Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 42

Week Ending October 15, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions October 9, 2005 to October 15, 2005

Enforcement

Deutsche Bank Trust Company Americas, New York, New York -- written 

agreement with the Federal Reserve Bank of New York and the New York State 

Banking Department.

- Announced, October 14, 2005 

Surety Capital Corporation, Fort Worth, Texas -- written agreement with the Federal 

Reserve Bank of Dallas.

- Announced, October 14, 2005 

(AC) = Addition or Correction Board - Page 1 of 1
October 9, 2005 to October 15, 2005

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

Comerica Bank, Detroit, Michigan -- to establish a branch at 3001 North Tamiami 

Trail, Naples, Florida.

- Approved, October 13, 2005 

Secretary

Commercial Bank, Harrogate, Tennessee -- to establish a branch at 2320 South U.S. 

Highway 421, Harlan, Kentucky.

- Approved, October 13, 2005 

Atlanta

Farmers & Merchants Bank, Timberville, Virginia -- to establish a branch at 1085 

Port Republic Road, Harrisonburg.

- Approved, October 12, 2005 

Richmond

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 2151 Schorray Drive, 

Lancaster.

- Approved, October 11, 2005 

Cleveland

IBERIABANK, Lafayette, Louisiana -- to establish a branch at 1100 East Main 

Street, Broussard.

- Approved, October 14, 2005 

Atlanta

IBERIABANK, Lafayette, Louisiana -- to establish a branch at 338 Settlers Trace.

- Approved, October 14, 2005 

Atlanta

Regions Bank, Birmingham, Alabama -- to establish a branch at 4725 South 

Flamingo Road, Cooper City, Florida.

- Approved, October 11, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority October 9, 2005 to October 15, 2005

Bank Holding Companies

1st Advantage Bancshares, Inc., St. Peters, Missouri -- to become a bank holding 

company and to acquire 1st Advantage Bank.

- Approved, October 13, 2005 

St. Louis

Bank of America Corporation, Charlotte, North Carolina -- to acquire certain assets 

and assume certain liabilities of Works, Inc., Austin, Texas.

- Approved, October 14, 2005 

Richmond

Bridgewater Bancshares, Inc., Bloomington, Minnesota -- to become a bank holding 

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

- Approved, October 12, 2005 

Minneapolis

CNB Financial Corporation, Worcester, Massachusetts -- to become a bank holding 

company and to acquire Commonwealth National Bank.

- Approved, October 11, 2005 

Boston

Commonwealth Bank of Australia, Sydney, Australia -- for its subsidiary, 

CommSec LLC, New York, New York, to engage in securities brokerage, private 

placement, and other transactional services.

- Approved, October 11, 2005 

New York

Enterprise Financial Services Group, Inc., Allison Park, Pennsylvania -- to become a 

bank holding company and to acquire Enterprise Bank; and for Enterprise Employee 

Stock Ownership Plan to become a bank holding company and to acquire 22 percent 

of the shares of Enterprise Financial Services Group.

- Returned, October 13, 2005 

Cleveland

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority October 9, 2005 to October 15, 2005

Bank Holding Companies

First Midwest Bancorp, Inc., Itasca, Illinois -- to acquire at least 15 percent of the 

shares of Textura, LLC, Lake Bluff, and thereby engage in providing data 

processing services.

- Approved, October 13, 2005 

Chicago

German American Bancorp, Jasper, Indiana -- to acquire 9.8 percent of the shares of 

Eclipse Bank, Inc., Louisville, Kentucky, a de novo bank.

- Approved, October 12, 2005 

St. Louis

Main Banc, Inc., Albuquerque, New Mexico -- to become a bank holding company 

and to acquire Interamerica Bank.

- Approved, October 11, 2005 

Kansas City

Newnan Coweta Bancshares, Inc., Newnan, Georgia -- relief from a commitment.

- Withdrawn, October 13, 2005 

Atlanta

North American Bancshares, Inc., Sherman, Texas, and Texoma Holding Company 

Inc., Dover, Delaware -- to acquire State Bank and Trust of Seguin, Seguin, Texas.

- Approved, October 13, 2005 

Dallas

Regions Financial Corporation, Birmingham, Alabama -- request for an exemption 

under the Depository Institutions Management Interlocks Act and Regulation L.

