H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 34 

Week Ending August 20, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions August 14, 2005 to August 20, 2005 

Bank Holding Companies 

Capital One Financial Corporation, McLean, Virginia -- to acquire Hibernia 

Corporation, New Orleans, Louisiana, and Hibernia National Bank. 

- Approved, August 16, 2005 

Regulations And Policies 

Regulation E (Electronic Fund Transfers) -- publication for comment of revisions to 

the regulation and staff commentary on disclosure obligations of automated teller 

machine operators (Docket No. R-1234). 

- Approved, August 17, 2005 

Enforcement 

First National Bank, Lubbock Texas -- issuance of a final decision and order of 

prohibition against Walter C. Cleveland, a former director and senior vice president. 

- Approved, August 16, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority August 14, 2005 to August 20, 2005 

BS&R Banking Supervision and Regulation RBOPS Reserve Bank Operations and Payment Systems 

C&CA Consumer and Community Affairs IF International Finance 

FOMC Federal Open Market Committee OSDM Office of Staff Director for Management 

Bank Branches, Domestic 

St. Louis 

Allied Bank, Mulberry, Arkansas -- to establish a branch at 112 Pointer Trail West, 

Van Buren. 

- Approved, August 18, 2005 

St. Louis 

The Callaway Bank, Fulton, Missouri -- to establish a mobile branch to operate in 

Boone County. 

- Approved, August 18, 2005 

Atlanta 

First Commercial Bank of Florida, Orlando, Florida -- to establish branches at 

10222 East Colonial Drive, Orlando, and 5645 Hansel Avenue, Edgewood. 

- Approved, August 19, 2005 

Richmond 

Gateway Bank & Trust Co., Elizabeth City, North Carolina -- to establish a branch 

at 2209 Century Drive, Raleigh. 

- Approved, August 17, 2005 

Richmond 

Gateway Bank & Trust Co., Elizabeth City, North Carolina -- to establish a branch 

at 641 South Lynnhaven Parkway, Virginia Beach, Virginia. 

- Approved, August 17, 2005 

Minneapolis 

Profinium Financial, Inc., Truman, Minnesota -- to establish a branch at 1080 West 

Frontage Road, Owatonna. 

- Approved, August 15, 2005 

St. Louis 

Progress Bank of Missouri, Sullivan, Missouri -- to establish a branch at 308 West 

Lincoln Avenue, Owensville. 

- Approved, August 17, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 6 
H.2 Actions under delegated authority August 14, 2005 to August 20, 2005 

Bank Branches, Domestic 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 2255 Highway 71, 

Marianna, Florida. 

- Approved, August 17, 2005 

Bank Holding Companies 

Atlanta 

CenterBank, Inc., Jacksonville, Florida -- relief from a commitment. 

- Granted, August 18, 2005 

Chicago 

Commerce Financial Holdings, Inc., West Bend, Wisconsin -- to become a bank 

holding company and to acquire Commerce State Bank, a de novo bank. 

- Approved, August 16, 2005 

Dallas 

Country Holding Corp., Lakeway, Texas -- to become a bank holding company and 

to acquire Texas Country Bank, a de novo bank. 

- Approved, August 17, 2005 

Secretary 

Cullen/Frost Bankers, Inc., San Antonio, Texas, and The New Galveston Company, 

Wilmington, Delaware -- waiver of application to acquire Horizon Capital Bank, 

Houston, Texas, in connection with the merger of Horizon Capital Bank and The 

New Galveston Company's subsidiary, The Frost National Bank, San Antonio. 

- Granted, August 18, 2005 

San Francisco 

Eggemeyer Advisory Corp., Rancho Santa Fe, California; WJR Corp., Castle Creek 

Capital LLC, and Castle Creek Capital Partners Funds I, IIa, and IIb, LP -- to 

acquire, directly and indirectly, Heritage Financial Corporation, Granbury, Texas; 

State National Bancshares, Inc., Lubbock; Heritage Associated Services, Inc., 

Carson City, Nevada; and Heritage National Bank, Granbury, Texas. 

- Approved, August 19, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 6 
H.2 Actions under delegated authority August 14, 2005 to August 20, 2005 

Bank Holding Companies 

St. Louis 

First Banks, Inc., Hazelwood, Missouri, and The San Francisco Company, San 

Francisco, California -- to acquire Northway State Bank, Grayslake, Illinois; and for 

First Bank, St. Louis, Missouri, to merge with Northway State Bank, Grayslake, 

Illinois, and thereby establish a branch. 

- Approved, August 17, 2005 

Atlanta 

Georgian Bancorporation, Inc., Powder Springs, Georgia -- relief from a 

commitment. 

- Granted, August 16, 2005 

Chicago 

H.F. Gehant Bancorp, Inc., West Brooklyn, Illinois -- to become a bank holding 

company and to acquire H.F. Gehant Banking Co. 

- Approved, August 17, 2005 

St. Louis 

Home Bancshares, Inc., Conway, Arkansas -- to acquire Mountain View 

Bancshares, Inc., Mountain View, and Bank of Mountain View. 

- Approved, August 15, 2005 

San Francisco 

Mission Valley Bancorp, Sun Valley, California -- to become a bank holding 

company and to acquire Mission Valley Bank. 

- Approved, August 15, 2005 

New York 

New York Private Bank & Trust Corporation, New York, New York, and Emigrant 

Bancorp -- to acquire newly formed institutions Emigrant Savings Bank-Manhattan, 

Emigrant Savings Bank-Brooklyn/Queens, Emigrant Savings Bank-Long Island, 

and Emigrant Savings Bank-Bronx/Westchester in connection with a corporate 

reorganization. 

- Approved, August 16, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 6 
H.2 Actions under delegated authority August 14, 2005 to August 20, 2005 

Bank Mergers 

Atlanta 

Regions Bank, Birmingham, Alabama -- to merge with Regions Morgan Keegan 

Trust, F.S.B. 

