Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 6

Week Ending February 11, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions February 5, 2006 to February 11, 2006

Enforcement

Gulf Bank, Miami, Florida -- issuance of a consent order of prohibition against 

Mayra Cuellar, a former institution-affiliated party.

- Announced, February 7, 2006 

Regulations And Policies

Monetary Policy -- report to Congress.

- Authorized, February 9, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
February 5, 2006 to February 11, 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

AmSouth Bank, Birmingham, Alabama -- to establish branches at the intersections 

of US Highway 27 and Berry Town Center Boulevard, Davenport, Florida; S.R. 436 

and Hunt Club Boulevard, Apopka; and Odum Road and Odum Circle, Gardendale, 

Alabama.

- Approved, February 6, 2006 

Atlanta

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 123 Branson Landing 

Boulevard, Branson, Missouri.

- Approved, February 6, 2006 

St. Louis

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 1818 South Main 

Street, Grove, Oklahoma.

- Approved, February 6, 2006 

St. Louis

County Bank, Merced, California -- to establish a branch at 2033 Gateway Place, 

San Jose.

- Approved, February 9, 2006 

San Francisco

Farmers Bank and Trust Company, Blytheville, Arkansas -- to establish a branch at 

4007 Hillsboro Road, Nashville, Tennessee, and to make an additional investment 

in bank premises.

- Approved, February 8, 2006 

St. Louis

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 14585 Hazel 

Dell Parkway, Carmel, Indiana.

- Approved, February 10, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority February 5, 2006 to February 11, 2006

Bank Branches, Domestic

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

limited branch at 505 Duke Road, Cheektowaga.

- Approved, February 9, 2006 

New York

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 2900 

Peachtree Road Northeast, Suite 102, Atlanta, Georgia.

- Approved, February 9, 2006 

Richmond

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 3155 

Cobb Parkway Southeast, Suite 100, Atlanta, Georgia.

- Approved, February 9, 2006 

Richmond

Bank Holding Companies

America West Bank Members, LC, Layton, Utah -- temporary relief from certain 

commitments.

- Granted, February 7, 2006 

San Francisco

First National Bank in Port Lavaca, Port Lavaca, Texas -- waiver of application in 

connection with the acquisition of Seaport Bank, Seadrift.

- Granted, February 9, 2006 

Dallas

Hulett Holding Company, Hulett, Wyoming -- to become a bank holding company 

and to acquire Summit National Bank.

- Withdrawn, February 9, 2006 

Kansas City

Prosper Bancshares, Inc., Dallas, Texas, and Prosper Delaware Financial Corp., 

Dover, Delaware -- to become bank holding companies and to acquire Prosper State 

Bank, Prosper, Texas.

- Approved, February 7, 2006 

Dallas

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority February 5, 2006 to February 11, 2006

Bank Holding Companies

Prosperity Bancshares, Inc., Houston, Texas -- waiver of application to acquire SNB 

Bancshares, Inc., Sugar Land, in connection with the merger of their subsidiaries, 

Prosperity Bank, El Campo, and Southern National Bank of Texas, Sugar Land.

- Granted, February 6, 2006 

Dallas

Santa Lucia Bancorp, Atascadero, California -- to become a bank holding company 

and to acquire Santa Lucia Bank.

- Approved, February 6, 2006 

San Francisco

Watford City Bancshares, Inc., Watford City, North Dakota -- to acquire Elgin 

Bancshares, Inc., Elgin, and its subsidiary, Farmers State Bank.

- Approved, February 10, 2006 

Minneapolis

Banks, Foreign

Anglo Irish Bank Corporation plc, Dublin, Ireland -- waiver of remainder of 

notification period to establish representative offices in New York, New York, and 

Boston, Massachusetts.

- Granted, February 9, 2006 

Director, BS&R

Banco Popular Espanol, S.A., Madrid, Spain -- to establish a representative office in 

Miami, Florida.

- Approved, February 8, 2006 

Director, BS&R

Change In Bank Control

Community State Bancshares, Incorporated, Wichita, Kansas -- change in bank 

control.

