Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 20

Week Ending May 20, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions May 14, 2006 to May 20, 2006

Testimony And Statements

The Role of Hedge Funds in the Capital Market -- statement by Patrick M. 

Parkinson, Deputy Director, Division of Research and Statistics, before the 

Subcommittee on Securities and Investment of the Senate Committee on Banking, 

Housing, and Urban Affairs.

- Published, May 16, 2006 

Bank Branches, Domestic

First Option Bank, Osawatomie, Kansas -- commenter's request for reconsideration 

of the approval by the Federal Reserve Bank of Kansas City of the application to 

establish a branch in Spring Hill and request for a public hearing on the Spring Hill 

branch application.

- Denied, May 15, 2006 

Enforcement

Gulf Bank, Miami, Florida -- issuance of an order of prohibition against Yolanda 

Salido, a former institution-affiliated party.

- Announced, May 19, 2006 

Texas State Bank, McAllen, Texas -- written agreement with the Federal Reserve 

Bank of Dallas and the Texas Department of Banking.

- Announced, May 19, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
May 14, 2006 to May 20, 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

Chemical Bank, Midland, Michigan -- to establish a branch at 12368 Riley Street, 

Holland.

- Approved, May 16, 2006 

Chicago

Comerica Bank, Detroit, Michigan -- to establish a branch at 3110 Crow Canyon 

Place, San Ramon, California.

- Approved, May 18, 2006 

Secretary

The Connecticut Bank & Trust Company, Hartford, Connecticut -- to establish a de 

novo branch in Newington.

- Approved, May 18, 2006 

Boston

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 1029 Washington 

Pike, Bridgeville, Pennsylvania.

- Approved, May 15, 2006 

Cleveland

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 3964 Fulton Drive, 

Northwest, Canton.

- Approved, May 19, 2006 

Cleveland

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 790 Gardner Road, 

Springboro.

- Approved, May 19, 2006 

Cleveland

First Florida Bank, Naples, Florida -- to establish a branch at 101 Center Road, 

Venice.

- Approved, May 19, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 8
H.2 Actions under delegated authority May 14, 2006 to May 20, 2006

Bank Branches, Domestic

First State Bank of St. Robert, Saint Robert, Missouri -- to establish a branch at 

2365 North Highway 17, Iberia.

- Approved, May 15, 2006 

St. Louis

First State Bank, Wheatland, Wyoming -- to establish a branch at 250 West Whalen, 

Guernsey; and to increase its investment in bank premises.

- Approved, May 15, 2006 

Kansas City

Home Valley Bank, Cave Junction, Oregon -- to establish a branch at 5080 

Monument Drive, Grants Pass.

- Approved, May 17, 2006 

San Francisco

Independent Bank of Texas, Irving, Texas -- to establish a courier service branch to 

conduct business in Collin and Denton counties.

- Approved, May 15, 2006 

Dallas

Lake City Bank, Warsaw, Indiana -- to establish a branch at Tract 1 and Tract 2 in 

the Plat of West Jefferson Market Square, West Jefferson Boulevard, Fort Wayne.

- Approved, May 18, 2006 

Secretary

The Park Avenue Bank, Valdosta, Georgia -- to establish a branch at 1081 Parkway 

Place, Watkinsville.

- Approved, May 19, 2006 

Atlanta

Peapack-Gladstone Bank, Gladstone, New Jersey -- to establish a branch at 15 

Mountain View Road, Warren.

- Approved, May 17, 2006 

New York

(AC) = Addition or Correction Delegated - Page 2 of 8
H.2 Actions under delegated authority May 14, 2006 to May 20, 2006

Bank Branches, Domestic

Rockford Bank and Trust Company, Rockford, Illinois -- to establish a temporary 

branch at 1133 Quail Court, Suite 100, Pewaukee, Wisconsin, and subsequently to 

establish a permanent branch at 1215 Georgetowne Drive.

- Approved, May 15, 2006 

Chicago

Sun American Bank, Miami, Florida -- to retain the branch at 2000 PGA Boulevard, 

Building E, Palm Beach Gardens.

- Approved, May 18, 2006 

Atlanta

Bank Holding Companies

Birmingham Bloomfield Bancshares, Inc., Birmingham, Michigan -- to become a 

bank holding company and to acquire Bank of Birmingham, a de novo bank.

