Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 16

Week Ending April 22, 2006

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

Banks, Foreign

Bank Hapoalim, B.M., Tel Aviv, Israel, Arison Holdings (1998) Ltd., and Israel Salt 

Industries Ltd., Atlit -- to acquire Investec (US) Incorporated, New York, New 

York, and engage in investment activities in the United States.

- Approved, March 8, 2006 (AC)

Enforcement

AmSouth Bancorporation, Birmingham, Alabama, and AmSouth Bank -- cease and 

desist order dated October 12, 2004, terminated April 20, 2006.

- Announced, April 20, 2006 

Premier Financial Bancorp, Inc., Huntington, West Virginia -- written agreement 

dated January 29, 2003, terminated April 19, 2006.

- Announced, April 20, 2006 

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

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

AmSouth Bank, Birmingham, Alabama -- to establish branches at 1461 Kingsley 

Avenue, Orange Park, Florida; 5249 South Conway Road, Orlando; and 13700 

South John Young Parkway; and at the intersections of Town Center Parkway and 

Brightman Boulevard, Jacksonville; Highway 17-92 and Ventris Street, Maitland; 

Swann Avenue and South Dale Marby Highway, Tampa; and Highway 98 and Front 

Beach Road, Panama City Beach.

- Approved, April 19, 2006 

Atlanta

AmSouth Bank, Birmingham, Alabama -- to establish branches at 324 Merritt Island 

Causeway East, Merritt Island, Florida; and 5703 West Manatee Avenue, 

Bradenton; at the intersections of U.S. Highway 27 and County Road 28, Leesburg; 

Palm Beach Boulevard and State Road 31, Ft. Myers; and Sumter Road and Price 

Boulevard, North Port; and on U.S. 41 between Triangle Boulevard and County 

Road 951, Naples.

- Approved, April 20, 2006 

Atlanta

Bank of Commerce, Chelsea, Oklahoma -- to establish a branch at 1126 West Will 

Rogers Boulevard, Claremore.

- Approved, April 20, 2006 

Kansas City

The Bank of Romney, Romney, West Virginia -- to establish a branch at U.S. Route 

50.

- Approved, April 19, 2006 

Richmond

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 5430 State 

Street, Saginaw.

- Approved, April 19, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority April 16, 2006 to April 22, 2006

Bank Branches, Domestic

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 3153 

Commerce Lane, Ionia.

- Approved, April 20, 2006 

Cleveland

First Bank of Manhattan, Manhattan, Illinois -- to establish a branch at 836 Laraway 

Road, New Lenox.

- Approved, April 21, 2006 

Chicago

First Option Bank, Osawatomie, Kansas -- to establish a branch at 223rd and Price 

Chopper Drive, Spring Hill.

- Approved, April 19, 2006 

Kansas City

Northside Community Bank, Gurnee, Illinois -- to establish a branch at 205 West 

Wacker Drive, Chicago.

- Approved, April 17, 2006 

Chicago

PlainsCapital Bank, Lubbock, Texas -- to establish a branch at 500 Santa Fe Drive, 

Weatherford, and to operate a mobile messenger service.

- Approved, April 17, 2006 

Dallas

Reelfoot Bank, Union City, Tennessee -- to establish a branch at 134 Courtright 

Road, Martin.

- Approved, April 18, 2006 

St. Louis

Regions Bank, Birmingham, Alabama -- to establish a branch at Wild Heron Way 

and Panama City Beach Parkway, Panama City Beach, Florida.

- Approved, April 21, 2006 

Atlanta

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

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish branches at 10991-1 San Jose 

Boulevard, Jacksonville, Florida; 4250 Phillips Highway; and 13227 City Square 

Drive.

- Approved, April 18, 2006 

Secretary

Bank Holding Companies

Canyon Bancorp, Palm Springs, California -- to become a bank holding company 

and to acquire Canyon National Bank.

