Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 7

Week Ending February 18, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions February 12, 2006 to February 18, 2006

Regulations And Policies

Nontraditional Mortgage Products -- extension to March 29, 2006, of the comment 

period on proposed interagency guidance on nontraditional residential mortgage 

products.

- Announced, February 17, 2006 

Regulation Y -- final amendments to increase the asset-size threshold for defining 

small bank holding companies and to modify the criteria for determining eligibility 

under the Board's small bank holding company policy statement and capital 

guidelines (Docket No. R-1235).

- Approved, February 16, 2006 

Testimony And Statements

Monetary Policy Objectives -- statement by Chairman Bernanke before the House 

Committee on Financial Services, February 15, and the Senate Committee on 

Banking, Housing, and Urban Affairs, February 16, 2006.

- Authorized, February 13, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
February 12, 2006 to February 18, 2006

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

AmSouth Bank, Birmingham, Alabama -- to establish branches at 5420 U.S. 

Highway 280; Main Street at Lakewood Ranch, Bradenton, Florida; 6221 14th 

Street; Argyle Forest Boulevard, between Old Middleburt and Brannon Field Roads, 

Jacksonville; the intersection of Dairy Road and New Haven Avenue, Melbourne; 

763 East 3rd Avenue, New Smyrna Beach; and the intersection of Kings Highway 

and Peachland and Veterans Boulevards, Port Charlotte.

- Approved, February 17, 2006 

Atlanta

Bank of Rogers, Rogers, Arkansas -- to establish a branch at 211 East Pleasant 

Grove Road, Lowell.

- Approved, February 17, 2006 

Secretary

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 3033 Heritage Green 

Drive, Monroe.

- Approved, February 16, 2006 

Cleveland

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 16453 Libby Road, 

Maple Heights.

- Approved, February 17, 2006 

Cleveland

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 19053 Bagley Road, 

Middleburg Heights.

- Approved, February 17, 2006 

Cleveland

Five Points Bank, Grand Island, Nebraska -- to establish a mobile branch at 2015 

North Broadwell Avenue.

- Approved, February 16, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority February 12, 2006 to February 18, 2006

Bank Branches, Domestic

Regions Bank, Birmingham, Alabama -- to establish a branch in the 6700 block of 

Pines Road, Shreveport, Louisiana.

- Approved, February 15, 2006 

Atlanta

Sterling Bank, Lantana, Florida -- to establish a branch at 399 West Palmetto Park 

Road, Boca Raton.

- Approved, February 17, 2006 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish branches at 12396 West Sunrise 

Boulevard, Plantation, Florida; 6210 Coral Ridge Drive, Coral Springs; 3800 North 

Federal Highway, Lighthouse Point; and 4475 Southwest 124th Avenue, Davie.

- Approved, February 13, 2006 

Secretary

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 872 Highway 96, 

Warner Robins.

- Approved, February 16, 2006 

Secretary

Virginia Community Bank, Louisa, Virginia -- to establish a branch at 3009 River 

Road West, Goochland County.

- Approved, February 15, 2006 

Richmond

Bank Holding Companies

Bank of East Asia, Limited, Hong Kong, and East Asia Holding Company, Inc., 

New York, New York -- waiver of application requirement to acquire National 

American Bancorp, San Francisco, California, and its subsidiary, National American 

Bank, in connection with a proposal to merge the applicants and their subsidiary 

bank, Bank of East Asia (U.S.A.) National Association, New York, New York, with 

the acquired institutions, respectively.

- Granted, February 13, 2006 

New York

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority February 12, 2006 to February 18, 2006

Bank Holding Companies

Capitol Bancorp Ltd., Lansing, Michigan -- to acquire 51 percent of the shares of 

Bank of Valdosta, Valdosta, Georgia, a de novo bank.

