Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 43

Week Ending October 22, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions October 16, 2005 to October 22, 2005

Bank Holding Companies

Citigroup Inc., New York, New York -- request for an exemption from section 23A of 

the Federal Reserve Act.

- Granted, October 20, 2005 

Board Operations

Federal Reserve Law Enforcement Officers -- revisions to Board policy to establish more 

specific training requirements and to clarify when Federal Reserve officers can be crossdesignated with local law enforcement authority (S-2627).

- Approved, October 20, 2005 

(AC) = Addition or Correction Board - Page 1 of 1
October 16, 2005 to October 22, 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 Jackson, Jackson, Tennessee -- to establish a branch in the Thomsen Farms 

Development near the intersection of Oil Well and Walker Roads.

- Approved, October 19, 2005 

St. Louis

Bank of Parsons, Parsons, Kansas -- to establish a branch at U.S. Highways 400 and 59.

- Approved, October 18, 2005 

Kansas City

Comerica Bank, Detroit, Michigan -- to establish branches at 3200 North Central 

Avenue, Phoenix, Arizona; 850 Northwest Federal Highway, Suite 170, Stuart, Florida; 

and 5601 Silver Creek Valley Road, San Jose, California.

- Approved, October 19, 2005 

Secretary

First Bank, Strasburg, Virginia -- to establish a branch at 695 Fairfax Pike, Stephens City.

- Approved, October 19, 2005 

Richmond

First Farmers & Merchants Bank, Columbia, Tennessee -- to establish a branch at 2001 

Campbell Station Parkway, Suite A-5, Spring Hill.

- Approved, October 21, 2005 

Atlanta

Horizon Bank, Bradenton, Florida -- to establish a branch at 501 8th Avenue West, 

Palmetto.

- Approved, October 21, 2005 

Atlanta

IBERIABANK, Lafayette, Louisiana -- to establish a branch at 1420 St. Charles Street, 

Houma.

- Approved, October 17, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority October 16, 2005 to October 22, 2005

Bank Branches, Domestic

Tower Bank & Trust Company, Fort Wayne, Indiana -- to establish a branch at 6430 

West Jefferson Boulevard.

- Approved, October 17, 2005 

Chicago

Wheaton Bank & Trust, Wheaton, Illinois -- to establish a branch at 462 Park Boulevard, 

Suite 110, Glen Ellyn.

- Approved, October 17, 2005 

Chicago

Bank Holding Companies

Alarion Financial Services, Inc., Ocala, Florida -- to become a bank holding company 

and to acquire Alarion Bank.

- Approved, October 20, 2005 

Atlanta

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

I -- to acquire 51 percent of the shares of Bank of Belleville, Belleville, Illinois, a de novo 

bank.

- Approved, October 20, 2005 

Chicago

CB Financial Services, Inc., Carmichaels, Pennsylvania -- to acquire Community Bank, 

N.A., Washington.

- Approved, October 17, 2005 

Cleveland

Cornerstone Bancshares, Inc., Hixson, Tennessee -- to acquire Eagle Financial LLC, 

Chattanooga, and Eagle Funding, LLC, and thereby provide factoring and loan brokerage 

services to small businesses.

- Withdrawn, October 18, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority October 16, 2005 to October 22, 2005

Bank Holding Companies

Davis Bancshares, Inc., McClusky, North Dakota -- to merge with Underwood Holding 

Company, Underwood, and thereby acquire First Security Bank.

- Approved, October 20, 2005 

Minneapolis

FC Holdings, Inc., Houston, Texas, and FC Holdings of Delaware, Inc., Wilmington, 

Delaware -- to acquire Lake Area National Bank, Trinity.

- Approved, October 18, 2005 

Dallas

FNB Corp., Asheboro, North Carolina -- to merge with United Financial, Inc., Graham, 

and thereby acquire Alamance Bank.

- Approved, October 20, 2005 

Secretary

HSH Nordbank AG, Hamburg, Germany, and WestLB AG, Dusseldorf -- to engage de 

novo through BoA Nevada Lending LLP, a joint venture, in extending credit and servicing 

loans.

- Approved, October 18, 2005 

New York

Ogden Bancshares, Inc., Ames, Iowa -- to engage de novo in extending credit and 

servicing loans.

- Approved, October 19, 2005 

Chicago

SCBT Financial Corporation, Columbia, South Carolina -- to acquire Sun Bancshares, 

Inc., Murrells Inlet, and thereby acquire SunBank, National Association.

