H.2 

Federal Reserve Release 

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received 

No. 35 

Week Ending August 27, 2005 

Board of Governors of the Federal Reserve System, Washington, DC 20551 
H.2 Board Actions August 21, 2005 to August 27, 2005 

Forms 

Forms -- final Board review to extend without revision the Consumer Satisfaction 

Questionnaire (FR 1379). 

- Approved, August 22, 2005 

(AC) = Addition or Correction Board - Page 1 of 1 
H.2 Actions under delegated authority August 21, 2005 to August 27, 2005 

BS&R Banking Supervision and Regulation RBOPS Reserve Bank Operations and Payment Systems 

C&CA Consumer and Community Affairs IF International Finance 

FOMC Federal Open Market Committee OSDM Office of Staff Director for Management 

Bank Branches, Domestic 

St. Louis 

Bank of Bartlett, Bartlett, Tennessee -- to establish a branch at 9915 Highway 64, 

Memphis. 

- Approved, August 26, 2005 

Richmond 

Bank of Clarke County, Berryville, Virginia -- to establish a branch at Round Hill 

Crossing, Route 50 West, Winchester. 

- Approved, August 26, 2005 

Philadelphia 

East Penn Bank, Emmaus, Pennsylvania -- to establish a branch at 4510 Bath Pike, 

Hanover Township. 

- Approved, August 22, 2005 

Cleveland 

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 4733 Suder Avenue, 

Toledo. 

- Approved, August 25, 2005 

Cleveland 

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 4923 William Penn 

Highway, Murraysville, Pennsylvania. 

- Approved, August 25, 2005 

Cleveland 

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 132 Calhoun Street. 

- Approved, August 25, 2005 

Cleveland 

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 5831 Som Center 

Road, Willoughby. 

- Approved, August 26, 2005 

(AC) = Addition or Correction Delegated - Page 1 of 7 
H.2 Actions under delegated authority August 21, 2005 to August 27, 2005 

Bank Branches, Domestic 

Chicago 

Johnson Bank, Racine, Wisconsin -- to establish a branch at 3524 7th Avenue, 

Kenosha. 

- Approved, August 26, 2005 

Atlanta 

Regions Bank, Birmingham, Alabama -- to establish a branch at 3607 Cheryl Lane, 

Lafayette, Indiana. 

- Approved, August 23, 2005 

Atlanta 

SunTrust Bank, Atlanta, Georgia -- to establish branches at 9407 West Poplar 

Avenue, Germantown, Tennessee; 3054 Columbia Avenue, Franklin; and the 

intersection of U.S. Highway 70 and Airline Road, Arlington. 

- Approved, August 25, 2005 

Bank Holding Companies 

Kansas City 

Bank of Choice Holding Company, Greeley, Colorado -- to acquire Colonial 

Bancorp, Aurora, and Colonial Bank. 

- Approved, August 26, 2005 

Chicago 

CCB Acquisition Corp., Oak Brook, Illinois -- to become a bank holding company 

and to acquire Citizens Central Bancorp, Inc., Macomb, and Citizens National Bank. 

- Withdrawn, August 24, 2005 

St. Louis 

First Banks, Inc., Hazelwood, Missouri, and The San Francisco Company, San 

Francisco, California -- to acquire International Bank of California, Los Angeles, 

California; and for First Bank, St. Louis, Missouri, to merge with International 

Bank of California and thereby establish branches. 

- Approved, August 25, 2005 

(AC) = Addition or Correction Delegated - Page 2 of 7 
H.2 Actions under delegated authority August 21, 2005 to August 27, 2005 

Bank Holding Companies 

Atlanta 

FirstFed Bancorp, Inc. Employee Stock Ownership Plan, Bessemer, Alabama -- to 

become a bank holding company and to acquire 32 percent of the shares of FirstFed 

Bancorp, Inc., and its subsidiary, First Financial Bank. 

- Approved, August 23, 2005 

St. Louis 

German American Bancorp, Jasper, Indiana -- to retain German American 

Reinsurance Company, Ltd., Phoenix, Arizona, and thereby continue to engage in 

reinsuring credit life and credit disability insurance. 

- Approved, August 26, 2005 

Boston 

Salem Five Bancorp, Salem, Massachusetts -- to become a mutual bank holding 

company and to acquire Salem Five Cents Savings Bank. 

