Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 3

Week Ending January 21, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions January 15, 2006 to January 21, 2006

Bank Holding Companies

Fulton Financial Corporation, Lancaster, Pennsylvania -- to merge with Columbia 

Bancorp, Columbia, Maryland, and acquire The Columbia Bank.

- Approved, January 17, 2006 

Synovus Financial Corp., Columbus, Georgia -- to acquire Riverside Bancshares, 

Inc., Marietta, and Riverside Bank.

- Approved, January 18, 2006 

Wachovia Corporation, Charlotte, North Carolina -- interpretation to clarify that 

Wachovia Corporation (and all internationally active bank holding companies) may 

include trust preferred securities that mandatorily convert into noncumulative 

perpetual preferred securities in its tier 1 capital.

- Approved, January 19, 2006 

Enforcement

Credit Lyonnais, S.A., Paris, France -- issuance of a consent cease and desist order 

against Jean Peyrelevade, a former institution-affiliated party.

- Approved, January 18, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
January 15, 2006 to January 21, 2006

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

1st Source Bank, South Bend, Indiana -- to establish a branch at 3267 Northview 

Drive, Elkhart.

- Approved, January 18, 2006 

Chicago

Compass Bank, Birmingham, Alabama -- to establish a branch at 13388 North 

Freeway, Ft. Worth, Texas.

- Approved, January 20, 2006 

Atlanta

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 11511 State 

Road 82, Ft. Meyers, Florida.

- Approved, January 17, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 4801 Norton 

Healthcare Boulevard, Louisville, Kentucky.

- Approved, January 17, 2006 

Cleveland

Woodlands Bank, Williamsport, Pennsylvania -- to establish a branch at 1980 West 

Fourth Street.

- Approved, January 19, 2006 

Philadelphia

Bank Holding Companies

First Community Bancshares, Inc., Overland Park, Kansas; Citizens Bancshares 

Company, Chillicothe, Missouri; Young Corporation; and Young Partners, L.P. -- 

waiver of application in connection with the acquisition of Corning Investment 

Company, Inc., Centralia, and The Farmers State Bank of Corning, Corning.

- Approved, January 19, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 1 of 4
H.2 Actions under delegated authority January 15, 2006 to January 21, 2006

Bank Holding Companies

Rabobank International Holding B.V., Utrecht, The Netherlands; Utrecht-American 

Holdings, Inc., New York, New York; and VIB Corp, El Centro, California -- to 

acquire loans in connection with the acquisition of Central Coast Bancorp, Salinas.

- Withdrawn, January 19, 2006 

New York

Synovus Financial Corp., Columbus, Georgia -- to merge with Banking Corporation 

of Florida, Naples, Florida, and thereby acquire First Florida Bank.

- Approved, January 20, 2006 

Atlanta

The Templar Fund, Inc., St. Louis, Missouri, Trubank Securities Trust, Clayton, and 

Truman Bancorp, Inc. -- to acquire FFC Financial Corporation, St. Louis, and 

thereby acquire Keystone Bank, Northwoods.

- Approved, January 19, 2006 

St. Louis

Competitive Factors Reports

BancFirst, Oklahoma City, Oklahoma -- report on competitive factors of the 

proposed merger with Park State Bank, Nicoma Park.

- Submitted, January 17, 2006 

Kansas City

BankFinancial, F.S.B., Olympia Fields, Illinois -- report on competitive factors of 

the proposed merger with University National Bank, Chicago.

- Submitted, January 19, 2006 

Chicago

Jourdanton State Bank, Jourdanton, Texas -- report on competitive factors of the 

proposed acquisition of the Pearsall branch of Capital Bank of Texas, Carrizo 

Springs.

- Submitted, January 19, 2006 

Dallas

(AC) = Addition or Correction Delegated - Page 2 of 4
H.2 Actions under delegated authority January 15, 2006 to January 21, 2006

Competitive Factors Reports

Merchants and Farmers Bank, Kosciusko, Mississippi -- report on competitive 

factors of the proposed merger with First National Bank of Shelby County, 

Columbiana, Alabama.