- Approved, February 16, 2006 

Chicago

Farmers and Merchants Investment Inc. (F&M), Milford, Nebraska, and Union 

Bank and Trust Company, Lincoln -- waiver of application requirement to acquire 

Commercial Bank of Bonner Springs, Bonner Springs, Kansas, and to subsequently 

merge it with F&M's subsidiary bank, Union Bank and Trust Company, and 

retention by F&M of an exemption from the prohibition against nonbanking 

activities under section 4(C)(ii) of the Bank Holding Company Act.

- Granted, February 17, 2006 

General Counsel

First Connecticut Bancorp, Inc., Farmington, Connecticut -- to become a bank 

holding company in connection with the reorganization of Farmington Savings 

Bank into a mutual bank holding company structure.

- Approved, February 17, 2006 

Boston

First Fidelity Bancorp, Inc., Oklahoma City, Oklahoma -- to acquire First Fidelity 

Bank, N.A., Phoenix, Arizona, a de novo bank.

- Withdrawn, February 16, 2006 

Kansas City

First National Bancorp, Inc., Green Forest, Arkansas -- to acquire additional shares, 

for a total of up to 9.9 percent, of Legacy National Bank, Springdale.

- Approved, February 17, 2006 

St. Louis

Gregg Bancshares, Inc., Nixa, Missouri -- to become a bank holding company and 

to acquire 97.4 percent of the shares of Glasgow Savings Bank, Glasgow.

- Approved, February 13, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority February 12, 2006 to February 18, 2006

Bank Holding Companies

HSH Nordbank AG, Hamburg, Germany -- to engage de novo through its 

subsidiary, HSH N Financial Securities LLC, New York, New York, in providing 

agency transactional services for customer investments.

- Approved, February 14, 2006 

New York

Park Avenue Bancorp, Inc., New York, New York -- to become a bank holding 

company and to acquire 80.1 percent of the shares of Park Avenue Bank.

- Approved, February 14, 2006 

New York

Bank Mergers

East West Bank, San Marino, California -- to merge with Standard Bank, Monterey 

Park, and thereby establish branches.

- Approved, February 16, 2006 

Secretary

First Midwest Bancorp, Inc., Itasca, Illinois -- to acquire Bank Calumet, Inc., 

Hammond, Indiana, and Bank Calumet, National Association; and for First Midwest 

Bank, Itasca, Illinois, to merge with Bank Calumet, National Association, 

Hammond, Indiana, and thereby establish branches.

- Approved, February 16, 2006 

Chicago

Banks, National

Bank of America, National Association, Charlotte, North Carolina -- to establish a 

bank service company to engage in leasing activities.

- Approved, February 17, 2006 

Richmond

Change In Bank Control

Rochester State Bankshares, Inc., Rochester, Illinois -- to retain control of Rochester 

State Bankshares, Inc.

- Permitted, February 16, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority February 12, 2006 to February 18, 2006

Competitive Factors Reports

AmericanWest Bank, Spokane, Washington -- report on competitive factors of the 

proposed merger with Columbia Trust Bank, Pasco.

- Submitted, February 13, 2006 

San Francisco

Merrill Lynch Trust Company, FSB, Pennington, New Jersey -- report on 

competitive factors of the proposed merger with Merrill Lynch Bank & Trust Co., 

Plainsboro.

- Submitted, February 14, 2006 

Philadelphia

South Carolina Bank and Trust, National Association, Orangeburg, South 

Carolina -- report on competitive factors of the proposed merger with SunBank, 

National Association, Murrells Inlet.

- Submitted, February 16, 2006 

Richmond

Western State Bank, Duarte, California -- report on competitive factors of the 

proposed merger with WSB Merger Corp., Ontario.

- Submitted, February 14, 2006 

San Francisco

Extensions Of Time

American Heritage Bank, Sapulpa, Oklahoma -- extension to May 17, 2006, to 

establish a branch at 502 East Indiana Avenue, Kiefer.

- Granted, February 13, 2006 

Kansas City

Premier Bank, Doylestown, Pennsylvania -- extension to February 22, 2007, to 

establish a branch at the intersection of York and Streets Roads, Warminister 

Township.

