Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 29

Week Ending July 22, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions July 16, 2006 to July 22, 2006

Testimony And Statements

Coin and Currency Issues -- statement by Louise L. Roseman, Director, Division of 

Reserve Bank Operations and Payment Systems, before the Subcommittee on 

Domestic and International Monetary Policy, Trade, and Technology of the House 

Committee on Financial Services.

- Published, July 19, 2006 

Regulations And Policies

FACT ACT (Regulation V) -- publication for comment of interagency rules that 

would establish (1) guidelines for institutions and creditors for detecting patterns of 

identity theft, (2) regulations requiring institutions and creditors to establish policies 

for implementing the guidelines, and (3) regulations outlining procedures for noting 

discrepancies in credit reports (Docket No. R-1255).

- Announced, July 18, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
July 16, 2006 to July 22, 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

Banco Popular North America, New York, New York -- to establish a branch at 310 

East Houston Street.

- Withdrawn, July 21, 2006 

New York

Central State Bank, Muscatine, Iowa -- to establish a branch at 710 5th Street West, 

Wilton.

- Approved, July 21, 2006 

Chicago

Gateway Bank & Trust Co., Elizabeth City, North Carolina -- to establish a branch 

at 3801 Pacific Avenue, Virginia Beach, Virginia.

- Approved, July 18, 2006 

Richmond

Kearney State Bank and Trust Company, Kearney, Nebraska -- to establish a mobile 

branch at 3015 2nd Avenue.

- Approved, July 21, 2006 

Kansas City

Markesan State Bank, Markesan, Wisconsin -- to establish a branch at 807 and 811 

West Main Street, Waupun.

- Approved, July 17, 2006 

Chicago

Old Southern Bank, Clermont, Florida -- to establish branches at 2415 Aloma 

Avenue, Winter Park; and 250 North Orange Avenue, Orlando.

- Approved, July 21, 2006 

Atlanta

The Patapsco Bank, Dundalk, Maryland -- to establish a branch at 11630 Glen Arm 

Road, Glen Arm.

- Approved, July 18, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority July 16, 2006 to July 22, 2006

Bank Branches, Domestic

PlainsCapital Bank, Lubbock, Texas -- to establish a branch at 150 East Sonterra 

Boulevard, San Antonio.

- Approved, July 19, 2006 

Dallas

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 8020 

Conroy Windermere Road, Orlando, Florida.

- Approved, July 19, 2006 

Richmond

Sterling Bank, Mount Laurel, New Jersey -- to establish a branch at 4002 

Bridgeboro Road, at the intersection of County Route 613 and Hartford Road, 

Delran Township.

- Approved, July 21, 2006 

Philadelphia

Sun American Bank, Miami, Florida -- to establish a branch at 221 Miracle Mile, 

Coral Gables.

- Approved, July 18, 2006 

Atlanta

Temecula Valley Bank, Temecula, California -- to establish a branch at 3595 Inland 

Empire Boulevard, Ontario.

- Approved, July 18, 2006 

San Francisco

Bank Holding Companies

Boston Private Financial Holdings, Inc., Boston, Massachusetts -- to acquire an 

additional 10 percent of the shares of Bingham, Osborn & Scarborough LLC, San 

Francisco, California.

- Approved, July 18, 2006 

Boston

CBOS Bankshares, Inc., Merritt Island, Florida -- to become a bank holding 

company and to acquire Community Bank of the South.

- Approved, July 21, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority July 16, 2006 to July 22, 2006

Bank Holding Companies

Champion Bancshares, Inc., Creve Coeur, Missouri -- to become a bank holding 

company and to acquire Champion Bank, a de novo bank.

- Approved, July 21, 2006 

St. Louis

Comanche National Corporation, Comanche, Texas, and Comanche National 

Corporation of Delaware, Wilmington, Delaware -- to acquire The First National 

Bank of Santo, Santo, Texas.

- Approved, July 20, 2006 

Dallas

East Penn Financial Corporation, Emmaus, Pennsylvania -- to acquire up to 19.9 

percent of the shares of Berkshire Bancorp, Inc., Wyomissing.

- Approved, July 17, 2006 

Philadelphia

Finlayson Bancshares, Inc., Finlayson, Minnesota -- to acquire First National 

Agency Company of Deer River, Inc., Deer River, and indirectly acquire First 

National Agency of Deer River, Inc., a nonbank insurance subsidiary.

