Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 4 

Week Ending January 26, 2008

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

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- to merge with 

Sterling Financial Corporation, Lancaster, and for PNC Bank Delaware, Wilmington, 

Delaware, to merge with Delaware Sterling Bank & Trust Company, Christiana.

- Approved, January 24, 2008

Banks, Foreign

State Bank of India, Mumbai, India -- to establish a branch in Jackson Heights, New 

York.

- Approved, January 24, 2008

Discount Rates

Discount and Advance Rates -- decrease in the primary credit rate from 4-3/4 percent 

to 4 percent by the Federal Reserve Banks of Chicago and Minneapolis, effective 

January 22, 2008.

- Approved, January 21, 2008

Discount and Advance Rates -- decrease in the primary credit rate from 4-3/4 percent 

to 4 percent by the Federal Reserve Banks of Atlanta and Kansas City.

- Approved, January 24, 2008

Discount and Advance Rates -- decrease in the primary credit rate from 4-3/4 percent 

to 4 percent by the Federal Reserve Banks of Boston, New York, Philadelphia, 

Cleveland, Richmond, St. Louis, Dallas, and San Francisco.

- Approved, January 22, 2008

H.2 Board Actions January 20, 2008 to January 26, 2008

(A/C) = Addition or Correction Board - Page 1 of 2
Enforcement

Coconut Grove Bank, Miami, Florida -- isssuance of a consent order of prohibition 

against Aldo N. Morales, a former vice president, loan officer, and 

institution-affiliated party.

- Announced, January 24, 2008

Traders Bank, Spencer, West Virginia -- issuance of consent order of assessment of a 

civil money penalty.

- Announced, January 24, 2008

H.2 Board Actions January 20, 2008 to January 26, 2008

(A/C) = Addition or Correction Board - Page 2 of 2
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

January 20, 2008 to January 26, 2008

Bank Branches, Domestic

American Security Bank, Santa Ana, California -- to establish a branch at 16020 

Apple Valley Road, Apple Valley.

San Francisco

- Approved, January 24, 2008

Compass Bank, Birmingham, Alabama -- to establish branches at 2872 West Main 

Street, Dothan, and 1908 29th Avenue South, Homewood.

Atlanta

- Approved, January 25, 2008

Gateway Bank & Trust Co., Elizabeth City, North Carolina -- to establish a branch at 

100 Dominion Drive, Emporia, Virginia.

Richmond

- Approved, January 23, 2008

LegacyTexas Bank, Plano, Texas -- to establish a branch at 750 West Dallas Road, 

Grapevine.

Dallas

- Approved, January 24, 2008

(A/C) = Addition or Correction Delegated - 1 of 6
Bank Holding Companies

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

Community Bank (in organization), Reidsville, North Carolina, and for Capitol 

Development Bancorp, Limited VII, Lansing, Michigan, to become a bank holding 

company and to acquire shares of Reidsville Community Bank.

Chicago

- Approved, January 24, 2008

Capitol Bancorp, Ltd., Lansing, Michigan -- to acquire shares of Colonia Bank (in 

organization), Phoenix, Arizona, and for Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to become a bank holding company and to acquire shares of 

Colonia Bank.

Chicago

- Approved, January 22, 2008

Capitol Bancorp, Ltd., Lansing, Michigan -- to acquire shares of Pisgah Community 

Bank (in organization), Asheville, North Carolina, and for Capitol Development 

Bancorp, Limited VII, Lansing, Michigan, to become a bank holding company and to 

acquire shares of Pisgah Community Bank.

Chicago

- Approved, January 24, 2008

Capitol Bancorp, Ltd., Lansing, Michigan, and Capitol Development Bancorp 

Limited VII -- to acquire shares of Mountain View Bank of Commerce (in 

organization), Westminster, Colorado, and for Capitol Bancorp Colorado Ltd. II, 

Lansing, Michigan, to become a bank holding company and to acquire shares of 

Mountain View Bank of Commerce.

Chicago

- Approved, January 24, 2008

H.2 Actions under delegated authority January 20, 2008 to January 26, 2008

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

Carroll Financial Services, Inc., Huntingdon, Tennessee -- to acquire Bradford 

Bancshares, Inc., Bradford, and thereby indirectly acquire The Bank of Bradford.

