Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 19

Week Ending May 13, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions May 7, 2006 to May 13, 2006

Discount Rates

Discount and Advance Rates -- increase in the primary credit rate from 5-3/4 

percent to 6 percent by the Federal Reserve Banks of Boston, New York, 

Philadelphia, Cleveland, Richmond, Atlanta, Chicago, St. Louis, Minneapolis, 

Dallas, and San Francisco.

- Approved, May 10, 2006 

Discount and Advance Rates -- increase in the primary credit rate from 5-3/4 

percent to 6 percent by the Federal Reserve Bank of Kansas City.

- Approved, May 11, 2006 

Forms

Forms -- final Board review to extend without revision the Notice Requirements in 

Connection with Regulation W (Reg W) and Recordkeeping and Disclosure 

Requirements in Connection with Regulation Z (Truth in Lending).

- Approved, May 8, 2006 

Regulations And Policies

Complex Structured Finance Activities -- publication for comment of the revised 

Interagency Statement on Sound Practices Concerning Elevated Risk Complex 

Structured Finance Activities (Docket No. OP-1254).

- Announced, May 9, 2006 

Enforcement

Huntington Bancshares Incorporated, Columbus, Ohio -- written agreement dated 

February 28, 2005, terminated May 10, 2006.

- Announced, May 10, 2006 

United Bank, Parkersburg, West Virginia -- issuance of a consent order of 

assessment of a civil money penalty.

- Announced, May 10, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
May 7, 2006 to May 13, 2006

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

AmSouth Bank, Birmingham, Alabama -- to establish a branch at 8225 Champions 

Gate Boulevard, Champions Gate, Florida.

- Approved, May 9, 2006 

Atlanta

The Andover Bank, Andover, Ohio -- to establish a branch at 451/455 South High 

Street, Cortland; and request to exceed the limit of investment in bank premises.

- Approved, May 10, 2006 

Cleveland

Citizens Bank and Trust Company, Blackstone, Virginia -- to establish a branch at 

622 East Atlantic Street, South Hill.

- Approved, May 9, 2006 

Richmond

Comerica Bank, Detroit, Michigan -- to establish a branch at 110 South El Camino 

Real, Encinitas, California.

- Approved, May 4, 2006 (AC)

Secretary

Farmers and Merchants Bank of Long Beach, Long Beach, California -- to establish 

branches at 501 North El Camino Real, Suite 100, San Clemente, and 2891 Park 

Avenue, Tustin, and to increase its investment in bank premises.

- Approved, May 11, 2006 

San Francisco

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at Highland Hills Golf 

Club, 7455 Erie Street, Sylvania.

- Approved, May 8, 2006 

Cleveland

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 4020 Indian Road, 

Toledo.

- Approved, May 8, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 9
H.2 Actions under delegated authority May 7, 2006 to May 13, 2006

Bank Branches, Domestic

First Option Bank, Osawatomie, Kansas -- to retain branches at 502 Market Street, 

La Cygne, and 103 South Broadway, Louisburg.

- Approved, May 11, 2006 

Kansas City

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 117 South 18th Street, Philadelphia, Pennsylvania.

- Approved, May 9, 2006 

New York

Planters Bank & Trust Company of Virginia, Staunton, Virginia -- to establish a 

branch at 2102 Langhorne Road, Lynchburg.

- Approved, May 11, 2006 

Richmond

PointBank, Pilot Point, Texas -- to establish a branch at 1720 Westminster Street, 

Denton.

- Approved, May 11, 2006 

Dallas

Portage Community Bank, Ravenna, Ohio -- to establish a branch at 1532 South 

Water Street, Kent.

- Approved, May 11, 2006 

Cleveland

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 800 43rd Avenue 

Southwest, Vero Beach, Florida.

- Approved, May 10, 2006 

Secretary

Susquehanna Bank, Hagerstown, Maryland -- to establish a branch at 1525 Rock 

Spring Road, Forest Hill.

- Approved, May 10, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 2 of 9
H.2 Actions under delegated authority May 7, 2006 to May 13, 2006

Bank Holding Companies

Cornerstone Holding Company, Inc., Fargo, North Dakota -- to become a bank 

holding company and to acquire Citizens, Incorporated, Enderlin, and thereby 

acquire Citizens State Bank.

