Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 32

Week Ending August 12, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions August 6, 2006 to August 12, 2006

Bank Branches, Domestic

Citizens First State Bank of Walnut, Walnut, Illinois -- to establish a branch at 9226 

2125 North Avenue, Manlius.

- Approved, August 8, 2006 

Bank Holding Companies

Juniata Valley Financial Corp., Mifflintown, Pennsylvania -- to acquire 39.2 percent 

of the shares of The First National Bank of Liverpool, Liverpool.

- Approved, August 10, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
August 6, 2006 to August 12, 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

1st Source Bank, South Bend, Indiana -- to establish a branch at 555 West 

Crosstown Parkway, Kalamazoo, Michigan.

- Approved, August 7, 2006 

Chicago

1st United Bank, Boca Raton, Florida -- to establish a branch at 1700 Palm Beach 

Lakes Boulevard, West Palm Beach.

- Approved, August 10, 2006 

Atlanta

Bank Iowa, Denison, Iowa -- to establish a branch at 17 Main Street, Charter Oak.

- Approved, August 11, 2006 

Chicago

Benchmark Community Bank, Kenbridge, Virginia -- to establish a branch at 1320 

Seymour Drive, South Boston.

- Approved, August 9, 2006 

Richmond

Community Bank of Bergen County, N.J., Maywood, New Jersey -- to establish a 

branch at 519 River Drive, Garfield.

- Approved, August 7, 2006 

New York

Compass Bank, Birmingham, Alabama -- to establish branches at 6900 Virginia 

Parkway, McKinney, Texas, and at the intersection of South Gilbert Road and West 

Warner Road, Gilbert, Arizona.

- Approved, August 10, 2006 

Atlanta

Compass Bank, Birmingham, Alabama -- to establish a branch at a kiosk at 

Sharpstown Mall, 7500 Bellarie Boulevard, Houston, Texas.

- Approved, August 11, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority August 6, 2006 to August 12, 2006

Bank Branches, Domestic

County Bank, Merced, California -- to establish a branch at 505 North Clovis 

Avenue, Fresno.

- Approved, August 8, 2006 

San Francisco

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1590 Lake 

Cood Road, Wheeling, Illinois.

- Approved, August 11, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1800 North 

Neltnor Boulevard, West Chicago, Illinois.

- Approved, August 11, 2006 

Cleveland

Regions Bank, Birmingham, Alabama -- to establish a branch at 2205 North Elm 

Street, Greensboro, North Carolina.

- Approved, August 10, 2006 

Atlanta

Waccamaw Bank, Whiteville, North Carolina -- to establish a temporary branch at 

925-5 Seaside Road Southwest, Ocean Isle Beach.

- Approved, August 9, 2006 

Richmond

Bank Holding Companies

Cross County Bancshares, Inc., Wynne, Arkansas -- to acquire 6.6 percent of the 

shares of Pinnacle Bancshares, Inc., Bentonville, and thereby acquire Pinnacle Bank.

- Approved, August 10, 2006 

St. Louis

Evergreen Bancshares, Inc., St. Louis, Missouri -- to become a bank holding 

company and to merge with Bancorp IV, Inc., Stilwell, Kansas, and thereby acquire 

Bank of Montgomery County, Wellsville, Missouri.

- Approved, August 10, 2006 

St. Louis

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

Bank Holding Companies

First Capital Bancorp, Inc., Glen Allen, Virginia -- to become a bank holding 

company and to acquire First Capital Bank.

- Approved, August 9, 2006 

Richmond

Glacier Bancorp, Inc., Kalispell, Montana -- to acquire First National Bank of 

Morgan, Morgan, Utah, through merger with New First National Bank of Morgan, 

an interim bank.

- Approved, August 9, 2006 

Minneapolis

Lonoke Bancshares, Inc., Lonoke, Arkansas -- to acquire 6.6 percent of the shares of 

Pinnacle Bancshares, Inc., Bentonville, and thereby acquire Pinnacle Bank.

