Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 25

Week Ending June 24, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions June 18, 2006 to June 24, 2006

Bank Holding Companies

Banco Santander Central Hispano, S.A., Madrid, Spain -- commenter's request for 

reconsideration of the Board's approval of the application to acquire control of 

Sovereign Bancorp, Wyomissing, Pennsylvania, Sovereign Bank, and Independence 

Community Bank, Brooklyn, New York.

- Denied, June 22, 2006 

Enforcement

First Baird Bancshares, Inc., Bedford, Texas -- issuance of a consent order to cease 

and desist and assessment of civil money penalties against First Baird Bancshares, 

Inc., and Joe E. Sharp, an institution-affiliated party.

- Announced, June 22, 2006 

Regions Bank, Birmingham, Alabama -- issuance of an order of prohibition against 

Trampas B. Riggs, a former employee and institution-affiliated party.

- Announced, June 21, 2006 

Regulations And Policies

Payments System Risk Policy -- publication for comment of revisions to Part I of 

the policy relating to central counterparties and establishing an expectation that 

systemically important systems disclose publicly certain self-assessments (Docket 

No. OP-1259).

- Approved, June 19, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
June 18, 2006 to June 24, 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

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

1221 Brickell Avenue, Miami, Florida.

- Approved, June 23, 2006 

New York

Chemical Bank, Midland, Michigan -- to establish a branch at 407 East Main Street, 

Niles.

- Approved, June 20, 2006 

Chicago

Patriot Bank, Millington, Tennessee -- to establish a branch near the intersection of 

Munford Atoka Avenue and Highway 51 South, Atoka.

- Approved, June 19, 2006 

St. Louis

PlainsCapital Bank, Lubbock, Texas -- to establish a branch at 1001 Santa Fe Drive, 

Weatherford.

- Approved, June 21, 2006 

Dallas

Susquehanna Bank, Hagerstown, Maryland -- to establish a branch at the 

intersection of Route 140 and Englar Road, Westminster.

- Approved, June 21, 2006 

Richmond

The Farmers Citizens Bank, Bucyrus, Ohio -- to establish a branch at 5858 North 

High Street, Worthington.

- Approved, June 22, 2006 

Cleveland

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority June 18, 2006 to June 24, 2006

Bank Branches, Domestic

Truman Bank, St. Louis, Missouri -- to establish a branch at 8151 Clayton Road, 

and to relocate the main office to the corner of Manchester and Hanley Roads, 

Brentwood.

- Approved, June 23, 2006 

St. Louis

Bank Holding Companies

Apple Financial Holdings, Inc., New York, New York -- to acquire Apple Bank for 

Savings, Manhasset.

- Approved, June 23, 2006 

New York

Bank of the Carolinas Corporation, Mocksville, North Carolina -- to become a bank 

holding company and to acquire Bank of the Carolinas.

- Approved, June 22, 2006 

Richmond

Carver Bancorp, Inc., New York, New York -- waiver of application in connection 

with the acquisition of Community Capital Bank, Brooklyn.

- Granted, June 23, 2006 

New York

Cass Information Systems, Inc., Bridgeton, Missouri -- to acquire NTransit, Inc., 

Wellington, Kansas, and thereby engage in data processing activities.

- Approved, June 20, 2006 

St. Louis

F&M Bancshares, Inc., Trezevant, Tennessee -- to acquire Citizens City and County 

Bank, Trenton.

- Approved, June 22, 2006 

St. Louis

First Mountain Bancorp, Big Bear Lake, California -- to become a bank holding 

company and to acquire First Mountain Bank.

- Approved, June 23, 2006 

San Francisco

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority June 18, 2006 to June 24, 2006

Bank Holding Companies

FirstBank Financial Services, Inc., McDonough, Georgia -- relief from a 

commitment.

- Granted, June 21, 2006 

Atlanta

Oswego Community Bank Employee Stock Ownership Plan, Oswego, Illinois -- to 

increase its ownership from 37.71 percent to 51 percent of the shares of Oswego 

Bancshares, Inc., and thereby increase its ownership in Oswego Community Bank.

- Approved, June 21, 2006 

Chicago

The SEE Trust, Miami, Florida -- to become a bank holding company and to retain 

more than 25 percent of the shares of Transatlantic Bank.

