Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 33

Week Ending August 19, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions August 13, 2006 to August 19, 2006

Enforcement

Consolidated Bank and Trust Company, Richmond, Virginia -- written agreement 

dated September 5, 2000, terminated July 26, 2006.

- Announced, August 15, 2006 

Regulations And Policies

Regulation D (Reserve Requirements of Depository Institutions) -- publication for 

comment of revisions to an interpretation of Regulation D setting forth criteria for 

the "bankers' bank" exemption from reserve requirements (Docket No. R-1262).

- Approved, July 27, 2006 (AC)

(AC) = Addition or Correction Board - Page 1 of 1
August 13, 2006 to August 19, 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

1st Financial Bank, Overland Park, Kansas -- to establish a branch at 19310 

Midland Drive, Shawnee.

- Approved, August 18, 2006 

Kansas City

Banco Popular North America, New York, New York -- to establish a branch at 

9600 West Bryn Mawr, Rosemont, Illinois.

- Approved, August 15, 2006 

New York

Dacotah Bank, Aberdeen, South Dakota -- to establish a branch at 35 South Sixth 

Street, Custer.

- Approved, August 15, 2006 

Minneapolis

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2250 66th 

Street North, St. Petersburg, Florida.

- Approved, August 15, 2006 

Cleveland

Hanmi Bank, Los Angeles, California -- to establish a branch at 5245 Beach 

Boulevard, Buena Park.

- Approved, August 14, 2006 

San Francisco

Hanmi Bank, Los Angeles, California -- to establish a branch at 18399 East Colima 

Road, Rowland Heights.

- Approved, August 18, 2006 

San Francisco

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish a branch at 

18157 Carson Street, Elk River, Minnesota.

- Approved, August 16, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority August 13, 2006 to August 19, 2006

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 15225 Collier 

Boulevard, Naples, Florida.

- Approved, August 17, 2006 

Secretary

Union Colony Bank, Greeley, Colorado -- to establish a branch at 2205 1st Avenue.

- Withdrawn, August 17, 2006 

Kansas City

Bank Holding Companies

Bryan-Heritage Limited Partnership, Bryan, Texas, and Bryan Family Management 

Trust -- to acquire additional shares of The First National Bank of Bryan, for a total 

ownership interest of 38.8 percent.

- Approved, August 14, 2006 

Secretary

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

Francisco, California -- to acquire TeamCo, Inc., Oak Lawn, Illinois, and Oak Lawn 

Bank; and for First Bank, St. Louis, Missouri, to merge with Oak Lawn Bank and 

thereby establish branches.

- Approved, August 16, 2006 

St. Louis

Florida Gulf Bancorp, Inc., Fort Myers, Florida -- to become a bank holding 

company and to acquire Florida Gulf Bank.

- Approved, August 18, 2006 

Atlanta

Georgia Commerce Bancshares, Inc., Atlanta, Georgia -- relief from a commitment.

- Granted, August 18, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority August 13, 2006 to August 19, 2006

Bank Holding Companies

HSBC Holdings plc, London, United Kingdom; HSBC Overseas Holdings (UK) 

Limited; 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 -- to acquire 

a full-service bank by establishing HSBC National Bank USA, Bethesda, Maryland.

- Approved, August 18, 2006 

New York

Kookmin Bank, Seoul, Korea -- to acquire an interest in Korea Exchange Bank and 

thereby engage in its U.S. nonbanking activities.

- Approved, August 15, 2006 

New York

Minnesota Bancshares, Inc., Maple Grove, Minnesota -- to become a bank holding 

company and to acquire Heron Lake State Bank, Heron Lake, and Heron Lake 

Agency, Inc., and thereby engage in insurance agency activities in a town with a 

population not exceeding 5,000.

- Approved, August 18, 2006 

Minneapolis

Pedcor Capital, LLC, Carmel, Indiana -- to become a bank holding company and to 

acquire Pedcor Bancorp and thereby acquire International City Bank, N.A., Long 

Beach, California; and election to become a financial holding company.

