Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 18

Week Ending May 6, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions April 30, 2006 to May 6, 2006

Regulations And Policies

Home Equity Lending -- to hold four public hearings under the authority of the 

Home Ownership and Equity Protection Act of 1994 and request for public 

comment (Docket No. OP-1253).

- Approved, May 1, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
April 30, 2006 to May 6, 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

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 1800 South 

Muskogee Avenue, Tahlequah, Oklahoma.

- Approved, May 2, 2006 

St. Louis

Central Bank, Storm Lake, Iowa -- to establish a branch at 2906 Hamilton 

Boulevard, Sioux City.

- Approved, May 4, 2006 

Chicago

Comerica Bank, Detroit, Michigan -- to establish a branch at 3825 Crenshaw 

Boulevard, Los Angeles, California.

- Approved, May 4, 2006 

Secretary

Community Banks of Colorado, Greenwood Village, Colorado -- to establish a 

branch at 313 Chambers Avenue, Unit A/B, Eagle.

- Approved, May 5, 2006 

Kansas City

Community Banks of Colorado, Greenwood Village, Colorado -- to establish a 

branch at 262 Pagosa Street, Pagosa Springs.

- Approved, May 5, 2006 

Kansas City

First Bank of Berne, Berne, Indiana -- to establish a branch at Christopher Crossing, 

Van Wert, Ohio.

- Approved, May 1, 2006 

Chicago

IBERIABANK, Lafayette, Louisiana -- to establish branches at 468 Metairie Road, 

Metairie, and the 10000 block of Perkins Road, Baton Rouge.

- Approved, May 3, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority April 30, 2006 to May 6, 2006

Bank Branches, Domestic

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

67th Avenue and Happy Valley Road, Peoria, Arizona; Daisy Mountain Drive and 

Anthem Way, Phoenix; Shea Boulevard and 116th Avenue, Scottsdale; 2740 North 

Power Road, Mesa; 9000 Bonita Beach Road, Bonita Springs, Florida; 2375 

Tamiami Trail North, #100, Naples; and 4323 Milton Avenue, Janesville, 

Wisconsin.

- Approved, May 1, 2006 

Chicago

Second Bank & Trust, Culpeper, Virginia -- to establish a branch at 1330 Parham 

Circle, Charlottesville.

- Approved, May 3, 2006 

Richmond

Tradition Bank, Houston, Texas -- to establish a branch at 5020 Montrose 

Boulevard, Suite 200.

- Approved, May 1, 2006 

Dallas

Bank Holding Companies

Bank of the James Financial Group, Inc., Lynchburg, Virginia -- to engage de novo 

in providing securities brokerage services.

- Approved, May 2, 2006 

Richmond

BNC Bancorp, Thomasville, North Carolina -- waiver of application in connection 

with the merger of its subsidiary, Bank of North Carolina, and SterlingSouth Bank 

& Trust Company, Greensboro.

- Granted, May 4, 2006 

Richmond

Chino Commercial Bancorp, Chino, California -- to become a bank holding 

company and to acquire Chino Commercial Bank, National Association.

- Approved, May 4, 2006 

San Francisco

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority April 30, 2006 to May 6, 2006

Bank Holding Companies

F.N.B. Corporation, Hermitage, Pennsylvania -- waiver of application to acquire 

The Legacy Bank, Harrisburg.

- Granted, May 5, 2006 

Cleveland

First Community Bancorp, Rancho Santa Fe, California, Eggemeyer Advisory 

Corp., WJR Corp., Castle Creek Capital LLC, Castle Creek Capital Partners Fund 1 

LP, Castle Creek Capital Partners Fund 11a LP, and Castle Creek Capital Partners 

Fund 11b LP -- waiver of application to merge with Foothill Independent Bancorp, 

Glendora, and thereby acquire Foothill Independent Bank; and for Foothill 

Independent Bank to merge with Pacific Western National Bank, Santa Monica.

- Granted, May 4, 2006 

San Francisco

ICB Financial, Ontario, California -- to acquire Western State Bank, Duarte.

