Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 44

Week Ending October 29, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions October 23, 2005 to October 29, 2005

Enforcement

AmericasBank Corp., Towson, Maryland, and AmericasBank -- written agreement 

dated August 3, 2001, terminated October 12, 2005.

- Announced, October 26, 2005 

Primebank, LeMars, Iowa -- issuance of a consent notice of suspension and 

prohibition against William R. Kahler, an institution-affiliated party.

- Announced, October 24, 2005 

Ridgedale State Bank, Minnetonka, Minnesota -- written agreement dated July 29, 

2004, terminated October 25, 2005.

- Announced, October 25, 2005 

(AC) = Addition or Correction Board - Page 1 of 1
October 23, 2005 to October 29, 2005

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

CommerceFirst Bank, Annapolis, Maryland -- to establish a branch at 910 

Cromwell Park Drive, Glen Burnie.

- Approved, October 27, 2005 

Richmond

Frontier Bank, Everett, Washington -- to establish a branch at 3670 Bridgeport Way 

West, University Place.

- Approved, October 24, 2005 

San Francisco

Pulaski Bank and Trust Company, Little Rock, Arkansas -- to establish a branch at 

7465 Poplar Avenue, Germantown, Tennessee.

- Approved, October 28, 2005 

St. Louis

Regions Bank, Birmingham, Alabama -- to establish a branch at 2131 Ayrsley Town 

Boulevard, Charlotte, North Carolina.

- Approved, October 25, 2005 

Atlanta

Town Bank, Delafield, Wisconsin -- to establish a branch at 12960 West 

Bluemound Road, Elm Grove.

- Approved, October 28, 2005 

Chicago

Bank Holding Companies

Abdo Investments, Inc., Edina, Minnesota -- to become a bank holding company 

and to acquire up to 24.24 percent of the shares of Rivers Ridge Holding Company, 

parent of Bank Vista, Sartell.

- Approved, October 24, 2005 

Minneapolis

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority October 23, 2005 to October 29, 2005

Bank Holding Companies

CCB Acquisition Corp, Oak Brook, Illinois -- to become a bank holding company 

and to acquire Citizens Central Bancorp, Inc., Macomb, and thereby acquire 

Citizens National Bank.

- Approved, October 27, 2005 

Chicago

Integrity First Bancorporation, Inc., Wausau, Wisconsin -- to become a bank holding 

company and to acquire Integrity First Bank, a de novo bank.

- Approved, October 27, 2005 

Chicago

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- request for an 

exemption under the Depository Institutions Management Interlocks Act and 

Regulation L.

- Granted, October 24, 2005 

General Counsel

Bank Premises

The Genoa Banking Company, Genoa, Ohio -- request to exceed the limit of 

investment in bank premises.

- Approved, October 26, 2005 

Cleveland

Pulaski Bank and Trust Company, Little Rock, Arkansas -- to make an additional 

investment in bank premises.

- Approved, October 28, 2005 

St. Louis

Banks, Foreign

Deutsche Genossenschafts-Hypothekenbank AG, Hamburg, Germany -- to establish 

a representative office in New York, New York.

- Approved, October 25, 2005 

Director, BS&R

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority October 23, 2005 to October 29, 2005

Change In Bank Control

FCB Bancshares, Inc., Cullman, Alabama -- change in bank control.

- Permitted, October 25, 2005 

Atlanta

Competitive Factors Reports

Affinity Bank of Pennsylvania, Wyomissing, Pennsylvania -- report on competitive 

factors of the proposed purchase of assets and assumption of liabilities of the 

Reading branch of Susquehanna Patriot Bank, Marlton, New Jersey.

- Submitted, October 28, 2005 

Philadelphia

Bank of North Georgia, Alpharetta, Georgia -- report on competitive factors of the 

proposed merger with Riverside Bank, Marietta.