- Approved, August 18, 2006 

Chicago

Pinnacle Bank Holding Company, Inc., Orange City, Florida -- to become a bank 

holding company and to acquire Pinnacle Bank.

- Approved, August 18, 2006 

Atlanta

Republic Bancorp, Inc., Louisville, Kentucky -- to acquire GulfStream Community 

Bank, Port Richey, Florida, and thereby engage in operating a savings association.

- Approved, August 14, 2006 

Secretary

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority August 13, 2006 to August 19, 2006

Bank Holding Companies

Superior Bancorp, Birmingham, Alabama -- waiver of application for the merger 

and acquisition of Kensington Bankshares, Inc., Tampa, Florida, and First 

Kensington Bank in connection with the merger of First Kensington Bank and 

Superior Bancorp's thrift subsidiary, Superior Bank, Birmingham, Alabama.

- Granted, August 18, 2006 

Atlanta

Banks, Foreign

The International Commercial Bank of China Co., Ltd., Taipei, Taiwan -- to 

establish branches in Los Angeles, California, San Jose, and New York, New York.

- Approved, August 18, 2006 

Director, BS&R

Taiwan Cooperative Bank, Taipei, Taiwan -- to establish branches in Los Angeles, 

California, and Seattle, Washington.

- Approved, August 15, 2006 

Director, BS&R

Banks, State Member

Farmers and Merchants Bank of Long Beach, Long Beach, California -- request for 

an exemption under the Depository Institution Management Interlocks Act and 

Regulation L.

- Granted, August 14, 2006 

General Counsel

Competitive Factors Reports

Bank of Kansas City, National Association, Overland Park, Kansas -- report on 

competitive factors of the proposed merger with State Bank of Colony, Colony.

- Submitted, August 14, 2006 

Kansas City

The Farmers Bank, Portland, Tennessee -- report on competitive factors of the 

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

Westmoreland branch of Peoples State Bank of Commerce, Nolensville.

- Submitted, August 14, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority August 13, 2006 to August 19, 2006

Competitive Factors Reports

First Bank of West Texas, Coahoma, Texas -- report on competitive factors of the 

proposed acquisition of the South Scurry Street, Big Spring branch of Western 

National Bank.

- Submitted, August 16, 2006 

Dallas

The First National Bank of Morgan, Morgan, Utah -- report on competitive factors 

of the proposed merger with New First National Bank of Morgan.

- Submitted, August 16, 2006 

Minneapolis

Graystone Bank, Lancaster, Pennsylvania -- report on competitive factors of the 

proposed merger with Graystone Interim Bank.

- Submitted, August 16, 2006 

Philadelphia

Peoples State Bank of Commerce, Nolensville, Tennessee -- report on competitive 

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

liabilities of the Hartsville, Westmoreland, Spring City, South Pittsburg, Whitewell, 

and Jasper branches of AmSouth Bank, Birmingham, Alabama.

- Submitted, August 14, 2006 

Atlanta

Extensions Of Time

Compass Bank, Birmingham, Alabama -- extension to August 30, 2007, to establish 

a branch at 2780 West Peoria Avenue, Phoenix, Arizona.

- Granted, August 15, 2006 

Atlanta

First Commercial Bank of Florida, Orlando, Florida -- extension to August 19, 

2007, to establish a branch at 10222 East Colonial Drive.

- Granted, August 16, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority August 13, 2006 to August 19, 2006

Extensions Of Time

Potomac Bank of Virginia, Fairfax, Virginia -- extension to April 5, 2007, to 

establish a branch at Land Unit 2 Riverside Parkway, Loudoun County.

- Granted, August 17, 2006 

Richmond

Sky Financial Group, Inc., Bowling Green, Ohio -- extension to November 16, 

2006, to acquire Waterfield Mortgage Company, Inc., Fort Wayne, Indiana, and its 

thrift subsidiary, Union Federal Bank of Indianapolis, Indianapolis.

- Granted, August 16, 2006 

Cleveland

Financial Holding Companies

Vineyard National Bancorp, Corona, California -- election to become a financial 

holding company.

