Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 42

Week Ending October 21, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions October 15, 2006 to October 21, 2006

Bank Holding Companies

Regions Financial Corporation, Birmingham, Alabama -- to merge with AmSouth 

Bancorporation and thereby acquire AmSouth Bank, and for Regions Bank to merge 

with AmSouth Bank and thereby establish branches.

- Approved, October 20, 2006 

Wachovia Corporation, Charlotte, North Carolina -- commenter's request for 

reconsideration of the Board's approval of the application to acquire Golden West 

Financial Corporation, Oakland, California.

- Denied, October 20, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
October 15, 2006 to October 21, 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

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 2600 Donaghey 

Avenue, Conway.

- Approved, October 17, 2006 

St. Louis

Bank of Evansville, Evansville, Indiana -- to establish a branch at 515 Dixie Lane.

- Approved, October 17, 2006 

St. Louis

Bank of the James, Lynchburg, Virginia -- to establish a branch at 164 South Main 

Street, Amherst.

- Approved, October 19, 2006 

Richmond

Citizens Community Bank, South Hill, Virginia -- to establish a branch at 138 

Roanoke Rapids Road, Gaston, North Carolina.

- Approved, October 16, 2006 

Richmond

Cottonwood Valley Bank, Cedar Point, Kansas -- to establish a branch at 200 

Broadway Street, Cottonwood Falls.

- Approved, October 16, 2006 

Kansas City

County Bank, Merced, California -- to establish a branch at the intersection of 

Shanks Road and Schiendel Avenue, Delhi.

- Approved, October 16, 2006 

San Francisco

Farmers & Mechanics Bank, Frederick, Maryland -- to establish a branch at 12916 

Conamar Drive, Hagerstown.

- Approved, October 16, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 9
H.2 Actions under delegated authority October 15, 2006 to October 21, 2006

Bank Branches, Domestic

Fidelity & Trust Bank, Bethesda, Maryland -- to establish a branch at 8601 

Westwood Center Drive, Vienna, Virginia.

- Approved, October 20, 2006 

Richmond

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 4653 Tuscarawas 

Street West, Perry Township.

- Approved, October 20, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 225 West State 

Street, Geneva, Illinois.

- Approved, October 17, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 400 East South 

Water Street, Chicago, Illinois.

- Approved, October 17, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 24653 West 

Higgins Road, Hoffman Estates, Illinois.

- Approved, October 17, 2006 

Cleveland

First Bank, St. Louis, Missouri -- to establish a branch at 1788 Tribute Road, Suite 

304, Sacramento, California.

- Approved, October 17, 2006 

St. Louis

RBC Centura Bank, Raleigh, North Carolina -- to establish a branch at 14495 

Miramar Parkway, Miramar, Florida.

- Approved, October 18, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 2 of 9
H.2 Actions under delegated authority October 15, 2006 to October 21, 2006

Bank Branches, Domestic

RBC Centura Bank, Raleigh, North Carolina -- to establish a branch at 4620 PGA 

Boulevard, Suite 101, Palm Beach Gardens, Florida.

- Approved, October 18, 2006 

Richmond

Sandy Spring Bank, Olney, Maryland -- to establish a branch at 8677 Georgia 

Avenue, Silver Spring.

- Approved, October 18, 2006 

Secretary

Bank Holding Companies

Baytree Bancorp, Inc., Lake Forest, Illinois -- to engage in riskless principal 

transactions through its subsidiary, Baytree Bancorp Investments, Inc.

- Approved, October 20, 2006 

Chicago

BBOK Bancshares, Inc., Wichita, Kansas -- to acquire First St. Louis Securities, St. 

Louis, Missouri, and thereby engage in securities brokerage, private placement 

services, and underwriting and dealing in government obligations and money market 

instruments.

- Approved, October 20, 2006 

Kansas City

Blue Lion Bancshares, Inc., Prairie Village, Kansas -- to become a bank holding 

company and to acquire 99.95 percent of the shares of Hartford State Bank, Hartford.

