FEDERAL DEPOSIT INSURANCE CORPORATION 

MERGER DECISIONS 

ANNUAL REPORT TO CONGRESS 

Bank Merger Act Reporting Requirements 

(January 01, 2007 through December 31, 2007) 

All of the following Merger applications have been approved by the FDIC during the year 2007. 

With regard to each of these applications, the FDIC considered and found favorably with respect 

to the statutory factors involved, including the financial and managerial resources; future 

prospects; convenience and needs of the community to be served, and the effectiveness of each 

depository institution involved in the merger in combating money laundering activities, including 

in overseas branches. 

Except as noted, reports regarding the competitive factors were requested from the Attorney 

General, and the Summary Report by the Attorney General indicated that the transaction would 

not have a significant adverse effect on competition. 

In each case, the FDIC has determined (1) that the transaction would not result in a monopoly or 

further any combination or conspiracy to monopolize or to attempt to monopolize the business of 

banking in any part of the United States; and (2) that the transaction would not have the effect in 

any section of the country to substantially lessen competition or tend to create a monopoly or in 

any other manner restrain trade, unless the anticompetitive effects of the transaction were clearly 

outweighed in the public interest by the probable effect of transaction in meeting the convenience 

and needs of the community to be served. 

Note: Additional copies of this Report can be downloaded from the FDIC's web site at 

www.fdic.gov/bank/individual/merger/

1
Regular Mergers

Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

NORTHRIM BANK 

ANCHORAGE, AK 

943,750 33216 Alaska First Bank & Trust, National 

Association 

ANCHORAGE, AK 

59,742 2 27311 09/28/2007 09/14/2007 20072266 

Signature Bank of Arkansas 

FAYETTEVILLE, AR 

342,893 89 Bank of Brinkley 

BRINKLEY, AR 

140,215 2 11245 03/23/2007 03/21/2007 20070226 

Cathay Bank 

LOS ANGELES, CA 

7,619,858 18503 United Heritage Bank 

EDISON, NJ 

60,428 1 34417 03/13/2007 02/01/2007 20063642 

Wilshire State Bank 

LOS ANGELES, CA 

2,006,522 23301 Royal Bank America 

NARBERTH, PA 

1,270,477 16 18962 03/22/2007 02/16/2007 20063181 

Citizens Business Bank 

ONTARIO, CA 

6,087,628 21716 First Coastal Bank, National Association 

MANHATTAN BEACH, CA 

237,742 4 25832 06/07/2007 04/27/2007 20070922 

Heritage Oaks Bank 

PASO ROBLES, CA 

589,423 24229 Business First National Bank 

SANTA BARBARA, CA 

154,376 2 35457 09/05/2007 08/29/2007 20072064 

United Commercial Bank 

SAN FRANCISCO, CA 

10,324,737 32469 The Chinese American Bank 

NEW YORK, NY 

333,017 3 19736 03/16/2007 02/01/2007 20070139 

Colorado East Bank & Trust 

LAMAR, CO 

487,170 3027 Peoples National Bank Colorado 61,769 

COLORADO SPRINGS, CO 

2 16409 03/09/2007 03/02/2007 20070188 

The Pueblo Bank and Trust Company 

PUEBLO, CO 

360,483 12594 High Country Bank 

SALIDA, CO 

19,907 1 29783 03/01/2007 02/01/2007 20070164 

The State Bank of Wiley 

WILEY, CO 

139,212 12699 Cheyenne Mountain Bank 

COLORADO SPRINGS, CO 

43,205 2 25719 06/28/2007 06/05/2007 20071310 

Salisbury Bank and Trust Company 

LAKEVILLE, CT 

426,386 18467 New York Community Bank 433 

WESTBURY, NY 

1 16022 02/09/2007 12/06/2006 20063175 

The Bancorp Bank 

WILMINGTON, DE 

1,467,760 35444 BANKFIRST 

SIOUX FALLS, SD 

115,139 0 34103 11/02/2007 09/28/2007 20072428 

Bank of Florida - Southwest 

NAPLES, FL 

378,920 35106 Old Florida Bank 

FORT MYERS, FL 

287,419 3 34801 03/27/2007 12/21/2006 20063033 

Florida Shores Bank - Southwest 

VENICE, FL 

0 58616 Florida Shores Bank - Southeast 

POMPANO BEACH, FL 

6,500 1 58331 08/09/2007 07/10/2007 20071678 

First Choice Community Bank 

DALLAS, GA 

53,397 58539 First Tennessee Bank, National 

Association 

MEMPHIS, TN 

18,131 1 4977 11/16/2007 11/08/2007 20072653 

Pinnacle Bank 

ELBERTON, GA 

434,274 14065 Georgia Central Bank 

SOCIAL CIRCLE, GA 

94,239 3 5708 07/13/2007 06/21/2007 20071402 

Citizens State Bank 

KINGSLAND, GA 

55,406 19753 Old Florida Bank 

FORT MYERS, FL 

6,500 1 34801 03/27/2007 12/18/2006 20063236 

Atlantic Southern Bank 

MACON, GA 

788,646 57213 CenterState Bank Mid Florida 104,603 

LEESBURG, FL 

1 57334 11/01/2007 09/28/2007 20072536 

First Choice Community Bank 1874 

NEWNAN, GA 

159,129 16574 First Tennessee Bank, National 

Association 

MEMPHIS, TN 

3,311 1 4977 11/13/2007 11/08/2007 20072697 

Fidelity Bank 

NORCROSS, GA 

1,647,235 21440 United Heritage Bank 

ORLANDO, FL 

 0 1 57108 04/13/2007 04/03/2007 20070584 

Regular Mergers (Page 1 of 8, of 147 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

