Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 50

Week Ending December 16, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 10, 2006 to December 16, 2006

Bank Holding Companies

Citizens Banking Corporation, Flint, Michigan -- to acquire Republic Bancorp Inc., 

Owosso, and Republic Bank, Lansing.

- Approved, December 11, 2006 

Board Operations

Division of Banking Supervision and Regulation -- reorganization into three 

primary areas and appointment of Deborah Bailey, Peter Purcell, and Steve Roberts 

as Deputy Directors to oversee those areas.

- Approved, December 11, 2006 

Currency

Federal Reserve Notes -- new currency budget for 2007.

- Approved, December 14, 2006 

Forms

Forms -- final Board review to extend with revision the Report of Changes in 

Organizational Structure (FR Y-10), Report of Changes in FBO Organizational 

Structure (FR Y-10F), Supplement to the Report of Changes in Organizational 

Structure (FR Y-10S), Notification of Foreign Branch Status (FR 2058), Annual 

Report of Bank Holding Companies (FR Y-6), and Annual Report of Foreign 

Banking Organizations (FR Y-7); to extend without revision the Consolidated Bank 

Holding Company Report of Equity Investments in Nonfinancial Companies (FR Y12); and to implement the Annual Report of Merchant Banking Investments Held 

for an Extended Period (FR Y-12A).

- Approved, December 14, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
December 10, 2006 to December 16, 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

CapitalSouth Bank, Birmingham, Alabama -- to establish a branch at 53 Hughes 

Road, Madison.

- Approved, December 13, 2006 

Atlanta

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 13805 Nine 

Eagles Drive, Tampa, Florida.

- Approved, December 15, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 8259 Clarcona 

Ocoee Road, Orlando, Florida.

- Approved, December 15, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2631 Muegge 

Road, Saint Charles, Missouri.

- Approved, December 15, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1305 Triad 

Center Drive, Saint Peters, Missouri.

- Approved, December 15, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1301 

Doughtery Ferry Road, St. Louis, Missouri.

- Approved, December 15, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 5959 East 71st 

Street, Indianapolis, Indiana.

- Approved, December 15, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority December 10, 2006 to December 16, 2006

Bank Branches, Domestic

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 421 East 

Route 173, Antioch, Illinois.

- Approved, December 15, 2006 

Cleveland

IBERIABANK, Lafayette, Louisiana -- to establish a branch at Camellia Boulevard 

and West Kaliste Saloom Road.

- Approved, December 14, 2006 

Atlanta

Middleburg Bank, Middleburg, Virginia -- to establish a branch at 8383 West Main 

Street, Marshall.

- Approved, December 13, 2006 

Richmond

Bank Holding Companies

B & E Investments Inc., Bloomer, Wisconsin, and B & E Investments, Inc. (State 

Bank of Arcadia) Employee Stock Ownership Plan & Trust, Arcadia -- to acquire 

John O. Melby & Co. Bank, Whitehall.

- Approved, December 13, 2006 

Minneapolis

Capitol Bancorp Ltd., Lansing, Michigan, and Capitol Development Bancorp 

Limited VI -- to acquire 51 percent of the shares of Larimer Commerce Bank, Fort 

Collins, Colorado, a de novo bank; and for Capitol Bancorp Colorado Limited II, 

Lansing, Michigan, to become a bank holding company and to acquire 51 percent of 

the shares of Larimer Commerce Bank, Fort Collins, Colorado.

- Approved, December 13, 2006 

Chicago

Community Bancshares of Kansas, Inc., Goff, Kansas -- to become a bank holding 

company and to acquire Nemaha Investment Company, Inc., Merriam, parent of 

First State Bank of Goff, Goff.

- Approved, December 11, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority December 10, 2006 to December 16, 2006

Bank Holding Companies

First Banks, Inc., Hazelwood, Missouri -- to acquire an additional 4.09 percent, for 

a total of 24.99 percent, of Community West Bancshares, Goleta, California, and 

thereby acquire Community West Bank, National Association.

