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 7, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
Board Operations

Division of Monetary Affairs -- appointment of Brian F. Madigan as Director; 

James A. Clouse, Deborah J. Danker, and William B. English as Senior Associate 

Directors; and Vincent Reinhart as Senior Advisor.

- Approved, June 29, 2007

(A/C)

Office of Staff Director for Management -- transfer of Charles Struckmeyer from 

the Division of Research and Statistics to the Office of Staff Director for 

Management and appointment of Mr. Struckmeyer as Deputy Staff Director for 

Management.

- Approved, June 29, 2007

(A/C)

Regulations And Policies

Financial Market Resiliency -- interagency response to the Government 

Accountability Office report "Financial Market Preparedness: Significant 

Progress Has Been Made, but Pandemic Planning and Other Challenges Remain."

- Approved, June 28, 2007

(A/C)

H.2 Board Actions July 1, 2007 to July 7, 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

July 1, 2007 to July 7, 2007

Bank Branches, Domestic

County Bank, Merced, California -- to establish a branch at McLane High School, 

2727 North Cedar, Fresno.

San Francisco

- Approved, July 2, 2007

First Community Bank, Taos, New Mexico -- to establish a branch at 2300 Louisiana 

Boulevard Northeast, Albuquerque.

Secretary

- Approved, July 5, 2007

Independent Bank of Texas, Irving, Texas -- to relocate a branch from 2601 Network 

Boulevard, Frisco, to 1518 Legacy Drive.

Dallas

- Approved, July 3, 2007

Shore Bank, Onley, Virginia -- to establish a branch at 103 Pocomoke Marketplace, 

Pocomoke, Maryland.

Richmond

- Approved, July 6, 2007

The Bank of Jackson, Jackson, Tennessee -- to establish a new main office at 420 Oil 

Well Road and to convert the existing main office at 558 Carriage House Drive to a 

branch.

St. Louis

- Approved, July 3, 2007

(A/C) = Addition or Correction Delegated - 1 of 4
Bank Branches, Domestic

The Connecticut Bank & Trust Company, Hartford, Connecticut -- to establish a 

branch in Rocky Hill.

Boston

- Approved, July 3, 2007

Bank Holding Companies

Berkshire Hills Bancorp, Inc., Pittsfield, Massachusetts -- waiver of application to 

acquire Factory Point Bancorp, Inc., Manchester Center, Vermont, in connection 

with the merger of their subsidiaries, Berkshire Bank, Pittsfield, Massachusetts, and 

The Factory Point National Bank of Manchester Center, Manchester Center, 

Vermont.

Boston

- Granted, July 6, 2007

First Guaranty Bancshares, Inc., Hammond, Louisiana -- to acquire Homestead 

Bancorp, Inc., Ponchatoula, and Homestead Bank, and thereby engage in operating a 

savings association.

Atlanta

- Approved, July 5, 2007

First Guaranty Bancshares, Inc., Hammond, Louisiana -- to become a bank holding 

company and to acquire First Guaranty Bank.

Atlanta

- Approved, July 5, 2007

FirstBank Holding Company, Lakewood, Colorado -- to acquire shares of FirstBank 

of Arizona, Phoenix, Arizona, a de novo bank.

Kansas City

- Approved, July 5, 2007

H.2 Actions under delegated authority July 1, 2007 to July 7, 2007

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

LSB Bancshares, Inc., Lexington, North Carolina -- to acquire FNB Financial 

Services Corporation, Greensboro, and thereby acquire FNB Southeast, Reidsville.

Richmond

- Approved, July 2, 2007

National Bancorp, Inc., Schaumburg, Illinois -- waiver of application to acquire 

Antioch Bancshares, Inc., Antioch, in connection with the merger of their respective 

subsidiaries, AmericaUnited Bank and Trust Company USA, Schaumburg, and First 

National Bank-Employee Owned, Antioch.

Chicago

- Withdrawn, July 6, 2007

United Bankshares, Inc., Charleston, West Virginia -- relief from a commitment.

Richmond

- Granted, July 3, 2007

Bank Mergers

The First Bank of Baldwin, Baldwin, Wisconsin -- to merge with Bank of Spring 

Valley, Spring Valley, and thereby establish branches in Spring Valley and Plum 

City.

