Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 31

Week Ending August 5, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions July 30, 2006 to August 5, 2006

Bank Holding Companies

Trustmark Corporation, Jackson, Mississippi -- to merge with Republic Bancshares 

of Texas, Inc., Houston, Texas, and acquire its subsidiary, Republic National Bank.

- Approved, August 2, 2006 

Regulations And Policies

Employment of Noncitizens -- publication for comment of an interim rule that 

would revise the Rules Regarding Equal Opportunity to permit a limited group of 

noncitizen employees to have access to confidential supervisory information.

- Approved, July 29, 2006 (AC)

Fair Credit Reporting Act -- joint report to Congress on compliance with the 

consumer dispute provisions of the act.

- Approved, August 4, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
July 30, 2006 to August 5, 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

Adams Bank & Trust, Ogallala, Nebraska -- to establish a mobile branch at 1310 

Garden of the Gods Road, Colorado Springs, Colorado.

- Approved, August 4, 2006 

Kansas City

The Bank of New York, New York, New York -- to establish branches at 1001 

Franklin Avenue, Garden City, and 701 Westchester Avenue, White Plains.

- Approved, August 2, 2006 

New York

Bank of Utah, Ogden, Utah -- to establish a branch at 950 West 800 North, Orem.

- Approved, August 3, 2006 

San Francisco

Comerica Bank, Detroit, Michigan -- to establish a branch at 1610 Stacy Road, 

Allen, Texas.

- Approved, August 3, 2006 

Secretary

Comerica Bank, Detroit, Michigan -- to establish a branch at 11608 Carmel 

Mountain Road, San Diego, California.

- Approved, August 3, 2006 

Secretary

Fifth Third Bank, Cincinnati, Ohio -- to establish a temporary branch at the Pete 

Dye Golf Course, 801 Aaron Smith Drive, Bridgeport, West Virginia.

- Approved, August 1, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 800 South 

Waukegan Road, Waukegan, Illinois.

- Approved, August 2, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 9
H.2 Actions under delegated authority July 30, 2006 to August 5, 2006

Bank Branches, Domestic

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2785 North 

Clybourn Avenue, Chicago, Illinois.

- Approved, August 2, 2006 

Cleveland

First Community Bank, Taos, New Mexico -- to establish a branch at 4582 South 

Ulster Street Parkway, Denver, Colorado.

- Approved, August 3, 2006 

Secretary

The Park Avenue Bank, Valdosta, Georgia -- to establish branches at 13901 Sutton 

Park Drive South, Suite 190, Jacksonville, Florida, and 2220 Wisteria Drive, Suite 

102, Snellville, Georgia.

- Approved, August 4, 2006 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 6323 Lake Oconee 

Parkway, Greensboro.

- Approved, August 2, 2006 

Secretary

Triumph Bank, Germantown, Tennessee -- to establish a branch at 2171 Judicial 

Drive, Germantown, and to relocate its main office to 5699 Poplar Avenue, 

Memphis.

- Approved, August 2, 2006 

St. Louis

Waccamaw Bank, Whiteville, North Carolina -- to establish a branch at 1230 16th 

Avenue, Conway, South Carolina.

- Approved, August 2, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 2 of 9
H.2 Actions under delegated authority July 30, 2006 to August 5, 2006

Bank Holding Companies

Allegheny Valley Bancorp, Inc., Pittsburgh, Pennsylvania -- waiver of application in 

connection with the acquisition of RSV Bancorp, Inc. and its subsidiary, Mt. Troy 

Bank.

- Granted, August 4, 2006 

Cleveland

Alliance Financial Corporation, Syracuse, New York -- waiver of application in 

connection with the acquisition of Bridge Street Financial, Inc., Oswego.

- Granted, July 31, 2006 

New York

Chickasaw Banc Holding Company, Oklahoma City, Oklahoma -- to acquire 

AllNations Bancorporation, Inc., Calumet, and AllNations Bank; and for Bank2, 

Oklahoma City, to merge with AllNations Bank, Calumet, and thereby establish a 

branch.

