Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 35 

Week Ending August 30, 2008

Board of Governors of the Federal Reserve System, Washington, DC 20551
Monetary and Financial Policy

Term Auction Facility -- TAF auction in the amount of $75 billion in 28-day credit 

on August 25, 2008.

- Announced, August 25, 2008

Personnel

Division of Consumer and Community Affairs -- appointment of Anna Alvarez Boyd 

as associate director, Maryann Hunter as senior adviser, and Allen Fishbein as 

adviser.

- Announced, August 25, 2008

Division of Monetary Affairs -- appointment of Cheryl Edwards as senior associate 

director, Andrew Levin and William Nelson as associate directors, Seth Carpenter 

and Roberto Perli as deputy associate directors, and Egon Zakrajsek as assistant 

director.

- Announced, August 25, 2008

Enforcement

Columbian Financial Corporation, Overland Park, Kansas -- written agreement with 

the Federal Reserve Bank of Kansas City.

- Announced, August 25, 2008

Orion Bancorp, Naples, Florida, and Orion Bank -- written agreement with the 

Federal Reserve Bank of Atlanta and the State of Florida Office of Financial 

Regulation.

- Announced, August 29, 2008

Security Pacific Bancorp, Los Angeles, California -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, August 28, 2008

H.2 Board Actions August 24, 2008 to August 30, 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 Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

August 24, 2008 to August 30, 2008

Bank Branches, Domestic

American State Bank of Pierre, Pierre, South Dakota -- to establish a mobile branch 

in Pierre.

Minneapolis

- Approved, August 26, 2008

Community Banks of Colorado, Greenwood Village, Colorado -- to establish a 

branch at 320 Main Street, Carbondale.

Kansas City

- Withdrawn, August 27, 2008

StellarOne Bank, Christiansburg, Virginia -- to establish a branch at 4109 Plank 

Road, Fredericksburg.

Richmond

- Approved, August 27, 2008

Bank Holding Companies

BOH Holdings, Inc., Houston, Texas -- to become a bank holding company and to 

acquire Bank of Houston, Houston.

Dallas

- Approved, August 27, 2008

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

Central Valley Community Bancorp, Fresno, California -- waiver of application to 

merge with Service 1st Bancorp, Tracy, in connection with the merger of their 

respective subsidiaries, Central Valley Community Bank, Fresno, and Service 1st 

Bank, Stockton.

San Francisco

- Granted, August 29, 2008

First Community Bancshares, Inc., Bluefield, Virginia -- waiver of application to 

merge with Coddle Creek Financial Corp., Mooresville, North Carolina, in 

connection with the merger of their respective subsidiaries, First Community Bank, 

N.A., Bluefield, Virginia, and Mooresville Savings Bank, Inc. SSB, Mooresville, 

North Carolina.

Richmond

- Granted, August 26, 2008

Bank Mergers

City State Bank, Ogden, Iowa -- to merge with Ames Community Bank, Ames, and 

Community Bank of Boone, Boone, and thereby establish branches at 217 West 

Mulberry Street, Ogden, and 104 Chestnut, Ames.

Chicago

- Withdrawn, August 28, 2008

Regions Bank, Birmingham, Alabama -- to purchase certain assets and assume 

certain deposits and other liabilities of five branches of Integrity Bank, Alpharetta, 

Georgia.

Atlanta

- Approved, August 29, 2008

H.2 Actions under delegated authority August 24, 2008 to August 30, 2008

(A/C) = Addition or Correction Delegated - 2 of 4
Change In Bank Control

West End Financial Corp., Bessemer, Michigan -- to retain control of West End and 

its subsidiary bank, Gogebic Range Bank, Bessemer.

Minneapolis

- Permitted, August 29, 2008

Extensions Of Time

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri -- extension 

to December 6, 2008, to increase its ownership of Cabool Bancshares, Inc., Cabool, 

and Cabool State Bank.

St. Louis

- Granted, August 28, 2008

HOTC Investment Company, Wray, Colorado -- extension to December 3, 2008, to 

become a bank holding company and to acquire Wray State Bank, Wray.

Kansas City

- Granted, August 28, 2008

Financial Holding Companies 

Cecil Bancorp, Inc., Elkton, Maryland -- election to become a financial holding 

company.

Richmond

- Effective, August 26, 2008

H.2 Actions under delegated authority August 24, 2008 to August 30, 2008

(A/C) = Addition or Correction Delegated - 3 of 4
International Operations

Wachovia Corporation, Charlotte, North Carolina -- waiver of remainder of 

notification period to make an additional investment in Wachovia Real Estate Korea, 

Inc., Seoul, Republic of South Korea.

