Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 30

Week Ending July 29, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
July 23, 2006 to July 29, 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

1st Source Bank, South Bend, Indiana -- to establish a branch at 450 State Road 23, 

Granger.

- Approved, July 24, 2006 

Chicago

Ameristate Bank, Atoka, Oklahoma -- to establish a branch at 4322 Loy Lake Road, 

Sherman, Texas, and to increase its investment in bank premises.

- Approved, July 24, 2006 

Kansas City

AmSouth Bank, Birmingham, Alabama -- to establish branches at 1310 Lakeside 

Village Circle, Lakeland, Florida; and at the intersection of Park Boulevard and 

74th Street, Pinellas Park.

- Approved, July 28, 2006 

Atlanta

BankEast, Knoxville, Tennessee -- to establish branches at 5248 North Broadway, 

and at 826 East Lamar Alexander Parkway, Maryville.

- Approved, July 27, 2006 

Atlanta

Citizens Security Bank & Trust Company, Bixby, Oklahoma -- to establish a branch 

at 10051 South Yale Avenue, Suite 203, Tulsa, and to increase its investment in 

bank premises.

- Approved, July 24, 2006 

Kansas City

East West Bank, Pasadena, California -- to establish a branch at 135 North Los 

Robles Avenue.

- Approved, July 26, 2006 

Secretary

(AC) = Addition or Correction Delegated - Page 1 of 9
H.2 Actions under delegated authority July 23, 2006 to July 29, 2006

Bank Branches, Domestic

FirsTier Bank, Wyoming, Upton, Wyoming -- to establish a branch at 612 Pine 

Street.

- Approved, July 25, 2006 

Secretary

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish a branch at 

Yuma and Watson Roads, Buckeye, Arizona.

- Approved, July 27, 2006 

Chicago

Peoples Bank, Lubbock, Texas -- to establish a courier service branch from its main 

office at 5820 82nd Street to conduct business in Lubbock County.

- Approved, July 26, 2006 

Dallas

Planters Bank & Trust Company of Virginia, Staunton, Virginia -- to establish a 

branch at 1391 South High Street, Harrisonburg.

- Approved, July 24, 2006 

Richmond

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 4309 

West Lake Mary Boulevard, Lake Mary, Florida.

- Approved, July 27, 2006 

Richmond

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 650 

South Alafaya Trail, Orlando, Florida.

- Approved, July 27, 2006 

Richmond

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 1021 

Ewall Street, Mt. Pleasant, South Carolina.

- Approved, July 27, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 2 of 9
H.2 Actions under delegated authority July 23, 2006 to July 29, 2006

Bank Branches, Domestic

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 1758 

Jones Bridge Road, Alpharetta, Georgia.

- Approved, July 27, 2006 

Richmond

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 4499 

Weston Road, Weston, Florida.

- Approved, July 27, 2006 

Richmond

Second Bank & Trust, Culpeper, Virginia -- to establish a branch at 1924 Arlington 

Boulevard, Charlottesville.

- Approved, July 24, 2006 

Richmond

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 601 Signal Mountain 

Road, Chattanooga, Tennessee.

- Approved, July 28, 2006 

Secretary

Virginia Heritage Bank, Fairfax, Virginia -- to establish a branch at 7905 Heritage 

Village Plaza, Gainesville.

- Approved, July 27, 2006 

Richmond

Waccamaw Bank, Whiteville, North Carolina -- to establish a branch at 923 Seaside 

Road Southwest, Ocean Isle Beach.

- Approved, July 26, 2006 

Richmond

Bank Holding Companies

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

Springs, New York -- to acquire 50 additional shares of 473 Broadway Holding 

Corporation and 1,000 additional shares of The Adirondack Trust Company.

- Approved, July 28, 2006 

Secretary

(AC) = Addition or Correction Delegated - Page 3 of 9
H.2 Actions under delegated authority July 23, 2006 to July 29, 2006

Bank Holding Companies

Alabama National BanCorporation, Birmingham, Alabama -- to acquire The PB 

Financial Services Corporation, Duluth, Georgia, and its subsidiary, The Peachtree 

Bank.

