Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 13

Week Ending April 1, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions March 26, 2006 to April 1, 2006

Bank Holding Companies

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- commenter's request for 

reconsideration of the Board's approval of the applications to acquire Gold Banc 

Corporation, Inc., Leawood, Kansas, and Gold Bank, and Trustcorp Financial, Inc., 

St. Louis, Missouri, and Missouri State Bank and Trust Company, Clayton.

- Denied, March 29, 2006 

New York Community Bancorp, Inc., Westbury, New York, and New York 

Community Newco, Inc. -- to acquire Atlantic Bank of New York, New York.

- Approved, March 28, 2006 

Discount Rates

Discount and Advance Rates -- increase in the primary credit rate from 5-1/2 

percent to 5-3/4 percent by the Federal Reserve Banks of Boston, New York, 

Philadelphia, Cleveland, Richmond, Atlanta, Chicago, St. Louis, Minneapolis, 

Dallas, and San Francisco.

- Approved, March 28, 2006 

Discount and Advance Rates -- increase in the primary credit rate from 5-1/2 

percent to 5-3/4 percent by the Federal Reserve Bank of Kansas City.

- Approved, March 30, 2006 

Forms

Forms -- final Board review to extend with revision the Consolidated Report of 

Condition and Income for Edge and Agreement Corporations (FR 2886b) and 

Quarterly Report of Assets and Liabilities of Large Foreign Offices of U.S. Banks 

(FR 2502q).

- Approved, March 30, 2006 

Regulations And Policies

Basel Capital Accord -- notice of proposed rulemaking to implement the Basel II 

risk-based capital requirements in the United States for large, internationally active 

banking organizations.

- Approved, March 30, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
March 26, 2006 to April 1, 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 McKenney, McKenney, Virginia -- to establish a branch at 4112 A 

Commerce Road, Prince George.

- Approved, March 30, 2006 

Richmond

Comerica Bank, Detroit, Michigan -- to establish a branch at 801 North San 

Fernando Boulevard, Burbank, California.

- Approved, March 30, 2006 

Secretary

LegacyTexas Bank, Plano, Texas -- to establish branches at 17617 Dallas Parkway, 

Dallas, and 707 East Arapaho Road, Richardson.

- Approved, March 31, 2006 

Dallas

SunTrust Bank, Atlanta, Georgia -- to establish branches at 16705 Fishhawk 

Boulevard, Lithia, Florida; 131245 U.S. Highway 301, Riverview; and the 

intersection of County Road 581 and Highway 56, Wesley Chapel.

- Approved, March 28, 2006 

Secretary

Bank Holding Companies

Banco Bilbao Vizcaya Argentaria, S.A., Bilbao, Spain, and BBVA Bancomer 

Financial Holdings, Inc., Houston, Texas -- to invest in and engage in money 

transmission activities in Spain through BBVA Dinero Express, S.A.U., Madrid, 

Spain.

- Approved, March 27, 2006 

Director, BS&R

Community State Bank Employee Stock Ownership Plan and Trust, Union Grove, 

Wisconsin -- to increase its ownership to 33.95 percent of the shares of Union 

Bancorporation, Inc. and Community State Bank.

- Approved, March 30, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority March 26, 2006 to April 1, 2006

Bank Holding Companies

Enterprise Employee Stock Ownership Trust, Allison Park, Pennsylvania -- for 

Enterprise Financial Services Group, Inc. to become a bank holding company and to 

acquire Enterprise Bank; for Enterprise Employee Stock Ownership Plan to become 

a bank holding company and to acquire 22 percent of the shares of Enterprise 

Financial Services Group; and for Seed Money Limited Partnership to acquire 

control of Enterprise Financial Services Group and indirect control of Enterprise 

Bank.

- Approved, March 31, 2006 

Cleveland

Exchange Financial, Inc., Adair, Iowa -- to become a bank holding company and to 

acquire Exchange State Bank.

- Approved, March 31, 2006 

Chicago

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

Francisco, California -- to acquire 80 percent of the shares of First Independent 

National Bank, Plano, Texas.

- Approved, March 28, 2006 

St. Louis

First Community Corporation, Lexington, South Carolina -- waiver of application to 

merge with DeKalb Bankshares, Inc., Camden, in connection with the merger of 

their subsidiaries, First Community Bank, N.A., Lexington, and The Bank of 

Camden, Camden.

