Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 32 

Week Ending August 9, 2008

Board of Governors of the Federal Reserve System, Washington, DC 20551
Banks, Foreign

Industrial and Commercial Bank of China Limited, Beijing, People's Republic of 

China -- to establish a branch in New York, New York.

- Approved, August 5, 2008

Regulations And Policies

Regulation S -- amendments to Regulation S for public comment regarding 

reimbursements to institutions for providing financial records.

- Approved, August 4, 2008

Reserve Bank Operations

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

deputy chairmen of the twelve Reserve Banks for 2009 and the appointments and 

reappointments of directors.

- Approved, August 6, 2008

H.2 Board Actions August 3, 2008 to August 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 Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

August 3, 2008 to August 9, 2008

Bank Branches, Domestic

The First Western Bank Sturgis, Sturgis, South Dakota -- to establish a branch at 145 

Glendale Drive, Suite 4, Lead.

Secretary

- Approved, August 6, 2008

Community Bank of Nevada, Las Vegas, Nevada -- to establish a branch at Sansone 

St. Rose Coronado Plaza, Henderson.

San Francisco

- Approved, August 5, 2008

First American Bank, Fort Dodge, Iowa -- to establish a branch at 3360 Pine Ridge 

Road, Building 200, Naples, Florida.

Chicago

- Approved, August 7, 2008

First Peoples Bank, Inc., Mullens, West Virginia -- to establish a branch at the corner 

of Bethel Road and Dayton Street, MacArthur.

Richmond

- Approved, August 6, 2008

New Peoples Bank, Inc., Honaker, Virginia -- to establish a branch at 3996 Coal 

Heritage Road, Bluewell, West Virginia.

Richmond

- Approved, August 5, 2008

(A/C) = Addition or Correction Delegated - 1 of 8
Bank Branches, Domestic

River City Bank, Mechanicsville, Virginia -- to establish a branch at 10374 South 

Leadbetter Road, Ashland.

Richmond

- Approved, August 5, 2008

The Scott County State Bank, Scottsburg, Indiana -- to establish a branch at 307 West 

Main Street, Austin.

St. Louis

- Approved, August 7, 2008

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 1100 Towne Lake Drive, 

Leland, North Carolina.

Secretary

- Approved, August 6, 2008

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 1990 West Spring Street, 

Monroe.

Secretary

- Approved, August 5, 2008

Bank Holding Companies

Commercial Bancgroup, Inc., Harrogate, Tennessee, and Robertson Holding 

Company, L.P. -- waiver of application to merge with Union National Bancorp of 

Barbourville, Inc., Barbourville, Kentucky, in connection with the merger of their 

respective subsidiary banks, Commercial Bank, Harrogate, and Union National Bank 

& Trust Company, Barbourville.

Atlanta

- Granted, August 4, 2008

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

(A/C) = Addition or Correction Delegated - 2 of 8
Bank Holding Companies

Country Bancorporation, Crawfordsville, Iowa -- to continue to engage in the 

nonbanking activity of extending credit and servicing loans.

Chicago

- Approved, August 7, 2008

Crescent Capital VI LLC, Bellevue, Washington -- to become a bank holding 

company and to acquire an interest in Cowlitz Bancorp, Longview, and its subsidiary 

bank, Cowlitz Bank.

San Francisco

- Approved, August 5, 2008

Eastern Bank Corporation, Boston, Massachusetts -- to acquire MASSBANK Corp., 

Reading, and its subsidiary bank, MASSBANK.

Boston

- Approved, August 7, 2008

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

Iron and Glass Bancorp, Inc., Pittsburgh, in connection with the merger of their 

respective subsidiary banks, The First National Bank of Pennsylvania, Greenville, 

and Iron and Glass Bank.

Cleveland

- Granted, July 31, 2008

(A/C)

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

(A/C) = Addition or Correction Delegated - 3 of 8
Bank Holding Companies

FBOP Corporation, Oak Park, Illinois -- to acquire PFF Bancorp, Inc., Rancho 

Cucamonga, California, and thereby indirectly acquire (1) PFF Bank & Trust, 

Pomona, and operate a savings association; (2) Diversified Builders Services, Inc., 

Rancho Cucamonga, and engage in extending credit and servicing loans; (3) 

Glencrest Investment Advisers, Rancho Cucamonga, and engage in financial and 

investment advisory services; and (4) Pomona Financial Services, Rancho 

Cucamonga, and engage in trust company functions.

