Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 17

Week Ending April 29, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions April 23, 2006 to April 29, 2006

Testimony And Statements

Economic Outlook -- statement by Chairman Bernanke before the Joint Economic 

Committee of the U.S. Congress.

- Published, April 27, 2006 

Regulations And Policies

Sound Practices for Finance Activities -- publication for comment of revised 

Interagency Statement on Sound Practices Concerning Elevated Risk Complex 

Structured Finance Activities (Docket No. OP-1189).

- Approved, April 25, 2006 

Enforcement

Allfirst Bank, Baltimore, Maryland -- issuance of an order of prohibition against 

David Cronin, a former executive vice president and treasurer.

- Announced, April 24, 2006 

Allfirst Bank, Baltimore, Maryland -- issuance of an order of prohibition against 

Robert Ray, a former senior vice president.

- Announced, April 24, 2006 

The Bank of New York, New York, New York -- written agreement with the New 

York State Banking Department and the Federal Reserve Bank of New York.

- Announced, April 24, 2006 

Sella Holding Banca, S.p.A., Biella, Italy, and Sella Holding Banca, S.p.A., Miami 

Agency, Miami, Florida -- written agreement with the State of Florida Office of 

Financial Regulation and the Federal Reserve Bank of Atlanta.

- Announced, April 24, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
April 23, 2006 to April 29, 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

AmSouth Bank, Birmingham, Alabama -- to establish a branch at the intersection of 

Innsbrooke Boulevard and Shelbyville Highway 231, Murfreesboro, Tennessee.

- Approved, April 24, 2006 

Atlanta

Baylake Bank, Sturgeon Bay, Wisconsin -- to establish a branch at 2502 Lineville 

Road, Green Bay.

- Approved, April 25, 2006 

Chicago

Capital City Bank, Tallahassee, Florida -- to establish a branch at 5200 Newberry 

Road, Gainesville.

- Approved, April 25, 2006 

Secretary

Compass Bank, Birmingham, Alabama -- to establish a branch at 4115 East Colfax 

Avenue, Denver, Colorado.

- Approved, April 27, 2006 

Atlanta

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 50 East 

Ontario Street, Chicago, Illinois.

- Approved, April 27, 2006 

Cleveland

First Capital Bank, Glen Allen, Virginia -- to establish a branch at 1504 Santa Rosa 

Road, Suite 102, Richmond.

- Approved, April 28, 2006 

Richmond

First Financial Bank, El Dorado, Arkansas -- to establish a branch at 510 Highway 

35 South, Carthage, Mississippi.

- Approved, April 27, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority April 23, 2006 to April 29, 2006

Bank Branches, Domestic

HomeTown Bank, Roanoke, Virginia -- to establish a branch at 13400 Booker T. 

Washington Highway, Moneta.

- Approved, April 25, 2006 

Richmond

Regions Bank, Birmingham, Alabama -- to establish a branch at 1471 Timberlane 

Road, Tallahassee, Florida.

- Approved, April 25, 2006 

Atlanta

Regions Bank, Birmingham, Alabama -- to establish a branch at 3112 Zelda Road, 

Montgomery.

- Approved, April 28, 2006 

Atlanta

Bank Holding Companies

CitizensAda Financial Corporation, Ada, Oklahoma -- to become a bank holding 

company and to acquire Citizens Bank of Ada.

- Approved, April 28, 2006 

Kansas City

Collegiate Peaks Bancorp, Inc., Denver, Colorado -- to become a bank holding 

company and to acquire Collegiate Peaks Bank, Buena Vista.

- Withdrawn, April 26, 2006 

Kansas City

Evergreen Bancshares, Inc., Two Harbors, Minnesota -- to become a bank holding 

company and to acquire The Lake Bank.

- Approved, April 26, 2006 

Minneapolis

The Farmers Bancorp, Frankfort, Indiana, Frankfort, Indiana -- to retain Farmers 

Bank Reinsurance Co. Ltd.

- Withdrawn, April 25, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority April 23, 2006 to April 29, 2006

Bank Holding Companies

FC Holdings, Inc., Houston, Texas -- to acquire Texas National Bancshares, Inc., 

Tomball, and thereby acquire Tomball Delaware Corporation, Wilmington, 

Delaware, and its subsidiary, Texas National Bank, Tomball.

