Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 53

Week Ending December 31, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 25, 2005 to December 31, 2005

Regulations And Policies

Regulation E (Electronic Fund Transfers) -- final amendments to the regulation and 

official staff commentary on electronic check conversions, preauthorized transfers 

from accounts, error resolutions, and ATM disclosures, and interim final rule with 

request for comment on payroll card accounts (Docket Nos. R-1210, R-1234, and R1247).

- Approved, December 19, 2005 (AC)

(AC) = Addition or Correction Board - Page 1 of 1
December 25, 2005 to December 31, 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

AmSouth Bank, Birmingham, Alabama -- to establish branches at the intersection of 

County Road 540A and Lakeland Highlands Road, Lakeland, Florida; the 

intersection of Vanderbilt Beach Road and Collier Boulevard, Naples; 4710 Bayou 

Boulevard, Pensacola; the intersection of Bonita Beach Road and Trade Way Two, 

Bonita Springs; the intersection of Herschel and Margaret Streets, Jacksonville; the 

intersection of State Road 64 and Lakewood Ranch, Bradenton; Cattlemen Road, 

south of its intersection with Bee Ridge Road, Sarasota; and 1501 West Jackson 

Avenue, Oxford, Mississippi. 

- Approved, December 27, 2005 

Atlanta

Bank of Hawaii, Honolulu, Hawaii -- to establish a branch at 94-673 Kupuohi 

Street, Waipahu.

- Approved, December 28, 2005 

San Francisco

Bank of Sacramento, Sacramento, California -- to establish a branch at 1415 L 

Street, Suite 100.

- Approved, December 29, 2005 

San Francisco

Cross County Bank, Wynne, Arkansas -- to establish a temporary branch at 2212 

Fowler Avenue, Suite B, Jonesboro.

- Approved, December 29, 2005 

St. Louis

Cross County Bank, Wynne, Arkansas -- to establish a branch at 900 Enterprise 

Drive, Jonesboro.

- Approved, December 29, 2005 

St. Louis

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 6403 Branch Hill 

Guinea Pike, Loveland.

- Approved, December 30, 2005 

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority December 25, 2005 to December 31, 2005

Bank Branches, Domestic

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 5627 South 

U.S. 41, Terre Haute, Indiana.

- Approved, December 30, 2005 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 62 54th Street.

- Approved, December 30, 2005 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 510 South 

Sutton Street, Streamwood, Illinois.

- Approved, December 30, 2005 

Cleveland

Bank Holding Companies

Alabama National BanCorporation, Birmingham, Alabama -- to merge with Florida 

Choice Bankshares, Inc., Mount Dora, Florida, and thereby acquire Florida Choice 

Bank.

- Approved, December 30, 2005 

Secretary

Alpine Banks of Colorado, Glenwood Springs, Colorado -- waiver of filing 

requirements in connection with the application by Alpine Bank to merge with First 

National Bank, Telluride, a subsidiary of First Colorado Bankshares, Inc.

- Granted, December 29, 2005 

Kansas City

First Internet Bancorp, Indianapolis, Indiana -- to become a bank holding company 

and to acquire First Internet Bank of Indiana.

- Approved, December 28, 2005 

Chicago

Indiana Bank Corp., Terre Haute, Indiana -- to become a bank holding company and 

to acquire The First National Bank of Dana, Dana.

- Approved, December 29, 2005 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority December 25, 2005 to December 31, 2005

Bank Holding Companies

Oregon Coast Bancshares, Inc., Newport, Oregon -- to become a bank holding 

company and to acquire Oregon Coast Bank.

- Approved, December 28, 2005 

San Francisco

Reliance Bancshares, Inc., Des Peres, Missouri -- to acquire Reliance Bank, FSB, 

Fort Meyers, Florida, a de novo savings bank, and thereby engage in operating a 

savings association.

- Approved, December 30, 2005 

St. Louis

Bank Mergers

First Bank, St. Louis, Missouri -- to purchase certain assets and assume certain 

liabilities of the Richardson, Texas, branch of Dallas National Bank, Dallas, and to 

retain the acquired facility as a branch.

- Approved, December 29, 2005 

St. Louis

Bank Premises

Cross County Bank, Wynne, Arkansas -- to increase its investment in bank premises.

- Approved, December 29, 2005 

St. Louis

Change In Bank Control

American State Bank Holding Company, Inc., Williston, North Dakota -- change in 

bank control.