- Permitted, February 10, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority February 5, 2006 to February 11, 2006

Change In Bank Control

DBT Financial Corporation, DeWitt, Arkansas -- to retain control of DBT Financial 

Corporation.

- Permitted, February 10, 2006 

St. Louis

Morgantown Bancshares, Inc., Morgantown, West Virginia -- to retain control of 

Morgantown Bancshares, Inc.

- Permitted, February 10, 2006 

Richmond

Northern Bancorp, Inc., Woburn, Massachusetts -- change in bank control.

- Permitted, February 6, 2006 

Boston

Competitive Factors Reports

Citizens Bank & Savings Company, Russellville, Alabama -- report on competitive 

factors of the proposed merger with Farmers Bank, Cornersville, Tennessee.

- Submitted, February 10, 2006 

Atlanta

First State Bank, Loomis, Nebraska -- report on competitive factors of the proposed 

purchase of certain assets and assumption of certain liabilities of the Alma branch of 

York State Bank and Trust Company, York.

- Submitted, February 7, 2006 

Kansas City

The First State Bank, Norton, Kansas -- report on competitive factors of the 

proposed merger with The First National Bank of Hoxie, Hoxie.

- Submitted, February 6, 2006 

Kansas City

Northway Bank, Berlin, New Hampshire -- report on competitive factors of the 

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

Tilton and Belmont branches of Washington Mutual Bank, Henderson, Nevada.

- Submitted, February 6, 2006 

Boston

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority February 5, 2006 to February 11, 2006

Competitive Factors Reports

Sussex Bank, Franklin, New Jersey -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of the Port Jervis branch of NBT 

Bank, National Association, Norwich, New York.

- Submitted, February 9, 2006 

New York

Union Bank and Trust Company, Lincoln, Nebraska -- report on competitive factors 

of the proposed merger with Commercial State Bank of Bonner Springs, Bonner 

Springs, Kansas.

- Submitted, February 9, 2006 

Kansas City

United Prairie Bank, Mountain Lake, Minnesota -- report on competitive factors of 

the proposed merger with United Prairie Bank, Jackson; United Prairie Bank, 

Madison; United Prairie Bank, New Ulm; United Prairie Bank, Owatonna; United 

Prairie Bank, Slayton; and United Prairie Bank, Spicer.

- Submitted, February 10, 2006 

Minneapolis

Extensions Of Time

First Banks, Inc., Hazelwood, Missouri -- extension to May 8, 2006, to acquire an 

additional 10.09 percent, for a total of 24.99 percent, of the shares of Community 

West Bancshares, Goleta, California, and thereby acquire Community West Bank, 

National Association.

- Granted, February 6, 2006 

St. Louis

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to May 5, 2006, 

to establish a branch at the intersection of Power and McDowell Roads, Mesa, 

Arizona.

- Granted, February 6, 2006 

Chicago

Southwest Bank of St. Louis, St. Louis, Missouri -- extension to May 5, 2006, to 

establish a branch at the intersection of Clarkson and Clayton Roads, Ellisville.

- Granted, February 6, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority February 5, 2006 to February 11, 2006

Extensions Of Time

SuffolkFirst Bank, Suffolk, Virginia -- extension to August 25, 2006, to establish a 

branch at out-parcel No. 4, Hill Shopping Center, Bennet's Creek Crossing.

- Granted, February 8, 2006 

Richmond

Financial Holding Companies

CB Bancorp, Inc., Higginsport, Ohio -- election to become a financial holding 

company.

- Effective, February 9, 2006 

Cleveland

Membership

Lake City Bank, Warsaw, Indiana -- to become a member of the Federal Reserve 

System.

- Approved, February 10, 2006 

Secretary

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

Federal Reserve Bank of Boston

Filings received during the week ending February 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 02/27/2006

Application by Wessagussett Mutual Holding

Company and Wessagussett Bancorp, Inc.,

both of Weymouth, Massachusetts, to become a

mutual bank holding company and a stock

bank holding company, respectively

(collectively, the Applicants), by acquiring

Weymouth Bank, Weymouth, Massachusetts,

pursuant to sections 3(a)(1) and 3(a)(3) of the

Bank Holding Company Act of 1956, as

amended.

