Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 39

Week Ending September 24, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions September 18, 2005 to September 24, 2005

Board Operations

Budget Objective -- for 2006 and 2007.

- Approved, September 19, 2005 

Division of Consumer and Community Affairs -- appointment of Leonard Chanin as 

Associate Director.

- Approved, September 15, 2005 (AC)

Division of Consumer and Community Affairs -- appointment of Sheila F. Maith as 

Assistant Director.

- Approved, September 22, 2005 

Discount Rates

Discount and Advance Rates -- increase in the primary credit rate from 4-1/2 

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

Philadelphia, Richmond, Chicago, St. Louis, Minneapolis, Kansas City, and San 

Francisco.

- Approved, September 20, 2005 

Discount and Advance Rates -- increase in the primary credit rate from 4-1/2 

percent to 4-3/4 percent by the Federal Reserve Bank of St. Louis.

- Approved, September 21, 2005 

Discount and Advance Rates -- increase in the primary credit rate from 4-1/2 

percent to 4-3/4 percent by the Federal Reserve Banks of Cleveland, Atlanta, and 

Dallas.

- Approved, September 22, 2005 

Enforcement

National City Bank, Cleveland, Ohio -- issuance of a final decision and order of 

prohibition against Brian Bonetti, a former employee.

- Approved, September 19, 2005 

Regulations And Policies

Transfer Agent Exemption -- order granting member banks and bank holding 

companies a temporary exemption from complying with transfer agent rules in 

connection with securities transactions for individuals and businesses affected by 

Hurricane Katrina.

- Approved, September 22, 2005 

(AC) = Addition or Correction Board - Page 1 of 2
H.2 Board Actions September 18, 2005 to September 24, 2005

Testimony And Statements

Financial Services Regulatory Relief Act of 2005 -- statement by Governor Olson 

before the Subcommittee on Financial Institutions and Consumer Credit of the 

House Committee on Financial Services.

- Published, September 22, 2005 

(AC) = Addition or Correction Board - Page 2 of 2
September 18, 2005 to September 24, 2005

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

Banco Popular North America, New York, New York -- to establish a branch at 

5601 East Ramon Road, Palm Springs, California.

- Approved, September 22, 2005 

New York

Banco Popular, North America, New York, New York -- to establish a branch at 

3948 West 55th Street and Pulaski Road, Chicago, Illinois.

- Approved, September 22, 2005 

New York

Nevada First Bank, Las Vegas, Nevada -- to establish a branch on Double R 

Boulevard, between South Meadows Parkway and Sandhill Road, Reno.

- Approved, September 20, 2005 

San Francisco

Oak Valley Community Bank, Oakdale, California -- to establish a branch at 5250 

Claremont Avenue, Stockton.

- Approved, September 20, 2005 

San Francisco

Pinnacle Bank, Marshalltown, Iowa -- to establish a branch at 1275 Southeast 

University Avenue, Waukee.

- Approved, September 22, 2005 

Chicago

Potomac Bank of Virginia, Fairfax, Virginia -- to establish a branch at 14231 

Willard Road, Chantilly.

- Approved, September 22, 2005 

Richmond

Premier Bank of Jacksonville, Jacksonville, Illinois -- to establish a branch at 2110 

B Troy Road, Edwardsville.

- Approved, September 22, 2005 

St. Louis

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority September 18, 2005 to September 24, 2005

Bank Branches, Domestic

Riverside Bank of Central Florida, Winter Park, Florida -- to establish branches at 

1017 East Vine Street, Kissimmee, and 4587 and 4589 HC Yates Lane, St. Cloud.

- Withdrawn, September 22, 2005 

Atlanta

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

establish a branch at 210 Knob Hill Road, Mooresville.

- Approved, September 19, 2005 

Richmond

SunTrust Bank, Atlanta, Georgia -- to establish branches at 210 Cobb Parkway, 

South, Marietta; and at the intersection of Route 214 and Pike Ridge Road, 

Edgewater, Maryland. 

- Approved, September 19, 2005 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 415 14th Street, 

Southeast, Washington, D.C.

- Approved, September 19, 2005 

Atlanta

Bank Holding Companies

Florida Gulf Bancorp, Inc., Fort Myers, Florida -- to become a bank holding 

company and to acquire Florida Gulf Bank.

- Withdrawn, September 22, 2005 

Atlanta

Lonoke Bancshares, Inc., Lonoke, Arkansas -- to acquire up to 14.68 percent of the 

shares of First Southern Bank, Batesville.

- Approved, September 19, 2005 

Secretary

Peak Banks of Colorado, Inc., Nederland, Colorado -- to acquire Clear Creek Bank 

Corp., Idaho Springs, and thereby acquire First State Bank.

