Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 41

Week Ending October 14, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions October 8, 2006 to October 14, 2006

Bank Holding Companies

Grupo Financiero Banorte, S.A. de C.V., Monterrey, Nuevo Leon, Mexico; Banco 

Mercantil del Norte, S.A., Institucion de Banca Multiple, Grupo Financiero Banorte, 

and Banorte USA Corporation, Wilmington, Delaware -- to become bank holding 

companies and to acquire 70 percent of the shares of INB Financial Corp., McAllen, 

Texas, and thereby acquire control of its subsidiaries, INB Delaware Corp., 

Wilmington, Delaware, and Inter National Bank, McAllen, Texas; and elections by 

Grupo Financiero Banorte, S.A. de C.V., Grupo Financiero Banorte, Banorte USA 

Corporation, INB Financial Corp., and INB Delaware Corp. to become financial 

holding companies.

- Approved, October 13, 2006 

National City Corporation, Cleveland, Ohio -- to acquire Harbor Florida 

Bancshares, Inc., Fort Pierce, Florida, and its subsidiaries, Harbor Federal Savings 

Bank and Appraisal Analysis, Inc., and thereby engage in appraisal services for real 

estate and personal property.

- Approved, October 13, 2006 

Enforcement

Gold Bank, Leawood, Kansas -- issuance of a consent order of assessment of civil 

money penalty against John Price, a former senior vice president.

- Announced, October 12, 2006 

Regulations And Policies

Regulation D -- final rule implementing the annual adjustment of the low reserve 

tranche, reserve requirement exemption amount, deposit reporting cutoff level, and 

reduced reporting limit for 2007 (Docket No. R-1268).

- Approved, October 10, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
October 8, 2006 to October 14, 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

AmSouth Bank, Birmingham, Alabama -- to establish branches at 5252 Ehrlich 

Road, Tampa, Florida; 15351 Amberly Drive; 501/503 Manatee Avenue, Holmes 

Beach; at the intersections of Dale Mabry Highway and Van Dyke Road, Lutz; 

Monument Road and Trednick Road, Jacksonville; Palm Harbor Boulevard and 

Alderman Road, Palm Harbor; Maguire and Moore Roads, Ocoee; Collier 

Boulevard and Lely Cultural Parkway, Naples; at the Shoppes at Amelia Concourse, 

State Road 200, Yulee; and on US 441 near Wal-Mart, Mount Dora.

- Approved, October 11, 2006 

Atlanta

Capital City Bank, Tallahassee, Florida -- to establish a branch at 5981 Zebulon 

Road, Macon, Georgia.

- Approved, October 11, 2006 

Secretary

Comerica Bank, Detroit, Michigan -- to establish branches at 49 El Camino Real, 

Millbrae, California, and 4950 North Garland Avenue, Garland, Texas.

- Approved, October 12, 2006 

Secretary

HomeTown Bank, Roanoke, Virginia -- to establish a branch at 4227 Colonial 

Avenue.

- Approved, October 10, 2006 

Richmond

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish branches at 

9600 Colorado Lane North, Brooklyn Park, Minnesota, and 3195 South McCall 

Road, Englewood, Florida.

- Approved, October 12, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority October 8, 2006 to October 14, 2006

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish branches at 1675 Northwest St. 

Lucie West Boulevard, Port St. Lucie, Florida, and 1401-A Pulaski Highway, 

Edgewood, Maryland.

- Approved, October 12, 2006 

Secretary

Bank Holding Companies

Ashley Bancstock Company, Crosset, Arkansas -- to acquire First Community Bank 

of Crawford County, Van Buren.

- Approved, October 12, 2006 

St. Louis

Cathay General Bancorp, Los Angeles, California -- waiver of application to merge 

with New Asia Bancorp, Inc., Chicago, Illinois, in connection with the merger of 

New Asia Bank and Cathay Bank, Los Angeles, California.

- Granted, October 12, 2006 

San Francisco

ChoiceOne Financial Services, Inc., Sparta, Michigan -- to merge with Valley Ridge 

Financial Corp., Kent City, and thereby acquire Valley Ridge Bank; and for 

ChoiceOne Bank, Sparta, to merge with Valley Ridge Bank, Kent City, and thereby 

establish branches.

