Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 36

Week Ending September 9, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions September 3, 2006 to September 9, 2006

Bank Holding Companies

Federation Nationale du Credit Agricole, Paris, France, and SAS Rue La Boetie -- 

to become bank holding companies and thereby retain control of Espirito Santo 

Bank, Miami, Florida, through their subsidiary, Credit Agricole S.A., Paris, France; 

and for Calyon, S.A., a subsidiary of Credit Agricole S.A., to establish a branch in 

Los Angeles, California.

- Approved, September 8, 2006 

Financial Holding Companies

Federation Nationale du Credit Agricole, Paris, France, SAS Rue la Boetie, Credit 

Agricole S.A., and Calyon, S.A. -- elections to become or to be treated as financial 

holding companies.

- Effective, September 8, 2006 

Regulations And Policies

Basel Capital Accord -- interagency notices of proposed rulemaking (1) to 

implement the Basel II risk-based capital requirements in the United States for 

large, internationally active banking organizations (Docket No. R-1261) and (2) to 

enhance the sensitivity of the market risk capital rules and require public 

disclosures of certain qualitative and quantitative market risk information (Docket 

No. R-1266).

- Announced, September 5, 2006 

Enforcement

Bank of Gassaway, Gassaway, West Virginia -- written agreement dated October 

21, 2003, terminated September 5, 2006.

- Announced, September 6, 2006 

The Community State Bank, Poteau, Oklahoma -- written agreement dated October 

14, 2004, terminated August 15, 2006.

- Announced, September 6, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
September 3, 2006 to September 9, 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

American Heritage Bank, Sapulpa, Oklahoma -- to establish a branch in the 200 

block of South Adams Road, Alliance Business Park, Sand Springs.

- Approved, September 8, 2006 

Kansas City

Comerica Bank, Detroit, Michigan -- to establish a branch on Woodlands Parkway 

near Kuykendahl Road, Spring, Texas.

- Approved, September 6, 2006 

Secretary

Community Banks of Colorado, Greenwood Village, Colorado -- to establish a 

branch at 330 South 12th Street, Unit B, Montrose.

- Approved, September 5, 2006 

Kansas City

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 10301 

Lumley Road, Raleigh.

- Approved, September 8, 2006 

Richmond

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 9105 

Town Center Parkway, Bradenton, Florida.

- Approved, September 8, 2006 

Richmond

Bank Holding Companies

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

Limited V -- to acquire 51 percent of the shares of Bank of Maumee, Maumee, 

Ohio, a de novo bank.

- Approved, September 5, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority September 3, 2006 to September 9, 2006

Bank Holding Companies

Community Bancorp, Las Vegas, Nevada -- to acquire Cactus Commerce Bank, 

Glendale, Arizona.

- Approved, September 8, 2006 

San Francisco

First Liberty Capital Corporation Employee Stock Ownership Plan, Hugo, 

Colorado -- to acquire an additional 1.59 percent, for a total of 31.39 percent, of the 

shares of First Liberty Capital Corporation.

- Approved, September 8, 2006 

Kansas City

FirsTier II Bancorp, Cheyenne, Wyoming -- to acquire FirsTier Bancorp I and its 

subsidiary bank, FirsTier Bank.

- Approved, September 7, 2006 

Secretary

Independent Bancshares, Inc., Clarkfield, Minnesota -- to engage de novo in 

extending credit and servicing loans.

- Approved, September 8, 2006 

Minneapolis

SB&T Holdings, Inc., Carrollton, Texas -- to become a bank holding company and 

to acquire State Bank and Trust Company, Dallas.

- Approved, September 8, 2006 

Dallas

Traders & Farmers Bancshares, Inc, Haleyville, Alabama -- to become a bank 

holding company and to acquire Traders & Farmers Bank.

- Withdrawn, September 6, 2006 

Atlanta

VB Texas, Inc., Houston, Texas -- to become a bank holding company and to 

acquire Community State Bank, Boling.

- Approved, September 7, 2006 

Dallas

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority September 3, 2006 to September 9, 2006

Bank Holding Companies

Wachovia Corporation, Charlotte, North Carolina -- to invest in Wachovia Service 

Corporation and thereby engage in certain leasing activities.

- Approved, September 6, 2006 

Secretary

Change In Bank Control

First Hawley Bancshares, Inc., Hawley, Minnesota -- change in bank control.

- Permitted, September 5, 2006 

Minneapolis

Madison Financial Corporation, Madison, Mississippi -- to retain control of 

Madison Financial Corporation and its subsidiary bank, Madison County Bank.

