Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 9

Week Ending March 4, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions February 26, 2006 to March 4, 2006

Testimony And Statements

Regulatory Relief -- statement by Governor Kohn before the Senate Committee on 

Banking, Housing, and Urban Affairs.

- Published, March 1, 2006 

Forms

Forms -- final Board review to revise without extension the Consolidated Financial 

Statements for Bank Holding Companies (FR Y-9C), Parent Company Only 

Financial Statements for Large Bank Holding Companies (FR Y-9LP), and Parent 

Company Only Financial Statements for Small Bank Holding Companies (FR Y9SP).

- Approved, February 28, 2006 

Regulations And Policies

Community Reinvestment Act -- final interagency guidance regarding recent 

revisions to the implementing regulations.

- Approved, March 1, 2006 

Enforcement

Civitas BankGroup, Inc., Franklin, Tennessee -- written agreement dated April 21, 

2005, terminated February 21, 2006.

- Announced, March 2, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
February 26, 2006 to March 4, 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

Adirondack Bank, Utica, New York -- to establish a de novo branch at 9544 Depot 

Street, Holland Patent.

- Approved, March 2, 2006 

New York

AmSouth Bank, Birmingham, Alabama -- to establish branches at the intersection 

of Highway 98 and Beckrich Road, Panama City, Florida; 2587 South County 

Highway 395, Santa Rosa Beach; the intersection of State Road 674 and U.S. 

Highway 301, Sun City Center; 7799 North Wickham Road, Melbourne; and the 

intersection of Steed Road and Highland Colony Parkway, Madison, Mississippi.

- Approved, March 3, 2006 

Atlanta

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 2025 Sonoma Park 

Drive, Oklahoma City, Oklahoma.

- Approved, March 1, 2006 

St. Louis

Bank of the James, Lynchburg, Virginia -- to establish a branch at 4935 Boonsboro 

Road, Suite C.

- Approved, March 3, 2006 

Richmond

Community Bank of Boone, Boone, Iowa -- to establish a branch at 1601 West 

Lakes Parkway, Suite 100, West Des Moines.

- Approved, February 27, 2006 

Chicago

Community Banks of Colorado, Greenwood Village, Colorado -- to establish a 

branch at 10 Crested Butte Way, Mt. Crested Butte.

- Approved, February 27, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority February 26, 2006 to March 4, 2006

Bank Branches, Domestic

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 1379 North Shoop 

Avenue, Wauseon.

- Approved, March 3, 2006 

Cleveland

First Community Bank, Taos, New Mexico -- to establish a branch at 3600 Mitchell 

Drive, Suite 50-B, Fort Collins, Colorado.

- Approved, March 2, 2006 

Secretary

Old Second Bank-Yorkville, Yorkville, Illinois -- to establish a branch at 7050 

Burroughs Avenue, Plano.

- Approved, February 28, 2006 

Chicago

Virginia Heritage Bank, Fairfax, Virginia -- to provide a courier service to pick up 

noncash deposits from business customers.

- Approved, February 27, 2006 

Richmond

Bank Holding Companies

Bank of Choice Holding Company, Greeley, Colorado -- to acquire The First 

National Bank of Arvada, Arvada.

- Approved, February 28, 2006 

Kansas City

CBS Banc-Corp, Russellville, Alabama -- to acquire Farmers Bank, Cornersville, 

Tennessee.

- Approved, March 3, 2006 

Atlanta

Central Pacific Financial Corp., Honolulu, Hawaii -- relief from a certain 

commitment.

- Granted, March 1, 2006 

San Francisco

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority February 26, 2006 to March 4, 2006

Bank Holding Companies

Citizens Bancshares, Inc., ESOP, Edmond, Oklahoma -- to acquire up to 40 percent 

of the shares of Citizens Bancshares, Inc., parent of Citizens Bank of Edmond.

- Approved, February 28, 2006 

Kansas City

Floridian Financial Group, Inc., Ormond Beach, Florida -- to become a bank 

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

- Approved, February 27, 2006 

Atlanta

Iowa State Bank Holding Company, Des Moines, Iowa -- to hold real estate for the 

purpose of economic development.

- Withdrawn, February 28, 2006 

Chicago

Peoples Bancshares of TN, Inc., Madisonville, Tennessee -- to become a bank 

holding company and to acquire Peoples Bank of East Tennessee.