- Approved, August 10, 2006 

St. Louis

Richey Bancorporation, Inc., Glendive, Montana -- to increase its ownership interest 

in Community First Bancorp, Inc. and thereby acquire Community First Bank.

- Approved, August 10, 2006 

Minneapolis

Rurban Financial Corp., Defiance, Ohio, and Rurbanc Data Services, Inc. -- to 

acquire Diverse Computer Marketers, Inc., Lansing, Michigan, and DCM Indiana, 

Inc., Plainfield, Indiana.

- Approved, August 10, 2006 

Cleveland

TransAtlantic Holding Corp., Miami, Florida -- to become a bank holding company 

and to acquire TransAtlantic Bank.

- Approved, August 8, 2006 

Secretary

U.S. Bancorp, Minneapolis, Minnesota -- to acquire Vail Banks, Inc., Avon, 

Colorado, and thereby acquire WestStar Bank, Vail.

- Approved, August 7, 2006 

Minneapolis

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority August 6, 2006 to August 12, 2006

Bank Holding Companies

U.S. Bancorp, Minneapolis, Minnesota; USB Holdings, Inc., and U.S. Bank 

National Association, Cincinnati, Ohio -- waiver of application to acquire interim 

national trust bank subsidiaries of U.S. Bank established to facilitate the acquisition 

of the corporate trust business from Wachovia Corporation, Charlotte, North 

Carolina, and simultaneously merge them with Wachovia's institutions in Alabama, 

Delaware, North Carolina, South Carolina, Tennessee, and Virginia; and for U.S. 

Bank Trust National Association, Wilmington, Delaware, to merge with U.S. Bank 

Trust Interim National Association, Delaware.

- Granted, August 7, 2006 

Minneapolis

Wachovia Corporation, Charlotte, North Carolina -- commenters' requests to extend 

the comment period on the application to acquire Golden West Financial 

Corporation, Oakland, California, and thereby acquire World Savings Bank, F.S.B., 

and World Savings Bank, FSB (Texas), Houston, Texas.

- Denied, August 10, 2006 

Secretary

Change In Bank Control

Gold Country Financial Services, Inc., Marysville, California -- change in bank 

control.

- Permitted, August 11, 2006 

San Francisco

Competitive Factors Reports

American Bank of Oklahoma, Collinsville, Oklahoma -- report on competitive 

factors of the proposed merger with Territory Bank, Muskogee.

- Submitted, August 10, 2006 

Kansas City

Cadence Bank, N.A., Starkville, Mississippi -- report on competitive factors of the 

proposed merger with Seasons Bank, Blairsville, Georgia.

- Submitted, August 8, 2006 

Secretary

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority August 6, 2006 to August 12, 2006

Competitive Factors Reports

First Mountain Bank, Big Bear Lake, California -- report on competitive factors of 

the proposed merger with FMB Merger Company.

- Submitted, August 7, 2006 

San Francisco

New York Commercial Bank, Islandia, New York -- report on competitive factors 

of the proposed merger with New York Municipal Bank, Flushing.

- Submitted, August 10, 2006 

New York

Regional Missouri Bank, Marceline, Missouri -- report on competitive factors of the 

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

Keytesville branch of Citizens Bank and Trust Company, Chillicothe.

- Submitted, August 10, 2006 

Kansas City

Republic Interim Bank, FSB, Louisville, Kentucky -- report on competitive factors 

of the proposed merger with GulfStream Community Bank, Port Richey, Florida.

- Submitted, August 8, 2006 

Secretary

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

merger with Bank of the Hills, National Association, Kerrville.

- Submitted, August 9, 2006 

Dallas

U.S. Bank National Association, Cincinnati, Ohio -- report on competitive factors of 

the proposed merger with WestStar Bank, Vail, Colorado.

