Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 14

Week Ending April 8, 2006

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

Forms

Forms -- final Board review to extend without revision the Bank Holding Company 

Report of Insured Depository Institutions' Section 23A Transactions with Affiliates 

(FR Y-8), and to discontinue the Weekly Report of Eurodollar Liabilities Held by 

Selected U.S. Addresses at Foreign Offices of U.S. Banks (FR 2050) and Report of 

Repurchase Agreements (RPs) on U.S. Government and Federal Agency Securities 

with Specified Holders (FR 2415).

- Approved, March 31, 2006 (AC)

(AC) = Addition or Correction Board - Page 1 of 1
April 2, 2006 to April 8, 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

Eastern Michigan Bank, Croswell, Michigan -- to establish a branch at 2970 Gratiot 

Boulevard, Marysville.

- Approved, April 3, 2006 

Chicago

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

of Aloma Avenue and Tuskawilla Road, Oviedo, Florida.

- Approved, April 4, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 7700 Nemco 

Way, Brighton.

- Approved, April 4, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 3754 

Rochester Road, Troy.

- Approved, April 4, 2006 

Cleveland

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

of Beville Road and Clyde Morris Boulevard, Daytona Beach, Florida.

- Approved, April 4, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2325 

Southlake Mall, Merrillville, Indiana.

- Approved, April 7, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 222 South 

Riverside Plaza, Chicago, Illinois.

- Approved, April 7, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority April 2, 2006 to April 8, 2006

Bank Branches, Domestic

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

of Broadway and Addison Streets, Chicago, Illinois.

- Approved, April 7, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 161 North 

Clark Street, Chicago, Illinois.

- Approved, April 7, 2006 

Cleveland

Guaranty Bank and Trust Company, Denver, Colorado -- to establish a branch at 

290 Nickel Street, Suite 300, Broomfield.

- Approved, April 5, 2006 

Kansas City

Irwin Union Bank and Trust Company, Columbus, Indiana -- to establish a branch at 

707 Creekview Drive.

- Withdrawn, April 5, 2006 

Chicago

Placer Sierra Bank, Auburn, California -- to establish a branch at 5 River Park Place 

West, Fresno.

- Approved, April 6, 2006 

Secretary

Regions Bank, Birmingham, Alabama -- to establish a branch at 3050 Peachtree 

Road, Northeast, Suite 124, Atlanta, Georgia.

- Approved, April 5, 2006 

Atlanta

Regions Bank, Birmingham, Alabama -- to establish a branch at 1405 Sam Walton 

Boulevard, Bentonville, Arkansas.

- Approved, April 7, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority April 2, 2006 to April 8, 2006

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 2691 Placida Road, 

Grove City, Florida.

- Approved, April 3, 2006 

Secretary

Susquehanna Bank, Hagerstown, Maryland -- to establish a branch at 801 Norland 

Avenue, Chambersburg, Pennsylvania.

- Approved, April 5, 2006 

Richmond

Bank Holding Companies

Boston Private Financial Holdings, Inc., Boston, Massachusetts -- to acquire Anchor 

Capital Holdings LLC and interests in Anchor Capital Advisors LLC and 

Anchor/Russell Capital Advisors LLC and thereby engage in financial and 

investment advisory activities.

- Approved, April 5, 2006 

Boston

Cascade Bancorp, Bend, Oregon -- waiver of application to acquire F&M Holding 

Company, Boise, Idaho, in connection with the merger of their subsidiaries, Bank of 

the Cascades, Bend, and Farmers & Merchants State Bank, Boise.

- Granted, April 6, 2006 

Secretary

DBT Financial Corporation, DeWitt, Arkansas -- to merge with Planters & 

Merchants Bancshares, Inc., Gillett, and thereby acquire Planters & Merchants Bank.

- Approved, April 7, 2006 

St. Louis

DS Holding Company, Inc., Omaha, Nebraska -- to become a bank holding 

company and to acquire DB Holding Company, Inc. and its subsidiary, Omaha State 

Bank; and election to become a financial holding company.

- Approved, April 6, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority April 2, 2006 to April 8, 2006

Bank Holding Companies

First Pryor Bancorp, Inc., Pryor, Oklahoma -- to acquire 10 percent of the shares of 

Carson River Community Bank, Carson City, Nevada, a de novo bank.

