Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 6 

Week Ending February 9, 2008

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

Royal Bank of Canada, Montreal, Canada, and RBC Centura Banks, Inc., Raleigh, 

North Carolina -- to acquire Alabama National BanCorporation, Birmingham, 

Alabama, and its ten subsidiary banks.

- Approved, February 4, 2008

Regulations And Policies

Regulations D (Reserve Requirements of Depository Institutions) and I (Issue and 

Cancellation of Federal Reserve Bank Capital Stock) -- publication for comment of 

amendments that would permit member banks to pass their required reserve balances 

through a correspondent, simplify transfer limitations on savings deposits, and 

reorganize and update both regulations (Docket No. R-1307).

- Approved, February 5, 2008

Enforcement

Salin Bank and Trust Company, Indianapolis, Indiana -- written agreement with the 

Federal Reserve Bank of Chicago and the Indiana Department of Financial 

Institutions.

- Announced, February 4, 2008

H.2 Board Actions February 3, 2008 to February 9, 2008

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operational and Payment System

IF International Finance

OSDM Office of Staff Director for Management

February 3, 2008 to February 9, 2008

Bank Branches, Domestic

American Bank, Allentown, Pennsylvania -- to establish a branch at 4261 

Freemansburg Avenue, Bethlehem Township.

Philadelphia

- Approved, February 7, 2008

Hanmi Bank, Los Angeles, California -- to establish branches at 22438 Golden 

Springs Drive, Diamond Bar, and 10180 Reseda Boulevard, Northridge.

San Francisco

- Approved, February 6, 2008

Orange County Trust Company, Middletown, New York -- to establish a branch at 91 

Brookside Avenue.

New York

- Approved, February 8, 2008

Providence Bank, Elsberry, Missouri -- to establish a branch at 301 Broadway, and to 

relocate its main office to 2415 Carter Lane, Columbia.

St. Louis

- Approved, February 5, 2008

Reliant Bank, Brentwood, Tennessee -- to establish a branch at 6005 Nolensville 

Pike, Nashville.

Atlanta

- Approved, February 8, 2008

(A/C) = Addition or Correction Delegated - 1 of 7
Bank Branches, Domestic

Sterling Bank, Lantana, Florida -- to establish a branch at 2465 Wilton Manors Drive, 

Wilton Manors.

Atlanta

- Approved, February 8, 2008

Warren Bank, Warren, Michigan -- to establish a branch at 55055 Shelby Road, 

Shelby Township, Macomb County.

Chicago

- Approved, February 7, 2008

Bank Holding Companies

Anita Bancorporation, Atlantic, Iowa -- waiver of application to acquire MetaBank 

West Central, Stuart, in connection with its merger with Anita Bancorporation's 

subsidiary, Rolling Hills Bank & Trust, Atlantic.

Chicago

- Granted, February 8, 2008

Bank of Montreal, Montreal, Canada; Harris Financial Corp., Chicago, Illinois; and 

Harris Bankcorp, Inc. -- to acquire Merchants and Manufacturers Bancorporation, 

Inc., New Berlin, Wisconsin; Merchants Merger Corp., Brookfield; and Merchants 

New Merger Corp., and thereby acquire Lincoln State Bank, Milwaukee; Grafton 

State Bank, Grafton; Community Bank Financial, Oconto Falls; The Reedsburg 

Bank, Reedsburg; Fortress Bank, Westby; Wisconsin State Bank, Random Lake; 

Fortress Bank of Cresco, Cresco, Iowa; and shares of Central Wisconsin Financial 

Services, Inc., Wausau, Wisconsin, and thereby acquire Bank of Wausau.

Chicago

- Approved, February 8, 2008

H.2 Actions under delegated authority February 3, 2008 to February 9, 2008

(A/C) = Addition or Correction Delegated - 2 of 7
Bank Holding Companies

Bank of Montreal, Montreal, Canada; Harris Financial Corp., Chicago, Illinois; and 

Harris Bankcorp, Inc. -- to acquire Ozaukee Bank, Cedarburg, Wisconsin.

