Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 19 

Week Ending May 10, 2008

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

Forms -- final Board review to extend without revision: (1) The Recordkeeping and 

Disclosure Requirements in Connection with Regulation DD and (2) Recordkeeping 

and Disclosure Requirements Associated with the Guidance on Response Programs 

for Unauthorized Access to Customer Information.

- Approved, May 9, 2008

Regulations And Policies

Regulation V (Fair Credit Reporting) -- publication for comment of interagency 

amendments that would require certain persons to provide risk-based pricing notices 

to consumers who are offered or receive less favorable credit terms than other 

customers based in whole or in part on the customer's credit report.

- Approved, April 30, 2008

(A/C)

Enforcement

Integrity Bancshares, Inc., Alpharetta, Georgia -- written agreement with the Federal 

Reserve Bank of Atlanta and the Georgia State Banking Commissioner.

- Announced, May 6, 2008

H.2 Board Actions May 4, 2008 to May 10, 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

May 4, 2008 to May 10, 2008

Bank Branches, Domestic

Compass Bank, Birmingham, Alabama -- to establish branches at the intersection of 

North 91st Avenue and West Thomas Road, Phoenix, Arizona; 9801 Grant Street, 

Thornton, Colorado; near the intersection of San Jose Boulevard and Race Track 

Road, Jacksonville, Florida; 9500 Sage Road Southwest, Albuquerque, New Mexico; 

and 10635 Louetta Road, Houston, Texas.

Atlanta

- Approved, May 7, 2008

First Farmers and Merchants Bank, Columbia, Tennessee -- to establish branches at 

901 Nashville Highway; and the corner of Billingsly Court and Cool Springs 

Boulevard, Franklin.

Atlanta

- Approved, May 8, 2008

Bank Holding Companies

Commercial Bancgroup, Inc. Harrogate, Tennessee, and Robertson Holding 

Company, L.P. -- waiver of application in connection with its merger with Union 

National Bancorp of Barbourville, Inc., Barbourville, Kentucky, and its subsidiary 

bank, Union National Bank & Trust Company.

Atlanta

- Withdrawn, May 6, 2008

ENB Financial Corp., Ephrata, Pennsylvania, and The Hibshman Trust for Ephrata 

National Bank Stock -- to become a bank holding company and to acquire shares of 

ENB Financial Corp.

Secretary

- Approved, May 9, 2008

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

Frandsen Financial Corporation, Arden Hills, Minnesota -- to merge with Anderson 

Financial Group, Inc., Wayzata, and to acquire Northern National Bank, Nisswa.

Minneapolis

- Approved, May 5, 2008

Frandsen Financial Corporation, Arden Hills, Minnesota -- to merge with Tower 

Bancshares, Inc., Cloquet, and to acquire State Bank of Tower.

Minneapolis

- Approved, May 5, 2008

Green Valley Bancorp, MHC, Southbridge, Massachusetts, and Green Valley 

Bancorp, Inc. -- to become a mutual bank holding company and a stock bank holding 

company, respectively, and to acquire Southbridge Savings Bank.

Boston

- Approved, May 9, 2008

Krey Co. Ltd., Pratt, Kansas, and The Peoples Bank -- waiver of applications in 

connection with their application to acquire SCB Financial Corporation, Smith 

Center, and its subsidiary bank, The Smith County State Bank and Trust Company.

Kansas City

- Approved, May 5, 2008

MainSource Financial Group, Inc. Greensburg, Indiana -- to acquire 1st 

Independence Financial Group, Inc., Louisville, Kentucky, and its subsidiary bank, 

1st Independence Bank.

Chicago

- Approved, May 9, 2008

H.2 Actions under delegated authority May 4, 2008 to May 10, 2008

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

Oak Valley Bancorp, Oakdale, California -- to become a bank holding company and 

to acquire Oak Valley Community Bank.

San Francisco

- Approved, May 9, 2008

TriCentury Corporation, Overland Park, Kansas -- to become a bank holding 

company and to acquire Nine Tribes Bancshares, Inc., Quapaw, Oklahoma, and its 

subsidiary bank, The Bank of Quapaw.

Kansas City

- Withdrawn, May 5, 2008

Wachovia Corporation, Charlotte, North Carolina, and its subsidiary, A.G. Edwards, 

Inc., St. Louis, Missouri -- waiver of application to acquire the stock of A.G. 

Edwards Trust Company, National Association, St. Louis, as part of a corporate 

reorganization, in connection with its merger with Wachovia's subsidiary bank, 

Wachovia Bank, National Association, Charlotte.