Chicago

- Approved, August 4, 2008

Heritage Bancorp, Inc., Pearland, Texas -- to become a bank holding company and to 

acquire Red River Financial Corporation, Detroit, and indirectly acquire Community 

National Bank.

Dallas

- Approved, August 8, 2008

Northern Trust Corporation, Chicago, Illinois -- to acquire Lakepoint Investment 

Partners LLC, Cleveland, Ohio, and thereby engage in financial and investment 

advisory activities.

Chicago

- Approved, August 5, 2008

Post Oak Bancshares, Inc., Houston, Texas -- to become a bank holding company 

and to acquire Post Oak Bank, N.A.

Dallas

- Approved, August 8, 2008

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

(A/C) = Addition or Correction Delegated - 4 of 8
Bank Holding Companies

Sagebrush Partners LLP, Grand Junction, Colorado -- to become a bank holding 

company and to acquire shares of Grand Valley Corporation and its subsidiary bank, 

Grand Valley National Bank, Heber City, Utah, and to engage de novo in extending 

credit and servicing loans.

San Francisco

- Approved, August 7, 2008

Stockmens Financial Corporation, Rapid City, South Dakota -- to acquire Homestead 

Financial Corporation, Beatrice, Nebraska, and its subsidiary, The First National 

Bank and Trust.

Kansas City

- Approved, August 8, 2008

Stockmens Limited Partnership, Rapid City, South Dakota -- to become a bank 

holding company and to acquire shares of Stockmens Financial Corporation, Rapid 

City, and indirectly acquire Homestead Financial Corporation, Beatrice, Nebraska, 

and its subsidiary, The First National Bank and Trust.

Kansas City

- Approved, August 8, 2008

Unified Shares, LLC, Harrogate, Tennessee -- to retain shares of Commercial 

Bancgroup, Inc., and its subsidiary bank, Commercial Bank, and to acquire Union 

National Bancorp of Barbourville, Inc., Barbourville, Kentucky, and its subsidiary 

bank, Union National Bank of Barbourville.

Atlanta

- Approved, August 4, 2008

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

(A/C) = Addition or Correction Delegated - 5 of 8
Bank Mergers

Commercial Bank, Harrogate, Tennessee -- to merge with Union National Bank & 

Trust Company, Barbourville, Kentucky.

Atlanta

- Approved, August 4, 2008

Lone Star State Bank of West Texas, Lubbock, Texas -- to merge with First Bank of 

Brownfield, Brownfield, and thereby establish a branch at 300 West Main Street.

Dallas

- Approved, August 5, 2008

Union Bank and Trust Company, Bowling Green, Virginia -- to merge with Bay 

Community Bank, Newport News.

Richmond

- Approved, August 6, 2008

Bank Premises

Bryn Mawr Trust Company, Bryn Mawr, Pennsylvania -- to increase its investment 

in bank premises. 

Philadelphia

- Approved, August 4, 2008

Change In Bank Control

First Georgia Community Corp., Jackson, Georgia -- notices of change in bank 

control of First Georgia, and its subsidiary bank, First Georgia Community Bank.

Atlanta

- Permitted, August 4, 2008

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

(A/C) = Addition or Correction Delegated - 6 of 8
Change In Bank Control

First Miami Bancshares, Inc., Miami, Oklahoma -- to retain shares of First Miami 

Bancshares, Inc. and its subsidiary bank, The First National Bank and Trust 

Company of Miami, and Bank of Billings, Billings, Missouri. 

Kansas City

- Permitted, August 5, 2008

Menard Bancshares, Inc., Menard, Texas -- to acquire an interest in Menard 

Bancshares, Inc. and indirectly acquire Menard National Bank.

Dallas

- Permitted, August 7, 2008

Extensions Of Time

Green Valley Bancorp, MHC, and Green Valley Bancorp, Inc., Southbridge, 

Massachusetts -- extension to October 8, 2008, to become mutual and stock bank 

holding companies, respectively, and to acquire Southbridge Savings Bank.

