Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 27 

Week Ending July 5, 2008

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Holding Companies

JPMorgan Chase & Co., New York, New York -- request for an exemption from 

section 23A of the Federal Reserve Act and Regulation W to allow JPMorgan Chase 

Bank, National Association, Columbus, Ohio, to purchase certain derivatives 

businesses of The Bear Stearns Companies, Inc., New York, from JPMorgan Chase 

& Co.

- Granted, June 30, 2008

Monetary and Financial Policy

Term Auction Facility -- TAF auctions in the amount of $75 billion each on July 14 

and July 28, 2008.

- Announced, July 1, 2008

Enforcement

Bank of York, York, Alabama -- cease and desist order dated August 14, 2006, 

terminated June 19, 2008.

- Announced, June 30, 2008

First BanCorp, Santurce, Puerto Rico -- cease and desist order dated March 16, 2006, 

terminated June 24, 2008.

- Announced, June 30, 2008

H.2 Board Actions June 29, 2008 to July 5, 2008

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operational and Payment System

IF International Finance

OSDM Office of Staff Director for Management

June 29, 2008 to July 5, 2008

Bank Branches, Domestic

CoBiz Bank, Denver, Colorado -- to establish a branch at 7150 East Camelback 

Road, Scottsdale, Arizona.

Kansas City

- Approved, June 30, 2008

Comerica Bank, Dallas, Texas -- to establish branches at 4044 Lincoln Boulevard, 

Marina del Rey, California; 2307 Fenton Parkway, San Diego; and 2915 Townsgate 

Road, Thousand Oaks.

Dallas

- Approved, July 3, 2008

East West Bank, Pasadena, California -- to establish a branch at 9300 Flair Drive, El 

Monte.

Secretary

- Approved, July 2, 2008

Bank Holding Companies

Equity Bancshares, Inc., Andover, Kansas -- to acquire Ellis State Bank, Ellis.

Kansas City

- Approved, June 30, 2008

FBHC Holding Company, Boulder, Colorado -- to become a bank holding company 

and to acquire FlatIrons Bank Holding Company, Boulder, and FlatIrons Bank.

Kansas City

- Approved, July 1, 2008

(A/C) = Addition or Correction Delegated - 1 of 4
Bank Holding Companies

First Arkansas BancShares, Inc., Jacksonville, Arkansas -- waiver of application to 

acquire Greers Lake State Bank, Greers Ferry, in connection with its merger with 

BancShares' subsidiary, First Arkansas Bank and Trust, Jacksonville.

St. Louis

- Granted, June 30, 2008

North Jersey Community Bancorp, Inc., Englewood Cliffs, New Jersey -- to become 

a bank holding company and to acquire North Jersey Community Bank, Englewood 

Cliffs.

New York

- Approved, July 3, 2008

Reliable Community Bancshares, Inc., Perryville, Missouri -- to acquire Countryside 

Bancshares, Inc., Republic, and thereby acquire Countryside Bank; and for 

Countryside Acquisition Corporation, Perryville, to become a bank holding company 

and to acquire Countryside Bancshares, Inc. and Countryside Bank.

St. Louis

- Approved, July 2, 2008

Rock Bancshares, Inc., Little Rock, Arkansas -- to become a bank holding company 

upon conversion of its thrift subsidiary, Heartland Community Bank, Bryant, to a 

state-chartered commercial bank.

St. Louis

- Approved, July 2, 2008

Wisconsin Bancorp, Inc., Milwaukee, Wisconsin -- to become a bank holding 

company and to acquire Mid America Bank, Janesville.

Chicago

- Approved, July 2, 2008

H.2 Actions under delegated authority June 29, 2008 to July 5, 2008

(A/C) = Addition or Correction Delegated - 2 of 4
Bank Mergers

1st United Bank, Boca Raton, Florida -- to purchase certain assets and assume certain 

liabilities of Citrus Bank, N.A., Vero Beach, and thereby establish branches.

Secretary

- Approved, July 3, 2008

Bank Premises

Peoples Community Bank, Montross, Virginia -- to increase its investment in bank 

premises.

