Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 36 

Week Ending September 8, 2007

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

Complementary Financial Activities -- determination that disease management 

and mail-order pharmacy activities are complementary to the financial activity of 

underwriting and selling health insurance and are therefore permissible for 

financial holding companies under the Bank Holding Company Act.

- Approved, September 6, 2007

H.2 Board Actions September 2, 2007 to September 8, 2007

(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

September 2, 2007 to September 8, 2007

Bank Branches, Domestic

Bank of Whitman, Colfax, Washington -- to establish a branch at 12812 North 

Addison, Spokane.

San Francisco

- Approved, September 6, 2007

Conestoga Bank, Chester Springs, Pennsylvania -- to establish a branch at 630 

Skippack Pike, Whitpain Township.

Philadelphia

- Approved, September 7, 2007

First Bank, St. Louis, Missouri -- to establish a branch at 11451 Broadway Street, 

Pearland, Texas.

St. Louis

- Approved, September 6, 2007

Gateway Bank & Trust Co., Elizabeth City, North Carolina -- to provide courier 

service in Camden, Chowan, Currituck, Dare, Durham, New Hanover, Orange, 

Pasquotank, Perquimans, Pitt, Wake, and Washington Counties.

Richmond

- Approved, September 5, 2007

Gateway Bank & Trust Co., Elizabeth City, North Carolina -- to provide courier 

service in Greensville County, Virginia; Virginia Beach, Chesapeake, Newport 

News, Portsmouth, and Norfolk.

Richmond

- Approved, September 5, 2007

(A/C) = Addition or Correction Delegated - 1 of 6
Bank Branches, Domestic

Gateway Bank & Trust Co., Elizabeth City, North Carolina -- to provide courier 

service in Richmond and Charlottesville, Virginia; and Albemarle, Chesterfield, 

Greensville, and Henrico Counties.

Richmond

- Approved, September 5, 2007

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 13728 Beach Boulevard, 

Jacksonville, Florida.

Secretary

- Approved, September 6, 2007

Bank Holding Companies

BSB Bancshares, Inc., Lincoln, Nebraska -- to become a bank holding company and 

to acquire Brunswick Bancshares, Inc., Brunswick.

Kansas City

- Approved, September 6, 2007

Capitol Bancorp Ltd., Lansing, Michigan -- to acquire shares of Bank of Feather 

River, Yuba City, California, a de novo bank.

Chicago

- Approved, September 7, 2007

Capitol Bancorp Ltd., Lansing, Michigan -- to acquire shares of Loveland Bank of 

Commerce, Loveland, Colorado, a de novo bank.

Chicago

- Approved, September 7, 2007

H.2 Actions under delegated authority September 2, 2007 to September 8, 2007

(A/C) = Addition or Correction Delegated - 2 of 6
Bank Holding Companies

Center Bancorp, Inc., Union, New Jersey -- to acquire Beacon Trust Company, Inc., 

Madison, and thereby engage in certain nonbanking activities.

New York

- Approved, September 5, 2007

Dakota Financial Inc., Alexandria, Minnesota -- to become a bank holding company 

and to acquire State Bank of Marietta, Marietta.

Minneapolis

- Approved, September 5, 2007

Delaware Bancshares, Inc., Walton, New York -- waiver of application to acquire 

Stamford Bank Corporation, Stamford, in connection with the merger of their 

subsidiaries, National Bank of Delaware County, Walton, and National Bank of 

Stamford, Stamford.

New York

- Granted, September 4, 2007

Greenwoods Financial Group, Inc., Rio, Wisconsin -- to become a bank holding 

company and to acquire Greenwood's Bancorporation, Inc., Lake Mills, and The 

Greenwood's State Bank; and to engage in insurance agency activities through the 

acquisition of Greenwood's Financial Services, Inc.

Chicago

- Approved, September 4, 2007

Hometown Bancshares, Inc., Middlebourne, West Virginia -- to acquire First 

Community Bancorp, Inc., St. Marys, in connection with the merger of The First 

National Bank of St. Marys and Union Bank, Inc., Middlebourne.

Cleveland

- Withdrawn, September 4, 2007

H.2 Actions under delegated authority September 2, 2007 to September 8, 2007

(A/C) = Addition or Correction Delegated - 3 of 6
Bank Holding Companies

Ledyard Financial Group, Inc., Hanover, New Hampshire -- to become a bank 

holding company and to acquire Ledyard National Bank, Norwich, Vermont.