Boston

- Granted, August 4, 2008

Greenfield Bancorp, MHC, Greenfield, Massachusetts -- extension to October 1, 

2008, to acquire Greenfield Co-operative Bank in connection with the reorganization 

of Greenfield Bancorp, MHC from mutual to stock form.

Boston

- Granted, August 4, 2008

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

(A/C) = Addition or Correction Delegated - 7 of 8
Membership

Commencement Bank, Tacoma, Washington -- to become a member of the Federal 

Reserve System.

San Francisco

- Approved, August 8, 2008

Madison Bank, Richmond, Kentucky -- to become a member of the Federal Reserve 

System.

Cleveland

- Approved, August 6, 2008

Regulations And Policies

Regulation Z (Truth in Lending) -- annual adjustment of the dollar amount that 

triggers additional disclosure requirements for home mortgage loans with rates or 

fees above a certain amount (Docket No. R-1320).

Director, C&CA

- Approved, August 5, 2008

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

(A/C) = Addition or Correction Delegated - 8 of 8
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending August 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 08/29/2008

Campello Bancorp, Inc., Brockton, 

Massachusetts to acquire, pursuant to section 

3(a)(1) of the BHC Act, 100% of the voting 

shares of The Community Bank, A 

Massachusetts Co-operative Bank, Brockton, 

Massachusetts in connection with the 

conversion of Campello Bancorp, Brockton, 

Massachusetts from mutual to stock form.

Campello Bancorp, Inc.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Application by GreatWaters Bank & Trust 

Company, Wolfeboro, NH, a de novo bank, for 

membership in the Federal Reserve System.

GREATWATERS BANK AND 

TRUST COMPANY, INC.

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 08/15/2008

Application by WebFive, MHC and WebFive 

Financial Services, Inc., both of Webster, 

Massachusetts - to become a mutual bank 

holding company and stock bank holding 

company, respectively, by acquiring Webster 

Five Cents Savings Bank, Webster, 

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

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

of 1956, as amended.

WEBFIVE MHC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 August 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 August 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending August 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 08/05/2008

a branch at 8013 West Florissant Avenue, 

Jennings, MO.

FIFTH THIRD BANK

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending August 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

NBRS Financial Bank, Rising Sun, Maryland, 

proposes to establish a branch located at 20 

Craigtown Road, Port Deposit, Maryland.

NBRS FINANCIAL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

StellarOne Bank, Christiansburg, Virginia, 08/22/2008

proposes to establish a branch at 4109 Plank 

Road, Fredericksburg, Virginia.

STELLARONE 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 August 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/24/2008

09/04/2008

Altrust Financial Services, Inc., Cullman, 

Alabama, to acquire 100 percent of the 

outstanding shares of Generation Bank, Centre, 

Alabama (in organization).

ALTRUST FINANCIAL 

SERVICES, INC.

Newspaper:

Federal Register:

FBSEA

Not applicable

Monte de Piedad y Caja de Ahorros San 08/25/2008

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:

* Branch

Not applicable

Tennessee State Bank, Pigeon Forge, 08/15/2008

Tennessee, to establish two mobile branches to 

service the following counties: Knox, Sevier, 

Cocke, and Jefferson.

TENNESSEE STATE BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 08/27/2008

08/28/2008

BOSP Bancshares, Inc., Sun Prairie, Wisconsin, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

Bank of Sun Prairie, Sun Prairie, Wisconsin.

BOSP BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Citizens Bank, Flint, Michigan, to establish a 08/03/2008

branch facility to be located at 4834 Richmond 

Road, Warrenville Heights, Ohio.

CITIZENS BANK

Newspaper:

Federal Register:

* 3A3 08/31/2008

09/02/2008

First Community Financial Partners, Inc., Joliet, 

Illinois, to acquire at least 57.8 percent of the 

voting shares of First Community Bank of 

Plainfield (in organization), Plainfield, Illinois.

FIRST COMMUNITY 

FINANCIAL PARTNERS, INC.