2
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

First Covenant Bank 

WOODSTOCK, GA 

58,176 58294 NBank, National Association 

COMMERCE, GA 

107,067 1 2127 06/04/2007 04/11/2007 20070759 

Peoples Trust & Savings Bank 

ADEL, IA 

176,925 14692 Pinnacle Bank 

MARSHALLTOWN, IA 

10,377 1 252 01/23/2007 01/12/2007 20063469 

Iowa State Savings Bank 

CRESTON, IA 

120,805 8751 Union Bank, National Association 

GILBERT, AZ 

29,616 2 34485 11/13/2007 10/23/2007 20072675 

Decorah Bank & Trust Company 

DECORAH, IA 

224,331 15200 Fortress Bank of Cresco 

CRESCO, IA 

81,242 1 34223 10/02/2007 09/14/2007 20072253 

Fidelity Bank & Trust 

DYERSVILLE, IA 

121,495 14382 The First National Bank, Oelwein 97,665 

OELWEIN, IA 

2 4485 05/08/2007 04/03/2007 20070670 

Iowa Trust & Savings Bank 

EMMETSBURG, IA 

100,146 18400 MetaBank 

STORM LAKE, IA 

12,300 1 30776 03/26/2007 03/13/2007 20070457 

Security Savings Bank 

LARCHWOOD, IA 

65,938 15734 George State Bank 

GEORGE, IA 

45,903 1 14842 03/16/2007 02/16/2007 20070148 

First State Bank 

NORA SPRINGS, IA 

48,897 8093 The First State Bank of Thornton, Iowa 

THORNTON, IA 

20,999 3 15768 12/28/2007 12/21/2007 20073158 

Peoples Bank 

ROCK VALLEY, IA 

242,540 16265 Farmers State Bank 

HAWARDEN, IA 

45,703 1 227 12/10/2007 11/20/2007 20072978 

Iowa State Bank 

SAC CITY, IA 

69,141 10497 MetaBank 

STORM LAKE, IA 

31,440 3 30776 04/03/2007 03/28/2007 20070491 

First Trust and Savings Bank 

WHEATLAND, IA 

83,121 8752 Valley Bank 

MOLINE, IL 

150 1 10450 11/27/2007 11/20/2007 20072970 

Ireland Bank 

MALAD CITY, ID 

201,223 1237 Summit National Bank 

HULETT, WY 

29,813 2 25054 07/17/2007 05/21/2007 20071233 

Heartland Bank and Trust Company 

BLOOMINGTON, IL 

921,154 20369 Bankplus, FSB 

MORTON, IL 

287,991 8 30414 06/14/2007 05/10/2007 20071183 

Chicago Community Bank 

CHICAGO, IL 

289,473 14267 First East Side Savings Bank 54,000 

CHICAGO, IL 

1 28144 08/16/2007 08/09/2007 20071863 

Meridian Bank 

ELDRED, IL 

53,557 13789 National Bank 

HILLSBORO, IL 

6,000 1 16276 05/01/2007 04/26/2007 20070558 

Mutual Bank 

HARVEY, IL 

1,102,191 18659 Northfield Bank 

STATEN ISLAND, NY 

35,073 2 28710 01/22/2007 01/12/2007 20063471 

Banterra Bank 

MARION, IL 

946,735 17514 The Exchange National Bank of Jefferson 

City 

JEFFERSON CITY, MO 

472,881 8 4542 08/09/2007 07/10/2007 20071823 

Morton Community Bank 

MORTON, IL 

1,387,186 18429 Associated Bank, National Association 

GREEN BAY, WI 

110,000 7 5296 10/25/2007 09/13/2007 20072272 

AmericaUnited Bank and Trust Company 

USA 

SCHAUMBURG, IL 

220,372 19418 First National Bank-Employee Owned 

ANTIOCH, IL 

146,917 2 3597 08/16/2007 08/09/2007 20071874 

Bloomfield State Bank 

BLOOMFIELD, IN 

373,935 15714 Community First Bank 

CORYDON, IN 

4,146 1 12827 01/09/2007 12/21/2006 20063349 

Regular Mergers (Page 2 of 8, of 147 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

3
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

State Bank of Downs 

DOWNS, KS 

50,178 9659 FirstBank of Greeley 

GREELEY, CO 

250 1 34307 07/03/2007 06/21/2007 20071304 

Brotherhood Bank & Trust 

KANSAS CITY, KS 

513,443 1874 Park Bank 

PARKVILLE, MO 

55,078 4 17139 10/12/2007 09/28/2007 20072439 

The Morrill and Janes Bank and Trust 

Company 

MERRIAM, KS 

427,070 1143 Exchange Bank 

MOUND CITY, MO 

20,380 1 8592 04/25/2007 04/03/2007 20070693 

The Bank of Protection 

PROTECTION, KS 

23,109 23099 The Citizens State Bank 

ASHLAND, KS 

10,686 2 17648 08/15/2007 07/30/2007 20071918 

Commerce Bank and Trust 

TOPEKA, KS 

1,176,943 18100 First United Bank, National Association 

ENGLEWOOD, CO 

500 1 24312 09/05/2007 08/29/2007 20072173 

The Bank of Kentucky, Inc. 

CRESTVIEW HILLS, KY 

1,050,229 33022 First Bank of Northern Kentucky, Inc. 

FORT MITCHELL, KY 

78,742 1 33556 04/23/2007 04/03/2007 20070685 

PBI Bank 

LOUISVILLE, KY 

1,112,005 9314 Kentucky Trust Bank 120,406 

BEAVER DAM, KY 

6 12144 08/30/2007 08/09/2007 20072042 

PBI Bank 

LOUISVILLE, KY 

1,245,551 9314 SCB BANK 

SHELBYVILLE, IN 

67,700 1 29761 12/26/2007 12/06/2007 20073067 

Fidelity Homestead Savings Bank 

NEW ORLEANS, LA 

837,770 28316 Your Bank 

PONCHATOULA, LA 

51,174 2 57812 10/15/2007 09/14/2007 20072447 

St. Martin Bank and Trust Company 

SAINT MARTINVILLE, LA 

202,299 12610 American Bank 

WELSH, LA 

58,401 4 19594 11/13/2007 10/23/2007 20072761 

Eastern Bank 

BOSTON, MA 

6,581,479 32773 Sharon Co-operative Bank 

SHARON, MA 

67,781 1 26446 04/18/2007 04/11/2007 20070698 

East Cambridge Savings Bank 

CAMBRIDGE, MA 

749,476 90173 The First National Bank of Ipswich 

IPSWICH, MA 

19,660 1 2595 03/01/2007 02/16/2007 20070236 

Danversbank 

DANVERS, MA 

1,241,810 90185 BankMalden, A Co-operative Bank 

MALDEN, MA 

49,941 1 26449 01/09/2007 12/21/2006 20063338 

Dukes County Savings Bank 

EDGARTOWN, MA 

299,436 90190 The Martha's Vineyard Co-operative Bank 

of Tisbury 

VINEYARD HAVEN, MA 

162,522 3 26603 08/24/2007 08/09/2007 20072015 

Haverhill Bank 

HAVERHILL, MA 

164,007 26411 Northeast Community Credit Union 

HAVERHILL, MA 

78,824 2 0 11/15/2007 10/23/2007 20072711 

Hudson Savings Bank 

HUDSON, MA 

659,678 90215 Westborough Savings Bank 

WESTBOROUGH, MA 

299,813 5 90299 03/14/2007 03/02/2007 20070263 

The Needham Co-operative Bank 

NEEDHAM, MA 

595,121 26483 Dedham Co-operative Bank 

DEDHAM, MA 

85,326 1 27232 02/28/2007 02/01/2007 20070150 

Institution for Savings in Newburyport 

and Its Vicinity 

NEWBURYPORT, MA 

552,637 90250 Ipswich Co-operative Bank 

IPSWICH, MA 

240,297 2 26452 04/10/2007 04/03/2007 20070618 

Berkshire Bank 

PITTSFIELD, MA 

2,139,036 23621 The Factory Point National Bank of 

Manchester Center 

MANCHESTER CENTER, VT 

336,080 7 6274 08/09/2007 07/10/2007 20071844 

Legacy Banks 

PITTSFIELD, MA 

811,432 90265 First Niagara Bank 83,746 

LOCKPORT, NY 

5 16004 10/15/2007 09/28/2007 20072361 

Regular Mergers (Page 3 of 8, of 147 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

