Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 5

Week Ending February 4, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions January 29, 2006 to February 4, 2006

Discount Rates

Discount and Advance Rates -- increase in the primary credit rate from 5-1/4 

percent to 5-1/2 percent by the Federal Reserve Banks of Boston, New York, 

Philadelphia, Cleveland, Richmond, Atlanta, Chicago, St. Louis, Kansas City, 

Dallas, and San Francisco.

- Approved, January 31, 2006 

Discount and Advance Rates -- increase in the primary credit rate from 5-1/4 

percent to 5-1/2 percent by the Federal Reserve Bank of Minneapolis.

- Approved, February 2, 2006 

Regulations And Policies

External Auditor Liability -- interagency advisory on safety and soundness concerns 

that may arise when financial institutions agree to limit their external auditors' 

liability.

- Approved, January 30, 2006 

Risk-based Capital Standards -- final rule to revise the risk-based capital treatment 

for cash collateral posted in connection with securities borrowing transactions 

(Docket No. R-1087).

- Approved, February 2, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
January 29, 2006 to February 4, 2006

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

1st Pacific Bank of California, San Diego, California -- to establish a branch at 169 

East Main Street, El Cajon.

- Approved, January 30, 2006 

San Francisco

First Community Bank, Taos, New Mexico -- to establish a branch at 4582 South 

Ulster Street, Suite 650, Denver, Colorado.

- Approved, February 1, 2006 

Secretary

Johnson Bank, Racine, Wisconsin -- to establish a branch at 119 Martin Luther 

King, Jr. Boulevard, Madison.

- Approved, January 30, 2006 

Chicago

Johnson Bank, Racine, Wisconsin -- to establish a branch at 1916 Wisconsin 

Avenue.

- Approved, February 3, 2006 

Chicago

Regions Bank, Birmingham, Alabama -- to establish a branch in the 300 block of 

Hester Drive, Harrison, Arkansas.

- Approved, January 30, 2006 

Atlanta

Southern Community Bank and Trust, Winston-Salem, North Carolina -- to 

establish a branch at 2626 Glenwood Avenue, Raleigh.

- Approved, February 1, 2006 

Richmond

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 1735 South Park Street, 

Carrollton.

- Approved, January 30, 2006 

Secretary

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority January 29, 2006 to February 4, 2006

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 11201 Nuckols Road, 

Glen Allen, Virginia.

- Approved, February 2, 2006 

Secretary

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 1450 Johns Lake Road, 

Clermont, Florida.

- Approved, February 2, 2006 

Secretary

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 8700 University Place 

Executive Park Drive, Charlotte, North Carolina.

- Approved, February 2, 2006 

Secretary

Bank Holding Companies

America West Bank Members, LC, Layton, Utah -- relief from certain commitments.

- Granted, February 2, 2006 

San Francisco

Bay View Capital Corporation, San Mateo, California -- to become a bank holding 

company and to acquire Great Lakes Bancorp, Buffalo, New York, and Greater 

Buffalo Savings Bank.

- Approved, January 30, 2006 

New York

Beulah Bancorporation, Inc., Sioux Falls, South Dakota -- to acquire Valley Bank & 

Trust, Mapleton, Iowa.

- Approved, February 3, 2006 

Minneapolis

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

become a mutual bank holding company and a stock bank holding company, 

respectively, and to acquire Butler Bank.

- Approved, February 3, 2006 

Boston

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority January 29, 2006 to February 4, 2006

Bank Holding Companies

Cullen/Frost Bankers, Inc., San Antonio, Texas -- to acquire Alamo Corporation of 

Texas, Alamo; Alamo Corporation of Delaware, Wilmington, Delaware; and Alamo 

Bank of Texas, Alamo.

- Approved, February 3, 2006 

Secretary

Illinois Bancshares, Inc., Karnak, Illinois -- to become a bank holding company and 

to acquire 96.5 percent of the shares of The First State Bank of Grand Chain, Grand 

Chain.

