Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 46

Week Ending November 12, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions November 6, 2005 to November 12, 2005

Bank Holding Companies

Bank of Montreal, Montreal, Canada; Harris Financial Corp., Chicago; Illinois, and 

Harris Bankcorp, Inc. -- to acquire Edville Bankcorp, Inc., Villa Park, Illinois, and 

its subsidiary, Villa Park Trust & Savings Bank.

- Approved, November 10, 2005 

Sky Financial Group, Inc., Bowling Green, Ohio -- to acquire Falls Bank, Stow, a 

state-chartered savings bank.

- Approved, November 9, 2005 

Enforcement

Planters Bank and Trust Company, Staunton, Virginia -- written agreement dated 

March 19, 2004, terminated October 28, 2005.

- Announced, November 7, 2005 

Virginia Heartland Bank, Fredericksburg, Virginia -- written agreement dated 

March 19, 2004, terminated October 28, 2005.

- Announced, November 7, 2005 

Forms

Forms -- final Board review to extend without revision the Recordkeeping and 

Disclosure Requirements in Connection with Regulation M (Consumer Leasing).

- Approved, November 7, 2005 

Testimony And Statements

Basel II Implementation and Revisions to Basel I -- statement by Governor Bies 

before the Senate Committee on Banking, Housing, and Urban Affairs.

- Published, November 10, 2005 

(AC) = Addition or Correction Board - Page 1 of 1
November 6, 2005 to November 12, 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

AmSouth Bank, Birmingham, Alabama -- to establish branches at 12562 Race 

Track Road, Tampa, Florida; 9907 North Dale Mabry Highway, Carrollwood; 

20171 Summerlin Road, Ft. Myers; and 15580 Old Hickory Boulevard, Nashville, 

Tennessee.

- Approved, November 10, 2005 

Atlanta

Chemical Bank and Trust Company, Midland, Michigan -- to establish a branch at 

310 North Shiawassee Street, Corunna.

- Approved, November 9, 2005 

Chicago

Cole Taylor Bank, Chicago, Illinois -- to establish a branch at 9550 West Higgins 

Road, Rosemont.

- Approved, November 10, 2005 

Chicago

Comerica Bank, Detroit, Michigan -- to establish branches at 23330 Westheimer 

Parkway, Katy, Texas, and 8707 Highway 6 South, Houston.

- Approved, November 10, 2005 

Secretary

County Bank, Merced, California -- to establish a branch at 1375 Exposition 

Boulevard, Sacramento.

- Approved, November 9, 2005 

San Francisco

First State Bank N. M., Taos, New Mexico -- to establish a branch at the southwest 

corner of Southern and Unser Boulevards, Rio Rancho.

- Approved, November 10, 2005 

Secretary

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority November 6, 2005 to November 12, 2005

Bank Branches, Domestic

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

branch at 95 Highland Avenue, Suite 105, Hanover Township, Pennsylvania.

- Approved, November 9, 2005 

New York

MontroseBank, Montrose, Colorado -- to establish a branch at 218 Grand Avenue, 

Paonia.

- Approved, November 10, 2005 

Kansas City

Salin Bank and Trust Company, Indianapolis, Indiana -- to establish a branch at 716 

East Main Street, Gas City.

- Approved, November 10, 2005 

Chicago

Bank Holding Companies

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

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

- Denied, November 7, 2005 

Secretary

Cross County Bancshares, Inc., Wynne, Arkansas -- to acquire up to 13.91 percent 

of the shares of First Southern Bank, Batesville.

- Approved, November 8, 2005 

Secretary

First Banks, Inc., Hazelwood, Missouri -- to acquire an additional 10.09 percent, for 

total direct and indirect control of 24.99 percent, of the shares of Community West 

Bancshares, Goleta, California, and thereby acquire Community West Bank, 

National Association.

- Approved, November 7, 2005 

St. Louis

First Horizon National Corporation, Memphis, Tennessee -- to acquire Town and 

Country Bank of the Ozarks, Republic, Missouri.

- Approved, November 9, 2005 

St. Louis

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority November 6, 2005 to November 12, 2005

Bank Holding Companies

Julius Baer Holding, Ltd., Zurich, Switzerland -- temporary exemption to engage 

indirectly in certain nonbanking activities in the United States in connection with 

the proposed acquisition of GAM Holding AG.

- Granted, November 8, 2005 

General Counsel

MoneyTree Corporation, Lenoir City, Tennessee -- to become a bank holding 

company and to acquire First National Bank.