- Withdrawn, August 25, 2005 

Dallas 

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

Wilmington, Delaware -- to acquire Prestonwood Bancshares, Inc., Dallas, Texas, 

and thereby acquire Prestonwood Bancshares Nevada, Inc., Carson City, Nevada, 

and The Oaks Bank & Trust Company, Dallas, Texas. 

- Approved, August 26, 2005 

Bank Mergers 

St. Louis 

First Bank, St. Louis, Missouri -- to assume the deposit liabilities of the Roodhouse, 

Illinois, branch of Bank & Trust Company, Litchfield. 

- Approved, August 23, 2005 

Change In Bank Control 

New York 

Adirondack Bancorp, Utica, New York -- change in bank control. 

- Permitted, August 25, 2005 

(AC) = Addition or Correction Delegated - Page 3 of 7 
H.2 Actions under delegated authority August 21, 2005 to August 27, 2005 

Change In Bank Control 

Atlanta 

First Georgia Community Corp., Jackson, Georgia -- to retain control of First 

Georgia Community Corp. 

- Permitted, August 25, 2005 

San Francisco 

Foundation Bancorp, Inc., Bellevue, Washington -- to retain control of Foundation 

Bancorp, Inc. 

- Permitted, August 26, 2005 

Dallas 

Union State Bancshares, Inc., Killeen, Texas -- change in bank control. 

- Permitted, August 25, 2005 

Competitive Factors Reports 

New York 

The Bank of New York Trust Company, National Association, Los Angeles, 

California -- report on competitive factors of the proposed merger with Beacon 

Fiduciary Advisors, Inc., Boston, Massachusetts, as part of a corporate 

reorganization. 

- Submitted, August 24, 2005 

New York 

Bank of Tokyo-Mitsubishi Trust Company, New York, New York -- report on 

competitive factors of the proposed acquisition of certain assets and assumption of 

certain liabilities of the New York branch of UFJ Bank Limited, Nagoya, Japan. 

- Submitted, August 25, 2005 

Richmond 

Branch Banking and Trust Company, Winston-Salem, North Carolina -- report on 

competitive factors of the proposed merger with BB&T Factors Corporation, High 

Point. 

- Submitted, August 23, 2005 

(AC) = Addition or Correction Delegated - Page 4 of 7 
H.2 Actions under delegated authority August 21, 2005 to August 27, 2005 

Competitive Factors Reports 

Atlanta 

First National Bank, Hamilton, Alabama -- report on competitive factors of the 

proposed purchase of the Double Springs branch of Community Bank, Blountsville. 

- Submitted, August 22, 2005 

Dallas 

First State Bank Central Texas, Temple, Texas -- report on competitive factors of 

the proposed merger with First National Bank of Hamilton, Hamilton. 

- Submitted, August 25, 2005 

Atlanta 

Greene County Bank, Greeneville, Tennessee -- report on competitive factors of the 

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

Clarksville branches of Old National Bank, Evansville, Indiana. 

- Submitted, August 24, 2005 

St. Louis 

Simmons First National Bank of Pine Bluff, Pine Bluff, Arkansas -- report on 

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

certain liabilities of the Geyer Springs Road, Little Rock, branch of Bank of Little 

Rock. 

- Submitted, August 25, 2005 

St. Louis 

Wemple State Bank, Waverly, Illinois -- report on competitive factors of the 

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

Morrisonville branch of United Missouri Bank, N.A., Kansas City, Missouri. 

- Submitted, August 23, 2005 

Extensions Of Time 

Atlanta 

American Southern BanCorp, Inc., Roswell, Georgia -- extension to November 19, 

2005, to become a bank holding company and to acquire American Southern Bank, 

a de novo bank. 

- Granted, August 19, 2005 (AC) 

(AC) = Addition or Correction Delegated - Page 5 of 7 
H.2 Actions under delegated authority August 21, 2005 to August 27, 2005 

Extensions Of Time 

New York 

The Bank of New York, New York, New York -- extension to February 4, 2006, to 

establish a branch at 1886 Eastchester Road, Bronx. 

- Granted, August 22, 2005 

St. Louis 

Mercantile Bancorp, Inc., Quincy, Illinois -- extension to November 23, 2005, to 

increase its ownership from 13.75 percent up to 21 percent of the shares of 

NorthStar Bancshares, Inc., Kansas City, Missouri, and thereby increase its interest 

in NorthStar Bank, National Association. 