- Approved, July 20, 2006 

Minneapolis

First National Bancshares, Inc., Goodland, Kansas, and First National Bank -- 

waiver of application in connection with the acquisition of First National Bank of 

Mount Vernon, Mount Vernon, Missouri.

- Withdrawn, July 17, 2006 

Kansas City

First Republic Bank, Las Vegas, Nevada -- waiver of application to merge with 

BWC Financial Corporation, Walnut Creek, California, and Bank of Walnut Creek 

and to merge the two institutions into First Republic Bank.

- Granted, July 21, 2006 

San Francisco

Friendship Bancshares, Inc., Linn, Missouri -- to acquire 7.47 percent of the shares 

of Branson Bancshares, Inc., Branson, and Branson Bank.

- Approved, July 21, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority July 16, 2006 to July 22, 2006

Bank Holding Companies

H Financial of Florida, Inc., St. Augustine, Florida -- to become a bank holding 

company and to acquire Haven Trust Bank, a de novo bank.

- Approved, July 20, 2006 

Atlanta

Mid-Missouri Bancshares, Inc., Springfield, Missouri -- to merge with First 

Financial Bancshares, Inc. and thereby acquire First National Bank of Mount 

Vernon, Mount Vernon.

- Approved, July 19, 2006 

St. Louis

Mid-Missouri Bancshares, Inc., Springfield, Missouri -- to merge with Central 

States Bancshares, Inc., and thereby acquire Webb City Bank, Webb City.

- Approved, July 19, 2006 

St. Louis

The Northern Trust Company, Chicago, Illinois -- to extend the corporate existence 

and amend the articles of association of its Edge corporation subsidiary, The 

Northern Trust International Banking Corporation, New York, New York.

- Approved, July 19, 2006 

Director, BS&R

Orange Community Bancorp, Orange, California -- to become a bank holding 

company and to acquire Orange Community Bank.

- Approved, July 18, 2006 

San Francisco

Signature Bancorporation, Inc., Chicago, Illinois -- to become a bank holding 

company and to acquire Signature Bank, a de novo bank.

- Approved, July 17, 2006 

Chicago

Spearville Bancshares, Inc., Spearville, Kansas -- to become a bank holding 

company and to acquire First National Bank of Spearville.

- Approved, July 17, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority July 16, 2006 to July 22, 2006

Bank Holding Companies

State Bank of Hawley Employee Stock Ownership Plan & Trust, Hawley, 

Minnesota -- to increase its ownership to 46 percent of the shares of Bankshares of 

Hawley, Inc.

- Approved, July 20, 2006 

Minneapolis

Table Rock Bancshares Corporation, Kimberling City, Missouri -- to become a 

bank holding company and to acquire Table Rock Community Bank, a de novo 

bank.

- Approved, July 21, 2006 

St. Louis

Bank Mergers

Chemical Bank, Midland, Michigan -- to acquire certain assets and assume certain 

liabilities of two branches of First Financial Bank, National Association, Hamilton, 

Ohio, and thereby establish branches.

- Approved, July 21, 2006 

Chicago

First Banks, Inc., Hazelwood, Missouri, and The San Francisco Company, San 

Francisco, California -- to acquire San Diego Community Bank, Chula Vista; and 

for First Bank, St. Louis, Missouri, to merge with San Diego Community Bank and 

retain the acquired facilities as branches.

- Approved, July 20, 2006 

St. Louis

Change In Bank Control

Farmers Bancshares, Inc., Maysville, Missouri -- to retain control of Farmers 

Bancshares, Inc.

- Permitted, July 20, 2006 

Kansas City

Fredonia Valley Bancorp, Inc., Fredonia, Kentucky -- change in bank control.

- Permitted, July 18, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority July 16, 2006 to July 22, 2006

Competitive Factors Reports

ACB Bank, Cherokee, Oklahoma -- report on competitive factors of the proposed 

purchase of certain assets and assumption of certain liabilities of the Garber branch 

of First American Bank, Purcell.

- Submitted, July 19, 2006 

Kansas City

Bank of England, England, Arkansas -- report on competitive factors of the 

proposed merger with Bank of England Mortgage Company, Little Rock.

- Submitted, July 20, 2006 

St. Louis

Better Banks, Peoria, Illinois -- report on competitive factors of the proposed 

merger with Wyoming Bank & Trust Company, Wyoming.

