Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 49

Week Ending December 9, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 3, 2006 to December 9, 2006

Advisory Councils

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

Lisa Sodeika as Chair and Tony Brown as Vice Chair for 2007.

- Approved, December 5, 2006 

Board Operations

Division of Reserve Bank Operations and Payment Systems -- appointment of 

Donald V. Hammond as Deputy Director and title change for Paul Bettge to Senior 

Adviser.

- Approved, November 28, 2006 (AC)

Regulations And Policies

Basel IA Capital Accord -- publication for comment of interagency revisions to the 

existing risk-based capital guidelines for institutions not using Basel II (Docket No. 

R-1238).

- Approved, November 22, 2006 (AC)

Commercial Real Estate -- final interagency Guidance on Concentrations in 

Commercial Real Estate Lending and Sound Risk Management Practices (Docket 

No. OP-1248).

- Approved, December 5, 2006 

Financial Services Regulatory Relief Act -- interim amendments to Regulation O 

with request for comment to implement certain provisions of the act by eliminating 

certain insider lending reporting requirements (Docket No. R-1271).

- Approved, December 5, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
December 3, 2006 to December 9, 2006

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

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 420 South Elm 

Street, Jenks, Oklahoma.

- Approved, December 4, 2006 

St. Louis

The Farmers and Mechanics Bank, Galesburg, Illinois -- to establish a mobile 

branch serving Peoria, Tazewell, Woodford, Knox, and Warren Counties.

- Approved, December 7, 2006 

Chicago

First Community Bank, Emporia, Kansas -- to establish a branch at 2160 West 

Highway 50 and to relocate the head office to 715 Merchant Street.

- Approved, December 7, 2006 

Kansas City

First Florida Bank, Naples, Florida -- to establish a branch at 16451 Health Park 

Commons Drive, Fort Myers.

- Approved, December 6, 2006 

Atlanta

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 7918 Jones Branch Drive, McLean, Virginia.

- Approved, December 7, 2006 

New York

Marine Bank, Marathon, Florida -- to establish a branch at 100290 Overseas 

Highway, Key Largo.

- Approved, December 7, 2006 

Atlanta

Monarch Bank, Chesapeake, Virginia -- to establish a branch at 5225 Providence 

Road, Virginia Beach.

- Approved, December 8, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority December 3, 2006 to December 9, 2006

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 3502 Avalon Park West 

BV, Orlando, Florida.

- Approved, December 6, 2006 

Secretary

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 3968 Wedgewood Lane, 

The Villages, Florida.

- Approved, December 6, 2006 

Secretary

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 9360 Navarre Parkway, 

Navarre, Florida.

- Approved, December 6, 2006 

Secretary

Virginia Heritage Bank, Fairfax, Virginia -- to establish a branch at 13986 

Metrotech Drive, Chantilly.

- Approved, December 7, 2006 

Richmond

Bank Holding Companies

Arvest Bank Group, Inc., Bentonville, Arkansas, and Arvest Holdings, Inc. -- 

waiver of application to acquire Caney Valley Bancshares, Inc., Caney, Kansas, in 

connection with the merger of Caney Valley National Bank and Arvest Bank, 

Fayetteville, Arkansas.

- Granted, December 4, 2006 

St. Louis

BT Holdings, Inc., Quitman, Texas -- to become a bank holding company and to 

acquire Quitman Bancorporation, Inc., and thereby acquire Quitman Bancorporation 

of Delaware, Inc., Wilmington, Delaware, and Bank Texas, National Association, 

Quitman, Texas.

- Approved, December 7, 2006 

Dallas

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority December 3, 2006 to December 9, 2006

Bank Holding Companies

Charter Bankshares, Inc., Eau Claire, Wisconsin -- to become a bank holding 

company and to acquire at least 90 percent of the shares of Charter Bank Eau Claire.

- Approved, December 4, 2006 

Secretary

Embassy Bancshares, Inc., Snellville, Georgia -- to become a bank holding 

company and to acquire Embassy National Bank, Lawrenceville, a de novo bank.

- Approved, December 8, 2006 

Atlanta

First America Holdings Corporation, Osprey, Florida -- to become a bank holding 

company and to acquire First America Bank.

- Approved, December 5, 2006 

Atlanta

First Fidelity Bancorp, Inc., Oklahoma City, Oklahoma -- to acquire Western 

Security Holding Co., Ltd., Scottsdale, Arizona, and Western Security Bank.

