Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 27

Week Ending July 8, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions July 2, 2006 to July 8, 2006

Discount Rates

Discount and Advance Rates -- increase in the primary credit rate from 6 percent to 

6-1/4 percent by the Federal Reserve Bank of Kansas City.

- Approved, July 6, 2006 

Enforcement

Progress Bancshares, Inc., Sullivan, Missouri, and Progress Bank of Missouri -- 

issuance of a consent cease and desist order.

- Announced, July 5, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
July 2, 2006 to July 8, 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

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 36th Street and 

Tecumseh Road, Norman, Oklahoma.

- Approved, July 6, 2006 

St. Louis

Community Bank of West Georgia, Villa Rica, Georgia -- to establish a branch at 

5886 Wendy Bagwell Parkway, Hiram.

- Approved, July 7, 2006 

Atlanta

First Southern Bank, Boca Raton, Florida -- to establish a branch at 200 South 

Andrews Avenue, Unit R-B, Fort Lauderdale.

- Approved, July 7, 2006 

Atlanta

Regions Bank, Birmingham, Alabama -- to establish a branch at 9600 Brownsboro 

Road, Suite 300, Louisville, Kentucky.

- Withdrawn, July 5, 2006 

Atlanta

SunTrust Bank, Atlanta, Georgia -- to establish branches at 3001 North State Road 

7, Lauderdale Lakes, Florida; and 199 North University Drive, Pembroke Pines.

- Approved, July 7, 2006 

Secretary

Bank Holding Companies

Belvedere Capital Fund II L.P., Wilmington, Delaware, and Belvedere Capital 

Partners II, LLC, San Francisco, California -- to acquire Presidio Bank, a de novo 

bank.

- Approved, July 7, 2006 

Secretary

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority July 2, 2006 to July 8, 2006

Bank Holding Companies

Coastal Affiliates, MHC, Yarmouth Port, Massachusetts -- to become a bank 

holding company in connection with the reorganization of Cape Cod Cooperative 

Bank into a mutual bank holding company structure.

- Approved, July 5, 2006 

Boston

First National Bank and Trust Company, Shawnee, Oklahoma -- waiver of 

application in connection with the application by GSB Acquisition Co., Lawton, to 

acquire GSB Holding, Inc., parent of Guarantee State Bank.

- Granted, July 6, 2006 

Kansas City

New Century Bancorp, Inc., Dunn, North Carolina -- waiver of application in 

connection with the acquisition of Progressive State Bank, Lumberton, and the 

immediate merger of Progressive State Bank with New Century Bank South, 

Fayettevillle.

- Granted, July 7, 2006 

Richmond

Republic Bancorp Co., Orland Park, Illinois -- to acquire up to 24.99 percent of the 

shares of Park Bancorp, Inc., Chicago, and thereby acquire Park Federal Savings 

Bank and operate a savings association.

- Withdrawn, July 6, 2006 

Chicago

South Shore Mutual Holding Company, Weymouth, Massachusetts -- to acquire 

through its subsidiary, South Shore Cooperative Bank, 40 percent of the shares of 

Stonebridge Mortgage Company, LLC, Raynham.

- Approved, July 7, 2006 

Boston

Bank Mergers

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to purchase the assets and 

assume the liabilities of three Florida branches of M&I Bank, FSB, Las Vegas, 

Nevada, and thereby establish three branches.

- Approved, July 6, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority July 2, 2006 to July 8, 2006

Banks, Foreign

Banco Santander International, Miami, Florida -- to establish a branch in Houston, 

Texas.

- Approved, July 7, 2006 

New York

Change In Bank Control

Barker Brothers, Inc., Springfield, Illinois -- to retain control of Barker Brothers, 

Inc. and Middletown State Bank, Middletown.

- Permitted, July 3, 2006 

Chicago

Central Bancshares, Inc., Cambridge, Nebraska -- change in bank control.

- Permitted, July 5, 2006 

Kansas City

Competitive Factors Reports

American Savings Bank, FSB, Portsmouth, Ohio -- report on competitive factors of 

the proposed purchase of the South Shore, Kentucky, branch of Peoples Bank, 

National Association, Marietta, Ohio.

