Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 26

Week Ending July 1, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions June 25, 2006 to July 1, 2006

Discount Rates

Discount and Advance Rates -- increase in the primary credit rate from 6 percent to 

6-1/4 percent by the Federal Reserve Banks of Boston, New York, Philadelphia, 

Cleveland, Richmond, Atlanta, Chicago, St. Louis, Minneapolis, Dallas, and San 

Francisco.

- Approved, June 29, 2006 

Forms

Forms -- final Board review to extend with revision the interagency Suspicious 

Activity Report (FR 2230).

- Approved, June 27, 2006 

Enforcement

Citigroup Inc., New York, New York, and CitiFinancial Credit Company, 

Baltimore, Maryland -- cease and desist order dated May 27, 2004, terminated June 

22, 2006.

- Announced, June 26, 2006 

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

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Bank Independent, Sheffield, Alabama -- to establish a branch at the corner of 

Highway 72 and Lindsay Lane, Athens.

- Approved, June 29, 2006 

Atlanta

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 5075 West 

Washington Street, Indianapolis, Indiana.

- Approved, June 30, 2006 

Cleveland

First Bank, St. Louis, Missouri -- to relocate a branch from 1001 Grant Avenue to 

1143 Grant Avenue, San Francisco, California.

- Approved, June 28, 2006 

St. Louis

First Community Bank, Taos, New Mexico -- to establish a branch at 2710 East 

Camelback Road, Phoenix, Arizona.

- Approved, June 30, 2006 

Secretary

The Northern Trust Company, Chicago, Illinois -- to establish a branch at 401 South 

Main Street, Naperville.

- Approved, June 30, 2006 

Secretary

Waccamaw Bank, Whiteville, North Carolina -- to establish a branch at 701 North 

Howe Street, Southport.

- Approved, June 30, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority June 25, 2006 to July 1, 2006

Bank Holding Companies

Braintree Bancorp MHC, Braintree, Massachusetts -- to become a bank holding 

company and to acquire The Braintree Co-operative Bank.

- Approved, June 26, 2006 

Boston

Citigroup Inc., New York, New York -- modification of certain commitments.

- Granted, June 27, 2006 

Director, BS&R

Commerce Bancshares, Inc., Kansas City, Missouri, and CBI-Kansas -- waiver of 

application to merge with West Pointe Bancorp, Inc., Belleville, Illinois; and 

simultaneously to merge West Pointe Bank and Trust Company with Commerce 

Bank, N.A., Kansas City, Missouri.

- Granted, June 28, 2006 

Kansas City

Emprise Financial Corporation, Wichita, Kansas -- to acquire Prairie Capital, Inc., 

Augusta, parent of Prairie State Bank.

- Approved, June 29, 2006 

Kansas City

Lloyds TSB Group Plc, London, England, and Lloyds TSB Bank Plc -- to engage 

de novo through Hill Samuel Inc., New York, New York, a subsidiary of Lloyds 

TSB Bank, in personal-property leasing activities and related lending activities.

- Approved, June 29, 2006 

New York

Mid-America Bancshares, Inc., Nashville, Tennessee -- to become a bank holding 

company and to acquire Bank of the South, Mt. Juliet, and PrimeTrust Bank, 

Nashville.

- Approved, June 26, 2006 

Atlanta

Midwest Community Financial Corporation, Midwest City, Oklahoma -- to engage 

in mortgage loan origination activities through the acquisition of American 

Resource Mortgage, Inc.

- Approved, June 29, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority June 25, 2006 to July 1, 2006

Bank Holding Companies

New York Private Bank & Trust Corporation, New York, New York, and Emigrant 

Bancorp, Inc. -- to acquire New York Private Bank & Trust , FSB, Wilmington, 

Delaware, a de novo federal savings bank, and thereby operate a savings association.

- Approved, June 29, 2006 

New York

Orient Bancorporation, San Francisco, California -- to acquire Orient First Capital 

Corporation, Bellevue, Washington, and Orient First Capital Limited, Hong Kong 

S.A.R., Peoples Republic of China.