- Approved, May 12, 2006 

Minneapolis

Boardwalk Bancorp, Inc., Linwood, New Jersey -- to become a bank holding 

company and to acquire Boardwalk Bank.

- Approved, May 12, 2006 

Philadelphia

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

Limited IV -- to acquire 51 percent of the shares of Sunrise Bank of Atlanta, 

Atlanta, Georgia, a de novo bank.

- Approved, May 12, 2006 

Chicago

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

Limited IV -- to acquire 51 percent of the shares of Evansville Commerce Bank, 

Evansville, Indiana, a de novo bank.

- Approved, May 12, 2006 

Chicago

CBT Bancorp, Inc., Trenton, Illinois -- to become a bank holding company and to 

acquire Community Bank of Trenton.

- Approved, May 8, 2006 

St. Louis

Citizens B & T Holdings, Inc., Guntersville, Alabama -- to become a bank holding 

company and to acquire Citizens Bank & Trust.

- Approved, May 10, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 9
H.2 Actions under delegated authority May 7, 2006 to May 13, 2006

Bank Holding Companies

CSAB Holdings, LLC, Dallas, Texas -- to acquire Parkway National Bancshares, 

Inc., Plano, and indirectly acquire Parkway National Bancshares of Delaware, Inc., 

Wilmington, Delaware, and Parkway Bank, National Association, Plano, Texas; for 

WCM Holdings, Inc., Dallas, and WCM-Parkway, Ltd. to become bank holding 

companies and to acquire CSAB Holdings, LLC, and indirectly acquire Parkway 

National Bancshares, Inc., Plano; Parkway National Bancshares of Delaware, Inc., 

Wilmington, Delaware; and Parkway Bank, National Association, Plano, Texas.

- Approved, May 10, 2006 

Dallas

Docking Bancshares, Inc., Arkansas City, Kansas -- to acquire City National 

Bancshares, Inc., Guymon, Oklahoma, and The City National Bank and Trust 

Company of Guymon.

- Approved, May 11, 2006 

Kansas City

First Pryor Bancorp, Inc., Pryor, Oklahoma -- to acquire 14.29 percent of the shares 

of Carson River Community Bank, Minden, Nevada, a de novo bank.

- Withdrawn, May 9, 2006 

Kansas City

Great Financial Corporation, Miami Lakes, Florida -- to become a bank holding 

company and to acquire Great Florida Bank, Miami.

- Withdrawn, May 9, 2006 

Atlanta

Home Valley Bancorp, Grants Pass, Oregon -- termination of a commitment.

- Granted, May 12, 2006 

San Francisco

Quay Bank Corp., Albuquerque, New Mexico -- to become a bank holding 

company and to acquire High Desert State Bank.

- Withdrawn, May 12, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 9
H.2 Actions under delegated authority May 7, 2006 to May 13, 2006

Bank Holding Companies

RiverBank Holding Company, Spokane, Washington -- to become a bank holding 

company and to acquire RiverBank, a de novo bank.

- Withdrawn, May 8, 2006 

San Francisco

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

shares of IBT Bancorp, Inc., Irwin, and thereby acquire Irwin Bank & Trust 

Company.

- Approved, May 8, 2006 

Cleveland

Bank Mergers

North Valley Bank, Redding, California -- to merge with NVB Business Bank, 

Woodland.

- Approved, May 10, 2006 

San Francisco

Southwest Bank of St. Louis, St. Louis, Missouri -- to merge with Missouri State 

Bank and Trust Company, Clayton, and thereby establish branches at the existing 

locations.

- Approved, May 12, 2006 

Chicago

Bank Premises

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

investment in bank premises.

- Approved, May 9, 2006 

Richmond

Change In Bank Control

Columbia Bancshares, Inc., Columbia, Illinois -- change in bank control.

- Permitted, May 10, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 5 of 9
H.2 Actions under delegated authority May 7, 2006 to May 13, 2006

Change In Bank Control

First National Bancshares of Hempstead County, Hope, Arkansas -- change in bank 

control.

- Permitted, May 11, 2006 

St. Louis

Competitive Factors Reports

Anchor Bank Saint Paul, Saint Paul, Minnesota -- report on competitive factors of 

the proposed merger with Anchor Bank, West St Paul, National Association, West 

Saint Paul.

