Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 11 

Week Ending March 15, 2008

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

Frandsen Financial Corporation, Arden Hills, Minnesota -- commenter's request for 

reconsideration of the Board's approval of the application to acquire First National 

Bank of Montgomery, Montgomery.

- Denied, March 14, 2008

The Toronto-Dominion Bank, Toronto, Canada -- to acquire Commerce Bancorp, 

Inc., Cherry Hill, New Jersey, and its subsidiaries, Commerce Bank/North, Ramsey, 

and Commerce Bank, N.A., Philadelphia, Pennsylvania; and to acquire Commerce 

Bancorp's minority interest in Pennsylvania Commerce Bancorp, Inc., Harrisburg, 

and Commerce Bank/Harrisburg, N.A., Lemoyne.

- Approved, March 13, 2008

Regulations And Policies

Securities Lending Program -- establishment of a term securities lending facility to 

lend through an auction process up to $200 billion of Treasury securities to primary 

dealers secured for a term of 28 days by a pledge of other securities.

- Approved, March 11, 2008

H.2 Board Actions March 9, 2008 to March 15, 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

March 9, 2008 to March 15, 2008

Bank Branches, Domestic

1st Source Bank, South Bend, Indiana -- to merge with First National Bank of 

Valparaiso, Valparaiso, Indiana, and thereby establish seventeen branches.

Chicago

- Approved, March 14, 2008

Compass Bank, Birmingham, Alabama -- to establish a branch at 7205 Forest Oaks 

Boulevard, Spring Hill, Florida.

Atlanta

- Approved, March 12, 2008

First State Bank of Warner, Warner, South Dakota -- to establish a branch at 2201 

6th Avenue Southeast, Aberdeen.

Minneapolis

- Approved, March 12, 2008

Orange County Trust Company, Middletown, New York -- to establish a branch at 80 

North Plank Road, Newburgh.

New York

- Approved, March 14, 2008

Wilmington Trust Company, Wilmington, Delaware -- to establish a branch at 600 

Jimmy Drive, Smyrna.

Philadelphia

- Approved, March 14, 2008

(A/C) = Addition or Correction Delegated - 1 of 4
Bank Holding Companies

DKB Bancshares, Inc., Birch Tree, Missouri -- to become a bank holding company 

and to acquire Bank of Birch Tree.

St. Louis

- Approved, March 12, 2008

Madison Community Bancshares Corporation, Madison, Florida -- to acquire shares 

of MCB Financial Services, LLC, and thereby engage in making, acquiring, 

brokering, or servicing loans or other extensions of credit.

Atlanta

- Approved, March 12, 2008

Merchants & Marine Bancorp, Inc., Pascagoula, Mississippi -- to become a bank 

holding company and to acquire Merchants & Marine Bank, Pascagoula.

Atlanta

- Approved, March 13, 2008

Milton Bancorp, Inc., Wellston, Ohio -- to acquire Community First Financial 

Bancorp, Inc., New Holland, and thereby acquire The First National Bank of New 

Holland.

Cleveland

- Approved, March 12, 2008

United Bancshares, Inc., Garden City, Kansas -- to become a bank holding company 

and to acquire Garden City State Bank.

Kansas City

- Approved, March 13, 2008

H.2 Actions under delegated authority March 9, 2008 to March 15, 2008

(A/C) = Addition or Correction Delegated - 2 of 4
Banks, State Member

RBC Centura Bank, Raleigh, North Carolina -- to merge with Alabama Exchange 

Bank, Tuskegee, Alabama; Community Bank of Naples, National Association, 

Naples, Florida; The Peachtree Bank, Duluth, Georgia; Florida Choice Bank, Mount 

Dora, Florida; Indian River National Bank, Vero Beach, Florida; First American 

Bank, Birmingham, Alabama; Georgia State Bank, Mableton, Georgia; 

CypressCoQuina Bank, Ormond Beach, Florida; Millennium Bank, Gainesville, 

Florida; and First Gulf Bank, National Association, Pensacola, Florida.

Richmond

- Approved, March 14, 2008

United Bank & Trust, Marysville, Kansas -- to purchase certain assets and assume 

certain liabilities of the Beattie branch of Bank of Prairie, Olathe, and thereby 

establish a branch.

Kansas City

- Approved, March 14, 2008

Change In Bank Control

Freedom Bancshares, Inc., Overland Park, Kansas -- change in bank control of 

Bancshares and its subsidiary, Freedom Bank.