- Granted, October 14, 2005 

General Counsel

Change In Bank Control

General Bancshares, Inc., Jasper, Tennessee -- change in bank control.

- Withdrawn, October 11, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority October 9, 2005 to October 15, 2005

Competitive Factors Reports

Border State Bank, Greenbush, Minnesota -- report on competitive factors of the 

proposed merger with Border State Bank of International Falls, International Falls.

- Submitted, October 14, 2005 

Minneapolis

Brill State Bank, Rice Lake, Wisconsin -- report on competitive factors of the 

proposed merger with Brill Investments, Pahrump, Nevada.

- Submitted, October 11, 2005 

Minneapolis

Buena Vista National Bank of Chester, Chester, Illinois -- report on competitive 

factors of the proposed merger with Citizens Community Bank of Decatur, Decatur.

- Submitted, October 13, 2005 

St. Louis

Commercebank, National Association, Coral Gables, Florida -- report on 

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

the Miami branch of Banco de Sabadell, S.A., Miami.

- Submitted, October 11, 2005 

Atlanta

Commonwealth National Bank, Worcester, Massachusetts -- report on competitive 

factors of the proposed merger with CNB Interim National Bank.

- Submitted, October 11, 2005 

Boston

Enfield Federal Savings and Loan Association, Enfield, Connecticut -- report on 

competitive factors of the proposed corporate reorganization from a mutual holding 

company to a stock holding company structure.

- Submitted, October 13, 2005 

Boston

The First Bank of Brunswick, Brunswick, Georgia -- report on competitive factors 

of the proposed merger with First National Bank, St. Marys.

- Submitted, October 12, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority October 9, 2005 to October 15, 2005

Competitive Factors Reports

First South Bank, Bolivar, Tennessee -- report on competitive factors of the 

proposed purchase of certain assets and assumption of deposit liabilities of two 

Dyersburg branches of First Tennessee Bank, N.A., Memphis.

- Submitted, October 12, 2005 

St. Louis

First State Bank of Eldorado, Eldorado, Illinois -- report on competitive factors of 

the proposed purchase of assets and assumption of liabilities of the Evansville, 

Indiana, branch of The First National Bank of Dana, Dana.

- Submitted, October 14, 2005 

St. Louis

First Tennessee Bank National Association Memphis, Memphis, Tennessee -- report 

on competitive factors of the proposed merger with Town and Country Bank of the 

Ozarks, Republic, Missouri.

- Submitted, October 12, 2005 

St. Louis

Flag Bank, Atlanta, Georgia -- report on competitive factors of the proposed merger 

with First Capital Bank, Norcross.

- Submitted, October 14, 2005 

Atlanta

The Grant County Bank, Petersburg, West Virginia -- report on competitive factors 

of the proposed merger with The National Bank of Davis, Davis.

- Submitted, October 12, 2005 

Richmond

Mid-Missouri Bank, Springfield, Missouri -- report on competitive factors of the 

proposed purchase of assets and assumption of deposit liabilities of the Republic 

branch of First Tennessee Bank, N.A., Memphis, Tennessee.

- Submitted, October 12, 2005 

St. Louis

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority October 9, 2005 to October 15, 2005

Competitive Factors Reports

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

merger with Farmers and Merchants State Bank, Ladonia.

- Submitted, October 11, 2005 

Dallas

Roundbank, Waseca, Minnesota -- report on competitive factors of the proposed 

merger with American Savings, Inc., Farmington.

- Submitted, October 14, 2005 

Minneapolis

Sun National Bank, Vineland, New Jersey -- report on competitive factors of the 

proposed merger with Advantage Bank, Branchburg.

- Submitted, October 12, 2005 

Philadelphia

Extensions Of Time

Bank of America Corporation, Charlotte, North Carolina -- commenter's request for 

an additional extension of the comment period on the application to acquire MBNA 

Corporation, Wilmington, Delaware.

- Denied, October 12, 2005 

Secretary

The Citizens Bank of Edmond, Edmond, Oklahoma -- extension to January 16, 

2006, to establish a branch at 855 West Covell Road.

- Granted, October 14, 2005 

Kansas City

East Penn Bank, Emmaus, Pennsylvania -- extension to October 14, 2006, to 

establish a branch at 502 State Road, Borough of Emmaus.