- Approved, March 3, 2006 

Atlanta

Wells Fargo & Company, San Francisco, California -- to acquire Fremont National 

Bank of Canon City, Canon City, Colorado, and Centennial Bank of Pueblo, Pueblo.

- Approved, February 28, 2006 

Secretary

Wintrust Financial Corporation, Lake Forest, Illinois -- to acquire Old Plank Trail 

Community Bank, National Association, New Lenox, a de novo bank.

- Approved, February 28, 2006 

Chicago

Banks, Foreign

State Export-Import Bank of Ukraine, Inc., Kiev, Ukraine -- to establish a 

representative office in New York, New York.

- Withdrawn, March 3, 2006 

New York

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority February 26, 2006 to March 4, 2006

Change In Bank Control

Sequatchie County Bancorp, Inc., Dunlap, Tennessee -- change in bank control.

- Permitted, March 3, 2006 

Atlanta

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

- Withdrawn, March 1, 2006 

Kansas City

Competitive Factors Reports

The Columbia Bank, Columbia, Maryland -- report on competitive factors of the 

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

branch of Hagerstown Trust Company, Hagerstown.

- Submitted, February 28, 2006 

Richmond

Commercebank, National Association, Coral Gables, Florida -- report on 

competitive factors of the proposed merger with Florida Savings Bank, Pinecrest.

- Submitted, February 27, 2006 

Atlanta

First-Citizens Bank & Trust Company, Raleigh, North Carolina -- report on 

competitive factors of the proposed merger with First Citizens Bank, National 

Association, Roanoke, Virginia.

- Submitted, February 28, 2006 

Richmond

Pacific Western National Bank, Santa Monica, California -- report on competitive 

factors of the proposed merger with Foothill Independent Bank, Glendora.

- Submitted, March 2, 2006 

San Francisco

United Community Bank, Blairsville, Georgia -- report on competitive factors of 

the proposed merger with United Community Bank Tennessee, Lenior City, 

Tennessee.

- Submitted, February 28, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority February 26, 2006 to March 4, 2006

Competitive Factors Reports

Walden Federal Savings & Loan Association, Walden, New York -- report on 

competitive factors of the proposed merger with Interim I and Interim II, in 

connection with the conversion and reorganization of Hometown Bancorp MHC.

- Submitted, February 28, 2006 

New York

Extensions Of Time

CenterBank Financial, Inc., Northfield, Illinois -- extension to May 29, 2006, to 

become a bank holding company and to acquire CenterBank and Trust, National 

Association, Deerfield, a de novo bank.

- Granted, February 27, 2006 

Chicago

First Wyoming Financial Corporation, Wyoming, Delaware -- extension to June 5, 

2006, to become a bank holding company and to acquire First National Bank of 

Wyoming.

- Granted, March 3, 2006 

Philadelphia

Gateway Financial Holdings, Inc., Elizabeth City, North Carolina -- extension to 

June 5, 2006, to acquire up to 9.9 percent of the shares of Commonwealth 

Bankshares, Inc., Norfolk, Virginia, and thereby acquire up to 9.9 percent of the 

shares of Bank of the Commonwealth.

- Granted, March 1, 2006 

Richmond

Hamilton State Bancshares, Inc., Braselton, Georgia -- extension to June 15, 2006, 

to become a bank holding company and to acquire Hamilton State Bank.

- Granted, February 28, 2006 

Atlanta

Iowa State Bank, Wapello, Iowa -- extension to May 23, 2006, to establish a branch 

at 1403 South Roosevelt Avenue, Burlington.

- Granted, February 27, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority February 26, 2006 to March 4, 2006

Financial Holding Companies

First National of Illinois, Inc., Omaha, Nebraska -- election to become a financial 

holding company.

- Effective, March 2, 2006 

Kansas City

Ohnward Bancshares, Inc., Maquoketa, Iowa -- election to become a financial 

holding company.

- Effective, March 2, 2006 

Chicago

Regulations And Policies

Regulation AA (Unfair or Deceptive Acts or Practices) -- technical amendments to 

update the addresses of the Federal Reserve Banks where consumer complaints 

regarding a state member bank may be sent (Docket No. R-1252).

- Approved, March 1, 2006 

Secretary

Regulation B (Equal Credit Opportunity) -- technical amendments to update the 

addresses of certain federal enforcement agencies (Docket No. R-1251).

