Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 37

Week Ending September 10, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions September 4, 2005 to September 10, 2005

Bank Holding Companies

Associated Banc-Corp, Green Bay, Wisconsin -- to merge with State Financial 

Services Corporation, Milwaukee, and thereby acquire State Financial Bank, 

National Association, Hales Corners.

- Approved, September 6, 2005 

Testimony And Statements

Commodity Futures Modernization Act of 2000 -- statement by Patrick M. 

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

Committee on Banking, Housing, and Urban Affairs.

- Published, September 8, 2005 

(AC) = Addition or Correction Board - Page 1 of 1
September 4, 2005 to September 10, 2005

BS&R

C&CA

FOMC

RBOPS

IF

OSDM

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

Reserve Bank Operations and Payment Systems

International Finance

Office of Staff Director for Management

H.2 Actions under delegated authority

Bank Branches, Domestic

Banco Popular North America, New York, New York -- to establish a branch at 310 

East Houston Street.

- Approved, September 8, 2005 

New York

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish branches at Mill 

Road and Sixth Street, Tempe, Arizona; and Beam Avenue and Southlawn Drive, 

Maplewood, Minnesota.

- Approved, September 8, 2005 

Chicago

SunTrust Bank, Atlanta, Georgia -- to establish branches at 74 Blake Boulevard, 

Celebration, Florida, and 6289 PGA Boulevard, Palm Beach Gardens.

- Approved, September 9, 2005 

Atlanta

Virginia Bank and Trust Company, Danville, Virginia -- to establish a branch near 

the intersection of Highway 58 West and Charming Road.

- Approved, September 8, 2005 

Richmond

WestStar Bank, Vail, Colorado -- to establish a branch temporarily at 123 West 

Hampden Avenue, Unit A, Englewood, to be moved to 500 West Hampden Avenue.

- Approved, September 8, 2005 

Kansas City

Bank Holding Companies

Norddeutsche Landesbank Girozentrale, Hannover, Germany -- to engage de novo, 

through Nord/LB Financial Services LLC, in financial and investment advisory 

services.

- Approved, September 9, 2005 

New York

(AC) = Addition or Correction Delegated - Page 1 of 5
H.2 Actions under delegated authority September 4, 2005 to September 10, 2005

Bank Holding Companies

Northside Bancshares, Inc., Adairsville, Georgia -- to become a bank holding 

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

- Approved, September 9, 2005 

Atlanta

Sandy Spring Bancorp, Inc., Olney, Maryland -- to acquire West Financial Services, 

Inc., McLean, Virginia, and thereby engage in investment advisory and related 

activities.

- Approved, September 9, 2005 

Richmond

Change In Bank Control

Citizens First Corporation, Bowling Green, Kentucky -- change in bank control.

- Permitted, September 8, 2005 

St. Louis

Competitive Factors Reports

Associated Bank, National Association, Green Bay, Wisconsin -- report on 

competitive factors of the proposed merger with State Financial Bank, National 

Association, Hales Corner.

- Submitted, September 9, 2005 

Chicago

Citibank USA, National Association, Sioux Falls, South Dakota -- report on 

competitive factors of the proposed purchase of assets and assumption of liabilities 

of Associates Capital Bank, Inc., Salt Lake City, Utah.

- Submitted, September 6, 2005 

San Francisco

Farmers State Bank, LaGrange, Indiana -- report on competitive factors of the 

proposed merger with First National Bank of Fremont, Fremont.

- Submitted, September 8, 2005 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 5
H.2 Actions under delegated authority September 4, 2005 to September 10, 2005

Competitive Factors Reports

First Bank & Trust, SB, Paris, Illinois -- report on competitive factors of the 

proposed merger with Rantoul First Bank, S.B., Rantoul.

- Submitted, September 8, 2005 

Chicago

First Financial Bank, National Association, Hamilton, Ohio -- report on competitive 

factors of the proposed merger with First Financial Bancorp Services, Middletown.