- Permitted, September 5, 2006 

Atlanta

Competitive Factors Reports

Community National Bank, Seneca, Kansas -- report on competitive factors of the 

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

Sabetha branch of Citizens Savings and Loan Association, FSB, Leavenworth.

- Submitted, September 5, 2006 

Kansas City

First Kentucky Bank, Inc., Mayfield, Kentucky -- report on competitive factors of 

the proposed merger with Bardwell Deposit Bank, Bardwell.

- Submitted, September 6, 2006 

St. Louis

The First National Bank of McConnelsville, McConnelsville, Ohio -- report on 

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

of the Chesterhill branch of Peoples Bank, National Association, Marietta.

- Submitted, September 6, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority September 3, 2006 to September 9, 2006

Competitive Factors Reports

First National Community Bank, Dunmore, Pennsylvania -- report on competitive 

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

liabilities of the Honesdale branch of Harleysville National Bank and Trust 

Company, Harleysville.

- Submitted, September 6, 2006 

Philadelphia

Hillcrest Bank, Overland Park, Kansas -- report on competitive factors of the 

proposed merger with Colonial Bank, Aurora, Colorado.

- Submitted, September 6, 2006 

Kansas City

Liberty National Bank, Ada, Ohio -- report on competitive factors of the proposed 

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

The National Bank and Trust Company, Wilmington.

- Submitted, September 8, 2006 

Cleveland

Peoples Bank, National Association, Marietta, Ohio -- report on competitive factors 

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

branch of The First National Bank of McConnelsville, McConnelsville.

- Submitted, September 7, 2006 

Cleveland

Extensions Of Time

Coastal Bancshares Acquisition Corp., Houston, Texas -- extension to December 7, 

2006, to become a bank holding company and to acquire Intercontinental Bank 

Shares Corporation, San Antonio, and indirectly acquire Intercontinental Bank 

Shares Corporation of Delaware, Wilmington, Delaware, and Intercontinental 

National Bank, San Antonio.

- Granted, September 8, 2006 

Dallas

The Connecticut Bank & Trust Company, Hartford, Connecticut -- extension to 

September 30, 2006, to establish a branch at 148 Broad Street, Windsor.

- Granted, September 8, 2006 

Boston

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority September 3, 2006 to September 9, 2006

Extensions Of Time

Republic Corporation, Omaha, Nebraska -- extension to December 4, 2006, to 

become a bank holding company and to acquire United Republic Bank, a de novo 

bank.

- Granted, September 5, 2006 

Kansas City

Financial Holding Companies

Firstbank Corporation, Alma, Michigan -- election to become a financial holding 

company.

- Effective, September 6, 2006 

Chicago

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

Federal Reserve Bank of Boston

Filings received during the week ending September 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 09/13/2006

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:

* 3A1 Not available

* 3A3 Not available

Application by Marlborough Bancshares, MHC

and Marlborough Bancshares, Inc., both of

Marlborough, Massachusetts, to become a

mutual bank holding company and stock bank

holding company, respectively, by acquiring

Marlborough Savings Bank, Marlborough,

Massachusetts, pursuant to sections 3(a)(1)and

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

1956, as amended.

Application by Marlborough Bancshares, MHC

and Marlborough Bancshares, Inc., both of

Marlborough, Massachusetts, to become a

mutual bank holding company and stock bank

holding company, respectively, by acquiring

Marlborough Savings Bank, Marlborough,

Massachusetts, pursuant to sections 3(a)(1)and

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

1956, as amended.

Marlborough Bancshares, MHC

* 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 September 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Other Foreign

Not applicable

Banco Santander International, Miami, 09/26/2006

Florida, an indirectly held Edge Corporation of

Banco Santander Central Hispano, Madrid,

Spain, provided notice to the Board of

Governors of the Federal Reserve System of its

intention to establish a domestic branch in San

Diego, California.

BANCO SANTANDER

INTERNATIONAL

Newspaper:

Federal Register:

4c8 Not applicable

09/28/2006

Notice under 225.24(a)(1) of Regulation Y by

Lloyds TSB Group and Lloyds TBS Bank both

of London, England to engage denovo through

a wholly-owned subsidiary, Scottish Widows

Investment Partnership Ltd., New York, New

York in investment advisory activities pursuant

to Section 228.25(b)(6) of Regulation Y.

Notice under 225.24(a)(1) of Regulation Y by

Lloyds TSB Group and Lloyds TBS Bank both

of London, England to engage denovo through

a wholly-owned subsidiary, Scottish Widows

Investment Partnership Ltd., New York, New

York in investment advisory activities pursuant

to Section 228.25(b)(6) of Regulation Y.