- Withdrawn, December 8, 2006 

Kansas City

First NBC Bank Holding Company, New Orleans, Louisiana -- to become a bank 

holding company and to acquire First NBC Bank.

- Withdrawn, December 7, 2006 

Atlanta

Frandsen Financial Corporation, Arden Hills, Minnesota -- to merge with Pine 

Bankshares, Inc., Pine City, and thereby acquire The First National Bank of Pine 

City.

- Approved, December 8, 2006 

Minneapolis

Greene Investment Co., Jefferson, Iowa -- to merge with Audubon Investment 

Company, Carroll and to acquire Audubon State Bank, Audubon.

- Approved, December 7, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority December 3, 2006 to December 9, 2006

Bank Holding Companies

Mayflower Bancorp, Inc., Middleboro, Massachusetts -- to become a bank holding 

company and to acquire Mayflower Co-operative Bank. 

- Approved, December 8, 2006 

Boston

The McGehee Bank Employee Stock Ownership Plan, McGehee, Arkansas -- to 

become a bank holding company and to acquire 28 percent of Southeast Financial 

Bankstock Corporation and thereby acquire McGehee Bank.

- Approved, December 7, 2006 

St. Louis

Nodaway Valley Bancshares, Inc., Maryville, Missouri -- to acquire Exchange 

Bank, Mound City.

- Withdrawn, December 5, 2006 

Kansas City

PrivateBancorp, Inc., Chicago, Illinois -- to acquire The PrivateBank, N.A., 

Milwaukee, Wisconsin, a de novo bank.

- Approved, December 7, 2006 

Chicago

QCR Holdings, Inc., Moline, Illinois -- to acquire Ridgeland Bancorp, Inc., Tony, 

Wisconsin, and Farmers State Bank, Ridgeland; for Farmers State Bank to become a 

member of the Federal Reserve System; and for Farmers State Bank to merge with 

Rockford Bank and Trust Company, Rockford, Illinois, and thereby establish a 

branch at 1133 Quail Court, Suite 100, Pewaukee, Wisconsin.

- Approved, December 8, 2006 

Chicago

TrustAtlantic Financial Corporation, Raleigh, North Carolina -- to become a bank 

holding company and to acquire Millennia Community Bank, Greenville.

- Approved, December 6, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority December 3, 2006 to December 9, 2006

Bank Holding Companies

Union County Bancshares, Inc., Anna, Illinois -- waiver of application to merge 

with The Jonesboro Bancompany, Inc., Jonesboro, in connection with the merger of 

The First National Bank of Jonesboro and Anna National Bank, Anna. 

- Withdrawn, December 8, 2006 

St. Louis

West Valley Bancorp, Inc., Avondale, Arizona -- to become a bank holding 

company and to acquire West Valley National Bank, a de novo bank.

- Approved, December 5, 2006 

Secretary

Change In Bank Control

Commerce Bancorp, Inc., Duncan, Oklahoma -- change in bank control.

- Permitted, December 7, 2006 

Kansas City

Eden Valley Bancshares, Inc., Eden Valley, Minnesota -- change in bank control.

- Permitted, December 8, 2006 

Minneapolis

Extensions Of Time

BCBank, Inc., Philippi, West Virginia -- extension to January 10, 2007, to establish 

a branch at 936 East Park Avenue, Fairmont.

- Granted, December 7, 2006 

Richmond

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

extension of time to conform or divest certain impermissible activities.

- Granted, December 5, 2006 

Director, BS&R

Financial Holding Companies

Arneson Bancshares, Inc., Clear Lake, Iowa -- election to become a financial 

holding company.

- Effective, December 6, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority December 3, 2006 to December 9, 2006

International Operations

Citibank, N.A., Las Vegas, Nevada -- waiver of remainder of notification period to 

invest, through its subsidiary, Citibank Overseas Investment Corporation, New 

Castle, Delaware, in Akbank T.A.S., Istanbul, Republic of Turkey, and modification 

of the aggregate investment limit of Regulation K.

- Granted, December 8, 2006 

Director, BS&R

(AC) = Addition or Correction Delegated - Page 6 of 6
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending December 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 01/05/2007

Application by 1895 MHC and 1895 Corp.,

both of Worcester, Massachusetts, to become a

mutual bank holding company and stock bank

holding company, respectively, by acquiring

Bay State Savings Bank, Worcester,

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

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

1956, as amended.

