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 September 20, 2008

Filer

Filing Type

Filing Proposal

End of Comment Period

EMPIRE STATE BANK, NATIONAL ASSOCIATION

Member

Empire State Bank, N.A.,Newburgh, New York to become a member of the Federal Reserve System.

Newspaper:	Not applicable
Federal Register:	Not applicable

EUROBANCSHARES, INC.

4c8

EuroBancshares, Inc., San Juan, Puerto Rico to engage through its subsidiary, EUBK Securities, Inc.(in formation), San Juan, Puerto Rico, in securities brokerage and riskless-principal transactions, pursuant to Section 225.28(b)(7)(i)and (ii) of Regulation Y.

Newspaper:	Not applicable
Federal Register:	10/01/2008

ICICI BANK LIMITED

FBSEA

ICICI Bank Limited, Mumbai, India, to establish representative offices in San Francisco and Los Angeles, California; Atlanta, Georgia; Chicago, Illinois; Edison, New Jersey; Houston, Texas and Washington D.C., pursuant to Section 211.24(a)(2)(i)(B)(2) of Regulation K.

Newspaper:	Not available
Federal Register:	Not applicable

MANUFACTURERS AND TRADERS TRUST COMPANY

* Branch

Manufacturers and Traders Trust Company, Buffalo, New York, requests to establish branches located at (i) 1322 East Gude Drive, Rockville, Montgomery County, Maryland and (ii) 7920 Norfolk Avenue, Bethesda, Montgomery County, Maryland.

Newspaper:	09/27/2008
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
PEAPACK GLADSTONE BK, GLADSTONE, NEW JERSEY	236706	12/03/2007	09/04/2008	S	Large Bank

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 September 20, 2008

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 2
Federal Reserve Bank of: New York