Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 34

Week Ending August 26, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions August 20, 2006 to August 26, 2006

Banks, State Member

State Street Bank and Trust Company, Boston, Massachusetts, and State Street 

Corporation -- request for an exception to the Board's risk-based capital guidelines 

for certain securities lending transactions conducted on an agency basis, and 

delegation of authority to the Director of the Division of Banking Supervision and 

Regulation to approve similar requests in the future.

- Granted, August 14, 2006 (AC)

Enforcement

Bank of York, York, Alabama -- issuance of a consent cease and desist order.

- Announced, August 22, 2006 

Regulations And Policies

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

official staff commentary regarding coverage of payroll card accounts (Docket No. 

R-1247), and interim final rule with request for comment regarding electronic 

collection of service fees and electronic check conversion transactions (Docket No. 

R-1265).

- Approved, August 21, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
August 20, 2006 to August 26, 2006

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Comerica Bank, Detroit, Michigan -- to establish a branch at 19150 Preston Road, 

Dallas, Texas.

- Approved, August 25, 2006 

Secretary

Comerica Bank, Detroit, Michigan -- to establish a branch at 6255 West Sunset 

Boulevard, Los Angeles, California.

- Approved, August 25, 2006 

Secretary

Community Bank of Nevada, Las Vegas, Nevada -- to establish a branch at 5785 

Centennial Center Boulevard.

- Approved, August 22, 2006 

San Francisco

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 300 South Hamilton 

Road, Gahanna.

- Approved, August 25, 2006 

Cleveland

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 6390 Steubenville 

Pike, Pittsburgh, Pennsylvania.

- Approved, August 25, 2006 

Cleveland

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 1566 Hal Greer 

Boulevard, Huntington, West Virginia.

- Approved, August 25, 2006 

Cleveland

Fifth Third Bank, Cincinnati, Ohio -- to establish a limited service branch at 3890 

Bigelow Boulevard, Pittsburgh, Pennsylvania.

- Approved, August 25, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority August 20, 2006 to August 26, 2006

Bank Branches, Domestic

First Bank & Trust, Evanston, Illinois -- to establish a branch at 8047 Skokie 

Boulevard, Skokie.

- Approved, August 21, 2006 

Chicago

First Midwest Bank, Itasca, Illinois -- to establish a branch at 16051 Weber Road, 

Crest Hill.

- Approved, August 23, 2006 

Chicago

Kearney Commercial Bank, Kearney, Missouri -- to establish a branch at 930 West 

Liberty Drive, Liberty, and to increase its investment in bank premises.

- Approved, August 23, 2006 

Kansas City

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

branch at 1500 Blenheim Farm Lane, Havre de Grace, Maryland.

- Approved, August 22, 2006 

New York

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

branch at 11003 Manklin Creek Road, Berlin, Maryland.

- Approved, August 23, 2006 

New York

Regions Bank, Birmingham, Alabama -- to establish a branch at the intersection of 

I-35 and Onion Creek Parkway, Austin, Texas.

- Approved, August 22, 2006 

Atlanta

Security State Bank, Basin, Wyoming -- to establish a branch at 625 East 5th Street, 

Suite 103, Sheridan.

- Approved, August 22, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority August 20, 2006 to August 26, 2006

Bank Branches, Domestic

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at 314 East 

Market Street, Leesburg.

- Approved, August 21, 2006 

Richmond

Bank Holding Companies

Ameri-National Corporation, Leawood, Kansas -- to acquire Heritage Bank, 

National Association, Phoenix, Arizona, a de novo bank.

- Approved, August 24, 2006 

Kansas City

Community Bancshares of Mississippi, Inc. Employee Stock Ownership Plan, 

Brandon, Mississippi -- to acquire additional shares, to a maximum ownership of 

20.96 percent, of Community Bancshares of Mississippi, Inc. and thereby acquire its 

subsidiaries, Community Bank of Amory, Amory; Community Bank of Mississippi, 

Forest; Community Bank, Meridian, Meridian; Community Bank, Ellisville, 

Ellisville; Community Bank, Coast, Biloxi; Community Bank, National 

Association, Memphis, Tennessee; First Lucedale Bancorp, Inc., Lucedale, 

Mississippi; and Community Bank, National Association, Lucedale.