- Permitted, December 29, 2005 

Minneapolis

First Fidelity Bancorp, Inc., Oklahoma City, Oklahoma -- change in bank control.

- Permitted, December 30, 2005 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority December 25, 2005 to December 31, 2005

Competitive Factors Reports

First Community Bank, Lee's Summit, Missouri -- report on competitive factors of 

the proposed merger with Farmers State Bank of Corning, Corning, Kansas.

- Submitted, December 29, 2005 

Kansas City

The First National Bank of Centralia, Centralia, Kansas -- report on competitive 

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

liabilities of the Corning branch of The Farmers State Bank of Corning, to be known 

as First Community Bank, Lee's Summit, Missouri.

- Submitted, December 28, 2005 

Kansas City

Madison Bohemian Savings Bank, Forest Hill, Maryland -- report on competitive 

factors of the proposed merger with The Back and Middle River Federal Savings 

and Loan Association, Essex.

- Submitted, December 28, 2005 

Richmond

The Summit National Bank, Atlanta, Georgia -- report on competitive factors of the 

proposed merger with Concord Bank, National Association, Houston, Texas.

- Submitted, December 29, 2005 

Atlanta

Extensions Of Time

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

Wilmington, Delaware -- extension to February 20, 2006, to acquire by merger 

Bosque Corporation, Meridian, Texas, and thereby acquire Bosque County Bank.

- Granted, December 28, 2005 

Dallas

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

Wilmington, Delaware -- extension to March 4, 2006, to acquire Lake Area 

National Bank, Trinity, Texas.

- Granted, December 28, 2005 

Dallas

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority December 25, 2005 to December 31, 2005

Financial Holding Companies

Lindoe, Inc., Ordway, Colorado -- election to become a financial holding company.

- Effective, December 28, 2005 

Kansas City

Luzerne National Bank Corporation, Luzerne, Pennsylvania -- election to become a 

financial holding company.

- Effective, December 29, 2005 

Philadelphia

(AC) = Addition or Correction Delegated - Page 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending December 31, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Notification by Anglo Irish Bank Corporation

plc, Dublin, Ireland to incorporate its existing

Boston and New York representative offices.

Anglo Irish Bank Corporation plc

Newspaper:

Federal Register:

* 3A1 01/21/2006

01/27/2006

First Connecticut Bancorp, Inc., Farmington,

Connecticut to become a bank holding

company in connection with the reorganization

of Farmington Savings Bank, Farmington,

Connecticut into the mutual bank holding

company structure.

First Connecticut Bancorp, Inc.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice pursuant to the Change in Bank Control

Act of 1978 by the Dorothy Mawn Family

Children's Trust to become part of a group of

related family interests (the "Dorothy Mawn

Group") that collectively controls greater than

25% of Northern Bancorp, Inc., Woburn,

Massachusetts. 

NORTHERN 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 December 31, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Bay View Capital Corporation, San Maeto,

California, to become a bank holding company

by acquiring 100 percent of the voting shares

of Great Lakes Bancorp, Buffalo, New York

and thus, Greater Buffalo Savings Bank,

Buffalo, New York.

BAY VIEW CAPITAL

CORPORATION

Newspaper:

Federal Register:

* 3A1 12/25/2005

01/06/2006

Community Partners Bancorp, Middletown,

New Jersey, to become a bank holding

company through the acquisition of 100

percent of the voting shares of Two River

Community Bank, Middletown, New Jersey

and The Town Bank, Westfield, New Jersey,

pursuant to Section 3(a)(1) of the BHC Act.

COMMUNITY PARTNERS

BANCORP

Newspaper:

Federal Register:

4c8 Not applicable

01/17/2006

HSH Nordbank AG, Hamburg, Germany, to

engage de novo through its wholly-owned

subsidiary, HSH N Financial Securities LLC,

New York, New York, in providing agency

transactional services for customer

investments, including securities brokerage,

riskless principal transactions, private

placement, and other transactional services,

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

Section 225.28(b)(7) of Regulation Y.