- Approved, May 17, 2006 

Chicago

Chicopee Bancorp, Inc., Chicopee, Massachusetts -- to become a bank holding 

company and to acquire Chicopee Savings Bank on its conversion from a mutual to 

a stock structure.

- Approved, May 16, 2006 

Boston

Community Bank Shares of Indiana, Inc., New Albany, Indiana -- to acquire The 

Bancshares, Inc., Scottsburg, and thereby acquire The Scott County State Bank; and 

for CBIN Subsidiary, Inc., New Albany, to become a bank holding company and to 

acquire The Bancshares, Inc., Scottsburg, and The Scott County State Bank.

- Approved, May 15, 2006 

St. Louis

ES Bancshares, Inc., Newburgh, New York -- to become a bank holding company 

and to acquire Empire State Bank, National Association.

- Approved, May 18, 2006 

New York

(AC) = Addition or Correction Delegated - Page 3 of 8
H.2 Actions under delegated authority May 14, 2006 to May 20, 2006

Bank Holding Companies

The Farmers State Bank of Fort Morgan Colorado Employee Stock Ownership 

Plan, Fort Morgan, Colorado -- to acquire up to 38 percent of the shares of F.S.B. 

Bancorporation of Fort Morgan, Colorado, parent of Framers State Bank of Fort 

Morgan.

- Approved, May 17, 2006 

Kansas City

FEB Bancshares, Inc., Louisville, Alabama -- to become a bank holding company 

and to acquire Farmers Exchange Bank.

- Approved, May 18, 2006 

Atlanta

First Horizon National Corporation, Memphis, Tennessee -- to acquire The State 

Bank, Rocky Ford, Colorado.

- Approved, May 18, 2006 

St. Louis

First Suffield Financial, Inc., Suffield, Connecticut -- to become a bank holding 

company and to acquire The First National Bank of Suffield.

- Approved, May 18, 2006 

Boston

JAG Financial, Inc., Saint Paul, Minnesota -- to become a bank holding company 

and to acquire The EastBank Corporation, Minneapolis, and thereby acquire 

EastBank.

- Approved, May 19, 2006 

Minneapolis

Mid-Missouri Bancshares, Inc., Springfield, Missouri -- waiver of application to 

merge with Central States Bancshares, Inc. and First Financial Bancshares, Inc. and 

to merge its subsidiary, Webb City Bank, Webb City, with Mid-Missouri Bank, 

Springfield; and for Mid-Missouri Bank to purchase the assets and assume the 

liabilities of First National Bank of Mt. Vernon, Mt. Vernon, after its merger with 

First National Bank of Goodland, Goodland, Kansas.

- Returned, May 18, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 4 of 8
H.2 Actions under delegated authority May 14, 2006 to May 20, 2006

Bank Holding Companies

Monarch Community Bancorp, Inc., Coldwater, Michigan -- to become a bank 

holding company and to acquire Monarch Community Bank.

- Approved, May 18, 2006 

Chicago

Riverside Central Florida Banking Company, Winter Park, Florida -- commitment 

relief request.

- Withdrawn, May 16, 2006 

Atlanta

Rock River Bancorporation, Inc., Oregon, Illinois, and Legacy Integrity Group, 

Inc., Scottsdale, Arizona -- to acquire 51 percent of the shares of Berry-Shino 

Securities, Inc. and thereby engage in financial and advisory activities, securities 

brokerage, and private placement services.

- Approved, May 17, 2006 

Chicago

S & T Bancorp, Inc., Indiana, Pennsylvania -- to acquire up to 24.99 percent of the 

shares of Allegheny Valley Bancorp, Inc., Pittsburgh.

- Approved, May 17, 2006 

Cleveland

Skagit State Bancorp, Burlington, Washington -- to become a bank holding 

company and to acquire Skagit State Bank.

- Approved, May 15, 2006 

San Francisco

Triumph Bancshares, Inc., Germantown, Tennessee -- to become a bank holding 

company and to acquire Triumph Bank, a de novo bank.