Chicago

- Approved, February 8, 2008

Capstone Bancshares, Inc., Tuscaloosa, Alabama -- to become a bank holding 

company and to acquire South Alabama Holding Company, Inc., McIntosh, and its 

subsidiary, Southwest Bank of Alabama.

Atlanta

- Approved, February 4, 2008

Community First Bancshares, Inc., Harrison, Arkansas -- to acquire additional shares 

of White River Bancshares Company, Fayetteville, and thereby acquire Signature 

Bank.

St. Louis

- Approved, February 6, 2008

ENB Financial Corporation, Ephrata, Pennsylvania -- to become a bank holding 

company in connection with a reorganization of Ephrata National Bank.

Philadelphia

- Withdrawn, February 8, 2008

F.N.B. Corporation, Hermitage, Pennsylvania -- waiver of application to acquire 

Omega Financial Corporation, State College, in connection with the merger of their 

subsidiaries, First National Bank of Pennsylvania, Greenville, and Omega Bank, 

State College.

Cleveland

- Granted, February 8, 2008

H.2 Actions under delegated authority February 3, 2008 to February 9, 2008

(A/C) = Addition or Correction Delegated - 3 of 7
Bank Holding Companies

FM Bancorp, Inc., Paxton, Illinois, and Farmers-Merchants National Bank of Paxton 

-- request for an exemption under the Depository Institutions Management Interlocks 

Act and Regulation L.

General Counsel

- Granted, February 5, 2008

NHB Holdings, Inc., Jacksonville, Florida, and Proficio Mortgage Ventures, LLC -- 

to engage de novo in conducting mortgage banking activities through a joint venture 

with TheMIGroup Mortgage Resources, Whippany, New Jersey.

San Francisco

- Approved, February 8, 2008

Southside Bancshares, Incorporated, Tyler, Texas -- to acquire through its subsidiary, 

Southside Bank, an interest in Southside Financial Group, LLC, Arlington, and 

thereby engage in lending activities.

Dallas

- Approved, February 6, 2008

Sterling City Bancshares, Inc. Sterling City, Texas, and The First National Bank of 

Sterling City -- waiver of application to acquire by merger Bronte Bancshares, Inc., 

Bronte; Bronte Bancshares - Delaware, Inc., Wilmington, Delaware; and First 

National Bank in Bronte, Bronte, Texas, in connection with the merger of First 

National Bank in Bronte and The First National Bank of Sterling City, Sterling City.

Dallas

- Granted, February 8, 2008

H.2 Actions under delegated authority February 3, 2008 to February 9, 2008

(A/C) = Addition or Correction Delegated - 4 of 7
Bank Holding Companies

SunTrust Banks, Inc., Atlanta, Georgia -- to acquire GB&T Bancshares, Inc., 

Gainesville, and thereby acquire its subsidiaries, Gainesville Bank & Trust; Mountain 

State Bank, Dawsonville; First National Bank of Gwinnett, Duluth; First National 

Bank of the South, Milledgeville; Home Town Bank of Villa Rica, Villa Rica; 

Community Trust Bank, Hiram; and United Bank & Trust Company, Rockmart.

Secretary

- Approved, February 8, 2008

Western Capital Corporation, Boise, Idaho -- to become a bank holding company and 

to acquire Western Capital Bank (in organization); and for GWY, LLC, Bellevue, 

Washington, to become a bank holding company and to acquire shares of Western 

Capital Bank (in organization), Boise, Idaho.

San Francisco

- Approved, February 7, 2008

Bank Mergers

Rolling Hills Bank & Trust, Atlantic, Iowa -- to merge with MetaBank West Central, 

Stuart, and thereby establish branches at 615 South Division Street; 501 Sherman, 

Menlo; and 101 East Logan, Casey.

Chicago

- Approved, February 8, 2008

Bank Premises

Benchmark Community Bank, Kenbridge, Virginia -- to increase its investment in 

bank premises.

