Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 52

Week Ending December 24, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions December 18, 2005 to December 24, 2005

Bank Holding Companies

Deutsche Bank AG, Frankfurt, Germany, and Taunus Corporation, New York, New 

York -- to engage in physical commodity trading activities on a limited basis as an 

activity that is complementary to a financial activity.

- Approved, December 19, 2005 

Penn Bancshares, Inc., Pennsville, New Jersey -- to acquire up to 24.89 percent of 

the shares of Harvest Community Bank.

- Approved, December 19, 2005 

Currency

Federal Reserve Notes -- new currency budget for 2006.

- Approved, December 19, 2005 

Forms

Forms -- final Board review to extend without revision the Recordkeeping and 

Disclosure Requirements Associated with Loans Secured by Real Estate Located in 

Flood Hazard Areas Pursuant to Section 208.25 of Regulation H (Reg H-2) and 

Recordkeeping, Reporting, and Disclosure Requirements Pursuant to the 

Community Reinvestment Act (Reg BB).

- Approved, December 19, 2005 

Regulations And Policies

Nontraditional Mortgage Products -- publication for comment of interagency 

guidance on residential mortgage products that allow borrowers to defer repayment 

of principal and sometimes interest (Docket No. OP-1246).

- Approved, December 19, 2005 

Reserve Bank Operations

Federal Reserve Bank Budgets -- operating and capital budgets for the Reserve 

Banks and Federal Reserve Information Technology, and operating budget for the 

Office of Employee Benefits for 2006.

- Approved, December 20, 2005 

Enforcement

ABN AMRO Bank N.V., Amsterdam, The Netherlands; and its New York, New 

York, and Chicago, Illinois, Branches -- interagency issuance of a consent cease 

and desist order and assessment of penalties.

- Announced, December 19, 2005 

(AC) = Addition or Correction Board - Page 1 of 2
H.2 Board Actions December 18, 2005 to December 24, 2005

Enforcement

County Bank, Merced, California -- written agreement dated October 26, 2004, 

terminated December 15, 2005.

- Announced, December 21, 2005 

(AC) = Addition or Correction Board - Page 2 of 2
December 18, 2005 to December 24, 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

AmSouth Bank, Birmingham, Alabama -- to establish branches at 175 West 

Granada Boulevard, Ormond Beach, Florida; 555 Ridgewood Avenue, Holly Hill; 

and 200 Fifth Avenue, Indialantic; and at the intersections of: US Highway 27 and 

Northwest 44th Avenue, Ocala; North Wickham Road and Post Road; Ulrnerton 

Road and Seminole Boulevard, Clearwater; US 441 and Southeast 167th Road, 

Summerfield; County Road 581 and County Line Road, Tampa; and Edgewater 

Drive and Clayton Street, Orlando.

- Approved, December 23, 2005 

Atlanta

Bank of the Federated States of Micronesia, Kolonia, Pohnpei, Federated States of 

Micronesia -- to establish a branch in Honolulu, Hawaii.

- Approved, December 23, 2005 

Director, BS&R

Citizens Bank, Flint, Michigan -- to establish a branch at 49125 Grand River 

Avenue, Novi.

- Approved, December 23, 2005 

Chicago

Compass Bank, Birmingham, Alabama -- to establish a branch at 11890 

Westheimer Road, Houston, Texas.

- Approved, December 23, 2005 

Atlanta

Dacotah Bank, Aberdeen, South Dakota -- to establish a branch at 1231 East 57th 

Street, Sioux Falls.

- Approved, December 22, 2005 

Minneapolis

Fidelity & Trust Bank, Bethesda, Maryland -- to establish a branch at 1044 

Wisconsin Avenue, Northwest, Washington, DC.

- Approved, December 22, 2005 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority December 18, 2005 to December 24, 2005

Bank Branches, Domestic

First Bank, Strasburg, Virginia -- to establish a branch on Route 50, Winchester.

- Approved, December 23, 2005 

Richmond

Regions Bank, Birmingham, Alabama -- to establish a branch at 3805 Macon Road, 

Columbus, Georgia.