- Approved, July 24, 2006 

Secretary

Cadence Financial Corporation, Starkville, Mississippi -- waiver of application to 

acquire Seasons Bancshares, Inc., Blairsville, Georgia, and Seasons Bank; and for 

Seasons Bank to merge with Cadence Financial Corporation's subsidiary, Cadence 

Bank, N.A., Starkville.

- Granted, July 27, 2006 

Secretary

CenterBank, Inc., Jacksonville, Florida -- relief from a commitment.

- Granted, July 28, 2006 

Atlanta

Conestoga Bancorp, Inc., King of Prussia, Pennsylvania, -- to become a bank 

holding company and to acquire Conestoga Bank, a de novo bank.

- Approved, July 27, 2006 

Philadelphia

Eagle Bancorp, Inc., Bethesda, Maryland -- to engage de novo in making loans 

secured by real estate.

- Approved, July 26, 2006 

Richmond

Farmers & Merchants Financial Corporation, Ashland, Nebraska -- to become a 

bank holding company and to acquire The Farmers & Merchants National Bank of 

Ashland.

- Approved, July 28, 2006 

Secretary

The First Bancshares, Inc., Hattiesburg, Mississippi -- waiver of application in 

connection with the acquisition of First National Bank of Wiggins, Wiggins.

- Withdrawn, July 27, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 9
H.2 Actions under delegated authority July 23, 2006 to July 29, 2006

Bank Holding Companies

First Commonwealth Financial Corporation, Indiana, Pennsylvania -- waiver of 

application in connection with the acquisition of Laurel Capital Group, Inc., 

Allison, and its subsidiary, Laurel Savings Bank.

- Granted, July 27, 2006 

Cleveland

Hatton Bancshares, Inc., Fargo, North Dakota -- to become a bank holding company 

and to acquire Farmers & Merchants National Bank of Hatton, Hatton.

- Approved, July 24, 2006 

Secretary

Hometown Bancorp of Alabama, Inc., Oneonta, Alabama -- to become a bank 

holding company and to acquire The HomeTown Bank of Alabama.

- Approved, July 28, 2006 

Atlanta

Ohnward Bancshares, Inc., Maquoketa, Iowa -- to acquire United Security Financial 

Corporation, Cedar Rapids, and thereby acquire United Security Savings Bank and 

operate a savings association.

- Approved, July 28, 2006 

Chicago

PCNB Corp, McComb, Mississippi -- to become a bank holding company and to 

acquire Pike County National Bank.

- Approved, July 24, 2006 

Atlanta

UMB Financial Corporation, Kansas City, Missouri -- waiver of application in 

connection with the merger of UMB Bank Colorado, N.A., Denver, Colorado, with 

Mountain States Bank.

- Granted, July 27, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 5 of 9
H.2 Actions under delegated authority July 23, 2006 to July 29, 2006

Bank Mergers

First Farmers Bank & Trust, Converse, Indiana -- to purchase certain assets and 

assume certain liabilities of the Culver, Knox, and North Judson, Indiana, branches 

of Fifth Third Bank, Grand Rapids, Michigan, and thereby establish branches.

- Approved, July 27, 2006 

Chicago

Change In Bank Control

Valley Commerce Bancorp, Visalia, California -- change in bank control.

- Withdrawn, July 24, 2006 

San Francisco

Competitive Factors Reports

AmFirst Bank, National Association, McCook, Nebraska -- report on competitive 

factors of the proposed merger with State Bank, Benkelman.

- Submitted, July 24, 2006 

Kansas City

The Bank of Marion, Marion, Illinois -- report on competitive factors of the 

proposed merger with C.P. Burnett & Sons, Bankers, Eldorado.

- Submitted, July 25, 2006 

St. Louis

Branch Banking and Trust Company, Winston-Salem, North Carolina -- report on 

competitive factors of the proposed merger with The Home Bank, Ducktown, 

Tennessee.

- Submitted, July 24, 2006 

Richmond

Branch Banking and Trust Company, Winston-Salem, North Carolina -- report on 

competitive factors of the proposed merger with The Home Bank of Tennessee, 

Maryville, Tennessee.

