H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 33 

Week Ending August 13, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions August 7, 2005 to August 13, 2005 

Discount Rates 

Discount and Advance Rates -- increase in the primary credit rate from 4-1/4 

percent to 4-1/2 percent by twelve Federal Reserve Banks. 

- Approved, August 9, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority August 7, 2005 to August 13, 2005 

BS&R Banking Supervision and Regulation RBOPS Reserve Bank Operations and Payment Systems 

C&CA Consumer and Community Affairs IF International Finance 

FOMC Federal Open Market Committee OSDM Office of Staff Director for Management 

Bank Branches, Domestic 

St. Louis 

Allied Bank, Mulberry, Arkansas -- to establish a branch at 112 Pointer Trail West, 

Van Buren. 

- Approved, August 12, 2005 

Secretary 

Comerica Bank, Detroit, Michigan -- to establish a branch at 3800 Owen Road, 

Fenton. 

- Approved, August 8, 2005 

Atlanta 

Compass Bank, Birmingham, Alabama -- to establish a branch at South West Mall, 

8501 West Bowles Avenue, Littleton, Colorado. 

- Approved, August 9, 2005 

San Francisco 

County Bank, Merced, California -- to establish a branch temporarily at 451 Clovis 

Avenue, Clovis, and then permanently at 436 Shaw Avenue. 

- Approved, August 10, 2005 

Kansas City 

Gold Bank, Leawood, Kansas -- to establish a branch at Clark and Shangri La 

Roads, Sarasota, Florida. 

- Approved, August 11, 2005 

San Francisco 

Mission Community Bank, San Luis Obispo, California -- to establish a mobile 

branch courier service in San Luis Obispo and northern Santa Barbara Counties. 

- Approved, August 10, 2005 

Richmond 

New Peoples Bank, Inc., Honaker, Virginia -- to establish a branch in Cleveland. 

- Approved, August 12, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 8 
H.2 Actions under delegated authority August 7, 2005 to August 13, 2005 

Bank Branches, Domestic 

Cleveland 

Ohio Heritage Bank, Coshocton, Ohio -- to establish a branch on 21st Street, 

Newark. 

- Approved, August 10, 2005 

Cleveland 

Ohio Heritage Bank, Coshocton, Ohio -- to establish a branch on Yauger Road, 

Mount Vernon. 

- Approved, August 10, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 748 Beal Parkway 

Northwest, Ft. Walton Beach, Florida. 

- Approved, August 11, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish branches at 2650 Creighton Road, 

Pensacola, Florida, and 2461 East Gulf to Lake Highway, Inverness. 

- Approved, August 11, 2005 

Bank Holding Companies 

Atlanta 

CCB Financial Corporation, Jonesboro, Georgia -- to become a bank holding 

company and to acquire Community Capital Bank. 

- Withdrawn, August 10, 2005 

Atlanta 

Civic Bancorp, Nashville, Tennessee -- to become a bank holding company and to 

acquire Civic Bank & Trust, a de novo bank. 

- Approved, August 10, 2005 

Richmond 

Coastal Banking Company, Inc., Beaufort, South Carolina -- to merge with First 

Capital Bank Holding Company, Inc., Fernandina Beach, Florida. 

- Approved, August 8, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 8 
H.2 Actions under delegated authority August 7, 2005 to August 13, 2005 

Bank Holding Companies 

St. Louis 

Kirksville Bancorp, Inc., Kirksville, Missouri -- to become a bank holding company 

and to acquire American Trust Bank, a de novo bank. 

- Approved, August 11, 2005 

Chicago 

Lamplighter Financial, MHC, Wauwatosa, Wisconsin, and Wauwatosa Holdings, 

Inc. -- to become bank holding companies and to acquire Wauwatosa Savings Bank. 

- Approved, August 12, 2005 

Director, BS&R 

Neighborhood Bancorp, National City, California -- relief from certain 

commitments. 

- Granted, August 12, 2005 

Kansas City 

Peak Banks of Colorado, Inc., Nederland, Colorado -- to acquire Clear Creek Bank 

Corp., Idaho Springs, and thereby acquire First State Bank. 

