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 January 31, 2009

Filer

Filing Type

Filing Proposal

End of Comment Period

BANK OF NOVA SCOTIA, THE

FBSEA

Bank of Nova Scotia, Toronto, Canada, to establish an agency in Miami, Florida, pursuant to Section 5(a)(3) of the International Banking Act and Section 211.24(a)(2)(i)(A) of Regulation K.

Newspaper:	Not available
Federal Register:	Not applicable

DEUTSCHE BANK AKTIENGESELLSCHAFT

* 3A3

Deutsche Bank AG, Frankfurt, Germany, Taunus Corporation and Deutsche Bank Trust Corporation, both of New York, New York, to acquire Deutsche Bank Trust Company, National Association, New York, New York as a full service national bank as part of an internal reorganization.

Newspaper:	02/23/2009
Federal Register:	02/27/2009

INVESTORS BANCORP, MHC

* 4c8

Investors Bancorp, MHC and Investors Bancorp, Inc., both of Short Hills, New Jersey to acquire American Bancorp of New Jersey, and its wholly-owned subsidiary, American Bank of New Jersey, both of Bloomfield, New Jersey , pursuant to Section 4(c)(8) of the BHC Act and Section 225.24 of Regulation Y.

Newspaper:	Not available
Federal Register:	02/27/2009

M&T BANK CORPORATION

* 3A5
* 18C
* 3A3

Allied Irish Banks, p.l.c., Dublin, Ireland, M&T Bank Corporation ("M&T"), and M&T's newly-formed subsidiary, First Empire State Holding Company ("First Empire"), both of Buffalo, New York, request prior approval of the Board of Governors of the Federal Reserve System (the "Board") to acquire Provident Bankshares Corporation ("Provident"), Baltimore, Maryland, and to merge Provident with and into First Empire and thereby to acquire Provident's wholly owned bank, Provident Bank of Maryland, ("Provident Bank"), Baltimore, Maryland pursuant to Sections 3(a)(3) and 3(a)(5) of the Bank Holding Company Act of 1956 , as amended (the "BHC Act") and Section 225.15 of the Board's Regulation Y. Additionally, M&T requests prior approval to merge Provident Bank, with and into its subsidiary bank, Manufacturers and Traders Trust Company ("M&T Bank"), Buffalo, New York pursuant to Section 18(c) of the Federal Deposit Insurance Act, and to retain the current branch locations of Provident Bank pursuant to Section 9 of the Federal Reserve Act.

Newspaper:	02/03/2009
Federal Register:	02/26/2009

MANUFACTURERS AND TRADERS TRUST COMPANY

* Branch

Manufacturers and Traders Trust Company, Buffalo, New York, to establish a branch to be located at 1452 Buck Road, Northampton Township, Bucks County, Pennsylvania. (Holland branch-RSSD 3882775)

Newspaper:	02/08/2009
Federal Register:	Not applicable

MAX BANCORP, LLC

* 3A1

Max Bancorp, LLC, New York, New York, to become a one-bank holding company by acquiring majority of the voting shares of Allegiance Community Bank, South Orange, New Jersey, pursuant to Section 3(a)(1) of BHC Act and Section 225.15 of Regulation Y.

Newspaper:	Not available
Federal Register:	02/23/2009

STANDARD CHARTERED BANK

FBSEA

Standard Chartered Bank, London, United Kingdom to establish a representative office in Houston, Texas.

Newspaper:	02/15/2009
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

* Subject to the provisions of the Community Reinvestment Act

District: 2 Federal Reserve Bank of: New York

Filings received during the week ending January 31, 2009

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 2
Federal Reserve Bank of: New York