- Effective, August 18, 2006 

San Francisco

International Operations

SunTrust Banks, Inc., Atlanta, Georgia; SunTrust Bank, SunTrust International 

Banking Company, and SunTrust Asia, Ltd., Hong Kong -- relief from a 

commitment.

- Granted, August 15, 2006 

Director, BS&R

Membership

Bank of Mountain View, Mountain View, Arkansas -- to become a member of the 

Federal Reserve System.

- Approved, August 15, 2006 

St. Louis

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

Federal Reserve Bank of Boston

Filings received during the week ending August 19, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Hampden Bancorp, Inc., Springfield,

Massachusetts to acquire 100% of the

outstanding capital stock of Hampden Bank,

Springfield, Massachusetts pursuant to section

3(a)(1) of the BHC Act in connection with the

reorganization of Hampden Bancorp, MHC,

Springfield, Massachusetts from mutual to

stock form.

HAMPDEN BANCORP, MHC

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Mayflower Bancorp, Inc., Middleboro, MA -

section 3(a)(1) expedited notice to acquire

Mayflower Co-operative Bank, Middleboro,

MA.

MAYFLOWER BANCORP, INC

Newspaper:

Federal Register:

* 3A3 Not available

08/04/2006

Meridian Financial Sevices, Inc. and its

wholly-owned subsidiary, Meridian Interstate

Bancorp, Inc., both of East Boston,

Massachusetts, to acquire up to 40% of

Hampshire First Bank, Manchester, New

Hampshire (in formation) pursuant to section

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

Meridian Financial Sevices, Inc. and its

wholly-owned subsidiary, Meridian Interstate

Bancorp, Inc., both of East Boston,

Massachusetts, to acquire up to 40% of

Hampshire First Bank, Manchester, New

Hampshire (in formation) pursuant to section

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

MERIDIAN FINANCIAL

SERVICES, INC

Newspaper:

Federal Register:

* 3A5 Not available

* 3A3 09/07/2006

Application by Webster Financial Corporation,

Waterbury, Connecticut to acquire NewMil

Bancorp, Inc. and its subsidiary bank, NewMil

Bank, both of New Milford, Connecticut,

pursuant to sections 3(a)(3) and 3(a)(5) of the

Bank Holding Company Act of 1956, as

amended.

WEBSTER FINANCIAL

CORPORATION

* 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 August 19, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/25/2006

Banco Bilbao Vizcaya Argentaria, S.A.,

Bilbao, Spain, proposes to acquire Texas

Regional Bancshares, Inc., McAllen, Texas;

Texas Regional Delaware, Inc., Wilmington,

Delaware; and thereby indirectly acquire Texas

State Bank, McAllen, Texas, pursuant to

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

Act of 1956, as amended.

BANCO BILBAO VIZCAYA

ARGENTARIA, S.A.

Newspaper:

Federal Register:

* 3A3 Not available

08/25/2006

Banco Bilbao Vizcaya Argentaria, S.A.,

Bilbao, Spain, proposes to acquire State

National Bancshares, Inc., Fort Worth, Texas;

State National Bancshares of Delaware, Inc.,

Dover, Delaware; and thereby indirectly

acquire State National Bank, Fort Worth,

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

Holding Company Act of 1956, as amended.

BANCO BILBAO VIZCAYA

ARGENTARIA, S.A.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

The Bank of New York, New York, New York

and BNY International Financing Corporation

pursuant to Section 211.9(f) of Regulation K,

providing 30 days prior notice to the Board of

governors of the Federal Reserve System to

acquire from JPMorgan Chase & Co., New

York, New York it?s global corporate trust

business.

BANK OF NEW YORK

COMPANY, INC., THE

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Smithtown, Smithtown, New York 09/08/2006

request approval to open a branch located at

1830 Route 112, Coram, Town of Brookhaven,

Suffolk County, New York, New York. (RSSD

#3388213)

BANK OF SMITHTOWN

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Export-Import Bank of Ukraine ("EXIM

Bank")Kiev, Ukraine, to establish a

representative office in New York, New York,

pursuant to Section 10(a) of the International

Banking Act of 1978, as amended, and Section

211.24(a)(1) of Regulation K.