- Approved, October 13, 2006 

Chicago

Columbine Capital Corp., Buena Vista, Colorado -- to become a bank holding 

company and to acquire Collegiate Peaks Bank, and for Collegiate Peaks Bank to 

become a member of the Federal Reserve System.

- Approved, October 11, 2006 

Kansas City

Community First Bancorp, Inc., Fairview Heights, Illinois -- to become a bank 

holding company and to acquire Community First Bank.

- Approved, October 12, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority October 8, 2006 to October 14, 2006

Bank Holding Companies

Cornerstone Bancorp, Inc., St. Petersburg, Florida -- to become a bank holding 

company and to acquire Cornerstone Community Bank.

- Approved, October 12, 2006 

Atlanta

Florida Shores Bancorp, Inc., Pompano Beach, Florida; Smith & Associates Florida 

Fund LLC, and Smith & Associates Fund Management LLC -- to become a multitiered bank holding company and to acquire 60 percent of the shares of Florida 

Shores Bank-Southeast, a de novo bank.

- Approved, October 10, 2006 

Atlanta

Inland Bancorp Holding Company, Oak Brook, Illinois -- to acquire Cambank, Inc., 

Lake Zurich, and thereby acquire its subsidiary, Cambridge Bank.

- Approved, October 13, 2006 

Chicago

Minnwest Corporation, Minnetonka, Minnesota -- to acquire Aumanchester, Inc., 

Rochester, and its subsidiary, Rochester Bank.

- Approved, October 12, 2006 

Minneapolis

Private Bancshares, Inc., Atlanta, Georgia -- to become a bank holding company and 

to acquire Private Bank of Buckhead, a de novo bank.

- Approved, October 10, 2006 

Atlanta

Superior Bancorp, Birmingham, Alabama -- waiver of application in connection 

with the merger with Community Bancshares, Inc., Blountsville, and Community 

Bank.

- Granted, October 13, 2006 

Atlanta

Traders & Farmers Bancshares, Inc., Haleyville, Alabama -- to become a bank 

holding company and to acquire Traders & Farmers Bank.

- Approved, October 12, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority October 8, 2006 to October 14, 2006

Bank Mergers

First Bank, St. Louis, Missouri -- to purchase certain assets and assume certain 

liabilities of the Beverly Hills, California, branch of First Bank of Beverly Hills, 

Calabasas, and thereby establish a branch.

- Approved, October 12, 2006 

St. Louis

Sky Financial Group, Inc., Bowling Green, Ohio -- to acquire Wells River Bancorp, 

Inc., Wellsville, and thereby acquire Perpetual Savings Bank; and for Perpetual 

Savings Bank to become a member of the Federal Reserve System and to merge 

with Sky Bank, Bowling Green.

- Approved, October 10, 2006 

Cleveland

Bank Premises

The Bank of Monroe, Union, West Virginia -- to increase its investment in bank 

premises.

- Approved, October 11, 2006 

Richmond

Competitive Factors Reports

Carter Bank & Trust, Martinsville, Virginia, a de novo bank -- report on competitive 

factors of the proposed merger with several affiliates.

- Submitted, October 13, 2006 

Richmond

Chase Bank USA, National Association, Newark, Delaware -- report on competitive 

factors of the proposed acquisition by merger of Pier 1 National Bank, Omaha, 

Nebraska.

- Submitted, October 12, 2006 

New York

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

merger with Texas Premier Bank, National Association, Brookshire.

- Submitted, October 13, 2006 

Dallas

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority October 8, 2006 to October 14, 2006

Competitive Factors Reports

First Bank & Trust, Brookings, South Dakota -- report on competitive factors of the 

proposed acquisition of the Toronto branch of Bankfirst, Sioux Falls.

- Submitted, October 10, 2006 

Minneapolis

Indus American Bank, Iselin, New Jersey -- report on competitive factors of the 

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

Chester, New York, branch of New York Community Bank, Flushing.

- Submitted, October 12, 2006 

New York

Merchants and Farmers Bank, Kosciusko, Mississippi -- report on competitive 

factors of the proposed merger with Tri-County Bank, Trenton, Florida.

- Submitted, October 10, 2006 

St. Louis

Meridian Bank, Eldred, Illinois -- report on competitive factors of the proposed 

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

Altamont branches of Midland States Bank, Effingham.