- Approved, October 20, 2006 

Kansas City

BOR Bancorp, Rothville, Missouri -- to become a bank holding company and to 

acquire Bank of Rothville.

- Approved, October 16, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 9
H.2 Actions under delegated authority October 15, 2006 to October 21, 2006

Bank Holding Companies

Cadence Financial Corporation, Starkville, Mississippi -- amended request for 

waiver of application to acquire Seasons Bancshares, Inc., Blairsville, Georgia, and 

Seasons Bank; and for Seasons Bank to merge with Cadence Financial 

Corporation's subsidiary, Cadence Bank, N.A., Starkville.

- Granted, October 16, 2006 

Secretary

CP Capital Asset Acquisition, Inc., Miami, Florida -- to become a bank holding 

company and to acquire Security Bank, N.A., North Lauderdale.

- Approved, October 20, 2006 

Atlanta

Heartland Financial USA, Inc., Dubuque, Iowa -- to acquire Summit Acquisition 

Corporation, Broomfield, Colorado, and Summit Bank & Trust, a de novo bank; and 

for Summit Acquisition Corporation to become a bank holding company and to 

acquire Summit Bank & Trust.

- Approved, October 16, 2006 

Chicago

Jacksonville Bancorp, Inc., Jacksonville, Florida -- relief from a commitment.

- Withdrawn, October 18, 2006 

Atlanta

National City Corporation, Cleveland, Ohio -- to acquire Fidelity Bankshares, Inc., 

West Palm Beach, Florida, Fidelity Federal Bank & Trust, and Fidelity Realty & 

Appraisal Services, Inc. and thereby engage in real estate appraisal services.

- Approved, October 16, 2006 

Cleveland

PrivateBancorp, Inc., Chicago, Illinois -- to acquire Piedmont Bancshares, Inc., 

Atlanta, Georgia, and Piedmont Bank of Georgia.

- Approved, October 18, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 4 of 9
H.2 Actions under delegated authority October 15, 2006 to October 21, 2006

Bank Holding Companies

RBC Centura Banks, Inc., Raleigh, North Carolina; Royal Bank of Canada, 

Montreal, Quebec, Canada; Royal Bank Holding Inc., Toronto, Ontario; RBC 

Holding (USA) Inc., New York, New York; RBC USA Holdco Corporation; RBC 

Holdings (Delaware) Inc., Wilmington, Delaware; Prism Financial Corporation, 

Chicago, Illinois; and FLAG Acquisition Sub, Inc., Rocky Mount, North Carolina -- 

to acquire FLAG Financial Corporation, Atlanta, Georgia, and FLAG Bank.

- Approved, October 18, 2006 

Richmond

S.B.C.P. Bancorp, Inc., Cross Plains, Wisconsin -- waiver of application to acquire 

Verona Bancshares, Limited, Verona, and Independent Bank, in connection with the 

merger of Independent Bank and State Bank of Cross Plains, Cross Plains.

- Granted, October 20, 2006 

Chicago

St. Elizabeth Bancshares, Inc., St. Elizabeth, Missouri -- to acquire Bank of 

Freeburg, Freeburg.

- Approved, October 16, 2006 

St. Louis

Sterling Financial Corporation, Spokane, Washington -- waiver of application to 

merge with FirstBank NW Corp, Clarkston, in connection with the merger of 

FirstBank Northwest and Sterling Savings Bank, Spokane.

- Granted, October 20, 2006 

San Francisco

Bank Premises

Farmers and Miners Bank, Pennington Gap, Virginia -- to increase its investment in 

bank premises.

- Approved, October 19, 2006 

Richmond

Peoples Community Bank, Montross, Virginia -- to increase its investment in bank 

premises.

- Approved, October 17, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 5 of 9
H.2 Actions under delegated authority October 15, 2006 to October 21, 2006

Change In Bank Control

Big Coal River Bancorp, Inc., Whitesville, West Virginia -- to retain control of Big 

Coal River Bancorp, Inc.

- Permitted, October 20, 2006 

Richmond

Dearmin Bancorp, Inc., Odon, Indiana -- change in bank control.