- Approved, June 26, 2006 

Director, BS&R

RockBridge Financial Holdings, Inc., Atlanta, Georgia -- to become a bank holding 

company and to acquire RockBridge Commercial Bank, a de novo bank.

- Approved, June 27, 2006 

Atlanta

Royal Bancshares of Pennsylvania, Inc., Narberth, Pennsylvania -- to acquire Royal 

Asian Bank, a proposed de novo bank to be formed through the acquisition of assets 

and assumption of liabilities of certain offices of Royal Bank America.

- Approved, June 29, 2006 

Philadelphia

Sir Barton Bancorp, Inc., Lexington, Kentucky -- to become a bank holding 

company and to acquire First National Bank of Lexington.

- Approved, June 26, 2006 

Cleveland

Vineyard National Bancorp, Corona, California -- waiver of application to acquire 

Rancho Bank, San Dimas, and to merge it with Vineyard Bank, National 

Association, Corona.

- Granted, June 30, 2006 

San Francisco

Wauwatosa Holdings, Inc., Wauwatosa, Wisconsin, and Lamplighter Financial, 

MHC -- to continue to engage in extending credit and servicing loans.

- Approved, June 27, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority June 25, 2006 to July 1, 2006

Change In Bank Control

Community Bank Group, Inc., Eden Prairie, Minnesota -- change in bank control.

- Permitted, June 27, 2006 

Minneapolis

Community First Financial Bancorp, Inc., New Holland, Ohio -- change in bank 

control.

- Permitted, June 29, 2006 

Cleveland

Southern National Corporation, Andalusia, Alabama -- notices to retain control of 

Southern National Corporation.

- Permitted, June 26, 2006 

Atlanta

Competitive Factors Reports

Community Bank, National Association, Canton, New York -- report on 

competitive factors of the proposed merger with Elmira Savings and Loan, F.A., 

Elmira.

- Submitted, June 29, 2006 

New York

Community State Bank, Galva, Illinois -- report on competitive factors of the 

proposed acquisition of the Galva branch of Citizens National Bank, Macomb.

- Submitted, June 30, 2006 

Chicago

First Republic Bank, Las Vegas, Nevada -- report on competitive factors of the 

proposed merger with Bank of Walnut Creek, Walnut Creek, California.

- Submitted, June 28, 2006 

San Francisco

First Western Bank, Wall, South Dakota -- report on competitive factors of the 

proposed merger with First Western Bank Custer, Custer.

- Submitted, June 30, 2006 

Minneapolis

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority June 25, 2006 to July 1, 2006

Competitive Factors Reports

HomeTown Bank, Redwood Falls, Minnesota -- report on competitive factors of the 

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

Peter, Henderson, Le Sueur, and Cleveland branches of Community Bank 

Minnesota Valley, Wayzata.

- Submitted, June 27, 2006 

Minneapolis

Piedmont Community Bank, Gray, Georgia -- report on competitive factors of the 

proposed merger with PCB Interim Corporation.

- Submitted, June 26, 2006 

Atlanta

State Bank of Lincoln, Lincoln, Illinois -- report on competitive factors of the 

proposed acquisition of the Lincoln branch of Central Illinois Bank, Champaign.

- Submitted, June 30, 2006 

Chicago

Texas Country Bank, Lakeway, Texas -- report on competitive factors of the 

proposed merger with Clayton Mortgage Corp., Austin.

- Submitted, June 30, 2006 

Dallas

Town Bank, Delafield, Wisconsin -- report on competitive factors of the proposed 

merger with its subsidiary, Town Investment Corp., Henderson, Nevada.

- Submitted, June 30, 2006 

Chicago

Extensions Of Time

Farmers & Merchants Bank, Timberville, Virginia -- extension to January 6, 2007, 

to establish a branch at the intersection of Routes 33 and 276, Penn Laird.

- Granted, June 26, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority June 25, 2006 to July 1, 2006

Extensions Of Time

Port Byron State Bank, Port Byron, Illinois -- extension to September 28, 2006, to 

establish a branch at 301 West 1st Avenue, Coal Valley, and to make an additional 

investment in bank premises.