- Approved, April 21, 2006 

San Francisco

The Farmers Bancorp, Frankfort, Indiana -- to retain Farmers Bank Reinsurance Co., 

Ltd.

- Withdrawn, April 19, 2006 

Chicago

FCB Financial Corp., Savannah, Georgia -- relief from a commitment.

- Granted, April 18, 2006 

Atlanta

Mirae Bancorp, Los Angeles, California -- to become a bank holding company and 

to acquire Mirae Bank.

- Approved, April 20, 2006 

San Francisco

Monarch Financial Holdings, Inc., Chesapeake, Virginia -- to become a bank 

holding company and to acquire Monarch Bank.

- Approved, April 20, 2006 

Richmond

Popular, Inc., Hato Rey, Puerto Rico, and Popular International Bank, Inc. -- waiver 

of remainder of notification period to invest in Corporacion UBC Internacional, 

S.A., San Salvador, El Salvador.

- Granted, April 21, 2006 

Director, BS&R

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority April 16, 2006 to April 22, 2006

Bank Mergers

Patriot Bank, Millington, Tennessee -- to purchase the assets and assume the 

liabilities of the Millington branch of Trustmark National Bank, Jackson, 

Mississippi.

- Approved, April 21, 2006 

St. Louis

Bank Premises

The Bank of Romney, Romney, West Virginia -- to increase its investment in bank 

premises.

- Approved, April 19, 2006 

Richmond

Change In Bank Control

Commerce Bancorp, Inc., Cherry Hill, New Jersey -- change in bank control.

- Permitted, April 17, 2006 

Philadelphia

Competitive Factors Reports

Bank of Colorado, Fort Collins, Colorado -- report on competitive factors of the 

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

Olathe, Delta, and mobile branches of First National Bank, Independence, Kansas.

- Submitted, April 21, 2006 

Kansas City

Bank of Luxemburg, Luxemburg, Wisconsin -- report on competitive factors of the 

proposed acquisition of the Algoma branch of North Shore Bank, F.S.B., Brookfield.

- Submitted, April 18, 2006 

Chicago

Community Bank of Trenton, Trenton, Illinois -- report on competitive factors of the 

proposed merger with CBT Interim Bank.

- Submitted, April 19, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority April 16, 2006 to April 22, 2006

Competitive Factors Reports

Farmers Bank, Greenwood, Arkansas -- report on competitive factors of the 

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

Barling branch of The First National Bank at Paris, Paris.

- Submitted, April 20, 2006 

St. Louis

First National Bank, Rancho Santa Fe, California -- report on competitive factors of 

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

branch of Pacific Western National Bank, Santa Monica.

- Submitted, April 17, 2006 

San Francisco

Idaho Trust National Bank, Coeur D'Alene, Idaho -- report on competitive factors of 

the proposed merger with Idaho Trust National Bank-Interim Bank, Boise.

- Submitted, April 17, 2006 

San Francisco

Metrobank, National Association, Davenport, Iowa -- report on competitive factors 

of the proposed merger with Metrocorp, Inc., East Moline, Illinois.

- Submitted, April 18, 2006 

Chicago

Metrocorp, Inc., East Moline, Illinois -- report on competitive factors of the 

proposed merger with Metrobank, National Association, Davenport, Iowa.

- Submitted, April 18, 2006 

Chicago

New Century Bank South, Fayetteville, North Carolina -- report on competitive 

factors of the proposed merger with Progressive State Bank, Lumberton.

- Submitted, April 18, 2006 

Richmond

Peoples State Bank of Commerce, Nolensville, Tennessee -- report on competitive 

factors of the proposed assumption of deposit liabilities of the Ardmore branch of 

AmSouth Bank, Birmingham, Alabama.

- Submitted, April 18, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority April 16, 2006 to April 22, 2006

Competitive Factors Reports

Skagit State Bank, Burlington, Washington -- report on competitive factors of the 

proposed merger with Interim Skagit State Bank.