- Approved, December 12, 2006 

St. Louis

First Corbin Bancorp, Inc., Corbin, Kentucky -- to acquire Boone National Bank, 

Burlington; Tri-County Bancorp, Inc., Corbin; Tri-County National Bank; Laurel 

Bancorp, Inc.; Laurel National Bank, London; Williamsburg Bancorp, Inc., Corbin; 

Williamsburg National Bank, Williamsburg; Campbellsville Bancorp, Inc., Corbin; 

Campbellsville National Bank, Campbellsville; PRP Bancorp, Inc., Corbin; PRP 

National Bank, Pleasure Ridge Park; Somerset Bancorp, Inc., Corbin; Somerset 

National Bank, Somerset; Green County Bancshares, Inc., Corbin; and Deposit 

Bank & Trust, Greensburg.

- Approved, December 14, 2006 

Cleveland

First State Bank of Uvalde, Uvalde, Texas -- waiver of application to become a 

bank holding company in connection with the acquisition of Bank of Frio Canyon, 

Leakey.

- Granted, December 14, 2006 

Dallas

FNBC Financial Corporation, Crestview, Florida -- to become a bank holding 

company and to acquire First National Bank of Crestview.

- Approved, December 14, 2006 

Atlanta

Franklin Bancorp, Inc., dba Sunrise Community Banks, St. Paul, Minnesota -- to 

acquire University Financial Corp., and thereby acquire University National Bank.

- Approved, December 11, 2006 

Minneapolis

Glenville Bank Holding Company, Inc., Scotia, New York -- to acquire First 

National Bank of Scotia.

- Approved, December 14, 2006 

New York

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority December 10, 2006 to December 16, 2006

Bank Holding Companies

HNB Bancorp, Inc., Halifax, Pennsylvania -- to become bank holding company and 

to acquire Halifax National Bank.

- Withdrawn, December 11, 2006 

Philadelphia

Ironhorse Financial Group, Inc., Norman, Oklahoma -- to become a bank holding 

company and to acquire Republic Bank &Trust, and to acquire Armstrong 

Bancshares, Inc., Muskogee, and Armstrong Bank.

- Approved, December 12, 2006 

Kansas City

Manufacturers and Traders Trust Company, Buffalo, New York -- to merge with 

M&T New Jersey Interim Bank, Palisades Park, New Jersey, and thereby establish 

a branch; and waiver of application for M&T Bank Corporation, Buffalo, New 

York, in connection with this merger.

- Approved, December 13, 2006 

New York

Pacific Business Bancorp, Irvine, California -- to become a bank holding company 

and to acquire Pacific Business Bank, a de novo bank, and for Pacific Business 

Bank to become a member of the Federal Reserve System.

- Approved, December 15, 2006 

San Francisco

Palmetto State Bankshares, Inc., Hampton, South Carolina -- to acquire The 

Exchange Bankshares, Inc., Estill, The Exchange Bank, and Carolina Commercial 

Bank, Allendale.

- Approved, December 11, 2006 

Richmond

Whitney Holding Corporation, New Orleans, Louisiana -- to merge with Signature 

Financial Holdings, Inc., St. Petersburg, Florida, and thereby acquire Signature 

Bank.

- Approved, December 15, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority December 10, 2006 to December 16, 2006

Bank Mergers

First American Bank, Fort Dodge, Iowa -- to merge with First American Bank, N.A. 

Naples, Florida, and thereby establish branches.

- Approved, December 13, 2006 

Chicago

Mainstreet Bank, Ashland, Missouri -- to purchase the assets and assume the 

liabilities of the Prairie Home branch of Citizens Bank & Trust Company, 

Chillicothe.

- Approved, December 13, 2006 

St. Louis

Peoples, Inc., Colorado Springs, Colorado -- to engage in mortgage lending 

activities through the acquisition of a 60 percent interest in Oread Mortgage, 

L.L.C., Lawrence, Kansas, by Peoples Bank.

