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

District: 10
Federal Reserve Bank of: Kansas City

Filings received during the week ending December 1, 2007

Filer

Filing Type

Filing Proposal

End of Comment Period

CITIZENS BANKSHARES, INC.

CIC

Notice filed by the 2007 Voting Trust Agreement, and its trustees, Albert Charles Kelly, Jr. and Peter John Kelly, both of Bristow, Oklahoma; Shawn Trevor Kelly, Edmond, Oklahoma; Paul Harrison Cornell, Tulsa, Oklahoma; and Allison Asbury Kelly, Okemah, Oklahoma, all to acquire control of Citizens Bankshares, Inc., Okemah, Oklahoma, parent of Citizens State Bank, Okemah, Oklahoma.

Newspaper:	12/13/2007
Federal Register:	11/21/2007

FIRST MISSOURI BANCSHARES, INC.

CIC

Notice by Jose L. Evans and Denise K. Evans, both of Kansas City, Missouri, (acting jointly) and David L. Johnson and Sandra L. Castetter, both of Kansas City, Missouri, (acting jointly), and together acting in concert, to acquire control of First Missouri Bancshares, Inc., parent of First Missouri National Bank, both in Brookfield, Missouri, through the acquisition of voting shares.

Newspaper:	Not available
Federal Register:	12/14/2007

HARKER INVESTMENTS, LLLP

4c8
* 3A1

Harker Investments, LLLP, Denver, Colorado, to become a bank holding company and to engage in selling credit life insurance through the acquisition of 100 percent of the voting shares of The Kit Carson Insurance Agency, Inc., parent of Kit Carson State Bank, both in Kit Carson, Colorado.

Newspaper:	12/26/2007
Federal Register:	12/17/2007

HEARTLAND BANCSHARES, INC.

* 3A1

Heartland Bancshares, Inc., Clinton, Missouri, to become a bank holding company through the acquisition of 100 percent of the voting shares of Marshall Community Bancshares, Inc., parent of Community Bank of Marshall, both in Marshall, Missouri.

Newspaper:	Not available
Federal Register:	Not available

JONES NATIONAL CORPORATION

CIC

Notice by Max T. Wake, Lincoln, Nebraska and Elizabeth B. Wake, San Francisco, California, to acquire control of Jones National Corporation, parent of The Jones National Bank & Trust Company of Seward, both in Seward, Nebraska, through the acquisition of voting shares.

Newspaper:	Not available
Federal Register:	12/14/2007

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: 10 Federal Reserve Bank of: Kansas City

Filings received during the week ending December 1, 2007

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 10
Federal Reserve Bank of: Kansas City