- Withdrawn, April 7, 2006 

Kansas City

Mellon Financial Corporation, Pittsburgh, Pennsylvania -- request for an exemption 

under the Depository Institution Management Interlocks Act and Regulation L.

- Withdrawn, April 3, 2006 

Cleveland

Midwest Banc Holdings, Inc., Melrose Park, Illinois -- to acquire Royal American 

Corporation, Inverness, and Royal American Bank; and for its subsidiary, Midwest 

Bank and Trust Company, Elmwood Park, to merge with Royal American Bank, 

Inverness, and thereby establish branches.

- Approved, April 7, 2006 

Chicago

Mountain Commerce Bancorp, Inc., Johnson City, Tennessee -- to become a bank 

holding company and to acquire Erwin National Bank, Erwin.

- Withdrawn, April 5, 2006 

Atlanta

National Bancshares, Inc., Bettendorf, Iowa -- to acquire Metrocorp, Inc., East 

Moline, Illinois, and Metrobank, National Association, Davenport, Iowa.

- Withdrawn, April 4, 2006 

Chicago

Yadkin Valley Financial Corporation, Elkin, North Carolina -- to become a bank 

holding company and to acquire Yadkin Valley Bank and Trust Company.

- Approved, April 7, 2006 

Richmond

Bank Mergers

Southside Bank, Tappahannock, Virginia -- to merge with Hanover Bank, 

Mechanicsville, and thereby establish a branch.

- Approved, April 7, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority April 2, 2006 to April 8, 2006

Bank Mergers

Southside Bank, Tappahannock, Virginia -- to merge with Bank of Northumberland, 

Inc., Heathsville, and thereby establish a branch.

- Approved, April 7, 2006 

Richmond

Bank Premises

Somerset Trust Company, Somerset, Pennsylvania -- request to exceed the limit on 

investment in bank premises.

- Approved, April 7, 2006 

Cleveland

Change In Bank Control

HNB Corporation, Arkansas City, Kansas -- change in bank control.

- Permitted, April 4, 2006 

Kansas City

Competitive Factors Reports

Camden National Bank, Camden, Maine -- report on competitive factors of the 

proposed merger with UnitedKingfield Bank, Bangor.

- Submitted, April 5, 2006 

Boston

The Columbian Bank and Trust Company, Topeka, Kansas -- report on competitive 

factors of the proposed merger with Keystone Bank, Northwoods, Missouri.

- Submitted, April 4, 2006 

Kansas City

Flushing Financial Corp., Flushing, New York -- report on competitive factors of 

the proposed acquisition of Atlantic Liberty Financial Corp., Brooklyn.

- Submitted, April 7, 2006 

New York

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority April 2, 2006 to April 8, 2006

Competitive Factors Reports

TierOne Bank, Lincoln, Nebraska -- report on competitive factors of the proposed 

purchase of certain assets and assumption of certain liabilities of the Omaha branch 

of Marine Bank, Wauwatosa, Wisconsin.

- Submitted, April 4, 2006 

Kansas City

Extensions Of Time

CheckSpring Community Corporation, Bronx, New York -- extension to July 5, 

2006, to become a bank holding company and to acquire CheckSpring Bank, a de 

novo bank.

- Granted, April 7, 2006 

New York

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

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

of the shares of Oswego Bancshares, Inc. and thereby acquire Oswego Community 

Bank.

- Granted, April 6, 2006 

Chicago

International Operations

Trustmark National Bank, Jackson, Mississippi -- to establish a branch in George 

Town, Grand Cayman, Cayman Islands.

- Approved, April 6, 2006 

Atlanta

Membership

Ohio Commerce Bank, Beachwood, Ohio -- to become a member of the Federal 

Reserve System.

- Approved, April 7, 2006 

Cleveland

Old Southern Bank, Clermont, Florida, a de novo bank -- to become a member of 

the Federal Reserve System.

- Approved, April 5, 2006 

Atlanta

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

Federal Reserve Bank of Boston

Filings received during the week ending April 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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.