- Granted, February 16, 2006 

Philadelphia

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority February 12, 2006 to February 18, 2006

Financial Holding Companies

Spring Bancorp, Inc., Springfield, Illinois -- election to become a financial holding 

company.

- Effective, February 16, 2006 

Chicago

Membership

King Southern Bank, Chaplin, Kentucky -- to become a member of the Federal 

Reserve System.

- Approved, February 13, 2006 

St. Louis

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

Federal Reserve Bank of Boston

Filings received during the week ending February 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 02/27/2006

Application by Wessagussett Mutual Holding

Company and Wessagussett Bancorp, Inc.,

both of Weymouth, Massachusetts, to become a

mutual bank holding company and a stock

bank holding company, respectively

(collectively, the Applicants), by acquiring

Weymouth Bank, Weymouth, Massachusetts,

pursuant to sections 3(a)(1) and 3(a)(3) of the

Bank Holding Company Act of 1956, as

amended.

WESSAGUSSETT MUTUAL

HOLDING COMPANY

* 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 Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

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

Federal Reserve Bank of New York

Filings received during the week ending February 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Adirondack Bank, Utica, New York request 02/23/2006

approval to establish a de novo branch at 9544

Depot Street, Holland Patent, Oneida County,

NY.

ADIRONDACK BANK

Newspaper:

Federal Register:

4c8 Not applicable

03/07/2006

Banco Latinoamericano de Exportaciones S.A.,

Panama City, Republic of Panama, requested

prior approval of the Board of Governors of the

Federal Reserve System, pursuant to Section

4(c)(8) of the Bank Holding Company Act of

1956, as amended, to engage, de novo, in

certification authority and related data

processing activities.

BANCO LATINOAMERICANO

DE EXPORTACIONES, S.A.

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Smithtown, Smithtown, New York 03/05/2006

request approval to open a branch located at

4032 Nesconset Highway, Setauket, Suffolk

County, New York.

BANK OF SMITHTOWN

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Smithtown, Smithtown, New York 03/05/2006

request approval to open a branch located at

465 Smithtown Blvd., Nesconset, Suffolk

County, New York.

BANK OF SMITHTOWN

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

30 Day Prior Notice by Citibank, N.A., New

York, New York and its Edge Corporation,

Citibank Overseas Investment Corporation,

New Castle, Delaware ("COIC"), to transfer

certain COIC subsidiaries in Brazil to Banco

Citibank S.A., a direct, wholly owned

subsidiary of COIC headquartered in Sao

Paulo, Brazil.

CITIBANK, N.A.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Export-Import Bank of Ukraine ("EXIM

Bank")Kiev, Ukraine, to establish a

representative office in New York, New York,

pursuant to Section 10(a) of the International

Banking

Act of 1978, as amended, and Section

211.24(a)(1) of Regulation K.

STATE EXPORT-IMPORT

BANK OF UKRAINE, INC.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

101671 ADIRONDACK BK, UTICA, NEW YORK 08/22/2005 02/08/2006 S Small Bank

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

MANUFACTURERS & TRADERS TC BUFFALO, NEW YORK

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending February 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

03/09/2006

Orrstown Financial Services, Inc.,

Shippensburg, PA, to acquire The First

National Bank of Newport, Newport, PA

ORRSTOWN FINANCIAL

SERVICES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

4c8 03/13/2006

Tower Bancorp, Inc., Greencastle, PA, to

acquire FNB Financial Corporation,

McConnellsburg, and its wholly own

subsidiary, The First National Bank of

McConnellsburg, McConnellsburg, PA.

TOWER BANCORP 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

1901243 EAST PENN BK, EMMAUS, PENNSYLVANIA 09/07/2005 02/07/2006 S Int Sm Bank

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

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

Federal Reserve Bank of Cleveland

Filings received during the week ending February 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

03/07/2006

03/10/2006

Enterprise Financial Services Group, Inc.,

Allison Park, Pennsylvania, to acquire 100

percent of the Class A Common Stock of

Enterprise Bank, Allison Park, Pennsylvania,

and thus become a bank holding company.