- Granted, March 31, 2006 

Richmond

First Liberty Holdings, LLC, Oklahoma City, Oklahoma -- to become a bank 

holding company and to acquire Hazelton Bancshares, Inc., Hazelton, Kansas, and 

its subsidiary, Farmers State Bank, Meno, Oklahoma; and for FLH Management 

Company, LLC, Oklahoma City, to become a bank holding company with respect to 

First Liberty Holdings, LLC.

- Withdrawn, March 30, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority March 26, 2006 to April 1, 2006

Bank Holding Companies

First M&F Corporation, Kosciusko, Mississippi -- to merge with Crockett County 

Bancshares, Inc., Bells, Tennessee, and thereby acquire Bells Banking Company.

- Approved, March 31, 2006 

St. Louis

First Mid-Illinois Bancshares, Inc., Mattoon, Illinois -- to acquire Mansfield 

Bancorp, Inc., Mansfield, and thereby acquire Peoples State Bank of Mansfield.

- Approved, March 31, 2006 

Chicago

Minier Financial, Inc. Employee Stock Ownership Plan W/401(k) Provisions, 

Minier, Illinois -- to become a bank holding company and to acquire between 25 

percent and 51 percent of the shares of Minier Financial, Inc. and thereby acquire 

First Farmers State Bank.

- Approved, March 30, 2006 

Chicago

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

- Granted, March 30, 2006 

Kansas City

Silver State Bancorp, Henderson, Nevada -- termination of a commitment.

- Granted, March 29, 2006 

San Francisco

Stark Bank Group, Ltd., Fort Dodge, Iowa -- to merge with Pelican Financial, Inc., 

Ann Arbor, Michigan, and thereby acquire Pelican National Bank, Naples, Florida.

- Approved, March 30, 2006 

Chicago

Sundance State Bank Profit Sharing and Employee Stock Ownership Plan and Trust, 

Sundance, Wyoming -- to increase its ownership from 26.06 percent to 26.73 

percent of the shares of Sundance Bankshares, Inc., parent of Sundance State Bank.

- Approved, March 30, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority March 26, 2006 to April 1, 2006

Bank Mergers

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

Francisco, California -- to acquire Pittsfield Community Bancorp, Inc., Pittsfield, 

Illinois, and Community Bank of Pittsfield; and for First Bank, St. Louis, Missouri, 

to merge with Community Bank of Pittsfield, Pittsfield, and thereby establish 

branches.

- Approved, March 30, 2006 

St. Louis

Banks, Foreign

Banco Latinoamericano de Exportaciones, S.A., Panama City, Republic of 

Panama -- to establish a representative office in Miami, Florida.

- Approved, March 27, 2006 

Director, BS&R

Caja de Ahorros del Mediterraneo, Alicante, Spain -- to establish an agency in 

Miami, Florida.

- Approved, March 30, 2006 

Director, BS&R

Change In Bank Control

Bancroft State Bancshares, Inc., Bancroft, Wisconsin -- to retain control of Bancroft 

State Bancshares, Inc.

- Permitted, March 28, 2006 

Chicago

Primebank, Inc., Le Mars, Iowa -- change in bank control.

- Permitted, March 31, 2006 

Chicago

Competitive Factors Reports

Androscoggin Savings Bank, Lewiston, Maine -- report on competitive factors of 

the proposed purchase of the Lisbon Falls branch of Northeast Bank, Lewiston.

- Submitted, March 29, 2006 

Boston

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority March 26, 2006 to April 1, 2006

Competitive Factors Reports

Arizona Bank & Trust, Mesa, Arizona -- report on competitive factors of the 

proposed merger with Bank of the Southwest, Tempe.

- Submitted, March 27, 2006 

San Francisco

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

competitive factors of the proposed merger with Main Street Bank, Covington, 

Georgia.

- Submitted, March 28, 2006 

Richmond

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

proposed merger with Great Eastern Bank, New York, New York.

- Submitted, March 27, 2006 

San Francisco

First Federal Savings and Loan Association of Edwardsville, Edwardsville, 

Illinois -- report on competitive factors of the proposed merger with Clover Leaf 

Bank.

- Submitted, March 28, 2006 

St. Louis

MainSource Bank-Hobart, Greensburg, Indiana, an interim bank -- report on 

competitive factors of the proposed merger with H F S Bank, F.S.B., Hobart.

- Submitted, March 29, 2006 

Chicago

Merchants and Farmers Bank, Kosciusko, Mississippi -- report on competitive 

factors of the proposed merger with Bells Banking Company, Bells, Tennessee.