STATE EXPORT-IMPORT

BANK OF UKRAINE, INC.

* 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 August 19, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 August 19, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI intent to 08/22/2006

establish a branch at 7595 Vanderbilt Beach

Road, Naples, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI intent to 08/22/2006

establish a branch at 18120 Tamiami Trail,

Northport, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 4c8

4c8

09/04/2006

09/07/2006

National City Corporation, Cleveland, Ohio to

acquire Fidelity Bankshares, Inc. and Fidelity

Federal Bank & Trust, and therby indirectly

acquire Fidelity Realty & Appraisal Services,

Inc. all of West Palm Beach, Florida and

engage in real estate appraisal services and

operating a savings association pursuant to

sections 225.28(b)(2)(i) and (b)(4)(ii)of Reg Y.

National City Corporation, Cleveland, Ohio to

acquire Fidelity Bankshares, Inc. and Fidelity

Federal Bank & Trust, and therby indirectly

acquire Fidelity Realty & Appraisal Services,

Inc. all of West Palm Beach, Florida and

engage in real estate appraisal services and

operating a savings association pursuant to

sections 225.28(b)(2)(i) and (b)(4)(ii)of Reg Y.

NATIONAL CITY

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Perpetual Savings Bank, Wellsville, Ohio, to

merge with Sky Bank, Salineville, Ohio, and

incident thereo, establish branches pursuant to

Section 9 of the Federal Reserve Act

PERPETUAL SAVINGS BANK

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Sky Financial Group, Inc., Bowling Green,

Ohio, proposes to acquire 100 percent of Wells

River Bancorp, Inc., Wellsville, Ohio, and

thereby indirectly acquire Perpetual Savings

Bank, Wellsville, Ohio.

SKY FINANCIAL GROUP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

09/14/2006

SV Bancorp, Inc., Wyoming, Ohio, to become

a bank holding company by acquiring 100

percent of the voting shares of Spring Valley

Bank, Wyoming, Ohio

SV BANCORP, INC.

Newspaper:

Federal Register:

CIC 08/30/2006

09/05/2006

Union Bank and Trust Company, Lincoln, NB

and Thomas Milton Hasse, Lincoln, NB as

trustees of the Barbara Dunlap Yaltaghian

Trust intend to acquire up to 44.520 percent of

the outstanding voting shares of New

Richmond Bancorporation, New Richmond,

OH.

Union Bank and Trust Company, Lincoln, NB

and Thomas Milton Hasse, Lincoln, NB as

trustees of the Barbara Dunlap Yaltaghian

Trust intend to acquire up to 44.520 percent of

the outstanding voting shares of New

Richmond Bancorporation, New Richmond,

OH.

UNION BANK AND TRUST

COMPANY

* 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 August 19, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Benchmark Community Bank, Kenbridge,

Virginia, to increase its investment in bank

premises in the amount of $500,000.

BENCHMARK COMMUNITY

BANK

Newspaper:

Federal Register:

CIC 09/10/2006

08/11/2006

Notice by Richard Jarrell, Freda Jarrell, Carl

Jarrell, Robert Jarrell, and Robin Jarrell as a

group acting in concert to retain control of

25.04% of the voting shares of Big Coal River

Bancorp, Whitesville, West Virginia.

BIG COAL RIVER BANCORP,

INC.

Newspaper:

Federal Register:

CIC 09/10/2006

08/23/2006

Notice by Robert Milam, Jr. to individually

retain control of 17.61% of the voting shares of

Big Coal River Bancorp, Inc., Whitesville,

West Virginia. Additionally, Robert Milam,

Jr., Robert Milam, Melissa Milam, Jada

Milam, Kevin Milam, Lloyd Jarrell, and other

members of the Milam family, as a group

acting in concert, to retain control of 18.46%

of the voting shares of Big Coal River

Bancorp, Inc., Whitesville, West Virginia.

BIG COAL RIVER BANCORP,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

CapitalBank, Greenwood, South Carolina, 08/28/2006

proposes to establish a branch at the

intersection of SC Highway 14 and

Westmoreland Drive, Greer, South Carolina.

