Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 21 

Week Ending May 24, 2008

Board of Governors of the Federal Reserve System, Washington, DC 20551
Banks, Nonmember, And Miscellaneous Institutions

CLS Bank International, New York, New York -- to add the Mexican peso and Israeli 

shekel to the list of currencies eligible for settlement by the bank.

- Approved, May 19, 2008

Merrill Lynch Bank & Trust Co., FSB, New York, New York -- request for an 

exemption from section 23A of the Federal Reserve Act and Regulation W to 

facilitate a corporate reorganization.

- Granted, May 19, 2008

Regulations And Policies

Government Accountability Office -- response to the GAO report, "Bank Fees: 

Federal Banking Regulators Could Better Ensure that Consumers Have Required 

Disclosure Documents Prior to Opening Checking or Savings Accounts."

- Approved, April 25, 2008

(A/C)

H.2 Board Actions May 18, 2008 to May 24, 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

May 18, 2008 to May 24, 2008

Bank Branches, Domestic

Comerica Bank, Dallas, Texas -- to establish a branch at 111 North Magnolia 

Avenue, Orlando, Florida.

Dallas

- Approved, May 23, 2008

First State Bank, Lincoln, Nebraska -- to establish a branch at 108 West Third Street, 

Firth.

Kansas City

- Approved, May 22, 2008

Peapack-Gladstone Bank, Gladstone, New Jersey -- to establish branches at 531 

Route 22 East, Whitehouse Station and 1038 Stelton Road, Piscataway.

New York

- Approved, May 23, 2008

PointBank, Pilot Point, Texas -- to establish a branch at 4920 Long Prairie Road, 

Flower Mound.

Dallas

- Approved, May 21, 2008

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 9933 Sowder Village 

Square, Manassas, Virginia.

Secretary

- Approved, May 21, 2008

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

Texas Star Bank, Van Alstyne, Texas -- to establish a branch at U.S. Highway 75 and 

Texanna Street, Van Alstyne.

Dallas

- Approved, May 21, 2008

Valley Bank, Roanoke, Virginia -- to establish a branch at 4003 Challenger Avenue, 

Roanoke.

Richmond

- Approved, May 22, 2008

Bank Holding Companies

Algodon de Calidad Bancshares, Inc., Abernathy, Texas -- to become a bank holding 

company and to acquire The First State Bank, Abernathy.

Dallas

- Approved, May 21, 2008

Commerce Union Bancshares, Inc., Springfield, Tennessee -- to become a bank 

holding company and to acquire Commerce Union Bank, Springfield.

Atlanta

- Approved, May 22, 2008

Dart Financial Corporation, Mason, Michigan -- to become a bank holding company 

and to acquire The Dart Bank, Mason.

Chicago

- Approved, May 19, 2008

H.2 Actions under delegated authority May 18, 2008 to May 24, 2008

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

Downing Partnership, L.P., Ellis, Kansas -- to acquire shares of Equity Bancshares, 

Inc., Andover, and Equity Bank, N.A.

Kansas City

- Withdrawn, May 22, 2008

First Financial Service Corporation, Elizabethtown, Kentucky -- to merge with FSB 

Bancshares, Inc., Lanesville, Indiana, and thereby acquire The Farmers State Bank.

St. Louis

- Approved, May 21, 2008

Fortis S.A./N.V., Brussels, Belgium, Fortis N.V., Fortis Brussels S.A./N.V., and 

Fortis Bank S.A./N.V. -- to enter into physically settled tolling agreements with 

power plant owners in the United States (energy tolling) as an activity 

complementary to commodities derivatives activities.

Director, BS&R

- Approved, May 21, 2008

Franklin Financial Network, Inc., Franklin, Tennessee -- to acquire the assets and 

assume the liabilities of Banc Compliance Group, LLC., Franklin, and thereby 

engage, through its subsidiary, Banc Compliance Group, Inc., in providing 

management consulting and counseling activities.

Atlanta

- Approved, May 20, 2008

HBNA Financial Corporation, Pickerington, Ohio -- to become a bank holding 

company and to acquire Horizon National Bank (in formation), Pickerington.

Cleveland

- Withdrawn, May 23, 2008

H.2 Actions under delegated authority May 18, 2008 to May 24, 2008

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

Lake Shore Wisconsin Corporation, Sheboygan, Wisconsin -- to become a bank 

holding company and to acquire Lake Shore Bank (in organization), Sheboygan.

