Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 45 

Week Ending November 10, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony And Statements

Availability of Credit to Small Businesses -- statement by Governor Frederic S. 

Mishkin before the House Committee on Small Business on November 7, 2007.

- Reviewed, November 5, 2007

Economic Outlook -- statement by Chairman Bernanke before the Joint Economic 

Committee of the U.S. Congress on November 8, 2007.

- Published, November 8, 2007

Bank Holding Companies

Allied Irish Banks, p.l.c., Dublin, Ireland, and M&T Bank Corporation, Buffalo, New 

York -- to acquire Partners Trust Financial Group, Inc., Utica, New York, and its 

banking and nonbanking subsidiaries, including Partners Trust Bank and Partners 

Trust Municipal Bank.

- Approved, November 5, 2007

Midwest Regional Bancorp, Inc., Festus, Missouri -- to become a bank holding 

company and to acquire Federated Bancshares, Inc., Stilwell, Kansas, and its 

subsidiary, The Bank of Otterville, Otterville, Missouri.

- Approved, November 7, 2007

Banks, Foreign

China Merchants Bank Co., Ltd., Shenzhen, China -- to establish a branch in New 

York, New York.

- Approved, November 7, 2007

H.2 Board Actions November 4, 2007 to November 10, 2007

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

Forms -- final Board review to extend without revision the disclosure requirements 

associated with Regulation V, which implements the Fair Credit Reporting Act.

- Approved, November 7, 2007

Reserve Bank Operations

Reserve Bank Chairmen and Deputy Chairmen -- appointment of the chairmen and 

deputy chairmen of the twelve Federal Reserve Banks for 2008.

- Announced, November 8, 2007

H.2 Board Actions November 4, 2007 to November 10, 2007

(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

November 4, 2007 to November 10, 2007

Bank Branches, Domestic

EVB, Tappahannock, Virginia -- to establish a branch at 3300 New Kent Highway, 

Quinton.

Richmond

- Approved, November 9, 2007

Bank Holding Companies

3MV Bancorp, Inc., Omaha, Nebraska -- to become a bank holding company and to 

acquire Access Bank, a de novo bank.

Kansas City

- Approved, November 8, 2007

Bruning Bancshares, Inc., Bruning, Nebraska -- to acquire an interest in 3MV 

Bancorp, Inc., Omaha, and its subsidiary, Access Bank, a de novo bank.

Kansas City

- Approved, November 8, 2007

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

Bank, Goodyear, Arizona, a de novo bank; and for Capitol Development Bancorp 

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

shares of Citizens Business Bank.

Chicago

- Approved, November 8, 2007

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

Cornhusker Growth Corporation, Lincoln, Nebraska -- to acquire through its 

subsidiary, Charter Innovations, LLC, the assets of Trejo, Inc., Eagle, and thereby 

engage in data processing activities.

Kansas City

- Approved, November 9, 2007

Danvers Bancorp, Inc., Danvers, Massachusetts -- to acquire Danversbank, in 

connection with the reorganization of Danvers Bancorp from mutual to stock form.

Boston

- Approved, November 9, 2007

FB Bancshares, Inc., Wichita Falls, Texas -- to become a bank holding company and 

to acquire Fidelity Bank.

Dallas

- Approved, November 9, 2007

FC Holdings, Inc., Houston, Texas, and FC Holdings of Delaware, Inc., Wilmington, 

Delaware -- to acquire First Crockett Bancshares, Inc., Crockett, Texas, and thereby 

acquire Crockett Delaware Bancshares, Inc., New Castle, Delaware, and First 

National Bank of Crockett, Crockett.

Dallas

- Approved, November 6, 2007

FGB Holding Company, Jacksonville, Florida -- to become a bank holding company 

and to acquire First Guaranty Bank and Trust Company of Jacksonville.

Atlanta

- Approved, November 9, 2007

H.2 Actions under delegated authority November 4, 2007 to November 10, 2007

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

First BanCapital Fund I, L.P., Bethlehem, Pennsylvania -- to become a bank holding 

company and to acquire shares of Revere Bank, Laurel, Maryland, a de novo bank; to 

retain shares of NCB Holdings, Inc., Chicago, Illinois, and thereby retain an interest 

in New Century Bank; and to engage in private placement, investment advisory, and 

securities brokerage activities.