HSH NORDBANK AG

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 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:

* 3A1 Not available

4c8 01/20/2006

TrustCo Bank Corp NY, Glenville, New York,

("TrustCo"), a savings and loan holding

company, application, under Section 3(a)(1) of

the BHC Act, to become a bank holding

company through the acquisition of Ballston

Spa Bancorp, Inc., and its subsidiary Bank,

Ballston Spa National Bank, both of Ballston

Spa, New York. TrustCo also seeks prior

approval to engage in certain nonbanking

activities through the retention of its savings

association subsidiary, Trustco Bank, pursuant

to Section 4(c)(8) of the BHC Act.

TRUSTCO BANK CORP NY

* 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 December 31, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Premises Not applicable

Orrstown Bank, Shippensburg, PA, to establish 12/21/2005

a branch office at 201 South Cleveland

Avenue, City of Hagerstown, Washington

County, MD

ORRSTOWN 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 December 31, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 11/29/2005

establish a branch facility at 5627 South U.S.

41, Terre Haute, Indiana

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 12/15/2005

establish a branch facility at 62 54th Street,

Grand Rapids, Michigan

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 12/15/2005

establish a branch facility at 510 South Sutton

Street, Streamwood, Illinois

FIFTH THIRD BANK

Newspaper:

Federal Register:

CIC Not available

12/23/2005

Interagency Notice of Change in Bank Control

filed by Mr. Jay L. Dunlap, Lincoln, NB acting

as attorney and agent on behalf of Mark

Dunlap to vote 58.25 shares or 55.48% of the

outstanding voting shares of New Richmond

Bancorporation, New Richmond, OH.

NEW RICHMOND

BANCORPORATION

Newspaper:

Federal Register:

* 3A3 01/23/2006

01/20/2006

Sky Financial Group, Bowling Green, OH to

acquire up to 9.99 percent of LNB Bancorp,

Lorain, OH

SKY FINANCIAL GROUP, INC.

* 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 December 31, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

BCBank, Inc., Philippi, West Virginia, to 01/05/2006

establish a branch at 936 East Park Avenue,

Fairmont, West Virginia.

BCBANK, 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.

* 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 December 31, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/06/2006

BJC Holdings, Inc., Graceville, Florida,

after-the-fact change in control notice filed by

Thomas W. Wilder, III, Slocomb, Alabama,

and Thomas W. Wilder, IV, Marianna,

Florida, to retain 92.28 percent of the

outstanding shares of BJC Holdings, Inc.,

Graceville, Florida, and its subsidiary, Bank of

Jackson County, Graceville, Florida.

BJC HOLDINGS,INC.

Newspaper:

Federal Register:

* Branch

Not applicable

CapitalSouth Bank, Birmingham, Alabama, to 12/28/2005

establish a branch located at 10161 Centurion

Parkway North, Jacksonville, Florida.

CAPITALSOUTH BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunCoast Bank, Sarasota, Florida, to establish 01/02/2006

a branch located at 5115 State Road 64 East,

Bradenton, Florida.

SUNCOAST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 01/01/2005

a branch located at 27 Broad Street, Manakin,

Virginia, to be known as the Manakin 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 December 31, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

1st Source Bank, South Bend, Indiana, to

establish a branch facility to be located at 3267

Northview Drive, Elkhart, Indiana.

1ST SOURCE BANK

Newspaper:

Federal Register:

* 3A3 Not available

Member 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

12/27/2005

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited III,

Lansing, Michigan, to acquire 51 percent of

the voting shares of Community Bank of

Rowan (in organization), Salisbury, North

Carolina.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

* 3A3 12/19/2005

MainSource Financial Group, Inc.,

Greensburg, Indiana, to acquire 100 percent of

the voting shares of Union Community

Bancorp, Crawfordsville, Indiana, and thereby

indirectly acquire Union Federal Savings and

Loan Association, Crawfordsville, Indiana.

The Savings Association will merge into

MainSource Bank-Crawfordsville, a newly

formed Indiana state-chartered commercial

bank.

MAINSOURCE FINANCIAL

GROUP, INC.

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.

* 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 December 31, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Little Rock, Little Rock, Arkansas, to 01/06/2006

establish a branch facility to be located at 1201

Rahling Road, Little Rock, Arkansas.

BANK OF LITTLE ROCK

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Bank of Little Rock, Little Rock, Arkansas, to

increase its investment in bank premises in the

amount of $1,225,000.

