Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 51 

Week Ending December 22, 2007

Board of Governors of the Federal Reserve System, Washington, DC 20551
Advisory Councils

Consumer Advisory Council -- appointment of ten new members and designation of 

Tony Brown as Chair and Edna Sawady as Vice Chair for 2008.

- Approved, December 17, 2007

Regulations And Policies

Regulation BB (Community Reinvestment) -- interagency annual adjustment to the 

asset-size thresholds used to define "small bank" and "intermediate small bank" 

under the Community Reinvestment Act regulations (Docket No. R-1302).

- Announced, December 19, 2007

Regulation Z (Truth in Lending) -- publication for comment of amendments to 

protect consumers from unfair or deceptive home mortgage lending and advertising 

practices (Docket No. R-1305).

- Approved, December 18, 2007

H.2 Board Actions December 16, 2007 to December 22, 2007

(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

December 16, 2007 to December 22, 2007

Bank Branches, Domestic

Comerica Bank, Dallas, Texas -- to establish a branch at 525 N. Brand Blvd., 

Glendale, California.

Dallas

- Approved, December 18, 2007

First Bank, St. Louis, Missouri -- to relocate its existing branch from 299 North York 

Road, Elmhurst, Illinois, to 700 W. North Avenue.

St. Louis

- Approved, December 19, 2007

First Bank, St. Louis, Missouri -- to establish a branch at 3020 State Route 59, 

Naperville, Illinois.

St. Louis

- Approved, December 21, 2007

LegacyTexas Bank, Plano, Texas -- to establish a branch at 100 Throckmorton, Fort 

Worth.

Dallas

- Approved, December 18, 2007

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish branches at 

Greenfield Road and Baseline road, Mesa, Arizona; 67th Avenue and Happy Valley 

Road, Peoria; and Maricopa Road and Smith-Enke Boulevard, Maricopa.

Secretary

- Approved, December 21, 2007

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Branches, Domestic

The North Side Bank and Trust Company, Cincinnati, Ohio -- to establish a branch at 

West Road and Harrison Avenue, Harrison.

Cleveland

- Approved, December 17, 2007

Oak Valley Community Bank, Oakdale, California -- to establish a branch at 2935 

March Lane, Stockton.

San Francisco

- Approved, December 18, 2007

Southwest Bank, Fort Worth, Texas -- to establish a branch at 306 West 7th Street, 

Suite 504, Fort Worth.

Dallas

- Approved, December 21, 2007

Sterling Bank, Lantana, Florida -- to establish a branch at 2465 Wilton Drive, Wilton 

Manors.

Atlanta

- Withdrawn, December 20, 2007

Bank Holding Companies

Heartland Bancshares, Inc., Clinton, Missouri -- to become a bank holding company 

and to acquire Marshall Community Bancshares, Inc.

Kansas City

- Withdrawn, December 17, 2007

H.2 Actions under delegated authority December 16, 2007 to December 22, 2007

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Holding Companies

Oglethorpe Bank Holding Company, Brunswick, Georgia -- relief from a 

commitment.

Atlanta

- Granted, December 21, 2007

Pyramid Financial Corporation, Anguilla, Mississippi -- to become a bank holding 

company and to acquire Bank of Anguilla.

Atlanta

- Approved, December 18, 2007

Bank Mergers

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to merge with First Indiana 

Bank, National Association, Indianapolis, Indiana.

Secretary

- Approved, December 21, 2007

Bank Premises

The Bank of Marion, Marion, Virginia -- to increase its investment in bank premises.

Richmond

- Approved, December 18, 2007

Banks, State Member

Bank of Rogers, Rogers, Arkansas -- to establish a wholly-owned subsidiary, BOR 

Title Services, Inc., as a financial subsidiary, and engage in selling real estate title 

insurance and performing closing services.

St. Louis

- Withdrawn, December 19, 2007

H.2 Actions under delegated authority December 16, 2007 to December 22, 2007

(A/C) = Addition or Correction Delegated - 3 of 5
Change In Bank Control

Eureka Bancshares, Inc., Eureka Springs, Arkansas -- to retain control of bank 

shares.

St. Louis

- Approved, December 20, 2007

Extensions Of Time

Guaranty Bank and Trust Company, Denver, Colorado -- extension to March 26, 

2008, to merge with Centennial Bank of the West, Fort Collins, and thereby establish 

a branch.

Kansas City

- Granted, December 18, 2007

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- extension to March 26, 

2008, to acquire First Indiana Corporation, Indianapolis, Indiana, and thereby acquire 

First Indiana Bank, N.A., and the related application by FIC Acquisition Corporation 

to become a bank holding company by acquiring First Indiana Corporation, and 

thereby acquire First Indiana Bank, N.A. 