- Withdrawn, August 9, 2005 

St. Louis 

Security Associated Holding Corporation, Hot Springs, Arkansas -- to become a 

bank holding company and to acquire The Stephens Security Bank, Stephens. 

- Approved, August 11, 2005 

St. Louis 

Union Bankshares, Inc., Mena, Arkansas -- to acquire First Paris Holding Company, 

Little Rock, and thereby acquire The First National Bank at Paris, Paris. 

- Approved, August 11, 2005 

Bank Mergers 

Secretary 

East West Bank, San Marino, California -- to merge with United National Bank and 

thereby establish branches. 

- Approved, August 11, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 8 
H.2 Actions under delegated authority August 7, 2005 to August 13, 2005 

Bank Premises 

St. Louis 

Bank of Little Rock, Little Rock, Arkansas -- to increase its investment in bank 

premises. 

- Approved, August 12, 2005 

Kansas City 

The Citizens-Farmers Bank of Cole Camp, Cole Camp, Missouri -- to increase its 

investment in bank premises. 

- Approved, August 12, 2005 

Change In Bank Control 

Richmond 

Independence Bancshares, Inc., Greenville, South Carolina -- to retain control of 

Independence Bancshares, Inc. 

- Permitted, August 12, 2005 

Competitive Factors Reports 

Chicago 

Abby Bank, Abbotsford, Wisconsin -- report on competitive factors of the proposed 

merger with Abbotsford Investment Corporation, Las Vegas, Nevada. 

- Submitted, August 8, 2005 

Minneapolis 

Bank Midwest Minnesota-Iowa, National Association, Fairmont, Minnesota -- 

report on competitive factors of the proposed purchase of certain assets and 

assumption of certain liabilities of the New Ulm branch of TCF National Bank, 

Wayzata. 

- Submitted, August 8, 2005 

Chicago 

Bank of Kenney, Kenney, Illinois -- report on competitive factors of the proposed 

merger with Interim Bank of Kenney. 

- Submitted, August 10, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 8 
H.2 Actions under delegated authority August 7, 2005 to August 13, 2005 

Competitive Factors Reports 

San Francisco 

Bank of the West, San Francisco, California -- report on competitive factors of the 

proposed merger with Commercial Federal Bank, A Federal Savings Bank, Omaha, 

Nebraska. 

- Submitted, August 10, 2005 

Kansas City 

Colorado East Bank & Trust, Lamar, Colorado -- report on competitive factors of 

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

Pueblo branch of Peoples National Bank, Colorado Springs. 

- Submitted, August 9, 2005 

Atlanta 

Community Capital Bank, Jonesboro, Georgia -- report on competitive factors of 

the proposed merger with Community Capital Interim Corporation. 

- Submitted, August 8, 2005 

Chicago 

Cresco Union Savings Bank, Cresco, Iowa -- report on competitive factors of the 

proposed merger with Peoples Savings Bank, Charles City. 

- Submitted, August 8, 2005 

Minneapolis 

First National Bank, Ft. Pierre, South Dakota -- report on competitive factors of the 

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

Preston branch of First Savings Bank Federal Savings Bank, Beresford. 

- Submitted, August 9, 2005 

St. Louis 

First State Bank and Trust Company, Inc., Caruthersville, Missouri -- report on 

competitive factors of the proposed merger with Bank of Hayti, Hayti. 

- Submitted, August 8, 2005 

Dallas 

First United Bank, San Diego, California -- report on competitive factors of the 

proposed interim merger with MetroCorp Facilitation, Inc., Wilmington, Delaware. 

- Submitted, August 9, 2005 

(AC) = Addition or Correction Delegated - Page 5 of 8 
H.2 Actions under delegated authority August 7, 2005 to August 13, 2005 

Competitive Factors Reports 

Boston 

Legacy Banks, Pittsfield, Massachusetts -- report on competitive factors of the 

proposed merger with its affiliate, Mutual Bancorp of the Berkshires. 

- Submitted, August 11, 2005 

Chicago 

Main Street Bank & Trust, Champaign, Illinois -- report on competitive factors of 

the proposed merger with Citizens Savings Bank, Bloomington. 