- Submitted, August 7, 2006 

Minneapolis

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority August 6, 2006 to August 12, 2006

Competitive Factors Reports

U.S. Bank National Association, Cincinnati, Ohio -- report on competitive factors of 

the proposed mergers of interim national bank subsidiaries of U.S. Bank National 

Association with the bank to facilitate the acquisition of the corporate trust business 

from Wachovia Corporation, Charlotte, North Carolina, and the proposed merger of 

Wachovia Trust Company of Delaware, National Association, Wilmington, 

Delaware, with U.S. Bank Trust National Association.

- Submitted, August 8, 2006 

Minneapolis

U.S. Bank National Association, Cincinnati, Ohio -- report on competitive factors of 

the proposed mergers of interim national trust bank subsidiaries of U.S. Bank 

National Association with trust subsidiaries of Wachovia Corporation, Charlotte, 

North Carolina, to facilitate the acquisition of the corporate trust business from 

Wachovia in Alabama, Delaware, North Carolina, South Carolina, Tennessee, and 

Virginia; and the proposed merger of U.S. Bank Trust Interim National Association, 

Delaware, Wilmington, Delaware, with U.S. Bank Trust National Association.

- Submitted, August 8, 2006 

Minneapolis

Financial Holding Companies

Barron Investment Company, Inc., Golden Valley, Minnesota -- election to become 

a financial holding company.

- Effective, August 11, 2006 

Minneapolis

Landesbank Baden-Wuerttemberg, Stuttgart, Germany -- election to be treated as a 

financial holding company.

- Effective, August 7, 2006 

New York

Sparkassenverband Baden-Wurttemberg, Stuttgart, Germany, and Landesbank 

Baden-Wurttemberg -- elections to be treated as financial holding companies.

- Effective, August 7, 2006 

Director, BS&R

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

International Operations

Capital One Bank, Glen Allen, Virginia -- waiver of remainder of notification 

period to invest in Capital One Bank (Europe) plc, London, England.

- Granted, August 7, 2006 

Director, BS&R

Membership

Farmers Bank & Capital Trust Company, Frankfort, Kentucky -- to become a 

member of the Federal Reserve System.

- Approved, August 10, 2006 

St. Louis

Regulations And Policies

Regulation Z (Truth in Lending) -- annual adjustment of the dollar amount that 

triggers additional disclosure requirements for home mortgage loans with rates or 

fees above a certain amount (Docket No. R-1263).

- Approved, August 9, 2006 

Director, C&CA

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

Federal Reserve Bank of Boston

Filings received during the week ending August 12, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

08/05/2006

08/14/2006

Application by Fidelity Mutual Holding

Company and Life Design Holding Company,

both of Fitchburg, Massachusetts, to become a

mutual bank holding company and stock bank

holding company, respectively, by acquiring

Fidelity Co-operative Bank, Fitchburg,

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

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

1956, as amended.

FIDELITY MUTUAL HOLDING

COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Meridian Financial Sevices, Inc. and its

wholly-owned subsidiary, Meridian Interstate

Bancorp, Inc., both of East Boston,

Massachusetts, to acquire up to 40% of

Hampshire First Bank, Manchester, New

Hampshire (in formation) pursuant to section

3(a)(3) of the BHC Act.

Meridian Financial Sevices, Inc. and its

wholly-owned subsidiary, Meridian Interstate

Bancorp, Inc., both of East Boston,

Massachusetts, to acquire up to 40% of

Hampshire First Bank, Manchester, New

Hampshire (in formation) pursuant to section

3(a)(3) of the BHC Act.

MERIDIAN FINANCIAL

SERVICES, INC

Newspaper:

Federal Register:

* 3A3

* 3A5

08/18/2006

08/21/2006

Passumpsic Bancorp, Saint Johnsbury,

Vermont to acquire The Siwooganock Holding

Company, Inc. and its subsidiary bank, The

Siwooganock Bank, both of Lancaster, New

Hampshire, and to retain 10% of the voting

shares of Lancaster National Bank, Lancaster,

New Hampshire pursuant to sections 3(a)(3)

and 3(a)(5) of the Banking Holding Company

Act of 1956, as amended.