- Approved, June 19, 2006 

Secretary

St. Louis Bancshares, Inc., Town and Country, Missouri -- to become a bank 

holding company and to acquire St. Louis Bank.

- Approved, June 22, 2006 

St. Louis

SunSouth Bancshares, Inc., Dothan, Alabama -- relief from a commitment.

- Granted, June 21, 2006 

Atlanta

TSB Financial Corporation, Charlotte, North Carolina -- to become a bank holding 

company and to acquire The Scottish Bank.

- Approved, June 22, 2006 

Richmond

Valliance Financial Corp., Oklahoma City, Oklahoma -- to become a bank holding 

company and to acquire Valliance Bank, N.A.

- Approved, June 22, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority June 18, 2006 to June 24, 2006

Banks, Foreign

The Governor and Company of the Bank of Ireland, Dublin, Ireland -- waiver of 

remainder of notification period to establish a branch in Stamford, Connecticut.

- Granted, June 23, 2006 

Director, BS&R

Change In Bank Control

Henderson State Company, Henderson, Nebraska -- change in bank control.

- Permitted, June 20, 2006 

Kansas City

Competitive Factors Reports

Allegheny Valley Bancorp, Inc., Pittsburgh, Pennsylvania -- report on competitive 

factors of the proposed merger of Allegheny Valley Bank of Pittsburgh and Mt. 

Troy Bank.

- Submitted, June 22, 2006 

Cleveland

Citizens Tri-County Bank, Dunlap, Tennessee -- report on competitive factors of the 

proposed merger with First National Bank of Tullahoma, Tullahoma.

- Submitted, June 19, 2006 

Atlanta

First Bank, Troy, North Carolina -- report on competitive factors of the proposed 

purchase of assets and assumption of liabilities of the Carthage branch of Bank of 

the Carolinas, Mocksville.

- Submitted, June 21, 2006 

Richmond

First Citizens Bank and Trust Company, Inc., Columbia, South Carolina -- report on 

competitive factors of the proposed acquisition of the Mullins branch of Carolina 

First Bank, Greenville.

- Submitted, June 21, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority June 18, 2006 to June 24, 2006

Competitive Factors Reports

First Federal Savings Bank, Baxter, Minnesota -- report on competitive factors of 

the proposed acquisition by Great River Holding Company of First Federal 

Bancorporation, Bemidji, and First Federal Bank.

- Submitted, June 19, 2006 

Minneapolis

First National Bank and Trust Company, Asheboro, North Carolina -- report on 

competitive factors of the proposed merger with First Gaston Bank of North 

Carolina, Gastonia.

- Submitted, June 19, 2006 

Secretary

First National Bank of Nokomis, Nokomis, Illinois -- report on competitive factors 

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

Arthur branch of Central Illinois Bank, Champaign.

- Submitted, June 19, 2006 

St. Louis

German American Bancorp, Jasper, Indiana -- report on competitive factors of the 

proposed consolidation with Citizens State Bank, Petersburg; First American Bank, 

Vincennes; First State Bank, Southwest Indiana, Tell City; The German American 

Bank, Jasper; Peoples Bank, Washington; and Stone City Bank of Bedford, Indiana, 

Bedford.

- Submitted, June 20, 2006 

St. Louis

Independence Bank, Newport Beach, California -- report on competitive factors of 

the proposed merger with Independence Financial Group, Inc.

- Submitted, June 21, 2006 

San Francisco

Riverside National Bank of Florida, Fort Pierce, Florida -- report on competitive 

factors of the proposed merger with First Community Bank, DeBary.

- Submitted, June 19, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority June 18, 2006 to June 24, 2006

Competitive Factors Reports

Security Bank Corporation, Macon, Georgia -- report on competitive factors of the 

proposed merger with Homestead Bank, Suwanee.

- Submitted, June 19, 2006 

Atlanta

Shell Lake State Bank, Shell Lake, Wisconsin -- report on competitive factors of the 

proposed merger with Shell Lake Investments, Las Vegas, Nevada.

- Submitted, June 19, 2006 

Minneapolis

Extensions Of Time

Regions Bank, Birmingham, Alabama -- extension to July 6, 2007, to establish a 

branch at the intersection of Beltway 8 and Vista Road, Pasadena, Texas.