- Approved, August 18, 2005 

Banks, Foreign 

General Counsel 

Export-Import Bank of Korea, Seoul, Korea -- request for a determination that it 

qualifies as a special-purpose foreign government-owned bank under Regulation K. 

- Approved, August 15, 2005 

Change In Bank Control 

San Francisco 

Western Alliance Bancorporation, Las Vegas, Nevada -- change in bank control. 

- Permitted, August 16, 2005 

Competitive Factors Reports 

San Francisco 

1st Bank Yuma, Yuma, Arizona -- report on competitive factors of the proposed 

acquisition of two Birmingham, Alabama, branches of Compass Bank. 

- Submitted, August 18, 2005 

San Francisco 

Ameriprise Bank, FSB, New York, New York (in organization) -- report on 

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

liabilities of American Express Bank, FSB, Salt Lake City, Utah. 

- Submitted, August 18, 2005 

Atlanta 

The Citizens Bank, Nashville, Georgia -- report on competitive factors of the 

proposed merger with Adel Banking Company, Adel, in connection with a 

corporate reorganization. 

- Submitted, August 15, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 6 
H.2 Actions under delegated authority August 14, 2005 to August 20, 2005 

Competitive Factors Reports 

New York 

Emigrant Savings Bank, New York, New York -- report on competitive factors of 

the proposed corporate reorganization with newly formed institutions Emigrant 

Savings Bank-Manhattan, Emigrant Savings Bank-Brooklyn/Queens, Emigrant 

Savings Bank-Long Island, and Emigrant Savings Bank-Bronx/Westchester. 

- Submitted, August 16, 2005 

Richmond 

First Gaston Bank of North Carolina, Gastonia, North Carolina -- report on 

competitive factors of the proposed merger with Catawba Valley Bank, Hickory. 

- Submitted, August 19, 2005 

Dallas 

The First State Bank, Louise, Texas -- report on competitive factors of the proposed 

acquisition of the Ganado branch of First Victoria National Bank, Victoria. 

- Submitted, August 16, 2005 

Chicago 

H.F. Gehant Banking Co., West Brooklyn, Illinois -- report on competitive factors 

of the proposed merger with HFGB Interim Bank. 

- Submitted, August 18, 2005 

Chicago 

Wauwatosa Savings Bank, Wauwatosa, Wisconsin -- report on competitive factors 

of the proposed merger with Wauwatosa Interim 2 Stock Savings Bank. 

- Submitted, August 15, 2005 

Extensions Of Time 

Atlanta 

Regions Bank, Birmingham, Alabama -- extension to September 20, 2006, to 

establish a branch at 3577 Hacks Cross Road, Memphis, Tennessee. 

- Granted, August 17, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 6 
H.2 Actions under delegated authority August 14, 2005 to August 20, 2005 

Extensions Of Time 

Atlanta 

Regions Bank, Birmingham, Alabama -- extension to September 27, 2006, to 

establish a branch at the intersection of South Mopac Expressway and William 

Cannon Drive, Austin, Texas. 

- Granted, August 17, 2005 

Dallas 

Texas State Bank, McAllen, Texas -- extension to December 21, 2005, to establish a 

branch at 1455 Research Forest Drive, The Woodlands. 

- Granted, August 18, 2005 

Dallas 

Texas State Bank, McAllen, Texas -- extension to September 22, 2006, to establish 

a branch at 4700 Sweetwater Boulevard, Sugar Land. 

- Granted, August 18, 2005 

Financial Holding Companies 

Secretary 

West Coast Bancorp, Lake Oswego, Oregon -- election to become a financial 

holding company. 

- Effective, August 18, 2005 

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

Federal Reserve Bank of Boston

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

09/04/2005

09/01/2005

Monson Financial Services MHC and Monson

Financial Services Corp., both of Monson,

Massachusetts, section 3(a)(1) and section

3(a)(3) applications to become a mutual bank

holding company and a stock bank holding

company, respectively, by acquiring Monson

Savings Bank, Monson, Massachusetts.

MONSON FINANCIAL

SERVICES 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

FRANKLIN SVG BK FARMINGTON, MAINE

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

Federal Reserve Bank of New York

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Banco Popular North America ("BPNA")

request approval to open a branch office located

at 310 East Houston Street, New York, New

York. (RSSD#3374850)

BANCO POPULAR NORTH

AMERICA

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Deutsche Genossenschafts-Hypothekenbank

AG, Hamburg, Germany, requests prior

approval to establish a NY rep office.

DEUTCHE

GENOSSENSCHAFTS-HYPOTH

EKENBANK AG

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The Governor and Company of The Bank of

Ireland, Dublin, Ireland to establish a

representative office in Los Angeles, California,

pursuant to Section 10(a) of the International

Banking Act of 1978, and Section

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

GOVERNOR AND COMPANY

OF THE BANK OF IRELAND,

THE

Newspaper:

Federal Register:

4c8 Not applicable

09/01/2005

HSH Nordbank AG, Hamburg, Germany and

WestLB AG, Dusseldorf, Germany, propose to

engage de novo through BoA Nevada Lending

LLP, a joint venture investment, in extending

credit and servicing loans, pursuant to Section

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

225.28(b)(1) of Regulation Y.

HSH NORDBANK AG

Newspaper:

Federal Register:

* 3A1 08/28/2005

09/01/2005

IA Bancorp, Inc., Iselin, New Jersey, (in

formation), to become a one bank holding

company with respect to the acquisition of

Indus American Bank, Iselin, New Jersey, (in

organization), pursuant to Section 3(a)(1) of the

Bank Holding Company Act, as amended, and

Section 225.15 of Regulation Y.

IA BANCORP, INC.