- Submitted, September 6, 2005 

Cleveland

First Security Bank, Searcy, Arkansas -- report on competitive factors of the 

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

Security Bank of Clarksville, Clarksville.

- Submitted, September 7, 2005 

St. Louis

GE Money Bank, Salt Lake City, Utah -- report on competitive factors of the 

proposed assumption of certain liabilities of GE Capital Financial Inc.

- Submitted, September 6, 2005 

Cleveland

JPMorgan Chase Bank, National Association, Columbus, Ohio -- report on 

competitive factors of the proposed merger with Bank One Trust Company, N.A.

- Submitted, September 8, 2005 

New York

Lakeland Bank, Newfoundland, New Jersey -- report on competitive factors of the 

proposed corporate reorganization with Newton Trust Company, Newton.

- Submitted, September 8, 2005 

New York

MVB Bank, Inc., Fairmont, West Virginia -- report on competitive factors of the 

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

Charles Town, West Virginia, branch of Susquehanna Bank, Hagerstown, Maryland.

- Submitted, September 8, 2005 

Richmond

(AC) = Addition or Correction Delegated - Page 3 of 5
H.2 Actions under delegated authority September 4, 2005 to September 10, 2005

Competitive Factors Reports

Royal Asian Bank, Philadelphia, Pennsylvania -- report on competitive factors of 

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

Bank America, PA, in connection with a reorganization.

- Submitted, September 7, 2005 

Philadelphia

Extensions Of Time

Central Financial Corporation, Hutchinson, Kansas -- extension to December 8, 

2005, to acquire up to 17.66 percent of the shares of Parkway National Bancshares, 

Inc., Plano, Texas.

- Granted, September 8, 2005 

Kansas City

MontroseBank, Montrose, Colorado -- extension to December 9, 2005, to establish 

a branch at the intersection of Highway 133 and Grand Avenue, Paonia.

- Granted, September 9, 2005 

Kansas City

Regions Bank, Birmingham, Alabama -- extension to October 4, 2006, to establish a 

branch at the intersection of Highway 161 and Las Colinas Boulevard, Irving, Texas.

- Granted, September 8, 2005 

Atlanta

S&T Bancorp, Inc., Indiana, Pennsylvania -- extension to December 6, 2005, to 

acquire up to 24.99 percent of the shares of Allegheny Valley Bancorp, Inc., 

Pittsburgh.

- Granted, September 6, 2005 

Cleveland

Financial Holding Companies

Southern Community Bancshares, Inc., Fayetteville, Georgia -- election to become a 

financial holding company.

- Effective, September 8, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 5
H.2 Actions under delegated authority September 4, 2005 to September 10, 2005

International Operations

Charter One Bank, National Association, Cleveland, Ohio -- to establish a branch in 

the Cayman Islands, British West Indies.

- Approved, September 9, 2005 

Boston

Citizens Bank, National Association, Albany, New York -- to establish a branch in 

the Cayman Islands, British West Indies.

- Approved, September 9, 2005 

Boston

Membership

Community First Bank-Chicago, Chicago, Illinois, a de novo bank -- to become a 

member of the Federal Reserve System.

- Approved, September 8, 2005 

Chicago

Susquehanna Bank PA, Lititz, Pennsylvania -- to become a member of the Federal 

Reserve System.

- Approved, September 9, 2005 

Philadelphia

Susquehanna Bank, Hagerstown, Maryland -- to become a member of the Federal 

Reserve System.

- Approved, September 9, 2005 

Richmond

(AC) = Addition or Correction Delegated - Page 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending September 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 09/27/2005

10/03/2005

CNB Financial Corp., Worcester,

Massachusetts to become a bank holding

company through the acquisition of 100% of the

capital stock of Commonwealth National Bank,

Worcester, Massachusetts.

CNB FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Application by The Connecticut Bank and Trust

Company to open two branches, one at 148

Broad Street, Windsor, Connecticut and the

second at 435 Hartford Turnpike, Vernon,

Connecticut, pursuant to section 9 of the

Federal Reserve Act and section 208.6 of

Regulation H.

