Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 49

Week Ending December 3, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions November 27, 2005 to December 3, 2005

Advisory Councils

Thrift Institutions Advisory Council -- appointment of five new members and 

designation of Roy M. Whitehead as president and David Russell Taylor as vice 

president for 2006.

- Announced, November 29, 2005 

Bank Holding Companies

ABC Bancorp, Moultrie, Georgia -- to merge with First National Banc, Inc., St. 

Marys, and thereby acquire its subsidiaries, First National Bank, St. Marys, and 

First National Bank, Orange Park, Florida.

- Approved, November 29, 2005 

Forms

Forms -- final Board review to extend with revision the Report of Terms of Credit 

Card Plans (FR 2572) and Survey of Terms of Lending (FR 2028), and to 

discontinue the Monthly Survey of Industrial Electricity Use (FR 2009a, 2009b, and 

2009c).

- Approved, November 30, 2005 

Enforcement

County Bank, Merced, California -- issuance of a consent order of assessment of a 

civil money penalty.

- Announced, November 30, 2005 

(AC) = Addition or Correction Board - Page 1 of 1
November 27, 2005 to December 3, 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

Bank of Commerce, Chelsea, Oklahoma -- to establish a branch at 6655 South 

Lewis Avenue, Suite 150, Tulsa.

- Approved, November 29, 2005 

Kansas City

Big Sky Western Bank, Gallatin Gateway, Montana -- to establish a branch at 55 

Lone Peak Drive, Big Sky.

- Approved, November 30, 2005 

Minneapolis

Big Sky Western Bank, Gallatin Gateway, Montana -- to establish a branch at 300 

Jackrabbit Lane, Belgrade.

- Approved, November 30, 2005 

Minneapolis

Compass Bank, Birmingham, Alabama -- to establish branches at 10633 West Olive 

Avenue, Peoria, Arizona; 13950 North 75th Avenue; 11770 University Boulevard, 

Sugarland, Texas; and 2650 East Southlake Boulevard, Southlake.

- Approved, December 2, 2005 

Atlanta

Pacific Mercantile Bank, Costa Mesa, California -- to establish a branch at 31601 

Avenida Los Cerritos, Suite 100, San Juan Capistrano.

- Approved, December 2, 2005 

San Francisco

Bank Holding Companies

Bank of Montreal, Montreal, Canada; Harris Financial Corp., Wilmington, 

Delaware; and Harris Bankcorp, Inc., Chicago, Illinois -- to engage de novo through 

Harris Investor Services, Inc. in financial and investment advisory activities and 

securities brokerage activities.

- Approved, December 2, 2005 

Chicago

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority November 27, 2005 to December 3, 2005

Bank Holding Companies

BankGreenville Financial Corporation, Greenville, South Carolina -- to become a 

bank holding company and to acquire BankGreenville, a de novo bank.

- Approved, December 1, 2005 

Richmond

Capitol Bancorp, Ltd., Lansing, Michigan, and Capitol Development Bancorp 

Limited III -- to acquire 51 percent of the shares of Bank of Santa Barbara, Santa 

Barbara, California, a de novo bank.

- Approved, December 2, 2005 

Chicago

CCB Corporation, Kansas City, Missouri -- to merge with Acquisition Corporation, 

Leawood, Kansas, parent of MidAmerican Bank and Trust Company, National 

Association, Leavenworth.

- Approved, December 1, 2005 

Kansas City

CenterBank Financial, Inc., Northfield, Illinois -- to become a bank holding 

company and to acquire CenterBank and Trust, National Association, Deerfield, a 

de novo bank.

- Approved, November 29, 2005 

Chicago

Community Bancshares, Inc., Kingman, Arizona -- to become a bank holding 

company and to acquire Mission Bank.

- Approved, November 29, 2005 

San Francisco

Cornerstone Bancshares, Inc., Hixson, Tennessee, and EFI Acquisition, Inc. -- to 

acquire the assets and assume the liabilities of Eagle Financial LLC, Chattanooga, 

and Eagle Funding, LLC, and thereby engage in providing factoring and loan 

brokerage services to small businesses.

