Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 9

Week Ending March 3, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions February 25, 2007 to March 3, 2007

Testimony And Statements

The Aging Workforce -- testimony by Vice Chairman Kohn before Senate Special 

Committee on Aging.

- Published, February 28, 2007 

Long-term Fiscal Challenges and the Economy -- statement by Chairman Bernanke 

before the House Committee on the Budget.

- Published, February 28, 2007 

Bank Holding Companies

Community Bankshares, Inc., Greenwood Village, Colorado -- to acquire Citizens 

Financial Corporation, Cortez, and The Citizens State Bank of Cortez.

- Approved, March 1, 2007 

Regulations And Policies

Interagency Statement on Subprime Mortgage Lending -- publication for comment 

to address safety and soundness and consumer disclosure issues related to certain 

adjustable-rate mortgage products marketed to subprime borrowers.

- Approved, March 2, 2007 

Enforcement

Bank of America Corporation, Charlotte, North Carolina -- written agreement dated 

February 9, 2005, terminated February 27, 2007.

- Announced, February 27, 2007 

(AC) = Addition or Correction Board - Page 1 of 1
February 25, 2007 to March 3, 2007

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

The Bank of Fayette County, Moscow, Tennessee -- to establish a branch at 25205 

Highway 57, Grand Junction.

- Approved, February 28, 2007 

St. Louis

The Brand Banking Company, Lawrenceville, Georgia -- to establish branches at 

2255 Buford Highway, Buford, and 6225 Sugarloaf Parkway, Duluth.

- Approved, March 1, 2007 

Atlanta

Community First Bank, Prineville, Oregon -- to establish a branch at 550 Northwest 

Franklin Avenue, Bend.

- Approved, March 1, 2007 

San Francisco

Cornerstone Bank, York, Nebraska -- to establish a branch at 810 North Diers 

Avenue, Grand Island.

- Approved, March 2, 2007 

Kansas City

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 10150 West Sprague 

Road, Parma.

- Approved, February 27, 2007 

Cleveland

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 972 East 185th Street, 

Cleveland.

- Approved, February 27, 2007 

Cleveland

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 1010 Old Diley Road, 

Pickerington.

- Approved, February 27, 2007 

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority February 25, 2007 to March 3, 2007

Bank Branches, Domestic

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 1616 West 117th 

Street, Lakewood.

- Approved, February 27, 2007 

Cleveland

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 8028 North Dixie 

Drive, Dayton.

- Approved, February 27, 2007 

Cleveland

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 28953 Euclid Avenue, 

Wickliffe.

- Approved, February 27, 2007 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2100 West 

Stadium Boulevard, Ann Arbor.

- Approved, February 27, 2007 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 3927 West 

Eight Mile Road, Detroit.

- Approved, February 27, 2007 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1833 Coolidge 

Highway, Berkley.

- Approved, February 27, 2007 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 19111 

Telegraph Road, Detroit.

- Approved, February 27, 2007 

Cleveland

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority February 25, 2007 to March 3, 2007

Bank Branches, Domestic

First American Bank, Fort Dodge, Iowa -- to establish a branch at 640 Highway 1 

West, Iowa City.

- Approved, March 1, 2007 

Chicago

The First State Bank and Trust Company of Larned, Larned, Kansas -- to establish a 

branch at 7206 College Boulevard, Overland Park.

- Approved, March 1, 2007 

Kansas City

HomeFederal Bank, Columbus, Indiana -- to establish a branch at 1901 Taylor Road.

- Approved, February 26, 2007 

Chicago

TriSummit Bank, Kingsport, Tennessee -- to establish a branch at 425 State Street, 

Bristol, Virginia.

- Approved, February 26, 2007 

Atlanta

WesBanco Bank, Inc., Wheeling, West Virginia -- to establish a branch at 100 

Cabela Drive, Triadelphia.

- Approved, March 2, 2007 

Cleveland

Bank Holding Companies

Central Bancompany, Jefferson City, Missouri -- to acquire Twenty-First Century 

Financial Services Company, Tulsa, Oklahoma, and thereby acquire ONB Bank and 

Trust Company.

