Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 15

Week Ending April 15, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions April 9, 2006 to April 15, 2006

Enforcement

Caisse Nationale de Credit Agricole, Paris, France; Credit Agricole Indosuez; and 

Credit Agricole Indosuez, New York Branch, New York, New York -- written 

agreement dated November 30, 2000, terminated March 9, 2004.

- Announced, April 12, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
April 9, 2006 to April 15, 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

Bank of the Commonwealth, Norfolk, Virginia -- to establish a branch at 229 West 

Bute Street, Suite 320.

- Approved, April 14, 2006 

Richmond

Bank of Virginia, Midlothian, Virginia -- to establish a branch at 4023 West 

Hundred Road, Chester.

- Approved, April 13, 2006 

Richmond

BankEast, Knoxville, Tennessee -- to establish a branch at 901 Parkway, Sevierville.

- Approved, April 13, 2006 

Atlanta

Comerica Bank, Detroit, Michigan -- to establish a branch at 1037 State Road 7, 

Wellington, Florida.

- Approved, April 12, 2006 

Secretary

County Bank, Merced, California -- to establish a branch at 2936 East Hatch Road, 

Ceres.

- Approved, April 11, 2006 

San Francisco

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

at 322 South Broad Street, Edenton.

- Approved, April 13, 2006 

Richmond

Linn County State Bank, Coggon, Iowa -- to establish a branch at 1295 Blairs Ferry 

Road, Marion.

- Approved, April 11, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority April 9, 2006 to April 15, 2006

Bank Branches, Domestic

New Century Bank, Phoenixville, Pennsylvania -- to establish a branch at Lincoln 

Court Shopping Center, Route 30, Malvern.

- Approved, April 14, 2006 

Philadelphia

Orion Bank, Naples, Florida -- to establish a branch at 777 South Flagler Drive, 

West Palm Beach.

- Approved, April 10, 2006 

Atlanta

Regions Bank, Birmingham, Alabama -- to establish a branch at 2565 Woodruff 

Road, Simpsonville, South Carolina.

- Approved, April 12, 2006 

Atlanta

SuffolkFirst Bank, Suffolk, Virginia -- to establish a courier service to pick up 

deposits from customers.

- Approved, April 13, 2006 

Richmond

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 7451 Mount Vernon 

Square Drive, Alexandria, Virginia.

- Approved, April 12, 2006 

Secretary

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 142 East St. James 

Avenue, Goose Creek, South Carolina.

- Approved, April 13, 2006 

Secretary

Virginia Community Bank, Louisa, Virginia -- to establish a branch at the 

intersection of U.S. Routes 15 and 250, Zion Crossroads.

- Approved, April 14, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority April 9, 2006 to April 15, 2006

Bank Holding Companies

Beverly Hills Bancorp, Inc., Calabasas, California -- to engage in limited 

commercial real estate lending.

- Approved, April 13, 2006 

San Francisco

Black Earth Bancshares, Inc., Black Earth, Wisconsin -- to continue to engage in 

lending activities.

- Approved, April 14, 2006 

Chicago

Capitol Bancorp, Ltd., Lansing, Michigan -- to acquire 51 percent of the shares of 

Asian Bank of Arizona, Phoenix, Arizona, a de novo bank; and for its subsidiaries, 

Capitol Development Bancorp Limited IV, Lansing, Michigan, and Asian American 

Financial Services, Inc., to become bank holding companies through the same 

acquisition.

- Approved, April 10, 2006 

Chicago

Capitol Bancorp, Ltd., Lansing, Michigan -- to engage de novo through its 

subsidiary, Capitol Wealth, Inc., in financial and investment advisory activities and 

securities brokerage services.

- Approved, April 13, 2006 

Chicago

Castle Creek Capital Partners III, L.P., Rancho Santa Fe, California; 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 -- to become bank holding companies and to acquire 89 percent of the 

shares of LDF, Inc., Chicago, Illinois, and its subsidiary, Labe Bank; and for Castle 

Creek Capital Partners III, L.P., Rancho Santa Fe, California; Castle Creek Capital 

III LLC; Eggemeyer Capital LLC; Ruh Capital LLC; and Legions IV Advisory 

Corp. to acquire 35 percent of the shares of Atlanta Bancorporation, Inc., 

Alpharetta, Georgia, and thereby acquire Gibsonville Community Bank, Inc., 

Gibsonville, North Carolina.