4
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

Mechanics' Co-operative Bank 

TAUNTON, MA 

169,260 26634 Bridgewater Co-operative Bank 

BRIDGEWATER, MA 

13,365 1 26550 10/01/2007 09/14/2007 20072319 

Bangor Savings Bank 

BANGOR, ME 

2,057,428 18408 Pepperell Bank & Trust 

BIDDEFORD, ME 

103,017 5 12873 07/16/2007 07/10/2007 20071684 

Independent Bank 

BAY CITY, MI 

1,479,571 27811 TCF National Bank 

WAYZATA, MN 

141,279 7 28330 01/22/2007 12/18/2006 20070100 

Independent Bank - South Michigan 

EAST LANSING, MI 

506,702 13930 TCF National Bank 

WAYZATA, MN 

96,903 3 28330 01/18/2007 12/18/2006 20063408 

The Miners State Bank 

IRON RIVER, MI 

84,914 10928 mBank 

MANISTIQUE, MI 

12,035 1 14816 10/12/2007 10/12/2007 20072333 

KleinBank 

BIG LAKE, MN 

1,264,263 1414 Eagle Valley Bank, National Association 

ST. CROIX FALLS, WI 

4,868 1 5365 07/18/2007 06/21/2007 20071542 

Exchange State Bank 

HILLS, MN 

73,139 8212 Hardwick State Bank 

HARDWICK, MN 

12,152 1 10575 09/13/2007 08/09/2007 20072066 

Eastwood Bank 

KASSON, MN 

299,151 8208 Fortress Bank Minnesota 

HOUSTON, MN 

39,077 2 12188 03/29/2007 03/13/2007 20070425 

Bank of Billings 

BILLINGS, MO 

33,186 16959 First State Bank of Purdy 

PURDY, MO 

9,685 1 16162 11/23/2007 11/20/2007 20072917 

Citizens Union State Bank and Trust 

CLINTON, MO 

342,356 10619 Bank of Kansas City, National 

Association 

OVERLAND PARK, KS 

108,851 2 12690 02/21/2007 01/12/2007 20063608 

Citizens Union State Bank and Trust 

CLINTON, MO 

450,266 10619 Centrue Bank 

STREATOR, IL 

216,580 6 3744 05/16/2007 04/27/2007 20070910 

Hawthorn Bank 

CLINTON, MO 

658,598 10619 Banterra Bank 

MARION, IL 

498,942 8 17514 08/01/2007 07/10/2007 20071803 

Premier Bank 

JEFFERSON CITY, MO 

1,167,953 34016 The First National Bank of Jonesboro 

JONESBORO, IL 

64,992 2 3804 04/06/2007 03/21/2007 20070459 

Liberty First Bank 

LIBERTY, MO 

47,400 57651 Brotherhood Bank & Trust 

KANSAS CITY, KS 

55,078 4 1874 10/12/2007 09/28/2007 20072437 

The Nodaway Valley Bank 

MARYVILLE, MO 

568,749 8904 The Morrill and Janes Bank and Trust 

Company 

MERRIAM, KS 

21,712 1 1143 04/25/2007 04/11/2007 20070705 

State Bank & Trust Company 

GREENWOOD, MS 

833,768 8878 The American Bank 94,116 

GENEVA, AL 

1 17495 05/25/2007 05/10/2007 20071122 

Mechanics & Farmers Bank 

DURHAM, NC 

227,424 12266 Mutual Community Savings Bank, SSB 

DURHAM, NC 

83,479 3 30118 12/27/2007 11/20/2007 20072661 

Yadkin Valley Bank and Trust Company 

ELKIN, NC 

1,144,340 19861 Cardinal State Bank 

DURHAM, NC 

198,259 4 57172 11/30/2007 09/14/2007 20072140 

Bank of the Valley 

BELLWOOD, NE 

39,126 25291 Platte Center Bank 

PLATTE CENTER, NE 

7,428 1 16234 06/13/2007 05/10/2007 20070978 

First State Bank 

GOTHENBURG, NE 

242,889 13622 Omaha State Bank 

OMAHA, NE 

2,235 1 20628 02/05/2007 01/19/2007 20063648 

Regular Mergers (Page 4 of 8, of 147 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

5
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

Cape Savings Bank 

CAPE MAY COURT HOUSE, NJ 

620,054 28395 Boardwalk Bank 

LINWOOD, NJ 

444,909 7 35143 11/13/2007 11/08/2007 20072678 

1st Constitution Bank 

CRANBURY, NJ 

391,134 27552 Sun National Bank 

VINELAND, NJ 

50 1 26240 01/24/2007 01/19/2007 20063440 

The Provident Bank 

JERSEY CITY, NJ 

5,720,415 12010 First Morris Bank and Trust 

MORRIS TOWNSHIP, NJ 

584,489 9 19975 03/12/2007 02/16/2007 20070213 

Lincoln Park Savings Bank 

LINCOLN PARK, NJ 

93,511 28963 GSL Savings Bank 

GUTTENBERG, NJ 

777 1 28708 06/14/2007 06/05/2007 20071161 

Four Corners Community Bank 

FARMINGTON, NM 

133,628 35441 Cheyenne Mountain Bank 

COLORADO SPRINGS, CO 

250 1 25719 06/25/2007 05/21/2007 20071283 

First New Mexico Bank, Las Cruces 

LAS CRUCES, NM 

0 58745 First New Mexico Bank 

DEMING, NM 

71,930 2 18514 11/26/2007 11/20/2007 20072948 

New York Commercial Bank 

ISLANDIA, NY 

2,814,992 32749 Doral Bank, FSB 

NEW YORK, NY 

446,715 11 34905 06/14/2007 06/05/2007 20071162 

Amalgamated Bank 

NEW YORK, NY 

4,582,775 622 Nevada State Bank 

LAS VEGAS, NV 

 44 3 18113 08/30/2007 08/30/2007 20072013 

Ridgewood Savings Bank 

NEW YORK, NY 

3,320,503 16026 City and Suburban FSB 

YONKERS, NY 

669,944 6 30449 06/08/2007 04/20/2007 20070872 

Shinhan Bank America 

NEW YORK, NY 

684,449 33188 North Atlanta National Bank 138,854 

ALPHARETTA, GA 

1 34661 09/20/2007 08/29/2007 20072224 

The Oneida Savings Bank 

ONEIDA, NY 

431,166 15975 The National Bank of Vernon 

VERNON, NY 

56,943 3 7334 03/08/2007 12/28/2006 20063356 

New York Community Bank 

WESTBURY, NY 

26,648,063 16022 Penn Federal Savings Bank 

NEWARK, NJ 

2,333,427 24 30179 02/14/2007 01/16/2007 20063633 

New York Community Bank 

WESTBURY, NY 

25,939,995 16022 Synergy Bank 

CRANFORD, NJ 

962,207 21 34851 08/06/2007 07/10/2007 20071772 

The Farmers & Merchants State Bank 

ARCHBOLD, OH 

718,794 5969 Knisely Bank 

BUTLER, IN 

46,693 3 14608 12/14/2007 11/08/2007 20072754 

The Community Bank 

CROOKSVILLE, OH 

146,936 5981 Community Financial Advisors, Ltd. 

ZANESVILLE, OH 

1,250 0 0 12/14/2007 12/07/2007 20073072 

 Community Wealth Group, Ltd. 1,250 

ZANESVILLE, OH 

0 0 

The Middlefield Banking Company 

MIDDLEFIELD, OH 

339,210 13716 Geauga Savings Bank 21,200 

NEWBURY, OH 

0 32287 06/19/2007 05/10/2007 20071078 

Umpqua Bank 

ROSEBURG, OR 

7,333,179 17266 Vintage Bank 

NAPA, CA 

654,051 10 25853 03/23/2007 03/21/2007 20070481 

Brentwood Bank 

BETHEL PARK, PA 

413,289 27943 Community Bank 

CARMICHAELS, PA 

17,000 1 7848 08/22/2007 08/08/2007 20071956 

CommunityBanks 

MILLERSBURG, PA 

3,420,958 12984 East Prospect State Bank 

EAST PROSPECT, PA 

61,112 1 13285 01/12/2007 12/28/2006 20063489 

Regular Mergers (Page 5 of 8, of 147 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

6
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

CommunityBanks 

MILLERSBURG, PA 

3,420,958 12984 BUCS Federal Bank 

OWINGS MILLS, MD 

148,030 4 34795 02/07/2007 01/12/2007 20063649 

Beneficial Mutual Savings Bank 

PHILADELPHIA, PA 

2,293,762 15697 Farmers and Mechanics Bank 

BURLINGTON, NJ 

1,186,457 33 28435 05/24/2007 04/20/2007 20070794 

Royal Asian Bank 

PHILADELPHIA, PA 

61,155 58196 Wilshire State Bank 

LOS ANGELES, CA 

6,000 1 23301 01/25/2007 12/21/2006 20063355 

Allegheny Valley Bank of 

Pittsburgh 

PITTSBURGH, PA 

365,000 6058 Metropolitan Savings 

PITTSBURGH, PA 

15,760 1 35353 2/2/2007 See Note 2 20080577 

Tristate Capital Bank 

PITTSBURGH, PA 

171,751 58457 Sterling Bank 

MOUNT LAUREL, NJ 

0 1 33211 12/18/2007 11/20/2007 20072954 

Northwest Savings Bank 

WARREN, PA 

6,564,717 28178 CSB Bank 

CURWENSVILLE, PA 

222,571 5 15921 04/06/2007 03/21/2007 20070555 

Citizens & Northern Bank 

WELLSBORO, PA 

1,063,970 7799 Citizens Trust Company 

COUDERSPORT, PA 

144,144 3 11871 03/28/2007 03/13/2007 20070394 

Berkshire Bank 

WYOMISSING, PA 

101,718 57492 Fleetwood Bank 

FLEETWOOD, PA 

7,844 2 13561 05/03/2007 04/27/2007 20070869 

First Citizens Bank and Trust Company, 

Inc. 