Subsequently, Enterprise Employee Stock

Ownership Plan, Allison Park, Pennsylvania

wwould acquire 22 percent of the Class A

Common Stock of Enterprise Financial

Services Group, and also become a bank

holding company. Seed Money Limited

Partnership to acquire control of Enterprise

Financial Services Group, Inc. and indirect

control of Enterprise Bank, all of Allison Park,

Pennsylvania 

ENTERPRISE EMPLOYEE

STOCK OWNERSHIP TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 02/24/2006

branch at 1379 North Shoop Avenue,

Wauseon, OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

FIfth Third Bank, Cincinnati, OH to establish 01/27/2006

a branch at 3033 Heritage Green Drive,

Monroe, OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establsih a 02/11/2006

branch at 16453 Libby Road, Maple Heights,

OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establsih a 02/11/2006

branch at 19053 Bagley Road, Middleburg

Heights, OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 02/11/2006

establish a branch at 20399 Gibraltar Road,

Brownstown, MI.

FIFTH THIRD BANK

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

CITIZENS DEPOSIT B&TC VANCEBURG, KENTUCKY

COMMUNITY TR BK INC PIKEVILLE, KENTUCKY

HEARTLAND BK GAHANNA, OHIO

IRON & GLASS BK PITTSBURGH, PENNSYLVANIA

SAINT HENRY BK SAINT HENRY, OHIO

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

Federal Reserve Bank of Richmond

Filings received during the week ending February 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

River City Bank, Mechanicsville, Virginia, 03/02/2006

proposes to establish a branch at 109 E. Nine

Mile Road, Highland Springs, Virginia.

RIVER CITY BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Security One Bank, Baileys Crossroads,

Virginia,(in organization) to become a member

of the Federal Reserve System.

Security One Bank

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Virginia Business Bank, Richmond, Virginia,

to become a member of the Federal Reserve

System.

VIRGINIA BUSINESS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Heritage Bank, Fairfax, Virginia, 02/18/2006

requests permission to provide a courier service

to pick up noncash deposits from business

customers.

VIRGINIA HERITAGE BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

1190074 VIRGINIA CMRC BK, ARLINGTON, VIRGINIA 09/26/2005 12/28/2005 S Large Bank

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

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

Federal Reserve Bank of Atlanta

Filings received during the week ending February 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Old Southern Bank, Clermont, Florida, (in

organization) to become a member of the

Federal Reserve System.

OLD SOUTHERN BANK

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Security Bank Corporation, Macon, Georgia, to

merge with Neighbors Bancshares, Inc., and

thereby acquire its subsidiary, Neighbors Bank,

both of Alpharetta, Georgia.

SECURITY BANK

CORPORATION

Newspaper:

Federal Register:

CIC Not available

02/27/2006

Southeastern Bank Financial Corporation,

Augusta, Georgia, after-the-fact change in

control notification filed by the Pollard Family

Group (Jennie Floyd Pollard, Robert W.

Pollard, Jr., Patricia D. Pollard, Zachary

Duncan Pollard, Ann Elizabeth Pollard,

Richard Daniel Blanton, Patricia Pollard

Blanton, Thomas Vinson Blanton, II, Jennie

Briggs Blanton, Clayton Edward Blanton, Lee

Blanton West, Levi Anderson Pollard, V, Levi

Anderson Pollard, VI, Lucy Ann Pollard,

Pollard Land Company, all of Appling,

Georgia, and Robert William Pollard, III,

Evans, Georgia, Richard Daniel Blanton, Jr.,

Carrollton, Georgia, Lynn Pollard Nickerson

and Paul Rush Battle, both of Atlanta, Georgia,

and RWP, Sr. Enterprises, LLLP, Appling,

Georgia, Robert W. Pollard, Jr., Patricia

Pollard Blanton, Levi Anderson Pollard, V,

and Lynn Pollard Nickerson, general partners),

to retain 47.9 percent of Southeastern Bank

Financial Corporation, and its subsidiary bank,

Georgia Bank & Trust, both of Augusta,

Georgia.

