Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 25 

Week Ending June 21, 2008

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

Risk Management and its Implications for Systemic Risk

 -- statement by Vice Chairman Kohn before the U.S. Senate Subcommittee on 

Securities, Insurance, and Investment, Committee on Banking, Housing, and Urban 

Affairs, on June 19, 2008.

- Reviewed, June 18, 2008

Enforcement

Deutsche Bank Trust Company Americas, New York, New York -- written 

agreement dated October 12, 2005, terminated June 16, 2008.

- Announced, June 18, 2008

H.2 Board Actions June 15, 2008 to June 21, 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

June 15, 2008 to June 21, 2008

Bank Branches, Domestic

Aliant Bank, Alexander City, Alabama -- to establish a branch at 200 Fieldstown 

Road, Gardendale.

Atlanta

- Approved, June 20, 2008

The Brand Banking Company, Lawrenceville, Georgia -- to establish a branch at 480 

Peachtree Industrial Boulevard, Suwanee.

Atlanta

- Withdrawn, June 20, 2008

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 656 West Market Street, 

Akron.

Cleveland

- Approved, June 18, 2008

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1603 West 16th 

Street, Oak Brook, Illinois.

Cleveland

- Approved, June 18, 2008

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 9035 LaFontana 

Boulevard, Boca Raton, Florida.

Cleveland

- Approved, June 18, 2008

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

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 9035 100 2nd 

Street South, St. Petersburg, Florida.

Cleveland

- Approved, June 18, 2008

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 9450 West 

Linebaugh Avenue, Tampa, Florida.

Cleveland

- Approved, June 18, 2008

LegacyTexas Bank, Plano, Texas -- to establish a branch at 1111 Santa Fe Drive, 

Weatherford.

Dallas

- Approved, June 19, 2008

Orrstown Bank, Shippensburg, Pennsylvania -- to establish a branch at 1020 

Professional Court, Hagerstown, Maryland.

Philadelphia

- Approved, June 20, 2008

Bank Holding Companies

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

VII -- to acquire shares of Central Arizona Bank, in organization, Casa Grande, 

Arizona.

Chicago

- Withdrawn, June 20, 2008

H.2 Actions under delegated authority June 15, 2008 to June 21, 2008

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

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

Corporation, Lansing, and indirectly acquire Forethought Federal Savings Bank, 

Batesville, Indiana, and thereby operate a savings association.

Chicago

- Withdrawn, June 20, 2008

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

Limited VII -- to acquire shares of Sunrise Bank of Norman, in organization, 

Norman, Oklahoma.

Chicago

- Withdrawn, June 20, 2008

Charter Bankshares, Inc., Eau Claire, Wisconsin -- to acquire Peregrine Corporation, 

Chaska, Minnesota, and thereby acquire Community Bank Corporation, Chaska.

Minneapolis

- Approved, June 19, 2008

Community Bank Investors of America, LP, Midlothian, Virginia, and FA Capital, 

LLC -- to acquire shares of Silvergate Capital Corporation, La Jolla, California, and 

its subsidiary bank, Silvergate Bank.

Atlanta

- Withdrawn, June 19, 2008

First National Corporation of Ardmore, Inc., Ardmore, Oklahoma -- waiver of 

application to acquire Citizens Bank, Velma, in connection with its merger into First 

National Bank and Trust Company of Ardmore.

Kansas City

- Granted, June 18, 2008

H.2 Actions under delegated authority June 15, 2008 to June 21, 2008

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

First Southern Bancorp, Inc., Stanford, Kentucky -- to acquire shares of CKF 

Bancorp, Inc., Danville.

Cleveland

- Approved, June 20, 2008

Gateway Pacific Bancorp, National City, California -- to become a bank holding 

company and to acquire Gateway Pacific Bank, in organization.

San Francisco

- Approved, June 16, 2008

Greenwoods Financial Group, Inc., Lake Mills, Wisconsin -- to engage de novo in 

extending and servicing loans, through its subsidiary, Greenwoods Pharmacy 

Financial, LLC, Lake Mills.

Chicago

- Approved, June 20, 2008

Happy Bancshares, Inc., Canyon, Texas, and Happy Bancshares of Delaware, Inc., 

Dover, Delaware -- to acquire through its subsidiary bank, Happy State Bank, Happy, 

an interest in Happy Dub, LLC, Amarillo, and engage in leasing personal or real 

property.

