Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 51

Week Ending December 17, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 11, 2005 to December 17, 2005

Advisory Councils

Consumer Advisory Council -- appointment of ten new members and designation of 

Lori Swanson as Chair and Lisa Sodeika as Vice Chair for 2006.

- Approved, December 16, 2005 

Bank Holding Companies

Bank of America Corporation, Charlotte, North Carolina -- to acquire MBNA 

Corporation, Wilmington, Delaware.

- Approved, December 15, 2005 

Cathay General Bancorp, Los Angeles, California -- to acquire Great Eastern Bank, 

New York, New York.

- Approved, December 12, 2005 

NBT Bancorp Inc., Norwich, New York -- to merge with CNB Bancorp, Inc., 

Gloversville, and thereby acquire its subsidiary, City National Bank and Trust 

Company.

- Approved, December 13, 2005 

New York Community Bancorp, Inc., Westbury, New York -- to merge with Long 

Island Financial Corp., Islandia, and thereby acquire its subsidiary, Long Island 

Commercial Bank.

- Approved, December 14, 2005 

Treetops Acquisition Group LP, Grand Cayman, Cayman Islands; Treetops 

Acquisition Group, Ltd.; Treetops Acquisition Group II LP, Treetops Acquisition 

Group II, Ltd.; Cam-Discount, Ltd.; and Edgar M. Bronfman IDB Trusts A through 

G, Quebec, Canada -- to become bank holding companies and to acquire up to 51 

percent of the shares of Israel Discount Bank, Ltd., Tel Aviv, Israel, and thereby 

acquire control of Israel Discount Bank of New York, New York, New York.

- Approved, December 16, 2005 

Board Operations

Board -- budgets for 2006-2007.

- Approved, December 15, 2005 

Office of Inspector General -- budget for 2006-2007.

- Approved, December 15, 2005 

(AC) = Addition or Correction Board - Page 1 of 2
H.2 Board Actions December 11, 2005 to December 17, 2005

Discount Rates

Discount and Advance Rates -- increase in the primary credit rate from 5 percent to 

5-1/4 percent by twelve Federal Reserve Banks.

- Approved, December 13, 2005 

(AC) = Addition or Correction Board - Page 2 of 2
December 11, 2005 to December 17, 2005

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Comerica Bank, Detroit, Michigan -- to establish a branch at 7789 Sashabaw Road, 

Clarkston.

- Approved, December 14, 2005 

Secretary

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1 South 

Dearborn Street, Suite 110, Chicago, Illinois.

- Approved, December 15, 2005 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2934 North 

Milwaukee Avenue, Unit A, Chicago, Illinois.

- Approved, December 15, 2005 

Cleveland

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

2460 Baseline Road, Boulder.

- Approved, December 13, 2005 

Kansas City

Planters Bank & Trust Company of Virginia, Staunton, Virginia -- to establish a 

branch at 2201 Graves Mill Road, Forest.

- Approved, December 15, 2005 

Richmond

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 19391 Lansdowne 

Boulevard, Leesburg, Virginia.

- Approved, December 13, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority December 11, 2005 to December 17, 2005

Bank Holding Companies

Belmont Financial Group, Inc., Chicago, Illinois -- to become a bank holding 

company and to acquire Belmont Bank & Trust Company, a de novo bank.

- Approved, December 15, 2005 

Chicago

Buena Vista Bancorp, Inc., Chester, Illinois -- to acquire Citizens Community Bank 

of Decatur, Decatur.

- Approved, December 16, 2005 

St. Louis

Clay County State Bancshares, Inc., Louisville, Illinois -- to become a bank holding 

company and to acquire Clay County State Bank.

- Approved, December 13, 2005 

St. Louis

First State Associates, Inc., Hawarden, Iowa -- to acquire the remaining 50 percent 

of the shares of The Hawarden Banking Company and thereby acquire First State 

Bank.

- Approved, December 15, 2005 

Chicago

Hamilton State Bancshares, Inc., Braselton, Georgia -- to become a bank holding 

company and to acquire Hamilton State Bank.

- Approved, December 15, 2005 

Atlanta

National Penn Bancshares, Inc., Boyertown, Pennsylvania -- to acquire Nittany 

Financial Corp., State College, and thereby acquire Nittany Bank.