- Granted, June 29, 2006 

Chicago

SuffolkFirst Bank, Suffolk, Virginia -- extension to February 25, 2007, to establish 

a branch at Hill Shopping Center, Bennet's Creek Crossing.

- Granted, June 27, 2006 

Richmond

Financial Holding Companies

First National Bancshares of Weatherford, Inc., Weatherford, Oklahoma -- election 

to become a financial holding company.

- Effective, June 28, 2006 

Kansas City

Membership

Community Bank, Cabot, Arkansas -- to become a member of the Federal Reserve 

System and to retain as financial subsidiaries Grand Prairie Title Company, Inc.; 

Community Title Services, Inc.; Lonoke Abstract Corporation, Lonoke; Community 

Insurance Agency, Inc., Jacksonville; and First State Insurance Agency, Inc., 

Conway.

- Approved, June 27, 2006 

St. Louis

Regulations And Policies

Short-term Interest Rates -- increase in the target for the federal funds rate from 5 

percent to 5-1/4 percent.

- Approved, June 29, 2006 

FOMC

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

Federal Reserve Bank of Boston

Filings received during the week ending July 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Section 4(c)(8) notification by Boston Private

Financial Holdings, Inc., Boston, MA to

acquire a 10% additional interest in Bingham,

Osborn & Scarborough LLC, San Francisco,

CA.

BOSTON PRIVATE

FINANCIAL HOLDINGS, 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 July 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 07/17/2006

07/24/2006

The Adirondack Trust Company Employee

Stock Ownership Trust, Saratoga Springs, New

York, to acquire fifty additional shares of 473

Broadway Holding Corporation and to acquire

one thousand additional shares of The

Adirondack Trust Company, Saratoga Springs,

New York, pursuant to Section 3(a)(3) of the

Bank Holding Company Act of 1956, as

amended.

ADIRONDACK TRUST

COMPANY EMPLOYEE

STOCK OWNERSHIP TRUST,

THE

Newspaper:

Federal Register:

FBSEA

Not applicable

Notice by Banco Bilbao Vizcaya Argentaria, 06/21/2006

S.A., Bilbao, Spain, to convert its existing

agency office in Miami, Forida, into a

State-Licensed Branch office, pursuant to

Section 5(a)(7)(B) of the International Banking

Act.

BANCO BILBAO VIZCAYA

ARGENTARIA, S.A.

Newspaper:

Federal Register:

Other Foreign

Not applicable

Banco Santander International, Miami, 07/07/2006

Florida, to establish a domestic branch in

Houston, Texas, pursuant to Section 211.5(f) of

Regulation K.

BANCO SANTANDER

INTERNATIONAL

Newspaper:

Federal Register:

* 3A3 Not available

Not available

HSBC Holdings plc, HSBC Overseas Holdings

(UK) Limited, both of London, United

Kingdom, HSBC North America Inc., HSBC

Investments (North America) Inc., HSBC

North America Holdings Inc., all of

Wilmington, Delaware, and HSBC USA Inc.,

Baltimore, maryland, propose to acquire a new

insured and full-service bank pursuant to

Section 3(a)(3) of the Bank Holding company

Act of 1956 as amended,by establishing a

national bank to be named HSBC National

Bank USA in Bethesda, Maryland.

HSBC HOLDINGS PLC

Newspaper:

Federal Register:

FBSEA

Not applicable

The International Commercial Bank of China 06/09/2006

Co., Ltd. ("ICBC"), Taipei, Taiwan,Republic of

China is applying to establish a branch, under

Section 211.24(a)(1)of Regulation K, in San

Jose, California and upgrade its two existing

offices in New York City and Los Angeles,

California to full service branches.

INTERNATIONAL

COMMERCIAL BANK OF

CHINA CO., LTD., THE

Newspaper:

Federal Register:

FBSEA

Not applicable

Mizrahi Tefahot Bank Ltd. (the "Bank"), 04/10/2006

Ramat-Gan, Israel, is applying to the Board,

under Section 211.24(a)(1) of Regulation K, to

establish a branch in New York, New York by

relocating the Bank's Los Angeles, California

FDIC-insured branch. 