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

08/27/2005

09/06/2005

Interchange Financial Services Corporation

("IFSC") and its wholly-owned subsidiary,

Interchange Bank ("Interchange"), both of

Saddle Brook, New Jersey, seek the prior

approval of the Board of Governors of the

Federal Reserve System of the merger of

Franklin Bank ("Franklin"), Nutley, New Jersey

with and into Interchange and for IFSC to

acquire 100% of the voting stock of Franklin.

Interchange also requests approval pursuant to

section 9 of the Federal Reserve Act to establish

a branch at the current location of Franklin

upon completion of the merger.

INTERCHANGE FINANCIAL

SERVICES CORPORATION

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Kreditanstalt fur Wiederaufbau, Frankfurt,

Germany, 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.

KREDITANSTALT FUER

WIEDERAUFBAU (KFW)

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 09/02/2005

Buffalo, New York request approval to open

and occupy a branch office located at 640

Scranton Carbondale Highway, Dickson City,

Lackawanna County, Pennsylvania.

MANUFACTURERS AND

TRADERS TRUST COMPANY

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

Federal Reserve Bank of New York

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

NBT Bancorp Inc., Norwich, New York,

proposes to merge with CNB Bancorp, Inc., and

thereby indirectly acquire City National Bank

and Trust Company, both of Gloversville, New

York, pursuant to Section 3(a)(5) of the Bank

Holding Company Act and 225.15 of

Regulation Y.

NBT BANCORP INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Norddeutsche Landesbank Girozentrale,

Hannover, Germany, proposes to engage de

novo through Nord/LB Financial Services LLC,

in financial and investment advisory services,

pursuant to Sections 4(c)(8) and 4(j) of the BHC

Act and Sections 225.24(a)(1) and 225.28(b)(1)

of Regulation Y.

NORDDEUTSCHE

LANDESBANK

GIROZENTRALE

* 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

INTERCHANGE BK SADDLE BROOK, NEW JERSEY

PEAPACK GLADSTONE BK GLADSTONE, NEW JERSEY

SOLVAY BK SOLVAY, NEW YORK

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

STERLING BK MOUNT LAUREL, NEW JERSEY

WOODLANDS BK WILLIAMSPORT, PENNSYLVANIA

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

Federal Reserve Bank of Cleveland

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Application by The Citizens Banking Company, 09/03/2005

Sandusky, OH to merge with First Citizens

Bank, New Washington, OH and incident

thereto establish branches.

CITIZENS BANKING

COMPANY, THE

Newspaper:

Federal Register:

* 3A5

Not available

Rurban Financial Corp., Defiance, Ohio to 08/18/2005

acquire Exchange Bancshares, Inc., Luckey,

Ohio and as a result acquire all of the issued

and outstanding capital stock of The Exchange

Bank. Rurban will be the surviving corporation

in the merger. Exchange Bank will operate as a

separate bank subsidiary of Rurban following

completion of the merger.

RURBAN FINANCIAL CORP.

Newspaper:

Federal Register:

* 3A3 09/10/2005

09/12/2005

Sky Financial Group, Inc., Bowling Green,

Ohio, to acquire 100 percent of Falls Bank,

Stow, Ohio, and the formation of Falls Interim

Savings Bank, Bowling Green, Ohio,for the

purpose of facilitaing the acquisition

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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

RICHWOOD BKG CO RICHWOOD, OHIO

TWIN VALLEY BK WEST ALEXANDRIA, OHIO

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

Federal Reserve Bank of Richmond

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Capital Bank Corporation, Raleigh, North

Carolina, to merge with 1st State Bancorp, Inc.,

Burlington, North Carolina, and thereby

indirectly acquire 1st State Bank, Burlington,

North Carolina.

CAPITAL BANK

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Fidelity & Trust Bank in Bethesda, Maryland, 08/20/2005

to establish a branch at 1720 Eye Street, NW,

Washington, DC 20006.

FIDELITY & TRUST 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

CAPITALBANK GREENWOOD, SOUTH CAROLINA

FARMERS & MECHANICS BK FREDERICK, MARYLAND

FIRST BK STRASBURG, VIRGINIA

PATAPSCO BK DUNDALK, MARYLAND

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

Federal Reserve Bank of Atlanta

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

ABC Bancorp, Moultrie, Georgia, to merge

with First National Banc, Inc., St.Marys,

Georgia, and thereby acquire its subsidiaries,

First National Bank, St. Marys, Georgia, and

First National Bank, Orange Park, Florida.

ABC BANCORP

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

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

establish an international representative office

in Miami, Florida.

BANCO POPULAR ESPANOL,

S.A.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Bank Independent, Sheffield, Alabama, to 09/08/2005

acquire certain assets and assume certain

liabilities of 13 branches of Colonial Bank,

N.A., Montgomery, Alabama. The branches

will be located at Athens Location-101 S.

Clinton Street, Athens, Alabama; Hartselle

Location-902 Highway 31 North, Hartselle,

Alabama; Decatur Beltline Location-1425

Beltline Road SW, Decatur, Alabama; Decatur

Main Location-102 2nd Avenue SE, Decatur,

Alabama; Red Bay Location-117 4th Avenue

South, Red Bay, Alabama; Moulton

Location-720 Seminary Street, Moulton,

Alabama; Russellville Location-101 Jackson

Avenue, Russellville, Alabama; Tuscumbia

Location-101 South Main Street, Tuscumbia,

Alabama; Lexington Location-11250 Highway

101, Lexington, Alabama; Florence Downtown

Location-201 E. Dr. Hicks Boulevard, Florence,

Alabama; Village Square Location-13566

Highway 43 - South, Russellville, Alabama;

Muscle Shoals Location-530 W. Avalon

Avenue, Muscle Shoals, Alabama; Florence

Mall Location-2704 Hough Road, Florence,

Alabama.

