Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 8

Week Ending February 25, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions February 19, 2006 to February 25, 2006

Bank Holding Companies

Sky Financial Group, Inc., Bowling Green, Ohio -- to acquire through Sky Holdings, 

Inc., Wilmington, Delaware, up to 9.99 percent of the shares of LNB Bancorp, Inc., 

Lorain, Ohio, and thereby acquire an interest in The Lorain National Bank.

- Approved, February 24, 2006 

Forms

Forms -- final Board review to revise without extension the Financial Statements of 

U.S. Nonbank Subsidiaries of U.S. Bank Holding Companies (FR Y-11) and 

Financial Statements of Foreign Subsidiaries of U.S. Banking Organizations (FR 

2314).

- Approved, February 22, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
February 19, 2006 to February 25, 2006

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

AmSouth Bank, Birmingham, Alabama -- to establish branches at the intersections 

of: Highways 225 and 31, Spanish Fort; South Florida Avenue and County Road 

540A, Lakeland, Florida; Radio Road and Santa Barbara Boulevard, Naples; Big 

Bend Road and U.S. Highway 301, Riverview; U.S. Highway 19 and 34th Avenue, 

St. Petersburg; and at Units 5204 and 5206 Ocean Boulevard, Sarasota; 101 Office 

Park Drive, Brandon, Mississippi; the intersection of Courthouse Road and 33rd 

Street, Gulfport; 2615 Old Fort Parkway, Murfreesboro, Tennessee; and the 

intersection of Memorial Parkway and Lokey Avenue.

- Approved, February 21, 2006 

Atlanta

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 20399 

Gibraltar Road, Brownstown.

- Approved, February 22, 2006 

Cleveland

First American Bank, Birmingham, Alabama -- to establish a branch at 27453 

Capshaw Road, Athens.

- Approved, February 21, 2006 

Atlanta

Four Oaks Bank & Trust Company, Four Oaks, North Carolina -- to establish a 

branch at 130 North Arendell Avenue, Zebulon.

- Approved, February 22, 2006 

Richmond

Four Oaks Bank & Trust Company, Four Oaks, North Carolina -- to establish a 

branch at 1100 South Horner Boulevard, Sanford.

- Approved, February 22, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority February 19, 2006 to February 25, 2006

Bank Branches, Domestic

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish branches at 

9900 Innovation Drive, Wauwatosa, and 1200 Commerce Place, Plover, and at the 

intersections of Carefree Highway and 48th Street, Phoenix, Arizona; Dynamite and 

Tatum Boulevards; and Queen Creek and Higley Roads, Gilbert.

- Approved, February 24, 2006 

Chicago

Pacific Global Bank, Chicago, Illinois -- to establish a branch at 3233 South 

Ashland Avenue.

- Approved, February 22, 2006 

Chicago

Riverside Bank of the Gulf Coast, Cape Coral, Florida -- to establish a branch at 

2103 Santa Barbara Boulevard.

- Approved, February 22, 2006 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish branches at 1880 West County Road 

419, Oviedo, Florida, and 4935 East Iro Bronson Memorial Highway, St. Cloud.

- Approved, February 24, 2006 

Secretary

Tower Bank & Trust Company, Fort Wayne, Indiana -- to establish a branch at 3333 

North Wayne Street, Angola.

- Approved, February 21, 2006 

Chicago

Bank Holding Companies

A.M. Saylor, Incorporated, Hampton, Iowa -- to engage de novo in extending credit 

and servicing loans.

- Approved, February 22, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority February 19, 2006 to February 25, 2006

Bank Holding Companies

The Bank Holdings, Reno, Nevada -- to acquire Big Sky Property Exchange, Inc., 

Bozeman, Montana, and thereby engage in real estate settlement services, trust 

company activities, and financial and investment advisory activities.

- Approved, February 23, 2006 

San Francisco

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

acquire Exchange State Bank.

- Withdrawn, February 21, 2006 

Chicago

FBOP Corporation, Oak Park, Illinois -- to acquire more than 50 percent of the 

shares of Community Bank of Lemont, Lemont.