Richmond

- Approved, November 5, 2007

First Private Holdings, Inc., Dallas, Texas -- to become a bank holding company and 

to acquire First Private Bank of Texas.

Dallas

- Approved, November 9, 2007

Franklin Financial Network, Inc., Franklin, Tennessee -- to become a bank holding 

company and to acquire Franklin Synergy Bank, a de novo bank.

Atlanta

- Approved, November 7, 2007

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

Bank, Minnetonka.

Minneapolis

- Withdrawn, November 8, 2007

H.2 Actions under delegated authority November 4, 2007 to November 10, 2007

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

JLL Associates G. P. FCH, L.L.C., New York, New York -- to become a bank 

holding company and to acquire an interest in FC Holdings, Inc., Houston, Texas, 

and indirectly acquire FC Holdings of Delaware, Inc., Wilmington, Delaware; First 

Community Bank-The Woodlands, National Association, Tomball, Texas; First 

Community Bank Central Texas, N.A., Meridian; First Community Bank Fort Bend, 

N.A., Sugar Land; and First Community Bank San Antonio, N.A., San Antonio.

Dallas

- Approved, November 6, 2007

National City Corporation, Cleveland, Ohio -- waiver of application in connection 

with the conversion of its thrift subsidiary, Mid-America Bank, FSB, Clarendon 

Hills, Illinois, to a national bank, Mid-America Bank, NA.

Cleveland

- Granted, November 5, 2007

Peoples Bancorp, Rock Valley, Iowa -- waiver of application to acquire Hawarden 

Banshares, Inc., Hawarden, in connection with the merger of Farmers State Bank 

with and into Peoples Bank, Rock Valley.

Chicago

- Granted, November 5, 2007

Pinnacle Financial Partners, Inc., Nashville, Tennessee -- to merge with 

Mid-America Bancshares, Inc., and thereby acquire Bank of the South, Mt. Juliet, 

and PrimeTrust Bank, Nashville.

Atlanta

- Approved, November 5, 2007

H.2 Actions under delegated authority November 4, 2007 to November 10, 2007

(A/C) = Addition or Correction Delegated - 4 of 6
Bank Holding Companies

SCBT Financial Corporation, Columbia, South Carolina -- to acquire TSB Financial 

Corporation, Charlotte, North Carolina, and thereby acquire The Scottish Bank, 

Charlotte.

Richmond

- Approved, November 5, 2007

Wesbanco, Inc., Wheeling, West Virginia -- to acquire Oak Hill Financial, Inc., 

Jackson, Ohio.

Cleveland

- Approved, November 9, 2007

Bank Mergers

SolutionsBank, Overland Park, Kansas -- to merge with Worth National Bank, Lake 

Worth, Texas, and thereby establish a branch.

Kansas City

- Approved, November 5, 2007

Banks, Nonmember, And Miscellaneous Institutions

State Street International Holdings, Boston, Massachusetts -- waiver of prior 

notification period to deal in equity securities outside the United States through State 

Street Global Markets International, Limited, London, England.

Director, BS&R

- Granted, November 9, 2007

H.2 Actions under delegated authority November 4, 2007 to November 10, 2007

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

CapitalSouth Bank, Birmingham, Alabama -- extension to December 13, 2007, to 

establish a branch at 53 Hughes Road, Madison.

Atlanta

- Granted, November 7, 2007

Susquehanna Patriot Bank, Marlton, New Jersey -- extension to January 2, 2008, to 

establish a branch at 2nd Avenue, Route 29, Collegeville, Pennsylvania.

Philadelphia

- Granted, November 8, 2007

Financial Holding Companies 

Center Bancorp, Inc., Union, New Jersey -- election to become a financial holding 

company.

New York

- Effective, November 9, 2007

H.2 Actions under delegated authority November 4, 2007 to November 10, 2007

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

Federal Reserve Bank of Boston

Filings received during the week ending November 10, 2007

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 November 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco Espirito Santo de Investimento, S.A., 

Lisbon, Portugal, to establish a branch in New 

York, New York, pursuant to Section 7(d) of the 

International Banking Act.

BANCO ESPIRITO SANTO DE 

INVESTIMENTO, S.A.