* 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 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

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

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

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

establish a branch in New York, New York by

relocating the Bank's Los Angeles, California

FDIC-insured branch. 

In addition, the Bank is applying to the Board,

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

representative office in Los Angeles,

California, which will serve as a liaison office

with the Bank's remaining California-based

customers.

MIZRAHI TEFAHOT BANK

LTD.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending April 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 05/08/2006

05/08/2006

Franklin Financial Services Corporation,

Chambersburg, PA, to acquire Fulton

Bancshares Corporation, McConnellsburg, PA.

FRANKLIN FINANCIAL

SERVICES CORPORATION

* 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 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

3A1

4c8

04/16/2006

04/24/2006

Kentucky Bancshares, Inc. to acquire Peoples

Bancorp of Sandy Hook, KY and as a result

merge Peoples Bank into Kentucky Bank.

KENTUCKY BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 04/26/2006

04/26/2006

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

PA to acquire up to 24.99% of the voting

shares of Allegheny Valley Bancorp, Inc.,

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

the Bank Holding Company Act.

S & T BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 04/28/2006

05/01/2006

S&T Bancorp, Inc., Indiana, PA to acquire up

to 9.9 percent of the voting shares of IBT

Bancorp, Inc., Irwin, PA and thereby indirectly

acquire Irwin Bank & Trust Company, Irwin,

PA.

S & T BANCORP, INC.

* 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

887827 HAMLER ST BK, HAMLER, OHIO 01/23/2006 04/04/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending April 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Bank of Romney, Romney, West Virginia, 04/14/2006

proposes to establish a branch at U.S. Route 50

Sunrise Summit, Romney, West Virginia.

BANK OF ROMNEY, THE

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

The Bank of Romney, Romney, West Virginia,

to increase its investment in bank premises in

the amount of $1.7 million.

BANK OF ROMNEY, THE

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of The Commonwealth, Norfolk, 04/11/2006

Virginia, to establish a branch at 229 West

Bute Street, Suite 320, Norfolk, Virginia.

BANK OF THE

COMMONWEALTH

Newspaper:

Federal Register:

* Branch

Not applicable

Gateway Bank & Trust Company, Elizabeth 04/10/2006

City, North Carolina, proposes to establish a

branch at 322 S. Broad Street, Edenton, North

Carolina.

GATEWAY BANK & TRUST

CO.

Newspaper:

Federal Register:

* Branch

Not applicable

HomeTown Bank, Roanoke, Virginia, to 04/20/2006

establish a branch facility to be located at

13400 Booker T. Washington Highway,

Moneta, Virginia.

HOMETOWN BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Rockingham Heritage Bank, Harrisonburg,

Virginia, to merge with Albemarle First Bank,

Charlottesville, Virginia.

ROCKINGHAM 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 April 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

AmSouth Bank, Birmingham, Alabama, to 04/17/2006

establish a branch located at the intersection of

Innsbrooke Boulevard and Shelbyville

Highway 231, Murfreesboro, Tennessee, to be

known as the Innsbrooke Branch.

AMSOUTH BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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:

Member Not applicable

Not applicable

Marine Bank of the Florida Keys, Marathon,

Florida, to become a member of the Federal

Reserve System.

MARINE BANK OF THE

FLORIDA KEYS

Newspaper:

Federal Register:

CIC Not available

Not available

PB Bancshares, Inc., Clifton, Tennessee,

after-the-fact change in control notice filed by

J. Autry and Martha Gobbell; Stephen or Jane

Ann Gobbell; Stephen Gobbell, as custodian

for Stephen Mark Gobbell; PB Bancshares,

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

Tommy Martin, Kelvin Runions, Carl Skelton,

and Andrew Yarbrough, as trustees; Frances

Hassell Wade Trust, J. Autry Gobbell, Martha

Gobbell, and Stephen Gobbell, as trustees; all

of Clifton, Tennessee, to retain 62.39 percent

of the outstanding shares of PB Bancshares,

Inc., and its subsidiary bank, Peoples Bank,

both of Clifton, Tennessee.

P B BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 04/15/2006

establish a branch located at Wild Heron Way

and Panama City Beach Parkway, Panama City

Beach, Florida.