Boston

- Approved, September 7, 2007

Lonoke Bancshares, Inc., Lonoke, Arkansas -- to retain its interest in Pinnacle 

Bancshares, Inc., Bentonville, and thereby retain ownership of Pinnacle Bank.

St. Louis

- Approved, September 7, 2007

Traditions Bancshares, Inc., Cullman, Alabama -- relief from a commitment.

Atlanta

- Withdrawn, September 6, 2007

Washington Federal, Seattle, Washington -- waiver of application to acquire First 

Mutual Bancshares, Inc., Bellevue, in connection with the merger of First Mutual 

Bank, Bellevue, and Washington Federal Savings and Loan Association, Seattle.

San Francisco

- Granted, September 6, 2007

Bank Mergers

Susquehanna Bank PA, Lititz, Pennsylvania -- to merge with CommunityBanks, 

Millersburg.

Philadelphia

- Approved, September 4, 2007

H.2 Actions under delegated authority September 2, 2007 to September 8, 2007

(A/C) = Addition or Correction Delegated - 4 of 6
Bank Premises

The Bank of Monroe, Union, West Virginia -- to increase its investment in bank 

premises.

Richmond

- Approved, September 7, 2007

Banks, Nonmember, And Miscellaneous Institutions

HSBC Private Bank International, Miami, Florida -- to establish a branch in San 

Francisco, California.

New York

- Approved, September 7, 2007

Change In Bank Control

Capital Commerce Bancorp, Inc., Milwaukee, Wisconsin -- change in bank control.

Chicago

- Permitted, September 4, 2007

Extensions Of Time

Capitol Bancorp Ltd., Lansing, Michigan -- extension to December 25, 2007, to 

acquire shares of High Desert Bank, Bend, Oregon, and thereby operate a savings 

association.

Chicago

- Granted, September 5, 2007

H.2 Actions under delegated authority September 2, 2007 to September 8, 2007

(A/C) = Addition or Correction Delegated - 5 of 6
Financial Holding Companies 

Coastal Community Investments, Inc., Panama City Beach, Florida -- election to 

become a financial holding company.

Atlanta

- Effective, September 7, 2007

Security State Bank Holding Company, Jamestown, North Dakota -- election to 

become a financial holding company.

Minneapolis

- Effective, September 4, 2007

H.2 Actions under delegated authority September 2, 2007 to September 8, 2007

(A/C) = Addition or Correction Delegated - 6 of 6
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending September 8, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 09/28/2007

10/09/2007

Danvers Bancorp, Inc., Danvers, 

Massachusetts (Danvers Bancorp) to acquire 

100% of the outstanding capital stock of 

Danversbank, Danvers, Massachusetts 

pursuant to section 3(a)(1) of the BHC Act, in 

connection with the reorganization of Danvers 

Bancorp from mutual to stock form.

DANVERS BANCORP, INC.

* 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 September 8, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Andhra Bank, Hyderabad, India, to establish a 

representative office in Jersey City, New Jersey.

ANDHRA BANK

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Banco Popular de Puerto Rico, San Juan, Puerto 

Rico in connection with the request for prior 

approval of the Board of Governors of the 

Federal Reserve System to acquire certain 

assets and assume certain liabilities of the 17 

Puerto Rico branches of Citibank, NA, Las 

Vegas, Nevada, pursuant to Section 18(c) of the 

Federal Deposit Insurance Act.

BANCO POPULAR DE PUERTO 

RICO

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

BNP Paribas, Paris, France requests approval 

pursuant to the International Banking Act of 

1978 and after the fact provisions of Section 

211.24(a)(6) of Regulation K to establish the 

New York branch of its subsidiary Banca 

Nationale del Lavoro S.p.A., Rome, Italy.

BNP PARIBAS

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

International Bank of Azerbaijan, Baku, 

Azerbaijan, to establish a representative office 

in New York, New York, pursuant to Section 

10(a) of the International Banking Act, as 

amended, and Section 211.24(a)(1) of Regulation 

K.