- Approved, August 1, 2006 

Kansas City

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

connection with the merger with Elmira Savings and Loan, F.A., Elmira.

- Granted, August 3, 2006 

New York

Credit Agricole S.A., Paris, France; SAS Rue la Boetie, and Federation Nationale 

du Credit Agricole -- request for a temporary exemption to engage in certain 

nonbanking activities in the United States as a result of Credit Agricole's proposed 

acquisition of Emporiki Bank of Greece S.A., Athens, Greece.

- Granted, August 4, 2006 

General Counsel

Daingerfield Holding Company, Daingerfield, Texas -- to acquire America's Pride 

Mortgage Services, LLC, Longview, and thereby engage in extending credit and 

servicing loans.

- Approved, August 2, 2006 

Dallas

(AC) = Addition or Correction Delegated - Page 3 of 9
H.2 Actions under delegated authority July 30, 2006 to August 5, 2006

Bank Holding Companies

FC Holdings, Inc., Houston, Texas -- waiver of application in connection with the 

acquisition of LANB Interim National Bank, Sugar Land.

- Granted, August 4, 2006 

Dallas

German American Bancorp, Inc., Jasper, Indiana -- to acquire German American 

Bancorp, a de novo bank.

- Approved, August 3, 2006 

St. Louis

Midwest Community Bancshares, Inc., Marion, Illinois -- to acquire C.P. Burnett & 

Sons, Inc., Eldorado, and thereby acquire C.P. Burnett & Sons, Bankers; and for its 

subsidiary, MCB Sub, Inc., Marion, to become a bank holding company and to 

acquire C.P. Burnett & Sons, Inc. and thereby acquire C.P. Burnett & Sons, Bankers.

- Approved, August 4, 2006 

St. Louis

NRW.Bank, Duesseldorf, Germany, and WestLB Beteiligungsholding GmbH -- to 

continue to engage indirectly in extending credit and servicing loans and acting as a 

financial or investment advisor.

- Approved, August 1, 2006 

New York

Pinnacle Bancshares, Inc., Bentonville, Arkansas -- to become a bank holding 

company and to acquire Pinnacle Bank.

- Approved, August 3, 2006 

St. Louis

RAC, Inc. Wisconsin, Kohler, Wisconsin -- to become a bank holding company and 

to acquire Ridgestone Financial Services, Inc., Brookfield, and Ridgestone Bank.

- Approved, August 2, 2006 

Chicago

S&T Bancorp, Inc., Indiana, Pennsylvania -- to acquire up to 9.9 percent of the 

shares of CBT Financial Corporation, Clearfield.

- Approved, July 31, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 4 of 9
H.2 Actions under delegated authority July 30, 2006 to August 5, 2006

Bank Holding Companies

Sequatchie Valley Bancshares, Inc., Dunlap, Tennessee -- to merge with FN 

Bancorp, Inc., Tullahoma, and thereby acquire its subsidiary, First National Bank of 

Tullahoma.

- Approved, August 1, 2006 

Atlanta

The Toronto-Dominion Bank, Toronto, Canada, and TD Banknorth, Inc., Portland, 

Maine -- to acquire Interchange Financial Services Corporation, Saddle Brook, New 

Jersey, and Interchange Bank.

- Approved, August 2, 2006 

New York

WashingtonFirst Bank, Washington, D.C. -- waiver of application in connection 

with the acquisition of First Liberty Bancorp, Inc. and First Liberty Bank.

- Granted, August 4, 2006 

Richmond

Bank Mergers

Clear Mountain Bank, Bruceton Mills, West Virginia -- to purchase certain assets 

and assume certain liabilities of the Rowlesburg branch of First Community Bank, 

N.A., Bluefield, Virginia.

- Approved, July 31, 2006 

Richmond

Bank Premises

Citizens Security Bank & Trust Company, Bixby, Oklahoma -- to increase its 

investment in bank premises.