- Submitted, July 6, 2006 

Cleveland

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

competitive factors of the proposed merger with West Pointe Bank and Trust 

Company, Belleville, Illinois.

- Submitted, July 7, 2006 

Kansas City

Community First Interim Bank, St. Clair, Illinois -- report on competitive factors of 

the proposed merger with Community First Bank, Fairview Heights.

- Submitted, July 5, 2006 

St. Louis

First Commonwealth Bank, Indiana, Pennsylvania -- report on competitive factors 

of the proposed merger with Laurel Savings Bank, Allison Park.

- Submitted, July 7, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority July 2, 2006 to July 8, 2006

Competitive Factors Reports

The First National Bank of McConnellsburg, McConnellsburg, Pennsylvania -- 

report on competitive factors of the proposed merger with The First National Bank 

of Greencastle, Greencastle.

- Submitted, July 6, 2006 

Philadelphia

UMB Bank Colorado, National Association, Denver, Colorado -- reports on 

competitive factors of the proposed merger with Mountain States Bank.

- Submitted, July 7, 2006 

Kansas City

Washington Mutual Bank, Henderson, Nevada -- report on competitive factors of 

the proposed merger with Commercial Capital Bank FSB, Irvine, California.

- Submitted, July 5, 2006 

San Francisco

WashingtonFirst Bank, Washington, D.C. -- report on competitive factors of the 

proposed merger with First Liberty National Bank.

- Submitted, July 7, 2006 

Richmond

Wells Fargo Bank, National Association, Sioux Falls, South Dakota -- report on 

competitive factors of the proposed consolidation with Fremont National Bank of 

Canon City, Canon City, Colorado, and Centennial Bank of Pueblo, Pueblo.

- Submitted, July 7, 2006 

Kansas City

Extensions Of Time

Adams Bank & Trust, Ogallala, Nebraska -- extension to September 30, 2006, to 

establish a branch at 7700 South College Avenue, Fort Collins, Colorado.

- Granted, July 5, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority July 2, 2006 to July 8, 2006

Extensions Of Time

Minier Financial, Inc. Employee Stock Ownership Plan w/401(k) Provisions, 

Minier, Illinois -- extension to September 30, 2006, to become a bank holding 

company and to acquire between 25 percent and 51 percent of the shares of Minier 

Financial, Inc. and thereby acquire First Farmers State Bank.

- Granted, July 6, 2006 

Chicago

Prairieland Bancorp Employee Stock Ownership Plan and Trust, Bushnell, 

Illinois -- extension to November 2, 2006, to increase its ownership from 44.80 

percent to 49.67 percent of the shares of Prairieland Bancorp, Inc. and thereby 

increase its ownership of Farmers and Merchants State Bank of Bushnell.

- Granted, July 5, 2006 

Chicago

Financial Holding Companies

Pedcor Bancorp, Carmel, Indiana -- election to become a financial holding company.

- Effective, July 5, 2006 

Chicago

Membership

Presidio Bank, San Francisco, California, a de novo bank -- to become a member of 

the Federal Reserve System and to establish a branch at 1850 Mount Diablo 

Boulevard, Suite 640, Walnut Creek.

- Approved, July 7, 2006 

Secretary

(AC) = Addition or Correction Delegated - Page 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending July 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 July 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/04/2006

HSBC Holdings plc, HSBC Overseas Holdings

(UK) Limited, both of London, United

Kingdom, HSBC North America Inc., Buffalo,

New York, HSBC Investments (North

America) Inc., Wilmington, Delaware, HSBC

North America Holdings Inc., Prospect

Heights, Illinois, and HSBC USA Inc., New

York, New York, propose to acquire a new

insured and full-service bank pursuant to

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

Act of 1956 as amended,by establishing a

national bank to be named HSBC National

Bank USA in Bethesda, Maryland.