Dallas

- Withdrawn, June 17, 2008

Home Bancshares, Inc., Selmer, Tennessee -- waiver of application to acquire 

Community Bank of Meridian, Meridian, Mississippi; in connection with the merger 

of Community Bank of Meridian into Home Banking Company, Selmer, Tennessee.

St. Louis

- Granted, June 19, 2008

H.2 Actions under delegated authority June 15, 2008 to June 21, 2008

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

Hyde Park Bancorp, MHC, Hyde Park, Massachusetts -- to become a bank holding 

company in connection with the reorganization of Hyde Park Savings Bank into a 

mutual bank holding company.

Boston

- Approved, June 16, 2008

Key Equipment Finance International, Inc., Superior, Colorado -- to make additional 

investments in Key Nova Scotia Funding Company, Halifax, Nova Scotia.

Cleveland

- Withdrawn, June 19, 2008

La Jolla Pacific Bancorp, San Diego, California -- to become a bank holding 

company and to acquire Home Bank of California, San Diego.

San Francisco

- Approved, June 16, 2008

Lewis County Capital Corporation, Ladera Ranch, California -- to become a bank 

holding company and to acquire First Community Bank, Lewis County, Vanceburg, 

Kentucky.

Cleveland

- Returned, June 16, 2008

Liberty Bancorp, Inc., Liberty, Missouri -- waiver of application to acquire KLT 

Bancshares, Inc., Farley, and its subsidiary bank, Farley State Bank, Parkville, in 

connection with the bank's merger into Liberty's savings association, BankLiberty, 

Liberty.

Kansas City

- Granted, June 20, 2008

H.2 Actions under delegated authority June 15, 2008 to June 21, 2008

(A/C) = Addition or Correction Delegated - 5 of 7
Bank Holding Companies

Silvergate Capital Corporation, La Jolla, California -- to become a bank holding 

company and to acquire Silvergate Bank, La Jolla.

Atlanta

- Withdrawn, June 18, 2008

Whitaker Bank Corporation of Kentucky, Lexington, Kentucky -- to acquire State 

Financial Services, Inc., Harrodsburg, and for State Bank & Trust to merge with 

Whitaker Bank, Inc., Lexington.

Cleveland

- Approved, June 16, 2008

Banks, Foreign

Banco Bilbao Vizcaya Argentaria, S.A., Bilbao, Spain -- to acquire Proxima Alfa 

Investments (USA) LLC, New York, New York, and thereby engage in certain 

investment and financial advisory services, investing and trading in foreign 

exchange, and other permissible nonbanking activities.

Atlanta

- Approved, June 18, 2008

Change In Bank Control

Jackass Creek Land & Livestock Company, Ennis, Montana -- to retain and acquire 

control of Company, and thereby acquire The First Madison Valley Bank, Ennis, and 

The First Boulder Valley Bank, Boulder.

Minneapolis

- Permitted, June 17, 2008

H.2 Actions under delegated authority June 15, 2008 to June 21, 2008

(A/C) = Addition or Correction Delegated - 6 of 7
Change In Bank Control

Liberty Financial Services, Inc., Sioux City, Iowa -- change in control of Services, 

Inc., and its subsidiary bank, Liberty National Bank.

Chicago

- Permitted, June 16, 2008

Silver State Bancorp, Henderson, Nevada -- to retain control of Bancorp, and its 

subsidiary bank, Silver State Bank.

San Francisco

- Permitted, June 20, 2008

Extensions Of Time

Bank of Gassaway, Gassaway, West Virginia -- extension to October 6, 2008, to 

establish a branch at 1960 Sutton Lane, Sutton.

Richmond

- Granted, June 17, 2008

Membership

Bank Midwest Minnesota-Iowa, National Association, Fairmont, Minnesota -- to 

retain membership in the Federal Reserve System following its conversion to a 

state-chartered bank, Bank Midwest, Spirit Lake, Iowa. 

Chicago

- Approved, June 19, 2008

H.2 Actions under delegated authority June 15, 2008 to June 21, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending June 21, 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 June 21, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

National Agricultural Cooperative Federation, 

Seoul, Korea, to establish a branch in New York, 

New York.

NATIONAL AGRICULTURAL 

COOPERATIVE FEDERATION, 

THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The National Australia Bank Limited, 

Melbourne, Australia, to establish a branch in 

Chicago, Illinois, under Section 211.24(a)(2) of 

Regulation K.