- Submitted, August 8, 2005 

Philadelphia 

Nova Savings Bank, Philadelphia, Pennsylvania -- report on competitive factors of 

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

Exton branch of Susquehanna Patriot Bank, Marlton, New Jersey. 

- Submitted, August 9, 2005 

San Francisco 

Pacific Liberty Bank, Huntington Beach, California -- report on competitive factors 

of the proposed merger with PLB Acquisition Corporation, Santa Monica. 

- Submitted, August 10, 2005 

San Francisco 

Pacific Western National Bank, Santa Monica, California -- report on competitive 

factors of the proposed merger with Pacific Liberty Bank, Huntington Beach. 

- Submitted, August 10, 2005 

Chicago 

River Bank, Stoddard, Wisconsin -- report on competitive factors of the proposed 

merger with Farmers State Bank, Bangor. 

- Submitted, August 8, 2005 

Chicago 

ShoreBank, Chicago, Illinois -- report on competitive factors of the proposed 

merger with ShoreBank, Cleveland, Ohio. 

- Submitted, August 8, 2005 

(AC) = Addition or Correction Delegated - Page 6 of 8 
H.2 Actions under delegated authority August 7, 2005 to August 13, 2005 

Competitive Factors Reports 

Atlanta 

Wauchula State Bank, Wauchula, Florida -- report on competitive factors of the 

proposed purchase of the Sebring branch of Citrus Bank, N.A., Vero Beach, Florida. 

- Submitted, August 10, 2005 

San Francisco 

World Financial Capital Bank, Salt Lake City, Utah -- report on competitive factors 

of the proposed merger with JLB Service Bank, New Castle, Delaware. 

- Submitted, August 8, 2005 

Extensions Of Time 

Dallas 

FBC Bancshares, Inc., Conroe, Texas, and FBC Delaware Corporation, 

Wilmington, Delaware -- extension to November 23, 2005, to become bank holding 

companies and to acquire First Bank of Conroe, N.A. 

- Granted, August 9, 2005 

Richmond 

First Charter Bank, Charlotte, North Carolina -- extension to March 9, 2006, to 

establish a branch at 7809 Colony Road. 

- Granted, August 9, 2005 

Dallas 

First National Bank Group, Inc., Edinburg, Texas -- extension to November 12, 

2005, to acquire 14.99 percent of Alamo Corporation of Texas, Alamo, and thereby 

acquire Alamo Corporation of Delaware, Wilmington, Delaware, and Alamo Bank 

of Texas, Alamo, Texas. 

- Granted, August 11, 2005 

Chicago 

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to November 5, 

2005, to establish a branch at the intersection of Power and McDowell Roads, 

Mesa, Arizona. 

- Granted, August 10, 2005 

(AC) = Addition or Correction Delegated - Page 7 of 8 
H.2 Actions under delegated authority August 7, 2005 to August 13, 2005 

Extensions Of Time 

Richmond 

Old Line Bank, Waldorf, Maryland -- extension to February 13, 2006, to establish a 

branch at 1641 State Route 3 North, Crofton. 

- Granted, August 10, 2005 

Atlanta 

Regions Bank, Birmingham, Alabama -- extension to September 5, 2006, to 

establish a branch at Military Trail and University Boulevard, Jupiter, Florida. 

- Granted, August 10, 2005 

Regulations And Policies 

Secretary 

Regulation CC -- technical amendments to Appendix A to reflect the restructuring 

of check processing operations in the San Francisco Federal Reserve District 

(Docket No. R-1233). 

- Approved, August 8, 2005 

FOMC 

Short-term Interest Rates -- increase in the target for the federal funds rate from 3-

1/4 percent to 3-1/2 percent. 

