Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 35

Week Ending September 2, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions August 27, 2006 to September 2, 2006

Regulations And Policies

Basel II Capital Accord -- publication for comment of interagency revisions to the 

market risk capital rule (Docket No. R-1265).

- Approved, August 23, 2006 (AC)

Basel II Reporting Requirements -- publication for comment of interagency 

reporting requirements for financial institutions implementing the advanced capital 

adequacy framework and for institutions subject to the revised market risk capital 

rule.

- Approved, August 23, 2006 (AC)

Enforcement

Capital One Bank, Glen Allen, Virginia -- issuance of an order of prohibition 

against Matthew Censoplano, a former institution-affiliated party.

- Announced, August 31, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
August 27, 2006 to September 2, 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

CapitalBank, Greenwood, South Carolina -- to establish a branch at the intersection 

of Highway 14 and Westmoreland Drive, Greer.

- Approved, August 31, 2006 

Richmond

Community Banks of Colorado, Greenwood Village, Colorado -- to establish a 

branch at 707 Wapiti Avenue, Suite 101, Rifle.

- Approved, August 31, 2006 

Kansas City

Community Banks of Colorado, Greenwood Village, Colorado -- to establish a 

branch at 1429 Grand Avenue, Suite 103, Glenwood Springs.

- Approved, August 31, 2006 

Kansas City

Community Banks of Colorado, Greenwood Village, Colorado -- to establish a 

branch at 7900 East 1st Avenue, Denver.

- Approved, August 31, 2006 

Kansas City

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 18120 

Tamiami Trail, Northport, Florida.

- Approved, August 29, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 7595 

Vanderbilt Beach Road, Naples, Florida.

- Approved, August 29, 2006 

Cleveland

Four Oaks Bank & Trust Company, Four Oaks, North Carolina -- to establish a 

branch at 830 Spring Lane, Sanford.

- Approved, August 30, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority August 27, 2006 to September 2, 2006

Bank Branches, Domestic

Heritage Bank, Louisville, Colorado -- to establish a branch at 25 East Ken Pratt 

Boulevard, Longmont.

- Approved, August 31, 2006 

Kansas City

New Peoples Bank, Inc., Honaker, Virginia -- to establish a branch at 372 East 

Jackson Boulevard, Jonesborough, Tennessee.

- Approved, September 1, 2006 

Richmond

Orion Bank, Naples, Florida -- to establish a branch at 1715 Cape Coral Parkway 

West, Cape Coral.

- Approved, September 1, 2006 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish branches at 2846 Southwest Town 

Center Way, Palm City, Florida, and 4001 Southeast Federal Highway, Stuart.

- Approved, August 31, 2006 

Secretary

Bank Holding Companies

Anita Bancorporation, Atlantic Iowa -- to acquire The First National Bank of 

Brewster, Brewster, Minnesota.

- Approved, September 1, 2006 

Chicago

Banco Bilbao Vizcaya Argentaria, S.A., Bilbao, Spain -- to acquire State National 

Bancshares, Inc., Fort Worth, Texas; and State National Bancshares of Delaware, 

Inc., Dover, Delaware; and thereby acquire State National Bank, Fort Worth.

- Approved, August 31, 2006 

New York

Bank of Whitman Employee Stock Ownership Plan, Colfax, Washington -- to 

acquire 52 percent of the shares of Whitman Bancorporation and thereby acquire 

additional shares of Bank of Whitman.

- Approved, August 30, 2006 

San Francisco

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority August 27, 2006 to September 2, 2006

Bank Holding Companies

Capitol Bancorp Ltd., Lansing, Michigan, and Capitol Development Bancorp 

Limited V -- to acquire 51 percent of the shares of Ohio Commerce Bank, 

Beachwood, Ohio, a de novo bank.

- Approved, September 1, 2006 

Chicago

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

company and to acquire Cornerstone Community Bank.

- Withdrawn, August 30, 2006 

Atlanta

First Liberty Holdings, LLC, Oklahoma City, Oklahoma -- to become a bank 

holding company and to acquire Hazelton Bancshares, Inc., Hazelton, Kansas, 

parent of The Farmers State Bank, Meno, Oklahoma.