- Submitted, March 29, 2006 

St. Louis

Monadnock Community Bank, Peterborough, New Hampshire -- report on 

competitive factors of the proposed merger with Monadnock Interim Banks I, II, and 

III.

- Submitted, March 28, 2006 

Boston

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority March 26, 2006 to April 1, 2006

Competitive Factors Reports

Umpqua Bank, Roseburg, Oregon -- report on competitive factors of the proposed 

merger with Western Sierra National Bank, Cameron Park, California; Auburn 

Community Bank, Auburn; Central California Bank, Sonora; and Lake Community 

Bank, Lakeport.

- Submitted, March 28, 2006 

San Francisco

Extensions Of Time

Citigroup Inc., New York, New York -- extension of time for its subsidiaries, 

Shinbashi Credit Management Company, Ltd., George Town, Cayman Islands, and 

Azabu Credit Management Company, Ltd., to divest their interests in certain 

property acquired in settlement of debt previously contracted.

- Granted, March 31, 2006 

Secretary

Regulations And Policies

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

1/2 percent to 4-3/4 percent.

- Approved, March 28, 2006 

FOMC

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

Federal Reserve Bank of Boston

Filings received during the week ending April 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 04/14/2006

04/17/2006

Chicopee Bancorp, Inc., Chicopee,

Massachusetts, to become a bank holding

company by acquiring 100% of the common

stock of Chicopee Savings Bank, Chicopee,

Massachusetts, which is converting from

mutual to stock form.

CHICOPEE BANCORP, INC.

Newspaper:

Federal Register:

Other Foreign Not applicable

04/21/2006

Investors Bank & Trust Company, Boston,

Massachusetts, to establish an Edge

Corporation, Investors International

Corporation, Boston, Massachusetts, pursuant

to section 25A of the Federal Reserve Act and

section 211.5 of Regulation K.

INVESTORS BANK & TRUST

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 April 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

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.

* 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 April 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

New Century Bank, Phoenixville, PA, to 04/07/2006

establish a branch office at the Lincoln Court

Shopping Center, Route 30, Malvern, PA.

NEW CENTURY BANK

* 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

1819366 STERLING BK, MOUNT LAUREL, NEW JERSEY 10/17/2005 03/22/2006 S Small Bank

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 April 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 03/31/2006

establish a branch at 2325 Southlake Mall,

Merrillville, IN.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 03/31/2006

establish a branch at 161 North Clark Street,

Chicago, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 03/31/2006

establish a branch at the northeast corner of

Broadway Street and Addison Street, Chicago,

IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 03/31/2006

establish a branch at 222 South Riverside

Plaza, Chicago, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 03/28/2006

establish a branch at 3754 Rochester Road,

Troy, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 03/28/2006

establish a branch at 7700 Nemco Way,

Brighton, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Grand Rapids, MI to

establish a branch at the southwest corner of

Beville Road and Clyde Morris Boulevard,

Daytona Beach, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 03/28/2006

establish a branch at the southeast corner of

Aloma Avenue and Tuskawilla Road, Oviedo,

FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 3A3 Not available

3A1

4c8

04/17/2006

Kentucky Bancshares, Inc. to acquire Peoples

Bancorp of Sandy Hook, KY and as a result

merge Peoples Bank into Kentucky Bank.

KENTUCKY BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

04/26/2006

Application by S&T Bancorp, Inc., Indiana,

PA to acquire up to 24.99% of the voting

shares of Allegheny Valley Bancorp, Inc.,

Pittsburgh, PA pursuant to Section 3(a)(3) of

the Bank Holding Company Act.

S & T BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

05/01/2006

S&T Bancorp, Inc., Indiana, Pennsylvania,to

acquire up to 9.9 percent of IBT Bancorp, Inc.,

Irwin, Pennsylvania, and thereby indirectly

acquire Irwin Bank & Trust Company, Irwin,

Pennsylvania

S & T BANCORP, INC.

Newspaper:

Federal Register:

* 4c8

* 18C

* Branch

* 5D3

04/14/2006

04/14/2006

Sky Financial Group, Inc., Bowling Green,

Ohio, to acquire Waterfield Mortgage

Company, Inc., Fort Wayne, Indiana, and

indirectly, its thrift subsidiary, Union Federal

Bank of Indianapolis, Indianapolis, Indiana

SKY FINANCIAL GROUP, INC.

