Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 10

Week Ending March 11, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions March 5, 2006 to March 11, 2006

Bank Branches, Domestic

Whitney Holding Corporation, New Orleans, Louisiana -- to acquire First National 

Bancshares, Inc., Bradenton, Florida, and 1st National Bank & Trust.

- Approved, March 7, 2006 

Bank Holding Companies

Compass Bancshares, Inc., Birmingham, Alabama -- to acquire TexasBanc Holding 

Co., Weatherford, Texas, and TexasBank, Fort Worth; and for Compass 

Bancshares' subsidiary, Compass Bank, Birmingham, to merge with and retain the 

branches of TexasBank.

- Approved, March 6, 2006 

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to acquire Trustcorp 

Financial, Inc., St. Louis, Missouri, and its subsidiary, Missouri State Bank and 

Trust Company, Clayton.

- Approved, March 10, 2006 

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to acquire Gold Banc 

Corporation, Inc., Leawood, Kansas, and its subsidiary, Gold Bank; and for 

Marshall & Ilsley Corporation's subsidiary, M&I Marshall & Ilsley Bank, 

Milwaukee, to merge with Gold Bank and establish branches at its existing 

locations.

- Approved, March 10, 2006 

Banks, Foreign

Bank Hapoalim, B.M., Tel Aviv, Israel, Arison Holdings (1998) Ltd., and Israel 

Salt Industries Ltd., Atlit -- to acquire Investec (US) Incorporated, New York, New 

York, and engage in investment activities in the United States.

- Approved, March 6, 2006 

Banks, National

Alabama Bankers Bank, N.A., Birmingham, Alabama -- to act as a pass-through 

correspondent for nonmember depository institutions and maintain reserves at the 

Federal Reserve Bank of Atlanta.

- Approved, February 22, 2006 (AC)

(AC) = Addition or Correction Board - Page 1 of 2
H.2 Board Actions March 5, 2006 to March 11, 2006

Regulations And Policies

Commercial Real Estate and Risk-Management Practices -- extension to April 13, 

2006, of the comment period on the proposed Interagency Guidance on 

Concentrations in Commercial Real Estate and Sound Risk-Management Practices.

- Announced, March 9, 2006 

Enforcement

Asian Financial Corporation, Philadelphia, Pennsylvania, and Asian Bank -- 

issuance of a consent cease and desist order.

- Announced, March 8, 2006 

New Asia Bank, Chicago, Illinois -- written agreement dated May 21, 2003, 

terminated February 27, 2006.

- Announced, March 7, 2006 

(AC) = Addition or Correction Board - Page 2 of 2
March 5, 2006 to March 11, 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

The Bank at Broadmoor, Colorado Springs, Colorado -- to establish a branch at 

3216 West Colorado Avenue and to increase its investment in bank premises.

- Approved, March 10, 2006 

Kansas City

Bank of Jackson Hole, Jackson, Wyoming -- to establish a branch at 807 West Pine 

Street, Pinedale.

- Approved, March 9, 2006 

Kansas City

Bank of Smithtown, Smithtown, New York -- to establish a branch at 465 

Smithtown Boulevard, Nesconset.

- Approved, March 10, 2006 

New York

Bank of Smithtown, Smithtown, New York -- to establish a branch at 4032 

Nesconset Highway, Setauket.

- Approved, March 10, 2006 

New York

The Marathon Bank, Winchester, Virginia -- to establish a branch at 33604 Old 

Valley Pike, Strasburg.

- Approved, March 7, 2006 

Richmond

Midwest Bank and Trust Company, Elmwood Park, Illinois -- to establish a branch 

at 9668 Franklin Avenue, Franklin Park.

- Approved, March 9, 2006 

Chicago

Sandy Spring Bank, Olney, Maryland -- to establish a branch at 6550 Mercantile 

Drive East, Frederick.

- Approved, March 9, 2006 

Secretary

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority March 5, 2006 to March 11, 2006

Bank Branches, Domestic

Valley Bank of Ronan, Ronan, Montana -- to establish a branch at 146 South Shore 

Route, Polson.