- Approved, March 1, 2006 

Secretary

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

Federal Reserve Bank of Boston

Filings received during the week ending March 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

03/06/2006

02/27/2006

Application by Wessagussett Mutual Holding

Company and Wessagussett Bancorp, Inc.,

both of Weymouth, Massachusetts, to become a

mutual bank holding company and a stock

bank holding company, respectively

(collectively, the Applicants), by acquiring

Weymouth Bank, Weymouth, Massachusetts,

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

Bank Holding Company Act of 1956, as

amended.

WESSAGUSSETT MUTUAL

HOLDING COMPANY

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending March 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Export-Import Bank of Ukraine ("EXIM

Bank")Kiev, Ukraine, to establish a

representative office in New York, New York,

pursuant to Section 10(a) of the International

Banking

Act of 1978, as amended, and Section

211.24(a)(1) of Regulation K.

STATE EXPORT-IMPORT

BANK OF UKRAINE, 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

541101 BANK OF NY, NEW YORK, NEW YORK 05/16/2005 02/22/2006 S Large 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 March 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

East Penn Bank, Emmaus, PA, to establish a 03/14/2006

branch office at 2985 Macarthur Road,

Whitehall Township, Lehigh County, PA.

EAST PENN 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 March 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

533227 METAMORA ST BK, METAMORA, OHIO 12/05/2005 02/26/2006 O Small 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 March 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Farmers & Merchants Bank, Timbreville, 03/16/2006

Virginia proposes to establish a branch at #1

East Luray Shopping Center, East Main Street,

Luray, Virginia.

FARMERS & MERCHANTS

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 March 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

AmSouth Bank, Birmingham, Alabama, to 03/09/2006

establish a branch located at 920 Cedar Lake

Road, Suite K, Biloxi, Mississippi, to be

known as the Cedar Lake Branch.

AMSOUTH BANK

Newspaper:

Federal Register:

CIC Not available

02/27/2006

Southeastern Bank Financial Corporation,

Augusta, Georgia, after-the-fact change in

control notification filed by the Pollard Family

Group (Jennie Floyd Pollard, Robert W.

Pollard, Jr., Patricia D. Pollard, Zachary

Duncan Pollard, Ann Elizabeth Pollard,

Richard Daniel Blanton, Patricia Pollard

Blanton, Thomas Vinson Blanton, II, Jennie

Briggs Blanton, Clayton Edward Blanton, Lee

Blanton West, Levi Anderson Pollard, V, Levi

Anderson Pollard, VI, Lucy Ann Pollard,

Pollard Land Company, all of Appling,

Georgia, and Robert William Pollard, III,

Evans, Georgia, Richard Daniel Blanton, Jr.,

Carrollton, Georgia, Lynn Pollard Nickerson

and Paul Rush Battle, both of Atlanta, Georgia,

and RWP, Sr. Enterprises, LLLP, Appling,

Georgia, Robert W. Pollard, Jr., Patricia

Pollard Blanton, Levi Anderson Pollard, V,

and Lynn Pollard Nickerson, general partners),

to retain 47.9 percent of Southeastern Bank

Financial Corporation, and its subsidiary bank,

Georgia Bank & Trust, both of Augusta,

Georgia.

SOUTHEASTERN BANK

FINANCIAL 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

704737 BANK OF ST PETERSBURG, TAMPA, FLORIDA 10/31/2005 02/20/2006 S Small Bank

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 March 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 04/03/2006

Capitol Bancorp, Ltd., Lansing, Michigan, to

acquire 51 percent of the voting shares of

Asian Bank of Arizona (in organization),

Phoenix, Arizona; Capitol Bancorp

Development Limited IV, Lansing, Michigan,

to become a bank holding company by

acquiring 51 percent of the voting shares of

Asian Bank of Arizona (in organization),

Phoenix, Arizona, and Asian American

Financial Services, Inc., Lansing, Michigan, to

become a bank holding company by acquiring

51 percent of the voting shares of Asian Bank

of Arizona (in organization), Phoenix,

Arizona.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Detroit, Michigan, to establish 03/02/2006

two branch facilities to be located at 7306 E.

Shea Blvd., Scottsdale, Arizona, and 6540

Irvine Center Drive, Irvine, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 801 N. San

Fernando Blvd., Burbank, California.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 03/20/2006

03/23/2006

Community State Bank Employee Stock

Ownership Plan and Trust, Union Grove,

Wisconsin, to increase its ownership to 33.95

percent of the voting shares of Union

Bancorporation, Inc., Union Grove, Wisconsin,

and thereby indirectly acquire Community

State Bank, Union Grove, Wisconsin.