- Approved, December 11, 2006 

Kansas City

Banks, Foreign

Banco Santander International, Miami, Florida -- to amend its articles of association 

to increase capital stock.

- Approved, December 11, 2006 

New York

Change In Bank Control

Columbia Bancorp, Inc., Cincinnati, Ohio -- change in bank control.

- Permitted, December 14, 2006 

Cleveland

Community Bancshares, Inc., Irvington, Illinois -- change in bank control.

- Permitted, December 14, 2006 

St. Louis

Full Service Insurance Agency, Inc., Buxton, North Dakota -- change in bank 

control.

- Permitted, December 11, 2006 

Minneapolis

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority December 10, 2006 to December 16, 2006

Change In Bank Control

Mount Sterling Bancorp, Inc., Mount Sterling, Illinois -- change in bank control.

- Permitted, December 11, 2006 

St. Louis

Extensions Of Time

Bank of Little Rock, Little Rock, Arkansas -- extension to April 11, 2007, to 

establish a branch at 1201 Rahling Road. 

- Granted, December 12, 2006 

St. Louis

Castle Creek Capital Partners III, L.P., Rancho Santa Fe, California -- extension to 

March 29, 2007, for The BANKshares, Inc., Rancho Santa Fe, to become a bank 

holding company and to acquire The BANKshares, Inc., Melbourne, Florida, and 

The Bank Brevard; and for Castle Creek Capital Partners III, L.P., Rancho Santa Fe, 

California; Castle Creek Capital III, LLC; Eggemeyer Capital, LLC; Ruh Capital, 

LLC; and Legions IV Advisory Corp. to acquire 91 percent of The BANKshares, 

Inc., Melbourne, Florida, and thereby acquire The Bank Brevard.

- Granted, December 11, 2006 

San Francisco

F. & M. Bancorp. of Tomah, Inc., Tomah, Wisconsin -- extension to March 22, 

2007, to purchase loans originated by Farmers & Merchants Bank and thereby 

engage in extending credit and servicing loans.

- Granted, December 13, 2006 

Chicago

First National Bank Group, Inc., Edinburg, Texas -- extension to March 11, 2007, to 

acquire 9.90 percent of Southside Bancshares, Inc., Tyler, and thereby acquire 

Southside Delaware Financial Corporation, Dover, Delaware, and Southside Bank, 

Tyler, Texas.

- Granted, December 11, 2006 

Dallas

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority December 10, 2006 to December 16, 2006

Extensions Of Time

Great American Bank, De Soto, Kansas -- extension to January 12, 2007, to 

establish branches at the intersections of Barry Road and Green Hills Road, Kansas 

City, Missouri, and Dean Avenue and Highway 58, Raymore.

- Granted, December 13, 2006 

Kansas City

Industry Bancshares, Inc., Industry, Texas, and Industry Holdings, Inc., 

Wilmington, Delaware -- extension to March 20, 2007, to acquire Community 

Bancorporation, Inc., Bellville, and thereby acquire Bellville Holdings, Inc., 

Wilmington, Delaware, and First National Bank of Bellville, Bellville, Texas.

- Granted, December 14, 2006 

Dallas

Financial Holding Companies

COMMFirst Bancorporation, Inc., South Sioux City, Nebraska -- election to 

become a financial holding company.

- Effective, December 14, 2006 

Kansas City

First Community Bancshares, Inc., Bluefield, Virginia -- election to become a 

financial holding company.

- Effective, December 15, 2006 

Richmond

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

Bancorp, Inc. -- election to become financial holding companies.

- Effective, December 14, 2006 

New York

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority December 10, 2006 to December 16, 2006

International Operations

The Bank of New York, New York, New York -- waiver of remainder of 

notification period for BNY International Financing Corporation to invest through 

BNY Holdings (UK) Limited, London, United Kingdom, in AIB/BNY Securities 

Services (Ireland) Limited, Dublin, Ireland; and for BNY International Financing 

Corporation to engage in mutual fund administration through AIB/BNY Securities 

Services (Ireland) Limited.