- Granted, June 20, 2006 

Atlanta

SunTrust Bank, Atlanta, Georgia -- extension to September 9, 2007, to establish a 

branch at 6289 PGA Boulevard, Palm Beach Gardens, Florida.

- Granted, June 20, 2006 

Atlanta

Wessagussett Mutual Holding Company, Weymouth, Massachusetts, and 

Wessagussett Bancorp, Inc. -- extension to July 24, 2006, to become a mutual bank 

holding company and a stock bank holding company, respectively, and to acquire 

Weymouth Bank.

- Granted, June 20, 2006 

Boston

Financial Holding Companies

Alliance Financial Corporation, Syracuse, New York -- election to become a 

financial holding company.

- Effective, June 21, 2006 

New York

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority June 18, 2006 to June 24, 2006

Financial Holding Companies

Bayerische Hypo-und Vereinsbank AG, Munich, Germany -- election to be treated 

as a financial holding company.

- Effective, June 22, 2006 

Director, BS&R

First American International Corp., Brooklyn, New York -- election to become a 

financial holding company.

- Effective, June 21, 2006 

New York

The Governor and Company of the Bank of Ireland, Dublin, Ireland -- election to be 

treated as a financial holding company upon the establishment of a branch in 

Stamford, Connecticut.

- Effective, June 23, 2006 

Director, BS&R

Lakin Bancshares, Inc., Lakin, Kansas -- election to become a financial holding 

company.

- Effective, June 20, 2006 

Kansas City

Membership

First National Bank-West, Evanston, Wyoming -- to retain membership in the 

Federal Reserve System on conversion to a state-chartered institution, to be known 

as 1st Bank.

- Approved, June 22, 2006 

Minneapolis

Omega Bank, National Association, State College, Pennsylvania -- to become a 

member of the Federal Reserve System.

- Approved, June 23, 2006 

Philadelphia

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

Federal Reserve Bank of Boston

Filings received during the week ending June 24, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Notice submitted by South Shore Mutual

Holding Company, Weymouth, Massachusetts,

to acquire indirectly through its sole bank

subsidiary, South Shore Cooperative Bank,

Weymouth, Massachusetts, a 40% interest in

Stonebridge Mortgage Company, LLC,

Raynham, Massachusetts, pursuant to section

4(c)(8) of the Bank Holding Company Act of

1956, as amended.

SOUTH SHORE MUTUAL

HOLDING COMPANY

* 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 June 24, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

The Adirondack Trust Company Employee

Stock Ownership Trust, Saratoga Springs, New

York, to acquire fifty additional shares of 473

Broadway Holding Corporation and to acquire

one thousand additional shares of The

Adirondack Trust Company, Saratoga Springs,

New York, pursuant to Section 3(a)(3) of the

Bank Holding Company Act of 1956, as

amended.

ADIRONDACK TRUST

COMPANY EMPLOYEE

STOCK OWNERSHIP TRUST,

THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Notice by Banco Bilbao Vizcaya Argentaria,

S.A., Bilbao, Spain, to convert its existing

agency office in Miami, Forida, into a

State-Licensed Branch office, pursuant to

Section 5(a)(7)(B) of the International Banking

Act.

BANCO BILBAO VIZCAYA

ARGENTARIA, S.A.

Newspaper:

Federal Register:

Other Foreign Not available

Not applicable

Banco Santander International, Miami,

Florida, to establish a domestic branch in

Houston, Texas, pursuant to Section 211.5(f) of

Regulation K.

BANCO SANTANDER

INTERNATIONAL

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:

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:

* 3A3 Not available

* 3A5 Not available

The Toronto-Dominion Bank, Toronto,

Ontario, Canada, and TD Banknorth Inc.,

Portland, Maine, propose to acquire 100

percent of the voting shares of Interchange

Financial Services Corporation, the parent

company of Interchange Bank, both of Saddle

Brook, New Jersey, pursuant to Sections

3(a)(3) and 3(a)(5) of the Bank Holding

Company Act, and Section 225.15 of

Regulation Y.

TORONTO-DOMINION BANK,

THE

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

229913 MIZUHO CORP BK USA, NEW YORK, NEW YORK 01/09/2006 06/19/2006 O Whole/Ltd Purp

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 June 24, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Premises Not applicable

Bryn Mawr Trust Company, Bryn Mawr, PA,

to establish a branch office located at 849 Paoli

Pike, West Goshen Township, West Chester,

PA, pursuant to Section 9 of the Federal

Reserve Act.

