Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 23

Week Ending June 10, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions June 4, 2006 to June 10, 2006

Banks, Foreign

Banco Latinoamericano de Exportaciones S.A., Panama City, Republic of 

Panama -- to act as a certification authority in connection with financial and 

nonfinancial transactions and engage in related data processing activities.

- Approved, June 8, 2006 

Enforcement

Bank of Tazewell County, Tazewell, Virginia -- issuance of a consent order of 

assessment of a civil money penalty.

- Announced, June 9, 2006 

Forms

Forms -- final Board review to extend without revision the Senior Loan Officer 

Opinion Survey on Bank Lending Practices (FR 2018) and Senior Financial Officer 

Survey (FR 2023), and to extend with revision the Automobile Finance Terms (FR 

2005), Passenger Auto Contract Collection Trends (FR 2012), Quarterly Report of 

Interest Rates on Selected Direct Consumer Installment Loans (FR 2835), and 

Quarterly Report of Credit Card Plans (FR 2835a). 

- Approved, June 5, 2006 

Reserve Bank Operations

Federal Reserve Bank of Philadelphia -- appointment of Charles I. Plosser as 

President, effective August 1, 2006.

- Approved, June 5, 2006 

Testimony And Statements

Nomination of Vice Chairman -- statement by Governor Kohn before the Senate 

Committee on Banking, Housing, and Urban Affairs on his nomination as Vice 

Chairman of the Board.

- Published, June 8, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
June 4, 2006 to June 10, 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

Banco Popular North America, New York, New York -- to establish a branch at 

1620 West 49th Street, Hialeah, Florida.

- Approved, June 8, 2006 

New York

The Guarantee State Bank, Lawton, Oklahoma -- to establish a branch at 702 North 

Sheridan Road.

- Withdrawn, June 6, 2006 

Kansas City

Independent Bank of Texas, Irving, Texas -- to establish a branch at 2601 Network 

Boulevard, Suite 101, Frisco.

- Approved, June 5, 2006 

Dallas

Regions Bank, Birmingham, Alabama -- to establish a branch at 1450 Greene Street, 

Augusta, Georgia.

- Approved, June 5, 2006 

Atlanta

Regions Bank, Birmingham, Alabama -- to establish a branch at 3451 Long Prairie 

Road, Flower Mound, Texas.

- Approved, June 8, 2006 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 15753 Pines Boulevard, 

Pembroke Pines, Florida.

- Approved, June 9, 2006 

Secretary

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 100 Town Center 

Parkway, Jacksonville, Florida.

- Approved, June 9, 2006 

Secretary

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority June 4, 2006 to June 10, 2006

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 463751 State Road 200, 

Yulee, Florida.

- Approved, June 9, 2006 

Secretary

Bank Holding Companies

BancFirst Corporation, Oklahoma City, Oklahoma -- to acquire First Bartlesville 

Bank, Bartlesville.

- Approved, June 7, 2006 

Kansas City

BCB Holding Company, Inc., Theodore, Alabama -- relief from a commitment.

- Granted, June 9, 2006 

Atlanta

Citizens National Corporation, Wisner, Nebraska -- to acquire 40 percent of the 

shares of Republic Corporation, Omaha, parent of United Republic Bank, a de novo 

bank.

- Approved, June 5, 2006 

Kansas City

Coastal Bancshares Acquisition Corp, Houston, Texas -- to become a bank holding 

company and to acquire Intercontinental Bank Shares Corporation, San Antonio, 

Intercontinental Bank Shares Corporation of Delaware, Wilmington, Delaware, and 

Intercontinental National Bank, San Antonio.

- Approved, June 8, 2006 

Dallas

Dickinson Financial Corporation II, Kansas City, Missouri, and Dickinson Financial 

Corporation -- to acquire Southern Commerce Bank, Tampa, Florida.

- Approved, June 8, 2006 

Secretary

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority June 4, 2006 to June 10, 2006

Bank Holding Companies

Docking Bancshares, Inc., Arkansas City, Kansas -- waiver of application for the 

formation of Docking Merger Corporation in connection with the acquisition of 

State Financial Investments, Inc., Winfield, and its subsidiary, The State Bank, and 

subsequent acquisition of The State Bank's assets by Docking's subsidiary, The 

Union State Bank, Arkansas City.