- Approved, March 10, 2006 

Minneapolis

Bank Holding Companies

AmericanWest Bancorporation, Spokane, Washington -- waiver of application to 

merge with Columbia Trust Bancorp, Pasco, in connection with the merger of 

Columbia Trust Bancorp's subsidiary, Columbia Trust Bank and AmericanWest 

Bank, Spokane. 

- Granted, March 9, 2006 

San Francisco

Cathay General Bancorp, Los Angeles, California -- to acquire up to 14.9 percent of 

the shares of Broadway Financial Corporation and thereby acquire shares of 

Broadway Federal Bank, FSB, and engage in operating a savings association, and of 

Broadway Financial Funding LLC and engage in extending credit and servicing 

loans.

- Approved, March 6, 2006 

San Francisco

First Muskogee Financial Corporation, Muskogee, Oklahoma -- to acquire First 

Financial Bancshares, Inc., Roland, and thereby acquire First National Bank of 

Sallisaw, Sallisaw.

- Approved, March 10, 2006 

Kansas City

Lincoln County Bancorp, Inc., Troy, Missouri -- to merge with Centennial 

Bancshares Corporation, Elsberry, and thereby acquire Bank of Lincoln County.

- Withdrawn, March 8, 2006 

St. Louis

Marquette National Corporation, Chicago, Illinois -- to acquire Hemlock Federal 

Financial Corporation, Oak Forest, and thereby acquire Hemlock Federal Bank for 

Savings and operate a savings association.

- Approved, March 6, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority March 5, 2006 to March 11, 2006

Bank Holding Companies

Meridian Interstate Bancorp, Inc., East Boston, Massachusetts -- to become a bank 

holding company and to acquire East Boston Savings Bank.

- Approved, March 6, 2006 

Boston

Upper Cumberland Bancshares, Inc., Byrdstown, Tennessee, and Employee Stock 

Ownership Trust of People's Bank and Trust Company of Pickett County -- to 

acquire People's Bank and Trust Company of Clinton County, Albany, Kentucky, a 

de novo bank.

- Approved, March 6, 2006 

Atlanta

Western Alliance Bancorporation, Las Vegas, Nevada -- to merge with 

Intermountain First Bancorp, and thereby acquire Nevada First Bank.

- Approved, March 8, 2006 

San Francisco

Bank Mergers

First State Bank, Lincoln, Nebraska -- to merge with Bank of Yutan, Yutan, and 

thereby establish a branch.

- Approved, March 6, 2006 

Kansas City

Susquehanna Patriot Bank, Marlton, New Jersey -- to merge with Minotola National 

Bank, Vineland.

- Approved, March 6, 2006 

Philadelphia

Bank Premises

The Gunnison Bank and Trust Company, Gunnison, Colorado -- to increase its 

investment in bank premises.

- Approved, March 9, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority March 5, 2006 to March 11, 2006

Change In Bank Control

MemphisFirst Corporation, Memphis, Tennessee -- change in bank control.

- Permitted, March 7, 2006 

St. Louis

SunSouth Bancshares, Inc., Dothan, Alabama -- change in bank control.

- Permitted, March 6, 2006 

Atlanta

TeamCo, Inc., Oak Lawn, Illinois -- to retain control of TeamCo, Inc.

- Permitted, March 7, 2006 

Chicago

Competitive Factors Reports

First American National Bank, Iuka, Mississippi -- report on competitive factors of 

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

branches of AmSouth Bank, Birmingham, Alabama.

- Submitted, March 9, 2006 

St. Louis

First National Bank and Trust Company of the Treasure Coast, Stuart, Florida -- 

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

Okeechobee.

- Submitted, March 8, 2006 

Secretary

First National Bank, Christiansburg, Virginia -- report on competitive factors of the 

proposed mergers with Bedford Federal Savings Bank, National Association, 

Bedford, and FNB Salem Bank and Trust, National Association, Salem.

- Submitted, March 8, 2006 

Richmond

Northwestern State Bank of Orange City, Orange City, Iowa -- report on 

competitive factors of the proposed merger with Security State Bank, Sheldon.

