Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 5 

Week Ending January 31, 2009

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

Term Auction Facility -- TAF auction in the amount of $150 billion in 84-day credit 

on January 26, 2009.

- Announced, January 26, 2009

Regulations and Policies

Bank of America Corporation, Charlotte, North Carolina -- report to Congress, 

required by the Emergency Economic Stabilization Act, regarding authorization to 

provide residual financing to Bank of America Corporation relating to a designated 

asset pool.

- Approved, January 22, 2009

(A/C)

Liquidity Facility Exemptions -- limited exemptions from sections 23A and 23B of 

the Federal Reserve Act, Regulation W, and the leverage and risk-based capital rules 

for purchases of asset-backed commercial paper in connection with the Asset-Backed 

Commercial Paper Money Market Mutual Fund Liquidity Facility (AMLF), subject 

to safety-and-soundness conditions.

- Approved, January 27, 2009

Regulation D (Reserve Requirements of Depository Institutions) -- publication for 

comment of amendments authorizing the establishment of limited-purpose accounts, 

known as "excess balance accounts," at Federal Reserve Banks.

- Approved, January 25, 2009

Regulation W (Transactions Between Member Banks and Their Affiliates) -- 

exemption until October 30, 2009 (unless extended by the Board), from section 23A 

of the Federal Reserve Act to allow all insured depository institutions to provide 

liquidity to their affiliates for assets typically funded in the tri-party repurchase 

agreement market, subject to safety-and-soundness conditions.

- Approved, January 27, 2009

H.2 Board Actions January 25, 2009 to January 31, 2009

(A/C) = Addition or Correction Board - Page 1 of 2
Reserve Bank Operations

Federal Reserve Bank of New York -- appointment of William C. Dudley as 

president, effective January 27, 2009.

- Approved, January 26, 2009

Reserve Bank Directors -- appointment of chairmen and deputy chairmen of the 

twelve Federal Reserve Banks for 2009.

- Announced, January 27, 2009

Enforcement

America West Bank Members, L.C., Layton, Utah -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, January 28, 2009

New Frontier Bancorp, Greeley, Colorado -- written agreement with the Federal 

Reserve Bank of Kansas City.

- Announced, January 30, 2009

Northpointe Bancshares, Inc., Grand Rapids, Michigan -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, January 27, 2009

H.2 Board Actions January 25, 2009 to January 31, 2009

(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 Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

January 25, 2009 to January 31, 2009

Bank Branches, Domestic

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

4725 Southwest Cary Parkway, Cary.

Richmond

- Approved, January 30, 2009

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 10245 Old Georgetown Road, Bethesda, Maryland.

New York

- Approved, January 28, 2009

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 6653 Jog Road, Boca 

Raton, Florida.

Secretary

- Approved, January 29, 2009

Bank Holding Companies

Big Country Bancshares, Inc., Abilene, Texas -- to become a bank holding company 

and to acquire Citizens Bank, N.A., Abilene.

Secretary

- Approved, January 27, 2009

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Holding Companies

Castle Creek Capital Partners III LP, Rancho Santa Fe, California; Castle Creek 

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

Advisory Corp. -- to acquire shares of Guaranty Bancorp, Denver, Colorado, and 

thereby acquire Guaranty Bank and Trust Company.

San Francisco

- Approved, January 26, 2009

Flint Community Bancshares, Inc., Albany, Georgia -- relief from a commitment.

Atlanta

- Withdrawn, January 26, 2009

Franklin Resources, Inc., San Mateo, California -- to acquire shares of AB&T 

Financial Corporation, Gastonia, North Carolina, and thereby acquire Alliance Bank 

& Trust Company.

San Francisco

- Approved, January 30, 2009

Hebbronville Regional Bancshares, Inc., Hebbronville, Texas -- to become a bank 

holding company and to acquire The First National Bank of Hebbronville, 

Hebbronville.