- Granted, October 14, 2005 

Philadelphia

Regions Bank, Birmingham, Alabama -- extension to October 18, 2006, to establish 

a branch on Ocoee Crossing, Cleveland, Tennessee.

- Granted, October 13, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority October 9, 2005 to October 15, 2005

Extensions Of Time

Regions Bank, Birmingham, Alabama -- extension to November 15, 2006, to 

establish a branch at the intersection of Wilson Park Avenue and FM 620, Four 

Points, Texas.

- Granted, October 13, 2005 

Atlanta

Membership

Cross Country Bank, Wynne, Arkansas -- to become a member of the Federal 

Reserve System.

- Approved, October 13, 2005 

St. Louis

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on September 20, 2005.

- Published, October 11, 2005 

FOMC

Regulation CC -- technical amendments to Appendix A to reflect the restructuring 

of check processing operations in the Cleveland, Kansas City, and Dallas Federal 

Reserve Districts (Docket No. R-1237).

- Approved, October 11, 2005 

Secretary

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

Federal Reserve Bank of Boston

Filings received during the week ending October 15, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 10/14/2005

Application by Butler Bancorp, MHC and

Butler Bancorp, Inc., both of Lowell,

Massachusetts, to become a mutual bank

holding company and a stock bank holding

company, respectively, by acquiring Butler

Bank, Lowell, Massachusetts, pursuant to

section 3(a)(1) and section 3(a)(3) of the Bank

Holding Company Act of 1956, as amended.

BUTLER BANCORP, MHC

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 11/04/2005

Section 3(a)(1) and 3(a)(3) application by

Salem Five Bancorp, Salem, Massachusetts to

become a mutual bank holding company

through the acquisition of Salem Five Cents

Savings Bank, Salem, Massachusetts, and

immediately thereafter to acquire Heritage

Co-operative Bank, Salem, Massachusetts.

SALEM FIVE 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 October 15, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Deutsche Genossenschafts-Hypothekenbank

AG, Hamburg, Germany, requests prior

approval to establish a NY rep office.

DEUTSCHE

GENOSSENSCHAFTS-HYPOTH

EKENBANK AG

Newspaper:

Federal Register:

* 3A1 10/25/2005

10/31/2005

Application by Magyar Bancorp, MHC and

Magyar Bancorp, Inc., both of New Brunswick,

New Jersey, for prior approval of the Board to

control directly and indirectly, respectively,

100% of the voting shares of Magyar Bank,

New Brunswick, New Jersey.

MAGYAR BANCORP, MHC

Newspaper:

Federal Register:

* 3A3 Not available

10/20/2005

The Toronto-Dominion Bank, Toronto,

Ontario, Canada, and TD Banknorth Inc.,

Portland, Maine, propose to acquire 100 percent

of the voting shares of Hudson United Bancorp,

and it wholly-owned subsidiary, Hudson United

Bank, both of Mahwah, New Jersey, pursuant to

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

Act, and Section 225.15 of Regulation Y.

TORONTO-DOMINION BANK,

THE

* 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 October 15, 2005

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

331713 NEW TRIPOLI BK, NEW TRIPOLI, PENNSYLVANIA 05/02/2005 10/05/2005 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending October 15, 2005

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending October 15, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 10/22/2005

10/20/2005

Notice by Mason Young Garrett and Mary Beth

Garrett both of Belton, South Carolina, to

increase control of GrandSouth Bancorporation,

Greenville, South Carolina.

GRANDSOUTH

BANCORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

New Peoples Bank, Honaker, Virginia, to 10/24/2005

establish a branch at 11421 Indian Creek Road,

Pound, Virginina.

NEW PEOPLES BANK, INC.

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending October 15, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

AmSouth Bank, Birmingham, Alabama, to 10/27/2005

establish branches at the following locations:

12562 Race Track Road, Tampa, Florida, to be

known as the Nine Eagles Branch; 9907 N.

Dale Mabry Highway, Carrollwood, Florida, to

be known as the Lake Carroll Branch; 15580

Old Hickory Boulevard, Nashville, Tennessee,

to be known as the Nippers Corner Branch; and

20171 Summerlin Road, Ft. Myers, Florida, to

be known as the Sanibel Branch.