HSBC HOLDINGS PLC

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Macquarie Bank Ltd., Sydney, Australia, to

establish one additional representative office in

San Francisco, California, pursuant to Section

211.24(a)(2)(i)(B)(3) of Regulation K.

MACQUARIE BANK LIMITED

Newspaper:

Federal Register:

4c8 Not applicable

07/25/2006

NRW.Bank and WestLB Beteiligungsholding

GmbH, both of Dusseldorf, Germany

(collectively, the "Notificants"), to continue to

engage indirectly in extending credit and

servicing loans and acting as a financial or

investment advisor, pursuant to Section 4(c)(8)

of the Bank Holding Company Act of 1956, as

amended, and Sections 225.28(b)(1) and

225.28(b)(6) of Regulation Y. These activities

are conducted through certain joint ventures of

HSH Nordbank AG, Hamburg, Germany, a

subsidiary of the Notificants.

NRW.BANK

Newspaper:

Federal Register:

* 3A3

* 3A5

07/15/2006

07/28/2006

The Toronto-Dominion Bank, Toronto,

Ontario, Canada, and TD Banknorth Inc.,

Portland, Maine, propose to acquire 100

percent of the voting shares of Interchange

Financial Services Corporation, the parent

company of Interchange Bank, both of Saddle

Brook, New Jersey, pursuant to Sections

3(a)(3) and 3(a)(5) 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

275509 COMMUNITY BK OF BERGEN CTY, MAYWOOD, NEW JERSEY02/06/2006 06/26/2006 S Small Bank

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 July 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

07/10/2006

East Penn Financial Corporation, Emmaus,

PA, to acquire up to 19.9% of Berkshire

Bancorp, Inc., Wyomissing, PA.

EAST PENN 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 July 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending July 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

The Bank of Marion, Marion, Virginia, to

increase its investment in bank premises in the

amount of $43,266.

BANK OF MARION, THE

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Heritage Bank, Fairfax, Virginia, 07/24/2006

proposes to establish a branch at 7905 Heritage

Village Plaza, Gainesville, Virginia.

VIRGINIA HERITAGE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Waccamaw Bank, Whiteville, North Carolina, 07/21/2006

proposes to establish a branch at 923 Seaside

Road SW, Ocen Isle Beach, North Carolina.

WACCAMAW BANK

Newspaper:

Federal Register:

* 4c8 Not available

Not available

Wachovia Corporation, Charlotte, North

Carolina, to acquire 100% of the voting

securities of Golden West Financial

Corporation, Oakland, California, and thereby

indirectly acquire World Savings Bank, FSB,

Oakland, California, and its thrift subsidiary,

World Savings Bank, FSB (Texas), Houston,

Texas, and engage in the activities of operating

a savings association, and indirectly acquire

Atlas Advisors, Inc., San Leandro, California,

and engage in investment advisory activities,

and indirectly acquire Atlas Securities, Inc.,

San Leandro, California, and engage in

securities brokerage services, and indirectly

acquire World Mortgage Investors, Inc.,

Rockville, Maryland, and engage in the

activities of extending credit and servicing

loans.

WACHOVIA CORPORATION

* 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 July 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Sun American Bank, Miami, Florida, to 07/12/2006

establish a branch located at 221 Miracle Mile,

Coral Gables, Florida, to be known as the

Miracle Mile Branch.

SUN AMERICAN 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 July 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

1st Source Bank, South Bend, Indiana, to 07/17/2006

establish a branch facility to be located at 450

State Road 23, Granger, Indiana.

1ST SOURCE BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

First American Bank, Fort Dodge, Iowa, to 07/07/2006

merge with Waukee State Bank, Waukee,

Iowa, and incident thereto, to establish a

branch office at the existing location of

Waukee State Bank, 45 North Warrior Lane,

Waukee, Iowa; and the related application by

Stark Bank Group, Ltd., Fort Dodge, Iowa,

requesting a waiver from filing an application

to merge with Commerce Bancshares, Inc.,

Waukee, Iowa, and thereby indirectly acquire

Waukee State Bank, Waukee, Iowa.