1895 MHC

Newspaper:

Federal Register:

* 3A3 Not available

01/05/2007

Danvers Bancorp, Inc., Danvers,

Massachusetts to acquire BankMalden, A

Co-operative Bank, Malden, Massachusetts

pursuant to section 3(a)(3) of the BHC Act.

DANVERS BANCORP, INC.

* 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 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending December 9, 2006

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 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/03/2007

01/04/2007

Application by C Financial Corporation,

Columbus, Ohio, to become a bank holding

company by acquiring 100% of the outstanding

voting shares of Cooper State Bank, Columbus,

Ohio, pursuant to Section 3(a)(1) of the Bank

Holding Company Act.

C Financial Corporation

Newspaper:

Federal Register:

CIC 11/20/2006

11/22/2006

Notice of Change in Bank Control filed by the

Reckman Group of their intent to acquire up to

96.50 percent of the outstanding voting shares

of Columbia Bancorp, Inc., Cincinnati, Ohio.

COLUMBIA BANCORP, INC

Newspaper:

Federal Register:

CIC Not available

12/05/2006

Notice of Change in Bank Control on behalf of

Mr Thurman Mathews and Mrs Rose Marie

Mathews. The Mathews' became the single

largest shareholder group owning in excess of

10% of Ohio State Bancshares, Inc, Marion,

Ohio.

Notice of Change in Bank Control on behalf of

Mr Thurman Mathews and Mrs Rose Marie

Mathews. The Mathews' became the single

largest shareholder group owning in excess of

10% of Ohio State Bancshares, Inc, Marion,

Ohio.

OHIO STATE BANCSHARES,

INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

PNC Bank, Delaware, Wilmington, Delaware,

to become a member of the Federal Reserve

System

PNC BANK, DELAWARE

Newspaper:

Federal Register:

* 3A5 Not available

12/26/2006

PNC Financial Services Group, Inc.,

Pittsburgh, Pennsylvania, to acquire 100

percent of Mercantile Bankshares Corporation,

Baltimore,Maryland, and thereby indirectly

acquire Marshall National Bank and Trust

Company, Marshall, Virginia, The National

Bank of Fredricksburg, Fredricksburg,

Virginia, The Annapolis Banking and Trust

Company, Annapolis, Maryland, Mercantile

Eastern Shore Bank, Kent, Maryland,

Westminster Union Bank, Carroll, Maryland,

Mercantile County Bank, Cecil, Maryland,

Mercantile Southern Maryland Bank,

Leonardtown, Maryland, The Citizens

National Bank, Laurel, Maryland, Mercantile

Peninsula Bank, Selbyville, Delaware, Farmers

& Mechanics Bank, Frederick, Maryland, and

Mercantile-Safe Deposit and Trust Company,

Baltimore, Maryland.

PNC FINANCIAL SERVICES

GROUP, INC., 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 December 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

MainStreet Bank, Herndon, Virginia, propose 12/16/2006

to establish a branch at 4029 Chain Bridge

Road, Fairfax, Virginia.

MAINSTREET BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Royal Bank of Canada, Montreal, Canada, to

establish a state-licensed agency in Houston,

Texas.

ROYAL BANK OF CANADA

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Second Bank & Trust, Culpeper, Virginia, to 01/10/2007

merge with Virginia Heartland Bank,

Fredericksburg, Virginia.

SECOND BANK & TRUST

* 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 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/05/2006

Atlantic Southern Financial Group, Inc.,

Macon, Georgia, to acquire 100 percent of the

outstanding shares of First Community Bank of

Georgia, Roberta, Georgia.

ATLANTIC SOUTHERN

FINANCIAL GROUP, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caixa de Aforros de Vigo, Ourense e

Pontevedra, Vigo, Spain, to convert an

international agency to a branch office in

Miami, Florida.

CAIXANOVA-CAIXA DE

AFORROS DE VIGO,

OURENSE E PONTEVEDRA

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caja de Ahorros de Valencia, Castellon y

Alicante (Bancaja), Valencia, Spain, to convert

an international agency to a branch office in

Miami, Florida.