- Approved, August 2, 2006 

Kansas City

Banks, National

Citibank, N.A., New York, New York -- location determination of master account at 

the Federal Reserve Bank of New York.

- Permitted, July 31, 2006 

Secretary

(AC) = Addition or Correction Delegated - Page 5 of 9
H.2 Actions under delegated authority July 30, 2006 to August 5, 2006

Change In Bank Control

Ameribanc Holdings, Durango, Colorado -- to retain control of Ameribanc Holdings.

- Permitted, August 4, 2006 

Kansas City

Chariton County Bancshares, Inc., Moberly, Missouri -- change in bank control.

- Permitted, July 31, 2006 

Kansas City

First National Fairbury Corporation, Fairbury, Nebraska -- change in bank control.

- Permitted, July 31, 2006 

Kansas City

Competitive Factors Reports

Alliance Bank, National Association, Syracuse, New York -- report on competitive 

factors of the proposed merger with Oswego County National Bank, Oswego.

- Submitted, July 31, 2006 

New York

Ben Franklin Bank of Illinois, Arlington Heights, Illinois -- report on competitive 

factors of the proposed merger with Ben Franklin Interim Bank II.

- Submitted, August 2, 2006 

Chicago

Carver Federal Savings Bank, New York, New York -- report on competitive factors 

of the proposed acquisition of Community Capital Bank, Brooklyn.

- Submitted, August 2, 2006 

New York

Citizens Community Federal, Altoona, Wisconsin -- report on competitive factors of 

the proposed merger of Citizens Community Federal, Eau Claire, a de novo bank, 

and Citizens Community Bancorp.

- Submitted, July 31, 2006 

Minneapolis

(AC) = Addition or Correction Delegated - Page 6 of 9
H.2 Actions under delegated authority July 30, 2006 to August 5, 2006

Competitive Factors Reports

CommunityBanks, Harrisburg, Pennsylvania -- report on competitive factors of the 

proposed merger with Sentry Trust Company, Chambersburg.

- Submitted, August 2, 2006 

Philadelphia

First Fidelity Bank, National Association, Oklahoma City, Oklahoma -- report on 

competitive factors of the proposed merger with Edmond Bank and Trust, Edmond.

- Submitted, August 1, 2006 

Kansas City

First National Bank of North East, North East, Maryland -- report on competitive 

factors of the proposed merger with Bay Net A Community Bank, Bel Air.

- Submitted, July 31, 2006 

Richmond

Metro United Bank, San Diego, California -- report on competitive factors of the 

proposed acquisition of assets and assumption of liabilities of the Irvine branch of 

Omni Bank, N.A., Alhambra.

- Submitted, July 31, 2006 

San Francisco

Nationwide Bank, FSB, Columbus, Ohio -- report on competitive factors of the 

proposed merger with Nationwide Federal Credit Union.

- Submitted, August 2, 2006 

Cleveland

Polonia Bank, Huntingdon Valley, Pennsylvania -- report on competitive factors of 

the proposed merger with Polonia Interim Federal Savings Bank and Polonia MHC 

Interim Federal Savings Bank.

- Submitted, July 31, 2006 

Philadelphia

Seacoast National Bank, Stuart, Florida -- report on competitive factors of the 

proposed merger with Century National Bank, Orlando.

- Submitted, August 2, 2006 

Secretary

(AC) = Addition or Correction Delegated - Page 7 of 9
H.2 Actions under delegated authority July 30, 2006 to August 5, 2006

Competitive Factors Reports

TD Banknorth, National Association, Portland, Maine -- report on competitive 

factors of the proposed merger with Interchange Bank, Saddle Brook, New Jersey.

- Submitted, August 3, 2006 

New York

Texas National Bank, Tomball, Texas -- report on competitive factors of the 

proposed acquisition of the Trinity and Huntsville branches of Lake Area National 

Bank, Trinity.