- Approved, December 15, 2005 

Philadelphia

Patriot Bancshares, Inc., Houston, Texas, in formation -- to acquire Quadco 

Bancshares, Inc., Ladonia, and thereby acquire Farmers & Merchants State Bank.

- Approved, December 14, 2005 

Dallas

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority December 11, 2005 to December 17, 2005

Bank Holding Companies

Rurban Financial Corp., Defiance, Ohio -- to acquire Exchange Bancshares, Inc., 

Luckey, and thereby acquire The Exchange Bank

- Approved, December 13, 2005 

Cleveland

Southern Connecticut Bancorp, Inc., New Haven, Connecticut -- to acquire The 

Bank of Southeastern Connecticut, New London, a de novo bank.

- Withdrawn, December 16, 2005 

Boston

SouthwestUSA Corporation, Las Vegas, Nevada -- to acquire Trustar Corporation 

and thereby acquire Nevada Trust Company and engage in trust activities.

- Withdrawn, December 12, 2005 

San Francisco

Whitaker Bank Corporation of Kentucky, Lexington, Kentucky -- to acquire Berea 

Community Bank, Inc., Berea (formerly known as Berea National Bank).

- Approved, December 12, 2005 

Cleveland

Bank Mergers

Chemical Bank and Trust Company, Midland, Michigan -- to merge with Chemical 

Bank West, Walker, and Chemical Bank Shoreline, Benton Harbor, and thereby 

establish branches.

- Approved, December 14, 2005 

Chicago

First Community Bank, Taos, New Mexico -- to merge with AccessBank, Clovis, 

and Ranchers Banks, Belen, and thereby establish branches; and waiver of 

application requirement for First Community Bank's parent holding company, First 

State Bancorporation, Albuquerque, to acquire Access Anytime Bancorp, Inc. and 

New Mexico Financial Corporation, Belen, in connection with the mergers.

- Approved, December 14, 2005 

Secretary

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority December 11, 2005 to December 17, 2005

Bank Mergers

Peoples Bank & Trust Company of Madison County, Berea, Kentucky -- to merge 

with Berea Community Bank, Inc. (formerly known as Berea National Bank) and 

thereby establish branches.

- Approved, December 16, 2005 

Cleveland

Change In Bank Control

First Mountain Company, Montrose, Colorado -- change in bank control.

- Permitted, December 13, 2005 

Kansas City

Competitive Factors Reports

Community Bank of Central Wisconsin, Colby, Wisconsin -- report on competitive 

factors of the proposed purchase of assets and assumption of liabilities of the Thorp 

branch of M&I Marshall & Ilsley Bank, Milwaukee.

- Submitted, December 12, 2005 

Chicago

Frontier Bank, Everett, Washington -- report on competitive factors of the proposed 

merger with NorthStar Bank, Seattle.

- Submitted, December 16, 2005 

San Francisco

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

proposed acquisition of certain assets of Belk National Bank, Lawrenceville, 

Georgia.

- Submitted, December 16, 2005 

San Francisco

Lake Shore Savings and Loan Association, Dunkirk, New York -- report on 

competitive factors of the proposed merger with Lake Shore Interim Savings Bank I 

and Lake Shore Interim Savings Bank II in connection with the proposed conversion 

and reorganization of Lake Shore, MHC.

- Submitted, December 14, 2005 

New York

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority December 11, 2005 to December 17, 2005

Competitive Factors Reports

Midwest Heritage Bank FSB, Chariton, Iowa -- report on competitive factors of the 

proposed transfer of assets and deposits of three of its branches to Community 

American Credit Union, Kansas City, Missouri.

- Submitted, December 12, 2005 

Chicago

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

of the proposed merger with Great Eastern Bank, New York, New York.

- Submitted, December 15, 2005 

San Francisco

Extensions Of Time

Bank of Smithtown, Smithtown, New York -- extension to September 30, 2006, to 

establish a branch at 3460 Veterans Memorial Highway, Suffolk County.

- Granted, December 14, 2005 

New York

International Operations

JPMorgan Chase & Co., New York, New York -- request to modify the aggregate 

investment limit of Regulation K for JPMorgan Chase Bank, National Association, 

Columbus, Ohio; J.P. Morgan International Inc., New York, New York; Bank One 

International Holdings Corporation, Chicago, Illinois; and J.P. Morgan International 

Finance Limited, Newark, Delaware.