- Approved, May 5, 2006 

San Francisco

Kentucky Bancshares, Inc., Paris, Kentucky -- to acquire Peoples Bancorp of Sandy 

Hook, Inc., Sandy Hook, and to merge Peoples Bank, Morehead, with Kentucky 

Bank, Paris.

- Approved, May 1, 2006 

Cleveland

Prairieland Bancorp Employee Stock Ownership Plan and Trust, Bushnell, 

Illinois -- to increase ownership of Prairieland Bancorp, Inc., and thereby increase 

ownership of Farmers and Merchants State Bank of Bushnell.

- Approved, May 2, 2006 

Chicago

Salish and Kootenai Bancorporation, Polson, Montana -- to become a bank holding 

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

- Approved, May 1, 2006 

Minneapolis

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority April 30, 2006 to May 6, 2006

Bank Holding Companies

Tower Bancorp Inc., Greencastle, Pennsylvania -- to acquire FNB Financial 

Corporation, McConnellsburg, and The First National Bank of McConnellsburg.

- Approved, May 5, 2006 

Philadelphia

Bank Mergers

Truman Bank, St. Louis, Missouri -- to purchase certain assets and assume certain 

liabilities of Columbian Bank & Trust Company, Topeka, Kansas.

- Approved, May 5, 2006 

St. Louis

Change In Bank Control

First National Bancshares of Central Alabama, Inc., Aliceville, Alabama -- to 

retain control of First National Bancshares of Central Alabama, Inc.

- Permitted, May 3, 2006 

Atlanta

Competitive Factors Reports

Bank of Florida, Fort Lauderdale, Florida -- report on competitive factors of the 

proposed merger with Bristol Bank, Coral Gables.

- Submitted, May 4, 2006 

Atlanta

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

proposed acquisition of certain assets of FDS Bank, Mason, Ohio.

- Submitted, May 1, 2006 

New York

The First Bank of Baldwin, Baldwin, Wisconsin -- report on competitive factors of 

the proposed merger with Baldwin Investments, Inc.

- Submitted, May 5, 2006 

Minneapolis

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority April 30, 2006 to May 6, 2006

Competitive Factors Reports

First Trust & Savings Bank of Albany, Albany, Illinois -- report on competitive 

factors of the proposed merger with Old Farmers & Merchants State Bank, 

Hillsdale.

- Submitted, May 5, 2006 

Chicago

Guaranty Bank and Trust Company, Belzoni, Mississippi -- report on competitive 

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

liabilities of the Batesville, Senatobia, and Vicksburg branches of State Bank & 

Trust Company, Greenwood.

- Submitted, May 2, 2006 

St. Louis

Heritage Bank, Olympia, Washington -- report on competitive factors of the 

proposed merger with Washington State Bank, National Association, Federal Way.

- Submitted, May 2, 2006 

San Francisco

Hudson City Bancorp, Inc., Paramus, New Jersey -- report on competitive factors of 

the proposed acquisition of Sound Federal Savings, Mamaroneck, New York; and 

the proposed merger of Sound Federal Savings with Hudson City Savings Bank, 

Paramus, New Jersey.

- Submitted, May 4, 2006 

New York

JPMorgan Chase Bank, National Association, Columbus, Ohio -- report on 

competitive factors of the proposed merger with Liberty Payment Services, Inc., 

Louisville, Kentucky.

- Submitted, May 2, 2006 

New York

Kentucky Bank, Paris, Kentucky -- report on competitive factors of the proposed 

merger with Peoples Bank, Morehead.

- Submitted, May 3, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority April 30, 2006 to May 6, 2006

Competitive Factors Reports

Marine Bank, Wauwatosa, Wisconsin -- report on competitive factors of the 

proposed merger with CIB Bank, Indianapolis, Indiana.

- Submitted, May 5, 2006 

Chicago

Mirae Bank, Los Angeles, California -- report on competitive factors of the 

proposed merger with Mirae Merger Company.

- Submitted, May 2, 2006 

San Francisco

Mount Prospect National Bank, Mount Prospect, Illinois -- report on competitive 

factors of the proposed merger with State Bank and Trust Company, North 

Barrington.

