Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 46

Week Ending November 18, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions November 12, 2006 to November 18, 2006

Reserve Bank Services

Federal Reserve Priced Services and Private Sector Adjustment Factor -- 2007 fee 

schedules for priced services and electronic access, and a private sector adjustment 

factor.

- Approved, November 14, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
November 12, 2006 to November 18, 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 a branch at 1699 North 

Woodland Boulevard, DeLand, Florida.

- Approved, November 16, 2006 

Atlanta

Bank of St. Petersburg, Tampa, Florida -- to establish a branch at 3001 Cove Bend 

Drive.

- Approved, November 16, 2006 

Atlanta

Comerica Bank, Detroit, Michigan -- to establish a branch at 3025 El Camino Real, 

Tustin, California.

- Approved, November 14, 2006 

Secretary

Comerica Bank, Detroit, Michigan -- to establish branches at 1503 Eldridge 

Parkway, Houston, Texas; 8899 Katy Freeway, and 10489 Briar Forest Drive.

- Approved, November 14, 2006 

Secretary

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 28880 Lorain Road, 

North Olmstead.

- Approved, November 15, 2006 

Cleveland

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 1614 Washington 

Road, Upper St. Clair, Pennsylvania.

- Approved, November 15, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 6173 

Telegraph Road, Oakville, Missouri.

- Approved, November 17, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority November 12, 2006 to November 18, 2006

Bank Branches, Domestic

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 704 East 

Roosevelt Road, Glen Ellyn, Illinois.

- Approved, November 17, 2006 

Cleveland

First Charter Bank, Charlotte, North Carolina -- to establish a branch at the 

intersection of Highway 16 and Cureton Parkway, Waxhaw.

- Approved, November 15, 2006 

Richmond

First Community Bank, Taos, New Mexico -- to establish a branch at the southwest 

corner of Lohman Avenue and Foothills Road, Las Cruces.

- Approved, November 16, 2006 

Secretary

Johnson Bank, Racine, Wisconsin -- to establish a branch at 1740 Condor Lane, 

Green Bay.

- Approved, November 17, 2006 

Chicago

Orion Bank, Naples, Florida -- to establish a branch at 2150 Goodlette Road North.

- Approved, November 13, 2006 

Atlanta

Placer Sierra Bank, Auburn, California -- to establish a branch at 2051 Arena 

Boulevard, Sacramento.

- Approved, November 15, 2006 

San Francisco

Bank Holding Companies

1st Jackson Bancshares, Inc., Stevenson, Alabama -- to acquire The Peoples 

Bancshares, Inc., Sardis, Tennessee, and Peoples Bank.

- Approved, November 15, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority November 12, 2006 to November 18, 2006

Bank Holding Companies

1st Pacific Bancorp, La Jolla, California -- to become a bank holding company and 

to acquire 1st Pacific Bank of California.

- Approved, November 16, 2006 

San Francisco

American Banking Company, Moultrie, Georgia -- waiver of application in 

connection with the acquisition of Tri-County Bank, Trenton, Florida.

- Granted, November 16, 2006 

Atlanta

Ameris Bancorp, Moultrie, Georgia -- to merge with Islands Bancorp, Beaufort, 

South Carolina, and thereby acquire Islands Community Bank, National 

Association. 

- Approved, November 16, 2006 

Atlanta

Arcadia Financial Corporation, Raymore, Missouri; and Community Bank of 

Pleasant Hill, Pleasant Hill, a de novo bank -- for Arcadia Financial Corporation to 

become a bank holding company and to acquire 52.26 percent of the shares of 

Community Bank of Pleasant Hill; for LoLyn Financial Corporation, Raymore, to 

acquire 60 percent of the shares of Arcadia Financial Corporation, and for 

Community Bank of Pleasant Hill to become a member of the Federal Reserve 

System.

- Approved, November 17, 2006 

Kansas City

Central Financial Holdings, Inc., Tampa, Florida -- to become a bank holding 

company and to acquire Central Bank, a de novo bank.

- Approved, November 16, 2006 

Atlanta

CPB Bancshares, Inc., Church Point, Louisiana -- to become a bank holding 

company and to acquire Church Point Bank and Trust Company.