- Approved, December 15, 2005 

Director, BS&R

Membership

The First National Bank of Manhattan, Manhattan, Illinois -- to retain membership 

in the Federal Reserve System on conversion to a state charter.

- Approved, December 13, 2005 

Chicago

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority December 11, 2005 to December 17, 2005

Membership

Superior National Bank, Superior, Wisconsin -- to retain membership in the Federal 

Reserve System on conversion to a state chartered bank to be known as Superior 

Bank and request to exceed the limit of investment in bank premises.

- Approved, December 16, 2005 

Minneapolis

Regulations And Policies

Regulation C -- annual notice of the asset-size exemption threshold for depository 

institutions under the Home Mortgage Disclosure Act (Docket No. R-1245).

- Approved, December 15, 2005 

Director, C&CA

Regulation CC -- technical amendments to Appendix A to reflect the restructuring 

of check processing operations in the Atlanta Federal Reserve District, and advance 

notice of future changes to Appendix A regarding the New York and Philadelphia 

Reserve Districts (Docket No. R-1244).

- Approved, December 13, 2005 

Secretary

Short-term Interest Rates -- increase in the target for the federal funds rate from 4 

percent to 4-1/4 percent.

- Approved, December 13, 2005 

FOMC

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

Federal Reserve Bank of Boston

Filings received during the week ending December 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice pursuant to the Change in Bank Control

Act of 1978 by Joseph A. Riley who would

become a member of a group of related family

interests that currently owns greater than 25%

of the voting shares of Northern Bancorp, Inc.,

Woburn, Massachusetts.

NORTHERN BANCORP, INC.

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending December 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Banco Popular North America, New York, 12/23/2005

New York to open four branch offices at (1)

1540 E. 2nd Street, Beaumont (Riverside

County), California,(RSSD-3396683) (2) 888

Disneyland Drive, Anaheim (Orange County),

California (RSSD-2769543), (3) 1861 S. San

Jacinto Avenue, San Jacinto (Riverside

County), California (RSSD-3396692), and (4)

34500 Monterey Avenue, Palm Desert

(Riverside County), California

(RSSD-3396704).

BANCO POPULAR NORTH

AMERICA

Newspaper:

Federal Register:

* 4c8 Not available

01/12/2006

Banco Santander Central Hispano, S.A.,

Madrid, Spain, pursuant to Section 4(c)(8) of

the BHC Act and Section 225.24 of Regulation

Y, to acquire 24.99 percent of the voting shares

of Sovereign Bancorp, Inc., Philadelphia,

Pennsylvania, and thereby indirectly acquire

Sovereign Bank, Wyomissing, Pennsylvania,

and Independence Community Bank,

Brooklyn, New York, and thereby engage in

operating savings associations, pursuant to

Section 225.28(b)(4) of Regulation Y.

BANCO SANTANDER

CENTRAL HISPANO, S.A.

Newspaper:

Federal Register:

CIC Not available

01/04/2006

Notice of Change in Bank Control pursuant to

the Change in Bank Control Act of 1978, as

amended, by Jacinto Rodrigues and Joaquina

Rodrigues, both of Warren, New Jersey, to

acquire 966,166 of the common shares of

CGD-USA Holding Company, Inc., New York,

New York, from Caixa Geral de Depositos,

Lisbon, Portugal. As a result of this

transaction, Jacinto and Joaquina Rodrigues

will own 100% of the outstanding shares of

CGD-USA.

CGD USA HOLDING

COMPANY, INC.

Newspaper:

Federal Register:

* 3A1 Not available

01/06/2006

Community Partners Bancorp, Middletown,

New Jersey, to become a bank holding

company through the acquisition of 100

percent of the voting shares of Two River

Community Bank, Middletown, New Jersey

and The Town Bank, Westfield, New Jersey,

pursuant to Section 3(a)(1) of the BHC Act.

COMMUNITY PARTNERS

BANCORP

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Notice by Bank Hapoalim B.M., Arison

Holdings Ltd. and Israel Salt Industries Ltd. all

of Tel Aviv, Israel to acquire Investec USA,

New York, NY and thereby engage in

nonbanking activities pursuant to Sections

225.28(b)(6), (7) and (8) of Regulation Y.