- Permitted, October 16, 2006 

St. Louis

Landmark Community Bank, Pittston, Pennsylvania -- change in bank control.

- Permitted, October 18, 2006 

Philadelphia

Competitive Factors Reports

American Banking Company, Moultrie, Georgia -- report on competitive factors of 

the proposed merger with Islands Community Bank, N.A., Beaufort, South Carolina.

- Submitted, October 16, 2006 

Atlanta

The Citizens Bank, Morehead, Kentucky -- report on competitive factors of the 

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

Owingsboro and Sharpsburg branches of Farmers Bank & Trust Company, 

Georgetown.

- Submitted, October 16, 2006 

Cleveland

First Bank & Trust, SB, Paris, Illinois -- report on competitive factors of the 

proposed purchase of assets and assumption of deposit liabilities of the Rantoul 

branch of Central Illinois Bank, Champaign.

- Submitted, October 16, 2006 

Chicago

First Security Bank, Underwood, Underwood, North Dakota -- report on 

competitive factors of the proposed merger with The First National Bank of 

McClusky, McClusky.

- Submitted, October 18, 2006 

Minneapolis

(AC) = Addition or Correction Delegated - Page 6 of 9
H.2 Actions under delegated authority October 15, 2006 to October 21, 2006

Competitive Factors Reports

Franklin Bank, S.S.B., Houston, Texas -- report on competitive factors of the 

proposed acquisition of the Mount Vernon and Winnsboro branches of Equity Bank, 

SSB, Dallas.

- Submitted, October 18, 2006 

Dallas

Franklin Bank, S.S.B., Houston, Texas -- report on competitive factors of the 

proposed acquisition of the Mount Vernon and Winnsboro branches of Equity Bank, 

SSB, Dallas.

- Submitted, October 20, 2006 

Dallas

Gardiner Savings Institution Federal Savings Bank, Gardiner, Maine -- report on 

competitive factors of the proposed acquisition of First Citizens Bank, Presque Isle.

- Submitted, October 17, 2006 

Boston

Hampden Bank, Springfield, Massachusetts -- report on competitive factors of the 

proposed merger with Hampden Bancorp, MHC, in connection with a 

reorganization of the mutual holding company into a stock bank holding company.

- Submitted, October 18, 2006 

Boston

Mountain State Bank, Dawsonville, Georgia -- report on competitive factors of the 

proposed acquisition of assets and liabilities of the two Dahlonega branches of 

Gainesville Bank & Trust, Gainesville.

- Submitted, October 19, 2006 

Atlanta

Northview Bank, Finlayson, Minnesota -- report on competitive factors of the 

proposed merger with The First National Bank of Deer River, Deer River.

- Submitted, October 18, 2006 

Minneapolis

(AC) = Addition or Correction Delegated - Page 7 of 9
H.2 Actions under delegated authority October 15, 2006 to October 21, 2006

Competitive Factors Reports

The Old Second National Bank of Aurora, Aurora, Illinois -- report on competitive 

factors of the proposed merger with Old Second Mortgage Company, St. Charles.

- Submitted, October 16, 2006 

Chicago

Patriot Bank, Houston, Texas -- report on competitive factors of the proposed 

merger with Northeast National Bank, Mesquite.

- Submitted, October 20, 2006 

Dallas

Prosperity Bank, El Campo, Texas -- report on competitive factors of the proposed 

merger with Northwest Bank, Roanoke.

- Submitted, October 20, 2006 

Dallas

Prosperity Bank, El Campo, Texas -- report on competitive factors of the proposed 

merger with Gateway National Bank, Dallas.

- Submitted, October 20, 2006 

Dallas

Prosperity Bank, El Campo, Texas -- report on competitive factors of the proposed 

merger with GNB Financial N.A., Gainesville.

- Submitted, October 20, 2006 

Dallas

RBC Centura Bank, Raleigh, North Carolina -- report on competitive factors of the 

proposed merger with FLAG Financial Corporation, Atlanta, Georgia.