- Submitted, May 5, 2006 

Chicago

PNC Bank, National Association, Pittsburgh, Pennsylvania -- report on competitive 

factors of the proposed merger with its subsidiary, Healthcare Administration 

Technologies, Inc., Tulsa, Oklahoma, through a corporate reorganization.

- Submitted, May 3, 2006 

Cleveland

The State Bank - La Junta, La Junta, Colorado -- report on competitive factors of 

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

Rocky Ford, Colorado, branch of First Tennessee Bank, National Association, 

Memphis, Tennessee.

- Submitted, May 2, 2006 

Kansas City

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

proposed purchase of assets and assumption of liabilities of First Kensington Bank, 

Tampa, Florida.

- Submitted, May 4, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority April 30, 2006 to May 6, 2006

Extensions Of Time

AuburnBank, Auburn, Alabama -- extension to May 17, 2007, to establish a branch 

in Kroger Tigertown Supermarket at Frederick Road and Enterprise Drive, Opelika.

- Granted, May 2, 2006 

Atlanta

Bank of Western Oklahoma, Elk City, Oklahoma -- extension to September 6, 2006, 

to establish a branch at the intersection of Williams and Downs Avenues, 

Woodward.

- Granted, May 4, 2006 

Kansas City

Butler Bancorp, MHC, Lowell, Massachusetts, and Butler Bancorp, Inc. -- 

extension to July 2, 2006, to become bank holding companies and to acquire Butler 

Bank.

- Granted, May 3, 2006 

Boston

International Brotherhood of Boilermakers, Iron Ship Builders, Blacksmiths, 

Forgers and Helpers, Kansas City, Kansas -- extension to March 28, 2007, to 

acquire up to 47.5 percent of the shares of Brotherhood Bancshares, Inc., parent of 

Brotherhood Bank & Trust Company.

- Granted, May 4, 2006 

Kansas City

Membership

Colorado East Bank & Trust, Lamar, Colorado -- to become a member of the 

Federal Reserve System.

- Withdrawn, May 2, 2006 

Kansas City

Marine Bank of the Florida Keys, Marathon, Florida -- to become a member of the 

Federal Reserve System.

- Approved, May 3, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 7 of 7
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending May 6, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Braintree Bancorp MHC, Braintree, MA -

section 3(a)(1) application to acquire The

Braintree Co-operative Bank, Braintree, MA

BRAINTREE BANCORP MHC

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending May 6, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

JPMorgan Chase & Co., New York, New York,

provided 30 days' prior notice to the Board of

Governors of the Federal Reserve System of its

intention to make an investment in Colombia.

JPMORGAN CHASE & CO.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Manufacturers and Traders Trust Company,

Buffalo, New York, requests prior approval of

the Board of Governors of the Federal Reserve

System, to purchase selected assets and assume

selected deposit liabilities associated with 21

branches in Buffalo and Rochester, New York,

of Citibank, N.A., New York, New York,

pursuant to Section 18(c) of the Federal Deposit

Insurance Act, and in connection therewith to

establish branches, pursuant to Section 9 of the

Federal Reserve Act.

MANUFACTURERS AND

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Mizrahi Tefahot Bank Ltd. (the "Bank"),

Ramat-Gan, Israel, is applying to the Board,

under Section 211.24(a)(1) of Regulation K, to

establish a branch in New York, New York by

relocating the Bank's Los Angeles, California

FDIC-insured branch. 

In addition, the Bank is applying to the Board,

under Section 211.24(a)(1), to establish a

representative office in Los Angeles, California,

which will serve as a liaison office with the

Bank's remaining California-based customers.

MIZRAHI TEFAHOT BANK

LTD.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Peapack-Gladstone Bank, Gladstone, New

Jersey, requests expedited approval to open a

branch office to be located at 15 Mountain View

Road, Township of Warren, Somerset County,

New Jersey.

PEAPACK-GLADSTONE BANK

* 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 May 6, 2006

Filing Type Filer 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 May 6, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 04/29/2006

temporary branch at the Highland Hills Golf

Club, 7455 Erie Street, Sylvania, OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 04/27/2006

branch at the 4020 Indian Road, Toledo, OH.