CONNECTICUT BANK &

TRUST COMPANY, THE

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Application by Southern Connecticut Bancorp,

Inc., New Haven, Connecticut to acquire 100%

of the voting shares of The Bank of

Southeastern Connecticut, New London,

Connecticut, a de novo bank, pursuant to

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

Act of 1956, as amended.

SOUTHERN CONNECTICUT

BANCORP, INC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending September 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Deutsche Genossenschafts-Hypothekenbank

AG, Hamburg, Germany, requests prior

approval to establish a NY rep office.

DEUTCHE

GENOSSENSCHAFTS-HYPOTH

EKENBANK AG

Newspaper:

Federal Register:

* 18C

Not applicable

First Tier Bank and Trust, Olean, New York 10/02/2005

seeks prior approval for Bath National Bank,

Bath, New York, National Bank of Geneva,

Geneva, New York, and Wyoming County

Bank, Warsaw, New York, to merge with and

into First Tier Bank, pursuant to Section 18(c)

of the Federal Deposit Insurance Act and,

incident thereto, pursuant to Section 9 of the

Federal Reserve Act, to establish branches.

FIRST TIER BANK & TRUST

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

The Governor and Company of The Bank of

Ireland, Dublin, Ireland to establish a

representative office in Los Angeles, California,

pursuant to Section 10(a) of the International

Banking Act of 1978, and Section

211.24(a)(2)(i)(B)of Reg K.

GOVERNOR AND COMPANY

OF THE BANK OF IRELAND,

THE

Newspaper:

Federal Register:

* 3A5 09/11/2005

09/15/2005

NBT Bancorp Inc., Norwich, New York,

proposes to merge with CNB Bancorp, Inc., and

thereby indirectly acquire City National Bank

and Trust Company, both of Gloversville, New

York, pursuant to Section 3(a)(5) of the Bank

Holding Company Act and 225.15 of

Regulation Y.

NBT BANCORP INC.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending September 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Orrstown Bank, Shippensburg, PA, to establish 09/26/2005

a branch office to be located at 308 Carolle

Street, Greencastle Borough, Franklin County,

PA.

ORRSTOWN 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 September 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

10/07/2005

Application by CB Financial Services, Inc.,

Carmichaels, PA to acquire 100 percent of the

voting shares of Community Bank, N.A.,

Washington, PA

CB Financial Services, 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 September 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

FNB Southeast, Reidsville, North Carolina to 09/16/2005

establish a branch at 1001 Military Cutoff

Road, Wilmington, North Carolina.

FNB SOUTHEAST

Newspaper:

Federal Register:

* Branch

Not applicable

The Marathon Bank, Winchester, Virginia, to 09/20/2005

establish a branch at 2051 Northwestern Pike,

Winchester, Virginia.

MARATHON BANK, THE

Newspaper:

Federal Register:

* Branch

Not applicable

Potomac Bank of Virginia, Fairfax, Virginia, to 09/16/2005

establish a branch at Land Unit 2 Riverside

Parkway, Loudoun County, Virginia.

POTOMAC BANK OF

VIRGINIA

* 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 September 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco Popular Espanol, S.A., Madrid, Spain, to

establish an international representative office

in Miami, Florida.

BANCO POPULAR ESPANOL,

S.A.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Cornerstone Bancshares, Inc., Chattanooga,

Tennessee, to acquire 100 percent of the

outstanding shares of Eagle Financial LLC.,

and Eagle Funding, LLC, both of Chattanooga,

Tennessee, and thereby engage in making,

acquiring, brokering or servicing loans or other

extensions of credit, pursuant to section

225.28(b)(1) of Regulation Y and section

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

CORNERSTONE

BANCSHARES, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Florida Gulf Bancorp, Inc., notice to become a

bank holding company by acquiring 100

percent of the outstanding shares of Florida

Gulf Bank, both of Fort Myers, Florida.