- Approved, October 18, 2005 

Richmond

Service 1st Bancorp, Tracy, California -- to engage, through Charter Capital Services, 

LLC, in consulting services to groups wishing to establish de novo commercial banks.

- Approved, October 21, 2005 

San Francisco

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority October 16, 2005 to October 22, 2005

Bank Holding Companies

West Alabama Capital Corp., Reform, Alabama -- to merge with West Alabama 

Bancshares, Inc., Millport, and thereby acquire its subsidiary, Merchants & Farmers 

Bank.

- Approved, October 21, 2005 

Atlanta

Change In Bank Control

PanAmerican Bancorp, Miami, Florida -- change in bank control.

- Permitted, October 18, 2005 

Atlanta

Raymond Bancorp, Inc., Raymond, Illinois -- to retain control of Raymond Bancorp, Inc.

- Permitted, October 19, 2005 

St. Louis

Competitive Factors Reports

BancorpSouth Bank, Tupelo, Mississippi -- report on competitive factors of the 

proposed merger with American State Bank, Jonesboro, Arkansas.

- Submitted, October 17, 2005 

St. Louis

Carolina First Bank, Greenville, South Carolina -- report on competitive factors of the 

proposed merger with CF Technology Services Company.

- Submitted, October 17, 2005 

Richmond

Corn Belt Bank and Trust Company, Pittsfield, Illinois -- report on competitive factors of 

the proposed merger with Farmers & Merchants Bank and Trust Company, Hannibal, 

Missouri.

- Submitted, October 20, 2005 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority October 16, 2005 to October 22, 2005

Competitive Factors Reports

First Missouri State Bank of Cape County, Cape Girardeau, Missouri, a de novo bank -- 

report on competitive factors of the proposed purchase of assets and assumption of 

liabilities of the Chateau and Jackson branches of First Missouri State Bank, Poplar Bluff.

- Submitted, October 17, 2005 

St. Louis

First National Bank of Eastern Arkansas, Forrest City, Arkansas -- report on competitive 

factors of the proposed purchase of assets and assumption of liabilities of the Holly Grove 

branch of First State Bank, Conway.

- Submitted, October 18, 2005 

St. Louis

Pacific Continental Bank, Eugene, Oregon -- report on competitive factors of the 

proposed merger with Northwest Business Bank, Seattle, Washington.

- Submitted, October 18, 2005 

San Francisco

Pacific Western National Bank, Santa Monica, California -- reports on competitive 

factors of the proposed merger with Cedars Bank, Los Angeles.

- Submitted, October 18, 2005 

San Francisco

Premier Bank, Jefferson City, Missouri -- report on competitive factors of the proposed 

merger with The Oaks Bank & Trust Company, Dallas, Texas.

- Submitted, October 19, 2005 

St. Louis

Rural American Bank - Luck, Luck, Wisconsin -- report on competitive factors of the 

proposed merger with Little Buttercup, Inc.

- Submitted, October 17, 2005 

Minneapolis

Salem Five Cents Savings Bank, Salem, Massachusetts -- report on competitive factors 

of the proposed reorganization as a mutual holding company.

- Submitted, October 19, 2005 

Boston

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority October 16, 2005 to October 22, 2005

Competitive Factors Reports

State Bank & Trust of Seguin, Seguin, Texas -- report on competitive factors of the 

proposed merger with NAB Acquisitions Seguin, Inc., Marble Falls.

- Submitted, October 19, 2005 

Dallas

The Wallis State Bank, Wallis, Texas -- report on competitive factors of the proposed 

merger with Wallis Interim Corp.

- Submitted, October 18, 2005 

Dallas

Woori America Bank, New York, New York -- report on competitive factors of the 

proposed merger with South Coast Commercial Bank, Irvine, California.

- Submitted, October 21, 2005 

New York

Extensions Of Time

Cathay General Bancorp, Los Angeles, California -- commenter's request to extend the 

comment period on the application to acquire Great Eastern Bank, New York, New 

York.

- Denied, October 19, 2005 

Secretary

Cowlitz Bancorporation, Longview, Washington -- extension to February 4, 2006, to 

merge with AEA Bancshares, Inc., Seattle, and thereby acquire its subsidiary, AsiaEurope-Americas Bank.

- Granted, October 17, 2005 

San Francisco

Frontier Financial Corporation, Everett, Washington -- extension to February 4, 2006, to 

acquire up to 20 percent of Skagit State Bank, Burlington.