- Approved, November 8, 2005 

Atlanta

Westside Banking Company, University Place, Washington -- to become a bank 

holding company and to acquire Westside Community Bank.

- Approved, November 10, 2005 

San Francisco

Banks, Foreign

R-G Premier Bank of Puerto Rico, Hato Rey, Puerto Rico -- to establish an agency 

in Casselberry, Florida.

- Withdrawn, November 8, 2005 

New York

Banks, State Member

Allied Bank, Mulberry, Arkansas -- to establish General Mortgage Company as a 

financial subsidiary and thereby engage in title insurance activities as agent.

- Approved, November 10, 2005 

St. Louis

Change In Bank Control

Bonifay Holding Company, Inc., Bonifay, Florida -- to retain control of Bonifay 

Holding Company, Inc.

- Permitted, November 10, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority November 6, 2005 to November 12, 2005

Change In Bank Control

Bonifay Holding Company, Inc., Bonifay, Florida -- change in bank control.

- Permitted, November 10, 2005 

Atlanta

Jeanerette First National Bancorp, Inc., Jeanerette, Louisiana -- change in bank 

control.

- Permitted, November 8, 2005 

Atlanta

Competitive Factors Reports

Cadence Bank, N. A., Starkville, Mississippi -- report on competitive factors of the 

proposed merger with Enterprise National Bank, Memphis, Tennessee.

- Submitted, November 4, 2005 (AC)

Secretary

First California Bank, Camarillo, California -- report on competitive factors of the 

proposed acquisition of assets and assumption of liabilities of South Coast 

Commercial Bank, Irvine.

- Submitted, November 9, 2005 

San Francisco

First Federal Bank, Dickson, Tennessee -- report on competitive factors of the 

proposed purchase of assets and liabilities of four Dickson County branches of 

AmSouth Bank, Birmingham, Alabama.

- Submitted, November 7, 2005 

Atlanta

The First National Bank of De Queen, De Queen, Arkansas -- report on competitive 

factors of the proposed merger with The First National Bank, Ashdown, and First 

National Bank, Waldron.

- Submitted, November 10, 2005 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority November 6, 2005 to November 12, 2005

Competitive Factors Reports

First National Bank of Las Animas, Las Animas, Colorado -- report on competitive 

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

liabilities of the Fowler branch of Sunflower Bank, N.A., Salina, Kansas.

- Submitted, November 7, 2005 

Kansas City

The First National Bank of Wynne, Wynne, Arkansas -- report on competitive 

factors of the proposed purchase of assets and assumption of liabilities of The Bank 

of Harrisburg, Harrisburg.

- Submitted, November 9, 2005 

St. Louis

Fulton Bank, Lancaster, Pennsylvania -- report on competitive factors of the 

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

of Susquehanna Bank PA, Lititz.

- Submitted, November 7, 2005 

Philadelphia

M C M Savings Bank, Federal Savings Bank, Hannibal, Missouri -- report on 

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

of Farmers & Merchants Bank and Trust Company.

- Submitted, November 8, 2005 

St. Louis

Sun Security Bank, Ellington, Missouri -- report on competitive factors of the 

proposed purchase of assets and assumption of liability to pay deposits in eight 

branches of SolutionsBank, Overland Park, Kansas.

- Submitted, November 7, 2005 

St. Louis

Financial Holding Companies

Chinatrust Financial Holding Company, Ltd., Taipei, Taiwan; Chinatrust 

Commercial Bank, Ltd.; and Chinatrust Capital Corporation, Torrance, California -- 

elections to become financial holding companies.

- Effective, November 10, 2005 

Director, BS&R

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority November 6, 2005 to November 12, 2005

International Operations

Citibank, N.A., New York, New York -- modification of the aggregate investment 

limit under Regulation K for certain investments of Citibank Overseas Investment 

Corporation, New Castle, Delaware.

- Approved, November 10, 2005 

Director, BS&R

Membership

Paradise Bank, Boca Raton, Florida -- to become a member of the Federal Reserve 

System.

- Approved, November 10, 2005 

Atlanta

Reelfoot Bank, Union City, Tennessee -- to become a member of the Federal 

Reserve System.

- Approved, November 7, 2005 

St. Louis

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

Federal Reserve Bank of Boston

Filings received during the week ending November 12, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

10/15/2005

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 November 12, 2005

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 November 12, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

12/08/2005

National Penn Bancshares, Inc., Boyertown,

PA, to acquire 100% of Nittany Financial

Corp., State College, PA, and thereby

indirectly acquire Nittany Bank, State College,

PA.