Florida Gulf Bancorp, Inc.

Newspaper:

Federal Register:

CIC Not available

Not available

General Bancshares, Inc., Jasper, Tennessee,

prior change in control filed by Robert Thomas,

Monteagle, Tennessee; Robert Thomas, Jr.,

Signal Mountain, Tennessee; David Thomas,

Chattanooga, Tennessee; and Frank Thomas;

Monteagle, Tennessee, to aquire 3.60 percent of

the outstanding stock of General Bancshares,

Inc., and its subsidiary bank, Citizens State

Bank, both of Jasper, Tennessee. Pro forma

total ownership will be 27.35 percent.

GENERAL BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

General Bancshares, Inc., Jasper, Tennessee,

prior change in control filed by Clara Brown,

Jasper, Tennessee, to acquire 1.62 percent of

the outstanding stock of General Bancshares,

Inc., and its subsidiary bank, Citizens State

Bank, Jasper, Tennessee. Pro forma total

ownership will be 12.32 percent.

GENERAL BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 09/13/2005

branch located at 415 - 14th Street S.E.,

Washington, D.C., to be known as the 14th &

Kentucky Safeway Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 09/13/2005

branches at the following locations: the

intersection of Route 214 and Pike Ridge Road,

Edgewater, Maryland, to be known as the

Edgewater Safeway Office; and 210 Cobb

Parkway, South, Marietta, Georgia, to be

known as the Marietta Trade Center Wal-Mart

Money Center.

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 September 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/31/2005

09/26/2005

Notice by Mark Tolliver, Orland Park, Illinois

and Catherine Averill, Orland Park, Illinois, to

acquire 99 percent of Admiral Family Banks,

Inc., Alsip, Illinois, and thereby indirectly

acquire Federated Bank, Onarga, Illinois.

ADMIRAL FAMILY BANKS,

INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Bank Iowa, Denison, Iowa, to become a

member in the Federal Reserve System.

BANK IOWA

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 Not available

Capitol Bancorp, Ltd., Lansing, Michigan, to

acquire 51 percent of the voting shares of

Capitol Development Bancorp Limited III,

Lansing, Michigan, and thereby indirectly

acquire Bank of Belleville (in organization),

Belleville, Illinois, and by Capitol Development

Bancorp Limited III, Lansing, Michigan, to

become a bank holding company by acquiring

51 percent of the voting shares of Bank of

Belleville (in organization), Belleville, Illinois.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch

Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 08/25/2005

Wisconsin, to establish two branch facilities to

be located at Mill Road and Sixth Street,

Tempe, Arizona, and Beam Avenue &

Southlawn Drive, Maplewood, Minnesota.

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

CIC 08/23/2005

08/22/2005

Notice by Ben D. Grimstad, Decorah, Iowa and

Joseph L. Grimstad, Decorah, Iowa,

individually, to acquire control of 40.1 percent

of Security Agency, Inc., Decorah, Iowa, and

thereby indirectly Decorah Bank & Trust

Company, Decorah, Iowa.

SECURITY AGENCY, INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending September 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/06/2005

German American Bancorp, Jasper, Indiana, to

acquire 9.8 percent of Eclipse Bank, Inc.,

Louisville, Kentucky (in organization).

GERMAN AMERICAN

BANCORP

Newspaper:

Federal Register:

* Branch

Not applicable

Premier Bank of Jacksonville, Jacksonville, 09/19/2005

Illinois, to establish a branch facility to be

located at 2110 B Troy Road, Edwardsville,

Illinois.

PREMIER BANK OF

JACKSONVILLE

* 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 September 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Abdo Investments, Inc., Edina, Minnesota, to

become a bank holding company by acquiring

up to 24.2 percent of Rivers Ridge Holding

Company, Edina, Minnesota, which owns

BankVista, Sartell, Minnesota.