NATIONAL AUSTRALIA BANK 

LIMITED

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

Standard Chartered International (USA) Limited, 

Miami, Florida requests approval to amend 

Articles of Association to change its name to 

Standard Chartered International (Americas) 

Limited, pursuant to Section 211.5(c) of 

Regulation K.

Standard Chartered International 

(USA)

* 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

 229913 MIZUHO CORP BK USA, NEW YORK, NEW YORK 01/14/2008 05/30/2008 O Whole/Ltd Purp

 176101 ORANGE CTY TC, MIDDLETOWN, NEW YORK 01/14/2008 06/06/2008 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending June 21, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

07/07/2008

Bryn Mawr Bank Corporation, Bryn Mawr, 

Pennsylvania, to acquire 100 percent of JNJ 

Holdings, LLC, and its two wholly owned 

subsidiaries, Lau Associates, LLC and Lau 

Professional Services, LLC, all Delaware Limited 

Liability Companies, and thereby engage in 

financial and investment advisory activities 

pursuant to section 225.28(b)(6) of Regulation 

Y.

BRYN MAWR BANK 

CORPORATION

Newspaper:

Federal Register:

* 3A3 07/10/2008

07/07/2008

Nova Financial Holdings, Inc., Berwyn, PA, to 

acquire Pennsylvania Business Bank, 

Philadelphia, PA.

NOVA FINANCIAL HOLDINGS, 

INC

Newspaper:

Federal Register:

* 3A1 Not available

07/17/2008

Reliance Bancorp, MHC, (in formation), 

Altoona, PA, and Reliance Bancorp, Inc., (in 

formation) Altoona, PA, each to become a bank 

holding company in connection with the 

reorganization of Reliance Savings Bank, 

Altoona, PA, from a state chartered mutual 

savings bank into a state chartered stock 

savings bank.

Reliance Bancorp, MHC

Newspaper:

Federal Register:

CIC Not available

Not available

Evelyn Rome Tabas, Narberth, Pennsylvania, 

requests permission to acquire 25 percent or 

more of the shares and thereby control of Royal 

Bancshares of Pennsylvania, Inc., Narberth, PA. 

Royal Bancshares of Pennsylvania controls 

Royal Bank of Pennsylvania, Narberth, PA. 

Once acquired, the shares will be sold to six 

individual trusts: (i) Lee E. Tabas Trust, (ii) 

Susan Tabas Tepper Trust, (iii) Robert Royal 

Tabas Trust, (iv) Linda Jane Tabas Stempel 

Trust, (v) Carol Tabas Trust, and (vi) Jo Ann 

Wurzak Trust, (collectively the ?Trusts?). As 

such, the Trusts, and Nicholas Anthony 

Randazzo, Clifton Heights, PA; Robert Royal 

Tabas, Bryn Mawr, PA; and Linda Jane Tabas 

Stempel, Haverford, PA, as co-trustees of each 

of the six trusts, also request permission for the 

trusts to acquire 25 percent or more of the 

shares and thereby control of Royal Bancshares 

of Pennsylvania, Inc., and indirectly control of 

Royal Bank of Pennsylvania.

ROYAL BANCSHARES OF 

PENNSYLVANIA, INC.

Newspaper:

Federal Register:

* 18C

Not applicable

Susquehanna Bank DV, Bryn Mawr, PA, and 07/07/2008

Susquehanna Bank, Hagerstown, MD, to merge 

with and into Susquehanna Bank PA, Lancaster, 

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 June 21, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Prior Notice by Key Equipment Finance 

International, Superior, Colorado to make 

additional equity investments up to 

$115,000,000 in Key Nova Scotia Funding 

Company, Halifax, Nova Scotia pursuant to 

section 211.9(f) of Regulation K

KEY EQUIPMENT FINANCE 

INTERNATIONAL 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

 604024 MINSTER BK, MINSTER, OHIO 03/17/2008 06/01/2008 S Small Bank

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 June 21, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 899428 FIRST BK, STRASBURG, VIRGINIA 01/14/2008 05/05/2008 S Int Sm 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 June 21, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Monte de Piedad y Caja de Ahorros San 

Fernando de Huelva, Sevilla, Spain (CAJASOL), 

to establish a representative office in Miami, 

Florida.