LLOYDS TSB GROUP PLC

Newspaper:

Federal Register:

* 3A3 Not available

Not available

New York Private Bank & Trust Corporation,

Emigrant Bancorp, Inc. and Emigrant Bank

(for a moment in time), all of New York, New

York, to acquire all of the outstanding capital

stock of EmigrantDirect Bank, Ossining, New

York (In formation).

NEW YORK PRIVATE BANK

& TRUST CORPORATION

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Export-Import Bank of Ukraine ("EXIM

Bank")Kiev, Ukraine, to establish a

representative office in New York, New York,

pursuant to Section 10(a) of the International

Banking Act of 1978, as amended, and Section

211.24(a)(1) of Regulation K.

STATE EXPORT-IMPORT

BANK OF UKRAINE, INC.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending September 9, 2006

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 September 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

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

* 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 September 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

First Charter Corporation, Charlotte, North

Carolina, to acquire 100% of the voting

securities of GBC Bancorp, Inc.,

Lawrenceville, Georgia, and thereby indirectly

acquire Gwinnett Banking Company,

Lawrenceville, Georgia.

FIRST CHARTER

CORPORATION

* 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

45627 FIRST CHARTER BK, CHARLOTTE, NORTH CAROLINA 03/06/2006 07/03/2006 S Large Bank

105222 VIRGINIA CMNTY BK, LOUISA, VIRGINIA 05/22/2006 08/16/2006 O Small 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 September 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

CapitalSouth Bank, Birmingham, Alabama, to 09/21/2006

merge with Capital Bank, Montgomery,

Alabama.

CAPITALSOUTH BANK

Newspaper:

Federal Register:

* 3A1 10/02/2006

10/02/2006

Private Bancshares, Inc., Atlanta, Georgia, to

become a bank holding company by acquiring

100 percent of the outstanding shares of

Private Bank of Buckhead (in organization),

both of Atlanta, Georgia.

PRIVATE BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 09/09/2006

establish a branch located at 3700 Glenwood

Avenue, Raleigh, North Carolina.

REGIONS BANK

Newspaper:

Federal Register:

* 3A5 09/22/2006

09/25/2006

SouthCrest Financial Group, Fayetteville,

Georgia, to merge with Maplesville Bancorp,

and thereby acquire its subsidiary, Peachtree

Bank, both of Maplesville, Alabama.

SOUTHCREST FINANCIAL

GROUP, 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

642437 BANK OF FOREST, FOREST, MISSISSIPPI 05/15/2006 09/04/2006 S Small Bank

233031 REGIONS BK, BIRMINGHAM, ALABAMA 10/20/2003 09/06/2006 S Large Bank

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 September 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

ChoiceOne Bank, Sparta, Michigan, to merge 09/30/2006

with Valley Ridge Bank, Kent City, Michigan,

and thereby to establish 9 branches.

CHOICEONE BANK

Newspaper:

Federal Register:

* 3A5 09/30/2006

10/06/2006

ChoiceOne Financial Services, Inc., Sparta,

Michigan, to merge with Valley Ridge

Financial Corp., Kent City, Michigan, and

thereby indirectly acquire Valley Ridge Bank,

Kent City, Michigan, and the related

application to become a financial holding

company.

CHOICEONE FINANCIAL

SERVICES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

two branches to be located at 2432 E. Katella,

Building A, Anaheim, California, and 401

Grand Ave., South San Francisco, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

DeMotte State Bank, DeMotte, Indiana, to 09/12/2006

establish a branch to be located at 211 W.

Drexel Parkway, Rensselaer, Indiana.

DEMOTTE STATE BANK

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

12-day Notice - F.& M. Bancorp of Tomah,

Inc., Tomah, Wisconsin, to purchase over-line

loans originated by Farmers & Merchants

Bank of Tomah.

F. & M. BANCORP. OF

TOMAH, INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 10/06/2006

Heartland Financial USA, Inc., Dubuque,

Iowa, to acquire 99 percent of the voting shares

of Summit Acquisition Corporation,

Broomfield, Colorado, and thereby indirectly

acquire Summit Bank & Trust (in

organization), Broomfield, Colorado, and the

related application by Summit Acquisition

Corporation, Broomfield, Colorado, to become

a bank holding company by acquiring 100

percent of the voting shares of Summit Bank &

Trust (in organization), Broomfield, Colorado.

HEARTLAND FINANCIAL

USA, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Hinsdale Bank & Trust Company, Hinsdale,

Illinois, to purchase the assets and assume the

liabilities of four branches of Hinsbrook Bank

& Trust, Willowbrook, Illinois, and thereby to

establish 4 branches.