- Approved, August 30, 2006 

Kansas City

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

connection with the merger of Hillcrest Bank with Colonial Bank, Aurora, Colorado.

- Granted, September 1, 2006 

Kansas City

Mayflower Bancorp, Inc., Middleboro, Massachusetts -- to acquire Mayflower Cooperative Bank.

- Withdrawn, August 30, 2006 

Boston

Sterling Bancshares, Inc., Houston, Texas, and Sterling Bancorporation, Inc., 

Wilmington, Delaware -- to acquire BOTH, Inc., Kerrville, Texas, and thereby 

acquire BOTH of Delaware, Inc., Wilmington, Delaware, and Bank of the Hills, 

National Association, Kerrville, Texas.

- Approved, August 31, 2006 

Dallas

TCF Financial Corporation, Wayzata, Minnesota -- to acquire TCF National Bank 

Arizona, Mesa, Arizona, a de novo bank.

- Approved, August 28, 2006 

Minneapolis

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority August 27, 2006 to September 2, 2006

Bank Mergers

Marquette Bank, Chicago, Illinois -- to merge with Hemlock Federal Bank for 

Savings, Oak Forest, and thereby establish six branches.

- Approved, August 30, 2006 

Chicago

UnionBank, Streator, Illinois -- to merge with Centrue Bank, Kankakee, and 

thereby establish 20 branches.

- Approved, August 31, 2006 

Chicago

Competitive Factors Reports

American Banking Company, Moultrie, Georgia -- report on competitive factors of 

the proposed acquisition of certain assets and assumption of all liabilities of the 

Cairo branches of Cairo Banking Company, Cairo.

- Submitted, August 29, 2006 

Atlanta

Appalachian Community Bank, FSB, McCaysville, Georgia -- report on 

competitive factors of the proposed merger with Appalachian Community Bank, a 

de novo bank.

- Submitted, August 30, 2006 

Atlanta

BancFirst, Oklahoma City, Oklahoma -- report on competitive factors of the 

proposed merger with First Bartlesville Bank, Bartlesville.

- Submitted, August 28, 2006 

Kansas City

Beacon Federal, East Syracuse, New York -- report on competitive factors of the 

proposed merger with Beacon Interim I and Beacon Federal Interim II.

- Submitted, August 28, 2006 

New York

Beacon Federal, East Syracuse, New York -- report on competitive factors of the 

proposed merger with Marcy Interim Federal Savings Association, Marcy.

- Submitted, August 31, 2006 

New York

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority August 27, 2006 to September 2, 2006

Competitive Factors Reports

Centrue Bank, Kankakee, Illinois -- report on competitive factors of the proposed 

merger with Centrue Service Corporation.

- Submitted, August 28, 2006 

Chicago

Emprise Bank, Wichita, Kansas -- report on competitive factors of the proposed 

merger with Prairie State Bank, Augusta.

- Submitted, September 1, 2006 

Kansas City

First Intercontinental Bank, Doraville, Georgia -- report on competitive factors of 

the proposed merger with FIB Interim Corporation.

- Submitted, August 30, 2006 

Atlanta

Hamilton State Bank, Braselton, Georgia -- report on competitive factors of the 

proposed acquisition of assets and assumption of liabilities of the Jefferson, 

Hoschton, and Dacula branches of nBank, National Association, Commerce.

- Submitted, August 31, 2006 

Atlanta

Independence Bank of Kentucky, Owensboro, Kentucky -- report on competitive 

factors of the proposed merger with First Security Bank & Trust, McLean Island.

- Submitted, August 28, 2006 

St. Louis

Marine Bank, Springfield, Springfield, Illinois -- report on competitive factors of 

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

branch of Central Illinois Bank, Champaign.

- Submitted, August 30, 2006 

Chicago

Peoples Bank of East Tennessee, Madisonville, Tennessee -- report on competitive 

factors of the proposed purchase of certain assets and assumption of deposit 

liabilities of the Ducktown branch of The Home Bank, Ducktown.