BRYN MAWR TRUST

COMPANY

Newspaper:

Federal Register:

* 3A1

Member

06/25/2006

07/13/2006

Conestoga Bancorp, Inc., (in formation) King

of Prussia, PA, to become a bank holding

company, by acquiring Conestoga Bank (also

in formation), King Prussia, PA.

CONESTOGA BANCORP, INC

Newspaper:

Federal Register:

* 3A3 Not available

07/10/2006

East Penn Financial Corporation, Emmaus,

PA, to acquire up to 19.9% of Berkshire

Bancorp, Inc., Wyomissing, PA.

EAST PENN FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Sterling Bank, Mount Laurel, NJ, to establish a

branch office located at 4002 Bridgeboro Road,

at the intersection of County Route 613

(Moorestown Bridgeboro) and Hartford Road,

in Delran Township, Burlington County, NJ.

STERLING BANK

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending June 24, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 06/28/2006

06/28/2006

Notice by Daniel Lee Preston to gain control of

Community First Financial Bancorp, Inc., New

Holland, Ohio

COMMUNITY FIRST

FINANCIAL BANCORP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

07/12/2006

Applications by Rurban Financial Corp. and

Rurbanc Data Services, Inc., Defiance, Ohio,

to acquire Diverse Computer Marketers, Inc.,

Lansing, Michigan, and DCM Indiana, Inc.,

Plainfield, Indiana, pursuant to section 4(c)(8)

of the BHC Act

RURBAN FINANCIAL CORP.

Newspaper:

Federal Register:

* 3A3

Not available

Application by S&T Bancorp, Inc., Indiana, 07/21/2006

PA to acquire up to 9.9% of the voting shares

of CBT Financial Corporation, Clearfield, PA

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

Holding Company Act.

S & T 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 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 June 24, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Rocky Mount, North 06/27/2006

Carolina, to establish a branch at 531 South

Main Street, Suite 100, Greenville, South

Carolina.

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Rocky Mount, North 06/27/2006

Carolina, to establish a branch at 125

Perimeter Center West, Atlanta, Georgia.

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

RBC Centura Bank, Rocky Mount, North

Carolina, to establish a branch at 8020 Conroy

Windermere Road, Orlando, Florida.

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Rocky Mount, North 06/28/2006

Carolina, to establish a branch at 2743

Chastain Meadows Parkway, Marietta,

Georgia.

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Rocky Mount, North 06/27/2006

Carolina, to establish a branch at 4408 Cobb

Parkway, Acworth, Georgia.

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Rocky Mount, North 06/27/2006

Carolina, to establish a branch at 3764 Old

Norcross Road, Duluth, Georgia.

RBC CENTURA BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending June 24, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 07/09/2006

07/17/2006

Alabama National BanCorporation,

Birmingham, Alabama, to merge with The PB

Financial Services Corporation, and thereby

acquire its subsidiary, The Peachtree Bank,

both of Duluth, Georgia.

ALABAMA NATIONAL

BANCORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Bank Independent, Sheffield, Alabama, to 06/24/2006

establish a branch located at the corner of

Highway 72 and Lindsay Lane, Athens,

Alabama.

BANK INDEPENDENT

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

CBOS Bankshares, Inc., notice to become a

bank holding company by acquiring 100

percent of the outstanding shares of

Community Bank of the South, both of Merritt

Island, Florida.

CBOS BANKSHARES, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Commerce Union Bank, Springfield,

Tennessee, to become a member of the Federal

Reserve System (in organization).

COMMERCE UNION BANK

Newspaper:

Federal Register:

* 3A1 07/12/2006

07/13/2006

H Financial of Florida, Inc., St. Augustine,

Florida, to become a bank holding company by

acquiring 100 percent of the voting shares of

Haven Trust Bank, St. Augustine, Florida (in

organization).

H Financial of Florida, Inc.

Newspaper:

Federal Register:

* Branch

Not applicable

Old Southern Bank, Clemont, Florida, to 06/22/2006

establish the following branches: 2415

Southern Bank, Winter Park, Florida, and 250

N. Orange Avenue, Orlando, Florida.

OLD SOUTHERN BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 07/02/2006

branches at the following locations: 3001 N.