- Granted, August 24, 2005 

Chicago 

North Star Financial Holdings, Inc., Bingham Farms, Michigan -- extension to 

December 16, 2005, to become a bank holding company and to acquire N Star 

Community Bank, a de novo bank; and for N Star Community Bank to become a 

member of the Federal Reserve System. 

- Granted, August 25, 2005 

Kansas City 

Union Colony Bank, Greeley, Colorado -- extension to January 19, 2006, to 

establish a branch at the intersection of 35th Avenue and 37th Street, Evans. 

- Granted, August 25, 2005 

Financial Holding Companies 

Cleveland 

CSB Bancorp, Inc., Millersburg, Ohio -- election to become a financial holding 

company. 

- Effective, August 23, 2005 

Atlanta 

Jeff Davis Bancshares, Inc., Jennings, Louisiana -- election to become a financial 

holding company. 

- Effective, August 22, 2005 

(AC) = Addition or Correction Delegated - Page 6 of 7 
H.2 Actions under delegated authority August 21, 2005 to August 27, 2005 

Financial Holding Companies 

San Francisco 

Regal Financial Bancorp, Inc., Seattle, Washington -- election to become a financial 

holding company. 

- Effective, August 24, 2005 

International Operations 

Director, BS&R 

German American Bancorp, Jasper, Indiana -- to retain its investment in German 

American Reinsurance Company, Ltd., Turks and Caicos Islands, British West 

Indies. 

- Approved, August 25, 2005 

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

Federal Reserve Bank of Boston

Filings received during the week ending August 27, 2005

Filing Type Filer Filing Proposal End of Comment Period

NONE

* 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

FRANKLIN SVG BK FARMINGTON, MAINE

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

Federal Reserve Bank of New York

Filings received during the week ending August 27, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Banco Popular North America ("BPNA"), New 08/31/2005

York, New York request approval to open a

branch office located at 310 East Houston

Street, New York, New York. (RSSD#3374850)

BANCO POPULAR NORTH

AMERICA

Newspaper:

Federal Register:

* Branch

Not applicable

Banco Popular, North America, New York, 09/15/2005

New York to open and occupy a branch office

located at 3948 W. 55th Street & Pulaski Road,

Chicago, Illinois. (RSSD - 3376274)

BANCO POPULAR NORTH

AMERICA

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

FILING IS CONFIDENTIAL - Citibank, N.A.

(Citibank) and its Edge Corp. subsidiary,

Citibank Overseas Investment Corporation

(COIC), 30 Day Prior Notice pursuant to

Section 211.9(f) of Reg. K in connection with

COIC's additional investment in Citibank

International plc, London, UK. Citibank is

simultaneously requesting an exemption from

the rolling 12-month aggregate limit under

Section 211.9(c)(2) of Reg. K. in connection

with this notice. (See Filing ID:60159)

CITIBANK, N.A.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

FILING IS CONFIDENTIAL- Citibank, N.A.

(Citibank) and its Edge Corp. subsidiary,

Citibank Overseas Investment Corporation

(COIC) are submitting an exemption request

from the rolling 12-month aggregate limit

under Section 211.9(c)(2) of Reg. K in

connection with their 30 Day Prior Notice

pursuant to Section 211.9(f) of Reg. K, whereby

COIC proposes to provide additional

investment in Citibank International plc,

London, UK.(See Filing ID: 60126-1).

CITIBANK, N.A.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Deutsche Genossenschafts-Hypothekenbank

AG, Hamburg, Germany, requests prior

approval to establish a NY rep office.

DEUTCHE

GENOSSENSCHAFTS-HYPOTH

EKENBANK AG

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The Governor and Company of The Bank of

Ireland, Dublin, Ireland to establish a

representative office in Los Angeles, California,

pursuant to Section 10(a) of the International

Banking Act of 1978, and Section

211.24(a)(2)(i)(B)of Reg K.

GOVERNOR AND COMPANY

OF THE BANK OF IRELAND,

THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Kreditanstalt fur Wiederaufbau, Frankfurt,

Germany, 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.

