Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 40

Week Ending October 1, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions September 25, 2005 to October 1, 2005

Enforcement

First State Bank of Warner, Warner, South Dakota -- written agreement dated 

December 11, 2001, terminated September 20, 2005.

- Announced, September 26, 2005 

Midwest Banc Holdings, Inc., Melrose Park, Illinois, and Midwest Bank and Trust 

Company, Elmwood Park -- written agreement dated March 15, 2004, terminated 

September 16, 2005.

- Announced, September 26, 2005 

SunTrust Bank, Atlanta, Georgia -- issuance of an order of prohibition against 

Jessica Faris, a former employee and institution-affiliated party.

- Announced, September 28, 2005 

Forms

Forms -- final Board review to extend with revision the Application for Membership 

in the Federal Reserve System (FR 2083-2083C), Applications Related to Federal 

Reserve Bank Stock (FR 2056 and FR 2086A), and Domestic Finance Company 

Report of Consolidated Assets and Liabilities (FR 2248), to extend without revision 

the Applications Related to Federal Reserve Bank Stock (FR 2030, FR 2030A, FR 

2086, and FR 2087), and to conduct with revision the Quinquennial Finance 

Company Questionnaire and Survey (FR 3033).

- Approved, September 29, 2005 

(AC) = Addition or Correction Board - Page 1 of 1
September 25, 2005 to October 1, 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 Millbrook, Millbrook New York -- to establish a branch at 5094 Route 22, 

Amenia.

- Approved, September 28, 2005 

New York

Central State Bank, Calera, Alabama -- to establish a branch at 3145 Highway 31, 

Pelham.

- Approved, September 30, 2005 

Atlanta

Comerica Bank, Detroit, Michigan -- to establish branches at 18965 LBJ Freeway, 

Mesquite, Texas, and 3700 State Highway 121, Plano.

- Approved, September 26, 2005 

Secretary

The Connecticut Bank & Trust Company, Hartford, Connecticut -- to establish a 

branch at 435 Hartford Turnpike, Vernon.

- Approved, September 30, 2005 

Boston

The Connecticut Bank & Trust Company, Hartford, Connecticut -- to establish a 

branch at 148 Broad Street, Windsor.

- Approved, September 30, 2005 

Boston

FNB Southeast, Reidsville, North Carolina -- to establish a branch at 1001 Military 

Cutoff Road, Wilmington.

- Approved, September 22, 2005 (AC)

Secretary

The Marathon Bank, Winchester, Virginia -- to establish a branch at 2051 

Northwestern Pike.

- Approved, September 28, 2005 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority September 25, 2005 to October 1, 2005

Bank Branches, Domestic

Rocky Mountain Bank, Rock Springs, Wyoming -- to establish a branch at 14 North 

Sublette Avenue, Pinedale.

- Approved, September 28, 2005 

Kansas City

TexasBank, Fort Worth, Texas -- to establish a branch at 13388 North Freeway.

- Approved, September 27, 2005 

Dallas

Bank Holding Companies

Capital Bank Corporation, Raleigh, North Carolina -- to merge with 1st State 

Bancorp, Inc., Burlington, and thereby acquire 1st State Bank.

- Approved, September 26, 2005 

Richmond

Commercial Bancshares, Inc., Whitewater, Wisconsin -- to become a bank holding 

company and to acquire Commercial Bank.

- Approved, September 26, 2005 

Chicago

First Financial Bankshares, Inc., Abilene, Texas -- to acquire Bridgeport Financial 

Corporation, Bridgeport, and thereby acquire Bridgeport Bancshares, Inc., Dover, 

Delaware, and The First National Bank of Bridgeport, Bridgeport.

- Approved, September 28, 2005 

Dallas

First Southern Bancorp, Statesboro, Georgia -- relief from a commitment.

- Granted, September 27, 2005 

Atlanta

Interchange Financial Services Corporation, Saddle Brook, New Jersey -- to acquire 

Franklin Bank, Nutley, and to merge Franklin Bank with its subsidiary, Interchange 

Bank, Saddle Brook, and thereby establish a branch.

- Approved, September 27, 2005 

New York

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority September 25, 2005 to October 1, 2005

Bank Holding Companies

Jefferson Bancshares, Inc., Pine Bluff, Arkansas -- to acquire First Security Bank of 

Clarksville, Clarksville.

- Approved, September 30, 2005 

St. Louis

Liberty Bancshares, Inc., Jonesboro, Arkansas -- to acquire an additional 21.35 

percent of the shares of Russellville Bancshares, Inc., and thereby acquire First 

Arkansas Valley Bank, Russellville.