- Submitted, April 17, 2006 

San Francisco

Southern Commerce Bank, National Association, Tampa, Florida -- report on 

competitive factors of the proposed merger with Southern Commerce Bank.

- Submitted, April 21, 2006 

Kansas City

State Bank and Trust Company, Greenwood, Mississippi -- report on competitive 

factors of the proposed merger with Consumer National Bank, Jackson.

- Submitted, April 20, 2006 

St. Louis

Extensions Of Time

Deutsche Bank AG, Frankfurt, Germany -- extension of time to divest or conform 

certain impermissible activities and investments.

- Granted, April 20, 2006 

Director, BS&R

First Florida Bank, Naples, Florida -- extension to July 7, 2007, to establish a branch 

at 9200 Cockleshell Court, Bonita Springs.

- Granted, April 20, 2006 

Atlanta

Indiana Bank Corp., Terre Haute, Indiana -- extension to June 29, 2006, to become a 

bank holding company and to acquire The First National Bank of Dana, Dana.

- Granted, April 19, 2006 

Chicago

Mercantile Bancorp, Inc., Quincy, Illinois -- extension to July 20, 2006, to increase 

its interest in New Frontier Bancshares, Inc., St. Charles, Missouri, and New 

Frontier Bank.

- Granted, April 18, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority April 16, 2006 to April 22, 2006

Membership

First State Bank, Conway, Arkansas -- to become a member of the Federal Reserve 

System.

- Approved, April 18, 2006 

St. Louis

Gold Canyon Bank, Gold Canyon, Arizona, a de novo bank -- to become a member 

of the Federal Reserve System.

- Approved, April 21, 2006 

San Francisco

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on March 27-28, 2006.

- Published, April 18, 2006 

FOMC

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

Federal Reserve Bank of Boston

Filings received during the week ending April 22, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Application by The Connecticut Bank and Trust

Company to open a de novo branch in

Newington, Connecticut, pursuant to section 9

of the Federal Reserve Act and section 208.6 of

Regulation H.

CONNECTICUT BANK &

TRUST COMPANY, THE

Newspaper:

Federal Register:

* 3A1 05/06/2006

05/11/2006

Section 3 application by First Suffield Financial

Inc., Suffield, Connecticut, to become a bank

holding company by acquiring 100% of the

outstanding shares of The First National Bank

of Suffield, Suffield, Connecticut.

FIRST SUFFIELD FINANCIAL,

INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Application filed by Leader Bancorp, Inc.,

Arlington, Massachusetts to acquire 100% of

the common stock of Leader Bank, National

Association, Arlington, Massachusetts,

pursuant to section 3(a)(1) of the BHC Act of

1956, as amended.

LEADER 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 April 22, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

ES Bancshares, Inc., Newburgh, New York, to

become a one bank holding company with

respect to Empire State Bank, National

Association, Newburgh, New York pursuant to

Section 3(a)(C) of the Bank Holding Company

Act of 1956, as amended and Section 225.17 of

Regulation Y.

EMPIRE STATE BANK,

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The Governor and Company of The Bank of

Ireland, Dublin, Ireland, to establish a branch

office in Stamford, Connecticut, pursuant to

Section 211.24(a)(2)(i)(A) of Reg K.

GOVERNOR AND COMPANY

OF THE BANK OF IRELAND,

THE

Newspaper:

Federal Register:

* 3A3 Not available

05/19/2006

HSBC Holdings plc and HSBC Overseas

Holdings (UK) Limited, both of London, United

Kingdom, and their direct and indirect U.S.

subsidiaries, HSBC North America Holdings

Inc., HSBC Investments (North America) Inc.,

HSBC North America Inc., all of Wilmington,

Delaware, and HSBC USA Inc., Baltimore,

Maryland ("HUSA") to acquire a bank pursuant

to Section 3(a)(3) of the Bank Holding

Company Act of 1956, as amended, by

converting HUSA''s limited purpose and

non-depository trust bank subsidiary, HSBC

Trust Company (Delaware), N.A., Wilmington,

Delaware, into a full service bank.

