Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 40

Week Ending October 7, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions October 1, 2006 to October 7, 2006

Bank Holding Companies

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

Inc., Wellsville, and its subsidiary, Perpetual Savings Bank.

- Approved, October 5, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
October 1, 2006 to October 7, 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

Bank of the Commonwealth, Norfolk, Virginia -- to establish a branch at 2600 

Taylor Road, Chesapeake.

- Approved, October 4, 2006 

Richmond

Bank of the Commonwealth, Norfolk, Virginia -- to establish a branch at 1020 

London Boulevard, Portsmouth.

- Approved, October 4, 2006 

Richmond

Comerica Bank, Detroit, Michigan -- to establish branches at 800 Southeast 

Monterey Commons Boulevard, Stuart, Florida, and 155 East Blue Heron 

Boulevard, Riviera Beach.

- Approved, October 4, 2006 

Secretary

First Interstate Bank, Billings, Montana -- to establish a branch at 100 Hutton Ranch 

Road, Kalispell.

- Approved, October 6, 2006 

Minneapolis

First Security Bank of Conway, Conway, Arkansas -- to establish a branch at 624 

Highway 365 South, Mayflower.

- Approved, October 5, 2006 

St. Louis

Johnson Bank, Racine, Wisconsin -- to establish a branch at 18818 Four Peaks 

Boulevard, Rio Verde, Arizona, and to retain the branch at 16155 North 83rd 

Avenue, Peoria.

- Approved, October 4, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority October 1, 2006 to October 7, 2006

Bank Branches, Domestic

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 3151 

Lawrenceville-Suwanee Road, Suwanee, Georgia.

- Approved, October 5, 2006 

Richmond

Bank Holding Companies

The Bank Holdings, Reno, Nevada -- waiver of application to acquire NNB 

Holdings, Inc. in connection with the merger of their subsidiaries, Nevada Security 

Bank and Northern Nevada Bank.

- Granted, October 5, 2006 

San Francisco

Belvedere Capital Fund II, L.P., San Francisco, California, and Belvedere Capital 

Partners II LLC -- to engage de novo through their subsidiary, Hometown 

Commercial Capital, LLC, Burlingame, in funding and securitizing commercial real 

estate loans.

- Approved, October 2, 2006 

Secretary

Cathay Financial Holding Co., Ltd., Taipei, Taiwan, and Cathay Life Insurance Co., 

Ltd. -- to acquire up to 9.99 percent of the shares of First Financial Holding Co., 

Ltd. and Chinatrust Financial Holding Co., Ltd. and thereby acquire First 

Commercial Bank (U.S.A.), Alhambra, California, and Chinatrust Bank (U.S.A.), 

Torrance.

- Withdrawn, October 4, 2006 

San Francisco

Community Bank System, Inc., Dewitt, New York -- waiver of application in 

connection with the merger with ONB Corporation, Clifton Springs.

- Withdrawn, October 3, 2006 

New York

First Charter Corporation, Charlotte, North Carolina -- to acquire GBC Bancorp, 

Inc., Lawrenceville, Georgia, and Gwinnett Banking Company.

- Approved, October 2, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority October 1, 2006 to October 7, 2006

Bank Holding Companies

Gateway Banc Corp., Roscoe, Illinois -- to become a bank holding company and to 

acquire Gateway Community Bank.

- Approved, October 4, 2006 

Chicago

Lloyds TSB Group Plc, London, England, and Lloyds TSB Bank plc -- to engage de 

novo through a subsidiary, Scottish Widows Investment Partnership Ltd., in 

investment advisory activities.

- Approved, October 6, 2006 

New York

Pony Express Bancorp, Inc., Elwood, Kansas -- to acquire Bank of Paxton, Paxton, 

Nebraska, and to engage in lending activities.

- Approved, October 5, 2006 

Kansas City

SouthCrest Financial Group, Inc., Fayetteville, Georgia -- to merge with Maplesville 

Bancorp, Maplesville, Alabama, and thereby acquire its subsidiary, Peachtree Bank.