AMSOUTH BANK

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:

* 3A1 10/12/2005

11/10/2005

Flint Community Bancshares, Inc., Albany,

Georgia, to become a bank holding company by

acquiring 100 percent of the outstanding shares

of Flint Community Bank, Albany, Georgia (in

organization).

FLINT COMMUNITY

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Madison Financial Corporation, to become a

bank holding company by acquiring 100

percent of the outstanding shares of Madison

County Bank, both of Madison, Mississippi.

MADISON FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 10/12/2005

establish a branch located at 2131 Ayrsley

Town Boulevard, Charlotte, North Carolina.

REGIONS BANK

Newspaper:

Federal Register:

* 3A1 10/24/2005

11/10/2005

SBT Bancorp, Inc., Clarkesville, Georgia, to

become a bank holding company by acquiring

100 percent of the outstanding shares of

Southern Bank & Trust, Clarkesville, Georgia

(in organization).

SBT BANCORP, INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

655839 COVINGTON CTY BK, ANDALUSIA, ALABAMA 06/13/2005 10/02/2005 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 15, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 10/16/2005

10/13/2005

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited I,

Lansing, Michigan, to acquire 51 percent of the

voting shares of Bank of Belleville (in

organization), Belleville, Illinois.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A1 Not available

10/28/2005

Plymouth Bancorp Inc., Kirkwood, Missouri, to

become a bank holding company by acquiring

100 percent of the voting shares of Community

State Bank of Plymouth, Plymouth, Illinois.

PLYMOUTH BANCORP INC.

Newspaper:

Federal Register:

CIC Not available

10/31/2005

Notice by James Jay Johnson, Sutherland, Iowa,

to gain control of R & J Financial Corporation,

Inc., Elma, Iowa, and thereby indirectly Peoples

Savings Bank, Charles City, Iowa.

R & J FINANCIAL

CORPORATION

* 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

457547 UNIONBANK, STREATOR, ILLINOIS 05/09/2005 10/06/2005 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending October 15, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Cross County Bank, Wynne, Arkansas, to

become a member of the Federal Reserve

System.

CROSS COUNTY BANK

Newspaper:

Federal Register:

* 3A3

* 3A1

4c8

11/12/2005

11/15/2005

Farmers Capital Bank Corporation, Frankfort,

Kentucky, to acquire 100 percent of Citizens

Bancorp, Inc., Newport, Kentucky, and thereby

indirectly acquire Citizens Bank of Northern

Kentucky, Newport, Kentucky. Also a

companion application by Citizens Acquisition

Subsidiary Corp., Frankfort, Kentucky

("Acquisition Corp."), to become a bank

holding company through its merger with

Citizens Bancorp, Inc. Through the merger,

Acquisition Corp. will also acquire Citizens

Financial Services, Inc., Newport, Kentucky,

and thereby indirectly engage in activities

relating to securities brokerage and financial

planning services.

FARMERS CAPITAL BANK

CORPORATION

Newspaper:

Federal Register:

* 3A3 11/07/2005

11/04/2005

Porter Bancorp, Inc., Shepherdsville, Kentucky,

to increase its ownership to 100 percent of

BBA, Inc., Shepherdsville, Kentucky, and

thereby indirectly acquire Bullitt County Bank,

Shepherdsville, Kentucky.

PORTER BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Pulaski Bank and Trust Company, Little Rock, 10/25/2005

Arkansas, to establish a branch facility to be

located at 7465 Poplar Avenue, Germantown,

Tennessee.

PULASKI BANK AND TRUST

COMPANY

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending October 15, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

11/10/2005

Citizens Development Company, Billings,

Montana to merge with United Bancorporation,

Billings, Montana and thereby indirectly

acquire Lincoln County Bank, Merrill,

Wisconsin; United Bank, Osseo, Wisconsin;

Bank of Poynette, Poynette, Wisconsin and

Cambridge State Bank, Cambridge, Wisconsin.

CITIZENS DEVELOPMENT

COMPANY

Newspaper:

Federal Register:

* 3A5 Not available

11/10/2005

Citizens Development Company, Billings,

Montana to merge with Midwest

Bancorporation, Billings, Montana and thereby

indirectly acquire Clarke County State Bank,

Osceola, Iowa, Farmers and Merchants State

Bank, Iroquois, South Dakota and Farmers

State Bank, Stickney, South Dakota.