COMMUNITY STATE BANK

EMPLOYEE STOCK

OWNERSHIP PLAN AND

TRUST

Newspaper:

Federal Register:

* 3A3 Not available

03/24/2006

First Mid-Illinois Bancshares, Inc., Mattoon,

Illinois, to acquire 100 percent of the voting

shares of Mansfield Bancorp, Inc., Mansfield,

Illinois, and thereby indirectly acquire Peoples

State Bank of Mansfield, Mansfield, Illinois.

FIRST MID-ILLINOIS

BANCSHARES, INC.

Newspaper:

Federal Register:

* 4c8 Not available

03/06/2006

Mainsource Financial Group, Inc., Greensburg,

Indiana, to acquire 100 percent of the voting

shares of HFS Bank, F.S.B., Hobart, Indiana,

and thereby operate a savings association.

MAINSOURCE FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 4c8 03/09/2006

MainSource Financial Group, Inc.,

Greensburg, Indiana, to merge with Peoples

Ohio Financial Corporation, Troy, Ohio, and

thereby indirectly acquire Peoples Savings

Bank of Troy, Troy, Ohio, and thereby operate

a savings association.

MAINSOURCE FINANCIAL

GROUP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

Not available

Midwest Banc Holdings, Inc., Melrose Park,

Illinois, to acquire 100 percent of the voting

shares of Royal American Corporation,

Inverness, Illinois, and thereby indirectly

acquire Royal American Bank, Inverness,

Illinois, and by Midwest Bank and Trust

Company, Elmwood Park, Illinois, to merge

with Royal American Bank, Inverness, Illinois,

and thereby to establish 7 branches.

MIDWEST BANC HOLDINGS,

INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending March 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 03/17/2006

03/24/2006

Minier Financial, Inc. Employee Stock

Ownership Plan w/401(k) Provisions, Minier,

Illinois, to become a bank holding company by

acquiring between 25 and 51 percent of the

voting shares of Minier Financial, Inc., Minier,

Illinois, and thereby indirectly acquire First

Farmers State Bank, Minier, Illinois.

MINIER FINANCIAL, INC.

EMPLOYEE STOCK

OWNERSHIP PLAN W/401(K)

PROVISIONS

Newspaper:

Federal Register:

CIC Not available

03/14/2006

Notice by the Matthew J. and Gayle M. Ahlers

and the Matthew J. Ahlers Family (Matthew,

Gayle, Michael, Carolyn, Emily, Jeffrey, and

Matthew Jr.) Le Mars, Iowa, to increase

Matthew and Gayle's joint ownership and

control to 25.696% (when including shares

held in the names of their minor children) of

Primebank, Inc., Le Mars, Iowa and thereby

indirectly Primebank, Le Mars, Iowa.

PRIMEBANK, 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

653433 FARMERS ST BK WESTERN IL, ALPHA, ILLINOIS 11/15/2005 02/27/2006 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 March 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 03/11/2006

establish a branch facility to be located at

North Gretna Road at Highway 248 B,

Branson, Missouri.

ARVEST BANK

Newspaper:

Federal Register:

* 3A5 03/27/2006

03/31/2006

DBT Financial Corporation, DeWitt,

Arkansas, to merge with Planters & Merchants

Bancshares, Inc., Gillett, Arkansas, and

thereby indirectly acquire Planters &

Merchants Bank, Gillett, Arkansas.

DBT FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

* 18C

* Branch

03/31/2006

First Financial Banc Corporation, El Dorado,

Arkansas, to acquire 100 percent of

Cornerstone Bank, Senatobia, Mississippi.

Also, First Financial Bank, El Dorado,

Arkansas, to merge with Cornerstone Bank,

Senatobia, Mississippi, and to retain the

acquired facilities as branch offices.

FIRST FINANCIAL BANC

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

First Financial Bank, El Dorado, Arkansas, to 03/11/2006

establish a branch facility to be located at 535

Highway 35 South, Carthage, Mississippi.

FIRST FINANCIAL BANK

Newspaper:

Federal Register:

* 3A5 03/24/2006

03/24/2006

First M & F Corporation, Kosciusko,

Mississippi, to merge with Crockett County

Bancshares, Inc., Bells, Tennessee, and thereby

indirectly acquire Bells Banking Company,

Bells, Tennessee.