PASSUMPSIC BANCORP

Newspaper:

Federal Register:

* 3A5 Not available

* 3A3 Not available

Application by Webster Financial Corporation,

Waterbury, Connecticut to acquire NewMil

Bancorp, Inc. and its subsidiary bank, NewMil

Bank, both of New Milford, Connecticut,

pursuant to sections 3(a)(3) and 3(a)(5) of the

Bank Holding Company Act of 1956, as

amended.

WEBSTER FINANCIAL

CORPORATION

* 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 August 12, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/25/2006

Banco Bilbao Vizcaya Argentaria, S.A.,

Bilbao, Spain, proposes to acquire Texas

Regional Bancshares, Inc., McAllen, Texas;

Texas Regional Delaware, Inc., Wilmington,

Delaware; and thereby indirectly acquire Texas

State Bank, McAllen, Texas, pursuant to

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

Act of 1956, as amended.

BANCO BILBAO VIZCAYA

ARGENTARIA, S.A.

Newspaper:

Federal Register:

* 3A3 Not available

08/25/2006

Banco Bilbao Vizcaya Argentaria, S.A.,

Bilbao, Spain, proposes to acquire State

National Bancshares, Inc., Fort Worth, Texas;

State National Bancshares of Delaware, Inc.,

Dover, Delaware; and thereby indirectly

acquire State National Bank, Fort Worth,

Texas, pursuant to Section 3(a)(3) of the Bank

Holding Company Act of 1956, as amended.

BANCO BILBAO VIZCAYA

ARGENTARIA, S.A.

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 08/16/2006

Buffalo, New York, to establish a branch office

to be located at 11003 Manklin Creek Road,

Berlin, Worcester County, Maryland. (RSSD

#3397121)

MANUFACTURERS AND

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Export-Import Bank of Ukraine ("EXIM

Bank")Kiev, Ukraine, to establish a

representative office in New York, New York,

pursuant to Section 10(a) of the International

Banking Act of 1978, as amended, and Section

211.24(a)(1) of Regulation K.

STATE EXPORT-IMPORT

BANK OF UKRAINE, INC.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending August 12, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending August 12, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 07/29/2006

establish a branch at 1800 North Neltnor

Boulevard, West Chicago, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 07/29/2006

establish a branch at 1590 Lake Cood Road,

Wheeling, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 08/08/2006

establish a branch at 2250 66th Street North

St. Petersburg, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 08/18/2006

branch at 300 South Hamilton Road, Gahanna,

OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 08/18/2006

branch at 1566 Hal Greer Boulevard,

Huntington, WV.

FIFTH THIRD BANK

Newspaper:

Federal Register:

CIC 08/28/2006

08/30/2006

Interagency Notice of Change in Bank Control

filed by Jerome C. Kohlhepp, Edgewood, KY

of his intent to acquire up to 15.230 percent of

the outstanding common voting shares of FNB

Bancorporation, Inc., Fort Mitchell, KY.

FNB BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Perpetual Savings Bank, Wellsville, Ohio, to

merge with Sky Bank, Salineville, Ohio

PERPETUAL SAVINGS BANK

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Sky Financial Group, Inc., Bowling Green,

Ohio, proposes to acquire 100 percent of Wells

River Bancorp, Inc., Wellsville, Ohio, and

thereby indirectly acquire Perpetual Savings

Bank, Wellsville, Ohio.

SKY FINANCIAL GROUP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

SV Bancorp, Inc., Wyoming, Ohio, to become

a bank holding company by acquiring 100

percent of the voting shares of Spring Valley

Bank, Wyoming, Ohio

SV Bancorp, Inc

Newspaper:

Federal Register:

CIC

Not available

Union Bank and Trust Company, Lincoln, NB 08/30/2006

and Thomas Milton Hasse, Lincoln, NB as

trustees of the Barbara Dunlap Yaltaghian

Trust intend to acquire up to 44.520 percent of

the outstanding voting shares of New

Richmond Bancorporation, New Richmond,

OH.