- Approved, August 21, 2006 

Atlanta

Farmers Capital Bank Corporation, Frankfort, Kentucky -- to acquire Citizens 

National Bancshares, Inc., Nicholasville, and Citizens National Bank of Jessamine 

County.

- Approved, August 25, 2006 

St. Louis

Independence Bancshares, Inc., Owensboro, Kentucky -- to acquire Community 

Bancorp of McLean County, Kentucky, Inc., Island, and thereby acquire First 

Security Bank and Trust; and for Independence Bancshares Acquisition, LLC, 

Owensboro, to become a bank holding company and to acquire Community Bancorp 

of McLean County, Island, and thereby acquire First Security Bank and Trust.

- Withdrawn, August 24, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority August 20, 2006 to August 26, 2006

Bank Holding Companies

Oakland Financial Services, Inc., Oakland, Iowa -- to increase its ownership to 33.3 

percent of the shares of Otoe County Bancorporation, Inc., Nebraska City, 

Nebraska, and thereby increase its ownership of Otoe County Bank & Trust 

Company.

- Approved, August 21, 2006 

Chicago

Park National Corporation, Newark, Ohio -- to acquire The Park National Bank of 

Kentucky, Florence, Kentucky.

- Approved, August 25, 2006 

Cleveland

Piedmont Community Bank Group, Inc., Gray, Georgia -- to become a bank holding 

company and to acquire Piedmont Community Bank.

- Withdrawn, August 23, 2006 

Atlanta

Southeastern Bank Financial Corporation, Augusta, Georgia -- to acquire Southern 

Bank & Trust, Aiken, South Carolina, a de novo savings association.

- Approved, August 23, 2006 

Atlanta

Southwest Company, Sidney, Iowa -- to increase its ownership to 33.3 percent of the 

shares of Otoe County Bancorporation, Inc., Nebraska City, Nebraska, and thereby 

increase its ownership of Otoe County Bank & Trust Company.

- Approved, August 21, 2006 

Chicago

Unity Bancorp, Inc., Clinton, New Jersey -- waiver of application in connection with 

Unity Bank's proposed expansion of banking operations into Pennsylvania.

- Granted, August 24, 2006 

New York

Western Alliance Bancorporation, Las Vegas, Nevada -- to acquire Alta Alliance 

Bank, Oakland, California, a de novo bank.

- Approved, August 21, 2006 

San Francisco

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority August 20, 2006 to August 26, 2006

Bank Premises

Benchmark Community Bank, Kenbridge, Virginia -- to increase its investment in 

bank premises.

- Approved, August 24, 2006 

Richmond

Change In Bank Control

Little Sioux Bancshares, Inc., Sioux Rapids, Iowa -- to retain control of Little Sioux 

Bancshares, Inc.

- Permitted, August 21, 2006 

Chicago

Oakwood Bancorp, Inc., Springfield, Illinois -- change in bank control.

- Permitted, August 24, 2006 

Chicago

River Valley Bancorp, Inc., Davenport, Iowa -- change in bank control.

- Permitted, August 25, 2006 

Chicago

Texico Bancshares Corporation, Texico, Illinois -- change in bank control.

- Withdrawn, August 22, 2006 

St. Louis

Competitive Factors Reports

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

proposed merger with First Bartlesville Bank, Bartlesville.

- Submitted, August 22, 2006 

Kansas City

First National Bank of Nassau County, Fernandina Beach, Florida -- report on 

competitive factors of the proposed merger with Cairo Banking Company, Cairo, 

Georgia.

- Submitted, August 21, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority August 20, 2006 to August 26, 2006

Competitive Factors Reports

FirsTier Bank, Kimball, Nebraska -- report on competitive factors of the proposed 

merger with FirsTier Bank, Wyoming, Cheyenne, Wyoming.