Richmond

- Approved, February 7, 2008

H.2 Actions under delegated authority February 3, 2008 to February 9, 2008

(A/C) = Addition or Correction Delegated - 5 of 7
Banks, Foreign

Universidad Externado de Colombia, Bogota, Colombia, Sociedades Bolivar S.A., 

and Banco Davivienda -- to acquire Bancafe International, Miami, Florida.

Director, BS&R

- Approved, February 4, 2008

Change In Bank Control

Palomar Enterprises, LLC, Long Beach, California -- change in bank control of 

Enterprises and its subsidiary bank, Farmers & Merchants Bank of Long Beach.

San Francisco

- Permitted, February 6, 2008

Republic Trinidad Corporation, Houston, Texas -- to retain control of Corporation 

and its subsidiary bank, First National Bank in Trinidad, Trinidad, Colorado.

Kansas City

- Permitted, February 5, 2008

Extensions Of Time

Castle Creek Capital Partners III, L.P., et al., Rancho Santa Fe, California -- 

extension to May 16, 2008, to acquire shares of Centennial Bank Holdings, Inc., 

Denver, Colorado, and its subsidiary, Guaranty Bank and Trust Company.

San Francisco

- Granted, February 7, 2008

H.2 Actions under delegated authority February 3, 2008 to February 9, 2008

(A/C) = Addition or Correction Delegated - 6 of 7
Extensions Of Time

Castle Creek Capital Partners III, LP, et al., Rancho Santa Fe, California -- extension 

to May 26, 2008, to increase their interest in Atlanta Bancorporation, Atlanta, 

Georgia, and its subsidiary, Bank of Atlanta FSB, and thereby indirectly operate a 

savings association.

San Francisco

- Granted, February 7, 2008

Membership

Morton Community Bank, Morton, Illinois -- to become a member of the Federal 

Reserve System.

Chicago

- Approved, February 8, 2008

H.2 Actions under delegated authority February 3, 2008 to February 9, 2008

(A/C) = Addition or Correction Delegated - 7 of 7
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending February 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending February 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Peapack-Gladstone Bank, Gladstone, New 02/14/2008

Jersey, to establish branches to be located at 

531 Route 22 East, Whitehouse Station, 

Hunterdon County, New Jersey (RSSD# 

3693074) and 1038 Stelton Road, Piscataway, 

Middlesex County, New Jersey (RSSD# 

3693038).

PEAPACK-GLADSTONE 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 February 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Susquehanna Bank PA, Lititz, PA to establish a 02/17/2008

branch office located at 4185 West Market 

Street, York, PA.

SUSQUEHANNA BANK PA

* 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 February 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Thid Bank, Grand Rapids, MI to establish a 

branch at the southeast corner of State Route 54 

and Grand Boulevard, New Port Richey, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

Other Foreign Not applicable

Investment Not applicable

Application by The Huntington National Bank, 

Columbus, Ohio, to form an agreement 

corporation subsidiary, Creditron Canada 

Holding Corp., Columbus, Ohio, and retain an 

80% ownership interest in Creditron Canada, 

Inc., Mississauga, Ontario, Canada

HUNTINGTON NATIONAL 

BANK, THE

Newspaper:

Federal Register:

* 3A5 02/25/2008

02/22/2008

Premier Financial Bancorp Huntington, West 

Virginia to acquire 100 percent of Traders 

Bankshares, Inc., Spencer West Virginia, and 

thereby indirectly acquire Traders Bank, 

Spencer, West Virginia

PREMIER FINANCIAL 

BANCORP, INC.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending February 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Citizens Bank and Trust Company, Blackstone, 

Virginia, to increase its investment in bank 

premises in the amount of $207,500.

CITIZENS BANK AND TRUST 

COMPANY

Newspaper:

Federal Register:

* 18C Not available

Not applicable

RBC Centura Bank, Raleigh, North Carolina, to 

merge with Alabama Exchange Bank, Tuskegee, 

Alabama; Community Bank of Naples, National 

Association, Naples, Florida; The Peachtree 

Bank, Duluth, Georgia; Florida Choice Bank, 

Mount Dora, Florida; Indian River National 

Bank, Vero Beach, Florida; First American Bank, 

Birmingham, Alabama; Georgia State Bank, 

Mableton, Georgia; CypressCoQuina Bank, 

Ormond Beach, Florida; Millennium Bank, 

Gainesville, Florida; and First Gulf Bank, 

National Association, Pensacola, Florida.