- Submitted, May 9, 2006 

Minneapolis

Berkshire Bank, Wyomissing, Pennsylvania -- report on competitive factors of the 

proposed merger with Berkshire Interim Bank.

- Submitted, May 12, 2006 

Philadelphia

Commerce Bank, National Association, Kansas City, Missouri -- report on 

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

certain liabilities of Boone National Savings and Loan, F.A., Columbia.

- Submitted, May 9, 2006 

Kansas City

First State Community Bank, Farmington, Missouri -- report on competitive factors 

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

Bonne Terre branch of Unico Bank, Irondale.

- Submitted, May 11, 2006 

St. Louis

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

report on competitive factors of the proposed merger with The State Bank, Rocky 

Ford, Colorado.

- Submitted, May 9, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 6 of 9
H.2 Actions under delegated authority May 7, 2006 to May 13, 2006

Competitive Factors Reports

The Frost National Bank, San Antonio, Texas -- report on competitive factors of the 

proposed merger with Alamo Bank of Texas, Alamo.

- Submitted, May 11, 2006 

Secretary

Mercantile-Safe Deposit and Trust Company, Baltimore, Maryland -- report on 

competitive factors of the proposed merger with James Monroe Bank, Arlington, 

Virginia.

- Submitted, May 10, 2006 

Richmond

MidCountry Bank, Metropolis, Illinois -- report on competitive factors of the 

proposed merger with South Pointe Bank, Marion.

- Submitted, May 9, 2006 

St. Louis

Orange Community Bank, Orange, California -- report on competitive factors of the 

proposed merger with OCB Merger Company.

- Submitted, May 8, 2006 

San Francisco

The Stillwater National Bank and Trust Company, Stillwater, Oklahoma -- report 

on competitive factors of the proposed merger with McMullen Bank, Tilden, Texas.

- Submitted, May 9, 2006 

Kansas City

ViewPoint Bank, Plano, Texas -- report on competitive factors of the proposed 

reorganization into a three-tiered mutual holding company structure through an 

interim merger with ViewPoint MHC and ViewPoint Financial Group, Inc., which 

would own ViewPoint Bank, a federal savings bank. 

- Submitted, May 11, 2006 

Dallas

(AC) = Addition or Correction Delegated - Page 7 of 9
H.2 Actions under delegated authority May 7, 2006 to May 13, 2006

Extensions Of Time

First Banks, Inc., Hazelwood, Missouri -- extension to August 7, 2006, to acquire 

an additional 10.09 percent, for total control of 24.99 percent, of the shares of 

Community West Bancshares, Goleta, California, and thereby acquire Community 

West Bank, National Association.

- Granted, May 8, 2006 

St. Louis

Park Avenue Bancorp, Inc., New York, New York -- extension to July 14, 2006, to 

become a bank holding company and to acquire 80.1 percent of the shares of Park 

Avenue Bank.

- Granted, May 12, 2006 

New York

Pilot Bank, Tampa, Florida -- extension to May 11, 2007, to establish a branch at 

439 South Florida Avenue, Lakeland.

- Granted, May 11, 2006 

Atlanta

Wintrust Financial Corporation, Lake Forest, Illinois -- extension to August 24, 

2006, to acquire Hinsbrook Bancshares, Inc., Willowbrook, and thereby acquire 

Hinsbrook Bank and Trust.

- Granted, May 8, 2006 

Chicago

Financial Holding Companies

Docking Bancshares, Inc., Arkansas City, Kansas -- election to become a financial 

holding company.

- Effective, May 10, 2006 

Kansas City

Palmetto Heritage Bancshares, Inc., Pawleys Island, South Carolina -- election to 

become a financial holding company.

- Effective, May 8, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 8 of 9
H.2 Actions under delegated authority May 7, 2006 to May 13, 2006

Financial Holding Companies

Reliable Community Bancshares, Inc., Perryville, Missouri -- election to become a 

financial holding company.

- Effective, May 11, 2006 

St. Louis

Membership

Viking State Bank & Trust, Decorah, Iowa -- to become a member of the Federal 

Reserve System.

- Approved, May 9, 2006 

Chicago

Waukon State Bank, Waukon, Iowa -- to become a member of the Federal Reserve 

System.