- Approved, February 24, 2006 

Chicago

First National Bancorp, Inc., Kalamazoo, Michigan -- to become a bank holding 

company and to acquire First National Bank of Michigan, a de novo bank.

- Approved, February 23, 2006 

Chicago

GB&T Bancshares, Inc., Gainesville, Georgia -- to merge with Mountain 

Bancshares, Inc., Dawsonville, and thereby acquire Mountain State Bank.

- Approved, February 24, 2006 

Atlanta

Wintrust Financial Corporation, Lake Forest, Illinois -- to acquire Hinsbrook 

Bancshares, Inc., Willowbrook, and Hinsbrook Bank and Trust.

- Approved, February 24, 2006 

Chicago

Change In Bank Control

Stockton Bancshares, Inc., Stockton, Kansas -- change in bank control.

- Permitted, February 21, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority February 19, 2006 to February 25, 2006

Competitive Factors Reports

BankWest of Nevada, Las Vegas, Nevada -- report on competitive factors of the 

proposed merger with Nevada First Bank.

- Submitted, February 21, 2006 

San Francisco

BankWest of Nevada, Las Vegas, Nevada -- report on competitive factors of the 

proposed merger with Bank of Nevada.

- Submitted, February 22, 2006 

San Francisco

FDS Bank, Mason, Ohio -- report on competitive factors of the proposed acquisition 

of certain assets of GE Money Bank, Salt Lake City, Utah.

- Submitted, February 21, 2006 

Cleveland

The First Interim National Bank, Newport, Pennsylvania -- report on competitive 

factors of the proposed acquisition of The First National Bank of Newport, Newport.

- Submitted, February 24, 2006 

Philadelphia

GNB Financial, N.A., Gainesville, Texas -- report on competitive factors of the 

proposed merger with Northwest Bank, Roanoke.

- Submitted, February 21, 2006 

Dallas

National Penn Bank, Boyertown, Pennsylvania -- report on competitive factors of 

the proposed merger with Nittany Bank, State College.

- Submitted, February 24, 2006 

Philadelphia

Northeast Missouri State Bank, Kirksville, Missouri -- report on competitive factors 

of the proposed merger with La Plata State Bank, La Plata.

- Submitted, February 24, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority February 19, 2006 to February 25, 2006

Extensions Of Time

Minster Bank, Minster, Ohio -- extension to October 1, 2006, to establish a branch 

at 1280 Experimental Farm Road, Troy.

- Granted, February 23, 2006 

Cleveland

Membership

Security One Bank, Baileys Crossroads, Virginia, a de novo bank -- to become a 

member of the Federal Reserve System.

- Approved, February 22, 2006 

Richmond

Twin City Bank, North Little Rock, Arkansas -- to become a member of the Federal 

Reserve System.

- Approved, February 21, 2006 

St. Louis

Virginia Business Bank, Richmond, Virginia -- to become a member of the Federal 

Reserve System.

- Approved, February 22, 2006 

Richmond

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on January 31, 2006.

- Published, February 21, 2006 

FOMC

(AC) = Addition or Correction Delegated - Page 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending February 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 02/27/2006

Application by Wessagussett Mutual Holding

Company and Wessagussett Bancorp, Inc.,

both of Weymouth, Massachusetts, to become a

mutual bank holding company and a stock

bank holding company, respectively

(collectively, the Applicants), by acquiring

Weymouth Bank, Weymouth, Massachusetts,

pursuant to sections 3(a)(1) and 3(a)(3) of the

Bank Holding Company Act of 1956, as

amended.

WESSAGUSSETT MUTUAL

HOLDING COMPANY

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

CONNECTICUT BK & TR CO HARTFORD, CONNECTICUT

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

Federal Reserve Bank of New York

Filings received during the week ending February 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

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.

* 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

960609 GREAT EASTERN BK, NEW YORK, NEW YORK 09/06/2005 02/15/2006 S Int Sm Bank

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

MANUFACTURERS & TRADERS TC BUFFALO, NEW YORK

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending February 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

The First National Bank in Fleetwood (to be

named Fleetwood Bank), Fleetwood, PA, to

become a member of the Federal Reserve

System.