- Submitted, August 25, 2006 

Secretary

The National Bank of Gainesville, Gainesville, Georgia, and its successor, The 

Bank of Our Community, National Association -- report on competitive factors of 

the proposed purchase of 12 Georgia branches of SunTrust Bank, Atlanta.

- Submitted, August 25, 2006 

Secretary

Sonabank, National Association, Charlottesville, Virginia -- report on competitive 

factors of the proposed merger with 1st Service Bank, McLean.

- Submitted, August 24, 2006 

Richmond

U.S. Bank National Association, Cincinnati, Ohio -- report on competitive factors of 

the proposed merger with U.S. Bank Freight Payment Services, Inc., Homewood, 

Illinois.

- Submitted, August 22, 2006 

Minneapolis

Unity Bank, Clinton, New Jersey -- report on competitive factors of the proposed 

interim merger with Unity Bank Pennsylvania (in organization), Forks Township, 

Pennsylvania.

- Submitted, August 24, 2006 

New York

Extensions Of Time

Clear Mountain Bank, Bruceton Mills, West Virginia -- extension to January 31, 

2007, to purchase certain assets and assume certain liabilities of the Rowlesburg 

branch of First Community Bank, National Association, Bluefield, Virginia.

- Granted, August 24, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority August 20, 2006 to August 26, 2006

Extensions Of Time

Compass Bank, Birmingham, Alabama -- extension to November 4, 2007, to 

establish a branch at the intersection of San Jose Boulevard and Race Track Road, 

Jacksonville, Florida.

- Granted, August 22, 2006 

Atlanta

Compass Bank, Birmingham, Alabama -- extension to December 2, 2007, to 

establish a branch at 10633 West Olive Avenue, Peoria, Arizona.

- Granted, August 22, 2006 

Atlanta

County Bank, Merced, California -- extension to August 10, 2007, to establish a 

temporary branch at 451 Clovis Avenue, Clovis, and subsequently establish a 

permanent branch at 536 Clovis Avenue.

- Granted, August 21, 2006 

San Francisco

M&P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan, 

Newport, Arkansas -- extension to November 23, 2006, to become a bank holding 

company and to acquire additional shares, for a total ownership of 26.58 percent, of 

M&P Community Bancshares, Inc. and thereby acquire Greers Ferry Lake State 

Bank, Heber Springs, and Merchants & Planters Bank, Newport; and election to 

become a financial holding company.

- Granted, August 24, 2006 

St. Louis

Sky Financial Group, Inc., Bowling Green, Ohio -- extension to November 24, 

2006, to acquire up to 9.99 percent of the shares of LNB Bancorp, Lorain.

- Granted, August 24, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 7 of 7
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending August 26, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

09/18/2006

Hampden Bancorp, Inc., Springfield,

Massachusetts to acquire 100% of the

outstanding capital stock of Hampden Bank,

Springfield, Massachusetts pursuant to section

3(a)(1) of the BHC Act in connection with the

reorganization of Hampden Bancorp, MHC,

Springfield, Massachusetts from mutual to

stock form.

HAMPDEN BANCORP, MHC

Newspaper:

Federal Register:

* 3A3 09/01/2006

09/05/2006

Meridian Financial Sevices, Inc. and its

wholly-owned subsidiary, Meridian Interstate

Bancorp, Inc., both of East Boston,

Massachusetts, to acquire up to 40% of

Hampshire First Bank, Manchester, New

Hampshire (in formation) pursuant to section

3(a)(3) of the BHC Act.

Meridian Financial Sevices, Inc. and its

wholly-owned subsidiary, Meridian Interstate

Bancorp, Inc., both of East Boston,

Massachusetts, to acquire up to 40% of

Hampshire First Bank, Manchester, New

Hampshire (in formation) pursuant to section

3(a)(3) of the BHC Act.