BANK OF LITTLE ROCK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

M&P Community Bancshares, Inc. 401(k)

Employee Stock Ownership Plan, Newport,

Arkansas, to become a bank holding company

by acquiring an additional 1.63 percent for

total ownership of 26.58 percent of M&P

Community Bancshares, Inc., Newport,

Arkansas, and thereby indirectly acquire

Greers Ferry Lake State Bank, Heber Springs,

Arkansas, and Merchants & Planters Bank,

Newport, Arkansas.

M&P COMMUNITY

BANCSHARES, INC. 401(K)

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A5 01/11/2006

01/05/2006

The Templar Fund, Inc., Saint Louis, Missouri,

Trubank Securities Trust, Clayton, Missouri,

and Truman Bancorp, Inc., Clayton, Missouri,

to acquire 100 percent of FFC Financial

Corporation, St. Louis, Missouri, and thereby

indirectly acquire Keystone Bank, Northwoods,

Missouri.

TEMPLAR FUND, INC., THE

* 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 December 31, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/09/2006

01/06/2006

Beulah Bancorporation, Inc., Sioux Falls,

South Dakota to acquire 100 percent of Valley

Bank & Trust, Mapleton, Iowa.

BEULAH BANCORPORATION,

INC.

Newspaper:

Federal Register:

* 3A1 Not available

01/20/2006

BlackRidge Financial, Inc., Fargo, North

Dakota, to become a bank holding company by

acquiring 100 percent of Valley Bancshares,

Inc., Nisswa, Minnesota, thereby indirectly

aquiring Lakewood Bank N.A., Baxter,

Minnesota. Also, to retain its indirect 17.11

percent ownership in Union Bancshares, Inc.,

Fargo, North Dakota, which owns Union State

Bank of Fargo, Fargo, North Dakota.

BLACKRIDGE FINANCIAL,

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 December 31, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Community Bank, Taos, New Mexico, to 12/30/2005

establish a branch in the 3000 block of JFK

Parkway (corner of JFK Parkway and College

Avenue), Fort Collins, Colorado.

FIRST COMMUNITY BANK

Newspaper:

Federal Register:

* 3A3 Not available

01/27/2006

Tonganoxie Bankshares, Inc., Tonganoxie,

Kansas, to acquire 53 percent of the voting

shares of Overbrook Bankshares, Inc., parent

of First Security Bank, both in Overbrook,

Kansas.

TONGANOXIE BANKSHARES,

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 December 31, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/26/2006

01/27/2006

Cullen/Frost Bankers, Inc., San Antonio,

Texas, and The New Galveston Company,

Wilmington, Delaware, to acquire 100 percent

of Alamo Corporation of Texas, Alamo, Texas,

and indirectly acquire Alamo Corporation of

Delaware, Wilmington, Delaware, and Alamo

Bank of Texas, Alamo, Texas.

CULLEN/FROST BANKERS,

INC.

Newspaper:

Federal Register:

* 3A3 01/21/2006

01/27/2006

Mesquite Financial Services, Inc., Alice,

Texas, to acquire 100 percent of Nichols

Bancshares, Inc., Kenedy, Texas, and

indirectly acquire J M Nichols, Wilmington,

Delaware, and First-Nichols National Bank,

Kenedy, Texas.

MESQUITE FINANCIAL

SERVICES, 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 December 31, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of the Federated States of Micronesia,

Kolonia, Pohnpei, Federated States of

Micronesia, to establish a limited service

non-insured branch in Honolulu, Hawaii,

pursuant to section 7(d)of the International

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

Regulation K.

BANK OF THE FEDERATED

STATES OF MICRONESIA

Newspaper:

Federal Register:

* 3A1 01/26/2005

12/05/2005

Castle Creek Capital Partners III, L.P., Castle

Creek Capital III LLC, Eggemeyer Capital

LLC, and Ruh Capital LLC, all of Rancho

Santa Fe, California, to become bank holding

companies by acquiring 89 percent of LDF,

Inc., and thereby indirectly acquire its

wholly-owned subsidiary, Labe Bank, both of

Chicago, Illinois.

CASTLE CREEK CAPITAL

PARTNERS III, L.P.

Newspaper:

Federal Register:

* 4c8 Not available

01/30/2006

Cathay General Bancorp, Los Angeles,

California, to acquire an equity interest up to

14.9 percent of the stock of Broadway

Financial Corporation, Los Angeles,

California, and thereby indirectly acquire

Broadway Federal Bank, FSB, Los Angeles,

California.

CATHAY GENERAL

BANCORP

* 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