- Approved, May 9, 2006 

Chicago

Regulations And Policies

Short-term Interest Rates -- increase in the target for the federal funds rate from 4-

3/4 percent to 5 percent.

- Approved, May 10, 2006 

FOMC

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

Federal Reserve Bank of Boston

Filings received during the week ending May 13, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

06/01/2006

Braintree Bancorp MHC, Braintree, MA -

section 3(a)(1) application to acquire The

Braintree Co-operative Bank, Braintree, MA

BRAINTREE BANCORP MHC

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Coastal Affiliates, MHC, Yarmouth Port,

Massachusetts to become a bank holding

company pursuant to section 3(a)(1) of the BHC

Act in connection with the reorganization of

Cape Cod Cooperative Bank, Yarmouth Port,

Massachusetts, into the mutual bank holding

company structure.

Coastal Affiliates, MHC

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Application by Gorham Bancorp, MHC and

Gorham Bancorp Inc., both of Gorham, Maine,

to become a mutual bank holding company and

a stock bank holding company, respectively

(collectively, the Applicants), by acquiring

Gorham Savings Bank, Gorham, Maine,

pursuant to sections 3(a)(1)and 3(a)(3)of the

Bank Holding Company Act of 1956, as

amended.

Gorham Bancorp, MHC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending May 13, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Catskill Hudson Bancorp, Inc., Rockhill, New

York to acquire 100 percent of the voting shares

of Community Bank of Sullivan County,

Thompson, NY, pursuant to Section 3(a)(1) of

the BHC Act and Section 225.15 of Regulation

Y.

Catskill Hudson Bancorp, Inc

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The International Commercial Bank of China

Co., Ltd. ("ICBC"), Taipei, Taiwan,Republic of

China is applying to establish a branch, under

Section 211.24(a)(1)of Regulation K, in San

Jose, California and upgrade its two existing

offices in New York City and Los Angeles,

California to full service branches.

INTERNATIONAL

COMMERCIAL BANK OF

CHINA CO., LTD., THE

Newspaper:

Federal Register:

4c8 Not applicable

05/30/2006

Lloyds TSB Group Plc and Lloyds TSB Bank

Plc ("LTSB Bank"), both of London, England,

to engage de novo through Hill Samuel Inc., to

be renamed Lloyds TSB Rail Capital Inc., New

York, New York, a wholly-owned, indirect

subsidiary of LTSB Bank, in personal-property

leasing activities and related lending activities,

pursuant to Section 4(c)(8) of the Bank Holding

Company Act and Sections 225.28(b)(3) and

225.28(b)(1) of Regulation Y.

LLOYDS TSB GROUP PLC

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Manufacturers and Traders Trust Company,

Buffalo, New York, requests prior approval of

the Board of Governors of the Federal Reserve

System, to purchase selected assets and assume

selected deposit liabilities associated with 21

branches in Buffalo and Rochester, New York,

of Citibank, N.A., New York, New York,

pursuant to Section 18(c) of the Federal Deposit

Insurance Act, and in connection therewith to

establish branches, pursuant to Section 9 of the

Federal Reserve Act.

MANUFACTURERS AND

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Mizrahi Tefahot Bank Ltd. (the "Bank"),

Ramat-Gan, Israel, is applying to the Board,

under Section 211.24(a)(1) of Regulation K, to

establish a branch in New York, New York by

relocating the Bank's Los Angeles, California

FDIC-insured branch. 

In addition, the Bank is applying to the Board,

under Section 211.24(a)(1), to establish a

representative office in Los Angeles, California,

which will serve as a liaison office with the

Bank's remaining California-based customers.

MIZRAHI TEFAHOT BANK

LTD.

Newspaper:

Federal Register:

* Branch

Not applicable

Peapack-Gladstone Bank, Gladstone, New 02/18/2006

Jersey, requests expedited approval to open a

branch office to be located at 15 Mountain View

Road, Township of Warren, Somerset County,

New Jersey. (RSSD-3443233)

PEAPACK-GLADSTONE BANK

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

Federal Reserve Bank of New York

Filings received during the week ending May 13, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

06/09/2006

Societe General, Paris, France, provided a

notice, pursuant to Section 4(c)(8) of the Bank

Holding Company Act of 1956, as amended,

and Section 225.24 of Regulation Y, to the

Board of Governors of the Federal Reserve

System for prior approval to engage in certain

nonbanking activities, de novo, through the

acquisition of 100% of the voting shares of

Societe General, FSB, a de novo federal savings

bank headquartered in New York, New York.