BANK INDEPENDENT

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

CCB Financial Corporation, notice to become a

bank holding company by acquiring 100

percent of the outstanding shares of Community

Capital Bank, both of Jonesboro, Georgia.

CCB FINANCIAL

CORPORATION

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

First Commercial Bancshares, Inc., notice to

become a bank holding company by acquiring

100 percent of the outstanding shares of First

Commercial Bank, both of Jackson, Mississippi.

FIRST COMMERCIAL

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

2735913 PEACHTREE BK, DULUTH, GEORGIA 10/04/2004 03/27/2005 S Small Bank

675332 SUNTRUST BK, ATLANTA, GEORGIA 10/25/2004 08/14/2005 O Large Bank

CRA Examinations scheduled for Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

BANK OF ST PETERSBURG TAMPA, FLORIDA

BRAND BKG CO LAWRENCEVILLE, GEORGIA

CAPITAL CITY BK TALLAHASSEE, FLORIDA

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

Bank of Montreal, Toronto, Ontario, Canada, 09/16/2005

Harris Financial Corp., Chicago,Illinois, and

Harris Bankcorp, Inc., Chicago, Illinois, to

acquire 100 percent of the voting shares of

Edville Bankcorp, Inc., Villa Park, Illinois, and

thereby indirectly acquire Villa Park Trust &

Savings Bank, Villa Park, Illinois.

BANK OF MONTREAL

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 08/23/2005

Capitol Bancorp, Ltd., Lansing, Michigan,

indirectly through Capitol Development

Bancorp Limited III, Lansing, Michigan, to

acquire 51 percent of Bank of Santa Barbara (in

organization), Santa Barbara, California; and

by Capitol Development Bancorp Limited III,

Lansing, Michigan, to become a bank holding

company by acquiring 51 percent of the voting

shares of Bank of Santa Barbara (in

organization), Santa Barbara, California.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A1 Not available

09/19/2005

CCB Acquisition Corp., Oak Brook, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of Citizens

Central Bancorp, Inc., Macomb, Illinois, and

thereby acquire Citizens National Bank,

Macomb, Illinois.

CCB ACQUISTION CORP

Newspaper:

Federal Register:

* 3A1 Not available

09/19/2005

Commercial Bancshares, Inc., Whitewater,

Wisconsin, to become a bank holding company

by acquiring 100 percent of the voting shares of

Commercial Bank, Whitewater, Wisconsin.

COMMERCIAL BANCSHARES,

INC

Newspaper:

Federal Register:

CIC 06/16/2005

06/29/2005

Notice by Ralph Mason, Bourbon, Indiana and

Brad Mason, Bourbon, Indiana, to acquire

control of The First State Bank of Bourbon,

Bourbon, Indiana.

FIRST STATE BANK OF

BOURBON, INDIANA, THE

Newspaper:

Federal Register:

CIC Not available

08/22/2005

Notice by Ben D. Grimstad, Decorah, Iowa and

Joseph L. Grimstad, Decorah, Iowa,

individually, to acquire control of 40.1 percent

of Security Agency, Inc., Decorah, Iowa, and

thereby indirectly Decorah Bank & Trust

Company, Decorah, Iowa.

SECURITY AGENCY, 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

428547 HINSBROOK B&T, WILLOWBROOK, ILLINOIS 04/18/2005 08/15/2005 S Large Bank

CRA Examinations scheduled for Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

BANK IA RED OAK, IOWA

BLOOMINGDALE B&T BLOOMINGDALE, ILLINOIS

COMMUNITY FIRST BK BOSCOBEL, WISCONSIN

FARMERS & MRCH BK BERLIN, WISCONSIN

FARMERS ST BK BROOKSTON, INDIANA

FARMERS ST BK WESTERN IL ALPHA, ILLINOIS

FIRST AMER BK FORT DODGE, IOWA

FIRST CMNTY BK HARBOR SPRINGS, MICHIGAN

FIRST FARMERS B&T CONVERSE, INDIANA

FORT MADISON B&TC FORT MADISON, IOWA

GARRETT ST BK GARRETT, INDIANA

HARTSBURG ST BK HARTSBURG, ILLINOIS

HENDRICKS CTY B&TC BROWNSBURG, INDIANA

IOWA ST B&TC FAIRFIELD, IOWA

MIDWEST B&TC ELMWOOD PARK, ILLINOIS

MIDWEST BK WESTERN IL MONMOUTH, ILLINOIS

PEOPLES' BK ARLINGTON HEIGHTS ARLINGTON HEIGHTS, ILLINOIS

VILLA PARK T&SB VILLA PARK, ILLINOIS

WHEATON B&T WHEATON, ILLINOIS

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Callaway Bank, Fulton, Missouri, to 08/04/2005

establish a mobile branch that will operate in

Boone County, Missouri.

CALLAWAY BANK, THE

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Superior Bancshares, Inc., Hazelwood,

Missouri, to become a bank holding company

by acquiring 100 percent of Superior Bank,

Hazelwood, Missouri.

Superior Bancshares, 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

CITIZENS B&TC VAN BUREN, ARKANSAS

CITIZENS BK BATESVILLE, ARKANSAS

FIRST FINANCIAL BK EL DORADO, ARKANSAS

HEBER SPRINGS ST BK HEBER SPRINGS, ARKANSAS

MIDWEST BANKCENTRE LEMAY, MISSOURI

PEOPLES B&TC TROY, MISSOURI

SECURITY BK NEWBERN, TENNESSEE

SIMMONS FIRST BK SEARCY, ARKANSAS

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

American Bank of St. Paul, St. Paul,

Minnesota, to merge with American Bank of

Olivia, Olivia, Minnesota and incident thereto

establish branches at 815 East Depue Avenue,

Olivia, Minnesota and Main Street, Renville,

Minnesota.