FIRST AMERICAN BANK

Newspaper:

Federal Register:

* 3A1

4c8

07/03/2006

07/07/2006

First Community Financial Partners, Inc.,

Joliet, Illinois, to become a bank holding

company by acquiring 100 percent of the

voting shares of First Community Bank of

Joliet, Joliet, Illinois, and to engage de novo in

lending activities.

FIRST COMMUNITY

FINANCIAL PARTNERS, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Farmers Bank & Trust Co., Converse,

Indiana, to purchase certain assets and assume

certain liabilities of three Indiana branch

offices of Fifth Third Bank, Grand Rapids,

Michigan, located in Culver, Knox, and North

Judson, and thereby to establish three branch

offices.

FIRST FARMERS BANK &

TRUST

Newspaper:

Federal Register:

CIC 06/29/2006

06/13/2006

Notice by Richard N. Glendening of Pella,

Iowa, individually and as trustee of the Richard

Glendening Trust and the Linda Glendening

Subchapter S Trust to retain control of 35.34

percent and acting in concert with the

Glendening Family (Richard & Mary

Glendening, Pella, Iowa; Linda Glendening,

Pella, IA; Kara & Nathan Busker, Oakland,

NJ; Eric & Sanae Glendening, Terre Hante,

IN; Erin Glendening, Pittsburgh, PA; Brent &

Mary Jaco, Galveston, TX) to retain control of

39.53 percent of Leighton Investment

Company, Pella, Iowa.

LEIGHTON INVESTMENT

COMPANY

Newspaper:

Federal Register:

CIC 06/13/2006

06/15/2006

Notice by Harvey N. Gainey, Sr., Grand

Rapids, Michigan, to acquire control, through

the acquisition of additional shares, of 20.94

percent of Northpointe Bancshares, Inc., Grand

Rapids, Michigan, and thereby indirectly

acquire Northpointe Bank, Grand Rapids,

Michigan.

NORTHPOINTE

BANCSHARES, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending July 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 07/19/2006

07/21/2006

Ohnward Bancshares, Inc., Maquoketa, Iowa,

to acquire 100 percent of the voting shares of

United Security Financial Corporation, Cedar

Rapids, Iowa, and thereby indirectly acquire

United Security Savings Bank, Cedar Rapids,

Iowa, and thereby operate a savings

association.

OHNWARD BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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

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

614340 CSB BK, CAPAC, MICHIGAN 03/13/2006 07/03/2006 S Small Bank

643340 EASTERN MI BK, CROSWELL, MICHIGAN 03/20/2006 07/06/2006 S Small Bank

489641 MARKESAN ST BK, MARKESAN, WISCONSIN 02/27/2006 06/26/2006 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 July 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 07/14/2006

06/30/2006

Mid-Missouri Bancshares, Inc., Springfield,

Missouri, to merge with First Financial

Bancshares, Inc., Springfield, Missouri, and

thereby indirectly acquire First National Bank

of Mount Vernon, Mount Vernon, Missouri.

MID-MISSOURI

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 07/14/2006

06/30/2006

Mid-Missouri Bancshares, Inc., Springfield,

Missouri, to merge with Central States

Bancshares, Inc., Springfield, Missouri, and

thereby indirectly acquire Webb City Bank,

Webb City, Missouri.

MID-MISSOURI

BANCSHARES, INC.

Newspaper:

Federal Register:

* 4c8 Not available

08/07/2006

Republic Bancorp, Inc., Louisville, Kentucky,

to acquire 100 percent of GulfStream

Community Bank, Port Richey, Florida, and

thereby operate a savings association.

REPUBLIC BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Triumph Bank, Germantown, Tennessee, to 07/17/2006

establish a branch facility to be located at 2171

Judicial Drive, Germantown, Tennessee, and to

relocate its main office to be constructed at

5699 Poplar Avenue, Memphis, Tennessee.

TRIUMPH BANK

* 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

663450 BANK OF LA, LOUISIANA, MISSOURI 04/03/2006 06/30/2006 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 July 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/04/2006

Glacier Bancorp, Inc., Kalispell, Montana, to

acquire 100 percent of First National Bank of

Morgan, Morgan, Utah, through merger with

and into New First National Bank of Morgan,

an interim bank.