- Approved, April 11, 2006 

San Francisco

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority April 9, 2006 to April 15, 2006

Bank Holding Companies

Dickinson Financial Corporation II, Kansas City, Missouri, and Dickinson Financial 

Corporation -- waiver of application to acquire Fort Riley Bancshares, Inc., Fort 

Riley, Kansas, in connection with the merger of their subsidiaries, Armed Forces 

Bank, National Association, Fort Leavenworth, and Fort Riley National Bank, Fort 

Riley.

- Granted, April 14, 2006 

Secretary

FNB Corp., Asheboro, North Carolina -- to acquire Integrity Securities, Inc., 

Hickory.

- Withdrawn, April 10, 2006 

Richmond

FNB Corp., Asheboro, North Carolina -- to merge with Integrity Financial 

Corporation, Hickory, and thereby acquire its subsidiaries, including First Gaston 

Bank of North Carolina, Gastonia.

- Approved, April 11, 2006 

Secretary

Freedom Bancshares, Inc., Overland Park, Kansas -- to become a bank holding 

company and to acquire Freedom Bank, a de novo bank.

- Approved, April 13, 2006 

Kansas City

German American Bancorp, Jasper, Indiana -- to acquire 9.9 percent of the shares of 

Indiana Bank Corp., Terre Haute, and thereby acquire The First National Bank of 

Dana, Dana.

- Approved, April 12, 2006 

St. Louis

Lake Bank Shares, Inc. Employee Stock Ownership Plan, Emmons, Minnesota -- to 

increase its ownership from 35.68 percent to 65.67 percent of the shares of Lake 

Bank Shares, Inc.

- Approved, April 13, 2006 

Minneapolis

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority April 9, 2006 to April 15, 2006

Bank Holding Companies

National Bancshares, Inc., Bettendorf, Iowa -- waiver of application to acquire 

Metrocorp, Inc., East Moline, Illinois, in connection with the merger of their 

subsidiaries, The National Bank, Moline, and Metrobank, National Association, 

Davenport, Iowa.

- Granted, April 13, 2006 

Chicago

New Century Bancorp, Inc., Dunn, North Carolina -- waiver of application to 

acquire Progressive State Bank, Lumberton, in connection with the merger of 

Progressive State Bank and New Century Bank South, Fayetteville.

- Withdrawn, April 14, 2006 

Richmond

Placer Sierra Bancshares, Sacramento, California; California Community Financial 

Institutions Fund Limited Partnership, San Francisco; and Belvedere Capital 

Partners LLC -- to acquire Southwest Community Bancorp, Carlsbad, and 

Southwest Community Bank, Encinitas; and for Placer Sierra Bank, Auburn, to 

merge with Southwest Community Bank and thereby establish branches.

- Approved, April 14, 2006 

Secretary

SEE Trust, Miami, Florida -- to form a bank holding company and to acquire 25.32 

percent of the shares of TransAtlantic Bank.

- Returned, April 14, 2006 

Atlanta

Towne Bancorp, Inc., Mesa, Arizona -- to become a bank holding company and to 

acquire Towne Bank of Arizona.

- Approved, April 13, 2006 

San Francisco

Vision Bancshares, Inc., St. Louis Park, Minnesota -- to engage de novo in 

extending credit and servicing loans.

- Approved, April 13, 2006 

Minneapolis

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority April 9, 2006 to April 15, 2006

Bank Holding Companies

Wachovia Corporation, Charlotte, North Carolina -- to engage on a limited basis in 

physical commodity trading activities as an activity complementary to a financial 

activity.

- Approved, April 13, 2006 

Director, BS&R

Change In Bank Control

Cascade Bancorp, Bend, Oregon -- change in bank control.

- Permitted, April 14, 2006 

Secretary

Financial Services of St. Croix Falls, Inc., St. Croix Falls, Wisconsin -- change in 

bank control.

- Withdrawn, April 11, 2006 

Minneapolis

NSB Bancshares, Inc., La Crosse, Kansas -- to retain control of NSB Bancshares, 

Inc.

- Permitted, April 11, 2006 

Kansas City

Competitive Factors Reports

Beardstown Savings, S.B., Beardstown, Illinois -- report on competitive factors of 

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

Mt. Sterling branch of First Bank, Creve Coeur, Missouri.

- Submitted, April 11, 2006 

Chicago

First State Bank of Campbell Hill, Campbell Hill, Illinois -- report on competitive 

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

liabilities of the Steeleville branch of First National Bank in Pinckneyville, 

Pinckneyville.