- Withdrawn, February 2, 2006 

St. Louis

Mesquite Financial Services, Inc., Alice, Texas -- to acquire Nichols Bancshares, 

Inc., Kenedy, and thereby acquire JM Nichols, Wilmington, Delaware, and FirstNichols National Bank, Kenedy.

- Approved, February 1, 2006 

Dallas

Mid-Iowa Bancshares Co., Algona, Iowa -- to engage in extending credit and 

servicing loans.

- Approved, February 3, 2006 

Chicago

New York Community Bancorp, Inc., Westbury, New York -- commenter's request 

to extend the comment period on the application to acquire Long Island Financial 

Corp., Islandia.

- Denied, February 3, 2006 

Secretary

Norton Bankshares, Inc., Norton, Kansas -- waiver of application to merge with 

First Bancshares of Hoxie, Inc., Hoxie, in connection with the merger of their 

subsidiaries, First National Bank of Hoxie and First State Bank, Norton.

- Withdrawn, January 31, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority January 29, 2006 to February 4, 2006

Bank Holding Companies

Pinnacle Financial Partners, Inc., Nashville, Tennessee -- to acquire Cavalry 

Bancorp, Inc., Murfreesboro, and Cavalry Banking.

- Approved, February 3, 2006 

Secretary

Tonganoxie Bankshares, Inc., Tonganoxie, Kansas -- to acquire 53 percent of the 

shares of Overbrook Bankshares, Inc., Overbrook, parent of First Security Bank.

- Approved, February 2, 2006 

Kansas City

Upper Cumberland Bancshares, Inc., Byrdstown, Tennessee, and Employee Stock 

Ownership Trust of People's Bank and Trust Company of Pickett County -- to 

acquire People's Bank and Trust Company of Clinton County, Albany, Kentucky, a 

de novo bank.

- Withdrawn, January 30, 2006 

Atlanta

Wells Fargo & Company, San Francisco, California -- to acquire Martinius 

Corporation, Rogers, Minnesota, and its subsidiary, State Bank of Rogers.

- Approved, January 30, 2006 

Secretary

Bank Premises

Citizens Bank and Trust Company, Blackstone, Virginia -- to increase its 

investment in bank premises.

- Approved, February 1, 2006 

Richmond

Change In Bank Control

CGD USA Holding Company, Inc., New York, New York -- change in bank control.

- Withdrawn, February 3, 2006 

New York

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority January 29, 2006 to February 4, 2006

Change In Bank Control

Citizens Bankshares of Springhill, Inc., Springhill, Louisiana -- to retain control of 

Citizens Bankshares of Springhill, Inc.

- Permitted, February 1, 2006 

Dallas

New Richmond Bancorporation, New Richmond, Ohio -- change in bank control.

- Permitted, January 30, 2006 

Cleveland

Competitive Factors Reports

Bridgewater Savings Bank, Raynham, Massachusetts -- report on competitive 

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

liabilities of the Carver branch of South Coastal Bank, Rockland.

- Submitted, January 30, 2006 

Boston

Citizens Business Bank, Ontario, California -- report on competitive factors of the 

proposed merger with Golden West Enterprises, Inc., Costa Mesa.

- Submitted, January 31, 2006 

Secretary

Citizens Business Bank, Ontario, California -- report on competitive factors of the 

proposed merger with Community Trust Deed Services, Colton.

- Submitted, January 31, 2006 

Secretary

Santa Lucia Bank, Atascadero, California -- report on competitive factors of the 

proposed merger with Santa Lucia Merger Corp.

- Submitted, January 31, 2006 

San Francisco

Security State Bank of North Dakota, Hannaford, North Dakota -- report on 

competitive factors of the proposed merger with Centennial National Bank, Walker, 

Minnesota.

- Submitted, February 1, 2006 

Minneapolis

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority January 29, 2006 to February 4, 2006

Competitive Factors Reports

Skylands Community Bank, Hackettstown, New Jersey -- report on competitive 

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

liabilities of the Hope branch of Lakeland Bank, Newfoundland.

