Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 38

Week Ending September 17, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions September 11, 2005 to September 17, 2005

Enforcement

Credit Lyonnais, S.A., Paris, France -- request by Jean Peyrelevade, the former chief 

executive officer, for interlocutory review of a prehearing order issued by the 

administrative law judge in an enforcement proceeding.

- Denied, September 15, 2005 

UBS AG, Zurich, Switzerland -- issuance of an order of prohibition against 

Hanspeter Walder, a former employee and officer of the New York branch.

- Announced, September 15, 2005 

Forms

Forms -- final Board review to extend with revision the International Applications 

and Prior Notifications Under Subpart B of Regulation K (FR K-2), and Application 

for a Foreign Organization to Become a Bank Holding Company (FR Y-1F); to 

revise without extension the Consolidated Financial Statements for Bank Holding 

Companies (FR Y-9C); and to extend without revision the Notifications Related to 

Community Development and Public Welfare Investments of State Member Banks 

(FR H-6)

- Approved, September 15, 2005 

(AC) = Addition or Correction Board - Page 1 of 1
September 11, 2005 to September 17, 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

Fidelity & Trust Bank, Bethesda, Maryland -- to establish a branch at 1720 Eye 

Street, Northwest, Washington, D.C.

- Approved, September 14, 2005 

Richmond

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 3870 State 

Street Road, Bay City.

- Approved, September 15, 2005 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1812 San 

Marco Road, Marco Island, Florida

- Approved, September 15, 2005 

Cleveland

First Bank, St. Louis, Missouri -- to establish a branch at 1285 Corona Pointe Court, 

Corona, California.

- Approved, September 13, 2005 

St. Louis

First Farmers and Merchants Bank, Columbia, Tennessee -- to establish a branch at 

106 Highway 70 East, Unit 3, Dickson.

- Approved, September 16, 2005 

Atlanta

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 640 Scranton Carbondale Highway, Dickson City, Pennsylvania.

- Approved, September 13, 2005 

New York

Northbrook Bank & Trust Company, Northbrook, Illinois -- to establish a branch at 

875 Sanders Road.

- Approved, September 15, 2005 

Chicago

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority September 11, 2005 to September 17, 2005

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 5300 30th Street East, 

Bradenton, Florida.

- Approved, September 12, 2005 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 163 South Tamiami 

Trail, Osprey, Florida.

- Approved, September 12, 2005 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 2575 Glades Circle, 

Weston, Florida.

- Approved, September 13, 2005 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 2444 Chesapeake Square 

Ring, Chesapeake, Virginia.

- Approved, September 15, 2005 

Atlanta

Westamerica Bank, San Rafael, California -- to establish a branch at 2440 Tulare 

Street, Suite 110, Fresno.

- Approved, September 14, 2005 

San Francisco

Bank Holding Companies

Bank of America Corporation, Charlotte, North Carolina -- commenters' requests to 

extend the comment period on the application to acquire MBNA Corporation, 

Wilmington, Delaware.

- Granted, September 13, 2005 

Secretary

CCB Financial Corporation, Jonesboro, Georgia -- to become a bank holding 

company and to acquire Community Capital Bank.

- Approved, September 12, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority September 11, 2005 to September 17, 2005

Bank Holding Companies

Cowlitz Bancorporation, Longview, Washington -- to merge with AEA Bancshares, 

Inc., Seattle, and thereby acquire Asia-Europe-Americas Bank.

- Approved, September 15, 2005 

San Francisco

FCB Bancorp, Camarillo, California -- to become a bank holding company and to 

acquire First California Bank.

- Approved, September 15, 2005 

San Francisco

FCB Bancorp, Camarillo, California -- to merge with South Coast Bancorp, Inc., 

Irvine, and thereby acquire South Coast Commercial Bank.

- Approved, September 15, 2005 

San Francisco

First Commercial Bancshares, Inc., Jackson, Mississippi -- to become a bank 

holding company and to acquire First Commercial Bank.

- Approved, September 16, 2005 

Atlanta

Florence Bancorp, MHC, Florence, Massachusetts -- to become a bank holding 

company and to acquire Florence Savings Bank.