KREDITANSTALT FUER

WIEDERAUFBAU (KFW)

Newspaper:

Federal Register:

* 3A5 Not available

09/15/2005

NBT Bancorp Inc., Norwich, New York,

proposes to merge with CNB Bancorp, Inc., and

thereby indirectly acquire City National Bank

and Trust Company, both of Gloversville, New

York, pursuant to Section 3(a)(5) of the Bank

Holding Company Act and 225.15 of

Regulation Y.

NBT BANCORP INC.

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

Federal Reserve Bank of New York

Filings received during the week ending August 27, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

09/06/2005

Norddeutsche Landesbank Girozentrale,

Hannover, Germany, proposes to engage de

novo through Nord/LB Financial Services LLC,

in financial and investment advisory services,

pursuant to Sections 4(c)(8) and 4(j) of the BHC

Act and Sections 225.24(a)(1) and 225.28(b)(1)

of Regulation Y.

NORDDEUTSCHE

LANDESBANK

GIROZENTRALE

* 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

INTERCHANGE BK SADDLE BROOK, NEW JERSEY

PEAPACK GLADSTONE BK GLADSTONE, NEW JERSEY

SOLVAY BK SOLVAY, NEW YORK

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending August 27, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Susquehanna Bank PA, Lititz, PA, to become a

member of the Federal Reserve System.

SUSQUEHANNA BANK PA

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

STERLING BK MOUNT LAUREL, NEW JERSEY

WOODLANDS BK WILLIAMSPORT, PENNSYLVANIA

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

Federal Reserve Bank of Cleveland

Filings received during the week ending August 27, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Application by The Citizens Banking Company, 09/04/2005

Sandusky, OH to merge with First Citizens

Bank, New Washington, OH and incident

thereto establish branches.

CITIZENS BANKING

COMPANY, THE

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 08/05/2005

branch at 5831 SOM Center Road, Willoughby,

OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 08/26/2005

branch at 10583 Perry Highway, Wexford, PA.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 3A5 08/18/2005

09/08/2005

Rurban Financial Corp., Defiance, Ohio to

acquire Exchange Bancshares, Inc., Luckey,

Ohio and as a result acquire all of the issued

and outstanding capital stock of The Exchange

Bank. Rurban will be the surviving corporation

in the merger. Exchange Bank will operate as a

separate bank subsidiary of Rurban following

completion of the merger.

RURBAN FINANCIAL CORP.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

RICHWOOD BKG CO RICHWOOD, OHIO

TWIN VALLEY BK WEST ALEXANDRIA, OHIO

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

Federal Reserve Bank of Richmond

Filings received during the week ending August 27, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 09/18/2005

09/19/2005

Capital Bank Corporation, Raleigh, North

Carolina, to merge with 1st State Bancorp, Inc.,

Burlington, North Carolina, and thereby

indirectly acquire 1st State Bank, Burlington,

North Carolina.

CAPITAL BANK

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

Not available

FNB Corp., Asheboro, North Carolina, to

merge with United Financial, Inc., Graham,

North Carolina, and thereby indirectly acquire

Alamance Bank, Graham, North Carolina.

FNB CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

Potomac Bank of Virginia, Fairfax, Virginia to 09/06/2005

establish a branch at 14231 Willard Road,

Chantilly, Virginia.

POTOMAC BANK OF

VIRGINIA

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Sandy Spring Bancorp, Inc., Olney, Maryland,

proposes to acquire West Financial Services,

Inc., McLean, Virginia, and thereby engage in

investment advisory and related activities.

SANDY SPRING BANCORP,

INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

River Bancorp, Inc., Martinsville, Virginia, to

become a bank holding company by acquiring

100% of Smith River Community Bank, N.A.,

Martinsville, Virginia.

SMITH RIVER COMMUNITY

BANK, NATIONAL

ASSOCIATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Susquehanna Bank, Hagerstown, Maryland, to

become a member of the Federal Reserve

System.

SUSQUEHANNA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Bank & Trust Company, Danville, 09/02/2005

Virginia intends to establish a branch at a

location approximately 300 feet west of the

intersection of 58 West and Charming Road,

Danville, Virginia.

VIRGINIA 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

CAPITALBANK GREENWOOD, SOUTH CAROLINA

FARMERS & MECHANICS BK FREDERICK, MARYLAND

FIRST BK STRASBURG, VIRGINIA

PATAPSCO BK DUNDALK, MARYLAND

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

Federal Reserve Bank of Atlanta

Filings received during the week ending August 27, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

09/19/2005

ABC Bancorp, Moultrie, Georgia, to merge

with First National Banc, Inc., St.Marys,

Georgia, and thereby acquire its subsidiaries,

First National Bank, St. Marys, Georgia, and

First National Bank, Orange Park, Florida.