COLUMBIA, SC 

5,929,868 15504 The National Bank of South Carolina 

SUMTER, SC 

14,301 1 2111 11/09/2007 10/23/2007 20072641 

The Citizens Bank 

OLANTA, SC 

255,776 15932 Johnsonville State Bank 

JOHNSONVILLE, SC 

21,920 1 16420 05/01/2007 04/11/2007 20070718 

The Citizens Bank 

OLANTA, SC 

255,776 15932 Pamplico Bank and Trust Company 

PAMPLICO, SC 

19,034 1 16301 05/01/2007 04/11/2007 20070719 

Great Western Bank 

WATERTOWN, SD 

3,149,904 15289 Sunstate Bank 

CASA GRANDE, AZ 

200,627 11 25333 04/19/2007 04/03/2007 20070677 

Greene County Bank 

GREENEVILLE, TN 

1,771,120 895 Cumberland Bank 

FRANKLIN, TN 

894,212 12 31916 04/30/2007 04/03/2007 20070548 

Prosperity Bank 

EL CAMPO, TX 

4,522,528 16835 Gateway National Bank 253,224 

DALLAS, TX 

6 23803 01/03/2007 10/24/2006 20062704 

Prosperity Bank 

EL CAMPO, TX 

4,522,528 16835 Northwest Bank 

ROANOKE, TX 

167,398 5 24030 01/03/2007 11/06/2006 20062881 

Prosperity Bank 

EL CAMPO, TX 

4,522,528 16835 State Bank 1,137,966 

LA GRANGE, TX 

24 10346 01/10/2007 12/06/2006 20063183 

Prosperity Bank 

EL CAMPO, TX 

6,315,130 16835 The Bank of Navasota, National 

Association 

NAVASOTA, TX 

73,179 1 24495 07/20/2007 07/10/2007 20071597 

Prosperity Bank 

EL CAMPO, TX 

6,163,615 16835 Banco Popular North America 

NEW YORK, NY 

158,070 6 34967 12/20/2007 12/07/2007 20073024 

United Central Bank 

GARLAND, TX 

679,813 25330 Mercantile National Bank 

LOS ANGELES, CA 

500 1 23757 03/23/2007 03/02/2007 20070140 

Franklin Bank, S.S.B. 

HOUSTON, TX 

5,533,327 26870 The First National Bank of Bryan 

BRYAN, TX 

529,765 6 3119 04/18/2007 04/03/2007 20070173 

Sterling Bank 

HOUSTON, TX 

4,114,661 21726 Partners Bank of Texas 185,935 

HUMBLE, TX 

4 57661 03/08/2007 03/02/2007 20070238 

Regular Mergers (Page 6 of 8, of 147 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

7
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

Sterling Bank 

HOUSTON, TX 

4,411,715 21726 First Tennessee Bank, National 

Association 

MEMPHIS, TN 

93,739 10 4977 11/13/2007 11/08/2007 20072701 

International Bank of Commerce 

LAREDO, TX 

8,966,456 19629 Commercial State Bank 

SINTON, TX 

54,450 2 1217 02/15/2007 01/19/2007 20070009 

First Bank & Trust Company 

LUBBOCK, TX 

325,214 14778 Wilson State Bank 

WILSON, TX 

47,566 2 14594 05/21/2007 04/20/2007 20070825 

Platinum Bank 

LUBBOCK, TX 

0 58608 First National Bank of Monahans 

MONAHANS, TX 

64,769 1 16770 05/24/2007 03/21/2007 20070484 

Synergy Bank, S.S.B. 

WACO, TX 

96,875 34669 First Bank 

CREVE COEUR, MO 

54,642 2 12229 06/29/2007 06/21/2007 20071474 

International Bank of Commerce 

ZAPATA, TX 

368,847 24961 State Bank & Trust Company 72,680 

BEEVILLE, TX 

2 10701 02/15/2007 01/19/2007 20070012 

Frontier Bank 

EVERETT, WA 

3,494,270 22710 Bank of Salem 

SALEM, OR 

210,158 3 33313 11/15/2007 11/08/2007 20072733 

First Sound Bank 

SEATTLE, WA 

180,680 57799 Puget Sound Leasing Co., Inc. 

BELLEVUE, WA 

42,201 0 0 12/14/2007 11/20/2007 20072781 

AmericanWest Bank 

SPOKANE, WA 

1,366,797 22441 Far West Bank 

PROVO, UT 

419,610 16 21987 01/09/2007 12/18/2006 20063306 

Sterling Savings Bank 

SPOKANE, WA 

8,624,536 32158 Sonoma National Bank 1,365,294 

SANTA ROSA, CA 

13 25911 01/25/2007 01/12/2007 20063487 

Columbia State Bank 

TACOMA, WA 

2,439,089 33826 Town Center Bank 134,497 

PORTLAND, OR 

5 34469 06/26/2007 06/21/2007 20071449 

Columbia State Bank 

TACOMA, WA 

2,439,089 33826 Mt. Rainier National Bank 

ENUMCLAW, WA 

235,751 7 32996 07/02/2007 06/21/2007 20071511 

Banner Bank 

WALLA WALLA, WA 

3,488,551 28489 F&M Bank 

SPOKANE VALLEY, WA 

415,002 13 13375 03/28/2007 03/21/2007 20070426 

Banner Bank 

WALLA WALLA, WA 

4,089,837 28489 NCW Community Bank 

WENATCHEE, WA 

100,582 2 35336 09/19/2007 08/29/2007 20072161 

Royal Bank 

ELROY, WI 

155,310 13454 Acuity Bank 

TOMAH, WI 

44,873 4 30400 01/08/2007 12/21/2006 20063330 

Laona State Bank 

LAONA, WI 

107,562 11601 Timberwood Bank 

TOMAH, WI 

23,008 2 15158 05/03/2007 04/11/2007 20070690 

AnchorBank, fsb 

MADISON, WI 

4,541,857 29979 S & C Bank 406,544 

NEW RICHMOND, WI 

16 14800 12/10/2007 10/09/2007 20072488 

Marshfield Savings Bank 

MARSHFIELD, WI 

175,331 28530 Associated Bank, National Association 

GREEN BAY, WI 

33,030 2 5296 08/27/2007 07/10/2007 20071743 

Security Bank 

NEW AUBURN, WI 

44,056 10015 Farmers State Bank 

RIDGELAND, WI 

33,934 2 2484 01/29/2007 12/28/2006 20063401 

Timberwood Bank 

WABENO, WI 

101,341 15158 Acuity Bank 

TOMAH, WI 

70,594 2 30400 01/08/2007 12/21/2006 20063343 

Regular Mergers (Page 7 of 8, of 147 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

8
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

Application 

Number

Waukesha State Bank 

WAUKESHA, WI 

709,395 16160 Marine Bank 

WAUWATOSA, WI 

21,885 1 30187 04/11/2007 04/04/2007 20070665 

Waumandee State Bank 

WAUMANDEE, WI 

82,107 10384 Associated Bank, National Association 

GREEN BAY, WI 

40,655 5 5296 08/22/2007 08/09/2007 20071916 

Chippewa Valley Bank 

WINTER, WI 

165,725 12322 Associated Bank, National Association 

GREEN BAY, WI 

15,825 2 5296 07/02/2007 06/05/2007 20071359 

Woodford State Bank 

WOODFORD, WI 

149,946 10011 The Park Bank 

MADISON, WI 

24,000 1 19608 09/04/2007 08/29/2007 20072180 

Union Bank, Inc. 

MIDDLEBOURNE, WV 

127,460 16620 The First National Bank of St. Marys 

ST. MARYS, WV 

36,028 1 6798 08/30/2007 08/29/2007 20072190 

Wyoming State Bank 

LARAMIE, WY 

21,257 58395 Western Bank of Cheyenne 

CHEYENNE, WY 

80,479 2 25154 10/05/2007 09/14/2007 20072193 

Regular Mergers (Page 8 of 8, of 147 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

9
Corporate Reorganization Mergers

Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

 See Note 1

Application 

Number

Regions Bank 

BIRMINGHAM, AL 

132,667,431 12368 RF Trust Company, Inc. 

BIRMINGHAM, AL 

1,000 1 0 11/09/2007 20072798 

Bank Trust 

MOBILE, AL 

998,607 26607 BancTrust Company, Inc. 2,232 

MOBILE, AL 

2 0 11/21/2007 20072804 

Bank Trust 

MOBILE, AL 

1,029,028 26607 The Peoples Bank & Trust Company 

SELMA, AL 

928,342 26 860 11/29/2007 20072900 

BankTrust 

MOBILE, AL 

760,092 26607 BankTrust of Alabama 

EUFAULA, AL 

259,308 5 9613 04/20/2007 20070675 

Farmers Bank & Trust Company 

MAGNOLIA, AR 

491,604 1291 Southern State Bank 

MALVERN, AR 

79,919 3 33456 11/01/2007 20072629 

Diamond State Bank 

MURFREESBORO, AR 

228,922 1527 Arkansas Diamond Bank 

GLENWOOD, AR 

127,026 5 13304 01/26/2007 20063548 

First Security Bank 

SEARCY, AR 

1,520,503 5633 First Security Bank of Mountain Home 

MOUNTAIN HOME, AR 

302,269 7 5622 10/23/2007 20072509 

Mesa Bank 

MESA, AZ 

162,712 34911 East Valley Community Bank 

CHANDLER, AZ 

40,379 1 35188 01/05/2007 20063331 

First California Bank 

CAMARILLO, CA 

565,186 22819 Mercantile National Bank 

LOS ANGELES, CA 

287,139 2 23757 06/05/2007 20071090 

First California Bank 

CAMARILLO, CA 

565,186 22819 South Bay Bank, National Association 

TORRANCE, CA 

251,121 2 23786 06/05/2007 20071265 

Rabobank, National Association 

EL CENTRO, CA 

7,891,124 23364 Mid-Coast Land Company 

ROSEVILLE, CA 

 0 0 0 12/21/2007 20080039 

Rabobank, National Association 

EL CENTRO, CA 

7,891,124 23364 MSB Properties, Inc. 