MONTE DE PIEDAD Y CAJA DE 

AHORROS SAN FERNANDO DE 

HUELVA

Newspaper:

Federal Register:

* 3A1

* 3A3

07/13/2008

06/27/2008

RMB Holdings, LLC, Birmingham, Alabama, to 

become a bank holding company by acquiring 

up to 25 percent of the outstanding shares of 

Americus Financial Services, Inc. (BHC), and its 

subsidiary, Red Mountain Bank, N.A. (Bank), 

both of Birmingham, Alabama. In addition, ATB 

Management, LLC, Birmingham, Alabama, to 

acquire up to 25 percent of the BHC and Bank.

RMB HOLDINGS, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

TriSummit Bank, Kingsport, Tennessee, to 07/07/2008

establish a branch located at 862 Med Tech 

Parkway, Johnson City, Tennessee, to be 

known as the New Johnson City Branch.

TRISUMMIT BANK

Newspaper:

Federal Register:

CIC 06/25/2008

07/08/2008

Prior change in control notice filed by William E. 

Arnold, John M. Hubbard, Kellee S. Whitehurst, 

and Betty W. Arnold and William E. Arnold as 

Trustees of the Betty W. Arnold Revocable 

Trust, all of Williston, Florida, to collectively 

acquire 6.68 percent of the outstanding shares 

of Willston Holding Company, and its 

subsidiary, Perkins State Bank, both of 

Willston, Florida.

WILLISTON HOLDING 

COMPANY

* 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 June 21, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 06/30/2008

06/27/2008

C-B-G, Inc., West Liberty, Iowa, to acquire an 

additional $5 million (only $500,000 from C-B-G, 

Inc. and the remaining from executive officers, 

directors, and shareholders of CBG all 

considered to be acting in concert) of common 

stock, or up to 50.01 percent, in Washington 

Bancorp, Washington, Iowa, and thereby 

increase it's indirect interest in Washington 

Bancorp's subsidiary, Federation Bank, 

Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

* 3A3 Not available

06/02/2008

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

retain 5.9 percent of the voting shares of Valley 

Financial Group, Ltd., Saginaw, Michigan, and 

thereby indirectly retain shares of 1st State 

Bank, Saginaw, Michigan.

IBT BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

06/30/2008

Notice by James A. Button, Mequon, 

Wisconsin, Michael J. McGuire, Oak Lawn, 

Illinois, Robert C. Olson, Palos Hills, Illinois, 

Mark S. Poker, Brookfield, Wisconsin, and 

Thomas W. Tice, Key Largo, Florida, as 

co-trustees of the KJ Childrens Trust, 

Brookfield, Wisconsin, to acquire greater than 

25 percent of the voting shares of iTeam 

Companies, Inc., Brookfield, Wisconsin, and 

thereby indirectly acquire control of Kenney 

Bank and Trust, Kenney, Illinois.

ITEAM COMPANIES, INC.

Newspaper:

Federal Register:

CIC 06/24/2008

06/25/2008

Notices by John B. Scheumann, Lafayette, 

Indiana, individually and as trustee of the John 

B. Scheumann Grantor Retained Annuity Trust 

dated April 20, 2004, and the John B. 

Scheumann Grantor Retained Annuity Trust 

dated April 20, 2004, to acquire 20.76 percent of 

Lafayette 

Community Bancorp, Lafayette, Indiana, and 

thereby indirectly acquire Lafayette Community 

Bank, Lafayette, Indiana, and together with the 

John B. Scheumann Trust dated December 27, 

2002, and June M. Scheumann, Lafayette, 

Indiana, as trustee of the John B. Scheumann 

Trust dated December 27, 2002, as a group 

acting in concert to acquire 25.24 percent of 

Lafayette Community Bancorp, Lafayette, 

Indiana, and thereby indirectly acquire 

Lafayette Community Bank, Lafayette, Indiana.

LAFAYETTE COMMUNITY 

BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

07/18/2008

Pinnacle Capital Corporation, Marshalltown, 

Iowa, to become a bank holding company by 

acquiring 100 percent of the voting shares of 

Pinnacle Bank, Marshalltown, Iowa.

PINNACLE CAPTIAL 

CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending June 21, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 06/30/2008

07/03/2008

Prairieland Bancorp Employee Stock Ownership 

Plan and Trust, Bushnell, Illinois, to increase its 

ownership to 47.13 percent of Prairieland 

Bancorp, Inc., Bushnell, Illinois, as a result of 

stock redemptions, and thereby indirectly 

increase its ownership of Farmers and 

Merchants State Bank of Bushnell, Bushnell, 

Illinois.