Director, BS&R

- Granted, August 28, 2008

Membership

First Bank of Brownfield, Brownfield, Texas (to be renamed Lone Star State Bank of 

West Texas, Lubbock) -- to become a member of the Federal Reserve System.

Dallas

- Approved, August 29, 2008

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on August 5 and of the 

conference call held on July 24, 2008.

FOMC

- Published, August 26, 2008

H.2 Actions under delegated authority August 24, 2008 to August 30, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending August 30, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

Application by SIS Bancorp, MHC and SIS 

Bancorp, Inc., both of Sanford, Maine - to 

become a mutual bank holding company and 

stock bank holding company, respectively, by 

acquiring Sanford Institution for Savings, 

Sanford, Maine, pursuant to sections 3(a)(1) 

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

of 1956, as amended.

SIS BANCORP, MHC

Newspaper:

Federal Register:

* 3A1

* 3A3

09/19/2008

09/19/2008

Application by WebFive, MHC and WebFive 

Financial Services, Inc., both of Webster, 

Massachusetts - to become a mutual bank 

holding company and stock bank holding 

company, respectively, by acquiring Webster 

Five Cents Savings Bank, Webster, 

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

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

of 1956, as amended.

WEBFIVE MHC

* 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

 947776 MEDWAY CO-OP BK, MEDWAY, MASSACHUSETTS 03/31/2008 08/12/2008 S Small Bank

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 August 30, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citigroup Inc., New York, New York and 

Citigroup Global Markets Brasil, Corretora De 

Cambio Titulos E Valores Mobiliarios S.A., Sao 

Paulo, Brazil, to make an investment in Intra S.A. 

Corretora de Cambio e Valores, Sao Paulo, 

Brazil, pursuant to Section 211.9(f) of Regulation 

K.

CITIGROUP INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

ICICI Bank Limited, Mumbai, India, to establish 

representative offices in San Francisco or Los 

Angeles, California, Miami, Florida, Atlanta, 

Georgia, Chicago, Illinois, Edison or 

Woodbridge, New Jersey, Dallas or Houston, 

Texas, and Washington D.C., pursuant to 

Section 211.24(a)(1) of Regulation K.

ICICI BANK LIMITED

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 09/04/2008

Buffalo, New York, requests to establish 

branches located at (i) 285 Delaware Avenue, 

City of Buffalo, Erie County, New York and (ii) 

101 West Third Street, Williamsport, Lycoming 

County, Pennsylvania.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

* 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

 884303 CHEMUNG CANAL TC, ELMIRA, NEW YORK 03/10/2008 08/04/2008 O Int Sm Bank

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 August 30, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 August 30, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

The Richwood Banking Company, Richwood, 

Ohio, seeks retroactive approval to exceed the 

limitation on investment in bank premises 

proscribed by section 24A of the Federal 

Reserve Act

RICHWOOD BANKING 

COMPANY, INC., THE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending August 30, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/14/2008

09/18/2008

Bank of America Corporation, Charlotte, North 

Carolina, and NB Holdings Corporation, 

Charlotte, North Carolina, to acquire 100% of 

the voting securities of Bank of America 

Michigan, National Association, Troy, 

Michigan (in organization).

BANK OF AMERICA 

CORPORATION

Newspaper:

Federal Register:

* 3A3 09/14/2008

09/18/2008

Bank of America Corporation, Charlotte, North 

Carolina, and NB Holdings Corporation, 

Charlotte, North Carolina, to acquire 100% of 

the voting securities of Bank of America Illinois, 

National Association, Chicago, Illinois (in 

organization).

BANK OF AMERICA 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of the James, Lynchburg, Virginia, 09/12/2008

proposes to establish a branch at 815 Main 

Street, Altavista, Virginia.

BANK OF THE JAMES

Newspaper:

Federal Register:

* 3A3 Not available

Not available

FA Capital, LLC, Richmond, Virginia, and 

Community Bank Investors of America, L.P., 

Richmond, Virginia, to acquire up to 58.01% of 

the voting securities of Freedom Bank, 

Bradenton, Florida.

COMMUNITY BANK 

INVESTORS OF AMERICA, LP

Newspaper:

Federal Register:

* Branch Not available

Not applicable

The Fauquier Bank, Warrenton, Virginia, 

proposes to establish a branch at 10250 Bristow 

Center Drive, Bristow, Virginia.

FAUQUIER BANK, THE

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Wachovia Bank, National Association, 

Charlotte, North Carolina, requests approval to 

make an additional investment through its Edge 

Act subsidiary, Wachovia International 

Banking Corporation, in Wachovia Real Estate, 

Korea, Inc., Seoul, South Korea.