- Submitted, October 18, 2006 

Richmond

Shinhan Bank America, New York, New York -- report on competitive factors of 

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

Oradell, New Jersey, branch of The Provident Bank, Jersey City.

- Submitted, October 19, 2006 

New York

(AC) = Addition or Correction Delegated - Page 8 of 9
H.2 Actions under delegated authority October 15, 2006 to October 21, 2006

Competitive Factors Reports

Sterling Savings Bank, Spokane, Washington -- report on competitive factors of the 

proposed merger with FirstBank Northwest, Clarkston.

- Submitted, October 19, 2006 

San Francisco

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

of the proposed merger with The Summit National Bank, Atlanta, Georgia.

- Submitted, October 18, 2006 

San Francisco

Extensions Of Time

IBERIABANK, Lafayette, Louisiana -- extension to November 4, 2007, to establish 

a branch at Highway 21, Covington.

- Granted, October 17, 2006 

Atlanta

SunTrust Bank, Atlanta, Georgia -- extension to November 25, 2007, to establish a 

branch at 121 Rolling Hill Road, Suite 225, Mooresville, North Carolina.

- Granted, October 19, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 9 of 9
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending October 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 11/13/2006

Higher One, Inc., New Haven, Connecticut - to

become a bank holding company pursuant to

section 3(a)(1) of the BHC Act in connection

with the formation of Higher One Bank, New

Haven, Connecticut.

HIGHER ONE, 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 October 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Other Foreign Not available

Not applicable

Banco Santander International, Miami,

Florida, an indirectly held Edge Corporation of

Banco Santander Central Hispano, Madrid,

Spain, provided notice to the Board of

Governors of the Federal Reserve System of its

intention to establish a domestic branch in Los

Angeles, California.

BANCO SANTANDER

INTERNATIONAL

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citigroup, Inc.,

New York, New York ("Citigroup"), request

for specific consent pursuant to Section

211.9(g) of Regulation K for the reorganization

of Citigroup subsidiaries and related prior

notice for investments in excess of the single

company general consent limit under Section

211.9(f) of Regulation K.

CITIGROUP INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Notice by Treetops Acquisition Group LP,

Treetops Acquisition Group II LP, Treetops

Acquisition Group Ltd., Treetops Acquisition

Group II Ltd., CAM Discount Ltd. all of

Georgetown, Grand Cayman, the Edgar M.

Bronfman Trusts A, B, C, D, E, F and G, all of

Montreal, Canada, Israel Discount Ltd, Tel

Aviv, Israel and Discount Bancorp, New York,

New York, ("Discount") for prior approval of

the Board of Governors to permit Discount to

acquire IDB Capital Corp, New York, New

York a Securities and Exchange

Commission-registered securities broker from

its FDIC-insured, state non-member bank

subsidiary Israel Discount Bank of New York,

New York, New York pursuant to Section

4(c)(8) of the Bank Holding Company Act and

Section 228.25(a)(7) of Regulation Y.

Notice by Treetops Acquisition Group LP,

Treetops Acquisition Group II LP, Treetops

Acquisition Group Ltd., Treetops Acquisition

Group II Ltd., CAM Discount Ltd. all of

Georgetown, Grand Cayman, the Edgar M.

Bronfman Trusts A, B, C, D, E, F and G, all of

Montreal, Canada, Israel Discount Ltd, Tel

Aviv, Israel and Discount Bancorp, New York,

New York, ("Discount") for prior approval of

the Board of Governors to permit Discount to

acquire IDB Capital Corp, New York, New

York a Securities and Exchange

Commission-registered securities broker from

its FDIC-insured, state non-member bank

subsidiary Israel Discount Bank of New York,

New York, New York pursuant to Section

4(c)(8) of the Bank Holding Company Act and

Section 228.25(a)(7) of Regulation Y.

DISCOUNT BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

11/03/2006

Fort Orange Financial Corp. requests to

become a one-bank holding company, pursuant

to Section 3(a)1 of the BHC Act, and Section

225.15 of Regulation Y, by acquiring Capital

Bank & Trust Company, both of Albany, New

York.