AMERICAN BANK OF ST.

PAUL

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Security Bank of Missoula, Missoula,

Montana, to merge with First State Bank,

Thompson Falls, Montana and incident thereto

proposes to establish branches at 107 South

Fulton, Thompson Falls, Montana, 510 West

Railroad, Plains, Montana, and, 590 North

Montana, Dillon, Montana.

FIRST SECURITY BANK OF

MISSOULA

Newspaper:

Federal Register:

* 3A1 Not available

09/16/2005

Riverland Bancorporation, Jordan, Minnesota

to become a bank holding company by

acquiring 100 percent of Riverland Bank,

Jordan, Minnesota, a de novo bank.

RIVERLAND

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

215653 WELCOME ST BK, WELCOME, MINNESOTA 05/16/2005 08/15/2005 S Small Bank

CRA Examinations scheduled for Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

BANKFIRST SIOUX FALLS, SOUTH DAKOTA

CITIZENS B&TC BIG TIMBER, MONTANA

CITIZENS ST BK OF CHOTEAU CHOTEAU, MONTANA

DAKOTA WESTERN BK BOWMAN, NORTH DAKOTA

FARMERS ST BK FAITH, SOUTH DAKOTA

FIRST CMNTY BK GLASGOW, MONTANA

FIRST PREMIER BK SIOUX FALLS, SOUTH DAKOTA

FLINT CREEK VALLEY BK PHILIPSBURG, MONTANA

HEARTLAND ST BK EDGELEY, NORTH DAKOTA

NORTH SHORE BK OF COMMERCE DULUTH, MINNESOTA

PROFINIUM FNCL TRUMAN, MINNESOTA

WESTERN BK OF WOLF POINT WOLF POINT, MONTANA

YELLOWSTONE BK LAUREL, MONTANA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/22/2005

08/23/2005

Notification by Marvin J. Carter and Donald C.

Stamps, both of Lawton, Oklahoma, as trustees

of the 2000 Green Family Trust, to acquire

control of B.O.E. Bancshares, Inc., parent of

Liberty National Bank, both in Lawton,

Oklahoma.

B.O.E. BANCSHARES, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

De Soto State Bank, De Soto, Kansas, to

become a member of the Federal Reserve

system.

DE SOTO STATE BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Guaranty Bank and Trust Company, Denver,

Colorado, to merge with Foothills Bank, Wheat

Ridge, Colorado, and to operate under the

charter and title of Guaranty Bank and Trust

Company, Denver, Colorado.

GUARANTY BANK AND

TRUST COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

Not available

UMB Financial Corporation, Kansas City,

Missouri, to acquire 100 percent of the voting

shares of UMB Bank Arizona, National

Association, Phoenix, Arizona (in

organization).

UMB FINANCIAL

CORPORATION

* 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

BANK OF LOCUST GROVE LOCUST GROVE, OKLAHOMA

BANK OF VERSAILLES VERSAILLES, MISSOURI

BANKERS BK OF THE WEST DENVER, COLORADO

CASTLE ROCK BK CASTLE ROCK, COLORADO

CITIZENS FARMERS BK COLE CAMP COLE CAMP, MISSOURI

F&M B&TC TULSA, OKLAHOMA

FIDELITY ST B&TC DODGE CITY, KANSAS

FIRST B&TC BROKEN BOW, OKLAHOMA

FIRSTBANK ANTLERS, OKLAHOMA

FIRSTIER BK WY UPTON, WYOMING

FREEDOM BK OKLAHOMA TULSA, OKLAHOMA

HIGH PLAINS BK FLAGLER, COLORADO

OREGON TRAIL BK GUERNSEY, WYOMING

SECURITY BK PAWNEE, OKLAHOMA

UINTA CTY ST BK MOUNTAIN VIEW, WYOMING

UNION BK OF CHANDLER CHANDLER, OKLAHOMA

WESTSTAR BK VAIL, COLORADO

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 20, 2005

Filing Type Filer 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

BANK OF CMRC MCLEAN, TEXAS

FIRST BK MULESHOE, TEXAS

TEXASBANK FORT WORTH, TEXAS

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

Federal Reserve Bank of San Francisco

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/15/2005

09/15/2005

Zions Bancorporation, Salt Lake City, Utah, to

acquire 100 percent of The Commerce Bank of

Oregon (In Organization), Portland, Oregon.

ZIONS BANCORPORATION

* 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

2209553 HERITAGE BK OF CMRC, SAN JOSE, CALIFORNIA 04/18/2005 08/11/2005 S Large Bank

CRA Examinations scheduled for Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

1ST PACIFIC BK CA SAN DIEGO, CALIFORNIA

PACIFIC ST BK STOCKTON, CALIFORNIA

SPECTRUM BK MONTEBELLO, CALIFORNIA

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

Federal Reserve Bank of Boston

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

09/04/2005

09/01/2005

Monson Financial Services MHC and Monson

Financial Services Corp., both of Monson,

Massachusetts, section 3(a)(1) and section

3(a)(3) applications to become a mutual bank

holding company and a stock bank holding

company, respectively, by acquiring Monson

Savings Bank, Monson, Massachusetts.

MONSON FINANCIAL

SERVICES 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

FRANKLIN SVG BK FARMINGTON, MAINE

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

Federal Reserve Bank of New York

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Banco Popular North America ("BPNA")

request approval to open a branch office located

at 310 East Houston Street, New York, New

York. (RSSD#3374850)

BANCO POPULAR NORTH

AMERICA

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Deutsche Genossenschafts-Hypothekenbank

AG, Hamburg, Germany, requests prior

approval to establish a NY rep office.

