Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 1

Week Ending January 7, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions January 1, 2006 to January 7, 2006

Forms

Forms -- final Board review to extend without revision the Recordkeeping and 

Disclosure Requirements in Connection with Regulation B (Equal Credit 

Opportunity) and Recordkeeping and Disclosure Requirements in Connection with 

Regulation E (Electronic Funds Transfer).

- Approved, January 6, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
January 1, 2006 to January 7, 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

Banco Popular North America, New York, New York -- to establish branches at 

1540 East 2nd Street, Beaumont, California; 888 Disneyland Drive, Anaheim; 1861 

South San Jacinto Avenue, San Jacinto; and 34500 Monterey Avenue, Palm Desert.

- Approved, January 3, 2006 

New York

CapitalSouth Bank, Birmingham, Alabama -- to establish a branch at 10161 

Centurion Parkway North, Jacksonville, Florida.

- Approved, January 4, 2006 

Atlanta

Compass Bank, Birmingham, Alabama -- to establish a branch at The Mall at Sierra 

Vista, 2000 South Highway 92, Sierra Vista, Arizona.

- Approved, January 4, 2006 

Atlanta

Gateway Bank & Trust Co., Elizabeth City, North Carolina -- to establish a branch 

at 537-539 West 21st Street, Norfolk, Virginia.

- Approved, January 4, 2006 

Richmond

Gateway Bank & Trust Co., Elizabeth City, North Carolina -- to establish a branch 

at 5406 North Croatan Highway, Southern Shores.

- Approved, January 5, 2006 

Richmond

Paradise Bank, Boca Raton, Florida -- to establish a branch at 640 North Federal 

Highway, Fort Lauderdale.

- Approved, January 5, 2006 

Atlanta

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

Bank Branches, Domestic

Regions Bank, Birmingham, Alabama -- to establish a branch at 2660 East 

Commercial Boulevard, Fort Lauderdale, Florida.

- Approved, January 3, 2006 

Atlanta

Regions Bank, Birmingham, Alabama -- to establish branches at 4354 

Lawrenceville Highway, Lilburn, Georgia, and 3880 LaVista Road, Tucker.

- Approved, January 3, 2006 

Atlanta

Regions Bank, Birmingham, Alabama -- to establish branches at 149 Columbiana 

Drive, Columbia, South Carolina, and 5490 Forest Drive.

- Approved, January 3, 2006 

Atlanta

Regions Bank, Birmingham, Alabama -- to establish a branch at 2419 Cheshire 

Bridge Road Northeast, Atlanta, Georgia.

- Approved, January 3, 2006 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 27 Broad Street, 

Manakin, Virginia.

- Approved, January 6, 2006 

Secretary

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at 7830 

Backlick Road, Springfield.

- Approved, January 5, 2006 

Richmond

Bank Holding Companies

Atlantic Bancshares, Inc., Bluffton, South Carolina -- to become a bank holding 

company and to acquire Atlantic Community Bank, a de novo bank.

- Approved, January 3, 2006 

Richmond

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

Bank Holding Companies

BV Bancshares, Inc., Minneapolis, Minnesota -- to become a bank holding company 

and to acquire Stonebridge Bank, a de novo bank.

- Approved, January 5, 2006 

Minneapolis

Capitol Bancorp Ltd., Lansing, Michigan, and Capitol Development Bancorp 

Limited III -- to acquire 51 percent of the shares of Community Bank of Rowan, 

Salisbury, North Carolina, a de novo bank.

- Approved, January 5, 2006 

Chicago

CheckSpring Community Corporation, Bronx, New York, a Delaware corporation -- 

to become a bank holding company and to acquire CheckSpring Bank, in 

organization.

- Approved, January 6, 2006 

New York

Clayton Bancorp, Inc., Henderson, Tennessee -- to merge with Bancshares of 

Camden, Inc., Camden, and thereby acquire Bank of Camden; and to engage in the 

activities of reinsuring credit life, credit accident, and health insurance through the 

acquisition of BOC Reinsurance Company, Ltd., Crossville.