- Approved, December 23, 2005 

Atlanta

Temecula Valley Bank, Temecula, California -- to establish a branch at 985 Lomas 

Santa Fe Drive, Solana Beach.

- Approved, December 23, 2005 

San Francisco

TruPoint Bank, Grundy, Virginia -- to establish a branch at 709 Med Tech Parkway, 

Johnson City, Tennessee.

- Approved, December 21, 2005 

Richmond

Bank Holding Companies

Community First Bancshares, Inc., Harrison, Arkansas -- to acquire additional 

shares of White River Bancshares Company, Fayetteville, and thereby acquire 

Signature Bank.

- Approved, December 19, 2005 

St. Louis

Cullen/Frost Bankers, Inc., San Antonio, Texas -- waiver of application to acquire 

Texas Community Bancshares, Inc., Dallas, and its subsidiaries, First Lakewood, 

Inc., Dover, Delaware, and Texas Community Bank & Trust, N.A., Dallas, in 

connection with the merger of Texas Community Bank & Trust, N.A. with 

Cullen/Frost Bankers' subsidiary, The Frost National Bank, San Antonio.

- Granted, December 20, 2005 

Secretary

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority December 18, 2005 to December 24, 2005

Bank Holding Companies

First Community Bancorp, Rancho Santa Fe, California -- waiver of application to 

merge with Cedars Acquisition Corp., in connection with the merger of Cedars 

Bank, Los Angeles, and Pacific Western National Bank, Santa Monica.

- Granted, December 19, 2005 

San Francisco

First Community Bancshares, Inc., Overland Park, Kansas -- to acquire Corning 

Investment Company, Inc., Centralia, parent of The Farmers State Bank of Corning, 

Corning.

- Withdrawn, December 22, 2005 

Kansas City

FirstPerryton Bancorp, Inc., Perryton, Texas -- to acquire Amarillo Western 

Bancshares, Inc., Amarillo, and thereby acquire Western National Bank.

- Approved, December 22, 2005 

Dallas

Home Bancshares, Inc., Conway, Arkansas -- to acquire additional shares of White 

River Bancshares Company, Fayetteville, and thereby acquire Signature Bank.

- Approved, December 21, 2005 

St. Louis

Independent Community Bancorp, Inc., Frankfort, Kentucky -- to acquire 35.8 

percent of the shares of Heritage Bank of Ashland, Inc., Ashland.

- Approved, December 22, 2005 

St. Louis

M&P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan, 

Newport, Arkansas -- to become a bank holding company and to acquire an 

additional 1.63 percent, for a total ownership of 26.58 percent, of the shares of 

M&P Community Bancshares, Inc., and thereby acquire Greers Ferry Lake State 

Bank, Heber Springs, and Merchants & Planters Bank, Newport.

- Withdrawn, December 21, 2005 

St. Louis

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority December 18, 2005 to December 24, 2005

Bank Holding Companies

ST Banc Corp., McAllen, Texas -- to become a bank holding company and to 

acquire South Texas Bancorp, Hebbronville, and indirectly acquire South Texas 

Bancorp of Delaware, Inc., Wilmington, Delaware, and Hebbronville State Bank, 

Hebbronville, Texas.

- Approved, December 22, 2005 

Dallas

STC Bancshares Corp., St. Charles, Illinois -- to become a bank holding company 

and to acquire STC Capital Bank, a de novo bank, and to engage de novo in 

extending credit and servicing loans.

- Approved, December 19, 2005 

Chicago

Town & Country Financial, Inc., Dundee, Kentucky -- to acquire 6.3 percent of the 

shares of Heritage Bank of Ashland, Inc., Ashland.

- Approved, December 22, 2005 

St. Louis

Bank Mergers

Peoples Bank & Trust Co., Troy, Missouri -- to purchase the assets and assume the 

liabilities of Bank of Lincoln County, Elsberry, and thereby establish a branch.