WACHOVIA BANK, NATIONAL 

ASSOCIATION

* 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 August 30, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 09/30/2008

09/22/2008

Citizens Investors, LLC, Savannah, Georgia, to 

become a bank holding company by acquiring 

at least 51 percent of the outstanding shares of 

First Citizens Bankshares, Inc., and its 

subsidiary, First Citizens Bank, both of 

Glennville, Georgia.

Citizens Investors, LLC

Newspaper:

Federal Register:

CIC Not available

Not available

Prior Change in control notice filed by Paul Ray, 

Max Ray,Carole Ray, and Gina Brumley, all of 

Hackleburg, Alabama, to collectively acquire 

3.20 percent of the outstanding shares of 

Hometown Bancshares, Inc., and its subsidiary 

PeoplesTrust, Bank both of Hamilton, Alabama. 

Pro forma will equal 12.25 percent.

HOMETOWN BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

09/18/2008

Piedmont Bancorp, Inc., Norcross, Georgia, to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of First 

Choice Community Bank 1874, Newnan, 

Georgia.

PIEDMONT BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 09/10/2008

branch located at 3120 Ronald Reagan Blvd., 

Cumming, Georgia to be known as The Avenue 

Forsyth Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 30, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/18/2008

Notice by Joseph E. O'Brien, Peoria, Illinois, to 

acquire control of Marshall-Putnam County 

Bancorporation, Inc., Varna, Illinois, and 

thereby indirectly acquire control of Marshall 

County State Bank, Varna, Illinois.

MARSHALL-PUTNAM COUNTY 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A5 09/20/2008

09/22/2008

SBA Bancorp, Inc., Ashland, Illinois, to merge 

with First Beardstown Bancorp, Inc., 

Beardstown, Illinois, and thereby indirectly 

acquire First State Bank of Beardstown, 

Beardstown, Illinois.

SBA BANCORP, INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 913838 EAST DUBUQUE SVG BK, DUBUQUE, IOWA 02/04/2008 08/11/2008 S Small Bank

 184142 LAPEER CTY B&TC, LAPEER, MICHIGAN 03/17/2008 08/01/2008 S Small Bank

 983448 M&I MARSHALL & ILSLEY BK, MILWAUKEE, WISCONSIN 10/29/2007 08/14/2008 O Large Bank

 651149 STATE BK, SPENCER, IOWA 05/19/2008 08/18/2008 S Small Bank

 2693264 TOWN BK, HARTLAND, WISCONSIN 04/14/2008 08/22/2008 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 30, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

First State Bank, Conway, Arkansas, to merge 10/01/2008

with Marine Bank, Marathon, Florida, and to 

retain the acquired facilities as branch offices.

FIRST STATE BANK

Newspaper:

Federal Register:

* 3A1 09/18/2008

09/22/2008

Springfield Bancshares, Inc., Springfield, 

Missouri, to become a bank holding company 

by acquiring 100 percent of Springfield First 

Community Bank, Springfield, Missouri (in 

organization).

SPRINGFIELD BANCSHARES, 

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

 2975269 BANK OF EVANSVILLE, EVANSVILLE, INDIANA 04/28/2008 08/08/2008 S Small Bank

 524757 FARMERS BK, PARSONS, TENNESSEE 05/05/2008 08/04/2008 S Small Bank

 3395293 TRIUMPH BK, MEMPHIS, TENNESSEE 06/02/2008 08/13/2008 S Small Bank

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 August 30, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Dacotah Bank, Aberdeen, South Dakota, to 09/01/2008

establish a branch located on 1441 6th Street, 

Brookings, South Dakota.

DACOTAH BANK

* 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

 356752 CITIZENS ST BK OF ONTONAGON, ONTONAGON, MICHIGAN 05/13/2008 08/26/2008 S Small Bank

 988658 FARMERS ST BK OF MADELIA, MADELIA, MINNESOTA 03/17/2008 08/13/2008 O Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 30, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/18/2008

Notice submitted by the Barbara Dean Flaming 

Trust and Brenda Jean Flaming Salinas, trustee; 

the Brenda Jean Flaming Trust and Barbara 

Dean Flaming Waite, trustee; the Michael Todd 

Flaming Trust and Brenda Jean Flaming Salinas, 

trustee; and the Flaming Children 2008 

Irrevocable Trust and Gerald R. Chelgren, 

trustee; all of Cherokee, Oklahoma, part of a 

group acting in concert, to acquire/retain 

control of Alfalfa County Bancshares, Inc., 

parent of ACB Bank, both in Cherokee, 

Oklahoma.