- Submitted, October 25, 2005 

Atlanta

BCPBank, National Association, Newark, New Jersey -- reports on competitive 

factors of the proposed purchase of certain assets and assumption of certain 

liabilities of the New York branch of Banco Comercial Portugues S.A., Oporto, 

Portugal.

- Submitted, October 27, 2005 

New York

The Central Bank USA, Inc., Greensburg, Kentucky -- report on competitive factors 

of the proposed merger with Ascencia Bank, Inc., Louisville; Brownsville Deposit 

Bank, Brownsville; and Bullitt County Bank, Shepherdsville.

- Submitted, October 24, 2005 

St. Louis

Community Bank, Muscatine, Iowa -- report on competitive factors of the proposed 

merger with Wilton Savings Bank, Wilton.

- Submitted, October 24, 2005 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority October 23, 2005 to October 29, 2005

Competitive Factors Reports

Community Trust Bank, Choudrant, Louisiana -- report on competitive factors of 

the proposed merger with First United Bank, Farmerville.

- Submitted, October 24, 2005 

Dallas

First Citizens National Bank, Mansfield, Pennsylvania -- report on competitive 

factors of the proposed purchase of certain assets and assumption of certain 

liabilities of the Hannibal, New York, branch of Fulton Savings Bank, Fulton.

- Submitted, October 25, 2005 

Philadelphia

First United Bank and Trust Company, Durant, Oklahoma -- report on competitive 

factors of the proposed merger with Southwestern Bancshares, Inc., Oklahoma City, 

and Southwestern Bank.

- Submitted, October 25, 2005 

Kansas City

Hudson Valley Holding Corp., Yonkers, New York -- report on competitive factors 

of the proposed acquisition of New York National Bank, Bronx.

- Withdrawn, October 25, 2005 

New York

MidWestOne Bank & Trust, Oskaloosa, Iowa -- report on competitive factors of the 

proposed merger with MidWestOne Bank, Burlington; Central Valley Bank, 

Ottumwa; and Pella State Bank, Pella.

- Submitted, October 24, 2005 

Chicago

Milwaukee Western Bank, Milwaukee, Wisconsin -- report on competitive factors 

of the proposed merger with its investment subsidiary, MWB Investment 

Corporation.

- Submitted, October 24, 2005 

Chicago

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority October 23, 2005 to October 29, 2005

Competitive Factors Reports

Morton Community Bank, Morton, Illinois -- report on competitive factors of the 

proposed merger with Pekin Savings Bank, Pekin.

- Submitted, October 24, 2005 

Chicago

Pullman Bank and Trust Company, Chicago, Illinois -- report on competitive factors 

of the proposed conversion to a national bank, to be called Park National Bank; and 

the proposed merger with First Bank of Oak Park, Oak Park; Regency Savings 

Bank, FSB, Naperville; Cosmopolitan Bank and Trust, Chicago; and Park National 

Bank and Trust Company of Chicago.

- Submitted, October 24, 2005 

Chicago

West Alabama Bank & Trust, Reform, Alabama -- report on competitive factors of 

the proposed merger with Merchants & Farmers Bank, Millport.

- Submitted, October 27, 2005 

Atlanta

Extensions Of Time

Bank Independent, Sheffield, Alabama -- extension to October 20, 2006, to establish 

a branch at the intersection of Highway 72 and Lindsay Lane, Athens.

- Granted, October 25, 2005 

Atlanta

FirstFed Bancorp, Inc. Employee Stock Ownership Plan, Bessemer, Alabama -- 

extension to February 23, 2006, to become a bank holding company and to acquire 

32 percent of the shares of FirstFed Bancorp, Inc., and its subsidiary, First Financial 

Bank.

- Granted, October 26, 2005 

Atlanta

New York Community Bancorp, Inc., Westbury, New York -- commenter's request 

to extend the comment period on the application to acquire Long Island Financial 

Corp., Islandia.