- Approved, November 16, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority November 12, 2006 to November 18, 2006

Bank Holding Companies

FBOP Corporation, Oak Park, Illinois -- to acquire United Financial Holdings, Inc., 

Lisle, and thereby acquire United Community Bank of Lisle.

- Approved, November 17, 2006 

Chicago

Heywood Bancshares, Inc., Northfield, Minnesota -- to become a bank holding 

company and to acquire The First National Bank of Northfield.

- Approved, November 16, 2006 

Minneapolis

Integra Bank Corporation, Evansville, Indiana -- waiver of application to acquire 

Prairie Financial Corporation, Bridgeview, Illinois; and for Prairie Bank and Trust 

Company to merge with Integra Bank National Association, Evansville.

- Granted, November 17, 2006 

St. Louis

Lehman Brothers Holdings Inc., New York, New York; Lehman Brothers Bancorp 

Inc.; and Lehman Brothers Bank, FSB, Wilmington, Delaware -- waiver of 

application in connection with the proposal for Lehman Brothers Bank, FSB to 

acquire Capital Crossing Bank, Boston, Massachusetts.

- Granted, November 13, 2006 

New York

Northstar Financial Group, Inc., Bad Axe, Michigan -- to acquire Valley Financial 

Corp., Caro, and thereby acquire Community Bank.

- Approved, November 15, 2006 

Chicago

Oglethorpe Bank Holding Company, Brunswick, Georgia -- to become a bank 

holding company and to acquire Oglethorpe Bank.

- Approved, November 17, 2006 

Atlanta

Trans Pacific Bancorp, San Francisco, California -- to purchase loan participations 

from its subsidiary, Trans Pacific National Bank.

- Approved, November 16, 2006 

San Francisco

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority November 12, 2006 to November 18, 2006

Bank Holding Companies

United Bancorporation, Osseo, Wisconsin -- to merge with Midwest 

Bancorporation, Billings, Montana.

- Approved, November 16, 2006 

Minneapolis

Valley View Bancshares, Inc., Overland Park, Kansas -- waiver of application in 

connection with the proposed merger of Security Bank of Kansas City, Kansas City, 

with First Community Bank.

- Granted, November 17, 2006 

Kansas City

Bank Mergers

Citizens Security Bank & Trust Company, Bixby, Oklahoma -- to merge with The 

First Bank of Haskell, Haskell, and thereby establish a branch.

- Approved, November 16, 2006 

Kansas City

United Bank & Trust, Marysville, Kansas -- to purchase certain assets and assume 

certain liabilities of the branch of Armed Forces Bank, National Association, Fort 

Leavenworth, at 2000 North Tuttle Creek Boulevard, Manhattan, and establish a 

branch at that location.

- Approved, November 13, 2006 

Secretary

Bank Premises

The Bank of Commerce, Wetumka, Oklahoma; Wetumka, Oklahoma -- to increase 

its investment in bank premises.

- Approved, November 16, 2006 

Kansas City

Change In Bank Control

Commercial Bancshares, Inc., Bloomington, Minnesota -- change in bank control.

- Permitted, November 15, 2006 

Minneapolis

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority November 12, 2006 to November 18, 2006

Change In Bank Control

United Community Bancshares, Inc., Gonzales, Louisiana -- change in bank control.

- Permitted, November 16, 2006 

Atlanta

Competitive Factors Reports

Community Bank of Dearborn, Dearborn, Michigan -- report on competitive factors 

of the proposed merger with Fidelity Bank, Birmingham.

- Submitted, November 13, 2006 

Chicago

Northstar Bank, Bad Axe, Michigan -- report on competitive factors of the proposed 

merger with Community Bank, Caro.

- Submitted, November 17, 2006 

Chicago

Financial Holding Companies

Dakota Community Banshares, Inc., Hebron, North Dakota -- election to become a 

financial holding company.

- Effective, November 14, 2006 

Minneapolis

Northstar Financial Group, Inc., Bad Axe, Michigan -- election to become a 

financial holding company.

- Effective, November 14, 2006 

Chicago

International Operations

Wells Fargo Bank, National Association, San Francisco, California -- waiver of 

remainder of notification period to establish a branch in London, England.