State Road 7, Lauderdale Lakes, Florida, to be

known as the Lauderdale Lakes Wal-Mart

Office; and 199 N. University Drive, Pembroke

Pines, Florida, to be known as the Pembroke

University Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending June 24, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 06/29/2006

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:

* 18C Not available

* Branch Not applicable

Chemical Bank, Midland, Michigan, to acquire

certain assets and assume certain liabilities of

two branch offices of First Financial Bank,

N.A., Hamilton, Ohio, and thereby to establish

two branches.

CHEMICAL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 06/29/2006

a branch facility to be located at 1600 Research

Forest Drive, Shenandoah, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First American Bank, Fort Dodge, Iowa, to

merge with Waukee State Bank, Waukee,

Iowa, and incident thereto, to establish a

branch office at the existing location of

Waukee State Bank, 45 North Warrior Lane,

Waukee, Iowa.

FIRST AMERICAN BANK

Newspaper:

Federal Register:

* 3A1 Not available

4c8 07/07/2006

First Community Financial Partners, Inc.,

Joliet, Illinois, to become a bank holding

company by acquiring 100 percent of the

voting shares of First Community Bank of

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

lending activities.

FIRST COMMUNITY

FINANCIAL PARTNERS, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Farmers Bank & Trust Co., Converse,

Indiana, to acquire certain assets and assume

certain liabilities of three Indiana branch

offices of Fifth Third Bank, Grand Rapids,

Michigan and thereby to establish 3 branches.

FIRST FARMERS BANK &

TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

Lake Forest Bank & Trust Company, Lake 07/01/2006

Forest, Illinois, to establish a branch facility to

be located at 1801 Sheridan Road, North

Chicago, Illinois.

LAKE FOREST BANK &

TRUST COMPANY

Newspaper:

Federal Register:

CIC Not available

06/13/2006

Notice by Richard N. Glendening of Pella,

Iowa, individually and as trustee of the Richard

Glendening Trust and the Linda Glendening

Subchapter S Trust to retain control of 35.34

percent and acting in concert with the

Glendening Family (Richard & Mary

Glending, Pella, Iowa; Linda Glendening,

Pella, IA; Kara & Nathan Busker, Oakland,

NJ; Eric & Sanae Glendening, Terre Hante,

IN; Erin Glendening, Pittsburgh, PA; Brent &

Mary Jaco, Galveston, TX) to retain control of

39.53 percent of Leighton Investment

Company, Pella, Iowa.

LEIGHTON INVESTMENT

COMPANY

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

Federal Reserve Bank of Chicago

Filings received during the week ending June 24, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 06/29/2006

Wisconsin, to purchase the assets and assume

the liabilities of three Florida branches of M&I

Bank, FSB, Las Vegas, Nevada, and thereby to

establish 3 branches.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* 3A5 07/04/2006

07/07/2006

MB Financial, Inc., Chicago, Illinois, to merge

with First Oak Brook Bancshares, Inc., Oak

Brook, Illinois, and thereby indirectly acquire

Oak Brook Bank, Oak Brook, Illinois.

MB FINANCIAL, INC

Newspaper:

Federal Register:

CIC Not available

06/15/2006

Notice by Harvey N. Gainey, Sr., Grand

Rapids, Michigan, to acquire control, through

the acquisition of additional shares, of 20.94

percent of Northpointe Bancshares, Inc., Grand

Rapids, Michigan, and thereby indirectly

acquire Northpointe Bank, Grand Rapids,

Michigan.

NORTHPOINTE

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1

Not available

NRBC Holding Corporation, Chicago, Illinois, 07/05/2006

to become a bank holding company by

acquiring 100 percent of the outstanding shares

of The National Republic Bank of Chicago,

Chicago, Illinois.

NRBC HOLDING

CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

07/21/2006

Ohnward Bancshares, Inc., Maquoketa, Iowa,

to acquire 100 percent of the voting shares of

United Security Financial Corporation, Cedar

Rapids, Iowa, and thereby indirectly acquire

United Security Savings Bank, Cedar Rapids,

Iowa, and thereby operate a savings

association.

OHNWARD BANCSHARES,

INC.