- Denied, October 28, 2005 

Secretary

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority October 23, 2005 to October 29, 2005

Extensions Of Time

The Toronto-Dominion Bank, Toronto, Canada, and TD Banknorth, Inc., Portland, 

Maine -- commenter's request to extend the comment period on the application to 

acquire Hudson United Bancorp, Inc., Mahwah, New Jersey.

- Denied, October 27, 2005 

Secretary

Virginia Commerce Bank, Arlington, Virginia -- extension to April 28, 2006, to 

establish a branch at 9161 Liberia Avenue, Manassas.

- Granted, October 27, 2005 

Richmond

(AC) = Addition or Correction Delegated - Page 6 of 6
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending October 29, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 10/14/2005

Application by Butler Bancorp, MHC and

Butler Bancorp, Inc., both of Lowell,

Massachusetts, to become a mutual bank

holding company and a stock bank holding

company, respectively, by acquiring Butler

Bank, Lowell, Massachusetts, pursuant to

section 3(a)(1) and section 3(a)(3) of the Bank

Holding Company Act of 1956, as amended.

BUTLER BANCORP, MHC

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

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.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 October 29, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Smithtown, Smithtown, New York 11/15/2005

request approval to open a branch located at

1830 Route 112, Coram, Town of Brookhaven,

Suffolk County, New York, New York.

BANK OF SMITHTOWN

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

FILING IS CONFIDENTIAL- Citibank, N.A.

(Citibank) and its Edge Corp. subsidiary,

Citibank Overseas Investment Corporation

(COIC), 30 Day Prior Notice pursuant to

Section 211.9(f) of Reg. K in connection with

COIC's additional investment in Diners Club

Europe S.p.A. (Diners Club Europe).

Investment proposal to exceed the general

consent limits under Section 211.9(c)(1).

CITIBANK, N.A.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Deutsche Genossenschafts-Hypothekenbank

AG, Hamburg, Germany, requests prior

approval to establish a NY rep office.

DEUTSCHE

GENOSSENSCHAFTS-HYPOTH

EKENBANK AG

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Manufacturers and Traders 10/21/2005

Trust Company, Buffalo, New York to open a

branch office at 95 Highland Avenue, Suite

105, Hanover Township, Northampton County,

Pennsylvania.

MANUFACTURERS AND

TRADERS TRUST COMPANY

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

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.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 3

Federal Reserve Bank of Philadelphia

Filings received during the week ending October 29, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/28/2005

11/21/2005

First Wyoming Financial Corporation,

Wyoming, DE, to form a bank holding

company by acquiring First National Bank of

Wyoming, Wyoming, DE.

FIRST WYOMING FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A5 11/20/2005

11/21/2005

Fulton Financial Corporation, Lancaster, PA,

to acquire 100% of the outstanding shares of

Columbia Bancorp, Columbia, MD, and

thereby indirectly acquire The Columbia Bank,

Columbia, MD.

FULTON FINANCIAL

CORPORATION

* Subject to the provisions of the Community Reinvestment Act
District: 3

Federal Reserve Bank of Philadelphia

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.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 4

Federal Reserve Bank of Cleveland

Filings received during the week ending October 29, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 10/22/2005

establish a branch at 7701 Forsyth Boulevard,

St. Louis, MO.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 10/22/2005

establish a branch at 4110 Richardson Road,

Independence, KY.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Grand Rapids, MI to

establish a branch at 19025 Newburgh Road,

Livonia, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 10/28/2005

establish a branch at 225 Aptakisic Road,

Lincolnshire, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 10/22/2005

establish a branch at 366 South Kirkwood

Road, Kirkwood, MO.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 10/28/2005

establish a branch at 1383 South Rochester

Road, Rochester Hills, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 10/28/2005

establish a branch at 7041 Schaefer Road,

Dearborn, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 10/28/2005

establish a branch at 2315 South Center Road,

Burton, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 10/28/2005

establish a branch at 700 South Ballenger

Highway, Flint, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 3A5 11/30/2005

11/28/2005

Huntington Bancshares, Inc., Columbus, Ohio

to acquire Unizan Financial Corp., Canton,

Ohio

HUNTINGTON BANCSHARES

INCORPORATED

* Subject to the provisions of the Community Reinvestment Act
District: 4

Federal Reserve Bank of Cleveland

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.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Filings received during the week ending October 29, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/27/2005

11/21/2005

BankGreenville Financial Corporation,

Greenville, South Carolina, to become a bank

holding company through the acquistion of

100% of the voting securities of

BankGreenville, Greenville, South Carolina (in

organization).

