Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 45

Week Ending November 5, 2005

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions October 30, 2005 to November 5, 2005

Board Operations

Division of Information Technology -- appointment of Jill Coss Rosen as Assistant 

Director with oversight for a new branch, National Information Center Systems.

- Approved, October 25, 2005 (AC)

Equal Employment Opportunity -- publication for comment of an interim rule to 

amend the Board's Rules Regarding Equal Opportunity to clarify the limitations on 

the employment of noncitizens in positions having access to sensitive information 

(Docket No. OP-1239).

- Approved, October 19, 2005 (AC)

Office of Board Members -- appointment of Brian J. Gross as Special Assistant to 

the Board for Congressional Liaison.

- Approved, October 31, 2005 

Discount Rates

Discount and Advance Rates -- increase in the primary credit rate from 4-3/4 

percent to 5 percent by twelve Federal Reserve Banks.

- Approved, November 1, 2005 

Reserve Bank Services

Federal Reserve Priced Services -- 2006 fee schedules for priced services and 

electronic access.

- Approved, November 2, 2005 

Federal Reserve Priced Services -- private sector adjustment factor for 2006.

- Approved, November 2, 2005 

Testimony And Statements

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

Committee of the U.S. Congress.

- Published, November 3, 2005 

(AC) = Addition or Correction Board - Page 1 of 1
October 30, 2005 to November 5, 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

Capital City Bank, Tallahassee, Florida -- to establish a branch at 1601 Bass Road, 

Macon, Georgia.

- Approved, November 2, 2005 

Secretary

The Citizens Bank, Batesville, Arkansas -- to establish a branch at 511 Sylamore 

Avenue, Mountain View.

- Approved, October 31, 2005 

St. Louis

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

branch at 409 East Main Street, Buena Vista.

- Approved, October 31, 2005 

Kansas City

Community First Bank, Corydon, Indiana -- to establish a branch at 316 West 

Tipton Street, Seymour.

- Approved, November 1, 2005 

St. Louis

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

mobile bank courier service to operate within a 35-mile radius of the bank's main 

office.

- Approved, November 3, 2005 

Chicago

Compass Bank, Birmingham, Alabama -- to establish branches at 2875 East Gulf to 

Lake Highway, Inverness, Florida; the intersection of San Jose Boulevard (S.R. 13) 

and Race Track Road, Jacksonville; and 3620 Southeast Maricamp Road, Ocala.

- Approved, November 4, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 9
H.2 Actions under delegated authority October 30, 2005 to November 5, 2005

Bank Branches, Domestic

Compass Bank, Birmingham, Alabama -- to establish a branch at 5115 East 

Baseline Road, Gilbert, Arizona.

- Approved, November 4, 2005 

Atlanta

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 366 South 

Kirkwood Road, Kirkwood, Missouri.

- Approved, November 1, 2005 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 7701 Forsyth 

Boulevard, St. Louis, Missouri.

- Approved, November 1, 2005 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 4110 

Richardson Road, Independence, Kentucky.

- Approved, November 1, 2005 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 19025 

Newburgh Road, Livonia.

- Approved, November 4, 2005 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 700 South 

Ballenger Highway, Flint.

- Approved, November 4, 2005 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2315 South 

Center Road, Burton.

- Approved, November 4, 2005 

Cleveland

(AC) = Addition or Correction Delegated - Page 2 of 9
H.2 Actions under delegated authority October 30, 2005 to November 5, 2005

Bank Branches, Domestic

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 7041 Schaefer 

Road, Dearborn.

- Approved, November 4, 2005 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1383 South 

Rochester Road, Rochester Hills.

- Approved, November 4, 2005 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 225 Aptakisic 

Road, Lincolnshire, Illinois.

- Approved, November 4, 2005 

Cleveland

First Charter Bank, Charlotte, North Carolina -- to establish a branch at 7541 

Creedmoor Road, Raleigh.

- Approved, November 2, 2005 

Richmond

First Charter Bank, Charlotte, North Carolina -- to establish a branch at 7210 Tryon 

Road, Cary.

- Approved, November 2, 2005 

Richmond

First Charter Bank, Charlotte, North Carolina -- to establish a branch at 1145 

Highway 70 West, Garner.

- Approved, November 2, 2005 

Richmond

IBERIABANK, Lafayette, Louisiana -- to establish branches at Coursey Boulevard 

and Jones Creek Road, Baton Rouge; Highland Road and Kenilworth Parkway; 

Airline Highway and Highway 42, Prairieville; Interstate 10 and Highway 73; and 

5900 Mounes, Metairie.

- Approved, November 3, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 3 of 9
H.2 Actions under delegated authority October 30, 2005 to November 5, 2005

Bank Branches, Domestic

IBERIABANK, Lafayette, Louisiana -- to establish a branch at Belle Terre 

Boulevard, LaPlace.

- Approved, November 3, 2005 

Atlanta

IBERIABANK, Lafayette, Louisiana -- to establish branches at Highway 21, 

Covington; and 2050 Gause Boulevard East, Slidell.