- Granted, December 15, 2006 

Director, BS&R

Membership

Nebraska Bankers' Bank, National Association, Lincoln, Nebraska -- to retain 

membership in the Federal Reserve System on conversion from a national to a state 

charter.

- Approved, December 12, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 8 of 8
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending December 16, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 01/05/2007

Application by 1895 MHC and 1895 Corp.,

both of Worcester, Massachusetts, to become a

mutual bank holding company and stock bank

holding company, respectively, by acquiring

Bay State Savings Bank, Worcester,

Massachusetts, pursuant to sections 3(a)(1) and

3(a)(3) of the Bank Holding Company Act of

1956, as amended.

1895 MHC

Newspaper:

Federal Register:

* 3A3 Not available

01/05/2007

Danvers Bancorp, Inc., Danvers,

Massachusetts to acquire BankMalden, A

Co-operative Bank, Malden, Massachusetts

pursuant to section 3(a)(3) of the BHC Act.

DANVERS 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

563907 UNION TC, ELLSWORTH, MAINE 07/31/2006 11/24/2006 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending December 16, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending December 16, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Susquehanna Patriot Bank, Marlton, NJ, to 12/24/2006

establish a branch office located at 2nd

Avenue, Route 29, Collegeville, PA.

SUSQUEHANNA PATRIOT

BANK

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending December 16, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 12/02/2006

establish a branch at 421 East Route 173,

Antioch, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 12/02/2006

establish a branch at 5959 East 71st Street,

Indianapolis, IN.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 12/02/2006

establish a branch at 8259 Clarcona Ocoee

Road, Orlando, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 12/02/2006

establish a branch at 13805 Nine Eagles Drive,

Tampa, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 12/02/2006

establish a branch at 2631 Muegge Road, St.

Charles, MO.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 12/02/2006

establish a branch at 1305 Triad Center Drive,

St. Peters, MO.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 12/02/2006

establish a branch at 1301 Doughtery Ferry

Road, St. Louis, MO.

FIFTH THIRD BANK

Newspaper:

Federal Register:

CIC 12/03/2006

12/05/2006

Notice of Change in Bank Control on behalf of

Mr Thurman Mathews and Mrs Rose Marie

Mathews. The Mathews' became the single

largest shareholder group owning in excess of

10% of Ohio State Bancshares, Inc, Marion,

Ohio.

Notice of Change in Bank Control on behalf of

Mr Thurman Mathews and Mrs Rose Marie

Mathews. The Mathews' became the single

largest shareholder group owning in excess of

10% of Ohio State Bancshares, Inc, Marion,

Ohio.

OHIO STATE BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A5 Not available

12/26/2006

PNC Financial Services Group, Inc.,

Pittsburgh, Pennsylvania, to acquire 100

percent of Mercantile Bankshares Corporation,

Baltimore,Maryland, and thereby indirectly

acquire Marshall National Bank and Trust

Company, Marshall, Virginia, The National

Bank of Fredricksburg, Fredricksburg,

Virginia, The Annapolis Banking and Trust

Company, Annapolis, Maryland, Mercantile

Eastern Shore Bank, Kent, Maryland,

Westminster Union Bank, Carroll, Maryland,

Mercantile County Bank, Cecil, Maryland,

Mercantile Southern Maryland Bank,

Leonardtown, Maryland, The Citizens

National Bank, Laurel, Maryland, Mercantile

Peninsula Bank, Selbyville, Delaware, Farmers

& Mechanics Bank, Frederick, Maryland, and

Mercantile-Safe Deposit and Trust Company,

Baltimore, Maryland.

PNC FINANCIAL SERVICES

GROUP, INC., 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 December 16, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Dr. Terry Collins, Springfield, Virginia; Mr.