ISRAEL SALT INDUSTRIES

LTD.

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 12/30/2005

Buffalo, New York, requests approval to

establish a temporary full-service branch to be

located at 11200 Racetrack Road, Berlin,

Worcester County, Maryland

(RSSD-3397121).

MANUFACTURERS AND

TRADERS TRUST COMPANY

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

Federal Reserve Bank of New York

Filings received during the week ending December 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 12/30/2005

01/06/2006

Application by Rabobank Nederland B.V. and

Rabobank International Holdings B.V both of

Utrecht, the Netherlands, and their direct and

indirect subsidiairies Utrect-America Holdings,

New York, New York and VIB Corporation, El

Centro, California to acquire Central Coast

Bancorp and thereby its banking subsidiairy

Community Bank of Central California, both

of Salinas, California pursuant to Section

3(a)(3) of the BHCA.

RABOBANK NEDERLAND

* 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 December 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Premises Not applicable

Orrstown Bank, Shippensburg, PA, to establish

a branch office at 201 South Cleveland

Avenue, City of Hagerstown, Washington

County, MD

ORRSTOWN BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Woodlands Bank, Williamsport, PA, to

establish a branch office located at 1980 West

Fourth Street, Williamsport, PA.

WOODLANDS BANK

* 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 December 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/23/2005

Interagency Notice of Change in Bank Control

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

as attorney and agent on behalf of Mark

Dunlap to vote 58.25 shares or 55.48% of the

outstanding voting shares of New Richmond

Bancorporation, New Richmond, OH.

NEW RICHMOND

BANCORPORATION

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

189129 COMMERCIAL & SVG BK, MILLERSBURG, OHIO 06/20/2005 10/26/2005 S Large Bank

362717 CROGHAN COLONIAL BK, FREMONT, OHIO 03/07/2005 06/06/2005 O Large Bank

43324 EXCHANGE BK, LUCKEY, OHIO 06/06/2005 09/06/2005 S Small Bank

615217 NORTH SIDE B&TC, CINCINNATI, OHIO 11/29/2004 12/13/2005 NI Large Bank

1445943 WHITAKER BK, LEXINGTON, KENTUCKY 05/16/2005 09/08/2005 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending December 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Harbor Bank Group, Inc., Charleston, South

Carolina, to become a bank holding company

through the acquisition of 100% of the voting

securities of Harbor National Bank,

Charleston, South Carolina (in organization).

HARBOR BANK GROUP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

RBC Centura Bank, Rocky Mount, North

Carolina, to establish a branch located at 3155

Cobb Parkway SE, Suite 100, Atlanta, Georgia

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

RBC Centura Bank, Rocky Mount, North

Carolina, to establish a branch located at 2900

Peachtree Road NE, Suite 102, Atlanta,

Georgia

RBC CENTURA 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 December 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

BJC Holdings, Inc., Graceville, Florida,

after-the-fact change in control notice filed by

Thomas W. Wilder, III, Slocomb, Alabama,

and Thomas W. Wilder, IV, Marianna,

Florida, to retain 92.28 percent of the

outstanding shares of BJC Holdings, Inc.,

Graceville, Florida, and its subsidiary, Bank of

Jackson County, Graceville, Florida.

BJC HOLDINGS,INC.

Newspaper:

Federal Register:

* 3A3 01/12/2005

01/17/2006

CenterState Banks of Florida, Inc., Winter

Haven, Florida (BHC), to acquire CenterState

Bank Mid Florida, Leesburg, Florida (Bank).

Bank will be merged with and into a

wholly-owned interim banking subsidiary,

CenterState Interim Bank, Leesburg, Florida,

organized by BHC, to facilitate the acquisition.

CENTERSTATE BANKS OF

FLORIDA, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 12/22/2005

establish a branch located in The Mall at

Sierra Vista, 2000 S. Highway 92, Sierra

Vista, Arizona, to be known as the Sierra Vista

- Mall Branch.

COMPASS BANK

Newspaper:

Federal Register:

CIC 12/27/2005

12/23/2005

General Bancshares, Inc., Jasper, Tennessee

(Bancshares), prior change in control filed by

Clara Brown, Jasper, Tennessee, to acquire

1.62 percent of the outstanding stock of

General Bancshares, Inc., and its subsidiary

bank, Citizens State Bank, Jasper, Tennessee.