- Approved, September 13, 2005 

Boston

Frandsen Financial Corporation, Arden Hills, Minnesota -- to acquire QCF Bancorp, 

Virginia, and thereby acquire Queen City Federal Savings Bank and operate a 

savings association.

- Approved, September 16, 2005 

Minneapolis

FSB Bancshares, Inc., Church Point, Louisiana -- to become a bank holding 

company and to acquire Farmers State Bank and Trust.

- Approved, September 12, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority September 11, 2005 to September 17, 2005

Bank Holding Companies

IA Bancorp, Inc. (in formation), Iselin, New Jersey -- to become a bank holding 

company and to acquire Indus American Bank, a de novo bank.

- Approved, September 16, 2005 

New York

Superior Bancshares, Inc., Hazelwood, Missouri -- to become a bank holding 

company and to acquire Superior Bank.

- Approved, September 16, 2005 

St. Louis

Bank Mergers

American Bank of St. Paul, St. Paul, Minnesota -- to merge with American Bank of 

Olivia, Olivia, and establish branches at 815 East Depue Avenue, Olivia, and Main 

Street, Renville.

- Approved, September 12, 2005 

Minneapolis

Bank Independent, Sheffield, Alabama -- to acquire certain assets and assume 

certain liabilities of 13 branches of Colonial Bank, National Association, 

Montgomery, located at 101 South Clinton Street, Athens; 902 Highway 31 North, 

Hartselle; 1425 Beltline Road Southwest, Decatur; 102 2nd Avenue Southeast; 117 

4th Avenue South, Red Bay; 720 Seminary Street, Moulton; 101 Jackson Avenue, 

Russellville; 13566 Highway 43 South; 101 South Main Street, Tuscumbia; 11250 

Highway 101, Lexington; 201 East Dr. Hicks Boulevard, Florence; 2704 Hough 

Road; and 530 West Avalon Avenue, Muscle Shoals. 

- Approved, September 15, 2005 

Atlanta

The Citizens Banking Company, Sandusky, Ohio -- to merge with First Citizens 

Bank, New Washington, and establish branches.

- Approved, September 12, 2005 

Cleveland

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority September 11, 2005 to September 17, 2005

Bank Mergers

First Security Bank of Missoula, Missoula, Montana -- to merge with First State 

Bank, Thompson Falls, and establish branches at 107 South Fulton; 510 West 

Railroad, Plains; and 590 North Montana, Dillon.

- Approved, September 15, 2005 

Minneapolis

Bank Premises

FirstBank, Antlers, Oklahoma -- to increase its investment in bank premises.

- Approved, September 13, 2005 

Kansas City

Change In Bank Control

First Medicine Lodge Bancshares, Inc., Overland Park, Kansas -- change in bank 

control.

- Permitted, September 15, 2005 

Kansas City

First State Bancorporation of Watonga, Inc., Watonga, Oklahoma -- change in bank 

control.

- Permitted, September 12, 2005 

Kansas City

The First State Bank of Bourbon, Indiana, Bourbon, Indiana -- to retain control of 

The First State Bank of Bourbon, Indiana.

- Permitted, September 15, 2005 

Chicago

Tennessee State Bancshares, Inc., Pigeon Forge, Tennessee -- change in bank 

control.

- Permitted, September 12, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority September 11, 2005 to September 17, 2005

Competitive Factors Reports

Citibank, N.A., New York, New York, and Department Stores National Bank, Sioux 

Falls, South Dakota -- report on competitive factors of the proposed purchase of 

assets and assumption of liabilities of the credit card business of Federated 

Department Stores, Inc., Cincinnati, Ohio, and the related credit card assets of FDS 

Bank, Mason.

- Submitted, September 13, 2005 

Secretary

The Cowlitz Bank, Longview, Washington -- report on competitive factors of the 

proposed merger with Asia-Europe-Americas Bank, Seattle.