Minneapolis

- Approved, July 5, 2007

Change In Bank Control

F & M Bancshares, Inc., Trezevant, Tennessee -- change in bank control.

St. Louis

- Withdrawn, July 6, 2007

H.2 Actions under delegated authority July 1, 2007 to July 7, 2007

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

Bank Independent, Sheffield, Alabama -- extension to June 29, 2008, to establish a 

branch at the corner of Highway 72 and Lindsay Lane, Athens.

Atlanta

- Granted, June 29, 2007

(A/C)

H.2 Actions under delegated authority July 1, 2007 to July 7, 2007

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

Federal Reserve Bank of Boston

Filings received during the week ending July 7, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 Not available

Application by the Royal Bank of Scotland 

Group, plc, Edinburgh, Scotland, Fortis N.V., 

Utrecht, Netherlands, Fortis SA/NV, Brussels, 

Belgium, Banco Santander Central Hispano, 

S.A., Madrid, Spain, and RFS Holdings B.V., 

Amsterdam, Netherlands, to control ABN 

AMRO Holding N.V., Amsterdam, Netherlands, 

and thereby indirectly acquire: (i) LaSalle Bank 

National Association, Chicago, Illinois, and 

LaSalle Bank Midwest National Association, 

Troy, Michigan, pursuant to section 3(a)(1) and 

3(a)(3) of the Bank Holding Company Act of 

1956, as amended, and (ii) Standard Federal 

International LLC, and LaSalle Trade Services 

Corporation, both of Chicago, Illinois, pursuant 

to section 211.5 of Regulation K. The 

application also requests financial holding 

company status for Santander Holanda B.V., 

Delft, Netherlands, Fortis Bank Nederland 

(Holding) N.V., Utrecht, Netherlands, and RFS 

Holdings B.V., Amsterdam, Netherlands, 

pursuant to section 225.82(f) of Regulation Y.

ROYAL BANK OF SCOTLAND 

GROUP PLC, THE

* 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 7, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

07/30/2007

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire fifty additional shares of 473 

Broadway Holding Corporation and to acquire 

one thousand additional shares of The 

Adirondack Trust Company, both of Saratoga 

Springs, New York.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, THE

Newspaper:

Federal Register:

* 3A1 Not available

07/30/2007

CheckSpring Community Corporation, Bronx, 

New York, for prior approval of the Board of 

Governors of the Federal Reserve System, 

pursuant to Section 3(a)(1) of the Bank Holding 

Company Act of 1956, as amended, to become a 

bank holding company through the acquisition 

of all the voting shares of CheckSpring Bank (in 

organization), a proposed de novo New York 

State chartered commercial bank.

CHECKSPRING COMMUNITY 

CORPORATION

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Corpbanca, Santiago, Chile, to establish a 

federal branch in New York, New York, pursuant 

to Section 7(d) of the International Banking Act 

of 1978, as amended, and Section 211.24(a) of 

Regulation K.

CORPBANCA

Newspaper:

Federal Register:

* 3A1 Not available

07/24/2007

First Hope Bancorp, Hope, New Jersey, to 

become an one-bank holding company, 

pursuant to Section 3(a)(1) of the BHC Act, and 

Section 225.15 of Regulation Y, by acquiring 

First Hope Bank, Hope, New Jersey.

FIRST HOPE BANCORP

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

JPM International Consumer Holding Inc., New 

York, New York, ("JPMICHI"), an indirect 

subsidiary of JPMorgan Chase & Co., New 

York, New York, submits notice, pursuant to 

Section 211.9(f) of Regulation K, to make a 

portfolio investment in an amount greater than 

$25 million.

JPMORGAN CHASE & CO.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Landsbanki Islands hf., Reykjavik, Iceland, to 

establish a branch in New York, New York, 

pursuant to Section 7(d) of the International 

Banking Act

LANDSBANKI ISLANDS HF

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Texas State Bank, McAllen, Texas, to establish 

three branch offices located at (i) 1319 N. 10th 

Street, McAllen, Texas, (ii) 6414 McPherson, 

Suite 2, Laredo, Texas and (iii) 1100 NW Loop 

410, Suite 102, San Antonia, Texas.

TEXAS STATE BANK

* 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 July 7, 2007

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

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 July 7, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 7, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/18/2007

07/26/2007

Notice by The First Neighborhood Bank 

Employee Stock Ownership Plan by its Trustees 

Garlan Miller, Richard E. Bowlby, and Charles L. 

