Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 22

Week Ending June 3, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
May 28, 2006 to June 3, 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

The Citizens Bank of Edmond, Edmond, Oklahoma -- to establish a branch at 3600 

South Boulevard.

- Approved, June 1, 2006 

Kansas City

Community First Bank, Prineville, Oregon -- to establish a branch at 657 Southwest 

Glacier, Redmond.

- Approved, May 31, 2006 

San Francisco

East West Bank, Pasadena, California -- to establish branches at 19540 Jamboree 

Road, Suite 150, Irvine, and 3237 East Guasti Road, Suites 110 and 130, Ontario.

- Approved, June 1, 2006 

Secretary

Fidelity & Trust Bank, Bethesda, Maryland -- to establish a branch at 850 Sligo 

Avenue, Suite 100, Silver Spring.

- Approved, June 2, 2006 

Richmond

Gateway Bank & Trust Co., Elizabeth City, North Carolina -- to establish a branch 

at 1403 Greenbrier Parkway, Chesapeake, Virginia.

- Approved, June 1, 2006 

Richmond

PointBank, Pilot Point, Texas -- to establish a branch at 4920 Long Prairie Road, 

Flower Mound.

- Approved, June 1, 2006 

Dallas

Regions Bank, Birmingham, Alabama -- to establish a branch at 275 Gunter 

Avenue, Guntersville.

- Approved, June 2, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 7
H.2 Actions under delegated authority May 28, 2006 to June 3, 2006

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish branches at 7400 West Camino 

Real, Suite 100, Boca Raton, Florida; 450 University Boulevard, Jupiter; and 2240 

M Street, Northwest, Washington, D.C.

- Approved, May 31, 2006 

Secretary

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 125 Sherron Road, 

Durham, North Carolina.

- Approved, May 31, 2006 

Secretary

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 308 High Tide Drive, St. 

Augustine, Florida.

- Approved, June 1, 2006 

Secretary

Susquehanna Bank, Hagerstown, Maryland -- to establish a branch at 12875 

Washington Township Boulevard, Rouzerville, Pennsylvania.

- Approved, June 2, 2006 

Richmond

Bank Holding Companies

Centra Financial Holdings, Inc., Morgantown, West Virginia -- to acquire up to 100 

percent of the shares of Smithfield State Bank, Smithfield, Pennsylvania.

- Approved, May 30, 2006 

Richmond

Enterprise Financial Services Corp, Clayton, Missouri -- to acquire NorthStar 

Bancshares, Inc., North Kansas City, Missouri, and NorthStar Bank, National 

Association.

- Approved, May 30, 2006 

St. Louis

First Fidelity Bancorp, Inc., Oklahoma City, Oklahoma -- to acquire Apex Mortgage 

Company, Edmond, and Edmond Bank and Trust.

- Approved, May 30, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 2 of 7
H.2 Actions under delegated authority May 28, 2006 to June 3, 2006

Bank Holding Companies

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

company and to acquire Florida Gulf Bank.

- Withdrawn, May 31, 2006 

Atlanta

Franklin Financial Services Corporation, Chambersburg, Pennsylvania -- to acquire 

Fulton Bancshares Corporation, McConnellsburg.

- Approved, June 1, 2006 

Philadelphia

Leader Bancorp, Inc., Arlington, Massachusetts -- to acquire Leader Bank, National 

Association.

- Approved, May 30, 2006 

Boston

NBC Capital Corporation, Starkville, Mississippi -- waiver of application to acquire 

SunCoast Bancorp, Inc., Sarasota, Florida, and SunCoast Bank in connection with 

the merger of SunCoast Bank and NBC Capital Corporation's subsidiary, Cadence 

Bank, N.A., Starkville, Mississippi.

- Granted, June 2, 2006 

Secretary

Peoples Community Bancorp, Inc., West Chester, Ohio -- waiver of application 

requirement in connection with the acquisition of Mercantile Savings Bank, 

Cincinnati.

- Granted, June 2, 2006 

Cleveland

Potomac Virginia Bancorp, Fairfax, Virginia -- to become a bank holding company 

and to acquire Potomac Bank of Virginia.

- Returned, June 1, 2006 

Richmond

TriStar Bancshares, Inc., Dickson, Tennessee -- to become a bank holding company 

and to acquire TriStar Bank.

- Approved, May 31, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 7
H.2 Actions under delegated authority May 28, 2006 to June 3, 2006

Bank Mergers

Rockingham Heritage Bank, Harrisonburg, Virginia -- to merge with Albemarle 

First Bank, Charlottesville, and thereby establish a branch.