BANKGREENVILLE

FINANCIAL CORPORATION

Newspaper:

Federal Register:

CIC Not available

11/16/2005

Notice by Charles F. Sposato Flint

Trust/trustee Mark Wayne Saunters, Elkton,

Maryland, to control 33.68% of the voting

shares of Cecil Bancorp, Inc., Elkton,

Maryland.

CECIL BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Gateway Financial Holdings, Inc., Elizabeth

City, North Carolina, to acquire up to 9.9% of

the outstanding common stock of

Commonwealth Bankshares, Inc., Norfolk,

Virginia, and thereby indirectly acquire up to

9.9% of the shares of Bank of the

Commonwealth, Norfolk, Virginia.

GATEWAY FINANCIAL

HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A1 11/22/2005

11/04/2005

PBSC Financial Corporation, Greenville,

South Carolina, to become a bank holding

company by acquiring 100% of Pinnacle Bank

of South Carolina, Greenville, South Carolina

(in organization).

PBSC FINANCIAL

CORPORATION

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

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.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 6

Federal Reserve Bank of Atlanta

Filings received during the week ending October 29, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

AmSouth Bank, Birmingham, Alabama, to 11/08/2005

establish branches at the following locations;

1230 W. McCulloch Road, Oviedo, Florida, to

be known as the Alafaya Trail Branch; 11

Alafaya Woods Boulevard, Orlando, Florida, to

be known as the Alafaya Woods Branch; 3710

SW 38th Street, Gainesville, Florida, to be

known as the Archer Road Branch; 4845 New

Broad Street, Orlando, Florida, to be known as

the Baldwin Park Branch; 10010 Eastern

Shore Boulevard, Spanish Fort, Alabama, to be

known as the Daphne (Malbis) Branch; 124

South Florida Avenue, Lakeland, Florida, to be

known as the Downtown Lakeland Branch;

3055 Ruen Drive, Palm Harbor, Florida, to be

known as the Lansbrook Branch; 4100 NW

16th Boulevard, Gainesville, Florida, to be

known as the Millhopper Branch; 11 N.

Indiana Avenue, Englewood, Florida, to be

known as the North Englewood Branch; 12301

South Orange Blossom Trail, Orlando, Florida,

to be known as the Southchase Branch; 2385

Parr Drive, The Villages, Florida, to be known

as the Villages Financial Center Branch.

AMSOUTH BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caja de Ahorros de Mediterraneo, Alicante,

Spain, to establish an international agency

located in Miami, Florida.

CAJA DE AHORROS DE

MEDITERRANEO

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Gateway Financial Holdings of Florida, Inc.,

Ormond Beach, Florida, to become a bank

holding company by acquiring 100 percent of

the outstanding shares of Gateway Bank of

Florida, Ormond Beach, Florida (in

organization).

GATEWAY FINANCIAL

HOLDINGS OF FLORIDA, INC.

Newspaper:

Federal Register:

* 3A5 Not available

11/21/2005

Gwinnett Commercial Group, Inc.,

Lawrenceville, Georgia, to merge with Buford

Banking Group, Inc., Buford, Georgia, and

thereby acquire its subsidiary, Lanier

Community Bank, Buford, Georgia.