- Approved, March 2, 2007 

St. Louis

Columbian Financial Corporation, Overland Park, Kansas -- to acquire The Bank, 

Weatherford, Texas.

- Approved, March 1, 2007 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority February 25, 2007 to March 3, 2007

Bank Holding Companies

First Berne Financial Corporation, Berne, Indiana -- to engage de novo in extending 

credit and servicing loans.

- Approved, February 27, 2007 

Chicago

FSB Bancorp, Inc., Sioux Falls, South Dakota -- to become a bank holding 

company and to acquire The Farmers State Bank of Turton, Turton.

- Withdrawn, March 2, 2007 

Minneapolis

HNB Bancorp Inc., Halifax, Pennsylvania -- to become a bank holding company 

and to acquire Halifax National Bank.

- Approved, February 28, 2007 

Philadelphia

Millennium Bancorp, Inc., Morton Grove, Illinois -- to become a bank holding 

company and to acquire Millennium Bank, Des Plaines, a de novo bank.

- Approved, February 27, 2007 

Chicago

New England Bancshares, Inc., Enfield, Connecticut -- to become a bank holding 

company and to acquire First Valley Bancorp, Inc., Bristol, and Valley Bank, and to 

retain Enfield Federal Savings and Loan Association, Enfield.

- Approved, March 1, 2007 

Boston

New Hampshire Thrift Bancshares, Inc., Newport, New Hampshire -- waiver of 

application to merge with First Brandon Financial Corporation, Brandon, Vermont, 

in connection with the merger of First Brandon National Bank and Lake Sunapee 

Bank, fsb, Newport, New Hampshire.

- Withdrawn, February 26, 2007 

Boston

Partnership Community Bancshares, Inc., Tomah, Wisconsin -- to become a bank 

holding company and to acquire 91 percent of the shares of The Bancorp of Tomah, 

Inc., and thereby indirectly acquire First Bank.

- Approved, March 2, 2007 

Chicago

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority February 25, 2007 to March 3, 2007

Bank Holding Companies

Wachovia Corporation, Charlotte, North Carolina -- waiver of remainder of 

notification period for the proposed investment by Wachovia Bank, N.A. in a de 

novo foreign bank, Wachovia Bank International, Dublin, Ireland.

- Granted, March 1, 2007 

Director, BS&R

Bank Mergers

Sterling Banks, Inc., Mount Laurel, New Jersey -- to become a bank holding 

company and to acquire Sterling Bank; and for Sterling Bank to merge with Peoples 

Savings Bank, Bordentown, in connection with the acquisition of its parent, 

Farnsworth Bancorp, Inc., by Sterling Banks, Inc. as part of a reorganization.

- Approved, February 28, 2007 

Philadelphia

Bank Premises

Bank of Hillsboro, Hillsboro, Missouri -- to increase its investment in bank 

premises.

- Approved, March 1, 2007 

St. Louis

Somerset Trust Company, Somerset, Pennsylvania -- to make an additional 

investment in bank premises.

- Approved, February 26, 2007 

Cleveland

Change In Bank Control

Bryn Mawr Bank Corporation, Bryn Mawr, Pennsylvania -- change in bank control.

- Permitted, February 27, 2007 

Philadelphia

Western Holding Company of Wolf Point, Wolf Point, Montana -- change in bank 

control.

- Permitted, March 2, 2007 

Minneapolis

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority February 25, 2007 to March 3, 2007

Extensions Of Time

American Heritage Bank, Sapulpa, Oklahoma -- extension to June 30, 2007, to 

establish a branch at the intersection of 71st Street South and South Union Avenue, 

Tulsa.

- Granted, March 1, 2007 

Kansas City

BT Holdings, Inc., Quitman, Texas -- extension to June 7, 2007, to become a bank 

holding company and to acquire Quitman Bancorporation, Inc. and indirectly 

acquire Quitman Bancorporation of Delaware, Inc., Wilmington, Delaware, and 

Bank Texas, National Association, Quitman.