- Granted, October 17, 2005 

San Francisco

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority October 16, 2005 to October 22, 2005

Extensions Of Time

S&T Bancorp, Inc., Indiana, Pennsylvania -- extension to January 18, 2006, to acquire 

up to 9.9 percent of the shares of CBT Financial Corporation, Clearfield, and thereby 

acquire Clearfield Bank & Trust Company.

- Granted, October 18, 2005 

Cleveland

Security Associated Holding Corporation, Hot Springs, Arkansas -- extension to 

February 11, 2006, to become a bank holding company and to acquire The Stephens 

Security Bank, Stephens.

- Granted, October 18, 2005 

St. Louis

Synovus Financial Corp., Columbus, Georgia -- commenter's request to extend the 

comment period on the application to merge with Riverside Bancshares, Inc., Marietta, 

and thereby acquire Riverside Bank.

- Denied, October 19, 2005 

Secretary

Warren Bank, Warren, Michigan -- extension to February 6, 2006, to establish a branch 

at 48800 Romeo Plank Road, Macomb Township.

- Granted, October 20, 2005 

Chicago

Zions Bancorporation, Salt Lake City, Utah -- commenter's request to extend the 

comment period on the application to acquire Amegy Bancorporation, Inc., Houston, 

Texas.

- Denied, October 19, 2005 

Secretary

Membership

Virginia Heritage Bank, Fairfax, Virginia, a de novo bank -- to become a member of the 

Federal Reserve System.

- Approved, October 17, 2005 

Richmond

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

Federal Reserve Bank of Boston

Filings received during the week ending October 22, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 10/14/2005

Application by Butler Bancorp, MHC and

Butler Bancorp, Inc., both of Lowell,

Massachusetts, to become a mutual bank

holding company and a stock bank holding

company, respectively, by acquiring Butler

Bank, Lowell, Massachusetts, pursuant to

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

Holding Company Act of 1956, as amended.

BUTLER BANCORP, MHC

Newspaper:

Federal Register:

* 3A1

* 3A3

11/05/2005

11/04/2005

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

Salem Five Bancorp, Salem, Massachusetts to

become a mutual bank holding company

through the acquisition of Salem Five Cents

Savings Bank, Salem, Massachusetts, and

immediately thereafter to acquire Heritage

Co-operative Bank, Salem, Massachusetts.

SALEM FIVE BANCORP

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending October 22, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Deutsche Genossenschafts-Hypothekenbank

AG, Hamburg, Germany, requests prior

approval to establish a NY rep office.

DEUTSCHE

GENOSSENSCHAFTS-HYPOTH

EKENBANK AG

Newspaper:

Federal Register:

* 3A3 10/15/2005

10/20/2005

The Toronto-Dominion Bank, Toronto,

Ontario, Canada, and TD Banknorth Inc.,

Portland, Maine, propose to acquire 100

percent of the voting shares of Hudson United

Bancorp, and it wholly-owned subsidiary,

Hudson United Bank, both of Mahwah, New

Jersey, pursuant to Section 3(a)(3) of the Bank

Holding Company Act, and Section 225.15 of

Regulation Y.

TORONTO-DOMINION BANK,

THE

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending October 22, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

First Wyoming Financial Corporation,

Wyoming, DE, to form a bank holding

company by acquiring First National Bank of

Wyoming, Wyoming, DE.

First Wyoming Financial

Corporation

Newspaper:

Federal Register:

* 3A5

Not available

Fulton Financial Corporation, Lancaster, PA, 11/20/2005

to acquire 100% of the outstanding shares of

Columbia Bancorp, Columbia, MD, and

thereby indirectly acquire The Columbia Bank,

Columbia, MD.

FULTON FINANCIAL

CORPORATION

* 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 October 22, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Member

* 5D3

* Branch

Not applicable

Falls Bank, Stow, Ohio,to become a member 11/10/2005

bank of the Federal Reserve System and

subsequently merge with Sky Bank,

Salineville, Ohio, under the charter of the

former and the name of the latter

FALLS BANK

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Request by Genoa Banking Company, Genoa,

OH to exceed the limit of investment in

premises permitted under Section 208.21 of

Regulation H and Section 24A of the Federal

Reserve Act.

GENOA BANKING COMPANY,

THE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending October 22, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

BankGreenville Financial Corporation,

Greenville, South Carolina, to become a bank

holding company through the acquistion of

100% of the voting securities of

BankGreenville, Greenville, South Carolina (in

organization).