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

Federal Reserve Bank of Cleveland

Filings received during the week ending April 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Request by Somerset Trust Company,

Somerset, PA for permission to exceed its limit

of investment in premises as permitted by

Section 208.21 of Regulation H.

SOMERSET TRUST COMPANY

* 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 April 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Bank of The Commonwealth, Norfolk,

Virginia, to establish a branch at 229 West

Bute Street, Suite 320, Norfolk, Virginia.

BANK OF THE

COMMONWEALTH

* 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 April 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

AmSouth Bank, Birmingham, Alabama, to 04/12/2006

establish branches at the following locations:

1461 Kingsley Avenue, Orange Park, Florida,

to be known as the Kingsley Branch; 5249 S.

Conway Road, Orlando, Florida, to be known

as the Lake Conway Branch; the intersection of

Town Center Parkway and Brightman

Boulevard, Jacksonville, Florida, to be known

as the St. Johns Town Center; 13700 S. John

Young Parkway, Orlando, Florida, to be known

as the Hunter's Creek Branch; the intersection

of Highway 17-92 and Ventris Street,

Maitland, Florida, to be known as the Maitland

Branch; the intersection of Swann Avenue and

S. Dale Mabry Highway, Tampa, Florida, to be

known as the Palma Ceia Branch; and the

intersection of Highway 98 and Front Beach

Road, Panama City Beach, Florida, to be

known as the Rosemary Beach Branch.

AMSOUTH BANK

Newspaper:

Federal Register:

* Branch

Not applicable

AmSouth Bank, Birmingham, Alabama, to 04/13/2006

establish branches at the following locations:

the intersection of US Highway 27 and County

Road 28, Leesburg, Florida, to be known as the

Lake Harris Branch; the intersection of Palm

Beach Boulevard and State Road 31, Ft. Myers,

Florida, to be known as the Verandah Branch;

324 Merritt Island Causeway East, Merritt

Island, Florida, to be known as the Merritt

Island Branch; 5703 West Manatee Avenue,

Bradenton, Florida, to be known as the West

Manatee Branch; the intersection of Sumter

Road and Price Boulevard, North Port, Florida,

to be known as the Heron Creek Branch; and

the east side of U.S. 41 between Triangle

Boulevard and CR 951, Naples, Florida, to be

known as the Lely Branch.

AMSOUTH BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Mountain Commerce Bancorp, Inc., Johnson

City, Tennessee, to become a bank holding

company by acquiring 58.69 percent of the

outstanding stock of Erwin National Bank,

Erwin, Tennessee.

MOUNTAIN COMMERCE

BANCORP, INC.

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

Federal Reserve Bank of Atlanta

Filings received during the week ending April 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

PB Bancshares, Inc., Clifton, Tennessee,

after-the-fact change in control notice filed by

J. Autry and Martha Gobbell; Stephen or Jane

Ann Gobbell; Stephen Gobbell, as custodian

for Stephen Mark Gobbell; PB Bancshares,

Inc., ESOP, J. Autry Gobbell, Gailand Grinder,

Tommy Martin, Kelvin Runions, Carl Skelton,

and Andrew Yarbrough, as trustees; Frances

Hassell Wade Trust, J. Autry Gobbell, Martha

Gobbell, and Stephen Gobbell, as trustees; all

of Clifton, Tennessee, to retain 62.39 percent

of the outstanding shares of PB Bancshares,

Inc., and its subsidiary bank, Peoples Bank,

both of Clifton, Tennessee.

P B BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 04/05/2006

establish a branch located at 2565 Woodruff

Road, Simpsonville, South Carolina.

REGIONS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 04/01/2006

establish a branch located at 1405 Sam Walton

Boulevard, Bentonville, Arkansas.

REGIONS BANK

Newspaper:

Federal Register:

CIC Not available

02/27/2006

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., Patricia D. Pollard, 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, all of Appling,

Georgia, and Robert William Pollard, III,

Evans, Georgia, Richard Daniel Blanton, Jr.,

Carrollton, Georgia, Lynn Pollard Nickerson

and Paul Rush Battle, both of Atlanta, Georgia,

and RWP, Sr. Enterprises, LLLP, Appling,

Georgia, Robert W. Pollard, Jr., Patricia

Pollard Blanton, Levi Anderson Pollard, V,

and Lynn Pollard Nickerson, general partners),

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:

* 3A1 04/21/2006

04/17/2006

Southwest Capital Holdings, Inc., Fort Myers,

Florida, to become a bank holding company by

acquiring 100 percent of the outstanding shares

of Southwest Capital Bank, National

Association, Fort Myers, Florida (in

organization).