- Submitted, October 11, 2006 

St. Louis

Mutual Federal Savings Bank of Plymouth County, Whitman, Massachusetts -- 

report on competitive factors of the proposed acquisition of Security Federal 

Savings Bank, Brockton.

- Submitted, October 13, 2006 

Boston

RCB Bank, Claremore, Oklahoma -- report on competitive factors of the proposed 

merger with Bank of Nichols Hills, Oklahoma City.

- Submitted, October 12, 2006 

Kansas City

TCF National Bank, Wayzata, Minnesota -- report on competitive factors of the 

proposed merger with TCF Mortgage Corporation, Minneapolis.

- Submitted, October 12, 2006 

Minneapolis

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority October 8, 2006 to October 14, 2006

Competitive Factors Reports

Texas Bank, Brownwood, Texas -- report on competitive factors of the proposed 

acquisition of the Brownwood branch of First State Bank Central Texas, Temple.

- Submitted, October 10, 2006 

Dallas

Unity Bank East, Rush City, Minnesota -- report on competitive factors of the 

proposed merger with Unity Bank, National Association, Crosby, and Unity Bank 

Central, Staples.

- Submitted, October 13, 2006 

Minneapolis

Extensions Of Time

Compass Bank, Birmingham, Alabama -- extension to December 2, 2007, to 

establish a branch at 2650 East Southlake Boulevard, Southlake, Texas.

- Granted, October 11, 2006 

Atlanta

Prairieland Bancorp Employee Stock Ownership Plan and Trust, Bushnell, Illinois -- 

extension to February 2, 2007, to increase its ownership from 44.80 percent to 49.67 

percent of the shares of Prairieland Bancorp, Inc., and thereby increase its ownership 

of Prairieland's subsidiary, Farmers and Merchants State Bank of Bushnell.

- Granted, October 10, 2006 

Chicago

Membership

Labe Bank, Chicago, Illinois -- to become a member of the Federal Reserve System.

- Approved, October 13, 2006 

Chicago

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on September 20, 2006.

- Published, October 11, 2006 

FOMC

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

Federal Reserve Bank of Boston

Filings received during the week ending October 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 Not available

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

become a bank holding company pursuant to

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

with the formation of Higher One Bank, New

Haven, Connecticut.

HIGHER ONE, INC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending October 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

11/03/2006

Fort Orange Financial Corp. requests to

become a one-bank holding company, pursuant

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

225.15 of Regulation Y, by acquiring Capital

Bank & Trust Company, both of Albany, New

York.

FORT ORANGE FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A3 10/11/2006

10/23/2006

New York Private Bank & Trust Corporation,

Emigrant Bancorp, Inc. and Emigrant Bank

(for a moment in time), all of New York, New

York, to acquire all of the outstanding capital

stock of EmigrantDirect Bank, Ossining, New

York (In formation).

NEW YORK PRIVATE BANK

& TRUST CORPORATION

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Export-Import Bank of Ukraine ("EXIM

Bank")Kiev, Ukraine, to establish a

representative office in New York, New York,

pursuant to Section 10(a) of the International

Banking Act of 1978, as amended, and Section

211.24(a)(1) of Regulation K.

STATE EXPORT-IMPORT

BANK OF UKRAINE, INC.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending October 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending October 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Commercial & Savings Bank, 10/25/2006

Millersburg, OH to establish a branch at 461

Wadsworth Road, State Route 57, Orrville,

OH.

COMMERCIAL AND SAVINGS

BANK OF MILLERSBURG,

OHIO, THE

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 10/19/2006

establish a branch at 43710 Ford Road,

Canton, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 10/19/2006

establish a branch at 9691 Telegraph Road,

Taylor, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 10/21/2006

establish a branch at 2419 Highway K,

O'Fallon, MO.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 10/21/2006

establish a branch at 4909 Laclede Avenue, St.

Louis, MO.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 3A3 10/21/2006

10/26/2006

Application by Park National Corporation,

Newark, OH to acquire Anderson Bank

Company, Cincinnati, OH pursuant to Section

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

PARK NATIONAL

CORPORATION

Newspaper:

Federal Register:

* Branch Not available

Not applicable

The State Bank and Trust Company, Defiance,

OH to establish a branch at 12832 Coldwater

Road, Fort Wayne, IN.