- Granted, March 2, 2007 

Dallas

First Citrus Bancorporation, Inc., Tampa, Florida -- extension to July 16, 2007, to 

become a bank holding company and to acquire First Citrus Bank.

- Granted, February 28, 2007 

Atlanta

First Option Bank, Osawatomie, Kansas -- extension to July 19, 2007, to establish a 

branch at 223rd Street and Price Chopper Drive, Spring Hill.

- Granted, March 2, 2007 

Kansas City

Industry Bancshares, Inc., Industry, Texas, and Industry Holdings, Inc., 

Wilmington, Delaware -- extension to June 20, 2007, to acquire Community 

Bancorporation, Inc., Bellville, Texas, and indirectly acquire Bellville Holdings, 

Inc., Wilmington, Delaware, and First National Bank of Bellville, Bellville.

- Granted, March 2, 2007 

Dallas

TrustAtlantic Financial Corporation, Raleigh, North Carolina -- extension to June 6, 

2007, to become a bank holding company and to acquire Millennia Community 

Bank, Greenville.

- Granted, February 28, 2007 

Richmond

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority February 25, 2007 to March 3, 2007

Financial Holding Companies

FCB Bancshares, Inc., Cullman, Alabama -- election to become a financial holding 

company.

- Effective, February 27, 2007 

Atlanta

Nexity Financial Corporation, Birmingham, Alabama -- election to become a 

financial holding company.

- Effective, February 27, 2007 

Atlanta

Western Alliance Bancorporation, Las Vegas, Nevada -- election to become a 

financial holding company.

- Effective, March 2, 2007 

San Francisco

Membership

CapitalMark Bank & Trust, Chattanooga, Tennessee, a de novo bank -- to become a 

member of the Federal Reserve System.

- Approved, March 2, 2007 

Atlanta

(AC) = Addition or Correction Delegated - Page 7 of 7
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending March 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

* 3A3 03/26/2007

Butler Bancorp, MHC and Butler Bancorp,

Inc., both of Lowell, Massachusetts, to acquire

Marlborough Bancorp, MHC and its subsidiary

bank, Marlborough Co-operative Bank, both of

Marlborough, Massachusetts, pursuant to

sections 3(a)(3) and 3(a)(5) of the Bank

Holding Company Act of 1956, as amended.

BUTLER BANCORP, MHC

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5

4c8

Not available

Chittenden Corporation, Burlington, Vermont

to acquire: i) Merrill Merchants Bancshares,

Inc. and Merrill Merchants Bank, both of

Bangor, Maine, pursuant to sections 3(a)(3)

and 3(a)(5) of the BHC Act; and ii) greater

than 5% of M&M Consulting Limited Liability

Company, Bangor, Maine and Profit

Protection, L.L.C., Fort Lauderdale, Florida

pursuant to section 4(c)(8) of the BHC Act.

CHITTENDEN CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Chittenden Corporation to acquire greater than

5% of M&M Consulting Limited Liability

Company, Bangor, Maine and Profit

Protection, L.L.C., Fort Lauderdale, Florida

pursuant to sections 4(c)(8) and 4(j) of the

BHC Act.

CHITTENDEN CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

02/12/2007

Merrimack Bancorp, MHC, Concord, New

Hampshire to acquire 100% of the voting

shares of Bow Mills Bank, Bow, New

Hampshire pursuant to section 3(a)(3) of the

BHC Act.

MERRIMACK 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 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 March 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

03/23/2007

Amboy Bancorporation Employee Stock

Ownership Plan requests approval to become a

bank holding company, pursuant to Section

3(a)(1) of the BHC Act of 1956 and Section

225.15 of Regulation Y, by acquiring up to

26% of the common stock of Amboy

Bancorporation, both of Old Bridge, New

Jersey.