- Withdrawn, December 20, 2005 

St. Louis

Change In Bank Control

Apple Creek Banc Corp, Apple Creek, Ohio -- change in bank control.

- Permitted, December 23, 2005 

Cleveland

Cecil Bancorp, Inc., Elkton, Maryland -- change in bank control.

- Permitted, December 20, 2005 

Richmond

Community Bancorp of McLean County, Kentucky, Inc., Island, Kentucky -- 

change in bank control.

- Permitted, December 19, 2005 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority December 18, 2005 to December 24, 2005

Change In Bank Control

Hanisch Bankshares, Ltd., Crosby, North Dakota -- change in bank control.

- Permitted, December 20, 2005 

Minneapolis

The Viking Corporation, Omaha, Nebraska -- change in bank control.

- Permitted, December 19, 2005 

Kansas City

Wilson Bancshares, Inc., Wilson, Kansas -- to retain control of Wilson Bancshares, 

Inc.

- Permitted, December 22, 2005 

Kansas City

Competitive Factors Reports

CenterState Bank Mid Florida, Leesburg, Florida -- report on competitive factors of 

the proposed merger with CenterState Interim Bank.

- Submitted, December 20, 2005 

Atlanta

Commercial Capital Bank, FSB, Irvine, California -- report on competitive factors 

of the proposed merger with Calnet Business Bank, N.A., Sacramento.

- Submitted, December 23, 2005 

San Francisco

The Farmers Bank and Savings Company, Pomeroy, Ohio -- report on competitive 

factors of the proposed merger with Credit Express, Inc.

- Submitted, December 21, 2005 

Cleveland

Frandsen Bank & Trust, Lonsdale, Minnesota -- report on competitive factors of 

the proposed merger with Rural American Bank-Foley, Foley.

- Submitted, December 21, 2005 

Minneapolis

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority December 18, 2005 to December 24, 2005

Competitive Factors Reports

The Harbor Bank of Maryland, Baltimore, Maryland -- report on competitive 

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

liabilities of the Baltimore branch of Susquehanna Bank, Hagerstown.

- Submitted, December 20, 2005 

Richmond

Keystone Nazareth Bank & Trust Company, Bethlehem, Pennsylvania -- report on 

competitive factors of the proposed merger with The Trust Company of Lehigh 

Valley, Allentown, and its parent Company, Paragon Group, Inc.

- Submitted, December 20, 2005 

Philadelphia

Prosperity Bank, El Campo, Texas -- report on competitive factors of the proposed 

merger with Southern National Bank of Texas, Sugar Land.

- Submitted, December 21, 2005 

Dallas

Sun Security Bank, Ellington, Missouri -- report on competitive factors of the 

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

Piedmont branch of Ozarks Federal Savings and Loan Association, Farmington.

- Submitted, December 21, 2005 

St. Louis

UMB Bank, National Association, Kansas City, Missouri -- report on competitive 

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

liabilities of the Kansas City branch of Pulaski Bank, St. Louis.

- Submitted, December 21, 2005 

Kansas City

Union Bank, Inc., Middlebourne, West Virginia -- report on competitive factors of 

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

Ellenboro, Harrisville, and Pennsboro branches of Wesbanco Bank, Inc., Wheeling.

- Submitted, December 20, 2005 

Cleveland

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority December 18, 2005 to December 24, 2005

Competitive Factors Reports

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

the proposed merger with WM Interim 2006 Federal SLA.

- Submitted, December 23, 2005 

San Francisco

Extensions Of Time

ABC Bancorp, Moultrie, Georgia -- commenter's request for reconsideration of the 

Board's approval of the application to merge with First National Banc, Inc., St. 

Mary's, and to acquire its subsidiaries.

- Denied, December 20, 2005 

Secretary

Capital Bank Corporation, Raleigh, North Carolina -- extension to March 26, 2006, 

to merge with 1st State Bancorp, Inc., Burlington, and thereby acquire its 

subsidiary, 1st State Bank.