CAJA DE AHORROS DE

VALENCIA, CASTELLON Y

ALICANTE, BANCAJA

Newspaper:

Federal Register:

* 3A3 01/02/2007

01/02/2007

IBERIABANK Corporation, Lafayette,

Louisiana, to acquire 100 percent of the

outstanding shares of Pulaski Investment

Corporation, and thereby acquire its subsidiary,

Pulaski Bank & Trust Company, both of Little

Rock, Arkansas.

IBERIABANK CORPORATION

Newspaper:

Federal Register:

* 3A1 12/16/2006

01/02/2007

Piedmont Community Bank Group, Inc., Gray,

Georgia, to become a bank holding company

by acquiring 100 percent of the outstanding

shares of Piedmont Community Bank, Gray,

Georgia.

PIEDMONT COMMUNITY

BANK GROUP, INC.

Newspaper:

Federal Register:

* 3A1 12/18/2006

01/04/2007

Signature Bancshares, Inc., Sandy Springs,

Georgia, to become a bank holding company

by acquiring 100 percent of the outstanding

shares of Signature Bank of Georgia,

Dunwoody, Georgia.

SIGNATURE BANCSHARES,

INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

SmartBank, Pigeon Forge, Tennessee, to

become a member of the Federal Reserve

System.

SMARTBANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

USAmeriBancorp, Inc., Largo, Florida, to

become a bank holding company by acquiring

100 percent of the outstanding shares of

USAmeriBank, Largo, Florida (in

organization).

USAMERIBANCORP, 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 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

American Trust & Savings Bank, Dubuque, 12/14/2006

Iowa, to establish a branch facility to be located

at 9350 University Avenue, West Des Moines,

Iowa.

AMERICAN TRUST &

SAVINGS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

American Trust & Savings Bank, Dubuque, 12/14/2006

Iowa, to establish a branch facility to be located

at 1600 University Avenue, Dubuque, Iowa.

AMERICAN TRUST &

SAVINGS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

American Trust & Savings Bank, Dubuque, 12/14/2006

Iowa, to establish a branch facility to be located

at 4730 Asbury Road, Dubuque, Iowa.

AMERICAN TRUST &

SAVINGS BANK

Newspaper:

Federal Register:

CIC Not available

12/27/2006

Notice by Geffrey A. Sawtelle, Neshkoro,

Wisconsin, to acquire greater than 25 percent

of the common stock of FEB Bancshares, Inc.,

Neshkoro, Wisconsin, and thereby indirectly

acquire Farmers Exchange Bank, Neshkoro,

Wisconsin.

FEB BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First American Bank, Fort Dodge, Iowa, to

merge with First American Bank, NA, Naples,

Florida. As a result of this merger, all offices

of First American Bank, NA, Naples, Florida,

will become branches of First American Bank,

Fort Dodge.

FIRST AMERICAN BANK

Newspaper:

Federal Register:

* 3A3 Not available

12/29/2006

Greene Investment Co., Jefferson, Iowa, to

acquire 100 percent of Dunlap Corporation,

Slater, Iowa, and thereby indirectly acquire

South Story Bank & Trust, Slater, Iowa.

GREENE INVESTMENT CO.

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Heartland Bancorp, Inc., Bloomington,

Illinois, to acquire 100 percent of the voting

shares of First Federal Bancshares, Inc.,

Colchester, Illinois, and thereby indirectly

acquire First Federal Bank, Colchester,

Illinois, and thereby operate a savings

association.

HEARTLAND BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

The Northern Trust Company, Chicago, 12/15/2006

Illinois, to establish a branch facility to be

located at 203 East Liberty Street, Wheaton,

Illinois.

NORTHERN TRUST

COMPANY, THE

Newspaper:

Federal Register:

* 3A1 Not available

01/02/2007

P/R Bancorp, Spartanburg, Indiana, to become

a bank holding company by acquiring 100

percent of the voting shares of Greensfork

Township State Bank, Spartanburg, Indiana.

P/R BANCORP

* 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 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/07/2007

01/05/2007

Cross County Bancshares, Inc., Wynne,

Arkansas, to acquire up to 10.66 percent of

Central Bank, Little Rock, Arkansas.

CROSS COUNTY

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

First American Financial Holdings, Inc.,

Nashville, Tennessee, to become a bank

holding company by acquiring 100 percent of

Planters Bank of Tennessee, Maury City,

Tennessee.

First American Financial

Holdings, Inc.