- Approved, May 18, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 5 of 8
H.2 Actions under delegated authority May 14, 2006 to May 20, 2006

Bank Mergers

Sky Financial Group, Inc., Bowling Green, Ohio -- to acquire Waterfield Mortgage 

Company, Inc., Fort Wayne, Indiana, and Union Federal Bank of Indianapolis, 

Indianapolis.

- Approved, May 16, 2006 

Cleveland

Bank Premises

Farmers Bank and Trust Company, Blytheville, Arkansas -- to make an additional 

investment in bank premises.

- Approved, May 15, 2006 

St. Louis

Change In Bank Control

Coushatta Bancshares, Inc., Coushatta, Louisiana -- to retain control of Coushatta 

Bancshares, Inc.

- Permitted, May 16, 2006 

Dallas

Competitive Factors Reports

Bank of North Carolina, Thomasville, North Carolina -- report on competitive 

factors of the proposed merger with SterlingBank & Trust Company, Greensboro.

- Submitted, May 18, 2006 

Richmond

Cadence Bank, N.A., Starkville, Mississippi -- report on competitive factors of the 

proposed merger with SunCoast Bank, Sarasota, Florida. 

- Submitted, May 17, 2006 

Atlanta

Harris National Association, Chicago, Illinois -- report on competitive factors of the 

proposed merger with Mercantile National Bank of Indiana, Hammond, Indiana.

- Submitted, May 15, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 6 of 8
H.2 Actions under delegated authority May 14, 2006 to May 20, 2006

Competitive Factors Reports

Mid-Missouri Bank, Springfield, Missouri -- report on competitive factors of the 

proposed merger of Webb City Bank, Webb City, with The First National Bank of 

Mount Vernon, Mount Vernon; and of the proposed purchase of assets and 

assumption of the deposit liabilities of three Missouri branches of First National 

Bank, Goodland.

- Submitted, May 19, 2006 

St. Louis

Republic First Bank, Philadelphia, Pennsylvania -- report on competitive factors of 

the proposed merger with Republic First Bank of New Jersey, Voorhees, New 

Jersey.

- Submitted, May 15, 2006 

Philadelphia

United Valley Bank, Argyle, Minnesota -- report on competitive factors of the 

proposed merger with United Valley Bank, Cavalier, North Dakota.

- Submitted, May 15, 2006 

Minneapolis

Extensions Of Time

BankEast, Knoxville, Tennessee -- extension to June 2, 2007, to establish a branch 

at 6000 Kingston Pike.

- Granted, May 17, 2006 

Atlanta

Capitol Bancorp, Ltd., Lansing, Michigan -- extension to August 16, 2006, to 

acquire 51 percent of the shares of Bank of Valdosta, Valdosta, Georgia, a de novo 

bank.

- Granted, May 19, 2006 

Chicago

Citizens Bancshares, Inc., ESOP, Edmond, Oklahoma -- extension to August 28, 

2006, to acquire up to 40 percent of the shares of Citizens Bancshares, Inc., parent 

of Citizens Bank of Edmond.

- Granted, May 18, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 7 of 8
H.2 Actions under delegated authority May 14, 2006 to May 20, 2006

Membership

Triumph Bank, Germantown, Tennessee -- to become a member of the Federal 

Reserve System.

- Approved, May 16, 2006 

St. Louis

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

Federal Reserve Bank of Boston

Filings received during the week ending May 20, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 05/31/2006

06/01/2006

Braintree Bancorp MHC, Braintree, MA -

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

Braintree Co-operative Bank, Braintree, MA

BRAINTREE BANCORP MHC

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Coastal Affiliates, MHC, Yarmouth Port,

Massachusetts to become a bank holding

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

Act in connection with the reorganization of

Cape Cod Cooperative Bank, Yarmouth Port,

Massachusetts, into the mutual bank holding

company structure.

Coastal Affiliates, MHC

Newspaper:

Federal Register:

* 3A1 Not available

06/15/2006

Application by Gorham Bancorp, MHC and

Gorham Bancorp Inc., both of Gorham, Maine,

to become a mutual bank holding company and

a stock bank holding company, respectively

(collectively, the Applicants), by acquiring

Gorham Savings Bank, Gorham, Maine,

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

Bank Holding Company Act of 1956, as

amended.