- Granted, December 19, 2005 

Richmond

Citigroup Inc., New York, New York -- extension of time for its subsidiary, Banco 

Nacional de Mexico, S.A., Mexico City, Mexico, to divest its interests in certain 

assets acquired in settlement of debts previously contracted.

- Granted, December 23, 2005 

Secretary

Cooperatieve Centrale Raiffeisen-Boerenleenbank, Utrecht, The Netherlands; 

Rabobank International Holding B.V.; Utrecht-America Holdings, Inc., New York, 

New York; and VIB Corp, El Centro, California -- commenter's request to extend 

the comment period on the application to acquire Central Coast Bancorp, Salinas, 

California, and Community Bank of Central California.

- Denied, December 19, 2005 

Secretary

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority December 18, 2005 to December 24, 2005

Extensions Of Time

Monson Financial Services Mutual Holding Company, Monson, Massachusetts, and 

Monson Financial Services Corp. -- extension to January 31, 2006, to become a 

mutual bank holding company and a stock bank holding company, respectively, and 

to acquire Monson Savings Bank.

- Granted, December 20, 2005 

Boston

PlainsCapital Bank, Lubbock, Texas -- extension to August 31, 2006, to establish 

branches at 777 Taylor Street, Suite 102, Fort Worth, and 6001 Sherry Lane, Dallas, 

and courier service branches at 1629 West Hebron Parkway, Carrollton, 18111 

Preston Road, Dallas, and 5010 University Avenue, Lubbock.

- Granted, December 19, 2005 

Dallas

Regions Bank, Birmingham, Alabama -- extension to January 4, 2007, to establish a 

branch at Pooler Parkway and Park Avenue, Pooler, Georgia.

- Granted, December 20, 2005 

Atlanta

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

comment period on the application to merge with Banking Corporation of Florida, 

Naples, Florida, and thereby acquire First Florida Bank.

- Denied, December 19, 2005 

Secretary

Membership

Northampton Co-operative Bank, Northampton, Massachusetts -- to become a 

member of the Federal Reserve System.

- Approved, December 22, 2005 

Boston

(AC) = Addition or Correction Delegated - Page 8 of 8
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending December 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

First Connecticut Bancorp, Inc., Farmington,

Connecticut to become a bank holding

company in connection with the reorganization

of Farmington Savings Bank, Farmington,

Connecticut into the mutual bank holding

company structure.

First Connecticut Bancorp, Inc.

Newspaper:

Federal Register:

CIC Not available

01/03/2006

Notice pursuant to the Change in Bank Control

Act of 1978 by Joseph A. Riley who would

become a member of a group of related family

interests that currently owns greater than 25%

of the voting shares of Northern Bancorp, Inc.,

Woburn, Massachusetts.

NORTHERN BANCORP, INC.

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending December 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 01/08/2006

01/12/2006

Banco Santander Central Hispano, S.A.,

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

the BHC Act and Section 225.24 of Regulation

Y, to acquire 24.99 percent of the voting shares

of Sovereign Bancorp, Inc., Philadelphia,

Pennsylvania, and thereby indirectly acquire

Sovereign Bank, Wyomissing, Pennsylvania,

and Independence Community Bank,

Brooklyn, New York, and thereby engage in

operating savings associations, pursuant to

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

BANCO SANTANDER

CENTRAL HISPANO, S.A.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Bay View Capital Corporation, San Maeto,

California, to become a bank holding company

by acquiring 100 percent of the voting shares

of Great Lakes Bancorp, Buffalo, New York

and thus, Greater Buffalo Savings Bank,

Buffalo, New York.

BAY VIEW CAPITAL

CORPORATION

Newspaper:

Federal Register:

CIC 01/14/2006

01/04/2006

Notice of Change in Bank Control pursuant to

the Change in Bank Control Act of 1978, as

amended, by Jacinto Rodrigues and Joaquina

Rodrigues, both of Warren, New Jersey, to

acquire 966,166 of the common shares of

CGD-USA Holding Company, Inc., New York,

New York, from Caixa Geral de Depositos,

Lisbon, Portugal. As a result of this

transaction, Jacinto and Joaquina Rodrigues

will own 100% of the outstanding shares of

CGD-USA.