- Granted, November 14, 2006 

Director, BS&R

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority November 12, 2006 to November 18, 2006

Membership

The First National Bank and Trust Company of Minden, Minden, Nebraska -- to 

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

a state charter.

- Approved, November 17, 2006 

Kansas City

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on October 24-25, 2006.

- Published, November 15, 2006 

FOMC

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

Federal Reserve Bank of Boston

Filings received during the week ending November 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The Royal Bank of Scotland plc, Edinburgh,

Scotland to establish a branch at 600

Steamboat Road, Greenwich, Connecticut

pursuant to section 211.24(a)(1) of Regulation

K.

ROYAL BANK OF SCOTLAND

PLC, THE

* 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 November 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Banca Intesa S.p.A., Milan, Italy (?Intesa?)

request to engage indirectly in certain

nonbanking activities conducted thru Banca

IMI Securities Corp. New York, New York,

following the merger of Sanpaolo IMI S.p.A.,

Milan, Italy, with and into Intesa.

BANCA INTESA S.P.A.

Newspaper:

Federal Register:

* Branch

Not applicable

Banco Popular North America, New York, 11/17/2006

New York to open two new domestic branches,

located at 2 South Orange Avenue, Orlando

(Orange County), Florida (RSSD# 3489633)

and 8885 S. Dadeland Boulevard, Miami

(Miami-Dade County), Florida. (RSSD#

3489624)

BANCO POPULAR NORTH

AMERICA

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The Bank of Nova Scotia, Halifax, Canada,

requests prior approval from the Board of

Governors of the Federal Reserve System to

establish a branch office in Houston, Texas,

pursuant to Section 211.24(a)(1)(i)(A) of

Regulation K.

BANK OF NOVA SCOTIA, THE

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Manufacturers and Traders Trust Company, 12/06/2006

Buffalo, New York, to merge M&T New Jersey

Interim Bank, Palisades Park, New Jersey, with

and into M&T Bank, Buffalo, New York,

under Section 18(c) of the Federal Deposit

Insurance Act and, incident thereto, under

Section 9 of the Federal Reserve Act, to

establish a branch in Palisades Park, New

Jersey.

MANUFACTURERS AND

TRADERS TRUST COMPANY

* 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 November 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

HNB Bancorp, Inc, Halifax, PA, to form a

bank holding company by acquiring 100% of

the voting shares of Halifax National Bank,

Halifax, PA, pursuant to Section 225.17 of

Regulation Y.

HNB BANCORP INC

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Luzerne National Bank, Luzerne, PA, to

become a member of the Federal Reserve

System.

LUZERNE NATIONAL BANK

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

1945247 UNITED BK OF PHILADELPHIA, PHILADELPHIA, PENNSYLVANIA 06/19/2006 11/09/2006 O Small Bank

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 November 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/22/2006

Notice of Change in Bank Control filed by the

Reckman Group of their intent to acquire up to

96.50 percent of the outstanding voting shares

of Columbia Bancorp, Inc., Cincinnati, Ohio.

COLUMBIA BANCORP, INC

Newspaper:

Federal Register:

* 3A3 Not available

12/11/2006

First Corbin Bancorp, Inc., Corbin, Kentucky,

proposes to acquire Boone National Bank,

Burlington, KY and the following bank

holding companies and their subsidiary banks:

Tri-County Bancorp, Inc., Corbin, KY

(Tri-County National Bank, Corbin, KY);

Laurel Bancorp, Inc., Corbin, KY (Laurel

National Bank, London, KY); Williamsburg

Bancorp, Inc., Corbin, KY (Williamsburg

National Bank, Williamsburg, KY);

Campbellsville Bancorp, Inc., Corbin, KY

(Campbellsville National Bank,

Campbellsville, KY); PRP Bancorp, Inc.,

Corbin, KY (PRP National Bank, Pleasure

Ridge Park, KY); Somerset Bancorp, Inc.,

Corbin, KY (Somerset National Bank,

Somerset, KY); and Green County Bancshares,

Inc., Corbin, KY, (Deposit Bank & Trust,

Greensburg, KY)

FIRST CORBIN BANCORP,

INC.