Staats, of Spencer, West Virginia, and Jeanette 

Atkinson of Reedy, West Virginia, to retain 

control of 10.71% of the shares of West-Central 

Bancorp, Inc., Spencer, West Virginia. This 

group would retain control of 13.59% of 

West-Central Bancorp, Inc., when including the 

shares individually controlled by the trustees.

WEST-CENTRAL BANCORP, 

INC.

* 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 7, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

CapitalSouth Bank, Birmingham, Alabama, to 07/13/2007

establish a branch located at 1649 Atlantic 

Boulevard, Jacksonville, Florida.

CAPITALSOUTH BANK

Newspaper:

Federal Register:

* 18C Not available

Not applicable

First American Bank, Birmingham, Alabama, to 

merge with Bank of Dadeville, Dadeville, 

Alabama.

FIRST AMERICAN BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Flagler Bank, West Palm Beach, Florida, to 07/09/2007

establish a branch located at 6499 Powerline 

Road, Suite 105, Ft. Lauderdale, Florida.

FLAGLER BANK

Newspaper:

Federal Register:

CIC Not available

07/23/2007

Overton Financial Services, Inc., Livingston, 

Tennessee (BHC), three after-the-fact change in 

control notices filed by the following: (1) the 

Jack Windle Irrevocable Life Insurance Trust, 

Livingston, Tennessee, through its co-Trustees, 

Joyce Dodson Windle, Livingston, Tennessee; 

and John D. Copeland, Chattanooga, 

Tennessee; to retain 29.18 percent of the 

outstanding shares of BHC, and its subsidiary, 

Union Bank and Trust Company, Livingston, 

Tennessee (Bank); (2) the Credit Shelter Trust 

under the Last Will and Testament of Jack Allen 

Windle, Livingston, Tennessee, through its 

co-Trustees, Joyce Dodson Windle, Livingston, 

Tennessee; John D. Copeland, Chattanooga, 

Tennessee; and Thomas Alfred Windle, 

Cookeville, Tennessee; to retain 28.94 percent 

of the outstanding shares of BHC and Bank; 

and (3) the Tennessee Qualified Terminable 

Interest Trust under the Last Will and 

Testament of Jack Allen Windle, through its 

co-Trustees, Joyce Dodson Windle, Livingston, 

Tennessee; John D. Copeland, Chattanooga, 

Tennessee; and Thomas Alfred Windle, 

Cookeville, Tennessee; to retain 27.82 percent 

of the outstanding shares of BHC and Bank.

OVERTON FINANCIAL 

SERVICES, INC.

Newspaper:

Federal Register:

CIC Not available

07/26/2007

Red River Bancshares, Inc., Alexandria, 

Louisiana, prior change in control notice filed 

by the John Charles Simpson, Jr., Trust, the 

Angela Katherine Simpson Trust (the Trusts), 

and Simeon A. Thibeaux, Jr., as trustee of the 

Trusts, all of Alexandria, Louisiana, to 

collectively acquire up to an additional 13.89 

percent of the outstanding shares of Red River 

Bancshares, Inc., and its subsidiary bank, Red 

River Bank, both of Alexandria, Louisiana. The 

acquisition will increase the Trusts' ownership 

in Red River Bancshares to 22.73 percent.

RED RIVER BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 07/17/2007

establish a branch located at 260 Brookstone 

Centre Parkway, Suite B, Columbus, Georgia, to 

be known as the Brookstone Office.

REGIONS BANK

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

Federal Reserve Bank of Atlanta

Filings received during the week ending July 7, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/06/2007

Tennessee Bancshares, Inc., to become a bank 

holding company by acquiring 100 percent of 

the voting securities of the Bank of Tullahoma, 

both of Tullahoma, Tennessee.

Tennessee Bancshares, 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

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 July 7, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/06/2007

Abby Bancorp, Inc., Abbotsford, Wisconsin, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Abbybank, 

Abbotsford, Wisconsin.

ABBY BANCORP, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Community Bank, Austin, Austin, Minnesota, 

to purchase three offices from Associated Bank, 

National Association, Green Bay, Wisconsin, 

and thereby to establish three branches.

COMMUNITY BANK, AUSTIN

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Corridor State Bank, Coralville, Iowa, to 

establish a branch facility to be located at 202 

North Linn Street, Iowa City, Iowa.

