Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 50

Week Ending December 10, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 4, 2005 to December 10, 2005

Bank Holding Companies

Hudson Valley Holding Corp., Yonkers, New York -- to acquire New York National 

Bank, Bronx.

- Approved, December 5, 2005 

Forms

Forms -- final Board review to implement the Supplement to the Report of Changes 

in Organizational Structure (FR Y-10S).

- Approved, December 5, 2005 

Regulations And Policies

Information Security Standards -- publication of a Small-Entity Compliance Guide 

for the Interagency Guidelines Establishing Information Security Standards.

- Approved, November 29, 2005 (AC)

(AC) = Addition or Correction Board - Page 1 of 1
December 4, 2005 to December 10, 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

The Bank of Williamsburg, Williamsburg, Virginia -- to establish a branch at 5030 

George Washington Memorial Highway, Grafton.

- Approved, December 7, 2005 

Richmond

Dacotah Bank, Aberdeen, South Dakota -- to establish a branch at 410 West Villard 

Street, Dickinson, North Dakota.

- Approved, December 5, 2005 

Minneapolis

First State Bank N.M., Taos, New Mexico -- to establish a branch at 5225 North 

Academy, Suite 100, Colorado Springs, Colorado.

- Approved, December 8, 2005 

Secretary

Riverside Bank of Central Florida, Winter Park, Florida -- to establish branches at 

1017 East Vine Street, Kissimmee, and 4587 and 4589 HC Yates Lane, St. Cloud.

- Approved, December 8, 2005 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish branches at 2301 Berry Boulevard, 

Davenport, Florida, and 7450 Cypress Gardens Boulevard, Winter Haven.

- Approved, December 6, 2005 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 145 King Street, Suite 

101, Charleston, South Carolina.

- Approved, December 8, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority December 4, 2005 to December 10, 2005

Bank Holding Companies

Congressional Bancshares, Inc., Potomac, Maryland -- to become a bank holding 

company and to acquire Congressional Bank.

- Approved, December 6, 2005 

Richmond

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

Francisco, California -- to acquire First National Bank of Sachse, Sachse, Texas.

- Approved, December 7, 2005 

St. Louis

First Citizens Financial Corp., Mason City, Iowa -- to acquire Kanabec Credit 

Company, Mora, Minnesota, and thereby acquire Kanabec State Bank.

- Approved, December 9, 2005 

Chicago

First Sleepy Eye Bancorporation, Inc., Sioux Falls, South Dakota -- to acquire 

Stearns Bank of Evansville, National Association, Evansville, Minnesota.

- Approved, December 8, 2005 

Minneapolis

First Wyoming Financial Corporation, Wyoming, Delaware -- to become a bank 

holding company and to acquire First National Bank of Wyoming.

- Approved, December 5, 2005 

Philadelphia

FirsTier II Bancorp., Cheyenne, Wyoming -- to become a bank holding company 

and to acquire FirsTier Bank, Nebraska, Kimball, Nebraska.

- Approved, December 8, 2005 

Secretary

FirsTier III Bancorp., Broomfield, Colorado -- to become a bank holding company 

and to acquire FirsTier Bank, Colorado, Louisville, Colorado.

- Approved, December 8, 2005 

Secretary

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority December 4, 2005 to December 10, 2005

Bank Holding Companies

Frontier Holdings, LLC, Omaha, Nebraska -- to acquire Frontier Bancorp, 

Davenport, and thereby acquire Frontier Bank; and for Frontier Management, LLC, 

Omaha, to indirectly acquire Frontier Bancorp, Davenport.

- Approved, December 9, 2005 

Kansas City

Gateway Financial Holdings of Florida, Inc., Ormond Beach, Florida -- to become a 

bank holding company and to acquire Gateway Bank of Florida, a de novo bank.