Newspaper:

Federal Register:

CIC Not available

12/05/2006

Notice of Change in Bank Control on behalf of

Mr Thurman Mathews and Mrs Rose Marie

Mathews. The Mathews' became the single

largest shareholder group owning in excess of

10% of Ohio State Bancshares, Inc, Marion,

Ohio.

Notice of Change in Bank Control on behalf of

Mr Thurman Mathews and Mrs Rose Marie

Mathews. The Mathews' became the single

largest shareholder group owning in excess of

10% of Ohio State Bancshares, Inc, Marion,

Ohio.

OHIO STATE BANCSHARES,

INC.

* 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

1017425 KILLBUCK SVG BK CO, KILLBUCK, OHIO 08/14/2006 10/30/2006 S Int Sm Bank

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 November 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Charter Bank, Charlotte, North Carolina,

to merge with Gwinnett Banking Company,

Lawrenceville, Georgia.

FIRST CHARTER BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

RBC Centura Bank, Raleigh, North Carolina, 12/13/2006

to acquire certain assets and assume certain

liabilities of 39 branches of Regions Bank,

Birmingham, Alabama.

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Heritage Bank, Fairfax, Virginia, 12/04/2006

proposes to establish a branch at 13986

Metrotech Drive, Chantilly, Virginia.

VIRGINIA HERITAGE 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

3019982 FREEDOM BK OF VIRGINIA, VIENNA, VIRGINIA 07/17/2006 10/09/2006 S Small Bank

549826 PAMPLICO B&TC, PAMPLICO, SOUTH CAROLINA 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: 6

Federal Reserve Bank of Atlanta

Filings received during the week ending November 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 12/02/2006

12/11/2006

ATB Holdings, LLC, Birmingham, Alabama,

to become a bank holding company by

acquiring 25 percent of the outstanding shares

of Guardian Bancshares, Inc., and its

subsidiary Alabama Trust Bank, N.A., both of

Sylacauga, Alabama.

ATB HOLDINGS, LLC

Newspaper:

Federal Register:

* 3A1 12/04/2006

12/07/2006

Business First Bancshares, Inc., Baton Rouge,

Louisiana, to become a bank holding company

by acquiring 100 percent of the outstanding

shares of Business First Bank, Baton Rouge,

Louisiana.

BUSINESS FIRST

BANCSHARES, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caja de Ahorros de Valencia, Castellon y

Alicante (Bancaja), Valencia, Spain, to convert

an international agency to a branch office in

Miami, Florida.

CAJA DE AHORROS DE

VALENCIA, CASTELLON Y

ALICANTE, BANCAJA

Newspaper:

Federal Register:

* Branch

Not applicable

CapitalSouth Bank, Birmingham, Alabama, to 11/27/2006

establish a branch located at 53 Hughes Road,

Madison, Alabama.

CAPITALSOUTH BANK

Newspaper:

Federal Register:

* 3A1 12/04/2006

12/14/2006

Century Bancshares of Florida, Inc., to become

a bank holding company by acquiring 100

percent of the outstanding shares of Century

Bank of Florida, both of Tampa, Florida.

CENTURY BANCSHARES OF

FLORIDA, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Florida Bank, Naples, Florida, to 11/30/2006

establish a branch located at 16451 Health

Park Commons Drive, Fort Myers, Florida, to

be known as the First Florida Bank Health

Park Office.

FIRST FLORIDA BANK

Newspaper:

Federal Register:

* 3A1 12/08/2006

11/24/2006

First NBC Bank Holding Company, to become

a bank holding company by acquiring 100

percent of the outstanding shares of First NBC

Bank, both of New Orleans, Louisiana.

FIRST NBC BANK HOLDING

COMPANY

Newspaper:

Federal Register:

* 3A3 12/14/2006

12/15/2006

Hancock Holding Company, Gulfport,

Mississippi, to acquire 100 percent of the

outstanding shares of Hancock Bank of

Alabama, Mobile, Alabama (in organization).

HANCOCK HOLDING

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Marine Bank, Marathon, Florida, to establish a 12/01/2006

branch located at 100290 Overseas Highway,

Key Largo, Florida.

