Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 12

Week Ending March 25, 2006

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

Bank Holding Companies

BB&T Corporation, Winston Salem, North Carolina -- to acquire Main Street 

Banks, Inc., Atlanta, Georgia, and its subsidiary, Main Street Bank, Covington; and 

to acquire Main Street Bank's subsidiary, MSB Payroll Solutions, LLC, Alpharetta, 

and thereby engage in permissible data processing activities.

- Approved, March 24, 2006 

National City Corporation, Cleveland, Ohio -- to acquire Forbes First Financial 

Corporation, St. Louis, Missouri, and its subsidiary, Pioneer Bank and Trust 

Company, Maplewood.

- Approved, March 23, 2006 

Regulations And Policies

Fair Credit Reporting Act -- publication for comment of interagency advance notice 

of proposed rulemaking to develop guidelines and regulations on the 

responsibilities of those who furnish information to consumer reporting agencies, as 

required by the Fair and Accurate Credit Transactions Act (Docket No. R-1250).

- Announced, March 22, 2006 

Enforcement

First North American National Bank, Kenneshaw, Georgia -- final decision and 

order of prohibition against Oyeacholem Moseri, a former employee.

- Approved, March 21, 2006 

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

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

BankAnnapolis, Annapolis, Maryland -- to establish a branch at 25 Market Place.

- Approved, March 22, 2006 

Richmond

Capital City Bank, Tallahassee, Florida -- to establish a branch at 702 South Broad 

Street, Brooksville.

- Approved, March 24, 2006 

Secretary

CommerceFirst Bank, Annapolis, Maryland -- to establish a branch at 6230 Old 

Dobbin Lane, Columbia.

- Approved, March 20, 2006 

Richmond

Commercial Bank, Harrogate, Tennessee -- to establish a branch at 533 Tennessee 

Avenue, Pineville, Kentucky.

- Approved, March 22, 2006 

Atlanta

Congressional Bank, Potomac, Maryland -- to establish a branch at 5274 Randolph 

Road, Rockville.

- Approved, March 22, 2006 

Richmond

East Penn Bank, Emmaus, Pennsylvania -- to establish a branch at 2985 Macarthur 

Road, Whitehall.

- Approved, March 21, 2006 

Philadelphia

Farmers & Merchants Bank, Timberville, Virginia -- to establish a branch at #1 East 

Luray Shopping Center, East Main Street, Luray.

- Approved, March 21, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority March 19, 2006 to March 25, 2006

Bank Branches, Domestic

Frederick County Bank, Frederick, Maryland -- to establish a branch at 200 

Commerce Drive, Walkersville.

- Approved, March 22, 2006 

Richmond

Security One Bank, Baileys Crossroads, Virginia -- to provide a courier service to 

pick up deposits from customers.

- Approved, March 24, 2006 

Richmond

Sky Bank, Salineville, Ohio -- to establish a branch at Pickerington Financial 

Center, 126 Postage Drive, Pickerington.

- Approved, March 24, 2006 

Cleveland

Sky Bank, Salineville, Ohio -- to establish a branch at Downtown Financial Center, 

180 East Broad Street, Columbus.

- Approved, March 24, 2006 

Cleveland

Sky Bank, Salineville, Ohio -- to establish a branch at Rocky River Financial 

Center, 19880 Detroit Road, Rocky River.

- Approved, March 24, 2006 

Cleveland

WestStar Bank, Vail, Colorado -- to establish a branch at 113 Lost Creek Lane, 

Suite B, Mountain Village.

- Approved, March 23, 2006 

Kansas City

Bank Holding Companies

American Founders Bancorp, Inc., Frankfort, Kentucky -- to become a bank holding 

company and to acquire American Founders Bank, Inc.; to acquire First Security 

Bancorp, Inc., Lexington, First Security Bank of Lexington, Inc., and 50 percent of 

the shares of Peoples Secure, LLC; and thereby engage in data processing activities.

- Approved, March 22, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority March 19, 2006 to March 25, 2006

Bank Holding Companies

First Fidelity Bancorp, Inc., Oklahoma City, Oklahoma -- to acquire First Fidelity 

Bank, N. A., Phoenix, Arizona, a de novo bank.