WESSAGUSSETT MUTUAL

HOLDING COMPANY

* 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 February 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Sleepy Hollow Bank, Sleepy 02/24/2006

Hollow, New York to retain branch offices at

the following three locations: 634-638 Yonkers

Avenue, Yonkers, Westchester County, New

York; 777 Palisade avenue, Yonkers,

Westchester County, New York and 1 Kendal

Way, Sleepy Hollow, Westchester County, New

York.

SLEEPY HOLLOW BANK

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 February 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

03/09/2006

Orrstown Financial Services, Inc.,

Shippensburg, PA, to acquire The First

National Bank of Newport, Newport, PA

ORRSTOWN FINANCIAL

SERVICES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

4c8 03/13/2006

Tower Bancorp, Inc., Greencastle, PA, to

acquire FNB Financial Corporation,

McConnellsburg, and its wholly own

subsidiary, The First National Bank of

McConnellsburg, McConnellsburg, PA.

TOWER BANCORP INC.

* 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 February 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

Enterprise Financial Services Group, Inc.,

Allison Park, Pennsylvania, to acquire 100

percent of the Class A Common Stock of

Enterprise Bank, Allison Park, Pennsylvania,

and thus become a bank holding company.

Subsequently, Enterprise Employee Stock

Ownership Plan, Allison Park, Pennsylvania

wwould acquire 22 percent of the Class A

Common Stock of Enterprise Financial

Services Group, and also become a bank

holding company

ENTERPRISE EMPLOYEE

STOCK OWNERSHIP TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 11/25/2005

establish a branch facility at 14585 Hazel Dell

Parkway, Carmel, Indiana

FIFTH THIRD BANK

* 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 February 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

4c8

01/23/2006

02/24/2006

FNB Corp., Asheboro, North Carolina, to

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 applicable

The Marathon Bank, Winchester, Virginia, 02/22/2006

proposes to establish a branch at 33604 Old

Valley Pike, Strasburg, Virginia.

MARATHON BANK, THE

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Virginia Heritage Bank, Fairfax, Virginia,

requests permission to provide courier services

to pick up noncash deposits from business

customers.

VIRGINIA HERITAGE 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 February 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

AmSouth Bank, Birmingham, Alabama, to 02/24/2006

establish branches at the following locations: at

the intersection of Highway 98 and Beckrich

Road, Panama City, Florida, to be known as

the Beach Branch; 2587 S. County Highway

395, Santa Rosa Beach, Florida, to be known

as the Seagrove Beach Branch; intersection of

State Road 674 and US Highway 301, Sun City

Center, Florida, to be known as the Sun City

Center Branch; 7799 North Wickham Road,

Melbourne, Florida, to be known as the

SunTree Branch; and at the intersection of

Steed Road and Highland Colony Parkway, to

be known as the Steed Road Ranch.

AMSOUTH BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Riverside Bank of the Gulf Coast, Cape Coral, 02/08/2006

Florida, to establish a branch located at 2103

Santa Barbara Boulevard, Cape Coral, Florida.

RIVERSIDE BANK OF THE

GULF COAST

Newspaper:

Federal Register:

CIC Not available

02/27/2006

Southeastern Bank Financial Corporation,

Augusta, Georgia, after-the-fact change in

control notification filed by the Pollard Family

Group (Jennie Floyd Pollard, Robert W.