Dallas

- Approved, January 30, 2009

Heritage Bancorp, Inc., Mason, Tennessee -- to acquire shares of Mason Bancorp, 

Inc., Mason, and thereby acquire The Bank of Mason.

St. Louis

- Approved, January 28, 2009

H.2 Actions under delegated authority January 25, 2009 to January 31, 2009

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Holding Companies

High Country Bancorp, Inc., Salida, Colorado -- to become a bank holding company 

and to acquire High Country Bank, Salida.

Kansas City

- Approved, January 26, 2009

Security Bancorp, Inc., McMinnville, Tennessee -- to become a bank holding 

company and to acquire Security Federal Savings Bank of McMinnville, 

McMinnville, on its conversion to a state-chartered bank.

Atlanta

- Approved, January 26, 2009

Bank Mergers

Bank of Essex, Tappahannock, Virginia -- to acquire certain assets and assume 

certain liabilities of Suburban Federal Savings Bank, Crofton, Maryland.

Richmond

- Approved, January 30, 2009

Change in Bank Control

Sandquist Corp., Deer Lodge, Montana -- change in bank control of Sandquist and its 

subsidiary bank, Peoples Bank of Deer Lodge, Deer Lodge.

Minneapolis

- Permitted, January 30, 2009

H.2 Actions under delegated authority January 25, 2009 to January 31, 2009

(A/C) = Addition or Correction Delegated - 3 of 5
Extensions of Time

Alamerica BancCorp, Inc., Birmingham, Alabama -- extension to April 28, 2009, of 

change in bank control of Alamerica and its subsidiary bank, Alamerica Bank, 

Birmingham.

Atlanta

- Granted, January 28, 2009

Campello Bancorp, Brockton, Massachusetts -- extension to April 30, 2009, to 

acquire The Community Bank, A Massachusetts Co-operative Bank, Brockton, in 

connection with Campello's conversion from mutual to stock form.

Boston

- Granted, January 26, 2009

Community Bancshares of Mississippi, Inc. Employee Stock Ownership Plan, 

Brandon, Mississippi -- extension to May 13, 2009, to acquire additional shares of 

Community Bancshares of Mississippi, Inc., Brandon, and thereby acquire 

Community Bank of North Mississippi, Amory; Community Bank of Mississippi, 

Forest; Community Bank, Ellisville, Ellisville; Community Bank Coast, Biloxi; 

Community Bank, N.A., Memphis, Tennessee; Community Holding Company of 

Alabama, Brandon, Mississippi; and Community Bank, N.A., Mobile, Alabama.

Atlanta

- Granted, January 26, 2009

Minier Financial, Inc. Employee Stock Ownership Plan w/401(k) Provisions, Minier, 

Illinois -- extension to April 28, 2009, to increase its ownership of Minier Financial, 

Inc., Minier, and thereby increase its indirect ownership of First Farmers State Bank.

Chicago

- Granted, January 26, 2009

H.2 Actions under delegated authority January 25, 2009 to January 31, 2009

(A/C) = Addition or Correction Delegated - 4 of 5
Extensions of Time

Regent Bancorp, Inc., Davie, Florida -- extension to May 19, 2009, to acquire Regent 

Bank (in organization), Greenville, South Carolina, and thereby engage in operating a 

savings association.

Atlanta

- Granted, January 28, 2009

Financial Holding Companies 

HSH Nordbank AG, Hamburg/Kiel, Germany -- election to be treated as a financial 

holding company.

Director, BS&R

- Effective, January 27, 2009

H.2 Actions under delegated authority January 25, 2009 to January 31, 2009

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending January 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 02/20/2009

Application by Independent Bank Corp., 

Rockland, MA to merge with Benjamin Franklin 

Bancorp, Inc.,and thereby acquire its subsidiary 

bank Benjamin Franklin Bank, both of Franklin, 

MA pursuant to sections 3(a)(3)/3(a)(5) of the 

BHC Act.

INDEPENDENT BANK CORP.