REGIONS BANK

Newspaper:

Federal Register:

* 3A1

Not available

SEE Trust, Miami, Florida, with Evan Marbin 04/04/2006

as trustee, to form 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 8, 2006

Filer Filing Type 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, Robert W.

Pollard, Jr., Patricia D. Pollard, Zachary

Duncan Pollard, Ann Elizabeth Pollard,

Richard Daniel Blanton, Patricia Pollard

Blanton, Thomas Vinson Blanton, II, Jennie

Briggs Blanton, Clayton Edward Blanton, Lee

Blanton West, Levi Anderson Pollard, V, Levi

Anderson Pollard, VI, Lucy Ann Pollard,

Pollard Land Company, all of Appling,

Georgia, and Robert William Pollard, III,

Evans, Georgia, Richard Daniel Blanton, Jr.,

Carrollton, Georgia, Lynn Pollard Nickerson

and Paul Rush Battle, both of Atlanta, Georgia,

and RWP, Sr. Enterprises, LLLP, Appling,

Georgia, Robert W. Pollard, Jr., Patricia

Pollard Blanton, Levi Anderson Pollard, V,

and Lynn Pollard Nickerson, general partners),

to retain 47.9 percent of Southeastern Bank

Financial Corporation, and its subsidiary bank,

Georgia Bank & Trust, both of Augusta,

Georgia.

SOUTHEASTERN BANK

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 04/12/2006

branches at the following locations: 1099-1

San Jose Boulevard, Jacksonville, Florida, to

be known as the Mandarin Lakes Wal-Mart

Office; 13227 City Square Drive, Jacksonville,

Florida, to be known as the River City

Marketplace Wal-Mart Office; and 4250

Phillips Highway, Jacksonville, Florida, to be

known as the Clinton Avenue 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 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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:

* 3A3 Not available

* 3A1 04/13/2006

Capitol Bancorp, Ltd., Lansing, Michigan, to

acquire 51 percent of the voting shares of

Evansville Commerce Bank (in organization),

Evansville, Indiana, and by Capitol

Development Bancorp Limited IV, Lansing,

Michigan, to become a bank holding company

by acquiring 51 percent of the voting shares of

Evansville Commerce Bank (in organization),

Evansville, Indiana.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3

* 3A1

04/14/2006

04/14/2006

Capitol Bancorp, Ltd., Lansing, Michigan, to

acquire 51 percent of the voting shares of

Sunrise Bank of Atlanta (in organization),

Atlanta, Georgia, and by Capitol Development

Bancorp Limited IV, Lansing, Michigan, to

become a bank holding company by acquiring

51 percent of the voting shares of Sunrise Bank

of Atlanta (in organization), Atlanta, Georgia.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch Not 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:

4c8 Not applicable

Not available

Farmers Bancorp, Frankfort, Indiana, to retain

100 percent of the voting shares of Farmers

Bank Reinsurance Co. Ltd., Frankfort, Indiana.

FARMERS BANCORP,

FRANKFORT, INDIANA, THE

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

Northside Community Bank, Gurnee, Illinois, 04/10/2006

to establish a branch facility to be located at

205 West Wacker, Chicago, Illinois.

NORTHSIDE COMMUNITY

BANK

Newspaper:

Federal Register:

* 3A1 Not available

05/01/2006

Signature Bancorporation, Inc., Chicago,

Illinois, to become a bank holding company by

acquiring 100 percent of the voting shares of

Signature Bank (in organization), Chicago,

Illinois.

SIGNATURE

BANCORPORATION, INC.

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

* 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 April 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/07/2006

Notice by the Stumpf Family Control Group,

Columbia, Illinois, to increase control of

Columbia Bancshares, Inc., Columbia, Illinois.

The control group consists of Kenneth W.

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

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

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

Illinois.

COLUMBIA BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 05/05/2006

Community Bank Shares of Indiana, Inc., New

Albany, Indiana, to acquire 100 percent of The

Bancshares, Inc., Scottsburg, Indiana, and

thereby indirectly acquire The Scott County

State Bank, Scottsburg, Indiana. Also, CBIN

Subsidiary, Inc., New Albany, Indiana, a

wholly owned subsidiary of Community Bank

Shares of Indiana, Inc., to become a bank

holding company by acquiring 100 percent of

The Bancshares, Inc., Scottsburg, Indiana, and

thereby indirectly acquire The Scott County

State Bank, Scottsburg, Indiana.