- Approved, December 6, 2005 

Atlanta

Gateway Financial Holdings, Inc., Elizabeth City, North Carolina -- to acquire up to 

9.9 percent of the shares of Commonwealth Bankshares, Inc., Norfolk, Virginia, and 

thereby acquire up to 9.9 percent of the shares of Bank of the Commonwealth.

- Approved, December 5, 2005 

Richmond

German American Bancorp, Jasper, Indiana -- to merge with Stone City Bancshares, 

Inc., Bedford, and thereby acquire Stone City Bank of Bedford.

- Approved, December 6, 2005 

St. Louis

International Bancshares of Oklahoma, Inc., Yukon, Oklahoma -- waiver of 

application in connection with the proposed merger of its subsidiary, Yukon 

National Bank, and Peoples Bank, Oklahoma City.

- Granted, December 8, 2005 

Kansas City

Madison Financial Corporation, Madison, Mississippi -- to become a bank holding 

company and to acquire Madison County Bank.

- Approved, December 6, 2005 

Atlanta

Patriot Bancshares, Inc., Houston, Texas -- to become a bank holding company and 

to acquire Patriot Bank.

- Approved, December 8, 2005 

Dallas

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority December 4, 2005 to December 10, 2005

Bank Holding Companies

Peoples Community Bancorp, Inc., West Chester, Ohio -- waiver of application to 

acquire PFS Bancorp, Inc., Aurora, Indiana, in connection with the merger of their 

subsidiaries, Peoples Community Bank, West Chester, and Peoples Federal Savings 

Bank, Aurora.

- Approved, December 9, 2005 

Cleveland

Riverbend Financial Corporation, Fort Worth, Texas, and Riverbend Financial 

Corporation-Nevada, Carson City, Nevada -- to become bank holding companies 

and to acquire Riverbend Bank, Fort Worth.

- Approved, December 9, 2005 

Dallas

United Bancorporation of Wyoming, Inc., Jackson, Wyoming -- to acquire First 

National Bank Holding Company, Inc., Pinedale, and First National Bank of 

Pinedale.

- Withdrawn, December 6, 2005 

Kansas City

Bank Mergers

First Bank, St. Louis, Missouri -- to merge with First National Bank of Sachse, 

Sachse, Texas, and thereby establish a branch.

- Approved, December 7, 2005 

St. Louis

Bank Premises

Citizens Bank and Trust Company, Blackstone, Virginia -- to increase its 

investment in bank premises.

- Approved, December 8, 2005 

Richmond

Change In Bank Control

Selko Banco, Inc., Mead, Nebraska -- change in bank control.

- Permitted, December 6, 2005 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority December 4, 2005 to December 10, 2005

Competitive Factors Reports

Bank of Bridger, National Association, Bridger, Montana -- report on competitive 

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

liabilities of the Butte branch of First Interstate Bank, Billings.

- Submitted, December 5, 2005 

Minneapolis

First National Bank of Polk County, Winter Haven, Florida -- report on competitive 

factors of the proposed merger with CenterState Bank of Florida.

- Submitted, December 5, 2005 

Atlanta

FirstBank Southwest, Amarillo, Texas -- report on competitive factors of the 

proposed merger with Western National Bank.

- Submitted, December 7, 2005 

Dallas

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

proposed merger with Hamilton Interim Corporation.

- Submitted, December 5, 2005 

Atlanta

Legend Bank, National Association, Bowie, Texas -- report on competitive factors 

of the proposed acquisition of the Whitesboro branch of Surety Bank, Fort Worth.

- Submitted, December 6, 2005 

Dallas

New York National Bank, Bronx, New York -- report on competitive factors of the 

proposed consolidation with NYNB Bank, National Association, Yonkers, and 

merger with Hudson Valley Bank.

- Submitted, December 8, 2005 

New York

Extensions Of Time

River Bancorp, Inc., Martinsville, Virginia -- extension to March 23, 2006, to 

become a bank holding company and to acquire Smith River Community Bank, N.A.