Chicago

- Granted, December 20, 2007

International Operations

The Bank of New York Mellon Corporation, New York, New York -- waiver of 

remainder of notification period for The Bank of New York, New York, and Mellon 

Bank, N.A., Pittsburgh, Pennsylvania, to invest in BNY Mellon GSS Acquisition 

Company, Amsterdam, Netherlands; and for Mellon Bank to invest in GSS Holdings 

S.a.r.l., Luxembourg, Luxembourg.

Director, BS&R

- Granted, December 17, 2007

H.2 Actions under delegated authority December 16, 2007 to December 22, 2007

(A/C) = Addition or Correction Delegated - 4 of 5
International Operations

Citibank, N.A., New York, New York -- waiver of remainder of notification period 

for Citibank, N.A., Las Vegas, Nevada, and Citibank Overseas Investment 

Corporation, New Castle, Delaware, to invest in LQ Inversiones Financieras S.A., 

Santiago, Chile, and related investments.

Director, BS&R

- Granted, December 17, 2007

KeyBank National Association, Cleveland, Ohio -- to invest in excess of 10 percent 

of its capital and surplus in its agreement corporation, Key Equipment Finance 

International, Inc., Superior, Colorado; and waiver of remainder of notification 

period to make additional investments in Key Nova Scotia Funding Company, 

Halifax, Nova Scotia, Canada; and Key Canada Funding Ltd., Calgary, Alberta, 

under Regulation K.

Director, BS&R

- Approved, December 21, 2007

Membership

Frontier Community Bank (in organization), Waynesboro, Virginia -- to become a 

member of the Federal Reserve System.

Richmond

- Approved, December 21, 2007

Regulations And Policies

Regulation C -- annual notice of the asset-size exemption threshold for depository 

institutions under the Home Mortgage Disclosure Act (Docket No. R-1303).

Director, C&CA

- Announced, December 17, 2007

H.2 Actions under delegated authority December 16, 2007 to December 22, 2007

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending December 22, 2007

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 December 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco Espirito Santo de Investimento, S.A., 

Lisbon, Portugal, to establish a branch in New 

York, New York, pursuant to Section 7(d) of the 

International Banking Act.

BANCO ESPIRITO SANTO DE 

INVESTIMENTO, S.A.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

The Bank of New York Mellon Corporation on 

behalf of BNY International Financing 

Corporation ("IFC"), a wholly-owned Edge Act 

corporation subsidiary of the Bank of New York 

("BNY"), proposes to make an investment in the 

Bank of New York, S.A., Institucion Banca 

Multiple, a commercial bank in formation under 

the laws of Mexico, pursuant to Section 211.8(b)

(2) of Regulation K.

BANK OF NEW YORK, THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

KfW IPEX Bank GmbH, Frankfurt, 

Germany,(in-formation) to establish a 

representative office in New York, New York, 

pursuant to Section 10(a) of the International 

Banking Act of 1978, as amended, and Section 

211.24(a)(1) of Regulation K.

KFW IPEX - BANK GMBH

Newspaper:

Federal Register:

* 3A1 Not available

01/18/2008

National Australia Bank Limited, Melbourne, 

Australia, to become a one-bank holding 

company, pursuant to Section 3(a)(1) of the 

BHC Act and Section 225.17 of Regulation Y, by 

acquiring Great Western Bancorporation, Inc., 

Omaha, Nebraska and its subsidiary Great 

Western Bank, Watertown, South Dakota.

NATIONAL AUSTRALIA BANK 

LIMITED

* 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 December 22, 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 December 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Cortland Savings and Banking Company, 

Corland, OH to establish a branch at 15561 

West High Street, Middlefield, OH.

CORTLAND SAVINGS AND 

BANKING COMPANY, THE

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change in Bank Control,Robert Duane 

Hord (and Hord control group) to acquire in 

excess of 10 percent of the outstanding shares 

of FC Banc Corp., Bucyrus, Ohio

FC BANC CORP

Newspaper:

Federal Register:

* 3A5 Not available

01/04/2008

Milton Bancorp, Inc., Wellston, Ohio, to acquire 

100 percent of Community First Financial 

Bancorp, Inc., New Holland, Ohio, and thereby 

acquire The First National Bank of New Holland, 

New Holland, Ohio

MILTON BANCORP, INC.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 December 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Raleigh, North Carolina, 12/31/2007

proposes to establish a branch at 2885 Western 

Boulevard, Jacksonville, North Carolina.