- Submitted, July 31, 2006 

Dallas

United Community Bank, Murphy, North Carolina -- report on competitive factors 

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

Sylva and Bryson City branches of First Charter Bank, Charlotte.

- Submitted, July 31, 2006 

Richmond

Extensions Of Time

First Banks, Inc., Hazelwood, Missouri -- extension to November 5, 2006, to 

acquire an additional 10.09 percent of the shares of Community West Bancshares, 

Goleta, California, and thereby acquire Community West Bank, National 

Association.

- Granted, August 3, 2006 

St. Louis

German American Bancorp, Jasper, Indiana -- extension to September 1, 2006, to 

acquire 9.9 percent of the shares of Indiana Bank Corp., Terre Haute, and thereby 

acquire The First National Bank of Dana, Dana.

- Granted, August 2, 2006 

St. Louis

Sterling Bank, Lantana, Florida -- extension to November 24, 2006, to establish a 

branch at 550 Southeast 9th Street, Delray Beach.

- Granted, August 1, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 8 of 9
H.2 Actions under delegated authority July 30, 2006 to August 5, 2006

Financial Holding Companies

Coastal South Bancshares, Inc., Hilton Head Island, South Carolina -- election to 

become a financial holding company.

- Effective, August 3, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 9 of 9
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending August 5, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Notification by Anglo Irish Bank Corporation 08/24/2006

PLC, Dublin, Ireland to establish a

representative office in Chicago, Illinois

pursuant to section 211.24(a)(2)(i)(B)(3) of

Regulation K

ANGLO IRISH BANK

CORP.,PLC

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 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 Not available

* 3A5 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

* 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 5, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

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

Not available

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

Banco Popular, North America, New York, 08/07/2006

New York to open a new domestic branch,

located at 9600 W. Bryn Mawr, Rosemont

(Cook County), Illinois.

BANCO POPULAR NORTH

AMERICA

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 08/11/2006

Buffalo, New York, requests approval to open

and occupy a full-service branch office located

at 1500 Blenheim Farm Lane, Havre de Grace,

Hartford County, Maryland. (RSSD #3460922)

MANUFACTURERS AND

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Manufacturers and Traders Trust Company,

Buffalo, New York, to establish a branch office

to be located at 11003 Manklin Creek Road,

Berlin, Worcester County, Maryland.

MANUFACTURERS AND

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

FBSEA

Not applicable

Natexis Banques Poplaires, Paris, France 08/26/2006

request to establish an additional branch

location in New York. (this is a transfer of the

front office operations of the existing NY

branch)

NATEXIS BANQUES

POPULAIRES

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Export-Import Bank of Ukraine ("EXIM

Bank")Kiev, Ukraine, to establish a

representative office in New York, New York,

pursuant to Section 10(a) of the International

Banking Act of 1978, as amended, and Section

211.24(a)(1) of Regulation K.

STATE EXPORT-IMPORT

BANK OF UKRAINE, INC.

Newspaper:

Federal Register:

4c8 Not applicable

08/23/2006

Westpac Banking Corporation, Sydney,

Australia to engage de novo indirectly through

Hastings Funds Management (US) Inc., New

York, New York as an investment and

financial adviser pursuant to Section

225.28(b)(6)

WESTPAC BANKING

CORPORATION

* 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 5, 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

1954294 PREMIER BK, DOYLESTOWN, PENNSYLVANIA 01/23/2006 08/02/2006 S Large 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 August 5, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Foreign Branch Not applicable

Not applicable

Sky Bank, Salineville, Ohio, to establish a

foreign branch in GeorgeTown, Grand

Cayman Island, Cayman Islands Cayman Island, Cayman Islands, pursuant to

Section 211.3(b)(2) of Regulation K

SKY BANK

* 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

509811 COMMUNITY TR BK INC, PIKEVILLE, KENTUCKY 05/01/2006 08/02/2006 S Large Bank

568126 SAINT HENRY BK, SAINT HENRY, OHIO 05/22/2006 07/31/2006 S Small 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 August 5, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

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

New Peoples Bank, Honaker, Virginia, to 08/18/2006

establish a branch at 372 East Jackson

Boulevard, Jonesborough, Tennessee.