- Granted, December 5, 2005 

Richmond

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority December 4, 2005 to December 10, 2005

Regulations And Policies

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

of check processing operations in the Boston Federal Reserve District (Docket No. 

R-1242).

- Approved, December 5, 2005 

Secretary

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

Federal Reserve Bank of Boston

Filings received during the week ending December 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Application by Northampton Cooperative

Bank, Northampton, MA, to become a member

of the Federal Reserve System pursuant to

section 9 of the Federal Reserve Act and

section 208.3 of Regulation H

NORTHAMPTON

CO-OPERATIVE BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notice pursuant to the Change in Bank Control

Act of 1978 by Joseph A. Riley who would

become a member of a group of related family

interests that currently owns greater than 25%

of the voting shares of Northern Bancorp, Inc.,

Woburn, Massachusetts.

NORTHERN BANCORP, INC.

* 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 December 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Banco Santander Central Hispano, S.A.,

Madrid, Spain, pursuant to Section 4(c)(8) of

the BHC Act and Section 225.24 of Regulation

Y, to acquire 24.99 percent of the voting shares

of Sovereign Bancorp, Inc., Philadelphia,

Pennsylvania, and thereby indirectly acquire

Sovereign Bank, Wyomissing, Pennsylvania,

and Independence Community Bank,

Brooklyn, New York, and thereby engage in

operating savings associations, pursuant to

Section 225.28(b)(4) of Regulation Y.

BANCO SANTANDER

CENTRAL HISPANO, S.A.

Newspaper:

Federal Register:

* 3A1 12/22/2005

12/29/2005

Final application by CheckSpring Community

Corporation, a Delaware corporation

headquartered in Bronx, New York, for prior

approval of the Board of Governors of the

Federal Reserve System, pursuant to Section

3(a)(1) of the Bank Holding Company Act of

1956, as amended, to become a bank holding

company through the acquisition of all the

voting stock to be issued by CheckSpring Bank

(in organization), a proposed de novo New

York State chartered commercial Bank.

CHECKSPRING COMMUNITY

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 01/06/2006

Community Partners Bancorp, Middletown,

New Jersey, to become a bank holding

company, pursuant to Section 3(a)(1) of the

BHC Act, and to acquire 100 percent of the

voting shares of Two River Community Bank,

Middletown, New Jersey and The Town Bank,

Westfield, New Jersey, pursuant to Section

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

Community Partners Bancorp

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Notice by Bank Hapoalim B.M., Arison

Holdings Ltd. and Israel Salt Industries Ltd. all

of Tel Aviv, Israel to acquire Investec USA,

New York, NY and thereby engage in

nonbanking activities pursuant to Sections

225.28(b)(6), (7) and (8) of Regulation Y.

ISRAEL SALT INDUSTRIES

LTD.

Newspaper:

Federal Register:

* 3A3 Not available

01/06/2006

Application by Rabobank Nederland B.V. and

Rabobank International Holdings B.V both of

Utrecht, the Netherlands, and their direct and

indirect subsidiairies Utrect-America Holdings,

New York, New York and VIB Corporation, El

Centro, California to acquire Central Coast

Bancorp and thereby its banking subsidiairy

Community Bank of Central California, both

of Salinas, California pursuant to Section

3(a)(3) of the BHCA.

RABOBANK NEDERLAND

* 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 December 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Premises Not applicable

Orrstown Bank, Shippensburg, PA, to establish

a branch office at 201 South Cleveland

Avenue, City of Hagerstown, Washington

County, MD

ORRSTOWN BANK

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

1391415 PENNSYLVANIA ST BK, CAMP HILL, PENNSYLVANIA 06/06/2005 11/29/2005 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 December 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Bank Control

filed by Mr. Jay L. Dunlap, Lincoln, NB acting

as attorney and agent on behalf of Mark

Dunlap to vote 58.25 shares or 55.48% of the

outstanding voting shares of New Richmond

Bancorporation, New Richmond, OH.