- Approved, April 26, 2006 

Dallas

Forstrom Bancorporation, Inc., Clara City, Minnesota -- to acquire Yellow 

Medicine Bancshares, Inc., Granite Falls, and thereby acquire Yellow Medicine 

County Bank.

- Approved, April 28, 2006 

Minneapolis

Indiana Business Bancorp, Indianapolis, Indiana -- to become a bank holding 

company and to acquire Indiana Business Bank.

- Approved, April 27, 2006 

Chicago

Madison Financial Corporation, Madison, Mississippi -- relief from a commitment.

- Withdrawn, April 27, 2006 

Atlanta

Mercantile Bankshares Corporation, Baltimore, Maryland -- waiver of application 

to merge with James Monroe Bancorp, Inc., Arlington, Virginia.

- Granted, April 26, 2006 

Richmond

Mountain Commerce Bancorp, Inc., Johnson City, Tennessee -- to become a bank 

holding company and to acquire Erwin National Bank, Erwin.

- Withdrawn, April 25, 2006 

Atlanta

NebraskaLand Financial Services, Inc., North Platte, Nebraska -- to acquire 92.5 

percent of the shares of Commerce Bank of Wyoming, N.A., Rock Springs, 

Wyoming, a de novo bank.

- Approved, April 25, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority April 23, 2006 to April 29, 2006

Bank Holding Companies

South Georgia Bank Holding Company, Omega, Georgia -- to merge with 

Community National Bancorporation, Ashburn, and thereby acquire Community 

National Bank.

- Approved, April 27, 2006 

Atlanta

Southwest Capital Holdings, Inc., Fort Myers, Florida -- to become a bank holding 

company and to acquire Southwest Capital Bank, National Association, a de novo 

bank.

- Approved, April 28, 2006 

Atlanta

Umpqua Holdings Corporation, Portland, Oregon -- waiver of application to acquire 

Western Sierra Bancorp, Cameron Park, California, and for Western Sierra National 

Bank, Auburn Community Bank, Auburn, Central California Bank, Sonora, and 

Lake Community Bank, Lakeport, to merge with Umpqua Bank.

- Granted, April 28, 2006 

San Francisco

Bank Mergers

First Community Bank, Emporia, Kansas -- to purchase certain assets and assume 

certain liabilities of the Emporia branch of State Bank of Kansas, Fredonia, and 

thereby establish a branch.

- Approved, April 26, 2006 

Kansas City

First Financial Banc Corporation, El Dorado, Arkansas -- to acquire Cornerstone 

Bank, Senatobia, Mississippi; and for First Financial Bank, El Dorado, Arkansas, to 

merge with Cornerstone Bank and retain the acquired facilities as branches.

- Approved, April 27, 2006 

St. Louis

Johnson Bank, Racine, Wisconsin -- to merge with Johnson Bank Arizona, National 

Association, Phoenix, Arizona, and thereby establish branches.

- Approved, April 26, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority April 23, 2006 to April 29, 2006

Banks, Nonmember, And Miscellaneous Institutions

NYCE Corporation, Woodcliff Lake, New Jersey -- relief from certain 

commitments.

- Granted, April 27, 2006 

Director, BS&R

Change In Bank Control

The Bridger Company, Bridger, Montana -- change in bank control.

- Permitted, April 28, 2006 

Minneapolis

City Bancshares, Inc., Natchitoches, Louisiana -- to retain control of City 

Bancshares, Inc.

- Permitted, April 26, 2006 

Dallas

Wilburton State Bancshares, Inc., Wilburton, Oklahoma -- change in bank control.

- Permitted, April 26, 2006 

Kansas City

Competitive Factors Reports

Farmers and Merchants Trust Company of Chambersburg, Chambersburg, 

Pennsylvania -- report on competitive factors of the proposed merger with The 

Fulton County National Bank and Trust Company, McConnellsburg.

- Submitted, April 24, 2006 

Philadelphia

First Financial Bank and Trust Co., Plaquemine, Louisiana -- report on competitive 

factors of the proposed merger with First Financial Trust Company, Irving, Texas.