ALFALFA COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 09/10/2008

09/22/2008

Everest Bancshares, Inc, Everest, Kansas, to 

acquire 100 percent of the voting shares of 

Gower Bancshares, Inc., parent of Bank of 

Gower, both in Gower, Missouri.

EVEREST BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 08/26/2008

09/12/2008

The Schifferdecker Limited Partnership, Girard, 

Kansas; Mark W. Schifferdecker, Girard, 

Kansas, in an individual capacity and as 

managing general partner; Susan B. Friesen, 

Omaha, Nebraska, Joy L. Shoop, Hiawatha, 

Kansas, in an individual capacity and as general 

partners; and John Schifferdecker, Girard, 

Kansas, all as part of the family group acting in 

concert, to acquire control of GN Bankshares, 

Inc., parent of The Girard National Bank, both in 

Girard, Kansas. In addition, the Neihart Limited 

Partnership, Kansas City, Missouri; and David 

Neihart, Prairie Village, Kansas, and Robert 

Neihart, Overland Park, Kansas, in an individual 

capacity and as general partners; to become 

part of the family group acting in concert to 

control GN Bankshares, Inc., parent of The 

Girard National Bank, Girard, Kansas.

GN BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

09/12/2008

Notice submitted by O. Gene Bicknell, 

Englewood, Florida, as an individual and as part 

of the Bicknell Family Group; Martin C. Bicknell, 

Bucyrus, Kansas, as an individual and as part of 

the Bicknell Family Group; and Cherona L. 

Bicknell, Bucyrus, Kansas, as part of the 

Bicknell Family Group; to retain control of Team 

Financial, Inc., parent of TeamBank, N.A., both 

in Paola, Kansas.

TEAM FINANCIAL, INC.

Newspaper:

Federal Register:

CIC Not available

09/09/2008

Notice submitted by Steven J. Buchanan, 

Omaha, Nebraska, as a member of Wilber Co. 

Voting Trust, to retain control of Wilber Co., 

both of Wilber, Nebraska, parent of First State 

Bank, Lincoln, Nebraska.

WILBER CO.

* 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

 524953 FIRST PRYORITY BK, PRYOR, OKLAHOMA 05/05/2008 08/11/2008 S Small Bank

 666657 GUARANTY B&TC, DENVER, COLORADO 03/10/2008 07/31/2008 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 30, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Bank of the West, El Paso, Texas, to establish a 

branch to be located at 425 Redd Road, El Paso, 

Texas 79912.

BANK OF THE WEST

Newspaper:

Federal Register:

CIC Not available

09/02/2008

Notice by Mr. Michael Scott Anderson, Dallas, 

Texas, to own an interest in FVNB Corp., 

Victoria, Texas, and indirectly acquire First 

Victoria National Bank, Victoria, Texas.

FVNB CORP.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Southwest Bank, Fort Worth, Texas, to 

establish a branch at 3707 Camp Bowie, Fort 

Worth, Texas 76107.

SOUTHWEST 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 August 30, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/17/2008

Notice by Murray Pasternack, San Clemente, 

California, to increase his ownership up to 24.9 

percent of Capital Bank, San Juan Capistrano, 

California.

CAPITAL BANK

Newspaper:

Federal Register:

* 3A1

4c8

09/11/2008

09/17/2008

SCJ, Inc., CCF, Inc. (dba Carpenter & Company), 

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. 

Additionally, SCJ, Inc., and CCFW, Inc., to 

engage in permissible nonbanking activities, 

pursuant to sections 225.28(b)(3), (b)(6), (b)(7) 

and (b)(9) of Regulation Y.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

CIC Not available

08/25/2008

Notice by Russell Goldsmith, individually, and 

as part of a family group, including the Bram & 

Elaine Goldsmith Family Trust, the Elaine 

Goldsmith Revocable Trust, the Bruce Leigh 

Goldsmith Revocable Trust, the Goldsmith 

Family Partnership, the Goldsmith Family 

Foundation, and other related family trusts, 

partnerships, and foundations, to retain control 

and to acquire additional shares of City National 

Corporation, and thereby indirectly its 

subsidiary, City National Bank, both of Beverly 

Hills, California.

CITY NATIONAL 

CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

09/12/2008

NHB Holdings, Inc., and Proficio Mortgage 

Ventures, LLC, to engage de novo in a joint 

venture with Mainsail Capital and Trinity 

Venture Partners, all of Jacksonville, Florida, in 

conducting mortgage banking activities, 

pursuant to section 4(c)(8) of the Bank Holding 

Company Act and section 225.25(b)(1) of 

Regulation Y.

NHB 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