GWINNETT COMMERCIAL

GROUP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 10/29/2005

establish branches at the following locations:

Coursey and Jones Creek, Baton Rouge,

Louisiana, to be known as the Coursey Branch;

Highland and Kenilworth, Baton Rouge,

Louisiana, to be known as the Highland

Branch; Airline and Highway 42, Prairieville,

Louisiana, to be known as the Praireville

Branch; I-10 and Highway 73, in the Oak

Plaza Shopping Center, Praireville, Louisiana,

to be known as the Dutchtown Branch; and

5900 Mounes, Metairie, Louisiana, to be

known as the Elmwood Branch.

IBERIABANK

* Subject to the provisions of the Community Reinvestment Act
District: 6

Federal Reserve Bank of Atlanta

Filings received during the week ending October 29, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 10/30/2005

establish a branch located at Belle Terre

Boulevard, LaPlace, Louisiana, to be known as

the LaPlace Branch.

IBERIABANK

Newspaper:

Federal Register:

* 3A5 11/20/2005

11/21/2005

Pinnacle Financial Partners, Inc., Nashville,

Tennessee, to merge with Cavalry Bancorp,

Inc., and thereby acquire its subsidiary,

Cavalry Banking, both of Nashville,

Tennessee.

PINNACLE FINANCIAL

PARTNERS, INC.

Newspaper:

Federal Register:

* 3A5 Not available

11/15/2005

Security Bank Corporation, Macon, Georgia, to

merge with Rivoli BanCorp, Inc., and thereby

acquire its subsidiary, Rivoli Bank & Trust

Company, both of Macon, Georgia.

SECURITY BANK

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 10/26/2005

a branch located at 5901 Harbour View

Boulevard, Suffolk City, Virginia, to be known

as the Harbour View Office.

SUNTRUST BANK

* Subject to the provisions of the Community Reinvestment Act
District: 6

Federal Reserve Bank of Atlanta

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.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 7

Federal Reserve Bank of Chicago

Filings received during the week ending October 29, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 11/28/2005

Capitol Bancorp, Ltd. Lansing, Michigan, to

acquire 51 percent of the voting shares of

Capitol Development Bancorp Limited III,

Lansing, Michigan, and thereby indirectly

acquire Bank of Santa Barbara (in

organization), Santa Barbara, California, and

by Capitol Development Bancorp Limited III,

Lansing, Michigan, to become a bank holding

company by acquiring 51 percent of the voting

shares of Bank of Santa Barbara (in

organization), Santa Barbara, California.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A1 Not available

11/18/2005

CenterBank Financial, Inc., Northfield,

Illinois, to become a bank holding company by

acquiring 100 percent of the voting shares of

CenterBank and Trust, National Association

(in organization), Deerfield, Illinois.

CENTERBANK FINANCIAL,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Chemical Bank and Trust Company, Midland, 11/02/2005

Michigan, to establish a branch facility to be

located at 310 N. Shiawassee St., Corunna,

Michigan.

CHEMICAL BANK AND

TRUST COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Cole Taylor Bank, Rosemont, Illinois, to 11/03/2005

establish a branch facility to be located at 9550

W. Higgins Road, Rosemont, Illinois.

COLE TAYLOR BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 11/03/2005

two branch facilities to be located at 23330

Westheimer Parkway, Katy, Texas, and at

8707 Highway 6 South, Houston, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

branch facilities to be located at 6812 Katella

Ave., Cypress, California; 318A Diablo Road,

Ste. 100, Danville, California; and 6301

Wilshire Blvd., Los Angeles, California.

COMERICA BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Midwest Bank, Itasca, Illinois, to

purchase the assets and assume the liabilities

of the Carpentersville, Illinois branch of Elgin

State Bank, Elgin, Illinois, and thereby to

establish a branch located at 2250 Randall

Road, Carpentersville, Illinois.

FIRST MIDWEST BANK

Newspaper:

Federal Register:

CIC Not available

10/31/2005

Notice by James Jay Johnson, Sutherland,

Iowa, to gain control of R & J Financial

Corporation, Inc., Elma, Iowa, and thereby

indirectly Peoples Savings Bank, Charles City,

Iowa.