- Approved, January 6, 2006 

St. Louis

Clayton Bancorp, Inc., Henderson, Tennessee -- to acquire BOC Reinsurance 

Company, Ltd., Turks and Caicos Islands, British West Indies.

- Approved, January 6, 2006 

Director, BS&R

King Bancorp, Inc., Louisville, Kentucky -- to engage in lending.

- Approved, January 4, 2006 

St. Louis

Liberty Shares, Inc., Hinesville, Georgia -- to acquire Peoples Banking Corporation, 

Blackshear, and thereby acquire Peoples Bank.

- Approved, January 6, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority January 1, 2006 to January 7, 2006

Bank Holding Companies

Western State Bancshares, Inc., Waterloo, Nebraska -- to become a bank holding 

company and to acquire Western State Bank.

- Approved, January 4, 2006 

Kansas City

Bank Premises

Orrstown Bank, Shippensburg, Pennsylvania -- to increase its investment in bank 

premises and establish a branch at 201 South Cleveland Avenue, Hagerstown, 

Maryland.

- Approved, January 6, 2006 

Secretary

Banks, Foreign

Kreditanstalt fur Wiederaufbau, Frankfurt, Germany -- to establish a representative 

office in New York, New York.

- Approved, January 3, 2006 

Director, BS&R

Change In Bank Control

Northern Bancorp, Inc., Woburn, Massachusetts -- change in bank control.

- Withdrawn, January 6, 2006 

Boston

Solomon Bancshares, Inc., Solomon, Kansas -- to retain control of Solomon 

Bancshares, Inc.

- Permitted, January 5, 2006 

Kansas City

Wells Bancshares, Inc., Platte City, Missouri -- change in bank control.

- Permitted, January 3, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority January 1, 2006 to January 7, 2006

Competitive Factors Reports

American Bank of Texas, N.A., Marble Falls, Texas -- report on competitive factors 

of the proposed merger with American Bank of Texas-Seguin, Seguin.

- Submitted, January 5, 2006 

Dallas

Cardinal Bank, McLean, Virginia -- report on competitive factors of the proposed 

purchase of certain assets and assumption of one deposit liability of FBR National 

Trust Company, Bethesda, Maryland.

- Submitted, January 6, 2006 

Secretary

Castle Bank and Trust Company, Meriden, Connecticut -- report on competitive 

factors of the proposed merger with Nutmeg Interim Bank.

- Submitted, January 6, 2006 

Boston

Community Bank, Cabot, Arkansas -- report on competitive factors of the proposed 

merger with Community Home Lenders of Arkansas, Inc.

- Submitted, January 5, 2006 

St. Louis

Farmington Savings Bank, Farmington, Connecticut -- report on competitive factors 

of the proposed merger with an interim stock savings bank in connection with the 

conversion of Farmington Savings Bank to a mutual bank holding company 

structure.

- Submitted, January 5, 2006 

Boston

First National Bank in Port Lavaca, Port Lavaca, Texas -- report on competitive 

factors of the proposed merger with Seaport Bank, Seadrift.

- Submitted, January 6, 2006 

Dallas

GE Money Bank, Salt Lake City, Utah -- report on competitive factors of the 

proposed acquisition of certain assets of HSBC Bank Nevada, Las Vegas, Nevada.

- Submitted, January 5, 2006 

San Francisco

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority January 1, 2006 to January 7, 2006

Competitive Factors Reports

Midwest Bank, Detroit Lakes, Minnesota -- report on competitive factors of the 

proposed merger with Midwest Bank, National Association, Parkers Prairie.

- Submitted, January 5, 2006 

Minneapolis

The National Bank of Blacksburg, Blacksburg, Virginia -- report on competitive 

factors of the proposed merger with Bank of Tazewell County, Tazewell.

- Submitted, January 5, 2006 

Richmond

Northwest Savings Bank, Warren, Pennsylvania -- report on competitive factors of 

the proposed merger with Maryland Permanent Bank & Trust Company, Owings 

Mills, Maryland.

- Submitted, January 6, 2006 

Cleveland

Patriots Bank, Garnett, Kansas -- report on competitive factors of the proposed 

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

branch of Gardner National Bank, Gardner.