HSBC HOLDINGS PLC

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 05/04/2006

Buffalo, New York, requests approval to

establish a full-service branch located at 117

South 18th Street, Philadelphia, Pennsylvania.

MANUFACTURERS AND

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

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

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

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

establish a branch in New York, New York by

relocating the Bank's Los Angeles, California

FDIC-insured branch. 

In addition, the Bank is applying to the Board,

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

representative office in Los Angeles, California,

which will serve as a liaison office with the

Bank's remaining California-based customers.

MIZRAHI TEFAHOT BANK

LTD.

* 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 22, 2006

Filing Type Filer Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending April 22, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 05/08/2006

05/12/2006

Citizens National Corporation, Paintsville,

Kentucky, to acquire 100 percent of the

common shares of Heritage Bank of Ashland,

Inc., Ashland, Kentucky

CITIZENS NATIONAL

CORPORATION

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending April 22, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Bank of the James Financial Group, Inc.,

Lynchburg, Virginia to engage de novo in the

business of providing securities brokerage

services.

BANK OF THE JAMES

FINANCIAL GROUP, INC.

Newspaper:

Federal Register:

* 3A5 05/19/2006

05/15/2006

BB&T Corporation, Winston-Salem, North

Carolina, to acquire 100% of the voting

securities of First Citizens Bancorp, Cleveland,

Tennessee.

BB&T CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Citizens Bank & Trust Company, Blackstone, 04/24/2006

Virginia, to establish a branch facility to be

located at 622 E. Atlantic Street, South Hill,

Virginia.

CITIZENS BANK AND TRUST

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Planters Bank & Trust Company, Staunton, 04/29/2006

Virginia, proposes to establish a branch at 2102

Langhorne Road, Lynchburg, Virginia.

PLANTERS BANK & TRUST

COMPANY OF VIRGINIA

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Rockingham Heritage Bank, Harrisonburg, 05/05/2006

Virginia, to merge with Albemarle First Bank,

Charlottesville, Virginia.

ROCKINGHAM HERITAGE

BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Second Bank & Trust, Culpeper, Virginia, 04/29/2006

proposes to establish a branch at 1330 Parham

Circle, Charlottesville, Virginia.

SECOND BANK & TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

Susquehanna Bank, Hagerstown, Maryland, 05/05/2006

proposes to establish a branch at 1525 Rock

Spring Road, Forest Hill, Maryland.

SUSQUEHANNA 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

1356535 CAPITALBANK, GREENWOOD, SOUTH CAROLINA 10/24/2005 03/02/2006 S Intermediate

Small Bank

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 22, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/08/2006

Algiers Bancorp, Inc., Baton Rouge, Louisiana,

prior change in control notice by the Robin and

Cherie Arkley Revocable Algiers Bancorp Stock

Trust, Eureka, California, with Robin P. Arkley

II and Cherie P. Arkley, Eureka, California, as

trustees to acquire 57 percent; the Allison E.

Arkley Trust #5, Eureka, California, with

Calvin Richard Jones, managing member of

CTT, LLC, Eureka, California, and John L.

Piland as trustees to acquire 19 percent; and the

Elizabeth A. Arkley Trust #5, with Calvin

Richard Jones, managing member of CTT,

LLC, Eureka, California, and John L. Piland as

trustees to acquire 19 percent; and Jack J.

Mendheim and Stephanie C. Medheim, Folsom,

Louisiana, to acquire 5 percent of the

outstanding shares of Algiers Bancorp, Inc.,

Baton Rouge, Louisiana, and its subsidiary,

Statewide Bank, Terrytown, Louisiana.

Collectively, this represents 100 percent

transfer of ownership.

ALGIERS BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

AmSouth Bank, Birmingham, Alabama, to 05/02/2006

establish a branch located at 8225 Champions

Gate Boulevard, Champions Gate, Florida, to be

known as the Champions Gate Branch.