Pro forma total ownership will be 12.32

percent.

GENERAL BANCSHARES,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 12/17/2005

establish branches at the following locations:

4354 Lawrenceville Highway, Lilburn,

Georgia, and 3880 LaVista Road, Tucker,

Georgia.

REGIONS BANK

Newspaper:

Federal Register:

* 4c8 12/30/2005

12/29/2005

The Savannah Bancorp, Inc., Savannah,

Georgia, to acquire 100 percent of the

outstanding shares of Harbourside Community

Bank, Hilton Head, South Carolina, and

thereby engage in operating a savings

association.

SAVANNAH BANCORP, INC.,

THE

* 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

539032 BANK INDEP, SHEFFIELD, ALABAMA 08/15/2005 12/04/2005 S Large Bank

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 December 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Member 01/03/2006

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

100 percent of the voting shares of Corridor

State Bank (in organization), Coralville, Iowa,

and for Corridor State Bank (in organization),

Coralville, Iowa, to become a member in the

Federal Reserve System.

AJJ BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

12/27/2005

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited III,

Lansing, Michigan, to acquire 51 percent of

the voting shares of Community Bank of

Rowan (in organization), Salisbury, North

Carolina.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch

Not applicable

Citizens Bank, Flint, Michigan, to establish a 12/16/2005

branch facility to be located at 49125 Grand

River Avenue, Novi, Michigan.

CITIZENS BANK

Newspaper:

Federal Register:

* 3A3 01/03/2006

01/09/2006

FBOP Corporation, Oak Park, Illinois, to

acquire 28.26 percent of the voting shares of

Community Bank of Lemont, Lemont, Illinois.

FBOP CORPORATION

Newspaper:

Federal Register:

* 3A1 12/21/2005

12/19/2005

First Internet Bancorp, Indianapolis, Indiana,

to become a bank holding company by

acquiring 100 percent of the voting shares of

First Internet Bank of Indiana, Indianapolis,

Indiana.

FIRST INTERNET BANCORP

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Iowa State Bank Holding Company, Des

Moines, Iowa, for prior approval to hold real

estate for the purpose of economic development

pursuant to Section 225.28(b)(12) of

Regulation Y.

IOWA STATE BANK

HOLDING COMPANY

Newspaper:

Federal Register:

* 4c8 Not available

* 3A3 12/19/2005

MainSource Financial Group, Inc.,

Greensburg, Indiana, to acquire 100 percent of

the voting shares of Union Community

Bancorp, Crawfordsville, Indiana, and thereby

indirectly acquire Union Federal Savings and

Loan Association, Crawfordsville, Indiana.

The Savings Association will merge into

MainSource Bank-Crawfordsville, a newly

formed Indiana state-chartered commercial

bank.

MAINSOURCE FINANCIAL

GROUP, INC.

* 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 December 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

01/12/2006

Boulevard Bancshares, Inc., Chesterfield,

Missouri, to become a bank holding company

by acquiring 100 percent of WestBridge Bank

& Trust Company, Chesterfield, Missouri (in

organization).

BOULEVARD BANCSHARES,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Cross County Bank, Wynne, Arkansas, to 12/24/2005

establish a temporary branch facility to be

located at 2212 Fowler Avenue, Suite B,

Jonesboro, Arkansas.

CROSS COUNTY BANK

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Cross County Bank, Wynne, Arkansas, to

increase its investment in bank premises in the

amount of $2.16 million, which will increase

total investment to 165 percent of capital stock

and surplus.

CROSS COUNTY BANK

Newspaper:

Federal Register:

CIC Not available

01/04/2006

Notice by the Ferguson family control group, to

retain control of DBT Financial Corporation,

DeWitt, Arkansas. The control group consists

of Carolyn Ferguson Pryor, Jackson,

Mississippi, Nancy Ferguson Rasco, Hot

Springs, Arkansas, Rebecca Ferguson

Ehrlicher, Memphis, Tennessee, the Carolyn

Ferguson Prior Trust (Carolyn Ferguson Pryor

and DeWitt Bank & Trust, DeWitt, Arkansas,

as co-trustees), the Nancy Ferguson Rasco

Trust (Nancy Ferguson Rasco and DeWitt

Bank & Trust as co-trustees), the Rebecca

Ferguson Ehrlicher Trust (Rebecca Ferguson

Ehrlicher and DeWitt Bank & Trust as

co-trustees), the Charles W. Rasco III Marital

Trust, (DeWitt Bank & Trust as trustee), and

the Elmer Ferguson Farms, Inc., DeWitt,

Arkansas.