- Submitted, August 29, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority August 27, 2006 to September 2, 2006

Competitive Factors Reports

SouthEast Bank & Trust, Athens, Tennessee -- report on competitive factors of the 

proposed acquisition of certain assets and assumption of deposit liabilities of the 

Spring City branch of AmSouth Bank after its acquisition by Peoples State Bank of 

Commerce, Nolensville.

- Submitted, August 28, 2006 

Atlanta

Extensions Of Time

Citizens Bancshares, Inc., ESOP, Edmond, Oklahoma -- extension to November 28, 

2006, to acquire up to 40 percent of the shares of Citizens Bancshares, Inc., parent 

of Citizens Bank of Edmond.

- Granted, August 28, 2006 

Kansas City

Mid-Iowa Bancshares Co., Algona, Iowa -- extension to November 3, 2006, to 

engage in extending credit and servicing loans.

- Granted, September 1, 2006 

Chicago

International Operations

J.P. Morgan International Finance Limited, Newark, Delaware -- waiver of 

remainder of notification period to make an additional investment in a special 

purpose vehicle, and modification of the aggregate investment limit under 

Regulation K.

- Granted, August 30, 2006 

Director, BS&R

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on August 8, 2006.

- Published, August 29, 2006 

FOMC

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

Federal Reserve Bank of Boston

Filings received during the week ending September 2, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

09/18/2006

Hampden Bancorp, Inc., Springfield,

Massachusetts to acquire 100% of the

outstanding capital stock of Hampden Bank,

Springfield, Massachusetts pursuant to section

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

reorganization of Hampden Bancorp, MHC,

Springfield, Massachusetts from mutual to

stock form.

HAMPDEN BANCORP, MHC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending September 2, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Other Foreign Not available

Not applicable

Banco Santander International, Miami,

Florida, an indirectly held Edge Corporation of

Banco Santander Central Hispano, Madrid,

Spain, provided notice to the Board of

Governors of the Federal Reserve System of its

intention to establish a domestic branch in San

Diego, California.

BANCO SANTANDER

INTERNATIONAL

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

The Bank of New York, New York, New York

and BNY International Financing Corporation,

submits a prior notice pursuant to Section

211.9(f) of Regulation K, to make an

additional investment in its subsidiary, BNY

Holdings (UK) Limited.

BANK OF NEW YORK

COMPANY, INC., THE

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

The Bank of New York, New York, New York

and BNY International Financing Corporation,

submits a prior notice pursuant to Section

211.9(f) of Regulation K, to acquire Bank of

New York Trust Company Japan Ltd. This

proposal is related to the BONY prior notice to

acquire JPMC corporate trust business AMPS #

62868.

BANK OF NEW YORK

COMPANY, INC., THE

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

BNY International Financing Corporation

("IFC") submits a 30-day prior notice to the

Board, pursuant o Section 211.9(f) of

Regulation K, in relation to IFC's indirect

acquisition of JP Morgan Trust Australia

Limited and JP Morgan Institutional Services

Australia Limited.

BNY INTERNATIONAL

FINANCING CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 09/09/2006

Buffalo, New York request approval to open

and occupy a full-service branch to be located

at 1861 Wiehle avenue, Reston, Fairfax

County, Virginia.

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 September 2, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Lafayette Ambassador Bank, Easton, PA, to 09/11/2006

establish a branch office located at the

intersections of North Third Street and East

Landis Street, Borough of Coopersburg,

Lehigh County, PA.

LAFAYETTE AMBASSADOR

BANK

Newspaper:

Federal Register:

* 18C

Premises Not applicable

Orrstown Bank, Shippensburg, PA, to establish 09/21/2006

a branch by purchasing the assets and

assuming the liabilities of a branch of Omega

Bank, State College, PA, located at 1110 East

Simpson Street, Mechanicsburg, PA.

ORRSTOWN 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

140018 LAFAYETTE AMBASSADOR BK, EASTON, PENNSYLVANIA 01/23/2006 07/13/2006 O Large Bank

2963547 LANDMARK CMNTY BK, PITTSTON, PENNSYLVANIA 03/27/2006 08/24/2006 S 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 September 2, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Perpetual Savings Bank, Wellsville, Ohio, to

merge with Sky Bank, Salineville, Ohio, and

incident thereo, establish branches pursuant to

Section 9 of the Federal Reserve Act

PERPETUAL SAVINGS BANK

Newspaper:

Federal Register:

* 3A5

* 18C

* Branch

09/10/2006

09/11/2006

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 09/18/2006

09/14/2006

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.