SOUTHEASTERN BANK

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 3A3

Not available

Upper Cumberland Bancshares, Inc., and its 02/26/2006

parent company, Employee Stock Ownership

Trust of People's Bank and Trust Company of

Pickett County, both of Byrdstown, Tennessee,

to acquire 100 percent of the outstanding

shares of People's Bank and Trust Company of

Clinton County, Albany, Kentucky (in

organization).

UPPER CUMBERLAND

BANCSHARES, INC.

* 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 Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

12-day prior notice - A.M. Saylor, Inc.,

Hampton, Iowa, proposes to engage de novo in

extending credit and servicing loans, pursuant

to Section 225.28(b)(1) of Regulation Y.

A. M. SAYLOR,

INCORPORATED

Newspaper:

Federal Register:

CIC 03/02/2006

02/21/2006

Notice by Jill Kollock, Bancroft, Wisconsin, as

an individual and as trustee for the Judd

Family Trust and the Jean Judd OTIP Marital

Trust 1; Christopher Kollock, as an individual;

and Jill and Christopher Kollock, together with

Jan and William Weisenbeck, as a group

acting in concert, to retain control of Bancroft

State Bancshares, Inc., Bancroft, Wisconsin,

and thereby indirectly Bancroft State Bank,

Bancroft, Wisconsin.

BANCROFT STATE

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

two branch facilities to be located at 7306 E.

Shea Blvd., Scottsdale, Arizona, and 6540

Irvine Center Drive, Irvine, California.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Community State Bank Employee Stock

Ownership Plan and Trust, Union Grove,

Wisconsin, to increase its ownership to 33.95

percent of the voting shares of Union

Bancorporation, Inc., Union Grove, Wisconsin,

and thereby indirectly acquire Community

State Bank, Union Grove, Wisconsin.

COMMUNITY STATE BANK

EMPLOYEE STOCK

OWNERSHIP PLAN AND

TRUST

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Gerber Bancshares, Inc., Argenta, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of Gerber

State Bank, Argenta, Illinois.

Gerber Bancshares, Inc.

Newspaper:

Federal Register:

* 4c8 Not available

03/06/2006

Mainsource Financial Group, Inc., Greensburg,

Indiana, to acquire 100 percent of the voting

shares of HFS Bank, F.S.B., Hobart, Indiana,

and thereby operate a savings association.

MAINSOURCE FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 4c8 03/09/2006

MainSource Financial Group, Inc.,

Greensburg, Indiana, to merge with Peoples

Ohio Financial Corporation, Troy, Ohio, and

thereby indirectly acquire Peoples Savings

Bank of Troy, Troy, Ohio, and thereby operate

a savings association.

MAINSOURCE FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

02/28/2006

Notice by Mark B. Richardson, Thetford

Center, Vermont, to increase his ownership to

28 percent of Oakwood Bancorp, Inc.,

Springfield, Illinois, and thereby indirectly

increase ownership of United Community

Bank, Oakwood, Illinois.

OAKWOOD BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 03/05/2006

03/03/2006

Stark Bank Group, Ltd., Fort Dodge, Iowa, to

merge with Pelican Financial, Inc., Ann Arbor,

Michigan, and thereby indirectly acquire

Pelican National Bank, Naples, Florida.

STARK BANK GROUP, LTD.