ABDO INVESTMENTS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/06/2005

Bridgewater Bancshares, Inc., Bloomington,

Minnesota to become a bank holding company

by acquiring 100% of Bridgewater Bank,

Bloomington, Minnesota, a de novo bank.

BRIDGEWATER

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

First Security Bank of Missoula, Missoula, 09/10/2005

Montana, to merge with First State Bank,

Thompson Falls, Montana and incident thereto

proposes to establish branches at 107 South

Fulton, Thompson Falls, Montana, 510 West

Railroad, Plains, Montana, and, 590 North

Montana, Dillon, Montana.

FIRST SECURITY BANK OF

MISSOULA

* 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 September 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Bank of Kremlin, Kremlin, Oklahoma, to 09/21/2005

establish a branch at 3901 Lamesa Drive, Enid,

Oklahoma.

BANK OF KREMLIN, THE

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

De Soto State Bank, De Soto, Kansas, to merge 10/03/2005

with Great American Bank, Claycomo,

Missouri, and incident thereto, to establish a

branch.

DE SOTO STATE BANK

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

FirstBank, Antlers, Oklahoma, to increase its

investment in bank premises in the amount of

$2,410,390.

FIRSTBANK

Newspaper:

Federal Register:

* 3A3 09/29/2005

09/26/2005

Hometown Bancshares, Inc., Carthage,

Missouri, to acquire 51 percent of the voting

shares of OakStar Bancshares, Inc., and thereby

indirectly acquire OakStar Bank, National

Association, both of Springfield, Missouri.

HOMETOWN BANCSHARES,

INC.

Newspaper:

Federal Register:

* 3A1 09/29/2005

09/26/2005

OakStar Bancshares, Inc., Springfield,

Missouri, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of OakStar Bank, National

Association (in organization), Springfield,

Missouri.

OAKSTAR 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

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 September 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 09/30/2005

10/03/2005

FC Holdings, Inc., Houston, Texas, and FC

Holdings of Delaware, Inc., Wilmington,

Delaware, to acquire by merger Bosque

Corporation, Meridian, Texas, and indirectly

acquire Bosque County Bank, Meridian, Texas.

FC HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A3 Not available

10/07/2005

North American Bancshares, Inc., Sherman,

Texas, and Texoma Holding Company Inc.,

Dover, Delaware, to acquire 100 percent of

State Bank and Trust of Seguin, Texas, Seguin,

Texas.

NORTH AMERICAN

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 10/01/2005

10/03/2005

Prosper Bancshares, Inc., Dallas, Texas, and

Prosper Delaware Financial Corp., Dover,

Delaware, to become bank holding companies

by acquiring 100 percent of Prosper State Bank,

Prosper, Texas.

PROSPER BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/03/2005

South Texas Bancshares, Inc., Grand Prairie,

Texas, to become a bank holding company by

acquiring 100 percent of Caprock Bancshares,

Inc., Shallowater, Texas, and indirectly acquire

First State Bank, Shallowater, Texas.

SOUTH TEXAS BANCSHARES,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

TexasBank, Fort Worth, Texas, to establish a 09/22/2005

branch to be located at 13388 North Freeway,

Fort Worth, Texas 76177.

TEXASBANK

* 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 September 10, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Cathay General Bancorp, Los Angeles,

California, to acquire up to 100 percent of Great

Eastern Bank, New York, New York.

CATHAY GENERAL BANCORP

Newspaper:

Federal Register:

* Branch

Not applicable

Oak Valley Community Bank, Oakdale, 09/15/2005

California, to establish a branch facility at 5250

Claremont Avenue, Stockton, California.

OAK VALLEY COMMUNITY

BANK

Newspaper:

Federal Register:

* 3A3 10/03/2005

10/03/2005

Zions Bancorporation, Salt Lake City, Utah, to

acquire 100 percent of Amegy Bancorporation,

Inc., and thereby indirectly acquire its

subsidiary, Amegy Bank, N.A., both of

Houston, Texas.

ZIONS BANCORPORATION

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act