Kansas City

- Permitted, March 14, 2008

Extensions Of Time

Paradise Bank, Boca Raton, Florida -- extension to March 9, 2009, to establish a 

branch at 1351 North Federal Highway, Delray Beach.

Atlanta

- Granted, March 10, 2008

H.2 Actions under delegated authority March 9, 2008 to March 15, 2008

(A/C) = Addition or Correction Delegated - 3 of 4
Extensions Of Time

RiverBank Holding Company, Spokane, Washington -- extension to July 7, 2008, to 

become a bank holding company and to acquire RiverBank, Spokane.

San Francisco

- Granted, March 11, 2008

Financial Holding Companies 

Enterprise Bancorp, Inc., North Palm Beach, Florida -- election to become a financial 

holding company.

Atlanta

- Effective, March 13, 2008

H.2 Actions under delegated authority March 9, 2008 to March 15, 2008

(A/C) = Addition or Correction Delegated - 4 of 4
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending March 15, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending March 15, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

03/31/2008

Banco do Brasil, Brasilia, Brazil, to engage in 

money transmission activities through BB 

Money Transfers, Inc., New York, New York.

BANCO DO BRASIL S.A.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

China Construction Bank Corporation, Beijing, 

People's Republic of China, to establish a 

branch in New York, New York, pursuant to 

Section 211.24(a)(1) of Regulation K.

CHINA CONSTRUCTION BANK 

CORPORATION

Newspaper:

Federal Register:

* 3A1 03/12/2008

04/11/2008

The Westchester Bank Holding Corporation, 

Yonkers, New York, to become a bank holding 

company, through the acquisition of 100 

percent of the stock of The Westchester Bank, 

Yonkers, New York, upon its formation as a New 

York-chartered commercial bank.

WESTCHESTER HOLDING 

CORPORATION, THE

* 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

 92902 BANK OF CATTARAUGUS, CATTARAUGUS, NEW YORK 08/13/2007 02/04/2008 O Small Bank

 601416 FIVE STAR BK, WARSAW, NEW YORK 04/30/2007 01/17/2008 O Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending March 15, 2008

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending March 15, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Thid Bank, Grand Rapids, MI to establish a 

branch at the southeast corner of State Route 54 

and Grand Boulevard, New Port Richey, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notices of Change in Bank Control 

filed by:

(1.) Jay L. Dunlap, Lincoln, NB to retain voting 

authority granted by proxy from Mark Dunlap 

over 58.25 shares or 55.48% of the outstanding 

voting shares of New Richmond 

Bancorporation, New Richmond, OH;

(2.) Samad Yaltaghian, Rusden, Northants, 

England, to acquire 46.75 shares or 45.52 

percent of the outstanding voting shares of 

New Richmond Bancorporation, New Richmond, 

OH;

(3.) Jay L. Dunlap, Lincoln, NB and Samad 

Yaltaghian, Rusden, Northants, England, in 

concert resulting from a proxy to vote 46.75 

shares or 45.52 percent of the outstanding 

voting shares of New Richmond 

Bancorporation, New Richmond, OH granted to 

Jay L. Dunlap by Samad Yaltaghian.

NEW RICHMOND 

BANCORPORATION

* 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 15, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 04/13/2008

04/10/2008

First Citizens Bancorporation, Inc., Columbia, 

South Carolina, to acquire 100% of Merchants 

and Farmers Bank, Comer, Georgia.

FIRST CITIZENS 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Highlands Union Bank, Abingdon, Virginia, 

proposes to establish a branch location at 1824 

Veterans Blvd., Sevierville, Tennessee.

HIGHLANDS UNION 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 15, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of St. Petersburg, Tampa, Florida, to 03/23/2008

establish a branch located at 3100 Tampa Road, 

Palm Harbor, Florida.

BANK OF SAINT PETERSBURG

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:

Member Not applicable

Not applicable

CapStar Bank, Nashville, Tennessee, to become 

a member of the Federal Reserve System (in 

organization).

CapStar Bank

Newspaper:

Federal Register:

* Branch

Not applicable

CapStar Bank, Nashville, Tennessee (in 03/28/2008

organization), to establish a mobile branch to 

service the following counties: Davidson, 

Williamson, Rutherford, Wilson, Cheatham, 

Dickson, Sumner, and Robertson.