- Submitted, April 25, 2006 

Atlanta

First National Bank, Independence, Kansas -- report on competitive factors of the 

proposed merger with Olathe State Bank, Olathe, Colorado.

- Submitted, April 27, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority April 23, 2006 to April 29, 2006

Competitive Factors Reports

Northeast Community Bancorp, Inc., White Plains, New York -- report on 

competitive factors of the proposed mergers of Northeast Community Interim 

Federal Savings Bank and Northeast Community MHC Interim Federal Savings 

Bank with Northeast Community Bank, New York.

- Submitted, April 25, 2006 

New York

Extensions Of Time

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

Springs, New York -- extension to July 28, 2006, to acquire additional shares of 473 

Broadway Holding Corporation and of The Adirondack Trust Company.

- Granted, April 27, 2006 

New York

Arvest Bank, Fayetteville, Arkansas -- extension to June 30, 2006, to establish a 

branch at 1107 South Rogers Street, Clarksville.

- Granted, April 28, 2006 

St. Louis

Virginia Commerce Bank, Arlington, Virginia -- extension to October 28, 2006, to 

establish a branch at 9161 Liberia Avenue, Manassas.

- Granted, April 25, 2006 

Richmond

Financial Holding Companies

CitizensAda Financial Corporation, Ada, Oklahoma -- election to become a 

financial holding company.

- Effective, April 28, 2006 

Kansas City

Membership

Citizens Bank of Oklahoma, Pawhuska, Oklahoma -- to become a member of the 

Federal Reserve System.

- Approved, April 24, 2006 

Kansas City

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

Federal Reserve Bank of Boston

Filings received during the week ending April 29, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Braintree Bancorp MHC, Braintree, MA -

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

Braintree Co-operative Bank, Braintree, MA

Braintree Bancorp MHC

Newspaper:

Federal Register:

* Branch

Not applicable

Application by The Connecticut Bank and Trust 04/28/2006

Company to open a de novo branch in

Newington, 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:

* 3A1 05/22/2006

05/22/2006

Application filed by Leader Bancorp, Inc.,

Arlington, Massachusetts to acquire 100% of

the common stock of Leader Bank, National

Association, Arlington, Massachusetts,

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

1956, as amended.

LEADER 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 April 29, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

The Governor and Company of The Bank of 05/17/2006

Ireland, Dublin, Ireland, to establish a branch

office in Stamford, Connecticut, pursuant to

Section 211.24(a)(2)(i)(A) of Reg K.

GOVERNOR AND COMPANY

OF THE BANK OF IRELAND,

THE

Newspaper:

Federal Register:

* 3A3 05/15/2006

05/19/2006

HSBC Holdings plc and HSBC Overseas

Holdings (UK) Limited, both of London, United

Kingdom, and their direct and indirect U.S.

subsidiaries, HSBC North America Holdings

Inc., HSBC Investments (North America) Inc.,

HSBC North America Inc., all of Wilmington,

Delaware, and HSBC USA Inc., Baltimore,

Maryland ("HUSA") to acquire a bank pursuant

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

Company Act of 1956, as amended, by

converting HUSA''s limited purpose and

non-depository trust bank subsidiary, HSBC

Trust Company (Delaware), N.A., Wilmington,

Delaware, into a full service bank.

HSBC HOLDINGS PLC

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

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 April 29, 2006

Filing Type Filer Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

1479470 WOODLANDS BK, WILLIAMSPORT, PENNSYLVANIA 11/14/2005 04/19/2006 O Small Bank

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 April 29, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Premises Not applicable

Andover Bank, Andover, OH to establish a 05/03/2006

branch at 451/455 South High Street, Cortland,

OH and request to exceed its limt of investment

in brank premises as permitted under Section

24A of the Federal Reserve Act.

ANDOVER BANK, THE

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 03/31/2006

establish a branch at 50 East Ontario Street,

Chicago, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Portage Community Bank, Ravenna, OH to 05/04/2006

establish a branch at 1532 South Water Street,

Kent, OH.