R & J FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Town Bank, Delafield, Wisconsin, to establish 10/05/2005

a branch facility to be located at 12960 West

Bluemound Road, Elm Grove, Wisconsin.

TOWN BANK

* Subject to the provisions of the Community Reinvestment Act
District: 7

Federal Reserve Bank of Chicago

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.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 8

Federal Reserve Bank of St.Louis

Filings received during the week ending October 29, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Citizens Bank, Batesville, Arkansas, to 10/20/2005

establish a branch facility to be located at 511

Sylamore Avenue, Mountain View, Arkansas.

CITIZENS BANK, THE

Newspaper:

Federal Register:

* 3A5

Not available

Clayton Bancorp, Inc., Henderson, Tennessee, 12/04/2005

to merge with Bancshares of Camden, Inc.,

Camden, Tennessee, and thereby indirectly

acquire Bank of Camden, Camden, Tennessee.

CLAYTON BANCORP, INC

Newspaper:

Federal Register:

CIC Not available

11/14/2005

Notice by Clarence Ray Brewer, Jr., Central

City, Kentucky, to gain control of Community

Bancorp of McLean County, Kentucky, Inc.,

Island, Kentucky.

COMMUNITY BANCORP OF

MCLEAN COUNTY,

KENTUCKY,INC

Newspaper:

Federal Register:

* Branch

Not applicable

Community First Bank, Corydon, Indiana, to 10/27/2005

establish a branch facility to be located at 316

West Tipton Street, Seymour, Indiana.

COMMUNITY FIRST BANK

Newspaper:

Federal Register:

* 3A5 Not available

11/28/2005

German American Bancorp, Jasper, Indiana, to

merge with Stone City Bancshares, Inc.,

Bedford, Indiana, and thereby indirectly

acquire Stone City Bank of Bedford, Bedford,

Indiana.

GERMAN AMERICAN

BANCORP

Newspaper:

Federal Register:

* 3A3 11/19/2005

11/04/2005

Porter Bancorp, Inc., Shepherdsville,

Kentucky, to increase its ownership to 100

percent of BBA, Inc., Shepherdsville,

Kentucky, and thereby indirectly acquire

Bullitt County Bank, Shepherdsville,

Kentucky.

PORTER BANCORP, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 8

Federal Reserve Bank of St.Louis

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.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Filings received during the week ending October 29, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 11/05/2005

11/10/2005

Citizens Development Company, Billings,

Montana to merge with United

Bancorporation, Billings, Montana and thereby

indirectly acquire Lincoln County Bank,

Merrill, Wisconsin; United Bank, Osseo,

Wisconsin; Bank of Poynette, Poynette,

Wisconsin and Cambridge State Bank,

Cambridge, Wisconsin.

CITIZENS DEVELOPMENT

COMPANY

Newspaper:

Federal Register:

* 3A5 11/23/2005

11/10/2005

Citizens Development Company, Billings,

Montana to merge with Midwest

Bancorporation, Billings, Montana and thereby

indirectly acquire Clarke County State Bank,

Osceola, Iowa, Farmers and Merchants State

Bank, Iroquois, South Dakota and Farmers

State Bank, Stickney, South Dakota.

CITIZENS DEVELOPMENT

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

First PREMIER Bank, Sioux Falls, South 11/10/2005

Dakota, to establish a new branch facility at

6010 S. Minnesota Avenue, Sioux Falls, South

Dakota.

FIRST PREMIER BANK

Newspaper:

Federal Register:

CIC 11/10/2005

11/07/2005

Change in control notice by Marilyn J. Ivers,

Great Falls, Montana, as co-trustee, to aquire

control of Northern Financial Corporation,

Independence, Wisconsin, and thereby

indirectly aquire control of Independence State

Bank, Independence, Wisconsin.