CAPITALBANK

* 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 August 19, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Bank of North Florida, Jacksonville, Florida,

(in organization) to beceome a member of the

Federal Rserve System.

BANK OF NORTH FLORIDA

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

First Commerce Bancorp, Inc., notice to

become a bank holding company by acquiring

100 percent of the outstanding shares of First

Commerce Bank, both of Lewisburg,

Tennessee.

FIRST COMMERCE BANCORP,

INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Regions Bank, Birmingham, Alabama, to 09/15/2006

merge with AmSouth Bank, Birmingham,

Alabama.

REGIONS BANK

Newspaper:

Federal Register:

* 3A5 09/15/2006

09/14/2006

Regions Financial Corporation, Birmingham,

Alabama, to merge with AmSouth

Bancorporation, and thereby acquire its

subsidiary, AmSouth Bank, both of

Birmingham, Alabama.

REGIONS FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Sun American Bank, Boca Raton, Florida, to

acquire certain assets and assume certain

liabilities of Beach Bank, North Miami Beach,

Florida.

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 August 19, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/21/2006

Expeditious Action - Anita Bancorporation,

Atlantic, Iowa, to acquire 100 percent of the

voting shares of The First National Bank of

Brewster, Brewster, Minnesota.

ANITA BANCORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

09/14/2006

Capitol Bancorp Limited, Lansing, Michigan,

and Capitol Development Bancorp Limited V,

Lansing, Michigan, to acquire 51 percent of

the voting shares of 1st Commerce Bank (in

organization), North Las Vegas, Nevada.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 08/17/2006

two branch facilities to be located at 6255 W.

Sunset Blvd., Los Angeles, California and

19150 Preston Road, Dallas, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 08/25/2006

a branch facility to be located at 1000 Aviara

Parkway, Carlsbad, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at Woodlands

Crossing Shopping Center, Woodlands

Parkway near Kuykendahl Road, Spring,

Montgomery County, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Midwest Bank, Itasca, Illinois, to 08/16/2006

establish a branch facility to be located at

16051 Weber Road, Crest Hill, Illinois.

FIRST MIDWEST BANK

Newspaper:

Federal Register:

* 3A1 Not available

09/15/2006

Lincoln Bancorp, Plainfield, Indiana, to

become a bank holding company upon the

conversion of Lincoln Bank, Plainfield,

Indiana, from a federal savings bank to a state

chartered commercial bank.

LINCOLN BANCORP

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Marquette Bank, Chicago, Illinois, to merge

with Hemlock Federal Bank for Savings, Oak

Forest, Illinois, and thereby to establish 6

branches.

MARQUETTE BANK

Newspaper:

Federal Register:

* 3A3 Not available

Member

* 18C

09/05/2006

Ogden Bancshares, Inc., Ames, Iowa, to

acquire 100 percent of VisionBank (in

organization), West Des Moines, Iowa;

VisionBank (in organization), West Des

Moines, Iowa, to become a member of the

Federal Reserve System; and VisionBank (in

organization), West Des Moines, Iowa, to

purchase the assets and assume the liabilities

of the Grimes, Iowa and the West Des Moines,

Iowa branches of Community Bank of Boone,

Boone, Iowa.

OGDEN BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

09/14/2006

The ShoreBank Corporation, Chicago, Illinois,

to acquire 100 percent of the voting shares of

Greater Chicago Bank, Bellwood, Illinois.

SHOREBANK CORPORATION,

THE

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

UnionBank, Streator, Illinois, to merge with 08/28/2006

Centrue Bank, Kankakee, Illinois, and thereby

to establish 20 branches.

UNIONBANK

* 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

1003549 FIRST ST BK, MANCHESTER, IOWA 05/01/2006 08/17/2006 S Small Bank

247140 OREGON CMNTY B&TC, OREGON, WISCONSIN 05/22/2006 08/16/2006 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 August 19, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Dearmin Investment Holdings

Business, L.P., Odon, Indiana, to gain control

of Dearmin Bancorp, Inc., Odon, Indiana.

DEARMIN BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Lori and Craig Glattly, both of Lake

Forest, Illinois, to gain control of Texico

Bancshares Corporation, Texico, Illinois.