GLACIER BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 07/19/2006

07/14/2006

Hatton Bancshares, Inc., Fargo, North Dakota,

to become a bank holding company by

acquiring ninety percent of the voting shares of

Farmers & Merchants National Bank of

Hatton, North Dakota.

HATTON BANCSHARES

Newspaper:

Federal Register:

* 3A3 Not available

08/07/2006

Richey Bancorporation Inc., Glendive,

Montana, to increase it ownership interest in

Community First Bancorp, Inc. Glendive,

Montana, from 25% to 33.33%, and thereby

indirectly acquire Community First Bank,

Glendive, Montana.

RICHEY BANCORPORATION,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

07/10/2006

State Bank of Hawley Employee Stock

Ownership Plan, Hawley, Minnesota, proposes

to increase its ownership to 46% of Bankshares

of Hawley, Inc., Hawley, Minnesota.

STATE BANK OF HAWLEY

EMPLOYEE STOCK

OWNERSHIP PLAN & TRUST

Newspaper:

Federal Register:

* 3A5 Not available

07/31/2006

U.S. Bancorp, Minneapolis, Minnesota, to

acquire 100 percent of Vail Banks, Inc., Avon,

Colorado, and thereby indirectly acquire

WestStar Bank, Vail, Colorado.

U.S. BANCORP

* 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 July 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

07/17/2006

Notice by Daniel T. Sims and Nicolette B.

Sims, Leawood, Kansas, and Daniel T. Sims as

co-trustee of the Will Ben Sims Marital Trust

and the Patricia L. Sims Family Trust; Stephen

L. Riffel and Mary Susan Riffel, Moberly,

Missouri, and Mary Susan Riffel as co-trustee

of the Patricia L. Sims Family Trust; Will Ben

Sims Marital Trust, Moberly Missouri; Patricia

L. Sims Family Trust, Moberly, Missouri; to

acquire control of Chariton County

Bancshares, Inc., Moberly, Missouri, parent of

County Bank, Brunswick, Missouri.

CHARITON COUNTY

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Premises Not applicable

Citizens Security Bank and Trust Company, 07/17/2006

Bixby, Oklahoma, to establish a branch at

10051 South Yale Avenue, Suite 203, Tulsa,

Oklahoma, and to increase its investment in

bank premises in the amount of $10,000.

CITIZENS SECURITY BANK &

TRUST COMPANY

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Citizens Security Bank and Trust Company,

Bixby, Oklahoma, to increase its investment in

bank premises in the amount of $9,240,000.

CITIZENS SECURITY BANK &

TRUST COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Kearney State Bank and Trust Company, 07/15/2006

Kearney, Nebraska, to establish a mobile

branch bank to be located at 3015 2nd Avenue,

Kearney, Nebraska.

KEARNEY STATE BANK AND

TRUST COMPANY

Newspaper:

Federal Register:

CIC 05/10/2006

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

94858 ADRIAN BK, ADRIAN, MISSOURI 03/27/2006 06/29/2006 S Small Bank

271752 BANK OF CUSHING & TC, CUSHING, OKLAHOMA 03/20/2006 06/19/2006 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 July 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

Bryan Family Management Trust and Bryan 07/28/2006

Heritage Limited Partnership, both of Bryan,

Texas, to acquire additional shares up to 51%

of The First National Bank of Bryan, Bryan,

Texas.

BRYAN FAMILY

MANAGEMENT TRUST

* 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 July 8, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

The Banc Funds Company, L.L.C., Banc Fund 07/20/2006

V L.P., Banc Fund VI L.P., and Banc Fund VII

L.P., all of Chicago, Illinois, to acquire up to

24.9 percent of Valley Commerce Bancorp,

and thereby indirectly acquire Valley Business

Bank, both of Visalia, California.

VALLEY COMMERCE

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