- Submitted, February 2, 2006 

New York

Texas Bank and Trust Company, Longview, Texas -- report on competitive factors 

of the proposed acquisition of the Terrell branch of NexBank, SSB, Dallas.

- Submitted, February 2, 2006 

Dallas

Extensions Of Time

Citibank, N.A., New York, New York -- extension of time for its subsidiaries, 

Citibank Overseas Investment Corporation, New Castle, Delaware, and Citicorp 

Finance (Thailand) Limited, Bangkok, Thailand, to divest their interests in certain 

properties acquired in settlement of debts previously contracted.

- Granted, February 1, 2006 

Secretary

Financial Holding Companies

South Valley Bancorp, Inc., Klamath Falls, Oregon -- election to become a financial 

holding company.

- Effective, February 3, 2006 

San Francisco

Regulations And Policies

Short-term Interest Rates -- increase in the target for the federal funds rate from 4-

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

- Approved, January 31, 2006 

FOMC

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

Federal Reserve Bank of Boston

Filings received during the week ending February 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 02/27/2006

Application by Wessagussett Mutual Holding

Company and Wessagussett Bancorp, Inc.,

both of Weymouth, Massachusetts, to become a

mutual bank holding company and a stock

bank holding company, respectively

(collectively, the Applicants), by acquiring

Weymouth Bank, Weymouth, Massachusetts,

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

Bank Holding Company Act of 1956, as

amended.

Wessagussett Mutual Holding

Company

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 February 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

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 February 4, 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 February 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 February 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

5B Not applicable

Not applicable

Bank of America, N.A., Charlotte, North

Carolina, to establish a bank service company

to engage in leasing activities.

BANK OF AMERICA,

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of the James, Lynchburg, Virginia, 02/28/2006

proposes to establish a branch at 4935

Boonsboro Road, Suite C, Lynchburg,

Virginia.

BANK OF THE JAMES

Newspaper:

Federal Register:

* 3A5

4c8 Not available

FNB Corp., Asheboro, North Carolina, to 01/23/2006

acquire 100% of Integrity Financial

Corporation, Hickory, North Carolina, and

thereby indirectly acquire First Gaston Bank of

North Carolina, Gastonia, North Carolina

(prior to the acquisition, Integrity Financial

Corporation's other existing banking

subsidiary, Catawba Valley Bank, Hickory,

North Carolina, would be merged with and

into First Gaston Bank of North Carolina).

FNB Corp. also proposes to acquire Integrity

Financial Corporation's nonbanking

subsidiaries, Integrity Securities, Inc., and

Community Mortgage Corporation of North

Carolina, both of Hickory, North Carolina.

FNB CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

Four Oaks Bank & Trust Company, Four Oaks, 02/16/2006

North Carolina, proposes to establish a branch

at 1100 South Horner Boulevard, Sanford,

North Carolina.

FOUR OAKS BANK & TRUST

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Four Oaks Bank & Trust Company, Four Oaks, 02/16/2006

North Carolina, proposes to establish a branch

at 130 North Arendell Avenue, Zebulon, North

Carolina.

FOUR OAKS BANK & TRUST

COMPANY

Newspaper:

Federal Register:

* 18C

Not applicable

Waccamaw Bank, Whiteville, North Carolina, 02/17/2006

to merge with The Bank of Heath Springs,

Heath Springs, South 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 February 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

AmSouth Bank, Birmingham, Alabama, to 02/10/2006

establish branches at the following locations:

5420 U.S. Highway 280, Birmingham,

Alabama, to be known as the Greystone

Branch; Main Street at Lakewood Ranch,

Bradenton, Florida, to be known as the South

Lakewood Ranch Branch; 6221 14th Street,

Bradenton, Florida, to be known as the

Bayshore Gardens, Branch; Argyle Forest

Boulevard, between Old Middleburt Road and

Brannon Field Road, Jacksonville, Florida, to

be known as the Argyle Forest Branch; the

intersection of Dairy and New Haven,

Melbourne, Florida, to be known as the

Highway 192 Branch; 763 East 3rd Avenue,

New Smyrna Beach, Florida, to be known as

the New Smyrna Beach East Branch; and the

convergence of Kings Highway, Peachland

Boulevard and Veterans Boulevard, Port

Charlotte, Florida, to be known as the Kings

Highway Branch.