TEXICO BANCSHARES

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 August 19, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/21/2006

08/18/2006

Jon W. Neumann, Hawley, Minnesota, to gain

control of First Hawley Bancshares, Inc.,

Hawley, Minnesota, and thereby indirectly gain

control of First National Bank, Hawley,

Minnesota.

FIRST HAWLEY

BANCSHARES, INC.

* 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 August 19, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

American Heritage Bank, Sapulpa, Oklahoma, 08/31/2006

to establish a branch in the 200 block of South

Adams Road, (specific street address to be

assigned by the city) Alliance Business Park,

Sand Springs, Oklahoma.

AMERICAN HERITAGE BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by the Helen D. Roberts Trust for Bruce

Lauritzen, and by Elizabeth D. Lauritzen as

individual trustee, to acquire control of Cypress

Corporation, all of Omaha, Nebraska, parent of

Sibley State Bank, Sibley, Iowa.

CYPRESS CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

08/24/2006

FirsTier II Bancorp., to acquire 100 percent of

the voting shares of FirsTier Bancorp I, both in

Cheyenne, Wyoming, parent of FirsTier Bank,

Wyoming, Upton, Wyoming.

FIRSTIER II BANCORP.

Newspaper:

Federal Register:

* Branch

Premises Not applicable

Kearney Commercial Bank, Kearney, 08/16/2006

Missouri, to establish a branch at 930 West

Liberty Drive, Liberty, Missouri, and to

increase its investment in bank premises in the

amount of $137,704.

KEARNEY COMMERCIAL

BANK

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 19, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/15/2006

Industry Bancshares, Inc., Industry, Texas, and

Industry Holdings, Inc., Wilmington,

Delaware, to acquire 100 percent of

Community Bancorporation, Inc., Bellville,

Texas, and indirectly acquire Bellville

Holdings, Inc., Wilmington, Delaware, and

First National Bank of Bellville, Bellville,

Texas.

INDUSTRY BANCSHARES,

INC.

* 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 August 19, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/29/2006

09/01/2006

Notice by Brett D. Barker Bank Stock Fund,

Devere E. Barker Bank Stock Fund, and

Jeffrey Barker Bank Stock Fund, Sparks,

Nevada, to acquire up to 15.2 percent of The

Bank Holdings and thereby indirectly acquire

Nevada Security Bank, both of Reno, Nevada.

BANK HOLDINGS, THE

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

1)The BANKshares, Inc., Rancho Santa Fe,

California, to become a bank holding company

by acquiring 100 percent of the THE

BANKshares, Inc., and thereby indirectly

acquire The Bank Brevard, both of Melbourne,

Florida; and, 2)Castle Creek Capital Partners

III, L.P., Castle Creek Capital III LLC,

Eggemeyer Capital LLC, Ruh Capital LLC,

Legions IV Advisory Corp, all of Rancho Santa

Fe, California, to acquire 91 percent of THE

BANKshares, Inc., and thereby indirectly

acquire The Bank Brevard, both of Melbourne,

Florida.

CASTLE CREEK CAPITAL

PARTNERS III, L.P.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Cathay Financial Holding Co., Ltd., and

Cathay Life Insurance Co., Ltd., to acquire up

to 9.99 percent of First Financial Holding Co.,

Ltd., and Chinatrust Financial Holding Co.,

Ltd., all of Taipei, Taiwan.

CATHAY FINANCIAL

HOLDING CO., LTD.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Community Bank of Nevada to merge with

Valley Bank, both of Las Vegas, Nevada, and

thereby acquire five branch ofices of Valley

Bank, all located in Nevada.

COMMUNITY BANK OF

NEVADA

Newspaper:

Federal Register:

* 3A1 Not available

09/07/2006

The Industrial Bank of Taiwan Co., Ltd.,

Taipei, Taiwan, and IBT Holdings Corp.,

Cerritos, California, to become bank holding

companies by acquiring 100 percent of

EverTrust Bank, City of Industry, California.

INDUSTRIAL BANK OF

TAIWAN CO., LTD., THE

* 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