St. Louis

- Approved, January 24, 2008

Evolve Financial Group, Inc., Cordova, Tennessee -- to acquire AFS Investment 

Advisors, Inc., Austin, Texas, and thereby engage in investment advisory activities.

St. Louis

- Returned, January 22, 2008

Heartland Bancshares, Inc., Clinton, Missouri -- to become a bank holding company 

and to acquire Marshall Community Bancshares, Inc., Marshall, and Community 

Bank of Marshall.

Kansas City

- Withdrawn, January 25, 2008

Highland Bancshares, Inc., St. Michael, Minnesota -- to acquire Ridgedale State 

Bank, Minnetonka.

Minneapolis

- Approved, January 25, 2008

JSA Family Limited Partnership, Jacksonville, Texas -- waiver of application to 

acquire Century Capital Financial, Inc., Kilgore, in connection with the merger of 

their subsidiaries, Austin Bank, Texas National Association, Jacksonville, and City 

National Bank, Kilgore.

Dallas

- Granted, January 25, 2008

H.2 Actions under delegated authority January 20, 2008 to January 26, 2008

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

Labette County Bankshares, Inc., Altamont, Kansas -- waiver of application to 

acquire Miners Bancshares, Inc., Frontenac, in connection with the merger of their 

subsidiaries, Labette Bank, Altamont, and The Miners State Bank of Frontenac, 

Frontenac.

Kansas City

- Granted, January 25, 2008

Peoples Financial Corporation, Biloxi, Mississippi -- to acquire Summit William Bell 

Apartments, Ltd., Montgomery, Alabama, and thereby engage de novo in community 

development activities.

Atlanta

- Approved, January 23, 2008

PremierWest Bancorp, Medford, Oregon -- waiver of application to merge with The 

Stockmans Financial Group, Elk Grove, California, in connection with the merger of 

their subsidiaries, PremierWest Bank, Medford, Oregon, and The Stockmans Bank, 

Elk Grove, California.

San Francisco

- Granted, January 24, 2008

Satilla Bankcorp, Inc., St. Mary's, Georgia -- to become a bank holding company and 

to acquire Satilla Community Bank.

Atlanta

- Approved, January 25, 2008

H.2 Actions under delegated authority January 20, 2008 to January 26, 2008

(A/C) = Addition or Correction Delegated - 4 of 6
Change In Bank Control

FC Banc Corp, Bucyrus, Ohio, and The Farmers Citizens Bank -- commenter's 

request to extend the comment period for a change in bank control.

Secretary

- Denied, January 25, 2008

Merchants & Planters Bancshares, Inc., Toone, Tennessee -- change in bank control.

St. Louis

- Permitted, January 25, 2008

Rae Valley Financials, Inc., Petersburg, Nebraska -- to retain control of Rae Valley 

Financials, Inc. and its subsidiary bank, Petersburg State Bank.

Kansas City

- Permitted, January 23, 2008

Extensions Of Time

Adirondack Trust Company Employee Stock Ownership Trust, Saratoga Springs, 

New York -- extension to May 1, 2008, to acquire additional shares of 473 Broadway 

Holding Corporation and The Adirondack Trust Company.

New York

- Granted, January 23, 2008

M&P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan, 

Newport, Arkansas -- extension to April 26, 2008, to acquire additional shares of 

M & P Community Bancshares, Inc.

St. Louis

- Granted, January 25, 2008

H.2 Actions under delegated authority January 20, 2008 to January 26, 2008

(A/C) = Addition or Correction Delegated - 5 of 6
Extensions Of Time

Security Business Bancorp, San Diego, California -- extension to April 24, 2008, to 

become a bank holding company and to acquire Security Business Bank of 

San Diego.

San Francisco

- Granted, January 24, 2008

SolutionsBank, Overland Park, Kansas -- extension to May 5, 2008, to merge with 

Worth National Bank, Lake Worth, Texas, and thereby establish a branch.

Kansas City

- Granted, January 23, 2008

Membership

First Western Bank, Wall, South Dakota, and The First Western Bank Sturgis, 

Sturgis -- to become members of the Federal Reserve System.