- Submitted, September 16, 2005 

San Francisco

E*TRADE Bank, Arlington, Virginia -- report on competitive factors of the 

proposed merger with E*TRADE Interim Bank.

- Submitted, September 14, 2005 

Richmond

First Arkansas Bank and Trust, Jacksonville, Arkansas -- report on competitive 

factors of the proposed merger with First Team Bank, Heber Springs.

- Submitted, September 15, 2005 

St. Louis

Grand Valley National Bank, Grand Junction, Colorado -- report on competitive 

factors of the proposed consolidation with Heber Valley National Bank, Heber City, 

Utah.

- Submitted, September 12, 2005 

Kansas City

The Harbor Bank of Maryland, Baltimore, Maryland -- report on competitive factors 

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

Randallstown branch of Susquehanna Bank, Hagerstown.

- Submitted, September 13, 2005 

Richmond

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority September 11, 2005 to September 17, 2005

Competitive Factors Reports

MAF Bancorp, Incorporated, Clarendon Hills, Illinois -- report on competitive 

factors of the proposed merger with EFC Bancorp, Inc., Elgin.

- Submitted, September 14, 2005 

Chicago

North Shore Bank, F.S.B., Brookfield, Wisconsin -- reports on competitive factors 

of the proposed merger with Illinois State Bank, Lake in the Hills, Illinois, and the 

proposed merger of Illinois State Bank with North Shore Interim Bank.

- Submitted, September 14, 2005 

Chicago

Peoples State Bank of Francesville, Francesville, Indiana -- report on competitive 

factors of the proposed merger with State Bank of Oxford, Oxford.

- Submitted, September 16, 2005 

Chicago

The Peoples State Bank, Many, Louisiana -- report on competitive factors of the 

proposed merger with First State Bank, Italy, Texas.

- Submitted, September 13, 2005 

Dallas

Extensions Of Time

Citigroup Inc., New York, New York -- extension of time for its subsidiary, Banco 

Nacional de Mexico, S.A., Mexico City, Mexico, to divest its interests in certain 

assets acquired in settlement of debts previously contracted.

- Granted, September 13, 2005 

Secretary

Frederick County Bank, Frederick, Maryland -- extension to April 6, 2006, to 

establish a branch at 6910 Crestwood Boulevard.

- Granted, September 13, 2005 

Richmond

(AC) = Addition or Correction Delegated - Page 7 of 7
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending September 17, 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

Newspaper:

Federal Register:

* Branch

Not applicable

Application by The Connecticut Bank and Trust 09/17/2005

Company to open a branch at 148 Broad Street,

Windsor, Connecticut, pursuant to section 9 of

the Federal Reserve Act and section 208.6 of

Regulation H.

CONNECTICUT BANK &

TRUST COMPANY, THE

Newspaper:

Federal Register:

* Branch

Not applicable

Application by The Connecticut Bank and Trust 09/17/2005

Company to open a branch at 435 Hartford

Turnpike, Vernon, Connecticut, pursuant to

section 9 of the Federal Reserve Act and section

208.6 of Regulation H.

CONNECTICUT BANK &

TRUST COMPANY, THE

Newspaper:

Federal Register:

* 3A3 Not available

10/10/2005

Application by Southern Connecticut Bancorp,

Inc., New Haven, Connecticut to acquire 100%

of the voting shares of The Bank of

Southeastern Connecticut, New London,

Connecticut, a de novo bank, pursuant to

section 3(a)(3) of the Bank Holding Company

Act of 1956, as amended.

SOUTHERN CONNECTICUT

BANCORP, INC

* 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 September 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Bank of Millbrook, Millbrook, NY application

for a branch office located at 5094 Route 22,

Amenia, NY

BANK OF MILLBROOK

Newspaper:

Federal Register:

4c8 Not applicable

10/03/2005

Commonwealth Bank of Australia, Sydney,

Australia, requests prior approval pursuant to

Section 4(c)(8) of the BHC Act and Section

225.24(a) of Regulation Y, for its recently

formed, wholly-owned subsidiary, CommSec

LLC, New York, New York, to engage in

securities brokerage, private placement

services, and other transactional services

pursuant to Section 225.28(b)(7)(i), (iii), and

(v).