Newspaper:

Federal Register:

* 3A5

* 18C

* Branch

08/08/2008

08/08/2008

Hometown Community Bancorp, Inc., Morton, 

Illinois and Hometown Community Bancorp 

Employee Stock Ownership Plan and Trust, 

Morton, Illinois, to merge with Alpha Financial 

Group, Inc., Toluca, Illinois and Alpha Financial 

Group, Inc. Employee Stock Ownership Plan, 

Toluca, Illinois, and thereby indirectly acquire 

Alpha Community Bank, Toluca, Illinois, and 

the related application by Morton Community 

Bank, Morton, Illinois, to merge with Alpha 

Community Bank, Toluca, Illinois, and thereby 

to establish 4 branches.

HOMETOWN COMMUNITY 

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

 3394670 CORRIDOR ST BK, CORALVILLE, IOWA 03/31/2008 07/14/2008 S Small Bank

 913940 FIFTH THIRD BK, GRAND RAPIDS, MICHIGAN 07/09/2007 07/16/2008 S Large Bank

 193649 FIRST T&SB WATSEKA, WATSEKA, ILLINOIS 04/07/2008 07/31/2008 S Small Bank

 874845 LAKE CITY BK, WARSAW, INDIANA 09/24/2007 07/28/2008 NI Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 728742 FARMERS BK & CAPITAL TC, FRANKFORT, KENTUCKY 03/17/2008 06/23/2008 S Int Sm Bank

 786742 FIRST CITIZENS BK, ELIZABETHTOWN, KENTUCKY 04/07/2008 07/14/2008 S Small Bank

 543253 SOUTHWEST BK, SAINT LOUIS, MISSOURI 10/29/2007 07/17/2008 O Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending August 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

American State Bank, Pierre, South Dakota, to 

establish a mobile branch facility to be located 

in Pierre, and Fort Pierre, South Dakota.

AMERICAN STATE BANK OF 

PIERRE

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Lincoln Holding Company, Lincoln, Montana, 

proposes to become a bank holding company 

and to acquire 100% of the stock of the First 

Bank of Lincoln, Lincoln, Montana.

Lincoln Holding Company

Newspaper:

Federal Register:

CIC Not available

08/13/2008

David Schornack, Perham, Minnesota, 

individually and as a part of a group acting in 

concert with Denise Schornack, Perham, 

Minnesota, Daniel Welter, New York Mills, 

Minnesota, and Bonnie Welter New York Mills, 

Minnesota, to acquire control of Quality 

Bankshares, Inc., Fingal, North Dakota, and 

thereby indirectly acquire control of Quality 

Bank, Fingal, North Dakota.

QUALITY BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

08/06/2008

Notice by John Richard Doherty, Oswego, 

Illinois, to retain 10 percent or more of the 

shares of West End Financial Corporation, 

Bessemer, Michigan, and thereby indirectly 

retain control of Gogebic Range Bank, 

Bessemer, Michigan.

WEST END FINANCIAL CORP.

* 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

 993353 BANK OF GLEN ULLIN, GLEN ULLIN, NORTH DAKOTA 04/21/2008 07/31/2008 S Small Bank

 649650 FIRST BK MT, LEWISTOWN, MONTANA 04/14/2008 08/06/2008 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/18/2008

Notice submitted by the Barbara Dean Flaming 

Trust and Brenda Jean Flaming Salinas, trustee; 

the Brenda Jean Flaming Trust and Barbara 

Dean Flaming Waite, trustee; the Michael Todd 

Flaming Trust and Brenda Jean Flaming Salinas, 

trustee; and the Flaming Children 2008 

Irrevocable Trust and Gerald R. Chelgren, 

trustee; all of Cherokee, Oklahoma, part of a 

group acting in concert, to acquire/retain 

control of Alfalfa County Bancshares, Inc., 

parent of ACB Bank, both in Cherokee, 

Oklahoma.

ALFALFA COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Community Banks of Colorado, Greenwood 

Village, Colorado, to establish a branch at 320 

Main Street, Suite 100, Carbondale, Colorado.

COMMUNITY BANKS OF 

COLORADO

Newspaper:

Federal Register:

* 3A3 Not available

Not available

First Western Financial, Inc., Denver, Colorado, 

to acquire 100 percent of the voting shares of 

First Western Trust Bank of Arizona, 

Scottsdale, Arizona (in organization).

FIRST WESTERN FINANCIAL, 

INC.

Newspaper:

Federal Register:

CIC Not available

08/21/2008

Notice by the Schifferdecker Limited 

Partnership, Girard, Kansas; Mark W. 