NEW RICHMOND

BANCORPORATION

* 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 December 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, Strasburg, Virginia, to establish a 12/20/2005

branch on Route 50 Winchester, Virginia, in a

development called Round Hill Crossing.

FIRST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

TruPoint Bank, Grundy, Virginia, to establish 12/16/2005

a branch at 709 Med Tech Parkway, Johnson

City, Tennessee.

TRUPOINT 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

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 December 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

AmSouth Bank, Birmingham, Alabama, to 12/16/2005

establish branches at the following locations:

175 West Granada Boulevard, Ormond Beach,

Florida, to be known as the Ormond Beach

Branch; the intersection of US Highway 27 and

Northwest 44th Avenue, Ocala, Florida, to be

known as the Northwest Ocala Branch; the

intersection of North Wickham Road and Post

Road, to be known as the Wickham & Post

Branch; the intersection of Ulrnerton Road and

Seminole Boulevard, Clearwater, Florida, to be

known as the Largo Mall Branch; the

intersection of US 441 and SE 167th Road,

Summerfield, Florida, to be known as the

South Marion Branch; the intersection of

County Road 581 and County Line Road,

Tampa, Florida, to be known as the Wiregrass

Ranch Branch; 555 Ridgewood Avenue, Holly

Hill, Florida, to be known as the Holly Hill

Branch; 200 Fifth Avenue, Indialantic, Florida,

to be known as the Indialantic Branch; and the

intersection of Edgewater Drive and Clayton

Street, Orlando, Florida, to be known as the

College Park Branch.

AMSOUTH BANK

Newspaper:

Federal Register:

* Branch

Not applicable

AmSouth Bank, Birmingham, Alabama, to 12/19/2005

establish branches at the following locations:

the intersection of County Road 540A and

Lakeland Highlands Road, Lakeland, Florida,

to be known as the Highlands Square Branch;

1501 West Jackson Avenue, Oxford,

Mississippi, to be known as the Oxford

Branch; Cattlemen Road, just South of the Bee

Ridge Road intersection, to be known as the

East Sarasota Branch; the intersection of

Vanderbilt Beach Road and Collier Boulevard,

Naples, Florida, to be known as the Island

Walk Branch; 4710 Bayou Boulevard,

Pensacola, Florida, to be known as the Bayou

Boulevard Branch; the intersection of Bonita

Beach Road and Trade Way Two, Bonita

Springs, Florida, to be known as the Bernwood

Branch; the intersection of Herschel and

Margaret Streets, Jacksonville, Florida, to be

known as the Avondale Branch; and the

intersection of State Road 64 and Lakewood

Ranch, Bradenton, Florida, to be known as the

North Lakewood Ranch Branch.

AMSOUTH BANK

Newspaper:

Federal Register:

* 3A3 12/19/2005

12/16/2005

Compass Bancshares, Inc., Birmingham,

Alabama, to acquire 100 percent of the

outstanding shares of TexasBanc Holding Co.,

Weatherford, Texas, and indirectly acquire M

& F Financial Corp., Wilmington, Delaware,

and TexasBank, Fort Worth, Texas.

COMPASS BANCSHARES,

INC.

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

Federal Reserve Bank of Atlanta

Filings received during the week ending December 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 12/15/2005

establish a branch located at 11890

Westheimer Road, Houston, Texas, to be

known as the Houston-Westheimer Branch.

COMPASS BANK

Newspaper:

Federal Register:

* 3A1 12/26/2005

01/03/2006

First Federal Bancorp, Columbia, Mississippi,

a thrift holding company, to become a bank

holding company upon the conversion of its

wholly-owned thrift subsidiary, First Federal

Bank for Savings, Columbia, Mississippi, to a

state nonmember bank, to be known as First

Southern Bank, Columbia, Mississippi.