- Submitted, March 6, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority March 5, 2006 to March 11, 2006

Competitive Factors Reports

United Bank of Kansas, Whiting, Kansas -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of the Atchison, Kansas, 

branch of Bank Midwest, National Association, Kansas City, Missouri.

- Submitted, March 9, 2006 

Secretary

Extensions Of Time

A.N.B. Holding Company, Ltd., Terrell, Texas -- extension to June 13, 2006, to 

acquire 30 percent of the shares of The ANB Corporation, The ANB Delaware 

Corporation, and American National Bank.

- Granted, March 10, 2006 

Dallas

Cathay General Bancorp, Los Angeles, California -- extension to June 11, 2006, to 

acquire up to 100 percent of the shares of Great Eastern Bank, New York, New 

York.

- Granted, March 10, 2006 

San Francisco

Penn Bancshares, Inc., Pennsville, New Jersey -- extension to March 19, 2006, to 

acquire 24.89 percent of the shares of Harvest Community Bank.

- Granted, March 9, 2006 

Philadelphia

Financial Holding Companies

The Bridger Company, Bridger, Montana -- election to become a financial holding 

company.

- Effective, March 9, 2006 

Minneapolis

First Western Financial, Inc., Denver, Colorado -- election to become a financial 

holding company.

- Effective, March 8, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority March 5, 2006 to March 11, 2006

Membership

The First National Bank in Fleetwood, Fleetwood, Pennsylvania -- to retain 

membership in the Federal Reserve System on conversion to a state charter.

- Approved, March 9, 2006 

Philadelphia

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

Federal Reserve Bank of Boston

Filings received during the week ending March 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

03/28/2006

Boston Private Financial Holdings, Inc.,

Boston, Massachusetts - notification pursuant

to section 4(c)(8) of the BHC Act to acquire

100% direct ownership of Anchor Capital

Holdings LLC, Boston, Massachusetts (Anchor

Holdings) and 80% interests to be held by

Anchor Holdings in each of Anchor Capital

Advisors LLC and Anchor/Russell Capital

Advisors LLC, both of Boston, Massachusetts

and thereby engage in financial and investment

advisory activities pursuant to section

225.28(b)(6) of Regulation Y.

BOSTON PRIVATE

FINANCIAL HOLDINGS, INC.

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending March 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

J.P. Morgan International Finance Limited,

Newark, Delaware ("JPMIF"), an indirect

subsidiary of JPMorgan Chase Bank, National

Association, Columbus, Ohio, submitted a

notice of its intention to make a subsidiary

investment in a newly formed special purpose

vehicle in the amount of up to US $2.5 billion,

pursuant to Section 211.9(f) of Regulation K.

JPMIF also requested a waiver from the

provisions of Section 211.9(a)(3) and (b)(6) of

Regulation K to permit JPMIF to exclude the

investment for purposes of complying with the

12 month investment limit.

J.P. MORGAN

INTERNATIONAL FINANCE

LIMITED

* 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 March 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 03/11/2006

03/09/2006

Orrstown Financial Services, Inc.,

Shippensburg, PA, to acquire The First

National Bank of Newport, Newport, PA

ORRSTOWN FINANCIAL

SERVICES, INC.

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending March 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Application by Ohio Commerce Bank,

Beachwood, Ohio, to become a member of the

Federal Reserve System

Ohio Commerce Bank

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Filings received during the week ending March 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

BankAnnapolis, Annapolis, Maryland, 03/18/2006

proposes to establish a branch at 25 Market

Place, Annapolis, Maryland.

BANKANNAPOLIS

Newspaper:

Federal Register:

* Branch

Not applicable

Congressional Bank, Potomac, Maryland, 03/17/2006

proposes to establish a branch at 5274

Randolph Road, Rockville, Maryland.

CONGRESSIONAL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Frederick County Bank, Frederick, Maryland, 03/18/2006

proposes to establish a branch at 200

Commerce Drive, Walkersville, Maryland.

FREDERICK COUNTY BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Security One Bank, Baileys Crossroads, 03/20/2006

Virginia, requests permission to provide a

courier service to pick up deposits from

customers.

SECURITY ONE BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Southside Bank, Tappahannock, Virginia, to

merge with Bank of Northumberland,

Incorporated, Heathsville, Virginia.