RBC CENTURA BANK

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Union Bank and Trust Company, Bowling 

Green, Virginia, to merge with Prosperity Bank & 

Trust Company, Springfield, Virginia.

UNION BANK AND TRUST 

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Commerce Bank, Arlington, Virginia, 01/08/2008

proposes to establish a branch at 1304 Central 

Park Boulevard, Fredericksburg, Virginia.

VIRGINIA COMMERCE 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 December 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of North Florida, Jacksonville, Florida, to 12/20/2007

establish a branch located at 1432 1st Street, 

Sarasota, Florida, to be designated as the main 

office.

BANK OF NORTH FLORIDA

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:

* 18C Not available

Not applicable

Compass Bank, Birmingham, Alabama, to merge 

with: The Laredo National Bank, Laredo, Texas: 

State National Bank, Fort Worth, Texas: and 

Texas State Bank, McAllen, Texas.

COMPASS BANK

Newspaper:

Federal Register:

* 3A1 01/13/2008

01/18/2008

Franklin Bancshares, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of Bank of Franklin, 

both of Meadville, Mississippi.

FRANKLIN BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

01/04/2008

Summerville/Trion Bancshares, Inc., 

Summerville, Georgia, to acquire 100 percent of 

the outstanding shares of Dunnellon State 

Bank, Dunnellon, Florida.

SUMMERVILLE/TRION 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

01/15/2007

SunTrust Banks, Inc., Atlanta, Georgia, to merge 

with GB&T Bancshares, Inc., Gainesville, 

Georgia, and thereby acquire its subsidiaries, 

Gainesville Bank & Trust, Gainesville, Georgia; 

Mountain State Bank, Dawsonville, Georgia; 

First National Bank of Gwinnett, Duluth, 

Georgia; First National Bank of the South, 

Milledgeville, Georgia; Home Town Bank of 

Villa Rica, Villa Rica, Georgia; Community Trust 

Bank, Hiram, Georgia; and United Bank & Trust 

Company, Rockmart, Georgia.

SUNTRUST 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 December 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

1st Source Bank, South Bend, Indiana, to merge 11/29/2007

with First National Bank of Valparaiso, 

Valparaiso, Indiana, and thereby to establish 17 

branches.

1ST SOURCE BANK

Newspaper:

Federal Register:

* 3A3 01/08/2008

01/07/2008

Black River BancVenture, Inc., Memphis, 

Tennessee, to acquire 15 percent of the voting 

shares of Bay Commercial Bank, Walnut Creek, 

California.

BLACK RIVER BANCVENTURE, 

INC.

Newspaper:

Federal Register:

* 4c8 01/08/2008

01/07/2008

Black River BancVenture, Inc., Memphis, 

Tennessee, to acquire 6 percent of the voting 

shares of SFB Bancorp, Inc., Elizabethton, 

Tennessee, and thereby indirectly acquire 

Security Federal Bank, Elizabethton, Tennessee, 

and thereby operate a savings association.

BLACK RIVER BANCVENTURE, 

INC.

Newspaper:

Federal Register:

* 4c8 01/08/2008

01/07/2008

Black River BancVenture, Inc., Memphis, 

Tennessee, to acquire 9.9 percent of the voting 

shares of Quaint Oak Bancorp, Southampton, 

Pennsylvania, and thereby indirectly acquire 

Quaint Oak Savings Bank, Southampton, 

Pennsylvania, and thereby operate a savings 

association.

BLACK RIVER BANCVENTURE, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

01/07/2008

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Colonia Bank (in organization), 

Phoenix, Arizona.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

01/07/2008

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Reidsville Community Bank (in 

organization), Reidsville, North Carolina.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

01/07/2008

Capitol Bancorp, Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan, to acquire 51 percent of the 

voting shares of Pisgah Community Bank (in 

organization), Asheville, North Carolina.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 01/18/2008

Capitol Bancorp Ltd., Lansing, Michigan and 

Capitol Development Bancorp Limited VII, 

Lansing, Michigan to acquire 51 percent of the 

voting shares of Mountain View Bank of 

Commerce (in organization), Westminster, 

Colorado, and by Capitol Bancorp Colorado Ltd. 

III, Lansing, Michigan to become a bank 

holding company by acquiring 51 percent of the 

voting shares of Mountain View Bank of 

Commerce (in organization), Westminster, 

Colorado.

CAPITOL BANCORP LTD.