SOUTHWEST CAPITAL

HOLDINGS, INC.

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

Federal Reserve Bank of Atlanta

Filings received during the week ending April 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 04/06/2006

a branch located at 7451 Mount Vernon

Square, Alexandria, Virginia, to be known as

the Mount Vernon Square Safeway Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 04/08/2006

a branch located at 142 East St. James Avenue,

Goose Creek, South Carolina, to be known as

the Goose Creek 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 April 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 04/13/2006

Capitol Bancorp, Ltd., Lansing, Michigan, to

acquire 51 percent of the voting shares of

Evansville Commerce Bank (in organization),

Evansville, Indiana, and by Capitol

Development Bancorp Limited IV, Lansing,

Michigan, to become a bank holding company

by acquiring 51 percent of the voting shares of

Evansville Commerce Bank (in organization),

Evansville, Indiana.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 04/14/2006

Capitol Bancorp, Ltd., Lansing, Michigan, to

acquire 51 percent of the voting shares of

Sunrise Bank of Atlanta (in organization),

Atlanta, Georgia, and by Capitol Development

Bancorp Limited IV, Lansing, Michigan, to

become a bank holding company by acquiring

51 percent of the voting shares of Sunrise Bank

of Atlanta (in organization), Atlanta, Georgia.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 04/01/2006

a branch facility to be located at 1037 State

Road 7, Suite 117, Wellington, Florida.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank of Manhattan, Manhattan, Illinois, 04/14/2006

to establish a branch facility to be located at

836 Laraway Road, New Lenox, Illinois.

FIRST BANK OF

MANHATTAN

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Indiana Business Bancorp, Indianapolis,

Indiana, to become a bank holding company by

acquiring 100 percent of the voting shares of

Indiana Business Bank, Indianapolis, Indiana.

INDIANA BUSINESS

BANCORP

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Johnson Bank, Racine, Wisconsin, to merge

with Johnson Bank Arizona, National

Association, Phoenix, Arizona, and thereby to

establish 8 branches.

JOHNSON BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

National Bancshares, Inc., Bettendorf, Iowa, to

acquire 100 percent of Metrocorp, Inc., East

Moline, Illinois, and thereby indirectly acquire

Metrobank NA, Davenport, Iowa.

NATIONAL BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 04/21/2006

04/27/2006

Prairieland Bancorp Employee Stock

Ownership Plan and Trust, Bushnell, Illinois,

to increase its ownership from 44.80 percent to

49.67 percent of Prairieland Bancorp, Inc.,

Bushnell, Illinois, and thereby indirectly

increase its ownership of Farmers and

Merchants State Bank of Bushnell, Bushnell,

Illinois.

PRAIRIELAND BANCORP

EMPLOYEE STOCK

OWNERSHIP PLAN AND

TRUST

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Signature Bancorporation, Inc., Chicago,

Illinois, to become a bank holding company by

acquiring 100 percent of the voting shares of

Signature Bank (in organization), Chicago,

Illinois.

Signature Bancorporation, Inc.

* 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

612346 BANK IA, RED OAK, IOWA 12/12/2005 03/16/2006 S Small Bank

574949 FARMERS & MRCH BK, BERLIN, WISCONSIN 12/05/2005 03/27/2006 S Small Bank

139843 FIRST FARMERS B&T, CONVERSE, INDIANA 11/07/2005 03/15/2006 S Int Sm Bank

465243 GARRETT ST BK, GARRETT, INDIANA 11/28/2005 03/20/2006 S Small Bank

651541 IOWA ST B&TC, FAIRFIELD, IOWA 12/05/2005 03/13/2006 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 April 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 04/28/2006

05/01/2006

CBT Bancorp, Inc., Trenton, Illinois, to

become a bank holding company by acquiring

100 percent of Community Bank of Trenton,

Trenton, Illinois.

CBT Bancorp, Inc.

Newspaper:

Federal Register:

CIC Not available

04/07/2006

Notice by the Stumpf Family Control Group,

Columbia, Illinois, to increase control of

Columbia Bancshares, Inc., Columbia, Illinois.

The control group consists of Kenneth W.