- Approved, June 2, 2006 

Richmond

Bank Premises

Cross County Bank, Wynne, Arkansas -- to increase its investment in bank premises.

- Approved, June 2, 2006 

St. Louis

Change In Bank Control

American Premier Bancorp, Arcadia, California -- notices to retain control of 

American Premier Bancorp.

- Permitted, June 2, 2006 

San Francisco

Premier Holdings, Ltd., Rock Valley, Iowa -- change in bank control.

- Permitted, June 2, 2006 

Chicago

Competitive Factors Reports

Country Club Bank, National Association, Shawnee Mission, Kansas -- report on 

competitive factors of the proposed merger with CCB Interim Bank, National 

Association.

- Submitted, June 1, 2006 

Kansas City

Custodial Trust Company, Princeton, New Jersey -- report on competitive factors of 

the proposed merger with Bear Stearns Bank and Trust Company, National 

Association, Wilmington, Delaware, a de novo bank.

- Submitted, June 2, 2006 

Philadelphia

(AC) = Addition or Correction Delegated - Page 4 of 7
H.2 Actions under delegated authority May 28, 2006 to June 3, 2006

Competitive Factors Reports

First National Bank and Trust Company, Shawnee, Oklahoma -- report on 

competitive factors of the proposed merger with Guarantee State Bank, Lawton.

- Submitted, June 2, 2006 

Kansas City

Fox Chase Federal Savings Bank, Hatboro, Pennsylvania -- report on competitive 

factors of the proposed merger with Fox Chase Interim Federal Savings Bank and 

Fox Chase MHC Interim Federal Savings Bank.

- Submitted, May 30, 2006 

Philadelphia

The Girard National Bank, Girard, Kansas -- report on competitive factors of the 

proposed merger with Valley State Bank, Lamar, Colorado.

- Submitted, June 1, 2006 

Kansas City

Marshall & Ilsley Trust Company National Association, Milwaukee, Wisconsin -- 

report on competitive factors of the proposed merger with First Indiana Trust 

Company, N.A., Indianapolis, Indiana, and of First Indiana Trust Company's 

proposed purchase and assumption of the trust accounts of First Indiana Bank, N.A.

- Submitted, June 1, 2006 

Chicago

Marshfield Savings Bank, Marshfield, Wisconsin -- report on competitive factors of 

the proposed merger with Marshfield Interim Bank.

- Submitted, June 1, 2006 

Chicago

Smith River Community Bank, National Association, Martinsville, Virginia -- 

report on competitive factors of the proposed purchase of assets and assumption of 

liabilities of the Drakes branch of First Community Bank, N.A., Bluefield.

- Submitted, May 30, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 5 of 7
H.2 Actions under delegated authority May 28, 2006 to June 3, 2006

Competitive Factors Reports

Trustmark National Bank, Jackson, Mississippi -- report on competitive factors of 

the proposed merger with Republic National Bank, Houston, Texas.

- Submitted, June 1, 2006 

Atlanta

Vineyard Bank, National Association, Corona, California -- report on competitive 

factors of the proposed merger with Rancho Bank, San Dimas.

- Submitted, May 31, 2006 

San Francisco

Extensions Of Time

Belmont Financial Group, Inc., Chicago, Illinois -- extension to September 15, 

2006, to become a bank holding company and to acquire Belmont Bank & Trust 

Company, a de novo bank.

- Granted, June 1, 2006 

Chicago

Mid-Iowa Bancshares Co., Algona, Iowa -- extension to August 3, 2006, to engage 

in extending credit and servicing loans.

- Granted, May 31, 2006 

Chicago

State Street Bank and Trust Company, Boston, Massachusetts -- extension to June 

10, 2007, for CitiStreet International, LLC, Quincy, to invest in CitiStreet Australia 

Pty., Ltd.

- Granted, June 1, 2006 

Boston

Financial Holding Companies

Midland States Bancorp, Inc., Effingham, Illinois -- election to become a financial 

holding company.

- Effective, May 31, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 6 of 7
H.2 Actions under delegated authority May 28, 2006 to June 3, 2006

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on May 10, 2006.

- Published, May 31, 2006 

FOMC

Regulation CC -- technical amendments to Appendix A to reflect the restructuring 

of check processing operations in the New York and Philadelphia Federal Reserve 

Districts (Docket No. R-1256).