- Submitted, April 12, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority April 9, 2006 to April 15, 2006

Competitive Factors Reports

Home Bank, Lafayette, Louisiana -- report on competitive factors of the proposed 

merger with Crowley Building & Loan Association, Crowley.

- Submitted, April 13, 2006 

Atlanta

National City Corporation, Cleveland, Ohio -- report on competitive factors of the 

proposed acquisition of Forbes First Financial Corporation, St. Louis, Missouri.

- Submitted, April 12, 2006 

Cleveland

The Northern Savings & Loan Company, Elyria, Ohio -- report on competitive 

factors of the proposed merger with First Place Interim Bank, Warren.

- Submitted, April 12, 2006 

Cleveland

The Port Washington State Bank, Port Washington, Wisconsin -- report on 

competitive factors of the proposed purchase of certain assets and assumption of 

certain liabilities of the Grafton branch of Marine Bank, Wauwatosa.

- Submitted, April 11, 2006 

Chicago

River Falls State Bank, River Falls, Wisconsin -- report on competitive factors of 

the proposed merger with River Falls Investments, Inc.

- Submitted, April 14, 2006 

Minneapolis

TrustBank, Olney, Illinois -- report on competitive factors of the proposed purchase 

of certain assets and assumption of certain liabilities of the Tempe, Arizona, branch 

of Bank of the Southwest.

- Submitted, April 12, 2006 

St. Louis

Wells Fargo Bank, National Association, Sioux Falls, South Dakota -- report on 

competitive factors of the proposed merger with State Bank of Rogers, Rogers, 

Minnesota, in connection with a corporate reorganization.

- Submitted, April 13, 2006 

Secretary

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority April 9, 2006 to April 15, 2006

Extensions Of Time

Bank of Lincoln County, Elsberry, Missouri -- extension to December 31, 2006, to 

establish a branch at 4001 East Highway 47, Winfield.

- Granted, April 12, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 8 of 8
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending April 15, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

05/11/2006

Section 3 application by First Suffield Financial

Inc., Suffield, Connecticut, to become a bank

holding company by acquiring 100% of the

outstanding shares of The First National Bank

of Suffield, Suffield, Connecticut.

FIRST SUFFIELD FINANCIAL,

INC.

* 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 15, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The Governor and Company of The Bank of

Ireland, Dublin, Ireland to establish a branch

office in Stamford, Connecticut, pursuant to

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

GOVERNOR AND COMPANY

OF THE BANK OF IRELAND,

THE

Newspaper:

Federal Register:

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 15, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Boardwalk Bancorp, Inc, Linwood, NJ, to form

a bank holding company by acquiring 100% of

the voting shares of Boardwalk Bank, Linwood,

NJ.

Boardwalk Bancorp, Inc

Newspaper:

Federal Register:

* 3A3 05/12/2006

05/15/2006

Royal Bancshares of Pennsylvania, Inc.,

Narberth, PA, to acquire Royal Asian Bank,

Philadelphia.

ROYAL BANCSHARES OF

PENNSYLVANIA, INC.

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending April 15, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Citizens National Corporation, Paintsville,

Kentucky, to acquire 100 percent of the

common shares of Heritage Bank of Ashland,

Inc., Ashland, Kentucky

CITIZENS NATIONAL

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 04/13/2006

establish a branch at 3153 Commerce Lane,

Ionia, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 04/12/2006

establish a branch at 5430 State Street,

Saginaw, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 3A3 04/26/2006

04/28/2006

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.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending April 15, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

BB&T Corporation, Winston-Salem, North

Carolina, to acquire 100% of the voting

securities of First Citizens Bancorp, Cleveland,

Tennessee.

BB&T CORPORATION

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Citizens Bank & Trust Company, Blackstone,

Virginia, to establish a branch facility to be

located at 622 E. Atlantic Street, South Hill,

Virginia.

CITIZENS BANK AND TRUST

COMPANY

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Citizens Bank & Trust Company, Blackstone,

Virginia, to increase its investment in bank

premises in the amount of $752,500.

CITIZENS BANK AND TRUST

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

First Capital Bank, Glen Allen, Virginia, 04/25/2006

proposes to establish a branch at 1504 Santa

Rosa Road, Suite 102, Richmond, Virginia.