AMBOY BANCORPORATION

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Chemung Canal Trust Company, Elmira, New

York, pursuant to Section 18(c) of the Federal

Deposit Insurance Act, to merge with Partners

Interim Bank, a wholly-owned subsidiary of

Partners Trust Bank ("Partners Trust"), both of

Utica, New York, and thereby acquire certain

trust accounts from Partners Trust.

CHEMUNG CANAL TRUST

COMPANY

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

China Merchants Bank Co., Ltd.,Shenzhen,

Peoples Republic of China is applying to

establish a branch, under Section 211.24(a)(1)

of Regulation K, in New York.

CHINA MERCHANTS BANK

CO. LTD.

* 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 March 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending March 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

PNC Financial Services Group, Inc.,

Pittsburgh,Pennsylvania, through its

wholly-owned subsidiary PFPC Worldwide,

Inc., is seeking a banking license for its

existing Dublin, Ireland subsidiary PFPC

Trustee & Custodial Services Limited pursuant

to sections 211.9(e) and (f) of Regulation K

PNC FINANCIAL SERVICES

GROUP, INC., THE

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Application by The State Bank and Trust

Company, Defiance, OH to merge with The

Exchange Bank, Luckey, OH pursuant to

Section 18(c) of the Federal Deposit Insurance

Act.

STATE BANK AND TRUST

COMPANY, THE

* 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 March 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of the Commonwealth, Norfolk, 03/10/2007

Virginia, proposes to establish a branch at 562

Carotoke Highway, Moyock, North Carolina.

BANK OF THE

COMMONWEALTH

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of the Commonwealth, Norfolk, 03/10/2007

Virginia, proposes to establish a branch at

1304 Greenbrier Parkway, Chesapeake,

Virginia.

BANK OF THE

COMMONWEALTH

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Virginia Business Bank, Richmond, Virginia,

requests permission to provide a courier service

to pick up deposits from customers.

VIRGINIA BUSINESS 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 March 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 04/03/2007

03/29/2007

Banco de Sabadell, S.A., Sabadell, Spain, to

become a bank holding company by acquiring

100 percent of the outstanding shares of

TransAtlantic Holding Corp., and thereby

acquire its subsidiary, TransAtlantic Bank,

both of Miami, Florida.

BANCO DE SABADELL, S.A.

Newspaper:

Federal Register:

* Branch

Not applicable

BankEast, Knoxville, Tennessee, to establish a 03/12/2007

branch located at 10626 Hardin Valley Road,

Knoxville, Tennessee.

BANKEAST

Newspaper:

Federal Register:

* 3A1 03/21/2007

03/23/2007

Calusa Financial Corporation, Punta Gorda,

Florida, to become a bank holding company by

acquiring 100 percent of the outstanding shares

of Calusa National Bank, Punta Gorda, Florida

(in organization).

CALUSA FINANCIAL

CORPORATION, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Capital City Bank, Tallahassee, Florida, to 03/10/2007

establish branches at the following locations:

6200 Skipper Road, Macon, Georgia; and 7153

Broad Street, Brooksville, Florida.

CAPITAL CITY BANK

Newspaper:

Federal Register:

* 3A1 03/28/2007

03/30/2007

CNBS Financial Group, Inc., to acquire 100

percent of the outstanding shares of

Community National Bank of the South (in

organization), both of Lake Mary, Florida.

CNBS FINANCIAL GROUP,

INC.

Newspaper:

Federal Register:

* 3A5 04/01/2007

03/26/2007

The Colonial BanGroup, Inc., Montgomery,

Alabama, to merge with Commercial

Bankshares, Inc., and its subsidiary,

Commercial Bank of Florida, both of Miami,

Florida.

COLONIAL BANCGROUP,

INC., THE

Newspaper:

Federal Register:

* 3A1 03/28/2007

03/30/2007

Community Holding Company of Florida, Inc.,

Miramar Beach, Florida, to become a bank

holding company by acquiring 100 percent of

the outstanding shares of Community Bank,

Destin, Miramar Beach, Florida (in

organization).

COMMUNITY HOLDING

COMPANY OF FLORIDA, INC.