FORT ORANGE FINANCIAL

CORPORATION

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Export-Import Bank of Ukraine ("EXIM

Bank")Kiev, Ukraine, to establish a

representative office in New York, New York,

pursuant to Section 10(a) of the International

Banking Act of 1978, as amended, and Section

211.24(a)(1) of Regulation K.

STATE EXPORT-IMPORT

BANK OF UKRAINE, INC.

Newspaper:

Federal Register:

FBSEA

Not applicable

UBS AG, Zurich, Switzerland to establish an 10/29/2006

additional federal limited branch to be located

in Tampa, Florida pursuant to Section

211.24(a)(2)(i)(A) of Regulation K.

UBS AG

* 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 October 21, 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 October 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

KeyBank is seeking prior Board approval to

invest an additional amount in excess of 10

percent of its capital and surplus in its

agreement corporations. KeyBank requests

that the Board grant authorization for an

investment by KeyBank in it agreement

corporations of up to an additional

$45,000,000 pursuant to Section 211.5(h)of

Reg K

KeyBank is seeking prior Board approval to

invest an additional amount in excess of 10

percent of its capital and surplus in its

agreement corporations. KeyBank requests

that the Board grant authorization for an

investment by KeyBank in it agreement

corporations of up to an additional

$45,000,000 pursuant to Section 211.5(h)of

Reg K

KEYBANK NATIONAL

ASSOCIATION

Newspaper:

Federal Register:

* Branch Not available

Not applicable

The State Bank and Trust Company, Defiance,

OH to establish a branch at 12832 Coldwater

Road, Fort Wayne, IN.

STATE BANK AND TRUST

COMPANY, THE

* 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 October 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Hampton Roads, Norfolk, Virginia, 10/28/2006

proposes to establish a branch at 204

Carmichael Way, Chesapeake, Virginia.

BANK OF HAMPTON ROADS

Newspaper:

Federal Register:

* 3A5 Not available

* 3A3 11/13/2006

Palmetto State Bankshares, Inc., Hampton,

South Carolina, to acquire 100% of the voting

securities of The Exchange Bankshares, Inc.,

Estill, South Carolina, and thereby indirectly

acquire The Exchange Bank, Estill, South

Carolina. Also, Palmetto State Bankshares,

Inc. to acquire 100% of the voting securities of

Carolina Commercial Bank, Allendale, South

Carolina.

PALMETTO STATE

BANKSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

11/09/2006

TransCommunity Financial Corporation, Glen

Allen, Virginia, to acquire 100% of the voting

securities of Bank of Rockbridge, Lexington,

Virginia (in organization).

TRANSCOMMUNITY

FINANCIAL CORPORATION

* 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 October 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 11/10/2006

11/13/2006

Atlantic Southern Financial Group, Inc.,

Macon, Georgia, to merge with Sapelo

Bancshares, Inc., and thereby acquire Sapelo

National Bank, both of Darien, Georgia.

ATLANTIC SOUTHERN

FINANCIAL GROUP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, SunTrust 10/29/2006

Bank, Atlanta, Georgia, to establish a branch

located at 1508 Branan Field Road,

Middleburg, Florida, to be known as the

Branan Field Wal-Mart Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Tennessee State Bank, Pigeon Forge, 11/01/2006

Tennessee, to establish a branch located at

3177 Wears Valley Road, Sevierville,

Tennessee, to be known as he Wears Valley

Branch.

TENNESSEE STATE BANK

Newspaper:

Federal Register:

CIC 10/26/2006

10/24/2006

United Community Bancshares, Gonzales,

Louisiana, prior change in control notification

filed by Gloria Bienvenu Callais, Charles

Michael Callais, Corey Joseph Callais, Paul

Abdon Callais, and Peter Wade Callais to

acquire an additional 6.2 percent of the

outstanding shares of United Community

Bancshares, Inc. and its subsidiary, United

Community Bank, both of Gonzales,

Louisiana. Proforma total ownership will

equal 78.8 percent.