- Submitted, July 24, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 6 of 9
H.2 Actions under delegated authority July 23, 2006 to July 29, 2006

Competitive Factors Reports

Branch Banking and Trust Company, Winston-Salem, North Carolina -- report on 

competitive factors of the proposed merger with The Bank/First Citizens Bank, 

Cleveland, Tennessee.

- Submitted, July 24, 2006 

Richmond

Citibank, N.A., New York, New York -- report on competitive factors of the 

proposed merger with Citicorp Trust, National Association, Los Angeles, California.

- Submitted, July 28, 2006 

New York

First Federal Savings Bank, Evansville, Indiana -- report on competitive factors of 

the proposed merger with Home Building Savings Bank, F.S.B., Washington.

- Submitted, July 28, 2006 

St. Louis

The First, A National Banking Association, Hattiesburg, Mississippi -- report on 

competitive factors of the proposed acquisition of First National Bank of Wiggins, 

Wiggins.

- Submitted, July 26, 2006 

Secretary

Morton Community Bank, Morton, Illinois -- report on competitive factors of the 

proposed merger with Peoples State Bank, Manito.

- Submitted, July 24, 2006 

Chicago

North Shore Bank, F.S.B., Brookfield, Wisconsin -- report on competitive factors of 

the proposed merger with Prime Financial Credit Union, Cudahy.

- Submitted, July 24, 2006 

Chicago

The Park National Bank, Newark, Ohio -- report on competitive factors of the 

proposed merger with The Park National Bank of Kentucky, Florence, Kentucky, in 

organization.

- Submitted, July 27, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 7 of 9
H.2 Actions under delegated authority July 23, 2006 to July 29, 2006

Competitive Factors Reports

Smithfield State Bank of Smithfield, Pennsylvania, Smithfield, Pennsylvania -- 

report on competitive factors of the proposed merger with Centra Bank-Smithfield.

- Submitted, July 27, 2006 

Cleveland

Superior Bank, Birmingham, Alabama -- report on competitive factors of the 

proposed merger with Community Bank, Blountsville.

- Submitted, July 26, 2006 

Atlanta

Wescom Credit Union, Pasadena, California -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the San Diego branch of 

Pacific Capital Bank, National Association, Santa Barbara.

- Submitted, July 24, 2006 

San Francisco

Extensions Of Time

Berkshire Bancorp, Inc., Wyomissing, Pennsylvania -- extension to October 1, 

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

- Granted, July 26, 2006 

Philadelphia

The Farmers State Bank of Fort Morgan Colorado Employe Stock Ownership Plan, 

Fort Morgan, Colorado -- extension to November 17, 2006, to acquire up to 38 

percent of the shares of F.S.B. Bancorporation of Fort Morgan, Colorado, parent of 

Farmers State Bank of Fort Morgan.

- Granted, July 25, 2006 

Kansas City

Membership

Investors Bank & Trust Company, Boston, Massachusetts -- to become a member of 

the Federal Reserve System.

- Approved, July 27, 2006 

Boston

(AC) = Addition or Correction Delegated - Page 8 of 9
H.2 Actions under delegated authority July 23, 2006 to July 29, 2006

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on June 28-29, 2006.

- Published, July 20, 2006 (AC)

FOMC

(AC) = Addition or Correction Delegated - Page 9 of 9
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending July 29, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Notification by Anglo Irish Bank Corporation

PLC, Dublin, Ireland to establish a

representative office in Chicago, Illinois

pursuant to section 211.24(a)(2)(i)(B)(3) of

Regulation K

ANGLO IRISH BANK

CORP.,PLC

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 08/14/2006

Application by Fidelity Mutual Holding

Company and Life Design Holding Company,

both of Fitchburg, Massachusetts, to become a

mutual bank holding company and stock bank

holding company, respectively, by acquiring

Fidelity Co-operative Bank, Fitchburg,

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

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

1956, as amended.