FIRST FEDERAL BANCORP

Newspaper:

Federal Register:

CIC Not available

12/23/2005

General Bancshares, Inc., Jasper, Tennessee

(Bancshares), prior change in control filed by

Clara Brown, Jasper, Tennessee, to acquire

1.62 percent of the outstanding stock of

General Bancshares, Inc., and its subsidiary

bank, Citizens State Bank, Jasper, Tennessee.

Pro forma total ownership will be 12.32

percent.

GENERAL BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 12/30/2005

12/22/2005

Liberty Shares, Inc., Hinesville, Georgia, to

acquire 100 percent of the outstanding shares

of Peoples Banking Corporation, and thereby

indirectly acquire Peoples Bank, both of

Blackshear, Georgia.

LIBERTY SHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 12/17/2005

establish a branch located at 3805 Macon

Road, Columbus, Georgia.

REGIONS BANK

Newspaper:

Federal Register:

* 4c8 Not available

12/29/2005

The Savannah Bancorp, Inc., Savannah,

Georgia, to acquire 100 percent of the

outstanding shares of Harbourside Community

Bank, Hilton Head, South Carolina, and

thereby engage in operating a savings

association.

SAVANNAH BANCORP, INC.,

THE

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending December 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Member 01/03/2006

AJJ Bancorp, Inc., Elkader, Iowa, to acquire

100 percent of the voting shares of Corridor

State Bank (in organization), Coralville, Iowa,

and for Corridor State Bank (in organization),

Coralville, Iowa, to become a member in the

Federal Reserve System.

AJJ BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

12/27/2005

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited III,

Lansing, Michigan, to acquire 51 percent of

the voting shares of Community Bank of

Rowan (in organization), Salisbury, North

Carolina.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A3 Not available

01/09/2006

FBOP Corporation, Oak Park, Illinois, to

acquire 28.26 percent of the voting shares of

Community Bank of Lemont, Lemont, Illinois.

FBOP CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

12/19/2005

First Internet Bancorp, Indianapolis, Indiana,

to become a bank holding company by

acquiring 100 percent of the voting shares of

First Internet Bank of Indiana, Indianapolis,

Indiana.

FIRST INTERNET BANCORP

Newspaper:

Federal Register:

* Branch

Not applicable

Irwin Union Bank and Trust Company, 12/15/2005

Columbus, Indiana, to establish a branch

facility to be located at 707 Creekview Drive,

Columbus, Indiana.

IRWIN UNION BANK AND

TRUST COMPANY

Newspaper:

Federal Register:

* 4c8 Not available

* 3A3 12/19/2005

MainSource Financial Group, Inc.,

Greensburg, Indiana, to acquire 100 percent of

the voting shares of Union Community

Bancorp, Crawfordsville, Indiana, and thereby

indirectly acquire Union Federal Savings and

Loan Association, Crawfordsville, Indiana.

The Savings Association will merge into

MainSource Bank-Crawfordsville, a newly

formed Indiana state-chartered commercial

bank.

MAINSOURCE FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* 3A5

4c8

12/23/2005

12/29/2005

Marshall & Ilsley Corporation, Milwaukee,

Wisconsin, to acquire 100 percent of the voting

shares of Gold Banc Corporation, Inc.,

Leawood, Kansas, and thereby indirectly

acquire Gold Bank, Leawood, Kansas, Gold

Capital Management, Inc. Overland Park,

Kansas, and thereby to engage in

broker-dealer/investment advisor activities, and

Gold Trust Company, Saint Joseph, Missouri,

and thereby to engage in trust company

activities.

MARSHALL & ILSLEY

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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St.Louis

Filings received during the week ending December 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Cross County Bank, Wynne, Arkansas, to 12/24/2005

establish a branch facility to be located at 900

Enterprise Drive, Jonesboro, Arkansas.

CROSS COUNTY BANK

Newspaper:

Federal Register:

* 3A1 01/04/2006

01/06/2006

Illinois Bancshares, Inc., Karnak, Illinois, to

become a bank holding company by acquiring

96.5 percent of The First State Bank of Grand

Chain, Grand Chain, Illinois.