CORRIDOR STATE BANK

Newspaper:

Federal Register:

* 3A3 Not available

07/31/2007

Fentura Financial, Inc., Fenton, Michigan, to 

acquire 24.9 percent of the voting shares of 

Premier Commercial Bank Arizona, National 

Association, Mesa, Arizona.

FENTURA FINANCIAL, INC.

Newspaper:

Federal Register:

* 3A1 Not available

07/25/2007

First Michigan Bancorp, Inc., Troy, Michigan, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

First Michigan Bank (in organization), Troy, 

Michigan.

FIRST MICHIGAN BANCORP, 

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch

Member

Not applicable

Independent Bank, Bay City, Michigan, to 

merge with Independent Bank East Michigan, 

Troy, Michigan, Independent Bank South 

Michigan, East Lansing, Michigan, and 

Independent Bank West Michigan, Grand 

Rapids, Michigan, and thereby to establish 92 

branches, and the related application by 

Independent Bank, Bay City, Michigan, to 

become a member of the Federal Reserve 

System.

INDEPENDENT BANK

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 07/13/2007

Inland Bancorp Holding Company, Oak Brook, 

Illinois, to indirectly acquire 100 percent of the 

voting shares of Amerimark Financial 

Corporation, Countryside, Illinois, and thereby 

indirectly acquire Amerimark Bank, Villa Park, 

Illinois, and by Inland Financial Acquisitions, 

Inc., Oak Brook, Illinois, to become a bank 

holding company by directly acquiring 100 

percent of the voting shares of Amerimark 

Financial Corporation, Countryside, Illinois, and 

thereby indirectly acquire Amerimark Bank, Villa 

Park, Illinois.

INLAND BANCORP HOLDING 

COMPANY

* 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 July 7, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/01/2007

08/06/2007

Central Bancompany, Inc., Jefferson City, 

Missouri, to acquire 100 percent of Metcalf 

Bancshares, Inc., Overland Park, Kansas, and 

thereby indirectly acquire Metacalf Bank, 

Overland Park, Kansas.

CENTRAL BANCOMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Delta Southern Bank, Ruleville, Mississippi, to 08/01/2007

establish a branch facility to be located at 351 

Highway 11 North, Picayune, Mississippi.

DELTA SOUTHERN BANK

Newspaper:

Federal Register:

* 3A5 07/30/2007

07/25/2007

Porter Bancorp, Inc., Louisville, Kentucky, to 

acquire 100 percent of Ohio County Bancshares, 

Inc., Beaver Dam, Kentucky, and thereby 

indirectly acquire Kentucky Trust Bank, Beaver 

Dam, Kentucky.

PORTER BANCORP, INC.

Newspaper:

Federal Register:

CIC 07/18/2007

07/17/2007

Notice by James K. Maddox Irrevocable Trust, 

with James K. Maddox as trustee, both of 

Clarkton, Missouri, to gain control of Sterling 

Bancshares, Inc., Poplar Bluff, Missouri. Notice 

is also provided by James K. Maddox, the James 

K. Maddox Irrevocable Trust, John W. Maddox, 

Candi H. Maddox, J. Jason Maddox, and Maco 

Construction, Inc., all of Clarkton, Missouri, as a 

group acting in concert to gain control of 

Sterling Bancshares, Inc.

STERLING BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Truman Bank, St. Louis, Missouri, to establish a 07/10/2007

branch facility to be located at 8151 Clayton 

Road, St. Louis, Missouri, and to relocate the 

main office to be constructed at the corner of 

Manchester and Hanley, Brentwood, Missouri.

TRUMAN 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 7, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/06/2007

John T. Vucurevich Foundation, Rapid City, 

South Dakota, to become a bank holding 

company by acquiring control of 84.48% of the 

Class B common stock and 11.85% of the Class 

A common stock of United Bancorporation, 

Osseo, Wisconsin, and thereby indirectly 

acquire United Bank, Osseo, Wisconsin; 

Cambridge State Bank, Cambridge, Wisconsin; 

Lincoln County Bank, Merrill, Wisconsin; Bank 

of Poynette, Poynette, Wisconsin; Clark County 

State Bank, Osceola, Iowa; Farmers State Bank, 

Stickney, South Dakota; and Farmers & 

Merchants State Bank, Iroquois, South Dakota.