- Approved, September 30, 2005 

St. Louis

Monson Financial Services Mutual Holding Company, Monson, Massachusetts, and 

Monson Financial Services Corp. -- to become a mutual bank holding company and 

a stock bank holding company, respectively, and to acquire Monson Savings Bank.

- Approved, September 27, 2005 

Boston

Mutual Bancorp of the Berkshires, Inc., Pittsfield, Massachusetts -- relief from a 

commitment.

- Granted, September 26, 2005 

Boston

Northrim Bancorp, Inc., Anchorage, Alaska -- to acquire 24.9 percent of Pacific 

Wealth Advisors, LLC, Seattle, Washington, and invest in investment advisory trust 

activities and non-depository trust company activities.

- Approved, September 30, 2005 

San Francisco

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- to acquire HW 

Holdings, Inc., Richmond, Virginia, and its subsidiaries, Harris Williams & Co. and 

Harris Williams Advisors, Inc., and thereby engage in advising clients on merger 

and acquisition matters.

- Approved, September 27, 2005 

Cleveland

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority September 25, 2005 to October 1, 2005

Bank Mergers

Guaranty Bank and Trust Company, Denver, Colorado -- to merge with Foothills 

Bank, Wheat Ridge.

- Approved, September 26, 2005 

Kansas City

Bank Premises

Orrstown Bank, Shippensburg, Pennsylvania -- to increase its investment in bank 

premises and to establish a branch at 308 Carolle Street, Greencastle Borough.

- Approved, September 30, 2005 

Secretary

Banks, State Member

Interchange Bank, Saddle Brook, New Jersey -- to acquire control of a financial 

subsidiary.

- Approved, September 27, 2005 

New York

Change In Bank Control

F&M Financial Corporation, Granite Quarry, North Carolina -- to retain control of 

F&M Financial Corporation.

- Permitted, September 26, 2005 

Richmond

First Fidelity Bancorp, Inc., Oklahoma City, Oklahoma -- to retain control of First 

Fidelity Bancorp, Inc.

- Permitted, September 29, 2005 

Kansas City

Competitive Factors Reports

American State Bank & Trust Company, National Association, Great Bend, 

Kansas -- report on competitive factors of the proposed purchase of certain assets 

and assumption of certain liabilities of the Garden City branch of Home National 

Bank, Blackwell, Oklahoma.

- Submitted, September 27, 2005 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority September 25, 2005 to October 1, 2005

Competitive Factors Reports

Capital Bank, Raleigh, North Carolina -- report on competitive factors of the 

proposed merger with 1st State Bank, Burlington.

- Submitted, September 28, 2005 

Richmond

The Clearfield Bank and Trust Company, Clearfield, Pennsylvania -- report on 

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

of six branches, located in Huntingdon, Bedford, and Blair Counties, of First 

Commonwealth Bank, Indiana, Pennsylvania.

- Submitted, September 28, 2005 

Cleveland

The Commerce Bank of Oregon, Portland, Oregon, a de novo bank -- report on 

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

of First Consumers National Bank, Lake Oswego.

- Submitted, September 30, 2005 

Secretary

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

proposed merger with First State Bank, Mount Calm, Texas.

- Submitted, September 27, 2005 

Kansas City

Holbrook Exchange Bank, Holbrook, Nebraska, a de novo bank -- report on 

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

certain liabilities of the Holbrook branch of Security First Bank, Sidney.

- Submitted, September 29, 2005 

Kansas City

Lake Area National Bank, Trinity, Texas -- report on competitive factors of the 

proposed merger with FC Interim National Bank, Houston.

- Submitted, September 28, 2005 

Dallas

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority September 25, 2005 to October 1, 2005

Competitive Factors Reports

Monson Savings Bank, Monson, Massachusetts -- report on competitive factors of 

the proposed reorganization into a mutual bank holding company.

- Submitted, September 27, 2005 

Boston

Extensions Of Time

ABC Bancorp, Moultrie, Georgia -- commenter's request to extend the comment 

period on the application to acquire First National Banc, Inc., St. Marys.

- Granted, September 28, 2005 

Secretary

Citigroup Inc., New York, New York -- extension of time for its subsidiaries, 

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

(Thailand) Limited, Bangkok, Thailand, and Bangkok e-Services Limited, to divest 

their interests in certain properties acquired in settlement of debts previously 

contracted.