DBT FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

01/05/2006

The Templar Fund, Inc., Saint Louis, Missouri,

Trubank Securities Trust, Clayton, Missouri,

and Truman Bancorp, Inc., Clayton, Missouri,

to acquire 100 percent of FFC Financial

Corporation, St. Louis, Missouri, and thereby

indirectly acquire Keystone Bank, Northwoods,

Missouri.

TEMPLAR FUND, INC., THE

* 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 December 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/06/2006

Beulah Bancorporation, Inc., Sioux Falls,

South Dakota to acquire 100 percent of Valley

Bank & Trust, Mapleton, Iowa.

BEULAH BANCORPORATION,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

01/06/2006

Fishback Financial Corporation, Brookings,

South Dakota, to acquire 100 percent of the

outstanding stock of FMB Bankshares, Inc.,

Sioux Falls, South Dakota, and thereby

indirectly acquire First American Bank &

Trust, N.A., Sioux Falls, South Dakota.

FISHBACK FINANCIAL

CORPORATION

* 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

777254 FARMERS ST BK OF WEST CONCORD, WEST CONCORD, MINNESOTA 08/01/2005 11/07/2005 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending December 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

First Community Bancshares, Inc., Overland

Park, Kansas, to acquire 100 percent of the

voting shares of Corning Investment Company,

Inc., Centralia, Kansas, parent of The Farmers

State Bank of Corning, Corning, Kansas.

FIRST COMMUNITY

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Great American Bank, De Soto, Kansas, to 12/23/2005

establish branches at Barry Road and Green

Hills Road, Kansas City, Missouri; and at

Dean Avenue and Highway 58, Raymore,

Missouri.

GREAT AMERICAN BANK

Newspaper:

Federal Register:

* 3A1 Not available

01/17/2006

Pawhuska Financial Corp. to become a bank

holding company through the acquisition of

100 percent of the voting shares of First

National Bank of Pawhuska, both in

Pawhuska, Oklahoma.

PAWHUSKA FINANCIAL

CORP.

Newspaper:

Federal Register:

* 3A3 01/08/2006

12/30/2005

United Bancorporation of Wyoming, Inc.,

Jackson, Wyoming, to acquire 100 percent of

the voting shares of First National Bank

Holding Company, Inc., and thereby indirectly

acquire First National Bank of Pinedale, both

in Pinedale, Wyoming.

UNITED BANCORPORATION

OF WYOMING, 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

255556 CITIZENS B&TC OF ARDMORE, ARDMORE, OKLAHOMA 09/12/2005 12/01/2005 S Small Bank

172457 CITIZENS BK OF EDMOND, EDMOND, OKLAHOMA 09/12/2005 12/05/2005 S Small Bank

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 December 17, 2005

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 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 December 17, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of the Federated States of Micronesia,

Kolonia, Pohnpei, Federated States of

Micronesia, to establish a limited service

non-insured branch in Honolulu, Hawaii,

pursuant to section 7(d)of the International

Banking Act, and section 211.24(a)(1) of

Regulation K.

BANK OF THE FEDERATED

STATES OF MICRONESIA

Newspaper:

Federal Register:

* 3A1 Not available

12/22/2005

Oregon Coast Bancshares, Inc., Newport,

Oregon, to become a bank holding company by

acquiring 100 percent of Oregon Coast Bank,

Newport, Oregon.

OREGON COAST

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3

Not available

Wells Fargo & Company, San Francisco, 01/14/2006

California, to acquire 100 percent of Martinius

Corporation, and thereby indirectly acquire its

wholly-owned subsidiary, State Bank of

Rogers, both of Rogers, Minnesota.

WELLS FARGO & COMPANY

* 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

1398580 NARA BK, LOS ANGELES, CALIFORNIA 08/01/2005 12/09/2005 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act