- Approved, March 22, 2006 

Kansas City

Frontier Bancshares, Inc., Austin, Texas; and Frontier BN, Inc., Henderson, 

Nevada -- to become bank holding companies and to acquire The First National 

Bank of Holland, Holland.

- Approved, March 20, 2006 

Dallas

Georgia Trust Bancshares, Inc., Buford, Georgia -- relief from a commitment.

- Withdrawn, March 23, 2006 

Atlanta

Gerber Bancshares, Inc., Argenta, Illinois -- to become a bank holding company and 

to acquire Gerber State Bank.

- Withdrawn, March 22, 2006 

Chicago

John R Turner Holding Company, Jackson, Kentucky -- to acquire Middleburg 

Bancorp, Inc., Middleburg, and its subsidiary, Farmers Deposit Bank.

- Approved, March 23, 2006 

Cleveland

KansasLand Bancshares, Inc., Quinter, Kansas -- to become a bank holding 

company and to acquire 87 percent of the shares of Flint Hills Financial Services 

Corporation, Americus, parent of Americus State Bank.

- Approved, March 22, 2006 

Kansas City

MainSource Financial, Group Inc., Greensburg, Indiana -- to acquire H F S Bank, 

F.S.B., Hobart, and thereby engage in operating a savings association.

- Approved, March 24, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority March 19, 2006 to March 25, 2006

Bank Holding Companies

Oostburg Bancorp, Inc., Oostburg, Wisconsin -- to engage in extending credit and 

servicing loans.

- Approved, March 22, 2006 

Chicago

Pinnacle Bancorp, Inc., Central City, Nebraska -- to acquire Olathe Bancorporation, 

Inc., Olathe, and Olathe State Bank.

- Approved, March 22, 2006 

Kansas City

Security Bank Corporation, Macon, Georgia -- to merge with Neighbors 

Bancshares, Inc., Alpharetta, and thereby acquire Neighbors Bank.

- Approved, March 24, 2006 

Atlanta

Texas United Bancshares, Inc., La Grange, Texas; Texas United Nevada, Inc., Las 

Vegas, Nevada; and GNB Financial, N.A., Gainesville, Texas -- waiver of 

application to acquire Northwest Bancshares, Inc., Roanoke, Texas; Northwest 

Delaware, Inc., Wilmington, Delaware; and Northwest Bank, Roanoke, Texas.

- Granted, March 23, 2006 

Dallas

Wessagussett Mutual Holding Company, Weymouth, Massachusetts, and 

Wessagussett Bancorp, Inc. -- to become a mutual bank holding company and a 

stock bank holding company, respectively, and to acquire Weymouth Bank.

- Approved, March 24, 2006 

Boston

Westbrand, Inc., Minot, North Dakota -- to acquire First Western Bank, Eden 

Prairie, Minnesota, a de novo bank; and for First Western Bank to become a 

member of the Federal Reserve System.

- Approved, March 24, 2006 

Secretary

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority March 19, 2006 to March 25, 2006

Bank Holding Companies

Wilshire Bancorp, Inc., Los Angeles, California -- waiver of application to acquire 

Liberty Bank of New York, New York, New York; and for Liberty Bank of New 

York to merge with Wilshire State Bank, Los Angeles.

- Approved, March 24, 2006 

San Francisco

Bank Mergers

First Bank, St. Louis, Missouri -- to merge with First Independent National Bank, 

Plano, Texas, and to retain the acquired facilities as branches.

- Approved, March 23, 2006 

St. Louis

Banks, Foreign

Caja de Ahorros de Galicia, Caixa Galicia, A Coruna, Spain -- to establish an 

agency in Miami, Florida.

- Approved, March 20, 2006 

Director, BS&R

Change In Bank Control

Frankson Investment Corporation, Waseca, Minnesota -- change in bank control.

- Permitted, March 20, 2006 

Minneapolis

Competitive Factors Reports

American Founders Bank, Inc., Frankfort, Kentucky -- report on competitive factors 

of the proposed merger with First Security Bank of Lexington, Inc., Lexington.

- Submitted, March 22, 2006 

St. Louis

E*Trade Bank, Arlington, Virginia -- report on competitive factors of the proposed 

assumption of certain deposit liabilities of First Republic Bank, Las Vegas, Nevada.