Chicago

- Withdrawn, May 21, 2008

Bank Mergers

Kaw Valley State Bank and Trust Company, Wamego, Kansas -- to merge with The 

First National Bank of Clifton, Clifton, and thereby establish two branches.

Kansas City

- Approved, May 22, 2008

Banks, Foreign

SNS Property Finance B.V., Hoevelaken, the Netherlands -- to establish a 

representative office in Arlington, Virginia.

Director, BS&R

- Approved, May 22, 2008

Change In Bank Control

Bi-Stone Bancshares, Inc., Mexia, Texas -- change in bank control of Bancshares and 

its subsidiary bank, Incommons Bank, N.A., Mexia.

Dallas

- Permitted, May 21, 2008

Healthcare Bancorp, Inc., Broken Arrow, Oklahoma -- change in bank control of 

Bancorp and its subsidiary bank, First Bankcentre, Broken Arrow.

Kansas City

- Permitted, May 23, 2008

H.2 Actions under delegated authority May 18, 2008 to May 24, 2008

(A/C) = Addition or Correction Delegated - 4 of 7
Change In Bank Control

ICB Financial, Ontario, California -- to retain control of Financial and its subsidiary 

bank, Inland Community Bank, N.A., Ontario.

San Francisco

- Permitted, May 22, 2008

Midstate Financial Corporation, Brownsburg, Indiana -- to retain control of 

Corporation and its subsidiary bank, Hendricks County Bank & Trust Company, 

Brownsburg.

Chicago

- Permitted, May 20, 2008

New Mexico First Financial, Inc., Las Cruces, New Mexico -- change in bank control 

of Financial and its subsidiary bank, Mesilla Valley Bank, Las Cruces.

Dallas

- Permitted, May 23, 2008

Extensions Of Time

Bank of Lancaster, Kilmarnock, Virginia -- extension to June 22, 2008, to establish a 

branch at 15104 Northumberland Highway, Burgess.

Richmond

- Granted, May 21, 2008

Chesapeake Bank, Kilmarnock, Virginia -- extension to December 1, 2008, to 

establish a branch between 608 and 644 North Main Street, Kilmarnock.

Richmond

- Granted, May 20, 2008

H.2 Actions under delegated authority May 18, 2008 to May 24, 2008

(A/C) = Addition or Correction Delegated - 5 of 7
Extensions Of Time

Community State Bankshares, Inc., Lamar, Colorado -- extension to August 22, 

2008, to become a bank holding company and to acquire Community State Bank (in 

organization), Lamar.

Kansas City

- Granted, May 20, 2008

International Operations

American Express Bank International, Miami, Florida -- to amend its articles of 

association to change its name to Standard Chartered International (USA) Limited.

New York

- Approved, May 23, 2008

Membership

The Merchants National Bank of Bangor, Bangor, Pennsylvania -- to retain 

membership in the Federal Reserve System on conversion to a state-chartered 

institution, Merchants Bank of Bangor.

Philadelphia

- Approved, May 22, 2008

West Michigan National Bank & Trust, Frankfort, Michigan -- to retain membership 

in the Federal Reserve System on conversion to a state-chartered institution, West 

Michigan Bank & Trust.

Chicago

- Approved, May 21, 2008

H.2 Actions under delegated authority May 18, 2008 to May 24, 2008

(A/C) = Addition or Correction Delegated - 6 of 7
Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on April 29-30, 2008.

FOMC

- Published, May 21, 2008

H.2 Actions under delegated authority May 18, 2008 to May 24, 2008

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

Federal Reserve Bank of Boston

Filings received during the week ending May 24, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 06/07/2008

06/02/2008

Greenfield Bancorp, MHC, Greenfield, 

Massachusetts to acquire 100% of the capital 

stock of Greenfield Co-operative Bank, 

Greenfield, Massachusetts pursuant to section 

3(a)(1) of the BHC Act in connection with the 

reorganization of Greenfield Bancorp, MHC, 

Greenfield, Massachusetts, from mutual to stock 

form.

GREENFIELD BANCORP 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 Third Quarter of 2008 (July 1, 2008 - September 30, 2008)

Institution Location

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

Federal Reserve Bank of New York

Filings received during the week ending May 24, 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:

FBSEA

Not applicable

Standard Chartered Bank, London, England, to 06/16/2008

establish representative offices in Atlanta, 

Georgia, Miami, Florida, and San Francisco and 

San Diego, California pursuant to Section 

211.24(a)(2)(i)(B)(1) of Regulation K.