FIDELITY MUTUAL HOLDING

COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Meridian Financial Sevices, Inc. and its

wholly-owned subsidiary, Meridian Interstate

Bancorp, Inc., both of East Boston,

Massachusetts, to acquire up to 40% of

Hampshire First Bank, Manchester, New

Hampshire (in formation) pursuant to section

3(a)(3) of the BHC Act.

Meridian Financial Sevices, Inc. and its

wholly-owned subsidiary, Meridian Interstate

Bancorp, Inc., both of East Boston,

Massachusetts, to acquire up to 40% of

Hampshire First Bank, Manchester, New

Hampshire (in formation) pursuant to section

3(a)(3) of the BHC Act.

MERIDIAN FINANCIAL

SERVICES, INC

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 08/21/2006

Passumpsic Bancorp, Saint Johnsbury,

Vermont to acquire The Siwooganock Holding

Company, Inc. and its subsidiary bank, The

Siwooganock Bank, both of Lancaster, New

Hampshire, and to retain 10% of the voting

shares of Lancaster National Bank, Lancaster,

New Hampshire pursuant to sections 3(a)(3)

and 3(a)(5) of the Banking Holding Company

Act of 1956, as amended.

PASSUMPSIC BANCORP

* 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

3251081 CONNECTICUT BK & TR CO, HARTFORD, CONNECTICUT 05/01/2006 06/16/2006 S Small Bank

1216992 MERCANTILE B&TC, BOSTON, MASSACHUSETTS 02/21/2006 05/29/2006 O Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending July 29, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Banco Bilbao Vizcaya Argentaria, S.A.,

Bilbao, Spain, proposes to acquire Texas

Regional Bancshares, Inc., McAllen, Texas;

Texas Regional Delaware, Inc., Wilmington,

Delaware; and thereby indirectly acquire Texas

State Bank, McAllen, Texas, pursuant to

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

Act of 1956, as amended.

BANCO BILBAO VIZCAYA

ARGENTARIA, S.A.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Banco Bilbao Vizcaya Argentaria, S.A.,

Bilbao, Spain, proposes to acquire State

National Bancshares, Inc., Fort Worth, Texas;

State National Bancshares of Delaware, Inc.,

Dover, Delaware; and thereby indirectly

acquire State National Bank, Fort Worth,

Texas, pursuant to Section 3(a)(3) of the Bank

Holding Company Act of 1956, as amended.

BANCO BILBAO VIZCAYA

ARGENTARIA, S.A.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Banco Popular, North America, New York,

New York to open a new domestic branch,

located at 9600 W. Bryn Mawr, Rosemont

(Cook County), Illinois.

BANCO POPULAR NORTH

AMERICA

Newspaper:

Federal Register:

* 3A3 07/30/2006

08/04/2006

HSBC Holdings plc, HSBC Overseas Holdings

(UK) Limited, both of London, United

Kingdom, HSBC North America Inc., Buffalo,

New York, HSBC Investments (North

America) Inc., Wilmington, Delaware, HSBC

North America Holdings Inc., Prospect

Heights, Illinois, and HSBC USA Inc., New

York, New York, propose to acquire a new

insured and full-service bank pursuant to

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

Act of 1956 as amended,by establishing a

national bank to be named HSBC National

Bank USA in Bethesda, Maryland.

HSBC HOLDINGS PLC

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Manufacturers and Traders Trust Company,

Buffalo, New York, requests approval to open

and occupy a full-service branch office located

at 1500 Blenheim Farm Lane, Havre de Grace,

Hartford County, Maryland.

MANUFACTURERS AND

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Natexis Banques Poplaires, Paris, France

request to establish an additional branch

location in New York. (this is a transfer of the

front office operations of the existing NY

branch)

NATEXIS BANQUES

POPULAIRES

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

Filings received during the week ending July 29, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Westpac Banking Corporation, Sydney,

Australia to engage de novo indirectly through

Hastings Funds Management (US) Inc., New

York, New York as an investment and

financial adviser pursuant to Section

225.28(b)(6)

WESTPAC BANKING

CORPORATION

* 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

236706 PEAPACK GLADSTONE BK, GLADSTONE, NEW JERSEY 10/31/2005 07/13/2006 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending July 29, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 08/26/2006

08/28/2006

Graystone Financial Services Corp, Lancaster,

PA to become a bank holding company by

acquiring 100% of Graystone Bank, Lancaster,

PA.