ROSEVILLE, CA 

 0 0 0 12/21/2007 20080040 

Pine River Valley Bank 

BAYFIELD, CO 

117,892 22497 First National Bank of Lake City & 

Creede 

LAKE CITY, CO 

37,173 2 24575 01/23/2007 20063506 

FirstBank of Northern Colorado 

FORT COLLINS, CO 

210,583 33799 FirstBank of Greeley 

GREELEY, CO 

44,191 2 34307 06/28/2007 20071404 

CNLBank, Southwest Florida 

BONITA SPRINGS, FL 

0 58557 CNLBank 34,294 

ORLANDO, FL 

2 34427 03/02/2007 20063251 

The Bank of Inverness 

INVERNESS, FL 

223,837 5676 The Hernando County Bank 

BROOKSVILLE, FL 

53,990 2 27135 12/31/2007 20073099 

 Crystal River Bank 

CRYSTAL RIVER, FL 

54,485 2 17295 

 Homosassa Springs Bank 

HOMOSASSA, FL 

62,049 1 20317 

The Bank of Inverness 

INVERNESS, FL 

223,837 5676 Dunnellon State Bank 62,446 

DUNNELLON, FL 

1 16458 12/31/2007 20073115 

Florida Choice Bank 

MOUNT DORA, FL 

536,358 34954 Public Bank 

SAINT CLOUD, FL 

424,008 8 23410 05/14/2007 20070793 

Corporate Reorganization Mergers (Page 1 of 7, of 132 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

10
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

See Note 1

Application 

Number

Vision Bank 

PANAMA CITY, FL 

331,084 5668 Vision Bank 

GULF SHORES, AL 

480,832 7 35374 06/18/2007 20071365 

Florida Shores Bank - Southwest 

VENICE, FL 

0 Florida Shores Bank - Southeast 

POMPANO BEACH, FL 

6,500 1 58331 08/09/2007 20072801 

Bank of North Georgia 

ALPHARETTA, GA 

4,118,348 31203 First Nation Bank 

COVINGTON, GA 

494,351 8 18869 07/30/2007 20071708 

Bank of North Georgia 

ALPHARETTA, GA 

4,118,348 31203 Peachtree National Bank 

PEACHTREE CITY, GA 

250,183 7 26805 07/30/2007 20071709 

Invesco National Trust Company 

ATLANTA, GA 

23,610 91325 Invesco Interim National Association 

ATLANTA, GA 

 0 0 0 11/29/2007 20072725 

 Atlantic Trust Company, National 

Association 

CHICAGO, IL 

144,353 12 58118 

The Buckhead Community Bank 

ATLANTA, GA 

566,823 34663 First National Bank of Forsyth County 

CUMMING, GA 

202,840 2 57680 06/22/2007 20071288 

United Community Bank 

BLAIRSVILLE, GA 

5,982,196 16889 First Bank of the South 674,916 

LAWRENCEVILLE, GA 

5 35390 04/09/2007 20071263 

The Heritage Bank 

HINESVILLE, GA 

392,820 193 Peoples Bank 

BLACKSHEAR, GA 

200,204 3 16498 08/13/2007 20071805 

Atlantic Southern Bank 

MACON, GA 

545,944 57213 First Community Bank of Georgia 

ROBERTA, GA 

72,353 3 34580 01/18/2007 20063470 

Fidelity Bank & Trust 

DYERSVILLE, IA 

118,057 14382 Valley State Bank 

GUTTENBERG, IA 

33,994 1 34224 01/16/2007 20063403 

The State Bank of Annawan 

ANNAWAN, IL 

36,219 10880 First Mid-America Bancorp, Inc. 

ANNAWAN, IL 

4 0 0 07/02/2007 20071562 

The Bank of Herrin 

HERRIN, IL 

143,736 15486 Carterville State and Savings Bank 

CARTERVILLE, IL 

46,894 2 11310 01/15/2007 20063369 

Prairie State Bank and Trust 

MOUNT ZION, IL 

226,989 27362 The Bank 

CHARLESTON, IL 

120,673 4 21164 10/15/2007 20072434 

 The Farmers and Merchants State Bank of 

Virden, Illinois 

VIRDEN, IL 

81,917 4 12705 

BankOrion 

ORION, IL 

244,639 11739 The State Bank of Annawan 

ANNAWAN, IL 

38,994 1 10880 08/17/2007 20071959 

Busey Bank 

URBANA, IL 

2,039,781 16450 Main Street Bank & Trust 

CHAMPAIGN, IL 

1,520,513 21 10842 10/05/2007 20072348 

Petefish, Skiles & Co. 

VIRGINIA, IL 

102,696 10829 Peoples State Bank of Chandlerville 

CHANDLERVILLE, IL 

41,876 2 21152 02/22/2007 20070152 

First Bank of Berne 

BERNE, IN 

382,892 9288 First Berne Holdings, Inc. 

LAS VEGAS, NV 

 0 0 0 01/30/2007 20070042 

Alliance Bank 

FRANCESVILLE, IN 

227,789 197 PSB Francesville Investments, Inc. 

LAS VEGAS, NV 

 0 0 0 12/21/2007 20073180 

Corporate Reorganization Mergers (Page 2 of 7, of 132 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

11
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

See Note 1

Application 

Number

MainSource Bank 

GREENSBURG, IN 

1,521,025 5766 MainSource Bank - Hobart 

HOBART, IN 

231,052 6 29026 04/19/2007 20070627 

MainSource Bank 

GREENSBURG, IN 

1,504,211 5766 MainSource Bank - Crawfordsville 

CRAWFORDSVILLE, IN 

273,687 6 30205 07/23/2007 20071663 

The La Porte Savings Bank 

LA PORTE, IN 

252,016 9538 LaPorte Interim Bank II 0 

LA PORTE, IN 

0 0 08/15/2007 20071688 

The La Porte Savings Bank 

LA PORTE, IN 

252,016 9538 City Savings Bank 

MICHIGAN CITY, IN 

130,480 3 27849 08/15/2007 20072181 

West End Bank, S.B. 

RICHMOND, IN 

162,102 28807 West End Interim Bank II 0 

RICHMOND, IN 

0 0 04/12/2007 20070444 

Centier Bank 

WHITING, IN 

1,660,337 12854 Centier Investments, Nevada 0 

HENDERSON, NV 

0 0 05/29/2007 20070999 

Scandia State Bank of Scandia, Kansas 

SCANDIA, KS 

23,379 17636 First National Bank in Belleville 

BELLEVILLE, KS 

86,263 3 4628 04/10/2007 20071782 

Citizens Union Bank of Shelbyville 

SHELBYVILLE, KY 

563,746 5840 Fort Knox National Bank 

RADCLIFF, KY 

36,726 1 18178 05/04/2007 20071775 

First Guaranty Bank 

HAMMOND, LA 

728,587 14028 Homestead Bank 131,800 

PONCHATOULA, LA 

2 29531 07/11/2007 20071418 

Danversbank 

DANVERS, MA 

1,261,496 90185 Danvers Bancorp, Inc. 