Secretary

- Granted, May 2, 2008

(A/C)

The Westchester Bank Holding Corporation, Yonkers, New York -- to become a 

bank holding company and to acquire The Westchester Bank, a de novo 

state-chartered bank.

New York

- Approved, May 9, 2008

H.2 Actions under delegated authority May 4, 2008 to May 10, 2008

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

Castle Creek Capital Partners III, L.P., Rancho Santa Fe, California; Castle Creek 

Capital III, LLC; Eggemeyer Capital LLC; Ruh Capital LLC; and Legions IV 

Advisory Corp. -- extension to August 16, 2008, to acquire an interest in Centennial 

Bank Holdings, Inc., Denver, Colorado, and its subsidiary bank, Guaranty Bank and 

Trust Company.

San Francisco

- Granted, May 7, 2008

Castle Creek Capital Partners III, L.P., Rancho Santa Fe, California; Castle Creek 

Capital III, LLC; Eggemeyer Capital LLC; Ruh Capital LLC; and Legions IV 

Advisory Corp. -- extension to August 26, 2008, to increase their ownership in 

Atlanta Bancorporation, Atlanta, Georgia, and its subsidiary federal savings bank, 

Bank of Atlanta FSB, and thereby operate a savings association.

San Francisco

- Granted, May 7, 2008

H.2 Actions under delegated authority May 4, 2008 to May 10, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending May 10, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

05/21/2008

05/22/2008

Application by ESB Bancorp, MHC and ESB 

Bancorp, Inc., both of Easthampton, 

Massachusetts, to become a mutual bank 

holding company and stock bank holding 

company, respectively, by acquiring 

Easthampton Savings Bank, Easthampton, 

Massachusetts, pursuant to sections 3(a)(1) 

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

of 1956, as amended.

ESB BANCORP MHC

Newspaper:

Federal Register:

* 3A1 Not available

06/02/2008

Greenfield Bancorp, MHC, Greenfield, 

Massachusetts to acquire 100% of the capital 

stock of Greenfield Co-operative Bank, 

Greenfield, Massachusetts pursuant to section 

3(a)(1) of the BHC Act in connection with the 

reorganization of Greenfield Bancorp, MHC, 

Greenfield, Massachusetts, from mutual to stock 

form.

GREENFIELD BANCORP MHC

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Hyde Park Bancorp, MHC, Hyde Park, 

Massachusetts to become a bank holding 

company pursuant to section 3(a)(1) of the BHC 

Act in connection with the reorganization of 

Hyde Park Savings Bank, Hyde Park, 

Massachusetts into a mutual bank holding 

company structure.

Hyde Park Bancorp, MHC

Newspaper:

Federal Register:

* Branch

Not applicable

Medway Co-operative Bank, Medway, 05/10/2008

Massachusetts - application to establish a new 

branch office at 2 South Maple Street, 

Bellingham, Massachusetts

MEDWAY CO-OPERATIVE 

BANK

* 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 May 10, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

American Express Bank International, Miami, 

Florida, requests approval to amend Articles of 

Association to change its name to Standard 

Chartered International(USA)Limited, pursuant 

to Section 211.5(c)of Regulation K.

AMERICAN EXPRESS BANK 

LTD.

* 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 May 10, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 18C

05/28/2008

06/06/2008

Landmark Bancorp, Inc., Pittston,PA, to become 

a bank holding company by acquiring Landmark 

Community Bank, Pittston, PA.

LANDMARK BANCORP INC

* 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 May 10, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Grand Rapids, Michigan, to 

establish a branch at Woodward and Forrest, 

Detroit, Michigan

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Grand Rapids, Michigan, to 

establish a branch at 680 North Lake Shore 

Drive, Chicago, Illinois

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Grand Rapids, Michigan, to 

establish a branch at 2660 US Highway 34, 

Oswego, Illinois

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Grand Rapids, Michigan, to 

establish a branch at 7200 West 87th Street, 

Bridgeview, Illinois

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Grand Rapids, Michigan to 

establish a branch at 1420 East 53rd Street, 

Chicago, Illinois

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Grand Rapids, Michigan, to 

establish a branch at 2353 63rd Street, 

Woodridge, Illinois

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Grand Rapids, Michigan, to 

establish a branch at 8001 Golf Road, Niles, 

Illinois

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Grand Rapids, Michigan, to 

establish a branch at the northeast corner of 

Conroy and Turkey Lake, Orlando, Florida

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Grand Rapids, Michigan, to 

establish a branch at 3801 Pleasant Hill Road, 

Kissimmee, Florida

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Cincinnati, Ohio, to establish a 

branch at 1095 East Dayton Yellow Springs 

Road, Dayton, Ohio

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Cincinnati, Ohio, to establish a 

temporary branch at Highland Meadows Golf 

Club, 7455 Erie Street, Sylvania, Ohio

FIFTH THIRD BANK

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

Federal Reserve Bank of Cleveland

Filings received during the week ending May 10, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notices of Change in Bank Control 

filed by:

(1.) Jay L. Dunlap, Lincoln, NB to retain voting 

authority granted by proxy from Mark Dunlap 

over 58.25 shares or 55.48% of the outstanding 

voting shares of New Richmond 

Bancorporation, New Richmond, OH;

(2.) Samad Yaltaghian, Rusden, Northants, 

England, to acquire 46.75 shares or 45.52 

percent of the outstanding voting shares of 

New Richmond Bancorporation, New Richmond, 

OH;

(3.) Jay L. Dunlap, Lincoln, NB and Samad 

Yaltaghian, Rusden, Northants, England, in 

concert resulting from a proxy to vote 46.75 

shares or 45.52 percent of the outstanding 

voting shares of New Richmond 

Bancorporation, New Richmond, OH granted to 

Jay L. Dunlap by Samad Yaltaghian.

NEW RICHMOND 

BANCORPORATION

* 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 May 10, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 May 10, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caixa de Aforros de Vigo, Ourense e 

Pontevedra, Vigo, Spain, to establish 

international bank branches in New York, New 

York, Chicago, Illinois, Los Angeles, California, 

and Houston, Texas.

CAIXA DE AFORROS DE VIGO, 

OURENSE E PONTEVEDRA

Newspaper:

Federal Register:

* 3A3 Not available

06/09/2008

Hometown Banking Company, Inc., Ft. Pierce, 

Florida, to retain control of 31.26 percent of the 

voting control of all classes of common stock of 

Hometown of Homestead Banking Company, 

and its subsidiary, 1st National Bank of South 

Florida, both of Homestead, Florida.

HOMETOWN BANKING 

COMPANY, INC.

Newspaper:

Federal Register:

* 3A1 06/05/2008

06/06/2008

The Southern Banc Company, Inc., Gadsden, 

Alabama, to become a bank holding company 

and thereby retain control of The Southern 

Bank Company, Gadsden, Alabama (Bank), 

upon the Bank's conversion from a federal 

savings bank to an Alabama state-chartered 

commercial bank.

SOUTHERN BANC COMPANY, 

INC., THE

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 05/17/2008

branch located at 9933 Sowder Village Square, 

Manassas, Virginia, to be known as the 

Innovation Bristow Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* 18C

Not applicable

SunTrust Bank, Atlanta, Georgia, to merge with 06/06/2008

the following banks: Gainesville Bank & Trust, 

Gainesville, Georgia; Home Town Bank of Villa 

Rica, Villa Rica, Georgia; United Bank & Trust 

Company, Rockmart, Georgia; First National 

Bank of the South, Milledgeville, Georgia; 

Community Trust Bank, Hiram, Georgia; and 

First National Bank of Gwinnett, Duluth, 

Georgia.

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 May 10, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 05/29/2008

05/30/2008

First State Bancorporation, Inc., Milan, Illinois, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

Lamoine Bancorp, Inc., La Harpe, Illinois, and 

thereby indirectly acquire First State Bank of 

Western Illinois, La Harpe, Illinois.

FIRST STATE 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A3 05/29/2008

05/30/2008

First State Bancorporation, Inc., Milan, Illinois, 

to acquire 100 percent of the voting shares of 

State Bank of Colusa, Colusa, Illinois.

FIRST STATE 

BANCORPORATION, INC.

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:

* 3A1 Not available

05/22/2008

Lake Shore Wisconsin Corporation, Sheboygan, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Lake Shore Bank (in organization), Sheboygan, 

Wisconsin.

LAKE SHORE WISCONSIN 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

05/26/2008

Liberty Financial Services, Inc., Sioux City, 

Iowa, to acquire 100 percent of the voting 

shares of Valley Bank N.A., Elk Point, South 

Dakota.

LIBERTY FINANCIAL SERVICES, 

INC.