Union Bank and Trust Company, Lincoln, NB

and Thomas Milton Hasse, Lincoln, NB as

trustees of the Barbara Dunlap Yaltaghian

Trust intend to acquire up to 44.520 percent of

the outstanding voting shares of New

Richmond Bancorporation, New Richmond,

OH.

UNION BANK AND TRUST

COMPANY

* 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 August 12, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/31/2006

08/23/2006

Notice by Robert Milam, Jr. to individually

retain control of 17.61% of the voting shares of

Big Coal River Bancorp, Inc., Whitesville,

West Virginia. Additionally, Robert Milam,

Jr., Robert Milam, Melissa Milam, Jada

Milam, Kevin Milam, Lloyd Jarrell, and other

members of the Milam family, as a group

acting in concert, to retain control of 18.46%

of the voting shares of Big Coal River

Bancorp, Inc., Whitesville, West Virginia.

BIG COAL RIVER BANCORP,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Four Oaks Bank & Trust Company, Four Oaks, 08/25/2006

North Carolina, proposes to establish a branch

at 830 Spring Lane, Sanford, North Carolina.

FOUR OAKS BANK & TRUST

COMPANY

Newspaper:

Federal Register:

5B Not applicable

Not applicable

Wachovia Bank, National Association,

Charlotte, North Carolina, to establish a bank

service company to engage in leasing activities.

WACHOVIA BANK,

NATIONAL ASSOCIATION

* 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 August 12, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/03/2006

09/08/2006

Florida Bank Group, Inc., Tampa, Florida, to

acquire 100 percent of the outstanding shares

of Bank of North Florida, Jacksonville, Florida

(in organization).

FLORIDA BANK GROUP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 08/15/2006

establish a branch located at the northeast

corner of I-35 and Onion Creek Parkway,

Austin Texas.

REGIONS BANK

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Regions Financial Corporation, Birmingham,

Alabama, to merge with AmSouth

Bancorporation, and thereby acquire its

subsidiary, AmSouth Bank, both of

Birmingham, Alabama.

REGIONS FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Sun American Bank, Boca Raton, Florida, to

acquire certain assets and assume certain

liabilities of Beach Bank, North Miami Beach,

Florida.

SUN AMERICAN BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 08/24/2006

branches at the following locations: 4001 SE

Federal Highway, Stuart, Florida, to be known

as the Stuart Wal-Mart Office; and 2846 SW

Town Center Way, Palm City, Florida, to be

known as the Palm City Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

2906311 NEIGHBORHOOD CMNTY BK, NEWNAN, GEORGIA 04/17/2006 08/03/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 12, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/21/2006

Expeditious Action - Anita Bancorporation,

Atlantic, Iowa, to acquire 100 percent of the

voting shares of The First National Bank of

Brewster, Brewster, Minnesota.

ANITA BANCORPORATION

Newspaper:

Federal Register:

* 3A3 08/26/2006

08/25/2006

Capitol Bancorp, Ltd., Lansing, Michigan, and

Capitol Development Bancorp Limited V,

Lansing, Michigan, to acquire 51 percent of

the voting shares of Ohio Commerce Bank (in

organization), Beachwood, Ohio.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 08/26/2006

08/28/2006

Capitol Bancorp, Ltd., Lansing, Michigan, and

Capitol Development Bancorp Limited V,

Lansing, Michigan, to acquire 51 percent of

the voting shares of Bank of Maumee (in

organization), Maumee, Ohio.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Capitol Bancorp Limited, Lansing, Michigan,

and Capitol Development Bancorp Limited V,

Lansing, Michigan, to acquire 51 percent of

the voting shares of 1st Commerce Bank (in

organization), North Las Vegas, Nevada.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

two branch facilities to be located at 6255 W.

