Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 11

Week Ending March 18, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions March 12, 2006 to March 18, 2006

Bank Holding Companies

Societe Generale, Paris, France -- to engage in physical commodity trading 

activities on a limited basis in the United States.

- Approved, March 14, 2006 

Regulations And Policies

Regulation K (International Banking Operations) -- final amendments to require 

compliance programs under the Bank Secrecy Act (Docket No. R-1147).

- Approved, March 13, 2006 

Reserve Bank Services

Federal Reserve Currency Recirculation Policy -- revisions to reduce the overuse of 

Reserve Bank cash-processing services by providing incentives for depository 

institutions to recirculate currency among their customers.

- Approved, March 15, 2006 

Enforcement

Doral Financial Corporation, San Juan, Puerto Rico -- issuance of a consent cease 

and desist order.

- Announced, March 17, 2006 

First BanCorp, Santurce, Puerto Rico -- issuance of a consent cease and desist order.

- Announced, March 17, 2006 

R&G Financial Corporation, Hato Rey, San Juan, Puerto Rico -- issuance of a 

consent cease and desist order.

- Announced, March 17, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
March 12, 2006 to March 18, 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

American Heritage Bank, Sapulpa, Oklahoma -- to establish a branch at the 

northwest corner of 71st Street South and South Union Avenue, Tulsa.

- Approved, March 17, 2006 

Kansas City

AmSouth Bank, Birmingham, Alabama -- to establish a branch at 920 Cedar Lake 

Road, Suite K, Biloxi, Mississippi.

- Approved, March 16, 2006 

Atlanta

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at the intersection of 

North Gretna Road and Highway 248B, Branson, Missouri.

- Approved, March 15, 2006 

St. Louis

Comerica Bank, Detroit, Michigan -- to establish a branch at 7306 East Shea 

Boulevard, Scottsdale, Arizona.

- Approved, March 17, 2006 

Secretary

Comerica Bank, Detroit, Michigan -- to establish a branch at 6540 Irvine Center 

Drive, Irvine, California.

- Approved, March 17, 2006 

Secretary

Cumberland Bank, Franklin, Tennessee -- to establish a branch at 175 East Main 

Street, Hendersonville.

- Approved, March 16, 2006 

Atlanta

New Peoples Bank, Inc., Honaker, Virginia -- to establish a branch at 11421 Indian 

Creek Road, Pound.

- Approved, March 16, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority March 12, 2006 to March 18, 2006

Bank Branches, Domestic

New Peoples Bank, Inc., Honaker, Virginia -- to establish a branch at 5548 NortonWise Road, Esserville.

- Approved, March 16, 2006 

Richmond

River City Bank, Mechanicsville, Virginia -- to establish a branch at 109 East Nine 

Mile Road, Highland Springs.

- Approved, March 14, 2006 

Richmond

SunTrust Bank, Atlanta, Georgia -- to establish branches at 1440 Ben Sawyer 

Boulevard, Mt. Pleasant, South Carolina; 3125 Bees Ferry Road, Charleston; 162 

Seven Farms Drive; and 975 Bacons Bridge Road, Summerville.

- Approved, March 10, 2006 (AC)

Secretary

Bank Holding Companies

American National Bankshares Inc., Danville, Virginia -- to acquire Community 

First Financial Corporation, Lynchburg, and thereby acquire Community First Bank.

- Approved, March 16, 2006 

Richmond

The Bank Holdings, Reno, Nevada -- to acquire at least 75 percent of the shares of 

Granite Exchange, Inc. and thereby engage in real estate settlement services, trust 

company activities, and financial and investment advisory activities.

- Approved, March 14, 2006 

San Francisco

Fishback Financial Corporation, Brookings, South Dakota -- to acquire FMB 

Bankshares, Inc., Sioux Falls, and thereby acquire First American Bank & Trust, 

N.A.

- Approved, March 15, 2006 

Minneapolis

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority March 12, 2006 to March 18, 2006

Bank Holding Companies

Home State Bancorp, Loveland, Colorado -- to retain Loveland Securities, Inc. and 

its subsidiary, Home State Bank.