Secretary

- Approved, January 25, 2008

Regulations And Policies

Short-term Interest Rates -- decrease in the target for the federal funds rate from 

4-1/4 percent to 3-1/2 percent, effective January 22, 2008.

FOMC

- Approved, January 21, 2008

H.2 Actions under delegated authority January 20, 2008 to January 26, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending January 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Chemung Canal Trust Company, Elmira, New 02/07/2008

York, to purchase loans and other assets, and 

assume the deposit liabilities of three branches 

of Manufacturers and Traders Trust Company, 

Buffalo, New York, pursuant to Section 18(c) of 

the Federal Deposit Insurance Act and to 

establish branches pursuant to Section 9 of the 

Federal Reserve Act.

CHEMUNG CANAL TRUST 

COMPANY

Newspaper:

Federal Register:

* 3A3

* 3A1

* 3A5

02/11/2008

02/08/2008

The Toronto-Dominion Bank,Toronto, Canada, 

and its subsidiaries: TD US P&C Holdings ULC, 

Calgary, Canada; TD Banknorth, Inc., Portland, 

Maine; Cardinal Top Co., Cardinal Intermediate 

Co., and Cardinal Merger Co., all of New York, 

New York; to acquire 100 percent of the voting 

shares of Commerce Bancorp, Inc., Cherry Hill, 

New Jersey, and thereby indirectly acquire 

voting shares of Commerce Bank, NA, 

Philadelphia, Pennsylvania, and Commerce 

Bank/North, Ramsey, New Jersey; and 14.8 

percent of Pennsylvania Commerce Bancorp, 

Inc., and thereby indirectly acquire Commerce 

Bank/Harrisburg, N.A., both of Harrisburg, 

Pennsylvania., pursuant to Sections 3(a)(1)(3)& 

(5)of the Bank Holding Company Act of 1956, as 

amended.

TORONTO-DOMINION BANK, 

THE

* 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 January 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

American Bank, Allentown, PA proposes to 01/31/2008

establish a branch office located at 4261 

Freemansburg Avenu, Bethlehem Township, 

Northampton County, PA, pursuant to Section 9 

of the FRA

AMERICAN BANK

* 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 January 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Premier Financial Bancorp, Huntington, West 

Virginia to acquire 100 percent of Citizens First 

Bank, Inc., Ravenswood, West Virginia

PREMIER FINANCIAL 

BANCORP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Premier Financial Bancorp Huntington, West 

Virginia to acquire 100 percent of Traders 

Bankshares, Inc., Spencer West Virginia, and 

thereby indirectly acquire Traders Bank, 

Spencer, West Virginia

PREMIER FINANCIAL 

BANCORP, INC.

* 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 January 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 02/12/2008

02/22/2008

Community Bankers Acquisition Corp., Great 

Falls, Virginia (to be renamed Community 

Bankers Trust Corporation), to become a bank 

holding company through the acquisition of 

100% of the outstanding common stock of 

TransCommunity Financial Corporation, Glen 

Allen, Virginia, and thereby indirectly acquire 

TransCommunity Bank, National Association, 

Manakin-Sabot, Virginia.

COMMUNITY BANKERS 

ACQUISITION CORP.

Newspaper:

Federal Register:

* 3A5

Not available

Community Bankers Acquisition Corp., Great 02/20/2008

Falls, Virginia (to be renamed Community 

Bankers Trust Corporation), to acquire 100% of 

the voting securities of BOE Financial Services 

of Virginia, Inc., Tappahannock, Virginia, and 

thereby indirectly acquire Bank of Essex, 

Tappahannock, Virginia.

COMMUNITY BANKERS 

ACQUISITION CORP.

Newspaper:

Federal Register:

* 18C Not available

Not applicable

EVB, Tappahannock, Virginia, to acquire certain 

assets and assume certain liabilities of the 

Colonial Heights and Henrico County, Virginia, 

branches of Millennium Bank, N.A., Reston, 

Virginia.

EVB

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Four Oaks Bank & Trust Company, Four Oaks, 02/22/2008

North Carolina, to merge with LongLeaf 

Community Bank, Rockingham, North Carolina.