FIRST NATIONAL BANK IN

FLEETWOOD, THE

Newspaper:

Federal Register:

* 3A3 03/06/2006

03/09/2006

Orrstown Financial Services, Inc.,

Shippensburg, PA, to acquire The First

National Bank of Newport, Newport, PA

ORRSTOWN FINANCIAL

SERVICES, INC.

Newspaper:

Federal Register:

* 3A5

4c8

03/12/2006

03/13/2006

Tower Bancorp, Inc., Greencastle, PA, to

acquire FNB Financial Corporation,

McConnellsburg, and its wholly own

subsidiary, The First National Bank of

McConnellsburg, McConnellsburg, PA.

TOWER BANCORP 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 Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

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

Federal Reserve Bank of Cleveland

Filings received during the week ending February 25, 2006

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 Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

CITIZENS DEPOSIT B&TC VANCEBURG, KENTUCKY

COMMUNITY TR BK INC PIKEVILLE, KENTUCKY

HEARTLAND BK GAHANNA, OHIO

IRON & GLASS BK PITTSBURGH, PENNSYLVANIA

SAINT HENRY BK SAINT HENRY, OHIO

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

Federal Reserve Bank of Richmond

Filings received during the week ending February 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

CommerceFirst Bank, Annapolis, Maryland, 03/15/2006

proposes to establish a branch at 6230 Old

Dobbin Lane, Columbia, Maryland.

COMMERCEFIRST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

New Peoples Bank, Honaker, Virginia, 03/06/2006

proposes to establish a branch at 11421 Indian

Creek Road, Pound, Virginia.

NEW PEOPLES BANK, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

New Peoples Bank, Honaker, Virginia, 03/06/2006

proposes to establish a branch at 5548

Norton-Wise Road, Esserville, Virginia.

NEW PEOPLES BANK, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Sandy Spring Bank, Olney, Maryland, 03/02/2006

proposes to establish a branch at 6550

Mercantile Drive East, Frederick, Maryland.

SANDY SPRING BANK

Newspaper:

Federal Register:

* 3A3 03/12/2006

03/06/2006

Union Bankshares Corporation, Bowling

Green, Virginia, to acquire 100% of Prosperity

Bank & Trust Company, Springfield, Virginia.

UNION BANKSHARES

CORPORATION

* 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

1161029 BANK OF HAMPTON ROADS, CHESAPEAKE, VIRGINIA 09/12/2005 01/05/2006 S Small Bank

2253891 CAPITAL ONE BK, GLEN ALLEN, VIRGINIA 07/18/2005 12/28/2005 O Whole/Ltd Purp

517423 CONSOLIDATED B&TC, RICHMOND, VIRGINIA 09/12/2005 12/14/2005 S Small Bank

911825 HERITAGE B&TC, NORFOLK, VIRGINIA 08/22/2005 01/09/2006 S Small Bank

698229 PROSPERITY B&TC, SPRINGFIELD, VIRGINIA 09/19/2005 12/12/2005 S Small Bank

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

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

Federal Reserve Bank of Atlanta

Filings received during the week ending February 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Cumberland Bank, Franklin, Tennessee, to 03/07/2006

establish a branch located at 175 East Main

Street, Hendersonville, Tennessee.

CUMBERLAND BANK

Newspaper:

Federal Register:

* 3A5 03/13/2006

03/17/2006

Security Bank Corporation, Macon, Georgia, to

merge with Neighbors Bancshares, Inc., and

thereby acquire its subsidiary, Neighbors Bank,

both of Alpharetta, Georgia.