Richmond

- Approved, July 3, 2008

Change In Bank Control

Guardian Bancshares, Inc., Sylacauga, Alabama -- change in bank control of 

Bancshares and its subsidiary, Alabama Trust Bank, N.A., Sylacauga.

Atlanta

- Permitted, July 1, 2008

Menard Bancshares, Inc., Menard, Texas -- change in bank control of Bancshares and 

its subsidiary, Menard National Bank, Menard.

Dallas

- Permitted, July 2, 2008

Extensions Of Time

Bryn Mawr Trust Company, Bryn Mawr, Pennsylvania -- extension to January 14, 

2009, to establish a branch at 849 Paoli Pike, West Goshen Township, West Chester.

Philadelphia

- Granted, July 2, 2008

H.2 Actions under delegated authority June 29, 2008 to July 5, 2008

(A/C) = Addition or Correction Delegated - 3 of 4
Extensions Of Time

The Citizens Bank of Edmond, Edmond, Oklahoma -- extension to October 19, 2008, 

to establish a branch at Pennsylvania and 164th Street, Oklahoma City.

Kansas City

- Granted, July 2, 2008

H.2 Actions under delegated authority June 29, 2008 to July 5, 2008

(A/C) = Addition or Correction Delegated - 4 of 4
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending July 5, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

06/30/2008

Eastern Bank Corporation, Boston, 

Massachusetts to acquire MASSBANK Corp. 

and its subsidiary bank, MASSBANK, both of 

Reading, Massachusetts, pursuant to section 

3(a)(3) of the BHC Act.

EASTERN BANK 

CORPORATION

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

STATE STREET To amend Articles of Association

INTERNATIONAL HOLDINGS

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Filings received during the week ending July 5, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

The Adirondack Trust Company, Saratoga 

Springs, New York, requests approval to 

establish a full service branch at 376 Bay Road, 

Queensbury, Warren County, New York.

ADIRONDACK TRUST 

COMPANY, THE

Investment Not applicable

Not applicable

Citibank, N.A., Las Vegas, Nevada and Citibank 

Overseas Investment Corporation, New Castle, 

Delaware ("COIC"), pursuant to Section 211.9(f) 

of Regulation K, to transfer the minority interest 

in Citifin S.A., currently held by CitiFinancial 

Europe plc, to COIC.

CITIBANK, N.A.

Newspaper:

Newspaper:

Federal Register:

Federal Register:

FBSEA

Not applicable

National Agricultural Cooperative Federation, 06/20/2008

Seoul, Korea, to establish a branch in New York, 

New York.

NATIONAL AGRICULTURAL 

COOPERATIVE FEDERATION, 

THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The National Australia Bank Limited, 

Melbourne, Australia, to establish a branch in 

Chicago, Illinois, under Section 211.24(a)(2) of 

Regulation K.

NATIONAL AUSTRALIA BANK 

LIMITED

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

* Subject to the provisions of the Community Reinvestment Act

Standard Chartered International (USA) Limited, 

Miami, Florida requests approval to amend 

Articles of Association to change its name to 

Standard Chartered Bank International 

(Americas) Limited, pursuant to Section 211.5(c) 

of Regulation K.

STANDARD CHARTERED 

INTERNATIONAL (USA) 

LIMITED
District: 2

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 3

Federal Reserve Bank of Philadelphia

Filings received during the week ending July 5, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 3

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 1819366 STERLING BK, MOUNT LAUREL, NEW JERSEY 01/28/2008 07/01/2008 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 4

Federal Reserve Bank of Cleveland

Filings received during the week ending July 5, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

* 18C

* Branch

07/24/2008

07/28/2008

Application by Rurban Financial Corp., 

Defiance, OH to acquire NBM Bancorp, Inc., 

Montepelier, OH pursuant to section 3(a)(5) of 

the Bank Holding Company Act

RURBAN FINANCIAL CORP.

* Subject to the provisions of the Community Reinvestment Act
District: 4

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Filings received during the week ending July 5, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Bank of Essex, Tappahannock, Virginia, to 

merge with TransCommunity Bank, National 

Association, Manakin-Sabot, Virginia.