- Granted, June 6, 2006 

Kansas City

PCNB Corp, McComb, Mississippi -- to become a bank holding company and to 

acquire Pike County National Bank.

- Withdrawn, June 6, 2006 

Atlanta

Republic Corporation, Omaha, Nebraska -- to become a bank holding company and 

to acquire United Republic Bank, a de novo bank.

- Approved, June 5, 2006 

Kansas City

Sterling Financial Corporation, Spokane, Washington -- to acquire Lynnwood 

Financial Group, Mountlake Terrace, and thereby acquire Golf Savings Bank and 

Golf Escrow Corporation and thereby engage in providing real estate settlement 

services.

- Approved, June 5, 2006 

San Francisco

Bank Mergers

The Union State Bank, Arkansas City, Kansas -- to purchase certain assets and 

assume certain liabilities of one Udall branch and three Winfield branches of The 

State Bank, Winfield.

- Approved, June 6, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority June 4, 2006 to June 10, 2006

Competitive Factors Reports

Bank of America, National Association, Charlotte, North Carolina -- report on 

competitive factors of the proposed merger with MBNA America Bank, National 

Association, Wilmington, Delaware.

- Submitted, June 9, 2006 

Richmond

Colorado East Bank & Trust, Lamar, Colorado -- report on competitive factors of 

the proposed merger with First National Bank of Tribune, Tribune, Kansas.

- Submitted, June 8, 2006 

Kansas City

First National Bank, Rancho Santa Fe, California -- report on competitive factors of 

the proposed merger with Community National Bank, Escondido.

- Submitted, June 8, 2006 

San Francisco

Heritage Bank, National Association, Phoenix, Arizona, a de novo bank -- report on 

competitive factors of the proposed purchase of two Arizona branches of 

Bridgeview Bank Group, Bridgeview, Illinois.

- Submitted, June 6, 2006 

Chicago

JPMorgan Chase Bank, National Association, Columbus, Ohio -- report on 

competitive factors of the proposed acquisition of certain assets and assumption of 

certain deposits from The Bank of New York, New York, New York.

- Submitted, June 7, 2006 

New York

PlainsCapital Bank, Lubbock, Texas -- report on competitive factors of the proposed 

merger with PlainsCapital Wealth Management, a Trust Company.

- Submitted, June 6, 2006 

Dallas

Robertson Banking Company, Demopolis, Alabama -- report on competitive factors 

of the proposed merger with Community Bank, Blountsville.

- Submitted, June 6, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority June 4, 2006 to June 10, 2006

Competitive Factors Reports

Superior Bank, Birmingham, Alabama -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of First Kensington Bank, 

Tampa, Florida.

- Submitted, June 6, 2006 

Atlanta

Valley Bank, North Mankato, Minnesota -- report on competitive factors of the 

proposed merger with Citizens State Bank of Waterville, Waterville, and Rural 

American Bank-Hector/Fairfax, Hector.

- Submitted, June 5, 2006 

Minneapolis

Vineyard Acquisition Company, Corona, California -- report on competitive factors 

of the proposed merger with Rancho Bank, San Dimas.

- Submitted, June 8, 2006 

San Francisco

Whitney National Bank, New Orleans, Louisiana -- report on competitive factors of 

the proposed merger with First National Bank & Trust, Bradenton, Florida.

- Submitted, June 6, 2006 

Atlanta

Extensions Of Time

Bank of Whitman, Colfax, Washington -- extension to June 9, 2007, to establish a 

branch at 618 West Riverside Avenue, Spokane.

- Granted, June 6, 2006 

San Francisco

Fifth Third Bank, Grand Rapids, Michigan -- extension to September 10, 2006, to 

establish a branch at 3936 West Riverside Boulevard, Rockford, Illinois.

- Granted, June 8, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority June 4, 2006 to June 10, 2006

Membership

First BankCentre, Broken Arrow, Oklahoma -- to become a member of the Federal 

Reserve System.