STANDARD CHARTERED BANK

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 2736291 BANCO POPULAR N AMER, NEW YORK, NEW YORK 03/05/2007 04/29/2008 S Large Bank

 722816 SOLVAY BK, SOLVAY, NEW YORK 11/26/2007 05/06/2008 S Int Sm Bank

CRA Examinations scheduled for Third Quarter of 2008 (July 1, 2008 - September 30, 2008)

Institution Location

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending May 24, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Susquehanna Bank PA, Lancaster, PA, to 05/30/2008

establish a branch office at Koser Road and 

Fruitville Pike, 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

 501815 LUZERNE BK, LUZERNE, PENNSYLVANIA 12/10/2007 04/30/2008 S Small Bank

CRA Examinations scheduled for Third Quarter of 2008 (July 1, 2008 - September 30, 2008)

Institution Location

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

Federal Reserve Bank of Cleveland

Filings received during the week ending May 24, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Grand Rapids, Michigan to 

establish a bank branch at 601 South Clark 

Street, Chicago, IL

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 Third Quarter of 2008 (July 1, 2008 - September 30, 2008)

Institution Location

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

Federal Reserve Bank of Richmond

Filings received during the week ending May 24, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Benchmark Community Bank, Kenbridge, 06/05/2008

Virginia, proposes to establish a branch at 290 

South Main Street, Halifax, Virginia.

BENCHMARK COMMUNITY 

BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Blue Ridge Bank Holdings, Inc., Asheville, 

North Carolina, to become a bank holding 

company through the retention of 100% of the 

voting securities of Blue Ridge Savings Bank, 

Incorporated, Asheville, North Carolina.

Blue Ridge Bank Holdings, Inc.

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

06/16/2008

Eagle Bancorp, Inc., Bethesda, Maryland, to 

acquire 100% of the voting securities of Fidelity 

& Trust Financial Corporation, Bethesda, 

Maryland and thereby indirectly acquire Fidelity 

& Trust Bank, Bethesda, Maryland.

EAGLE BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Old Line Bank, Bowie, Maryland, to establish a 06/05/2008

branch at 167 Jennifer Road, Suite U, Annapolis, 

Maryland.

OLD LINE 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

 684325 BANK OF CURRITUCK, MOYOCK, NORTH CAROLINA 01/28/2008 04/29/2008 O Small Bank

 436823 CENTRAL VA BK, POWHATAN, VIRGINIA 02/04/2008 05/05/2008 S Large Bank

CRA Examinations scheduled for Third Quarter of 2008 (July 1, 2008 - September 30, 2008)

Institution Location

BANK OF THE JAMES LYNCHBURG, VIRGINIA

BANKANNAPOLIS ANNAPOLIS, MARYLAND

CAPON VALLEY BK WARDENSVILLE, WEST VIRGINIA

EVB TAPPAHANNOCK, VIRGINIA

FARMERS & MERCHANTS BK TIMBERVILLE, VIRGINIA

GATEWAY B&TC ELIZABETH CITY, NORTH CAROLINA

SANDY SPRING BK OLNEY, MARYLAND

SELECT BK FOREST, VIRGINIA

TRUPOINT BK GRUNDY, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending May 24, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

06/10/2008

Bancolombia S.A., Suramericana de Invesiones 

S.A., Inversiones Argos S.A., all of Medellin, 

Colombia, and Cementos Argos S.A., 

Barranquilla, Colombia, to collectively retain 50 

percent of their direct and indirect interests in 

Todo 1 Services, Inc., Medley, Florida, and 

thereby engage in providing data processing 

and data transmission services.

BANCOLOMBIA S.A.

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:

* 3A1 Not available

06/23/2008

Caja de Ahorros y Monte de Piedad de Madrid, 

along with its subsidiaries, Caja Madrid Cibeles 

S.A., both of Madrid, Spain, and CM Florida 

Holdings, Inc., Coral Gables, Florida, to become 

bank holding companies by acquiring 83 

percent of the controlling interest of City 

National Bancshares, Inc., and its subsidiary, 

City National Bank of Florida, both of Miami, 

Florida.