- Submitted, January 18, 2006 

St. Louis

Peoples State Bank, Elkader, Iowa -- report on competitive factors of the proposed 

merger with Union State Bank, Monona, and Postville State Bank, Postville.

- Submitted, January 19, 2006 

Chicago

TD Banknorth, National Association, Portland, Maine -- report on competitive 

factors of the proposed merger with Hudson United Bank, Mahwah, New Jersey.

- Submitted, January 18, 2006 

New York

Extensions Of Time

1st United Bank, Boca Raton, Florida -- extension to February 19, 2007, to establish 

a branch at 307 Evernia Street, West Palm Beach.

- Granted, January 18, 2006 

Atlanta

Alabama National BanCorporation, Birmingham, Alabama -- extension to June 30, 

2006, to merge with Florida Choice Bankshares, Inc., Mt. Dora, Florida, and 

thereby acquire Florida Choice Bank.

- Granted, January 18, 2006 

Atlanta

Bearden Bancshares, Inc., Bearden, Arkansas -- extension to February 28, 2006, to 

engage in general insurance agency activities in a town with a population of less 

than 5,000 through the acquisition of BBI Insurance Agency, Inc.

- Granted, January 20, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 3 of 4
H.2 Actions under delegated authority January 15, 2006 to January 21, 2006

Extensions Of Time

Mercantile Bancorp, Inc., Quincy, Illinois -- extension to April 18, 2006, to increase 

its ownership from 32.81 percent up to 39.95 percent of the shares of New Frontier 

Bancshares, Inc., St. Charles, Missouri, and thereby increase its indirect control of 

New Frontier Bank.

- Granted, January 17, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 4
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending January 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Notification by Anglo Irish Bank Corporation 01/26/2006

plc, Dublin, Ireland to incorporate its existing

Boston and New York representative offices.

ANGLO IRISH BANK

CORP.,PLC

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 02/06/2006

Meridian Interstate Bancorp, Inc., East Boston,

Massachusetts, to become a mid-tier stock

bank holding company of Meridian Financial

Services, Inc., East Boston, Massachusetts, by

acquiring East Boston Savings Bank, East

Boston, Massachusetts, pursuant to sections

3(a)(1) and 3(a)(3)

MERIDIAN INTERSTATE

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 January 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Notice by Chohung Bank, Seoul, Korea.

("Chohung"), to retain the existing New York

branch of Shinhan Bank, Seoul, Korea,

("Shinhan"), upon consummation of the

merger of Shinhan into Chohung, which will

operate under the name of "Shinhan Bank",

pursuant to Section 211.24(a)(2)(i)(A) of

Regulation K.

CHOHUNG BANK

Newspaper:

Federal Register:

* 3A1

* 3A3

01/27/2006

01/27/2006

New York Community Bancorp, Inc. and its

wholly- owned subsidiary, New York

Community Newco, Inc., both of Westbury,

NY, to acquire 100 percent of Atlantic Bank of

New York, New York, NY, pursuant to

Sections 3(a)(3) and 3(a)(1) of the BHC Act.

NEW YORK COMMUNITY

BANCORP, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Export-Import Bank of Ukraine ("EXIM

Bank")Kiev, Ukraine, to establish a

representative office in New York, New York,

pursuant to Section 10(a) of the International

Banking

Act of 1978, as amended, and Section

211.24(a)(1) of Regulation K.

STATE EXPORT-IMPORT

BANK OF UKRAINE, INC.

* 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 January 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Minotola National Bank, Vineland, NJ, to

merge with and into Susquehanna Patriot

Bank, Marlton, NJ.

SUSQUEHANNA PATRIOT

BANK

* 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 January 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

American National Bankshares Inc., Danville,

Virginia, to acquire 100% of the voting

securities of Community First Financial

Corporation, Lynchburg, Virginia, and thereby

indirectly acquire Community First Bank,

Lynchburg, Virginia.

AMERICAN NATIONAL

BANKSHARES INC.