- Submitted, July 20, 2006 

Chicago

Enterprise Bank & Trust Company, Clayton, Missouri -- report on competitive 

factors of the proposed merger with NorthStar Bank, National Association, North 

Kansas City.

- Submitted, July 21, 2006 

St. Louis

Equity Bank, a National Association, Andover, Kansas -- report on competitive 

factors of the proposed merger with The First National Bank of Sarcoxie, Sarcoxie, 

Missouri.

- Submitted, July 19, 2006 

Kansas City

First Community Bank of Joliet, Joliet, Illinois -- report on competitive factors of 

the proposed merger with Republic Bank of Joliet, an interim bank.

- Submitted, July 17, 2006 

Chicago

First Mid-Illinois Bank & Trust, National Association, Mattoon, Illinois -- report on 

competitive factors of the proposed merger with Peoples State Bank of Mansfield, 

Mansfield.

- Submitted, July 20, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority July 16, 2006 to July 22, 2006

Competitive Factors Reports

The First National Bank and Trust Company of Okmulgee, Okmulgee, Oklahoma -- 

report on competitive factors of the proposed merger with First National Bank, 

Henryetta.

- Submitted, July 21, 2006 

Kansas City

First State Bank of Joplin, Joplin, Missouri -- report on competitive factors of the 

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

Sarcoxie branch of Equity Bank, N.A., Andover, Kansas.

- Submitted, July 20, 2006 

Kansas City

Liberty Bank, Alton, Illinois -- report on competitive factors of the proposed 

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

Alton branches of The First National Bank of Grant Park, Grant Park.

- Submitted, July 19, 2006 

St. Louis

Peoples State Bank of Mansfield, Mansfield, Illinois -- report on competitive factors 

of the proposed merger with Mansfield Bancorp, Inc.

- Submitted, July 20, 2006 

Chicago

Extensions Of Time

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to October 20, 

2006, to establish a branch at 1520 109th Avenue Northeast (formerly at 109th 

Avenue and Highway 65), Blaine, Minnesota.

- Granted, July 21, 2006 

Chicago

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to October 20, 

2006, to establish a branch at 7860 32nd Street (formerly at 34th Street North and 

Ideal Avenue North), Oakdale, Minnesota.

- Granted, July 21, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority July 16, 2006 to July 22, 2006

Extensions Of Time

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to October 20, 

2006, to establish a branch at 75th Avenue and Lower Buckeye Road, Phoenix, 

Arizona.

- Granted, July 21, 2006 

Chicago

WestStar Bank, Vail, Colorado -- extension to October 8, 2006, to establish a 

branch temporarily at 123 West Hampden Avenue, Unit A, Englewood, to be 

moved to 500 West Hampden Avenue.

- Granted, July 20, 2006 

Kansas City

Financial Holding Companies

U.S. Trust Corporation, New York, New York -- election to become a financial 

holding company.

- Effective, July 19, 2006 

San Francisco

Membership

Commerce Union Bank, Springfield, Tennessee, a de novo bank -- to become a 

member of the Federal Reserve System.

- Approved, July 20, 2006 

Atlanta

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

Federal Reserve Bank of Boston

Filings received during the week ending July 22, 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

* 3A5 07/20/2006

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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending July 22, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Bank of New York, New York, New York, 07/29/2006

has filed an application to open two domestic

branches, located at 1001 Franklin Avenue,

Garden City, New York and 701 Westchester

Avenue, White Plains, New York.

BANK OF NEW YORK

COMPANY, INC., THE

Newspaper:

Federal Register:

* 3A3 Not available

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:

4c8 Not applicable

08/08/2006

Notice by Kookmin Bank, Seoul, Korea

("Kookmin"), for prior approval of the Board

of Governors of the Federal Reserve (the

"Board"), pursuant to Section 4(c)(8) of the

Bank Holding Company Act of 1956, as

amended, and Section 225.24 of Regulation Y,

to engage in the U.S. nonbanking activities of

Korea Exchange Bank, Seoul, Korea ("KEB"),

after Kookmin acquires a controlling interest

in KEB.

KOOKMIN BANK

Newspaper:

Federal Register:

FBSEA

Not applicable

Macquarie Bank Ltd., Sydney, Australia, to 08/12/2006

establish one additional representative office in

San Francisco, California, pursuant to Section

211.24(a)(2)(i)(B)(3) of Regulation K.