SOCIETE GENERALE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

UBS AG, Zurich, Switzerland to establish an

additional federal branch to be located in New

York, New York pursuant to Section

211.24(a)(2)(i)(A) of Regulation K.

UBS AG

* 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 May 13, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

06/09/2006

Juniata Valley Financial Corp., Mifflintown,

PA, to acquire 39.2% of First National Bank of

Liverpool, Liverpool, PA.

JUNIATA VALLEY FINANCIAL

CORP.

* 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 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 May 13, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 05/02/2006

branch at 1029 Washington Pike, Bridgeville,

PA.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 05/13/2006

branch at 3964 Fulton Drive, NW, Canton, OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 05/20/2006

establish a branch at 8600 Lee Vist Boulevard,

Orlando, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 05/20/2006

establish a branch at the southeast corner of Old

McCulloch and North Tanner Road, Orlando,

FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 05/20/2006

establish a branch at 5930 W. 86th Street,

Indianapolis, IN.

FIFTH THIRD BANK

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

443625 OTTOVILLE BK CO, OTTOVILLE, OHIO 02/27/2006 05/09/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending May 13, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Clear Mountain Bank, Bruceton Mills, West

Virginia, to purchase certain assets and assume

certain liabilities of the Rowlesburg, West

Virginia branch of First Community Bank, NA,

Bluefield, Virginia

CLEAR MOUNTAIN BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Charter Bank, Charlotte, North Carolina, 05/21/2006

proposes to establish a branch at the corner of

N.C. Highway 73 and Shiloh Church Road,

Kannapolis, North Carolina.

FIRST CHARTER 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 May 13, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 05/18/2006

establish a branch located at 3003 North

Central Avenue, Phoenix, Arizona, to be known

as the Phoenix - Central Branch.

COMPASS BANK

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 05/15/2006

Hometown of Homestead, Inc., Ft. Pierce,

Florida (Hometown), to become a bank holding

company by acquiring 100 percent of the

outstanding shares of First of Homestead, Inc.,

and its subsidiary, 1st National Bank of South

Florida (Bank), both of Homestead, Florida.

Also enclosed are the applications by

Hometown Banking Company, Ft. Pierce,

Florida, to acquire 30 percent of the outstanding

shares of Hometown and Bank; The Prosperity

Banking Company, Inc., St. Augustine, Florida,

to acquire 10 percent of the outstanding shares

of Hometown and Bank; and Riverside Gulf

Coast Banking Company, Cape Coral, Florida,

to acquire 10 percent of the outstanding shares

of Hometown and Bank. Hometown will change

its name to Hometown of Homestead Banking

Company after consummation.

HOMETOWN OF HOMESTEAD,

INC.

Newspaper:

Federal Register:

* 3A1

Not available

Mountain Commerce Bancorp, Inc., Johnson 06/12/2006

City, Tennessee, to become a bank holding

company by acquiring 100 percent of the

outstanding shares of Erwin National Bank,

Erwin, Tennessee.

MOUNTAIN COMMERCE

BANCORP, INC.

Newspaper:

Federal Register:

CIC 05/17/2006

05/26/2006

Southern National Corporation, Andalusia,

Alabama, after-the-fact change in control notice

by John E. Vick, Andalusia, Alabama; Claire

Vick Leuenberger and Patricia Vick Moody,

Auburn, Alabama; and Amanda Lee Vick,

Decatur, Georgia, to retain 0.65 percent of the

outstanding shares of Southern National

Corporation and its subsidiary bank, Covington

County Bank, both of Andalusia, Alabama.

Total ownership is 14.29 percent.

SOUTHERN NATIONAL

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 05/24/2006

branches at the following locations: 7400 W.