- Approved, November 30, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority November 27, 2005 to December 3, 2005

Bank Holding Companies

Gwinnett Commercial Group, Inc., Lawrenceville, Georgia -- to merge with Buford 

Banking Group, Inc., Buford, and thereby acquire its subsidiary, Lanier Community 

Bank.

- Approved, December 1, 2005 

Atlanta

New Horizons Bancshares, Inc., East Ellijay, Georgia -- relief from a commitment.

- Withdrawn, November 29, 2005 

Atlanta

PBSC Financial Corporation, Greenville, South Carolina -- to become a bank 

holding company and to acquire Pinnacle Bank of South Carolina, a de novo bank.

- Approved, November 29, 2005 

Richmond

Salem Five Bancorp, Salem, Massachusetts -- to become a mutual bank holding 

company and to acquire Salem Five Cents Savings Bank and Heritage Co-operative 

Bank.

- Approved, December 2, 2005 

Boston

Vision Bancshares, Inc., Panama City, Florida -- relief from a commitment.

- Granted, December 1, 2005 

Atlanta

West Bancorporation, Inc., West Des Moines, Iowa -- to acquire Investors 

Management Group, Des Moines, and thereby engage in financial and investment 

advisory activities and agency transactional services.

- Approved, November 28, 2005 

Chicago

Bank Mergers

Five Points Bank, Grand Island, Nebraska -- to purchase certain assets and assume 

certain liabilities of the Summer branch of Five Points Bank of Hastings, Hastings, 

and thereby establish a branch.

- Approved, December 1, 2005 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority November 27, 2005 to December 3, 2005

Bank Premises

Bryn Mawr Trust Company, Bryn Mawr, Pennsylvania -- to increase its investment 

in bank premises.

- Approved, November 29, 2005 

Philadelphia

Banks, State Member

AmSouth Bank, Birmingham, Alabama -- to make certain public welfare 

investments.

- Approved, November 23, 2005 (AC)

Director, BS&R

FirsTier Bank, Upton, Wyoming -- request for an exemption from section 23A of 

the Federal Reserve Act to purchase the premises for a branch from an affiliate.

- Granted, November 22, 2005 (AC)

Director, BS&R

Change In Bank Control

Holly Springs Bancshares, Inc., Holly Springs, Mississippi -- notices to retain 

control of Holly Springs Bancshares, Inc.

- Permitted, December 2, 2005 

St. Louis

Northern Financial Corporation, Independence, Wisconsin -- change in bank control.

- Permitted, November 28, 2005 

Minneapolis

R&J Financial Corporation, Elma, Iowa -- change in bank control.

- Permitted, December 2, 2005 

Chicago

Spearman Bancshares, Inc., Spearman, Texas -- change in bank control.

- Permitted, November 28, 2005 

Dallas

Walker Ban Co., Walker, Minnesota -- change in bank control.

- Permitted, December 2, 2005 

Minneapolis

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority November 27, 2005 to December 3, 2005

Competitive Factors Reports

Cleo State Bank, Cleo Springs, Oklahoma -- reports on competitive factors of the 

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

Guaranty Bank, Meno, and of the proposed merger of Meno Guaranty Bank with 

The Farmers State Bank, Hazelton, Kansas.

- Submitted, November 28, 2005 

Kansas City

First Bank of the South, Lawrenceville, Georgia -- report on competitive factors of 

the proposed merger with Lanier Community Bank, Buford.

- Submitted, November 29, 2005 

Atlanta

The First National Bank of Hughes Springs, Hughes Springs, Texas -- report on 

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

of the Harleton branch of BancorpSouth Bank, Tupelo, Mississippi.

- Submitted, November 28, 2005 

St. Louis

Great Western Bank, Watertown, South Dakota -- report on competitive factors of 

the proposed merger with Security Bank, Madison.

- Submitted, December 1, 2005 

Minneapolis

Greater Community Bank, Totowa, New Jersey -- report on competitive factors of 

the proposed merger with Bergen Commercial Bank, Paramus, and Rock 

Community Bank, Little Falls.