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 May 6, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Clear Mountain Bank, Bruceton Mill, West

Virginia, to purchase certain assets and assume

certain liabilities of the Rowlesburg, West

Virginia branch of First Community Bank, NA,

Bluefield, Virginia

CLEAR MOUNTAIN BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fidelity & Trust Bank, Bethesda, Maryland, 05/30/2006

proposes to establish a branch at 850 Sligo

Avenue, Suite 100, Silver Spring, Maryland.

FIDELITY & TRUST 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 May 6, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Florida Gulf Bancorp, Inc., notice to become a

bank holding company by acquiring 100

percent of the outstanding shares of Florida

Gulf Bank, both of Fort Myers, Florida.

FLORIDA GULF BANCORP,

INC.

Newspaper:

Federal Register:

* 3A1 Not available

06/02/2006

Great Financial Corporation, Miami Lakes,

Florida, to become a bank holding company by

acquiring 100 percent of the outstanding shares

of Great Florida Bank, Miami, Florida.

GREAT FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 05/15/2006

Hometown of Homestead, Inc., Ft. Pierce,

Florida (Hometown), to become a bank holding

company by acquiring 100 percent of the

outstanding shares of First of Homestead, Inc.,

and its subsidiary, 1st National Bank of South

Florida (Bank), both of Homestead, Florida.

Also enclosed are the applications by

Hometown Banking Company, Ft. Pierce,

Florida, to acquire 30 percent of the outstanding

shares of Hometown and Bank; The Prosperity

Banking Company, Inc., St. Augustine, Florida,

to acquire 10 percent of the outstanding shares

of Hometown and Bank; and Riverside Gulf

Coast Banking Company, Cape Coral, Florida,

to acquire 10 percent of the outstanding shares

of Hometown and Bank. Hometown will change

its name to Hometown of Homestead Banking

Company after consummation.

HOMETOWN OF HOMESTEAD,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Park Avenue Bank, Valdosta, Georgia, to 05/15/2006

establish a branch located at 1081 Parkway

Place, Watkinsville, Georgia.

PARK AVENUE BANK, THE

Newspaper:

Federal Register:

* 3A1 05/29/2006

06/01/2006

RockBridge Financial Holdings, Inc., Atlanta,

Georgia, to become a bank holding company by

acquiring 100 percent of the outstanding shares

of RockBridge Commercial Bank, Atlanta,

Georgia (in organization).

ROCKBRIDGE FINANCIAL

HOLDING, INC.

Newspaper:

Federal Register:

* 3A1 05/26/2006

05/11/2006

SEE Trust, Miami, Florida, with Evan Marbin

as trustee, to become a bank holding company

through the acquisition of control of 25.32

percent ownership of TRANSATLANTIC

BANK, Miami, Florida.

SEE TRUST

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

Federal Reserve Bank of Atlanta

Filings received during the week ending May 6, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 05/17/2006

05/10/2006

Southeastern Bank Financial Corporation,

Augusta, Georgia, after-the-fact change in

control notification filed by the Pollard Family

Group (Jennie Floyd Pollard; the Robert W.

Pollard, Jr. Section 2503(c) Trust for the

Benefit of Zachary Duncan Pollard, the Trust

dated February 1, 1984, for the Benefit of

Zachary Duncan Pollard, the Robert W. Pollard,

Jr. Section 2503(c) Trust for the Benefit of Ann

Elizabeth Pollard, the Trust dated December 17,

1985, for the Benefit of Ann Elizabeth Pollard,

the Robert W. Pollard, Jr. Section 2503(c) Trust

for the Benefit of Robert W. Pollard, III, and

the Trust dated February 1, 1984, for the

Benefit of Robert W. Pollard, III, Robert W.