UNITED COMMUNITY

BANCSHARES, 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 October 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

11/03/2006

Bancorp Financial, Inc., Evergreen Park,

Illinois, to become a bank holding company by

acquiring 100 percent of the voting shares of

Evergreen Interim Bank (in organization),

Evergreen Park, Illinois.

BANCORP FINANCIAL, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 10/20/2006

a branch facility to be located at 4901 N. Belt

Line Rd., Irving, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

three branch facilities to be located at: 1) 1503

Eldridge Parkway, Houston, Texas, 2) 8899

Katy Freeway, Houston, Texas, and 3) 10489

Briar Forest Drive, Houston, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 Not available

11/16/2006

FBOP Corporation, Oak Park, Illinois, to

acquire 100 percent of the voting shares of

Bank USA, National Association, Phoenix,

Arizona. FBOP Corporation currently owns

100 percent of Bank USA, FSB, Phoenix,

Arizona, which is being converted into a

national bank, operating under the name of

Bank USA, National Association, Phoenix,

Arizona.

FBOP CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

11/16/2006

FBOP Corporation, Oak Park, Illinois, to

acquire 100 percent of the voting shares of

Pacific National Bank, San Francisco,

California. FBOP Corporation currently owns

100 percent of California Savings Bank, San

Francisco, California, which is being converted

into a national bank, operating under the name

of Pacific National Bank, San Francisco,

California.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

10/25/2006

Great River Financial Group, Inc., Burlington,

Iowa, to operate a savings bank following the

conversion of its wholly-owned subsidiary,

Burlington Bank and Trust, Burlington, Iowa,

from a state chartered bank to a federal savings

bank.

GREAT RIVER FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Johnson Bank, Racine, Wisconsin, to establish 09/21/2006

a branch facility to be located at 1740 Condor

Lane, Green Bay, Wisconsin.

JOHNSON BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Labe Bank, Chicago, Illinois, to merge with

Bloomingdale Bank and Trust, Bloomingdale,

Illinois, and thereby to establish 6 branches.

LABE BANK

Newspaper:

Federal Register:

* 3A5 Not available

11/09/2006

Northstar Financial Group, Inc., Bad Axe,

Michigan, to acquire 100 percent of the voting

shares of Valley Financial Corp., Caro,

Michigan, and thereby indirectly acquire

Community Bank, Caro, Michigan.

NORTHSTAR FINANCIAL

GROUP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

11/17/2006

Petefish, Skiles Bancshares, Inc., Virginia,

Illinois, to acquire 100 percent of the voting

shares of Chandlerville Bancshares, Inc.,

Chandlerville, Illinois, and thereby indirectly

acquire Peoples State Bank of Chandlerville,

Chandlerville, Illinois.

PETEFISH, SKILES

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Tower Bank & Trust Company, Fort Wayne, 10/31/2006

Indiana, to establish a branch facility to be

located at 103 East Center Street, Warsaw,

Indiana.

TOWER BANK & TRUST

COMPANY

* 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

433943 WASHINGTON ST BK, WASHINGTON, IOWA 05/15/2006 10/16/2006 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 October 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Arvest Bank, Fayetteville, Arkansas, to merge 11/15/2006

with Caney Valley National Bank, Caney,

Kansas, and to retain the acquired facility as a

branch office.

ARVEST BANK

Newspaper:

Federal Register:

* 3A1 Not available

11/17/2006

Cabool State Bank Employee Stock Ownership

Plan, Cabool, Missouri, to become a bank

holding company by acquiring 25.45 percent of

Cabool Bancshares, Inc., Cabool, Missouri,

and thereby indirectly acquire Cabool State

Bank, Cabool, Missouri.

Cabool State Bank Employee

Stock Ownership Plan

Newspaper:

Federal Register:

CIC Not available

11/06/2006

Notice by the Pitchford Stock, L.P., Nashville,

Illinois, and Sheila R. Burcham, Nashville,

Illinois, as general partner, to gain control of

Community Bancshares, Inc., Irvington,

Illinois.