MARINE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 11/25/2006

branches at the following locations: 12410

Fairwood Parkway, Bowie, Maryland, to be

known as the Fairwood Green Safeway Office;

and 24 Kent Town Market, Chester, Maryland,

to be known as the Kent Towne Safeway

Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* 3A5 Not available

12/08/2006

Whitney Holding Company, New Orleans,

Louisiana, to merge with Signature Financial

Holdings, Inc., and thereby acquire its

subsidiary, Signature Bank, both of St.

Petersburg, Florida.

WHITNEY HOLDING

CORPORATION

* 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

861434 ALIANT BK, ALEXANDER CITY, ALABAMA 04/11/2005 10/09/2006 S Large Bank

749635 AUBURNBANK, AUBURN, ALABAMA 07/17/2006 11/05/2006 S Int Sm Bank

424035 FIRST AMER BK, BIRMINGHAM, ALABAMA 05/01/2006 11/09/2006 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending November 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A1

11/26/2006

11/27/2006

Capitol Bancorp Ltd., Lansing, Michigan, to

indirectly acquire 51 percent of the voting

shares of Bank of Tacoma (in organization),

Tacoma, Washington, and Capitol

Development Bancorp Limited VI, Lansing,

Michigan, to become a bank holding company

by directly acquiring 51 percent of the voting

shares of Bank of Tacoma (in organization),

Tacoma, Washington.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3

* 3A1

12/01/2006

12/07/2006

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited VI,

Lansing, Michigan, to indirectly acquire 51

percent of the voting shares of Larimer

Commerce Bank (in organization), Fort

Collins, Colorado, and Capitol Bancorp

Colorado Ltd. II, Lansing, Michigan, to

become a bank holding company by directly

acquiring 51 percent of the voting shares of

Larimer Commerce Bank (in organization),

Fort Collins, Colorado.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Century Bancshares, Inc., Schaller, Iowa, to

engage de novo in extending credit and

servicing loans.

CENTURY BANCSHARES,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Farmers & Mechanics Bank, Galesburg, IL, to 11/30/2006

establish a mobile bank branch serving Peoria,

Tazewell, Woodford, Knox, and Warren

Counties all located in Illinois.

FARMERS AND MECHANICS

BANK, THE

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First American Bank, Fort Dodge, Iowa, to

merge with First American Bank, NA, Naples,

Florida. As a result of this merger, all offices

of First American Bank, NA, Naples, Florida,

will become branches of First American Bank,

Fort Dodge.

FIRST AMERICAN BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Johnson Bank, Racine, Wisconsin, to establish 11/10/2006

a branch facility to be located at 1740 Condor

Lane, Green Bay, Wisconsin.

JOHNSON BANK

Newspaper:

Federal Register:

* 3A5 12/08/2006

12/14/2006

Orion Bancorporation, Inc., Orion, Illinois, to

acquire 100 percent of the voting shares of

First Mid-America Bancorp, Inc., Annawan,

Illinois, and thereby indirectly acquire State

Bank of Annawan, Annawan, Illinois.

ORION BANCORPORATION,

INC.

Newspaper:

Federal Register:

* 3A3 11/18/2006

11/17/2006

Petefish, Skiles Bancshares, Inc., Virginia,

Illinois, to acquire 100 percent of the voting

shares of Chandlerville Bancshares, Inc.,

Chandlerville, Illinois, and thereby indirectly

acquire Peoples State Bank of Chandlerville,

Chandlerville, Illinois.

PETEFISH, SKILES

BANCSHARES, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending November 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Member

* 18C

* Branch

12/02/2006

11/27/2006

QCR Holdings, Inc., Moline, Illinois, to

acquire 100 percent of the voting shares of

Ridgeland Bancorp, Inc., Tony, Wisconsin,

and thereby indirectly acquire Farmers State

Bank, Ridgeland, Wisconsin, and the related

applications by Farmers State Bank,

Ridgeland, Wisconsin, to become a member of

the Federal Reserve System, and Farmers State

Bank, Ridgeland, Wisconsin, to merge with

Rockford Bank and Trust Company, Rockford,

Illinois, and thereby to establish a branch at

1133 Quail Court, Suite 100, Pewaukee,

Wisconsin.