Stumpf, Evelyn L. Stumpf, Gary A. Stumpf,

Cheri A. Riebeling, Jay W. Stumpf, Jane L.

Menner, and Kurt D. Stumpf, all of Columbia,

Illinois.

COLUMBIA BANCSHARES,

INC.

Newspaper:

Federal Register:

CIC Not available

04/20/2006

Notice by Nancy Hays Gottwald, Richmond,

Virginia, to increase control of First National

Bancshares of Hempstead County, Inc., Hope,

Arkansas.

FIRST NATIONAL

BANCSHARES OF

HEMPSTEAD COUNTY

Newspaper:

Federal Register:

* Branch

Not applicable

Reelfoot Bank, Union City, Tennessee, to 04/13/2006

establish a branch facility to be located at 134

Courtright Road, Martin, Tennessee.

REELFOOT BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Truman Bank, St. Louis, Missouri, to purchase 04/29/2006

certain assets and assume certain liabilities of

Columbian Bank & Trust Company, Topeka,

Kansas.

TRUMAN BANK

* 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 April 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/23/2006

Cornerstone Holding Company, Inc., Fargo,

North Dakota, to acquire 100 percent of

Citizens, Incorporated, Enderlin, North Dakota

and thereby indirectly acquire Citizens State

Bank, Enderlin, North Dakota.

CORNERSTONE HOLDING

COMPANY, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Evergreen Bancshares, Two Harbors,

Minnesota to become a bank holding company

by acquiring 100 percent of the voting shares

of The Lake Bank, Two Harbors, Minnesota.

EVERGREEN BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

04/17/2006

Forstrom Bancorporation, Inc., Clara City,

Minnesota, to acquire 100 percent of the

outstanding shares of Yellow Medicine

Bancshares, Inc., Granite Falls, Minnesota,

and thereby indirectly acquire Yellow

Medicine County Bank, Granite Falls,

Minnesota.

FORSTROM

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/21/2006

FSB Bancorp, Inc., Sioux Falls, South Dakota,

to become a bank holding company by

acquiring 100 percent of Farmers State Bank of

Turton, South Dakota.

FSB BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/23/2006

JAG Financial, Inc., St. Paul, Minnesota to

become a bank holding company by acquiring

100 percent of The EastBank Corporation,

Minneapolis, Minnesota, and thereby indirectly

acquire 100 percent of EastBank, Minneapolis,

Minnesota.

JAG FINANCIAL, INC.

Newspaper:

Federal Register:

* 3A1 03/11/2006

03/03/2006

Salish and Kootenai Bancorporation, Polson,

Montana, to become a bank holding company

by acquiring 100 percent of the capital stock of

Eagle Bank, Polson, Montana, a de novo bank.

SALISH AND KOOTENAI

BANCORPORATION

* 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

619457 FLINT CREEK VALLEY BK, PHILIPSBURG, MONTANA 12/13/2005 03/28/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending April 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Commerce, Chelsea, Oklahoma, to 04/13/2006

establish a branch at 1126 W. Will Rogers

Boulevard, Claremore, Oklahoma.

BANK OF COMMERCE

Newspaper:

Federal Register:

* 3A1 04/24/2006

04/21/2006

CitizensAda Financial Corporation, to become

a bank holding company through the

acquisition of 100 percent of the voting shares

of Citizens Bank of Ada, both in Ada,

Oklahoma.

CITIZENSADA FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

First Community Bank, Emporia, Kansas, to 04/19/2006

purchase certain assets and assume certain

liabilities of the Emporia, Kansas branch of

The State Bank of Kansas, Fredonia, Kansas,

and incident thereto, to establish a branch.

FIRST COMMUNITY BANK

Newspaper:

Federal Register:

* 3A1 Not available

04/27/2006

First Liberty Holdings, LLC, Oklahoma City,

Oklahoma, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of Hazelton Bancshares, Inc., (to

be known as First Liberty Bancshares, Inc.),

Hazelton, Kansas, parent of Farmers State

Bank (to be known as First Liberty Bank),

Meno, Oklahoma. In addition, FLH

Management Company, LLC, Oklahoma City,

Oklahoma, to become a bank holding company

by virtue of its control of the affairs of First

Liberty Holdings, LLC.

FIRST LIBERTY HOLDINGS,

LLC

Newspaper:

Federal Register:

* 3A3 Not available

Not available

First Pryor Bancorp, Inc., Pryor, Oklahoma, to

acquire 10 percent of the voting shares of

Carson River Community Bank (in

organization), Carson City, Nevada.