AMSOUTH BANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Citizens B & T Holdings, Inc., notice to become

a bank holding company by acquiring 100

percent of the outstanding shares of Citizens

Bank & Trust, both of Guntersville, Alabama.

CITIZENS B & T HOLDINGS,

INC.

Newspaper:

Federal Register:

* 3A1 05/09/2006

05/11/2006

FEB Bancshares, Inc., to become a bank

holding company by acquiring 100 percent of

the outstanding shares of Farmers Exchange

Bank, both of Louisville, Alabama.

FEB BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Florida Bank, Naples, Florida, to establish 05/03/2006

a branch located at 101 Center Road, Venice,

Florida, to be known as the First Florida Bank

Venice Office.

FIRST FLORIDA BANK

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

Federal Reserve Bank of Atlanta

Filings received during the week ending April 22, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 05/15/2006

Hometown of Homestead, Inc., Ft. Pierce,

Florida (Hometown), to become a bank holding

company by acquiring 100 percent of the

outstanding shares of First of Homestead, Inc.,

and its subsidiary, 1st National Bank of South

Florida (Bank), both of Homestead, Florida.

Also enclosed are the applications by

Hometown Banking Company, Ft. Pierce,

Florida, to acquire 30 percent of the outstanding

shares of Hometown and Bank; The Prosperity

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

to acquire 10 percent of the outstanding shares

of Hometown and Bank; and Riverside Gulf

Coast Banking Company, Cape Coral, Florida,

to acquire 10 percent of the outstanding shares

of Hometown and Bank. Hometown will change

its name to Hometown of Homestead Banking

Company after consummation.

HOMETOWN OF HOMESTEAD,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 04/27/2006

establish branches at the following locations:

468 Metairie Road, Metairie, Louisiana, to be

known as the Metairie Road Branch, and at the

10000 block of Perkins Road, Baton Rouge,

Louisiana, to be known as the Perkins Branch.

IBERIABANK

Newspaper:

Federal Register:

* 3A1 05/15/2006

05/01/2006

Mountain Commerce Bancorp, Inc., Johnson

City, Tennessee, to become a bank holding

company by acquiring 100 percent of the

outstanding shares of Erwin National Bank,

Erwin, Tennessee.

MOUNTAIN COMMERCE

BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

SEE Trust, Miami, Florida, with Evan Marbin

as trustee, to become a bank holding company

through the acquisition of control of 25.32

percent ownership of TRANSATLANTIC

BANK, Miami, Florida.

SEE TRUST

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

Federal Reserve Bank of Atlanta

Filings received during the week ending April 22, 2006

Filing Type Filer Filing Proposal End of Comment Period

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; the Robert W.

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

Benefit of Zachary Duncan Pollard, the Trust

dated February 1, 1984, for the Benefit of

Zachary Duncan Pollard, the Robert W. Pollard,

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

Elizabeth Pollard, the Trust dated December 17,

1985, for the Benefit of Ann Elizabeth Pollard,

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

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

the Trust dated February 1, 1984, for the

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

Pollard, Jr. as Trustee and Individually; Patricia

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

the Benefit of Levi Anderson Pollard, VI, and

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

Lucy Ann Pollard, Levi Anderson Pollard, V as

Trustee and Individually; Richard Daniel

Blanton; the Patricia Pollard Blanton Section

2503(c) Trust for the Benefit of Thomas Vinson

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

for the Benefit of Thomas Vinson Blanton, II,

the Patricia Pollard Blanton Section 2503(c)