- Approved, September 19, 2005 

Kansas City

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority September 18, 2005 to September 24, 2005

Bank Holding Companies

River Bancorp, Inc., Martinsville, Virginia -- to become a bank holding company 

and to acquire Smith River Community Bank, N.A.

- Approved, September 19, 2005 

Richmond

Riverland Bancorporation, Jordan, Minnesota -- to become a bank holding company 

and to acquire Riverland Bank, a de novo bank.

- Approved, September 22, 2005 

Minneapolis

UMB Financial Corporation, Kansas City, Missouri -- to acquire UMB Bank 

Arizona, National Association, Phoenix, Arizona, a de novo bank.

- Approved, September 22, 2005 

Kansas City

Zions Bancorporation, Salt Lake City, Utah -- to acquire The Commerce Bank of 

Oregon, Portland, Oregon, a de novo bank.

- Approved, September 23, 2005 

Secretary

Banks, Foreign

The Bank of Ireland, Dublin, Ireland -- waiver of remainder of notification period to 

establish a representative office in Los Angeles, California.

- Granted, September 21, 2005 

Director, BS&R

La Caisse centrale Desjardins du Quebec, Montreal, Canada -- waiver of remainder 

of notification period to establish a branch in Hallandale, Florida.

- Granted, September 21, 2005 

Director, BS&R

Change In Bank Control

Central Bancshares, Inc., Cambridge, Nebraska -- change in bank control.

- Withdrawn, September 20, 2005 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority September 18, 2005 to September 24, 2005

Change In Bank Control

Security Agency, Inc., Decorah, Iowa -- to retain control of Security Agency, Inc.

- Permitted, September 21, 2005 

Chicago

Town & Country Bancshares, Inc., Salem, Missouri -- change in bank control.

- Permitted, September 23, 2005 

St. Louis

Competitive Factors Reports

American State Bank, Lubbock, Texas -- report on competitive factors of the 

proposed merger with First National Bank in Cisco, Cisco.

- Submitted, September 20, 2005 

Dallas

Bremer Bank, National Association, Willmar, Minnesota -- report on competitive 

factors of the proposed merger with Bremer Bank, National Association, Marshall.

- Submitted, September 20, 2005 

Minneapolis

The First National Bank of Bridgeport, Bridgeport, Texas -- report on competitive 

factors of the proposed merger with First Financial Interim Bank, National 

Association, Southlake.

- Submitted, September 23, 2005 

Dallas

Independent Bank, Waco, Texas -- report on competitive factors of the proposed 

merger with First State Bank, Italy.

- Submitted, September 20, 2005 

Dallas

Independent Bank, Waco, Texas -- report on competitive factors of the proposed 

merger with First State Bank, Mount Calm.

- Submitted, September 23, 2005 

Dallas

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority September 18, 2005 to September 24, 2005

Competitive Factors Reports

Sonabank, National Association, Charlottesville, Virginia -- report on competitive 

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

liabilities of the Clifton Forge branch of First Community Bank, National 

Association, Bluefield.

- Submitted, September 21, 2005 

Richmond

United Commercial Bank, San Francisco, California -- report on competitive factors 

of the proposed merger with Asian American Bank & Trust Company, Boston, 

Massachusetts.

- Submitted, September 22, 2005 

San Francisco

Extensions Of Time

Bearden Bancshares, Inc., Bearden, Arkansas -- extension to November 22, 2005, to 

engage in general insurance agency activities in a town with a population of less 

than 5,000 through the acquisition of BBI Insurance Agency, Inc.

- Granted, September 21, 2005 

St. Louis

CNLBancshares, Inc., Orlando, Florida -- extension to January 29, 2006, to acquire 

CNLBank, First Coast, Jacksonville, a de novo bank.

- Granted, September 20, 2005 

Atlanta

NBT Bancorp Inc., Norwich, New York -- commenter's request to extend the 

comment period on the application to acquire CNB Bancorp, Inc., Gloversville.

- Granted, September 19, 2005 

Secretary

Prairieland Bancorp Employee Stock Ownership Plan and Trust, Bushnell, Illinois -- 

extension to January 4, 2006, to increase its ownership from 44.97 percent to 49.69 

percent of the shares of Prairieland Bancorp, Inc. and thereby acquire Farmers and 

Merchants State Bank of Bushnell.

- Granted, September 21, 2005 

Chicago

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority September 18, 2005 to September 24, 2005

Financial Holding Companies

Columbian Financial Corporation, Overland Park, Kansas -- election to become a 

financial holding company.

