Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 2
Federal Reserve Bank of: New York

Filings received during the week ending October 27, 2007

Filer

Filing Type

Filing Proposal

End of Comment Period

ALLIED IRISH BANKS, P.L.C.

4c8
* 18C
* Branch
* 3A3

Allied Irish Banks, p.l.c., Dublin, Ireland and M&T Bank Corporation, Buffalo, New York ("M&T"), for prior approvalof the Board of Governors of the Federal Reserve System (the "Board") to (i) acquire 100 percent of the outstanding shares of Partners Trust Financial Group, Utica, New York ("Partners Trust") and merge Partners Trust with and into M&T, and thereby to acquire Partners Trust's wholly-owned bank subsidiary, Partners Trust Municipal Bank, Utica, New York, and also thereby to acquire Partners Trust Bank, Utica, New York, and thereby operate a federal savings bank, and (ii) to acquire Partners Trust's wholly-owned direct and indirect non-banking subsidiaries, pursuant to Sections 3(a)(3), 4(c)(8) and 4(j) of the Bank Holding Company Act of 1956, as amended, and Sections 225.15 and 225.24 of Regulation Y. In addition, Manufacturers and Traders Trust Company, Buffalo, New York, ("M&T Bank") requests approval to merge with Partners Trust Bank and Partners Trust Municipal Bank, with M&T Bank as the surviving entity, pursuant to Section 18(c) of the Federal Deposit Insurance Act, and in connection therewith, to retain the branches at the current branch locations of Partners Trust Bank, pursuant to Section 9 of the Federal Reserve Act.

Newspaper:	10/24/2007
Federal Register:	10/29/2007

BANCO ESPIRITO SANTO DE INVESTIMENTO, S.A.

FBSEA

Banco Espirito Santo de Investimento, S.A., Lisbon, Portugal, to establish a branch in New York, New York, pursuant to Section 7(d) of the International Banking Act.

Newspaper:	Not available
Federal Register:	Not applicable

MANUFACTURERS AND TRADERS TRUST COMPANY

* 18C

Manufacturers and Traders Trust Company and M&T Bank Corporation, both of Buffalo, New York, to purchase assets and assume liabilities of twenty branches of First Tennessee Bank National Association, Memphis, Tennessee (which branches are operated under the trade name First Horizon Bank) and for M&T Bank to establish branches at 13 such locations.

Newspaper:	11/19/2007
Federal Register:	Not applicable

OVERSEA-CHINESE BANKING CORPORATION LIMITED

FBSEA

Oversea-Chinese Banking Corporation Limited, Singapore, request to convert its Los Angeles Agency to a branch, pursuant to Section 211.24(a)(1)(i)(A) of Regulation K.

Newspaper:	Not available
Federal Register:	Not applicable

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.

Institution / Location	RSSD ID	Exam Date	CRA Public Date	CRA Rating	Exam Method
NONE

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

District: 2 Federal Reserve Bank of: New York

Filings received during the week ending October 27, 2007

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 2
Federal Reserve Bank of: New York