Graystone Financial Services

Corp

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending July 29, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH requests 07/26/2006

permission to establish a tempory branch at

The Pete Day Golf Course, 801 Aaron Smith

Drive, Bridgeport, WV.

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 Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending July 29, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Benchmark Community Bank, Kenbridge, 08/04/2006

Virginia, proposes to establish a branch at

1320 Seymour Drive, South Boston, Virginia.

BENCHMARK COMMUNITY

BANK

Newspaper:

Federal Register:

CIC 08/15/2006

08/11/2006

Notice by Richard Jarrell, Freda Jarrell, Carl

Jarrell, Robert Jarrell, and Robin Jarrell as a

group acting in concert to retain control of

25.04% of the voting shares of Big Coal River

Bancorp, Whitesville, West Virginia.

BIG COAL RIVER BANCORP,

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Robert Milam, Jr. to individually

retain control of 17.61% of the voting shares of

Big Coal River Bancorp, Inc., Whitesville,

West Virginia. Additionally, Robert Milam,

Jr., Robert Milam, Melissa Milam, Jada

Milam, Kevin Milam, Lloyd Jarrell, and other

members of the Milam family, as a group

acting in concert, to retain control of 18.46%

of the voting securities shares of Big Coal

River Bancorp, Inc., Whitesville, West

Virginia.

BIG COAL RIVER BANCORP,

INC.

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

802129 FARMERS & MECHANICS BK, FREDERICK, MARYLAND 11/28/2005 06/14/2006 S Large Bank

976226 FAUQUIER BK, WARRENTON, VIRGINIA 02/13/2006 05/30/2006 S Large Bank

708333 PEOPLES BK OF MULLENS, MULLENS, WEST VIRGINIA 02/27/2006 06/01/2006 S Small Bank

831727 SECOND B&TC, CULPEPER, VIRGINIA 02/27/2006 06/14/2006 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending July 29, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 08/03/2006

establish branches at the following locations:

at 6900 Virginia Parkway, McKinney, Texas,

to be known as the McKinney - Virginia

Branch, and at the intersection of South

Gilbert Road and West Warner Road, Gilbert,

Arizona, to be known as the Gilbert - Warner

Branch.

COMPASS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 08/04/2006

establish a branch located at a kiosk at

Sharpstown Mall at 7500 Bellarie Boulevard,

Houston, Texas, to be known as the

Sharpstown - Mall Branch.

COMPASS BANK

Newspaper:

Federal Register:

CIC 08/16/2006

08/04/2006

Madison Financial Corporation, Madison,

Mississippi, after-the-fact change in control

notice by John L. Harvey, Flora, Mississippi, to

retain 1.98 percent of the outstanding shares of

Madison Financial Corporation and its

subsidiary bank, Madison County Bank, both

of Madison, Mississippi. Total ownership is

11.97 percent.

MADISON FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Piedmont Community Bank Group, Inc., Gray,

Georgia, to become a bank holding company

by acquiring 100 percent of the outstanding

shares of Piedmont Community Bank, Gray,

Georgia.

Piedmont Community Bank

Group, Inc.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 08/03/2006

establish a branch located at 2205 North Elm

Street, Greensboro, North Carolina.

REGIONS BANK

Newspaper:

Federal Register:

* 4c8 08/19/2006

08/19/2006

Southeastern Bank Financial Corporation,

Augusta, Georgia, to acquire 100 percent of the

outstanding shares of Southern Bank & Trust,

Aiken, South Carolina (in organization), and

thereby engage de novo in operating a savings

association.

SOUTHEASTERN BANK

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 3A1 08/21/2006

08/24/2006

U.S. Century Bancorp, Inc., to become a bank

holding company by acquiring 100 percent of

the outstanding shares of U.S. Century Bank,

both of Miami, Florida.

U.S. CENTURY BANCORP,

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

237936 PEOPLES B&TC, SELMA, ALABAMA 10/20/2003 07/05/2006 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending July 29, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank Iowa, Denison, Iowa, to establish a 08/05/2006

branch facility to be located at 17 Main Street,

Charter Oak, Iowa.