MACQUARIE BANK LIMITED

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

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending July 22, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 22, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 07/26/2006

establish a branch at 2785 North Clybourn

Avenue, Chicago, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 07/26/2006

establish a branch at 800 South Waukegan

Road, Waukegan, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 4c8

4c8

08/14/2006

08/14/2006

National City Corporation, Cleveland, OH to

acquire Harbor Florida Bancshares, Inc., Fort

Pierce, Florida and indirectly acquire its thrift

subsidiary Harbor FSB and its nonbanking

companies.

NATIONAL CITY

CORPORATION

Newspaper:

Federal Register:

* 3A3 08/02/2006

08/18/2006

Park National Corporation, Newark, OH to

acquire The Park National Bank of Kentucky,

Florence, KY pursuant to Section 3(a)(3) of the

Bank Holding Company Act.

PARK NATIONAL

CORPORATION

* 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 22, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice by Richard Jarrell, Freda Jarrell, Carl 08/15/2006

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:

* Branch

Not applicable

Waccamaw Bank, Whiteville, North Carolina, 07/28/2006

proposes to establish a branch at 1230 16th

Avenue, Conway, South Carolina.

WACCAMAW BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Waccamaw Bank, Whiteville, North Carolina, 08/04/2006

proposes to establish a temporary branch at

925-5 Seaside Road SW, Ocean Isle Beach,

North Carolina.

WACCAMAW BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending July 22, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

1st United Bank, Boca Raton, Florida, to 08/04/2006

establish a branch located at 1700 Palm Beach

Lakes Boulevard, West Palm Beach, Florida.

1ST UNITED BANK

Newspaper:

Federal Register:

* 3A3 08/13/2006

08/14/2006

Community Bancshares of Mississippi, Inc.

Employee Stock Ownership Plan, Brandon,

Mississippi, to acquire up to an additional one

percent of the voting shares of common stock

of Community Bancshares of Mississippi, Inc.,

Brandon, Mississippi, and thereby indirectly

acquire its wholly-owned bank subsidiaries,

Community Bank, Amory, Mississippi;

Community Bank of Mississippi, Forest,

Mississippi; Community Bank, Meridian,

Meridian, Mississippi; Community Bank,

N.A., Memphis, Tennessee; Community Bank,

Ellisville, Ellisville, Mississippi; Community

Bank, Coast, Biloxi, Mississippi; its 80 percent

owned middle-tier bank holding company First

Lucedale Bancorp, Inc., Lucedale, Mississippi,

and its wholly-owned subsidiary bank

Community Bank, N.A., Lucedale, Mississippi,

pursuant to section 3(a)(3) of the Bank Holding

Company Act. The acquisition will increase

Community Bancshares of Mississippi, Inc.

Employee Stock Ownership Plan's ownership

in Community Bancshares of Mississippi, Inc.,

to a maximum of 20.96.

COMMUNITY BANCSHARES

OF MISSISSIPPI, INC.

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

CIC Not available

07/17/2006

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:

* Branch

Not applicable

Park Avenue Bank, Valdosta, Georgia, to 07/31/2006

establish branches at the following locations:

13901 Sutton Park Drive South, Suite 190,

Jacksonville, Florida; and 2220 Wisteria Drive,

Suite 102, Snellville, Georgia.

PARK AVENUE BANK, THE

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Pinnacle Bank Holding Company, Inc., notice

to become a bank holding company by

acquiring 100 percent of the outstanding shares

of Pinnacle Bank, both of Orange City, Florida.

PINNACLE BANK HOLDING

COMPANY, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 07/28/2006

a branch located at 6323 Lake Oconee

Parkway, Greensboro, Georgia, to be known as

the Lake Oconee Village Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Filings received during the week ending July 22, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 07/25/2006

a branch located at 601 Signal Mountain Road,

Chattanooga, Tennessee, to be known as the

Signal Mountain Wal-Mart Money Center

Office.

SUNTRUST BANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

TransAtlantic Holding Corp., notice to become

a bank holding company by acquiring 100

percent of the outstanding shares of

TransAtlantic Bank, both of Miami, Florida.

TRANSATLANTIC HOLDING

CORPORATION

Newspaper:

Federal Register:

* 3A1

Not available

U.S. Century Bancorp, Inc., to become a bank 08/21/2006

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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending July 22, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

1st Source Bank, South Bend, Indiana, to 07/31/2006

establish a branch facility to be located at 555

West Crosstown Parkway, Kalamazoo,

Michigan.