PORTAGE COMMUNITY 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

614313 STATE B&TC, DEFIANCE, OHIO 01/30/2006 04/18/2006 S Large Bank

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 April 29, 2006

Filing Type Filer Filing Proposal End of Comment Period

NONE

* 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 April 29, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 05/24/2006

05/08/2006

Algiers Bancorp, Inc., Baton Rouge, Louisiana,

prior change in control notice by the Robin and

Cherie Arkley Revocable Algiers Bancorp Stock

Trust, Eureka, California, with Robin P. Arkley

II and Cherie P. Arkley, Eureka, California, as

trustees to acquire 57 percent; the Allison E.

Arkley Trust #5, Eureka, California, with

Calvin Richard Jones, managing member of

CTT, LLC, Eureka, California, and John L.

Piland as trustees to acquire 19 percent; and the

Elizabeth A. Arkley Trust #5, with Calvin

Richard Jones, managing member of CTT,

LLC, Eureka, California, and John L. Piland as

trustees to acquire 19 percent; and Jack J.

Mendheim and Stephanie C. Mendheim,

Folsom, Louisiana, to acquire 5 percent of the

outstanding shares of Algiers Bancorp, Inc.,

Baton Rouge, Louisiana, and its subsidiary,

Statewide Bank, Terrytown, Louisiana.

Collectively, this represents 100 percent

transfer of ownership.

ALGIERS BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of St. Petersburg, Tampa, Florida, to 05/02/2006

establish a branch located at 135 West Bay

Street, Jacksonville, Florida, to be known as

Bank of St. Petersburg Jacksonville Office.

BANK OF SAINT PETERSBURG

Newspaper:

Federal Register:

CIC 05/11/2006

05/10/2006

First National Bancshares of Central Alabama,

Inc., Aliceville, Alabama, change in control

notification filed by the Milner Limited

Partnership, Aliceville, Alabama, Susan

McKinzey Milner, general partner, to acquire

11.61 percent of the outstanding shares of First

National Bancshares of Central Alabama, Inc.,

and its subsidiary, First National Bank of

Central Alabama, both of Aliceville, Alabama.

FIRST NATIONAL

BANCSHARES OF CENTRAL

ALABAMA, INC.

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 05/15/2006

Hometown of Homestead, Inc., Ft. Pierce,

Florida (Hometown), to become a bank holding

company by acquiring 100 percent of the

outstanding shares of First of Homestead, Inc.,

and its subsidiary, 1st National Bank of South

Florida (Bank), both of Homestead, Florida.

Also enclosed are the applications by

Hometown Banking Company, Ft. Pierce,

Florida, to acquire 30 percent of the outstanding

shares of Hometown and Bank; The Prosperity

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

to acquire 10 percent of the outstanding shares

of Hometown and Bank; and Riverside Gulf

Coast Banking Company, Cape Coral, Florida,

to acquire 10 percent of the outstanding shares

of Hometown and Bank. Hometown will change

its name to Hometown of Homestead Banking

Company after consummation.

HOMETOWN OF HOMESTEAD,

INC.

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

Federal Reserve Bank of Atlanta

Filings received during the week ending April 29, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

Not available

RockBridge Financial Holdings, Inc., to become 05/29/2006

a bank holding company by acquiring 100

percent of the outstanding shares of RockBridge

Commercial Bank, both of Atlanta, Georgia.

RockBridge Financial Holdings,

Inc.

Newspaper:

Federal Register:

* 3A1 Not available

05/11/2006

SEE Trust, Miami, Florida, with Evan Marbin

as trustee, to become a bank holding company

through the acquisition of control of 25.32

percent ownership of TRANSATLANTIC

BANK, Miami, Florida.

SEE TRUST

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

Federal Reserve Bank of Atlanta

Filings received during the week ending April 29, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/10/2006

Southeastern Bank Financial Corporation,

Augusta, Georgia, after-the-fact change in

control notification filed by the Pollard Family

Group (Jennie Floyd Pollard; the Robert W.

Pollard, Jr. Section 2503(c) Trust for the

Benefit of Zachary Duncan Pollard, the Trust

dated February 1, 1984, for the Benefit of

Zachary Duncan Pollard, the Robert W. Pollard,

Jr. Section 2503(c) Trust for the Benefit of Ann

Elizabeth Pollard, the Trust dated December 17,

1985, for the Benefit of Ann Elizabeth Pollard,

the Robert W. Pollard, Jr. Section 2503(c) Trust

for the Benefit of Robert W. Pollard, III, and

the Trust dated February 1, 1984, for the

Benefit of Robert W. Pollard, III, Robert W.