Schifferdecker, Girard, Kansas; Susan B. 

Friesen, Omaha, Nebraska; and Joy L. Shoop, 

Hiawatha, Kansas; as general partners, to 

acquire control of GN Bankshares, Inc., parent 

of The Girard National Bank , both in Girard, 

Kansas, through the acquisition of voting 

shares.

GN BANKSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 09/08/2008

LeaderOne National, Inc., Overland Park, 

Kansas, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Signature Bank KC, Haddam, 

Kansas, and to engage in mortgage banking 

through the acquisition of 100 percent of the 

voting shares of LeaderOne Financial 

Corporation, Overland Park, Kansas.

LEADERONE NATIONAL, INC.

Newspaper:

Federal Register:

CIC 08/14/2008

08/13/2008

Notice submitted by Robyn E. Batson, Broken 

Bow, Oklahoma, as trustee of the Linda Lake 

Young Irrevocable Trust, the Lori Lee Young 

Irrevocable Trust, and the Robyn Elizabeth 

Batson Irrevocable Trust, to acquire control of 

Southeastern Bancshares, Inc., parent of 1st 

Bank & Trust, both in Broken Bow, Oklahoma.

SOUTHEASTERN 

BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/14/2008

08/20/2008

Notice submitted by Charles I. Moyer 

Revocable Trust, Charlotte L. Moyer Family 

Trust, and Charlotte L. Moyer Marital Trust, 

Charles I. Moyer, Phillipsburg, Kansas, trustee; 

C. Bryant Moyer, Topeka, Kansas; Clinton I. 

Moyer, Borger, Texas; all as members of the 

Moyer Family Group; and Jaret Moyer, Emporia, 

Kansas, individually and as a member of the 

Moyer Family Group; to acquire control of 

Woodbine Agency, Inc., parent of The Citizens 

State Bank and Trust Company, both in 

Woodbine, Kansas.

WOODBINE AGENCY, 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

 403151 CORNERSTONE BK, YORK, NEBRASKA 04/07/2008 07/16/2008 S Int Sm Bank

 865759 UNION ST BK, CLAY CENTER, KANSAS 04/28/2008 07/22/2008 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 August 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas, to establish two 08/19/2008

branches to be located at 425 S. Mill Ave., 

Tempe, Arizona 85281 and 2025 W. Happy 

Valley Rd., Phoenix, Arizona 85085.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

McCamey Financial Corporation, Odessa, 

Texas, to acquire 100 percent of First National 

Monahans Bancshares, Inc., Monahans, Texas, 

and indirectly acquire Monahans Delaware 

Financial Corporation, Wilmington, Delaware, 

and First National Bank of Monahans, 

Monahans, Texas.

MCCAMEY FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC 08/13/2008

08/07/2008

The Vanco Trusts, the Vannie Cook Trusts, and 

Mr. James William Collins, as trustee, all of 

McAllen, Texas, propose to acquire an interest 

in Medina Bankshares, Inc., Hondo, Texas, and 

indirectly acquire D'Hanis State Bank, D'Hanis, 

Texas.

MEDINA BANKSHARES, 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 August 9, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Hawaii, Honolulu, Hawaii, to establish 08/16/2008

an in-store branch facility at Safeway Kaneohe, 

46-065 Kamehameha Avenue, Kaneohe, Hawaii.

BANK OF HAWAII

Newspaper:

Federal Register:

CIC Not available

08/25/2008

Notice by Russell Goldsmith, individually, and 

as part of a family group, including the Bram & 

Elaine Goldsmith Family Trust, the Elaine 

Goldsmith Revocable Trust, the Bruce Leigh 

Goldsmith Revocable Trust, the Goldsmith 

Family Partnership, the Goldsmith Family 

Foundation, and other related family trusts, 

partnerships, and foundations, to retain control 

and to acquire additional shares of City National 

Corporation, and thereby indirectly its 

subsidiary, City National Bank, both of Beverly 

Hills, California.

CITY NATIONAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

09/05/2008

Global Bancorp to become a bank holding 

company by acquiring 100 percent of Global 

Trust Bank, both of Mountain View, California.

GLOBAL BANCORP

* 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