Trust for the Benefit of Jennie Briggs Blanton,

the Trust dated January 1, 1992, for the Benefit

of Jennie Briggs Blanton, the Patricia Pollard

Blanton Section 2503(c) Trust for the Benefit of

Clayton Edward Blanton, the Trust dated

January 1, 1992, for the Benefit of Clayton

Edward Blanton, the Trust dated August 26,

1985, for the Benefit of Richard Daniel

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

1985, for the Benefit of Lee Blanton West,

Patricia Pollard Blanton as Trustee and

Individually; Lee Blanton West; Pollard Land

Company; and RWP Sr. Enterprises, LLLP

(Robert W. Pollard, Jr., Lynn Pollard

Nickerson, Levi Anderson Pollard, V, and

Patricia Pollard Blanton, general partners), all

of Appling, Georgia; Robert William Pollard,

III, Evans, Georgia; Richard Daniel Blanton,

Jr., Carrollton, Georgia; and the Trust dated

August 26, 1985, for the Benefit of Paul Rush

Battle, Lynn Pollard Nickerson as Trustee and

Individually, all of Atlanta, Georgia), to retain

control of Southeastern Bank Financial

Corporation, and its subsidiary bank, Georgia

Bank & Trust, both of Augusta, Georgia.

SOUTHEASTERN BANK

FINANCIAL CORPORATION

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

Federal Reserve Bank of Atlanta

Filings received during the week ending April 22, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Sun American Bank, Miami, Florida, to 04/30/2006

establish a branch located at 2000 PGA

Boulevard, Building E, Suite E5506, Palm

Beach Gardens, Florida, to be known as the

PGA Boulevard Branch.

SUN AMERICAN BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 05/04/2006

branch located at 17000 Tamiami Trail, North

Port, Florida, to be known as the North Port

Wal-Mart 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 22, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

05/19/2006

Alpha Bancorp, Inc., Chicago, Illinois, a

subsidiary of Metropoitan Bank Group, Inc.,

Chicago, Illinois, to acquire 100 percent of the

voting shares of Community Bank of DuPage

(in organization), Westmont, Illinois.

ALPHA BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

05/11/2006

Birmingham Bloomfield Bancshares, Inc.,

Birmingham, Michigan, to become a bank

holding company by acquiring 100 percent of

the voting shares of Bank of Birmingham (in

organization), Birmingham, Michigan.

BIRMINGHAM BLOOMFIELD

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

two branch facilities to be located at 3825

Crenshaw Blvd., Los Angeles, California, and

110 S. El Camino Real, Encinitas, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 3110 Crow

Canyon Place, San Ramon, California.

COMERICA BANK

Newspaper:

Federal Register:

* 3A1 Not available

05/19/2006

Gateway Banc Corp., Roscoe, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of Gateway

Community Bank, Roscoe, Illinois.

GATEWAY BANC CORP.

Newspaper:

Federal Register:

* 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:

* Branch

Not applicable

Lake City Bank, Warsaw, Indiana, to establish 04/21/2006

a branch facility to be located at Tract 1 and

Tract 2 in the Plat of West Jefferson Market

Square, Fort Wayne, Indiana.

LAKE CITY BANK

Newspaper:

Federal Register:

* 3A1 Not available

05/12/2006

Monarch Community Bancorp, Inc., Coldwater,

Michigan, to become a bank holding company

by acquiring 100 percent of the voting shares of

Monarch Community Bank, Coldwater,

Michigan.

MONARCH COMMUNITY

BANCORP, INC

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Southwest Bank of St. Louis, St. Louis,

Missouri, to merge with Missouri State Bank

and Trust Company, Clayton, Missouri, and

thereby to establish 8 branches.

SOUTHWEST BANK OF ST.

LOUIS

Newspaper:

Federal Register:

CIC Not available

05/08/2006

Notice by The Valley Community Bancorp, Inc.

Voting Trust and its three trustees, Robert

Hoge, St. Charles, Illinois, Kenneth Kaergard,

St. Charles, Illinois, and Larry Breon, St.

Charles, Illinois, to acquire up to 100 percent of

the voting shares of Valley Community

Bancorp, Inc., St. Charles, Illinois, and thereby

indirectly acquire Valley Community Bank, St.