Camino Real, Suite 100, Boca Raton, Florida,

to be known as the Camino Real Office; 450

University Boulevard, Jupiter, Florida, to be

known as the Jupiter Abacoa Office; and 2240

M Street, N.W., Washington, D.C., to be

known as the 23rd and M Street Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 05/25/2006

branch located at 125 Sherron Road, Durham,

North Carolina, to be known as the Sherron

Corners 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

701736 BRAND BKG CO, LAWRENCEVILLE, GEORGIA 12/05/2005 04/26/2006 S Large Bank

876634 CAPITAL CITY BK, TALLAHASSEE, FLORIDA 10/31/2005 04/27/2006 S Large 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 May 13, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/30/2006

Notice by John A. Barker, Springfield, Illinois,

to retain more than 25 percent of the voting

shares of Barker Brothers Inc., Springfield,

Illinois, and thereby indirectly retain control of

Middletown State Bank, Middletown, Illinois.

BARKER BROTHERS, INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 06/12/2006

Capitol Bancorp, Ltd., Lansing, Michigan, to

acquire 51 percent of the voting shares of Bank

of Everett (in organization), Everett,

Washington, and by Capitol Development

Bancorp Limited V, Lansing, Michigan, to

become a bank holding company by acquiring

51 percent of the voting shares of Bank of

Everett (in organization), Everett, Washington.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch

Not applicable

Chemical Bank, Midland, Michigan, to 05/09/2006

establish a branch facility to be located at 12368

Riley Street, Holland, Michigan.

CHEMICAL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Citizens First State Bank of Walnut, Walnut, 05/23/2006

Illinois, to establish a branch facility to be

located at 9226 2125 North Avenue, Manlius,

Illinois.

CITIZENS FIRST STATE BANK

OF WALNUT

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 329 N. Park

Avenue, Suite 150, Winter Park, Florida.

COMERICA BANK

Newspaper:

Federal Register:

* 3A1 Not available

05/19/2006

Gateway Banc Corp., Roscoe, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of Gateway

Community Bank, Roscoe, Illinois.

GATEWAY BANC CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

Johnson Bank, Racine, Wisconsin, to establish 05/19/2006

a branch facility to be located at 5600 North

Lake Shore Drive, Whitefish Bay, Wisconsin.

JOHNSON BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Kujawa Family Holdings, Inc., Berlin,

Wisconsin, to become a bank holding company

by acquiring 100 percent of the voting shares of

the Farmers & Merchants Bank, Berlin,

Wisconsin.

KUJAWA FAMILY HOLDINGS,

INC.

Newspaper:

Federal Register:

* 3A3

Not available

Oswego Community Bank Employee Stock 06/05/2006

Ownership Plan, Oswego, Illinois, to increase

its ownership from 37.71 percent to 51 percent

of Oswego Bancshares, Inc., Oswego, Illinois,

and thereby indirectly increase its ownership in

Oswego Community Bank, Oswego, Illinois.

OSWEGO COMMUNITY BANK

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Pedcor Capital, LLC, Carmel, Indiana, to

become a bank holding company by acquiring

100 percent of the voting shares of Pedcor

Bancorp, Carmel, Indiana, and thereby

indirectly acquire International City Bank,

N.A., Long Beach, California.

Pedcor Capital, LLC

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

Federal Reserve Bank of Chicago

Filings received during the week ending May 13, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/24/2006

Notice by Harold Dean Westra, individually and

acting in concert with Greg Todd Westra, both

of Rock Valley, Iowa, to gain control of Premier

Holdings, Ltd., Rock Valley, Iowa, and thereby

indirectly Premier Bank, Rock Valley, Iowa.

PREMIER HOLDINGS, LTD

Newspaper:

Federal Register:

* 3A1 Not available

06/09/2006

RAC Inc. Wisconsin, Kohler, Wisconsin, to

become a bank holding company through the

acquisition of 100 percent of the outstanding

shares of Ridgestone Financial Services, Inc.,

Brookfield, Wisconsin, and thereby indirectly

acquire Ridgestone Bank, Brookfield,

Wisconsin.

RAC, INC. WISCOSIN

Newspaper:

Federal Register:

CIC Not available

05/17/2006

Notice by Larry C. Henson, Barbara K. Henson,

Trustee of the Barbara K. Henson Living Trust,

Michael R. Henson and the Barbara K. Henson

Living Trust, all of Davenport, Iowa and acting

as a group to become the largest shareholder of

River Valley Bancorp, Inc., Davenport, Iowa.