NORTHERN FINANCIAL

CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by the John C. Elsenpeter 2004 Term

Trust and the John C. Elsenpeter 2005 Term

Trust ("JCE Trusts"); John C. Elsenpeter,

individually and as trustee of the JCE Trusts;

The Vicki J. Elsenpeter 2004 Term Trust and

The Vicki J. Elsenpeter 2005 Term Trust

("VJE Trusts"); and Vicki J. Elsenpeter,

individually and as trustee of the VJE Trusts,

Walker, Minnesota, to acquire 25 percent or

more of the shares of Walker Ban Co., Walker,

Minnesota, and thereby indirectly gain control

of First National Bank of Walker, Walker,

Minnesota and Lakes State Bank, Pequot

Lakes, Minnesota.

WALKER BAN CO.

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

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.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Filings received during the week ending October 29, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

11/21/2005

BancFirst Corporation, Oklahoma City,

Oklahoma, to acquire 100 percent of the voting

shares of Park State Bank, Nicoma Park,

Oklahoma.

BANCFIRST CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Commerce,Chelsea, Oklahoma, to 11/23/2005

establish a branch at 6655 S. Lewis Avenue,

Suite 150, Tulsa, Oklahoma.

BANK OF COMMERCE

Newspaper:

Federal Register:

* Branch

Not applicable

Bank2, Oklahoma City, Oklahoma, to establish 11/09/2005

a branch at 1701 S. Morgan Road, Oklahoma

City, Oklahoma.

BANK2

Newspaper:

Federal Register:

* 3A5 Not available

11/28/2005

CCB Corporation, Kansas City, Missouri, to

merge with Acquisition Corporation, Leawood,

Kansas, parent of MidAmerican Bank & Trust

Company, N.A., Leavenworth, Kansas.

CCB CORPORATION

Newspaper:

Federal Register:

CIC 11/14/2005

11/14/2005

Notification by Garth Lee Gibson and Cynthia

Annette Gibson, both of Montrose, Colorado,

to acquire control of First Mountain Company,

Montrose, Colorado, parent of MontroseBank,

Montrose, Colorado.

FIRST MOUNTAIN COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

First State Bank N.M., Taos, New Mexico, to 11/04/2005

establish a branch on the northwest portion in

the shopping center located at the southwest

corner of Southern and Unser Boulevard, Rio

Rancho, New Mexico.

FIRST STATE BANK N.M.

Newspaper:

Federal Register:

* Branch

Not applicable

MontroseBank, Montrose, Colorado, to 11/03/2005

establish a branch at 218 Grand Avenue,

Paonia, Colorado.

MONTROSEBANK

Newspaper:

Federal Register:

* Branch

Not applicable

Rocky Mountain Bank, Rock Springs, 10/06/2005

Wyoming, to establish a branch at 4050 West

Lake Creek Drive, Wilson, Wyoming.

ROCKY MOUNTAIN BANK

Newspaper:

Federal Register:

CIC

Not available

Notification by Eva K. Grauer, Wilson, 11/02/2005

Kansas, as trustee of the Robert L. Grauer

Trust No. 1, Wilson, Kansas, to retain control

of Wilson Bancshares, Inc., Wilson, Kansas,

parent of Wilson State Bank, Wilson, Kansas.

WILSON BANCSHARES, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

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.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Filings received during the week ending October 29, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/11/2005

11/09/2005

Notice by Mr. Robert Cundiff Phillips, Clifton,

Texas, to acquire an additional 26.34 percent

for a total of 39.52 percent interest in Bosque

Bancshares, Inc., Cranfills Gap, Texas, and

indirectly Bosque Delaware Financial

Corporation, Dover, Delaware, and First

Security State Bank, Cranfills Gap, Texas.

BOSQUE BANCSHARES, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

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.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Filings received during the week ending October 29, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of the Federated States of Micronesia,

Kolonia, Pohnpei, Federated States of

Micronesia, to establish a limited service

non-insured branch in Honolulu, Hawaii,

pursuant to section 7(d)of the International

Banking Act, and section 211.24(a)(1) of

Regulation K.

BANK OF THE FEDERATED

STATES OF MICRONESIA

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

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.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act