Applications Bulletin

District 9
Federal Reserve Bank of Minneapolis

Instructions for commenting on applications

Applications and notifications filed during the week ending Saturday, May 26, 2007

Type	Application	Ending date of comment period
* 18C * Branch	1st Bank, Sidney, Montana, to purchase certain assets and assume certain liabilities of the Broadus, Montana, branch of Rocky Mountain Bank, Billings, Montana, and incident thereto proposes to establish a branch at 201 North Wilber, Broadus, Montana.	Newspaper – Not available Fed Reg – Not applicable
CIC	Notice by Archie Pecha, and Ardella Pecha, both of Arcadia, Florida, to gain control of Bloomer Bancshares, Inc., Bloomer, Wisconsin, and thereby indirectly gain control of Peoples State Bank of Bloomer, Bloomer, Wisconsin.	Newspaper – Not available Fed Reg – 05/17/2007
* 18C * Branch	First Bank of Baldwin, Baldwin, Wisconsin, to merge with Bank of Spring Valley, Spring Valley, Wisconsin, and thereto establish branches at 320 McKay Street, Spring Valley, Wisconsin, and 409 Main Street, Plum City, Wisconsin.	Newspaper – Not available Fed Reg – Not applicable
* 3A3	First National Bank of Sauk Centre Retirement Savings & Employee Stock Ownership Plan and Trust, Sauk Centre, Minnesota, and Sauk Centre Financial Services Inc., Sauk Centre, Minnesota, to acquire 100 percent of Lake Country State Bank, Long Prairie, Minnesota.	Newspaper – Not available Fed Reg – 06/18/2007
* 3A3	Mesaba Bancshares, Inc., Grand Rapids, Minnesota, to acquire 100 percent of Evergreen Bancshares, Inc., Two Harbors, Minnesota, and thereby indirectly acquire The Lake Bank, Two Harbors, Minnesota.	Newspaper – 06/05/2007 Fed Reg – 06/05/2007

*Subject to the provisions of the Community Reinvestment Act.

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.

RSSD number	Institution/Location	Exam date	CRA public date	CRA rating	Exam type
None

CRA examinations scheduled for Quarter of

Institution	Location
None