- Submitted, March 23, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority March 19, 2006 to March 25, 2006

Competitive Factors Reports

First State Community Bank, Farmington, Missouri -- report on competitive factors 

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

branch of Keystone Bank, St. Louis.

- Submitted, March 22, 2006 

St. Louis

MainSource Bank-Ohio, Troy, Ohio, an interim bank -- report on competitive 

factors of the proposed merger with Peoples Savings Bank of Troy.

- Submitted, March 20, 2006 

Chicago

Town Community Bank and Trust, Antioch, Illinois, an interim bank -- report on 

competitive factors of the proposed merger with Greater North Bank.

- Submitted, March 22, 2006 

Chicago

Extensions Of Time

Capital City Bank, Tallahassee, Florida -- extension to April 15, 2007, to establish a 

mobile branch to operate in Bibb, Houston, Jones, Laurens, and Monroe Counties in 

Georgia.

- Granted, March 21, 2006 

Atlanta

Citigroup Inc., New York, New York -- extension of time for Banco Nacional de 

Mexico, S.A., Mexico City, Mexico, to divest its interest in certain assets acquired 

in settlement of debts previously contracted.

- Granted, March 23, 2006 

Secretary

Frederick County Bank, Frederick, Maryland -- extension to October 6, 2006, to 

establish a branch at 6910 Crestwood Boulevard.

- Granted, March 20, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority March 19, 2006 to March 25, 2006

Extensions Of Time

The Peoples Bank and Trust Company, Selma, Alabama -- extension to March 31, 

2007, to establish a branch at 7167 Highway 22 North, Valley Grande.

- Granted, March 21, 2006 

Atlanta

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

Federal Reserve Bank of Boston

Filings received during the week ending March 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Chicopee Bancorp, Inc., Chicopee,

Massachusetts, to become a bank holding

company by acquiring 100% of the common

stock of Chicopee Savings Bank, Chicopee,

Massachusetts, which is converting from

mutual to stock form.

Chicopee Bancorp, Inc.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Investors Bank & Trust Company, Boston,

Massachusetts, to become a member of the

Federal Reserve System pursuant to section 9

of the Federal Reserve Act and section 208.3 of

Regulation H.

INVESTORS BANK & TRUST

COMPANY

Newspaper:

Federal Register:

Other Foreign Not applicable

Not available

Investors Bank & Trust Company, Boston,

Massachusetts, to establish an Edge

Corporation, Investors International

Corporation, Boston, Massachusetts, pursuant

to section 25A of the Federal Reserve Act and

section 211.5 of Regulation K.

INVESTORS BANK & TRUST

COMPANY

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

228000 FRANKLIN SVG BK, FARMINGTON, MAINE 10/31/2005 02/22/2006 S Int Sm Bank

421203 MERRILL MRCH BK, BANGOR, MAINE 09/01/2005 01/16/2006 S Int Sm Bank

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 March 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 March 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending March 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

3A1 04/17/2006

Kentucky Bancshares, Inc. to acquire Peoples

Bancorp of Sandy Hook, KY and as a result

merge Peoples Bank into Kentucky Bank.

KENTUCKY BANCSHARES,

INC.

Newspaper:

Federal Register:

* 4c8 Not available

* 18C

* Branch

* 5D3

Not available

Sky Financial Group, Inc., Bowling Green,

Ohio, to acquire Waterfield Mortgage

Company, Inc., Fort Wayne, Indiana, and

indirectly, its thrift subsidiary, Union Federal

Bank of Indianapolis, Indianapolis, Indiana

SKY FINANCIAL GROUP, 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 March 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Virginia, Midlothian, Virginia, 04/07/2006

proposes to establish a branch at 4023 West

Hundred Road, Chester, Virginia.

BANK OF VIRGINIA

Newspaper:

Federal Register:

* 3A3 04/24/2006

04/17/2006

Centra Financial Holdings, Inc., Morgantown,

West Virginia, to acquire up to 100% of the

voting securities of Smithfield State Bank of

Smithfield, Pennsylvania, Smithfield,

Pennsylvania.