* 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 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of Nova Scotia, Toronto, Canada, to 

establish an agency in Miami, Florida, pursuant 

to Section 5(a)(3) of the International Banking 

Act and Section 211.24(a)(2)(i)(A) of Regulation 

K.

BANK OF NOVA SCOTIA, THE

Newspaper:

Federal Register:

* 3A3 02/23/2009

02/27/2009

Deutsche Bank AG, Frankfurt, Germany, Taunus 

Corporation and Deutsche Bank Trust 

Corporation, both of New York, New York, to 

acquire Deutsche Bank Trust Company, 

National Association, New York, New York as a 

full service national bank as part of an internal 

reorganization.

DEUTSCHE BANK 

AKTIENGESELLSCHAFT

Newspaper:

Federal Register:

* 4c8 Not available

02/27/2009

Investors Bancorp, MHC and Investors 

Bancorp, Inc., both of Short Hills, New Jersey to 

acquire American Bancorp of New Jersey, and 

its wholly-owned subsidiary, American Bank of 

New Jersey, both of Bloomfield, New Jersey , 

pursuant to Section 4(c)(8) of the BHC Act and 

Section 225.24 of Regulation Y.

INVESTORS BANCORP, MHC

Newspaper:

Federal Register:

* 3A3

* 3A5

* 18C

02/03/2009

02/26/2009

Allied Irish Banks, p.l.c., Dublin, Ireland, M&T 

Bank Corporation ("M&T"), and M&T's 

newly-formed subsidiary, First Empire State 

Holding Company ("First Empire"), both of 

Buffalo, New York, request prior approval of the 

Board of Governors of the Federal Reserve 

System (the "Board") to acquire Provident 

Bankshares Corporation ("Provident"), 

Baltimore, Maryland, and to merge Provident 

with and into First Empire and thereby to 

acquire Provident's wholly owned bank, 

Provident Bank of Maryland, ("Provident 

Bank"), Baltimore, Maryland pursuant to 

Sections 3(a)(3) and 3(a)(5) of the Bank Holding 

Company Act of 1956 , as amended (the "BHC 

Act") and Section 225.15 of the Board's 

Regulation Y. Additionally, M&T requests 

prior approval to merge Provident Bank, with 

and into its subsidiary bank, Manufacturers and 

Traders Trust Company ("M&T Bank"), 

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

the Federal Deposit Insurance Act, and to retain 

the current branch locations of Provident Bank 

pursuant to Section 9 of the Federal Reserve 

Act.

M&T BANK CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 02/08/2009

Buffalo, New York, to establish a branch to be 

located at 1452 Buck Road, Northampton 

Township, Bucks County, Pennsylvania. 

(Holland branch-RSSD 3882775)

MANUFACTURERS AND 

TRADERS TRUST COMPANY

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Filings received during the week ending January 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

02/23/2009

Max Bancorp, LLC, New York, New York, to 

become a one-bank holding company by 

acquiring majority of the voting shares of 

Allegiance Community Bank, South Orange, 

New Jersey, pursuant to Section 3(a)(1) of BHC 

Act and Section 225.15 of Regulation Y.

MAX BANCORP, LLC

Newspaper:

Federal Register:

FBSEA

Not applicable

Standard Chartered Bank, London, United 02/15/2009

Kingdom to establish a representative office in 

Houston, Texas.

STANDARD CHARTERED BANK

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending January 31, 2009

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 January 31, 2009

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 the following persons acting in concert: 

Earl F. Croushorn,II, Rayburn Doss, Mark David 

Goss, Vesper Singleton, Phillip M. Smith, U. 

Wayne Greene, Richard L. Fox, D. Steve 

Tolliver, Donald G. Parsons, Frederick M. 

Busroe,Jr., Gary W. Cupp, James A. Emrich, 

Julie E. Fredrick, and James E.F. Croushorn (also 

individually)to retain and acquire 25% or more 

of the outstanding voting shares of Banco 

Harlan, Inc., Harlan, KY

BANCO HARLAN, 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 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 02/20/2009

02/20/2009

Live Oak Bancshares, Inc., Wilmington, North 

Carolina, to become a bank holding company 

through the acquisition of 100% of the voting 

securities of Live Oak Banking Company, 

Wilmington, North Carolina.