Charles, Illinois.

VALLEY COMMUNITY

BANCORP, 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

302133 CAMP GROVE ST BK, CAMP GROVE, ILLINOIS 01/09/2006 04/10/2006 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 April 22, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 04/27/2006

establish a branch facility to be located at 1800

South Muskogee, Tahlequah, Oklahoma.

ARVEST BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Enterprise Financial Services Corp., Clayton,

Missouri, to acquire 100 percent of NorthStar

Bancshares, Inc., North Kansas City, Missouri,

and thereby indirectly acquire NorthStar Bank,

National Association, North Kansas City,

Missouri.

ENTERPRISE FINANCIAL

SERVICES CORP

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Triumph Bank, Germantown, Tennessee (in

organization), to become a member of the

Federal Reserve System.

TRIUMPH 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

497851 SECURITY BK, NEWBERN, TENNESSEE 01/09/2006 04/17/2006 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 April 22, 2006

Filing Type Filer Filing Proposal End of Comment Period

NONE

* 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 April 22, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Citizens Bank of Oklahoma, Pawhuska,

Oklahoma, to become a member of the Federal

Reserve System.

CITIZENS BANK OF

OKLAHOMA

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Colorado East Bank and Trust, Lamar,

Colorado, to become a member of the Federal

Reserve System.

COLORADO EAST BANK &

TRUST

Newspaper:

Federal Register:

* 3A3 Not available

05/19/2006

Custer Bancorp., Westcliffe, Colorado, to

acquire 100 percent of the voting shares of

Paonia Financial Services, Inc., parent of

Paonia State Bank, both in Paonia, Colorado.

CUSTER BANCORP.

Newspaper:

Federal Register:

* 3A3 Not available

05/15/2006

Dickinson Financial Corporation II and

Dickinson Financial Corporation, Kansas City,

Missouri, to acquire 100 percent of the voting

shares of Southern Commerce Bank, Tampa,

Florida.

DICKINSON FINANCIAL

CORPORATION II

Newspaper:

Federal Register:

* 3A3 Not available

05/12/2006

The Farmers State Bank of Fort Morgan,

Colorado Employee Stock Ownership Plan, to

acquire up to 38 percent of the voting shares of

FSB Bancorporation of Fort Morgan, Colorado,

parent of Farmers State Bank of Fort Morgan,

all in Fort Morgan, Colorado.

FARMERS STATE BANK OF

FORT MORGAN COLORADO

EMPLOYEE STOCK

OWNERSHIP PLAN, THE

Newspaper:

Federal Register:

* 3A3 Not available

05/19/2006

First Fidelity Bancorp, Inc., Oklahoma City,

Oklahoma, to acquire 100 percent of the voting

shares of Apex Mortgage Company, parent of

Edmond Bank and Trust, both in Edmond,

Oklahoma.

FIRST FIDELITY BANCORP,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First State Bank, Wheatland, Wyoming, to 05/08/2006

establish a branch at 250 West Whalen,

Guernsey, Wyoming.

FIRST STATE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Guarantee State Bank, to establish a branch at 04/29/2006

702 N. Sheridan Road, both in Lawton,

Oklahoma.

GUARANTEE STATE BANK,

THE

Newspaper:

Federal Register:

CIC Not available

Not available

Notification filed by Alan Janzen, Larry R. Cox,

Christopher Vanderneck, Matthew D. Siebert,

Fredrick Regier, Arvid Janzen, and Brian

Janzen, all of Henderson, Nebraska; the Biegert

Family Trust, Laramie, Wyoming; Chuck

Flaming and Sadle Cattle Co., Inc., both of

Paxton, Nebraska; Ronald Preheim, Aurora,

Nebraska; Jeff Pribbeno, Imperial, Nebraska;

and Wesley Kroeker, Enid, Oklahoma, to

acquire control of Henderson State Company,

Henderson, Nebraska, parent of Henderson

State Bank, Henderson, Nebraska.