- Approved, October 2, 2006 

Atlanta

TriState Capital Holdings, Inc., Pittsburgh, Pennsylvania -- to become a bank 

holding company and to acquire TriState Capital Bank.

- Returned, October 3, 2006 

Cleveland

U.S. Century Bancorp, Inc., Miami, Florida -- to become a bank holding company 

and to acquire U.S. Century Bank.

- Withdrawn, October 4, 2006 

Atlanta

U.S. Trust Corporation, New York, New York -- relief from certain commitments.

- Granted, October 5, 2006 

San Francisco

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority October 1, 2006 to October 7, 2006

Banks, Nonmember, And Miscellaneous Institutions

Gardiner Savings Institution Federal Saving Bank, Gardiner, Maine -- waiver of 

application in connection with the acquisition of First Citizens Bank, Presque Isle.

- Granted, October 6, 2006 

Boston

Change In Bank Control

Alliance Bancshares, Inc., Sulphur Springs, Texas -- change in bank control.

- Permitted, October 4, 2006 

Dallas

Durant Bancorp, Inc., Durant, Oklahoma -- change in bank control.

- Permitted, October 6, 2006 

Kansas City

F.N.B. Bancorporation, Inc., Fort Mitchell, Kentucky -- change in bank control.

- Permitted, October 5, 2006 

Cleveland

P B Bancshares, Inc., Clifton, Tennessee -- to retain control of P B Bancshares, Inc.

- Permitted, October 5, 2006 

Atlanta

Union Bank and Trust Company, Lincoln, Nebraska -- change in bank control.

- Permitted, October 5, 2006 

Cleveland

Competitive Factors Reports

The Bank, Woodbury, New Jersey -- report on competitive factors of the proposed 

merger with First Washington State Bank, Windsor.

- Submitted, October 6, 2006 

Philadelphia

CB&T Bank of Middle Georgia, Warner Robins, Georgia -- report on competitive 

factors of the proposed merger with The Citizens Bank, Fort Valley.

- Submitted, October 5, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority October 1, 2006 to October 7, 2006

Competitive Factors Reports

Citizens First Bank, Inc., Bowling Green, Kentucky -- report on competitive factors 

of the proposed merger with Kentucky Banking Centers, Inc., Glasgow.

- Submitted, October 6, 2006 

St. Louis

First Fidelity Bank, Burke, South Dakota -- report on competitive factors of the 

proposed acquisition by merger of the Winner branch of Great Western Bank, 

Watertown.

- Submitted, October 5, 2006 

Minneapolis

Fulton Bank, Lancaster, Pennsylvania -- report on competitive factors of the 

proposed purchase of assets and assumption of liabilities of Premier Bank, 

Doylestown.

- Submitted, October 6, 2006 

Philadelphia

Gateway Community Bank, Roscoe, Illinois -- report on competitive factors of the 

proposed merger with Republic Bank of Roscoe, an interim bank.

- Submitted, October 5, 2006 

Chicago

Grand Mountain Bank, FSB, Granby, Colorado -- report on competitive factors of 

the proposed merger with New Grand Mountain Bank, FSB.

- Submitted, October 5, 2006 

Kansas City

Great Western Bank, Watertown, South Dakota -- report on competitive factors of 

the proposed acquisition of and merger with four branches of Home Federal Bank, 

Sioux Falls.

- Submitted, October 3, 2006 

Minneapolis

Greater Delaware Valley Savings Bank, Broomall, Pennsylvania -- report on 

competitive factors of the proposed merger with Alliance Interim Savings Bank.

- Submitted, October 4, 2006 

Philadelphia

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority October 1, 2006 to October 7, 2006

Competitive Factors Reports

Happy State Bank, Happy, Texas -- report on competitive factors of the proposed 

merger with American Church Trust Company, Houston.