- Approved, May 30, 2006 

Secretary

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

Federal Reserve Bank of Boston

Filings received during the week ending June 3, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

06/12/2006

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

* 3A3 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 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 3, 2006

Filing Type Filer Filing Proposal End of Comment Period

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

06/09/2006

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

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.

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

Federal Reserve Bank of New York

Filings received during the week ending June 3, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

06/23/2006

New York Private Bank & Trust Corporation

and its wholly owned subsidiary, Emigrant

Bancorp, Inc., both of New York, New York,

pursuant to section 4(c)(8) of the Bank Holding

Company Act of 1956, as amended, to acquire

100 percent of the voting shares of New York

Private Bank & Trust, FSB, Wilmington,

Delaware, a de novo trust-only federal savings

bank, and thereby operate a savings association,

pursuant to section 225.28(b)(4) of Regulation

Y.

NEW YORK PRIVATE BANK &

TRUST CORPORATION

* 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

3506 INTERCHANGE BK, SADDLE BROOK, NEW JERSEY 10/24/2005 05/24/2006 S Large Bank

722816 SOLVAY BK, SOLVAY, NEW YORK 11/07/2005 05/31/2006 S Intermediate

Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending June 3, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 06/26/2006

05/15/2006

Royal Bancshares of Pennsylvania, Inc.,

Narberth, PA, to acquire Royal Asian Bank,

Philadelphia, PA, a proposed de novo bank to

be formed through the acquisition of assets and

the assumption of liabilities of certain offices of

Royal Bank America, Narberth, PA.

ROYAL BANCSHARES OF

PENNSYLVANIA, INC.

* 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 3, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 06/17/2006

06/19/2006

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.

Newspaper:

Federal Register:

* Branch

Not applicable

Sky Bank, Salineville, OH to establish a branch 06/10/2006

facility at 1340 Freeport Road, Pittsburgh, PA.

SKY BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Sky Bank, Salineville, OH to establish a branch 06/10/2006

facility at 3224 Northwest Boulevard, Upper

Arlington, OH.

SKY BANK

* 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 3, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Lancaster, Kilmarnock, Virginia, 06/09/2006

proposes to establish a branch at the

intersection of Routes 632 and 205, Colonial

Beach, Virginia.

BANK OF LANCASTER

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Bank of the Carolinas Corporation, Mocksville,

North Carolina, to become a bank holding

company by acquiring 100% of Bank of the

Carolinas, Mocksville, North Carolina.

Bank of the Carolinas Coproration

Newspaper:

Federal Register:

* 3A5

* 3A3

06/17/2006

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:

* Branch

Not applicable

Susquehanna Bank, Hagerstown, Maryland, 06/16/2006

proposes to establish a branch at Route 140 and

Englar Road, Westminster, Maryland.

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

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 3, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Florida Bank, Naples, Florida, to establish 06/09/2006

a branch located at 6150 Diamond Centre

Court, Unit 1100, Fort Myers, Florida, to be

known as the First Florida Bank Fort Myers

Office.

FIRST FLORIDA BANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

PCNB Corp., McComb, Mississippi, notice to

become a bank holding company by acquiring

Pike county National Bank, McComb,

Mississippi.

PCNB Corp

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Security Bank Corporation, Macon, Georgia

(Security), and its subsidiary, SBKC Interim

Bank(Interim), to acquire 100 percent of the

outstanding shares of common stock of

Homestead Bank, Suwanee, Georgia, by

merging with and into Interim. Interim will be

a Georgia state bank and wholly owned

acquisition subsidiary of Security, which will be

formed soley to facilitate the acquisition.

Homestead is a Georgia state chartered bank

located at 1380 Peachtee Industrial Boulevard,

Suwanee, Georgia. Interim will survive the

merger and will continue to operate under the

name "Security Bank of Gwinnett County."

Security Bank of Gwinnett County will be a

separate wholly owned subsidiary of Security

after the merger.

SECURITY BANK

CORPORATION

* 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 3, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 Not available

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:

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

Newspaper:

Federal Register:

* 18C Not available

Not applicable

M&I Marshall & Ilsley Bank, Milwaukee,

Wisconsin, to acquire the three Florida

branches of M&I Bank, FSB, Las Vegas,

Nevada.

M&I MARSHALL & ILSLEY

BANK

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 06/08/2006

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:

4c8 Not applicable

06/21/2006

Wauwatosa Holdings, Inc., Wauwatosa,

Wisconsin, and Lamplighter Financial, MHC,

Wauwatosa, Wisconsin, to continue to engage

in extending credit and servicing loans.