Sunset Blvd., Los Angeles, California and

19150 Preston Road, Dallas, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 1000 Aviara

Parkway, Carlsbad, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

First Midwest Bank, Itasca, Illinois, to

establish a branch facility to be located at

16051 Weber Road, Crest Hill, Illinois.

FIRST MIDWEST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 08/09/2006

Wisconsin, to establish a branch facility to be

located at 18157 Carson Street, Elk River,

Minnesota.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Marquette Bank, Chicago, Illinois, to merge

with Hemlock Federal Bank for Savings, Oak

Forest, Illinois, and thereby to establish 6

branches.

MARQUETTE BANK

Newspaper:

Federal Register:

CIC 08/20/2006

08/23/2006

Notice by Ida R. Noll, Springfield, Illinois, to

acquire additional shares of 16.50 percent of

the outstanding common stock of Midland

Bancshares, Inc., Kincaid, Illinois, and thereby

indirectly increase ownership of Midland

Community Bank, Kincaid, Illinois.

MIDLAND BANCSHARES,

INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 12, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Member

* 18C

09/05/2006

Ogden Bancshares, Inc., Ames, Iowa, to

acquire 100 percent of VisionBank (in

organization), West Des Moines, Iowa;

VisionBank (in organization), West Des

Moines, Iowa, to become a member of the

Federal Reserve System; and VisionBank (in

organization), West Des Moines, Iowa, to

purchase the assets and assume the liabilities

of the Grimes, Iowa and the West Des Moines,

Iowa branches of Community Bank of Boone,

Boone, Iowa.

OGDEN BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

The ShoreBank Corporation, Chicago, Illinois,

to acquire 100 percent of the voting shares of

Greater Chicago Bank, Bellwood, Illinois.

SHOREBANK CORPORATION,

THE

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

UnionBank, Streator, Illinois, to merge with

Centrue Bank, Kankakee, Illinois, and thereby

to establish 20 branches.

UNIONBANK

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 12, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/31/2006

09/01/2006

Exchange Bancshares, Inc., Mayfield,

Kentucky, to acquire 100 percent of Purchase

Area Bancorp, Inc., Bardwell, Kentucky, and

thereby indirectly acquire Bardwell Deposit

Bank, Bardwell, Kentucky.

EXCHANGE BANCSHARES,

INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

First Bank, St. Louis, Missouri, to purchase 09/07/2006

certain assets and assume deposit and certain

other liabilities of three branches of

MidAmerica National Bank, Canton, Illinois,

and to retain the acquired facilities as

branches.

FIRST BANK

Newspaper:

Federal Register:

* 3A3

* 3A1

09/11/2006

09/11/2006

Independence Bancshares, Inc., Owensboro,

Kentucky, to acquire 100 percent of

Community Bancorp of McLean County,

Kentucky, Inc., Island, Kentucky, and thereby

indirectly acquire First Security Bank and

Trust, Island, Kentucky. Also a companion

application by Independence Bancshares

Acquisition, LLC., Owensboro, Kentucky, to

become a bank holding company by acquiring

100 percent of Community Bancorp of McLean

County, Island, Kentucky, and thereby

indirectly acquire First Security Bank and

Trust Company, Island, Kentucky.

INDEPENDENCE

BANCSHARES, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending August 12, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/18/2006

Jon W. Neumann, Hawley, Minnesota, to gain

control of First Hawley Bancshares, Inc.,

Hawley, Minnesota, and thereby indirectly gain

control of First National Bank, Hawley,

Minnesota.

FIRST HAWLEY

BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

08/31/2006

Retroactive Notice by Independent Bancshares,

Inc., Clarkfield, Minnesota, to engage de novo

in extending credit and servicing loans.

INDEPENDENT

BANCSHARES, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 12, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/01/2006

09/05/2006

First Liberty Capital Corporation Employee

Stock Ownership Plan, to acquire an additional

1.59 percent for a total of 31.39 percent of the

voting shares of the First Liberty Capital

Corporation, parent of The First National Bank

of Hugo, all of Hugo, Colorado.