CGD USA HOLDING

COMPANY, INC.

Newspaper:

Federal Register:

* 3A1 Not available

01/06/2006

Community Partners Bancorp, Middletown,

New Jersey, to become a bank holding

company through the acquisition of 100

percent of the voting shares of Two River

Community Bank, Middletown, New Jersey

and The Town Bank, Westfield, New Jersey,

pursuant to Section 3(a)(1) of the BHC Act.

COMMUNITY PARTNERS

BANCORP

Newspaper:

Federal Register:

4c8 Not applicable

12/12/2005

Notice by Bank Hapoalim B.M., Arison

Holdings Ltd. and Israel Salt Industries Ltd. all

of Tel Aviv, Israel to acquire Investec USA,

New York, NY and thereby engage in

nonbanking activities pursuant to Sections

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

ISRAEL SALT INDUSTRIES

LTD.

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

New York Community Bancorp, Inc. and its

wholly- owned subsidiary, New York

Community Newco, Inc., both of Westbury,

NY, to acquire 100 percent of Atlantic Bank of

New York, New York, NY, pursuant to

Sections 3(a)(3) and 3(a)(1) of the BHC Act.

NEW YORK COMMUNITY

BANCORP, INC.

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

Federal Reserve Bank of New York

Filings received during the week ending December 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 01/20/2006

TrustCo Bank Corp NY, Glenville, New York,

("TrustCo"), a savings and loan holding

company, application, under Section 3(a)(1) of

the BHC Act, to become a bank holding

company through the acquisition of Ballston

Spa Bancorp, Inc., and its subsidiary Bank,

Ballston Spa National Bank, both of Ballston

Spa, New York. TrustCo also seeks prior

approval to engage in certain nonbanking

activities through the retention of its savings

association subsidiary, Trustco Bank, pursuant

to Section 4(c)(8) of the BHC Act.

TRUSTCO BANK CORP NY

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending December 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Premises Not applicable

Orrstown Bank, Shippensburg, PA, to establish

a branch office at 201 South Cleveland

Avenue, City of Hagerstown, Washington

County, MD

ORRSTOWN BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Woodlands Bank, Williamsport, PA, to 01/13/2006

establish a branch office located at 1980 West

Fourth Street, Williamsport, PA.

WOODLANDS BANK

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 December 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 12/22/2005

branch at 6403 Branch Hill Guinea Pike,

Loveland, OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

CIC Not available

12/23/2005

Interagency Notice of Change in Bank Control

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

as attorney and agent on behalf of Mark

Dunlap to vote 58.25 shares or 55.48% of the

outstanding voting shares of New Richmond

Bancorporation, New Richmond, OH.

NEW RICHMOND

BANCORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Sky Financial Group, Bowling Green, OH to

acquire up to 9.99 percent of LNB Bancorp,

Lorain, OH

SKY FINANCIAL GROUP, INC.

* 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

846619 CORTLAND SVG & BKG CO, CORTLAND, OHIO 08/22/2005 12/04/2005 S Large Bank

723112 FIFTH THIRD BK, CINCINNATI, OHIO 07/05/2005 12/01/2005 O Large Bank

513920 MARBLEHEAD BK, MARBLEHEAD, OHIO 06/27/2005 09/06/2005 S Small Bank

150727 RICHWOOD BKG CO, RICHWOOD, OHIO 10/03/2005 12/08/2005 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 December 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank & Trust Company, Lebanon, 01/02/2006

Virginia, to establish a branch facility at 150

Peppers Ferry Road, Christiansburg, Virginia.

FIRST BANK AND TRUST

COMPANY, THE

Newspaper:

Federal Register:

* 3A5 Not available

Not available

FNB Corp., Asheboro, North Carolina, to

acquire 100% of Integrity Financial

Corporation, Hickory, North Carolina, and

thereby indirectly acquire First Gaston Bank of

North Carolina, Gastonia, North Carolina

(prior to the acquisition, Integrity Financial

Corporation's other existing banking

subsidiary, Catawba Valley Bank, Hickory,

North Carolina, would be merged with and

into First Gaston Bank of North Carolina).