Pollard, Jr. as Trustee and Individually; Patricia

D. Pollard; the Trust dated August 26, 1985, for

the Benefit of Levi Anderson Pollard, VI, and

the Trust dated July 1, 1986, for the Benefit of

Lucy Ann Pollard, Levi Anderson Pollard, V as

Trustee and Individually; Richard Daniel

Blanton; the Patricia Pollard Blanton Section

2503(c) Trust for the Benefit of Thomas Vinson

Blanton, II, the Trust dated August 26, 1985,

for the Benefit of Thomas Vinson Blanton, II,

the Patricia Pollard Blanton Section 2503(c)

Trust for the Benefit of Jennie Briggs Blanton,

the Trust dated January 1, 1992, for the Benefit

of Jennie Briggs Blanton, the Patricia Pollard

Blanton Section 2503(c) Trust for the Benefit of

Clayton Edward Blanton, the Trust dated

January 1, 1992, for the Benefit of Clayton

Edward Blanton, the Trust dated August 26,

1985, for the Benefit of Richard Daniel

Blanton, Jr., and the Trust dated August 26,

1985, for the Benefit of Lee Blanton West,

Patricia Pollard Blanton as Trustee and

Individually; Lee Blanton West; Pollard Land

Company; and RWP Sr. Enterprises, LLLP

(Robert W. Pollard, Jr., Lynn Pollard

Nickerson, Levi Anderson Pollard, V, and

Patricia Pollard Blanton, general partners), all

of Appling, Georgia; Robert William Pollard,

III, Evans, Georgia; Richard Daniel Blanton,

Jr., Carrollton, Georgia; and the Trust dated

August 26, 1985, for the Benefit of Paul Rush

Battle, Lynn Pollard Nickerson as Trustee and

Individually, all of Atlanta, Georgia), to retain

control of Southeastern Bank Financial

Corporation, and its subsidiary bank, Georgia

Bank & Trust, both of Augusta, Georgia.

SOUTHEASTERN BANK

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 05/07/2006

branch located at 800 43rd Avenue S.W., Vero

Beach, Florida, to be known as the Olso 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 April 29, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

05/19/2006

Alpha Bancorp, Inc., Chicago, Illinois, a

subsidiary of Metropoitan Bank Group, Inc.,

Chicago, Illinois, to acquire 100 percent of the

voting shares of Community Bank of DuPage

(in organization), Westmont, Illinois.

ALPHA BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

05/11/2006

Birmingham Bloomfield Bancshares, Inc.,

Birmingham, Michigan, to become a bank

holding company by acquiring 100 percent of

the voting shares of Bank of Birmingham (in

organization), Birmingham, Michigan.

BIRMINGHAM BLOOMFIELD

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

two branch facilities to be located at 3825

Crenshaw Blvd., Los Angeles, California, and

110 S. El Camino Real, Encinitas, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 3110 Crow

Canyon Place, San Ramon, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank of Berne, Berne, Indiana, to 04/24/2006

establish a branch facility to be located at

Christopher Crossing, Van Wert, Ohio.

FIRST BANK OF BERNE

Newspaper:

Federal Register:

* 3A1 Not available

05/19/2006

Gateway Banc Corp., Roscoe, Illinois, to

become a bank holding company by acquiring

100 percent of the voting shares of Gateway

Community Bank, Roscoe, Illinois.

GATEWAY BANC CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

M&I Marshall & Ilsley Bank, Milwaukee, 04/24/2006

Wisconsin, to establish a branches at the

following locations: 67th Avenue & Happy

Valley Road, Peoria, Arizona; Daisy Mountain

Drive & Anthem Way, Phoenix, Arizona; Shea

Boulevard & 116th Avenue, Scottsdale,

Arizona; 9000 Bonita Beach Road, Bonita

Springs, Florida; 2375 Tamiami Trail North,

#100, Naples, Florida; 4323 Milton Avenue,

Janesville, Wisconsin; 2740 N. Power Road,

Mesa, Arizona (a/k/a Power Road & McDowell

Road).