BANK IOWA

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Bankers Bancorp, Inc., Springfield, Illinois, to

acquire 25 percent of the voting shares of 1st

St. Louis Securities, Missouri.

BANKERS' BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

08/25/2006

Capitol Bancorp, Ltd., Lansing, Michigan, and

Capitol Development Bancorp Limited V,

Lansing, Michigan, to acquire 51 percent of

the voting shares of Ohio Commerce Bank (in

organization), Beachwood, Ohio.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

08/28/2006

Capitol Bancorp, Ltd., Lansing, Michigan, and

Capitol Development Bancorp Limited V,

Lansing, Michigan, to acquire 51 percent of

the voting shares of Bank of Maumee (in

organization), Maumee, Ohio.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 07/29/2006

a branch facility to be located at 11608 Carmel

Mountain Road, San Diego, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 07/28/2006

a branch facility to be located at 1610 Stacy

Road, Allen, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* 3A5 08/19/2006

08/24/2006

Inland Bancorp Holding Company, Oak Brook,

Illinois, to acquire 100 percent of the voting

shares of Cambank, Inc., Lake Zurich, Illinois,

and thereby indirectly acquire Cambridge

Bank, Lake Zurich, Illinois.

INLAND BANCORP HOLDING

COMPANY

Newspaper:

Federal Register:

CIC 08/11/2006

08/16/2006

Notice by Jay R. Rehnstrom, Sioux Rapids,

Iowa, individually and as co-trustee of the

Steven Jon Rehnstrom Trust, and Mark D.

Rehnstrom, Sioux Rapids, Iowa, individually

and as co-trustee of the Steven Jon Rehnstrom

Trust, each to retain control of 46.01 percent;

and, acting as a group with the Rehnstrom

Family (Jay R. Rehnstrom, Sioux Rapids, IA;

Mark D. Rehnstrom, Sioux Rapids, IA; Steven

Jon Rehnstrom Trust, Sioux Rapids, IA;

Marilyn M. Rehnstrom, Spencer, IA; and,

Anne L. Rehnstrom, Urbandale, IA) to retain

control of 100 percent of Little Sioux

Bancshares, Inc., Sioux Rapids, IA.

LITTLE SIOUX BANCSHARES,

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Marquette Bank, Chicago, Illinois, to merge

with Hemlock Federal Bank for Savings, Oak

Forest, Illinois, and thereby to establish 6

branches.

MARQUETTE BANK

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

Federal Reserve Bank of Chicago

Filings received during the week ending July 29, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 08/12/2006

08/07/2006

Pedcor Capital, LLC, Carmel, Indiana, to

become a bank holding company by acquiring

100 percent of the voting shares of Pedcor

Bancorp, Carmel, Indiana, and thereby

indirectly acquire International City Bank,

N.A., Long Beach, California.

PEDCOR CAPITAL, LLC

* 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

540542 G W JONES EXCHANGE BK, MARCELLUS, MICHIGAN 03/06/2006 07/13/2006 S Small Bank

982348 IOWA ST BK, HULL, IOWA 04/17/2006 07/13/2006 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending July 29, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Farmers Bank & Capital Trust Company,

Frankfort, Kentucky, to become a member of

the Federal Reserve System.

FARMERS BANK & CAPITAL

TRUST COMPANY

* 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

719656 CALLAWAY BK, FULTON, MISSOURI 04/03/2006 07/14/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending July 29, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/18/2006

Jon W. Neumann, Hawley, Minnesota, to gain

control of First Hawley Bancshares, Inc.,

Hawley, Minnesota, and thereby indirectly gain

control of First National Bank, Hawley,

Minnesota.

FIRST HAWLEY

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

08/21/2006

TCF Financial Corporation, Wayzata,

Minnesota, proposes to acquire 100% of TCF

National Bank Arizona, Mesa, Arizona, a de

novo bank.