Pollard, Jr. as Trustee and Individually; Patricia

D. Pollard; the Trust dated August 26, 1985, for

the Benefit of Levi Anderson Pollard, VI, and

the Trust dated July 1, 1986, for the Benefit of

Lucy Ann Pollard, Levi Anderson Pollard, V as

Trustee and Individually; Richard Daniel

Blanton; the Patricia Pollard Blanton Section

2503(c) Trust for the Benefit of Thomas Vinson

Blanton, II, the Trust dated August 26, 1985,

for the Benefit of Thomas Vinson Blanton, II,

the Patricia Pollard Blanton Section 2503(c)

Trust for the Benefit of Jennie Briggs Blanton,

the Trust dated January 1, 1992, for the Benefit

of Jennie Briggs Blanton, the Patricia Pollard

Blanton Section 2503(c) Trust for the Benefit of

Clayton Edward Blanton, the Trust dated

January 1, 1992, for the Benefit of Clayton

Edward Blanton, the Trust dated August 26,

1985, for the Benefit of Richard Daniel

Blanton, Jr., and the Trust dated August 26,

1985, for the Benefit of Lee Blanton West,

Patricia Pollard Blanton as Trustee and

Individually; Lee Blanton West; Pollard Land

Company; and RWP Sr. Enterprises, LLLP

(Robert W. Pollard, Jr., Lynn Pollard

Nickerson, Levi Anderson Pollard, V, and

Patricia Pollard Blanton, general partners), all

of Appling, Georgia; Robert William Pollard,

III, Evans, Georgia; Richard Daniel Blanton,

Jr., Carrollton, Georgia; and the Trust dated

August 26, 1985, for the Benefit of Paul Rush

Battle, Lynn Pollard Nickerson as Trustee and

Individually, all of Atlanta, Georgia), to retain

control of Southeastern Bank Financial

Corporation, and its subsidiary bank, Georgia

Bank & Trust, both of Augusta, Georgia.

SOUTHEASTERN BANK

FINANCIAL CORPORATION

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

Federal Reserve Bank of Atlanta

Filings received during the week ending May 6, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 05/17/2006

05/24/2006

Southern National Corporation, Andalusia,

Alabama, after-the-fact change in control notice

by Charles H. Roland and Kimberly O. Roland,

Andalusia, Alabama, to retain 0.65 percent of

the outstanding shares of Southern National

Corporation and its subsidiary bank, Covington

County Bank, both of Andalusia, Alabama.

Total ownership is 14.29 percent.

SOUTHERN NATIONAL

CORPORATION

Newspaper:

Federal Register:

CIC

Not available

Southern National Corporation, Andalusia, 05/17/2006

Alabama, after-the-fact change in control notice

by John E. Vick, Andalusia, Alabama; Claire

Vick Leuenberger and Patricia Vick Moody,

Auburn, Alabama; and Amanda Lee Vick,

Decatur, Georgia, to retain 0.65 percent of the

outstanding shares of Southern National

Corporation and its subsidiary bank, Covington

County Bank, both of Andalusia, Alabama.

Total ownership is 14.29 percent.

SOUTHERN NATIONAL

CORPORATION

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

TriStar Bancshares, Inc., notice to become a

bank holding company by acquiring 100

percent of the outstanding shares of TriStar

Bank, both Dickson, Tennessee.

TriStar Bancshares, Inc.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 May 6, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 05/15/2006

05/19/2006

Alpha Bancorp, Inc., Chicago, Illinois, a

subsidiary of Metropoitan Bank Group, Inc.,

Chicago, Illinois, to acquire 100 percent of the

voting shares of Community Bank of DuPage

(in organization), Westmont, Illinois.

ALPHA BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by John A. Barker, Springfield, Illinois,

to retain more than 25 percent of the voting

shares of Barker Brothers Inc., Springfield,

Illinois, and thereby indirectly acquire

Middletown State Bank, Middletown, Illinois.

BARKER BROTHERS, INC.

Newspaper:

Federal Register:

* 3A1 05/08/2006

05/11/2006

Birmingham Bloomfield Bancshares, Inc.,

Birmingham, Michigan, to become a bank

holding company by acquiring 100 percent of

the voting shares of Bank of Birmingham (in

organization), Birmingham, Michigan.

BIRMINGHAM BLOOMFIELD

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 05/04/2006

a branch facility to be located at 3110 Crow

Canyon Place, San Ramon, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 329 N. Park

Avenue, Suite 150, Winter Park, Florida.