- Granted, September 22, 2005 (AC)

Secretary

Citizens Bancshares, Inc., ESOP, Edmond, Oklahoma -- extension to December 30, 

2005, to acquire up to 40 percent of the shares of Citizens Bancshares, Inc.

- Granted, September 30, 2005 

Kansas City

Mountain Valley Bancshares, Inc., Cleveland, Georgia -- extension to January 7, 

2006, to become a bank holding company and to acquire Mountain Valley 

Community Bank.

- Granted, September 27, 2005 

Atlanta

NBT Bancorp Inc., Norwich, New York -- commenter's request for an additional 

extension of the comment period on the application to acquire CNB Bancorp, Inc., 

Gloversville.

- Denied, September 30, 2005 

Secretary

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority September 25, 2005 to October 1, 2005

Extensions Of Time

PrimeTrust Financial Corporation, Nashville, Tennessee -- extension to January 12, 

2006, to become a bank holding company and to acquire PrimeTrust Bank.

- Granted, September 29, 2005 

Atlanta

Regions Bank, Birmingham, Alabama -- extension to October 18, 2006, to establish 

a branch at 2310 Highway 6 South, Sugar Land, Texas.

- Granted, September 29, 2005 

Atlanta

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

Federal Reserve Bank of Boston

Filings received during the week ending October 1, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 10/14/2005

Application by Butler Bancorp, MHC and

Butler Bancorp, Inc., both of Lowell,

Massachusetts, to become a mutual bank

holding company and a stock bank holding

company, respectively, by acquiring Butler

Bank, Lowell, Massachusetts, pursuant to

section 3(a)(1) and section 3(a)(3) of the Bank

Holding Company Act of 1956, as amended.

BUTLER BANCORP, 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 October 1, 2005

Filer Filing Type Filing Proposal End of Comment Period

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 for

COIC to increase its investment in Nigeria

International Bank Ltd., Lagos, Nigeria, in

excess of the individual limit set forth in

Section 911.9(c)(1) of Regulation K. [A

portion of filing is CONFIDENTIAL]

CITIBANK, N.A.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Deutsche Genossenschafts-Hypothekenbank

AG, Hamburg, Germany, requests prior

approval to establish a NY rep office.

DEUTCHE

GENOSSENSCHAFTS-HYPOTH

EKENBANK AG

Newspaper:

Federal Register:

* 3A1 10/22/2005

10/28/2005

First Americano Financial Corporation,

Elizabeth, New Jersey, to become a one-bank

holding company, pursuant to Section 3(a)(1) of

the BHC Act, and Section 225.15 of Regulation

Y, by acquiring First BankAmericano,

Elizabeth, New Jersey.

First Americano Financial

Corporation

Newspaper:

Federal Register:

* 3A1 Not available

10/31/2005

Application by Magyar Bancorp, MHC and

Magyar Bancorp, Inc., both of New Brunswick,

New Jersey, for prior approval of the Board to

control directly and indirectly, respectively,

100% of the voting shares of Magyar Bank,

New Brunswick, New Jersey.

MAGYAR BANCORP, MHC

Newspaper:

Federal Register:

* 3A5 10/17/2005

10/17/2005

New York Community Bancorp, Inc.,

Westbury, New York, requests approval to

acquire Long Island Financial Corp., and Long

Island Commercial Bank, both of Islandia, New

York, pursuant to Section 3(a)(5) of Regulation

Y.

NEW YORK COMMUNITY

BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

10/20/2005

The Toronto-Dominion Bank, Toronto,

Ontario, Canada, and TD Banknorth Inc.,

Portland, Maine, propose to acquire 100 percent

of the voting shares of Hudson United Bancorp,

and it wholly-owned subsidiary, Hudson United

Bank, both of Mahwah, New Jersey, pursuant to

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

Act, and Section 225.15 of Regulation Y.

TORONTO-DOMINION BANK,

THE

* 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 October 1, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 10/20/2005

10/24/2005

Penn Bancshares, Inc., Pennsville, NJ, to

purchase 24.89% of the voting shares of

Harvest Community Bank, Pennsville, NJ.

PENN BANCSHARES, INC.

* 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 October 1, 2005

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 October 1, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Bank of America Corporation, Charlotte, North

Carolina, to acquire certain assets and assume

certain liabilities of Works, Inc., Austin, Texas.

BANK OF AMERICA

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, Strasburg, Virginia, to establish a 10/14/2005

branch at 695 Fairfax Pike, Stephens City,

Virginia.

FIRST BANK

Newspaper:

Federal Register:

CIC Not available

10/20/2005

Notice by Mason Young Garrett and Mary Beth

Garrett both of Belton, South Carolina, to

increase control of GrandSouth Bancorporation,

Greenville, South Carolina.