COMMUNITY BANK SHARES

OF INDIANA, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

First Horizon National Corporation, Memphis,

Tennessee, to acquire 100 percent of The State

Bank, Rocky Ford, Colorado.

FIRST HORIZON NATIONAL

CORPORATION

Newspaper:

Federal Register:

CIC 04/18/2006

04/20/2006

Notice by Nancy Hays Gottwald, Richmond,

Virginia, to increase control of First National

Bancshares of Hempstead County, Inc., Hope,

Arkansas.

FIRST NATIONAL

BANCSHARES OF

HEMPSTEAD COUNTY

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

Federal Reserve Bank of St.Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending April 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/25/2006

Interagency Notice of Change in control by

Karlyn B. Lohrenz Trust, Karlyn B. Lohrenz

as trustee, and Karlyn B. Lohrenz as an

individual, Billings, Montana, to acquire 16

2/3 percent of the shares of The Bridger

Company, Bridger, Montana and join a group

acting in concert which also includes Harold J.

Lohrenz and Clarence G. Lohrenz.

BRIDGER COMPANY, THE

Newspaper:

Federal Register:

* 3A1 04/26/2006

04/23/2006

Cornerstone Holding Company, Inc., Fargo,

North Dakota, to acquire 100 percent of

Citizens, Incorporated, Enderlin, North Dakota

and thereby indirectly acquire Citizens State

Bank, Enderlin, North Dakota.

CORNERSTONE HOLDING

COMPANY, INC.

Newspaper:

Federal Register:

* 3A3 04/24/2006

04/17/2006

Forstrom Bancorporation, Inc., Clara City,

Minnesota, to acquire 100 percent of the

outstanding shares of Yellow Medicine

Bancshares, Inc., Granite Falls, Minnesota,

and thereby indirectly acquire Yellow

Medicine County Bank, Granite Falls,

Minnesota.

FORSTROM

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A1 04/24/2006

04/21/2006

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

to become a bank holding company by

acquiring 100 percent of Farmers State Bank of

Turton, South Dakota.

FSB BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/23/2006

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

become a bank holding company by acquiring

100 percent of The EastBank Corporation,

Minneapolis, Minnesota, and thereby indirectly

acquire 100 percent of EastBank, Minneapolis,

Minnesota.

JAG FINANCIAL, INC.

Newspaper:

Federal Register:

* 3A1 03/13/2006

03/03/2006

Salish and Kootenai Bancorporation, Polson,

Montana, to become a bank holding company

by acquiring 100 percent of the capital stock of

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

SALISH AND KOOTENAI

BANCORPORATION

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

374653 FIRST PREMIER BK, SIOUX FALLS, SOUTH DAKOTA 11/14/2005 04/04/2006 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending April 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Community Banks of Colorado, Greenwood 04/30/2006

Village, Colorado, to establish a branch at 313

Chambers Avenue, Unit A/B, Eagle, Colorado.

COMMUNITY BANKS OF

COLORADO

Newspaper:

Federal Register:

* 3A3 Not available

05/08/2006

Docking Bancshares, Inc., Arkansas City,

Kansas, to acquire 100 percent of the voting

shares of City National Bancshares, Inc.,

parent of The City National Bank and Trust

Company of Guymon, both in Guymon,

Oklahoma.

DOCKING BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 04/15/2006

04/20/2006

NebraskaLand Financial Services, Inc., North

Platte, Nebraska, to acquire 92.5 percent of the

voting shares of Commerce Bank of Wyoming,

N.A., Rock Springs, Wyoming (in

organization).

NEBRASKALAND FINANCIAL

SERVICES, INC.

Newspaper:

Federal Register:

* 3A1 04/28/2006

05/08/2006

Republic Corporation, to become a bank

holding company through the acquisition of

100 percent of the voting shares of United

Republic Bank (in organization), both in

Omaha, Nebraska.