Newspaper:

Federal Register:

* 3A3 01/06/2007

01/05/2007

Lonoke Bancshares, Inc., Lonoke, Arkansas, to

acquire up to 10.66 percent of Central Bank,

Little Rock, Arkansas.

LONOKE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 01/07/2007

01/05/2007

Tyronza Bancshares, Marked Tree, Arkansas,

to acquire up to 7.10 percent of Central Bank,

Little Rock, Arkansas.

TYRONZA BANCSHARES

* 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 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 12/15/2006

12/20/2006

Retroactive Change in Bank Control notice by

Earl A. Davis, Rapid City, South Dakota,

individually and as part of a group acting in

concert with Davis Trusts, co-trustees Pioneer

Bank & Trust, Belle Fourche, South Dakota,

and Earl A. Davis, Rapid City, South Dakota;

Earl A. Davis individually; the Florence E.

Davis Credit Equivalency Trust, co-trustees

Pioneer Bank & Trust, Belle Fourche, South

Dakota, and Arthur H. Davis, Rapid City,

South Dakota; the E.L. Davis Trust, co-trustees

Earl A. Davis and Loretta L. Davis, both of

Rapid City, South Dakota; Terry C. Davis and

Elly R. Davis, both of Fair Oaks, California, to

gain control of Belle Fourche Bancshares, Inc.,

Spearfish, South Dakota, and thereby indirectly

gain control of Pioneer Bank & Trust, Belle

Fourche, South Dakota.

BELLE FOURCHE

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

First National Financial Services, Inc., Elk

River, Minnesota to acquire 100 percent of

Maple Lake Bancorporation, Edina, Minnesota

and thereby indirectly acquire Security State

Bank of Maple Lake, Maple Lake, Minnesota.

FIRST NATIONAL FINANCIAL

SERVICES INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Security Bank of Missoula, Missoula,

Montana, to merge with Citizens State Bank of

Hamilton, Hamilton, Montana and incident

thereto proposes to establish branches at 100

Main Street, Hamilton, Montana, and 297

Woodside Cutoff Road, Corvallis, Montana.

FIRST SECURITY BANK OF

MISSOULA

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Glacier Bank, Kalispell, Montana to merge

with First Citizens Bank, N.A., Columbia

Falls, Montana and incident thereto proposes

to establish branches at 540 Nucleus, Columbia

Falls, Montana and 490 Reserve Drive,

Kalispell, Montana.

GLACIER BANK

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending December 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/20/2006

Notice by Walter G. Fries, Wabasha,

Minnesota; Raymond B. Pinson, Del Ray

Beach, Florida; Kenneth D. Myers, Apple

Valley, Minnesota; GLA Investments, L.L.C.,

Lakeville, Minnesota, Gary Anderson as

general partner; AMSIE Enterprise, LLC,

Minnetonka, Minnesota, Donald Eisma as

general partner; Nancy Ludwig and Francis N.

Ludwig, Apple Valley, Minnesota; Richard B.

Lambert, Jr., Apple Valley, Minnesota; Russell

S. Sampson, Prior Lake, Minnesota; Curtis A.

Sampson, Hector, Minnesota; Craig Potts,

Henderson, Nevada; Brett D. Reese,

Northfield, Minnesota; S & L Investments,

LLP, Bloomington, Minnesota, David Stueve

as general partner; Savage Capitalists, LLP,

Bloomington, Minnesota, David Stueve as

general partner; Pershing LLC FBO Richard

D. Estenson IRA, Northfield, Minnesota;

Charles and Cindy Beske, Lakeville,

Minnesota; Brian Bauer, Garvin, Minnesota;

and Severson Family Limited Partnership,

Lakeville, Minnesota, Larry Severson as

general partner, acting as a group in concert to

gain control of L&M Bancshares, Inc.,

Shakopee, Minnesota, and thereby indirectly

gain control of Northwest Community Bank,

Champlin, Minnesota.

L & M BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Western Security Bank, Billings, Montana, to

merge with First Citizens Bank of Billings,

Billings, Montana and incident thereto

proposes to establish five branches.

WESTERN SECURITY 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 December 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 12/26/2006

12/26/2006

Community Bankshares, Inc., Greenwood

Village, Colorado, to acquire 100 percent of

the voting shares of Citizens Financial

Corporation, parent of Citizens State Bank of

Cortez, both in Cortez, Colorado.