INTERNATIONAL BANK OF 

AZERBAIJAN

Newspaper:

Federal Register:

* 3A3 Not available

4c8

* 18C

* Branch

10/01/2007

M&T Bank Corporation, Buffalo, New York 

("M&T"), to (i) acquire Partners Trust Financial 

Group, Utica, New York ("Partners Trust") and 

merge Partners Trust with and into M&T, and 

thereby to acquire Partners Trust's 

wholly-owned bank subsidiary, Partners Trust 

Municipal Bank, Utica, New York, and also 

thereby to acquire Partners Trust Bank, Utica, 

New York, and thereby operate a federal 

savings bank, and (ii) to acquire Partners Trust's 

wholly-owned direct and indirect non-banking 

subsidiaries, pursuant to Sections 3(a)(3), 4(c)

(8) and 4(j) of the Bank Holding Company Act 

of 1956, as amended, and Sections 225.15 and 

225.24 of Regulation Y. 

In addition, Manufacturers and Traders Trust 

Company, Buffalo, New York, ("M&T Bank") to 

merge with Partners Trust Bank and Partners 

Trust Municipal Bank, with M&T Bank as the 

surviving entity, pursuant to Section 18(c) of 

the Federal Deposit Insurance Act, and in 

connection therewith, to retain the branches at 

the current branch locations of Partners Trust 

Bank, pursuant to Section 9 of the Federal 

Reserve Act.

M&T BANK CORPORATION

* Subject to the provisions of the Community Reinvestment Act
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 September 8, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

National Penn Bancshares, Inc., Boyertown, PA, 10/01/2007

to acquire Christiana Bank & Trust Company, 

Greenville, through a merger with NBP Interim 

Bank, Greenville, DE.

NATIONAL PENN 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Susquehanna Bank DV, Bryn Mawr, PA 09/15/2007

proposes to establish a branch office located at 

2 Aquarium Drive, Camden, NJ, pursuant to 

Section 9 of the Federal Reserve Act.

SUSQUEHANNA BANK DV

* 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

NONE

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 September 8, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

First Corbin Bancorp, Inc. proposed acquistion 

of Eagle Fidelity, Inc. and it's subsidiary bank 

Eagle Bank, Inc pursuant to section 3(a)(5) of 

the BHCA.

FIRST CORBIN BANCORP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 3A1 Not available

KeyCorp, Cleveland, Ohio, through use of 

newly created merger subsidiary, KYCA 

Corporation, to acquire U.S.B. Holding Co. Inc., 

Orangeburg, New York and its subsidiary bank 

Union State Bank, Orangeburg, New York. After 

consummation, KeyCorp intends to merge 

Union State Bank with and into KeyBank N.A.

KEYCORP

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Application by PNC Bank, Delaware, 

Wilmington, Delaware, to acquire by merger 

Delaware Sterling Bank & Trust Company, 

Christiana, Delaware

PNC BANK, DELAWARE

Newspaper:

Federal Register:

* 3A5

* 3A3

09/24/2007

09/25/2007

PNC Financial Services Group, Inc., Pittsburgh, 

Pennsylvania, to acquire Yardville National 

Bancorp, Hamilton, New Jersey, and its 

subsidiary bank, Yardville National Bank, 

Yardville, New Jersey, and its 19.9% investment 

in Bucks County Bank, Doylestown, PA

PNC FINANCIAL SERVICES 

GROUP, INC., THE

* 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 September 8, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Miners Exchange Bank, Coeburn, Virginia, 09/21/2007

proposes to esatblish a branch at 1221 Lynn 

Garden Drive, Kingsport, Tennessee.

MINERS EXCHANGE BANK

* 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 September 8, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/04/2007

09/10/2007

Citizens Southern Bancshares, Inc., Vernon, 

Alabama (Bancshares), prior change in control 

notice filed by Guy F. Medley and Ann S. 

Medley; Michael A. Medley and Lanora A. 

Medley; Michael P. McCann and Janice A. 

McCann; Michael A. Bean and Deborah B. 

Bean; and Jeffrey K. Stout and Diane O. Stout, 

all of Dothan, Alabama, to collectively acquire 

69.17 percent of the outstanding shares of 

Bancshares and its subsidiary, Citizens State 

Bank, Vernon, Alabama.

CITIZENS SOUTHERN 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 10/01/2007

09/27/2007

Prior change in control notice filed by Leandre 

Joseph Folse; Bonnie Jane Folse; Mark Phillip 

Folse; Todd John Folse; and the Folse Family 

Voting Trust, Leandre Joseph Folse, Bonnie 

Jane Folse, and Mark Phillip Folse, trustees; all 

of Houma, Louisiana, Carrie Jane Folse, 

Birmingham, Alabama; The Myrtis Folse Lucas 

Revocable Trust, Tulsa, Oklahoma, Mytris Folse 

Lucas, grantor; and The Joe W. Smith 

Revocable Trust, Tulsa, Oklahoma, Joe W. 