MERIDIAN FINANCIAL

SERVICES, INC

Newspaper:

Federal Register:

Foreign Branch Not applicable

Not applicable

State Street Bank and Trust Company, Boston,

Massachusetts to establish a foreign branch in

Mumbai, India pursuant to section 211.3(b)(3)

of the Board's Regulation K.

STATE STREET BANK AND

TRUST COMPANY

Newspaper:

Federal Register:

* 3A5

* 3A3

09/09/2006

09/07/2006

Application by Webster Financial Corporation,

Waterbury, Connecticut to acquire NewMil

Bancorp, Inc. and its subsidiary bank, NewMil

Bank, both of New Milford, Connecticut,

pursuant to sections 3(a)(3) and 3(a)(5) of the

Bank Holding Company Act of 1956, as

amended.

WEBSTER FINANCIAL

CORPORATION

* 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 2006 (October 1, 2006 - December 31, 2006)

Institution Location

BK OF EASTON A CO-OP BK NORTH EASTON, MASSACHUSETTS

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

Federal Reserve Bank of New York

Filings received during the week ending August 26, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/27/2006

08/25/2006

Banco Bilbao Vizcaya Argentaria, S.A.,

Bilbao, Spain, proposes to acquire Texas

Regional Bancshares, Inc., McAllen, Texas;

Texas Regional Delaware, Inc., Wilmington,

Delaware; and thereby indirectly acquire Texas

State Bank, McAllen, Texas, pursuant to

Section 3(a)(3) of the Bank Holding Company

Act of 1956, as amended.

BANCO BILBAO VIZCAYA

ARGENTARIA, S.A.

Newspaper:

Federal Register:

* 3A3 08/27/2006

08/25/2006

Banco Bilbao Vizcaya Argentaria, S.A.,

Bilbao, Spain, proposes to acquire State

National Bancshares, Inc., Fort Worth, Texas;

State National Bancshares of Delaware, Inc.,

Dover, Delaware; and thereby indirectly

acquire State National Bank, Fort Worth,

Texas, pursuant to Section 3(a)(3) of the Bank

Holding Company Act of 1956, as amended.

BANCO BILBAO VIZCAYA

ARGENTARIA, S.A.

Newspaper:

Federal Register:

* Branch

Not applicable

M&T Bank, Buffalo, New York requests 09/02/2006

approval to open and occupy a full-service

branch to be located at 9214 Center Street,

Manassas, Virginia.

MANUFACTURERS AND

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Export-Import Bank of Ukraine ("EXIM

Bank")Kiev, Ukraine, to establish a

representative office in New York, New York,

pursuant to Section 10(a) of the International

Banking Act of 1978, as amended, and Section

211.24(a)(1) of Regulation K.

STATE EXPORT-IMPORT

BANK OF UKRAINE, INC.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Fourth Quarter of 2006 (October 1, 2006 - December 31, 2006)

Institution Location

ALDEN ST BK ALDEN, NEW YORK

BANK OF MILLBROOK MILLBROOK, NEW YORK

BANK OF SMITHTOWN SMITHTOWN, NEW YORK

BPD BK NEW YORK, NEW YORK

DEUTSCHE BK TC AMERICAS NEW YORK, NEW YORK

FIRST ST BK CANISTEO NY CANISTEO, NEW YORK

GOTHAM BK OF NEW YORK NEW YORK, 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 26, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Premises Not applicable

Orrstown Bank, Shippensburg, PA, to establish

a branch by purchasing the assets and

assuming the liabilities of a branch of Omega

Bank, State College, PA, located at 1110 East

Simpson Street, Mechanicsburg, PA.