FNB Corp. also proposes to acquire Integrity

Financial Corporation's nonbanking

subsidiaries, Integrity Securities, Inc., and

Community Mortgage Corporation of North

Carolina, both of Hickory, North Carolina.

FNB CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

Gateway Bank & Trust Company, Elizabeth 12/30/2005

City, North Carolina, to establish a branch

facility at 5406 North Croatan Highway,

Southern Shores, North Carolina.

GATEWAY BANK & TRUST

CO.

Newspaper:

Federal Register:

* Branch

Not applicable

Gateway Bank & Trust Company, Elizabeth 12/29/2005

City, North Carolina, to establish a branch

facility at 537-539 West 21st Street, Norfolk,

Virginia.

GATEWAY BANK & TRUST

CO.

Newspaper:

Federal Register:

* 3A1 01/18/2006

01/17/2006

Harbor Bank Group, Inc., Charleston, South

Carolina, to become a bank holding company

through the acquisition of 100% of the voting

securities of Harbor National Bank,

Charleston, South Carolina (in organization).

HARBOR BANK GROUP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Rocky Mount, North 12/27/2005

Carolina, to establish a branch located at 3155

Cobb Parkway SE, Suite 100, Atlanta, Georgia

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Rocky Mount, North 12/27/2005

Carolina, to establish a branch located at 2900

Peachtree Road NE, Suite 102, Atlanta,

Georgia

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Commerce Bank, Arlington, Virginia, 01/02/2006

to establish a branch facility to be located at

7830 Backlick Road, Springfield, Virginia.

VIRGINIA COMMERCE BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending December 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

BJC Holdings, Inc., Graceville, Florida,

after-the-fact change in control notice filed by

Thomas W. Wilder, III, Slocomb, Alabama,

and Thomas W. Wilder, IV, Marianna,

Florida, to retain 92.28 percent of the

outstanding shares of BJC Holdings, Inc.,

Graceville, Florida, and its subsidiary, Bank of

Jackson County, Graceville, Florida.

BJC HOLDINGS,INC.

Newspaper:

Federal Register:

* 3A3 01/12/2006

01/17/2006

CenterState Banks of Florida, Inc., Winter

Haven, Florida (BHC), to acquire CenterState

Bank Mid Florida, Leesburg, Florida (Bank).

Bank will be merged with and into a

wholly-owned interim banking subsidiary,

CenterState Interim Bank, Leesburg, Florida,

organized by BHC, to facilitate the acquisition.

CENTERSTATE BANKS OF

FLORIDA, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Paradise Bank, Boca Raton, Florida, to 12/27/2005

establish a branch located at 640 North Federal

Highway, Fort Lauderdale, Florida.

PARADISE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

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

establish a branch located at 2419 Cheshire

Bridge Road, NE, Atlanta, Georgia.

REGIONS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 12/24/2005

establish branches at the following locations:

149 Columbiana Drive, Columbia, South

Carolina; and 5490 Forest Drive, Columbia,

South Carolina.

REGIONS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 12/24/2005

establish a branch located at 2660 East

Commercial Boulevard, Fort Lauderdale,

Florida.

REGIONS BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

SunTrust Bank, Atlanta, Georgia, to acquire 01/21/2006

certain assets and assume certain liabilities of

11 branches of Community Bank of Florida,

Inc., Homestead, Florida. 

The branches are as follows: 2809 E. Fletcher

Avenue, Tampa, Florida; 3801 Tampa Road,

Oldsmar, Florida; 11110 Causeway, Brandon,

Florida; 8101 S. John Young Parkway,

Orlando, Florida; 11250 E. Colonial Drive,

Orlando, Florida; 4444 W. Vine Street,

Kissimmee, Florida; 2600 S.W. 19th Avenue,

Ocala, Florida; 17861 S.E. US Highway 441,

Summerfield, Florida; 3525 US Highway 27N,

Sebring, Florida; 2000 State Road 60 E., Lake

Wales, Florida; and 10550 Highway 60 Bypass

East, Bartow, Florida.