BANK OF ESSEX

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

NBRS Financial Bank, Rising Sun, Maryland, to 

increase its investment in bank premises in the 

amount of $500,000.

NBRS FINANCIAL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Bank (USA), Raliegh, North Carolina, 07/14/2008

proposes to establish a branch at 5640 Roswell 

Road NE, Atlanta, Georgia.

RBC BANK (USA)

Newspaper:

Federal Register:

4c8 Not applicable

Not available

TCB Corporation, Greenwood, South Carolina, 

to acquire 73.839% of the voting stock of 

Greenwood Capital Associates, LLC, 

Greenwood, South Carolina, and thereby 

engage in financial and investment advisory 

services.

TCB CORPORATION

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Union Bank and Trust Company, Bowling 

Green, Virginia, to merge with Bay Community 

Bank, Newport News, Virginia.

UNION BANK AND TRUST 

COMPANY

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 6

Federal Reserve Bank of Atlanta

Filings received during the week ending July 5, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/06/2008

08/01/2008

Community Bancshares of Mississippi, Inc. 

Employee Stock Ownership Plan, Brandon, 

Mississippi, to acquire up to an additional 0.67 

percent of the voting shares of common stock 

of Community Bancshares of Mississippi, Inc., 

Brandon, Mississippi, and thereby indirectly 

acquire its wholly-owned bank subsidiaries, 

Community Bank of North Mississippi, Amory, 

Mississippi; Community Bank of Mississippi, 

Forest, Mississippi; Community Bank Meridian, 

Meridian, Mississippi; Community Bank, N.A., 

Memphis, Tennessee; Community Bank, 

Ellisville, Ellisville, Mississippi; Community 

Bank Coast, Biloxi, Mississippi; its 100 percent 

owned middle-tier bank holding company 

Community Holding Company of Alabama, 

Brandon, Mississippi, and its wholly-owned 

subsidiary bank Community Bank, N.A., Mobile, 

Alabama, pursuant to section 3(a)(3) of the 

Bank Holding Company Act. The acquisition 

will increase Community Bancshares of 

Mississippi, Inc. Employee Stock Ownership 

Plan's ownership in Community Bancshares of 

Mississippi, Inc., to a maximum of 18.99 percent.

COMMUNITY BANCSHARES OF 

MISSISSIPPI, INC. EMPLOYEE 

STOCK OWNERSHIP PLAN

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Monte de Piedad y Caja de Ahorros San 

Fernando de Huelva, Sevilla, Spain (CAJASOL), 

to establish a representative office in Miami, 

Florida.

MONTE DE PIEDAD Y CAJA DE 

AHORROS SAN FERNANDO DE 

HUELVA

Newspaper:

Federal Register:

* Branch

Not applicable

Old Southern Bank, Orlando, Florida, to 07/09/2008

establish a branch located at 8910 Turkey Lake 

Road, Orlando, Florida, to be known as the Sand 

Lake Branch.

OLD SOUTHERN BANK

Newspaper:

Federal Register:

CIC

Not available

After-the-fact change in control notice by Mark 07/16/2008

R. Dickert Revocable Living Trust, Mark R. 

Dickert, Lori Dickert and Paul W. Dickert, 

trustees; Paul W. Dickert; Laura H. Dickert; 

Jerry D. Dickert Revocable Living Trust, Mark 

R. Dickert and Paul W. Dickert, trustees; and 

Coleene S. Dickert Revocable Living Trust, 

Mark R. Dickert and Paul W. Dickert, trustees. 

to retain 76.47 percent of the outstanding stock 

of Perry Banking Company and its subsidiary, 

Citizens State Bank, both of Perry, Florida.

PERRY BANKING COMPANY, 

INC.