* 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

344816 CITIZENS DEPOSIT B&TC, VANCEBURG, KENTUCKY 06/19/2006 08/29/2006 O Small Bank

853112 HEARTLAND BK, GAHANNA, OHIO 06/05/2006 08/23/2006 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 September 2, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 09/11/2006

09/18/2006

Congaree Bancshares, Inc., West Columbia,

South Carolina, to become a bank holding

company by acquiring 100% of Congaree State

Bank, West Columbia, South Carolina (in

organization).

CONGAREE BANCSHARES,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Monarch Bank, Chesapeake, Virginia, 09/16/2006

proposes to establish a branch at 150 Boush

Street, Norfolk, Virginia.

MONARCH BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Union Bank and Trust Company, Bowling

Green, Virginia, proposes to establish a branch

at the corner of Twin Hickory Boulevard and

Nuckols Road, Glen Allen, Virginia.

UNION BANK AND TRUST

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Union Bank & Trust Company, Bowling 09/15/2006

Green, Virginia, proposes to establish a branch

at 11163 Nuckols Road, Glen Allen, Virginia.

UNION BANK AND TRUST

COMPANY

* 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 September 2, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

CapitalSouth Bank, Birmingham, Alabama, to

merge with Capital Bank, Montgomery,

Alabama.

CAPITALSOUTH BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 09/08/2006

establish a branch located at the North Central

Baptist Hospital Campus in The Atrium

Building at 520 Madison Oak Drive, Suite 150,

San Antonio, Texas, to be known as the North

Central Baptist Branch.

COMPASS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 09/12/2006

establish branches at the following locations:

the intersection of Taylor Road and Vaughn

Road, Montgomery, Alabama, to be known as

the Montgomery-Vaughn Branch; the

intersection of West Magee Road, and North

LaCholla Boulevard, Tucson, Arizona, to be

known as the Tucson-LaCholla Branch; the

intersection of Central Avenue East and

Tramway Boulevard Northeast, Albuquerque,

New Mexico, to be known as the

Albuquerque-Central Branch; the intersection

of Highway 287 and Bailey Boswell Road, Fort

Worth, Texas, to be known as the Fort

Worth-Bailey Boswell Branch; and the

intersection of Bandera Road and Grissom

Road, San Antonio, Texas, to be known as the

San Antionio-Bandera Branch.

COMPASS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Florida Bank, Naples, Florida, to 09/11/2006

establish a branch located at the intersection of

Toledo Blade Boulevard and Peachland

Boulevard, Port Charlotte, Florida, to be

known as the First Florida Bank, Murdock

Office.

FIRST FLORIDA BANK

Newspaper:

Federal Register:

* 3A1 09/28/2006

10/02/2006

Smith & Associates Florida Fund LLC, along

with Smith & Associates Fund Management

LLC and Florida Shores Bancorp, Inc., to

become a multi-tiered bank holding company

structure by acquiring 60 percent of the

outstanding shares of Florida Shores Bank -

Southeast (in organization),all of Pompano

Beach, Florida.

FLORIDA SHORES BANCORP,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Orion Bank, Naples, Florida, to establish a 09/14/2006

branch located at 2225 First Street, Fort Myers,

Florida.

ORION BANK

Newspaper:

Federal Register:

* 3A1

Not available

Private Bancshares, Inc., Atlanta, Georgia, to 10/02/2006

become a bank holding company by acquiring

100 percent of the outstanding shares of

Private Bank of Buckhead (in organization),

both of Atlanta, Georgia.

PRIVATE BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 09/09/2006

establish a branch located at 200 Marina

Drive, Tuscaloosa, Alabama.

REGIONS BANK

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

Federal Reserve Bank of Atlanta

Filings received during the week ending September 2, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

09/25/2006

SouthCrest Financial Group, Fayetteville,

Georgia, to merge with Maplesville Bancorp,

and thereby acquire its subsidiary, Peachtree

Bank, both of Maplesville, Alabama.