COMMONWEALTH BANK OF

AUSTRALIA

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Deutsche Genossenschafts-Hypothekenbank

AG, Hamburg, Germany, requests prior

approval to establish a NY rep office.

DEUTCHE

GENOSSENSCHAFTS-HYPOTH

EKENBANK AG

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The Governor and Company of The Bank of

Ireland, Dublin, Ireland to establish a

representative office in Los Angeles, California,

pursuant to Section 10(a) of the International

Banking Act of 1978, and Section

211.24(a)(2)(i)(B)of Reg K.

GOVERNOR AND COMPANY

OF THE BANK OF IRELAND,

THE

Newspaper:

Federal Register:

* 3A5 Not available

Not available

New York Community Bancorp, Inc.,

Westbury, New York, requests approval to

acquire Long Island Financial Corp., and Long

Island Commercial Bank, both of Islandia, New

York, pursuant to Section 3(a)(5) of Regulation

Y.

NEW YORK COMMUNITY

BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

The Toronto-Dominion Bank, Ontario, Canada,

and TD Banknorth Inc., Portland, Maine,

propose to acquire 100 percent of the voting

shares of Hudson United Bancorp, Mahwah,

New Jersey, pursuant to Section 3(a)(3) of the

Bank Holding Company Act, and Section

225.15 of Regulation Y.

TORONTO-DOMINION BANK,

THE

* 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

645317 ADIRONDACK TC, SARATOGA SPRINGS, NEW YORK 04/04/2005 09/01/2005 O Large Bank

2736291 BANCO POPULAR NORTH AMER, NEW YORK, NEW YORK 01/18/2005 09/01/2005 O Large Bank

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 September 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

151818 COMMUNITY B&TC, CLARKS SUMMIT, PENNSYLVANIA 04/25/2005 09/07/2005 O Large Bank

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 September 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 10/03/2005

10/07/2005

Application by CB Financial Services, Inc.,

Carmichaels, PA to acquire 100 percent of the

voting shares of Community Bank, N.A.,

Washington, PA

CB Financial Services, Inc.

Newspaper:

Federal Register:

* Branch

Not applicable

Notice by Fifth Third Bank, Grand Rapids, MI 08/25/2005

of its intent to establish a branch at 1812 San

Marco Road, Marco Island, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Notice by Fifth Third Bank, Grand Rapids, MI 08/20/2005

of its intent to establish a branch at 3870 State

Street Road, Bay City, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

KeyBank, N.A., Cleveland, Ohio, to make

additional investments in all Edge and

agreement corporation subsidiaries totaling

$110 million or 13.64% of capital and surplus

KEYBANK NATIONAL

ASSOCIATION

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

KRM Holdings, Inc., Albany, NY, (agreement

corporation) to make additional investments in

KRM Leasing, Ltd., Hamilton, Bermuda

KRM HOLDINGS, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

PNC Financial Services Group, Inc. to acquire

HW Holdings, Inc., Richmond, Virginia, and

its subsidiaries Harris Williams & Co. and

Harris Williams Advisors, Inc. and thereby

engage in the business of advising clients on

merger and acquisition matters. In addition,

Harris Williams Advisors, Inc. engages in

broker-dealer activities.

PNC FINANCIAL SERVICES

GROUP, INC., THE

* 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 September 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 09/30/2005

10/13/2005

SCBT Financial Corporation, Columbia, South

Carolina, to acquire 100% of the voting

securities of Sun Bancshares, Inc., Murrells

Inlet, South Carolina, and thereby indirectly

acquire SunBank, National Association,

Murrells Inlet, South Carolina.

SCBT 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

858528 BANK OF MARION, MARION, VIRGINIA 05/16/2005 08/17/2005 S Large Bank

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 September 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco Popular Espanol, S.A., Madrid, Spain, to

establish an international representative office

in Miami, Florida.

BANCO POPULAR ESPANOL,

S.A.