ABC BANCORP

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco Popular Espanol, S.A., Madrid, Spain, to

establish an international representative office

in Miami, Florida.

BANCO POPULAR ESPANOL,

S.A.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 09/04/2005

branches at the following locations: 74 Blake

Boulevard, Celebration, Florida, to be known as

the Celebration Water Tower Office; and 6289

PGA Boulevard, Palm Beach Gardens, Florida,

to be known as the Mirasol Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 09/06/2005

branch located at 5300 30th Street, East,

Bradenton, Florida, to be known as the State

Road 70 Sam's Club Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 09/07/2005

branch located at 2575 Glades Circle, Weston,

Florida, to be known as the Savannah at

Weston Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 09/06/2005

branch located at 163 S. Tamiami Trail,

Osprey, Florida, to be known as the Osprey

Wal-Mart 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

NONE

CRA Examinations scheduled for Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

BANK OF ST PETERSBURG TAMPA, FLORIDA

BRAND BKG CO LAWRENCEVILLE, GEORGIA

CAPITAL CITY BK TALLAHASSEE, FLORIDA

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 27, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 08/22/2005

07/30/2005

Associated Banc-Corp, Green Bay, Wisconsin,

to merge with State Financial Services

Corporation, Milwaukee, Wisconsin, and

thereby indirectly acquire State Financial Bank,

N.A., Hales Corners, Wisconsin.

ASSOCIATED BANC-CORP

Newspaper:

Federal Register:

* 3A3 09/16/2005

09/22/2005

Bank of Montreal, Toronto, Ontario, Canada,

Harris Financial Corp., Chicago, Illinois, and

Harris Bankcorp, Inc., Chicago, Illinois, to

acquire 100 percent of the voting shares of

Edville Bankcorp, Inc., Villa Park, Illinois, and

thereby indirectly acquire Villa Park Trust &

Savings Bank, Villa Park, Illinois.

BANK OF MONTREAL

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 08/23/2005

Capitol Bancorp, Ltd., Lansing, Michigan,

indirectly through Capitol Development

Bancorp Limited III, Lansing, Michigan, to

acquire 51 percent of Bank of Santa Barbara (in

organization), Santa Barbara, California; and

by Capitol Development Bancorp Limited III,

Lansing, Michigan, to become a bank holding

company by acquiring 51 percent of the voting

shares of Bank of Santa Barbara (in

organization), Santa Barbara, California.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A1 Not available

09/19/2005

Commercial Bancshares, Inc., Whitewater,

Wisconsin, to become a bank holding company

by acquiring 100 percent of the voting shares of

Commercial Bank, Whitewater, Wisconsin.

COMMERCIAL BANCSHARES,

INC

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Community First Bank-Chicago, Chicago,

Illinois (in organization), to become a member

of the Federal Reserve System.

COMMUNITY FIRST

BANK-CHICAGO

Newspaper:

Federal Register:

4c8 Not applicable

09/15/2005

Marshall & Ilsley Corporation, Milwaukee,

Wisconsin, to acquire through its wholly owned

subsidiary, Metavante Corporation, 100 percent

of the issued and outstanding limited liability

membership interests of Brasfield Holdings,

LLC, Birmingham, Alabama, and thereby

engage in data processing and management

consulting activities.

MARSHALL & ILSLEY

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Pinnacle Bank, Marshalltown, Iowa, to 09/07/2005

establish a branch facility to be located at 1275

SE University Avenue, Waukee, Iowa.

PINNACLE BANK

Newspaper:

Federal Register:

CIC Not available

08/22/2005

Notice by Ben D. Grimstad, Decorah, Iowa and

Joseph L. Grimstad, Decorah, Iowa,

individually, to acquire control of 40.1 percent

of Security Agency, Inc., Decorah, Iowa, and

thereby indirectly Decorah Bank & Trust

Company, Decorah, Iowa.