SOUTHCREST FINANCIAL

GROUP, INC.

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 09/11/2006

a branch located at 2926 Lamar Avenue, Suite

106, Memphis, Tennessee, to be known as the

Lamar Crossing Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Traders & Farmers Bancshares, Inc., to

become a bank holding company by acquiring

100 percent of the outstanding shares of

Traders & Farmers Bank, both of Haleyville,

Alabama.

TRADERS & FARMERS

BANCSHARES, INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 2, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

ChoiceOne Bank, Sparta, Michigan, to merge

with Valley Ridge Bank, Kent City, Michigan,

and thereby to establish 9 branches.

CHOICEONE BANK

Newspaper:

Federal Register:

* 3A5 Not available

Not available

ChoiceOne Financial Services, Inc., Sparta,

Michigan, to merge with Valley Ridge

Financial Corp., Kent City, Michigan, and

thereby indirectly acquire Valley Ridge Bank,

Kent City, Michigan.

CHOICEONE FINANCIAL

SERVICES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 08/31/2006

a branch facility to be located at Woodlands

Crossing Shopping Center, Woodlands

Parkway near Kuykendahl Road, Spring,

Montgomery County, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

two branches to be located at 2432 E. Katella,

Building A, Anaheim, California, and 401

Grand Ave., South San Francisco, California.

COMERICA BANK

Newspaper:

Federal Register:

CIC 09/08/2006

09/08/2006

Notice by the Hill Family (David Hill,

Ellsworth, IA; Heather Miller, Urbandale, IA;

and Heidi Loverude, Urbandale, IA), as a

group acting in concert, to retain control of 100

percent of Freedom Holdings Company, West

Des Moines, Iowa.

FREEDOM HOLDINGS

COMPANY

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Hinsdale Bank & Trust Company, Hinsdale,

Illinois, to purchase the assets and assume the

liabilities of four branches of Hinsbrook Bank

& Trust, Willowbrook, Illinois, and thereby to

establish 4 branches.

HINSDALE BANK & TRUST

COMPANY

Newspaper:

Federal Register:

* 3A1

4c8

09/14/2006

09/21/2006

Lincoln Bancorp, Plainfield, Indiana, to

become a bank holding company upon the

conversion of Lincoln Bank, Plainfield,

Indiana, from a federal savings bank to a state

chartered commercial bank, and to engage de

novo in lending activities.

LINCOLN BANCORP

Newspaper:

Federal Register:

* 3A3

Member

* 18C

09/08/2006

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 09/11/2006

09/14/2006

The ShoreBank Corporation, Chicago, Illinois,

to acquire 100 percent of the voting shares of

Greater Chicago Bank, Bellwood, Illinois.

SHOREBANK CORPORATION,

THE

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 2, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Town Bank, Delafield, Wisconsin, to establish 09/07/2006

a branch facility to be located at 13150

Watertown Plank Road, Elm Grove,

Wisconsin.

TOWN BANK

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Wheaton Bank & Trust, Wheaton, Illinois, to

purchase the assets and assume the liabilities

of two branches of Hinsbrook Bank & Trust,

Willowbrook, Illinois.

WHEATON BANK & TRUST

* 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

2298995 VILLAGE B&TC, ARLINGTON HEIGHTS, ILLINOIS 05/01/2006 08/28/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending September 2, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Ashley Bancstock Company, Crossett,

Arkansas, to acquire 100 percent of First

Community Bank of Crawford County, Van

Buren, Arkansas.

ASHLEY BANCSTOCK

COMPANY

Newspaper:

Federal Register:

CIC Not available

09/08/2006

Notice by Dearmin Investment Holdings

Business, L.P., Odon, Indiana, to acquire 100

percent of Dearmin Bancorp, Inc., Odon,

Indiana.

DEARMIN BANCORP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

S.Y. Bancorp, Inc., Louisville, Kentucky,

proposes to engage in extending credit and

servicing loans.

S. Y. BANCORP, 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

420457 SOUTHERN COMMERCIAL BK, SAINT LOUIS, MISSOURI 05/01/2006 08/18/2006 O Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending September 2, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/23/2006

09/25/2006

Baldwin Bancshares, Inc., Baldwin,

Wisconsin, to acquire 100 percent of Gavic

Services, Inc., Spring Valley, Wisconsin, and

thereby indirectly acquire The Bank of Spring

Valley, Spring Valley, Wisconsin.