- Effective, September 21, 2005 

Kansas City

DBT Holding Company, Vidalia, Georgia -- election to become a financial holding 

company.

- Effective, September 21, 2005 

Atlanta

DEPFA BANK plc, Dublin, Ireland -- election to be treated as a financial holding 

company.

- Effective, September 22, 2005 

Director, BS&R

Membership

Bank Iowa, Denison, Iowa -- to become a member of the Federal Reserve System.

- Approved, September 20, 2005 

Chicago

Regulations And Policies

Short-term Interest Rates -- increase in the target for the federal funds rate from 3-

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

- Approved, September 20, 2005 

FOMC

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

Federal Reserve Bank of Boston

Filings received during the week ending September 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 10/14/2005

Application by Butler Bancorp, MHC and

Butler Bancorp, Inc., both of Lowell,

Massachusetts, to become a mutual bank

holding company and a stock bank holding

company, respectively, by acquiring Butler

Bank, Lowell, Massachusetts, pursuant to

section 3(a)(1) and section 3(a)(3) of the Bank

Holding Company Act of 1956, as amended.

BUTLER BANCORP, MHC

Newspaper:

Federal Register:

* 3A3 10/07/2005

10/10/2005

Application by Southern Connecticut Bancorp,

Inc., New Haven, Connecticut to acquire 100%

of the voting shares of The Bank of

Southeastern Connecticut, New London,

Connecticut, a de novo bank, pursuant to

section 3(a)(3) of the Bank Holding Company

Act of 1956, as amended.

SOUTHERN CONNECTICUT

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 September 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Millbrook, Millbrook, NY application 09/23/2005

for a branch office located at 5094 Route 22,

Amenia, NY

BANK OF MILLBROOK

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A. (Citibank) and its Edge

corporation subsidiary, Citibank Overseas

Investment Corporation (COIC) 30 days' Prior

Notice under Section 211.9(f) of Reg. K for

COIC to make two additional investments in

excess of the individual limits set forth in

Section 211.9(c)(1) of Regulation K in Citicorp

Finance (India) Limited

CITIBANK, N.A.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Deutsche Genossenschafts-Hypothekenbank

AG, Hamburg, Germany, requests prior

approval to establish a NY rep office.

DEUTCHE

GENOSSENSCHAFTS-HYPOTH

EKENBANK AG

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Application by Magyar Bancorp, MHC and

Magyar Bancorp, Inc., both of New Brunswick,

New Jersey, for prior approval of the Board to

control directly and indirectly, respectively,

100% of the voting shares of Magyar Bank,

New Brunswick, New Jersey.

Magyar Bancorp, MHC

Newspaper:

Federal Register:

* 3A5 Not available

10/17/2005

New York Community Bancorp, Inc.,

Westbury, New York, requests approval to

acquire Long Island Financial Corp., and Long

Island Commercial Bank, both of Islandia, New

York, pursuant to Section 3(a)(5) of Regulation

Y.

NEW YORK COMMUNITY

BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

10/20/2005

The Toronto-Dominion Bank, Toronto,

Ontario, Canada, and TD Banknorth Inc.,

Portland, Maine, propose to acquire 100 percent

of the voting shares of Hudson United Bancorp,

and it wholly-owned subsidiary, Hudson United

Bank, both of Mahwah, New Jersey, pursuant to

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

Act, and Section 225.15 of Regulation Y.

TORONTO-DOMINION BANK,

THE

* 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 September 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

Penn Bancshares, Inc., Pennsville, NJ, to 10/20/2005

purchase 24.89% of the voting shares of

Harvest Community Bank, Pennsville, NJ.

PENN BANCSHARES, INC.

* 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 September 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending September 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Farmers & Merchants Bank, Timberville, 09/28/2005

Virginia to establish a branch at 1085 Port

Republic Road, Harrisonburg, Virginia.

FARMERS & MERCHANTS

BANK

Newspaper:

Federal Register:

* Branch

Not applicable

James Monroe Bank, Arlington, Virginia, to 09/28/2005

establish a branch at 12165 Darnestown Road,

Gaithersburg, Maryland.

JAMES MONROE BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Virginia Heritage Bank, Fairfax, Virginia, an

organizing bank, to become a member of the

Federal Reserve System.

VIRGINIA HERITAGE BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending September 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Alarion Financial Services, Inc., Ocala, Florida,

notice to become a bank holding company by

acquiring 100 percent of the outstanding shares

of Alarion Bank, Ocala, Florida.

Alarion Financial Services, Inc.

Newspaper:

Federal Register:

* Branch

Not applicable

Aliant Bank, Alexander City, Alabama, to 09/23/2005

establish a branch located at 50 Jimmy Gould

Drive, Alabaster, Alabama.