Smith, grantor and trustee; to collectively 

acquire 2.0 percent of the outstanding shares of 

Coastal Commerce Bancshares, and its 

subsidiary, Coastal Commerce Bank, both of 

Houma, Louisiana. Total pro forma ownership 

for the group will be 14.2 percent.

COASTAL COMMERCE 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 10/06/2007

10/04/2007

First Guaranty Bancshares, Inc., to acquire 100 

percent of the outstanding shares of Douglass 

National Bank, Kansas City, Missouri.

FIRST GUARANTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 10/05/2007

10/09/2007

Smith Associates Florida Banking Fund LLC, 

along with Smith Associates Bank Fund 

Management LLC, and Florida Shores Bancorp, 

Inc., all of Pompano Beach, Florida, to acquire 

60 percent of the outstanding shares of Florida 

Shores Bank - Southwest, Venice, Florida (in 

organization).

FLORIDA SHORES BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

10/04/2007

Security Bank Corporation, Macon, Georgia, 

advance federal register for the proposal to 

acquire 100 percent of the outstanding shares of 

Security Bank of the Coast, Brunswick, Georgia 

(in organization).

SECURITY BANK 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Sterling Bank, Lantana, Florida, to establish a 09/15/2007

branch located at 2465 Wilton Drive, Wilton 

Manors, Florida.

STERLING BANK

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

Federal Reserve Bank of Atlanta

Filings received during the week ending September 8, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 09/13/2007

branches at the following locations: 16116 State 

Road 54, Odessa, Florida, to be known as the 

Suncoast Crossings Office; 4386 Cobb Parkway, 

Acworth, Georgia, to be known as the 

Governor's Towne Club Office; and 8109 

Kensington Drive, Waxhaw, North Carolina, to 

be known as the Cureton Office.

SUNTRUST BANK

* 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

NONE

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 September 8, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/28/2007

Bank of Montreal, Montreal, Canada, Harris 

Financial Corp., Chicago, Illinois, and Harris 

Bankcorp, Inc., Chicago, Illinois, to acquire 100 

percent of the voting shares of Merchants and 

Manufacturers Bancorporation, Inc., New 

Berlin, Wisconsin, Merchants Merger Corp., 

Brookfield, Wisconsin, and Merchants New 

Merger Corp., Brookfield, Wisconsin, and 

thereby indirectly acquire Lincoln State Bank, 

Milwaukee, Wisconsin, Grafton State Bank, 

Grafton, Wisconsin, Community Bank Financial, 

Oconto Falls, Wisconsin, The Reedsburg Bank, 

Reedsburg, Wisconsin, Fortress Bank, Westby, 

Wisconsin, Fortress Bank of Cresco, Cresco, 

Iowa, Wisconsin State Bank, Random Lake, 

Wisconsin, and 5.89 percent of the voting 

shares of Central Wisconsin Financial Services, 

Inc., Wausau, Wisconsin, and thereby 

indirectly acquire Bank of Wausau, Wausau, 

Wisconsin.

BANK OF MONTREAL

Newspaper:

Federal Register:

* 3A3 Not available

09/28/2007

Bank of Montreal, Montreal, Canada, Harris 

Financial Corp., Chicago, Illinois, and Harris 

Bankcorp, Inc., Chicago, Illinois, to acquire 100 

percent of the voting shares of Ozaukee Bank, 

Cedarburg, Wisconsin.

BANK OF MONTREAL

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 09/11/2007

two branch facilities to be located at 27482 

Portola Parkway, Foothill Ranch, California, and 

26131 La Paz Road, Suite B1, Mission Viejo, 

California.

COMERICA BANK

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Community Bancorp, Inc., Saint Charles, 

Michigan, to acquire 100 percent of the voting 

shares of MSB Holding, Inc., Montrose, 

Michigan, and thereby indirectly acquire 

Montrose State Bank, Montrose, Michigan.

COMMUNITY BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Community State Bank, Avilla, Indiana, to 09/17/2007

establish a branch facility to be located at 708 

West 7th Street, Auburn, Indiana.