CENTRA FINANCIAL

HOLDINGS, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Monarch Financial Holdings, Inc.,

Chesapeake, Virginia, to become a bank

holding company by acquiring 100% of

Monarch Bank, Chesapeake, Virginia.

MONARCH FINANCIAL

HOLDINGS, INC

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Community Bank, Louisa, Virginia, 04/09/2006

to establish a branch to be located at U.S.

Routes 15 and 250, Zion Crossroads, Virginia.

VIRGINIA COMMUNITY

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

223322 FIRST B&TC, LEBANON, VIRGINIA 10/17/2005 02/01/2006 S Int Sm Bank

920975 FIRST SENTINEL BK, RICHLANDS, VIRGINIA 10/31/2005 02/01/2006 S Small Bank

985620 PLANTERS B&TC OF VA, STAUNTON, VIRGINIA 08/29/2005 01/24/2006 S Large Bank

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 March 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/05/2006

04/04/2006

First National Bancshares of Central Alabama,

Inc., Aliceville, Alabama, change in control

notification filed by the Milner Limited

Partnership, Aliceville, Alabama, Susan

McKinzey Milner, general partner, to acquire

11.61 percent of the outstanding shares of First

National Bancshares of Central Alabama, Inc.,

and its subsidiary, First National Bank of

Central Alabama, both of Aliceville, Alabama.

FIRST NATIONAL

BANCSHARES OF CENTRAL

ALABAMA, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Orion Bank, Naples, Florida, to establish a 04/04/2006

branch located at 777 South Flagler Drive,

West Palm Beach, Florida.

ORION BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Park Avenue Bank, Valdosta, Georgia, to 04/05/2006

establish a branch located at 1081 Parkway

Place, Watkinsville, Georgia.

PARK AVENUE BANK, THE

Newspaper:

Federal Register:

* 3A5 04/22/2006

04/17/2006

South Georgia Bank Holding Company,

Omega, Georgia, to merge with Community

National Bancorporation, and thereby acquire

its subsidiary, Community National Bank, both

of Ashburn, Georgia.

SOUTH GEORGIA BANK

HOLDING COMPANY

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:

* 3A1

Not available

Southwest Capital Holdings, Inc., Fort Myers, 04/21/2006

Florida, to become a bank holding company by

acquiring 100 percent of the outstanding shares

of Southwest Capital Bank, National

Association, Fort Myers, Florida (in

organization).

SOUTHWEST CAPITAL

HOLDINGS, INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 March 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

04/11/2006

Black Earth Bancshares, Inc., Black Earth,

Wisconsin, to continue to engage in lending

activities.

BLACK EARTH

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 04/13/2006

Capitol Bancorp, Ltd., Lansing, Michigan, to

acquire 51 percent of the voting shares of

Evansville Commerce Bank (in organization),

Evansville, Indiana, and by Capitol

Development Bancorp Limited IV, Lansing,

Michigan, to become a bank holding company

by acquiring 51 percent of the voting shares of

Evansville Commerce Bank (in organization),

Evansville, Indiana.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 04/14/2006

Capitol Bancorp, Ltd., Lansing, Michigan, to

acquire 51 percent of the voting shares of

Sunrise Bank of Atlanta (in organization),

Atlanta, Georgia, and by Capitol Development

Bancorp Limited IV, Lansing, Michigan, to

become a bank holding company by acquiring

51 percent of the voting shares of Sunrise Bank

of Atlanta (in organization), Atlanta, Georgia.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 03/21/2006

a branch facility to be located at 801 N. San

Fernando Blvd., Burbank, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 1037 State

Road 7, Suite 117, Wellington, Florida.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Eastern Michigan Bank, Croswell, Michigan, 03/27/2006

to establish a branch facility to be located at

2970 Gratiot, Marysville, Michigan.

EASTERN MICHIGAN BANK

Newspaper:

Federal Register:

* 3A1 02/13/2006

02/10/2006

Exchange Financial, Inc., Adair, Iowa, to

become a bank holding company by acquiring

100 percent of Exchange State Bank, Adair,

Iowa.

EXCHANGE FINANCIAL, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Johnson Bank, Racine, Wisconsin, to merge

with Johnson Bank Arizona, National

Association, Phoenix, Arizona, and thereby to

establish 8 branches.