TCF FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

07/31/2006

U.S. Bancorp, Minneapolis, Minnesota, to

acquire 100 percent of Vail Banks, Inc., Avon,

Colorado, and thereby indirectly acquire

WestStar Bank, Vail, Colorado.

U.S. BANCORP

* 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

475354 FARMERS ST BK, VICTOR, MONTANA 03/27/2006 07/17/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending July 29, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

1st Financial Bank, Overland Park, Kansas, to 08/11/2006

establish a branch at 19310 Midland Drive,

Shawnee, Kansas.

1ST FINANCIAL BANK

Newspaper:

Federal Register:

* 3A3 08/10/2006

08/11/2006

Ameri-National Corporation, Leawood,

Kansas, to acquire 100 percent of the voting

shares of Heritage Bank, National Association,

Phoenix, Arizona, a de novo bank.

AMERI-NATIONAL

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Community Banks of Colorado, Greenwood 08/28/2006

Village, Colorado, to establish a branch at

1429 Grand Avenue, Suite 103, Glenwood

Springs, Colorado.

COMMUNITY BANKS OF

COLORADO

Newspaper:

Federal Register:

* Branch

Not applicable

Community Banks of Colorado, Greenwood 08/28/2006

Village, Colorado, to establish a branch at

7900 East 1st Avenue, Denver, Colorado.

COMMUNITY BANKS OF

COLORADO

Newspaper:

Federal Register:

* Branch

Not applicable

F&M Bank and Trust Company, Tulsa, 08/04/2006

Oklahoma, to establish a branch at 7100 S.

Harvard Avenue, Tulsa, Oklahoma.

F & M BANK AND TRUST

COMPANY, THE

Newspaper:

Federal Register:

* 3A1 Not available

08/21/2006

First Liberty Holdings, LLC, Oklahoma City,

Oklahoma, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of Hazelton Bancshares, Inc.,

Hazelton, Kansas, parent of The Farmers State

Bank, Meno, Oklahoma.

FIRST LIBERTY HOLDINGS,

LLC

Newspaper:

Federal Register:

* 3A3 Not available

08/24/2006

FirsTier II Bancorp., to acquire 100 percent of

the voting shares of FirsTier Bancorp I, both in

Cheyenne, Wyoming, parent of FirsTier Bank,

Wyoming, Upton, Wyoming.

FIRSTIER II BANCORP.

Newspaper:

Federal Register:

* Branch

Not applicable

Heritage Bank, Louisville, Colorado, to 08/06/2006

establish a branch at 25 East Ken Pratt

Boulevard, Longmont, Colorado.

HERITAGE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Kearney Commercial Bank, Kearney, 08/11/2006

Missouri, to establish a branch at 930 West

Liberty Drive, Liberty, Missouri.

KEARNEY COMMERCIAL

BANK

Newspaper:

Federal Register:

* 3A1 08/12/2006

08/11/2006

TriCentury Corporation, Overland Park,

Kansas, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of Nine Tribes Bancshares, Inc.,

parent of The Bank of Quapaw, both in

Quapaw, Oklahoma.

TRICENTURY CORPORATION

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending July 29, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

819855 PEOPLES BK, LUBBOCK, TEXAS 03/06/2006 07/03/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending July 29, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/14/2006

Western Alliance Bancorporation, Las Vegas,

Nevada, to acquire 100 percent of Alta

Alliance Bank (In Organization), Oakland,

California.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Alta Alliance Bank (In Organization),

Oakland, California, to become a member of

the Federal Reserve System.

ALTA ALLIANCE BANK (IN

ORGANIZATION)

Newspaper:

Federal Register:

* 3A3 08/22/2006

08/25/2006

Bank of Whitman Employee Stock Ownership

Plan, Colfax, Washington, to acquire 52

percent of Whitman Bancorporation, Colfax,

Washington, and thereby indirectly acquire

additional shares of Bank of Whitman, Colfax,

Washington.

BANK OF WHITMAN

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A3 08/24/2006

08/25/2006

Community Bancorp, Las Vegas, Nevada, to

acquire 100 percent of Cactus Commerce

Bank, an Arizona Banking Corporation,

Glendale, Arizona.

COMMUNITY BANCORP

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act