COMMUNITY STATE BANK

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of 

BankFinancial Corporation, Burr Ridge, Illinois, 

and thereby indirectly acquire BankFinancial 

F.S.B., Olympia Fields, Illinois, and thereby 

operate a savings association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of CFS 

Bancorp, Inc., Munster, Indiana, and thereby 

indirectly acquire Citizens Financial Bank, 

Munster, Indiana, and thereby operate a 

savings association.

FBOP CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 8, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of PFF 

Bancorp, Inc., Rancho Cucamonga, California, 

and thereby indirectly acquire PFF Bank and 

Trust, Pomona, California, and thereby operate a 

savings association.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/04/2007

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 10 percent of the voting shares of 

Provident Financial Holdings, Inc., Riverside, 

California, and thereby indirectly acquire 

Provident Savings Bank, F.S.B., Riverside, 

California, and thereby operate a savings 

association.

FBOP CORPORATION

Newspaper:

Federal Register:

CIC Not available

09/25/2007

Notice by the Dummermuth Family (Kim K. 

Dummermuth, Elgin, Iowa; Chris C. 

Dummermuth, Quincy, Illinois; David D. 

Dummermuth, Crawford, Colorado; and Connie 

C. Dummermuth Steere, Kingsport, Tennessee) 

to retain control of 20.39 percent of FNB 

BanShares, Inc., West Union, Iowa and thereby 

indirectly First National Bank, West Union, 

Iowa.

FNB BANSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

09/17/2007

Fox River Financial Corporation, Burlington, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Fox River State Bank, Burlington, Wisconsin.

FOX RIVER FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

The Friendship State Bank, Friendship, Indiana, 09/07/2007

to establish a branch facility to be located at 

1362 State Road 46E, Batesville, Indiana.

FRIENDSHIP STATE BANK, THE

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Stuart B. Drake, Farmer City, Illinois, 

and a group of related individuals, to retain 

control of Lincoln S.B. Corp., Lincoln, Illinois, 

and thereby indirectly retain control of State 

Bank of Lincoln, Lincoln, Illinois.

LINCOLN S.B. CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 09/10/2007

Wisconsin, to establish 7 branches to be 

located at: Scott and North First Streets, 

Wausau, Wisconsin; Ocotillo Road and 

Ironwood Drive, Queen Creek, Arizona; 135th 

Street and Fontana Avenue, Leawood, Kansas; 

Highway 36 and Fairview Avenue, Roseville, 

Minnesota, Rogers Drive and Commerce 

Boulevard, Rogers, Minnesota, 1101 Walnut 

Street, Kansas City, Missouri, and 6752 Conroy 

Road, Orlando, Florida.

M&I MARSHALL & ILSLEY 

BANK

Newspaper:

Federal Register:

* 3A1 Not available

08/20/2007

Pan American Acquisition, Inc., Oak Brook, 

Illinois, to become a bank holding company by 

acquiring 100 percent of the voting shares of JD 

Financial Group, Inc., Chicago, Illinois, and 

thereby indirectly acquire Pan American Bank, 

Chicago, Illinois.

PAN AMERICAN ACQUISITION, 

INC

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 8, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 10/01/2007

10/04/2007

Partnership Community Bancshares, Inc., 

Tomah, Wisconsin, to acquire 51 percent of the 

voting shares of Lebanon Community 

Bancshares, Inc., Watertown, Wisconsin, and 

thereby indirectly acquire Town & Country 

Bank, Watertown, Wisconsin.

PARTNERSHIP COMMUNITY 

BANCSHARES, INC.

* 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

NONE

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 September 8, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Heritage State Bank, Lawrenceville, Illinois, to 09/13/2007

establish a branch facility to be located at Route 

1 and Highway 68, Haubstadt, Indiana.

HERITAGE STATE 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 September 8, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/31/2007

Notice by First Trust Company of Onaga, N.A. 