SECURITY AGENCY, INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

74140 ISABELLA B&T, MOUNT PLEASANT, MICHIGAN 04/11/2005 08/18/2005 S Large Bank

CRA Examinations scheduled for Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

BANK IA RED OAK, IOWA

BLOOMINGDALE B&T BLOOMINGDALE, ILLINOIS

COMMUNITY FIRST BK BOSCOBEL, WISCONSIN

FARMERS & MRCH BK BERLIN, WISCONSIN

FARMERS ST BK BROOKSTON, INDIANA

FARMERS ST BK WESTERN IL ALPHA, ILLINOIS

FIRST AMER BK FORT DODGE, IOWA

FIRST CMNTY BK HARBOR SPRINGS, MICHIGAN

FIRST FARMERS B&T CONVERSE, INDIANA

FORT MADISON B&TC FORT MADISON, IOWA

GARRETT ST BK GARRETT, INDIANA

HARTSBURG ST BK HARTSBURG, ILLINOIS

HENDRICKS CTY B&TC BROWNSBURG, INDIANA

IOWA ST B&TC FAIRFIELD, IOWA

MIDWEST B&TC ELMWOOD PARK, ILLINOIS

MIDWEST BK WESTERN IL MONMOUTH, ILLINOIS

PEOPLES' BK ARLINGTON HEIGHTS ARLINGTON HEIGHTS, ILLINOIS

VILLA PARK T&SB VILLA PARK, ILLINOIS

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 27, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 08/30/2005

establish a branch facility to be located at 1515

South Utica, Tulsa, Oklahoma.

ARVEST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, St. Louis, Missouri, to establish a 09/08/2005

branch facility to be located at 1285 Corona

Pointe Court, Corona, California.

FIRST BANK

Newspaper:

Federal Register:

* 3A3 09/23/2005

09/22/2005

Jefferson Bancshares, Inc., Pine Bluff,

Arkansas, to acquire 100 percent of First

Security Bank of Clarksville, Clarksville,

Arkansas.

JEFFERSON BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 09/23/2005

09/22/2005

Liberty Bancshares, Inc., Jonesboro, Arkansas,

to acquire an additional 21.35 percent, for total

ownership of 50.15 percent, of Russellville

Bancshares, Inc., Jonesboro, Arkansas, and

thereby indirectly acquire First Arkansas Valley

Bank, Russellville, Arkansas.

LIBERTY BANCSHARES, INC

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

225559 BANK OF BARTLETT, BARTLETT, TENNESSEE 05/02/2005 08/17/2005 S Large Bank

361279 COMMUNITY BK, LEXINGTON, TENNESSEE 03/14/2005 06/24/2005 S Small Bank

77347 COMMUNITY FIRST BK, CORYDON, INDIANA 05/02/2005 08/22/2005 S Small Bank

123440 EAGLE B&TC, LITTLE ROCK, ARKANSAS 05/16/2005 08/22/2005 S Small Bank

CRA Examinations scheduled for Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

CITIZENS B&TC VAN BUREN, ARKANSAS

CITIZENS BK BATESVILLE, ARKANSAS

FIRST FINANCIAL BK EL DORADO, ARKANSAS

HEBER SPRINGS ST BK HEBER SPRINGS, ARKANSAS

MIDWEST BANKCENTRE LEMAY, MISSOURI

PEOPLES B&TC TROY, MISSOURI

SECURITY BK NEWBERN, TENNESSEE

SIMMONS FIRST BK SEARCY, ARKANSAS

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending August 27, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

American Bank of St. Paul, St. Paul,

Minnesota, to merge with American Bank of

Olivia, Olivia, Minnesota and incident thereto

establish branches at 815 East Depue Avenue,

Olivia, Minnesota and Main Street, Renville,

Minnesota.

AMERICAN BANK OF ST.

PAUL

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Belfield Bancshares, Inc., Belfield, North

Dakota, to acquire 51 percent of Great Plains

National Insurance Agency LLC, LaMoure,

North Dakota, and thereby indirectly engage in

the sale of insurance in a town of less than

5,000.

BELFIELD BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Security Bank of Missoula, Missoula,

Montana, to merge with First State Bank,

Thompson Falls, Montana and incident thereto

proposes to establish branches at 107 South

Fulton, Thompson Falls, Montana, 510 West

Railroad, Plains, Montana, and, 590 North

Montana, Dillon, Montana.