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 December 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

1st Source Bank, South Bend, Indiana, to 12/20/2005

establish a branch facility to be located at 3267

Northview Drive, Elkhart, Indiana.

1ST SOURCE BANK

Newspaper:

Federal Register:

* 3A3 Not available

Member 01/03/2006

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

100 percent of the voting shares of Corridor

State Bank (in organization), Coralville, Iowa,

and for Corridor State Bank (in organization),

Coralville, Iowa, to become a member in the

Federal Reserve System.

AJJ BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

12/27/2005

Capitol Bancorp, Ltd., Lansing, Michigan and

Capitol Development Bancorp Limited III,

Lansing, Michigan, to acquire 51 percent of

the voting shares of Community Bank of

Rowan (in organization), Salisbury, North

Carolina.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

4c8 Not applicable

01/16/2006

Iowa State Bank Holding Company, Des

Moines, Iowa, for prior approval to hold real

estate for the purpose of economic development

pursuant to Section 225.28(b)(12) of

Regulation Y.

IOWA STATE BANK

HOLDING COMPANY

Newspaper:

Federal Register:

* 4c8 Not available

* 3A3 12/19/2005

MainSource Financial Group, Inc.,

Greensburg, Indiana, to acquire 100 percent of

the voting shares of Union Community

Bancorp, Crawfordsville, Indiana, and thereby

indirectly acquire Union Federal Savings and

Loan Association, Crawfordsville, Indiana.

The Savings Association will merge into

MainSource Bank-Crawfordsville, a newly

formed Indiana state-chartered commercial

bank.

MAINSOURCE FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

01/10/2006

Notice by Jay Elliot Bell, Chicago, Illinois, to

retain control of 79.6 percent of Rochester

State Bankshares, Inc., Rochester, Illinois, and

thereby retain indirect control of Rochester

State Bank, Rochester, Illinois.

ROCHESTER STATE

BANKSHARES, 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St.Louis

Filings received during the week ending December 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 01/14/2006

01/12/2006

Boulevard Bancshares, Inc., St. Louis,

Missouri, to become a bank holding company

by acquiring 100 percent of WestBridge Bank

& Trust Company, St. Louis, Missouri (in

organization).

BOULEVARD BANCSHARES,

INC.

Newspaper:

Federal Register:

CIC 01/05/2006

01/04/2006

Notice by the Ferguson family control group, to

retain control of DBT Financial Corporation,

DeWitt, Arkansas. The control group consists

of Carolyn Ferguson Pryor, Jackson,

Mississippi, Nancy Ferguson Rasco, Hot

Springs, Arkansas, Rebecca Ferguson

Ehrlicher, Memphis, Tennessee, the Carolyn

Ferguson Prior Trust (Carolyn Ferguson Pryor

and DeWitt Bank & Trust, DeWitt, Arkansas,

as co-trustees), the Nancy Ferguson Rasco

Trust (Nancy Ferguson Rasco and DeWitt

Bank & Trust as co-trustees), the Rebecca

Ferguson Ehrlicher Trust (Rebecca Ferguson

Ehrlicher and DeWitt Bank & Trust as

co-trustees), the Charles W. Rasco III Marital

Trust, (DeWitt Bank & Trust as trustee), and

the Elmer Ferguson Farms, Inc., DeWitt,

Arkansas.

DBT FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A3 01/17/2006

01/20/2006

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:

* 3A5 12/26/2005

01/05/2006

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

Trubank Securities Trust, Clayton, Missouri,

and Truman Bancorp, Inc., Clayton, Missouri,

to acquire 100 percent of FFC Financial

Corporation, St. Louis, Missouri, and thereby

indirectly acquire Keystone Bank, Northwoods,

Missouri.