BANKGREENVILLE

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

EagleBank, Bethesda, Maryland, to establish a 11/21/2005

branch at 15 Wisconsin Circle, Chevy Chase,

Maryland.

EAGLEBANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Charter Bank, Charlotte, North Carolina, 10/28/2005

to establish a branch to be located at 7541

Creedmoor Road, Raleigh, North Carolina.

FIRST CHARTER BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Charter Bank, Charlotte, North Carolina, 10/28/2005

to establish a branch to be located at 1145

Highway 70 West, Garner, North Carolina.

FIRST CHARTER BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Charter Bank, Charlotte, North Carolina, 10/28/2005

to establish a branch to be located at 7210

Tryon Road, Cary, North Carolina.

FIRST CHARTER BANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Howard Bancorp, Inc., Ellicott City, Maryland,

to become a bank holding company by

acquiring 100% of the voting shares of Howard

Bank, Ellicott City, Maryland.

Howard Bancorp, Inc.

Newspaper:

Federal Register:

* 3A1 Not available

11/04/2005

PBSC Financial Corporation, Greenville,

South Carolina, to become a bank holding

company by acquiring 100% of Pinnacle Bank

of South Carolina, Greenville, South Carolina

(in organization).

PBSC FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Planters Bank & Trust Company of Virginia, 11/17/2005

Staunton, Virginia, to acquire certain assets

and assume certain liabilities of the

Woodstock, Virginia, and Harrisonburg,

Virginia, branch offices of Second Bank &

Trust, Culpeper, Virginia.

PLANTERS BANK & TRUST

COMPANY OF VIRGINIA

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending October 22, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Banco Popular Espanol, S.A., Madrid, Spain, 08/28/2005

to establish an international representative

office in Miami, Florida.

BANCO POPULAR ESPANOL,

S.A.

Newspaper:

Federal Register:

CIC 11/10/2005

11/10/2005

Bonifay Holding Company, Inc., Bonifay,

Florida, after-the-fact change in control notice

filed by W. Stephen Thames, Marianna,

Florida, and Roy C. Belcer Family Trust,

William T. Parrish, Trustee, Bonifay, Florida,

to acquire control of Bonifay Holding

Company, Inc., and its subsidiary, Bank of

Bonifay, both of Bonifay, Florida, by joining a

previously approved control group that will

acquire up to 100 percent of the outstanding

stock of Bonifay Holding Company, Inc.

BONIFAY HOLDING

COMPANY, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caja de Ahorros de Mediterraneo, Alicante,

Spain, to establish an international agency

located in Miami, Florida.

CAJA DE AHORROS DE

MEDITERRANEO

Newspaper:

Federal Register:

4c8 Not applicable

11/10/2005

Chestatee Bancshares, Inc., Dawsonville,

Georgia, after-the-fact notification to engage in

certain securities brokerage and insurance

activities through its wholly-owned subsidiary,

Chestatee Financial Services, Inc.,

Dawsonville, Georgia.

CHESTATEE BANCSHARES,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 10/28/2005

establish branches at the following locations:

2875 East Gulf to Lake Highway, Inverness,

Florida, to be known as the Inverness - East

Gulf Branch; the intersection of San Jose

Boulevard (S.R. 13) and Race Track Road,

Jacksonville, Florida, to be known as the

Jacksonville - Julington Branch; and 3620

Southeast Maricamp Road, Ocala, Florida, to

be known as the Ocala -Maricamp Branch.

COMPASS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 10/28/2005

establish a branch located at 5115 East

Baseline Road, Gilbert, Arizona, to be known

as the Gilbert - Baseline Branch.

COMPASS BANK

Newspaper:

Federal Register:

* 3A1 11/12/2005

11/10/2005

Flint Community Bancshares, Inc., Albany,

Georgia, to become a bank holding company

by acquiring 100 percent of the outstanding

shares of Flint Community Bank, Albany,

Georgia (in organization).

FLINT COMMUNITY

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 11/21/2005

11/15/2005

Madison Financial Corporation, to become a

bank holding company by acquiring 100

percent of the outstanding shares of Madison

County Bank, both of Madison, Mississippi.

MADISON FINANCIAL

CORPORATION

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

MoneyTree Corporation, Lenoir City,

Tennessee, notice to become a bank holding

company by acquiring 100 percent of the

outstanding shares of First National Bank,

Lenoir City, Tennessee.