BALDWIN BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

09/25/2006

BlackRidge Financial, Inc., Fargo, North

Dakota, to acquire 100 percent of Carlos

Bancshares, Inc., Alexandria, Minnesota and

thereby indirectly acquire First State Bank of

Alexandria, Alexandria, Minnesota.

BLACKRIDGE FINANCIAL,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Minnwest Corporation, Minnetonka,

Minnesota, to acquire 100% percent of

Aumanchester, Inc., Rochester, Minnesota,

and thereby indirectly acquire Rochester Bank,

Rochester, Minnesota.

MINNWEST CORPORATION

* 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 September 2, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/19/2006

09/22/2006

BOK Financial Corporation, Tulsa, Oklahoma,

to acquire 100 percent of the voting shares of

The State Bank of Colony, Colony, Kansas, by

merging Bank of Kansas City, N.A., Overland

Park, Kansas, an interim national bank, with

The State Bank of Colony.

BOK FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Community Banks of Colorado, Greenwood 08/28/2006

Village, Colorado, to establish a branch at 330

South 12th Street, Unit B, Suite 1, Montrose,

Colorado.

COMMUNITY BANKS OF

COLORADO

Newspaper:

Federal Register:

CIC 09/05/2006

09/07/2006

Notice by the Helen D. Roberts Trust for Bruce

Lauritzen, and by Elizabeth D. Lauritzen as

individual trustee, to acquire control of Cypress

Corporation, all of Omaha, Nebraska, parent of

Sibley State Bank, Sibley, Iowa.

CYPRESS CORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First National Bank of Pinedale (to be known

as First State Bank of Pinedale), Pinedale,

Wyoming, to become a member of the Federal

Reserve System.

FIRST NATIONAL BANK OF

PINEDALE

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending September 2, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/30/2006

09/15/2006

Notice by Ms. Mary Lucy McCorkle, Sulphur

Springs, Texas, to increase her ownership to

10.49 percent in Alliance Bancshares, Inc.,

Sulphur Springs, Texas, and thereby indirectly,

SSSB Delaware Bancorporation, Inc., Dover,

Delaware, and Alliance Bank, Sulphur

Springs, Texas.

ALLIANCE BANCSHARES,

INC.

Newspaper:

Federal Register:

CIC 09/19/2006

09/15/2006

Notice by Mr. John R. Rountree, Linden,

Texas, to control up to 57 percent of the voting

common stock of Linden Bancshares, Inc.,

Linden, Texas, and indirectly The First

National Bank of Linden, Linden, Texas.

LINDEN 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

1447639 BANK OF THE WEST, EL PASO, TEXAS 05/22/2006 08/21/2006 S Large 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 September 2, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 08/22/2006

1)The BANKshares, Inc., Rancho Santa Fe,

California, to become a bank holding company

by acquiring 100 percent of the THE

BANKshares, Inc., and thereby indirectly

acquire The Bank Brevard, both of Melbourne,

Florida; and, 2)Castle Creek Capital Partners

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

Eggemeyer Capital LLC, Ruh Capital LLC,

Legions IV Advisory Corp, all of Rancho Santa

Fe, California, to acquire 91 percent of THE

BANKshares, Inc., and thereby indirectly

acquire The Bank Brevard, both of Melbourne,

Florida.

CASTLE CREEK CAPITAL

PARTNERS III, 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:

* 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

Newspaper:

Federal Register:

* 3A1 Not available

09/22/2006

NHB Holdings, Inc., Jacksonville, Florida, to

become a bank holding company by acquiring

100 percent of Volvo Commercial Credit Corp.

of Utah, which will be renamed Globility

Bank, Salt Lake City, Utah.

NHB HOLDINGS, INC.

* 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

2473354 IDAHO BKG CO, BOISE, IDAHO 05/01/2006 08/21/2006 S Small Bank

697763 WESTAMERICA BK, SAN RAFAEL, CALIFORNIA 04/10/2006 08/21/2006 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act