WAUWATOSA HOLDINGS,

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

1887516 BLOOMINGDALE B&T, BLOOMINGDALE, ILLINOIS 01/17/2006 05/11/2006 S Large Bank

503547 FAIRMOUNT ST BK, FAIRMOUNT, INDIANA 02/06/2006 05/24/2006 S Small Bank

956134 LA SALLE ST BK, LA SALLE, ILLINOIS 02/06/2006 05/15/2006 S Small Bank

474245 VILLA GROVE ST BK, VILLA GROVE, ILLINOIS 02/21/2006 05/29/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending June 3, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Cass Information Systems, Inc., Bridgeton,

Missouri, proposes to engage in data processing

through the acquisition of 100 percent of

NTransit, Inc., Wellington, Kansas.

CASS INFORMATION

SYSTEMS, INC.

Newspaper:

Federal Register:

* 3A5 Not available

06/30/2006

Mid-Missouri Bancshares, Inc., Springfield,

Missouri, to merge with First Financial

Bancshares, Inc., Springfield, Missouri, and

thereby indirectly acquire First National Bank

of Mount Vernon, Mount Vernon, Missouri.

MID-MISSOURI BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A5 Not available

06/30/2006

Mid-Missouri Bancshares, Inc., Springfield,

Missouri, to merge with Central States

Bancshares, Inc., Springfield, Missouri, and

thereby indirectly acquire Webb City Bank,

Webb City, Missouri.

MID-MISSOURI BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A1 06/26/2006

06/30/2006

Table Rock Bancshares Corporation,

Kimberling City, Missouri, to become a bank

holding company by acquiring 100 percent of

Table Rock Community Bank, Kimberling City,

Missouri (in organization).

TABLE ROCK BANCSHARES

CORPORATION

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending June 3, 2006

Filing Type Filer Filing Proposal End of Comment Period

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:

* 3A5 Not available

4c8 Not available

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:

* 3A1

4c8

06/16/2006

06/19/2006

Minnesota Bancshares, Inc., Maple Grove,

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

637750 CITIZENS ST BK OF CHOTEAU, CHOTEAU, MONTANA 02/13/2006 05/22/2006 S Small Bank

659855 FIRST INTRST BK, BILLINGS, MONTANA 04/18/2005 06/01/2006 S Large Bank

126553 NORTH SHORE BK OF COMMERCE, DULUTH, MINNESOTA 02/13/2006 05/22/2006 S Small Bank

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 3, 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:

* 3A1 Not available

07/03/2006

Farmers & Merchants Financial Corporation,

Ashland, Nebraska, to become a bank holding

company through the acquisition of 100 percent

of the voting shares of The Farmers and

Merchants National Bank of Ashland, Ashland,

Nebraska.

FARMERS AND MERCHANTS

FINANCIAL CORPORATION

Newspaper:

Federal Register:

CIC Not available

06/22/2006

Notice by Vernon R. Pfaff and Barbara Ann

Pfaff, as husband and wife acting in concert and

as co-trustees of the Daniel R. Burkley Trust;

and Tiffany K. Pfaff, all of Fairbury, Nebraska,

to acquire control of First National Fairbury

Corporation, parent of First National Bank of

Fairbury, both in Fairbury, Nebraska.

FIRST NATIONAL FAIRBURY

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:

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

485054 BANK OF ELGIN, ELGIN, NEBRASKA 02/21/2006 05/16/2006 S Small Bank

353359 COLORADO MOUNTAIN BK, WESTCLIFFE, COLORADO 02/21/2006 05/18/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending June 3, 2006

Filing Type Filer Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 3, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

First Mountain Bancorp to become a bank

holding company by acquiring 100 percent of

First Mountain Bank, both of Big Bear Lake,

California.

First Mountain Bancorp

Newspaper:

Federal Register:

* 3A3 06/11/2006

06/09/2006

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:

* 3A1 Not available

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

Newspaper:

Federal Register:

* 3A1 Not available

06/09/2006

San Joaquin Bancorp to become a bank holding

company by acquiring 100 percent of San

Joaquin Bank, both of Bakersfield, California.

SAN JOAQUIN 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

496171 F&M BK, SPOKANE, WASHINGTON 02/06/2006 05/31/2006 S Intermediate

Small Bank

160360 OREGON PACIFIC BKG CO, FLORENCE, OREGON 01/23/2006 05/18/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act