SECURITY BANK

CORPORATION

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 03/07/2006

branches at the following locations: 162 Seven

Farms Drive, Charleston, South Carolina, to be

known as the Daniel Island Office; 1440 Ben

Sawyer Boulevard, Mt. Pleasant, South

Carolina, to be known as the Mt. Pleasant

Bi-Lo Office; 3125 Bees Ferry Road,

Charleston, South Carolina, to be known as the

Bees Ferry Bi-Lo Office; and 975 Bacons

Bridge Road, Summerville, South Carolina, to

be known as the Summerville Station Bi-Lo

Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* 3A3 02/26/2006

02/24/2006

Upper Cumberland Bancshares, Inc., and its

parent company, Employee Stock Ownership

Trust of People's Bank and Trust Company of

Pickett County, both of Byrdstown, Tennessee,

to acquire 100 percent of the outstanding

shares of People's Bank and Trust Company of

Clinton County, Albany, Kentucky (in

organization).

UPPER CUMBERLAND

BANCSHARES, INC.

* 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 Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

1ST UNITED BK BOCA RATON, FLORIDA

BANK OF FOREST FOREST, MISSISSIPPI

CUMBERLAND BK FRANKLIN, TENNESSEE

FIRST AMER BK BIRMINGHAM, ALABAMA

NEIGHBORHOOD CMNTY BK NEWNAN, GEORGIA

SUNCOAST BK SARASOTA, FLORIDA

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

two branch facilities to be located at 7306 E.

Shea Blvd., Scottsdale, Arizona, and 6540

Irvine Center Drive, Irvine, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Community Bank of Boone, Boone, Iowa, to 02/20/2006

establish a branch facility to be located at 1601

West Lakes Parkway, Suite 100, West Des

Moines, Iowa.

COMMUNITY BANK OF

BOONE

Newspaper:

Federal Register:

* 3A3 Not available

03/23/2006

Community State Bank Employee Stock

Ownership Plan and Trust, Union Grove,

Wisconsin, to increase its ownership to 33.95

percent of the voting shares of Union

Bancorporation, Inc., Union Grove, Wisconsin,

and thereby indirectly acquire Community

State Bank, Union Grove, Wisconsin.

COMMUNITY STATE BANK

EMPLOYEE STOCK

OWNERSHIP PLAN AND

TRUST

Newspaper:

Federal Register:

* 3A3 Not available

03/24/2006

First Mid-Illinois Bancshares, Inc., Mattoon,

Illinois, to acquire 100 percent of the voting

shares of Mansfield Bancorp, Inc., Mansfield,

Illinois, and thereby indirectly acquire Peoples

State Bank of Mansfield, Mansfield, Illinois.

FIRST MID-ILLINOIS

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 03/17/2006

03/23/2006

Gerber Bancshares, Inc., Argenta, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of Gerber

State Bank, Argenta, Illinois.

GERBER BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 02/18/2006

Wisconsin, to merge with Gold Bank,

Leawood, Kansas, and thereby establish 33

branches.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* Branch

Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 02/09/2006

Wisconsin, to establish branch facilities at the

following locations: 1) Carefree Highway and

48th Street, Phoenix, Arizona; 2) Dynamite

Boulevard and Tatum Boulevard, Phoenix,

Arizona; 3) Queen Creek Road and Higley

Road, Gilbert, Arizona, 4) 9900 Innovation

Drive, Wauwatosa, Wisconsin, and 5) 1200

Commerce Place, Plover, Wisconsin.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* 4c8 Not available

03/06/2006

Mainsource Financial Group, Inc., Greensburg,

Indiana, to acquire 100 percent of the voting

shares of HFS Bank, F.S.B., Hobart, Indiana,

and thereby operate a savings association.

MAINSOURCE FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 4c8 03/09/2006

MainSource Financial Group, Inc.,

Greensburg, Indiana, to merge with Peoples

Ohio Financial Corporation, Troy, Ohio, and

thereby indirectly acquire Peoples Savings

Bank of Troy, Troy, Ohio, and thereby operate

a savings association.

MAINSOURCE FINANCIAL

GROUP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

03/24/2006

Minier Financial, Inc. Employee Stock

Ownership Plan w/401(k) Provisions, Minier,

Illinois, to become a bank holding company by

acquiring 51 percent of the voting shares of

Minier Financial, Inc., Minier, Illinois, and

thereby indirectly acquire First Farmers State

Bank, Minier, Illinois.