COMMUNITY BANKSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

12/29/2006

First Independent Bancorp, Inc., Chickasha,

Oklahoma, to acquire 100 percent of the voting

shares of Cyril State Bank, Cyril, Oklahoma.

FIRST INDEPENDENT

BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 18C

* Branch

01/05/2007

First State Bancorporation, Albuquerque, New

Mexico, to acquire 100 percent of the voting

shares of Front Range Capital Corporation,

parent of Heritage Bank, both in Louisville,

Colorado. First Community Bank, Taos, New

Mexico, to merge with Heritage Bank,

Louisville, Colorado, and incident thereto, to

establish thirteen branches at 2775 Pearl Street

and 1900 Ninth Street, both in Boulder; 811

South Public Road and 2695 North Park Drive,

Suite 101, both in Lafayette; 1543 Wazee

Street and 3850 York Street, both in Denver;

1020 Century Drive and 801 Main Street, both

in Louisville; Erie, Broomfield, Longmont,

Niwot, and Firestone, all in Colorado.

FIRST STATE

BANCORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Heritage Group, Inc., Aurora, Nebraska,

proposes to engage in lending activities.

HERITAGE GROUP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Mackey Banco, Inc., to engage in general

insurance activities through the acquisition of

Ansley Agency, Inc., both in Ansley, Nebraska.

MACKEY BANCO, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Nebraska Bankers' Bank, Lincoln, Nebraska to

retain its membership in the Federal Reserve

System following its conversion from a

national to a state charter.

NEBRASKA BANKERS' BANK,

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Nodaway Valley Bancshares, Inc., Maryville,

Missouri, to acquire 100 percent of the voting

shares of Exchange Bank, Mound City,

Missouri.

NODAWAY VALLEY

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 December 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 12/12/2006

12/19/2006

Notification by Charles Patrick Larsh,

Yucaipa, California; Jeffrey Scott Larsh,

Indianapolis, Indiana; Lorene Stuart Larsh,

Oklahoma City, Oklahoma; Steven Stuart

Larsh, Libby, Montana; Mary Katherine

McCarson, Kannapolis, North Carolina; Krista

Marie Gomez, Arlington, Virginia; Thelma

Stuart Stevens, Billings, Montana; Douglas

Grant Stuart, Wagoner, Oklahoma; Douglas

Grant Stuart, Jr., Austin, Texas; Elizabeth

Allison Stuart, Silver Springs, Maryland; Ellen

Rothermel Stuart, Dallas, Texas; Emily Anne

Stuart, Columbia, Missouri; John Arthur

Stuart, Jr., M.D., Dallas, Texas; John Arthur

Stuart, III, Chandler, Arizona; Katherine

Allison Stuart, West Lafayette, Indiana;

Margaret Elizabeth Stuart, Chicago, Illinois;

Monica Ann Stuart, Wagoner, Oklahoma;

Sarah Rothermel Stuart, Nashville, Tennessee;

as a group acting in concert; and Ellen

Rothermel Stuart and John Arthur Stuart, Jr.,

M.D., both of Dallas, Texas; as individuals, to

acquire control of Pawhuska Financial Corp.,

parent of First National Bank in Pawhuska,

both in Pawhuska, Oklahoma.

PAWHUSKA FINANCIAL

CORP.

Newspaper:

Federal Register:

CIC Not available

12/28/2006

Notification by Raymond E. Wooldridge,

Dallas, Texas, to acquire control of Reeves

Bancshares, Inc., Gould, Oklahoma, parent of

Stockmans Bank, Altus, Oklahoma.

REEVES BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/03/2007

12/29/2006

Gulfport Bancshares of Delaware,Inc.,

Wilmington, Delaware, to become a bank

holding company by acquiring 100 percent of

Gulfport Bancshares, Inc., Clute, Texas, and

indirectly acquire Brazos National Bank,

Richwood, Texas.

GULFPORT BANCSHARES OF

DELAWARE, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

MS Financial, Inc., Kingwood, Texas, to

become a bank holding company by acquiring

100 percent of Main Street Bank, Kingwood,

Texas.

MS FINANCIAL, 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 December 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Whitman, Colfax, Washington, to 12/15/2006

establish a branch facility at 303 Bridge Street,

Clarkston, Washington.

BANK OF WHITMAN

* 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