PRAIRIELAND BANCORP 

EMPLOYEE STOCK OWNERSHIP 

PLAN AND 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

 3029589 CEDAR RAPIDS B&TC, CEDAR RAPIDS, IOWA 02/25/2008 06/09/2008 S Int Sm Bank

 968436 MIDWEST B&TC, ELMWOOD PARK, ILLINOIS 02/04/2008 05/30/2008 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending June 21, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 07/17/2008

07/14/2008

First Security Bancorp, Searcy, Arkansas, to 

acquire 100 percent of Union Bancshares of 

Benton, Inc., Benton, Arkansas, and thereby 

indirectly acquire The Union Bank of Benton, 

Benton, Arkansas.

FIRST SECURITY BANCORP

* 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

 790150 BANK OF IBERIA, IBERIA, MISSOURI 01/28/2008 04/30/2008 S Small Bank

 192147 CITIZENS B&TC, VAN BUREN, ARKANSAS 01/07/2008 04/23/2008 S Int Sm Bank

 535641 CITIZENS BK, HARTFORD, KENTUCKY 03/10/2008 06/14/2008 S Small Bank

 856748 CITIZENS BK, BATESVILLE, ARKANSAS 01/14/2008 04/25/2008 S Int Sm Bank

 1890374 FIRST SECURITY BK OF CONWAY, CONWAY, ARKANSAS 02/11/2008 05/26/2008 S Int Sm Bank

 3120646 PATRIOT BK, MILLINGTON, TENNESSEE 02/25/2008 06/04/2008 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending June 21, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 18C

* Branch

07/03/2008

CBT Corporation, Inc., which owns Citizens 

Bank & Trust Company, both of Big Timber, 

Montana, to acquire 100% of The Continental 

National Bank of Harlowton, Harlowton, 

Montana. Citizens Bank & Trust Company to 

merge with The Continental National Bank of 

Harlowton and incident thereto establish branch 

facilities to be located at 32 North Central 

Avenue, Harlowton, and 121 East 1st Avenue, 

Ryegate, Montana.

CBT CORPORATION, INC.

* 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 June 21, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

06/10/2008

Notice by Donald L. Howell, Houston, Texas, 

individually and as trustee of the FNB Financial 

Services, Inc. Employee Stock Ownership Plan 

and as trustee of the Anne Turner Howell Trust, 

and by Donald L. Howell, Hilton H. Howell, Jr., 

Atlanta, Georgia, Brian E. Howell, Waco, Texas, 

Donna Howell, Waco, Texas, and Alison Howell 

Malone, Dallas, Texas, acting as a group in 

concert, to acquire control of FNB Financial 

Services, Inc., parent of First Texoma National 

Bank, both in Durant, Oklahoma, through the 

acquisition of voting shares.

FNB FINANCIAL SERVICES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Philip Eugene Jossi and Keith 

Weldon Carlson, both of Lincoln, Nebraska; 

and Marian Joanne Hardin, Kearney, Nebraska; 

to acquire control of Riverdale Bancshares, Inc., 

parent of State Bank of Riverdale, both in 

Riverdale, Nebraska, through the acquisition of 

voting shares.

RIVERDALE BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 671053 STOCK EXCH BK, CALDWELL, KANSAS 03/03/2008 05/27/2008 S Small Bank

 662350 WAHOO ST BK, WAHOO, NEBRASKA 02/25/2008 05/16/2008 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 June 21, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 07/01/2008

07/10/2008

Charter Bancshares, Inc., Corpus Christi, Texas, 

and Charter IBHC, Inc., Wilmington, Delaware, 

to acquire 51 percent of Charter Alliance Bank, 

Corpus Christi, Texas (de novo).

CHARTER BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas, to establish 3 06/27/2008

branches at the following locations: 4044 

Lincoln Blvd., Marina del Rey, California 90292; 

2307 Fenton Parkway, San Diego, California 

92108; and 2915 Townsgate Road, West Lake 

Village, Thousand Oaks, California 91361.

COMERICA BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Heritage Bancorp, Inc., Pearland, Texas, to 

become a bank holding company by acquiring 

100 percent of Red River Financial Corporation, 

Detroit, Texas, and indirectly acquire 

Community National Bank, Detroit, Texas.

HERITAGE BANCORP, 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

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 June 21, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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