FIRST CAPITAL 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 15, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Algiers Bancorp, Inc., Baton Rouge, Louisiana,

prior change in control notice by the Robin and

Cherie Arkley Revocable Algiers Bancorp Stock

Trust, Eureka, California, with Robin P. Arkley

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

trustees to acquire 57 percent; the Allison E.

Arkley Trust #5, Eureka, California, with

Russell N. Bacon, managing member of CTT,

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

trustees to acquire 19 percent; and the Elizabeth

A. Arkley Trust #5, with Russell N. Bacon,

managing member of CTT, LLC, Eureka,

California, and John L. Piland as trustees to

acquire 19 percent; and Jack J. Mendheim and

Stephanie C. Medheim, Folsom, Louisiana, to

collectively acquire 5 percent of the outstanding

shares of Algiers Bancorp, Inc., Baton Rouge,

Louisiana, and its subsidiary, Statewide Bank,

Terrytown, Louisiana.

ALGIERS BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Capital City Bank, Tallahassee, Florida, to 04/18/2006

establish a branch located at 5200 Newberry

Road, Gainesville, Florida.

CAPITAL CITY BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 04/19/2006

establish a branch located at 4115 East Colfax

Avenue, Denver, Colorado, to be known as the

Denver - Colfax Office.

COMPASS BANK

Newspaper:

Federal Register:

* 3A1 05/09/2006

05/10/2006

FEB Bancshares, Inc., to become a bank

holding company by acquiring 100 percent of

the outstanding shares of Farmers Exchange

Bank, both of Louisville, Alabama.

FEB BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

Hometown of Homestead, Inc., Ft. Pierce,

Florida (Hometown), to become a bank holding

company by acquiring 100 percent of the

outstanding shares of First of Homestead, Inc.,

and its subsidiary, 1st National Bank of South

Florida (Bank), both of Homestead, Florida.

Also enclosed are the applications by

Hometown Banking Company, Ft. Pierce,

Florida; The Prosperity Banking Company,

Inc., St. Augustine, Florida; and Riverside Gulf

Coast Banking Company, Cape Coral, Florida,

to collectively acquire up to 50 percent of the

outstanding shares of Hometown and Bank.

Hometown will change its name to Hometown

of Homestead Banking Company after

consummation.

HOMETOWN OF HOMESTEAD,

INC.

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

Federal Reserve Bank of Atlanta

Filings received during the week ending April 15, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/18/2006

04/24/2006

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 04/18/2006

establish a branch located at 1471 Timberlane

Road, Tallahassee, Florida.

REGIONS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 04/22/2006

establish a branch located at 3112 Zelda Road,

Montgomery, Alabama.

REGIONS BANK

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 a 04/23/2006

branch located at 9836 Rea Road, Charlotte,

North Carolina, to be known as the Blakeney

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 15, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Baylake Bank, Sturgeon Bay, Wisconsin, to 04/18/2006

establish a branch facility to be located at 2502

Lineville Road, Green Bay, Wisconsin.

BAYLAKE BANK

Newspaper:

Federal Register:

* 3A1 Not available

05/11/2006

Birmingham Bloomfield Bancshares, Inc.,

Birmingham, Michigan, to become a bank

holding company by acquiring 100 percent of

the voting shares of Bank of Birmingham (in

organization), Birmingham, Michigan.

BIRMINGHAM BLOOMFIELD

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3

* 3A1

04/14/2006

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:

* Branch

Not applicable

Central Bank, Storm Lake, Iowa, to establish a 04/27/2006

branch facility to be located at 2906 Hamilton

Boulevard, Sioux City, Iowa.

CENTRAL BANK

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

05/01/2006

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:

* 3A1 Not available

Not available

Gateway Banc Corp., Roscoe, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of Gateway

Community Bank, Roscoe, Illinois.

Gateway Banc Corp.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Johnson Bank, Racine, Wisconsin, to merge

with Johnson Bank Arizona, National

Association, Phoenix, Arizona, and thereby to

establish 8 branches.

JOHNSON BANK

Newspaper:

Federal Register:

* 3A1 Not available

05/12/2006

Monarch Community Bancorp, Inc., Coldwater,

Michigan, to become a bank holding company

by acquiring 100 percent of the voting shares of

Monarch Community Bank, Coldwater,

Michigan.