DEUTCHE

GENOSSENSCHAFTS-HYPOTH

EKENBANK AG

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The Governor and Company of The Bank of

Ireland, Dublin, Ireland to establish a

representative office in Los Angeles, California,

pursuant to Section 10(a) of the International

Banking Act of 1978, and Section

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

GOVERNOR AND COMPANY

OF THE BANK OF IRELAND,

THE

Newspaper:

Federal Register:

4c8 Not applicable

09/01/2005

HSH Nordbank AG, Hamburg, Germany and

WestLB AG, Dusseldorf, Germany, propose to

engage de novo through BoA Nevada Lending

LLP, a joint venture investment, in extending

credit and servicing loans, pursuant to Section

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

225.28(b)(1) of Regulation Y.

HSH NORDBANK AG

Newspaper:

Federal Register:

* 3A1 08/28/2005

09/01/2005

IA Bancorp, Inc., Iselin, New Jersey, (in

formation), to become a one bank holding

company with respect to the acquisition of

Indus American Bank, Iselin, New Jersey, (in

organization), pursuant to Section 3(a)(1) of the

Bank Holding Company Act, as amended, and

Section 225.15 of Regulation Y.

IA BANCORP, INC.

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

08/27/2005

09/06/2005

Interchange Financial Services Corporation

("IFSC") and its wholly-owned subsidiary,

Interchange Bank ("Interchange"), both of

Saddle Brook, New Jersey, seek the prior

approval of the Board of Governors of the

Federal Reserve System of the merger of

Franklin Bank ("Franklin"), Nutley, New Jersey

with and into Interchange and for IFSC to

acquire 100% of the voting stock of Franklin.

Interchange also requests approval pursuant to

section 9 of the Federal Reserve Act to establish

a branch at the current location of Franklin

upon completion of the merger.

INTERCHANGE FINANCIAL

SERVICES CORPORATION

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Kreditanstalt fur Wiederaufbau, Frankfurt,

Germany, 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.

KREDITANSTALT FUER

WIEDERAUFBAU (KFW)

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 09/02/2005

Buffalo, New York request approval to open

and occupy a branch office located at 640

Scranton Carbondale Highway, Dickson City,

Lackawanna County, Pennsylvania.

MANUFACTURERS AND

TRADERS TRUST COMPANY

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

Federal Reserve Bank of New York

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

NBT Bancorp Inc., Norwich, New York,

proposes to merge with CNB Bancorp, Inc., and

thereby indirectly acquire City National Bank

and Trust Company, both of Gloversville, New

York, pursuant to Section 3(a)(5) of the Bank

Holding Company Act and 225.15 of

Regulation Y.

NBT BANCORP INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Norddeutsche Landesbank Girozentrale,

Hannover, Germany, proposes to engage de

novo through Nord/LB Financial Services LLC,

in financial and investment advisory services,

pursuant to Sections 4(c)(8) and 4(j) of the BHC

Act and Sections 225.24(a)(1) and 225.28(b)(1)

of Regulation Y.

NORDDEUTSCHE

LANDESBANK

GIROZENTRALE

* 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

INTERCHANGE BK SADDLE BROOK, NEW JERSEY

PEAPACK GLADSTONE BK GLADSTONE, NEW JERSEY

SOLVAY BK SOLVAY, NEW YORK

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the

communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977

(12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

STERLING BK MOUNT LAUREL, NEW JERSEY

WOODLANDS BK WILLIAMSPORT, PENNSYLVANIA

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

Federal Reserve Bank of Cleveland

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Application by The Citizens Banking Company, 09/03/2005

Sandusky, OH to merge with First Citizens

Bank, New Washington, OH and incident

thereto establish branches.

CITIZENS BANKING

COMPANY, THE

Newspaper:

Federal Register:

* 3A5

Not available

Rurban Financial Corp., Defiance, Ohio to 08/18/2005

acquire Exchange Bancshares, Inc., Luckey,

Ohio and as a result acquire all of the issued

and outstanding capital stock of The Exchange

Bank. Rurban will be the surviving corporation

in the merger. Exchange Bank will operate as a

separate bank subsidiary of Rurban following

completion of the merger.

RURBAN FINANCIAL CORP.

Newspaper:

Federal Register:

* 3A3 09/10/2005

09/12/2005

Sky Financial Group, Inc., Bowling Green,

Ohio, to acquire 100 percent of Falls Bank,

Stow, Ohio, and the formation of Falls Interim

Savings Bank, Bowling Green, Ohio,for the

purpose of facilitaing the acquisition

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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

RICHWOOD BKG CO RICHWOOD, OHIO

TWIN VALLEY BK WEST ALEXANDRIA, OHIO

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

Federal Reserve Bank of Richmond

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Capital Bank Corporation, Raleigh, North

Carolina, to merge with 1st State Bancorp, Inc.,

Burlington, North Carolina, and thereby

indirectly acquire 1st State Bank, Burlington,

North Carolina.

CAPITAL BANK

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Fidelity & Trust Bank in Bethesda, Maryland, 08/20/2005

to establish a branch at 1720 Eye Street, NW,

Washington, DC 20006.

FIDELITY & TRUST 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

CAPITALBANK GREENWOOD, SOUTH CAROLINA

FARMERS & MECHANICS BK FREDERICK, MARYLAND

FIRST BK STRASBURG, VIRGINIA

PATAPSCO BK DUNDALK, MARYLAND

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

Federal Reserve Bank of Atlanta

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

ABC Bancorp, Moultrie, Georgia, to merge

with First National Banc, Inc., St.Marys,

Georgia, and thereby acquire its subsidiaries,

First National Bank, St. Marys, Georgia, and

First National Bank, Orange Park, Florida.

ABC BANCORP

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

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

establish an international representative office

in Miami, Florida.

BANCO POPULAR ESPANOL,

S.A.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Bank Independent, Sheffield, Alabama, to 09/08/2005

acquire certain assets and assume certain

liabilities of 13 branches of Colonial Bank,

N.A., Montgomery, Alabama. The branches

will be located at Athens Location-101 S.