- Approved, March 16, 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.

- Withdrawn, March 13, 2006 

Chicago

MainSource Financial Group, Inc., Greensburg, Indiana -- to merge with Peoples 

Ohio Financial Corporation, Troy, Ohio, and thereby acquire Peoples Savings Bank 

of Troy and engage in operating a savings association.

- Approved, March 16, 2006 

Chicago

Merrimack Bancorp MHC, Concord, New Hampshire -- to become a bank holding 

company and to acquire Merrimack County Savings Bank.

- Approved, March 16, 2006 

Boston

North Fork Bancorporation, Inc., Melville, New York -- to convert its subsidiary, 

Superior Savings Bank of New England, N.A., Branford, Connecticut, to a federal 

savings association.

- Withdrawn, March 14, 2006 

New York

Orrstown Financial Services, Inc., Shippensburg, Pennsylvania -- to acquire First 

National Bank of Newport, Newport.

- Approved, March 17, 2006 

Philadelphia

RCB Holding Company, Inc., Claremore, Oklahoma -- to acquire Pioneer 

Bancshares, Inc., Ponca City, and its subsidiaries, Pioneer Bank and Trust, and 

Bank of Nichols Hills, Oklahoma City.

- Approved, March 16, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority March 12, 2006 to March 18, 2006

Bank Holding Companies

Seacoast Banking Corporation of Florida, Stuart, Florida -- to merge with Big Lake 

Financial Corporation, Okeechobee, and acquire Big Lake National Bank.

- Approved, March 15, 2006 

Secretary

Texas Independent Bancshares, Inc., Texas City, Texas, and T.I.B. Delaware, Inc., 

Wilmington, Delaware -- to acquire Southeast Bancorp of Texas, Inc., Winnie, and 

its subsidiaries, SEBOT, Inc., Wilmington, and Gulf Coast Bank, Winnie.

- Approved, March 17, 2006 

Secretary

Union Bankshares Corporation, Bowling Green, Virginia -- to acquire Prosperity 

Bank & Trust Company, Springfield.

- Approved, March 16, 2006 

Richmond

Western Alliance Bancorporation, Las Vegas, Nevada -- waiver of application 

requirement to acquire Bank of Nevada.

- Granted, March 13, 2006 

San Francisco

Bank Mergers

Waccamaw Bank, Whiteville, North Carolina -- to merge with The Bank of Heath 

Springs, Heath Springs, South Carolina.

- Approved, March 14, 2006 

Richmond

Change In Bank Control

BJC Holdings, Inc., Graceville, Florida -- to retain control of BJC Holdings, Inc.

- Permitted, March 13, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority March 12, 2006 to March 18, 2006

Competitive Factors Reports

The Bank of East Asia (U.S.A.), National Association, New York, New York -- 

report on competitive factors of the proposed merger with National American Bank, 

San Francisco, California.

- Submitted, March 14, 2006 

New York

Bank of the Cascades, Bend, Oregon -- report on competitive factors of the 

proposed merger with Farmers & Merchants State Bank, Boise, Idaho.

- Submitted, March 14, 2006 

Secretary

Extraco Banks, National Association, Temple, Texas -- report on competitive 

factors of the proposed merger with Extraco Investment Services Corporation, 

Waco; EXC Mortgage, Inc.; Extraco Institutional Services Corporation; and 

Extraco Insurance Services Corporation, Lorena.

- Submitted, March 16, 2006 

Dallas

First Bank, Troy, North Carolina -- report on competitive factors of the proposed 

purchase of certain assets and assumption of liabilities of the Dublin, Virginia, 

branch of First-Citizens Bank & Trust Company, Raleigh, North Carolina.

- Submitted, March 16, 2006 

Richmond

First Gaston Bank of North Carolina, Gastonia, North Carolina -- report on 

competitive factors of the proposed merger with Integrity Services, Inc., Hickory.