NATIONAL 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 November 12, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 12/03/2005

12/05/2005

Whitaker Bank Corporation of Kentucky,

Lexington, KY to acquire the voting shares of

Berea Community Bank, Inc., Berea, KY (fka

Berea National Bank) pursuant to Section

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

WHITAKER BANK

CORPORATION OF

KENTUCKY

* 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 November 12, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Congressional Bancshares, Inc., Potomac,

Maryland, to become a bank holding company

by acquiring 100% of the voting shares of

Congressional Bank, Potomac, Maryland.

Congressional Bancshares, Inc.

* 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 November 12, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Bank Independent, Sheffield, Alabama, to

establish a branch located at 304 East Dr.

Hicks Boulevard, Florence, Alabama.

BANK INDEPENDENT

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Cornerstone Bancshares, Inc., along with its

subsidiary, EFI Acquisition, Inc., both of

Chattanooga, Tennessee, to acquire

substantially all of the assets and assume

substantially all of the liabilities of Eagle

Financial, LLC, and Eagle Funding, LLC, both

of Chattanooga, Tennessee, and thereby engage

in providing factoring services to small

business and also provide services as a loan

broker serving as a facilitator to small

businesses to access the national credit

markets.

CORNERSTONE

BANCSHARES, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First Vision Bank of Tennessee, Tullahoma,

Tennessee, to become a member of the Federal

Reserve System.

FIRST VISION BANK OF

TENNESSEE

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 11/18/2005

a branch located at 121 Rolling Hill Road,

Suite 225, Lakeside Professional Building,

Mooresville, North Carolina, to be known as

the Motorsports-Mooresville Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending November 12, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

11/29/2005

Bank of Montreal, Montreal, Canada; Harris

Financial Corp., Wilmington, Delaware; and

Harris Bankcorp, Inc., Chicago, Illinois,

proposes to engage de novo in financial and

investment advisory activities and securities

brokerage through Harris Investor Services,

Inc., Chicago, Illinois.

BANK OF MONTREAL

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Belmont Financial Group, Inc., Chicago,

Illinois, to become a bank holding company by

acquiring 100 percent of the voting shares of

Belmont Bank & Trust Company (in

organization), Chicago, Illinois.

Belmont Financial Group, Inc.

Newspaper:

Federal Register:

* 3A3 Not available

11/28/2005

Capitol Bancorp, Ltd. Lansing, Michigan and

Capitol Development Bancorp Limited III,

Lansing, Michigan, to acquire 51 percent of

the voting shares of Bank of Santa Barbara (in

organization), Santa Barbara, California.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A1 Not available

11/18/2005

CenterBank Financial, Inc., Northfield,

Illinois, to become a bank holding company by

acquiring 100 percent of the voting shares of

CenterBank and Trust, National Association

(in organization), Deerfield, Illinois.

CENTERBANK FINANCIAL,

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Chemical Bank and Trust Company, Midland,

Michigan, to merge with Chemical Bank West,

Walker, Michigan and Chemical Bank

Shoreline, Benton Harbor, Michigan, and

therby to establish branches.

CHEMICAL BANK AND

TRUST COMPANY

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

branch facilities to be located at 6812 Katella

Ave., Cypress, California; 318A Diablo Road,

Ste. 100, Danville, California; and 6301

Wilshire Blvd., Los Angeles, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 11/10/2005

branch facilities to be located at 1825 S. Val

Vista Drive, Mesa, Arizona and 14801 N.

Scottsdale Road, Scottsdale, Arizona.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 Not available

12/05/2005

First Citizens Financial Corp., Mason City,

Iowa, to acquire 100 percent of Kanabec Credit

Company, Mora, Minnesota, and thereby

indirectly acquire Kanabec State Bank, Mora,

Minnesota.

FIRST CITIZENS FINANCIAL

CORP.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Midwest Bank, Itasca, Illinois, to

purchase the assets and assume the liabilities

of the Carpentersville, Illinois branch of Elgin

State Bank, Elgin, Illinois, and thereby to

establish a branch located at 2250 Randall

Road, Carpentersville, Illinois.