ORRSTOWN BANK

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Fourth Quarter of 2006 (October 1, 2006 - December 31, 2006)

Institution Location

FIRST PENN BK PHILADELPHIA, PENNSYLVANIA

SUSQUEHANNA BK PA LITITZ, PENNSYLVANIA

SUSQUEHANNA PATRIOT BK MARLTON, NEW JERSEY

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

Federal Reserve Bank of Cleveland

Filings received during the week ending August 26, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 08/19/2006

limited service bank branch at 3890 Bigelow

Boulevard, Pittsburgh, Pennsylvania

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 08/19/2006

bank branch at 6390 Steubenville Pike,

Pittsburgh, Pennsylvania

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Perpetual Savings Bank, Wellsville, Ohio, to

merge with Sky Bank, Salineville, Ohio, and

incident thereo, establish branches pursuant to

Section 9 of the Federal Reserve Act

PERPETUAL SAVINGS BANK

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

Not available

Sky Financial Group, Inc., Bowling Green,

Ohio, proposes to acquire 100 percent of Wells

River Bancorp, Inc., Wellsville, Ohio, and

thereby indirectly acquire Perpetual Savings

Bank, Wellsville, Ohio.

SKY FINANCIAL GROUP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

09/14/2006

SV Bancorp, Inc., Wyoming, Ohio, to become

a bank holding company by acquiring 100

percent of the voting shares of Spring Valley

Bank, Wyoming, Ohio

SV BANCORP, 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 2006 (October 1, 2006 - December 31, 2006)

Institution Location

ANDOVER BK ANDOVER, OHIO

CORN CITY ST BK DESHLER, OHIO

FARMERS CITIZENS BK BUCYRUS, OHIO

HOCKING VALLEY BK ATHENS, OHIO

KILLBUCK SVG BK CO KILLBUCK, OHIO

NORTH SIDE B&TC CINCINNATI, OHIO

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

Federal Reserve Bank of Richmond

Filings received during the week ending August 26, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 08/11/2006

08/18/2006

Congaree Bancshares, Inc., West Columbia,

South Carolina, to become a bank holding

company by acquiring 100% of Congaree State

Bank, West Columbia, South Carolina (in

organization).

Congaree Bancshares, Inc.

Newspaper:

Federal Register:

* Branch

Not applicable

Fidelity Bank, Hagerstown, Mayland, a 09/15/2006

division of Farmers & Mechanics, Frederick,

Maryland, proposes to establish a branch at

12916 Conamar Drive, Hagerstown, Maryland.

FARMERS & MECHANICS

BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Farmers & Merchants Bank, Timberville, 09/08/2006

Virginia, proposes to operate a courier service

in the counties of Shenandoah and Page,

Virginia.

FARMERS & MERCHANTS

BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Rocky Mount, North 08/31/2006

Carolina, to establish a branch at 9105 Town

Center Parkway, Bradenton, Florida.

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Rocky Mount, North 09/04/2006

Carolina, to establish a branch at 10301

Lumley Road, Raleigh, North Carolina.

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Union Bank and Trust Company, Bowling

Green, Virginia, proposes to establish a branch

at the corner of Twin Hickory Boulevard and

Nuckols Road, Glen Allen, Virginia.

UNION 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

NONE

CRA Examinations scheduled for Fourth Quarter of 2006 (October 1, 2006 - December 31, 2006)

Institution Location

BENCHMARK CMNTY BK KENBRIDGE, VIRGINIA

FREDERICK CTY BK FREDERICK, MARYLAND

HOMETOWN BK ROANOKE, VIRGINIA

PUTNAM CTY BK HURRICANE, WEST VIRGINIA

SHORE BK ONLEY, VIRGINIA

UNITED BK FAIRFAX, VIRGINIA

UNITED BK PARKERSBURG, WEST VIRGINIA

VIRGINIA HERITAGE BK FAIRFAX, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending August 26, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 09/20/2006

09/18/2006

Cornerstone Bancorp, Inc., to become a bank

holding company by acquiring 100 percent of

the outstanding shares of Cornerstone

Community Bank, both of St. Petersburg,

Florida.

CORNERSTONE BANCORP,

INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

First Baldwin Bancshares, Inc., notice to

become a bank holding company by acquiring

100 percent of the outstanding shares of First

National Bank of Baldwin County, both of

Foley, Alabama.

FIRST BALDWIN

BANCSHARES, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Peoples BankTrust, Inc., notice to become a

bank holding company by acquiring 100

percent of the outstanding shares of Peoples

Bank & Trust, both of Buford, Georgia.