NEW PEOPLES BANK, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Commerce Bank, Arlington, Virginia, 08/16/2006

to establish a branch at 314 East Market Street,

Leesburg, Virginia.

VIRGINIA COMMERCE BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

697978 COMMUNITY BK OF TRI-CTY, WALDORF, MARYLAND 04/10/2006 07/10/2006 S Large Bank

969424 HIGHLANDS UNION BK, ABINGDON, VIRGINIA 03/27/2006 07/11/2006 S Large Bank

353023 JOHNSONVILLE ST BK, JOHNSONVILLE, SOUTH CAROLINA 03/20/2006 06/20/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending August 5, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Orion Bank, Naples, Florida, to establish a 08/14/2006

branch located at 1715 Cape Coral Parkway

West, Cape Coral, Florida.

ORION BANK

Newspaper:

Federal Register:

* 3A1 08/12/2006

08/31/2006

Piedmont Community Bank Group, Inc., Gray,

Georgia, to become a bank holding company

by acquiring 100 percent of the outstanding

shares of Piedmont Community Bank, Gray,

Georgia.

PIEDMONT COMMUNITY

BANK GROUP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 08/11/2006

a branch located at 15225 Collier Boulevard,

Naples, Florida, to be known as the

Pebblebrooke 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

497039 COMMERCIAL BK, HARROGATE, TENNESSEE 02/06/2006 08/02/2006 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 5, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

08/24/2006

Bankers Bancorp, Inc., Springfield, Illinois, to

acquire 25 percent of the voting shares of 1st

St. Louis Securities, St. Louis, Missouri,

through its wholly-owned subsidiary,

Independent Bankers' Bank, Springfield,

Illinois, and thereby to indirectly engage in

securities brokerage, private placement

services, and underwriting in government

obligations and money market instruments.

BANKERS' BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

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 Not available

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:

* 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 applicable

First Bank & Trust, Evanston, Illinois, to 08/14/2006

establish a branch facility to be located at 8047

Skokie Blvd., Skokie, Illinois.

FIRST BANK & TRUST

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 Not available

08/23/2006

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

increase ownership of 41,125 shares of

common stock of Midland Bancshares, Inc.,

Kincaid, Illinois, and thereby indirectly

increase ownership of Midland Community

Bank, Kincaid, Illinois.

MIDLAND BANCSHARES,

INC.

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

312244 FIRST BK OF BERNE, BERNE, INDIANA 04/03/2006 07/31/2006 S Int Sm Bank

427241 FRIENDSHIP ST BK, FRIENDSHIP, INDIANA 04/10/2006 07/27/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 5, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Bank of Mountain View, Mountain View,

Arkansas, to become a member of the Federal

Reserve System.

BANK OF MOUNTAIN VIEW

Newspaper:

Federal Register:

* 3A3 Not available

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:

* 3A1 09/11/2006

09/05/2006

United Citizens Bancorp, Inc., Columbia,

Kentucky, to become a bank holding company

by acquiring 100 percent of United Citizens

Bank of Southern Kentucky, Inc., Columbia,

Kentucky.

UNITED CITIZENS 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

308443 BANK OF FAYETTEVILLE, FAYETTEVILLE, ARKANSAS 05/01/2006 07/26/2006 S Int Sm Bank

677644 FARMERS & MERCHANTS BK, STUTTGART, ARKANSAS 05/01/2006 07/26/2006 S 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 August 5, 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:

Investment Not applicable

Not applicable

U.S. Bank, N.A., Cincinnati, Ohio, through

NOVA European Holdings Company,

Minneapolis, Minnesota, an agreement

corporation, are proposing to invest in a

foreign organization by acquiring 100% of the

shares of Elavon Financial Services Limited,

Dublin, Ireland.