AMSOUTH BANK

Newspaper:

Federal Register:

* Branch

Not applicable

AmSouth Bank, Birmingham, Alabama, to 02/14/2006

establish branches at the following locations:

the intersection of Highway 225 and Highway

31, Spanish Fort, Alabama, to be known as the

Spanish Fort Branch; the intersection of South

Florida Avenue and County Road 540A,

Lakeland, Florida, to be known as the South

Lakeland - Eaglebrook Branch; the intersection

of Radio Road and Santa Barbara Boulevard,

Naples, Florida, to be known as the Santa

Barbara Branch; at Units 5204, 5206 Ocean

Boulevard, Sarasota, Florida, to be known as

the Siesta Key Branch; the intersection of Big

Bend Road and US Highway 301, Riverview,

Florida, to be known as the Big Bend/301

Branch; the intersection of US 19 (34th Street

South) and 34th Avenue, St. Petersburg,

Florida, to be known as the Southeast St.

Petersburg Branch; 101 Office Park Drive,

Brandon, Mississippi, to be known as the

Spillway Road Branch; the intersection of

Courthouse Road and 33rd Street, Gulfport,

Mississippi, to be known as the Courthouse

Road Branch; 2615 Old Fort Parkway,

Murfreesboro, Tennessee, to be known as the

Old Fort Parkway Branch; and the intersection

of Memorial Parkway and Lokey Avenue,

Murfreesboro, Tennessee, to be known as the

Broad Street Branch.

AMSOUTH BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First American Bank, Decatur, Alabama, to 02/15/2006

establish a branch located at 27453 Capshaw

Road, Athens, Alabama, to be known as the

East Limestone Branch.

FIRST AMERICAN BANK

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

Federal Reserve Bank of Atlanta

Filings received during the week ending February 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Peoples Bancshares of TN, Inc., Madisonville,

Tennessee, notice to become a bank holding

company by acquiring Peoples Bank of East

Tennessee, Madisonville, Tennessee.

PEOPLES BANCSHARES OF

TN, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 01/28/2006

establish a branch located at 6700 Block Pines

Road, Huntington, Place, Shreveport,

Louisiana.

REGIONS BANK

Newspaper:

Federal Register:

* 3A5 03/01/2006

02/27/2006

Seacoast Banking Corporation of Florida,

Stuart, Florida, to merge with Big Lake

Financial Corporation, and thereby acquire its

subsidiary, Big Lake National Bank, both of

Okeechobee, Florida.

SEACOAST BANKING

CORPORATION OF FLORIDA

Newspaper:

Federal Register:

CIC Not available

Not available

Southeastern Bank Financial Corporation,

Augusta, Georgia, after-the-fact change in

control notification filed by the Pollard Family

Group (Jennie Floyd Pollard, Robert W.

Pollard, Jr., Zachary Duncan Pollard, Ann

Elizabeth Pollard, Richard Daniel Blanton,

Patricia Pollard Blanton, Thomas Vinson

Blanton, II, Jennie Briggs Blanton, Clayton

Edward Blanton, Lee Blanton West, Levi

Anderson Pollard, V, Levi Anderson Pollard,

VI, Lucy Ann Pollard, Pollard Land Company,

and RWP Sr. Enterprises, LLLP, Robert W.