JOHNSON BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Linn County State Bank, Coggon, Iowa, to 03/31/2006

establish a branch facility to be located at 1295

Blairs Ferry Road, Marion, Iowa.

LINN COUNTY STATE BANK

Newspaper:

Federal Register:

* 3A5

* 18C

* Branch

03/31/2006

04/03/2006

Midwest Banc Holdings, Inc., Melrose Park,

Illinois, to acquire 100 percent of the voting

shares of Royal American Corporation,

Inverness, Illinois, and thereby indirectly

acquire Royal American Bank, Inverness,

Illinois, and by Midwest Bank and Trust

Company, Elmwood Park, Illinois, to merge

with Royal American Bank, Inverness, Illinois,

and thereby to establish 7 branches.

MIDWEST BANC HOLDINGS,

INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending March 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

Prairieland Bancorp Employee Stock 04/21/2006

Ownership Plan and Trust, Bushnell, Illinois,

to increase its ownership from 44.80 percent to

49.67 percent of Prairieland Bancorp, Inc.,

Bushnell, Illinois, and thereby indirectly

increase its ownership of Farmers and

Merchants State Bank of Bushnell, Bushnell,

Illinois.

PRAIRIELAND BANCORP

EMPLOYEE STOCK

OWNERSHIP PLAN AND

TRUST

* 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

709143 MIDWEST BK WESTERN IL, MONMOUTH, ILLINOIS 11/28/2005 03/15/2006 S Large Bank

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 March 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/07/2006

Notice by the Stumpf Family Control Group,

Columbia, Illinois, to increase control of

Columbia Bancshares, Inc., Columbia, Illinois.

The control group consists of Kenneth W.

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

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

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

Illinois.

COLUMBIA BANCSHARES,

INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First State Bank, Conway, Arkansas, to

become a member of the Federal Reserve

System.

FIRST STATE BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Truman Bank, St. Louis, Missouri, to purchase

certain assets and assume certain liabilities of

Columbian Bank & Trust Company, Topeka,

Kansas.

TRUMAN BANK

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

Federal Reserve Bank of St.Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

192147 CITIZENS B&TC, VAN BUREN, ARKANSAS 11/28/2005 03/08/2006 S Int Sm Bank

909055 PEOPLES B&TC, TROY, MISSOURI 11/28/2005 03/09/2006 S Int Sm Bank

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 March 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/23/2006

Cornerstone Holding Company, Inc., Fargo,

North Dakota, to acquire 100 percent of

Citizens, Incorporated, Enderlin, North Dakota

and thereby indirectly acquire Citizens State

Bank, Enderlin, North Dakota.

CORNERSTONE HOLDING

COMPANY, INC.

Newspaper:

Federal Register:

* 3A3 Not available

04/17/2006

Forstrom Bancorporation, Inc., Clara City,

Minnesota, to acquire 100 percent of the

outstanding shares of Yellow Medicine

Bancshares, Inc., Granite Falls, Minnesota,

and thereby indirectly acquire Yellow

Medicine County Bank, Granite Falls,

Minnesota.

FORSTROM

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/21/2006

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

to become a bank holding company by

acquiring 100 percent of Farmers State Bank of

Turton, South Dakota.

FSB BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/23/2006

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

become a bank holding company by acquiring

100 percent of The EastBank Corporation,

Minneapolis, Minnesota, and thereby indirectly

acquire 100 percent of EastBank, Minneapolis,

Minnesota.

JAG FINANCIAL, INC.

Newspaper:

Federal Register:

* 3A3 04/05/2006

04/06/2006

Lake Bank Shares, Inc., Employee Stock

Ownership Plan, Emmons, Minnesota,

proposes to increase its ownership of Lake

Bank Shares, Inc., Emmons, Minnesota, from

35.68 percent to 65.67 percent.

LAKE BANK SHARES, INC.

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

4c8 Not applicable

04/10/2006

Retroactive Notice by Vision Bancshares, Inc.,

Saint Louis Park, Minnesota, to engage de

novo in extending credit and servicing loans.