Pollard, Jr., Patricia D. Pollard, Zachary

Duncan Pollard, Ann Elizabeth Pollard,

Richard Daniel Blanton, Patricia Pollard

Blanton, Thomas Vinson Blanton, II, Jennie

Briggs Blanton, Clayton Edward Blanton, Lee

Blanton West, Levi Anderson Pollard, V, Levi

Anderson Pollard, VI, Lucy Ann Pollard,

Pollard Land Company, all of Appling,

Georgia, and Robert William Pollard, III,

Evans, Georgia, Richard Daniel Blanton, Jr.,

Carrollton, Georgia, Lynn Pollard Nickerson

and Paul Rush Battle, both of Atlanta, Georgia,

and RWP, Sr. Enterprises, LLLP, Appling,

Georgia, Robert W. Pollard, Jr., Patricia

Pollard Blanton, Levi Anderson Pollard, V,

and Lynn Pollard Nickerson, general partners),

to retain 47.9 percent of Southeastern Bank

Financial Corporation, and its subsidiary bank,

Georgia Bank & Trust, both of Augusta,

Georgia.

SOUTHEASTERN BANK

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 02/20/2006

branches at the following locations: 1880 W.

County Road 419, Oviedo, Florida, to be

known as the Oviedo River Oaks Office; and

4935 E. Irlo Bronson Memorial Highway, St.

Cloud, Florida, to be known as the East St.

Cloud Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Filings received during the week ending February 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

Upper Cumberland Bancshares, Inc., and its 02/26/2006

parent company, Employee Stock Ownership

Trust of People's Bank and Trust Company of

Pickett County, both of Byrdstown, Tennessee,

to acquire 100 percent of the outstanding

shares of People's Bank and Trust Company of

Clinton County, Albany, Kentucky (in

organization).

UPPER CUMBERLAND

BANCSHARES, INC.

* 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 February 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

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:

* 3A3 02/10/2006

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:

* 4c8 Not available

03/06/2006

Mainsource Financial Group, Inc., Greensburg,

Indiana, to acquire 100 percent of the voting

shares of HFS Bank, F.S.B., Hobart, Indiana,

and thereby operate a savings association.

MAINSOURCE FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 4c8 03/09/2006

MainSource Financial Group, Inc.,

Greensburg, Indiana, to merge with Peoples

Ohio Financial Corporation, Troy, Ohio, and

thereby indirectly acquire Peoples Savings

Bank of Troy, Troy, Ohio, and thereby operate

a savings association.

MAINSOURCE FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Midwest Bank and Trust Company, Elmwood 02/23/2006

Park, Illinois, to establish a branch facility to

be located at 9668 Franklin Avenue, Franklin

Park, Illinois.

MIDWEST BANK AND TRUST

COMPANY

Newspaper:

Federal Register:

CIC Not available

02/28/2006

Notice by Mark B. Richardson, Thetford

Center, Vermont, to increase its ownership to

28 percent of Oakwood Bancorp, Inc.,

Springfield, Illinois, and thereby indirectly

increase ownership of United Community

Bank, Oakwood, Illinois.

OAKWOOD BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Pacific Global Bank, Chicago, Illinois, to 02/16/2006

establish a branch facility to be located at 3233

South Ashland, Chicago, Illinois.

PACIFIC GLOBAL BANK

Newspaper:

Federal Register:

* 3A3 Not available

03/03/2006

Stark Bank Group, Ltd., Fort Dodge, Iowa, to

merge with Pelican Financial, Inc., Ann Arbor,

Michigan, and thereby indirectly acquire

Pelican National Bank, Naples, Florida.

STARK BANK GROUP, LTD.

* 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 February 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Rogers, Rogers, Arkansas, to establish 02/15/2006

a branch facility to be located at 211 East

Pleasant Grove Road, Lowell, Arkansas.

BANK OF ROGERS

* 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 February 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/01/2006

Change in control notice by Katherine Buland,

Waseca, Minnesota; Elizabeth Danger, Prior

Lake, Minnesota; Ann Gaytko, Waseca,

Minnesota; James Sankovitz, Chaska,

Minnesota; and Thomas Sankovitz, Waseca,

Minnesota, a group acting in concert, to

acquire control of Frankson Investment

Corporation, Waseca, Minnesota, and thereby

indirectly acquire control of The First National

Bank of Waseca, Waseca, Minnesota.