Clinton Street, Athens, Alabama; Hartselle

Location-902 Highway 31 North, Hartselle,

Alabama; Decatur Beltline Location-1425

Beltline Road SW, Decatur, Alabama; Decatur

Main Location-102 2nd Avenue SE, Decatur,

Alabama; Red Bay Location-117 4th Avenue

South, Red Bay, Alabama; Moulton

Location-720 Seminary Street, Moulton,

Alabama; Russellville Location-101 Jackson

Avenue, Russellville, Alabama; Tuscumbia

Location-101 South Main Street, Tuscumbia,

Alabama; Lexington Location-11250 Highway

101, Lexington, Alabama; Florence Downtown

Location-201 E. Dr. Hicks Boulevard, Florence,

Alabama; Village Square Location-13566

Highway 43 - South, Russellville, Alabama;

Muscle Shoals Location-530 W. Avalon

Avenue, Muscle Shoals, Alabama; Florence

Mall Location-2704 Hough Road, Florence,

Alabama.

BANK INDEPENDENT

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

CCB Financial Corporation, notice to become a

bank holding company by acquiring 100

percent of the outstanding shares of Community

Capital Bank, both of Jonesboro, Georgia.

CCB FINANCIAL

CORPORATION

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

First Commercial Bancshares, Inc., notice to

become a bank holding company by acquiring

100 percent of the outstanding shares of First

Commercial Bank, both of Jackson, Mississippi.

FIRST COMMERCIAL

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

2735913 PEACHTREE BK, DULUTH, GEORGIA 10/04/2004 03/27/2005 S Small Bank

675332 SUNTRUST BK, ATLANTA, GEORGIA 10/25/2004 08/14/2005 O Large Bank

CRA Examinations scheduled for Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

BANK OF ST PETERSBURG TAMPA, FLORIDA

BRAND BKG CO LAWRENCEVILLE, GEORGIA

CAPITAL CITY BK TALLAHASSEE, FLORIDA

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

Bank of Montreal, Toronto, Ontario, Canada, 09/16/2005

Harris Financial Corp., Chicago,Illinois, and

Harris Bankcorp, Inc., Chicago, Illinois, to

acquire 100 percent of the voting shares of

Edville Bankcorp, Inc., Villa Park, Illinois, and

thereby indirectly acquire Villa Park Trust &

Savings Bank, Villa Park, Illinois.

BANK OF MONTREAL

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 08/23/2005

Capitol Bancorp, Ltd., Lansing, Michigan,

indirectly through Capitol Development

Bancorp Limited III, Lansing, Michigan, to

acquire 51 percent of Bank of Santa Barbara (in

organization), Santa Barbara, California; and

by Capitol Development Bancorp Limited III,

Lansing, Michigan, to become a bank holding

company by acquiring 51 percent of the voting

shares of Bank of Santa Barbara (in

organization), Santa Barbara, California.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A1 Not available

09/19/2005

CCB Acquisition Corp., Oak Brook, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of Citizens

Central Bancorp, Inc., Macomb, Illinois, and

thereby acquire Citizens National Bank,

Macomb, Illinois.

CCB ACQUISTION CORP

Newspaper:

Federal Register:

* 3A1 Not available

09/19/2005

Commercial Bancshares, Inc., Whitewater,

Wisconsin, to become a bank holding company

by acquiring 100 percent of the voting shares of

Commercial Bank, Whitewater, Wisconsin.

COMMERCIAL BANCSHARES,

INC

Newspaper:

Federal Register:

CIC 06/16/2005

06/29/2005

Notice by Ralph Mason, Bourbon, Indiana and

Brad Mason, Bourbon, Indiana, to acquire

control of The First State Bank of Bourbon,

Bourbon, Indiana.

FIRST STATE BANK OF

BOURBON, INDIANA, THE

Newspaper:

Federal Register:

CIC Not available

08/22/2005

Notice by Ben D. Grimstad, Decorah, Iowa and

Joseph L. Grimstad, Decorah, Iowa,

individually, to acquire control of 40.1 percent

of Security Agency, Inc., Decorah, Iowa, and

thereby indirectly Decorah Bank & Trust

Company, Decorah, Iowa.

SECURITY AGENCY, 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

428547 HINSBROOK B&T, WILLOWBROOK, ILLINOIS 04/18/2005 08/15/2005 S Large Bank

CRA Examinations scheduled for Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

BANK IA RED OAK, IOWA

BLOOMINGDALE B&T BLOOMINGDALE, ILLINOIS

COMMUNITY FIRST BK BOSCOBEL, WISCONSIN

FARMERS & MRCH BK BERLIN, WISCONSIN

FARMERS ST BK BROOKSTON, INDIANA

FARMERS ST BK WESTERN IL ALPHA, ILLINOIS

FIRST AMER BK FORT DODGE, IOWA

FIRST CMNTY BK HARBOR SPRINGS, MICHIGAN

FIRST FARMERS B&T CONVERSE, INDIANA

FORT MADISON B&TC FORT MADISON, IOWA

GARRETT ST BK GARRETT, INDIANA

HARTSBURG ST BK HARTSBURG, ILLINOIS

HENDRICKS CTY B&TC BROWNSBURG, INDIANA

IOWA ST B&TC FAIRFIELD, IOWA

MIDWEST B&TC ELMWOOD PARK, ILLINOIS

MIDWEST BK WESTERN IL MONMOUTH, ILLINOIS

PEOPLES' BK ARLINGTON HEIGHTS ARLINGTON HEIGHTS, ILLINOIS

VILLA PARK T&SB VILLA PARK, ILLINOIS

WHEATON B&T WHEATON, ILLINOIS

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Callaway Bank, Fulton, Missouri, to 08/04/2005

establish a mobile branch that will operate in

Boone County, Missouri.