Norman Horn, Oakton, Virginia; Mr. David

Karlgaard, Fairfax, Virginia; Mr. Richard

Litman, Fairfax Station; Mr. Alvin Nashman,

Falls Church, Virginia; Mr. Russell Sherman,

Fairfax, Virginia; and Ategra Community

Financial Institution Fund, LP, Vienna,

Virginia, acting as a group to purchase up to

19.03% of the voting securities of The

Freedom Bank of Virginia, Vienna, Virginia.

FREEDOM BANK OF

VIRGINIA, THE

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Raleigh, North Carolina, 12/24/2006

to establish a branch at 3685 Dallas Highway,

Marietta, Georgia.

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Raleigh, North Carolina, 12/24/2006

to establish a branch at 293 Pharr Road,

Atlanta, Georgia.

RBC CENTURA BANK

Newspaper:

Federal Register:

FBSEA

Not applicable

Royal Bank of Canada, Montreal, Canada, to 01/07/2007

establish a state-licensed agency in Houston,

Texas.

ROYAL BANK OF CANADA

Newspaper:

Federal Register:

* 3A3 Not available

* 18C

* Branch

Not available

Sandy Spring Bancorp, Inc., Olney, Maryland,

to acquire 100% of the voting securities of

Potomac Bank of Virginia, Fairfax, Virginia.

SANDY SPRING BANCORP,

INC.

* 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 December 16, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/08/2007

01/05/2007

Atlantic Southern Financial Group, Inc.,

Macon, Georgia, to acquire 100 percent of the

outstanding shares of First Community Bank of

Georgia, Roberta, Georgia.

ATLANTIC SOUTHERN

FINANCIAL GROUP, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caixa de Aforros de Vigo, Ourense e

Pontevedra, Vigo, Spain, to convert an

international agency to a branch office in

Miami, Florida.

CAIXA DE AFORROS DE

VIGO, OURENSE E

PONTEVEDRA

Newspaper:

Federal Register:

FBSEA

Not applicable

Caja de Ahorros de Valencia, Castellon y 01/06/2007

Alicante (Bancaja), Valencia, Spain, to convert

an international agency to a branch office in

Miami, Florida.

CAJA DE AHORROS DE

VALENCIA, CASTELLON Y

ALICANTE, BANCAJA

Newspaper:

Federal Register:

* 3A3 Not available

01/08/2007

InsCorp, Inc., Nashville, Tennessee, to acquire

50 percent of the outstanding shares of

Insurors Bank of Tennessee, Nashville,

Tennessee. Total ownership will be 100

percent.

INSCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Sun American Bank, Boca Raton, Florida 12/24/2006

(formerly Pan American Bank), to establish a

branch located at 350 SE 2nd Street, Fort

Lauderdale, Florida, to be known as the Las

Olas Branch.

SUN AMERICAN BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Sun American Bank, Boca Raton, Florida 12/21/2006

(formerly Pan American Bank), to establish

branches at the following locations: 2160 W.

Atlantic Avenue, Delary Beach, Florida, to be

known as the West Delray Branch; and 11381

Prosperity Farms Road, Palm Beach Gardens,

Florida, located in Prosperity Oaks, an assisted

living facility, to be known as the Prosperity

Oaks Branch.

SUN AMERICAN BANK

Newspaper:

Federal Register:

* 3A1 01/14/2007

01/11/2007

USAmeriBancorp, Inc., Largo, Florida, to

become a bank holding company by acquiring

100 percent of the outstanding shares of

USAmeriBank, Largo, Florida (in

organization).

USAMERIBANCORP, 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

479839 TENNESSEE ST BK, PIGEON FORGE, TENNESSEE 08/28/2006 12/07/2006 S Large Bank

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 December 16, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 8830 Spring

Cypress Road, Spring, Harris County, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 1412 N.

Rochester Road, Rochester Hills, Oakland

County, Michigan.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 25950 Pontiac

Trail, South Lyon, Oakland County, Michigan.

COMERICA BANK

Newspaper:

Federal Register:

CIC Not available

12/27/2006

Notice by Geffrey A. Sawtelle, Neshkoro,

Wisconsin, to acquire greater than 25 percent

of the common stock of FEB Bancshares, Inc.,

Neshkoro, Wisconsin, and thereby indirectly

acquire Farmers Exchange Bank, Neshkoro,

Wisconsin.