RBC CENTURA 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 February 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caixa de Aforros de Vigo, Ourense e 

Pontevedra, Vigo, Spain, to establish 

international bank branches in New York, New 

York, Chicago, Illinois, Los Angeles, California, 

and Houston, Texas.

CAIXA DE AFORROS DE VIGO, 

OURENSE E PONTEVEDRA

Newspaper:

Federal Register:

* 4c8

Not available

First NBC Bank Holding Company, New 03/09/2008

Orleans, Louisiana, to acquire through merger, 

Dryades Bancorp, Inc., and its subsidiary, 

Dryades Savings Bank, F.S.B., both of New 

Orleans, Louisiana, and thereby engage in 

operating a savings association.

FIRST NBC BANK HOLDING 

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

SmartBank, Pigeon Forge, Tennessee, to 02/19/2008

establish a branch located at 570 East Parkway, 

Gatlinburg, Tennessee.

SMARTBANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 02/20/2008

branch located at 100 M Street, S.W., 

Washington, D.C., to be known as the 100 M 

Street 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 February 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Bancorp of New Glarus, Inc., New Glarus, 

Wisconsin, to acquire 100 percent of the voting 

shares of Bank of Juda, Juda, Wisconsin.

BANCORP OF NEW GLARUS, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Byron Bank, Byron Center, Michigan, to 02/16/2008

establish a branch facility to be located at 4024 

Park East Court, Kentwood, Michigan.

BYRON BANK

Newspaper:

Federal Register:

* 3A3 Not available

02/11/2008

Heartland Financial USA, Inc., Dubuque, Iowa, 

to acquire at least 80 percent of Minnesota Bank 

& Trust (in organization), Edina, Minnesota.

HEARTLAND FINANCIAL USA, 

INC.

Newspaper:

Federal Register:

* 3A3 02/04/2008

02/06/2008

Luana Bancorporation, Luana, Iowa, to acquire 

100 percent of First State Bank Iowa, New 

Hampton, Iowa.

LUANA BANCORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

02/25/2008

NRBC Holding Corporation, Chicago, Illinois, to 

become a bank holding company by acquiring 

100 percent of the voting shares of The National 

Republic Bank of Chicago, Chicago, Illinois.

NRBC HOLDING CORPORATION

Newspaper:

Federal Register:

* 3A3 02/27/2008

03/03/2008

West Suburban Bancorp, Lombard, Illinois, to 

acquire 100 percent of the voting shares of G.R. 

Bancorp, Ltd., Grand Ridge, Illinois, and thereby 

indirectly acquire The First National Bank of 

Grand Ridge, Grand Ridge, Illinois.

WEST SUBURBAN 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

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 February 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 03/07/2008

03/07/2008

DKB Bancshares, Inc., Birch Tree, Missouri, to 

become a bank holding company by acquiring 

100 percent of Bank of Birch Tree, Birch Tree, 

Missouri.

DKB 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

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 February 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/13/2008

Notice by Lawrence W. Jochim Revocable 

Trust, Lawrence W. Jochim as trustee and 

individually, Bigfork, Montana; Cindy Jochim 

and Richard Jochim, both of Bigfork, Montana; 

Todd Jochim, Lakeside, Montana; Lesley 

Jungers, Seeley Lake, Montana; Karla Langlois, 

Missoula, Montana; and Marcus Jochim and 

Beverly Jochim, both of Inverness, Montana, 

acting as a group in concert, to gain control of 

Flathead Holding Company of Bigfork, 

Montana, and thereby indirectly gain control of 

Flathead Bank of Bigfork, Bigfork, Montana. In 

addition, notice by Gib S. Nichols Living Trust 

and Sarah E. Nichols Living Trust, Gib Nichols 

and Sarah Nichols as trustees of each trust and 

individually, Vancouver, Washington; James 

Brendan Nichols, West Linn, Oregon; Shaun 

Nichols, Tuscon, Arizona; Norris D. Nichols, 

Helena, Montana, Karyl Arndt, Aurora, 

Colorado; and Roseanne Heser, Mahtomedi, 

Minnesota, acting as a group in concert, to gain 

control of Flathead Holding Company of 

Bigfork, Bigfork, Montana, and thereby 

indirectly gain control of Flathead Bank of 

Bigfork, Bigfork, Montana.