- Submitted, December 1, 2005 

New York

Harris National Association, Chicago, Illinois -- report on competitive factors of the 

proposed merger with NLSB, New Lenox.

- Submitted, December 2, 2005 

Chicago

Marine Bank, Wauwatosa, Wisconsin -- report on competitive factors of the 

proposed merger with Marine Bank, Scottsdale, Arizona.

- Submitted, December 2, 2005 

Chicago

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority November 27, 2005 to December 3, 2005

Competitive Factors Reports

The National Bank, Edina, Minnesota -- report on competitive factors of the 

proposed merger with The National Bank, Bettendorf, Iowa.

- Submitted, December 2, 2005 

Chicago

Parke Bank, Sewell, New Jersey -- report on competitive factors of the proposed 

merger with Parke Interim Bank, Philadelphia, Pennsylvania, as part of a corporate 

reorganization.

- Submitted, December 1, 2005 

Philadelphia

Peak National Bank, Nederland, Colorado -- report on competitive factors of the 

proposed merger with First State Bank, Idaho Springs.

- Submitted, November 29, 2005 

Kansas City

Peoples Bank, Rock Valley, Iowa -- report on competitive factors of the proposed 

merger with Jasper State Bank, Jasper, Minnesota.

- Submitted, December 2, 2005 

Chicago

Rabobank, National Association, El Centro, California -- report on competitive 

factors of the proposed merger with Community Bank of Central California, Salinas.

- Submitted, November 30, 2005 

San Francisco

Security Bank of Bibb County, Macon, Georgia -- report on competitive factors of 

the proposed merger with Rivoli Bank and Trust.

- Submitted, November 29, 2005 

Atlanta

The Yukon National Bank, Yukon, Oklahoma -- report on competitive factors of the 

proposed merger with Peoples Bank, Oklahoma City.

- Submitted, November 29, 2005 

Kansas City

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority November 27, 2005 to December 3, 2005

Extensions Of Time

Arvest Bank, Fayetteville, Arkansas -- extension to December 31, 2005, to establish 

a branch at 218 West Henry De Tonti Boulevard, Tontitown.

- Granted, November 29, 2005 

St. Louis

Citibank, N.A., New York, New York -- extension of time on behalf of Citibank 

Overseas Investment Corporation, New Castle, Delaware, and Citicorp Finance 

(Thailand) Limited, Bangkok, Thailand, to divest an interest in certain property 

acquired in settlement of a debt previously contracted.

- Granted, November 22, 2005 (AC)

Secretary

Pocono Community Bank, Stroudsburg, Pennsylvania -- extension to November 19, 

2006, to establish a branch at Route 611, Swiftwater.

- Granted, November 29, 2005 

Philadelphia

Univest Corporation of Pennsylvania, Souderton, Pennsylvania -- extension to 

February 20, 2006, to retain 8.53 percent and to acquire up to 9.9 percent of the 

shares of New Century Bank, Phoenixville.

- Granted, November 30, 2005 

Philadelphia

Financial Holding Companies

Claiborne Holding Company, Inc., Tazewell, Tennessee -- election to become a 

financial holding company.

- Effective, December 1, 2005 

Atlanta

Membership

Berea Community Bank, Inc., Berea, Ohio -- to retain membership in the Federal 

Reserve System on conversion from a national to a state charter.

- Approved, December 2, 2005 

Cleveland

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority November 27, 2005 to December 3, 2005

Membership

Sunrise Bank, Cocoa Beach, Florida -- to become a member of the Federal Reserve 

System.

- Approved, December 1, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 8 of 8
H.2 Actions under delegated authority November 27, 2005 to December 3, 2005

Membership

Sunrise Bank, Cocoa Beach, Florida -- to become a member of the Federal Reserve 

System.

- Approved, December 1, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 8 of 8
H.2 Actions under delegated authority November 27, 2005 to December 3, 2005

Membership

Sunrise Bank, Cocoa Beach, Florida -- to become a member of the Federal Reserve 

System.