RIVER VALLEY BANCORP,

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

633640 HENDRICKS CTY B&TC, BROWNSBURG, INDIANA 10/03/2005 05/04/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending May 13, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

F & M Bancshares, Inc., Trezevant, Tennessee, 06/15/2006

to acquire 100 percent of Citizens City &

County Bank, Trenton, Tennessee.

F & M BANCSHARES, INC.

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Farmers Bank & Trust Company, Blytheville,

Arkansas, to make an additional investment in

premises of $953 thousand, for a total

investment in premises of $7.3 million (186

percent of common stock and surplus).

FARMERS BANK AND TRUST

COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

06/09/2006

FMS Bancorp, Inc., Poplar Bluff, Missouri, to

acquire 100 percent of First Missouri State

Bank of Cape County, Cape Girardeau,

Missouri (in organization).

FMS BANCORP, INC.

Newspaper:

Federal Register:

CIC 05/24/2006

05/24/2006

Notice by J. Chester Porter, Shepherdsville,

Kentucky, and the William G. Porter Revocable

Trust, Sarasota, Florida, to increase control of

Porter Bancorp, Inc., Louisville, Kentucky.

PORTER BANCORP, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

134848 TEUTOPOLIS ST BK, TEUTOPOLIS, ILLINOIS 02/06/2006 05/05/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending May 13, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

John S. Braun Revocable Trust, John Stephen

Braun and Priscilla White Braun, Trustees,

Deephaven, Minnesota; Priscilla W. Braun

Revocable Trust, Priscilla White Braun and

John Stephen Braun, Trustees, Deephaven,

Minnesota; Stephen John Braun, Minnetonka,

Minnesota; Philip McAllister Braun,

Richardson, Texas; and Elizabeth Braun

Fransen, Wayzata, Minnesota, as a group acting

in concert; and Dean Alvin Holasek, Eden

Prairie, Minnesota, as an individual, to gain

control of Community Bank Group, Inc., Eden

Prairie, Minnesota, and thereby indirectly gain

control of Community Bank Minnesota Valley,

Wayzata, Minnesota; and Community Bank

Winsted, Winsted, Minnesota.

COMMUNITY BANK GROUP,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Plaza Park State Bank, Waite Park, Minnesota, 05/15/2006

to establish a branch at Northwest Professional

Center, 2351 Connecticut Avenue, Sartell,

Minnesota.

PLAZA PARK STATE BANK

* 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

642857 FIRST CMNTY BK, GLASGOW, MONTANA 01/09/2006 04/27/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending May 13, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 05/28/2006

06/02/2006

BancFirst Corporation, Oklahoma City,

Oklahoma, to acquire 100 percent of the voting

shares of First Bartlesville Bank, Bartlesville,

Oklahoma.

BANCFIRST CORPORATION

Newspaper:

Federal Register:

CIC Not available

05/26/2006

Notice by Hoffman, Inc., Arapahoe, Nebraska,

to acquire control of Central Bancshares, Inc.,

parent of First Central Bank, both in

Cambridge, Nebraska, and First Central Bank

McCook, McCook, Nebraska. Central

Bancshares, Inc., Cambridge, Nebraska, to

redeem 22.9 percent of its outstanding common

stock.

CENTRAL BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Citizens Bank of Edmond, Edmond, Oklahoma, 05/25/2006

to establish a branch at 3600 S. Boulevard,

Edmond, Oklahoma.

CITIZENS BANK OF EDMOND,

THE

Newspaper:

Federal Register:

* 3A3 05/09/2006

05/12/2006

The Farmers State Bank of Fort Morgan,

Colorado Employee Stock Ownership Plan, to

acquire up to 38 percent of the voting shares of

FSB Bancorporation of Fort Morgan, Colorado,

parent of Farmers State Bank of Fort Morgan,

all in Fort Morgan, Colorado.

FARMERS STATE BANK OF

FORT MORGAN COLORADO

EMPLOYEE STOCK

OWNERSHIP PLAN, THE

Newspaper:

Federal Register:

CIC 05/31/2006

05/30/2006

Notice by Gary Pfrang, Goff, Kansas, to acquire

control of Farmers State Bankshares, Inc.,

parent of Farmers State Bank, both in

Circleville, Kansas.