MINIER FINANCIAL, INC.

EMPLOYEE STOCK

OWNERSHIP PLAN W/401(K)

PROVISIONS

Newspaper:

Federal Register:

CIC 02/23/2006

02/28/2006

Notice by Mark B. Richardson, Thetford

Center, Vermont, to increase his ownership to

28 percent of Oakwood Bancorp, Inc.,

Springfield, Illinois, and thereby indirectly

increase ownership of United Community

Bank, Oakwood, Illinois.

OAKWOOD BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Old Second Bank-Yorkville, Yorkville, 02/14/2006

Illinois, to establish a branch facility to be

located at 7050 Burroughs Avenue, Plano,

Illinois.

OLD SECOND

BANK-YORKVILLE

Newspaper:

Federal Register:

CIC Not available

03/14/2006

Notice by the Matthew J. and Gayle M. Ahlers

and the Matthew J. Ahlers Family (Matthew,

Gayle, Michael, Carolyn, Emily, Jeffrey, and

Matthew Jr.) Le Mars, Iowa, to increase

Matthew and Gayle's joint ownership and

control to 25.696% (when including shares

held in the names of their minor children) of

Primebank, Inc., Le Mars, Iowa and thereby

indirectly Primebank, Le Mars, Iowa.

PRIMEBANK, 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

624246 FORT MADISON B&TC, FORT MADISON, IOWA 11/07/2005 02/15/2006 S Small Bank

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

BYRON BK BYRON CENTER, MICHIGAN

FIRST BK OF BERNE BERNE, INDIANA

FIRST CMNTY B&TC BEECHER, ILLINOIS

FIRST MIDWEST BK ITASCA, ILLINOIS

FIRST ST BK MANCHESTER, IOWA

FIRST ST BK OF PORTER PORTER, INDIANA

FRIENDSHIP ST BK FRIENDSHIP, INDIANA

FRONTIER SVG BK COUNCIL BLUFFS, IOWA

IOWA ST BK HULL, IOWA

IRWIN UNION B&TC COLUMBUS, INDIANA

LA SALLE ST BK LA SALLE, ILLINOIS

MARQUETTE BK CHICAGO, ILLINOIS

MICHIGAN HERITAGE BK FARMINGTON HILLS, MICHIGAN

NORTHERN TC CHICAGO, ILLINOIS

OREGON CMNTY B&TC OREGON, WISCONSIN

ROYAL AMER BK INVERNESS, ILLINOIS

STATE BK THE LAKES ANTIOCH, ILLINOIS

TEMPLETON SVG BK TEMPLETON, IOWA

VILLAGE B&TC ARLINGTON HEIGHTS, ILLINOIS

WASHINGTON ST BK WASHINGTON, IOWA

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

Federal Reserve Bank of St.Louis

Filings received during the week ending February 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

4c8

03/19/2006

03/17/2006

American Founders Bancorp, Inc., Frankfort,

Kentucky, to become a bank holding company

by acquiring 100 percent of American

Founders Bank, Inc., Frankfort, Kentucky. In

addition, American Founders Bancorp, Inc.,

proposes to acquire 100 percent of First

Security Bancorp, Inc., Lexington, Kentucky

("Bancorp"), and thereby indirectly acquire

First Security Bank of Lexington, Inc.,

Lexington, Kentucky. Through the acquisition

of Bancorp, American Founders Bancorp, Inc.,

will also acquire 50 percent of Peoples Secure,

LLC, Lexington, Kentucky, and thereby

indirectly engage in data processing activities.

AMERICAN FOUNDERS

BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 03/20/2006

03/23/2006

First Banks, Inc., Hazelwood, Missouri, and its

subsidiary bank holding company, The San

Francisco Company, San Francisco, California,

to acquire 80 percent of First Independent

National Bank, Plano, Texas.

FIRST BANKS, INC.