- Submitted, October 3, 2006 

Dallas

Mid Penn Bank, Millersburg, Pennsylvania -- report on competitive factors of the 

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

Middletown branches of Omega Bank, State College.

- Submitted, October 4, 2006 

Philadelphia

United Community Bank, Blairsville, Georgia -- report on competitive factors of the 

proposed merger with Southern National Bank, Marietta.

- Submitted, October 5, 2006 

Atlanta

Westfield Bank, Westfield, Massachusetts -- report on competitive factors of the 

proposed merger with Westfield Interim Savings Banks I, II, and III.

- Submitted, October 4, 2006 

Boston

Extensions Of Time

Colorado Community Bank, Yuma, Colorado -- extension to January 7, 2007, to 

establish a branch at 4625 Trail Boss Drive, Castle Rock.

- Granted, October 6, 2006 

Kansas City

IBERIABANK, Lafayette, Louisiana -- extension to October 14, 2007, to establish a 

branch at 338 Settlers Trace.

- Granted, October 4, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority October 1, 2006 to October 7, 2006

Financial Holding Companies

LoLyn Financial Corporation, Raymore, Missouri -- election to become a financial 

holding company.

- Effective, October 4, 2006 

Kansas City

WSB Financial Group, Inc., Bremerton, Washington -- election to become a 

financial holding company.

- Effective, October 3, 2006 

San Francisco

International Operations

NOVA European Holdings Company, Minneapolis, Minnesota -- waiver of 

remainder of notification period to invest in Elavon Financial Services, Dublin, 

Ireland.

- Granted, September 29, 2006 (AC)

Director, BS&R

Membership

San Joaquin Bank, Bakersfield, California -- to become a member of the Federal 

Reserve System.

- Approved, October 6, 2006 

San Francisco

(AC) = Addition or Correction Delegated - Page 7 of 7
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending October 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

10/09/2006

10/12/2006

Application by Marlborough Bancshares, MHC

and Marlborough Bancshares, Inc., both of

Marlborough, Massachusetts, to become a

mutual bank holding company and stock bank

holding company, respectively, by acquiring

Marlborough Savings Bank, Marlborough,

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

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

1956, as amended.

Application by Marlborough Bancshares, MHC

and Marlborough Bancshares, Inc., both of

Marlborough, Massachusetts, to become a

mutual bank holding company and stock bank

holding company, respectively, by acquiring

Marlborough Savings Bank, Marlborough,

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

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

1956, as amended.

MARLBOROUGH

BANCSHARES MHC

* 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 7, 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 Not available

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.

Newspaper:

Federal Register:

FBSEA

Not applicable

UBS AG, Zurich, Switzerland to establish an 09/29/2006

additional federal limited branch to be located

in Tampa, Florida pursuant to Section

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

UBS AG

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending October 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

* 18C

4c8

10/23/2006

11/03/2006

Conestoga Bancorp, Inc., Chester Springs, PA,

to acquire PSB Bancorp, Inc., Philadelphia,

PA, as a result Conestoga Bank, Chester

Springs, PA to merge with and into First Penn

Bank, Philadelphia, PA, with a name change

to Conestoga Bank.

CONESTOGA BANCORP, INC

Newspaper:

Federal Register:

* 3A1

4c8

* 18C

11/03/2006

11/03/2006

Sterling Banks, Inc., Mount Laurel, NJ, to

become a bank holding company by acquiring

Sterling Bank, Mount Laurel, NJ.

Additionally, in connection with a

reorganization Sterling Banks, Inc., will

acquire Farnsworth Bancorp, Inc.,

Bordentown, NJ, resulting in a merger between

Sterling Bank and Peoples Savings Bank,

Bordentown, NJ,a wholly own subsidiary of

Farnsworth Bancorp, Inc.