M&I MARSHALL & ILSLEY

BANK

Newspaper:

Federal Register:

* 3A1 05/07/2006

05/12/2006

Monarch Community Bancorp, Inc., Coldwater,

Michigan, to become a bank holding company

by acquiring 100 percent of the voting shares of

Monarch Community Bank, Coldwater,

Michigan.

MONARCH COMMUNITY

BANCORP, INC

Newspaper:

Federal Register:

CIC Not available

05/17/2006

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

Trustee of the Barbara K. Henson Living Trust,

Michael R. Henson and the Barbara K. Henson

Living Trust, all of Davenport, Iowa and acting

as a group to become the largest shareholder of

River Valley Bancorp, Inc., Davenport, Iowa.

RIVER VALLEY BANCORP,

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Southwest Bank of St. Louis, St. Louis,

Missouri, to merge with Missouri State Bank

and Trust Company, Clayton, Missouri, and

thereby to establish 8 branches.

SOUTHWEST BANK OF ST.

LOUIS

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

Federal Reserve Bank of Chicago

Filings received during the week ending April 29, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 05/01/2006

05/08/2006

Notice by The Valley Community Bancorp, Inc.

Voting Trust and its three trustees, Robert

Hoge, St. Charles, Illinois, Kenneth Kaergard,

St. Charles, Illinois, and Larry Breon, St.

Charles, Illinois, to acquire up to 100 percent of

the voting shares of Valley Community

Bancorp, Inc., St. Charles, Illinois, and thereby

indirectly acquire Valley Community Bank, St.

Charles, Illinois.

VALLEY COMMUNITY

BANCORP, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Viking State Bank & Trust, Decorah, Iowa, to

become a member of the Federal Reserve

System.

VIKING STATE BANK &

TRUST

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Waukon State Bank, Waukon, Iowa, to become

a member of the Federal Reserve System.

WAUKON STATE BANK

* 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

363648 SECURITY T&SB, STORM LAKE, IOWA 01/09/2006 04/20/2006 S Small Bank

334648 TITONKA SVG BK, TITONKA, IOWA 01/23/2006 04/20/2006 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 April 29, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 05/19/2006

05/22/2006

Enterprise Financial Services Corp., Clayton,

Missouri, to acquire 100 percent of NorthStar

Bancshares, Inc., North Kansas City, Missouri,

and thereby indirectly acquire NorthStar Bank,

National Association, North Kansas City,

Missouri.

ENTERPRISE FINANCIAL

SERVICES CORP

Newspaper:

Federal Register:

* Branch

Not applicable

First State Bank of St. Robert, St. Robert, 05/10/2006

Missouri, to establish a branch facility to be

located at 2365 North Highway 17, Iberia,

Missouri.

FIRST STATE BANK OF ST.

ROBERT

* 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

543253 SOUTHWEST BK, SAINT LOUIS, MISSOURI 08/15/2005 04/12/2006 O Large Bank

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 April 29, 2006

Filing Type Filer Filing Proposal End of Comment Period

NONE

* 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 April 29, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 05/15/2006

05/19/2006

Custer Bancorp., Westcliffe, Colorado, to

acquire 100 percent of the voting shares of

Paonia Financial Services, Inc., parent of

Paonia State Bank, both in Paonia, Colorado.

CUSTER BANCORP.

Newspaper:

Federal Register:

* 3A3 05/15/2006

05/15/2006

Dickinson Financial Corporation II and

Dickinson Financial Corporation, Kansas City,

Missouri, to acquire 100 percent of the voting

shares of Southern Commerce Bank, Tampa,

Florida.

DICKINSON FINANCIAL

CORPORATION II

Newspaper:

Federal Register:

* 3A3 Not available

05/12/2006

The Farmers State Bank of Fort Morgan,

Colorado Employee Stock Ownership Plan, to

acquire up to 38 percent of the voting shares of

FSB Bancorporation of Fort Morgan, Colorado,

parent of Farmers State Bank of Fort Morgan,

all in Fort Morgan, Colorado.