FOUR OAKS BANK & TRUST 

COMPANY

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending January 26, 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:

4c8 Not applicable

02/13/2008

First Farmers & Merchants Corporation, 

after-the-fact proposal to retain 100 percent of 

the outstanding common shares and 80 percent 

of the preferred shares of Maury Tenn 

Properties, Inc., both of Columbia, Tennessee, 

and thereby continue engaging in making, 

acquiring, brokering, or other extensions of 

credit.

FIRST FARMERS AND 

MERCHANTS CORPORATION

Newspaper:

Federal Register:

* 3A1 02/15/2008

02/21/2008

Greensburg Bancshares, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of Bank of Greensburg, 

both of Greensburg, Louisiana.

Greensburg 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 January 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 02/01/2008

02/12/2008

Notice by Patricia L. Pierce, Menasha, 

Wisconsin, as an individual, and Patricia L. 

Pierce and Oliver P. Smith, Menasha, 

Wisconsin, as a group acting in concert, to 

retain control of First Menasha Bancshares, 

Inc., Neenah, Wisconsin, and thereby indirectly 

retain control of First National Bank-Fox Valley, 

Neenah, Wisconsin.

FIRST MENASHA 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

02/11/2008

Heartland Financial USA, Inc., Dubuque, Iowa, 

to acquire at least 80 percent of Minnesota Bank 

& Trust (in organization), Edina, Minnesota.

HEARTLAND FINANCIAL USA, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

02/06/2008

Luana Bancorporation, Luana, Iowa, to acquire 

100 percent of First State Bank Iowa, New 

Hampton, Iowa.

LUANA BANCORPORATION

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

The Northern Trust International Banking 

Corporation, Chicago, Illinois, proposes to 

consolidate four of its existing foreign operating 

subsidiaries organized under the laws of Ireland.

NORTHERN TRUST 

INTERNATIONAL BANKING 

CORPORATION, THE

Newspaper:

Federal Register:

* 3A1 Not available

Not available

NRBC Holding Corporation, Chicago, Illinois, to 

become a bank holding company by acquiring 

100 percent of the voting shares of The National 

Republic Bank of Chicago, Chicago, Illinois.

NRBC HOLDING CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Rolling Hills Bank & Trust, Atlantic, Iowa, to 

merge with Meta Bank West Central 

("MBWC"), Stuart, Iowa, and thereby to 

establish branch offices at 615 South Division 

Street, Stuart, Iowa; 501 Sherman, Menlo, Iowa, 

and 101 East Logan, Casey, Iowa.

ROLLING HILLS 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 January 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/21/2008

02/22/2008

First National Bancorp, Inc., Green Forest, 

Arkansas ("Bancorp"), to acquire additional 

shares of Legacy National Bank, Springdale, 

Arkansas ("Legacy"). The acquisition will 

result in Bancorp retaining ownership of up to 

9.99 percent of Legacy's voting stock.

FIRST NATIONAL BANCORP, 

INC.

* 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 January 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

02/11/2008

BancMidwest Corporation, Saint Paul, 

Minnesota, to acquire 100 percent of Hiawatha 

Bancshares, Inc., Hager City, Wisconsin, and 

thereby indirectly acquire Hiawatha National 

Bank, Hager City, Wisconsin.

BANCMIDWEST 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

02/13/2008

Notice by Lawrence W. Jochim Revocable 

Trust, Lawrence W. Jochim as trustee and 

individually, Bigfork, Montana; Cindy Jochim 

and Richard Jochim, both of Bigfork, Montana; 

Todd Jochim, Lakeside, Montana; Lesley 

Jungers, Seeley Lake, Montana; Karla Langlois, 

Missoula, Montana; and Marcus Jochim and 

Beverly Jochim, both of Inverness, Montana, 

acting as a group in concert, to gain control of 

Flathead Holding Company of Bigfork, 

Montana, and thereby indirectly gain control of 

Flathead Bank of Bigfork, Bigfork, Montana. In 

addition, notice by Gib S. Nichols Living Trust 

and Sarah E. Nichols Living Trust, Gib Nichols 

and Sarah Nichols as trustees of each trust and 

individually, Vancouver, Washington; James 

Brendan Nichols, West Linn, Oregon; Shaun 

Nichols, Tuscon, Arizona; Norris D. Nichols, 

Helena, Montana, Karyl Arndt, Aurora, 

Colorado; and Roseanne Heser, Mahtomedi, 

Minnesota, acting as a group in concert, to gain 

control of Flathead Holding Company of 

Bigfork, Bigfork, Montana, and thereby 

indirectly gain control of Flathead Bank of 

Bigfork, Bigfork, Montana.