REPUBLIC CORPORATION

* 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 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/20/2006

04/21/2006

Notice by Mr. Henry Cook Taylor,

Natchitoches, Louisiana, to retain ownership

and control of 12.82 percent in City

Bancshares, Inc., Natchitoches, Louisiana, and

indirectly City Bank & Trust Company,

Natchitoches, Louisiana.

CITY BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3

* 3A1

04/24/2006

05/05/2006

CSAB Holdings, LLC, Dallas, Texas, to

acquire 100 percent of Parkway National

Bancshares, Inc., Plano, Texas, and indirectly

acquire Parkway National Bancshares of

Delaware, Inc., Wilmington, Delaware, and

Parkway Bank, National Association, Plano,

Texas. WCM Holdings, Inc., Dallas, Texas,

and WCM-Parkway, Ltd., Dallas, Texas, to

become bank holding companies through the

direct acquisition of 100 percent of the

outstanding member interests of CSAB

Holdings, LLC, Dallas, Texas, and indirectly

Parkway National Bancshares, Inc., Plano,

Texas, Parkway National Bancshares of

Delaware, Inc., Wilmington, Delaware, and

Parkway Bank, National Association, Plano,

Texas.

CSAB HOLDINGS, LLC

Newspaper:

Federal Register:

* 3A1 04/20/2006

04/17/2006

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

Monterrey, Nuevo Leon, Mexico; Banco

Mercantil del Norte, S.A. Institucion de Banca

Mulitiple, Grupo Financiero Banorte,

Monterrey, Nuvevo Leon, Mexico; and Banorte

USA Corporation, Wilmington, Delaware, to

become bank holding companies by acquiring

70 percent of INB Financial Corporation,

McAllen, Texas, and indirectly, INB Delaware

Corporation, Wilmington, Delaware, and Inter

National Bank, McAllen, Texas.

GRUPO FINANCIERO

BANORTE, S.A. DE C.V.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Tradition Bank, Houston, Texas, to establish a

branch to be located at 5020 Montrose Blvd.,

Suite 200, Houston, Texas 77006.

TRADITION BANK

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 April 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/06/2006

Notice by the Sun Group, consisting of John

Chung-Yuan Sun, Judy Chen-Mei Sun,

Rancho Palos Verdes, California, and Jaclyn

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

retain 11.4 percent ownership of American

Premier Bancorp, Arcadia, California, and

thereby indirectly retain ownership in

American Premier Bank, Arcadia, California.

AMERICAN PREMIER

BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

05/05/2006

Belvedere Capital Fund II, LP, and Belvedere

Capital Partners II, LLC, both of San

Francisco, California, to become bank holding

companies by acquiring up to 50 percent of

Presidio Bank (In Organization), San

Francisco, California.

BELVEDERE CAPITAL FUND

II, L.P.

Newspaper:

Federal Register:

CIC Not available

03/27/2006

Notice by David F. Bolger to acquire up to 25

percent of Cascade Bancorp, and thereby

indirectly acquire Bank of the Cascades, both

of Bend, Oregon.

CASCADE BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 04/03/2006

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

Castle Creek Capital III LLC, Eggemeyer

Capital LLC, Ruh Capital LLC, Legions IV

Advisory Corp., Western States Opportunity

LLC, Eggemeyer Family Trust, and William J.

Ruh Trust, all of Rancho Santa Fe, California,

to become bank holding companies by

acquiring 89 percent of LDF, Inc., and thereby

indirectly acquire its wholly-owned subsidiary,

Labe Bank, both of Chicago, Illinois, and;

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

Castle Creek Capital III LLC, Eggemeyer

Capital LLC, Ruh Capital LLC, Legions IV

Advisory Corp.to acquire 35 percent of Atlanta

Bancorporation, Inc., Alpharetta, Georgia, and

thereby indirectly acquire Gibsonville

Community Bank, Inc., Gibsonville, North

Carolina.

CASTLE CREEK CAPITAL

PARTNERS III, L.P.

Newspaper:

Federal Register:

* Branch

Not applicable

County Bank, Merced, California, to establish 03/22/2006

a branch facility at 2936 E. Hatch Road, Ceres,

California.

COUNTY BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Skagit State Bancorp to become a bank holding

company by acquiring 100 percent of Skagit

State Bank, both of Burlington, Washington.

Skagit State Bancorp

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act