- Submitted, March 14, 2006 

Richmond

Liberty Savings Bank, F.S.B., Liberty, Missouri -- reports on competitive factors of 

the proposed mergers with Liberty Savings Mutual Holding Company and Liberty 

Interim Federal Savings and Loan Association II.

- Submitted, March 14, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority March 12, 2006 to March 18, 2006

Extensions Of Time

Belmont Financial Group, Inc., Chicago, Illinois -- extension to June 15, 2006, to 

become a bank holding company and to acquire Belmont Bank & Trust Company, a 

de novo bank.

- Granted, March 13, 2006 

Chicago

Waccamaw Bank, Whiteville, North Carolina -- extension to December 17, 2006, to 

establish a branch at 4945 Southport-Supply Road Southeast, Southport.

- Granted, March 14, 2006 

Richmond

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

Federal Reserve Bank of Boston

Filings received during the week ending March 18, 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.

* 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 March 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

Not available

North Fork Bancorporation, Inc., Melville,

New York to convert its national banking

subsidiary, Superior Savings Bank of New

England, N.A., Branford, Connecticut to a

federal savings association, pursuant to Section

4(c)(8) of the BHC Act and Section 225.24 of

Regulation Y.

NORTH FORK

BANCORPORATION, INC.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

176101 ORANGE CTY TC, MIDDLETOWN, NEW YORK 09/06/2005 03/08/2006 S Int Sm Bank

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 18, 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 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

3A1 Not available

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:

* Branch

Not applicable

Sky Bank, Salineville, OH to establish a 03/18/2006

branch at Downtown Financial Center, 180

East Broad Street, Columbus, OH.

SKY BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Sky Bank, Salineville, OH to establish a 03/18/2006

branch at Rocky River Financial Center, 19880

Detroit Road, Rocky River, OH.

SKY BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Sky Bank, Salineville, OH to establish a 03/18/2006

branch at Pickerington Financial Center, 126

Postage Drive, Pickerington, OH.

SKY BANK

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 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of McKenney, McKenney, Virginia, 03/27/2006

proposes to establish a branch at 4112 A.

Commerce Road, Prince George, Virginia.

BANK OF MCKENNEY

Newspaper:

Federal Register:

* 3A3 Not available

Not available

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:

* 18C

* Branch Not applicable

Southside Bank, Tappahannock, Virginia, to 04/05/2006

merge with Bank of Northumberland,

Incorporated, Heathsville, Virginia.

SOUTHSIDE BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Southside Bank, Tappahannock, Virginia, to 04/05/2006

merge with Hanover Bank, Mechanicsville,

Virginia.

SOUTHSIDE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SuffolkFirst Bank, Suffolk, Virginia, requests 03/20/2006

permission to provide a courier service to pick

up deposits from customers.

SUFFOLKFIRST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Susquehanna Bank, Hagerstown, Maryland, 03/31/2006

proposes to esatblish a branch at 801 Norland

Avenue, Chambersburg, Pennsylvania.

SUSQUEHANNA 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

105071 PATAPSCO BK, DUNDALK, MARYLAND 11/14/2005 02/09/2006 S Small 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 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

BankEast, Knoxville, Tennessee, to establish a 03/27/2006

branch located at 901 Parkway, Sevierville,

Tennessee.

BANKEAST

Newspaper:

Federal Register:

* Branch

Not applicable

Capital City Bank, Tallahassee, Florida, to 03/21/2006

establish a branch located at 702 South Broad

Street, Brooksville, Florida.

CAPITAL CITY BANK

Newspaper:

Federal Register:

CIC 04/10/2006

03/31/2006

First National Bancshares of Central Alabama,

Inc., Aliceville, Alabama, after-the-fact change

in control notification by W.C. Martin, Jr.,

Jean Wood Martin, Donald Wayne Sanders,

Mary Martin Noland, Donald Martin Sanders ,

Rebecca Martin Sanders, William Matthew

Sanders, all of Aliceville, Alabama; Alice

Susan Martin, Chattanooga, Tennessee, Milton

Barrett Noland, Carrollton, Alabama; and

Karrie Noland Beasley, Tuscaloosa, Alabama,

to retain 18.45 percent of the outstanding

shares of First National Bancshares of Central

Alabama, Inc., Aliceville, Alabama.

