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

District: 9
Federal Reserve Bank of: Minneapolis

Filings received during the week ending February 9, 2008

Filer

Filing Type

Filing Proposal

End of Comment Period

FLATHEAD HOLDING COMPANY OF BIGFORK

CIC

Notice by Lawrence W. Jochim Revocable Trust, Lawrence W. Jochim as trustee and individually, Bigfork, Montana; Cindy Jochim and Richard Jochim, both of Bigfork, Montana; Todd Jochim, Lakeside, Montana; Lesley Jungers, Seeley Lake, Montana; Karla Langlois, Missoula, Montana; and Marcus Jochim and Beverly Jochim, both of Inverness, Montana, acting as a group in concert, to gain control of Flathead Holding Company of Bigfork, Montana, and thereby indirectly gain control of Flathead Bank of Bigfork, Bigfork, Montana. In addition, notice by Gib S. Nichols Living Trust and Sarah E. Nichols Living Trust, Gib Nichols and Sarah Nichols as trustees of each trust and individually, Vancouver, Washington; James Brendan Nichols, West Linn, Oregon; Shaun Nichols, Tuscon, Arizona; Norris D. Nichols, Helena, Montana, Karyl Arndt, Aurora, Colorado; and Roseanne Heser, Mahtomedi, Minnesota, acting as a group in concert, to gain control of Flathead Holding Company of Bigfork, Bigfork, Montana, and thereby indirectly gain control of Flathead Bank of Bigfork, Bigfork, Montana.

Newspaper:	Not available
Federal Register:	02/13/2008

MILLS FINANCIAL SERVICES INC.

* 3A1

Mills Financial Services, Inc., Brainerd, Minnesota, to become a bank holding company by acquiring 100 percent of First Security Bank - Sanborn, Sanborn, Minnesota.

Newspaper:	Not available
Federal Register:	03/04/2008

UNITED CITIZENS 401(K) SAVINGS PLAN

* 3A1

United Citizens 401(K) Savings Plan, Osseo, Wisconsin, to become a bank holding company by acquiring up to 56 percent of the Class A common stock of United Bancorporation, Osseo, Wisconsin, and thereby indirectly acquire United Bank, Osseo, Wisconsin; Cambridge State Bank, Cambridge, Wisconsin; Lincoln Community Bank, Merrill, Wisconsin; Bank of Poynette, Poynette, Wisconsin; Clark County State Bank, Osceola, Iowa; Farmers State Bank, Stickney, South Dakota; and Farmers & Merchants State Bank, Iroquois, South Dakota.

Newspaper:	02/09/2008
Federal Register:	02/01/2008

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

* Subject to the provisions of the Community Reinvestment Act

District: 9 Federal Reserve Bank of: Minneapolis

Filings received during the week ending February 9, 2008

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 9
Federal Reserve Bank of: Minneapolis