FIRST MIDWEST BANK

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

Federal Reserve Bank of Chicago

Filings received during the week ending November 12, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 12/03/2005

12/09/2005

First State Associates, Inc., Inc., Hawarden,

Iowa, to acquire the remaining 50 percent of

The Hawarden Banking Company, Hawarden,

Iowa, and thereby indirectly own 100 percent

of First State Bank, Hawarden, Iowa.

FIRST STATE ASSOCIATES,

INC.

Newspaper:

Federal Register:

* 3A1 Not available

12/09/2005

Indiana Bank Corp., Terre Haute, Indiana, to

become a bank holding company by acquiring

100 percent of the voting shares of The First

National Bank of Dana, Dana, Indiana.

INDIANA BANK CORP.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 12/12/2005

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

become a bank holding company by acquiring

100 percent of the voting shares of STC

Capital Bank (in organization), St. Charles,

Illinois, and the notification to engage de novo

in extending credit and servicing loans.

STC BANCSHARES CORP.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

12 Day prior notice - West Bancorporation,

West Des Moines, Iowa, proposes to acquire

100 percent of Investors Management Group,

Des Moines, Iowa, and thereby engage in

financial and investment advisory activities

and agency transactional services for customer

investments pursuant to Section 225.28(b)(6)

and (7) of Regulation Y.

WEST BANCORPORATION,

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

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 November 12, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/26/2005

12/08/2005

Clay County State Bancshares, Inc., Louisville,

Illinois, to become a bank holding company by

acquiring 100 percent of Clay County State

Bank, Louisville, Illinois.

CLAY COUNTY STATE

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5

4c8 Not available

Clayton Bancorp, Inc., Henderson, Tennessee, 12/04/2005

to merge with Bancshares of Camden, Inc.,

Camden, Tennessee, and thereby indirectly

acquire Bank of Camden, Camden, Tennessee.

Also, Clayton Bancorp, Inc., Henderson,

Tennessee, to indirectly engage in reinsuring

credit life, credit accident, and health

insurance activies through the indirect

acquisition of BOC Reinsurance Company,

Ltd., Crossville, Tennessee.

CLAYTON BANCORP, INC

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Clayton Bancorp, Inc., Henderson, Tennessee,

to indirectly acquire BOC Reinsurance

Company, Ltd., Turks and Caicos Islands,

British West Indies, pursuant to Section

211.10(a)(5) of Regulation K.

CLAYTON BANCORP, INC

Newspaper:

Federal Register:

* 3A3 11/28/2005

12/12/2005

Community First Bancshares, Inc., Harrison,

Arkansas ("Community"), to acquire additional

shares of White River Bancshares Company,

Fayetteville, Arkansas ("Bancshares"), and

thereby indirectly acquire Signature Bank,

Fayetteville, Arkansas. The acquisition will

result in Community retaining ownership of up

to 23.33 percent of Bancshares stock.

COMMUNITY FIRST

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 11/16/2005

11/29/2005

Notice by the Carlisle Family Control Group,

Holly Springs, Mississippi, to retain control of

Holly Springs Bancshares, Inc., Holly Springs,

Mississippi. The Carlisle Family Control

Group consists of Dennis C. Carlisle, Sr.,

Martha Carlisle, Dennis Carlisle, Jr., Fred

Carlisle, and the Dennis Carlisle Trust, all of

Holly Springs, Mississippi.

HOLLY SPRINGS

BANCSHARES INC

Newspaper:

Federal Register:

CIC 11/16/2005

11/29/2005

Notice by John Dabney Brown, Holly Springs,

Mississippi, to retain control of Holly Springs

Bancshares, Inc., Holly Springs, Mississippi.

HOLLY SPRINGS

BANCSHARES INC

Newspaper:

Federal Register:

CIC 11/16/2005

11/29/2005

Notice by the Gresham Family Control Group,

Holly Springs, Mississippi, to retain control of

Holly Srings Bancshares, Inc., Holly Springs,

Mississippi. The Gresham Family Control

Group consists of Sparkman Boothe Gresham,

Frances McGill Gresham, Steven McGill

Gresham, Anita Barnett, and Amanda Barnett,

all of Holly Springs, Mississippi.

HOLLY SPRINGS

BANCSHARES INC

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

Federal Reserve Bank of St.Louis

Filings received during the week ending November 12, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/16/2005

11/29/2005

Notice by the Fant Family Control Group, to

retain control of Holly Springs Bancshares,

Inc., Holly Springs, Mississippi. The Fant

Family Control Group consists of L.G. Fant,

III, Washington, D.C.; William H.S. Fant,

Potomoc, Maryland; James Fant, San

Francisco, California; Cordelia Fantova,

Atlanta, Georgia; Nancy Fant Smith, Oxford,

Mississippi; Nancy Tisue, Knoxville,

Tennessee; L.G. Fant Smith, Murfreesboro,

Tennessee; Margaret Rhodes, Atlanta,

Georgia; Catherine Smith, Nashville,

Tennessee; and Orma R. Smith, III, Corinth,

Mississippi.