TEMPLAR FUND, INC., THE

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

Federal Reserve Bank of St.Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending December 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/06/2006

Beulah Bancorporation, Inc., Sioux Falls,

South Dakota to acquire 100 percent of Valley

Bank & Trust, Mapleton, Iowa.

BEULAH BANCORPORATION,

INC.

Newspaper:

Federal Register:

* 3A1 Not available

01/20/2006

BlackRidge Financial, Inc., Fargo, North

Dakota, to become a bank holding company by

acquiring 100 percent of Valley Bancshares,

Inc., Nisswa, Minnesota, thereby indirectly

aquiring Lakewood Bank N.A., Baxter,

Minnesota. Also, to retain its indirect 17.11

percent ownership in Union Bancshares, Inc.,

Fargo, North Dakota, which owns Union State

Bank of Fargo, Fargo, North Dakota.

BlackRidge Financial, Inc.

Newspaper:

Federal Register:

* 3A3 01/11/2006

01/06/2006

Fishback Financial Corporation, Brookings,

South Dakota, to acquire 100 percent of the

outstanding stock of FMB Bankshares, Inc.,

Sioux Falls, South Dakota, and thereby

indirectly acquire First American Bank &

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

FISHBACK FINANCIAL

CORPORATION

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending December 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Chickasha Bancshares, Inc., proposes to

indirectly engage in mortgage loan activities

through its subsidiaries, Chickasha Bank &

Trust Company, and Washita Mortgage, Inc.,

all in Chickasha, Oklahoma, through the

formation of Washita Mortgage Solutions,

LLC, Lawton, Oklahoma. Commerce Bancorp,

Inc., proposes to indirectly engage in mortgage

loan activities through its subsidiary, Bank of

Commerce, both in Duncan, Oklahoma,

through the formation of Washita Mortgage

Solutions, LLC, Lawton, Oklahoma.

CHICKASHA BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A1 01/13/2006

01/17/2006

Pawhuska Financial Corp. to become a bank

holding company through the acquisition of

100 percent of the voting shares of First

National Bank of Pawhuska, both in

Pawhuska, Oklahoma.

PAWHUSKA FINANCIAL

CORP.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Tonganoxie Bankshares, Inc., Tonganoxie,

Kansas, to acquire 53 percent of the voting

shares of Overbrook Bankshares, Inc., parent

of First Security Bank, both in Overbrook,

Kansas.

TONGANOXIE BANKSHARES,

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

499453 FIRST ST BK, LINCOLN, NEBRASKA 08/29/2005 11/28/2005 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 December 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

946461 FIRST BK, MULESHOE, TEXAS 10/03/2005 12/19/2005 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 December 24, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Hawaii, Honolulu, Hawaii, to establish 12/22/2005

a branch facility to be located at 94-673

Kupuohi Street, Waipahu, Hawaii.

BANK OF HAWAII

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of the Federated States of Micronesia,

Kolonia, Pohnpei, Federated States of

Micronesia, to establish a limited service

non-insured branch in Honolulu, Hawaii,

pursuant to section 7(d)of the International

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

Regulation K.

BANK OF THE FEDERATED

STATES OF MICRONESIA

Newspaper:

Federal Register:

* 3A1 Not available

12/22/2005

Oregon Coast Bancshares, Inc., Newport,

Oregon, to become a bank holding company by

acquiring 100 percent of Oregon Coast Bank,

Newport, Oregon.

OREGON COAST

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Temecula Valley Bank, Temecula, California, 12/20/2005

to establish a branch facility to be located at

985 Lomas Santa Fe Drive, Solana Beach,

California.

TEMECULA VALLEY BANK

Newspaper:

Federal Register:

* 3A3 01/14/2006

01/17/2006

Wells Fargo & Company, San Francisco,

California, to acquire 100 percent of Martinius

Corporation, and thereby indirectly acquire its

wholly-owned subsidiary, State Bank of

Rogers, both of Rogers, Minnesota.

WELLS FARGO & COMPANY

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

1864197 OAK VALLEY CMNTY BK, OAKDALE, CALIFORNIA 08/15/2005 12/19/2005 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act