John T. Vucurevich Foundation

Newspaper:

Federal Register:

* 3A5 Not available

07/09/2007

Merchants Financial Group, Inc., Winona, 

Minnesota, to acquire 100 percent of Jerema, 

Inc., Cannon Falls, Minnesota, and thereby 

indirectly acquire The First National Bank in 

Cannon Falls, Cannon Falls, Minnesota.

MERCHANTS FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Taunton Bancshares, Inc., Taunton, Minnesota, 

to become a bank holding company by 

acquiring 100% of the State Bank of Taunton, 

Taunton, Minnesota.

Taunton 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 July 7, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/11/2007

07/12/2007

Notice by Brandon J. Berkley, Denver, 

Colorado; Cara D. Berkley, Overland Park, 

Kansas; and Claudia D. Berkley, Downs, 

Kansas; to retain ownership of B Bank, Inc., 

parent of State Bank of Downs, both in Downs, 

Kansas, as members of the Berkley family 

group.

B BANK, INC.

Newspaper:

Federal Register:

* 3A1 07/27/2007

07/31/2007

BSB Bancshares, Inc., Lincoln, Nebraska, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Brunswick Bancshares, Inc., Brunswick, 

Nebraska, parent of Brunswick State Bank, 

Brunswick, Nebraska.

BSB BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

First State Bank, Lincoln, Nebraska, to merge 07/25/2007

with Saline State Bank, Wilber, Nebraska, and 

incident thereto, to establish a branch.

FIRST STATE BANK

Newspaper:

Federal Register:

* 3A3 Not available

08/06/2007

The Protection Bank Holding Company, Inc., 

Protection, Kansas, to acquire up to 100 percent 

of the voting shares of Citizens State Bank of 

Ashland, Kansas.

PROTECTION BANK HOLDING 

COMPANY, INC., THE

* 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 July 7, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

LegacyTexas Bank, Plano, Texas, to establish a 07/10/2007

branch to be located at 15601 Dallas Parkway, 

Suite 150, Addison, Texas 75001.

LEGACYTEXAS BANK

Newspaper:

Federal Register:

CIC 07/19/2007

07/20/2007

Notice by Mr. David E. Locke and Ms. Diana 

Locke, Miami, Texas, as trustee of the David 

Ellis Lock Trust Under The Will Of Ellis N. 

Locke, Miami, Texas, as a part of a group acting 

in concert, intends to apply to the Federal 

Reserve Board for permission to control of 22.20 

percent or more of the shares and thereby 

control Miami Bancshares, Inc., Miami, Texas, 

and indirectly acquire First State Bank of Miami 

Texas, Miami, Texas.

MIAMI BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 07/30/2007

07/30/2007

Providence Bancshares Corporation, Southlake, 

Texas, to become a bank holding company by 

acquiring 100 percent of Providence Bank of 

Texas, Southlake, Texas (in organization).

PROVIDENCE BANCSHARES 

CORPORATION

Newspaper:

Federal Register:

* 3A5 07/18/2007

07/19/2007

Southside Bancshares, Inc., Tyler, Texas, to 

acquire by merger 100 percent of Fort Worth 

Bancshares, Inc., Fort Worth, Texas, and 

indirectly acquire Fort Worth National Bank, 

Fort Worth, Texas.

SOUTHSIDE BANCSHARES, 

INCORPORATED

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Southwest Bank, Fort Worth, Texas, to 

establish two branches at the following 

locations: 3340 Camp Bowie Boulevard, Fort 

Worth, Texas 76107 and 4809 Camp Bowie 

Boulevard, Fort Worth, Texas 76107.

SOUTHWEST BANK

Newspaper:

Federal Register:

* 3A1 Not available

06/26/2007

TrustTexas Mutual Holding Company, Cuero, 

Texas, and TrustTexas Financial Group, Inc., 

Cureo, Texas, to become bank holding 

companies by acquiring 100 percent of 

TrustTexas Bank, S.S.B., Cuero, Texas.

TRUSTTEXAS MUTUAL 

HOLDING COMPANY

* 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 7, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 07/18/2007

07/16/2007

WCB Holdings, Inc., to become a bank holding 

company by acquiring 100 percent of Western 

Commercial Bank, both of Woodland Hills, 

California.

WCB HOLDINGS, INC.

* 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