DANVERS, MA 

1,433 0 10/31/2007 20072633 

BankFive 

FALL RIVER, MA 

607,212 23286 Luzo Community Bank 

NEW BEDFORD, MA 

65,993 2 22893 05/24/2007 20070985 

Marlborough Interim Savings Bank (in 

formation) 

MARLBOROUGH, MA 

0 Marlborough Savings Bank 

MARLBOROUGH, MA 

280,258 4 90235 02/21/2007 20062591 

Spencer Interim Subsidiary Bank 

SPENCER, MA 

0 Spencer Savings Bank 

SPENCER, MA 

304,896 6 90282 04/12/2007 20063577 

Bristol County Savings Bank 

TAUNTON, MA 

1,121,127 23622 Anawon Trust, National Association 

ATTLEBORO, MA 

4,096 0 33133 07/03/2007 20071573 

Bay State Interim Subsidiary Bank 

WORCESTER, MA 

0 Bay State Savings Bank 

WORCESTER, MA 

295,270 7 90311 04/02/2007 20063417 

Bangor Savings Bank (in formation) 

BANGOR, ME 

0 Bangor Savings Bank 

BANGOR, ME 

1,944,830 44 18408 04/03/2007 20063611 

Community State Bank of St. Charles 

SAINT CHARLES, MI 

131,856 15868 The Montrose State Bank 

MONTROSE, MI 

60,880 4 12436 11/09/2007 20072814 

Rural American Bank - Braham 

BRAHAM, MN 

40,422 5099 The First National Bank of Pine City 

PINE CITY, MN 

55,301 1 5226 09/10/2007 20072108 

Citizens State Bank of Clara City 

CLARA CITY, MN 

271,333 1402 Yellow Medicine County Bank 

GRANITE FALLS, MN 

85,173 3 8854 03/19/2007 20070266 

American Alliance Bank 

LAKE CITY, MN 

166,065 10973 Alliance Bank 

NEW ULM, MN 

430,740 10 1932 02/20/2007 20063520 

Corporate Reorganization Mergers (Page 3 of 7, of 132 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

12
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

See Note 1

Application 

Number

Minnwest Bank Metro 

ROCHESTER, MN 

49,451 17898 Minnwest Capital Corporation 

MINNETONKA, MN 

 0 0 07/16/2007 20071088 

 Minnwest Bank Central 113,191 3 1398 07/16/2007 

MONTEVIDEO, MN 

Community Bank, Amory 

AMORY, MS 

168,130 11438 Community Bank, National Association 

MEMPHIS, TN 

296,318 6 34688 03/12/2007 20070317 

Community Bank, Coast 

BILOXI, MS 

322,042 34121 First National Bank of Lucedale 71,204 

LUCEDALE, MS 

2 20329 09/10/2007 20072158 

BancorpSouth Bank 

TUPELO, MS 

12,106,740 11813 The Signature Bank 

SPRINGFIELD, MO 

955,703 7 34505 06/14/2007 20071209 

Renasant Bank 

TUPELO, MS 

2,606,425 12437 Capital Bank & Trust Company 

NASHVILLE, TN 

564,071 7 33902 05/23/2007 20071012 

Crescent State Bank 

CARY, NC 

540,143 35006 Port City Capital Bank 

WILMINGTON, NC 

210,763 1 57350 05/08/2007 20070645 

The East Carolina Bank 

ENGELHARD, NC 

598,826 2017 ECB Realty, Inc 

ENGELHARD, NC 

2,301 0 0 01/24/2007 20063481 

Lexington State Bank 

LEXINGTON, NC 

1,018,090 16799 FNB Southeast 984,770 

REIDSVILLE, NC 

15 4906 10/22/2007 20072045 

Bank of the Carolinas 

MOCKSVILLE, NC 

472,843 34903 Randolph Bank & Trust Company 

ASHEBORO, NC 

281,289 7 22746 10/15/2007 20073313 

Cooperative Bank 

WILMINGTON, NC 

864,752 27837 Bank of Jefferson 14,430 

JEFFERSON, SC 

1 16469 07/31/2007 20071723 

Branch Banking and Trust Company 

WINSTON SALEM, NC 

117,134,085 9846 Coastal Federal Bank 1,663,025 

MYRTLE BEACH, SC 

19 30683 05/01/2007 20070599 

First Bank & Trust Company 

COZAD, NE 

150,245 5394 First State Bank 

IMPERIAL, NE 

31,272 1 8603 06/08/2007 20070895 

Pinnacle Bank 

LINCOLN, NE 

1,840,374 10634 First National Bank 

ABILENE, KS 

97,933 4 4609 02/07/2007 20063625 

Pinnacle Bank 

LINCOLN, NE 

2,003,202 10634 Farmers and Merchants Bank 

IMPERIAL, NE 

51,394 1 12492 06/29/2007 20071446 

Farmers and Merchants Bank 

MILFORD, NE 

191,902 16810 Kearney State Bank and Trust Company 

KEARNEY, NE 

134,174 1 22191 12/19/2007 20073025 

Otoe County Bank & Trust Company 

NEBRASKA CITY, NE 

77,083 33450 Citizens State Bank 

OAKLAND, IA 

81,634 1 5810 04/05/2007 20070643 

Merrimack County Savings Bank 

CONCORD, NH 

424,873 17960 Bow Mills Bank and Trust 

BOW, NH 

124,719 3 27437 03/26/2007 20070731 

Ocean Bank 

PORTSMOUTH, NH 

1,596,494 4264 Community Bank and Trust Company 415,324 

WOLFEBORO, NH 

8 33011 09/28/2007 20072396 

Skylands Community Bank 

HACKETTSTOWN, NJ 

608,768 33141 Somerset Valley Bank 

SOMERVILLE, NJ 

575,347 13 33540 03/28/2007 20070446 

Corporate Reorganization Mergers (Page 4 of 7, of 132 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

13
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

See Note 1

Application 

Number

Citibank, National Association 

LAS VEGAS, NV 

1,233,325,00

0 

7213 Banco de Chile 

NEW YORK, NY 

921,000 2 0 12/17/2007 20073309 

Charles Schwab Bank, National 

Association 

RENO, NV 

11,522,817 57450 The Charles Schwab Trust Company 

SAN FRANCISCO, CA 

35,256 0 0 12/12/2007 20072277 

First Independent Bank of Nevada 

RENO, NV 

530,705 35202 Bank of Nevada 

LAS VEGAS, NV 

57,794 0 33897 06/07/2007 20071163 

Citizens Bank, N.A. 

ALBANY, NY 

17,208,149 57957 CCO Mortgage Corp 

GLEN ALLEN, VA 

1,021,000 0 0 07/23/2007 20072029 

State Bank of Chittenango 

CHITTENANGO, NY 

19,282 12940 The National Bank of Vernon 

VERNON, NY 

7,588 0 7334 03/08/2007 20063357 

United States Trust Company , National 

Association 

NEW YORK, NY 

10,451 34061 Co-op Holdings, Inc. 

LAS VEGAS, NV 

0 0 0 05/25/2007 20071063 

United States Trust Company , National 

Association 

NEW YORK, NY 

10,451 34061 UST Mortgage Company 

JACKSONVILLE, FL 

0 0 0 05/25/2007 20071064 

U.S. Bank National Association 

CINCINNATI, OH 

215,893,215 6548 U.S. Bancorp Licensing, Inc. 0 

MINNEAPOLIS, MN 

0 0 02/12/2007 20063610 

U.S. Bank National Association 

CINCINNATI, OH 

225,976,029 6548 USB Capital Funding Corp. 

LAS VEGAS, NV 

382,260 0 0 12/19/2007 20073059 

Keybank National Association 

CLEVELAND, OH 

89,930,240 17534 Tuition Management Systems, Inc. 

WARWICK, RI 

100,139 0 0 12/06/2007 20072897 

JPMorgan Chase Bank, National 

Association 

COLUMBUS, OH 

1,224,104,00

0 

628 Liberty Payment Services, Inc. 22,832 

LOUISVILLE, KY 

0 0 08/07/2007 20071836 

The State Bank and Trust Company 

DEFIANCE, OH 

452,509 13339 Reliance Financial Services, National 

Association 

DEFIANCE, OH 

 0 0 34544 02/23/2007 20070174 

The Citizens Savings Bank 

MARTINS FERRY, OH 

302,719 9463 The Glouster Community Bank 110,813 

LANCASTER, OH 

5 16317 04/18/2007 20070639 

ONB Bank and Trust Company 

TULSA, OK 

491,759 35348 Community Bank & Trust Company 

TULSA, OK 

152,051 2 17076 08/02/2007 20071786 

ONB Bank and Trust Company 

TULSA, OK 

621,094 35348 Pinnacle Mortgage Corporation 

TULSA, OK 

0 0 0 12/04/2007 20073000 

National Penn Bank 

BOYERTOWN, PA 

5,592,007 7414 Penn 1st Financial Services, Inc. 

EXTON, PA 

3,649 0 0 12/12/2007 20072934 

National Penn Bank 

BOYERTOWN, PA 

5,736,333 7414 Penn Securities, Inc. 