* Subject to the provisions of the Community Reinvestment Act
District: 6

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 664336 METRO BK OF DADE CTY, MIAMI, FLORIDA 03/10/2008 06/26/2008 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 7

Federal Reserve Bank of Chicago

Filings received during the week ending July 5, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/17/2008

07/22/2008

Notice by Demetris Giannoulias, Evanston, 

Illinois, individually and as Trustee of the 

Broadway DG Trust, George Giannoulias, 

Chicago, Illinois, individually and as Trustee of 

the Broadway GG Trust and the George 

Broadway Revocable Trust, the Broadway DG 

Trust, Evanston, Illinois, the Broadway GG 

Trust, Chicago, Illinois, and the George 

Broadway Revocable Trust, Chicago, Illinois, to 

acquire 25 percent or more of the voting shares 

of Broadway Bancorp, Inc., Chicago, Illinois, 

and thereby indirectly acquire Broadway Bank, 

Chicago, Illinois.

BROADWAY BANCORP, INC.

Newspaper:

Federal Register:

* 4c8 Not available

07/25/2008

FBOP Corporation, Oak Park, Illinois, to acquire 

100 percent of the voting shares of PFF 

Bancorp, Inc., Rancho Cucamonga, California, 

and thereby indirectly acquire PFF Bank & 

Trust, Pomona, California, and thereby operate a 

savings association, Diversified Builders 

Services, Inc., Rancho Cucamonga, California, 

and thereby to engage in extending credit and 

servicing loans, Glencrest Investment Advisers, 

Rancho Cucamonga, California, and thereby to 

engage in financial and investment advisory 

services, and Pomona Financial Services, 

Rancho Cucamonga, California, and thereby to 

engage in trust company functions.

FBOP CORPORATION

Newspaper:

Federal Register:

CIC Not available

07/21/2008

Notice by a group acting in concert, composed 

of Gary Shiffman, West Bloomfield, Michigan, 

Arthur Weiss, Farmington Hills, Michigan, 

Ronald Klein, Bloomfield Hills, Michigan, Paul 

Hodges, Orchard Lake, Michigan, Roman 

Ferber, West Bloomfield, Michigan, David 

Freidman, West Bloomfield, Michigan, Steven 

Freidman, West Bloomfield, Michigan, Brian 

Wenzel, Howell, Michigan, Sheldon Yellen, 

Bloomfield Hills, Michigan, Gary Torgow, Oak 

Park, Michigan, Dov Loketch, Oak Park, 

Michigan, Joseph Nusbaum, Oak Park, 

Michigan, David Provost, Birmingham, 

Michigan, Max Berlin, Southfield, Michigan, 

Donald Coleman, Bonita Springs, Florida, Albert 

Papa, Birmingham, Michigan, Robert Naftaly, 

West Bloomfield, Michigan, Thomas 

Schellenberg, Cross Village, Michigan, Thomas 

Brown, Farmington Hills, Michigan, Christine 

Otto, Oxford, Michigan, James Dunn, Livonia, 

Michigan, Gary Sakwa, Bloomfield Hills, 

Michigan, and Frank Hennessey, Ocala, Florida, 

to acquire over 25 percent of the outstanding 

voting shares of First Michigan Bancorp, Inc., 

Troy, Michigan, and thereby to indirectly 

acquire control of First Michigan Bank, Troy, 

Michigan.

FIRST MICHIGAN BANCORP, 

INC.

* Subject to the provisions of the Community Reinvestment Act
District: 7

Federal Reserve Bank of Chicago

Filings received during the week ending July 5, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

06/02/2008

IBT Bancorp, Inc., Mt. Pleasant, Michigan, to 

retain 5.9 percent of the voting shares of Valley 

Financial Group, Ltd., Saginaw, Michigan, and 

thereby indirectly retain shares of 1st State 

Bank, Saginaw, Michigan.

IBT BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

06/30/2008

Notice by James A. Button, Mequon, 

Wisconsin, Michael J. McGuire, Oak Lawn, 

Illinois, Robert C. Olson, Palos Hills, Illinois, 

Mark S. Poker, Brookfield, Wisconsin, and 

Thomas W. Tice, Key Largo, Florida, as 

co-trustees of the KJ Childrens Trust, 

Brookfield, Wisconsin, to acquire greater than 

25 percent of the voting shares of iTeam 

Companies, Inc., Brookfield, Wisconsin, and 

thereby indirectly acquire control of Kenney 

Bank and Trust, Kenney, Illinois.