STERLING BANKS 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 October 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH intends to 10/14/2006

establish a branch at 4653 Tuscarawas Street

West, Perry Township, OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 3A3 Not available

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

* 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 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of America, NA, Charlotte, North

Carolina, to increase its investment in Banc of

America Leasing Ireland Co., Limited, Dublin,

Ireland.

BANK OF AMERICA,

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of America, NA, Charlotte, North

Carolina, to increase its investment in Banc of

America Securities Limited, London, United

Kingdom.

BANK OF AMERICA,

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

* Branch

Not applicable

Highlands Union Bank, Abingdon, Virginia, 10/20/2006

proposes to establish a branch at the corner of

Mountain Grove Road and Majestic Road,

Knoxville, Tennessee.

HIGHLANDS UNION BANK

Newspaper:

Federal Register:

* Branch

Not applicable

New Peoples Bank, Inc., Honaker, Virginia, to 10/18/2006

establish a branch at the corner of Highways

58 and 715, Ben Hur, Virginia.

NEW PEOPLES BANK, INC.

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Peoples Community Bank, Montross, Virginia,

to increase its investment in bank premises in

the amount of $150,000.

PEOPLES COMMUNITY BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Rocky Mount, North 10/13/2006

Carolina, to establish a branch at 14495

Miramar Parkway, Miramar, Florida.

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Rocky Mount, North 10/13/2006

Carolina, to establish a branch at 4620 PGA

Boulevard, Suite 101, Palm Beach Gardens,

Florida.

RBC CENTURA BANK

* 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 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

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

Not available

Ameris Bancorp, Moultrie, Georgia, to merge 10/06/2006

with Islands Bancorp, and thereby acquire its

subsidiary, Islands Community Bank, N.A.,

both of Beaufort, South Carolina.

AMERIS BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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

Not available

Oglethorpe Bank Holding Company, to become 10/31/2006

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:

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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 7, 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:

* 3A5 10/20/2006

10/13/2006

Citizens Banking Corporation, Flint,

Michigan, to acquire 100 percent of the voting

shares of Republic Bancorp, Inc., Owosso,

Michigan, and thereby indirectly acquire

Republic Bank, Lansing, Michigan.

CITIZENS BANKING

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 10/03/2006

two branch facilities to be located at 49 El

Camino Real, Millbrae, California, and 4950

N. Garland Ave., Garland, Texas.

COMERICA BANK

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:

* 3A5 10/24/2006

11/03/2006

Dearborn Bancorp, Inc., Dearborn, Michigan,

to merge with Fidelity Financial Corporation of

Michigan, Birmingham, Michigan, and

thereby indirectly acquire Fidelity Bank,

Birmingham, Michigan.

DEARBORN BANCORP, INC.

Newspaper:

Federal Register:

* 3A5 10/27/2006

10/30/2006

FBOP Corporation, Oak Park, Illinois, to

acquire 100 percent of the voting shares of

United Financial Holdings, Inc., Lisle, Illinois,

and thereby indirectly acquire United

Community Bank of Lisle, Lisle, Illinois.

FBOP CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

10/25/2006

Great River Financial Group, Inc., Burlington,

Iowa, to operate a savings bank following the

conversion of its wholly-owned subsidiary,

Burlington Bank and Trust, Burlington, Iowa,

from a state chartered bank to a federal savings

bank.

GREAT RIVER FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* 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:

* Branch

Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 10/04/2006

Wisconsin, to establish two branch facilities to

be located at 9600 Colorado Lane North,

Brooklyn Park, Minnesota, and 3195 S.

McCall Road, Englewood, Florida.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* 3A5 10/09/2006

10/12/2006

PrivateBancorp, Inc., Chicago, Illinois, to

acquire 100 percent of the voting shares of

Piedmont Bancshares, Inc., Atlanta, Georgia,

and thereby indirectly acquire Piedmont Bank

of Georgia, Atlanta, Georgia.