CALLAWAY BANK, THE

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Superior Bancshares, Inc., Hazelwood,

Missouri, to become a bank holding company

by acquiring 100 percent of Superior Bank,

Hazelwood, Missouri.

Superior Bancshares, 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

CITIZENS B&TC VAN BUREN, ARKANSAS

CITIZENS BK BATESVILLE, ARKANSAS

FIRST FINANCIAL BK EL DORADO, ARKANSAS

HEBER SPRINGS ST BK HEBER SPRINGS, ARKANSAS

MIDWEST BANKCENTRE LEMAY, MISSOURI

PEOPLES B&TC TROY, MISSOURI

SECURITY BK NEWBERN, TENNESSEE

SIMMONS FIRST BK SEARCY, ARKANSAS

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

American Bank of St. Paul, St. Paul,

Minnesota, to merge with American Bank of

Olivia, Olivia, Minnesota and incident thereto

establish branches at 815 East Depue Avenue,

Olivia, Minnesota and Main Street, Renville,

Minnesota.

AMERICAN BANK OF ST.

PAUL

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Security Bank of Missoula, Missoula,

Montana, to merge with First State Bank,

Thompson Falls, Montana and incident thereto

proposes to establish branches at 107 South

Fulton, Thompson Falls, Montana, 510 West

Railroad, Plains, Montana, and, 590 North

Montana, Dillon, Montana.

FIRST SECURITY BANK OF

MISSOULA

Newspaper:

Federal Register:

* 3A1 Not available

09/16/2005

Riverland Bancorporation, Jordan, Minnesota

to become a bank holding company by

acquiring 100 percent of Riverland Bank,

Jordan, Minnesota, a de novo bank.

RIVERLAND

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

215653 WELCOME ST BK, WELCOME, MINNESOTA 05/16/2005 08/15/2005 S Small Bank

CRA Examinations scheduled for Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

BANKFIRST SIOUX FALLS, SOUTH DAKOTA

CITIZENS B&TC BIG TIMBER, MONTANA

CITIZENS ST BK OF CHOTEAU CHOTEAU, MONTANA

DAKOTA WESTERN BK BOWMAN, NORTH DAKOTA

FARMERS ST BK FAITH, SOUTH DAKOTA

FIRST CMNTY BK GLASGOW, MONTANA

FIRST PREMIER BK SIOUX FALLS, SOUTH DAKOTA

FLINT CREEK VALLEY BK PHILIPSBURG, MONTANA

HEARTLAND ST BK EDGELEY, NORTH DAKOTA

NORTH SHORE BK OF COMMERCE DULUTH, MINNESOTA

PROFINIUM FNCL TRUMAN, MINNESOTA

WESTERN BK OF WOLF POINT WOLF POINT, MONTANA

YELLOWSTONE BK LAUREL, MONTANA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/22/2005

08/23/2005

Notification by Marvin J. Carter and Donald C.

Stamps, both of Lawton, Oklahoma, as trustees

of the 2000 Green Family Trust, to acquire

control of B.O.E. Bancshares, Inc., parent of

Liberty National Bank, both in Lawton,

Oklahoma.

B.O.E. BANCSHARES, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

De Soto State Bank, De Soto, Kansas, to

become a member of the Federal Reserve

system.

DE SOTO STATE BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Guaranty Bank and Trust Company, Denver,

Colorado, to merge with Foothills Bank, Wheat

Ridge, Colorado, and to operate under the

charter and title of Guaranty Bank and Trust

Company, Denver, Colorado.

GUARANTY BANK AND

TRUST COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

Not available

UMB Financial Corporation, Kansas City,

Missouri, to acquire 100 percent of the voting

shares of UMB Bank Arizona, National

Association, Phoenix, Arizona (in

organization).

UMB FINANCIAL

CORPORATION

* 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

BANK OF LOCUST GROVE LOCUST GROVE, OKLAHOMA

BANK OF VERSAILLES VERSAILLES, MISSOURI

BANKERS BK OF THE WEST DENVER, COLORADO

CASTLE ROCK BK CASTLE ROCK, COLORADO

CITIZENS FARMERS BK COLE CAMP COLE CAMP, MISSOURI

F&M B&TC TULSA, OKLAHOMA

FIDELITY ST B&TC DODGE CITY, KANSAS

FIRST B&TC BROKEN BOW, OKLAHOMA

FIRSTBANK ANTLERS, OKLAHOMA

FIRSTIER BK WY UPTON, WYOMING

FREEDOM BK OKLAHOMA TULSA, OKLAHOMA

HIGH PLAINS BK FLAGLER, COLORADO

OREGON TRAIL BK GUERNSEY, WYOMING

SECURITY BK PAWNEE, OKLAHOMA

UINTA CTY ST BK MOUNTAIN VIEW, WYOMING

UNION BK OF CHANDLER CHANDLER, OKLAHOMA

WESTSTAR BK VAIL, COLORADO

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 20, 2005

Filing Type Filer 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

BANK OF CMRC MCLEAN, TEXAS

FIRST BK MULESHOE, TEXAS

TEXASBANK FORT WORTH, TEXAS

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

Federal Reserve Bank of San Francisco

Filings received during the week ending August 20, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/15/2005

09/15/2005

Zions Bancorporation, Salt Lake City, Utah, to

acquire 100 percent of The Commerce Bank of

Oregon (In Organization), Portland, Oregon.

ZIONS BANCORPORATION

* 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

2209553 HERITAGE BK OF CMRC, SAN JOSE, CALIFORNIA 04/18/2005 08/11/2005 S Large Bank

CRA Examinations scheduled for Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

1ST PACIFIC BK CA SAN DIEGO, CALIFORNIA

PACIFIC ST BK STOCKTON, CALIFORNIA

SPECTRUM BK MONTEBELLO, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act