FIRST M & F CORPORATION

Newspaper:

Federal Register:

* 3A3 04/05/2006

03/31/2006

German American Bancorp, Jasper, Indiana, to

acquire 14.9 percent of Indiana Bank Corp.,

Terre Haute, Indiana, and thereby indirectly

acquire The First National Bank of Dana,

Dana, Indiana.

GERMAN AMERICAN

BANCORP

* 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 March 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Lake Bank Shares, Inc., Employee Stock

Ownership Plan, Emmons, Minnesota,

proposes to increase its ownership of Lake

Bank Shares, Inc., Emmons, Minnesota, from

35.68 percent to 65.67 percent.

LAKE BANK SHARES, INC.

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A1 Not available

03/03/2006

Salish and Kootenai Bancorporation, Polson,

Montana, to become a bank holding company

by acquiring 100 percent of the capital stock of

Eagle Bank, Polson, Montana, a de novo bank.

SALISH AND KOOTENAI

BANCORPORATION

Newspaper:

Federal Register:

* 3A3

Member

03/20/2006

03/17/2006

Westbrand, Inc., Minot, North Dakota, to

acquire 100 percent of First Western Bank,

Eden Prairie, Minnesota, and incident thereto,

First Western Bank, Eden Prairie, Minnesota,

a de novo bank, to become a member of the

Federal Reserve System.

WESTBRAND, 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

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 March 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 03/17/2006

03/02/2006

First Fidelity Bancorp, Inc., Oklahoma City,

Oklahoma, to acquire 100 percent of the voting

shares of First Fidelity Bank, N.A., Phoenix,

Arizona (in organization).

FIRST FIDELITY BANCORP,

INC.

Newspaper:

Federal Register:

CIC Not available

03/09/2006

Notification by Trenton W. Brown, Ponca City,

Oklahoma; Lisa D. Kessler, Scottsdale,

Arizona; Mark R. Brown, Scottsdale, Arizona;

Mary J. Brown, Arkansas City, Kansas; R. A.

Brown, Arkansas City, Kansas; Roger A.

Brown, Arkansas City, Kansas; Suzanne W.

Brown, Arkansas City, Kansas; Charlotte B.

Delaney, Winnetka, Illinois; and Rebecca R.

Warren, Ponca City, Oklahoma, to acquire

control of HNB Corporation, Arkansas City,

Kansas, parent of Home National Bank,

Blackwell, Oklahoma.

HNB CORPORATION

Newspaper:

Federal Register:

CIC 03/16/2006

03/21/2006

Notice by Harvey H. Delaney and Barbara A.

Delaney, Burdett, Kansas, to retain control of

NSB Bancshares, Inc., parent of Nekoma State

Bank, both in La Crosse, Kansas.

NSB BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 03/20/2006

03/24/2006

Sundance State Bank Profit Sharing and

Employee Stock Ownership Plan and Trust, to

increase its ownership from 26.06 percent to

26.73 percent of the voting shares of the

Sundance Bankshares, Inc., parent of

Sundance State Bank, all located in Sundance,

Wyoming.

SUNDANCE STATE BANK

PROFIT SHARING AND

EMPLOYEE STOCK

OWNERSHIP PLAN AND

TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

WestStar Bank, Vail, Colorado, to establish a 03/16/2006

branch at 113 Lost Creek Lane, Suite B,

Mountain Village, Colorado.

WESTSTAR BANK

* 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 March 4, 2006

Filer Filing Type 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 March 4, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 03/28/2006

03/27/2006

Canyon Bancorp, Palm Springs, California, to

become a bank holding company by acquiring

100 percent of Canyon National Bank, Palm

Springs, California. Also elects to become a

financial holdling company.

CANYON BANCORP

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Taiwan Cooperative Bank, Taipei, Taiwan, to

retain the Seattle, Washington, and Los

Angeles, California, branch offices of Farmers

Bank of China, as a result of the merger of

Farmers Bank of China, with and into Taiwan

Cooperative Bank.

TAIWAN COOPERATIVE

BANK

Newspaper:

Federal Register:

* 3A5 03/05/2006

02/27/2006

Western Alliance Bancorporation to merge

with Intermountain First Bancorp, and thereby

indirectly acquire Nevada First Bank, all of Las

Vegas, Nevada.

WESTERN ALLIANCE

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

1158832 PACIFIC ST BK, STOCKTON, CALIFORNIA 11/07/2005 02/27/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act