* 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

222147 CITIZENS BK, FLINT, MICHIGAN 07/18/2005 02/02/2006 O Large Bank

571443 FARMERS ST BK, BROOKSTON, INDIANA 10/31/2005 02/08/2006 S Small Bank

799939 HARTSBURG ST BK, HARTSBURG, ILLINOIS 11/07/2005 02/02/2006 S Small Bank

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

BYRON BK BYRON CENTER, MICHIGAN

FIRST BK OF BERNE BERNE, INDIANA

FIRST CMNTY B&TC BEECHER, ILLINOIS

FIRST MIDWEST BK ITASCA, ILLINOIS

FIRST ST BK MANCHESTER, IOWA

FIRST ST BK OF PORTER PORTER, INDIANA

FRIENDSHIP ST BK FRIENDSHIP, INDIANA

FRONTIER SVG BK COUNCIL BLUFFS, IOWA

IOWA ST BK HULL, IOWA

IRWIN UNION B&TC COLUMBUS, INDIANA

LA SALLE ST BK LA SALLE, ILLINOIS

MARQUETTE BK CHICAGO, ILLINOIS

MICHIGAN HERITAGE BK FARMINGTON HILLS, MICHIGAN

NORTHERN TC CHICAGO, ILLINOIS

OREGON CMNTY B&TC OREGON, WISCONSIN

ROYAL AMER BK INVERNESS, ILLINOIS

STATE BK THE LAKES ANTIOCH, ILLINOIS

TEMPLETON SVG BK TEMPLETON, IOWA

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

Federal Reserve Bank of Chicago

VILLAGE B&TC ARLINGTON HEIGHTS, ILLINOIS

WASHINGTON ST BK WASHINGTON, IOWA

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

Federal Reserve Bank of St.Louis

Filings received during the week ending February 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A5

4c8

03/17/2006

American Founders Bancorp, Inc., Frankfort,

Kentucky, to become a bank holding company

by acquiring 100 percent of American

Founders Bank, Inc., Frankfort, Kentucky. In

addition, American Founders Bancorp, Inc.,

proposes to acquire 100 percent of First

Security Bancorp, Inc., Lexington, Kentucky

("Bancorp"), and thereby indirectly acquire

First Security Bank of Lexington, Inc.,

Lexington, Kentucky. Through the acquisition

of Bancorp, American Founders Bancorp, Inc.,

will also acquire 50 percent of Peoples Secure,

LLC, Lexington, Kentucky, and thereby

indirectly engage in data processing activities.

AMERICAN FOUNDERS

BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 02/26/2006

establish a branch facility to be located at 2025

Sonoma Park Drive, Oklahoma City,

Oklahoma.

ARVEST BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

First Bank, St. Louis, Missouri, to merge with 03/17/2006

First Independent National Bank, Plano,

Texas, and to retain the acquired facilities as

branch offices.

FIRST BANK

Newspaper:

Federal Register:

* 3A3

Not available

First Banks, Inc., Hazelwood, Missouri, and its 03/20/2006

subsidiary bank holding company, The San

Francisco Company, San Francisco, California,

to acquire 80 percent of First Independent

National Bank, Plano, Texas.

FIRST BANKS, INC.

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

Not available

First Banks, Inc., St. Louis, Missouri, and its 03/17/2006

subsidiary bank holding company, The San

Francisco Company, San Francisco, California,

to acquire 100 percent of Pittsfield Community

Bancorp, Inc., Pittsfield, Illinois, and thereby

indirectly acquire Community Bank of

Pittsfield, Pittsfield, Illinois. Also, First Bank,

St. Louis, Missouri, to merge with Community

Bank of Pittsfield, Pittsfield, Illinois, and to

retain the acquired facilities as branch offices.

FIRST BANKS, INC.

Newspaper:

Federal Register:

* 3A5 Not available

Not available

First M & F Corporation, Kosciusko,

Mississippi, to merge with Crockett County

Bancshares, Inc., Bells, Tennessee, and thereby

indirectly acquire Bells Banking Company,

Bells, Tennessee.

FIRST M & F CORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

King Southern Bank, Chaplin, Kentucky, to

become a member of the Federal Reserve

System.