Gorham Bancorp, MHC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Third Quarter of 2006 (July 1, 2006 - September 30, 2006)

Institution Location

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

Federal Reserve Bank of New York

Filings received during the week ending May 20, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Allied Irish Banks, p.l.c., Dublin, Ireland,

provides notice to engage de novo through its

subsidiary Goodbody Securities, Inc., New

York, New York, in securities brokerage and

private placement services, pursuant to Section

4(c)(8) of the BHC Act and Section

225.24(a)(1) of Regulation Y.

ALLIED IRISH BANKS, P.L.C.

Newspaper:

Federal Register:

* Branch

Not applicable

Banco Popular, North America, New York, 06/01/2006

New York to open a new domestic branch,

located at 1620 W. 49th Street, Hialeah,

(Miami-Dade County), Florida.

BANCO POPULAR NORTH

AMERICA

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco Santander Totta, S.A., Lisbon, Portugal

to establish a representative office in New York,

New York.

Banco Santander Totta, S.A.

Newspaper:

Federal Register:

* 3A1 Not available

06/09/2006

Catskill Hudson Bancorp, Inc., Rockhill, New

York to acquire 100 percent of the voting shares

of Community Bank of Sullivan County, Rock

Hill, NY, pursuant to Section 3(a)(1) of the

BHC Act and Section 225.15 of Regulation Y.

CATSKILL HUDSON

BANCORP, INC

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change in Bank Control pursuant to

the Change in Bank Control Act of 1978, as

amended, by Mario and Dawn Martinez, both

of Sundown, New York, to acquire 59,035 of

the common shares of Catskill Hudson

Bancorp, Inc., Rock Hill, New York, pursuant

to a reorganization of Community Bank of

Sullivan County, Rock Hill, New York, into a

wholly-owned subsidiary of Catskill Hudson

Bancorp, Inc. As a result of this transaction,

Mario and Dawn Martinez will own 9.93% of

the outstanding shares of Catskill Hudson

Bancorp, and together with Mrs. Martinez''s

brother, Mr. G. Vurckio, who will own 2,000

shares, will control 10.27% of Catskill Hudson

Bancorp, Inc.''s outstanding shares.

CATSKILL HUDSON

BANCORP, INC

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The International Commercial Bank of China

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

China is applying to establish a branch, under

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

Jose, California and upgrade its two existing

offices in New York City and Los Angeles,

California to full service branches.

INTERNATIONAL

COMMERCIAL BANK OF

CHINA CO., LTD., THE

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Manufacturers and Traders Trust Company,

Buffalo, New York, requests prior approval of

the Board of Governors of the Federal Reserve

System, to purchase selected assets and assume

selected deposit liabilities associated with 21

branches in Buffalo and Rochester, New York,

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

pursuant to Section 18(c) of the Federal Deposit

Insurance Act, and in connection therewith to

establish branches, pursuant to Section 9 of the

Federal Reserve Act.

MANUFACTURERS AND

TRADERS TRUST COMPANY

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

Federal Reserve Bank of New York

Filings received during the week ending May 20, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

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

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

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

establish a branch in New York, New York by

relocating the Bank's Los Angeles, California

FDIC-insured branch. 

In addition, the Bank is applying to the Board,

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

representative office in Los Angeles, California,

which will serve as a liaison office with the

Bank's remaining California-based customers.

MIZRAHI TEFAHOT BANK

LTD.

Newspaper:

Federal Register:

* 4c8 Not available

06/09/2006

Societe General, Paris, France, provided a

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

Holding Company Act of 1956, as amended,

and Section 225.24 of Regulation Y, to the

Board of Governors of the Federal Reserve

System for prior approval to engage in certain

nonbanking activities, de novo, through the

acquisition of 100% of the voting shares of

Societe General, FSB, a de novo federal savings

bank headquartered in New York, New York.

SOCIETE GENERALE

Newspaper:

Federal Register:

FBSEA

Not applicable

UBS AG, Zurich, Switzerland to establish an 05/08/2006

additional federal branch to be located in New

York, New York pursuant to Section

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

UBS AG

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Third Quarter of 2006 (July 1, 2006 - September 30, 2006)

Institution Location

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending May 20, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Berkshire Bancorp, Inc., Wyomissing, PA, to

form a bank holding company through its

acquisition of Berkshire Bank, Wyomissing,

PA.