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

03/17/2006

03/23/2006

First Banks, Inc., St. Louis, Missouri, and its

subsidiary bank holding company, The San

Francisco Company, San Francisco, California,

to acquire 100 percent of Pittsfield Community

Bancorp, Inc., Pittsfield, Illinois, and thereby

indirectly acquire Community Bank of

Pittsfield, Pittsfield, Illinois. Also, First Bank,

St. Louis, Missouri, to merge with Community

Bank of Pittsfield, Pittsfield, Illinois, and to

retain the acquired facilities as branch offices.

FIRST BANKS, INC.

Newspaper:

Federal Register:

* 3A5 Not available

03/24/2006

First M & F Corporation, Kosciusko,

Mississippi, to merge with Crockett County

Bancshares, Inc., Bells, Tennessee, and thereby

indirectly acquire Bells Banking Company,

Bells, Tennessee.

FIRST M & F CORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Twin City Bank, North Little Rock, Arkansas,

to become a member of the Federal Reserve

System.

TWIN CITY BANK

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

Federal Reserve Bank of St.Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

BANK OF FAYETTEVILLE FAYETTEVILLE, ARKANSAS

BANK OF LA LOUISIANA, MISSOURI

CALLAWAY BK FULTON, MISSOURI

CROSS COUNTY BK WYNNE, ARKANSAS

FARMERS & MERCHANTS BK STUTTGART, ARKANSAS

SIMMONS FIRST BK RUSSELLVILLE, ARKANSAS

SOUTHERN COMMERCIAL BK SAINT LOUIS, MISSOURI

WARREN B&TC WARREN, ARKANSAS

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending February 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

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

Newspaper:

Federal Register:

* 3A3 Not available

Member 03/17/2006

Westbrand, Inc., Minot, North Dakota, to

acquire 100 percent of First Western Bank,

Eden Prairie, Minnesota, and incident thereto,

First Western Bank, Eden Prairie, Minnesota,

a de novo bank, to become a member of the

Federal Reserve System.

WESTBRAND, 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 Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

BIG SKY WESTERN BK BOZEMAN, MONTANA

CLINTON ST BK CLINTON, MINNESOTA

COMMUNITY BK AUSTIN, MINNESOTA

COMMUNITY BK MISSOULA MISSOULA, MONTANA

DACOTAH BK ABERDEEN, SOUTH DAKOTA

FARMERS ST BK VICTOR, MONTANA

FIRST CITIZENS BK OF BUTTE BUTTE, MONTANA

FIRST WESTERN B&TC MINOT, NORTH DAKOTA

FULTON ST BK FULTON, SOUTH DAKOTA

PENINSULA BK OF ISHPEMING ISHPEMING, MICHIGAN

PEOPLES ST BK OF PLAINVIEW PLAINVIEW, MINNESOTA

STATE BK OF TOWNSEND TOWNSEND, MONTANA

VALLEY BK GLASGOW GLASGOW, MONTANA

WESTERN SCTY BK BILLINGS, MONTANA

YELLOWSTONE BK LAUREL, MONTANA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending February 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

American Heritage Bank, Sapulpa, Oklahoma, 03/10/2006

to establish a branch at the northwest corner of

71st Street South and South Union Avenue,

Tulsa, Oklahoma.

AMERICAN HERITAGE BANK

Newspaper:

Federal Register:

* Branch

Premises Not applicable

Bank at Broadmoor, Colorado Springs, 03/03/2006

Colorado, to establish a branch facility at 3216

West Colorado Avenue, both in Colorado

Springs, Colorado. Bank at Broadmoor,

Colorado Springs, Colorado, to increase its

investment in bank premises in the amount of

$611,371.

BANK AT BROADMOOR, THE

Newspaper:

Federal Register:

* 3A3 03/04/2006

03/06/2006

First Muskogee Financial Corporation,

Muskogee, Oklahoma, to acquire 100 percent

of the voting shares of First Financial

Bancshares, Inc., Roland, Oklahoma, parent of

First National Bank of Sallisaw, Sallisaw,

Oklahoma.