NOVA EUROPEAN HOLDINGS

COMPANY

Newspaper:

Federal Register:

* 3A3 08/23/2006

08/21/2006

TCF Financial Corporation, Wayzata,

Minnesota, proposes to acquire 100% of TCF

National Bank Arizona, Mesa, Arizona, a de

novo bank.

TCF FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A5 08/01/2006

07/31/2006

U.S. Bancorp, Minneapolis, Minnesota, to

acquire 100 percent of Vail Banks, Inc., Avon,

Colorado, and thereby indirectly acquire

WestStar Bank, Vail, Colorado.

U.S. BANCORP

* 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

666358 FIRST CITIZENS BK OF BUTTE, BUTTE, MONTANA 04/17/2006 07/25/2006 S Small Bank

467957 FULTON ST BK, FULTON, SOUTH DAKOTA 04/17/2006 07/25/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 5, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Community Banks of Colorado, Greenwood 08/07/2006

Village, Colorado, to establish a branch at 707

Wapiti Avenue, Suite 101, Rifle, Colorado.

COMMUNITY BANKS OF

COLORADO

Newspaper:

Federal Register:

* 3A3 Not available

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:

* 3A1 08/21/2006

08/21/2006

First Liberty Holdings, LLC, Oklahoma City,

Oklahoma, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of Hazelton Bancshares, Inc.,

Hazelton, Kansas, parent of The Farmers State

Bank, Meno, Oklahoma.

FIRST LIBERTY HOLDINGS,

LLC

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

Premises Not applicable

Kearney Commercial Bank, Kearney, 08/11/2006

Missouri, to establish a branch at 930 West

Liberty Drive, Liberty, Missouri, and to

increase its investment in bank premises in the

amount of $137,704.

KEARNEY COMMERCIAL

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

973252 SWEDISH-AMERICAN ST BK, COURTLAND, KANSAS 05/01/2006 07/27/2006 S Small 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 5, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

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.

Newspaper:

Federal Register:

* 3A1 08/31/2006

09/01/2006

VB Texas, Inc., Houston, Texas, to become a

bank holding company by acquiring 100

percent of Community State Bank, Boling,

Texas.

VB TEXAS, 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 5, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

08/23/2006

Belvedere Capital Fund, II, LP, and Belvedere

Capital Partners II, LLC, both of San

Francisco, California, to retain 46 percent and

acquire up to 50 percent of Hometown

Commercial Capital, LLC, Burlingame,

California, and to indirectly engage in funding

commercial real estate loans through

established warehouse lines and subsequently

securitizing pools through major Wall Street

firms.

BELVEDERE CAPITAL FUND

II L.P.

Newspaper:

Federal Register:

* 3A3

Not available

Belvedere Capital Fund II, L.P., and Belvedere 09/02/2006

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:

* Branch

Not applicable

Community Bank of Nevada, Las Vegas, 08/16/2006

Nevada, to establish a branch facility at 5785

Centennial Center Boulevard, Las Vegas,

Nevada.

COMMUNITY BANK OF

NEVADA

Newspaper:

Federal Register:

* Branch

Not applicable

County Bank, Merced, California, to establish 07/12/2006

a branch facility at 505 North Clovis Avenue,

Fresno, California.

COUNTY BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Hanmi Bank, Los Angeles, California, to 08/09/2006

establish a branch facility at 5245 Beach

Boulevard, Buena Park, California.

HANMI BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Hanmi Bank, Los Angeles, California, to 08/15/2006

establish a branch facility at 18399 East

Colima Road, Rowland Heights, California.

HANMI BANK

Newspaper:

Federal Register:

* 3A3 08/14/2006

08/14/2006

Western Alliance Bancorporation, Las Vegas,

Nevada, to acquire 100 percent of Alta

Alliance Bank (In Organization), Oakland,

California.

WESTERN ALLIANCE

BANCORPORATION

* 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