FIRST NATIONAL

BANCSHARES OF CENTRAL

ALABAMA, INC.

Newspaper:

Federal Register:

CIC Not available

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

Regions Bank, Birmingham, Alabama, to 03/18/2006

establish a branch located at 2565 Woodruff

Road, Simpsonville, South Carolina.

REGIONS BANK

Newspaper:

Federal Register:

* 3A5

Not available

South Georgia Bank Holding Company, 04/22/2006

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

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

Federal Reserve Bank of Atlanta

Filings received during the week ending March 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/27/2006

Southeastern Bank Financial Corporation,

Augusta, Georgia, after-the-fact change in

control notification filed by the Pollard Family

Group (Jennie Floyd Pollard, Robert W.

Pollard, Jr., Patricia D. Pollard, Zachary

Duncan Pollard, Ann Elizabeth Pollard,

Richard Daniel Blanton, Patricia Pollard

Blanton, Thomas Vinson Blanton, II, Jennie

Briggs Blanton, Clayton Edward Blanton, Lee

Blanton West, Levi Anderson Pollard, V, Levi

Anderson Pollard, VI, Lucy Ann Pollard,

Pollard Land Company, all of Appling,

Georgia, and Robert William Pollard, III,

Evans, Georgia, Richard Daniel Blanton, Jr.,

Carrollton, Georgia, Lynn Pollard Nickerson

and Paul Rush Battle, both of Atlanta, Georgia,

and RWP, Sr. Enterprises, LLLP, Appling,

Georgia, Robert W. Pollard, Jr., Patricia

Pollard Blanton, Levi Anderson Pollard, V,

and Lynn Pollard Nickerson, general partners),

to retain 47.9 percent of Southeastern Bank

Financial Corporation, and its subsidiary bank,

Georgia Bank & Trust, both of Augusta,

Georgia.

SOUTHEASTERN BANK

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 03/29/2006

a branch located at 2691 Placida Road, Grove

City, Florida, to be known as the Grove City

Office.

SUNTRUST BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Trustmark National Bank, Jackson,

Mississippi, to establish a branch in George

Town, Grand Cayman, Cayman Islands.

TRUSTMARK NATIONAL

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 March 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

04/13/2006

Capitol Bancorp, Ltd., Lansing, Michigan, to

acquire through its subsidiary, Capitol

Development Bancorp Limited IV, Lansing,

Michigan, 51 percent of the voting shares of

Evansville Commerce Bank (in organization),

Evansville, Indiana.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

04/14/2006

Capitol Bancorp, Ltd., Lansing, Michigan, to

acquire through its subsidiary, Capitol

Development Bancorp Limited IV, Lansing,

Michigan, 51 percent of the voting shares of

Sunrise Bank of Atlanta (in organization),

Atlanta, Georgia.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

4c8 Not applicable

04/06/2006

Capitol Bancorp, Ltd., Lansing, Michigan,

proposes to engage de novo in financial and

investment advisory activities, and securities

brokerage services, through its wholly-owned

subsidiary, Capitol Wealth, Inc., Lansing,

Michigan.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

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:

* 3A1 Not available

Not available

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:

* 4c8 03/05/2006

03/06/2006

Mainsource Financial Group, Inc., Greensburg,

Indiana, to acquire 100 percent of the voting

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

and thereby operate a savings association.

MAINSOURCE FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

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

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

2813491 PEOPLES' BK ARLINGTON HEIGHTS, ARLINGTON HEIGHTS, ILLINOIS 11/28/2005 03/09/2006 S Small 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 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

03/22/2006

03/23/2006

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

subsidiary bank holding company, The San

Francisco Company, San Francisco, California,

to acquire 100 percent of Pittsfield Community

Bancorp, Inc., Pittsfield, Illinois, and thereby

indirectly acquire Community Bank of

Pittsfield, Pittsfield, Illinois. Also, First Bank,

St. Louis, Missouri, to merge with Community

Bank of Pittsfield, Pittsfield, Illinois, and to

retain the acquired facilities as branch offices.