WYOMISSING, PA 

56 0 0 12/26/2007 20072968 

Fulton Bank 

LANCASTER, PA 

5,707,068 7551 Lebanon Valley Farmers Bank 

LEBANON, PA 

786,403 12 6054 05/02/2007 20070818 

Fulton Bank 

LANCASTER, PA 

5,750,069 7551 Resource Bank 

VIRGINIA BEACH, VA 

1,440,456 7 27322 12/11/2007 20072903 

Banco Santander Puerto Rico 

SAN JUAN, PR 

8,282,369 20828 Santander Mortgage Corporation 

SAN JUAN, PR 

160,447 0 0 12/06/2007 20072901 

Corporate Reorganization Mergers (Page 5 of 7, of 132 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

14
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

See Note 1

Application 

Number

Carolina First Bank 

GREENVILLE, SC 

8,668,429 26849 Mercantile Bank 

ORLANDO, FL 

5,639,055 65 27515 06/15/2007 20071307 

Wells Fargo Bank, National Association 

SIOUX FALLS, SD 

400,743,000 3511 Commerce Funding Corporation 

VIENNA, VA 

63,800 0 0 03/09/2007 20070182 

First Tennessee Bank, National 

Association 

MEMPHIS, TN 

37,608,492 4977 First Horizon Home Loan Corporation 

IRVING, TX 

 0 0 0 03/19/2007 20070368 

 FHMSH, Inc. 

IRVING, TX 

 0 0 0 

 FT Mortgage Holding Corporation 

IRVING, TX 

 0 0 0 

First Tennessee Bank, National 

Association 

MEMPHIS, TN 

37,158,188 4977 First Tennessee Mortgage Services, Inc. 

IRVING, TX 

 0 0 0 12/12/2007 20073017 

Farmer's and Merchants Bank 

TREZEVANT, TN 

134,074 8439 Citizens City & County Bank 

TRENTON, TN 

30,050 1 34399 07/11/2007 20071898 

TrustTexas Interim Bank 

CUERO, TX 

0 TrustTexas Bank, SSB 154,474 

CUERO, TX 

4 28515 11/20/2007 20070803 

Mineola Community Bank, S.S.B. 

MINEOLA, TX 

134,600 28868 Mineola Interim Bank SSB 

MINEOLA, TX 

 0 0 0 11/20/2007 20072146 

The First State Bank 

RICE, TX 

11,061 9973 Rice Acquisition Corporation 1 

ENNIS, TX 

0 0 06/29/2007 20071364 

Extraco Banks, National Association 

TEMPLE, TX 

1,045,614 5551 Extraco Mortgage Corp. 

WACO, TX 

0 0 0 12/03/2007 20072914 

Proficio Bank 

SALT LAKE CITY, UT 

37,300 35495 Proficio Mortgage Ventures, LLC 719 

JACKSONVILLE, FL 

0 0 03/16/2007 20070382 

Peoples State Bank of Bloomer 

BLOOMER, WI 

104,128 1135 Bloomer Investments, Inc. 0 

BLOOMER, WI 

0 0 10/25/2007 20072456 

Charter Bank Eau Claire 

EAU CLAIRE, WI 

457,046 23137 Clairemont Investment Corporation 

EAU CLAIRE, WI 

 0 0 0 09/21/2007 20072162 

American Bank 

FOND DU LAC, WI 

206,917 19838 Main Street Financial Services 

Corporation 

FOND DU LAC, WI 

0 0 0 08/28/2007 20071909 

American Bank 

FOND DU LAC, WI 

203,755 19838 AMB Corp 

FOND DU LAC, WI 

0 0 0 08/17/2007 20072100 

BLC Community Bank 

LITTLE CHUTE, WI 

181,637 11608 Little Chute Investment Corporation 

LAS VEGAS, NV 

0 0 0 07/18/2007 20071596 

First Bank and Trust 

MENOMONIE, WI 

122,805 15911 Menomonie Investments, Inc. 

MENOMONIE, WI 

0 0 0 10/05/2007 20072342 

Lincoln State Bank 

MILWAUKEE, WI 

488,972 13028 Franklin State Bank 

FRANKLIN, WI 

93,008 3 24120 03/23/2007 20070390 

Lincoln State Bank 

MILWAUKEE, WI 

488,138 13028 Fortress Bank Minnesota 

HOUSTON, MN 

22,044 0 12188 05/09/2007 20070702 

Corporate Reorganization Mergers (Page 6 of 7, of 132 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

15
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

See Note 1

Application 

Number

Lincoln State Bank 

MILWAUKEE, WI 

602,655 13028 Grafton State Bank 

GRAFTON, WI 

179,592 5 6184 11/06/2007 20072341 

 0 Community Bank Financial 101,025 

OCONTO FALLS, WI 

5 32724 

 0 Wisconsin State Bank 101,118 

RANDOM LAKE, WI 

3 15131 

 0 The Reedsburg Bank 

REEDSBURG, WI 

214,383 3 12799 

 0 Fortress Bank 

WESTBY, WI 

178,120 7 9521 

RiverBank 

OSCEOLA, WI 

320,200 15275 Osceola Investment Corporation 

OSCEOLA, WI 

0 0 0 02/08/2007 20070051 

Peoples State Bank 

PRAIRIE DU CHIEN, WI 

316,323 12814 Blackhawk Holding, Limited 

PRAIRIE DU CHIEN, WI 

0 0 0 10/04/2007 20072454 

Timberwood Bank 

TOMAH, WI 

152,099 15158 Timberwood Investments, Inc. 

LAS VEGAS, NV 

0 0 0 12/05/2007 20072946 

Tomahawk Community Bank S.S.B. 

TOMAHAWK, WI 

77,576 30516 Tomahawk Interim Bank 

TOMAHAWK, WI 

5 0 0 02/16/2007 20062847 

Waukesha State Bank 

WAUKESHA, WI 

709,395 16160 Prairieville Investment Corporation 

LAS VEGAS, NV 

0 0 0 07/11/2007 20072601 

Summit Community Bank, Inc 

MOOREFIELD, WV 

754,459 34102 Shenandoah Valley National Bank 

WINCHESTER, VA 

475,197 7 35107 03/08/2007 20070159 

Centra Bank, Inc. 

MORGANTOWN, WV 

638,780 35364 Centra Bank-Smithfield 

SMITHFIELD, PA 

234,605 4 17766 01/23/2007 20063573 

Corporate Reorganization Mergers (Page 7 of 7, of 132 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

Note 1: An October 13, 2006 amendment to the Bank Merger Act removed the requirement for the responsible 

agency to request a report of competitive factors from the Department of Justice when the merger transaction 

involved solely an insured depository institution and one or more of the affiliates of such depository institution. 

16
Interim Mergers

Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

Cert# Action 

Approved

DOJ 

Reply Date

See Note 2

Application 

Number

ServisFirst Bank 

BIRMINGHAM, AL 

818,428 57993 SFB Interim, Inc. 

BIRMINGHAM, AL 

 0 0 11/14/2007 20072550 

EverTrust Bank 

CITY OF INDUSTRY, CA 

323,867 34010 IBT Acquisition Corporation 

LOS ANGELES, CA 

 0 0 03/12/2007 20062204 

Bank of Marin 

CORTE MADERA, CA 

876,587 32779 Bank of Marin Merger Corp. 

CORTE MADERA, CA 

 0 0 04/23/2007 20070809 

Redwood Capital Bank 

EUREKA, CA 

103,241 57610 RCB Merger Company 

EUREKA, CA 

 0 0 02/20/2007 20070180 

Pacific City Bank 

LOS ANGELES, CA 

388,567 57463 Pacific City Merger Corp. 

LOS ANGELES, CA 

100 0 05/18/2007 20071015 

SoCal Interim Bank 

PASADENA, CA 

0 Professional Business Bank 197,275 

PASADENA, CA 

57148 06/18/2007 20071264 

Security Business Bank of San Diego 

SAN DIEGO, CA 

165,505 57357 SBB Merger Company 

SAN DIEGO, CA 

 0 0 11/19/2007 20072662 

Founders Community Bank 

SAN LUIS OBISPO, CA 

73,726,000 57924 Founders Merger Corp. 