Newspaper:

Federal Register:

* 3A3 05/05/2008

05/02/2008

Northstar Financial Group, Inc., Bad Axe, 

Michigan, to acquire 100 percent of the voting 

shares of Grand Haven Bank, Grand Haven, 

Michigan, Kent Commerce Bank, Kentwood, 

Michigan, Muskegon Commerce Bank, 

Muskegon, Michigan, and Paragon Bank & 

Trust, Holland, Michigan.

NORTHSTAR FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Premier Bancorp of Illinois, Inc., Farmer City, 

Illinois, to retain 20.8 percent of the voting 

shares of F M Bancorp, Inc., Paxton, Illinois, 

and thereby indirectly retain Farmers-Merchants 

National Bank of Paxton, Paxton, Illinois.

PREMIER BANCORP OF 

ILLINOIS, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

West Michigan National Bank & Trust (t/b/k as 

West Michigan Bank & Trust), Frankfort, 

Michigan, to become a member of the Federal 

Reserve System.

WEST MICHIGAN NATIONAL 

BANK & TRUST

* 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 May 10, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 May 10, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

06/05/2008

Hatton Bancshares, Inc., Hatton, North Dakota, 

to acquire 100 percent of Mahnomen 

Bancshares, Inc., Mahnomen, Minnesota, and 

thereby indirectly acquire First National Bank in 

Mahnomen, Mahnomen, Minnesota.

HATTON BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 05/12/2008

05/15/2008

Hazen Bancorporation, Inc., Hazen, North 

Dakota, to acquire additional shares of the 

outstanding stock of North Star Holding 

Company, Inc., Jamestown, North Dakota, to 

increase its ownership to 19.20%, and thereby 

indirectly acquire Unison Bank, Jamestown, 

North Dakota and Unison Bank, Mesa, Arizona, 

a de novo bank.

HAZEN BANCORPORATION, 

INC.

Newspaper:

Federal Register:

CIC Not available

05/19/2008

Notice by JCLL 2007 Irrevocable Trust B, JCLL 

2007 Irrevocable Trust T, and James A. McLean, 

as Trustee of the trusts, all of Bozeman, 

Montana; Plotinus Trust, Ennis, Montana, and 

Peter T. Combs, Alamos, Sonora, Mexico, as an 

individual and as Trustee of the trust; and by C. 

Bruce Combs, Bozeman, Montana; Timothy 

Combs, Ennis, Montana; and Virginia B. Combs, 

Alamos, Sonora, Mexico, as individuals, which 

collectively are part of a group acting in concert, 

to retain and acquire control of Jackass Creek 

Land & Livestock Company, Ennis, Montana, 

and thereby indirectly retain and acquire control 

of the First Madison Valley Bank, Ennis, 

Montana, and the First Boulder Valley Bank, 

Boulder, Montana.

JACKASS CREEK LAND & 

LIVESTOCK COMPANY

Newspaper:

Federal Register:

* 3A3 05/12/2008

05/15/2008

McIntosh County Bank Holding Company, Inc., 

Ashley, North Dakota, to acquire additional 

shares of the outstanding stock of North Star 

Holding Company,Inc., Jamestown, North 

Dakota, to maintain its 33.33% ownership, and 

thereby indirectly acquire Unison Bank, 

Jamestown, North Dakota and Unison Bank, 

Mesa, Arizona, a de novo bank.

MCINTOSH COUNTY BANK 

HOLDING COMPANY, INC.

Newspaper:

Federal Register:

* 3A3 05/12/2008

05/15/2008

North Star Holding Company, Inc., Jamestown, 

North Dakota, to acquire 100% of Unison Bank, 

Mesa, Arizona, a de novo bank.

NORTH STAR HOLDING 

COMPANY, INC.

Newspaper:

Federal Register:

* 3A3 05/12/2008

05/15/2008

Wishek Bancorporation, Inc., Wishek, North 

Dakota, through its 28.26% ownership of North 

Star Holding Company, Inc., Jamestown, North 

Dakota, to acquire indirect control of Unison 

Bank, Mesa, Arizona, a de novo bank.

WISHEK BANCORPORATION, 

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 May 10, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 05/26/2008

05/28/2008

Notice by J. Robert Young, Carbondale, 

Colorado, individually and as a voting trustee of 

the Alpine Banks of Colorado Employee Stock 

Ownership Plan and 401K (ESOP) to acquire 

control of; and by J. Robert Young, Margo L. 

Young-Gardey and Lindsay D. Nash, both of 

Glenwood Springs, Colorado, as members of a 

family group acting in concert, to acquire 

control of Alpine Banks of Colorado, parent of 

Alpine Bank, both in Glenwood Springs, 

Colorado, through the acquisition of voting 

shares.