MoneyTree Corporation

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

Federal Reserve Bank of Atlanta

Filings received during the week ending October 22, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Paradise Bank, Boca Raton, Florida, to become

a member of the Federal Reserve System.

PARADISE BANK

Newspaper:

Federal Register:

* 3A5

Not available

Pinnacle Financial Partners, Inc., Nashville, 11/20/2005

Tennessee, to merge with Cavalry Bancorp,

Inc., and thereby acquire its subsidiary,

Cavalry Banking, both of Nashville,

Tennessee.

PINNACLE FINANCIAL

PARTNERS, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 10/20/2005

establish a branch located at 6503 North Point

Parkway, Alpharetta, Georgia.

REGIONS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 10/26/2005

a branch located at 3000 Galloway Ridge,

Suite 112, Pittsboro, North Carolina, to be

known as the Galloway Ridge, Retirement

Center Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 10/22/2005

a branch located at 5901 Harbour View

Boulevard, Suffolk City, Virginia, to be known

as the Harbour View Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 22, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

11/18/2005

CenterBank Financial, Inc., Northfield,

Illinois, to become a bank holding company by

acquiring 100 percent of the voting shares of

CenterBank and Trust, National Association

(in organization), Deerfield, Illinois.

CENTERBANK FINANCIAL,

INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

two branch facilities to be located at 23330

Westheimer Parkway, Katy, Texas, and at

8707 Highway 6 South, Houston, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Community First Bank-Chicago (in 10/28/2005

organization), Chicago, Illinois, to establish a

mobile bank courier service located and

operated within a 35 mile radius of the bank's

main office.

COMMUNITY FIRST

BANK-CHICAGO

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Midwest Bank, Itasca, Illinois, to

purchase the assets and assume the liabilities

of the Carpentersville, Illinois branch of Elgin

State Bank, Elgin, Illinois, and thereby to

establish a branch located at 2250 Randall

Road, Carpentersville, Illinois.

FIRST MIDWEST BANK

Newspaper:

Federal Register:

4c8 Not applicable

11/09/2005

Marshall & Ilsley Corporation, Milwaukee,

Wisconsin, to acquire through its

wholly-owned subsidiary, Metavante

Corporation, 100 percent of the issued and

outstanding capital stock of Link2Gov Corp.,

Nashville, Tennessee, and thereby engage in

data processing activities.

MARSHALL & ILSLEY

CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

11/09/2005

Palos Bancshares, Inc., Palos Heights, Illinois,

to retain the non-banking activity of extending

credit and servicing loans.

PALOS BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 11/15/2005

10/28/2005

Plymouth Bancorp Inc., Kirkwood, Missouri,

to become a bank holding company by

acquiring 100 percent of the voting shares of

Community State Bank of Plymouth,

Plymouth, Illinois.

PLYMOUTH BANCORP INC.

Newspaper:

Federal Register:

CIC Not available

10/31/2005

Notice by James Jay Johnson, Sutherland,

Iowa, to gain control of R & J Financial

Corporation, Inc., Elma, Iowa, and thereby

indirectly Peoples Savings Bank, Charles City,

Iowa.

R & J FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Southwest Bank of St. Louis, St. Louis, 10/25/2005

Missouri, to establish a branch facility to be

located at Highway K and Laura Hill Road,

O'Fallon, Missouri.

SOUTHWEST BANK OF ST.

LOUIS

* 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

616540 SECURITY SVG BK, GOWRIE, IOWA 07/11/2005 10/12/2005 S Small Bank

2685504 WARREN BK, WARREN, MICHIGAN 05/16/2005 10/17/2005 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St.Louis

Filings received during the week ending October 22, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 11/18/2005

11/21/2005

Buena Vista Bancorp, Inc., Chester, Illinois, to

acquire 100 percent of Citizens Community

Bank of Decatur, Decatur, Illinois.

BUENA VISTA BANCORP,

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Clarence Ray Brewer, Jr., Central

City, Kentucky, to gain control of Community

Bancorp of McLean County, Kentucky, Inc.,

Island, Kentucky.

COMMUNITY BANCORP OF

MCLEAN COUNTY,

KENTUCKY,INC

Newspaper:

Federal Register:

* 3A1 11/21/2005

11/21/2005

First National Financial Corporation,

McGehee, Arkansas, to become a bank holding

company by acquiring 100 percent of The First

National Bank of McGehee, McGehee,

Arkansas.