CAJA DE AHORROS Y MONTE 

DE PIEDAD DE MADRID

Newspaper:

Federal Register:

* 3A3 06/04/2008

05/29/2008

Hometown Banking Company, Inc., Ft. Pierce, 

Florida, to retain control of 31.26 percent of the 

voting control of all classes of common stock of 

Hometown of Homestead Banking Company, 

and its subsidiary, 1st National Bank of South 

Florida, both of Homestead, Florida.

HOMETOWN BANKING 

COMPANY, INC.

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

* 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

 876634 CAPITAL CITY BK, TALLAHASSEE, FLORIDA 01/28/2008 05/19/2008 S Large Bank

 567231 CAPITALSOUTH BK, BIRMINGHAM, ALABAMA 01/14/2008 05/04/2008 S Int Sm Bank

 2508126 FIRST GA CMNTY BK, JACKSON, GEORGIA 09/10/2007 12/31/2007 S Small Bank

 3414046 OLD SOUTHERN BK, ORLANDO, FLORIDA 05/21/2007 09/09/2007 S Small Bank

 3048861 RIVERSIDE BK OF CENT FL, WINTER PARK, FLORIDA 06/04/2007 09/24/2007 S Small Bank

 972237 TRANSATLANTIC BK, MIAMI, FLORIDA 10/15/2007 05/21/2008 S Int Sm Bank

CRA Examinations scheduled for Third Quarter of 2008 (July 1, 2008 - September 30, 2008)

Institution Location

RBC BK GA ATLANTA, GEORGIA

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

Federal Reserve Bank of Chicago

Filings received during the week ending May 24, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Bank Midwest, Spirit Lake, Iowa, to become an 

Iowa state chartered member of the Federal 

Reserve System following its conversion from a 

national bank to a state bank.

BANK MIDWEST 

MINNESOTA-IOWA, 

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

* 3A3 Not available

Not available

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

06/20/2008

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Central Arizona Bank (in 

organization), Casa Grande, Arizona.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

06/20/2008

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Sunrise Bank of Norman (in 

organization), Norman, Oklahoma.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Capitol Bancorp, Ltd., Lansing, Michigan, to 

acquire 51 percent of the voting shares of 

Forethought Federal Savings Bank, Batesville, 

Indiana, and thereby operate a savings 

association.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

4c8 Not applicable

06/10/2008

First Community Financial Partners, Inc., Joliet, 

Illinois, to continue to engage de novo in 

extending credit and servicing loans.

FIRST COMMUNITY 

FINANCIAL PARTNERS, 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 06/03/2008

05/30/2008

Notice by Mark R. Peterson, Dakota Dunes, 

South Dakota, to gain control of Liberty 

Financial Services, Inc., Sioux City, Iowa, and 

thereby indirectly Liberty National Bank, Sioux 

City, Iowa.

LIBERTY FINANCIAL SERVICES, 

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

 41245 FARMERS & MRCH BK ORFORDVILLE, ORFORDVILLE, WISCONSIN 11/26/2007 05/05/2008 S Small Bank

 686271 FIRST CHICAGO B&T, ITASCA, ILLINOIS 01/28/2008 04/18/2008 S Large Bank

 566243 GLENWOOD ST BK, GLENWOOD, IOWA 01/14/2008 04/28/2008 S Small Bank

 451246 WAYNE B&TC, CAMBRIDGE CITY, INDIANA 01/14/2008 05/01/2008 S Small Bank

CRA Examinations scheduled for Third Quarter of 2008 (July 1, 2008 - September 30, 2008)

Institution Location

BYRON BK BYRON CENTER, MICHIGAN

CHEMICAL BK MIDLAND, MICHIGAN

COLUMBUS JUNCTION ST BK COLUMBUS JUNCTION, IOWA

COMMUNITY BK ELMHURST ELMHURST, ILLINOIS

FIRST MIDWEST BK ITASCA, ILLINOIS

INDIANA B&TC COLUMBUS, INDIANA

IRWIN UNION B&TC COLUMBUS, INDIANA

LOGAN CTY BK LINCOLN, ILLINOIS

M&I MARSHALL & ILSLEY BK MILWAUKEE, WISCONSIN

MARQUETTE BK CHICAGO, ILLINOIS

NORTHERN TC CHICAGO, ILLINOIS

PRIMEBANK LE MARS, IOWA

SECURITY SVG BK EAGLE GROVE, IOWA

TOWN & CNTRY BK BUFFALO, ILLINOIS

VILLAGE B&TC ARLINGTON HEIGHTS, ILLINOIS

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

Federal Reserve Bank of St. Louis

Filings received during the week ending May 24, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 06/01/2008

establish a branch facility to be located at the 

northwest corner of the intersection of Highway 

64 and Rudy Road, Alma, Arkansas.