* 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

678744 CENTRAL ST BK, ELKADER, IOWA 02/27/2006 06/15/2006 S Small Bank

983448 M&I MARSHALL & ILSLEY BK, MILWAUKEE, WISCONSIN 08/15/2005 06/15/2006 O Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending June 24, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 07/18/2006

07/17/2006

Champion Bancshares, Inc., Creve Coeur,

Missouri, to become a bank holding company

by acquiring 100 percent of Champion Bank,

Creve Coeur, Missouri (in organization).

CHAMPION BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A1 07/24/2006

07/24/2006

Evergreen Bancshares, Inc., St. Louis,

Missouri, to become a bank holding company

by merging with Bancorp IV, Inc., Stilwell,

Kansas, and thereby indirectly acquire Bank of

Montgomery County, Wellsville, Missouri.

EVERGREEN BANCSHARES,

INC.

Newspaper:

Federal Register:

CIC Not available

07/06/2006

Notice by Leon Brasher, Fredonia, Kentucky,

to gain control of Fredonia Valley Bancorp,

Inc., Fredonia, Kentucky.

FREDONIA VALLEY

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 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 June 24, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

4c8 07/14/2006

Finlayson Bancshares, Inc., Finlayson,

Minnesota to acquire 100 percent of First

National Agency Company of Deer River, Inc.,

Deer River, Minnesota and indirectly acquire

100 percent of First National Agency of Deer

River, Inc., Deer River, MN, a non bank

insurance subsidiary.

FINLAYSON BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 06/19/2006

Glacier Bancorp, Inc., Kalispell, Montana, to

indirectly acquire 100 percent of Citizens

Development Company, Billings, Montana.

GLACIER BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

07/14/2006

Hatton Bancshares, Inc., Fargo, North Dakota,

to become a bank holding company by

acquiring ninety percent of the voting shares of

Farmers & Merchants National Bank of

Hatton, North Dakota.

HATTON BANCSHARES

Newspaper:

Federal Register:

* 3A5

4c8

07/06/2006

07/06/2006

Hunter Holding Company, Hunter, North

Dakota, to merge with Streeter Insurance

Agency, Inc., Streeter, North Dakota, and

thereby indirectly acquire State Bank of

Streeter, Streeter, North Dakota. Applicant

also proposes to engage in general insurance

agency activities in a town with a population of

less than 5,000.

HUNTER HOLDING

COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

07/10/2006

State Bank of Hawley Employee Stock

Ownership Plan, Hawley, Minnesota, proposes

to increase its ownership to 46% of Bankshares

of Hawley, Inc., Hawley, Minnesota.

STATE BANK OF HAWLEY

EMPLOYEE STOCK

OWNERSHIP PLAN & TRUST

* 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 June 24, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Daniel T. Sims and Nicolette B.

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

co-trustee of the Will Ben Sims Marital Trust

and the Patricia L. Sims Family Trust; Stephen

L. Riffel and Mary Susan Riffel, Moberly,

Missouri, and Mary Susan Riffel as co-trustee

of the Patricia L. Sims Family Trust; Will Ben

Sims Marital Trust, Moberly Missouri; Patricia

L. Sims Family Trust, Moberly, Missouri; to

acquire control of Chariton County

Bancshares, Inc., Moberly, Missouri, parent of

County Bank, Brunswick, Missouri.

CHARITON COUNTY

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Community Bank, Taos, New Mexico, to 06/23/2006

establish a branch at 2710 E. Camelback Road,

Suite 100, Phoenix, Arizona.

FIRST COMMUNITY BANK

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Midwest Community Financial Corporation, to

engage in mortgage loan origination activities

through the acquisition of American Resource

Mortgage, Inc., both in Midwest City,

Oklahoma.

MIDWEST COMMUNITY

FINANCIAL CORPORATION

* 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 June 24, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 07/17/2006

07/14/2006

Comanche National Corporation, Comanche,

Texas, and Comanche National Corporation of

Delaware, Wilmington, Delaware, to acquire

100 percent The First National Bank of Santo,

Santo, Texas.

COMANCHE NATIONAL

CORPORATION

* 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 June 24, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 07/11/2006

06/30/2006

Orange Community Bancorp to become a bank

holding company by acquiring 100 percent of

Orange Community Bank, both of Orange,

California.

ORANGE COMMUNITY

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

982263 SANTA LUCIA BK, ATASCADERO, CALIFORNIA 03/20/2006 06/16/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act