COMMUNITY BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

11/16/2006

DeWitt First Bankshares Corporation, DeWitt,

Arkansas, to acquire 100 percent of First

National Bank of Stuttgart, Stuttgart,

Arkansas.

DEWITT FIRST BANKSHARES

CORPORATION

* 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 October 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/01/2006

Eric W. Hilgenberg Living Trust, Eric W.

Hilgenberg and Jennifer J. Hilgenberg, as

individuals and trustees, Rosemount,

Minnesota, Walter W. Hilgenberg, Prior Lake,

Minnesota, as a group acting in concert; and

Stuart A. Voigt, Apple Valley, Minnesota, as

an individual, to gain control of Commercial

Bancshares, Inc., Bloomington, Minnesota.

COMMERCIAL BANCSHARES,

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Dacotah Bank, Aberdeen, South Dakota,

proposes to purchase the assets and assume the

liabilities of the Brookings, South Dakota,

branch of BankFirst, Sioux Falls, South

Dakota, and incident thereto establish a branch

at 425 22nd Avenue South, Brookings, South

Dakota.

DACOTAH BANK

Newspaper:

Federal Register:

* 3A5 Not available

11/17/2006

Frandsen Financial Corporation, Forest Lake,

Minnesota, to merge with Pine Bankshares,

Pine City, Minnesota, and thereby indirectly

acquire The First National Bank of Pine City,

Pine City, Minnesota.

FRANDSEN FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

11/09/2006

Heywood Bancshares, Inc., Northfield,

Minnesota, to become a bank holding company

by acquiring 100 percent of The First National

Bank of Northfield, Northfield, Minnesota.

Heywood Bancshares, Inc.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

John T. Vucurevich Foundation, Rapid City,

South Dakota, to become a bank holding

company by acquiring 100% of the voting

shares of United Bancorporation, Osseo,

Wisconsin, and Midwest Bancorporation,

Billings, Montana.

JOHN T. VUCUREVICH

FOUNDATION

Newspaper:

Federal Register:

CIC Not available

Not available

Change in control notice by Jeffrey F.

Burzinski, Chaska, Minnesota, to acquire

20.01 percent of the shares of Peregrine

Corporation, Chaska, Minnesota and thereby

indirectly acquire control of Community Bank

Corp., Chaska, Minnesota.

PEREGRINE CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

11/09/2006

United Bancorporation, Osseo, Wisconsin, to

merge with Midwest Bancorporation, Billings,

Montana.

UNITED BANCORPORATION

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending October 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Citizens Security Bank & Trust Company, 11/11/2006

Bixby, Oklahoma, to merge with The First

Bank of Haskell, Haskell, Oklahoma, and

incident thereto, to establish a branch.

CITIZENS SECURITY BANK &

TRUST COMPANY

Newspaper:

Federal Register:

Member

* 3A1

* 3A3

11/14/2006

11/13/2006

Community Bank of Pleasant Hill, Pleasant

Hill, Missouri, in organization, to become a

member of the Federal Reserve System.

Arcadia Financial Corporation, Raymore,

Missouri, to become a bank holding company

through the acquisition of 52.26 percent of the

voting shares of Community Bank of Pleasant

Hill, Pleasant Hill, Missouri. LoLyn Financial

Corporation, Raymore, Missouri, to acquire 60

percent of the voting shares of Arcadia

Financial Corporation, Raymore, Missouri,

proposed parent of Community Bank of

Pleasant Hill, Pleasant Hill, Missouri (in

organization).

COMMUNITY BANK OF

PLEASANT HILL

Newspaper:

Federal Register:

* Branch

Not applicable

First Community Bank, Taos, New Mexico, to 10/27/2006

establish a branch at the corner of Lohman

Avenue and Foothills Road, Las Cruces, New

Mexico.

FIRST COMMUNITY BANK

Newspaper:

Federal Register:

CIC Not available

11/01/2006

Notification by Jeffrey D. and Ruby L.