Pollard, Jr., general partner, all of Appling,

Georgia, and Robert William Pollard, III,

Evans, Georgia, Richard Daniel Blanton, Jr.,

Carrollton, Georgia, and Lynn Pollard

Nickerson and Paul Rush Battle, both of

Atlanta, Georgia, to retain 47.9 percent of

Southeastern Bank Financial Corporation, and

its subsidiary bank, Georgia Bank & Trust,

both of Augusta, Georgia.

SOUTHEASTERN BANK

FINANCIAL CORPORATION

Newspaper:

Federal Register:

CIC 02/12/2006

02/15/2006

SunSouth Bancshares, Inc., Dothan, Alabama,

prior change in control notice filed by Mr.

Michael A. Medley, Dothan, Alabama, to

acquire an additional 12.13 percent of the

outstanding shares of SunSouth Bancshares,

Inc., and its subsidiary, SunSouth Bank, both

of Dothan, Alabama.

SUNSOUTH BANCSHARES,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 02/10/2006

a branch located at 872 Highway 96, Warner

Robins, Georgia, to be known as the Houston

Crossing Office.

SUNTRUST BANK

* 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 February 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 12/12/2005

02/21/2006

Notice by Jill Kollock, Bancroft, Wisconsin, as

an individual and as trustee for the Judd

Family Trust and the Jean Judd OTIP Marital

Trust 1; Christopher Kollock, as an individual;

and Jill and Christopher Kollock, together with

Jan and William Weisenbeck, as a group

acting in concert, to retain control of Bancroft

State Bancshares, Inc., Bancroft, Wisconsin,

and thereby indirectly Bancroft State Bank,

Bancroft, Wisconsin.

BANCROFT STATE

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

02/06/2006

Capitol Bancorp, Ltd., Lansing, Michigan, to

acquire 51 percent of the voting shares of Bank

of Valdosta (in organization), Valdosta,

Georgia.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

02/16/2006

FBOP Corporation, Oak Park, Illinois, to

acquire greater than 50 percent of the voting

shares of Community Bank of Lemont,

Lemont, Illinois.

FBOP CORPORATION

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

02/07/2006

02/10/2006

First Midwest Bancorp, Inc., Itasca, Illinois, to

acquire 100 percent of the voting shares of

Bank Calumet, Inc., Hammond, Indiana, and

thereby indirectly acquire Bank Calumet,

National Association, Hammond, Indiana, and

by First Midwest Bank, Itasca, Illinois, to

merge with Bank Calumet, National

Association, Hammond, Indiana, and thereby

to establish 31 branches.

FIRST MIDWEST BANCORP,

INC.

Newspaper:

Federal Register:

* 4c8 Not available

03/06/2006

Mainsource Financial Group, Inc., Greensburg,

Indiana, to acquire 100 percent of the voting

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

and thereby operate a savings association.

MAINSOURCE FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 4c8 Not available

MainSource Financial Group, Inc.,

Greensburg, Indiana, to merge with Peoples

Ohio Financial Corporation, Troy, Ohio, and

thereby indirectly acquire with Peoples Savings

Bank of Troy, Troy, Ohio, and thereby operate

a savings association.

MAINSOURCE FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* 4c8 02/27/2006

02/21/2006

Marquette National Corporation, Chicago,

Illinois, to acquire 100 percent of the voting

shares of Hemlock Federal Financial

Corporation, Oak Forest, Illinois, and thereby

indirectly acquire Hemlock Federal Bank for

Savings, Oak Forest, Illinois, and thereby

operate a savings association.

MARQUETTE NATIONAL

CORPORATION

Newspaper:

Federal Register:

* 3A5 02/21/2006

02/21/2006

Marshall & Ilsley Corporation, Milwaukee,

Wisconsin, to acquire 100 percent of the voting

shares of Trustcorp Financial, Inc., St. Louis,

Missouri, and thereby indirectly acquire

Missouri State Bank and Trust Company,

Clayton, Missouri.