In addition, the Bank is applying to the Board,

under Section 211.24(a)(1), to establish a

representative office in Los Angeles,

California, which will serve as a liaison office

with the Bank's remaining California-based

customers.

MIZRAHI TEFAHOT BANK

LTD.

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

Federal Reserve Bank of New York

Filings received during the week ending July 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

NRW.Bank and WestLB Beteiligungsholding

GmbH, both of Dusseldorf, Germany

(collectively, the "Notificants"), to continue to

engage indirectly in extending credit and

servicing loans and acting as a financial or

investment advisor, pursuant to Section 4(c)(8)

of the Bank Holding Company Act of 1956, as

amended, and Sections 225.28(b)(1) and

225.28(b)(6) of Regulation Y. These activities

are conducted through certain joint ventures of

HSH Nordbank AG, Hamburg, Germany, a

subsidiary of the Notificants.

NRW.BANK

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 Not available

The Toronto-Dominion Bank, Toronto,

Ontario, Canada, and TD Banknorth Inc.,

Portland, Maine, propose to acquire 100

percent of the voting shares of Interchange

Financial Services Corporation, the parent

company of Interchange Bank, both of Saddle

Brook, New Jersey, pursuant to Sections

3(a)(3) and 3(a)(5) of the Bank Holding

Company Act, and Section 225.15 of

Regulation Y.

TORONTO-DOMINION BANK,

THE

* 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 July 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Premises Not applicable

Bryn Mawr Trust Company, Bryn Mawr, PA, 07/07/2006

to establish a branch office located at 849 Paoli

Pike, West Goshen Township, West Chester,

PA, pursuant to Section 9 of the Federal

Reserve Act.

BRYN MAWR TRUST

COMPANY

Newspaper:

Federal Register:

* 3A1

Member

07/14/2006

07/13/2006

Conestoga Bancorp, Inc., (in formation) King

of Prussia, PA, to become a bank holding

company, by acquiring Conestoga Bank (also

in formation), King Prussia, PA.

CONESTOGA BANCORP, INC

Newspaper:

Federal Register:

* 3A3 Not available

07/10/2006

East Penn Financial Corporation, Emmaus,

PA, to acquire up to 19.9% of Berkshire

Bancorp, Inc., Wyomissing, PA.

EAST PENN FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Sterling Bank, Mount Laurel, NJ, to establish a 07/05/2006

branch office located at 4002 Bridgeboro Road,

at the intersection of County Route 613

(Moorestown Bridgeboro) and Hartford Road,

in Delran Township, Burlington County, NJ.

STERLING 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 July 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 06/23/2006

establish a branch at 5075 West Washington

Street, Indianapolis, IN.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 3A3 07/21/2006

07/24/2006

Application by S&T Bancorp, Inc., Indiana,

PA to acquire up to 9.9% of the voting shares

of CBT Financial Corporation, Clearfield, PA

pursuant to Section 3(a)(3) of the Bank

Holding Company Act.

S & T BANCORP, INC.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

38526 IRON & GLASS BK, PITTSBURGH, PENNSYLVANIA 04/10/2006 06/22/2006 S Int Sm 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 July 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Gateway Bank & Trust Co., Elizabeth City, 07/13/2006

North Carolina, proposes to establish a branch

at 3801 Pacific Avenue, Virginia Beach,

Virginia.

GATEWAY BANK & TRUST

CO.

Newspaper:

Federal Register:

* Branch

Not applicable

The Patapsco Bank, Dundalk, Maryland, 07/13/2006

proposes to establish a branch at 11630 Glen

Arm Road, Glen Arm, Maryland.

PATAPSCO BANK, THE

Newspaper:

Federal Register:

* Branch

Not applicable

Planters Bank & Trust Company of Virginia, 07/11/2006

Staunton, Virginia, proposes to establish a

branch at 1391 South High Street,

Harrisonburg, Virginia.