Newspaper:

Federal Register:

* 3A5 03/29/2007

04/02/2007

Greene County Bancshares, Inc., Greeneville,

Tennessee, to merge with Civitas BankGroup,

Inc., and thereby acquire its subsidiary,

Cumberland Bank, both of Franklin,

Tennessee.

GREENE COUNTY

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

03/08/2007

NBOG Bancorporation, Inc., Gainesville,

Georgia, prior change in control filed by

William R. Blanton, Alpharetta, Georgia, to

acquire 54.7 percent of the outstanding shares

of National Bank of Gainesville, Gainesville,

Georgia.

NBOG BANCORPORATION,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Old Southern Bank, Orlando, Florida, to 03/09/2007

establish a branch located approximately 400

feet south of the intersection of S.R. 434 and

the east side of Montgomery Road, Altamonte

Springs, Florida.

OLD SOUTHERN BANK

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

Federal Reserve Bank of Atlanta

Filings received during the week ending March 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/29/2007

03/22/2007

United Americas Bankshares, Inc., Atlanta,

Georgia, after-the-fact change in control notice

filed by Mr. Salvador Diaz-Verson, Sarasota,

Florida, to retain 17.05 percent of the

outstanding shares of United Americas

Bankshares, Inc., and its subsidiary, United

Americas Bank, N.A., both of Atlanta,

Georgia.

UNITED AMERICAS

BANKSHARES, INC.

Newspaper:

Federal Register:

* 3A5 03/20/2007

03/29/2007

United Community Banks, Inc., Blairsville,

Georgia, to merge with Gwinnett Commercial

Group, Inc. and thereby acquire its subsidiary,

First Bank of South, both of Lawrenceville,

Georgia.

UNITED COMMUNITY

BANKS, INC.

* 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 March 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

1st Source Bank, South Bend, Indiana, to 02/28/2007

establish two branch facilities to be located at

133 North 4th Street, Lafayette, Indiana and

401 North 4th Street, Lafayette, Indiana.

1ST SOURCE BANK

Newspaper:

Federal Register:

* 3A3 Not available

03/23/2007

Associated Banc-Corp., Green Bay, Wisconsin,

to acquire 100 percent of the voting shares of

First National Bank of Hudson, Woodbury,

Minnesota.

ASSOCIATED BANC-CORP

Newspaper:

Federal Register:

* 3A3 Not available

03/22/2007

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

to $500,000 in additional shares of

Washington Bancorp, Washington, Iowa, and

thereby indirectly increase its interest in

Washington Bancorp's subsidiary, Federation

Bank, Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 02/28/2007

four branch facilities to be located at: 2000

Avenue of the Stars, Los Angeles, California,

1802 Garnet Avenue, San Diego, California,

370 Green Road, Houston, Texas, and 6412

San Felipe Street, Houston, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 03/23/2007

03/22/2007

Community State Bank Employee Stock

Ownership Plan and Trust, Union Grove,

Wisconsin, to increase its ownership of Union

Bancorporation, Inc., Union Grove, Wisconsin,

to 35.52 percent of the voting shares, and

thereby increase its indirect ownership of

Community State Bank, Union Grove,

Wisconsin.

COMMUNITY STATE BANK

EMPLOYEE STOCK

OWNERSHIP PLAN AND

TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

First American Bank, Fort Dodge, Iowa, to 01/29/2007

establish a branch facility to be located at 640

Highway 1 West, Iowa City, Iowa.

FIRST AMERICAN BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Isabella Bank and Trust, Mt. Pleasant,

Michigan, to merge with FSB Bank,

Breckenridge, Michigan, and thereby to

establish 5 branches.

ISABELLA BANK AND TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

Johnson Bank, Racine, Wisconsin, to establish 03/05/2007

a branch facility to be located at 2021 Cenex

Drive, Rice Lake, Wisconsin.

JOHNSON BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Johnson Bank, Racine, Wisconsin, to establish 03/05/2007

a branch facility to be located at 7401 144th

Avenue, Kenosha, Wisconsin.