Peoples BankTrust, Inc.

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Sun American Bank, Boca Raton, Florida, to

acquire certain assets and assume certain

liabilities of Beach Bank, North Miami Beach,

Florida.

SUN AMERICAN 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 Fourth Quarter of 2006 (October 1, 2006 - December 31, 2006)

Institution Location

ALABAMA EXCH BK TUSKEGEE, ALABAMA

CITIZENS TR BK ATLANTA, GEORGIA

FIRST VISION BK OF TN TULLAHOMA, TENNESSEE

ORION BK NAPLES, FLORIDA

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 26, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/18/2006

08/21/2006

Expeditious Action - Anita Bancorporation,

Atlantic, Iowa, to acquire 100 percent of the

voting shares of The First National Bank of

Brewster, Brewster, Minnesota.

ANITA BANCORPORATION

Newspaper:

Federal Register:

* 3A3 09/10/2006

09/14/2006

Capitol Bancorp Limited, Lansing, Michigan,

and Capitol Development Bancorp Limited V,

Lansing, Michigan, to acquire 51 percent of

the voting shares of 1st Commerce Bank (in

organization), North Las Vegas, Nevada.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at Woodlands

Crossing Shopping Center, Woodlands

Parkway near Kuykendahl Road, Spring,

Montgomery County, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Community Bank, Harbor Springs, 09/04/2006

Michigan, to establish a branch facility to be

located at 102 East Front Street, Traverse City,

Michigan.

FIRST COMMUNITY BANK

Newspaper:

Federal Register:

CIC Not available

09/08/2006

Notice by the Hill Family (David Hill,

Ellsworth, IA; Heather Miller, Urbandale, IA;

and Heidi Loverude, Urbandale, IA), as a

group acting in concert, to retain control of 100

percent of Freedom Holdings Company, West

Des Moines, Iowa.

FREEDOM HOLDINGS

COMPANY

Newspaper:

Federal Register:

* 3A1 Not available

4c8 09/15/2006

Lincoln Bancorp, Plainfield, Indiana, to

become a bank holding company upon the

conversion of Lincoln Bank, Plainfield,

Indiana, from a federal savings bank to a state

chartered commercial bank, and to engage de

novo in lending activities.

LINCOLN BANCORP

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Marquette Bank, Chicago, Illinois, to merge

with Hemlock Federal Bank for Savings, Oak

Forest, Illinois, and thereby to establish 6

branches.

MARQUETTE BANK

Newspaper:

Federal Register:

* 3A3 Not available

Member

* 18C

09/05/2006

Ogden Bancshares, Inc., Ames, Iowa, to

acquire 100 percent of VisionBank (in

organization), West Des Moines, Iowa;

VisionBank (in organization), West Des

Moines, Iowa, to become a member of the

Federal Reserve System; and VisionBank (in

organization), West Des Moines, Iowa, to

purchase the assets and assume the liabilities

of the Grimes, Iowa and the West Des Moines,

Iowa branches of Community Bank of Boone,

Boone, Iowa.

OGDEN BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

09/14/2006

The ShoreBank Corporation, Chicago, Illinois,

to acquire 100 percent of the voting shares of

Greater Chicago Bank, Bellwood, Illinois.

SHOREBANK CORPORATION,

THE

* 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 Fourth Quarter of 2006 (October 1, 2006 - December 31, 2006)