Johnson, both of Midwest City, Oklahoma, and

Jack L. and Linda J. Justice, both of Pauls

Valley, Oklahoma, to acquire control of

MidWest Community Financial Corporation,

Midwest City, Oklahoma, parent of Canute

Bancshares, Inc., Midwest City, Oklahoma,

which is the parent company of The First State

Bank of Canute, Canute, Oklahoma.

MIDWEST COMMUNITY

FINANCIAL CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

11/06/2006

Winter Trust of 12/3/74, Ottawa, Kansas, and

its subsidiary, Peoples, Inc., Colorado Springs,

Colorado, to engage indirectly in mortgage

lending activities, through the acquisition of a

60 percent interest in Oread Mortgage, L.L.C.,

Lawrence, Kansas, by Peoples Bank,

Lawrence, Kansas.

PEOPLES, 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 October 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

11/17/2006

Patriot Bancshares, Inc., Houston, Texas, to

acquire by merger 100 percent of Northeast

Bancshares, Inc., Mesquite, Texas, and

indirectly acquire Northeast

Bancshares-Delaware, Inc., Wilmington,

Delaware, and Northeast National Bank,

Mesquite, Texas.

PATRIOT BANCSHARES, INC.

* 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 October 21, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 10/30/2006

1) Green Bancorp, Inc. to become a bank

holding company by acquiring 100 percent of

Redstone Bank, N.A., both of Houston, Texas;

2) Belvedere Texas Holdings L.P., San

Francisco, California to become a bank holding

company by acquiring 49 percent of Green

Bancorp, Inc., and thereby indirectly acquire

Redstone Bank, N.A., both of Houston, Texas;

and 3) Belvedere Capital Partners II, LLC, and

Belvedere Capital Fund II L.P., both of San

Francisco, California, to acquire up to 49

percent of Green Bancorp, Inc., and thereby

indirectly acquire Redstone Bank, N.A.,

Houston, Texas.

BELVEDERE CAPITAL

PARTNERS II LLC

Newspaper:

Federal Register:

* 3A3 11/04/2006

11/03/2006

Castle Creek Capital Partners III, L.P., Castle

Creek Capital III LLC, Eggemeyer Capital

LLC, Ruh Capital LLC, Western States

Opportunity LLC, Eggemeyer Family Trust,

William J. Ruh Trust, Legions IV Advisory

Corp., all located in Rancho Santa Fe,

California, and LDF, Inc., located in Chicago,

Illinois, to acquire 100 percent of BB&T

Bancshares, Corp., and thereby indirectly

acquire Bloomingdale Bank and Trust, both of

Bloomingdale, Illinois.

CASTLE CREEK CAPITAL

PARTNERS III, L.P.

Newspaper:

Federal Register:

* 3A1 Not available

* 3A5 11/17/2006

1) First California Financial Group to become

a bank holding company by acquiring 100

percent of National Mercantile Bancorp, both

of Los Angeles, California, and thereby

indirectly acquire its subsidiary banks,

Mercantile National Bank, Los Angeles,

California, and South Bay Bank, N.A.,

Torrance, California; and 2) First California

Financial Group, Los Angeles, California, to

merge with FCB Bancorp, Camarillo,

California, and thereby indirectly acquire its

subsidiary bank, First California Bank,

Camarillo, California.

FIRST CALIFORNIA

FINANCIAL GROUP

Newspaper:

Federal Register:

* 3A1 Not available

09/22/2006

NHB Holdings, Inc., Jacksonville, Florida, to

become a bank holding company by acquiring

100 percent of Volvo Commercial Credit Corp.

of Utah, which will be renamed Globility

Bank, Salt Lake City, Utah.

NHB HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

11/03/2006

West Valley Bancorp, Inc., to become a bank

holding company by acquiring 100 percent of

West Valley National Bank (In Organization),

both of Avondale, Arizona.

WEST VALLEY 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

197478 EAST WEST BK, PASADENA, CALIFORNIA 05/15/2006 10/06/2006 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act