GRANDSOUTH

BANCORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

HomeTown Bank, Roanoke, Virginia (in

organization), to become a member of the

Federal Reserve System.

HOMETOWN BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 October 1, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

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

establish an international representative office

in Miami, Florida.

BANCO POPULAR ESPANOL,

S.A.

Newspaper:

Federal Register:

CIC Not available

10/20/2005

Bonifay Holding Company, Bonifay, Florida,

prior change in control notice by Brian K.

James individually and as trustee of the James

Educational Trust, Destin, Florida, to acquire

8.12 percent of the outstanding stock of Bonifay

Holding Company, and its subsidiary, Bank of

Bonifay, both of Bonifay, Florida. Pro forma

total ownership will be 14.06 percent.

BONIFAY HOLDING

COMPANY, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Central State Bank, Calera, Alabama, to 09/08/2005

establish a branch located at 3145 Highway 31,

Pelham, Alabama.

CENTRAL STATE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Commercial Bank, Harrogate, Tennessee, to 10/06/2005

establish a branch located at 2320 South U.S.

Highway 421, Harlan, Kentucky.

COMMERCIAL BANK

Newspaper:

Federal Register:

* 3A5 Not available

10/28/2005

Flag Financial Corporation, Atlanta, Georgia,

to merge with First Capital Bancorp, Inc., and

thereby acquire its subsidiary, First Capital

Bank, both of Norcross, Georgia.

FLAG FINANCIAL

CORPORATION

Newspaper:

Federal Register:

CIC 09/23/2005

09/29/2005

General Bancshares, Inc., Jasper, Tennessee,

prior change in control filed by Robert Thomas,

Monteagle, Tennessee; Robert Thomas, Jr.,

Signal Mountain, Tennessee; David Thomas,

Chattanooga, Tennessee; and Frank Thomas;

Monteagle, Tennessee, to aquire 3.60 percent of

the outstanding stock of General Bancshares,

Inc., and its subsidiary bank, Citizens State

Bank, both of Jasper, Tennessee. Pro forma

total ownership will be 27.35 percent.

GENERAL BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 09/23/2005

09/29/2005

General Bancshares, Inc., Jasper, Tennessee,

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:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 09/27/2005

establish a branch located at 4725 S. Flamingo

Road, Cooper City, Florida.

REGIONS 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

2737029 FIRST CMRL BK OF FL, ORLANDO, FLORIDA 03/07/2005 06/22/2005 S Small Bank

2808358 FIRST FL BK, NAPLES, FLORIDA 06/06/2005 09/25/2005 S Small 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 October 1, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/13/2005

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited I,

Lansing, Michigan, to acquire 51 percent of the

voting shares of Bank of Belleville (in

organization), Belleville, Illinois.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A1 Not available

09/19/2005

CCB Acquisition Corp., Oak Brook, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of Citizens

Central Bancorp, Inc., Macomb, Illinois, and

thereby indirectly acquire Citizens National

Bank, Macomb, Illinois.

CCB ACQUISTION CORP

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 09/30/2005

a branch facility to be located at 3001 N.

Tamiami Trail, Naples, Florida.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 5601 Silver

Creek Valley Road, San Jose, California.

COMERICA BANK

Newspaper:

Federal Register:

* 3A1 10/08/2005

10/24/2005

Integrity First Bancorporation, Inc., Wausau,

Wisconsin, to become a bank holding company

by acquiring 100 percent of the voting shares of

Integrity First Bank (in organization), Wausau,

Wisconsin.

INTEGRITY FIRST

BANCORPORATION, INC.

Newspaper:

Federal Register:

4c8 Not applicable

10/14/2005

Odgen BancShares, Inc., Ames, Iowa, proposes

to engage de novo in extending credit and

servicing loans.

OGDEN BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/28/2005

Plymouth Bancorp Inc., Kirkwood, Missouri, to

become a bank holding company by acquiring

100 percent of the voting shares of Community

State Bank of Plymouth, Plymouth, Illinois.

PLYMOUTH BANCORP INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

715144 GRUNDY BK, MORRIS, ILLINOIS 06/13/2005 09/22/2005 S Small Bank

130943 IRWIN UNION B&TC, COLUMBUS, INDIANA 01/12/2004 09/19/2005 S Large Bank

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 October 1, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Cross County Bancshares, Inc., Wynne,

Arkansas, to acquire up to 13.91 percent of

First Southern Bank, Batesville, Arkansas (de

novo).