Institution Location

BANK OF GENEVA GENEVA, INDIANA

BLENCOE ST BK BLENCOE, IOWA

CALUMET CTY BK BRILLION, WISCONSIN

CENTRAL BK RUSSIAVILLE, INDIANA

COLUMBUS JUNCTION ST BK COLUMBUS JUNCTION, IOWA

FARMERS ST BK OF WAUPACA WAUPACA, WISCONSIN

GOSHEN CMNTY BK GOSHEN, INDIANA

GREAT RIVER B&TC DAVENPORT, IOWA

IOWA PRAIRIE BK BRUNSVILLE, IOWA

NORTHBROOK B&TC NORTHBROOK, ILLINOIS

NORTHSIDE CMNTY BK GURNEE, ILLINOIS

PACIFIC GLOBAL BK CHICAGO, ILLINOIS

PARAMOUNT BK FARMINGTON HILLS, MICHIGAN

PEOPLES ST BK MANSFIELD MANSFIELD, ILLINOIS

QUAD CTY B&TC BETTENDORF, IOWA

SALIN B&TC INDIANAPOLIS, INDIANA

UNITED CMNTY BK LISLE LISLE, 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 26, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/08/2006

Notice by Dearmin Investment Holdings

Business, L.P., Odon, Indiana, to gain control

of Dearmin Bancorp, Inc., Odon, Indiana.

DEARMIN BANCORP, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Fourth Quarter of 2006 (October 1, 2006 - December 31, 2006)

Institution Location

ARVEST BK FAYETTEVILLE, ARKANSAS

BANK OF FAYETTE COUNTY MOSCOW, TENNESSEE

BANK OF LITTLE ROCK LITTLE ROCK, ARKANSAS

FARMERS B&TC BLYTHEVILLE, ARKANSAS

PREMIER BK OF JACKSONVILLE JACKSONVILLE, ILLINOIS

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending August 26, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/25/2006

Baldwin Bancshares, Inc., Baldwin,

Wisconsin, to acquire 100 percent of Gavic

Services, Inc., Spring Valley, Wisconsin, and

thereby indirectly acquire The Bank of Spring

Valley, Spring Valley, Wisconsin.

BALDWIN BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

09/25/2006

BlackRidge Financial, Inc., Fargo, North

Dakota, to acquire 100 percent of Carlos

Bancshares, Inc., Alexandria, Minnesota and

thereby indirectly acquire First State Bank of

Alexandria, Alexandria, Minnesota.

BLACKRIDGE FINANCIAL,

INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Fourth Quarter of 2006 (October 1, 2006 - December 31, 2006)

Institution Location

1ST BK SIDNEY, MONTANA

CITIZENS ST BK OF ARLINGTON ARLINGTON, SOUTH DAKOTA

COMMUNITY BK CORP CHASKA, MINNESOTA

FARMERS ST BK OF DENTON DENTON, MONTANA

GRAND RAPIDS ST BK GRAND RAPIDS, MINNESOTA

PEOPLES ST BK OF PLAINVIEW PLAINVIEW, MINNESOTA

ROOT RIVER ST BK CHATFIELD, MINNESOTA

SECURITY BK MN ALBERT LEA, MINNESOTA

STATE BK FNCL LA CROSSE, WISCONSIN

STATE BK OF ALCESTER ALCESTER, SOUTH DAKOTA

STOCKMENS BK CASCADE, MONTANA

SUPERIOR BK SUPERIOR, WISCONSIN

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 26, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/22/2006

BOK Financial Corporation, Tulsa, Oklahoma,

to acquire 100 percent of the voting shares of

The State Bank of Colony, Colony, Kansas, by

merging Bank of Kansas City, N.A., Overland

Park, Kansas, an interim national bank, with

The State Bank of Colony.

BOK FINANCIAL

CORPORATION

Newspaper:

Federal Register:

CIC Not available

09/07/2006

Notice by the Helen D. Roberts Trust for Bruce

Lauritzen, and by Elizabeth D. Lauritzen as

individual trustee, to acquire control of Cypress

Corporation, all of Omaha, Nebraska, parent of

Sibley State Bank, Sibley, Iowa.

CYPRESS CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

First Community Bank, Taos, New Mexico, to 09/01/2006

establish a branch at 701 W. Deer Valley

Road, Suite A-9, Phoenix, Arizona.

FIRST COMMUNITY BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Community Bank, Taos, New Mexico, to 09/01/2006

establish a branch at 1580 N. Fiesta Blvd,

Suite 102, Gilbert, Arizona.