FIRST PRYOR BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

FirsTier Bank, Wyoming, to establish a branch 04/15/2006

at 612 Pine Street, both in Upton, Wyoming.

FIRSTIER BANK, WYOMING

Newspaper:

Federal Register:

CIC 04/19/2006

04/13/2006

Notice by Amos Kendall Bass, III, Wilburton,

Oklahoma, to acquire control of Wilburton

State Bancshares, Inc., parent of Wilburton

State Bank, both in Wilburton, Oklahoma.

WILBURTON STATE

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

638850 FIDELITY ST B&TC, DODGE CITY, KANSAS 12/12/2005 03/17/2006 S Small Bank

29159 FIRSTIER BK WY, UPTON, WYOMING 12/05/2005 03/17/2006 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 April 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Mr. Henry Cook Taylor,

Natchitoches, Louisiana, to retain ownership

and control of 12.82 percent in City

Bancshares, Inc., Natchitoches, Louisiana, and

indirectly City Bank & Trust Company,

Natchitoches, Louisiana.

CITY BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/17/2006

Grupo Financiero Banorte, S.A. de C.V.,

Monterrey, Nuevo Leon, Mexico; Banco

Mercantil del Norte, S.A. Institucion de Banca

Mulitiple, Grupo Financiero Banorte,

Monterrey, Nuvevo Leon, Mexico; and Banorte

USA Corporation, Wilmington, Delaware, to

become bank holding companies by acquiring

70 percent of INB Financial Corporation,

McAllen, Texas, and indirectly, INB Delaware

Corporation, Wilmington, Delaware, and Inter

National Bank, McAllen, Texas.

GRUPO FINANCIERO

BANORTE, S.A. DE C.V.

Newspaper:

Federal Register:

* Branch

Not applicable

PlainCapital Bank, Lubbock, Texas, to 04/12/2006

establish a branch at 500 Santa Fe Drive,

Weatherford, Texas 76086, and for permission

to operate a mobile messenger service.

PLAINSCAPITAL BANK

* 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

352651 BANK OF CMRC, MCLEAN, TEXAS 12/12/2005 03/22/2006 S Small Bank

603755 FIRST ST BK, JUNCTION, TEXAS 01/09/2006 03/30/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending April 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/06/2006

Notice by the Sun Group, consisting of John

Chung-Yuan Sun, Judy Chen-Mei Sun,

Rancho Palos Verdes, California, and Jaclyn

Chen-Hoa Sun, New York, New York, to

retain 11.4 percent ownership of American

Premier Bancorp, Arcadia, California, and

thereby indirectly retain ownership in

American Premier Bank, Arcadia, California.

AMERICAN PREMIER

BANCORP

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Beverly Hills Bancorp, Inc, Calabasas,

California, to engage in lending a small

number of commercial real estate loans.

BEVERLY HILLS BANCORP

INC.

Newspaper:

Federal Register:

CIC Not available

03/27/2006

Notice by David F. Bolger to acquire up to 25

percent of Cascade Bancorp, and thereby

indirectly acquire Bank of the Cascades, both

of Bend, Oregon.

CASCADE BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 04/03/2006

1) Castle Creek Capital Partners III, L.P.,

Castle Creek Capital III LLC, Eggemeyer

Capital LLC, Ruh Capital LLC, Legions IV

Advisory Corp., Western States Opportunity

LLC, Eggemeyer Family Trust, and William J.

Ruh Trust, all of Rancho Santa Fe, California,

to become bank holding companies by

acquiring 89 percent of LDF, Inc., and thereby

indirectly acquire its wholly-owned subsidiary,

Labe Bank, both of Chicago, Illinois, and;

2)Castle Creek Capital Partners III, L.P.,

Castle Creek Capital III LLC, Eggemeyer

Capital LLC, Ruh Capital LLC, Legions IV

Advisory Corp.to acquire 35 percent of Atlanta

Bancorporation, Inc., Alpharetta, Georgia, and

thereby indirectly acquire Gibsonville

Community Bank, Inc., Gibsonville, North

Carolina.

CASTLE CREEK CAPITAL

PARTNERS III, L.P.

Newspaper:

Federal Register:

* Branch

Not applicable

Placer Sierra Bank, Auburn, California, to 03/31/2006

establish a branch facility to be located at 5

River Park Place West, Fresno,California.

PLACER SIERRA BANK

* 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