- Submitted, January 6, 2006 

Kansas City

Seaport Bank, Seadrift, Texas -- report on competitive factors of the proposed 

merger with Interim FNB, Inc., Port Lavaca.

- Submitted, January 6, 2006 

Dallas

Sovereign Bank, Wyomissing, Pennsylvania -- report on competitive factors of the 

proposed merger with Independence Community Bank, Brooklyn, New York.

- Submitted, January 4, 2006 

Philadelphia

State Bank, La Grange, Texas -- report on competitive factors of the proposed 

merger with The Express Bank of Texas, Round Rock.

- Submitted, January 6, 2006 

Dallas

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority January 1, 2006 to January 7, 2006

Extensions Of Time

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

Industries Ltd., Atlit -- commenter's request to extend the comment period on the 

application to acquire Investec (US) Incorporated, New York, New York.

- Denied, January 6, 2006 

Secretary

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

extension to April 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, January 4, 2006 

Chicago

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on December 13, 2005.

- Published, January 3, 2006 

FOMC

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

Federal Reserve Bank of Boston

Filings received during the week ending January 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Notification by Anglo Irish Bank Corporation

plc, Dublin, Ireland to incorporate its existing

Boston and New York representative offices.

ANGLO IRISH BANK

CORP.,PLC

Newspaper:

Federal Register:

* 3A1 Not available

02/06/2006

Meridian Interstate Bancorp, Inc., East Boston,

Massachusetts, to become a mid-tier stock

bank holding company of Meridian Financial

Services, Inc., East Boston, Massachusetts, by

acquiring East Boston Savings Bank, East

Boston, Massachusetts, pursuant to sections

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

Meridian Interstate Bancorp, Inc.

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Filings received during the week ending January 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Interchange Bank, Saddle Brook, New Jersey, 01/06/2006

request to open a full service branch located at

8901 Bergenline Avenue, North Bergen, New

Jersey.

INTERCHANGE BANK

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 01/27/2006

New York Community Bancorp, Inc. and its

wholly- owned subsidiary, New York

Community Newco, Inc., both of Westbury,

NY, to acquire 100 percent of Atlantic Bank of

New York, New York, NY, pursuant to

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

NEW YORK COMMUNITY

BANCORP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Rabobank International Holding B.V., Utrecht,

The Netherlands, Utrecht-American Holdings,

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

Centro, California, for prior approval of the

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

Holding Company Act of 1956, as amended, to

acquire several loans in connection with the

acquisition of Central Coast Bancorp, Salinas,

California.

RABOBANK INTERNATIONAL

HOLDING B.V.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Export-Import Bank of Ukraine ("EXIM

Bank")Kiev, Ukraine, to establish a

representative office in New York, New York,

pursuant to Section 10(a) of the International

Banking

Act of 1978, as amended, and Section

211.24(a)(1) of Regulation K.

State Export-Import Bank of

Ukraine, Inc.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 01/20/2006

TrustCo Bank Corp NY, Glenville, New York,

("TrustCo"), a savings and loan holding

company, application, under Section 3(a)(1) of

the BHC Act, to become a bank holding

company through the acquisition of Ballston

Spa Bancorp, Inc., and its subsidiary Bank,

Ballston Spa National Bank, both of Ballston

Spa, New York. TrustCo also seeks prior

approval to engage in certain nonbanking

activities through the retention of its savings

association subsidiary, Trustco Bank, pursuant

to Section 4(c)(8) of the BHC Act.

TRUSTCO BANK CORP NY

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending January 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending January 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/09/2006

12/23/2005

Interagency Notice of Change in Bank Control

filed by Mr. Jay L. Dunlap, Lincoln, NB acting

as attorney and agent on behalf of Mark

Dunlap to vote 58.25 shares or 55.48% of the

outstanding voting shares of New Richmond

Bancorporation, New Richmond, OH.

NEW RICHMOND

BANCORPORATION

* 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 January 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

Not available

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

acquire 100% of Integrity Financial

Corporation, Hickory, North Carolina, and

thereby indirectly acquire First Gaston Bank of

North Carolina, Gastonia, North Carolina

(prior to the acquisition, Integrity Financial

Corporation's other existing banking

subsidiary, Catawba Valley Bank, Hickory,

North Carolina, would be merged with and

into First Gaston Bank of North Carolina).