FIRST BANKS, INC.

Newspaper:

Federal Register:

* 18C

Not applicable

Patriot Bank, Millington, Tennessee, to 04/15/2006

purchase the assets and assume the liabilities

of the Barretville, Tennessee, branch of

Trustmark National Bank, Jackson,

Mississippi.

PATRIOT BANK

Newspaper:

Federal Register:

* 18C Not available

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

453446 HEBER SPRINGS ST BK, HEBER SPRINGS, ARKANSAS 12/12/2005 03/13/2005 S Small 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 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

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:

* 3A1 03/13/2006

03/03/2006

Salish and Kootenai Bancorporation, Polson,

Montana, to become a bank holding company

by acquiring 100 percent of the capital stock of

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

SALISH AND KOOTENAI

BANCORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

Not available

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

2352507 BANKFIRST, SIOUX FALLS, SOUTH DAKOTA 09/06/2005 02/22/2006 S Whole/Ltd Purp

837653 HEARTLAND ST BK, EDGELEY, NORTH DAKOTA 11/30/2005 03/10/2006 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 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 03/30/2006

04/03/2006

DS Holding Company, Inc., to become a bank

holding company through the acquisition of

100 percent of the voting shares of DB Holding

Company, Inc., parent of Omaha State Bank,

all located in Omaha, Nebraska. DS Holding

Company, Inc., Omaha, Nebraska, elects to

become a financial holding company.

DS HOLDING COMPANY, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Guaranty Bank and Trust Company, Denver, 03/29/2006

Colorado, to establish a branch at 290 Nickel

Street, Suite 300, Broomfield, Colorado.

GUARANTY BANK AND

TRUST COMPANY

Newspaper:

Federal Register:

CIC 03/28/2006

03/09/2006

Notification by Trenton W. Brown, Ponca City,

Oklahoma; Lisa D. Kessler, Scottsdale,

Arizona; Mark R. Brown, Scottsdale, Arizona;

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

Brown, Arkansas City, Kansas; Roger A.

Brown, Arkansas City, Kansas; Suzanne W.

Brown, Arkansas City, Kansas; Charlotte B.

Delaney, Winnetka, Illinois; and Rebecca R.

Warren, Ponca City, Oklahoma, to acquire

control of HNB Corporation, Arkansas City,

Kansas, parent of Home National Bank,

Blackwell, Oklahoma.

HNB CORPORATION

* 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

419255 FIRST B&TC, BROKEN BOW, OKLAHOMA 12/05/2005 03/09/2006 S Small Bank

516855 SECURITY BK, PAWNEE, OKLAHOMA 12/05/2005 03/09/2006 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 March 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

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

Not available

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.

* 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 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/16/2006

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:

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:

* 3A3 03/25/2006

04/03/2006

ICB Financial, Ontario, California, to acquire

100 percent of Western State Bank, Duarte,

California.

ICB FINANCIAL

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Placer Sierra Bank, Auburn, California, to 04/10/2006

merge with Southwest Community Bank,

Encinitas, California, and thereby acquire nine

branch offices.

PLACER SIERRA BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Taiwan Cooperative Bank, Taipei, Taiwan, to

retain the Seattle, Washington, and Los

Angeles, California, branch offices of Farmers

Bank of China, as a result of the merger of

Farmers Bank of China, with and into Taiwan

Cooperative Bank.

TAIWAN COOPERATIVE

BANK

Newspaper:

Federal Register:

* 3A1 04/05/2006

04/07/2006

Towne Bancorp, Inc., to become a bank

holding company by acquiring 100 percent of

Towne Bank of Arizona, both of Mesa,

Arizona.

TOWNE BANCORP, INC.

* 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