ALIANT BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco Popular Espanol, S.A., Madrid, Spain, to

establish an international representative office

in Miami, Florida.

BANCO POPULAR ESPANOL,

S.A.

Newspaper:

Federal Register:

* Branch

Not applicable

Capital City Bank, Tallahassee, Florida, to 10/30/2005

establish a branch located at 1601 Bass Road,

Macon, Georgia.

CAPITAL CITY BANK

Newspaper:

Federal Register:

4c8 Not applicable

10/11/2005

Cornerstone Bancshares, Inc., Chattanooga,

Tennessee, to acquire 100 percent of the

outstanding shares of Eagle Financial LLC.,

and Eagle Funding, LLC, both of Chattanooga,

Tennessee, and thereby provide factoring

services to small businesses and also provide

services as a loan broker serving as a facilitator

to small businesses to access the national credit

markets, pursuant to section 225.28(b)(1) of

Regulation Y and section 4(c)(8) of the Bank

Holding Company Act.

CORNERSTONE

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

09/29/2005

General Bancshares, Inc., Jasper, Tennessee,

prior change in control filed by Robert Thomas,

Monteagle, Tennessee; Robert Thomas, Jr.,

Signal Mountain, Tennessee; David Thomas,

Chattanooga, Tennessee; and Frank Thomas;

Monteagle, Tennessee, to aquire 3.60 percent of

the outstanding stock of General Bancshares,

Inc., and its subsidiary bank, Citizens State

Bank, both of Jasper, Tennessee. Pro forma

total ownership will be 27.35 percent.

GENERAL BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

09/29/2005

General Bancshares, Inc., Jasper, Tennessee,

prior change in control filed by Clara Brown,

Jasper, Tennessee, to acquire 1.62 percent of

the outstanding stock of General Bancshares,

Inc., and its subsidiary bank, Citizens State

Bank, Jasper, Tennessee. Pro forma total

ownership will be 12.32 percent.

GENERAL BANCSHARES, INC.

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

Federal Reserve Bank of Atlanta

Filings received during the week ending September 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 10/09/2005

10/11/2005

Jeanerette First National Bancorp, Inc.,

Jeanerette, Louisiana, prior change in control

notice filed by William Schwing Patout, III,

Franklin, Louisiana; Robert Bernadas Patout

and his wife, Judith Hill Patout, Jeanerette,

Louisiana, and Rivers Martin Patout,

Jeanerette, Louisiana; to acquire an additional

4.9 percent of the outstanding shares of

Jeanerette First National Bancorp, Inc.,

Jeanerette, Louisiana, and its subsidiary, First

National Bank of Jeanerette, Jeanerette,

Louisiana. Total ownership will equal 25.07

percent.

JEANERETTE FIRST

NATIONAL BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 10/02/2005

09/29/2005

OMNI BANCSHARES, INC., Metairie,

Louisiana, to acquire 100 percent of the

outstanding shares of voting stock of OMNI

BANK of Baton Rouge, Baton Rouge,

Louisiana (in organization).

OMNI BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 09/23/2005

establish a branch located at 443F St. Armand's

Circle, Sarasota, Florida.

REGIONS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Riverside Bank of Central Florida, Winter Park, 09/29/2005

Florida, to establish branches at the following

locations: 1017 E. Vine Street, Kissimmee,

Florida, to be known as the Kissimmee Korners

Office; and 4587 & 4589 HC Yates Lane, St.

Cloud, Florida, to be known as the St. Cloud

Office.

RIVERSIDE BANK OF

CENTRAL FLORIDA

* 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 September 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

1st Source Bank, South Bend, Indiana, to 09/30/2005

establish a branch facility to be located at 1200

Nappanee Street, Elkhart, Indiana.

1ST SOURCE BANK

Newspaper:

Federal Register:

* 3A3 Not available

10/13/2005

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited I,

Lansing, Michigan, to acquire 51 percent of the

voting shares of Bank of Belleville (in

organization), Belleville, Illinois.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A1 Not available

09/19/2005

CCB Acquisition Corp., Oak Brook, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of Citizens

Central Bancorp, Inc., Macomb, Illinois, and

thereby indirectly acquire Citizens National

Bank, Macomb, Illinois.

CCB ACQUISTION CORP

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 3001 N.

Tamiami Trail, Naples, Florida.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 10/01/2005

a branch facility to be located at 850 NW

Federal Highway, Suite 170, Stuart, Florida.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 09/30/2005

a branch facility to be located at 3200 North

Central Avenue, Phoenix, Arizona.