- Approved, August 9, 2005 

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

Federal Reserve Bank of Boston

Applications and notifications filed during the week ending Saturday, August 13, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) Florence Bancorp, MHC, Florence, Massachusetts - to become a 

bank holding company through the acquisition of 100% of the 

voting shares of Florence Savings Bank, Florence, 

Massachusetts

Newspaper – 08/17/2005

Fed Reg – 08/15/2005

3(a)(1) & 3(a)(3) Monson Financial Services MHC and Monson Financial 

Services Corp., both of Monson, Massachusetts - to become a 

mutual bank holding company and a stock bank holding 

company, respectively, by acquiring Monson savings Bank, 

Monson, Massachusetts

Newspaper – N/Avail

Fed Reg – 09/01/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

Foreign Branch Charter One Bank, National Association, Cleveland, Ohio - to 

establish a Cayman Islands branch in the British West Indies 

pursuant to Subpart A, section 221.3(b) of Regulation Y
Section V – 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.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 2

Federal Reserve Bank of New York

Applications and notifications filed during the week ending Saturday, August 13, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA Deutche Genossenschafts-Hypothekenbank AG, Hamburg, 

Germany, to establish a representative office in New York, New 

York.

Newspaper – N/Avail

FBSEA The Governor and Company of The Bank of Ireland, Dublin, 

Ireland, to establish a representative office in Los Angeles, 

California.

Newspaper – N/Avail

FBSEA Kreditanstalt fur Wiederaufbau, Frankfurt, Germany, to establish 

a representative office in New York, New York.

Newspaper – N/Avail

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

*18C, 3A3, and

Branch

Interchange Financial Services Corporation(“IFSC”) and its 

wholly-owned subsidiary, Interchange Bank (“Interchange”), 

both of Saddle Brook, New Jersey, seek the prior approval of the 

Board of Governors of the Federal Reserve System of the 

merger of Franklin Bank (“Franklin”), Nutley, New Jersey with 

and into Interchange and for IFSC to acquire 100% of the voting

stock of Franklin Interchange Also requests approval pursuant 

to section 9 of the Federal Reserve Act to establish a branch 

office at the current location of Franklin upon completion of the 

merger.

Newspaper – 08/27/2005

Fed Reg – 09/06/2005

*3A5 NBT Bancorp Inc., Norwich, New York, proposes to acquire 

CNB Bancorp Inc., and thereby indirectly acquire City National 

Bank and Trust Company, both of Gloversville, New York.

Newspaper – N/Avail

Fed Reg – N/Avail

* Subject to the provisions of the Community Reinvestment Act.
Section III – Applications subject to Fede ral Register notice only

Type Application

Ending date of

comment period

4C8 HSH Nordbank AG, Hamburg, Germany and WestLB AG, 

Dusseldorf, Germany, to engage de novo through BoA Nevada 

Lending LLP, a joint venture investment, in extending credit and 

servicing loans.

Fed Reg – 09/01/2005

4C8 Norddeutsche Landesbank Girozentrale, Hanover, Germany, 

proposes to engage de novo through Nord/LB Financial Services 

LLC, in financial and investment advisory services.

Fed Reg – N/Avail

Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – 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.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None
Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 3

Federal Reserve Bank of Philadelphia

Applications and notifications filed during the week ending Saturday, August 13, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

FIRREA Notice by Fulton Bancshares Corporation, McConnellsburg, PA 

to appoint Mr. John McNew as Senior Loan Officer, pursuant to 

Section 914 of FIRREA and Section 225.72 of Regulation Y.
Section V – 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.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 4

Federal Reserve Bank of Cleveland

Applications and notifications filed during the week ending Saturday, August 13, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

*18(c) & Branch Application by The Citizens Banking Company, Sandusky, OH 

to merge with First Citizens Bank, New Washington, OH and 

incident thereto establish branches

Newspaper – N/Avail

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 4923 

William Penn Highway, Murraysville, PA

Newspaper – 08/05/2005

*Branch Fifth Third Bank, Cincinnati, OH to establish a branch at 4733 

Suder Avenue, Toledo, OH

Newspaper – 08/05/2005

*Subject to the provisions of the Community Reinvestment Act

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

*3(a)(5) Rurban Financial Corp., Defiance, Ohio to acquire Exchange 

Bancshares, Inc., Luckey, Ohio and as a result acquire all of the 

issued and outstanding capital stock of The Exchange Bank. 

Rurban will be the surviving corporation in the merger. 