FIRST MUSKOGEE

FINANCIAL CORPORATION

Newspaper:

Federal Register:

CIC Not available

03/09/2006

Notification by Trenton W. Brown, Ponca City,

Oklahoma; Lisa D. Kessler, Scottsdale,

Arizona; Mark R. Brown, Scottsdale, Arizona;

Mary J. Brown, Arkansas City, Kansas; R. A.

Brown, Arkansas City, Kansas; Roger A.

Brown, Arkansas City, Kansas; Suzanne W.

Brown, Arkansas City, Kansas; Charlotte B.

Delaney, Winnetka, Illinois; and Rebecca R.

Warren, Ponca City, Oklahoma, to acquire

control of HNB Corporation, Arkansas City,

Kansas, parent of Home National Bank,

Blackwell, Oklahoma.

HNB CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

03/24/2006

Sundance State Bank Profit Sharing and

Employee Stock Ownership Plan and Trust, to

increase its ownership from 26.06 percent to

26.73 percent of the voting shares of the

Sundance Bankshares, Inc., parent of

Sundance State Bank, all located in Sundance,

Wyoming.

SUNDANCE STATE BANK

PROFIT SHARING AND

EMPLOYEE STOCK

OWNERSHIP PLAN AND

TRUST

Newspaper:

Federal Register:

CIC Not available

03/16/2006

Notice by Amos Kendall Bass, III, Wilburton,

Oklahoma, to acquire control of Wilburton

State Bancshares, Inc., parent of Wilburton

State Bank, both in Wilburton, Oklahoma.

WILBURTON STATE

BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

405959 F&M B&TC, TULSA, OKLAHOMA 10/17/2005 02/01/2006 S Large Bank

296456 FIRSTBANK, ANTLERS, OKLAHOMA 11/14/2005 02/07/2006 S Small Bank

941952 UNION BK OF CHANDLER, CHANDLER, OKLAHOMA 10/31/2005 02/02/2006 S Small Bank

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

AMERICAN HERITAGE BK SAPULPA, OKLAHOMA

BANK OF BLUE VALLEY OVERLAND PARK, KANSAS

FIRST BK OF FAIRLAND FAIRLAND, OKLAHOMA

FIRST ST BK IN TEMPLE TEMPLE, OKLAHOMA

FIRST ST BK OF HOTCHKISS HOTCHKISS, COLORADO

MONTROSEBANK MONTROSE, COLORADO

SWEDISH-AMERICAN ST BK COURTLAND, KANSAS

UNION COLONY BK GREELEY, COLORADO

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

Federal Reserve Bank of Dallas

Filings received during the week ending February 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

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

Federal Reserve Bank of San Francisco

Filings received during the week ending February 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

Not available

Canyon Bancorp, Palm Springs, California, to 03/28/2006

become a bank holding company by acquiring

100 percent of Canyon National Bank, Palm

Springs, California. Also elects to become a

financial holdling company.

Canyon Bancorp

Newspaper:

Federal Register:

FBSEA

Not applicable

eBank Corporation, Tokyo, Japan, to establish 03/13/2006

a representative office in San Francisco,

California, pursuant to Section 10(a) of the

International Banking Act.

EBANK CORPORATION

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Taiwan Cooperative Bank, Taipei, Taiwan, to

retain the Seattle, Washington, and Los

Angeles, California, branch offices of Farmers

Bank of China, as a result of the merger of

Farmers Bank of China, with and into Taiwan

Cooperative Bank.

TAIWAN COOPERATIVE

BANK

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

2912367 1ST PACIFIC BK CA, SAN DIEGO, CALIFORNIA 10/17/2005 02/16/2006 S Small Bank

123178 BANK OF WHITMAN, COLFAX, WASHINGTON 09/12/2005 02/14/2006 S Int Sm Bank

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution Location

EAST WEST BK SAN MARINO, CALIFORNIA

FIRST UT BK SALT LAKE CITY, UTAH

IDAHO BKG CO BOISE, IDAHO

UNITED SCTY BK FRESNO, CALIFORNIA

WESTAMERICA BK SAN RAFAEL, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act