SAN LUIS OBISPO, CA 

100 0 06/11/2007 20071034 

Western Commercial Bank 

WOODLAND HILLS, CA 

53,132 58087 WCB Merger Company 100 

WOODLAND HILLS, CA 

0 08/24/2007 20071737 

Penn Christiana Interim Bank 

GREENVILLE, DE 

0 Christiana Bank & Trust Company 

GREENVILLE, DE 

184,958 33875 10/29/2007 20072503 

County Bank 

REHOBOTH BEACH, DE 

332,831 33009 First Option Merger Company 

REHOBOTH BEACH, DE 

 0 0 09/11/2007 20072164 

PB Interim Bank 

ORLANDO, FL 

0 Prime Bank 

MELBOURNE, FL 

48,926 57832 11/09/2007 20072081 

BOT Interim Bank 

TALLAHASSEE, FL 

0 The Bank of Tallahassee 

TALLAHASSEE, FL 

80,618 57211 03/08/2007 20070301 

The Bank of Venice 

VENICE, FL 

67,941 57386 TBV Interim Bank 

VENICE, FL 

0 0 03/16/2007 20070261 

Signature Bank of Georgia 

DUNWOODY, GA 

71,673 58103 Signature Interim Corporation 0 

SANDY SPRINGS, GA 

0 01/24/2007 20063295 

KB Interim Bank 

WICHITA, KS 

250 Bank of Kansas 

SOUTH HUTCHINSON, KS 

0 17378 06/20/2007 20071493 

Citizens Progressive Bank 

COLUMBIA, LA 

40,721 10531 Citizens Interim Bank 1 

COLUMBIA, LA 

0 11/29/2007 20072974 

Your Bank 

PONCHATOULA, LA 

51,174 57812 FHSB Interim Savings Bank 

NEW ORLEANS, LA 

0 0 10/15/2007 20072445 

Capital Crossing Bank 

BOSTON, MA 

1,070,645 27184 Bantam Acquisition Bank, FSB 

BOSTON, MA 

0 0 01/02/2007 20063180 

BankFive Merger Subsidiary Bank 

FALL RIVER, MA 

0 Luzo Community Bank 

NEW BEDFORD, MA 

65,993 22893 05/24/2007 20070984 

Interim Mergers (Page 1 of 3, of 42 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

17
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

Cert# Action 

Approved

DOJ 

Reply Date

See Note 2

Application 

Number

Sidney State Bank 

SIDNEY, MI 

47,661 17232 SSB Interim Bank 

SIDNEY, MI 

0 0 08/27/2007 20072122 

United Bank of Chamois 

CHAMOIS, MO 

23,706 15282 Chamois Interim Bank 50 

CHAMOIS, MO 

0 07/23/2007 20071612 

Russellville Interim Bank 

RUSSELLVILLE, MO 

50 Community Bank of Russellville 

RUSSELLVILLE, MO 

50,957 14604 12/11/2007 20073033 

Merrimack Bow Mills Interim Bank 

CONCORD, NH 

0 Bow Mills Bank and Trust 

BOW, NH 

124,719 27437 03/26/2007 20070497 

Ocean Bank Interim Trust Company 

PORTSMOUTH, NH 

0 Community Bank and Trust Company 415,324 

WOLFEBORO, NH 

33011 09/28/2007 20072388 

SussexBank 

FRANKLIN, NJ 

155 22221 Sussex Interim Bank 

FRANKLIN, NJ 

343,798 0 03/01/2007 20063617 

EB Interim Bank 

DUBLIN, OH 

0 Emerald Bank 

DUBLIN, OH 

41,715 57550 03/21/2007 20070058 

Elderton State Bank 

ELDERTON, PA 

150,140 12985 Elderton Interim Bank 

ELDERTON, PA 

78 0 09/24/2007 20072315 

Abington Savings Bank 

JENKINTOWN, PA 

951,174 27942 Abington Interim Savings Bank 

JENKINTOWN, PA 

0 0 06/07/2007 20070804 

Abington Savings Bank 

JENKINTOWN, PA 

951,174 27942 Abington MHC Interim Savings Bank 

JENKINTOWN, PA 

0 0 06/07/2007 20070806 

Abington Savings Bank 

JENKINTOWN, PA 

951,174 27942 Abington Community Bancorp Interim 

Savings Bank 

JENKINTOWN, PA 

0 0 06/07/2007 20070807 

First Priority Bank 

MALVERN, PA 

98,143 58092 First Priority Interim Bank 

MALVERN, PA 

0 0 05/02/2007 20070567 

North Penn Bank 

SCRANTON, PA 

119,805 31188 North Penn Interim Federal Savings Bank 

I 

SCRANTON, PA 

0 0 08/06/2007 20071666 

North Penn Bank 

SCRANTON, PA 

119,805 31188 North Penn Interim Federal Savings Bank 

II 

SCRANTON, PA 

0 0 08/06/2007 20071667 

North Penn Bank 

SCRANTON, PA 

119,805 31188 North Penn Interim Federal Savings Bank 

III 

SCRANTON, PA 

0 0 08/06/2007 20071668 

PB Merger Corporation 

COLLEYVILLE, TX 

1 Peoples Bank 

COLLEYVILLE, TX 

69,090 57362 12/14/2007 20072524 

Citizens State Bank 

MILES, TX 

47,592 15519 New Citizens, Inc. 

MILES, TX 

0 0 12/18/2007 20072920 

The Bank 

WEATHERFORD, TX 

70,272 Columbian Interim Bank 

WEATHERFORD, TX 

5 26967 02/28/2007 20070016 

Fidelity Bank 

WICHITA FALLS, TX 

164,359 57621 FB Merger Corporation 

WICHITA FALLS, TX 

1 11/29/2007 20072795 

First Savings Bank of Renton 

RENTON, WA 

1,014,969 Interim One Federal Savings Bank 

RENTON, WA 

0 08/14/2007 20071653 

Interim Mergers (Page 2 of 3, of 42 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

0 

29058 0 

18
Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

Cert# Action 

Approved

DOJ 

Reply Date

See Note 2

Application 

Number

First Savings Bank of Renton 

RENTON, WA 

1,014,969 29058 Interim Two Federal Savings Bank 

RENTON, WA 

 0 0 08/14/2007 20071653 

 Renton Interim Three Saving Bank 

RENTON, WA 

 0 0 

Interim Mergers (Page 3 of 3, of 42 records) 

Data Date(s) 01/01/2007 to 12/31/2007 

Note 2: An interim merger is a merger (other than a purchase and assumption transaction) between an operating 

institution and a newly-formed institution or corporation that will not open for business, which exists solely for the 

purpose of facilitating a corporate reorganization and that would have no effect on competition. Therefore, similar to 

the corporate reorganization-type mergers, the October 13, 2006 amendment to the Bank Merger Act removed the 

requirement for the responsible agency to request a report of competitive factors from the Department of Justice when 

the merger transaction involved solely an insured depository institution and one or more of the affiliates of such 

depository institution.

19
 Failed or Closed Bank Mergers 

Applicant Institution Other/Target Institution 

Institution Name 

City, State 

Total Assets 

(000's) 

Cert # Institution Name 

City, State

Assets 

Acquired 

(000's)

 Offices 

Acquired

Cert# Action 

Approved

DOJ 

Reply Date

See Note 3

Application 

Number 

or 

PFR

Allegheny Valley Bank of 

Pittsburgh 

PITTSBURGH, PA 

365,000 6058 Metropolitan Savings 

PITTSBURGH, PA 

15,760 1 35353 2/2/2007 N/A 20080577 

Included in 

Regular 

Mergers 

ING Bank, fsb 

WILMINGTON, DE 

74,168,365 35489 NetBank 

ALPHARETTA, GA 

2,473,806 0 32575 6/30/2007 N/A OTS 

The Citizens Banking Company 

SANDUSKY, OH 

771,149 12982 Miami Valley Bank 

LAKEVIEW, OH 

86,673 2 16848 10/4/2007 N/A FED 

Note 3: The “Other/Target Institution” is the institution that failed during 2007. The respective “Applicant 

Institution” is the competitive bidding winners to purchase certain assets and assume the liabilities to pay certain 

deposits of the “Other/Target Institution.” The FDIC’s Board of Directors found that immediate action was necessary 

and waived the publication of notice and solicitation of reports on the competitive factors involved. 

If the “Applicant Institution” is a non FDIC-supervised financial institution, the Primary Federal Regulator processed 

that merger application, and that application is not included in the FDIC’s annual merger totals.

20