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

Federal Reserve Bank of Chicago

Filings received during the week ending December 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

01/11/2008

FBOP Corporation, Oak Park, Illinois, to acquire 

up to 24.9 percent of the voting shares of PFF 

Bancorp, Inc., Rancho Cucamonga, California, 

and thereby indirectly acquire PFF Bank and 

Trust, Pomona, California.

FBOP CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

01/18/2008

Kerndt Bank Services, Inc., Lansing, Iowa, to 

acquire 100 percent of Family Merchants 

Bancorporation, Inc., Cedar Rapids, Iowa, and 

thereby indirectly acquire Family Merchants 

Bank, Cedar Rapids, Iowa.

KERNDT BANK SERVICES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 

Wisconsin, to merge with First Indiana Bank, 

National Association, Indianapolis, Indiana, and 

thereby to establish 32 branches.

M&I MARSHALL & ILSLEY 

BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Warren Bank, Warren, Michigan, to establish a 

branch to be located at 55055 Shelby Road, 

Shelby Township, Macomb County, Michigan.

WARREN BANK

* 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

NONE

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 December 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice by Nancy C. Wilson, Memphis, 01/08/2008

Tennessee, individually, and as a member of a 

control group acting in concert, to gain control 

of Merchants & Planters Bancshares, Inc., 

Toone, Tennessee. The control group consists 

of Nancy C. Wilson, the Paul Nelsms Family 

Trust, Nancy Wilson as trustee, Jessica Wilson, 

Stephanie Macintosh Shy, all of Memphis, 

Tennessee; Charles D. Newell, Jr., Germantown, 

Tennessee; Michael B. Baird, Cordova, 

Tennessee; Jon A. Reeves, Olive Branch, 

Mississippi; and Peter T. Hodo, West Point, 

Mississippi; Johnny Ponder, Collierville, 

Tennessee.

MERCHANTS & PLANTERS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 01/20/2008

01/14/2008

South Central Bancorp, Inc., Kinmundy, Illinois, 

to become a bank holding company by 

acquiring 100 percent of The First National Bank 

of Kinmundy, Kinmundy, Illinois.

SOUTH CENTRAL BANCORP, 

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 December 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 December 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/11/2008

01/18/2008

Ambage, Inc., Las Vegas, Nevada, to become a 

bank holding company through the acquisition 

of 100 percent of the voting shares of First 

Financial Services, Inc., parent of First National 

Bank and Trust Company, both in Falls City, 

Nebraska.

AMBAGE, INC.

Newspaper:

Federal Register:

CIC 12/06/2007

12/14/2007

Notice by Jose L. Evans and Denise K. Evans, 

both of Kansas City, Missouri, (acting jointly) 

and David L. Johnson and Sandra L. Castetter, 

both of Kansas City, Missouri, (acting jointly), 

and together acting in concert, to acquire 

control of First Missouri Bancshares, Inc., 

parent of First Missouri National Bank, both in 

Brookfield, Missouri, through the acquisition of 

voting shares.

FIRST MISSOURI BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC 12/13/2007

01/02/2008

Notification by Theodore Thieman, Petersburg, 

Nebraska, to retain control of Rae Valley 

Financials, Inc., Petersburg, Nebraska, parent of 

Petersburg State Bank, Petersburg, Nebraska.

RAE VALLEY FINANCIALS, INC.

Newspaper:

Federal Register:

CIC Not available

01/09/2008

Notification by Russell H. Loewenstein, 

Orleans, Nebraska, individually and as a member 

of the Loewenstein group; and Karl Randecker, 

Jr., Cozad, Nebraska, individually and as a 

member of the Randecker group; to acquire 

control of Stamford Banco, Inc., Stamford, 

Nebraska, parent of Community Bank, Alma, 

Nebraska. Notice by Stamford Banco, Inc., 

Stamford, Nebraska, to redeem 25 percent of its 

outstanding common stock.

STAMFORD BANCO, 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 December 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 12/29/2007

01/07/2008

CSB Financial Corporation, Miles, Texas, to 

become a bank holding company by acquiring 

100 percent of Citizens State Bank, Miles, Texas.

CSB FINANCIAL CORPORATION

* 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 December 22, 2007

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Peninsula Bank Holding Co., to become a bank 

holding company by acquiring 100 percent of 

The Private Bank of the Peninsula, both of Palo 

Alto, California.

Peninsula Bank Holding Co.

Newspaper:

Federal Register:

* 3A1 12/15/2007

12/20/2007

State Bancorp Northwest to become a bank 

holding company by acquiring 100 percent of 

State Bank Northwest, both of Spokane Valley, 

Washington.

STATE BANCORP NORTHWEST

* 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