FNB Corp. also proposes to acquire Integrity

Financial Corporation's nonbanking

subsidiaries, Integrity Securities, Inc., and

Community Mortgage Corporation of North

Carolina, both of Hickory, North Carolina.

FNB CORP.

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending January 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/05/2006

01/06/2006

BJC Holdings, Inc., Graceville, Florida,

after-the-fact change in control notice filed by

Thomas W. Wilder, III, Slocomb, Alabama,

and Thomas W. Wilder, IV, Marianna,

Florida, to retain 92.28 percent of the

outstanding shares of BJC Holdings, Inc.,

Graceville, Florida, and its subsidiary, Bank of

Jackson County, Graceville, Florida.

BJC HOLDINGS,INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 01/12/2006

establish a branch located at 13388 North

Freeway, Ft. Worth, Texas, to be known as the

Ft. Worth - North Freeway Branch.

COMPASS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Orion Bank, Naples, Florida, to establish a 01/20/2006

branch located at 631 U.S. Highway One, Suite

411, North Palm Beach, Florida, to be known

as the North Palm Beach Office.

ORION BANK

Newspaper:

Federal Register:

* 3A5 02/04/2006

01/31/2006

Whitney Holding Corporation, New Orleans,

Louisiana, to merge with First National

Bancshares, Inc., and thereby acquire its

subsidiary, 1st National Bank and Trust, both

of Bradenton, Florida.

WHITNEY HOLDING

CORPORATION

* 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 January 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

1st Source Bank, South Bend, Indiana, to 01/06/2006

establish a branch facility to be located at 3267

Northview Drive, Elkhart, Indiana.

1ST SOURCE BANK

Newspaper:

Federal Register:

* 3A3 Not available

Member 01/03/2006

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

100 percent of the voting shares of Corridor

State Bank (in organization), Coralville, Iowa,

and for Corridor State Bank (in organization),

Coralville, Iowa, to become a member in the

Federal Reserve System.

AJJ BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Capitol Bancorp, Ltd., Lansing, Michigan, to

acquire 51 percent of the voting shares of Bank

of Valdosta (in organization), Valdosta,

Georgia.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 4c8 Not available

* 3A3 12/19/2005

MainSource Financial Group, Inc.,

Greensburg, Indiana, to acquire 100 percent of

the voting shares of Union Community

Bancorp, Crawfordsville, Indiana, and thereby

indirectly acquire Union Federal Savings and

Loan Association, Crawfordsville, Indiana.

The Savings Association will merge into

MainSource Bank-Crawfordsville, a newly

formed Indiana state-chartered commercial

bank.

MAINSOURCE FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

01/10/2006

Notice by Jay Elliot Bell, Chicago, Illinois, to

retain control of 79.6 percent of Rochester

State Bankshares, Inc., Rochester, Illinois, and

thereby retain indirect control of Rochester

State Bank, Rochester, Illinois.

ROCHESTER STATE

BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by William R. Brouwer and Renee A.

Brouwer, to retain control of TeamCo., Inc.,

Oak Lawn, Illinois, and thereby acquire Oak

Lawn Bank, Oak Lawn, Illinois.

TEAMCO, 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

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 January 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/26/2006

02/02/2006

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

Employee Stock Ownership Plan, Newport,

Arkansas, to become a bank holding company

by acquiring an additional 1.63 percent for

total ownership of 26.58 percent of M&P

Community Bancshares, Inc., Newport,

Arkansas, and thereby indirectly acquire

Greers Ferry Lake State Bank, Heber Springs,

Arkansas, and Merchants & Planters Bank,

Newport, Arkansas. Also elects to become a

financial holding company. 

M&P COMMUNITY

BANCSHARES, INC. 401(K)

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

* Branch

Not applicable

Mid America Bank & Trust Company, Dixon, 01/05/2006

Missouri, to establish a branch facility to be

located at 960 South Bishop, Rolla, Missouri.