KING SOUTHERN 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 Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending February 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/01/2006

03/01/2006

Change in control notice by Katherine Buland,

Waseca, Minnesota; Elizabeth Danger, Prior

Lake, Minnesota; Ann Gaytko, Waseca,

Minnesota; James Sankovitz, Chaska,

Minnesota; and Thomas Sankovitz, Waseca,

Minnesota, a group acting in concert, to

acquire control of Frankson Investment

Corporation, Waseca, Minnesota, and thereby

indirectly acquire control of The First National

Bank of Waseca, Waseca, Minnesota.

FRANKSON INVESTMENT

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

03/03/2006

Salish and Kootenai Bancorporation, Polson,

Montana, to become a bank holding company

by acquiring 100 percent of the capital stock of

Eagle Bank, Polson, Montana, a de novo bank.

SALISH AND KOOTENAI

BANCORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Valley Bank of Ronan, Ronan, Montana, to 03/03/2006

establish a branch located at 146 S. Shore

Route, Polson, Montana.

VALLEY BANK OF RONAN

Newspaper:

Federal Register:

* 3A3 Not available

Member 03/17/2006

Westbrand, Inc., Minot, North Dakota, to

acquire 100 percent of First Western Bank,

Eden Prairie, Minnesota, and incident thereto,

First Western Bank, Eden Prairie, Minnesota,

a de novo bank, to become a member of the

Federal Reserve System.

WESTBRAND, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

827458 DAKOTA WESTERN BK, BOWMAN, NORTH DAKOTA 10/31/2005 02/03/2006 S Small Bank

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

BIG SKY WESTERN BK BOZEMAN, MONTANA

CITIZENS ST BK OF CHOTEAU CHOTEAU, MONTANA

CLINTON ST BK CLINTON, MINNESOTA

COMMUNITY BK AUSTIN, MINNESOTA

COMMUNITY BK MISSOULA MISSOULA, MONTANA

DACOTAH BK ABERDEEN, SOUTH DAKOTA

FARMERS ST BK VICTOR, MONTANA

FIRST CITIZENS BK OF BUTTE BUTTE, MONTANA

FIRST WESTERN B&TC MINOT, NORTH DAKOTA

FULTON ST BK FULTON, SOUTH DAKOTA

NORTH SHORE BK OF COMMERCE DULUTH, MINNESOTA

PENINSULA BK OF ISHPEMING ISHPEMING, MICHIGAN

PEOPLES ST BK OF PLAINVIEW PLAINVIEW, MINNESOTA

STATE BK OF TOWNSEND TOWNSEND, MONTANA

VALLEY BK GLASGOW GLASGOW, MONTANA

WESTERN SCTY BK BILLINGS, MONTANA

YELLOWSTONE BK LAUREL, MONTANA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending February 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

03/06/2006

First Muskogee Financial Corporation,

Muskogee, Oklahoma, to acquire 100 percent

of the voting shares of First Financial

Bancshares, Inc., Roland, Oklahoma, parent of

First National Bank of Sallisaw, Sallisaw,

Oklahoma.

FIRST MUSKOGEE

FINANCIAL CORPORATION

Newspaper:

Federal Register:

CIC Not available

03/09/2006

Notification by Trenton W. Brown, Ponca City,

Oklahoma; Lisa D. Kessler, Scottsdale,

Arizona; Mark R. Brown, Scottsdale, Arizona;

Mary J. Brown, Arkansas City, Kansas; R. A.

Brown, Arkansas City, Kansas; Roger A.

Brown, Arkansas City, Kansas; Suzanne W.

Brown, Arkansas City, Kansas; Charlotte B.

Delaney, Winnetka, Illinois; and Rebecca R.

Warren, Ponca City, Oklahoma, to acquire

control of HNB Corporation, Arkansas City,

Kansas, parent of Home National Bank,

Blackwell, Oklahoma.