FIRST NATINAL FINANCIAL

CORPORATION

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

Federal Reserve Bank of St.Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending October 22, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

11/10/2005

Citizens Development Company, Billings,

Montana to merge with United

Bancorporation, Billings, Montana and thereby

indirectly acquire Lincoln County Bank,

Merrill, Wisconsin; United Bank, Osseo,

Wisconsin; Bank of Poynette, Poynette,

Wisconsin and Cambridge State Bank,

Cambridge, Wisconsin.

CITIZENS DEVELOPMENT

COMPANY

Newspaper:

Federal Register:

* 3A5 Not available

11/10/2005

Citizens Development Company, Billings,

Montana to merge with Midwest

Bancorporation, Billings, Montana and thereby

indirectly acquire Clarke County State Bank,

Osceola, Iowa, Farmers and Merchants State

Bank, Iroquois, South Dakota and Farmers

State Bank, Stickney, South Dakota.

CITIZENS DEVELOPMENT

COMPANY

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 October 22, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/12/2005

11/10/2005

Collegiate Peaks Bancorp, Inc., Denver,

Colorado, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of Collegiate Peaks Bank, Buena

Vista, Colorado.

COLLEGIATE PEAKS

BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by Garth Lee Gibson and Cynthia

Annette Gibson, both of Montrose, Colorado,

to acquire control of First Mountain Company,

Montrose, Colorado, parent of MontroseBank,

Montrose, Colorado.

FIRST MOUNTAIN COMPANY

Newspaper:

Federal Register:

CIC 11/11/2005

11/08/2005

Notification by Alan R. Fairman, DuBois,

Pennsylvania; Beverly A. Fairman, Ronald L.

Fairman, and Ann W. Fairman, all of

Punxsutawney, Pennsylvania, acting as a group

in concert, to acquire control of New Mexico

Banquest Corporation, parent of First National

Bank of Santa Fe, both in Santa Fe, New

Mexico. Notification by Johnny P. Crowley,

Glorieta, New Mexico, as trustee of the New

Mexico Banquest Corporation Employee Stock

Ownership Plan Trust, Santa Fe, New Mexico,

to acquire control of New Mexico Banquest

Corporation, parent of First National Bank of

Santa Fe, both in Santa Fe, New Mexico.

NEW MEXICO BANQUEST

CORPORATION

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

SolutionsBank, Overland Park, Kansas, to 11/05/2005

merge with Citizens Home Bank, Greenfield,

Missouri, and incident thereto, to establish

several branches. SolutionsBank, Overland

Park, Kansas, to establish a branch at 127

West 10th STreet, Kansas City, Missouri.

SOLUTIONSBANK

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

376657 FARMERS ST BK, STANBERRY, MISSOURI 08/01/2005 10/13/2005 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 October 22, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/09/2005

Notice by Mr. Robert Cundiff Phillips, Clifton,

Texas, to acquire an additional 26.34 percent

for a total of 39.52 percent interest in Bosque

Bancshares, Inc., Cranfills Gap, Texas, and

indirectly Bosque Delaware Financial

Corporation, Dover, Delaware, and First

Security State Bank, Cranfills Gap, Texas.

BOSQUE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 11/15/2005

11/15/2005

New Waggoner, Inc., Vernon, Texas, to

become a bank holding company by acquiring

100 percent of Waggoner National Bancshares,

Inc., Vernon, Texas, and indirectly acquire

Vernon Bancshares, Inc., Wilmington,

Delaware, and Waggoner National Bank,

Vernon, Texas.

NEW WAGGONER, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Tradition Bank, Houston, Texas, to establish a 10/28/2005

branch to be located at 3205 College Park

Drive, The Woodlands, Texas 77384.

TRADITION BANK

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending October 22, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of the Federated States of Micronesia,

Kolonia, Pohnpei, Federated States of

Micronesia, to establish a limited service

non-insured branch in Honolulu, Hawaii,

pursuant to section 7(d)of the International

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

Regulation K.

BANK OF THE FEDERATED

STATES OF MICRONESIA

Newspaper:

Federal Register:

* 3A3 10/08/2005

10/10/2005

Cathay General Bancorp, Los Angeles,

California, to acquire up to 100 percent of

Great Eastern Bank, New York, New York.

CATHAY GENERAL

BANCORP

Newspaper:

Federal Register:

* Branch

Not applicable

Frontier Bank, Everett, Washington, to 10/15/2005

establish a branch facility at 3670 Bridgeport

Way West, University Place, Washington.

FRONTIER BANK

* 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