MONARCH COMMUNITY

BANCORP, INC

Newspaper:

Federal Register:

* 3A1 05/03/2006

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 15, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/22/2006

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, the Kenneth W. Stumpf Keogh, 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

* 3A1

05/08/2006

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 05/09/2006

05/11/2006

First Horizon National Corporation, Memphis,

Tennessee, to acquire 100 percent of The State

Bank, Rocky Ford, Colorado.

FIRST HORIZON NATIONAL

CORPORATION

Newspaper:

Federal Register:

* 3A1 05/14/2006

05/15/2006

Triumph Bancshares, Inc., Germantown,

Tennessee, to become a bank holding company

by acquiring 100 percent of Triumph Bank,

Germantown, Tennessee (in organization).

TRIUMPH BANCSHARES, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending April 15, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/17/2006

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

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.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending April 15, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 05/01/2006

05/11/2006

Citizens National Corporation, Wisner,

Nebraska, to acquire 40 percent of the voting

shares of Republic Corporation, parent of

United Republic Bank (in organization), both in

Omaha, Nebraska.

CITIZENS NATIONAL

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Community Banks of Colorado, Greenwood 04/30/2006

Village, Colorado, to establish a branch at 262

Pagosa Street, Pagosa Springs, Colorado.

COMMUNITY BANKS OF

COLORADO

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Dickinson Financial Corporation II and

Dickinson Financial Corporation, Kansas City,

Missouri, to acquire 100 percent of the voting

shares of Southern Commerce Bank, Tampa,

Florida.

DICKINSON FINANCIAL

CORPORATION II

Newspaper:

Federal Register:

* 3A3 05/08/2006

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 Not available

05/12/2006

The Farmers State Bank of Fort Morgan,

Colorado Employee Stock Ownership Plan, to

acquire up to 38 percent of the voting shares of

FSB Bancorporation of Fort Morgan, Colorado,

parent of Farmers State Bank of Fort Morgan,

all in Fort Morgan, Colorado.

FARMERS STATE BANK OF

FORT MORGAN COLORADO

EMPLOYEE STOCK

OWNERSHIP PLAN, THE

Newspaper:

Federal Register:

* Branch

Not applicable

First Option Bank, Osawatomie, Kansas, to 04/12/2006

establish a branch at 223rd and Price Chopper

Drive, Spring Hill, Kansas.

FIRST OPTION BANK

Newspaper:

Federal Register:

* 3A3 05/20/2006

05/15/2006

First Pryor Bancorp, Inc., Pryor, Oklahoma, to

acquire 14.29 percent of the voting shares of

Carson River Community Bank (in

organization), Carson City, Nevada.

FIRST PRYOR BANCORP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Guarantee State Bank, to establish a branch at

702 N. Sheridan Road, both in Lawton,

Oklahoma.

GUARANTEE STATE BANK,

THE

* 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 15, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Tradition Bank, Houston, Texas, to establish a 04/24/2006

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 15, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/30/2006

Notice by the Shen Group, consisting of Bruce

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

Faye Shen, Rancho Palos Verdes, California,

Ted Tai-Hsi Shen and Allison Chiang, San

Marino, California, and Hsinya Shen, Palo

Alto, California, to retain 17.2 percent of

American Premier Bancorp, Arcadia,

California, and thereby indirectly retain

ownership in American Premier Bank, Arcadia,

California.

AMERICAN PREMIER

BANCORP

Newspaper:

Federal Register:

CIC Not available

04/06/2006

Notice by the Sun Group, consisting of John

Chung-Yuan Sun, Judy Chen-Mei Sun, Rancho

Palos Verdes, California, and Jaclyn Chen-Hoa

Sun, New York, New York, to retain 11.4

percent ownership of American Premier

Bancorp, Arcadia, California, and thereby

indirectly retain ownership in American

Premier Bank, Arcadia, California.

AMERICAN PREMIER

BANCORP

Newspaper:

Federal Register:

* 3A1 05/03/2006

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:

* 18C

* Branch Not applicable

North Valley Bank, Redding, California, to 05/03/2006

merge with NVB Business Bank, Woodland,

California.

NORTH VALLEY BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Presidio Bank (In Organization), San

Francisco, California, to become a member of

the Federal Reserve System.

PRESIDIO BANK

Newspaper:

Federal Register:

* 3A1 Not available

05/08/2006

Skagit State Bancorp to become a bank holding

company by acquiring 100 percent of Skagit

State Bank, both of Burlington, Washington.

SKAGIT STATE BANCORP

* 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