FARMERS STATE

BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

05/16/2006

Notification filed by the following, as a group

acting in concert: The Biegert Family

Irrevocable Trust, Laramie, Wyoming, its

trustees, Larry R. Cox, Henderson, Nebraska,

and Judith Ackland, Geneva, Nebraska, and

Larry R. Cox, individually; Charles Flaming,

individually, and as owner of Sadle Cattle

Company, Inc., both of Paxton, Nebraska; Alan

Janzen, Christopher Vanderneck, Matthew D.

Siebert, Fredrick Regier, Arvid Janzen, and

Brian Janzen, all of Henderson, Nebraska;

Ronald Preheim, Aurora, Nebraska; Jeff

Pribbeno, Imperial, Nebraska; and Wesley

Kroeker, Enid, Oklahoma; to acquire control of

Henderson State Company, Henderson,

Nebraska, parent of Henderson State Bank,

Henderson, Nebraska.

HENDERSON STATE

COMPANY

Newspaper:

Federal Register:

CIC Not available

05/11/2006

Notification by Paul C. Bauman and Emily A.

Bauman, both of Tulsa, Oklahoma; and Henry

C. Bauman, III, Tyler, Texas, to acquire control

of United Capital Bancshares, Inc., Wyandotte,

Oklahoma, parent of Bank of Wyandotte,

Wyandotte, Oklahoma.

UNITED CAPITAL

BANCSHARES, 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

14650 BANK OF LOCUST GROVE, LOCUST GROVE, OKLAHOMA 01/30/2006 04/21/2006 S Small Bank

733951 CITIZENS ST B&TC, ELLSWORTH, KANSAS 01/16/2006 04/12/2006 S Small Bank

87159 FIRST ST BK OF NEWCASTLE, NEWCASTLE, WYOMING 02/13/2006 04/24/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending May 13, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 05/28/2006

06/05/2006

Coastal Bancshares Acquisition Corp., Houston,

Texas, to become a bank holding company by

acquiring 100 percent of Intercontinental Bank

Shares Corporation, San Antonio, Texas, and

indirectly acquire Intercontinental Bank Shares

Corporation of Delaware, Wilmington,

Delaware and Intercontinental National Bank,

San Antonio, Texas.

COASTAL BANCSHARES

ACQUISITION CORP.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

First National Bank Group, Inc., Edinburg,

Texas, to acquire 9.90 percent of Southside

Bancshares, Inc., Tyler, Texas, and indirectly

acquire Southside Delaware Financial

Corporation, Dover, Delaware, and Southside

Bank, Tyler, Texas.

FIRST NATIONAL BANK

GROUP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

PointBank, Pilot Point, Texas, to establish a 05/26/2006

branch to be located at 4920 Long Prairie Road,

Flower Mound, Texas 75028.

POINTBANK

* 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

726953 UNITED TX BK, DALLAS, TEXAS 02/13/2006 04/27/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending May 13, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/04/2006

04/06/2006

Notice by the Sun Group, consisting of John

Chung-Yuan Sun, Judy Chen-Mei Sun, Rancho

Palos Verdes, California, and Jaclyn Chen-Hoa

Sun, New York, New York, to retain 11.4

percent ownership of American Premier

Bancorp, and thereby indirectly retain

ownership in American Premier Bank, both of

Arcadia, California.

AMERICAN PREMIER

BANCORP

Newspaper:

Federal Register:

* Branch

Premises Not applicable

Farmers & Merchants Bank of Long Beach, 04/22/2006

Long Beach, California, to establish two branch

facilities to be located at: 501 North El Camino

Real, Suite 100, San Clemente, California, and

2891 Park Avenue, Tustin, California, and to

increase its investment in bank premises.

FARMERS AND MERCHANTS

BANK OF LONG BEACH

Newspaper:

Federal Register:

* Branch

Not applicable

Home Valley Bank, Grants Pass, Oregon, to 05/12/2006

establish a branch facility at 5080 Monument

Drive, Grants Pass, Oregon.

HOME VALLEY BANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

San Joaquin Bancorp to become a bank holding

company by acquiring 100 percent of San

Joaquin Bank, both of Bakersfield, California.

SAN JOAQUIN BANCORP

Newspaper:

Federal Register:

* 3A3

Not available

Silver State Bancorp, Hendeson, Nevada, to 06/08/2006

acquire 100 percent of Choice Bank, Scottsdale,

Arizona.

SILVER STATE BANCORP

* 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