HOLLY SPRINGS

BANCSHARES INC

Newspaper:

Federal Register:

* 3A3

Not available

Home Bancshares, Inc., Conway, Arkansas 11/26/2005

("Home"), to acquire additional shares of

White River Bancshares Company,

Fayetteville, Arkansas ("Bancshares"), and

thereby indirectly acquire Signature Bank,

Fayetteville, Arkansas. The acquisition will

result in Home retaining ownership of up to

20.0 percent of Bancshares stock.

HOME BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by a group acting in concert to gain

control of MemphisFirst Corporation,

Memphis, Tennessee. The group consists of

Scott Lee Bolding, Fayetteville, Arkansas;

John Spellings Everett, Collierville, Tennessee;

John Edgar Griffin, Columbus, Mississippi;

Dayton Reid Hedgepeth, Memphis, Tennessee;

Donald Lee Hutson, Memphis, Tennessee;

Pritesh Bhagubhai Patel, Fort Worth, Texas;

Jon Abner Reeves, Southaven, Mississippi;

James Lee Stafford, West Point, Mississippi;

James Lynn Teel, Winter Park, Florida; Brent

Derek Trulove, Memphis, Tennessee; Frank

Pearson Uhlhorn, Germantown, Tennessee;

Theodore Gaillard Uhlhorn, V, Memphis,

Tennessee; John Bullington Walker,

Germantown, Tennessee; and William Gerald

Washington, Randolph, Mississippi.

MEMPHISFIRST

CORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Reelfoot Bank, Union City, Tennessee, to

become a member of the Federal Reserve

System.

REELFOOT BANK

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

Federal Reserve Bank of St.Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending November 12, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Shirley A. Davidson; the Shirley A. Davidson

Marital Trust, Shirley A. Davidson trustee;

Tamara M. Davidson-Sogard; the Tamara M.

Davidson-Sogard Family Generation Skipping

Trust, Tamara M. Davidson-Sogard trustee;

Patrick Oliver Sogard; Barrett W. Sogard; the

Barrett W. Sogard Trust; Isabella M. Sogard;

the Isabella M. Sogard Trust; Oliver T.

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

Sogard; and the Thomas P. Sogard Trust all of

Williston, North Dakota and Thomas M.

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

Family Generation Skipping Trust, Thomas M.

Davidson Jr. trustee of Minneapolis,

Minnesota, a group acting in concert, to

acquire 25 percent or more of the shares of

American State Bank Holding Company, Inc.,

Williston, North Dakota, and thereby indirectly

gain control of American State Bank & Trust

Company of Williston, Williston, North

Dakota. In addition, Shirley A. Davidson,

Tamara M. Davidson-Sogard, and Patrick O.

Sogard to individually acquire 25 percent or

more of the shares of American State Bank

Holding Company, Inc., Williston, North

Dakota, and thereby indirectly gain control of

American State Bank & Trust Company of

Williston, Williston, North Dakota.

AMERICAN STATE BANK

HOLDING COMPANY, INC.

Newspaper:

Federal Register:

* 3A3 Not available

12/05/2005

First Sleepy Eye Bancorporation, Inc., Sioux

Falls, South Dakota, to acquire 100 percent of

Stearns Bank Evansville, N.A., Evansville,

Minnesota.

FIRST SLEEPY EYE

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC Not available

11/22/2005

Notice by the John C. Elsenpeter 2004 Term

Trust and the John C. Elsenpeter 2005 Term

Trust ("JCE Trusts"); John C. Elsenpeter,

individually and as trustee of the JCE Trusts;

The Vicki J. Elsenpeter 2004 Term Trust and

The Vicki J. Elsenpeter 2005 Term Trust

("VJE Trusts"); and Vicki J. Elsenpeter,

individually and as trustee of the VJE Trusts,

all of Walker, Minnesota, a group acting in

concert, to acquire 25 percent or more of the

shares of Walker Ban Co., Walker, Minnesota,

and thereby indirectly gain control of First

National Bank of Walker, Walker, Minnesota

and Lakes State Bank, Pequot Lakes,

Minnesota.