VISION BANCSHARES, 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

287650 FARMERS ST BK, FAITH, SOUTH DAKOTA 12/05/2005 03/21/2006 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 March 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/21/2006

CitizensAda Financial Corporation, to become

a bank holding company through the

acquisition of 100 percent of the voting shares

of Citizens Bank of Ada, both in Ada,

Oklahoma.

CITIZENSADA FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Community Bank, Emporia, Kansas, to

purchase certain assets and assume certain

liabilities of the Emporia, Kansas branch of

The State Bank of Kansas, Fredonia, Kansas,

and incident thereto, to establish a branch.

FIRST COMMUNITY BANK

Newspaper:

Federal Register:

* 3A3 Not available

04/20/2006

NebraskaLand Financial Services, Inc., North

Platte, Nebraska, to acquire 92.5 percent of the

voting shares of Commerce Bank of Wyoming,

N.A., Rock Springs, Wyoming (in

organization).

NEBRASKALAND FINANCIAL

SERVICES, INC.

Newspaper:

Federal Register:

CIC Not available

04/13/2006

Notice by Amos Kendall Bass, III, Wilburton,

Oklahoma, to acquire control of Wilburton

State Bancshares, Inc., parent of Wilburton

State Bank, both in Wilburton, Oklahoma.

WILBURTON STATE

BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 March 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 04/21/2006

04/17/2006

FC Holdings, Inc., Houston, Texas, to acquire

through merger Texas National Bancshares,

Inc., Tomball, Texas, and therefore indirectly

acquire Tomball Delaware Corporation,

Wilmington, Delaware, and its banking

subsidiary, Texas National Bank, Tomball,

Texas.

FC HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/17/2006

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

Monterrey, Nuevo Leon, Mexico; Banco

Mercantil del Norte, S.A. Institucion de Banca

Mulitiple, Grupo Financiero Banorte,

Monterrey, Nuvevo Leon, Mexico; and Banorte

USA Corporation, Wilmington, Delaware, to

become bank holding companies by acquiring

70 percent of INB Financial Corporation,

McAllen, Texas, and indirectly, INB Delaware

Corporation, Wilmington, Delaware, and Inter

National Bank, McAllen, Texas.

GRUPO FINANCIERO

BANORTE, S.A. DE C.V.

Newspaper:

Federal Register:

* Branch

Not applicable

LegacyTexas Bank, Plano, Texas, to establish 03/27/2006

two branch offices at the following locations:

17617 Dallas Parkway, Dallas, Texas 75287,

and 707 E. Arapaho, Richardson, Texas

75081.

LEGACYTEXAS 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 March 25, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/06/2006

Notice by the Sun Group, consisting of John

Chung-Yuan Sun, Judy Chen-Mei Sun,

Rancho Palos Verdes, California, and Jaclyn

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

retain 11.4 percent ownership of American

Premier Bancorp, Arcadia, California, and

thereby indirectly retain ownership in

American Premier Bank, Arcadia, California.

AMERICAN PREMIER

BANCORP

Newspaper:

Federal Register:

CIC Not available

03/27/2006

Notice by David F. Bolger to acquire up to 25

percent of Cascade Bancorp, and thereby

indirectly acquire Bank of the Cascades, both

of Bend, Oregon.

CASCADE BANCORP

Newspaper:

Federal Register:

Foreign Branch Not applicable

Not applicable

East West Bank, Pasadena, California, to

establish a branch office in Hong Kong, China,

pursuant to section 211.3(b)(2) of Regulation

K.

EAST WEST BANK

Newspaper:

Federal Register:

CIC 04/07/2006

02/06/2006

Notice by Woosung (Edward) Park to retain his

ownership in Pacific International Bancorp,

Inc., and thereby indirectly retain his

ownership in Pacific International Bank, both

of Seattle, Washington.

PACIFIC INTERNATIONAL

BANCORP, INC.

Newspaper:

Federal Register:

FBSEA

Not applicable

Taiwan Cooperative Bank, Taipei, Taiwan, to 03/10/2006

retain the Seattle, Washington, and Los

Angeles, California, branch offices of Farmers

Bank of China, as a result of the merger of

Farmers Bank of China, with and into Taiwan

Cooperative Bank.

TAIWAN COOPERATIVE

BANK

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

876465 SPECTRUM BK, MONTEBELLO, CALIFORNIA 11/28/2005 03/16/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act