Newspaper:

Federal Register:

* 3A3 Not available

12/10/2007

BNP Paribas, Paris, France, to acquire up to 9.9 

percent of the voting shares of Shinhan 

Financial Group Co., Ltd., Seoul, Korea

BNP PARIBAS

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

HSBC Holdings plc, London, United Kingdom, 

to acquire all of the outstanding voting shares 

of KEB USA International Corp. and KEB NY 

Financial Corp., both of New York, New York 

and KEB LA Financial Corp., Los Angeles, 

California, which are nonbanking subsidiaries of 

Korea Exchange Bank, Seoul, Korea, and 

thereby engage indirectly in commercial finance 

and money transmittal.

HSBC HOLDINGS PLC

* 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 November 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending November 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 11/16/2007

a branch at 3389 Plymouth Rd., Ann Arbor, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

PNC Bank, Delaware, Wilmington, DE to 11/09/2007

establish branch at 31227 Americana Parkway, 

Fenwick Island, DE 19944 (Sussex County)

PNC BANK, DELAWARE

* 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 November 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Alliance Bank Corporation, Fairfax, Virginia, 11/16/2007

proposes to establish a branch at 7023 Little 

River Turnpike, Annandale, Virginia.

ALLIANCE BANK 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Cecil Bank, Elkton, Maryland, proposes to 11/30/2007

establish a branch at 4434 Telegraph Road, 

Elkton, Maryland.

CECIL 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

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 November 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/29/2007

12/03/2007

Metro Bancshares, Inc., Douglasville, Georgia, 

to become a bank holding company by 

acquiring 100 percent of the outstanding shares 

of Metro Bank, both of Douglasville, Georgia ( 

in organization).

METRO BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 11/20/2007

branch located at 3521 N. Elm Street, 

Greensboro, North Carolina, to be known as the 

Lake Jeanette Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 11/22/2007

branches in the following locations: 11104 

Bloomingdale Avenue, Riverview, Florida, to be 

known as the Winthrop Office; and 500 N. 

Miramar Avenue, Indiatlantic, Florida, to be 

known as the Indiatlantic 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 November 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

1st Source Bank, South Bend, Indiana, to merge 

with First National Bank of Valparaiso, 

Valparaiso, Indiana, and thereby to establish 17 

branches.

1ST SOURCE BANK

Newspaper:

Federal Register:

* 4c8 11/11/2007

11/05/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VI, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Brookhollow Bank (in 

organization), Irving, Texas, and thereby to 

operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 11/13/2007

11/05/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VI, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Bank of Fort Bend (in 

organization), Sugar Land, Texas, and thereby 

to operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

11/26/2007

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited V, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Adams Dairy Bank (in 

organization), Blue Springs, Missouri, and 

thereby operate a savings association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish 

two branch facilities to be located at 2416 

Central Avenue, Alameda, California, and 1200 

Broadway, Oakland, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank & Trust, Evanston, Illinois, to 11/16/2007

establish a branch facility to be located at 4001 

Dempster Street, Skokie, Illinois.

FIRST BANK & TRUST

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

11/13/2007

IBT Bancorp, Inc., Mt. Pleasant, Michigan, to 

merge with Greenville Community Financial 

Corporation, Greenville, Michigan, and thereby 

indirectly acquire Greenville Community Bank, 

Greenville, Michigan, and the related application 

by Isabella Bank and Trust, Mt. Pleasant, 

Michigan, to merge with Greenville Community 

Bank, Greenville, Michigan, and thereby 

establish two branches.

IBT BANCORP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

12/10/2007

ISB Financial Corp., Iowa City, Iowa, to merge 

with MidWestOne Financial Group, Inc., 

Oskaloosa, Iowa, and thereby indirectly acquire 

MidWestOne Bank, Oskaloosa, Iowa.

ISB FINANCIAL CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 11/12/2007

Wisconsin, to establish a branch facility to be 

located at 501 East Kennedy Boulevard, Tampa, 

Florida.

M&I MARSHALL & ILSLEY 

BANK

* 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 November 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

First Alliance Bancshares, Inc., Cordova, 

Tennessee, to become a bank holding company 

by acquiring 100 percent of First Alliance Bank, 

Cordova, Tennessee.

FIRST ALLIANCE 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by a control group to increase its control 

of Merchants & Planters Bancshares, Inc., 

Toone, Tennessee. The control group consists 

of Nancy C. Wilson, Memphis, Tennessee; 

Charles D. Newell, Jr., Germantown, Tennessee; 

Michael B. Baird, Cordova, Tennessee; Jon A. 

Reeves, Olive Branch, Mississippi; and Peter T. 