Exchange Bank will operate as a separate bank subsidiary of 

Rurban following completion of the merger

Newspaper – 08/18/2005

Fed Reg – N/Avail

*Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None
Section V – 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.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 5

Federal Reserve Bank of Richmond

Applications and notifications filed during the week ending Saturday, August 13, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Fidelity & Trust Bank, Bethesda, Maryland, to establish 

a branch at 1720 Eye Street, NW, Washington, D. C.*

Newspaper – 08/20/2005

Branch Bank of Clarke County, Berryville, Virginia, to establish a 

branch at Route 50 West, Round Hill Crossing, Winchester, 

Virginia.*

Newspaper – 08/23/2005

*Subject to the provisions of the Community Reinvestment Act.

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

None

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None
Section V – 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.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 6

Federal Reserve Bank of Atlanta

Applications and notifications filed during the week ending Saturday, August 13, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) Bank Independent, Sheffield, Alabama, to acquire certain assets 

and assume certain liabilities of 13 branches of Colonial Bank, 

N.A., Montgomery, Alabama. The branches are as follows: 

Athens Location-101 S. Clinton Street, Athens, Alabama; 

Hartselle Location-902 Highway 31 North, Hartselle, Alabama; 

Decatur Beltline Location-1425 Beltline Road SW, Decatur, 

Alabama; Decatur Main Location-102 2nd Avenue SE, Decatur, 

Alabama; Red Bay Location-117 4th Avenue South, Red Bay, 

Alabama; Moulton Location-720 Seminary Street, Moulton, 

Alabama; Russellville Location-101 Jackson Avenue, 

Russellville, Alabama; Tuscumbia Location-101 South Main 

Street, Tuscumbia, Alabama; Lexington Location-11250 

Highway 101, Lexington, Alabama; Florence Downtown 

Location-201 E. Dr. Hicks Boulevard, Florence, Alabama; 

Village Square Location-13566 Highway 43 - South, 

Russellville, Alabama; Muscle Shoals Location-530 W. Avalon 

Avenue, Muscle Shoals, Alabama; Florence Mall Location-2704 

Hough Road, Florence, Alabama.*

Newspaper – N/Avail

Branch Compass Bank, Birmingham, Alabama, to establish a branch 

located in a kiosk at Colonial Bel Air Mall, 3299 Bel Air Mall, 

Mobile, Alabama, to be known as the Mobile - Bel Air Mall 

Branch.*

Newspaper – 08/23/2005

Branch Compass Bank, Birmingham, Alabama, to establish a branch 

located at 105 Doug Baker Boulevard, Birmingham, Alabama, 

to be known as the Doug Baker Branch.*

Newspaper – 08/23/2005

Branch Compass Bank, Birmingham, Alabama, to establish a branch 

located at 1085 East Baseline Road, Phoenix, Arizona, to be 

known as the Phoenix - Baseline Branch.*

Newspaper – 08/23/2005

Branch Compass Bank, Birmingham, Alabama, to establish a branch 

located at 5740 West Bell Road, Phoenix, Arizona, to be known 

as the Phoenix - Bell Branch.*

Newspaper – 08/23/2005

Branch Compass Bank, Birmingham, Alabama, to establish a branch 

located at 2780 West Peoria Avenue, Phoenix, Arizona, to be 

known as the Phoenix - Peoria Branch.*

Newspaper – 08/23/2005
Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch IBERIABANK, Lafayette , Louisiana, to establish a branch 

located at 4565 LaSalle Street, Mandeville, Louisiana.*

Newspaper – 08/26/2005

Branch Regions Bank, Birmingham, Alabama, to establish a branch 

located at 3607 Cheryl Lane, Lafayette, Indiana.*

Newspaper – 08/16/2005

Branch SunTrust Bank, Atlanta, Georgia, to establish a branch located at 

9407 W. Poplar Avenue, Germantown, Tennessee, to be known 

as the Poplar & Johnson Office.*

Newspaper – 08/21/2005

Branch SunTrust Bank, Atlanta, Georgia, to establish a branch located at 

the intersection of U.S. Highway 70 and Airline Road, 

Arlington, Tennessee, to be known as the Arlington Kroger 

Office.*

Newspaper – 08/21/2005

Branch SunTrust Bank, Atlanta, Georgia, to establish a branch located at 

3054 Columbia Avenue, Franklin, Tennessee, to be known as 

the Mack Hatcher Kroger Office.*

Newspaper – 08/21/2005

*Subject to provisions of the Community Reinvestment Act

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC PanAmerican Bancorp, Miami, Florida, prior change in control 

notice filed by York Capital Management L.P.,York Investment 

Limited, and York Global Partners, L.P., all of New York City, 

New York, to collectively acquire 24.76 percent of the

outstanding shares of PanAmerican Bancorp, and its subsidiary 

bank, PanAmerican Bank, both of Miami, Florida. Pro forma 

total ownership will be 24.76 percent.