FEB BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

Not available

First Busey Corporation, Urbana, Illinois, to

merge with Main Street Trust, Inc.,

Champaign, Illinois, and thereby indirectly

acquire Main Street Bank & Trust,

Champaign, Illinois.

FIRST BUSEY CORPORATION

Newspaper:

Federal Register:

* 3A3 12/31/2006

12/29/2006

Greene Investment Co., Jefferson, Iowa, to

acquire 100 percent of Dunlap Corporation,

Slater, Iowa, and thereby indirectly acquire

South Story Bank & Trust, Slater, Iowa.

GREENE INVESTMENT CO.

Newspaper:

Federal Register:

* 4c8 Not available

01/12/2007

Heartland Bancorp, Inc., Bloomington,

Illinois, to acquire 100 percent of the voting

shares of First Federal Bancshares, Inc.,

Colchester, Illinois, and thereby indirectly

acquire First Federal Bank, Colchester,

Illinois, and thereby operate a savings

association.

HEARTLAND BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

01/02/2007

P/R Bancorp, Spartanburg, Indiana, to become

a bank holding company by acquiring 100

percent of the voting shares of Greensfork

Township State Bank, Spartanburg, Indiana.

P/R BANCORP

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by Thomas M. Marcuccilli and

James C. Marcuccilli, both of Fort Wayne,

Indiana and their immediate families to retain

control of 18.5 percent of the outstanding

shares of STAR Financial Group, Inc., Fort

Wayne, Indiana, and indirectly STAR

Financial Bank, Fort Wayne, Indiana.

STAR FINANCIAL GROUP,

INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

2235244 BANK IA, ALTOONA, IOWA 08/07/2006 12/04/2006 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 December 16, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/15/2007

01/12/2007

First American Financial Holdings, Inc.,

Nashville, Tennessee, to become a bank

holding company by acquiring 100 percent of

Planters Bank of Tennessee, Maury City,

Tennessee.

FIRST AMERICAN FINANCIAL

HOLDINGS, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, St. Louis, Missouri, to establish a 12/29/2006

branch facility to be located at 20 N. Clark,

Suite 100, Chicago, Illinois.

FIRST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, St. Louis, Missouri, to establish a 12/29/2006

branch facility to be located at 200 Mattes

Avenue, Vandalia, Illinois.

FIRST BANK

Newspaper:

Federal Register:

* 3A3 01/18/2007

01/16/2007

First Banks, Inc., Hazelwood, Missouri, and its

subsidiary bank holding company, The San

Francisco Company, St. Louis, Missouri, to

acquire 100 percent of Royal Oaks Bancshares,

Inc., Houston, Texas, and thereby indirectly

acquire Royal Oaks Bank, SSB, Houston,

Texas.

FIRST BANKS, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending December 16, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/08/2007

First National Financial Services, Inc., Elk

River, Minnesota to acquire 100 percent of

Maple Lake Bancorporation, Edina, Minnesota

and thereby indirectly acquire Security State

Bank of Maple Lake, Maple Lake, Minnesota.

FIRST NATIONAL FINANCIAL

SERVICES INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Security Bank of Missoula, Missoula,

Montana, to merge with Citizens State Bank of

Hamilton, Hamilton, Montana and incident

thereto proposes to establish branches at 100

Main Street, Hamilton, Montana, and 297

Woodside Cutoff Road, Corvallis, Montana.

FIRST SECURITY BANK OF

MISSOULA

Newspaper:

Federal Register:

* 3A3 Not available

Not available

First Sleepy Eye Bancorporation, Inc., Sioux

Falls, South Dakota to acquire 100 percent of

Lake Benton Bancorporation, Inc., Sioux Falls,

South Dakota and thereby indirectly acquire

First Security Bank-Lake Benton, Lake

Benton, Minnesota.