PLANTERS BANK & TRUST

COMPANY OF VIRGINIA

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Rocky Mount, North 07/14/2006

Carolina, to establish a branch at 8020 Conroy

Windermere Road, Orlando, Florida.

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Second Bank & Trust, Culpeper, Virginia, 07/11/2006

proposes to establish a branch at 1924

Arlington, Boulevard, Charlottesville,

Virginia.

SECOND BANK & TRUST

* 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 July 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

BankEast, Knoxville, Tennessee, to establish 07/12/2006

branches at the following locations: 826 E.

Lamar Alexander Parkway, Maryville,

Tennessee; and 5248 N. Broadway, Knoxville,

Tennessee.

BANKEAST

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Hometown Bancorp of Alabama, Inc.,

Oneonta, Alabama, notice to become a bank

holding company by acquiring 100 percent of

the outstanding shares of The HomeTown

Bank of Alabama, Oneonta, Alabama.

HOMETOWN BANCORP OF

ALABAMA, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 07/08/2006

establish a branch located at 1300 Oliver Road,

Monroe, Louisiana, to be known as the Oliver

Road Branch.

IBERIABANK

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 07/06/2006

establish a branch located at 9600 Brownsboro

Road, Suite 300, Louisville, Kentucky.

REGIONS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 07/08/2006

branches at the following locations: 17650

N.W. 2nd Avenue, Miami Gardens, Florida, to

be known as the Norland Wal-Mart Office; and

375 Kings Highway, Port Charlotte, Florida, to

be known as the Kings Highway Wal-Mart

Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending July 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Chemical Bank, Midland, Michigan, to acquire 07/17/2006

certain assets and assume certain liabilities of

two branch offices of First Financial Bank,

N.A., Hamilton, Ohio, and thereby to establish

two branches.

CHEMICAL BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First American Bank, Fort Dodge, Iowa, to

merge with Waukee State Bank, Waukee,

Iowa, and incident thereto, to establish a

branch office at the existing location of

Waukee State Bank, 45 North Warrior Lane,

Waukee, Iowa.

FIRST AMERICAN BANK

Newspaper:

Federal Register:

* 3A1 Not available

4c8 07/07/2006

First Community Financial Partners, Inc.,

Joliet, Illinois, to become a bank holding

company by acquiring 100 percent of the

voting shares of First Community Bank of

Joliet, Joliet, Illinois, and to engage de novo in

lending activities.

FIRST COMMUNITY

FINANCIAL PARTNERS, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Farmers Bank & Trust Co., Converse,

Indiana, to purchase certain assets and assume

certain liabilities of three Indiana branch

offices of Fifth Third Bank, Grand Rapids,

Michigan, located in Culver, Knox, and North

Judson, and thereby to establish three branch

offices.

FIRST FARMERS BANK &

TRUST

Newspaper:

Federal Register:

CIC Not available

06/13/2006

Notice by Richard N. Glendening of Pella,

Iowa, individually and as trustee of the Richard

Glendening Trust and the Linda Glendening

Subchapter S Trust to retain control of 35.34

percent and acting in concert with the

Glendening Family (Richard & Mary

Glending, Pella, Iowa; Linda Glendening,

Pella, IA; Kara & Nathan Busker, Oakland,

NJ; Eric & Sanae Glendening, Terre Hante,

IN; Erin Glendening, Pittsburgh, PA; Brent &

Mary Jaco, Galveston, TX) to retain control of

39.53 percent of Leighton Investment

Company, Pella, Iowa.

LEIGHTON INVESTMENT

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Markesan State Bank, Markesan, Wisconsin, 07/10/2006

to establish a branch facility to be located at

807 and 811 W. Main Street, Waupun,

Wisconsin.

MARKESAN STATE BANK

Newspaper:

Federal Register:

CIC Not available

06/15/2006

Notice by Harvey N. Gainey, Sr., Grand

Rapids, Michigan, to acquire control, through

the acquisition of additional shares, of 20.94

percent of Northpointe Bancshares, Inc., Grand

Rapids, Michigan, and thereby indirectly

acquire Northpointe Bank, Grand Rapids,

Michigan.