Newspaper – 08/25/2005

Fed Reg – 08/30/2005

3(a)(1) Northside Bancshares, Inc., Northside Bancshares, Inc.,

Adairsville, Georgia, to become a bank holding company by 

acquiring 100 percent of the outstanding shares of Northside 

Bank, Adairsville, Georgia (in organization).*

Newspaper – 08/31/2005

Fed Reg – 09/02/2005

*Subject to provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – 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.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 7

Federal Reserve Bank of Chicago

Applications and notifications filed during the week ending Saturday, August 13, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Johnson Bank, Racine, Wisconsin, to establish a branch facility 

to be located at 3524 7th Avenue, Kenosha, Wisconsin.*

Newspaper – 08/19/2005

* Subject to the provisions of the Community Reinvestment Act

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) & 3(a)(1) Capitol Bancorp, Ltd., Lansing, Michigan, indirectly through 

Capitol Development Bancorp Limited III, Lansing, Michigan, 

to acquire 51 percent of Bank of Santa Barbara (in organization), 

Santa Barbara, California; and by Capitol Development Bancorp 

Limited III, Lansing, Michigan, to become a bank holding 

company by acquiring 51 percent of the voting shares of Bank of 

Santa Barbara (in organization), Santa Barbara, California.*

Fed Reg – 08/23/2005

Newspaper – N/Avail

CIC Notice by Ben D. Grimstad, Decorah, Iowa and Joseph L. 

Grimstad, Decorah, Iowa, individually, to acquire control of 

40.1 percent of Security Agency, Inc., Decorah, Iowa, and 

thereby indirectly Decorah Bank & Trust Company, Decorah, 

Iowa.

Fed Reg – 08/22/2005

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – 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.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

830542 Central State Bank

301 Iowa Avenue

Muscatine, Iowa 52761

(563) 263-3131

04/18/2005 07/27/2005 S X

Section VI – CRA examinations scheduled for Quarter of

Institution Location

None
District 8

Federal Reserve Bank of St. Louis

Applications and notifications filed during the week ending Saturday, August 13, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch Allied Bank, Mulberry, Arkansas, to establish a branch facility 

to be located at 112 Pointer Trail West, Van Buren, Arkansas.*

Newspaper – 08/07/2005

* Subject to the provisions of the Community Reinvestment Act

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

CIC Notice by Roger L. Gott, individually, Dennis W. Gott, 

individually, and Roger L. Gott, Dennis W. Gott, and Carl E. 

Eichenberger, all of Salem, Missouri, acting as a group in 

concert, to gain control of Town & Country Bancshares, Inc., 

Salem, Missouri. (Previously submitted during the week ending 

August 6, 2005.)

Newspaper – 08/23/2005

Fed Reg – 08/25/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None
Section V – 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.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for 4th Quarter of 2005

Institution Location

The Citizens Bank Batesville, Arkansas

First Financial Bank El Dorado, Arkansas

Heber Springs State Bank Heber Springs, Arkansas

Simmons First Bank Searcy, Arkansas

Citizens Bank & Trust Company Van Buren, Arkansas

Midwest BankCentre Lemay, Missouri

Peoples Bank & Trust Company Troy, Missouri

Security Bank Newbern, Tennessee

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances.
District 9

Federal Reserve Bank of Minneapolis

Applications and notifications filed during the week ending Saturday, August 13, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