- Approved, December 1, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 8 of 8
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending December 3, 2005

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 3, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

11/29/2005

Final application by CheckSpring Community

Corporation, a Delaware corporation

headquartered in Bronx, New York, for prior

approval of the Board of Governors of the

Federal Reserve System, pursuant to Section

3(a)(1) of the Bank Holding Company Act of

1956, as amended, to become a bank holding

company through the acquisition of all the

voting stock to be issued by CheckSpring Bank

(in organization), a proposed de novo New

York State chartered commercial Bank.

CHECKSPRING COMMUNITY

CORPORATION

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A. (Citibank) and its Edge

corporation subsidiary, Citibank Overseas

Investment Corporation (COIC) 30 days' Prior

Notice under Section 211.9(f) of Reg. K to

make additional investments in Citibank

Consumer Finance India Limited

(CCFIL),New Delhi, India in excess of the

individual limit set forth in Section 211.9(c)(1)

of Regulation K. [A portion of filing is

CONFIDENTIAL]

CITIBANK, N.A.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A., New York, New York, and its

Edge Corporation subsidiary, Citibank

Overseas Investment Corporation, to inject

additional capital into Diners Italia, Rome,

Italy and DC UK, London, England.

CITIBANK, N.A.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Notice by Bank Hapoalim B.M., Arison

Holdings Ltd. and Israel Salt Industries Ltd. all

of Tel Aviv, Israel to acquire Investec USA,

New York, NY and thereby engage in

nonbanking activities pursuant to Sections

225.28(b)(6), (7) and (8) of Regulation Y.

ISRAEL SALT INDUSTRIES

LTD.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Application by Rabobank Nederland B.V. and

Rabobank International Holdings B.V both of

Utrecht, the Netherlands, and their direct and

indirect subsidiairies Utrect-America Holdings,

New York, New York and VIB Corporation, El

Centro, California to acquire Central Coast

Bancorp and thereby its banking subsidiairy

Community Bank of Central California, both

of Salinas, California pursuant to Section

3(a)(3) of the BHCA.

RABOBANK NEDERLAND

* 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 3, 2005

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 3, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Notification by Fifth Third Bank, Grand 12/08/2005

Rapids, MI of its intent to establish a branch at

1 South Dearborn Street, Suite 110, Chicago,

IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Notification by Fifth Third Bank, Grand 12/08/2005

Rapids, MI of its intent to establish a branch at

2934 North Milwaukee Avenue, Unit A,

Chicago, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

CIC Not available

Not available

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

* 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 3, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 12/16/2005

12/27/2005

Atlantic Bancshares, Inc., Bluffton, South

Carolina, to become a bank holding company

through the acquisition of 100% of the voting

securities of Atlantic Community Bank,

Bluffton, South Carolina (in organization).

ATLANTIC BANCSHARES,

INC.

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Citizens Bank & Trust Company, Blackstone,

Virginia, to increase its investment in bank

premises in the amount of $95,000.

CITIZENS BANK AND TRUST

COMPANY

* 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

2897736 COMMERCEFIRST BK, ANNAPOLIS, MARYLAND 08/15/2005 11/14/2005 S Small Bank

417626 PUTNAM CTY BK, HURRICANE, WEST VIRGINIA 08/08/2005 11/09/2005 S Large Bank

3267185 RIVER CITY BK, MECHANICSVILLE, VIRGINIA 08/15/2005 11/10/2005 S Small Bank

2514547 SOUTHERN CMNTY B&TC, WINSTON-SALEM, NORTH CAROLINA 06/27/2005 09/29/2005 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending December 3, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 12/26/2005

12/19/2005

Alabama National BanCorporation,

Birmingham, Alabama, to merge with Florida

Choice Bankshares, Inc., and thereby acquire

its subsidiary, Florida Choice Bank, both of

Mt. Dora, Florida.

ALABAMA NATIONAL

BANCORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

CNLBancshares, Inc., Orlando, Florida, prior

notice to acquire CMG Capital Management,

Inc., Maitland, Florida, and thereby engage in

financial and investment advisory activities.

CNLBANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

First Federal Bancorp, Columbia, Mississippi,

a thrift holding company, to become a bank

holding company upon the conversion of its

wholly-owned thrift subsidiary, First Federal

Bank for Savings, Columbia, Mississippi, to a

state nonmember bank, to be known as First

Southern Bank, Columbia, Mississippi.

FIRST FEDERAL BANCORP

Newspaper:

Federal Register:

CIC Not available

Not available

General Bancshares, Inc., Jasper, Tennessee

(Bancshares), prior change in control filed by

Clara Brown, Jasper, Tennessee, to acquire

1.62 percent of the outstanding stock of

General Bancshares, Inc., and its subsidiary

bank, Citizens State Bank, Jasper, Tennessee.

Pro forma total ownership will be 12.32

percent.

GENERAL BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

12/22/2005

Liberty Shares, Inc., Hinesville, Georgia, to

acquire 100 percent of the outstanding shares

of Peoples Banking Corporation, and thereby

indirectly acquire Peoples Bank, both of

Blackshear, Georgia.

LIBERTY SHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 12/04/2005

a branch located at 145 King Street, Suite 101,

Charleston, South Carolina, to be known as the

King and Queen Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 12/07/2005

a branch located at 19391 Lansdowne

Boulevard, Leesburg, Virginia, to be known as

the Lansdowne 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 3, 2005

Filer Filing Type Filing Proposal End of Comment Period

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:

* 18C

* Branch Not applicable

Chemical Bank and Trust Company, Midland, 12/08/2005

Michigan, to merge with Chemical Bank West,

Walker, Michigan and Chemical Bank

Shoreline, Benton Harbor, Michigan, and

thereby to establish 71 branches.

CHEMICAL BANK AND

TRUST COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 11/25/2005

a branch facility to be located at 7789

Sashabaw Road, Clarkston, Michigan.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

FBOP Corporation, Oak Park, Illinois, to

acquire 28.26 percent of the voting shares of

Community Bank of Lemont, Lemont, Illinois.

FBOP CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

12/19/2005

First Internet Bancorp, Indianapolis, Indiana,

to become a bank holding company by

acquiring 100 percent of the voting shares of

First Internet Bank of Indiana, Indianapolis,

Indiana.

FIRST INTERNET BANCORP

Newspaper:

Federal Register:

Member Not applicable

Not applicable

The First National Bank of Manhattan,

Manhattan, Illinois, to become a member of

the Federal Reserve System.

FIRST NATIONAL BANK OF

MANHATTAN, THE

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.

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

Federal Reserve Bank of Chicago

Filings received during the week ending December 3, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

4c8 12/29/2005

Marshall & Ilsley Corporation, Milwaukee,

Wisconsin, to acquire 100 percent of the voting

shares of Gold Banc Corporation, Inc.,

Leawood, Kansas, and thereby indirectly

acquire Gold Bank, Leawood, Kansas, Gold

Capital Management, Inc. Overland Park,

Kansas, and thereby to engage in

broker-dealer/investment advisor activities, and

Gold Trust Company, Saint Joseph, Missouri,

and thereby to engage in trust company

activities.

MARSHALL & ILSLEY

CORPORATION

Newspaper:

Federal Register:

* 3A1

4c8

12/10/2005

12/12/2005

STC Bancshares Corp., St. Charles, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of STC

Capital Bank (in organization), St. Charles,

Illinois, and the notification to engage de novo

in extending credit and servicing loans.

STC BANCSHARES CORP.

* 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 3, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

King Bancorp, Inc., Louisville, Kentucky, to

engage in lending.

KING BANCORP, INC.

Newspaper:

Federal Register:

* 3A5

* 18C

* Branch

Not available

Lincoln County Bancorp, Inc., Troy, Missouri, 12/23/2005

to merge with Centennial Bancshares

Corporation, Elsberry, Missouri, and thereby

indirectly acquire Bank of Lincoln County,

Elsberry, Missouri. Also, Peoples Bank &

Trust Co., Troy, Missouri, to purchase the

assets and assume the liabilities of Bank of

Lincoln County, Elsberry, Missouri, and to

retain the acquired main office facility as a

branch office.