NORTHPOINTE

BANCSHARES, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending July 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 07/05/2006

07/14/2006

NRBC Holding Corporation, Chicago, Illinois,

to become a bank holding company by

acquiring 100 percent of the outstanding shares

of The National Republic Bank of Chicago,

Chicago, Illinois.

NRBC HOLDING

CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

07/21/2006

Ohnward Bancshares, Inc., Maquoketa, Iowa,

to acquire 100 percent of the voting shares of

United Security Financial Corporation, Cedar

Rapids, Iowa, and thereby indirectly acquire

United Security Savings Bank, Cedar Rapids,

Iowa, and thereby operate a savings

association.

OHNWARD BANCSHARES,

INC.

Newspaper:

Federal Register:

* 4c8 Not available

07/31/2006

Republic Bancorp Co., Orland Park, Illinois, to

acquire up to 24.99 percent of the voting

shares of Park Bancorp, Inc., Chicago, Illinois,

and thereby indirectly acquire Park Federal

Savings Bank, Chicago, Illinois, and thereby

operate a savings association.

REPUBLIC BANCORP CO.

* 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 July 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 07/01/2006

establish a branch facility to be located at 36th

and Tecumseh Road, Norman, Oklahoma.

ARVEST BANK

Newspaper:

Federal Register:

* 3A3 07/23/2006

07/28/2006

Cross County Bancshares, Inc., Wynne,

Arkansas, to acquire 6.6 percent of Pinnacle

Bancshares, Inc., Bentonville, Arkansas, and

thereby indirectly acquire Pinnacle Bank,

Bentonville, Arkansas.

CROSS COUNTY

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 07/12/2006

07/06/2006

Notice by Leon Brasher, Fredonia, Kentucky,

to gain control of Fredonia Valley Bancorp,

Inc., Fredonia, Kentucky.

FREDONIA VALLEY

BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 07/28/2006

07/28/2006

German American Bancorp, Inc., Jasper,

Indiana, to acquire 100 percent of German

American Bancorp, Jasper, Indiana (a

commercial bank in organization).

GERMAN AMERICAN

BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 07/28/2006

07/28/2006

Lonoke Bancshares, Inc., Lonoke, Arkansas, to

acquire 6.6 percent of Pinnacle Bancshares,

Inc., Bentonville, Arkansas, and thereby

indirectly acquire Pinnacle Bank, Bentonville,

Arkansas.

LONOKE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 07/14/2006

06/30/2006

Mid-Missouri Bancshares, Inc., Springfield,

Missouri, to merge with First Financial

Bancshares, Inc., Springfield, Missouri, and

thereby indirectly acquire First National Bank

of Mount Vernon, Mount Vernon, Missouri.

MID-MISSOURI

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3

* 3A1

07/30/2006

07/31/2006

Midwest Community Bancshares, Inc.,

Marion, Illinois, to indirectly acquire 100

percent of C.P. Burnett & Sons, Inc., Eldorado,

Illinois, and thereby indirectly acquire C.P.

Burnett & Sons, Bankers, Eldorado, Illinois.

Also, MCB Sub, Inc., Marion, Illinois, a

wholly owned subsidiary of Midwest

Community Bancshares, Inc., to become a

bank holding company by acquiring 100

percent of C.P. Burnett & Sons, Inc., Eldorado,

Illinois, and thereby indirectly acquire C.P.

Burnett & Sons, Bankers, Eldorado, Illinois.

MIDWEST COMMUNITY

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 07/23/2006

07/28/2006

Pinnacle Bancshares, Inc., Bentonville,

Arkansas, to become a bank holding company

by acquiring 100 percent of Pinnacle Bank,

Bentonville, Arkansas.

PINNACLE BANCSHARES,

INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending July 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

4c8

07/15/2006

07/14/2006

Finlayson Bancshares, Inc., Finlayson,

Minnesota to acquire 100 percent of First

National Agency Company of Deer River, Inc.,

Deer River, Minnesota and indirectly acquire

100 percent of First National Agency of Deer

River, Inc., Deer River, MN, a non bank

insurance subsidiary.

