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

District: 7
Federal Reserve Bank of: Chicago

Filings received during the week ending February 10, 2007

Filer

Filing Type

Filing Proposal

End of Comment Period

CITIZENS BANK

* 18C
* Branch

Citizens Bank, Flint, Michigan, to merge with Republic Bank, Lansing, Michigan, and thereby to establish branches.

Newspaper:	Not available
Federal Register:	Not applicable

GRANT COUNTY STATE BANCSHARES, INC, EMPLOYEES STOCK OWNERSHIP PLAN

* 3A3

Grant County State Bancshares, Inc. Employee Stock Ownership Plan, Swayzee, Indiana, to retain control of Grant County State Bancshares, Inc., Swayzee, Indiana, as a result of a stock redemption, and thereby indirectly retain control of Grant County State Bank, Swayzee, Indiana.

Newspaper:	03/02/2007
Federal Register:	02/05/2007

ISABELLA BANK AND TRUST

* 18C
* Branch

Isabella Bank and Trust, Mt. Pleasant, Michigan, to merge with FSB Bank, Breckenridge, Michigan, and thereby to establish 5 branches.

Newspaper:	Not available
Federal Register:	Not applicable

ORCHID FINANCIAL BANCORP, INC.

* 3A1
* 3A3

Orchid Financial Bancorp, Inc., South Elgin, Illinois, to acquire 55 percent of the voting shares of Ashland Financial Bancorp, Inc., Chicago, Illinois, and thereby indirectly acquire American Eagle Bank of Chicago (in organization), Chicago, Illinois, and by Ashland Financial Bancorp, Inc., Chicago, Illinois, to become a bank holding company by acquiring 100 percent of the voting shares of American Eagle Bank of Chicago (in organization), Chicago, Illinois.

Newspaper:	03/05/2007
Federal Register:	03/09/2007

PARTNERSHIP COMMUNITY BANCSHARES, INC.

* 3A1

Partnership Community Bancshares, Inc., Tomah, Wisconsin, to become a bank holding company by acquiring 91 percent of the voting shares of The Bancorp of Tomah, Inc., Tomah, Wisconsin, and thereby indirectly acquire First Bank, Tomah, Wisconsin.

Newspaper:	02/26/2007
Federal Register:	02/23/2007

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: 7 Federal Reserve Bank of: Chicago

Filings received during the week ending February 10, 2007

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 7
Federal Reserve Bank of: Chicago