COMERICA BANK

Newspaper:

Federal Register:

4c8 Not applicable

10/07/2005

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

acquire at least 15 percent of Textura, L.L.C.,

Lake Bluff, Illinois, and thereby to engage in

providing data processing services.

FIRST MIDWEST BANCORP,

INC.

Newspaper:

Federal Register:

* 3A1

Not available

Integrity First Bancorporation, Inc., Wausau, 10/08/2005

Wisconsin, to become a bank holding company

by acquiring 100 percent of the voting shares of

Integrity First Bank (in organization), Wausau,

Wisconsin.

Integrity First Bancorporation,

Inc.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Reg K - Northern Trust International Banking

Corporation, New York, New York, proposes to

establish and invest in Northern Operating

Services Private Limited, Bangalore, India, and

thereby to engage in providing data processing,

operating and related services.

NORTHERN TRUST

INTERNATIONAL BANKING

CORPORATION, THE

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Odgen BancShares, Inc., Ames, Iowa, proposes

to engage de novo in extending credit and

servicing loans.

OGDEN BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Tower Bank & Trust Company, Fort Wayne, 10/07/2005

Indiana, to establish a branch facility to be

located at 6400 W. Jefferson Blvd., Fort Wayne,

Indiana.

TOWER BANK & TRUST

COMPANY

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending September 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 10/04/2005

10/11/2005

Notice by The First National Bank of Raymond

Employee Stock Ownership Plan, Raymond,

Illinois, individually, and as a control group

with its trustees, Patricia L. Clarke,

Farmersville, Illinois; Larry J. Herron, Girard,

Illinois; and Neil T. Jordan, Morrisonville,

Illinois, to retain control of Raymond Bancorp,

Inc., Raymond, Illinois.

RAYMOND BANCORP, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending September 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

10/11/2005

Abdo Investments, Inc., Edina, Minnesota, to

become a bank holding company by acquiring

up to 24.2 percent of Rivers Ridge Holding

Company, Edina, Minnesota, which owns

BankVista, Sartell, Minnesota.

ABDO INVESTMENTS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/06/2005

Bridgewater Bancshares, Inc., Bloomington,

Minnesota to become a bank holding company

by acquiring 100% of Bridgewater Bank,

Bloomington, Minnesota, a de novo bank.

BRIDGEWATER

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

10/17/2005

Davis Bancshares, Inc., McClusky, North

Dakota, to merge with Underwood Holding

Company, Underwood, North Dakota, and

thereby indirectly acquire First Security Bank,

Underwood, North Dakota.

DAVIS BANCSHARES, INC

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending September 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Community Banks of Colorado, Greenwood 10/20/2005

Village, to establish a branch at 409 E. Main

Street, Buena Vista, both in Colorado.

COMMUNITY BANKS OF

COLORADO

Newspaper:

Federal Register:

CIC 08/21/2005

08/19/2005

Notification by the William M. Cameron 2004

Family Trust, Oklahoma City, Oklahoma, and

its trustees, Kenneth D. Klehm, Edmond,

Oklahoma, and G. Blake Hogan, Houston,

Texas; and the Lynda L. Cameron 2004 Trust,

and its trustees, John W. Rex and Theodore M.

Elam, all of Oklahoma City, Oklahoma, to

retain control of First Fidelity Bancorp, Inc.,

parent of First Fidelity Bank, N.A., both in

Oklahoma City, Oklahoma.

FIRST FIDELITY BANCORP,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Rocky Mountain Bank, Rock Springs, 09/09/2005

Wyoming, to establish a branch at 14 North

Sublette Avenue, Pinedale, Wyoming.

ROCKY MOUNTAIN BANK

* 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 September 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 10/09/2005

10/13/2005

FC Holdings, Inc., Houston, Texas, and FC

Holdings of Delaware, Inc., Wilmington,

Delaware, to acquire 100 percent of Lake Area

National Bank, Trinity, Texas.

FC HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Patriot Bancshares, Inc., Ladonia, Texas

(currently named Quadco Bancshares, Inc.,

Ladonia, Texas), to acquire 100 percent of

Patriot Bank, Houston, Texas.

QUADCO BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending September 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/10/2005

Cathay General Bancorp, Los Angeles,

California, to acquire up to 100 percent of Great

Eastern Bank, New York, New York.

CATHAY GENERAL BANCORP

Newspaper:

Federal Register:

CIC Not available

10/11/2005

Notice by Enoch Andrus Ludlow to retain his

ownership in Far West Bancorporation, Provo,

Utah, and thereby indirectly increase his

ownership in Far West Bank, Provo, Utah.

FAR WEST

BANCORPORATION

* 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