Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 2

Week Ending January 14, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions January 8, 2006 to January 14, 2006

Advisory Councils

Consumer Advisory Council -- appointment of ten new members and designation of 

Lori Swanson as Chair and Lisa Sodeika as Vice Chair for 2006.

- Announced, January 9, 2006 

Bank Holding Companies

The Toronto-Dominion Bank, Toronto, Canada, and TD Banknorth Inc., Portland, 

Maine -- to acquire Hudson United Bancorp, Mahwah, New Jersey, and Hudson 

United Bank.

- Approved, January 12, 2006 

Regulations And Policies

Commercial Real Estate and Risk-Management Practices -- publication for 

comment of the proposed Interagency Guidance on Concentrations in Commercial 

Real Estate and Sound Risk-Management Practices.

- Approved, January 9, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
January 8, 2006 to January 14, 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

Bank of Little Rock, Little Rock, Arkansas -- to establish a branch at 1201 Rahling 

Road.

- Approved, January 11, 2006 

St. Louis

BCBank, Inc., Philippi, West Virginia -- to establish a branch at 936 East Park 

Avenue, Fairmont.

- Approved, January 10, 2006 

Richmond

County Bank, Merced, California -- to establish a branch at the southeast corner of 

Herndon and Fowler Avenues, Clovis.

- Approved, January 11, 2006 

San Francisco

Farmers and Merchants Bank of Long Beach, Long Beach, California -- to establish 

a branch at 4695 MacArthur Court, Suites 130 and 150, Newport Beach, and to 

increase its investment in bank premises.

- Approved, January 10, 2006 

San Francisco

The First Bank and Trust Company, Lebanon, Virginia -- to establish a branch at 

150 Peppers Ferry Road, Christiansburg.

- Approved, January 12, 2006 

Richmond

Great American Bank, De Soto, Kansas -- to establish branches at Barry and Green 

Hills Roads, Kansas City, Missouri, and Dean Avenue and Highway 58, Raymore.

- Approved, January 12, 2006 

Kansas City

Interchange Bank, Saddle Brook, New Jersey -- to establish a branch at 8901 

Bergenline Avenue, North Bergen.

- Approved, January 13, 2006 

New York

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority January 8, 2006 to January 14, 2006

Bank Branches, Domestic

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 11200 Racetrack Road, Berlin, Maryland.

- Approved, January 10, 2006 

New York

Mid America Bank & Trust Company, Dixon, Missouri -- to establish a branch at 

960 South Bishop, Rolla.

- Approved, January 10, 2006 

St. Louis

Bank Holding Companies

Banco Santander Central Hispano, S.A., Madrid, Spain -- commenter's request to 

extend the comment period on the application to acquire up to 24.99 percent of the 

shares of Sovereign Bancorp, Inc., Philadelphia, Pennsylvania, and thereby 

indirectly acquire Independence Community Bank Corp., Brooklyn, New York, and 

Independence Community Bank.

- Granted, January 10, 2006 

Secretary

BankFinancial Corporation, Burr Ridge, Illinois -- waiver of application to become 

a bank holding company and to acquire University National Bank, Chicago.

- Granted, January 13, 2006 

Chicago

Chickasha Bancshares, Inc., Chickasha, Oklahoma -- to engage in mortgage loan 

activities through its subsidiaries, Chickasha Bank & Trust Company and Washita 

Mortgage, Inc., through the formation of Washita Mortgage Solutions, LLC, 

Lawton; and for Commerce Bancorp, Inc., Duncan, to engage in mortgage loan 

activities through its subsidiary, Bank of Commerce, through the formation of 

Washita Mortgage Solutions, LLC.

- Approved, January 10, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority January 8, 2006 to January 14, 2006

Bank Holding Companies

Community Partners Bancorp, Middletown, New Jersey -- to become a bank 

holding company and to acquire Two River Community Bank, Middletown, and 

The Town Bank, Westfield.

- Approved, January 13, 2006 

New York

FBOP Corporation, Oak Park, Illinois -- to acquire 28.26 percent of the shares of 

Community Bank of Lemont, Lemont.

- Withdrawn, January 9, 2006 

Chicago

First Federal Bancorp, Columbia, Mississippi -- to become a bank holding company 

on the conversion of its thrift subsidiary, First Federal Bank for Savings to a state 

nonmember bank.

- Approved, January 10, 2006 

Atlanta

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- request for an 

exemption under the Depository Institution Management Interlocks Act and 

Regulation L.