Newspaper:

Federal Register:

* 3A5

Not available

FNB Corp., Asheboro, North Carolina, to 01/23/2006

acquire 100% of Integrity Financial

Corporation, Hickory, North Carolina, and

thereby indirectly acquire First Gaston Bank of

North Carolina, Gastonia, North Carolina

(prior to the acquisition, Integrity Financial

Corporation's other existing banking

subsidiary, Catawba Valley Bank, Hickory,

North Carolina, would be merged with and

into First Gaston Bank of North Carolina).

FNB Corp. also proposes to acquire Integrity

Financial Corporation's nonbanking

subsidiaries, Integrity Securities, Inc., and

Community Mortgage Corporation of North

Carolina, both of Hickory, North Carolina.

FNB CORP.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Virginia Community Bank, Louisa, Virginia,

proposes to establish a branch at 3009 River

Road West, Goochland County, Virginia.

VIRGINIA COMMUNITY

BANK

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Waccamaw Bank, Whiteville, North Carolina,

to merge with The Bank of Heath Springs,

Heath Springs, South Carolina.

WACCAMAW BANK

* 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 January 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

AmSouth Bank, Birmingham, Alabama, to 01/30/2006

establish branches at the following locations:

the intersection of US Highway 27 and Berry

Town Center Boulevard, Davenport, Florida, to

be known as the Berry Town Center Branch;

Odum Road at Odum Circle, Gardendale,

Alabama, to be known as the Gardendale

Branch; and S.R. 436 & Hunt Club Boulevard,

Apopka, Florida, to be known as the Hunt Club

Branch.

AMSOUTH BANK

Newspaper:

Federal Register:

* 3A1 02/11/2006

02/17/2006

Floridian Financial Group, Inc., Ormond

Beach, Florida, to become a bank holding

company by acquiring 100 percent of the

outstanding shares of Floridian Bank, Ormond

Beach, Florida (in organization).

FLORIDIAN FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 01/19/2006

establish a branch located at 300 Block Hester

Drive, Harrison, Arkansas.

REGIONS BANK

Newspaper:

Federal Register:

CIC Not available

02/06/2006

Sequatchie County Bancorp, Inc., Dunlap,

Tennessee, prior change in control notice filed

by David F. Barker, Kyle D. Barker, Julia K.

Barker, all of Dunlap, Tennessee, and Dorris

B. Birchett, Cohutta, Georgia, to collectively

acquire 2.75 percent of the outstanding shares

of Sequatchie County Bancorp, Inc., and its

subsidiary, Mountain Valley Bank, both of

Dunlap, Tennessee. Pro forma ownership for

the group will be 14.53 percent.

SEQUATCHIE COUNTY

BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Sterling Bank, Lantana, Florida, to establish a 02/13/2006

branch located at 399 West Palmetto Park

Road, Boca Raton, Florida.

STERLING BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 01/26/2006

a branch located at 1735 S. Park Street,

Carrollton, Georgia, to be known as the

Carrollton Wal-Mart Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 01/30/2006

a branch located at 8700 University Place

Executive Park Drive, Charlotte, North

Carolina, to be known as the University Place

Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 01/29/2006

branches at the following locations: 1450

Johns Lake Road, Clermont, Florida, to be

known as the Clermont Wal-Mart Money

Center Office; and 11201 Nuckols Road, Glen

Allen, Virginia, to be known as the Hickory

Park 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 January 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Member

01/20/2006

01/03/2006

AJJ Bancorp, Inc., Elkader, Iowa, to acquire

100 percent of the voting shares of Corridor

State Bank (in organization), Coralville, Iowa,

and for Corridor State Bank (in organization),

Coralville, Iowa, to become a member in the

Federal Reserve System.

AJJ BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

02/06/2006

Capitol Bancorp, Ltd., Lansing, Michigan, to

acquire 51 percent of the voting shares of Bank

of Valdosta (in organization), Valdosta,

Georgia.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A1 Not available

02/10/2006

Exchange Financial, Inc., Adair, Iowa, to

become a bank holding company by acquiring

100 percent of Exchange State Bank, Adair,

Iowa.