CAPSTAR BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Gateway Financial Holdings of Florida, Inc., 

Daytona Beach, Florida, to acquire 100 percent 

of the outstanding shares of Gateway Bank of 

Southwest Florida, Sarasota, Florida (in 

organization).

GATEWAY FINANCIAL 

HOLDINGS OF FLORIDA, 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 15, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 03/14/2008

03/14/2008

Bancorp of New Glarus, Inc., New Glarus, 

Wisconsin, to acquire 100 percent of the voting 

shares of Bank of Juda, Juda, Wisconsin.

BANCORP OF NEW GLARUS, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

04/10/2008

Crete Bancorporation, Inc., Crete, Illinois, to 

acquire 9.9 percent of the outstanding voting 

shares of St. Anne Bancorp, Inc., Manteno, 

Illinois, and thereby indirectly acquire control of 

National Bank of St. Anne, Saint Anne, Illinois.

CRETE BANCORPORATION, 

INC.

Newspaper:

Federal Register:

CIC 04/06/2008

03/31/2008

Notice by Roger L. Lehmann and Elizabeth E. 

Lehmann, Harvard, Illinois, to retain control of 

Harvard Bancshares, Inc., Harvard, Illinois, and 

thereby indirectly retain Harvard State Bank, 

Harvard, Illinois.

HARVARD BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Rolling Hills Bank & Trust, Atlantic, Iowa, to 03/10/2008

establish a branch facility to be located at 502 

Broad Street, Adair, Iowa.

ROLLING HILLS BANK & TRUST

Newspaper:

Federal Register:

Member Not applicable

Not applicable

State Bank of Lawler (to be renamed Bank Iowa), 

New Hampton, Iowa, to become a member of the 

Federal Reserve System.

STATE BANK OF LAWLER

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

State Bank of the Lakes, Antioch, Illinois, to 

purchase the assets and assume the liabilities of 

the Lake Villa, Illinois branch of 

Libertyville Bank and Trust Company, 

Libertyville, Illinois, and thereby to establish a 

branch located at 345 South Milwaukee 

Avenue, Lake Villa, Illinois.

STATE BANK OF THE LAKES

Newspaper:

Federal Register:

* 3A1 Not available

04/07/2008

Wisconsin Bancorp, Inc., Milwaukee, 

Wisconsin, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Mid America Bank, Janesville, Wisconsin.

WISCONSIN BANCORP, INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 190246 LINN CTY ST BK, COGGON, IOWA 11/26/2007 03/03/2008 S Small 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 15, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 04/17/2008

04/14/2008

Cross County Bancshares, Inc., Wynne, 

Arkansas, to acquire additional shares of First 

Southern Bank, Batesville, Arkansas. The 

acquisition will result in Cross County 

Bancshares, Inc., owning up to 13.13 percent of 

First Southern Bank.

CROSS COUNTY BANCSHARES, 

INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending March 15, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control notice by John M. Morrison 

Revocable Trust #4, dated January 18, 2000, 

John M. Morrison Trustee, Naples, Florida, to 

gain control of Central Bancshares Inc., Golden 

Valley, Minnesota and thereby indirectly gain 

control of Central Bank, Stillwater, Minnesota.

CENTRAL BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Frandsen Financial Corporation, Arden Hills, 

Minnesota, to acquire 100 percent of Anderson 

Financial Group, Inc., Wayzata, Minnesota and 

thereby indirectly acquire Northern National 

Bank, Nisswa, Minnesota.

FRANDSEN FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Frandsen Financial Corporation, Arden Hills, 

Minnesota, to acquire 100 percent of Tower 

Bancshares, Cloquet, Minnesota, and thereby 

indirectly acquire State Bank of Tower, Tower, 

Minnesota.

FRANDSEN FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Glacier Bank, Kalispell, Montana, to merge with 

Glacier Bank of Whitefish, Whitefish, Montana 

and incident thereto, proposes to establish 

branches at 319 East Second Street, Whitefish, 

Montana, 222 Dewey Avenue, Eureka, 

Montana, and 6195 Hwy 93 South, Whitefish, 

Montana.

GLACIER BANK

* 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 15, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 03/23/2008

03/21/2008

FBHC Holding Company, to become a bank 

holding company through the acquisition of 100 

percent of the voting shares of FlatIrons Bank 

Holding Company, parent of FlatIrons Bank, all 

of Boulder, Colorado.