ITEAM COMPANIES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 

Wisconsin, to establish branches at the 

following locations: 1) 2369 North Morton 

Street, Franklin, Indiana, 2) 136th and Olio Road, 

Fishers, Indiana, 3) 2722 East Burleigh 

Boulevard, Tavares, Florida, and 4) 2363 

Vanderbilt Beach Road, Naples, Florida.

M&I MARSHALL & ILSLEY 

BANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Niagara Bancorporation, Inc., Niagara, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

The First National Bank of Niagara, Niagara, 

Wisconsin.

Niagara Bancorporation, Inc.

Newspaper:

Federal Register:

* 3A1 Not available

07/18/2008

Pinnacle Capital Corporation, Marshalltown, 

Iowa, to become a bank holding company by 

acquiring 100 percent of the voting shares of 

Pinnacle Bank, Marshalltown, Iowa.

PINNACLE CAPITAL 

CORPORATION

* Subject to the provisions of the Community Reinvestment Act
District: 7

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 1917301 LAKE FOREST B&TC, LAKE FOREST, ILLINOIS 09/10/2007 06/19/2008 S Large Bank

 2239288 NORTH SHORE CMNTY B&T, WILMETTE, ILLINOIS 11/05/2007 06/02/2008 NI Large Bank

 667832 STATE BK ARTHUR, ARTHUR, ILLINOIS 02/12/2008 06/05/2008 S Small Bank

 78643 STATE BK VIROQUA, VIROQUA, WISCONSIN 03/03/2008 06/23/2008 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 8

Federal Reserve Bank of St. Louis

Filings received during the week ending July 5, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 07/17/2008

07/14/2008

First Security Bancorp, Searcy, Arkansas, to 

acquire 100 percent of Union Bancshares of 

Benton, Inc., Benton, Arkansas, and thereby 

indirectly acquire The Union Bank of Benton, 

Benton, Arkansas.

FIRST SECURITY BANCORP

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Heartland Community Bank, Bryant, Arkansas, 

to become a member of the Federal Reserve 

System.

HEARTLAND COMMUNITY 

BANK

* Subject to the provisions of the Community Reinvestment Act
District: 8

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Filings received during the week ending July 5, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 18C

* Branch

07/03/2008

CBT Corporation, Inc., which owns Citizens 

Bank & Trust Company, both of Big Timber, 

Montana, to acquire 100% of The Continental 

National Bank of Harlowton, Harlowton, 

Montana. Citizens Bank & Trust Company to 

merge with The Continental National Bank of 

Harlowton and incident thereto establish branch 

facilities to be located at 32 North Central 

Avenue, Harlowton, and 121 East 1st Avenue, 

Ryegate, Montana.

CBT CORPORATION, INC.

Newspaper:

Federal Register:

CIC Not available

07/16/2008

Change in Control notice by Lawrence C. Holtz, 

Edina, Minnesota, to retain control of 25% or 

more of the shares of Financial Services of Saint 

Croix Falls Inc., Saint Croix Falls, Wisconsin, 

and thereby indirectly retain control of Eagle 

Valley Bank, National Association, Saint Croix, 

Wisconsin.

FINANCIAL SERVICES OF 

SAINT CROIX FALLS, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Glacier Bank, Kalispell, Montana, to establish a 07/11/2008

branch facility to be located at 7100 Highway 93 

South, Lakeside, Montana.

GLACIER BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Brian K. Solsrud, Minneapolis, 

Minnesota, Gregory A. Solsrud, Dunwoody, 

Georgia, Corinne E. Solsrud, Mosinee, 

Wisconsin, and Rachel A. Solsrud Goodell, 

Augusta, Wisconsin, individually and as a 

group acting in concert to acquire control of 

Kimberly Leasing Corporation, Augusta, 

Wisconsin and thereby indirectly acquire 

control of Unity Bank, Rush City, Minnesota.