- Approved, June 6, 2006 

Kansas City

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

Federal Reserve Bank of Boston

Filings received during the week ending June 10, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

06/12/2006

Coastal Affiliates, MHC, Yarmouth Port,

Massachusetts to become a bank holding

company pursuant to section 3(a)(1) of the BHC

Act in connection with the reorganization of

Cape Cod Cooperative Bank, Yarmouth Port,

Massachusetts, into the mutual bank holding

company structure.

COASTAL AFFILIATES, MHC

Newspaper:

Federal Register:

* 3A1

* 3A3

06/16/2006

06/15/2006

Application by Gorham Bancorp, MHC and

Gorham Bancorp Inc., both of Gorham, Maine,

to become a mutual bank holding company and

a stock bank holding company, respectively

(collectively, the Applicants), by acquiring

Gorham Savings Bank, Gorham, Maine,

pursuant to sections 3(a)(1)and 3(a)(3)of the

Bank Holding Company Act of 1956, as

amended.

GORHAM BANCORP, INC.

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending June 10, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Banco Popular, North America, New York, 06/16/2006

New York to open a new domestic branch,

located at 1221 Brickell Avenue, Miami

(Miami-Dade County), Florida.

BANCO POPULAR NORTH

AMERICA

Newspaper:

Federal Register:

Other Foreign Not available

Not applicable

Banco Santander International, Miami, Florida,

to establish a domestic branch in Houston,

Texas, pursuant to Section 211.5(f) of

Regulation K.

BANCO SANTANDER

INTERNATIONAL

Newspaper:

Federal Register:

* 3A1 Not available

06/09/2006

Catskill Hudson Bancorp, Inc., Rockhill, New

York to acquire 100 percent of the voting shares

of Community Bank of Sullivan County, Rock

Hill, NY, pursuant to Section 3(a)(1) of the

BHC Act and Section 225.15 of Regulation Y.

CATSKILL HUDSON

BANCORP, INC

Newspaper:

Federal Register:

CIC Not available

06/09/2006

Notice of Change in Bank Control pursuant to

the Change in Bank Control Act of 1978, as

amended, by Mario and Dawn Martinez, both

of Sundown, New York, to acquire 59,035 of

the common shares of Catskill Hudson

Bancorp, Inc., Rock Hill, New York, pursuant

to a reorganization of Community Bank of

Sullivan County, Rock Hill, New York, into a

wholly-owned subsidiary of Catskill Hudson

Bancorp, Inc. As a result of this transaction,

Mario and Dawn Martinez will own 9.93% of

the outstanding shares of Catskill Hudson

Bancorp, and together with Mrs. Martinez''s

brother, Mr. G. Vurckio, who will own 2,000

shares, will control 10.27% of Catskill Hudson

Bancorp, Inc.''s outstanding shares.

CATSKILL HUDSON

BANCORP, INC

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The International Commercial Bank of China

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:

* 18C

* Branch Not applicable

Manufacturers and Traders Trust Company, 05/31/2006

Buffalo, New York, requests prior approval of

the Board of Governors of the Federal Reserve

System, to purchase selected assets and assume

selected deposit liabilities associated with 21

branches in Buffalo and Rochester, New York,

of Citibank, N.A., New York, New York,

pursuant to Section 18(c) of the Federal Deposit

Insurance Act, and in connection therewith to

establish branches, pursuant to Section 9 of the

Federal Reserve Act.

MANUFACTURERS AND

TRADERS TRUST COMPANY

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

Federal Reserve Bank of New York

Filings received during the week ending June 10, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Mizrahi Tefahot Bank Ltd. (the "Bank"),

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.

Newspaper:

Federal Register:

* 4c8 06/22/2006

06/23/2006

New York Private Bank & Trust Corporation

and its wholly owned subsidiary, Emigrant

Bancorp, Inc., both of New York, New York,

pursuant to section 4(c)(8) of the Bank Holding

Company Act of 1956, as amended, to acquire

100 percent of the voting shares of New York

Private Bank & Trust, FSB, Wilmington,

Delaware, a de novo trust-only federal savings

bank, and thereby operate a savings association,

pursuant to section 225.28(b)(4) of Regulation

Y.