JOHNSON BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee,

Wisconsin, to acquire certain of the assets and

assume certain of the liabilities of Fidelity

Bank, Norcross, Georgia, and thereby to

establish a branch at 640 East SR 434,

Longwood, Florida.

M&I MARSHALL & ILSLEY

BANK

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

Federal Reserve Bank of Chicago

Filings received during the week ending March 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee,

Wisconsin, to merge with United Heritage

Bank, Orlando, Florida, and thereby to

establish 13 branches.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* 18C Not available

Not applicable

M&I Marshall & Ilsley Bank, Milwaukee,

Wisconsin, to acquire substantially all of the

assets and assume substantially all of the

liabilitieis of United Heritage Bank, Orlando,

Florida.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Minier Financial, Inc. Employee Stock

Ownership Plan w/401(k) Provisions, Minier,

Illinois, to increase its ownership of Minier

Financial, Inc., Minier, Illinois, to up to 26

percent or more, and thereby increase its

indirectly ownership of First Farmers State

Bank, Minier, Illinois.

MINIER FINANCIAL, INC.

EMPLOYEE STOCK

OWNERSHIP PLAN W/401(K)

PROVISIONS

* 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

2339795 LIBERTYVILLE B&TC, LIBERTYVILLE, ILLINOIS 09/25/2006 02/12/2007 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 March 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 03/14/2007

03/13/2007

Cabool State Bank Employee Stock Ownership

Plan, Cabool, Missouri, to acquire an

additional 2 percent, for total ownership of

30.36 percent, of Cabool Bancshares, Inc.,

Cabool, Missouri, and thereby indirectly

acquire Cabool State Bank, Cabool, Missouri.

CABOOL STATE BANK

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A1 03/26/2007

03/26/2007

Cedar Bancorp, Inc., Mt. Vernon, Illinois, to

become a bank holding company by acquiring

100 percent of Jeff City Bancorp, Inc., Mt.

Vernon, Illinois, and thereby indirectly acquire

First National Bank of Mount Vernon, Mt.

Vernon, Illinois.

CEDAR BANCORP, INC.

Newspaper:

Federal Register:

CIC 03/23/2007

03/22/2007

Notice by Mitchell J. Bennett, Falls of the

Rough, Kentucky, in his individual capacity, to

gain control of Farmers Bancshares, Inc.,

Hardinsburg, Kentucky. Also, notice by the

Bennett Family Control Group to retain control

of Farmers Bancshares, Inc., Hardinsburg,

Kentucky. The Bennett Family Control Group

consists of Mitchell J. Bennett, Mitchell

Bennett, Pam Bennett, and Mason Bennett, all

of Falls of the Rough, Kentucky; Charles D.

Bennett, Jeanette Bennett, and Annette Martin,

all of Hardinsburg, Kentucky; David C.

Bennett, Maria L. Bennett, Roark Wilson,

Sienna Wilson, and the C & J Bennett Family

Limited Partnership, all of Leitchfield,

Kentucky; Matthew Burden and Zander

Burden, both of Atlanta, Georgia; Rebecca

Bennett, Bowling Green, Kentucky; and Sarah

Bennett, Gardner, Colorado.

FARMERS BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A1 03/29/2007

03/26/2007

Freedom Bancorp, Huntingburg, Indiana, to

become a bank holding company by acquiring

100 percent of Freedom Bank, Huntingburg,

Indiana.

FREEDOM BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Tri-County Holdings, Inc., Dongola, Illinois, to

become a bank holding company by acquiring

100 percent of First State Bank of Dongola,

Dongola, Illinois.

Tri-County Holdings, Inc.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending March 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

BlackRidge Financial, Inc., Fargo, North

Dakota, to acquire 100 percent of

BlackRidgeBANK, Fargo, North Dakota, a de

novo bank.

BLACKRIDGE FINANCIAL,

INC.

Newspaper:

Federal Register:

* 3A1 03/03/2007

03/16/2007

Citizens Bancorp, Inc., Cadott, Wisconsin, to

become a bank holding company by acquiring

100 percent of Citizens State Bank, Cadott,

Wisconsin.