18(c) & Branch American Bank of St. Paul, St. Paul, Minnesota, to merge with 

American Bank of Olivia, Olivia, Minnesota and incident 

thereto establish branches at 815 East Depue Avenue, Olivia, 

Minnesota and Main Street, Renville, Minnesota.*

Newspaper – N/Avail

Branch Community Bank Austin, Austin, Minnesota, to establish a de 

novo branch facility to be located at 900 18th Avenue NW, 

Austin, Minnesota.*

Newspaper – 08/25/2005

* Subject to the provisions of the Community Reinvestment Act

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

4(c)(8) Frandsen Financial Corporation, Forest Lake, Minnesota, to 

acquire 100 percent of QFC Bancorp, Virginia, Minnesota, and 

thereby indirectly acquire Queen City Federal Savings Bank, 

Virginia, Minnesota, and thereby operate a savings association.*

Fed Reg – 09/09/2005

Newspaper – N/Avail

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None
Section V – 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.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for 4

th Quarter of 2005 October 1, 2005 to December 31, 2005

Institution Location

BANKFIRST Sioux Falls, South Dakota

Citizens Bank & Trust Company Big Timber, Montana

Profinium Financial, Inc. Truman, Minnesota

Heartland State Bank Edgeley, North Dakota

Farmers State Bank Faith, South Dakota

Flint Creek Valley Bank Philipsburg, Montana

First PREMIER Bank Sioux Falls, South Dakota

First Community Bank Glasgow, Montana

Dakota Western Bank Bowman, North Dakota

North Shore Bank of Commerce Duluth, Minnesota

The Citizens State Bank of Choteau Choteau, Montana

Western Bank of Wolf Point Wolf Point, Montana

Yellowstone Bank Laurel, Montana
Section VI – CRA examinations scheduled for 4

th Quarter of 2005 October 1, 2005 to December 31, 2005

Institution Location

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances.

Examinations may have to be rescheduled during the calendar quarter in which they are designated to begin. If 

an institution’s examination is rescheduled for a date later than the end of the date range reflected in a published 

schedule, the institution’s name will be republished in an appropriate later listing. Any comments received, as a 

result of either the first publication or subsequent publications will be considered during the examination. 

Written comments regarding the CRA performance of these institutions should be directed to Mr. James A. 

Colwell at the Federal Reserve Bank of Minneapolis, Division of Supervision, Regulation, and Credit, P. O. Box 

291, Minneapolis, Minnesota 55480-0291.
District 10

Federal Reserve Bank of Kansas City

Applications and notifications filed during the week ending Saturday, August 13, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

Branch WestStar Bank, Vail, Colorado, to temporarily establish a 

branch at 123 West Hampden Avenue, Unit A, Englewood, 

Colorado, which is to later be moved to 500 West Hampden 

Avenue, Englewood, Colorado.

Newspaper – 08/23/2005

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(3) Peak Banks of Colorado, Inc., Nederland, Colorado, to acquire 

up to 100 percent of the voting shares of Clear Creek Bank 

Corp., Idaho Springs, Colorado, parent of First State Bank, 

Idaho Springs, Colorado.

Newspaper – 09/12/2005

Fed Reg – 09/06/2005

CIC Notice by Basil G. Taylor, Danna Taylor, Tacy Nitzel, Larry 

Parsons, and Lori Parsons, all of Watonga, Oklahoma, acting as 

individuals and a group acting in concert, to acquire control of 

First State Bancorporation of Watonga, Inc., Watonga, 

Oklahoma, parent of First State Bank, Watonga, Oklahoma.

Newspaper – 08/24/2005

Fed Reg – 08/29/2005

CIC 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., Lawton, 

Oklahoma, parent of Liberty National Bank, Lawton, Oklahoma.

Newspaper – N/Avail

Fed Reg – 08/23/2005

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

Investment in 

Bank Premises

Citizens-Farmers Bank of Cole Camp, Cole Camp, Missouri, to 

increase its investment in bank premises.