FBHC HOLDING COMPANY

Newspaper:

Federal Register:

* 3A3 03/29/2008

03/31/2008

First Liberty Capital Corporation Employee 

Stock Ownership Plan and First Liberty Capital 

Corporation, both of Hugo, Colorado, to acquire 

up to 100 percent of the voting shares of First 

Mountain Bank, Leadville, Colorado.

FIRST LIBERTY CAPITAL 

CORPORATION EMPLOYEE 

STOCK OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A3 04/05/2008

04/03/2008

Grant County Bank Employee Stock Ownership 

Plan, to acquire an additional 2.13 percent of the 

voting shares of Resource One, Inc., parent of 

Grant County Bank, all of Ulysses, Kansas.

GRANT COUNTY BANK 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

CIC 03/27/2008

03/26/2008

Notice by Steven Craig Baggerly, individually, 

as co-trustee of the Max Baggerly Marital Trust 

and as trustee of the Employee Stock 

Ownership Plan for Employees of Bank of the 

Panhandle; the Max Baggerly Trust, all of 

Guymon, Oklahoma, together with Karen Ann 

Baggerly, Lubbock, Texas, Marc Lee Williamson 

and Camille Kay Williamson, both of 

Fredericksburg, Texas; all as a group acting in 

concert, to acquire control of Panhandle 

Bancshares, Inc., parent of Bank of the 

Panhandle, both in Guymon, Oklahoma, through 

the acquisition of voting shares.

PANHANDLE BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Premier Bank, Lenexa, Kansas, to establish a 03/31/2008

branch at 2701 Shawnee Mission Parkway, 

Fairway, Kansas.

PREMIER BANK

* 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

 986757 BATTLE CREEK ST BK, BATTLE CREEK, NEBRASKA 12/03/2007 03/06/2008 S Small Bank

 389059 TILDEN BK, TILDEN, NEBRASKA 12/17/2007 02/29/2008 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending March 15, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish a 

branch to be located at 13920 City Center Drive, 

Chino Hills, California 91709.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 03/23/2008

03/24/2008

First Graham Bancorp, Inc., Graham, Texas, and 

First Graham Delaware Corporation, Dover, 

Delaware, to acquire 100 percent of Surety Bank, 

Fort Worth, Texas.

FIRST GRAHAM BANCORP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

03/28/2008

Live Oak Bancshares Corporation, George 

West, Texas, to engage in title insurance 

activities pursuant to Section 225.28(b)(11)(iii)

(A) as a result of its proposed 75.5 percent 

investment in Forehand Title Management LLC, 

George West, Texas.

LIVE OAK BANCSHARES 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Lone Star State Bank of West Texas, Lubbock, 03/19/2008

Texas, to establish a branch to be located at 406 

E FM 700, Suite 102, Big Spring, Texas 79720.

LONE STAR STATE BANK OF 

WEST TEXAS

Newspaper:

Federal Register:

* 3A5 04/06/2008

04/04/2008

Red River Bancorp, Inc., Gainesville, Texas, to 

acquire by merger 100 percent of Saint Jo 

Bancshares, Inc., Saint Jo, Texas, and indirectly 

acquire First Financial Company of Saint Jo, 

Dover, Delaware, and First National Bank, Saint 

Jo, Texas.

RED RIVER BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/11/2008

Texas American Acquisition Group, Inc., Fort 

Worth, Texas, to become a bank holding 

company by acquiring 100 percent of Liberty 

Bank, North Richland Hills, Texas.

TEXAS AMERICAN 

ACQUISITION 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 15, 2008

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

AmBancorp to become a bank holding company 

by acquiring 100 percent of American Bank of 

Commerce, Inc., both of Provo, Utah.

AmBancorp

Newspaper:

Federal Register:

* 3A1

4c8

03/25/2008

03/24/2008

Porter Mountain III, LLLP, to: 1) become a bank 

holding company by acquiring up to 30 percent 

of Grand Valley Corporation, both of Grand 

Junction, Colorado, and indirectly its 

subsidiary, Grand Valley National Bank, Heber 

City, Utah, pursuant to section 3(a)(1) of the 

Bank Holding Company Act; and 2) to engage 

de novo, indirectly, in extending credit and 

servicing loans pursuant to section 4(c)(8) of 

the Bank Holding Company Act, and section 

225.28(b)(1) of Regulation Y.

PORTER MOUNTAIN III, LLLP

* 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