Berkshire Bancorp, Inc.

Newspaper:

Federal Register:

* 3A3 06/12/2006

06/09/2006

Juniata Valley Financial Corp., Mifflintown,

PA, to acquire 39.2% of First National Bank of

Liverpool, Liverpool, PA.

JUNIATA VALLEY FINANCIAL

CORP.

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Third Quarter of 2006 (July 1, 2006 - September 30, 2006)

Institution Location

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

Federal Reserve Bank of Cleveland

Filings received during the week ending May 20, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 05/09/2006

branch at 790 Gardner Road, Springboro, OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Application by Sir Barton Bancorp, Inc.,

Lexington, KY to form a bank holding

company by acquiring 100 percent of the voting

shares of First National Bank of Lexington,

Lexington, KY pursuant to Section 3(a)(1) of

the Bank Holding Company Act.

Sir Barton Bancorp, 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

NONE

CRA Examinations scheduled for Third Quarter of 2006 (July 1, 2006 - September 30, 2006)

Institution Location

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

Federal Reserve Bank of Richmond

Filings received during the week ending May 20, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

* 3A3 06/16/2006

Capital One Financial Corporation, McLean,

Virginia, to acquire 100% of the voting

securities of North Fork Bancorporation, Inc.,

Melville, New York, and thereby indirectly

acquire North Fork Bank, Mattituck, New

York, and Superior Savings Of New England,

National Association, Branford, Connecticut.

CAPITAL ONE FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Clear Mountain Bank, Bruceton Mills, West 06/01/2006

Virginia, to purchase certain assets and assume

certain liabilities of the Rowlesburg, West

Virginia branch of First Community Bank, NA,

Bluefield, Virginia

CLEAR MOUNTAIN BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Gateway Bank & Trust Co., Elizabeth City, 05/29/2006

North Carolina, proposes to establisha branch at

1403 Greenbrier Parkway, Chesapeake,

Virginia.

GATEWAY BANK & TRUST

CO.

Newspaper:

Federal Register:

* Branch

Not applicable

Susquehanna Bank, Hagerstown, Maryland, 05/30/2006

proposes to establish a branch at 12875

Washington Township Boulevard, Rouzerville,

Pennsylvania.

SUSQUEHANNA 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

844820 BANK OF TAZEWELL CTY, TAZEWELL, VIRGINIA 10/17/2005 03/09/2006 S Intermediate

Small Bank

436823 CENTRAL VA BK, POWHATAN, VIRGINIA 01/30/2006 04/20/2006 S Large Bank

899428 FIRST BK, STRASBURG, VIRGINIA 12/12/2005 03/23/2006 S Intermediate

Small Bank

CRA Examinations scheduled for Third Quarter of 2006 (July 1, 2006 - September 30, 2006)

Institution Location

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

Federal Reserve Bank of Atlanta

Filings received during the week ending May 20, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

06/09/2006

05/15/2006

Hometown of Homestead, Inc., Ft. Pierce,

Florida (Hometown), to become a bank holding

company by acquiring 100 percent of the

outstanding shares of First of Homestead, Inc.,

and its subsidiary, 1st National Bank of South

Florida (Bank), both of Homestead, Florida.

Also enclosed are the applications by

Hometown Banking Company, Ft. Pierce,

Florida, to acquire 30 percent of the outstanding

shares of Hometown and Bank; The Prosperity

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

to acquire 10 percent of the outstanding shares

of Hometown and Bank; and Riverside Gulf

Coast Banking Company, Cape Coral, Florida,

to acquire 10 percent of the outstanding shares

of Hometown and Bank. Hometown will change

its name to Hometown of Homestead Banking

Company after consummation.

HOMETOWN OF HOMESTEAD,

INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Mid-America Bancshares, Inc., Nashville,

Tennessee, to become a bank holding company

by acquiring 100 percent of the voting shares of

Bank of the South, Mt. Juliet, Tennessee, and

PrimeTrust Bank, Nashville, Tennessee.