QCR HOLDINGS, INC.

Newspaper:

Federal Register:

CIC Not available

11/21/2006

Notice by David R. Barnes, Racine, Wisconsin,

Francesca DeRose, Racine, Wisconsin, Nicolet

DeRose, Kenosha, Wisconsin, and Kari

Barnes, Tigard, Oregon, to collectively gain

control of Wisconsin Bancshares, Inc.,

Kenosha, Wisconsin, and thereby indirectly

acquire Banks of Wisconsin, Kenosha,

Wisconsin.

WISCONSIN BANCSHARES,

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

945941 BYRON BK, BYRON CENTER, MICHIGAN 07/10/2006 11/06/2006 S Large Bank

689740 F&M BK-IA, MARSHALLTOWN, IOWA 07/17/2006 11/15/2006 S Large Bank

1007846 FIRST MIDWEST BK, ITASCA, ILLINOIS 05/08/2006 10/30/2006 O 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 November 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 11/29/2006

establish a branch facility to be located at 420

S. Elm, Jenks, Oklahoma.

ARVEST BANK

Newspaper:

Federal Register:

Member Not applicable

Premises Not applicable

Ohio Valley National Bank of Henderson,

Henderson, Kentucky, to become a member of

the Federal Reserve System.

OHIO VALLEY NATIONAL

BANK OF HENDERSON

Newspaper:

Federal Register:

* 3A3

Not available

Old National Bancorp, Evansville, Indiana, to 12/18/2006

acquire 100 percent of St. Joseph Capital

Corporation, Mishawaka, Indiana, and thereby

indirectly acquire St. Joseph Capital Bank,

Mishawaka, Indiana.

OLD NATIONAL BANCORP

Newspaper:

Federal Register:

CIC 12/11/2006

12/01/2006

Notice by Terry L. Bunnell, Glasgow,

Kentucky; Gil R. Cowles, Rockfield, Kentucky;

Vernon D. Landers, Jr., Glasgow, Kentucky;

Brandon W. Morgan, Paducah, Kentucky;

Billy B. Morgan, Benton, Kentucky; Roy D.

Phillips, Marion, Kentucky; Patrick B. Ragan,

Dickson, Kentucky; and Ted H. Williams,

Dickson, Kentucky, as a group acting in

concert, to gain control of Peoples-Marion

Bancorp, Inc., Marion, Kentucky.

PEOPLES-MARION BANCORP,

INC.

Newspaper:

Federal Register:

* 3A1 12/01/2006

12/01/2006

The McGehee Bank Employee Stock

Ownership Plan, McGehee, Arkansas, to

become a bank holding company by acquiring

up to 28 percent of Southeast Financial

Bankstock Corporation, McGehee, Arkansas,

and thereby indirectly acquire McGehee Bank,

McGehee, Arkansas.

THE MCGHEE BANK

EMPLOYEE STOCK

OWNERSHIP PLAN

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending November 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

12/01/2006

Alerus Financial Corporation, Grand Forks,

North Dakota, to acquire 100 percent of Alerus

Interim, National Association, Minnetonka,

Minnesota, which will be merged with Stanton

Trust Company, National Association, and the

resulting institution will immediately thereafter

be merged into Alerus Financial, National

Association, Grand Forks, North Dakota.

ALERUS FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

12/07/2006

B & E Investments Inc., (State Bank of

Arcadia) Employee Stock Ownership Plan &

Trust, Arcadia, Wisconsin, and B & E

Investments, Inc., Bloomer, Wisconsin,

propose to acquire 100% of John O. Melby &

Co. Bank, Whitehall, Wisconsin.

B & E INVESTMENTS, INC.,

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Security Bank of Missoula, Missoula,

Montana, to merge with Citizens State Bank of

Hamilton, Hamilton, Montana and incident

thereto proposes to establish branches at 100

Main Street, Hamilton, Montana, and 297

Woodside Cutoff Road, Corvallis, Montana.

FIRST SECURITY BANK OF

MISSOULA

Newspaper:

Federal Register:

* 3A5 Not available

12/04/2006

Franklin Bancorp, Inc., Saint Paul, Minnesota,

to acquire 100 percent of University Financial

Corp., Saint Paul, Minnesota, and thereby

indirectly acquire University National Bank,

Saint Paul, Minnesota.