FIRST SLEEPY EYE

BANCORPORATION, INC.

Newspaper:

Federal Register:

4c8 Not applicable

01/02/2007

Retroactive notice by Full Service Insurance

Agency, Inc. Buxton, North Dakota, to engage,

de novo, in the activity of making loans and

holding notes pursuant to Section 225.28(b)(1)

of Regulation Y.

FULL SERVICE INSURANCE

AGENCY, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Glacier Bank, Kalispell, Montana to merge 12/13/2006

with First Citizens Bank, N.A., Columbia

Falls, Montana and incident thereto proposes

to establish branches at 540 Nucleus, Columbia

Falls, Montana and 490 Reserve Drive,

Kalispell, Montana.

GLACIER BANK

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending December 16, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 12/27/2006

12/20/2006

Notice by Walter G. Fries, Wabasha,

Minnesota; Raymond B. Pinson, Del Ray

Beach, Florida; Kenneth D. Myers, Apple

Valley, Minnesota; GLA Investments, L.L.C.,

Lakeville, Minnesota, Gary Anderson as

general partner; AMSIE Enterprise, LLC,

Minnetonka, Minnesota, Donald Eisma as

general partner; Nancy Ludwig and Francis N.

Ludwig, Apple Valley, Minnesota; Richard B.

Lambert, Jr., Apple Valley, Minnesota; Russell

S. Sampson, Prior Lake, Minnesota; Curtis A.

Sampson, Hector, Minnesota; Craig Potts,

Henderson, Nevada; Brett D. Reese,

Northfield, Minnesota; S & L Investments,

LLP, Bloomington, Minnesota, David Stueve

as general partner; Savage Capitalists, LLP,

Bloomington, Minnesota, David Stueve as

general partner; Pershing LLC FBO Richard

D. Estenson IRA, Northfield, Minnesota;

Charles and Cindy Beske, Lakeville,

Minnesota; Brian Bauer, Garvin, Minnesota;

and Severson Family Limited Partnership,

Lakeville, Minnesota, Larry Severson as

general partner, acting as a group in concert to

gain control of L&M Bancshares, Inc.,

Shakopee, Minnesota, and thereby indirectly

gain control of Northwest Community Bank,

Champlin, Minnesota.

L & M BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Harley Allen Hanson, Mahnomen,

Minnesota, to gain control of Mahnomen

Bancshares, Inc., Mahnomen, Minnesota, and

thereby indirectly gain control of First National

Bank in Mahnomen, Mahnomen, Minnesota.

MAHNOMEN BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A1 01/06/2007

01/02/2007

Platinum Bancorp, Inc., Oakdale, Minnesota,

to become a bank holding company by

acquiring 100 percent of the capital stock of

Platinum Bank, Oakdale, Minnesota, a de novo

bank.

Platinum Bancorp, Inc.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Western Security Bank, Billings, Montana, to 12/13/2006

merge with First Citizens Bank of Billings,

Billings, Montana and incident thereto

proposes to establish five branches.

WESTERN SECURITY BANK

* 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 December 16, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Premises Not applicable

Ameristate Bank, Atoka, Oklahoma, to

establish a branch to be located at 2009

Independence, Sherman, Texas, and to

increase its investment in bank premises in the

amount of $650,000.

AMERISTATE BANK

Newspaper:

Federal Register:

* 3A3 Not available

01/12/2007

Blue Valley Ban Corp., to acquire 100 percent

of the voting shares of Unison Bancorp, Inc.,

parent Western National Bank, both of Lenexa,

Kansas.

BLUE VALLEY BAN CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

First Community Bank, Taos, New Mexico, to 12/22/2006

establish branches at 1838 W. Parkside Lane,

Suite 115 and at 2 North Central, Suite 120,

both in Phoenix, Arizona.

FIRST COMMUNITY BANK

Newspaper:

Federal Register:

* 3A3 Not available

12/29/2006

First Independent Bancorp, Inc., Chickasha,

Oklahoma, to acquire 100 percent of the voting

shares of Cyril State Bank, Cyril, Oklahoma.