ILLINOIS BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

12/27/2005

King Bancorp, Inc., Louisville, Kentucky, to

engage in lending.

KING BANCORP, INC.

Newspaper:

Federal Register:

* 3A5

* 18C

* Branch

12/23/2005

01/03/2006

Lincoln County Bancorp, Inc., Troy, Missouri,

to merge with Centennial Bancshares

Corporation, Elsberry, Missouri, and thereby

indirectly acquire Bank of Lincoln County,

Elsberry, Missouri. Also, Peoples Bank &

Trust Co., Troy, Missouri, to purchase the

assets and assume the liabilities of Bank of

Lincoln County, Elsberry, Missouri, and to

retain the acquired main office facility as a

branch office.

LINCOLN COUNTY

BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 01/06/2006

12/30/2005

M&P Community Bancshares, Inc. 401(k)

Employee Stock Ownership Plan, Newport,

Arkansas, to become a bank holding company

by acquiring an additional 1.63 percent for

total ownership of 26.58 percent of M&P

Bancshares, Inc., Newport, Arkansas, and

thereby indirectly acquire Greers Ferry Lake

State Bank, Heber Springs, Arkansas, and

Merchants & Planters Bank, Newport,

Arkansas.

M&P COMMUNITY

BANCSHARES, INC. 401(K)

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A5 Not available

01/05/2006

The Templar Fund, Inc., Saint Louis, Missouri,

Trubank Securities Trust, Clayton, Missouri,

and Truman Bancorp, Inc., Clayton, Missouri,

to acquire 100 percent of FFC Financial

Corporation, St. Louis, Missouri, and thereby

indirectly acquire Keystone Bank, Northwoods,

Missouri.

TEMPLAR FUND, INC., THE

* 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 December 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/06/2006

Beulah Bancorporation, Inc., Sioux Falls,

South Dakota to acquire 100 percent of Valley

Bank & Trust, Mapleton, Iowa.

BEULAH BANCORPORATION,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

01/06/2006

Fishback Financial Corporation, Brookings,

South Dakota, to acquire 100 percent of the

outstanding stock of FMB Bankshares, Inc.,

Sioux Falls, South Dakota, and thereby

indirectly acquire First American Bank &

Trust, N.A., Sioux Falls, South Dakota.

FISHBACK FINANCIAL

CORPORATION

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending December 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/02/2006

01/06/2006

Bank of Choice Holding Company, Evans,

Colorado, to acquire 100 percent of the voting

shares of The First National Bank of Arvada,

Arvada, Colorado.

BANK OF CHOICE HOLDING

COMPANY

Newspaper:

Federal Register:

CIC 12/27/2005

12/27/2005

Notification by the Lynda L. Cameron 2005

Family Trust, Oklahoma City, Oklahoma, to

become a member of a group acting in concert

to acquire control of First Fidelity Bancorp,

Inc., parent of First Fidelity Bank, N.A., both

in Oklahoma City, Oklahoma.

FIRST FIDELITY BANCORP,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

United Bancorporation of Wyoming, Inc.,

Jackson, Wyoming, to acquire 100 percent of

the voting shares of First National Bank

Holding Company, Inc., and thereby indirectly

acquire First National Bank of Pinedale, both

in Pinedale, Wyoming.

UNITED BANCORPORATION

OF WYOMING, INC.

* 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 December 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 December 10, 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:

* 3A1 Not available

12/22/2005

Oregon Coast Bancshares, Inc., Newport,

Oregon, to become a bank holding company by

acquiring 100 percent of Oregon Coast Bank,

Newport, Oregon.

OREGON COAST

BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

SouthwestUSA Corporation, Las Vegas,

Nevada, to acquire 100 percent of Trustar

Corporation, Las Vegas, Nevada, and

indirectly acquire Nevada Trust Company, Las

Vegas, Nevada, thereby engaging in trust

activities.

SOUTHWESTUSA

CORPORATION

* 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