HNB CORPORATION

Newspaper:

Federal Register:

* 3A1 03/10/2006

03/17/2006

KansasLand Bancshares, Inc., Quinter,

Kansas, to become a bank holding company

through the acquisition of 87 percent of the

voting shares of Flint Hills Financial Services

Corporation, parent of Americus State Bank (to

be known as KansasLand Bank), both in

Americus, Kansas.

KANSASLAND BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 03/18/2006

03/17/2006

Pinnacle Bancorp, Inc., Central City,

Nebraska, to acquire 100 percent of the voting

shares of Olathe Bancorporation, Inc., parent

of Olathe State Bank, both in Olathe,

Colorado.

PINNACLE BANCORP, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

385547 CITIZENS FARMERS BK COLE CAMP, COLE CAMP, MISSOURI10/31/2005 01/25/2006 S Small Bank

247551 HIGH PLAINS BK, FLAGLER, COLORADO 11/14/2005 02/07/2006 S Small Bank

900258 OREGON TRAIL BK, GUERNSEY, WYOMING 11/14/2005 02/03/2006 S Small Bank

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

AMERICAN HERITAGE BK SAPULPA, OKLAHOMA

BANK OF BLUE VALLEY OVERLAND PARK, KANSAS

FIRST BK OF FAIRLAND FAIRLAND, OKLAHOMA

FIRST ST BK IN TEMPLE TEMPLE, OKLAHOMA

FIRST ST BK OF HOTCHKISS HOTCHKISS, COLORADO

MONTROSEBANK MONTROSE, COLORADO

SWEDISH-AMERICAN ST BK COURTLAND, KANSAS

UNION COLONY BK GREELEY, COLORADO

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

Federal Reserve Bank of Dallas

Filings received during the week ending February 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 03/13/2006

03/13/2006

Frontier Bancshares, Inc., Austin, Texas, and

Frontier BN, Inc., Henderson, Nevada, to

become bank holding companies by acquiring

100 percent of The First National Bank of

Holland, Holland, Texas.

FRONTIER BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A5 03/11/2006

03/10/2006

Texas Independent Bancshares, Inc., Texas

City, Texas, and T.I.B. Delaware, Inc.,

Wilmington, Delaware, to acquire by merger

Southeast Bancorp of Texas, Inc., Winnie,

Texas, and indirectly acquire SEBOT, Inc.,

Wilmington, Delaware, and Gulf Coast Bank,

Winnie, Texas.

TEXAS INDEPENDENT

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 Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

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

Federal Reserve Bank of San Francisco

Filings received during the week ending February 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

eBank Corporation, Tokyo, Japan, to establish

a representative office in San Francisco,

California, pursuant to Section 10(a) of the

International Banking Act.

EBANK CORPORATION

Newspaper:

Federal Register:

CIC 02/20/2006

02/22/2006

Notice by Lanza Family Group, consisting of

David W. Lanza, Roy E. Lanza, David W.

Lanza Trust, Roy and Sondra Lanza Family

Trust, Colusa Motor Sales, Inc., Hust Brothers,

Inc., Marysville Auto Parts, Inc., and Yuba

Street Ventures, LLC, all of Marysville,

California, to increase their ownership of Gold

Country Financial Services, Inc., and thereby

indirectly increase their ownership of Gold

Country Bank, N.A., both of Marysville,

California.

GOLD COUNTRY FINANCIAL

SERVICES, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Taiwan Cooperative Bank, Taipei, Taiwan, to

retain the Seattle, Washington, and Los

Angeles, California, branch offices of Farmers

Bank of China, as a result of the merger of

Farmers Bank of China, with and into Taiwan

Cooperative Bank.

Taiwan Cooperative 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

155263 DESERT CMNTY BK, VICTORVILLE, CALIFORNIA 05/31/2005 02/08/2006 S Large Bank

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

EAST WEST BK SAN MARINO, CALIFORNIA

FIRST UT BK SALT LAKE CITY, UTAH

IDAHO BKG CO BOISE, IDAHO

UNITED SCTY BK FRESNO, CALIFORNIA

WESTAMERICA BK SAN RAFAEL, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act