CITIZENS DEVELOPMENT

COMPANY

* 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

65559 PIONEER B&TC, BELLE FOURCHE, SOUTH DAKOTA 06/13/2005 09/27/2005 S Large Bank

920854 PIONEER BK, MAPLETON, MINNESOTA 06/27/2005 09/27/2005 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 October 15, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Parsons, Parsons, Kansas, to establish a 10/13/2005

branch at the junction of U.S. Highways 400

and 59 inside the Wal-Mart Super Center,

Parsons, Kansas.

BANK OF PARSONS

Newspaper:

Federal Register:

* 3A1 Not available

11/10/2005

Collegiate Peaks Bancorp, Inc., Denver,

Colorado, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of Collegiate Peaks Bank, Buena

Vista, Colorado.

COLLEGIATE PEAKS

BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 11/07/2005

11/10/2005

First Financial Bancshares, Inc., Lawrence,

Kansas, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of The Lawrence Bank,

Lawrence, Kansas.

FIRST FINANCIAL

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 10/30/2005

11/10/2005

Nebraska Bankshares, Inc., Farnam, Nebraska,

to acquire up to 100 percent of the voting shares

of First State Bank (also known as Holbrook

Exchange Company, Holbrook, Nebraska (in

organization).

NEBRASKA BANKSHARES,

INC.

Newspaper:

Federal Register:

* 3A1 11/05/2005

10/28/2005

RelianzBancshares Inc., Wichita, Kansas, to

become a bank holding company through the

acquisition of 100 percent of the voting shares

of RelianzBank, Wichita, Kansas (in

organization).

RELIANZBANCSHARES INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

SolutionsBank, Overland Park, Kansas, to

merge with Citizens Home Bank, Greenfield,

Missouri, and incident thereto, to establish

several branches. SolutionsBank, Overland

Park, Kansas, to establish a branch at 127 West

10th STreet, Kansas City, Missouri.

SOLUTIONSBANK

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending October 15, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

New Waggoner, Inc., Vernon, Texas, to become

a bank holding company by acquiring 100

percent of Waggoner National Bancshares, Inc.,

Vernon, Texas, and indirectly acquire Vernon

Bancshares, Inc., Wilmington, Delaware, and

Waggoner National Bank, Vernon, Texas.

NEW WAGGONER, INC.

Newspaper:

Federal Register:

* 3A1 10/26/2005

11/04/2005

South Plains Financial, Inc. Employee Stock

Ownership Plan, Lubbock, Texas, to become a

bank holding company by acquiring 26 percent

of South Plains Financial, Inc., Lubbock, Texas,

and indirectly acquire South Plains Delaware

Financial Corporation, Dover, Delaware, City

Bank, Lubbock, Texas, Zia Financial

Corporation, Ruidoso, New Mexico, and City

Bank New Mexico, Ruidoso, New Mexico.

SOUTH PLAINS FINANCIAL,

INC. EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Tradition Bank, Houston, Texas, to establish a

branch to be located at 3205 College Park

Drive, The Woodlands, Texas 77384.

TRADITION BANK

* 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 October 15, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of the Federated States of Micronesia,

Kolonia, Pohnpei, Federated States of

Micronesia, to establish a limited service

non-insured branch in Honolulu, Hawaii,

pursuant to section 7(d)of the International

Banking Act, and section 211.24(a)(1) of

Regulation K.

BANK OF THE FEDERATED

STATES OF MICRONESIA

Newspaper:

Federal Register:

* 3A3 Not available

10/10/2005

Cathay General Bancorp, Los Angeles,

California, to acquire up to 100 percent of Great

Eastern Bank, New York, New York.

CATHAY GENERAL BANCORP

Newspaper:

Federal Register:

CIC 10/20/2005

10/11/2005

Notice by Enoch Andrus Ludlow to retain his

ownership in Far West Bancorporation, Provo,

Utah, and thereby indirectly increase his

ownership in Far West Bank, Provo, Utah.

FAR WEST

BANCORPORATION

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Westside Banking Company, University Place,

Washington, to become a bank holding

company by acquiring 100 percent of Westside

Community Bank, University Place,

Washington.

Westside Banking Company

* 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