SOUTHSIDE BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Southside Bank, Tappahannock, Virginia, to

merge with Hanover Bank, Mechanicsville,

Virginia.

SOUTHSIDE BANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Yadkin Valley Financial Corporation, Elkin,

North Carolina, to become a bank holding

company by acquiring 100% of Yadkin Valley

Bank and Trust Company, Elkin, North

Carolina.

Yadkin Valley 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 March 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Commercial Bank, Harrogate, Tennessee, to 03/16/2006

establish a branch located at 533 Tennessee

Avenue, Pineville, Kentucky.

COMMERCIAL BANK

Newspaper:

Federal Register:

CIC Not available

Not available

First National Bancshares of Central Alabama,

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

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

Jean Wood Martin, Donald Wayne Sanders,

Mary Martin Noland, Donald Martin Sanders ,

Rebecca Martin Sanders, William Matthew

Sanders, all of Aliceville, Alabama; Alice

Susan Martin, Chattanooga, Tennessee, Milton

Barrett Noland, Carrollton, Alabama; and

Karrie Noland Beasley, Tuscaloosa, Alabama,

to retain 18.45 percent of the outstanding

shares of First National Bancshares of Central

Alabama, Inc., Aliceville, Alabama.

FIRST NATIONAL

BANCSHARES OF CENTRAL

ALABAMA, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 03/11/2006

establish a branch located at 3050 Peachtree

Road, N.E., Suite 124, Atlanta, Georgia.

REGIONS BANK

Newspaper:

Federal Register:

CIC Not available

02/27/2006

Southeastern Bank Financial Corporation,

Augusta, Georgia, after-the-fact change in

control notification filed by the Pollard Family

Group (Jennie Floyd Pollard, Robert W.

Pollard, Jr., Patricia D. Pollard, Zachary

Duncan Pollard, Ann Elizabeth Pollard,

Richard Daniel Blanton, Patricia Pollard

Blanton, Thomas Vinson Blanton, II, Jennie

Briggs Blanton, Clayton Edward Blanton, Lee

Blanton West, Levi Anderson Pollard, V, Levi

Anderson Pollard, VI, Lucy Ann Pollard,

Pollard Land Company, all of Appling,

Georgia, and Robert William Pollard, III,

Evans, Georgia, Richard Daniel Blanton, Jr.,

Carrollton, Georgia, Lynn Pollard Nickerson

and Paul Rush Battle, both of Atlanta, Georgia,

and RWP, Sr. Enterprises, LLLP, Appling,

Georgia, Robert W. Pollard, Jr., Patricia

Pollard Blanton, Levi Anderson Pollard, V,

and Lynn Pollard Nickerson, general partners),

to retain 47.9 percent of Southeastern Bank

Financial Corporation, and its subsidiary bank,

Georgia Bank & Trust, both of Augusta,

Georgia.

SOUTHEASTERN BANK

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 03/22/2006

branches in the following locations: 131245

U.S. Highway 301, Riverview, Florida, to be

known as the Summerfield Crossing Office; at

the intersection of County Road 581 and

Highway 56, Wesley Chapel, Florida, to be

known as the Seven Oaks Office; and 16705

Fishhawk Boulevard, Lithia, Florida, to be

known as the Fishhawk Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Filings received during the week ending March 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Trustmark National Bank, Jackson,

Mississippi, to establish a branch in George

Town, Grand Cayman, Cayman Islands.

TRUSTMARK NATIONAL

BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending March 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A1

03/25/2006

04/03/2006

Capitol Bancorp, Ltd., Lansing, Michigan, to

acquire 51 percent of the voting shares of

Asian Bank of Arizona (in organization),

Phoenix, Arizona; Capitol Bancorp

Development Limited IV, Lansing, Michigan,

to become a bank holding company by

acquiring 51 percent of the voting shares of

Asian Bank of Arizona (in organization),

Phoenix, Arizona, and Asian American

Financial Services, Inc., Lansing, Michigan, to

become a bank holding company by acquiring

51 percent of the voting shares of Asian Bank

of Arizona (in organization), Phoenix,

Arizona.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 801 N. San

Fernando Blvd., Burbank, California.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 03/24/2006

03/24/2006

First Mid-Illinois Bancshares, Inc., Mattoon,

Illinois, to acquire 100 percent of the voting

shares of Mansfield Bancorp, Inc., Mansfield,

Illinois, and thereby indirectly acquire Peoples

State Bank of Mansfield, Mansfield, Illinois.