CROSS COUNTY

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 10/31/2005

10/31/2005

First Banks, Inc., Hazelwood, Missouri, to

acquire an additional 8.52 percent, for total

direct and indirect ownership of 24.99 percent,

of Community West Bancshares, Goleta,

California, and thereby indirectly acquire

Community West Bank, National Association,

Goleta, California.

FIRST BANKS, INC.

Newspaper:

Federal Register:

* 3A3

Not available

First Horizon National Corporation, Memphis, 10/31/2005

Tennessee, to acquire 100 percent of Town and

Country Bank of the Ozarks, Republic,

Missouri.

FIRST HORIZON NATIONAL

CORPORATION

Newspaper:

Federal Register:

* 3A1 09/28/2005

10/31/2005

Fortune Financial Corportion, Arnold,

Missouri, to become a bank holding company

by acquiring 100 percent of FortuneBank,

Arnold, Missouri (in organization).

Fortune Financial Corporation

* 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

185859 LINDELL B&TC, SAINT LOUIS, MISSOURI 06/06/2005 09/14/2005 S Large 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 October 1, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 10/17/2005

10/11/2005

Abdo Investments, Inc., Edina, Minnesota, to

become a bank holding company by acquiring

up to 24.2 percent of Rivers Ridge Holding

Company, Edina, Minnesota, which owns

BankVista, Sartell, Minnesota.

ABDO INVESTMENTS, INC.

Newspaper:

Federal Register:

* 3A1 10/06/2005

10/06/2005

Bridgewater Bancshares, Inc., Bloomington,

Minnesota to become a bank holding company

by acquiring 100% of Bridgewater Bank,

Bloomington, Minnesota, a de novo bank.

BRIDGEWATER

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

10/17/2005

Davis Bancshares, Inc., McClusky, North

Dakota, to merge with Underwood Holding

Company, Underwood, North Dakota, and

thereby indirectly acquire First Security Bank,

Underwood, North Dakota.

DAVIS BANCSHARES, INC

Newspaper:

Federal Register:

* 3A1 Not available

10/28/2005

Fidelity Holding Company, Minnetonka,

Minnesota, to become a bank holding company

by acquiring 100% of the voting shares of

Fidelity Bank, Edina, Minnesota.

FIDELITY HOLDING

COMPANY

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending October 1, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/31/2005

10/18/2005

Notification by Marvin J. Carter and Donald C.

Stamps, both of Lawton, Oklahoma, as trustees

of the 2000 Green Family Trust, to acquire

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

Liberty National Bank, both in Lawton,

Oklahoma.

B.O.E. BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Community Banks of Colorado, Greenwood 10/24/2005

Village, to establish a branch at 409 E. Main

Street, Buena Vista, both in Colorado.

COMMUNITY BANKS OF

COLORADO

Newspaper:

Federal Register:

CIC 10/03/2005

10/18/2005

Notification by Aaron G. Buerge, Springfield,

Missouri, and Justin B. Buerge, Joplin,

Missouri, individually and as co-trustees of the

Buerge Family Trust, to retain control of

Financial Enterprises, Inc., parent of First

National Bank of Clinton, both in Clinton,

Missouri.

FINANCIAL ENTERPRISES,

INC.

Newspaper:

Federal Register:

* 3A1 Not available

09/28/2005

RelianzBancshares Inc., Wichita, Kansas, to

become a bank holding company through the

acquisition of 100 percent of the voting shares

of RelianzBank, Wichita, Kansas (in

organization).

RELIANZBANCSHARES 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 October 1, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 10/23/2005

10/24/2005

Patriot Bancshares, Inc., Ladonia, Texas

(currently named Quadco Bancshares, Inc.,

Ladonia, Texas), to acquire 100 percent of

Patriot Bank, Houston, Texas.

QUADCO 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

913267 LEGACY BK OF TX, PLANO, TEXAS 06/27/2005 09/26/2005 S Large Bank

468954 TRADITION BK, HOUSTON, TEXAS 04/04/2005 09/13/2005 S Small Bank

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 October 1, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/10/2005

Cathay General Bancorp, Los Angeles,

California, to acquire up to 100 percent of Great

Eastern Bank, New York, New York.

CATHAY GENERAL BANCORP

Newspaper:

Federal Register:

CIC Not available

10/11/2005

Notice by Enoch Andrus Ludlow to retain his

ownership in Far West Bancorporation, Provo,

Utah, and thereby indirectly increase his

ownership in Far West Bank, Provo, Utah.

FAR WEST

BANCORPORATION

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act