MID AMERICA BANK &

TRUST COMPANY

* 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 January 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

01/20/2006

BlackRidge Financial, Inc., Fargo, North

Dakota, to become a bank holding company by

acquiring 100 percent of Valley Bancshares,

Inc., Nisswa, Minnesota, thereby indirectly

aquiring Lakewood Bank N.A., Baxter,

Minnesota. Also, to retain its indirect 17.11

percent ownership in Union Bancshares, Inc.,

Fargo, North Dakota, which owns Union State

Bank of Fargo, Fargo, North Dakota.

BLACKRIDGE FINANCIAL,

INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending January 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Enterprise Holding Company, Omaha,

Nebraska, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of Enterprise Bank, N.A.,

Omaha, Nebraska.

ENTERPRISE HOLDING

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

First Community Bank, Taos, New Mexico, to 01/06/2006

establish a branch at 4582 South Ulster Street,

Suite 650, Denver, Colorado.

FIRST COMMUNITY BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Gregg Bancshares, Inc., Nixa, Missouri, to

become a bank holding company through the

acquisition of 97.4 percent of the voting shares

of Glasgow Savings Bank, Glasgow, Missouri.

GREGG BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Hulett Holding Company, to become a bank

holding company through the acquisition of

66.67 percent of the voting shares of Summit

National Bank, both in Hulett, Wyoming.

Hulett Holding Company

Newspaper:

Federal Register:

* 3A3 01/21/2006

01/27/2006

Tonganoxie Bankshares, Inc., Tonganoxie,

Kansas, to acquire 53 percent of the voting

shares of Overbrook Bankshares, Inc., parent

of First Security Bank, both in Overbrook,

Kansas.

TONGANOXIE BANKSHARES,

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 January 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice by Citizens Bankshares of Springhill, 01/24/2006

Inc., ESOP, Springhill, Louisiana, and Argent

Trust, A Division of National Independent

Trust Co., Trustee, West Monroe, Louisiana, to

retain ownership and control of 10.53 percent

of Citizens Bankshares of Springhill, Inc.,

Springhill, Louisiana, and indirectly Citizens

Bank & Trust Company, Springhill, Louisiana.

CITIZENS BANKSHARES OF

SPRINGHILL, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending January 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/26/2006

02/03/2006

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

Creek Capital III LLC, Eggemeyer Capital

LLC, and Ruh Capital LLC, all of Rancho

Santa Fe, California, to become bank holding

companies by acquiring 89 percent of LDF,

Inc., and thereby indirectly acquire its

wholly-owned subsidiary, Labe Bank, both of

Chicago, Illinois.

CASTLE CREEK CAPITAL

PARTNERS III, L.P.

Newspaper:

Federal Register:

* 4c8 02/03/2006

02/03/2006

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

Creek Capital III LLC, Eggemeyer Capital

LLC, and Ruh Capital LLC, all of Rancho

Santa Fe, California,to acquire 24.9 percent of

Atlanta Bancorporation, Inc., Alpharetta,

Georgia, and thereby indirectly acquire

Gibsonville Community Bank, Inc.,

Gibsonville, North Carolina, a state savings

bank.

CASTLE CREEK CAPITAL

PARTNERS III, L.P.

Newspaper:

Federal Register:

* 4c8 Not available

01/30/2006

Cathay General Bancorp, Los Angeles,

California, to acquire an equity interest up to

14.9 percent of the stock of Broadway

Financial Corporation, Los Angeles,

California, and thereby indirectly acquire

Broadway Federal Bank, FSB, Los Angeles,

California.

CATHAY GENERAL

BANCORP

Newspaper:

Federal Register:

* Branch

Not applicable

County Bank, Merced, California, to establish 01/06/2006

a branch facility to be located at the southeast

corner of Herndon and Fowler Avenues,

Clovis, California.

COUNTY BANK

Newspaper:

Federal Register:

* Branch

Premises Not applicable

Farmers & Merchants Bank of Long Beach, 12/23/2005

Long Beach, California, to establish a branch

facility at 4695 MacArthur Court, Suites 130

and 150, Newport Beach, California, and to

increase its investment in bank premises.

FARMERS AND MERCHANTS

BANK OF LONG BEACH

* 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