FRANKLIN BANCORP, INC.

DBA SUNRISE COMMUNITY

BANKS

Newspaper:

Federal Register:

CIC Not available

11/27/2006

Change in control notice by Dennis Duane

Haugen, Portland, North Dakota, to acquire 10

percent or more of the shares of Full Service

Insurance Agency, Inc., Buxton, North Dakota

and thereby indirectly acquire control of First

State Bank, Buxton, North Dakota.

FULL SERVICE INSURANCE

AGENCY, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Glacier Bank, Kalispell, Montana to merge

with First Citizens Bank, N.A., Columbia

Falls, Montana and incident thereto proposes

to establish branches at 540 Nucleus, Columbia

Falls, Montana and 490 Reserve Drive,

Kalispell, Montana.

GLACIER BANK

Newspaper:

Federal Register:

CIC Not available

11/13/2006

Change in control notice by Edward Kent

Christian, Kiester, Minnesota, Edward T.

Christian Revocable Trust, Edward Kent

Christian and Edna Christian Co-trustees, Fred

Friedrichsen, Glenville, Minnesota, Edna

Evelyn Christian, Albert Lea, Minnesota,

individually and as a group acting in concert to

acquire 25 percent or more of the shares of

Kiester Investments, Inc., Kiester, Minnesota

and thereby indirectly acquire control of First

State Bank of Kiester, Kiester, Minnesota.

KIESTER INVESTMENTS, INC.

Newspaper:

Federal Register:

* 3A3 Not available

12/15/2006

Marquette Financial Companies, Minneapolis,

Minnesota, to acquire 100 percent of First

Commerce Bank, Corpus Christi, Texas.

MARQUETTE FINANCIAL

COMPANIES

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending November 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Western Security Bank, Billings, Montana, to

merge with First Citizens Bank of Billings,

Billings, Montana and incident thereto

proposes to establish six branches.

WESTERN SECURITY BANK

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

2999845 WESTERN SCTY BK, BILLINGS, MONTANA 07/24/2006 11/02/2006 S Int Sm 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 November 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/30/2006

12/01/2006

Notification by Byron Dirk Bagenstos,

individually and as Trustee of the Byron Dirk

Bagenstos 2002 Trust, to acquire control of

Alfalfa County Bancshares, Inc., parent of

ACB Bank, all of Cherokee, Oklahoma.

ALFALFA COUNTY

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Nichols Hills, to establish a branch at 11/20/2006

7400 N. Western, both in Oklahoma City,

Oklahoma.

BANK OF NICHOLS HILLS

Newspaper:

Federal Register:

* 3A1 Not available

12/04/2006

Community Bancshares of Kansas, Inc., Goff,

Kansas, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of Nemaha Investment Company,

Inc., Merriam, Kansas, parent of First State

Bank of Goff, Goff, Kansas.

COMMUNITY BANCSHARES

OF KANSAS, INC.

* 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

7456 BANK OF HARTINGTON, HARTINGTON, NEBRASKA 07/31/2006 11/01/2006 S Small Bank

83450 CENTENNIAL BK W, FORT COLLINS, COLORADO 03/20/2006 09/07/2006 S Large Bank

14258 JACKSON ST BK & TR, JACKSON, WYOMING 07/10/2006 10/11/2006 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 November 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 12/15/2006

12/15/2006

ONB Bancshares, Inc., Ozona, Texas, to

become a bank holding company by acquiring

100 percent of The Ozona National Bank,

Ozona, Texas.

ONB BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

473266 TEXAS FIRST BK, TEXAS CITY, TEXAS 08/07/2006 11/13/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending November 18, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 12/15/2006

12/15/2006

1867 Western Financial Corporation, Stockton,

California, to acquire up to 9.9 percent of

Pacific Business Bancorp, and thereby

indirectly acquire shares of Pacific Business

Bank, both of Irvine, California.

1867 WESTERN FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

Not applicable

United Security Bank, Fresno, California, to

merge with Legacy Bank, N.A., Campbell,

California.

UNITED SECURITY BANK

* 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