MID-AMERICA BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A1 06/12/2006

06/15/2006

Mountain Commerce Bancorp, Inc., Johnson

City, Tennessee, to become a bank holding

company by acquiring 100 percent of the

outstanding shares of Erwin National Bank,

Erwin, Tennessee.

MOUNTAIN COMMERCE

BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 05/25/2006

establish a branch located at 275 Gunter

Avenue, Guntersville, Alabama.

REGIONS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 05/26/2006

establish a branch located at 1450 Greene

Street, Augusta, Georgia.

REGIONS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 05/29/2006

branches at the following locations: 308 High

Tide Drive, St. Augustine, Florida, to be known

as the Anastasia Island Office; and 100 Town

Center Parkway, Jacksonville, Florida, to be

known as the St. Johns Town Center Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 05/26/2006

branch located at 15753 Pines Boulevard,

Pembroke Pines, Florida, to be known as the

Pines at Paraiso Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

150035 FIRST FARMERS & MRCH B, COLUMBIA, TENNESSEE 01/23/2006 05/14/2006 S Intermediate

Small Bank

318835 PILOT BK, TAMPA, FLORIDA 01/23/2006 05/15/2006 S Small Bank

CRA Examinations scheduled for Third Quarter of 2006 (July 1, 2006 - September 30, 2006)

Institution Location

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

Federal Reserve Bank of Chicago

Filings received during the week ending May 20, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/30/2006

Notice by John A. Barker, Springfield, Illinois,

to retain more than 25 percent of the voting

shares of Barker Brothers Inc., Springfield,

Illinois, and thereby indirectly retain control of

Middletown State Bank, Middletown, Illinois.

BARKER BROTHERS, INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 06/12/2006

Capitol Bancorp, Ltd., Lansing, Michigan, to

acquire 51 percent of the voting shares of Bank

of Everett (in organization), Everett,

Washington, and by Capitol Development

Bancorp Limited V, Lansing, Michigan, to

become a bank holding company by acquiring

51 percent of the voting shares of Bank of

Everett (in organization), Everett, Washington.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 329 N. Park

Avenue, Suite 150, Winter Park, Florida.

COMERICA BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Gus J. Lukas, Grafton, Wisconsin,

and Lorraine J. Lukas 2006 Trust for Lori J.

Foy, to gain control of Community Bancshares

of Wisconsin, Inc., Grafton, Wisconsin, and

thereby indirectly acquire Cornerstone

Community Bank, Grafton, Wisconsin.

COMMUNITY BANCSHARES

OF WISCONSIN, INC.

Newspaper:

Federal Register:

* 3A1 Not available

05/19/2006

Gateway Banc Corp., Roscoe, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of Gateway

Community Bank, Roscoe, Illinois.

GATEWAY BANC CORP.

Newspaper:

Federal Register:

* 3A1 Not available

06/12/2006

Kujawa Family Holdings, Inc., Berlin,

Wisconsin, to become a bank holding company

by acquiring 100 percent of the voting shares of

The Farmers & Merchants Bank, Berlin,

Wisconsin.

KUJAWA FAMILY HOLDINGS,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Old Second Bank-Yorkville, Yorkville, Illinois, 06/13/2006

to establish a branch facility to be located at

4040 Veterans Road, Ottawa, Illinois.

OLD SECOND

BANK-YORKVILLE

Newspaper:

Federal Register:

* 3A3 06/05/2006

06/16/2006

Oswego Community Bank Employee Stock

Ownership Plan, Oswego, Illinois, to increase

its ownership from 37.71 percent to 51 percent

of Oswego Bancshares, Inc., Oswego, Illinois,

and thereby indirectly increase its ownership in

Oswego Community Bank, Oswego, Illinois.

OSWEGO COMMUNITY BANK

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

CIC Not available

05/24/2006

Notice by Harold Dean Westra, individually and

acting in concert with Greg Todd Westra, both

of Rock Valley, Iowa, to gain control of Premier

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

indirectly Premier Bank, Rock Valley, Iowa.

PREMIER HOLDINGS, LTD

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

Federal Reserve Bank of Chicago

Filings received during the week ending May 20, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

06/12/2006

RAC Inc. Wisconsin, Kohler, Wisconsin, to

become a bank holding company through the

acquisition of 100 percent of the outstanding

shares of Ridgestone Financial Services, Inc.,

Brookfield, Wisconsin, and thereby indirectly

acquire Ridgestone Bank, Brookfield,

Wisconsin.