NEW YORK PRIVATE BANK &

TRUST CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

06/29/2006

Westfalisch-Lippischer Sparkassen-und

Giroverband, Munster, Germany and

Rheinischer Sparkassen-und Giroverband,

Dusseldorf, Germany, to retain control of

certain non-banking subsidiaries of WestLB

AG, Dusseldorf and Munster, Germany, and

HSH Nordbank AG, Hamburg and Kiel,

Germany, and to continue to engage indirectly

in nonbanking activities, pursuant to Section

4(c)(8) of the BHC Act of 1956.

WESTFALISCH-LIPPISCHER

SPARKASSEN-UND

GIROVERBAND

* 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 June 10, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 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

* 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 June 10, 2006

Filing Type Filer Filing Proposal End of Comment Period

NONE

* 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 June 10, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

07/10/2006

Crescent Financial Corporation, Cary, North

Carolina, to acquire 100% of the voting

securities of Port City Capital Bank,

Wilmington, North Carolina.

CRESCENT 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 June 10, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 07/09/2006

07/07/2006

Adam Bank Group, Inc., Ocala, Florida, to

become a bank holding company by acquiring

at least 89 percent of the voting shares of

American Commerce Bank, Tampa, Florida (in

organization).

ADAM BANK GROUP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Southern Bank, Boca Raton, Florida, to 06/30/2006

establish a branch located at 200 South

Andrews Avenue, Unit R-B, Fort Lauderdale,

Florida, to be known as the Downtown Fort

Lauderdale Branch.

FIRST SOUTHERN BANK

Newspaper:

Federal Register:

* 3A5 Not available

07/06/2006

Riverside Banking Company, Fort Pierce,

Florida, to merge with First Community Bank

Holding Company, and thereby acquire its

subsidiary First Community Bank, both of

Debary, Florida.

RIVERSIDE BANKING

COMPANY

Newspaper:

Federal Register:

* 3A3 06/30/2006

07/07/2006

Security Bank Corporation, Macon, Georgia

(Security), and its subsidiary, SBKC Interim

Bank(Interim), to acquire 100 percent of the

outstanding shares of common stock of

Homestead Bank, Suwanee, Georgia, by

merging with and into Interim. Interim will be

a Georgia state bank and wholly owned

acquisition subsidiary of Security, which will be

formed soley to facilitate the acquisition.

Homestead is a Georgia state chartered bank

located at 1380 Peachtee Industrial Boulevard,

Suwanee, Georgia. Interim will survive the

merger and will continue to operate under the

name "Security Bank of Gwinnett County."

Security Bank of Gwinnett County will be a

separate wholly owned subsidiary of Security

after the merger.

SECURITY BANK

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

07/07/2006

Sequatchie Valley Bancshares, Inc., Dunlap,

Tennessee, to merge with F N Bancorp, Inc.,

and thereby acquire its subsidiary, First

National Bank of Tullahoma, both of

Tullahoma, Tennessee.

SEQUATCHIE VALLEY

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 June 10, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Chemical Bank, Midland, Michigan, to 06/13/2006

establish a branch facility to be located at 401

E. Main Street, Niles, Michigan.

CHEMICAL 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:

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:

* 18C Not available

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee,

Wisconsin, to purchase the assets and assume

the liabilities of three Florida branches of M&I

Bank, FSB, Las Vegas, Nevada, and thereby to

establish 3 branches.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* 3A5 Not available

07/07/2006

MB Financial, Inc., Chicago, Illinois, to merge

with First Oak Brook Bancshares, Inc., Oak

Brook, Illinois, and thereby indirectly acquire

Oak Brook Bank, Oak Brook, Illinois.

MB FINANCIAL, INC

Newspaper:

Federal Register:

* Branch

Not applicable

The Northern Trust Company, Chicago, 06/14/2006

Illinois, to establish a branch facility to be

located at 401 S. Main Street, Naperville,

Illinois.