COMERICA BANK

Newspaper:

Federal Register:

* 3A1 Not available

05/19/2006

Gateway Banc Corp., Roscoe, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of Gateway

Community Bank, Roscoe, Illinois.

GATEWAY BANC CORP.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Peotone Bancorp, Inc., Peotone, Illinois,

Founders Group, Inc., Worth, Illinois, Terrapin

Bancorp, Inc., Elizabeth, Illinois, Rock River

Bancorporation, Inc., Oregon, Illinois, and

Legacy Integrity Group, Inc., Scottsdale,

Arizona, proposes to acquire 51 percent of the

voting shares of Berry-Shino Securities, Inc.,

Scottsdale, Arizona, and thereby to engage in

financial and advisory activities, securities

brokerage, and private placement services.

PEOTONE BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

05/24/2006

Notice by Harold Dean Westra, individually and

acting in concert with Greg Todd Westra, both

of Rock Valley, Iowa, to gain control of Premier

Holdings, Ltd., Rock Valley, Iowa, and thereby

indirectly Premier Bank, Rock Valley, Iowa.

PREMIER HOLDINGS, LTD

Newspaper:

Federal Register:

CIC Not available

05/17/2006

Notice by Larry C. Henson, Barbara K. Henson,

Trustee of the Barbara K. Henson Living Trust,

Michael R. Henson and the Barbara K. Henson

Living Trust, all of Davenport, Iowa and acting

as a group to become the largest shareholder of

River Valley Bancorp, Inc., Davenport, Iowa.

RIVER VALLEY BANCORP,

INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending May 6, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Rockford Bank and Trust Company, Rockford, 05/08/2006

Illinois, to establish a temporary branch facility

to be located at 1133 Quail Court, Suite 100,

Pewaukee, Wisconsin, and then within one year

to establish a permanent branch facility at 1215

Georgetowne Drive, Pewaukee, Wisconsin.

ROCKFORD BANK AND

TRUST COMPANY

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Southwest Bank of St. Louis, St. Louis,

Missouri, to merge with Missouri State Bank

and Trust Company, Clayton, Missouri, and

thereby to establish 8 branches.

SOUTHWEST BANK OF ST.

LOUIS

* 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 May 6, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Callaway Bank, Fulton, Missouri, to 05/19/2006

establish a branch facility to be located at 5600

Bull Run Drive, Columbia, Missouri.

CALLAWAY BANK, THE

Newspaper:

Federal Register:

CIC Not available

05/24/2006

Notice by J. Chester Porter, Shepherdsville,

Kentucky, and the William G. Porter Revocable

Trust, Sarasota, Florida, to increase control of

Porter Bancorp, Inc., Shepherdsville, Kentucky.

PORTER 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 May 6, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Plaza Park State Bank, Waite Park, Minnesota, 04/28/2006

to establish a branch at Northwest Professional

Center, 2351 Connecticut Avenue, Sartell,

Minnesota.

PLAZA PARK STATE BANK

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending May 6, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 05/29/2006

06/01/2006

Baltz Family Partners, Ltd., Parker, Colorado,

to become a bank holding company through the

retention of 100 percent of the voting shares of

United Banks of Colorado, Inc., parent of First

United Bank, N.A., both located in Englewood,

Colorado.

BALTZ FAMILY PARTNERSHIP

Newspaper:

Federal Register:

* 3A3 Not available

06/02/2006

BancFirst Corporation, Oklahoma City,

Oklahoma, to acquire 100 percent of the voting

shares of First Bartlesville Bank, Bartlesville,

Oklahoma.

BANCFIRST CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Hoffman, Inc., Arapahoe, Nebraska,

to acquire control of Central Bancshares, Inc.,

parent of First Central Bank, both in

Cambridge, Nebraska, and First Central Bank

McCook, McCook, Nebraska. Central

Bancshares, Inc., Cambridge, Nebraska, to

redeem 22.9 percent of its outstanding common

stock.

CENTRAL BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

05/12/2006

The Farmers State Bank of Fort Morgan,

Colorado Employee Stock Ownership Plan, to

acquire up to 38 percent of the voting shares of

FSB Bancorporation of Fort Morgan, Colorado,

parent of Farmers State Bank of Fort Morgan,

all in Fort Morgan, Colorado.