LINCOLN COUNTY

BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

12/30/2005

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

Employee Stock Ownership Plan, Newport,

Arkansas, to become a bank holding company

by acquiring an additional 1.7 percent for total

ownership of 26.6 percent of M&P 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:

* 4c8 12/26/2005

12/27/2005

Reliance Bancshares, Inc., Des Peres,

Missouri, to acquire 100 percent of Reliance

Bank, FSB, Fort Meyers, Florida (in

organization), and thereby operate a savings

association.

RELIANCE BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A5 Not available

Not available

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

Trubank Securities Voting Trust, Clayton,

Missouri, and Truman Bancorp, 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 3, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/30/2005

12/02/2005

Shirley A. Davidson; the Shirley A. Davidson

Marital Trust, Shirley A. Davidson trustee;

Tamara M. Davidson-Sogard; the Tamara M.

Davidson-Sogard Family Generation Skipping

Trust, Tamara M. Davidson-Sogard trustee;

Patrick Oliver Sogard; Barrett W. Sogard; the

Barrett W. Sogard Trust; Isabella M. Sogard;

the Isabella M. Sogard Trust; Oliver T.

Sogard; the Oliver T. Sogard Trust; Thomas P.

Sogard; and the Thomas P. Sogard Trust all of

Williston, North Dakota and Thomas M.

Davidson, Jr. and the Thomas M. Davidson Jr.

Family Generation Skipping Trust, Thomas M.

Davidson Jr. trustee of Minneapolis,

Minnesota, a group acting in concert, to

acquire 25 percent or more of the shares of

American State Bank Holding Company, Inc.,

Williston, North Dakota, and thereby indirectly

gain control of American State Bank & Trust

Company of Williston, Williston, North

Dakota. In addition, Shirley A. Davidson,

Tamara M. Davidson-Sogard, and Patrick O.

Sogard to individually acquire 25 percent or

more of the shares of American State Bank

Holding Company, Inc., Williston, North

Dakota, and thereby indirectly gain control of

American State Bank & Trust Company of

Williston, Williston, North Dakota.

AMERICAN STATE BANK

HOLDING COMPANY, INC.

Newspaper:

Federal Register:

* 3A1 12/23/2005

12/30/2005

BV Bancshares, Inc., Minneapolis, Minnesota

to become a bank holding company by

acquiring 100 percent of Stonebridge Bank,

Minneapolis, Minnesota, a de novo bank.

BV BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 12/09/2005

12/06/2005

Change in control notice by Paul J. Hanisch,

Crosby, North Dakota, to acquire 25 percent or

more of the shares of Hanisch Bankshares,

Ltd., Crosby, North Dakota and thereby

indirectly acquire control of Farmers State

Bank of Crosby, Crosby, North Dakota.

HANISCH BANKSHARES,

LTD.

* 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

865450 PROFINIUM FNCL, TRUMAN, MINNESOTA 08/22/2005 11/25/2005 S Small Bank

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 3, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

12/30/2005

United Bancorporation of Wyoming, Inc.,

Jackson, Wyoming, to acquire 100 percent of

the voting shares of First National Bank

Holding Company, Inc., and thereby indirectly

acquire First National Bank of Pinedale, both

in Pinedale, Wyoming.

UNITED BANCORPORATION

OF WYOMING, 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 3, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 12/11/2005

12/19/2005

ST Banc Corp., McAllen, Texas, to become a

bank holding company by acquiring 100

percent of South Texas Bancorp, Hebbronville,

Texas, and indirectly acquire South Texas

Bancorp of Delaware, Inc., Wilmington,

Delaware, and Hebbronville State Bank,

Hebbronville, Texas.

ST BANC CORP.

* 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 3, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Sacramento, Sacramento, California, 12/23/2005

to establish a branch facility at 1415 L Street,

Suite 100, Sacramento, California.

BANK OF SACRAMENTO

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 Not available

12/22/2005

Oregon Coast Bancshares, Inc., Newport,

Oregon, to become a bank holding company by

acquiring 100 percent of Oregon Coast Bank,

Newport, Oregon.

OREGON COAST

BANCSHARES, INC.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act