- Granted, January 13, 2006 

Cleveland

Rabobank Nederland B.V., Utrecht, the Netherlands; Rabobank International 

Holdings B.V.; Utrecht-America Holdings, New York, New York; and VIB 

Corporation, El Centro, California -- to acquire Central Coast Bancorp, Salinas, and 

Community Bank of Central California.

- Approved, January 13, 2006 

New York

The Savannah Bancorp, Inc., Savannah, Georgia -- to acquire Harbourside 

Community Bank, Hilton Head, South Carolina, and thereby engage in operating a 

savings association.

- Approved, January 9, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority January 8, 2006 to January 14, 2006

Bank Holding Companies

TrustCo Bank Corp NY, Glenville, New York -- to become a bank holding 

company and to acquire Ballston Spa Bancorp, Inc., Ballston Spa, and Ballston Spa 

National Bank; and to engage in certain nonbanking activities through the retention 

of its subsidiary, TrustCo Bank.

- Withdrawn, January 10, 2006 

New York

United Bancorporation of Wyoming, Inc., Jackson, Wyoming -- to acquire First 

National Bank Holding Company, Inc., Pinedale, and thereby acquire First National 

Bank of Pinedale.

- Approved, January 12, 2006 

Kansas City

Bank Premises

Bank of Little Rock, Little Rock, Arkansas -- to increase its investment in bank 

premises.

- Approved, January 11, 2006 

St. Louis

Competitive Factors Reports

American Banking Company, Moultrie, Georgia -- report on competitive factors of 

the proposed merger with First Bank of Brunswick, Brunswick; and First National 

Bank, Orange Park, Florida.

- Submitted, January 12, 2006 

Atlanta

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

competitive factors of the proposed merger with Banc One Financial Services, Inc.

- Submitted, January 12, 2006 

New York

Pulaski Bank, Creve Coeur, Missouri -- report on competitive factors of the 

proposed merger with Central West End Bank, FSB, St. Louis.

- Submitted, January 9, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority January 8, 2006 to January 14, 2006

Competitive Factors Reports

United Community MHC, Lawrenceburg, Indiana -- report on competitive factors 

of the proposed acquisition of United Community Bank.

- Submitted, January 11, 2006 

Chicago

United States Trust Company of New York, New York, New York -- report on 

competitive factors of the proposed conversion to a national banking association 

and merger with U.S. Trust Company, National Association, Greenwich, 

Connecticut.

- Submitted, January 11, 2006 

New York

Extensions Of Time

Arvest Bank, Fayetteville, Arkansas -- extension to January 31, 2006, to establish a 

branch at the intersection of Northeast Flowermound Road and Gore Boulevard, 

Lawton, Oklahoma.

- Granted, January 12, 2006 

St. Louis

Oswego Community Bank Employee Stock Ownership Plan, Oswego, Illinois -- 

extension to April 8, 2006, to increase its ownership from 35.98 percent to 51 

percent of Oswego Bancshares, Inc. and thereby acquire Oswego Community Bank.

- Granted, January 9, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending January 14, 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 incorporate its existing

Boston and New York representative offices.

ANGLO IRISH BANK

CORP.,PLC

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 02/06/2006

Meridian Interstate Bancorp, Inc., East Boston,

Massachusetts, to become a mid-tier stock

bank holding company of Meridian Financial

Services, Inc., East Boston, Massachusetts, by

acquiring East Boston Savings Bank, East

Boston, Massachusetts, pursuant to sections

3(a)(1) and 3(a)(3)

MERIDIAN INTERSTATE

BANCORP, INC

* 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 January 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 01/26/2006

Buffalo, New York, requests approval to

establish a limited branch office to be located

at Dunbar Armored Cash Vault Services, 505

Duke Road, Cheektowaga, Erie County, New

York.

MANUFACTURERS AND

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 01/27/2006

New York Community Bancorp, Inc. and its

wholly- owned subsidiary, New York

Community Newco, Inc., both of Westbury,

NY, to acquire 100 percent of Atlantic Bank of

New York, New York, NY, pursuant to

Sections 3(a)(3) and 3(a)(1) of the BHC Act.

NEW YORK COMMUNITY

BANCORP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

01/30/2006

Rabobank International Holding B.V., Utrecht,

The Netherlands, Utrecht-American Holdings,

Inc., New York, New York, and VIB Corp, El

Centro, California, for prior approval of the

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

Holding Company Act of 1956, as amended, to

acquire several loans in connection with the

acquisition of Central Coast Bancorp, Salinas,

California.

RABOBANK INTERNATIONAL

HOLDING B.V.