FIRST SECURITY BANK OF

MISSOULA

Newspaper:

Federal Register:

* 4c8 09/09/2005

09/09/2005

Frandsen Financial Corporation, Forest Lake,

Minnesota, to acquire 100 percent of QFC

Bancorp, Virginia, Minnesota, and thereby

indirectly acquire Queen City Federal Savings

Bank, Virginia, Minnesota, and thereby operate

a savings association.

FRANDSEN FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

09/16/2005

Riverland Bancorporation, Jordan, Minnesota

to become a bank holding company by

acquiring 100 percent of Riverland Bank,

Jordan, Minnesota, a de novo bank.

RIVERLAND

BANCORPORATION

* 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

BANKFIRST SIOUX FALLS, SOUTH DAKOTA

CITIZENS B&TC BIG TIMBER, MONTANA

CITIZENS ST BK OF CHOTEAU CHOTEAU, MONTANA

DAKOTA WESTERN BK BOWMAN, NORTH DAKOTA

FARMERS ST BK FAITH, SOUTH DAKOTA

FIRST CMNTY BK GLASGOW, MONTANA

FIRST PREMIER BK SIOUX FALLS, SOUTH DAKOTA

FLINT CREEK VALLEY BK PHILIPSBURG, MONTANA

HEARTLAND ST BK EDGELEY, NORTH DAKOTA

NORTH SHORE BK OF COMMERCE DULUTH, MINNESOTA

PROFINIUM FNCL TRUMAN, MINNESOTA

WESTERN BK OF WOLF POINT WOLF POINT, MONTANA

YELLOWSTONE BK LAUREL, MONTANA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 27, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Guaranty Bank and Trust Company, Denver, 09/19/2005

Colorado, to merge with Foothills Bank, Wheat

Ridge, Colorado, and to operate under the

charter and title of Guaranty Bank and Trust

Company, Denver, Colorado.

GUARANTY BANK AND

TRUST COMPANY

Newspaper:

Federal Register:

* 3A3 09/19/2005

09/19/2005

UMB Financial Corporation, Kansas City,

Missouri, to acquire 100 percent of the voting

shares of UMB Bank Arizona, National

Association, Phoenix, Arizona (in

organization).

UMB FINANCIAL

CORPORATION

* 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

BANK OF LOCUST GROVE LOCUST GROVE, OKLAHOMA

BANK OF VERSAILLES VERSAILLES, MISSOURI

BANKERS BK OF THE WEST DENVER, COLORADO

CASTLE ROCK BK CASTLE ROCK, COLORADO

CITIZENS FARMERS BK COLE CAMP COLE CAMP, MISSOURI

F&M B&TC TULSA, OKLAHOMA

FIDELITY ST B&TC DODGE CITY, KANSAS

FIRST B&TC BROKEN BOW, OKLAHOMA

FIRSTBANK ANTLERS, OKLAHOMA

FIRSTIER BK WY UPTON, WYOMING

FREEDOM BK OKLAHOMA TULSA, OKLAHOMA

HIGH PLAINS BK FLAGLER, COLORADO

OREGON TRAIL BK GUERNSEY, WYOMING

SECURITY BK PAWNEE, OKLAHOMA

UINTA CTY ST BK MOUNTAIN VIEW, WYOMING

UNION BK OF CHANDLER CHANDLER, OKLAHOMA

WESTSTAR BK VAIL, COLORADO

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 27, 2005

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

09/23/2005

First Financial Bankshares, Inc., Abilene,

Texas, to acquire by merger 100 percent of

Bridgeport Financial Corporation, Bridgeport,

Texas, and indirectly acquire Bridgeport

Bancshares, Inc., Dover, Delaware, and The

First National Bank of Bridgeport, Bridgeport,

Texas.

FIRST FINANCIAL

BANKSHARES, 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

BANK OF CMRC MCLEAN, TEXAS

FIRST BK MULESHOE, TEXAS

TEXASBANK FORT WORTH, TEXAS

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

Federal Reserve Bank of San Francisco

Filings received during the week ending August 27, 2005

Filing Type Filer Filing Proposal End of Comment Period

NONE

* 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 Fourth Quarter of 2005 (October 1, 2005 - December 31, 2005)

Institution Location

1ST PACIFIC BK CA SAN DIEGO, CALIFORNIA

PACIFIC ST BK STOCKTON, CALIFORNIA

SPECTRUM BK MONTEBELLO, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act