FARMERS STATE BANK OF

FORT MORGAN COLORADO

EMPLOYEE STOCK

OWNERSHIP PLAN, THE

Newspaper:

Federal Register:

* 3A3 Not available

05/19/2006

First Fidelity Bancorp, Inc., Oklahoma City,

Oklahoma, to acquire 100 percent of the voting

shares of Apex Mortgage Company, parent of

Edmond Bank and Trust, both in Edmond,

Oklahoma.

FIRST FIDELITY BANCORP,

INC.

Newspaper:

Federal Register:

CIC Not available

05/16/2006

Notification filed by the following, as a group

acting in concert: the Biegert Family 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:

* 18C

* Branch Not applicable

Union State Bank, Arkansas City, Kansas, to 05/22/2006

purchase certain assets and assume certain

liabilities of four branches of State Bank,

Winfield, Kansas.

UNION STATE BANK, THE

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

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 April 29, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 05/10/2006

05/11/2006

Notice filed by Voting Trust Agreement, to

retain ownership and control of 77.58 percent

of Coushatta Bancshares, Inc, Coushatta,

Louisiana, and indirectly Bank of Coushatta,

Coushatta, Louisiana. The Trustees and

beneficiaries are Mr. James G. Bethard, Mr.

Robert E. Bethard, both of Coushatta,

Louisiana, and Ms. Suzanne B. Hearne,

Shreveport, Louisiana. The other beneficiaries

of the trust are Mr. Henry William Bethard, III,

Ms. Olive Ann Bethard, Ms. Florence T.

Bethard, and Ms. Rhoda F. Bethard, each of

Coushatta, Louisiana, and Mr. Sanders F.

Hearne and Ms. Shirley Bethard Hegenwald,

both of Shreveport, Louisiana.

COUSHATTA BANCSHARES,

INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending April 29, 2006

Filing Type Filer Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/29/2006

03/30/2006

Notice by the Shen Group, consisting of Bruce

Hsiu-I Shen, Su Chin Lin Shen, Sen Fu Shen,

Faye Shen, Rancho Palos Verdes, California,

Ted Tai-Hsi Shen and Allison Chiang, San

Marino, California, and Hsinya Shen, Palo

Alto, California, to retain 17.2 percent of

American Premier Bancorp, Arcadia,

California, and thereby indirectly retain

ownership in American Premier Bank, Arcadia,

California.

AMERICAN PREMIER

BANCORP

Newspaper:

Federal Register:

CIC 03/15/2006

04/06/2006

Notice by the Sun Group, consisting of John

Chung-Yuan Sun, Judy Chen-Mei Sun, Rancho

Palos Verdes, California, and Jaclyn Chen-Hoa

Sun, New York, New York, to retain 11.4

percent ownership of American Premier

Bancorp, Arcadia, California, and thereby

indirectly retain ownership in American

Premier Bank, Arcadia, California.

AMERICAN PREMIER

BANCORP

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Chino Commerical Bancorp to become a bank

holding company by acquiring 100 percent of

Chino Commercial Bank, N.A., both of Chino,

California.

Chino Commercial Bancorp

Newspaper:

Federal Register:

* 3A1

4c8

05/14/2006

05/22/2006

1)Idaho Trust Bancorp, Boise, Idaho, to become

a bank holding company by acquiring 100

percent of Idaho Trust National Bank, Coeur

d'Alene, Idaho, and;2)Idaho Trust Bancorp,

Boise, Idaho, to engage in financial and

investment advisory services through Idaho

Trust Investments, LLC, Boise, Idaho.

IDAHO TRUST BANCORP

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Orient Bancorporation, San Francisco,

California, to acquire 100 percent of Orient

First Capital Limited, a Hong Kong deposit

taking company, pursuant to section 211.9(g) of

Regulation K.

ORIENT BANCORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

05/08/2006

Skagit State Bancorp to become a bank holding

company by acquiring 100 percent of Skagit

State Bank, both of Burlington, Washington.

SKAGIT STATE BANCORP

Newspaper:

Federal Register:

* 4c8 Not available

05/26/2006

Sterling Financial Corporation, Spokane,

Washingtion, to acquire 100 percent of

Lynnwood Financial Group, and thereby

indirectly acquire Golf Savings Bank,and Golf

Escrow Corporation, all of Mountlake Terrace,

Washington, and thereby engage in providing

real estate settlement services.

STERLING FINANCIAL

CORPORATION

* 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