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 January 14, 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 January 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Application by Fifth Third Bank, Grand

Rapids, Michigan to establish a bank branch at

4801 Norton Healthcare Boulevard, Louisville,

Kentucky

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Application by Fifth Third Bank, Grand

Rapids, Michigan to establish a bank branch at

11511 State Road 82, Ft. Meyers, Florida

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 3A5 01/30/2006

01/30/2006

National City Corporation, Cleveland, Ohio to

acquire Forbes First Financial Corporation,St.

Louis, Missouri

NATIONAL CITY

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

381026 TWIN VALLEY BK, WEST ALEXANDRIA, OHIO 10/24/2005 12/22/2005 S Small Bank

645625 WESBANCO BK, WHEELING, WEST VIRGINIA 08/01/2005 01/04/2006 O Large Bank

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 January 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

4c8

02/09/2006

02/13/2006

BB&T Corporation, Winston-Salem, North

Carolina, to acquire 100% of the voting

securities of Main Street Banks, Inc., Atlanta,

Georgia, and thereby indirectly acquire Main

Street Bank, Covington, Georgia, and engage

in data processing activities.

BB&T CORPORATION

Newspaper:

Federal Register:

* 3A5

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

Highlands Union Bank, Abingdon, Virginia, to 01/24/2006

establish a branch facility to be located at 113

Hardin Lane, Sevierville, Tennessee.

HIGHLANDS UNION BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Commerce Bank, Arlington, Virginia, 01/23/2006

proposes to establish a branch at Ryan Center

Drive & Yukon Drive, Ashburn, Virginia.

VIRGINIA COMMERCE 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 January 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

972237 TRANSATLANTIC BK, MIAMI, FLORIDA 09/12/2005 11/10/2005 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending January 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Member 01/03/2006

AJJ Bancorp, Inc., Elkader, Iowa, to acquire

100 percent of the voting shares of Corridor

State Bank (in organization), Coralville, Iowa,

and for Corridor State Bank (in organization),

Coralville, Iowa, to become a member in the

Federal Reserve System.

AJJ BANCORP, 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:

* 3A1 Not available

02/10/2006

Exchange Financial, Inc., Adair, Iowa, to

become a bank holding company by acquiring

100 percent of Exchange State Bank, Adair,

Iowa.

Exchange Financial, Inc.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

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 Not available

* 18C

* Branch

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:

* 18C Not available

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee,

Wisconsin, to merge with Gold Bank,

Leawood, Kansas, and thereby establish 33

branches.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* 4c8

* 3A3

12/09/2005

12/19/2005

MainSource Financial Group, Inc.,

Greensburg, Indiana, to acquire 100 percent of

the voting shares of Union Community

Bancorp, Crawfordsville, Indiana, and thereby

indirectly acquire Union Federal Savings and

Loan Association, Crawfordsville, Indiana.

The Savings Association will merge into

MainSource Bank-Crawfordsville, a newly

formed Indiana state-chartered commercial

bank.

MAINSOURCE FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Paramount Bank, Farmington Hills, Michigan, 01/21/2006

to establish a branch facility to be located at

22635 Woodward Avenue, Ferndale,

Michigan.

PARAMOUNT BANK

Newspaper:

Federal Register:

CIC Not available

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.

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

Federal Reserve Bank of Chicago

Filings received during the week ending January 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/31/2006

Notice by Renee A. Brouwer and William R.

Brouwer, both of Oak Lawn, Illinois, to retain,

as a group acting in concert, 10 percent or

more of the outstanding voting shares of

TeamCo., Inc., Oak Lawn, Illinois, and thereby

indirectly retain control of Oak Lawn Bank,

Oak Lawn, Illinois, and the related notice by

Renee A. Brouwer, to individually retain 10

percent or more of the outstanding voting

shares of TeamCo., Inc., Oak Lawn, Illinois,

and thereby indirectly retain control of Oak

Lawn Bank, Oak Lawn, Illinois.

TEAMCO, INC.

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Wintrust Financial Corporation, Lake Forest,

Illinois, to acquire 100 percent of the

outstanding stock of Hinsbrook Bancshares,

Inc., Willowbrook, Illinois, and thereby

acquire Hinsbrook Bank and Trust,

Willowbrook, Illinois.

WINTRUST FINANCIAL

CORPORATION

* 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

913940 FIFTH THIRD BK, GRAND RAPIDS, MICHIGAN 07/05/2005 12/01/2005 O Large Bank

2119773 HINSDALE B&TC, HINSDALE, ILLINOIS 06/06/2005 12/19/2005 S Large Bank

224749 KNISELY BK, BUTLER, INDIANA 09/26/2005 01/10/2006 S Small 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 January 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

02/10/2006

First National Bancorp, Inc., Green Forest,

Arkansas ("Bancorp"), to acquire additional

shares of Legacy National Bank, Springdale,

Arkansas ("Bank"). The acquisition will result

in Bancorp retaining ownership of up to 9.99

percent of Bank's stock.