FBO LeRoy Albjerg, IRA, Arden Hills, 

Minnesota; US Bancorp Piper Jaffray custodian 

FBO Harold Broman, Jr., North St. Paul, 

Minnesota; Larry Dunn, Stacy, Minnesota; and 

Diana Makens, Las Vegas, Nevada, to join an 

existing group acting in concert: Walter G. Fries, 

Wabasha, Minnesota; Raymond B. Pinson, Del 

Ray Beach, Florida; Kenneth D. Myers, Apple 

Valley, Minnesota; GLA Investments, L.L.C., 

Lakeville, Minnesota, Gary Anderson as general 

partner; AMSIE Enterprises, LLC, Minnetonka, 

Minnesota, Donald Eisma as general partner; 

Nancy Ludwig and Francis N. Ludwig, Apple 

Valley, Minnesota; Richard B. Lambert, Jr., 

Apple Valley, Minnesota; Russell S. Sampson, 

Prior Lake, Minnesota; Curtis A. Sampson, 

Hector, Minnesota; Brett D. Reese, Northfield, 

Minnesota; S & L Investments, LLP, 

Bloomington, Minnesota, David Stueve as 

general partner; Savage Capitalists, LLP, 

Bloomington, Minnesota, David Stueve as 

general partner; Pershing LLC FBO Richard D. 

Estenson IRA, Northfield, Minnesota; Charles 

and Cindy Beske, Lakeville, Minnesota; and 

Brian Bauer, Garvin, Minnesota, to gain control 

of 25 percent or more of the shares of Access 

Bancshares, Inc., Champlin, Minnesota, and 

thereby indirectly gain control of Access Bank, 

Champlin, Minnesota.

ACCESS 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

NONE

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 September 8, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

10/09/2007

Century Financial Services Corporation, Santa 

Fe, New Mexico, to become a bank holding 

company through the acquisition of 100 percent 

of the voting shares of Century Bank, Santa Fe, 

New Mexico, upon its conversion from a federal 

savings bank, Century Bank, FSB, Santa Fe, 

New Mexico, to a commercial bank.

CENTURY FINANCIAL 

SERVICES CORPORATION

Newspaper:

Federal Register:

CIC Not available

10/26/2007

Notice by John D. Gross, Pine Bluffs, Wyoming 

and Andrea G. Lamons, Fort Collins, Colorado, 

as co-trustees of the Loraine C. Gross 

Revocable Trust and the Charles C. Gross, Jr. 

Revocable Trust, to acquire control of 

Commercial Bancorp, parent of Farmers State 

Bank, both in Pine Bluffs, Wyoming, through 

the acquisition of voting shares.

COMMERCIAL BANCORP

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Cornerstone Bank, York, Nebraska, to merge 

with Bank of St. Edward, Saint Edward, 

Nebraska, and incident thereto, to establish a 

branch.

CORNERSTONE BANK

Newspaper:

Federal Register:

* 3A3 Not available

4c8 10/09/2007

Equity Bancshares, Inc., Andover, Kansas, to 

acquire up to 100 percent of the voting shares 

of Signature Bancshares, Inc., Spring Hill, 

Kansas, parent of Signature Bank KC, Haddam, 

Kansas. Equity Bancshares, Inc., Andover, 

Kansas, to engage in general insurance 

activities through the acquisition of Citizens 

Agency, Inc., Haddam, Kansas.

EQUITY BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/09/2007

Regent Capital Corporation, to become a bank 

holding company through the acquisition of 100 

percent of the voting shares of Regent 

Bancshares, Inc., parent of Regent Bank and 

Trust Company, N.A., all of Nowata, Oklahoma.

REGENT CAPITAL 

CORPORATION

* 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

NONE

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 September 8, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 09/29/2007

10/04/2007

FC Holdings, Inc., Houston, Texas, and FC 

Holdings of Delaware, Inc., Wilmington, 

Delaware, to acquire by merger 100 percent of 

First Crockett Bancshares, Inc., Crockett, Texas, 

and indirectly acquire Crockett Delaware 

Bancshares, Inc., New Castle, Delaware, and 

First National Bank of Crockett, Crockett, Texas.

F C HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

JLL Associates G. P. FCH, L.L.C.; JLL 

Associates FCH, L.P.; JLL Partners Fund FCH, 

L.P.; and JLL/FCH Holdings I, LLC, all of New 

York, New York, to become bank holding 

companies by acquiring 54.7 percent of FC 

Holdings, Inc., Houston, Texas, and indirectly 

acquire FC Holdings of Delaware, Inc., 

Wilmington, Delaware; First Community 

Bank-The Woodlands, National Association, 

Tomball, Texas; First Community Bank Central 

Texas, N.A., Meridian, Texas; First Community 

Fort Bend, N.A., Sugar Land, Texas; and First 

Community Bank San Antonio, San Antonio, 

Texas.

JLL ASSOCIATES G. P. FCH, 

L.L.C.

* 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 September 8, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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