FARMERS STATE BANK OF

FORT MORGAN COLORADO

EMPLOYEE STOCK

OWNERSHIP PLAN, THE

Newspaper:

Federal Register:

* 3A3 05/22/2006

05/19/2006

First Fidelity Bancorp, Inc., Oklahoma City,

Oklahoma, to acquire 100 percent of the voting

shares of Apex Mortgage Company, parent of

Edmond Bank and Trust, both in Edmond,

Oklahoma.

FIRST FIDELITY BANCORP,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Option Bank, Osawatomie, Kansas, to 05/04/2006

retain branches at 502 Market Street, La Cygne,

Kansas, and 108 S. Broadway, Louisburg,

Kansas.

FIRST OPTION BANK

Newspaper:

Federal Register:

CIC Not available

05/16/2006

Notification filed by the following, as a group

acting in concert: The Biegert Family

Irrevocable Trust, Laramie, Wyoming, its

trustees, Larry R. Cox, Henderson, Nebraska,

and Judith Ackland, Geneva, Nebraska, and

Larry R. Cox, individually; Charles Flaming,

individually, and as owner of Sadle Cattle

Company, Inc., both of Paxton, Nebraska; Alan

Janzen, Christopher Vanderneck, Matthew D.

Siebert, Fredrick Regier, Arvid Janzen, and

Brian Janzen, all of Henderson, Nebraska;

Ronald Preheim, Aurora, Nebraska; Jeff

Pribbeno, Imperial, Nebraska; and Wesley

Kroeker, Enid, Oklahoma; to acquire control of

Henderson State Company, Henderson,

Nebraska, parent of Henderson State Bank,

Henderson, Nebraska.

HENDERSON STATE

COMPANY

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

Federal Reserve Bank of Kansas City

Filings received during the week ending May 6, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Quay Bank Corp., Albuquerque, New Mexico,

to become a bank holding company through the

acquisition of 100 percent of the voting shares

of High Desert State Bank, Albuquerque, New

Mexico.

QUAY BANK CORP.

Newspaper:

Federal Register:

CIC Not available

05/11/2006

Notification by Paul C. Bauman and Emily A.

Bauman, both of Tulsa, Oklahoma; and Henry

C. Bauman, III, Tyler, Texas, to acquire control

of United Capital Bancshares, Inc., Wyandotte,

Oklahoma, parent of Bank of Wyandotte,

Wyandotte, Oklahoma.

UNITED CAPITAL

BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending May 6, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Coastal Bancshares Acquisition Corp., Houston,

Texas, to become a bank holding company by

acquiring 100 percent of Intercontinental Bank

Shares Corporation, San Antonio, Texas, and

indirectly acquire Intercontinental Bank Shares

Corporation of Delaware, Wilmington,

Delaware and Intercontinental National Bank,

San Antonio, Texas.

COASTAL BANCSHARES

ACQUISITION CORP.

* 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 May 6, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

East West Bank, Pasadena, California, to 05/09/2006

establish a branch facility at 3237 E. Guasti

Road, Suites 110 and 130, Ontario, California.

EAST WEST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

East West Bank, Pasadena, California, to 05/09/2006

establish a branch facility at 19540 Jamboree

Road, Suite 150, Irvine, California.

EAST WEST BANK

Newspaper:

Federal Register:

* 3A1 05/07/2006

05/08/2006

Skagit State Bancorp to become a bank holding

company by acquiring 100 percent of Skagit

State Bank, both of Burlington, Washington.

SKAGIT STATE BANCORP

Newspaper:

Federal Register:

* 4c8 05/12/2006

05/26/2006

Sterling Financial Corporation, Spokane,

Washingtion, to acquire 100 percent of

Lynnwood Financial Group, and thereby

indirectly acquire Golf Savings Bank,and Golf

Escrow Corporation, all of Mountlake Terrace,

Washington, and thereby engage in providing

real estate settlement services.

STERLING FINANCIAL

CORPORATION

* 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