CITIZENS BANCORP, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

State Bank Financial, La Crosse, Wisconsin,

proposes to purchase the assets and assume the

liabilities of the Sparta, Wisconsin, branch of

Acuity Bank, Tomah, Wisconsin, and incident

thereto establish a branch at 203 West

Wisconsin, Sparta, Wisconsin.

STATE BANK FINANCIAL

* 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 March 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Bank of Blue Valley, Overland Park, Kansas, 03/05/2007

to purchase certain assets and assume certain

liabilities of the 9500 Lackman Road branch of

Northland National Bank, Gladstone,

Missouri, and incident thereto, to establish a

branch.

BANK OF BLUE VALLEY

Newspaper:

Federal Register:

CIC Not available

03/16/2007

Notification by Jeffrey G. Dawson Revocable

Trust dated 6-10-05, Mound City, Kansas,

Jeffrey G. Dawson, trustee, to retain control of

Cunningham Agency, Inc., parent of Farmers

and Merchants Bank of Mound City, both in

Mound City, Kansas, through the acquisition

of voting shares.

CUNNINGHAM AGENCY, INC.

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Farmers Bank of Lincoln, Lincoln, Missouri,

to increase its investment in bank premises in

the amount of $1,500,000.

FARMERS BANK OF LINCOLN

Newspaper:

Federal Register:

* 3A1 03/09/2007

03/05/2007

First Colorado Financial Corp., Paonia,

Colorado, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of First National Bank of Paonia,

Paonia, Colorado.

FIRST COLORADO

FINANCIAL CORP.

Newspaper:

Federal Register:

* 3A3 Not available

03/23/2007

Application by First National of Illinois, Inc.,

Omaha, Nebraska, to acquire 100 percent of

the voting shares of First Marengo Financial

Corporation, parent of First National Bank of

Marengo, both in Marengo, Illinois.

Application filed by First National of

Nebraska, Inc., and Lauritzen Corporation,

both of Omaha, Nebraska, to indirectly acquire

100 percent of the voting shares of First

Marengo Financial Corporation, Marengo,

Illinois, parent of First National Bank of

Marengo, Marengo, Illinois.

FIRST NATIONAL OF

ILLINOIS, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

The First State Bank and Trust Company of 02/24/2007

Larned, Kansas, to establish a branch at 7206

College Boulevard, Overland Park, Kansas.

FIRST STATE BANK AND

TRUST COMPANY OF

LARNED, THE

Newspaper:

Federal Register:

CIC 03/06/2007

03/08/2007

Notification by Pella Fingersh Hillcrest Stock

Trust and Trust #2 for Julie Fingersh, Pella

Fingersh, Naples, Florida, trustee; Julie

Fingersh Hillcrest Stock Trust, Julie Fingersh,

San Rafael, California, trustee; Paul Fingersh

Hillcrest Stock Trust, Paul Fingersh, Kansas

City, Missouri, trustee; and Jack N. Fingersh

Family Trust and Indenture of Trust of Jack

Fingersh, dated 8-21-92, Jack Fingersh,

Naples, Florida, trustee; and JPJ Investments,

and FT Partners, LP, both in Kansas City,

Missouri and controlled by Jack Fingersh; to

retain control of Hillcrest Bancshares, Inc.,

parent of Hillcrest Bank, both in Overland

Park, Kansas, through the acquisition of voting

shares.

HILLCREST 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 March 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 03/23/2007

03/23/2007

Pinnacle Bancorp, Inc., Central City,

Nebraska, to acquire 100 percent of the voting

shares of Farmers and Merchants Bank,

Imperial, Nebraska.

PINNACLE BANCORP, 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending March 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/16/2007

Notice by J & V Grist Family, Ltd., Andrews,

Texas, and general partner, Mr. John E. Grist,

Andrews, Texas, to acquire 75.19 percent of

Andrews Holding Company, Andrews, Texas,

and indirectly Commercial State Bank,

Andrews, Texas.