FIRST COMMUNITY BANK

Newspaper:

Federal Register:

* 3A3 08/28/2006

08/24/2006

FirsTier II Bancorp., to acquire 100 percent of

the voting shares of FirsTier Bancorp I, both in

Cheyenne, Wyoming, parent of FirsTier Bank,

Wyoming, Upton, Wyoming.

FIRSTIER II BANCORP.

* 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 2006 (October 1, 2006 - December 31, 2006)

Institution Location

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 26, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Ms. Mary Lucy McCorkle, Sulphur

Springs, Texas, to increase her ownership to

10.49 percent in Alliance Bancshares, Inc.,

Sulphur Springs, Texas, and thereby indirectly,

SSSB Delaware Bancorporation, Inc., Dover,

Delaware, and Alliance Bank, Sulphur

Springs, Texas.

ALLIANCE BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 09/16/2006

09/15/2006

Industry Bancshares, Inc., Industry, Texas, and

Industry Holdings, Inc., Wilmington,

Delaware, to acquire 100 percent of

Community Bancorporation, Inc., Bellville,

Texas, and indirectly acquire Bellville

Holdings, Inc., Wilmington, Delaware, and

First National Bank of Bellville, Bellville,

Texas.

INDUSTRY BANCSHARES,

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Mr. John R. Rountree, Linden,

Texas, to control up to 57 percent of the voting

common stock of Linden Bancshares, Inc.,

Linden, Texas, and indirectly The First

National Bank of Linden, Linden, Texas.

LINDEN BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Fourth Quarter of 2006 (October 1, 2006 - December 31, 2006)

Institution Location

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

Federal Reserve Bank of San Francisco

Filings received during the week ending August 26, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 08/22/2006

1)The BANKshares, Inc., Rancho Santa Fe,

California, to become a bank holding company

by acquiring 100 percent of the THE

BANKshares, Inc., and thereby indirectly

acquire The Bank Brevard, both of Melbourne,

Florida; and, 2)Castle Creek Capital Partners

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

Eggemeyer Capital LLC, Ruh Capital LLC,

Legions IV Advisory Corp, all of Rancho Santa

Fe, California, to acquire 91 percent of THE

BANKshares, Inc., and thereby indirectly

acquire The Bank Brevard, both of Melbourne,

Florida.

CASTLE CREEK CAPITAL

PARTNERS III, L.P.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Cathay Financial Holding Co., Ltd., and

Cathay Life Insurance Co., Ltd., to acquire up

to 9.99 percent of First Financial Holding Co.,

Ltd., and Chinatrust Financial Holding Co.,

Ltd., all of Taipei, Taiwan.

CATHAY FINANCIAL

HOLDING CO., LTD.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Community Bank of Nevada to merge with

Valley Bank, both of Las Vegas, Nevada, and

thereby acquire five branch ofices of Valley

Bank, all located in Nevada.

COMMUNITY BANK OF

NEVADA

Newspaper:

Federal Register:

* 3A1 Not available

09/07/2006

The Industrial Bank of Taiwan Co., Ltd.,

Taipei, Taiwan, and IBT Holdings Corp.,

Cerritos, California, to become bank holding

companies by acquiring 100 percent of

EverTrust Bank, City of Industry, California.

INDUSTRIAL BANK OF

TAIWAN CO., LTD., THE

Newspaper:

Federal Register:

* 3A1 Not available

09/22/2006

NHB Holdings, Inc., Jacksonville, Florida, to

become a bank holding company by acquiring

100 percent of Volvo Commercial Credit Corp.

of Utah, which will be renamed Globility

Bank, Salt Lake City, Utah.

NHB HOLDINGS, 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 Fourth Quarter of 2006 (October 1, 2006 - December 31, 2006)

Institution Location

CACHE VALLEY BK LOGAN, UTAH

HANMI BK LOS ANGELES, CALIFORNIA

PIERCE CMRL BK TACOMA, WASHINGTON

* Subject to the provisions of the Community Reinvestment Act