EXCHANGE FINANCIAL, INC.

Newspaper:

Federal Register:

* 3A3 Not available

02/16/2006

FBOP Corporation, Oak Park, Illinois, to

acquire greater than 50 percent of the voting

shares of Community Bank of Lemont,

Lemont, Illinois.

FBOP CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

* 18C

* Branch

02/10/2006

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

acquire 100 percent of the voting shares of

Bank Calumet, Inc., Hammond, Indiana, and

thereby indirectly acquire Bank Calumet,

National Association, Hammond, Indiana, and

by First Midwest Bank, Itasca, Illinois, to

merge with Bank Calumet, National

Association, Hammond, Indiana, and thereby

to establish 31 branches.

FIRST MIDWEST BANCORP,

INC.

Newspaper:

Federal Register:

* 3A1 Not available

02/17/2006

First National Bancorp, Inc., Kalamazoo,

Michigan, to become a bank holding company

by acquiring 100 percent of the voting shares

of First National Bank of Michigan (in

organization), Kalamazoo, Michigan.

FIRST NATIONAL BANCORP,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Johnson Bank, Racine, Wisconsin, to establish 01/23/2006

a branch facility to be located at 119 Martin

Luther King Jr. Boulevard, Madison,

Wisconsin.

JOHNSON BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 01/29/2006

Wisconsin, to merge with Gold Bank,

Leawood, Kansas, and thereby establish 33

branches.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Marquette National Corporation, Chicago,

Illinois, to acquire 100 percent of the voting

shares of Hemlock Federal Financial

Corporation, Oak Forest, Illinois, and thereby

indirectly acquire Hemlock Federal Bank for

Savings, Oak Forest, Illinois, and thereby

operate a savings association.

MARQUETTE NATIONAL

CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending January 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

02/21/2006

Marshall & Ilsley Corporation, Milwaukee,

Wisconsin, to acquire 100 percent of the voting

shares of Trustcorp Financial, Inc., St. Louis,

Missouri, and thereby indirectly acquire

Missouri State Bank and Trust Company,

Clayton, Missouri.

MARSHALL & ILSLEY

CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

12-day Notice - Mid-Iowa Bancshares Co.,

Algona, Iowa, proposes to engage in extending

credit and servicing loans pursuant to Section

225.28(b)(1) of Regulation Y.

MID-IOWA BANCSHARES CO.

Newspaper:

Federal Register:

CIC Not available

01/10/2006

Notice by Jay Elliot Bell, Chicago, Illinois, to

retain control of 79.6 percent of Rochester

State Bankshares, Inc., Rochester, Illinois, and

thereby retain indirect control of Rochester

State Bank, Rochester, Illinois.

ROCHESTER STATE

BANKSHARES, INC.

Newspaper:

Federal Register:

CIC 01/26/2006

01/31/2006

Notice by Renee A. Brouwer and William R.

Brouwer, both of Oak Lawn, Illinois, to retain,

as a group acting in concert, 10 percent or

more of the outstanding voting shares of

TeamCo., Inc., Oak Lawn, Illinois, and thereby

indirectly retain control of Oak Lawn Bank,

Oak Lawn, Illinois, and the related notice by

Renee A. Brouwer, to individually retain 10

percent or more of the outstanding voting

shares of TeamCo., Inc., Oak Lawn, Illinois,

and thereby indirectly retain control of Oak

Lawn Bank, Oak Lawn, Illinois.

TEAMCO, INC.

Newspaper:

Federal Register:

* 3A5 Not available

02/17/2006

Wintrust Financial Corporation, Lake Forest,

Illinois, to acquire 100 percent of the

outstanding stock of Hinsbrook Bancshares,

Inc., Willowbrook, Illinois, and thereby

acquire Hinsbrook Bank and Trust,

Willowbrook, Illinois.

WINTRUST FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Wintrust Financial Corporation, Lake Forest,

Illinois, to acquire 100 percent of the voting

shares of Old Plank Trail Community Bank,

National Association (in organization), New

Lenox, Illinois.