Hodo, West Point, Mississippi.

MERCHANTS & PLANTERS 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 11/21/2007

11/27/2007

Notice by the McLane Family Control Group, 

Poplar Bluff, Missouri, to increase its control of 

Midwest Bancorporation, Inc., Poplar Bluff, 

Missouri. The control group consists of Joseph 

T. McLane, Jana McLane Brown, Jerri Ann 

McLane, the Norma McLane Smith Revocable 

Trust ("Trust"), Norma McLane Smith as trustee 

of Trust, and the Midwest Bancorporation, Inc. 

and Affiliates Employee Stock Ownership Plan 

Trust (Joseph T. McLane as trustee), all of 

Poplar Bluff, Missouri.

MIDWEST BANCORPORATION, 

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 November 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

The First National Bank of Blue Earth, Blue 

Earth, Minnesota, to be known as First Bank 

Blue Earth, Blue Earth, Minnesota, proposes to 

become a member of the Federal Reserve 

System.

FIRST NATIONAL BANK OF 

BLUE EARTH, THE

* 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 November 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/21/2007

Notice filed by the 2007 Voting Trust 

Agreement, and its trustees, Albert Charles 

Kelly, Jr. and Peter John Kelly, both of Bristow, 

Oklahoma; Shawn Trevor Kelly, Edmond, 

Oklahoma; Paul Harrison Cornell, Tulsa, 

Oklahoma; and Allison Asbury Kelly, Okemah, 

Oklahoma, all to acquire control of Citizens 

Bankshares, Inc., Okemah, Oklahoma, parent of 

Citizens State Bank, Okemah, Oklahoma.

CITIZENS BANKSHARES, INC.

Newspaper:

Federal Register:

CIC 10/18/2007

10/23/2007

Notice by Jack L. Justice, Pauls Valley, 

Oklahoma, to acquire control of First Lindsay 

Corporation, parent of The First National Bank 

of Lindsay, both in Lindsay, Oklahoma, through 

the acquisition of voting shares.

FIRST LINDSAY CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

Not available

TriCentury Corporation, Overland Park, Kansas, 

to become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Nine Tribes Bancshares, Inc., parent of The 

Bank of Quapaw, both in Quapaw, Oklahoma.

TRICENTURY CORPORATION

* 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 November 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 12/03/2007

11/26/2007

Caldwell Holding Company, Columbia, 

Louisiana, to acquire 100 percent of Citizens 

Progressive Bank, Columbia, Louisiana.

CALDWELL HOLDING 

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

PlainsCapital Bank, Lubbock, Texas, to establish 11/20/2007

a branch to be located at 2900 Olive Street, 

Dallas, Texas 75215.

PLAINSCAPITAL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Southwest Bank, Fort Worth, Texas, to 12/07/2007

establish a branch to be located at 2718 S. Hulen 

Street, Fort Worth, Texas 76109.

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 November 10, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Liberty Bank, South San Francisco, California, 11/17/2007

to establish a branch office at 6222 Highway 9, 

Felton, California.

LIBERTY BANK

Newspaper:

Federal Register:

CIC Not available

11/07/2007

Notice by Juan C.G. Araneta, Fernando G. 

Araneta, Maria M.G. Araneta and Margarita A. 

Holigores, all of Makati City, Philippines, 

Santiago G. Araneta and Marilou G. Joaquin, 

both of Pasig City, Philippines, and Hugo N. 

Bonilla, Newark, California, to retain shares and 

control of MNB Holdings Corporation, and 

thereby indirectly control its subsidiary, 

Mission National Bank, both of San Francisco, 

California.

MNB HOLDINGS CORPORATION

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Nara Bank, Los Angeles, California, to purchase 

the assets and assume the liabilities of the Brick, 

New Jersey, branch of The Provident Bank, 

Jersey City, New Jersey.

NARA BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The Shizuoka Bank, Ltd., Shizuoka, Japan, to 

establish a branch office at 600 Lexington 

Avenue, New York, New York, pursuant to 

section 7(d) of the International Banking Act.

SHIZUOKA BANK, LTD., THE

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Wells Fargo & Company, through a new 

subsidiary of WFC Holdings Corporation, both 

of San Francisco, California, request for 

approval to purchase and sell electricity in the 

spot market and take and make delivery of 

electricity to settle commodity derivatives.

WELLS FARGO & COMPANY

* 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