RAC, INC. WISCOSIN

Newspaper:

Federal Register:

CIC Not available

05/17/2006

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

Trustee of the Barbara K. Henson Living Trust,

Michael R. Henson and the Barbara K. Henson

Living Trust, all of Davenport, Iowa and acting

as a group to become the largest shareholder of

River Valley Bancorp, Inc., Davenport, Iowa.

RIVER VALLEY BANCORP,

INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

175140 COMMUNITY FIRST BK, BOSCOBEL, WISCONSIN 11/15/2005 05/11/2006 S Small Bank

CRA Examinations scheduled for Third Quarter of 2006 (July 1, 2006 - September 30, 2006)

Institution Location

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

Federal Reserve Bank of St. Louis

Filings received during the week ending May 20, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 06/15/2006

06/12/2006

F & M Bancshares, Inc., Trezevant, Tennessee,

to acquire 100 percent of Citizens City &

County Bank, Trenton, Tennessee.

F & M BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 06/11/2006

06/09/2006

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

acquire 100 percent of First Missouri State

Bank of Cape County, Cape Girardeau,

Missouri (in organization).

FMS BANCORP, INC.

* 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 Third Quarter of 2006 (July 1, 2006 - September 30, 2006)

Institution Location

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending May 20, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

06/02/2006

John S. Braun Revocable Trust, John Stephen

Braun and Priscilla White Braun, Trustees,

Deephaven, Minnesota; Priscilla W. Braun

Revocable Trust, Priscilla White Braun and

John Stephen Braun, Trustees, Deephaven,

Minnesota; Stephen John Braun, Minnetonka,

Minnesota; Philip McAllister Braun,

Richardson, Texas; and Elizabeth Braun

Fransen, Wayzata, Minnesota, as a group acting

in concert; and Dean Alvin Holasek, Eden

Prairie, Minnesota, as an individual, to gain

control of Community Bank Group, Inc., Eden

Prairie, Minnesota, and thereby indirectly gain

control of Community Bank Minnesota Valley,

Wayzata, Minnesota; and Community Bank

Winsted, Winsted, Minnesota.

COMMUNITY BANK GROUP,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 06/19/2006

Glacier Bancorp, Inc., Kalispell, Montana, to

acquire 100 percent of Citizens Development

Company, Billings, Montana.

GLACIER BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 Not available

Minnesota Bancshares, Inc., Minneapolis,

Minnesota, to become a bank holding company

by acquiring 100% of Heron Lake State Bank,

Heron Lake, Minnesota. Applicant also

proposes to acquire 100% of Heron Lake

Agency, Inc., Heron Lake, Minnesota, and

thereby engage in insurance agency activities in

a town with a population not exceeding 5000.

Minnesota 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

445852 WESTERN BK OF WOLF POINT, WOLF POINT, MONTANA 01/31/2006 05/10/2006 S Small Bank

CRA Examinations scheduled for Third Quarter of 2006 (July 1, 2006 - September 30, 2006)

Institution Location

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

Federal Reserve Bank of Kansas City

Filings received during the week ending May 20, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

06/05/2006

Notice by Richard J. Watts, Ramona,

California, as an individual; and Richard J.

Watts, Ramona, California, Janice Roccoforte,

El Cajon, California, and Jack A. Roccoforte,

El Cajon, California; acting as a group in

concert; to acquire control of Ameribanc

Holdings, parent of Bank of Durango, both in

Durango, Colorado.

AMERIBANC HOLDINGS

Newspaper:

Federal Register:

CIC 06/01/2006

05/26/2006

Notice by Hoffman, Inc., Arapahoe, Nebraska,

to acquire control of Central Bancshares, Inc.,

parent of First Central Bank, both in

Cambridge, Nebraska, and First Central Bank

McCook, McCook, Nebraska. Central

Bancshares, Inc., Cambridge, Nebraska, to

redeem 22.9 percent of its outstanding common

stock.

CENTRAL BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 06/12/2006

06/12/2006

Emprise Financial Corporation, Wichita,

Kansas, to acquire 100 percent of the voting

shares of Prairie Capital, Inc., parent of Prairie

State Bank, both in Augusta, Kansas.