STATE BANK AND TRUST

COMPANY, THE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending October 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Farmers and Miners Bank, Pennington Gap,

Virginia, to increase its investment in bank

premises in the amount of $500,000.

FARMERS AND MINERS

BANK

Newspaper:

Federal Register:

* 3A5 Not available

* 3A3 Not available

Palmetto State Bankshares, Inc., Hampton,

South Carolina, to acquire 100% of the voting

securities of The Exchange Bankshares, Inc.,

Estill, South Carolina, and thereby indirectly

acquire The Exchange Bank, Estill, South

Carolina. Also, Palmetto State Bankshares,

Inc. to acquire 100% of the voting securities of

Carolina Commercial Bank, Allendale, South

Carolina.

PALMETTO STATE

BANKSHARES, INC.

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending October 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 11/06/2006

11/09/2006

1st Jackson Bancshares, Inc., Stevenson,

Alabama, to acquire 100 percent of the

outstanding shares of The Peoples Bancshares,

Inc., and its subsidiary, Peoples Bank, both of

Sardis, Tennessee.

1ST JACKSON BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A5 11/06/2006

11/09/2006

Ameris Bancorp, Moultrie, Georgia, to merge

with Islands Bancorp, and thereby acquire its

subsidiary, Islands Community Bank, N.A.,

both of Beaufort, South Carolina.

AMERIS BANCORP

Newspaper:

Federal Register:

* 3A5 Not available

11/13/2006

Atlantic Southern Financial Group, Inc.,

Macon, Georgia, to merge with Sapelo

Bancshares, Inc., and thereby acquire Sapelo

National Bank, both of Darien, Georgia.

ATLANTIC SOUTHERN

FINANCIAL GROUP, INC.

Newspaper:

Federal Register:

* 3A1 11/06/2006

11/09/2006

Central Financial Holdings, Inc., to become a

bank holding company by acquiring 100

percent of the outstanding shares of Central

Bank (in organization), both of Tampa,

Florida.

CENTRAL FINANCIAL

HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A1 11/03/2006

11/09/2006

CPB Bancshares, Inc., to become a bank

holding company by acquiring 100 percent of

the outstanding shares of Church Point Bank

and Trust Company, both of Church Point,

Louisiana.

CPB BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 11/10/2006

11/13/2006

Embassy Bancshares, Inc., Snellville, Georgia,

to become a bank holding company by

acquiring 100 percent of the outstanding shares

of Embassy National Bank, Lawrenceville,

Georgia (in organization).

EMBASSY BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A1 11/06/2006

10/30/2006

FNBC Financial Corporation, to become a

bank holding company by acquiring 100

percent of the outstanding shares of First

National Bank of Crestview, both of Crestview,

Florida.

FNBC FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A1 10/31/2006

11/09/2006

Oglethorpe Bank Holding Company, to become

a bank holding company by acquiring 100

percent of the outstanding shares of Oglethorpe

Bank, both of Brunswick, Georgia.

OGLETHORPE BANK

HOLDING COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Old Southern Bank, Clermont, Florida, to 10/18/2006

establish a branch located at 1460 East

Highway 50, Clermont, Florida.

OLD SOUTHERN BANK

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

Federal Reserve Bank of Atlanta

Filings received during the week ending October 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/24/2006

United Community Bancshares, Gonzales,

Louisiana, prior change in control notification

filed by Gloria Bienvenu Callais, Charles

Michael Callais, Corey Joseph Callais, Paul

Abdon Callais, and Peter Wade Callais to

acquire an additional 6.2 percent of the

outstanding shares of United Community

Bancshares, Inc. and its subsidiary, United

Community Bank, both of Gonzales,

Louisiana. Proforma total ownership will

equal 78.8 percent.

UNITED COMMUNITY

BANCSHARES, INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

2860440 1ST UNITED BK, BOCA RATON, FLORIDA 06/19/2006 10/09/2006 S Small 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 October 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

11/03/2006

Bancorp Financial, Inc., Evergreen Park,

Illinois, to become a bank holding company by

acquiring 100 percent of the voting shares of

Evergreen Interim Bank (in organization),

Evergreen Park, Illinois.