Newspaper:

Federal Register:

* 3A1 10/02/2005

09/16/2005

Eastside Commercial Bancshares, Inc.,

Conyers, Georgia, to become a bank holding

company by acquiring 100 percent of the

outstanding shares of Eastside Commercial

Bank, Conyers, Georgia(in organization).

EASTSIDE COMMERCIAL

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 10/04/2005

10/04/2005

FCB Bancshares, Inc., Cullman, Alabama,

prior change in control notice filed by John

Joseph Mullins, Jacob Mullins, and Angelia M.

Mullins, to collectively acquire 25.92 percent of

the outstanding shares of FCB Bancshares, Inc.,

along with its subsidiary, Premier Bank of the

South, Good Hope, Alabama.

FCB BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

09/29/2005

General Bancshares, Inc., Jasper, Tennessee,

prior change in control filed by Robert Thomas,

Monteagle, Tennessee; Robert Thomas, Jr.,

Signal Mountain, Tennessee; David Thomas,

Chattanooga, Tennessee; and Frank Thomas;

Monteagle, Tennessee, to aquire 3.60 percent of

the outstanding stock of General Bancshares,

Inc., and its subsidiary bank, Citizens State

Bank, both of Jasper, Tennessee. Pro forma

total ownership will be 27.35 percent.

GENERAL BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

09/29/2005

General Bancshares, Inc., Jasper, Tennessee,

prior change in control filed by Clara Brown,

Jasper, Tennessee, to acquire 1.62 percent of

the outstanding stock of General Bancshares,

Inc., and its subsidiary bank, Citizens State

Bank, Jasper, Tennessee. Pro forma total

ownership will be 12.32 percent.

GENERAL BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3

Not available

OMNI BANCSHARES, INC., Metairie, 09/29/2005

Louisiana, to acquire 100 percent of the

outstanding shares of voting stock of OMNI

BANK of Baton Rouge, Baton Rouge,

Louisiana (in organization).

OMNI BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 10/04/2005

10/04/2005

PanAmerican Bancorp, Miami, Florida, prior

change in control notice filed by York Capital

Management L.P.,York Investment Limited,

York Global Value Partners, L.P., York Global

Value Holdings, LLC, Dinan Management,

LLC, York Offshore Holdings, Limited; Dinan

Management, L.P., Dinan Management

Corporation, and James G. Dinan (collectively),

all of New York, New York; and York Global

Value Holdings, L.P., York Global Value

Holdings, LLC, and James G. Dinan,

individually and on behalf of the York group, to

acquire 24.9 percent of the voting shares of

PanAmerican Bancorp, and thereby indirectly

acquire voting shares of its subsidiary bank,

PanAmerican Bank, both of Miami, Florida.

PANAMERICAN BANCORP

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

Federal Reserve Bank of Atlanta

Filings received during the week ending September 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 10/12/2005

10/11/2005

Synovus Financial Corp., Columbus, Georgia,

to merge with Riverside Bancshares, Inc., and

its subsidiary, Riverside Bank, both of Marietta,

Georgia.

SYNOVUS FINANCIAL CORP.

Newspaper:

Federal Register:

* 3A5 10/14/2005

10/13/2005

West Alabama Capital Corp., Reform,

Alabama, to merge with West Alabama

Bancshares, Inc., and thereby acquire its

subsidiary, Merchants & Farmers Bank, both of

Millport, Alabama.

WEST ALABAMA CAPITAL

CORP.

* 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 September 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/13/2005

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited I,

Lansing, Michigan, to acquire 51 percent of the

voting shares of Bank of Belleville (in

organization), Belleville, Illinois.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 3001 N.

Tamiami Trail, Naples, Florida.

COMERICA BANK

Newspaper:

Federal Register:

4c8 Not applicable

Not available

First Midwest Bancorp, Inc., Itasca, Illinois, to

acquire at least 15 percent of Textura, L.L.C.,

Lake Bluff, Illinois, and thereby to engage in

providing data processing services.

FIRST MIDWEST BANCORP,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Northbrook Bank and Trust Company, 08/26/2005

Northbrook, Illinois, to establish a branch

facility to be located at 875 Sanders Road,

Northbrook, Illinois.