FRANKSON INVESTMENT

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

03/03/2006

Salish and Kootenai Bancorporation, Polson,

Montana, to become a bank holding company

by acquiring 100 percent of the capital stock of

Eagle Bank, Polson, Montana, a de novo bank.

SALISH AND KOOTENAI

BANCORPORATION

* 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 February 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Jackson Hole, Jackson, Wyoming, to 02/20/2006

establish a branch at 807 West Pine, Pinedale,

Wyoming.

BANK OF JACKSON HOLE

Newspaper:

Federal Register:

* Branch

Not applicable

Community Banks of Colorado, Greenwood 02/20/2006

Village, to establish a branch at 10 Crested

Butte Way, Mt. Crested Butte, both in

Colorado.

COMMUNITY BANKS OF

COLORADO

Newspaper:

Federal Register:

* Branch

Not applicable

First Community Bank, Taos, New Mexico, to 02/17/2006

establish a branch at 3600 Mitchell Drive,

Suite 50-B, Fort Collins, Colorado.

FIRST COMMUNITY BANK

Newspaper:

Federal Register:

* 3A3 Not available

03/02/2006

First Fidelity Bancorp, Inc., Oklahoma City,

Oklahoma, to acquire 100 percent of the voting

shares of First Fidelity Bank, N.A., Phoenix,

Arizona (in organization).

FIRST FIDELITY BANCORP,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

03/06/2006

First Muskogee Financial Corporation,

Muskogee, Oklahoma, to acquire 100 percent

of the voting shares of First Financial

Bancshares, Inc., Roland, Oklahoma, parent of

First National Bank of Sallisaw, Sallisaw,

Oklahoma.

FIRST MUSKOGEE

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

First State Bank, Lincoln, Nebraska, to merge 02/28/2006

with Bank of Yutan, Yutan, Nebraska, and

incident thereto, to establish a branch.

FIRST STATE BANK

Newspaper:

Federal Register:

* 3A3 03/03/2006

03/10/2006

Home State Bancorp, to retain 100 percent of

the voting shares of Loveland Securities, Inc.,

parent of Home State Bank, all in Loveland,

Colorado.

HOME STATE BANCORP

Newspaper:

Federal Register:

* 3A3 03/10/2006

03/10/2006

RCB Holding Company, Inc., Claremore,

Oklahoma, to acquire 100 percent of the voting

shares of Pioneer Bancshares, Inc., parent of

Pioneer Bank and Trust, both in Ponca City,

Oklahoma; and Bank of Nichols Hills,

Oklahoma City, Oklahoma.

RCB HOLDING COMPANY,

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 February 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Frontier Bancshares, Inc., Austin, Texas, and

Frontier BN, Inc., Henderson, Nevada, to

become bank holding companies by acquiring

100 percent of The First National Bank of

Holland, Holland, Texas.

FRONTIER BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A5 Not available

03/10/2006

Texas Independent Bancshares, Inc., Texas

City, Texas, and T.I.B. Delaware, Inc.,

Wilmington, Delaware, to acquire by merger

Southeast Bancorp of Texas, Inc., Winnie,

Texas, and indirectly acquire SEBOT, Inc.,

Wilmington, Delaware, and Gulf Coast Bank,

Winnie, Texas.

TEXAS INDEPENDENT

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 February 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

eBank Corporation, Tokyo, Japan, to establish

a representative office in San Francisco,

California, pursuant to Section 10(a) of the

International Banking Act.

eBank Corporation

Newspaper:

Federal Register:

CIC Not available

02/22/2006

Notice by Lanza Family Group, consisting of

David W. Lanza, Roy E. Lanza, David W.

Lanza Trust, Roy and Sondra Lanza Family

Trust, Colusa Motor Sales, Inc., Hust Brothers,

Inc., Marysville Auto Parts, Inc., and Yuba

Street Ventures, LLC, all of Marysville,

California, to increase their ownership of Gold

Country Financial Services, Inc., and thereby

indirectly increase their ownership of Gold

Country Bank, N.A., both of Marysville,

California.

GOLD COUNTRY FINANCIAL

SERVICES, 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act