ANDREWS HOLDING

COMPANY

Newspaper:

Federal Register:

CIC 03/26/2007

03/16/2007

Notice by Mr. Todd A. Seib, Dallas, Texas;

Mr. Jonathan C. Seib, Dallas, Texas; and Mr.

James A. Priebe, Plano, Texas; to acquire up to

99.89 percent of Gulfport Bancshares of

Delaware, Inc., Richwood, Texas, and

indirectly Brazos National Bank, Richwood,

Texas.

GULFPORT BANCSHARES OF

DELAWARE, INC.

Newspaper:

Federal Register:

CIC 03/15/2007

03/12/2007

Notice filed (as a group acting in concert) by

Mr. James E. Baxter, II, Richmond, Virginia,

Ms. Betty L. Baxter, Midlothian, Virginia, Mr.

James E. Baxter, Spent Spring, Virginia, Mr.

John W. Wright, Richmond, Virginia, Mr.

Curt D. Angstadt, Glen Allen, Virginia, and

Ms. Debra J. Angstadt, Glen Allen, Virginia,

(self-identified as the "Baxter Group") to

acquire a controlling interest in Premier

Bancshares, Inc., Garland, Texas, and

therefore indirectly, Synergy Bank, State

Savings Bank, Waco, Texas.

PREMIER BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 4c8 Not available

Woodforest Financial Group, Inc., The

Woodlands, Texas, to acquire 100 percent of

Olympic Savings, SSB, Refugio, Texas, a state

savings bank. Upon consummation of the

proposed acquisition, Woodforest will convert

Olympic Bank into a federal savings bank and

change its name to Woodforest Bank, FSB,

Refugio, Texas. Applicant filed a 3(a)(3) to

acquire Olympic Bank, which will be a "bank"

at the time of acquisition. Applicant filed an

accompanying Section 4(c)(8) application to

operate the target Bank as a "thrift", pursuant

to Section 225.28(b)(4)(ii) of Regulation Y,

following its conversion to a federal savings

bank.

WOODFOREST FINANCIAL

GROUP, 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 March 3, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Sacramento, Sacramento, California, 03/09/2007

to establish a branch facility temporarily at

1508 Eureka Road with the permanent branch

to be located at 1478 Stone Point Drive, both of

Roseville, California.

BANK OF SACRAMENTO

Newspaper:

Federal Register:

* 3A5 Not available

04/02/2007

Banner Corporation, Walla Walla,

Washington, to merge with San Juan Financial

Holding Company and thereby indirectly

acquire its subsidiary, Islanders Bank, both of

Friday Harbor, Washington.

BANNER CORPORATION

Newspaper:

Federal Register:

CIC 03/18/2007

02/28/2007

Notice by R. Scott Priest, Layton, Utah, to

retain his ownership of 15.55 percent of

Centennial Bankshares, Inc., and thereby

indirectly control its subsidiary, Centennial

Bank, both of Ogden, Utah.

CENTENNIAL BANKSHARES,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Community First Bank, Prineville, Oregon, to 02/26/2007

establish a branch facility at 550 NW Franklin

Avenue, 4th Floor, Bend, Oregon.

COMMUNITY FIRST BANK

Newspaper:

Federal Register:

* 3A3 Not available

04/02/2007

Franklin Resources, Inc., San Mateo,

California, to retain 8.11 percent of Coast

Financial Holdings, Inc., and thereby indirectly

retain its subsidiary, Coast Bank of Florida,

both of Bradenton, Florida.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Presidio Bank, San Francisco, California, to 03/14/2007

establish a branch facility at 703 2nd Street,

Santa Rosa, California.

PRESIDIO BANK

Newspaper:

Federal Register:

* 3A3 03/31/2007

04/02/2007

Wells Fargo & Company, San Francisco,

California, to acquire 100 percent of Placer

Sierra Bancshares, Sacramento, California,

and thereby indirectly acquire Placer Sierra

Bank, Auburn, California.

WELLS FARGO & COMPANY

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act