ALPINE BANKS OF COLORADO

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Metcalf Bank, Lee's Summit, Missouri, to merge 06/06/2008

with First Kansas Bank and Trust Company, 

Gardner, Kansas, and incident thereto to 

establish four branches at 109 E. Main, 900 East 

Main, 830 East Main, all in Gardner, Kansas, and 

405 East Nelson, Edgerton, Kansas, and to 

operate under the title of Metcalf Bank, Lee's 

Summit, Missouri.

METCALF BANK

* 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 May 10, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Allegiance Bancshares, Inc., Houston, Texas, to 

become a bank holding company by acquiring 

100 percent of Allegiance Bank Texas, Houston, 

Texas.

ALLEGIANCE BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC 05/14/2008

05/16/2008

Notice by Greg S. Stubbs and Jennifer J. Stubbs, 

Groesbeck, Texas, to acquire an interest in 

Bi-Stone Bancshares, Inc., Mexia, Texas, and 

indirectly acquire Incommons Bank, N.A., 

Mexia, Texas.

BI-STONE BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 05/14/2008

05/16/2008

Notice by Brad Butler and Denise Butler, 

Wortham, Texas, to acquire an interest in 

Bi-Stone Bancshares, Inc., Mexia, Texas, and 

indirectly acquire Incommons Bank, N.A., 

Mexia, Texas.

BI-STONE BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Comercia Bank, Dallas, Texas, to establish a 05/20/2008

branch to be located at 111 N. Magnolia Ave., 

Orlando, Florida 32801.

COMERICA BANK

Newspaper:

Federal Register:

CIC Not available

05/21/2008

The Haskell Bancshares, Inc. Employee Stock 

Ownership Plan, Haskell, Texas, Robert Howard, 

Abilene, Texas, Dan R. Griffith, Haskell, 

Texas,and Andrew Gannaway, Haskell, Texas, 

acting as Trustees, to retain ownership and 

control of Haskell Bancshares, Inc., Haskell, 

Texas, and indirectly its subsidiary, Haskell 

National Bank, Haskell, Texas.

HASKELL BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Mr. Kelly O. Dunn, Scottsdale, 

Arizona, and Mr. Larry Lee Sheffield, Phoenix, 

Arizona, et al, acting in concert, to acquire 

control of New Mexico First Financial, Inc., Las 

Cruces, New Mexico, and indirectly acquire 

Mesilla Valley Bank, Las Cruces, New Mexico.

NEW MEXICO FIRST 

FINANCIAL, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

PointBank, Pilot Point, Texas, to establish a 05/17/2008

branch to be located at 4920 Long Prairie Road, 

Flower Mound, Texas 75028.

POINTBANK

Newspaper:

Federal Register:

* Branch

Not applicable

Texas Star Bank, Van Alstyne, Texas, to 05/16/2008

establish a branch to be located at US Hwy. 75 

and Texanna Street, Van Alstyne, Texas 75495.

TEXAS STAR BANK

* 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 May 10, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Bank of Whitman Employee Stock Ownership 

Plan, Colfax Washington, to acquire 56 percent 

of Whitman Bancorporation Incorporated, 

Colfax, Washington, and thereby indirectly 

acquire Whitman Bank, Colfax, Washington.

BANK OF WHITMAN 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

* 3A1 05/06/2008

06/09/2008

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund-A, L.P., Carpenter Community 

Bancfund, L.P., and Carpenter Community 

Bancfund CA, L.P., all of Irvine, California, to 

become bank holding companies by acquiring 

24.3 percent of Mission Community Bancorp, 

and thereby its subsidiary, Mission Community 

Bank, both of San Luis Obispo, California.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

* 3A1 Not available

05/26/2008

Gateway Pacific Bancorp to become a bank 

holding company by acquiring 100 percent of 

Gateway Pacific Bank (In Organization), both of 

National City, California.

GATEWAY PACIFIC BANCORP

Newspaper:

Federal Register:

CIC Not available

05/29/2008

Notice by Linda Louise Yanke, Meridian, Idaho, 

and Brian Scott Norby, Daniel Ronald Yanke, 

Nathan Daniel Yanke, and Carl Ron Yanke, all of 

Boise, Idaho, to retain 18.94 percent of Silver 

State Bancorp, and thereby indirectly control its 

subsidiary, Silver State Bank, both of 

Henderson, Nevada.

SILVER STATE BANCORP

* 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