MARSHALL & ILSLEY

CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 02/10/2006

01/10/2006

Notice by Jay Elliot Bell, Chicago, Illinois, to

retain control of 79.6 percent of Rochester

State Bankshares, Inc., Rochester, Illinois, and

thereby retain indirect control of Rochester

State Bank, Rochester, Illinois.

ROCHESTER STATE

BANKSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

03/03/2006

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

merge with Pelican Financial, Inc., Ann Arbor,

Michigan, and thereby indirectly acquire

Pelican National Bank, Naples, Florida.

STARK BANK GROUP, LTD.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

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

engaged de novo in Management consulting

and counseling activities, pursuant to Section

225.28(b)(9) of Regulation Y.

STARK BANK GROUP, LTD.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

41647 FIRST BKG CTR, BURLINGTON, WISCONSIN 09/06/2005 01/26/2006 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St.Louis

Filings received during the week ending February 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 February 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/03/2006

02/03/2006

Watford City Bancshares, Inc., Watford City,

North Dakota, to acquire 100 percent of Elgin

Bancshares, Inc., Elgin, North Dakota and

thereby indirectly acquire Farmers State Bank,

Elgin, North Dakota.

WATFORD CITY

BANCSHARES, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 February 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

03/02/2006

First Fidelity Bancorp, Inc., Oklahoma City,

Oklahoma, to acquire 100 percent of the voting

shares of First Fidelity Bank, N.A., Phoenix,

Arizona (in organization).

FIRST FIDELITY BANCORP,

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First State Bank, Lincoln, Nebraska, to merge

with Bank of Yutan, Yutan, Nebraska, and

incident thereto, to establish a branch.

FIRST STATE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Five Points Bank, Grand Island, Nebraska, to 02/09/2006

establish a mobile branch to be located at 2015

North Broadwell, Grand Island, Nebraska.

FIVE POINTS BANK

Newspaper:

Federal Register:

CIC 02/15/2006

02/15/2006

Notice by Richard A. Jensen, WaKeeney,

Kansas, as trustee of the Jonathan D. Berkley

GST Trust, the Brian J. Berkley GST Trust,

and the Renee A. Berkley GST Trust, all in

Stockton, Kansas, to acquire control of

Stockton Bancshares, Inc., parent of Stockton

National Bank, both in Stockton, Kansas;

Farmers & Merchants Bank of Hill City, Hill

City, Kansas; and Trego-WaKeeney State

Bank, WaKeeney, Kansas.

STOCKTON 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 February 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 February 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8

4c8

01/28/2006

02/17/2006

Cathay General Bancorp, Los Angeles,

California, to acquire up to 14.9 percent of the

voting shares of Broadway Financial

Corporation, Los Angeles, California, and

thereby indirectly acquire voting shares of: 1)

Broadway Federal Bank, FSB, Los Angeles,

California, and thereby engage in operating a

savings association, pursuant to section

225.28(b)(4)(ii) of Regulation Y, and; 2)

Broadway Financial Funding LLC, Los

Angeles, California, and thereby engage in

extending credit and servicing loans pursuant

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

CATHAY GENERAL

BANCORP

Newspaper:

Federal Register:

* Branch

Not applicable

County Bank, Merced, California, to establish 02/06/2006

a branch facility at 2033 Gateway Place, 6th

Floor, San Jose, California.

COUNTY BANK

Newspaper:

Federal Register:

* 18C

* 5D3

* Branch

Not applicable

East West Bank, San Marino, California, to 02/10/2006

merge with Standard Bank, F.S.B, Monterey

Park, California, and thereby acquire six

branch offices of Standard Bank, all located in

California.

EAST WEST BANK

Newspaper:

Federal Register:

CIC Not available

02/22/2006

Notice by Lanza Family Group, consisting of

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

Lanza Trust, Roy and Sondra Lanza Family

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

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

Street Ventures, LLC, all of Marysville,

California, to increase their ownership of Gold

Country Financial Services, Inc., and thereby

indirectly increase their ownership of Gold

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

California.

GOLD COUNTRY FINANCIAL

SERVICES, INC.

* 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