FIRST MID-ILLINOIS

BANCSHARES, INC.

Newspaper:

Federal Register:

* 4c8 Not available

03/06/2006

Mainsource Financial Group, Inc., Greensburg,

Indiana, to acquire 100 percent of the voting

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

and thereby operate a savings association.

MAINSOURCE FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 4c8 03/09/2006

MainSource Financial Group, Inc.,

Greensburg, Indiana, to merge with Peoples

Ohio Financial Corporation, Troy, Ohio, and

thereby indirectly acquire Peoples Savings

Bank of Troy, Troy, Ohio, and thereby operate

a savings association.

MAINSOURCE FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

04/03/2006

Midwest Banc Holdings, Inc., Melrose Park,

Illinois, to acquire 100 percent of the voting

shares of Royal American Corporation,

Inverness, Illinois, and thereby indirectly

acquire Royal American Bank, Inverness,

Illinois, and by Midwest Bank and Trust

Company, Elmwood Park, Illinois, to merge

with Royal American Bank, Inverness, Illinois,

and thereby to establish 7 branches.

MIDWEST BANC HOLDINGS,

INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

12-day Notice - Oostburg Bancorp, Inc.,

Oostburg, Wisconsin, proposes to engage in

extending credit and servicing loans.

OOSTBURG BANCORP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending March 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 02/28/2006

03/14/2006

Notice by the Matthew J. and Gayle M. Ahlers

and the Matthew J. Ahlers Family (Matthew,

Gayle, Michael, Carolyn, Emily, Jeffrey, and

Matthew Jr.) Le Mars, Iowa, to increase

Matthew and Gayle's joint ownership and

control to 25.696% (when including shares

held in the names of their minor children) of

Primebank, Inc., Le Mars, Iowa and thereby

indirectly Primebank, Le Mars, Iowa.

PRIMEBANK, 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

412135 COLE TAYLOR BK, CHICAGO, ILLINOIS 06/20/2005 03/02/2006 O Large Bank

653648 FIRST AMER BK, FORT DODGE, IOWA 10/24/2005 03/06/2006 S Large Bank

2727990 LEGACY BK, MILWAUKEE, WISCONSIN 08/29/2005 03/02/2006 O Small Bank

968436 MIDWEST B&TC, ELMWOOD PARK, ILLINOIS 11/15/2005 03/02/2006 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St.Louis

Filings received during the week ending March 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

03/30/2006

03/31/2006

First Financial Banc Corporation, El Dorado,

Arkansas, to acquire 100 percent of

Cornerstone Bank, Senatobia, Mississippi.

Also, First Financial Bank, El Dorado,

Arkansas, to merge with Cornerstone Bank,

Senatobia, Mississippi, and to retain the

acquired facilities as branch offices.

FIRST FINANCIAL BANC

CORPORATION

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

Federal Reserve Bank of St.Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

48374 FIRST FINANCIAL BK, EL DORADO, ARKANSAS 11/07/2005 02/20/2006 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending March 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

04/06/2006

Lake Bank Shares, Inc., Employee Stock

Ownership Plan, Emmons, Minnesota,

proposes to increase its ownership of Lake

Bank Shares, Inc., Emmons, Minnesota, from

35.68 percent to 65.67 percent.

LAKE BANK SHARES, INC.

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A1 Not available

03/03/2006

Salish and Kootenai Bancorporation, Polson,

Montana, to become a bank holding company

by acquiring 100 percent of the capital stock of

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

SALISH AND KOOTENAI

BANCORPORATION

* 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 March 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 04/04/2006

04/07/2006

Freedom Bancshares, Inc., Overland Park,

Kansas, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of Freedom Bank, Overland

Park, Kansas (in organization).