KIMBERLY LEASING 

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

08/01/2008

NATCOM Bancshares, Inc., Superior, 

Wisconsin, to acquire 100 percent of Superior 

Bancorporation, Ltd., Superior, Wisconsin, and 

thereby indirectly acquire Community Bank, 

Superior, Wisconsin.

NATCOM BANCSHARES,INC.

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 34153 AMERICAN BK, SAINT PAUL, MINNESOTA 02/04/2008 06/25/2008 O Int Sm Bank

 823656 FIRST ST BK SOUTHWEST, PIPESTONE, MINNESOTA 11/26/2007 06/18/2008 O Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Filings received during the week ending July 5, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Citizens Security Bank & Trust Company, Bixby, 

Oklahoma, to merge with The Bank of 

Commerce, Wetumka, Oklahoma, and incident 

thereto, to establish a branch.

CITIZENS SECURITY BANK & 

TRUST COMPANY

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Rocky Mountain Bank, Wilson, Wyoming, to 

establish a branch at 890 West Broadway, 

Jackson, Wyoming; and to relocate its main 

office from Rock Springs, Wyoming, to Wilson, 

Wyoming, thereby establishing Rock Springs, 

Wyoming as a branch.

ROCKY MOUNTAIN BANK

Newspaper:

Federal Register:

* 3A3 08/02/2008

06/30/2008

Stockmens Financial Corporation, Rapid City, 

South Dakota, to acquire 100 percent of the 

voting shares of Homestead Financial 

Corporation, parent of The First National Bank 

and Trust, both in Beatrice, Nebraska.

STOCKMENS FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 08/02/2008

07/28/2008

Stockmens Limited Partnership, Rapid City, 

South Dakota, to become a bank holding 

company through the direct acquisition of 66.85 

percent of the voting shares of Stockmens 

Financial Corporation, Rapid City, South 

Dakota, parent of Security First Bank, Lincoln, 

Nebraska; and through the indirect acquisition 

of 100 percent of Homestead Financial 

Corporation, parent of The First National Bank 

and Trust, both in Beatrice, Nebraska.

STOCKMENS LIMITED 

PARTNERSHIP

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 921655 COTTONWOOD VALLEY BK, CEDAR POINT, KANSAS 04/07/2008 06/18/2008 S Small Bank

 2371508 FIRST BANKCENTRE, BROKEN ARROW, OKLAHOMA 03/10/2008 06/12/2008 S Small Bank

 955959 SECURITY ST BK, BASIN, WYOMING 03/03/2008 05/29/2008 S Small Bank

 555658 SHERIDAN ST BK, SHERIDAN, WYOMING 02/25/2008 05/28/2008 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Filings received during the week ending July 5, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Lone Star State Bank of West Texas, Lubbock, 

Texas, to merge with First Bank of Brownfield, 

Brownfield, Texas, and establish a branch at 

2599 74th Street, Lubbock, Texas 79423.

LONE STAR STATE BANK OF 

WEST TEXAS

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Filings received during the week ending July 5, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 07/29/2008

07/24/2008

Crescent Capital VI LLC, Bellevue, Washington, 

to become a bank holding company by 

acquiring up to 30 percent of Cowlitz Bancorp, 

and indirectly its subsidiary, Cowlitz Bank, both 

of Longview, Washington.

CRESCENT CAPITAL VI LLC

Newspaper:

Federal Register:

* 3A1 Not available

4c8 07/24/2008

Sagebrush Partners LLLP, to: 1) become a bank 

holding company by acquiring up to 51.01 

percent of Grand Valley Corporation, both of 

Grand Junction, Colorado, and indirectly its 

subsidiary, Grand Valley National Bank, Heber 

City, Utah, pursuant to section 3(a)(1) of the 

Bank Holding Company Act; and 2) to engage 

de novo, indirectly, in extending credit and 

servicing loans, pursuant to section 4(c)(8) of 

the Bank Holding Company Act, and section 

225.28(b)(1)of Regulation Y.

SAGEBRUSH PARTNERS LLLP

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act