Live Oak Bancshares, Inc.

Newspaper:

Federal Register:

* Branch

Not applicable

TruPoint Bank, Grundy, Virginia, proposes to 02/13/2009

establish a branch at 600 East Main Street, 

Abingdon, Virginia.

TRUPOINT BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 1434826 BANKANNAPOLIS, ANNAPOLIS, MARYLAND 08/18/2008 11/17/2008 S Int Sm Bank

 991621 CITIZENS B&TC, BLACKSTONE, VIRGINIA 10/06/2008 01/20/2009 S Large Bank

 697978 COMMUNITY BK OF TRI-CTY, WALDORF, MARYLAND 04/21/2008 01/01/2009 S Large Bank

 790721 EVB, TAPPAHANNOCK, VIRGINIA 08/25/2008 12/11/2008 S Large Bank

 417626 PUTNAM CTY BK, HURRICANE, WEST VIRGINIA 10/06/2008 01/06/2008 S Int Sm Bank

 1494240 RBC BK USA, RALEIGH, NORTH CAROLINA 04/21/2008 12/31/2008 S Large Bank

 506922 SANDY SPRING BK, OLNEY, MARYLAND 08/04/2008 01/18/2009 S Large Bank

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 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 02/01/2009

01/30/2009

After-the-fact change in control notice filed by 

Marshall Truman Reynolds and Douglas 

Vernon Reynolds, both of Huntington, West 

Virginia, Samuel George Kapourales, 

Williamson, West Virginia, and Todd R. Fry, 

Barboursville, West Virginia, to collectively 

retain 6.64 percent of the outstanding shares of 

American Gateway Financial Corporation, Port 

Allen, Louisiana, and its subsidiary, American 

Gateway Bank, Baton Rouge, Louisiana. Total 

pro forma ownership is 16.57 percent.

AMERICAN GATEWAY 

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Citizens Trust Bank, Atlanta, Georgia, to acquire 03/03/2009

a branch of The Peoples Bank, Lithonia, 

Georgia.

CITIZENS TRUST 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

 3415463 COMMERCE UNION BK, SPRINGFIELD, TENNESSEE 09/15/2008 12/22/2008 S Int Sm Bank

 3402575 RELIANT BK, BRENTWOOD, TENNESSEE 07/28/2008 01/18/2009 S Small Bank

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 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

4c8 Not available

GMAC LLC, Detroit, Michigan, to retain 21.5 

percent of the voting shares of Capmark 

Financial Group, Inc., Horsham, Pennsylvania, 

and thereby indirectly retain control of Capmark 

Bank, Midvale, Utah and Escrow Bank USA, 

Midvale, Utah, and thereby to operate an 

industrial bank.

GMAC LLC

Newspaper:

Federal Register:

* Branch

Not applicable

Johnson Bank, Racine, Wisconsin, to establish 01/23/2009

a branch facility to be located at 580 Broad 

Street, Lake Geneva, Wisconsin.

JOHNSON BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Rolling Hills Bank & Trust, Atlantic, Iowa, to 

merge with The First National Bank of Brewster, 

Brewster, Minnesota, and thereby to establish 

branches at 224 Tenth Street, Brewster, 

Minnesota and 229 Tenth Street, Worthington, 

Minnesota.

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

 324340 CHOICEONE BK, SPARTA, MICHIGAN 09/29/2008 01/19/2009 S Int Sm Bank

 2339795 LIBERTYVILLE B&TC, LIBERTYVILLE, ILLINOIS 09/22/2009 01/26/2009 S Large Bank

 2533119 NORTHSIDE CMNTY BK, GURNEE, ILLINOIS 09/22/2008 01/15/2009 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 January 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/15/2009

02/27/2009

Cabool State Bank Employee Stock Ownership 

Plan, Cabool, Missouri, to increase its 

ownership from 30.99 percent up to 32.02 

percent of the outstanding voting shares of 

Cabool Bancshares, Inc., Cabool, Missouri, and 

thereby increase its indirect control of Cabool 

State Bank, Cabool, Missouri.