NORTHERN TRUST

COMPANY, THE

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.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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

* 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 June 10, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Community Bank, Cabot, Arkansas, to become

a member of the Federal Reserve System.

COMMUNITY BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, Creve Coeur, Missouri, to relocate 07/13/2006

branch from 1001 Grant Ave., San Francisco,

California, to 1143 Grant Ave., San Francisco,

California.

FIRST BANK

Newspaper:

Federal Register:

* 3A3 Not available

07/07/2006

Friendship Bancshares, Inc., Meta, Missouri, to

acquire 7.47 percent of Branson Bancshares,

Inc., Branson, Missouri, and its subsidiary

bank, Branson Bank, Branson, Missouri.

FRIENDSHIP BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A5 06/23/2006

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:

* 3A5 06/23/2006

06/30/2006

Mid-Missouri Bancshares, Inc., Springfield,

Missouri, to merge with Central States

Bancshares, Inc., Springfield, Missouri, and

thereby indirectly acquire Webb City Bank,

Webb City, Missouri.

MID-MISSOURI BANCSHARES,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Patriot Bank, Millington, Tennessee, to 06/07/2006

establish a branch facility to be located on a lot

purchased in Patriot Square located near the

intersection of Munford Atoka Avenue and

Highway 51 South, Atoka, Tennessee.

PATRIOT BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Simmons First Bank of Searcy, Arkansas, to 04/17/2006

establish a branch facility to be located at 901

Pecan Street, Beebe, Arkansas, 72012.

SIMMONS FIRST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Truman Bank, St. Louis, Missouri, to establish 06/20/2006

a branch facility to be located at 8151 Clayton

Road, St. Louis, Missouri, and to relocate the

main office to be constructed at the corner of

Manchester and Hanley, Brentwood, Missouri.

TRUMAN BANK

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

1890374 FIRST SECURITY BK OF CONWAY, CONWAY, ARKANSAS 02/06/2006 05/17/2006 S Intermediate

Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending June 10, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First National Bank-West, Evanston, Wyoming,

to be known as 1st Bank, Evanston, Wyoming

to convert to a state charter and become a

member of the Federal Reserve System.

FIRST NATIONAL

BANK-WEST

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 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:

* 3A5 Not available

4c8 07/06/2006

Hunter Holding Company, Hunter, North

Dakota, to merge with Streeter Insurance

Agency, Inc., Streeter, North Dakota, and

thereby indirectly acquire State Bank of

Streeter, Streeter, North Dakota. Applicant also

proposes to engage in general insurance agency

activities in a town with a population of less

than 5,000.

HUNTER HOLDING COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

Not available

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

* 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

341851 CLINTON ST BK, CLINTON, MINNESOTA 02/27/2006 06/01/2006 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 June 10, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 06/26/2006

06/05/2006

Notice by Richard J. Watts, Ramona,

California, as an individual; and Richard J.

Watts, Ramona, California, Janice Roccoforte,

El Cajon, California, and Jack A. Roccoforte,

El Cajon, California; acting as a group in

concert; to acquire control of Ameribanc

Holdings, parent of Bank of Durango, both in

Durango, Colorado.

AMERIBANC HOLDINGS

Newspaper:

Federal Register:

CIC

Not available

Notice by John H. Fowler, Topeka, Kansas, to 05/31/2006

retain control of Burlingame Bankshares, Inc.,

parent of The First State Bank, both in

Burlingame, Kansas.

BURLINGAME BANKSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 18C

* Branch

Not available

Chickasaw Banc Holding Company, Oklahoma

City, Oklahoma, to acquire 100 percent of the

voting shares of AllNations Bancorporation,

Inc., Calumet, Oklahoma, parent of AllNations

Bank, Calumet, Oklahoma. Bank 2, Oklahoma

City, Oklahoma, to merge with AllNations

Bank, Calumet, Oklahoma, and incident

thereto, to establish a branch.

CHICKASAW BANC HOLDING

COMPANY

Newspaper:

Federal Register:

* 3A1 07/03/2006

07/03/2006

Farmers & Merchants Financial Corporation,

Ashland, Nebraska, to become a bank holding

company through the acquisition of 100 percent

of the voting shares of The Farmers and

Merchants National Bank of Ashland, Ashland,

Nebraska.