ARVEST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 06/02/2008

establish a branch facility located at 1404-A 

Highway 62/65 North, Harrison, Arkansas.

ARVEST BANK

* 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 Third Quarter of 2008 (July 1, 2008 - September 30, 2008)

Institution Location

BANK OF CAIRO & MOBERLY MOBERLY, MISSOURI

BANK OF HILLSBORO HILLSBORO, MISSOURI

FIRST BK CREVE COEUR, MISSOURI

FIRST CMNTY BK MARION, ARKANSAS

FIRST ST BK OF DONGOLA DONGOLA, ILLINOIS

LAWRENCEBURG BK&TC LAWRENCEBURG, KENTUCKY

SCOTT COUNTY ST BK SCOTTSBURG, INDIANA

SOUTHERN COMMERCIAL BK SAINT LOUIS, MISSOURI

TWIN CITY BK NORTH LITTLE ROCK, ARKANSAS

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending May 24, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

06/13/2008

Charter Bankshares, Inc., Eau Claire, Wisconsin, 

to acquire 100% of Peregrine Corporation, 

Chaska, Minnesota, and thereby indirectly 

acquire Community Bank Corporation, Chaska, 

Minnesota.

CHARTER BANKSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

06/05/2008

Hatton Bancshares, Inc., Hatton, North Dakota, 

to acquire 100 percent of Mahnomen 

Bancshares, Inc., Mahnomen, Minnesota, and 

thereby indirectly acquire First National Bank in 

Mahnomen, Mahnomen, Minnesota.

HATTON BANCSHARES, 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

 456157 PEOPLES BK WI, HAYWARD, WISCONSIN 01/22/2008 05/13/2008 O Int Sm Bank

CRA Examinations scheduled for Third Quarter of 2008 (July 1, 2008 - September 30, 2008)

Institution Location

DACOTAH BK ABERDEEN, SOUTH DAKOTA

FIRST WESTERN B&TC MINOT, NORTH DAKOTA

GLACIER BK KALISPELL, MONTANA

VALLEY BK OF HELENA HELENA, MONTANA

WESTERN SECURITY BK BILLINGS, MONTANA

YELLOWSTONE BK LAUREL, MONTANA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending May 24, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

06/20/2008

Downing Partnership, L.P., Ellis, Kansas, to 

acquire 12.251 percent of the voting shares of 

Equity Bancshares, Inc., parent of Equity Bank, 

N.A., both of Andover, Kansas.

DOWNING PARTNERSHIP, L.P.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Equity Bancshares, Inc., Andover, Kansas, to 

acquire 100 percent of the voting shares of Ellis 

State Bank, Ellis, Kansas.

EQUITY 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

 979151 AUBURN ST BK, AUBURN, NEBRASKA 02/04/2008 05/05/2008 S Small Bank

 295356 FIRST MTN BK, LEADVILLE, COLORADO 01/28/2008 05/01/2008 S Small Bank

CRA Examinations scheduled for Third Quarter of 2008 (July 1, 2008 - September 30, 2008)

Institution Location

AMERICAN HERITAGE BK SAPULPA, OKLAHOMA

ANADARKO B&TC ANADARKO, OKLAHOMA

FARMERS ST BK WALLACE, NEBRASKA

FIRST AMERICAN ST BK GREENWOOD VILLAGE, COLORADO

FIVE POINTS BK GRAND ISLAND, NEBRASKA

PEOPLES BK LAWRENCE, KANSAS

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Filings received during the week ending May 24, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

First Artesia Bancshares, Inc., Artesia, New 

Mexico, to acquire 100 percent of First Financial 

Services, Inc., Chaparral, New Mexico, and 

therefore to engage in lending activities 

pursuant to section 4(c)(8) of the Bank Holding 

company Act and Section 225.28(b)(1) of 

Regulation Y.

FIRST ARTESIA BANCSHARES, 

INC.