BANCORP FINANCIAL, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 4901 N. Belt

Line Rd., Irving, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* 4c8 11/08/2006

11/13/2006

First Internet Bancorp, Indianapolis, Indiana,

to acquire 100 percent of the voting shares of

Landmark Financial Corporation, Indianapolis,

Indiana, and thereby indirectly acquire

Landmark Savings Bank, Indianapolis,

Indiana, and Landmark Mortgage Company,

Indianapolis, Indiana, to engage in the

operation of a savings association and lending

activities.

FIRST INTERNET BANCORP

Newspaper:

Federal Register:

* 4c8 Not available

10/25/2006

Great River Financial Group, Inc., Burlington,

Iowa, to operate a savings bank following the

conversion of its wholly-owned subsidiary,

Burlington Bank and Trust, Burlington, Iowa,

from a state chartered bank to a federal savings

bank.

GREAT RIVER FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Labe Bank, Chicago, Illinois, to merge with

Bloomingdale Bank and Trust, Bloomingdale,

Illinois, and thereby to establish 6 branches.

LABE BANK

Newspaper:

Federal Register:

* 3A5 Not available

11/09/2006

Northstar Financial Group, Inc., Bad Axe,

Michigan, to acquire 100 percent of the voting

shares of Valley Financial Corp., Caro,

Michigan, and thereby indirecty acquire

Community Bank, Caro, Michigan.

NORTHSTAR FINANCIAL

GROUP, INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending October 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

DeWitt First Bankshares, Inc., DeWitt,

Arkansas, to acquire 100 percent of First

National Bank of Stuttgart, Stuttgart,

Arkansas.

DEWITT FIRST BANKSHARES

CORPORATION

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

825940 BANK OF BUFFALO, BUFFALO, KENTUCKY 07/10/2006 10/03/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending October 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/01/2006

Eric W. Hilgenberg Living Trust, Eric W.

Hilgenberg and Jennifer J. Hilgenberg, as

individuals and trustees, Rosemount,

Minnesota, Walter W. Hilgenberg, Prior Lake,

Minnesota, as a group acting in concert; and

Stuart A. Voigt, Apple Valley, Minnesota, as

an individual, to gain control of Commercial

Bancshares, Inc., Bloomington, Minnesota.

COMMERCIAL BANCSHARES,

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Dacotah Bank, Aberdeen, South Dakota,

proposes to purchase the assets and assume the

liabilities of the Brookings, South Dakota,

branch of BankFirst, Sioux Falls, South

Dakota, and incident thereto establish a branch

at 425 22nd Avenue South, Brookings, South

Dakota.

DACOTAH BANK

Newspaper:

Federal Register:

* 3A1 Not available

11/09/2006

Heywood Bancshares, Inc., Northfield,

Minnesota, to become a bank holding company

by acquiring 100 percent of The First National

Bank of Northfield, Northfield, Minnesota.

Heywood Bancshares, Inc.

Newspaper:

Federal Register:

CIC 10/23/2006

10/24/2006

Retroactive change in control notice by

Katherine Anne Gray, Superior, Wisconsin, to

acquire 25 percent or more of the shares of

Superior National Banc Holding Company,

Superior, Wisconsin, and thereby indirectly

acquire Superior Bank, Superior, Wisconsin.

SUPERIOR NATIONAL BANC

HOLDING COMPANY

Newspaper:

Federal Register:

* 3A5 Not available

11/09/2006

United Bancorporation, Osseo, Wisconsin, to

merge with Midwest Bancorporation, Billings,

Montana.

UNITED BANCORPORATION

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending October 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Citizens Security Bank & Trust Company,

Bixby, Oklahoma, to merge with The First

Bank of Haskell, Haskell, Oklahoma, and

incident thereto, to establish a branch.

CITIZENS SECURITY BANK &

TRUST COMPANY

Newspaper:

Federal Register:

Member Not available

* 3A1

* 3A3

Not available

Community Bank of Pleasant Hill, Pleasant

Hill, Missouri, in organization, to become a

member of the Federal Reserve System.

Arcadia Financial Corporation, Raymore,

Missouri, to become a bank holding company

through the acquisition of 52.26 percent of the

voting shares of Community Bank of Pleasant

Hill, Pleasant Hill, Missouri. LoLyn Financial

Corporation, Raymore, Missouri, to acquire 60

percent of the voting shares of Arcadia

Financial Corporation, Raymore, Missouri,

proposed parent of Community Bank of

Pleasant Hill, Pleasant Hill, Missouri (in

organization).