WINTRUST FINANCIAL

CORPORATION

* 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

596848 AMERICAN T&SB, DUBUQUE, IOWA 09/26/2005 01/02/2006 S Int Sm Bank

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 January 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 02/01/2006

establish a branch facility to be located at 1818

S. Main Street, Grove, Oklahoma.

ARVEST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 02/01/2006

establish a branch facility to be located at 123

Branson Landing Boulevard, Branson,

Missouri.

ARVEST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Farmers Bank & Trust Company, Blytheville, 02/04/2006

Arkansas, to establish a branch facility to be

located at 4007 Hillsboro Road, Nashville,

Tennessee.

FARMERS BANK AND TRUST

COMPANY

Newspaper:

Federal Register:

* 3A3 02/07/2006

02/10/2006

First National Bancorp, Inc., Green Forest,

Arkansas ("Bancorp"), to acquire additional

shares of Legacy National Bank, Springdale,

Arkansas ("Bank"). The acquisition will result

in Bancorp retaining ownership of up to 9.99

percent of Bank's stock.

FIRST NATIONAL 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 January 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

02/03/2006

Watford City Bancshares, Inc., Watford City,

North Dakota, to acquire 100 percent of Elgin

Bancshares, Inc., Elgin, North Dakota and

thereby indirectly acquire Farmers State Bank,

Elgin, North Dakota.

WATFORD CITY

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 January 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Citizens Bancshares Employee Stock

Ownership Plan, Edmond, Oklahoma, to

acquire up to 40 percent of the issued and

outstanding shares of the common stock of

Citizens Bancshares, Inc., Edmond, Oklahoma,

parent of Citizens Bank of Edmond, Edmond,

Oklahoma.

CITIZENS BANCSHARES,

INC., ESOP

Newspaper:

Federal Register:

CIC 01/17/2006

02/01/2006

Notice by Steven D. Carr, as trustee of Wheeler

Trust #2099, Wichita, Kansas; and Steven D.

Carr, Wichita, Kansas; Michael D. Carr,

Leawood, Kansas; Terry L. Carr, Wichita,

Kansas; Douglas D. Carr, Andover, Kansas;

and Bobby D. Carr, Wichita, Kansas; acting as

individuals and a group acting in concert, to

acquire control of Community State

Bancshares, Inc., parent of Community Bank

of Wichita, both in Wichita, Kansas.

COMMUNITY STATE

BANCSHARES,

INCORPORATED

Newspaper:

Federal Register:

* 3A1 Not available

02/10/2006

Hulett Holding Company, to become a bank

holding company through the acquisition of

100 percent of the voting shares of Summit

National Bank, both in Hulett, Wyoming.

HULETT HOLDING COMPANY

* 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

154257 CENTENNIAL BK, CENTENNIAL, COLORADO 09/19/2005 12/02/2005 S Small Bank

85052 UINTA CTY ST BK, MOUNTAIN VIEW, WYOMING 10/11/2005 12/28/2005 SN Small Bank

420653 VALLEY ST BK, SYRACUSE, KANSAS 09/20/2005 12/01/2005 S Small Bank

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 January 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* 5D3

* Branch

Not applicable

East West Bank, San Marino, California, to

merge with Standard Bank, F.S.B, Monterey

Park, California, and thereby acquire six

branch offices of Standard Bank, all located in

California.

EAST WEST BANK

Newspaper:

Federal Register:

CIC 02/02/2006

02/06/2006

Notice by Woosung (Edward) Park to retain his

ownership in Pacific International Bancorp,

Inc., and thereby indirectly retain his

ownership in Pacific International Bank, both

of Seattle, Washington.

PACIFIC INTERNATIONAL

BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 02/10/2006

02/21/2006

Wells Fargo & Company, San Francisco,

California, to acquire 100 percent of Fremont

National Bank of Canon City, Canon City,

Colorado, and 100 percent of Centennial Bank

of Pueblo, Pueblo, Colorado.

WELLS FARGO & COMPANY

* 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