FIRST NATIONAL BANCORP,

INC.

Newspaper:

Federal Register:

* 3A1 01/27/2006

02/02/2006

M&P Community Bancshares, Inc. 401(k)

Employee Stock Ownership Plan, Newport,

Arkansas, to become a bank holding company

by acquiring an additional 1.63 percent for

total ownership of 26.58 percent of M&P

Community Bancshares, Inc., Newport,

Arkansas, and thereby indirectly acquire

Greers Ferry Lake State Bank, Heber Springs,

Arkansas, and Merchants & Planters Bank,

Newport, Arkansas. Also elects to become a

financial holding company. 

M&P COMMUNITY

BANCSHARES, INC. 401(K)

EMPLOYEE STOCK

OWNERSHIP PLAN

* 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

966348 SIMMONS FIRST BK, SEARCY, ARKANSAS 09/26/2005 01/09/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending January 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/20/2006

01/20/2006

BlackRidge Financial, Inc., Fargo, North

Dakota, to become a bank holding company by

acquiring 100 percent of Valley Bancshares,

Inc., Nisswa, Minnesota, thereby indirectly

aquiring Lakewood Bank N.A., Baxter,

Minnesota. Also, to retain its indirect 17.11

percent ownership in Union Bancshares, Inc.,

Fargo, North Dakota, which owns Union State

Bank of Fargo, Fargo, North Dakota.

BLACKRIDGE FINANCIAL,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

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 January 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice by Steven D. Carr, as trustee of Wheeler 01/17/2006

Trust #2099, Wichita, Kansas; and Steven D.

Carr, Wichita, Kansas; Michael D. Carr,

Leawood, Kansas; Terry L. Carr, Wichita,

Kansas; Douglas D. Carr, Andover, Kansas;

and Bobby D. Carr, Wichita, Kansas; acting as

individuals and a group acting in concert, to

acquire control of Community State

Bancshares, Inc., parent of Community Bank

of Wichita, both in Wichita, Kansas.

COMMUNITY STATE

BANCSHARES,

INCORPORATED

Newspaper:

Federal Register:

* 3A1 01/30/2006

02/06/2006

Gregg Bancshares, Inc., Nixa, Missouri, to

become a bank holding company through the

acquisition of 97.4 percent of the voting shares

of Glasgow Savings Bank, Glasgow, Missouri.

GREGG BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

02/10/2006

Hulett Holding Company, to become a bank

holding company through the acquisition of

100 percent of the voting shares of Summit

National Bank, both in Hulett, Wyoming.

HULETT HOLDING COMPANY

* 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

508355 AMERISTATE BK, ATOKA, OKLAHOMA 09/26/2005 12/22/2005 S Small Bank

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 January 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/24/2006

01/27/2006

Notice by Citizens Bankshares of Springhill,

Inc., ESOP, Springhill, Louisiana, and Argent

Trust, A Division of National Independent

Trust Co., Trustee, Ruston, Louisiana, to retain

ownership and control of 10.53 percent of

Citizens Bankshares of Springhill, Inc.,

Springhill, Louisiana, and indirectly Citizens

Bank & Trust Company, Springhill, Louisiana.

CITIZENS BANKSHARES OF

SPRINGHILL, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 January 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 01/28/2006

01/30/2006

Cathay General Bancorp, Los Angeles,

California, to acquire an equity interest up to

14.9 percent of the stock of Broadway

Financial Corporation, Los Angeles,

California, and thereby indirectly acquire

Broadway Federal Bank, FSB, Los Angeles,

California.

CATHAY GENERAL

BANCORP

Newspaper:

Federal Register:

CIC

Not available

Notice by Woosung (Edward) Park to retain his 02/02/2006

ownership in Pacific International Bancorp,

Inc., and thereby indirectly retain his

ownership in Pacific International Bank, both

of Seattle, Washington.

PACIFIC INTERNATIONAL

BANCORP, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Santa Lucia Bancorp, Atascadero, California,

to become a bank holding company by

acquiring 50 percent + 1 share of Santa Lucia

Bank, Atascadero, California.

Santa Lucia Bancorp

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

777366 BANK OF THE ORIENT, SAN FRANCISCO, CALIFORNIA 09/26/2005 01/11/2006 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act