HENDERSON STATE

COMPANY

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Union State Bank, Arkansas City, Kansas, to

purchase certain assets and assume certain

liabilities of four branches of State Bank,

Winfield, Kansas.

UNION STATE BANK, THE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending April 22, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/11/2006

Notification by Paul C. Bauman and Emily A.

Bauman, both of Tulsa, Oklahoma; and Henry

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

of United Capital Bancshares, Inc., Wyandotte,

Oklahoma, parent of Bank of Wyandotte,

Wyandotte, Oklahoma.

UNITED CAPITAL

BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending April 22, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/11/2006

Notice filed by Voting Trust Agreement, to

retain ownership and control of 77.58 percent

of Coushatta Bancshares, Inc, Coushatta,

Louisiana, and indirectly Bank of Coushatta,

Coushatta, Louisiana. The Trustees and

beneficiaries are Mr. James G. Bethard, Mr.

Robert E. Bethard, both of Coushatta,

Louisiana, and Ms. Suzanne B. Hearne,

Shreveport, Louisiana. The other beneficiaries

of the trust are Mr. Henry William Bethard, III,

Ms. Olive Ann Bethard, Ms. Florence T.

Bethard, and Ms. Rhoda F. Bethard, each of

Coushatta, Louisiana, and Mr. Sanders F.

Hearne and Ms. Shirley Bethard Hegenwald,

both of Shreveport, Louisiana.

COUSHATTA BANCSHARES,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Independent Bank of Texas, Irving, Texas, to 05/10/2006

establish a courier service branch (from its

main office location at 4300 N. Beltline Road,

Irving, Texas 75038) to conduct business in

Collin and Denton Counties of Texas.

INDEPENDENT BANK OF

TEXAS

Newspaper:

Federal Register:

* Branch

Not applicable

PointBank, Pilot Point, Texas, to establish a 05/08/2006

branch office at 1720 Westminster, Denton,

Denton County, Texas 76201.

POINTBANK

* 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

336361 SANGER BK, SANGER, TEXAS 01/23/2006 04/13/2006 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 22, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/30/2006

Notice by the Shen Group, consisting of Bruce

Hsiu-I Shen, Su Chin Lin Shen, Sen Fu Shen,

Faye Shen, Rancho Palos Verdes, California,

Ted Tai-Hsi Shen and Allison Chiang, San

Marino, California, and Hsinya Shen, Palo

Alto, California, to retain 17.2 percent of

American Premier Bancorp, Arcadia,

California, and thereby indirectly retain

ownership in American Premier Bank, Arcadia,

California.

AMERICAN PREMIER

BANCORP

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:

* 3A1

4c8 Not available

1)Idaho Trust Bancorp, Boise, Idaho, to become 05/14/2006

a bank holding company by acquiring 100

percent of Idaho Trust National Bank, Coeur

d'Alene, Idaho, and;2)Idaho Trust Bancorp,

Boise, Idaho, to engage in financial and

investment advisory services through Idaho

Trust Investments, LLC, Boise, Idaho.

Idaho Trust Bancorp

Newspaper:

Federal Register:

* 3A1 05/15/2006

05/18/2006

RiverBank Holding Company, Spokane,

Washington, to become a bank holding

company by acquiring 100 percent of

RiverBank (In Organization), Spokane,

Washington.

RIVERBANK HOLDING

COMPANY

Newspaper:

Federal Register:

* 3A1 Not available

05/08/2006

Skagit State Bancorp to become a bank holding

company by acquiring 100 percent of Skagit

State Bank, both of Burlington, Washington.

SKAGIT STATE BANCORP

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Sterling Financial Corporation, Spokane,

Washingtion, to acquire 100 percent of

Lynnwood Financial Group, and thereby

indirectly acquire Golf Savings Bank,and Golf

Escrow Corporation, all of Mountlake Terrace,

Washington.

STERLING FINANCIAL

CORPORATION

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act