FLATHEAD HOLDING 

COMPANY OF BIGFORK

Newspaper:

Federal Register:

* 3A1 Not available

02/01/2008

United Citizens 401(K) Savings Plan, Osseo, 

Wisconsin, to become a bank holding company 

by acquiring up to 56 percent 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 Community 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.

UNITED CITIZENS 401(K) 

SAVINGS PLAN

* 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 January 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

American Heritage Bank, Sapulpa, Oklahoma, to 02/11/2008

establish a branch at the southwest corner of 

the intersection of State Highway 117 (West 

121st Street South) and South Vancouver 

Avenue, Glenpool, Oklahoma.

AMERICAN HERITAGE BANK

Newspaper:

Federal Register:

* 3A1 02/16/2008

02/19/2008

HOTC, Inc. to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Wray State Bank, both in 

Wray, Colorado.

HOTC, INC.

Newspaper:

Federal Register:

CIC 01/24/2008

01/22/2008

Notice by John E. Eisemann, IV, Trinidad, 

Colorado, to retain control of Republic Trinidad 

Corporation, Houston, Texas, parent of First 

National Bank in Trinidad, Trinidad, Colorado, 

through the acquisition of voting shares.

REPUBLIC TRINIDAD 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

01/09/2008

Notification by Russell H. Loewenstein, 

Orleans, Nebraska, individually and as a member 

of the Loewenstein group; and Karl Randecker, 

Jr., Cozad, Nebraska, individually and as a 

member of the Randecker group; to acquire 

control of Stamford Banco, Inc., Stamford, 

Nebraska, parent of Community Bank, Alma, 

Nebraska. Notice by Stamford Banco, Inc., 

Stamford, Nebraska, to redeem 25 percent of its 

outstanding common stock.

STAMFORD BANCO, INC.

* 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 January 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Mr. Glover Loftin, Delhi, Louisiana, to 

acquire 35,230 shares or 14.68 percent of Capital 

Bancorp, Inc., Delhi, Louisiana, and indirectly 

acquire Commercial Capital Bank, Delhi, 

Louisiana.

CAPITAL BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

02/22/2008

Relationship Financial Corporation, Kerrville, 

Texas, to become a bank holding company by 

acquiring 100 percent of Guadalupe National 

Bank, Kerrville, Texas (in organization).

RELATIONSHIP FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Southside Bancshares, Inc., Tyler, Texas, to 

acquire indirectly through its sole bank 

subsidiary, Southside Bank, Tyler, Texas, a 51 

percent interest in Southside Financial Group, 

LLC, Arlington, Texas, and therefore to engage 

in lending activities pursuant to section 4(c)(8) 

of the Bank Holding Company Act and Section 

225.28(b)(1) of Regulation Y.

SOUTHSIDE BANCSHARES, 

INCORPORATED

* 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 January 26, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Commonwealth Business Bank, Los Angeles, 

California, to become a member of the Federal 

Reserve System.

COMMONWEALTH BUSINESS 

BANK

Newspaper:

Federal Register:

* 3A3 Not available

02/22/2008

UCBH Holdings, Inc., San Francisco, California, 

to acquire up to 6.52 percent of First American 

International Corporation, and thereby 

indirectly its subsidiary, First American 

International Bank, both of Brooklyn, New York.

UCBH HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

02/01/2008

Western Capital Corporation, Boise, Idaho, to 

become a bank holding company by acquiring 

100 percent of Western Capital Bank (In 

Organization), Boise, Idaho; and GWY, LLC, 

Bellevue, Washington, to become a bank 

holding company by indirectly acquiring, at 

least 64 percent of Western Capital Bank (In 

Organization), Boise, Idaho.

WESTERN CAPITAL 

CORPORATION

* 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