FIRST INDEPENDENT

BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 18C

* Branch

01/05/2007

First State Bancorporation, Albuquerque, New

Mexico, to acquire 100 percent of the voting

shares of Front Range Capital Corporation,

parent of Heritage Bank, both in Louisville,

Colorado. First Community Bank, Taos, New

Mexico, to merge with Heritage Bank,

Louisville, Colorado, and incident thereto, to

establish thirteen branches at 2775 Pearl Street

and 1900 Ninth Street, both in Boulder; 811

South Public Road and 2695 North Park Drive,

Suite 101, both in Lafayette; 1543 Wazee

Street and 3850 York Street, both in Denver;

1020 Century Drive and 801 Main Street, both

in Louisville; Erie, Broomfield, Longmont,

Niwot, and Firestone, all in Colorado.

FIRST STATE

BANCORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

12/29/2006

Mackey Banco, Inc., to engage in general

insurance activities through the acquisition of

Ansley Agency, Inc., both in Ansley, Nebraska.

MACKEY BANCO, INC.

Newspaper:

Federal Register:

CIC Not available

12/28/2006

Notification by Raymond E. Wooldridge,

Dallas, Texas, to acquire control of Reeves

Bancshares, Inc., Gould, Oklahoma, parent of

Stockmans Bank, Altus, Oklahoma.

REEVES BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 12/26/2006

12/22/2006

Notification by Thomas G. Damkroger, Firth,

Nebraska, and John H. Bergmeyer, Lincoln,

Nebraska, as trustees of the Wilber Co. Voting

Trust, to acquire control of Wilber Co., Wilber,

Nebraska, parent of First State Bank, Lincoln,

Nebraska and Saline State Bank, Wilber,

Nebraska.

WILBER CO.

* 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

647759 FARMERS ST BK, QUINTON, OKLAHOMA 08/14/2006 11/16/2006 S Small Bank

554857 FIVE POINTS BK, GRAND ISLAND, NEBRASKA 08/14/2006 11/21/2006 S Int Sm Bank

177957 PEOPLES BK, LAWRENCE, KANSAS 08/14/2006 11/28/2006 S Int Sm 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 December 16, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/03/2007

Notice filed by The J.C. Gray Trust and Johnny

C. Gray, as trustee, both of Artesia, New

Mexico, and The T.L. Chandler Trust and

Terry L. Chandler, as trustee, both of Carlsbad,

New Mexico, to increase their ownership and

control, from 7.04 percent to 42.74 percent, of

First Artesia Bancshares, Inc., Artesia, New

Mexico, and indirectly The First National

Bank, Artesia, New Mexico.

FIRST ARTESIA

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

884358 FIRST ST BK, LIVINGSTON, TEXAS 09/11/2006 12/08/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending December 16, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Utah Bank, Salt Lake City, Utah, to 10/25/2006

establish a branch office at 3123 South

Redwood Road, West Valley City, Utah.

Branch will open temporarily at 3197 South

Redwood Road, approximately 1/2 block away,

while construction of the permanent facility it

completed.

FIRST UTAH BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Franklin Resources, Inc., San Mateo,

California, to retain control of 24.4 percent of

First Chicago Bancorp, Chicago, Illinois.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Hanmi Bank, Los Angeles, California, to 12/22/2006

establish a branch facility at 9759 Baseline

Road, Rancho Cucamonga, California.

HANMI BANK

Newspaper:

Federal Register:

CIC Not available

01/03/2007

Notice by Stuart J. Shelk, Jr., Linda S. Shelk,

Clark J. Shelk Trust UA, Anne Marie Shelk

Trust UA, and John B. Shelk Trust UA, Powell

Butte, Oregon, to increase their ownership to

10.58 percent, collectively, in Prineville

Bancorporation and thereby indirectly control

its subsidiary, Community First Bank, both of

Prineville, Oregon.

PRINEVILLE

BANCORPORATION

* 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