PRIVATEBANCORP, 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

366247 TEMPLETON SVG BK, TEMPLETON, IOWA 06/26/2006 09/27/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending October 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 10/12/2006

establish a branch facility to be located at 2600

Donaghey Avenue, Conway, Arkansas.

ARVEST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Evansville, Evansville, Indiana, to 10/12/2006

establish a branch facility to be located at 515

Dixie Lane, Evansville, Indiana.

BANK OF EVANSVILLE

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, St. Louis, Missouri, to establish a 10/12/2006

branch facility to be located at 1788 Tribute

Road, Suite 304, Sacramento, California.

FIRST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Security Bank of Conway, Conway, 09/08/2006

Arkansas, to establish a branch facility to be

located at 624 Highway 365 South, Mayflower,

Arkansas.

FIRST SECURITY BANK OF

CONWAY

* 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

493143 STATE BK OF LIMA, LIMA, ILLINOIS 07/10/2006 09/22/2006 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 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Eric W. Hilgenberg Living Trust, Eric W.

Hilgenberg and Jennifer J. Hilgenberg,

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:

CIC Not available

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

* 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

1441600 BIG SKY WESTERN BK, BOZEMAN, MONTANA 06/26/2006 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: 10

Federal Reserve Bank of Kansas City

Filings received during the week ending October 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Colorado Bank & Trust Company, La Junta, 10/15/2006

Colorado, to establish a mobile branch to

operate out of the branch located at 23051 East

U.S. Highway 50, Pueblo, Colorado.

COLORADO BANK AND

TRUST COMPANY OF LA

JUNTA, THE

Newspaper:

Federal Register:

CIC 10/16/2006

10/10/2006

Notification by Sandra Freund, Littleton,

Colorado, and Duane M. Freund, Denver,

Colorado, as co-trustees of the Michael R.

Freund Irrevocable Trust #2; and Ali S.

Freund, and Lewis L. Johnson, both of Denver,

Colorado, as co-trustees of the Duane M.

Freund Irrevocable Trust #2; to retain control

of Commerce Bankshares, Inc., parent of

Commerce Bank, both in Aurora, Colorado.

COMMERCE BANKSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 10/20/2006

10/30/2006

First Miami Bancshares, Miami, Oklahoma, to

acquire up to 100 percent of the voting shares

of Bank of Billings, Billings, Missouri.

FIRST MIAMI BANCSHARES,

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

United Bank & Trust, Marysville, Kansas, to

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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending October 7, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

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

Newspaper:

Federal Register:

* 3A1 10/31/2006

10/26/2006

Highlands Bancshares, Inc., Dallas, Texas, to

become a bank holding company by acquiring

100 percent of First Jacksboro Bancshares,

Inc., Jacksboro, Texas, and indirectly acquire

First Jacksboro Bancshares of Delaware, Inc.,

Wilmington, Delaware, and The First National

Bank of Jacksboro, Jacksboro, Texas.

HIGHLANDS BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A5

4c8

10/20/2006

10/30/2006

Kleberg & Company Bankers, Inc., Kingsville,

Texas, and Kleberg Delaware, Inc., Dover,

Delaware, to acquire by merger 100 percent of

Brazosport Corporation, Corpus Christi, Texas,

and indirectly acquire Brazosport Corporation

- Nevada, Inc., Carson City, Nevada, and First

Commerce Bank, Corpus Christi, Texas.

Also, Kleberg & Company Bankers, Inc.,

Kingsville, Texas, and Kleberg Delaware, Inc.,

Dover, Delaware, will engage in nonbanking

activities pursuant to Section 225.28(b)(1) of

Regulation Y though the acquisition of an

existing company, First Commerce Mortgage

Corporation, Corpus Christi, Texas.

KLEBERG AND COMPANY

BANKERS, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending October 7, 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

Desert Community Bank, Victorville, 09/15/2006

California, to establish a branch facility at

48895 Phelan Road, Phelan, California.

DESERT COMMUNITY 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 companay 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