FIRST LIBERTY CAPITAL

CORPORATION EMPLOYEE

STOCK OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A3 Not available

08/24/2006

FirsTier II Bancorp., to acquire 100 percent of

the voting shares of FirsTier Bancorp I, both in

Cheyenne, Wyoming, parent of FirsTier Bank,

Wyoming, Upton, Wyoming.

FIRSTIER II BANCORP.

Newspaper:

Federal Register:

* Branch

Not applicable

Security State Bank, Basin, Wyoming, to 08/15/2006

establish a branch at 625 E. 5th Street, Suite

103, Sheridan, Wyoming.

SECURITY STATE BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Union Colony Bank, Greeley, Colorado, to

establish a branch at 2205 1st Avenue,

Greeley, Colorado.

UNION COLONY BANK

* 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

311050 AMERICAN HERITAGE BK, SAPULPA, OKLAHOMA 04/24/2006 08/01/2006 S Int Sm Bank

277053 FIRST ST BK OF HOTCHKISS, HOTCHKISS, COLORADO 05/01/2006 07/27/2006 S Small Bank

440352 UNION COLONY BK, GREELEY, COLORADO 04/17/2006 07/27/2006 S Large 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 August 12, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

SB&T Holding, Inc., Carrollton, Texas, to

become a bank holding company by acquiring

100 percent of State Bank and Trust Company,

Dallas, Texas.

SB&T HOLDING, INC.

Newspaper:

Federal Register:

* 3A5 08/28/2006

08/25/2006

Sterling Bancshares, Inc., Houston, Texas, and

Sterling Bancorporation, Inc., Wilmington,

Delaware, to acquire by merger 100 percent of

BOTH, Inc., Kerrville, Texas, and therefore

indirectly acquire BOTH of Delaware, Inc.,

Wilmington, Delaware, and Bank of the Hills,

National Association, Kerrville, Texas.

STERLING 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

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 August 12, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice by Brett D. Barker Bank Stock Fund, 08/29/2006

Devere E. Barker Bank Stock Fund, and

Jeffrey Barker Bank Stock Fund, Sparks,

Nevada, to acquire up to 15.2 percent of The

Bank Holdings and thereby indirectly acquire

Nevada Security Bank, both of Reno, Nevada.

BANK HOLDINGS, THE

Newspaper:

Federal Register:

* 3A3 09/02/2006

09/05/2006

Belvedere Capital Fund II, L.P., and Belvedere

Capital Partners II LLC, both of San Francisco,

California, to acquire up to 15 percent of

Promerica Bank (In Organization), Los

Angeles, California.

BELVEDERE CAPITAL FUND

II L.P.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Cathay Financial Holding Co., Ltd., and

Cathay Life Insurance Co., Ltd., to acquire up

to 9.99 percent of First Financial Holding Co.,

Ltd., and Chinatrust Financial Holding Co.,

Ltd., all of Taipei, Taiwan.

CATHAY FINANCIAL

HOLDING CO., LTD.

Newspaper:

Federal Register:

* 3A3 08/24/2006

08/25/2006

Community Bancorp, Las Vegas, Nevada, to

acquire 100 percent of Cactus Commerce

Bank, Glendale, Arizona.

COMMUNITY BANCORP

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Community Bank of Nevada to merge with

Valley Bank, both of Las Vegas, Nevada, and

thereby acquire five branch ofices of Valley

Bank, all located in Nevada.

COMMUNITY BANK OF

NEVADA

Newspaper:

Federal Register:

* 3A1 Not available

09/07/2006

The Industrial Bank of Taiwan Co., Ltd.,

Taipei, Taiwan, and IBT Holdings Corp.,

Cerritos, California, to become bank holding

companies by acquiring 100 percent of

EverTrust Bank, City of Industry, California.

INDUSTRIAL BANK OF

TAIWAN CO., LTD., THE

* 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