FINLAYSON BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A3

* 3A1

06/17/2006

06/19/2006

Glacier Bancorp, Inc., Kalispell, Montana, to

indirectly acquire 100 percent of Citizens

Development Company, Billings, Montana.

GLACIER BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Glacier Bancorp, Inc., Kalispell, Montana, to

acquire 100 percent of First National Bank of

Morgan, Morgan, Utah, through merger with

and into New First National Bank of Morgan,

an interim bank.

GLACIER BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

07/14/2006

Hatton Bancshares, Inc., Fargo, North Dakota,

to become a bank holding company by

acquiring ninety percent of the voting shares of

Farmers & Merchants National Bank of

Hatton, North Dakota.

HATTON BANCSHARES

Newspaper:

Federal Register:

* 3A3 Not available

07/10/2006

State Bank of Hawley Employee Stock

Ownership Plan, Hawley, Minnesota, proposes

to increase its ownership to 46% of Bankshares

of Hawley, Inc., Hawley, Minnesota.

STATE BANK OF HAWLEY

EMPLOYEE STOCK

OWNERSHIP PLAN & TRUST

Newspaper:

Federal Register:

* 3A5 Not available

07/31/2006

U.S. Bancorp, Minneapolis, Minnesota, to

acquire 100 percent of Vail Banks, Inc., Avon,

Colorado, and thereby indirectly acquire

WestStar Bank, Vail, Colorado.

U.S. BANCORP

* 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

2265335 COMMUNITY BK MISSOULA, MISSOULA, MONTANA 03/06/2006 06/22/2006 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 July 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/11/2006

07/06/2006

Notice by The Watts Revocable Declaration of

Trust dtd 11/6/96 (Richard J. Watts, trustee),

RJW Enterprises, and Richard J. Watts, all of

Ramona, California, and Janice and Jack A.

Roccoforte, El Cajon, California, acting as a

group, to retain control of Ameribanc

Holdings, Inc. and its subsidiary bank, Bank of

Durango, both of Durango, Colorado.

AMERIBANC HOLDINGS

Newspaper:

Federal Register:

CIC Not available

07/17/2006

Notice by Daniel T. Sims and Nicolette B.

Sims, Leawood, Kansas, and Daniel T. Sims as

co-trustee of the Will Ben Sims Marital Trust

and the Patricia L. Sims Family Trust; Stephen

L. Riffel and Mary Susan Riffel, Moberly,

Missouri, and Mary Susan Riffel as co-trustee

of the Patricia L. Sims Family Trust; Will Ben

Sims Marital Trust, Moberly Missouri; Patricia

L. Sims Family Trust, Moberly, Missouri; to

acquire control of Chariton County

Bancshares, Inc., Moberly, Missouri, parent of

County Bank, Brunswick, Missouri.

CHARITON COUNTY

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First State Bank, Picher, Oklahoma, to 07/10/2006

establish a branch at 102 North Mickey Mantle

Boulevard, Commerce, Oklahoma.

FIRST STATE BANK

* 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 July 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Peoples Bank, Lubbock, Texas, to establish a 07/11/2006

courier service branch (from its main office

location at 5820 82nd Street, Lubbock, Texas

79424) to conduct business in Lubbock County,

Texas.

PEOPLES 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

908861 TRANSPECOS BANKS, PECOS, TEXAS 03/20/2006 06/21/2006 O Small Bank

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 July 1, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

East West Bank, Pasadena, California, to 06/27/2006

establish a branch facility at 135 N. Los Robles

Avenue, Pasadena, California.

EAST WEST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Pacific State Bank, Stockton, California, to 07/10/2006

establish a branch facility at 501 W. Kettleman

Lane, Lodi, California.

PACIFIC STATE 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

808167 NORTH VALLEY BK, REDDING, CALIFORNIA 02/21/2006 06/23/2006 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act