WALKER BAN CO.

* 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 November 12, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 5D3 Not available

* Branch

* 18C

* Branch

Not applicable

First State Bank, N.M., Taos, New Mexico, to

merge with Access Bank, Clovis, New Mexico,

and Ranchers Banks, Belen, New Mexico, and

incident thereto, to establish several branches.

FIRST STATE BANK N.M.

Newspaper:

Federal Register:

* Branch

Not applicable

First State Bank, N.M., Taos, New Mexico, to 11/18/2005

establish a branch at 5225 N. Academy, Suite

100, Colorado Springs, Colorado.

FIRST STATE BANK N.M.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

FirsTier II Bancorp, Cheyenne, Wyoming, to

become a bank holding company through the

reorganization of 100 percent of the voting

shares of FirsTier Bank, Nebraska, Kimball,

Nebraska.

FIRSTIER II BANCORP.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

FirsTier III Bancorp, Broomfield, Colorado, to

become a bank holding company through the

reorganization of 100 percent of the voting

shares of FirsTier Bank, Colorado, Louisville,

Colorado.

FIRSTIER III BANCORP.

Newspaper:

Federal Register:

CIC 11/30/2005

12/01/2005

Notification by Scott Neil Selko, Mead,

Nebraska, to acquire control of Selko Banco,

Inc., parent of Bank of Mead, both in Mead,

Nebraska.

SELKO BANCO, INC.

Newspaper:

Federal Register:

CIC Not available

11/22/2005

Notification by Clarkson D. Lauritzen, Omaha,

Nebraska, to acquire control of The Viking

Corporation, Omaha, Nebraska, parent of

Crawford County Trust and Savings Bank,

Denison, Iowa; and Landmands National

Bank, Audubon, Iowa.

VIKING CORPORATION, THE

Newspaper:

Federal Register:

CIC 11/28/2005

11/29/2005

Notice by Robert J. Barmann, Jr., Platte City,

Missouri; and James L. Baber, Weston,

Missouri, as individuals; and Robert J.

Barmann, Jr., Platte City, Missouri; James L.

Baber, Weston, Missouri, and Robert M.

McGinness, Platte City, Missouri; as a group

acting in concert, to acquire control of Wells

Bancshares, parent of Wells Bank of Platte

City, both in Platte City, Missouri.

WELLS BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 10/29/2005

12/08/2005

Western State Bancshares, Waterloo,

Nebraska, to become a bank holding company

through the acquisition of up to 100 percent of

the voting shares of Western State Bank,

Waterloo, Nebraska.

WESTERN STATE

BANCSHARES, 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 November 12, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/20/2005

12/05/2005

Patriot Bancshares, Inc., Houston, Texas, to

become a bank holding company by acquiring

100 percent of Patriot Bank, Houston, Texas.

PATRIOT BANCSHARES, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Riverbend Financial Corportion, Fort Worth,

Texas, and Riverbend Financial Corporation -

Nevada, Carson City, Nevada, to become bank

holding companies by acquiring 100 percent of

Riverbend Bank, Fort Worth, Texas.

RIVERBEND FINANCIAL

CORPORATION

Newspaper:

Federal Register:

CIC 11/11/2005

11/22/2005

Notice by Mr. Bill Don Pittman and Mrs.

Ginger Carol Pittman, Spearman, Texas, to

increase ownership and voting control from

30.64 percent to 30.73 percent in Spearman

Bancshares, Inc., Spearman, Texas, and

indirectly Spearman Financial Corporation,

Dover, Delaware, and First National Bank,

Spearman, Texas.

SPEARMAN 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 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 November 12, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of the Federated States of Micronesia,

Kolonia, Pohnpei, Federated States of

Micronesia, to establish a limited service

non-insured branch in Honolulu, Hawaii,

pursuant to section 7(d)of the International

Banking Act, and section 211.24(a)(1) of

Regulation K.

BANK OF THE FEDERATED

STATES OF MICRONESIA

Newspaper:

Federal Register:

* Branch

Not applicable

County Bank, Merced, California, to establish 10/13/2005

a branch facility at 1375 Exposition Boulevard,

Sacramento, California.

COUNTY BANK

Newspaper:

Federal Register:

* Branch

Not applicable

East West Bank, San Marino, California, to 11/04/2005

establish a branch facility to be located at

15333 Culver Drive, Irvine, California.

EAST WEST BANK

* 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