FREEDOM BANCSHARES,

INC.

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

The Gunnison Bank and Trust Company,

Gunnison, Colorado, to increase its investment

in bank premises in the amount of $323,569.

GUNNISON BANK AND

TRUST COMPANY, THE

Newspaper:

Federal Register:

CIC Not available

03/09/2006

Notification by Trenton W. Brown, Ponca City,

Oklahoma; Lisa D. Kessler, Scottsdale,

Arizona; Mark R. Brown, Scottsdale, Arizona;

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

Brown, Arkansas City, Kansas; Roger A.

Brown, Arkansas City, Kansas; Suzanne W.

Brown, Arkansas City, Kansas; Charlotte B.

Delaney, Winnetka, Illinois; and Rebecca R.

Warren, Ponca City, Oklahoma, to acquire

control of HNB Corporation, Arkansas City,

Kansas, parent of Home National Bank,

Blackwell, Oklahoma.

HNB CORPORATION

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending March 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending March 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/30/2006

Notice by the Bruce Hsiu-I Shen family,

Rancho Palos Verdes, California, to retain 17.2

percent of American Premier Bancorp,

Arcadia, California, and thereby indirectly

acquire American Premier Bank, Arcadia,

California.

AMERICAN PREMIER

BANCORP

Newspaper:

Federal Register:

CIC Not available

03/27/2006

Notice by David F. Bolger to acquire up to 25

percent of Cascade Bancorp, and thereby

indirectly acquire Bank of the Cascades, both

of Bend, Oregon.

CASCADE BANCORP

Newspaper:

Federal Register:

* 3A1

* 4c8

01/26/2006

04/03/2006

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

Castle Creek Capital III LLC, Eggemeyer

Capital LLC, Ruh Capital LLC, Legions IV

Advisory Corp., Western States Opportunity

LLC, Eggemeyer Family Trust, and William J.

Ruh Trust, all of Rancho Santa Fe, California,

to become bank holding companies by

acquiring 89 percent of LDF, Inc., and thereby

indirectly acquire its wholly-owned subsidiary,

Labe Bank, both of Chicago, Illinois, and;

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

Castle Creek Capital III LLC, Eggemeyer

Capital LLC, Ruh Capital LLC, Legions IV

Advisory Corp.to acquire 35 percent of Atlanta

Bancorporation, Inc., Alpharetta, Georgia, and

thereby indirectly acquire Gibsonville

Community Bank, Inc., Gibsonville, North

Carolina.

CASTLE CREEK CAPITAL

PARTNERS III, L.P.

Newspaper:

Federal Register:

* 3A3 Not available

04/03/2006

ICB Financial, Ontario, California, to acquire

100 percent of Western State Bank, Duarte,

California.

ICB FINANCIAL

Newspaper:

Federal Register:

* 3A5 04/10/2006

04/07/2006

Placer Sierra Bancshares, Sacramento,

California, California Community Financial

Institutions Fund LP, San Francisco,

California, and Belvedere Capital Partners

LLC, San Francisco, California, to acquire

Southwest Community Bancorp, Carlsbad,

California, and thereby indirectly acquire

Southwest Community Bank, Encinitas,

California.

PLACER SIERRA

BANCSHARES

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Placer Sierra Bank, Auburn, California, to

merge with Southwest Community Bank,

Encinitas, California, and thereby acquire nine

branch offices.

PLACER SIERRA BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Taiwan Cooperative Bank, Taipei, Taiwan, to

retain the Seattle, Washington, and Los

Angeles, California, branch offices of Farmers

Bank of China, as a result of the merger of

Farmers Bank of China, with and into Taiwan

Cooperative Bank.

TAIWAN COOPERATIVE

BANK

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

Federal Reserve Bank of San Francisco

Filings received during the week ending March 11, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/07/2006

Towne Bancorp, Inc., to become a bank

holding company by acquiring 100 percent of

Towne Bank of Arizona, both of Mesa,

Arizona.

TOWNE BANCORP, INC.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

2717012 PACIFIC MERCANTILE BK, COSTA MESA, CALIFORNIA 04/18/2005 03/01/2006 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act