1ST SOURCE BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 11608 Carmel

Mountain Road, San Diego, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 1610 Stacy

Road, Allen, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Farmers Bank & Trust Co., Converse,

Indiana, to purchase certain assets and assume

certain liabilities of three Indiana branch

offices of Fifth Third Bank, Grand Rapids,

Michigan, located in Culver, Knox, and North

Judson, and thereby to establish three branch

offices.

FIRST FARMERS BANK &

TRUST

Newspaper:

Federal Register:

* 3A5 Not available

Not available

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:

* Branch

Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 07/20/2006

Wisconsin, to establish a branch facility to be

located at Yuma Road and Watson Road,

Buckeye, Arizona.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

4c8 Not applicable

08/07/2006

Marshall & Ilsley Corporation, Milwaukee,

Wisconsin, to acquire through its

wholly-owned subsidiary, Metavante

Corporation, 100 percent of the voting shares

of VICOR, Inc., Richmond, California, and

thereby engage in data processing activities,

and management consulting and counseling

activities.

MARSHALL & ILSLEY

CORPORATION

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Reg K -- The Northern Trust Company,

Chicago, Illinois, to make investments in

Northern Trust Guernsey Holdings Limited,

Saint Peter Port, Guernsey, and in Northern

Trust (Guernsey) Limited, Saint Peter Port,

Guernsey.

NORTHERN TRUST

COMPANY, THE

Newspaper:

Federal Register:

* 3A3 08/11/2006

08/14/2006

Oakland Financial Services, Inc., Oakland,

Iowa, to increase its ownership to a 33.3

percent equity interest in Otoe County

Bancorporation, Inc., Nebraska City, Nebraska,

and thereby increase their indirect ownership

of Otoe County Bank & Trust Company,

Nebraska City, Nebraska.

OAKLAND FINANCIAL

SERVICES, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending July 22, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

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

Newspaper:

Federal Register:

* 3A3 08/12/2006

08/14/2006

Southwest Company, Sidney, Iowa, to increase

its ownership to a 33.3 percent equity interest

in Otoe County Bancorporation, Inc., Nebraska

City, Nebraska, and thereby increase indirect

ownership of Otoe County Bank & Trust

Company, Nebraska City, Nebraska.

SOUTHWEST COMPANY

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending July 22, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/16/2006

08/18/2006

Farmers Capital Bank Corporation, Frankfort,

Kentucky, to acquire 100 percent of Citizens

National Bancshares, Inc., Nicholasville,

Kentucky, and thereby indirectly acquire

Citizens National Bank of Jessamine County,

Nicholasville, Kentucky.

FARMERS CAPITAL BANK

CORPORATION

Newspaper:

Federal Register:

* 3A3 08/16/2006

08/20/2006

Mercantile Bancorp, Inc., Quincy, Illinois, to

acquire 100 percent of Royal Palm Bancorp,

Inc., Naples, Florida, and thereby indirectly

acquire Royal Palm Bank of Florida, Naples,

Florida.

MERCANTILE BANCORP, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending July 22, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Dacotah Bank, Aberdeen, South Dakota, to 07/28/2006

establish a branch located on 35 South Sixth

Street, Custer, South Dakota.

DACOTAH BANK

Newspaper:

Federal Register:

* 3A3 08/02/2006

08/04/2006

Glacier Bancorp, Inc., Kalispell, Montana, to

acquire 100 percent of First National Bank of

Morgan, Morgan, Utah, through merger with

and into New First National Bank of Morgan,

an interim bank.

GLACIER BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 07/31/2006

08/07/2006

Richey Bancorporation Inc., Glendive,

Montana, to increase it ownership interest in

Community First Bancorp, Inc. Glendive,

Montana, from 25% to 33.33%, and thereby

indirectly acquire Community First Bank,

Glendive, Montana.

RICHEY BANCORPORATION,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

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

566953 STATE BK OF TOWNSEND, TOWNSEND, MONTANA 04/03/2006 07/10/2006 O 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 22, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

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:

* 3A1 Not available

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 22, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Daingerfield Holding Company, Daingerfield,

Texas, to acquire 100 percent of America''s

Pride Mortgage Services, LLC, Longview,

Texas, and thereby engage in nonbank

activities pursuant to Section 225.28(b)(1) of

Regulation Y.

DAINGERFIELD HOLDING

COMPANY

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending July 22, 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.

* 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