EMPRISE FINANCIAL

CORPORATION

Newspaper:

Federal Register:

CIC Not available

05/16/2006

Notification filed by the following, as a group

acting in concert: The Biegert Family

Irrevocable Trust, Laramie, Wyoming, its

trustees, Larry R. Cox, Henderson, Nebraska,

and Judith Ackland, Geneva, Nebraska, and

Larry R. Cox, individually; Charles Flaming,

individually, and as owner of Sadle Cattle

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

Janzen, Christopher Vanderneck, Matthew D.

Siebert, Fredrick Regier, Arvid Janzen, and

Brian Janzen, all of Henderson, Nebraska;

Ronald Preheim, Aurora, Nebraska; Jeff

Pribbeno, Imperial, Nebraska; and Wesley

Kroeker, Enid, Oklahoma; to acquire control of

Henderson State Company, Henderson,

Nebraska, parent of Henderson State Bank,

Henderson, Nebraska.

HENDERSON STATE

COMPANY

Newspaper:

Federal Register:

* 3A1 Not available

06/16/2006

Quay Bank Corp., Albuquerque, New Mexico,

to become a bank holding company through the

acquisition of 100 percent of the voting shares

of High Desert State Bank, Albuquerque, New

Mexico.

QUAY BANK CORP.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Tonganoxie Bankshares, Inc., Tonganoxie,

Kansas, proposes to engage in lending

activities.

TONGANOXIE BANKSHARES,

INC.

Newspaper:

Federal Register:

CIC Not available

05/11/2006

Notification by Paul C. Bauman and Emily A.

Bauman, both of Tulsa, Oklahoma; and Henry

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

of United Capital Bancshares, Inc., Wyandotte,

Oklahoma, parent of Bank of Wyandotte,

Wyandotte, Oklahoma.

UNITED CAPITAL

BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

18854 BANK 7, MEDFORD, OKLAHOMA 02/06/2006 05/05/2006 S Small Bank

CRA Examinations scheduled for Third Quarter of 2006 (July 1, 2006 - September 30, 2006)

Institution Location

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

Federal Reserve Bank of Dallas

Filings received during the week ending May 20, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 06/12/2006

06/12/2006

First National Bank Group, Inc., Edinburg,

Texas, to acquire 9.90 percent of Southside

Bancshares, Inc., Tyler, Texas, and indirectly

acquire Southside Delaware Financial

Corporation, Dover, Delaware, and Southside

Bank, Tyler, Texas.

FIRST NATIONAL BANK

GROUP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Independent Bank of Texas, Irving, Texas, to 05/31/2006

establish a branch to be located at 2601

Network Blvd., Suite 101, Frisco, Texas 75034.

INDEPENDENT BANK OF

TEXAS

* 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 Third Quarter of 2006 (July 1, 2006 - September 30, 2006)

Institution Location

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

Federal Reserve Bank of San Francisco

Filings received during the week ending May 20, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Community First Bank, Pineville, Oregon, to 05/25/2006

establish a branch facility at 657 SW Glacier,

Redmond, Oregon.

COMMUNITY FIRST BANK

Newspaper:

Federal Register:

* 3A1 05/31/2006

06/16/2006

Concord Place, Inc., Nassau, The Bahamas, to

become a bank holding company by acquiring

at least 76.6 percent of Los Angeles National

Bank, Buena Park, California.

Concord Place, Inc.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Frontier Financial Corporation, Everett,

Washington, to acquire 12.2 percent of Skagit

State Bancorp, Inc., and thereby indirectly

acquire shares in its subsidiary, Skagit State

Bank, both of Burlington, Washington.

FRONTIER FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A3

Not available

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

acquire 100 percent of Choice Bank, Scottsdale,

Arizona.

SILVER STATE BANCORP

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

478766 LIBERTY BK, SOUTH SAN FRANCISCO, CALIFORNIA 01/17/2006 05/10/2006 S Small Bank

CRA Examinations scheduled for Third Quarter of 2006 (July 1, 2006 - September 30, 2006)

Institution Location

* Subject to the provisions of the Community Reinvestment Act