Section V – 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.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

716851 Community Bank of Raymore

801 W. Foxwood Drive

Raymore, Missouri 64083-9195

05/23/2005 08/08/2005 S X

Section VI – CRA examinations scheduled for 4

th Quarter of 2005

Institution Location

High Plains Bank Flagler, Colorado

Fidelity State Bank and Trust Company Dodge City, Kansas

Citizens Farmers Bank of Cole Camp Cole Camp, Missouri

FirstBank Antlers, Oklahoma

First Bank and Trust Company Broken Bow, Oklahoma

Union Bank of Chandler Chandler, Oklahoma
Section VI – CRA examinations scheduled for 4

th Quarter of 2005

Institution Location

Bank of Locust Grove Locust Grove, Oklahoma

Security Bank Pawnee, Oklahoma

F&M Bank and Trust Company Tulsa, Oklahoma

Freedom Bank of Oklahoma Tulsa, Oklahoma

Oregon Trail Bank Guernsey, Wyoming

Uinta County State Bank Mountain View, Wyoming

Union State Bank Upton, Wyoming

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances.
District 11

Federal Reserve Bank of Dallas

Applications and notifications filed during the week ending Saturday, August 13, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

None

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(A)(1) Country Holding Corp., Lakeway, TX, to become a bank 

holding company by acquiring 100 percent of Texas Country 

Bank, Lakeway, TX.,(de novo).*

Newspaper – 08/14/2005

Fed Reg – 08/12/2005

*Subject to the provisions of the Community Reinvestment Act.

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None

Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None
Section V – 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.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

None

Section VI – CRA examinations scheduled for 4th Quarter of 2005

Institution Location

First Bank of Muleshoe

946461

202 S 1st Street

Muleshoe, Texas 79347

Texas Bank

491569

8875 HWY 80 West

Fort Worth, Texas 76776

Bank of Commerce

352651

201 N Main

McLean, Texas 79057

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances.
District 12

Federal Reserve Bank of San Francisco

Applications and notifications filed during the week ending Saturday, August 13, 2005

Section I – Applications subject to newspaper notice only

Type Application

Ending date of

comment period

FBSEA State Bank of India, Mumbai, India, to establish an uninsured 

branch in Jackson Heights, New York, pursuant to Section 7(d) 

of the International Banking Act of 1978, as amended and 

Section 211.24(a)(1) of Reguation K.

Newspaper – 09/04/2005

Section II – Applications subject to both newspaper and Federal Register notice

Type Application

Ending date of

comment period

3(a)(1) FCB Bancorp, Camarillo, California, to become a bank holding 

company by acquiring 100 percent of First California Bank, 

Camarillo, California.*

Newspaper – 08/27/2005

Fed Reg – 08/26/2005

3(a)(5) FCB Bancorp, Camarillo, California, to merge with South Coast 

Bancorp, Inc., and thereby indirectly acquire its subsidiary, 

South Coast Commercial Bank, both of Irvine, California.*

Newspaper – 08/27/2005

Fed Reg – 08/26/2005

3(a)(1) NCB Financial, Las Vegas, Nevada, to become a bank holding 

company by acquiring 100 percent of Nevada Commerce Bank, 

Las Vegas, Nevada.*

Newspaper – 08/24/2005

Fed Reg – 08/22/2005

CIC Marianne Boyd Johnson, Las Vegas, Nevada, to acquire 

approximately 22.4 percent of the voting shares of Western 

Alliance Bancorporation, Las Vegas, Nevada, and thereby 

indirectly acquire shares of BankWest of Nevada, Las Vegas, 

Nevada, Torrey Pines Bank, San Diego, California , and Alliance 

Bank of Arizona, Phoenix, Arizona.*

Newspaper – 08/05/2005

Fed Reg – 08/02/2005

* Subject to the provisions of the Community Reinvestment Act

Section III – Applications subject to Federal Register notice only

Type Application

Ending date of

comment period

None
Section IV – Applications not subject to Federal Register or newspaper notice

Type Application

None

Section V – 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.

RSSD Exam type

number Institution/Location

Examination

date

CRA

public date

CRA

rating LrgBk SmBk

2209553 Heritage Bank of Commerce

150 Almaden Blvd.

San Jose, California 95113

04/18/2005 08/11/2005 S X

Section VI – CRA examinations scheduled for 4th Quarter of 2005

Institution Location

1

st Pacific Bank of California San Diego, California

Pacific State Bank Stockton, California

Spectrum Bank Montebello, California

The inclusion on the list of institutions that are scheduled to undergo CRA examinations in the next calendar 

quarter is not determinative of whether the institution will be examined in that quarter. Reserve Banks may need 

to defer a planned examination or conduct an unforeseen examination because of scheduling difficulties or other 

circumstances.