COMMUNITY BANK OF

PLEASANT HILL

Newspaper:

Federal Register:

CIC Not available

11/01/2006

Notification by Jeffrey D. and Ruby L.

Johnson, both of Midwest City, Oklahoma, and

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

Valley, Oklahoma, to acquire control of

MidWest Community Financial Corporation,

Midwest City, Oklahoma, parent of Canute

Bancshares, Inc., Midwest City, Oklahoma,

which is the parent company of The First State

Bank of Canute, Canute, Oklahoma.

MIDWEST COMMUNITY

FINANCIAL CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

11/02/2006

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

its subsidiary, Peoples, Inc., Colorado Springs,

Colorado, to engage indirectly in mortgage

lending activities, through the acquisition of a

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

Lawrence, Kansas, by Peoples Bank,

Lawrence, Kansas.

PEOPLES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SolutionsBank, Overland Park, Kansas, to 10/30/2006

establish a mobile branch operating from its

main office located at 7401 W. 135th STreet,

Overland Park, Kansas.

SOLUTIONSBANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

United Bank & Trust, Marysville, Kansas, to 11/04/2006

purchase certain assets and assume certain

liabilities of the Manhattan, Kansas branch of

Armed Forces Bank, N.A., Fort Leavenworth,

Kansas, and incident thereto, to establish a

branch.

UNITED BANK & TRUST

* 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

1421161 BANK OF BLUE VALLEY, OVERLAND PARK, KANSAS 06/05/2006 09/25/2006 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 October 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 10/19/2006

10/24/2006

Notice filed by the First Commercial Financial

Corp. Employee Stock Ownership Plan,

Seguin, Texas, along with Mr. Mark A. Long,

McQueeney, Texas, and Mr. Kelly Goulart,

Seguin, Texas, Individually and as trustees for

The First Commerical Financial Corp.

Employee Stock Ownership Plan, to retain

control of 13.67 percent, and to increase

control up to 24.99 percent of First

Commercial Financial Corp., Seguin, Texas,

and therefore indirectly First Commercial

Bank, National Association, Seguin, Texas.

FIRST COMMERCIAL

FINANCIAL CORP

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending October 14, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 10/30/2006

1) Green Bancorp, Inc. to become a bank

holding company by acquiring 100 percent of

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

2) Belvedere Texas Holdings L.P., San

Francisco, California to become a bank holding

company by acquiring 49 percent of Green

Bancorp, Inc., and thereby indirectly acquire

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

and 3) Belvedere Capital Partners II, LLC, and

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

Francisco, California, to acquire up to 49

percent of Green Bancorp, Inc., and thereby

indirectly acquire Redstone Bank, N.A.,

Houston, Texas.

BELVEDERE CAPITAL

PARTNERS II LLC

Newspaper:

Federal Register:

* 3A3 Not available

11/03/2006

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

Creek Capital III LLC, Eggemeyer Capital

LLC, Ruh Capital LLC, Western States

Opportunity LLC, Eggemeyer Family Trust,

William J. Ruh Trust, Legions IV Advisory

Corp., all located in Rancho Santa Fe,

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

Illinois, to acquire 100 percent of BB&T

Bancshares, Corp., and thereby indirectly

acquire Bloomingdale Bank and Trust, both of

Bloomingdale, Illinois.

CASTLE CREEK CAPITAL

PARTNERS III, L.P.

Newspaper:

Federal Register:

* Branch

Not applicable

County Bank, Merced, California, to establish 10/11/2006

a branch facility to be located at the southeast

corner of Shanks and Schiendel, Delhi,

California.

COUNTY BANK

Newspaper:

Federal Register:

* 3A1 Not available

09/22/2006

NHB Holdings, Inc., Jacksonville, Florida, to

become a bank holding company by acquiring

100 percent of Volvo Commercial Credit Corp.

of Utah, which will be renamed Globility

Bank, Salt Lake City, Utah.

NHB HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

11/03/2006

West Valley Bancorp, Inc., to become a bank

holding company by acquiring 100 percent of

West Valley National Bank (In Organization),

both of Avondale, Arizona.

WEST VALLEY BANCORP,

INC.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act