NORTHBROOK BANK &

TRUST COMPANY

* 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 September 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

1st Advantage Bancshares, Inc., St. Peters,

Missouri, to become a bank holding company

by acquiring 100 percent of 1st Advantage

Bank, St. Peters, Missouri.

1ST ADVANTAGE

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 10/03/2005

10/06/2005

German American Bancorp, Jasper, Indiana, to

acquire 9.8 percent of Eclipse Bank, Inc.,

Louisville, Kentucky (in organization).

GERMAN AMERICAN

BANCORP

Newspaper:

Federal Register:

CIC

Not available

Notice by The First National Bank of Raymond 10/04/2005

Employee Stock Ownership Plan, Raymond,

Illinois, individually, and as a control group

with its trustees, Patricia L. Clarke,

Farmersville, Illinois; Larry J. Herron, Girard,

Illinois; and Neil T. Jordan, Morrisonville,

Illinois to retain control of Raymond Bancorp,

Inc., Raymond, Illinois.

RAYMOND 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 September 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

10/11/2005

Abdo Investments, Inc., Edina, Minnesota, to

become a bank holding company by acquiring

up to 24.2 percent of Rivers Ridge Holding

Company, Edina, Minnesota, which owns

BankVista, Sartell, Minnesota.

ABDO INVESTMENTS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/06/2005

Bridgewater Bancshares, Inc., Bloomington,

Minnesota to become a bank holding company

by acquiring 100% of Bridgewater Bank,

Bloomington, Minnesota, a de novo bank.

BRIDGEWATER

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Davis Bancshares, Inc., McClusky, North

Dakota, to merge with Underwood Holding

Company, Underwood, North Dakota, and

thereby indirectly acquire First Security Bank,

Underwood, North Dakota.

DAVIS BANCSHARES, INC

* 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 September 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Colorado Community Bank, Yuma, Colorado, 09/30/2005

to establish a branch at 4625 Trail Boss Drive,

Castle Rock, Colorado.

COLORADO COMMUNITY

BANK

* 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 September 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/13/2005

FC Holdings, Inc., Houston, Texas, and FC

Holdings of Delaware, Inc., Wilmington,

Delaware, to acquire 100 percent of Lake Area

National Bank, Trinity, Texas.

FC HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A3 09/30/2005

10/07/2005

North American Bancshares, Inc., Sherman,

Texas, and Texoma Holding Company Inc.,

Dover, Delaware, to acquire 100 percent of

State Bank and Trust of Seguin, Texas, Seguin,

Texas.

NORTH AMERICAN

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 10/01/2005

10/03/2005

South Texas Bancshares, Inc., Grand Prairie,

Texas, to become a bank holding company by

acquiring 100 percent of Caprock Bancshares,

Inc., Shallowater, Texas, and indirectly acquire

First State Bank, Shallowater, Texas.

SOUTH TEXAS 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

268257 COMMUNITY BK, GRANBURY, TEXAS 05/16/2005 08/26/2005 S Large Bank

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 September 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/10/2005

Cathay General Bancorp, Los Angeles,

California, to acquire up to 100 percent of Great

Eastern Bank, New York, New York.

CATHAY GENERAL BANCORP

Newspaper:

Federal Register:

* Branch

Not applicable

Nevada First Bank, Las Vegas, Nevada, to 09/15/2005

establish a branch facility on Double R

Boulevard, between South Meadows Parkway

and Sandhill Road, Reno, Nevada.

NEVADA FIRST BANK

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Northrim BanCorp, Inc., Anchorage, Alaska,

12 day prior notice to acquire 24.9 percent of

Pacific Wealth Advisors, LLC, and invest in

investment advisory trust activities and

non-depository trust company activities.

NORTHRIM BANCORP, INC.

* 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

933975 BANK OF UT, OGDEN, UTAH 05/02/2005 08/31/2005 S Large Bank

20866 HOME VALLEY BK, CAVE JUNCTION, OREGON 05/16/2005 09/08/2005 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act