CABOOL STATE BANK 

EMPLOYEE STOCK OWNERSHIP 

PLAN

* 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

 486248 FAYETTE COUNTY BK, SAINT ELMO, ILLINOIS 10/20/2008 01/16/2009 S Small Bank

 630041 FIRST ST BK OF DONGOLA, DONGOLA, ILLINOIS 09/08/2008 12/25/2008 S Small Bank

 2907484 TWIN CITY BK, NORTH LITTLE ROCK, ARKANSAS 09/22/2008 12/26/2008 S Int Sm 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 January 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

02/20/2009

Lake Shore Wisconsin Corporation, Sheboygan, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of Hiawatha 

Bancshares, Inc., Hager City, Wisconsin, and 

thereby indirectly acquire Hiawatha National 

Bank, Hager City, Wisconsin.

LAKE SHORE WISCONSIN 

CORPORATION

* 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 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 02/10/2009

02/09/2009

Notice by Matthew A. Michaelis, New York, 

New York, and Amy L. Madsen, Wichita, 

Kansas, as proposed co-trustees of the M. D. 

Michaelis Trust F, the Paula Sue Michaelis 

Trust F, the Matthew Michaelis Trust F, the 

Amy Loflin Trust F, and the Laura Haunschild 

Trust F, all dated October 27, 2003, Wichita, 

Kansas, to acquire control of Emprise Financial 

Corporation, parent of Emprise Bank, both in 

Wichita, Kansas, through the acquisition of 

voting shares.

EMPRISE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Hulett Bancorp, to become a bank holding 

company through the acquisition of 100 percent 

of the voting shares of Summit National Bank, 

both in Hulett, Wyoming.

HULETT BANCORP

* 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

 132853 COLORADO CMNTY BK, YUMA, COLORADO 10/06/2008 01/09/2009 S Int Sm Bank

 462756 FIRST AMER BK, PURCELL, OKLAHOMA 10/20/2008 01/27/2009 S Int Sm Bank

 563756 FIRST ST BK, WHEATLAND, WYOMING 09/15/2008 12/10/2008 S Small 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 January 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Bandera First State Bancshares, Inc., Bandera, 

Texas, to become a bank holding company by 

acquiring 100 percent of Bandera First State 

Bank, Bandera, Texas (de novo).

BANDERA FIRST STATE 

BANCSHARES, INC.

* 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

 645465 SECURITY BK, RALLS, TEXAS 07/14/2008 11/03/2008 S Small Bank

 371362 WELLINGTON ST BK, WELLINGTON, TEXAS 06/02/2008 12/29/2008 S Small Bank

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 31, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Nara Bank, Los Angeles, California, to establish 02/06/2009

a branch office at 1741-A Route 27, Edison, New 

Jersey.

NARA BANK

Newspaper:

Federal Register:

CIC Not available

02/04/2009

Notice by Dorothy Margaret Daly, Oak Brook, 

Illinois, individually and as executor of the 

estate of Denis J. Daly, Sr., or trustee of various 

trusts, to retain 45.6 percent of Trans Pacific 

Bancorp, Inc., and indirectly its subsidiary, 

Trans Pacific National Bank, both of San 

Francisco, California.

TRANS PACIFIC BANCORP

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Wachovia International Banking Corporation, 

Charlotte, North Carolina, to make an 

investment of $15 million in an indirect 

subsidiary, Congress Financial Capital 

Company, Halifax, Nova Scotia, Canada, 

pursuant to section 211.9(f) of Regulation K.

WACHOVIA INTERNATIONAL 

BANKING 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

 2319676 COMMUNITY BK OF NV, LAS VEGAS, NEVADA 09/29/2008 01/22/2009 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act