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 20, 2007

Filer

Filing Type

Filing Proposal

End of Comment Period

M&T BANK CORPORATION

4c8

M&T Bank Corporation, Buffalo, New York, and its largest shareholder, Allied Irish Banks, p.l.c., Dublin, Ireland, provide twelve days prior notice to the Board of Governors of the Federal Reserve System ("the Board"), pursuant to Section 4(c)(8) of the Bank Holding Company Act of 1956, as amended, and Section 225.23 of the Board's Regulation Y, to acquire 20 percent of the voting interests of Bayview Lending Group, LLC, Coral Gables, Florida, ("BLG"). BLG engages in the business of originating small balance commercial mortgage and multi-family residential mortgage loans in the United States, Canada and the United Kingdom through several wholly-owned subsidiaries

Newspaper:	Not applicable
Federal Register:	Not applicable

MANUFACTURERS AND TRADERS TRUST COMPANY

* Branch

Manufacturers and Traders Trust Company, Buffalo, New York request to open and occupy a limited branch to be opened at Northway 10 Executive Park, 313 Ushers Road, Ballston Lake, Saratoga County, NY. ("Albany Mortgage Center").

Newspaper:	01/24/2007
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

District: 2 Federal Reserve Bank of: New York

Filings received during the week ending January 20, 2007

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 2
Federal Reserve Bank of: New York