Newspaper:

Federal Register:

4c8 Not applicable

06/06/2008

McCamey Financial Corporation, Odessa, 

Texas, and McCamey Financial Delaware 

Corporation, Dover, Delaware, to acquire 

indirectly through its 100 percent-owned bank 

subsidiary, Security State Bank, Odessa, Texas, 

a 70 percent investment in Venture Finance LLC, 

Midland, Texas, and thereby engage in lending 

activities pursuant to Section 225.28(b)(1) of 

Regulation Y.

MCCAMEY FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC 06/14/2008

06/03/2008

Notice by Mr. Murph M. Compton, Mr. Murph 

M. Compton, Jr. (individually and as trustee of 

the Alexander Marie Compton Trust and the 

Barrett Wesley Compton Trust), both of 

Menard, Texas, and Ms. Mary Margaret 

McDonald (individually and as trustee of the 

Elizabeth Ann McDonald Trust and the Wade 

Compton McDonald Trust), Plano, Texas; to 

acquire an interest in Menard Bancshares, Inc., 

Menard, Texas, and thereby indirectly acquire 

Menard National Bank, Menard, Texas.

MENARD BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Carolyn V. Kothmann, Menard, 

Texas, Carl G. Kothmann, Menard, Texas, Benny 

F. Kothmann, Menard, Texas, Dora L. Wright, 

Menard, Texas, Stanley C. Kothmann, 

Southlake, Texas, LaVerne C. Kothmann, 

Menard, Texas, and Kaddo F. Kothmann, 

Garden City, Texas, to acquire an interest in 

Menard Bancshares, Inc., Menard, Texas, and 

thereby indirectly acquire Menard National 

Bank, Menard, Texas.

MENARD BANCSHARES, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 238755 FIRST ST BK, MINERAL WELLS, TEXAS 01/28/2008 05/12/2008 S Small Bank

 423458 SOUTHWEST BK, FORT WORTH, TEXAS 02/25/2008 06/16/2008 S Int Sm Bank

CRA Examinations scheduled for Third Quarter of 2008 (July 1, 2008 - September 30, 2008)

Institution Location

BANK OF THE WEST EL PASO, TEXAS

COMERICA BK DALLAS, TEXAS

INDEPENDENT BK OF TX IRVING, TEXAS

SECURITY BK RALLS, TEXAS

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Filings received during the week ending May 24, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

06/09/2008

Bank of Whitman Employee Stock Ownership 

Plan, Colfax Washington, to acquire 56 percent 

of Whitman Bancorporation Incorporated, 

Colfax, Washington, and thereby indirectly 

acquire Whitman Bank, Colfax, Washington.

BANK OF WHITMAN 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

* 3A1 06/13/2008

06/09/2008

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund-A, L.P., Carpenter Community 

Bancfund, L.P., and Carpenter Community 

Bancfund CA, L.P., all of Irvine, California, to 

become bank holding companies by acquiring 

24.3 percent of Mission Community Bancorp, 

and thereby its subsidiary, Mission Community 

Bank, both of San Luis Obispo, California.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

* 3A1 06/09/2008

05/26/2008

Gateway Pacific Bancorp to become a bank 

holding company by acquiring 100 percent of 

Gateway Pacific Bank (In Organization), both of 

National City, California.

GATEWAY PACIFIC BANCORP

Newspaper:

Federal Register:

* 3A1 06/09/2008

05/22/2008

La Jolla Pacific Bancorp to become a bank 

holding company by acquiring 100 percent of 

Home Bank of California, both of San Diego, 

California.

LA JOLLA PACIFIC BANCORP

Newspaper:

Federal Register:

CIC 06/03/2008

05/29/2008

Notice by Linda Louise Yanke, Meridian, Idaho, 

and Brian Scott Norby, Daniel Ronald Yanke, 

Nathan Daniel Yanke, and Carl Ron Yanke, all of 

Boise, Idaho, to retain 18.94 percent of Silver 

State Bancorp, and thereby indirectly control its 

subsidiary, Silver State Bank, both of 

Henderson, Nevada.

SILVER STATE 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 Third Quarter of 2008 (July 1, 2008 - September 30, 2008)

Institution Location

BARNES BKG CO KAYSVILLE, UTAH

COMMUNITY BK OF NV LAS VEGAS, NEVADA

EAST WEST BK PASADENA, CALIFORNIA

GOLD CANYON BK GOLD CANYON, ARIZONA

UNITED SCTY BK FRESNO, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act