HINSDALE BANK & TRUST

COMPANY

Newspaper:

Federal Register:

* 3A5 Not available

Not available

PrivateBancorp, Inc., Chicago, Illinois, to

acquire 100 percent of the voting shares of

Piedmont Bancshares, Inc., Atlanta, Georgia,

and thereby indirectly acquire Piedmont Bank

of Georgia, Atlanta, Georgia.

PRIVATEBANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/06/2006

Town Bancshares, Inc., Antioch, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of Town

Community Bank and Trust (formerly Greater

North Bank), Antioch, Illinois.

TOWN BANCSHARES, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Wheaton Bank & Trust, Wheaton, Illinois, to

purchase the assets and assume the liabilities

of two branches of Hinsbrook Bank & Trust,

Willowbrook, Illinois, and thereby to establish

two branches.

WHEATON BANK & TRUST

* 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 September 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/29/2006

10/06/2006

Ashley Bancstock Company, Crossett,

Arkansas, to acquire 100 percent of First

Community Bank of Crawford County, Van

Buren, Arkansas.

ASHLEY BANCSTOCK

COMPANY

Newspaper:

Federal Register:

* 3A1 Not available

10/06/2006

Community First Bancorp, Inc., Fairview

Heights, Illinois, to become a bank holding

company by acquiring 100 percent of

Community First Bank, Fairview Heights,

Illinois.

COMMUNITY FIRST

BANCORP, INC.

Newspaper:

Federal Register:

CIC 09/12/2006

09/08/2006

Notice by Dearmin Investment Holdings

Business, L.P., Odon, Indiana, to acquire 100

percent of Dearmin Bancorp, Inc., Odon,

Indiana.

DEARMIN BANCORP, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

First Bank, St. Louis, Missouri, to purchase 10/06/2006

certain assets and assume deposit and certain

other liabilities of the 175 S. Beverly Drive,

Beverly Hills, California, branch of First Bank

of Beverly Hills, Calabasas, California, and to

retain the acquired facility as a branch.

FIRST BANK

Newspaper:

Federal Register:

* 3A3 Not available

10/06/2006

St. Elizabeth Bancshares, Inc., St. Elizabeth,

Missouri, to acquire 100 percent of Bank of

Freeburg, Freeburg, Missouri.

ST. ELIZABETH

BANCSHARES, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

989347 CROSS COUNTY BK, WYNNE, ARKANSAS 06/05/2006 09/01/2006 S Small Bank

748441 WARREN B&TC, WARREN, ARKANSAS 06/05/2006 09/04/2006 O Small Bank

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 September 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/21/2006

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.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Community Resource Bank, Northfield,

Minnesota, proposes to become a member of

the Federal Reserve System.

COMMUNITY RESOURCE

BANK

Newspaper:

Federal Register:

* 3A3 Not available

10/05/2006

Minnwest Corporation, Minnetonka,

Minnesota, to acquire 100% percent of

Aumanchester, Inc., Rochester, Minnesota,

and thereby indirectly acquire Rochester Bank,

Rochester, Minnesota.

MINNWEST CORPORATION

* 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

3259171 COMMUNITY BK, AUSTIN, MINNESOTA 05/30/2006 09/01/2006 S Small Bank

680457 YELLOWSTONE BK, LAUREL, MONTANA 05/01/2006 08/28/2006 S Int Sm 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 September 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/23/2006

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:

* 3A1 Not available

10/06/2006

BOR Bancorp, to become a bank holding

company through the acquisition of 100

percent of the voting shares of Bank of

Rothville, both in Rothville, Missouri.

BOR BANCORP

Newspaper:

Federal Register:

* 3A1

Member

09/25/2006

10/05/2006

Columbine Capital Corp., to become a bank

holding company through the acquisition of

100 percent of the voting shares of Collegiate

Peaks Bank, both in Buena Vista, Colorado.

Collegiate Peaks Bank, Buena Vista, Colorado,

to become a member of the Federal Reserve

System.

COLUMBINE CAPITAL CORP.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Cornerstone Bank, N.A., York, Nebraska (to

be known as Cornerstone Bank), to become a

member of the Federal Reserve System.

CORNERSTONE BANK, N.A.

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by Steve Burrage, Antlers,

Oklahoma, as co-trustee of the John L. Massey

2003 Family Trusts, to acquire control of

Durant Bancorp, Inc., parent of First United

Bank & Trust Company, both in Durant,

Oklahoma.

DURANT BANCORP, 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

182652 FIRST BK OF FAIRLAND, FAIRLAND, OKLAHOMA 05/22/2006 08/16/2006 S Small Bank

325459 FIRST ST BK IN TEMPLE, TEMPLE, OKLAHOMA 05/22/2006 08/15/2006 S Small Bank

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 September 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 September 9, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

09/24/2006

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 Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act