FARMERS AND MERCHANTS

FINANCIAL CORPORATION

Newspaper:

Federal Register:

CIC 06/24/2006

06/22/2006

Notice by Vernon R. Pfaff and Barbara Ann

Pfaff, as husband and wife acting in concert and

as co-trustees of the Daniel R. Burkley Trust;

and Tiffany K. Pfaff, all of Fairbury, Nebraska,

to acquire control of First National Fairbury

Corporation, parent of First National Bank of

Fairbury, both in Fairbury, Nebraska.

FIRST NATIONAL FAIRBURY

CORPORATION

Newspaper:

Federal Register:

CIC Not available

05/16/2006

Notification filed by the following, as a group

acting in concert: The Biegert Family

Irrevocable Trust, Laramie, Wyoming, its

trustees, Larry R. Cox, Henderson, Nebraska,

and Judith Ackland, Geneva, Nebraska, and

Larry R. Cox, individually; Charles Flaming,

individually, and as owner of Sadle Cattle

Company, Inc., both of Paxton, Nebraska; Alan

Janzen, Christopher Vanderneck, Matthew D.

Siebert, Fredrick Regier, Arvid Janzen, and

Brian Janzen, all of Henderson, Nebraska;

Ronald Preheim, Aurora, Nebraska; Jeff

Pribbeno, Imperial, Nebraska; and Wesley

Kroeker, Enid, Oklahoma; to acquire control of

Henderson State Company, Henderson,

Nebraska, parent of Henderson State Bank,

Henderson, Nebraska.

HENDERSON STATE

COMPANY

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

Federal Reserve Bank of Kansas City

Filings received during the week ending June 10, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Spearville Bancshares, Inc., Spearville, Kansas,

to become a bank holding company through the

acquisition of 100 percent of the voting shares

of First National Bank of Spearville, Spearville,

Kansas.

SPEARVILLE BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A3

Member

07/07/2006

07/07/2006

United Bancorporation of Wyoming, Inc.,

Jackson, Wyoming, to acquire 100 percent of

the voting shares of United Bank of Idaho,

Driggs, Idaho, a de novo bank. United Bank of

Idaho, Driggs, Idaho, to become a member of

the Federal Reserve System.

UNITED BANCORPORATION

OF WYOMING, INC.

Newspaper:

Federal Register:

CIC 05/10/2006

05/11/2006

Notification by Paul C. Bauman and Emily A.

Bauman, both of Tulsa, Oklahoma; and Henry

C. Bauman, III, Tyler, Texas, to acquire control

of United Capital Bancshares, Inc., Wyandotte,

Oklahoma, parent of Bank of Wyandotte,

Wyandotte, Oklahoma.

UNITED CAPITAL

BANCSHARES, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Valliance Financial Corp, Oklahoma City,

Oklahoma, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of Valliance Bank, N.A.,

Oklahoma City, Oklahoma.

VALLIANCE FINANCIAL

CORP.

* 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

183154 FIRST ST BK, FAIRFAX, OKLAHOMA 02/27/2006 05/26/2006 S Small Bank

797159 HOME ST BK, ERIE, KANSAS 02/27/2006 05/26/2006 S Small Bank

391557 LAKESIDE BK OF SALINA, SALINA, OKLAHOMA 02/21/2006 05/18/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Filings received during the week ending June 10, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

PlainsCapital Bank, Lubbock, Texas, to 06/16/2006

establish a branch to be located at 1001 Santa

Fe Drive, Weatherford, Texas 76086.

PLAINSCAPITAL BANK

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending June 10, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

06/30/2006

Orange Community Bancorp to become a bank

holding company by acquiring 100 percent of

Orange Community Bank, both of Orange,

California.

ORANGE COMMUNITY

BANCORP

Newspaper:

Federal Register:

* 3A1 06/10/2006

06/09/2006

San Joaquin Bancorp to become a bank holding

company by acquiring 100 percent of San

Joaquin Bank, both of Bakersfield, California.

SAN JOAQUIN BANCORP

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act