FLATHEAD HOLDING 

COMPANY OF BIGFORK

Newspaper:

Federal Register:

* 3A1 Not available

03/04/2008

Mills Financial Services, Inc., Brainerd, 

Minnesota, to become a bank holding company 

by acquiring 100 percent of First Security Bank - 

Sanborn, Sanborn, Minnesota.

MILLS FINANCIAL SERVICES 

INC.

Newspaper:

Federal Register:

* 3A1 02/09/2008

02/01/2008

United Citizens 401(K) Savings Plan, Osseo, 

Wisconsin, to become a bank holding company 

by acquiring up to 56 percent of the Class A 

common stock of United Bancorporation, 

Osseo, Wisconsin, and thereby indirectly 

acquire United Bank, Osseo, Wisconsin; 

Cambridge State Bank, Cambridge, Wisconsin; 

Lincoln Community Bank, Merrill, Wisconsin; 

Bank of Poynette, Poynette, Wisconsin; Clark 

County State Bank, Osceola, Iowa; Farmers 

State Bank, Stickney, South Dakota; and 

Farmers & Merchants State Bank, Iroquois, 

South Dakota.

UNITED CITIZENS 401(K) 

SAVINGS PLAN

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending February 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

AmeriState Bank, Atoka, Oklahoma, to increase 

its investment in bank premises in the amount of 

$850,000.

AMERISTATE BANK

Newspaper:

Federal Register:

* 3A1 02/22/2008

03/03/2008

ENB Acquisition Corporation, Oklahoma City, 

Oklahoma, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Exchange Bancshares of 

Moore, Inc., parent of Exchange National Bank 

of Moore, Moore, Oklahoma.

ENB ACQUISITION 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

02/21/2008

Notice by Kelly J. Schoen to acquire control of 

Freedom Bancshares, Inc., parent of Freedom 

Bank, all of Overland Park, Kansas, through the 

acquisition of voting shares.

FREEDOM BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 03/05/2008

03/06/2008

United Bancshares, Inc., Garden City, Kansas, 

to become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Garden City State Bank, Garden City, Kansas.

UNITED BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

United Bank & Trust, Marysville, Kansas, to 03/08/2008

purchase certain assets and assume certain 

liabilities of the Beattie, Kansas branch of Bank 

of Prairie, Olathe, Kansas, and to operate a 

full-service branch at such location.

UNITED BANK & TRUST

* 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 February 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 03/01/2008

03/03/2008

Andrews Holding Company, Andrews, Texas, 

to acquire 100 percent of Kent County State 

Bank, Jayton, Texas.

ANDREWS HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC 02/20/2008

02/15/2008

Notice by Mr. William Glover Loftin, Delhi, 

Louisiana, to acquire 35,230 shares or 14.68 

percent of Capital Bancorp, Inc., Delhi, 

Louisiana, and indirectly acquire Commercial 

Capital Bank, Delhi, Louisiana.

CAPITAL BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 02/21/2008

02/22/2008

Relationship Financial Corporation, Kerrville, 

Texas, to become a bank holding company by 

acquiring 100 percent of Guadalupe National 

Bank, Kerrville, Texas (in organization).

RELATIONSHIP FINANCIAL 

CORPORATION

* 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 February 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

02/22/2008

UCBH Holdings, Inc., San Francisco, California, 

to acquire up to 6.52 percent of First American 

International Corporation, and thereby 

indirectly its subsidiary, First American 

International Bank, both of Brooklyn, New York.

UCBH HOLDINGS, INC.

* 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