- Approved, November 4, 2005 

Atlanta

New Peoples Bank, Inc., Honaker, Virginia -- to establish a branch at 11421 Indian 

Creek Road, Pound.

- Withdrawn, October 31, 2005 

Richmond

Regions Bank, Birmingham, Alabama -- to establish a branch at 6503 North Point 

Parkway, Alpharetta, Georgia.

- Approved, November 4, 2005 

Atlanta

Security State Bank, New Hampton, Iowa -- to establish a branch at 610 Gilbert 

Street, Charles City.

- Approved, November 4, 2005 

Chicago

Southwest Bank of St. Louis, St. Louis, Missouri -- to establish a branch at 

Highway K and Laura Hill Road, O'Fallon.

- Approved, November 1, 2005 

Chicago

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 3000 Galloway Ridge, 

Suite 112, Pittsboro, North Carolina.

- Approved, November 1, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 4 of 9
H.2 Actions under delegated authority October 30, 2005 to November 5, 2005

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 5901 Harbour View 

Boulevard, Suffolk City, Virginia.

- Approved, November 1, 2005 

Atlanta

Tradition Bank, Houston, Texas -- to establish a branch at 3205 College Park Drive, 

The Woodlands.

- Approved, November 2, 2005 

Dallas

Bank Holding Companies

Border Bancshares, Inc., Greenbush, Minnesota -- relief from a commitment.

- Withdrawn, November 2, 2005 

Minneapolis

Clayton Bancorp, Inc., Henderson, Tennessee -- to merge with Bancshares of 

Camden, Inc., Camden, and thereby acquire Bank of Camden.

- Withdrawn, November 3, 2005 

St. Louis

Fidelity Holding Company, Minnetonka, Minnesota -- to become a bank holding 

company and to acquire Fidelity Bank, Edina.

- Approved, November 3, 2005 

Minneapolis

First Americano Financial Corporation, Elizabeth, New Jersey -- to become a bank 

holding company and to acquire First BankAmericano; and election to become a 

financial holding company.

- Approved, November 4, 2005 

New York

Flag Financial Corporation, Atlanta, Georgia -- to merge with First Capital Bancorp, 

Inc., Norcross, and thereby acquire First Capital Bank.

- Approved, November 3, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 5 of 9
H.2 Actions under delegated authority October 30, 2005 to November 5, 2005

Bank Holding Companies

Fortune Financial Corporation, Arnold, Missouri -- to become a bank holding 

company and to acquire FortuneBank, a de novo bank.

- Approved, November 3, 2005 

St. Louis

Henderson Texas Bancshares, Inc., Henderson, Texas, and TBH Nevada 

Corporation, Carson City, Nevada -- to become bank holding companies and to 

acquire Texas Bank, Henderson.

- Approved, November 4, 2005 

Dallas

SBT Bancorp, Inc., Simsbury, Connecticut -- to become a bank holding company 

and to acquire The Simsbury Bank & Trust Company, Inc.

- Approved, November 4, 2005 

Boston

Wallis Bancshares, Inc., Wallis, Texas, and Wallis Delaware Corporation, 

Wilmington, Delaware -- to become bank holding companies and to acquire Wallis 

State Bank.

- Approved, November 2, 2005 

Dallas

Banks, Foreign

Lloyds TSB Offshore Limited, St. Helier, Jersey -- to establish a representative 

office in Miami, Florida.

- Approved, November 1, 2005 

Director, BS&R

Change In Bank Control

B.O.E. Bancshares, Inc., Lawton, Oklahoma -- change in bank control.

- Permitted, October 31, 2005 

Kansas City

General Bancshares, Inc., Jasper, Tennessee -- change in bank control.

- Permitted, November 2, 2005 

Atlanta

(AC) = Addition or Correction Delegated - Page 6 of 9
H.2 Actions under delegated authority October 30, 2005 to November 5, 2005

Competitive Factors Reports

Alpine Bank, Glenwood Springs, Colorado -- report on competitive factors of the 

proposed merger with First National Bank, Telluride.

- Submitted, November 1, 2005 

Kansas City

American Banking Company, Moultrie, Georgia -- report on competitive factors of 

the proposed merger with Merchants and Farmers Bank, Donalsonville; Citizens 

Security Bank, Tifton; Heritage Community Bank, Quitman; Central Bank & Trust, 

Cordele; First National Bank of South Georgia, Albany; and Southland Bank, 

Dothan, Alabama.

- Submitted, November 1, 2005 

Atlanta

The First National Bank of Menahga, Menahga, Minnesota -- report on competitive 

factors of the proposed merger with Security State Bank of Sebeka, Sebeka.

- Submitted, November 4, 2005 

Minneapolis

Landmark National Bank, Manhattan, Kansas -- report on competitive factors of the 

proposed merger with First Savings Bank, F.S.B.

- Submitted, November 1, 2005 

Kansas City

THE National Bank, Edina, Minnesota -- report on competitive factors of the 

proposed merger with THE National Bank, Bettendorf, Iowa.

- Submitted, November 4, 2005 

Minneapolis

Timberwood Bank, Wabeno, Wisconsin -- report on competitive factors of the 

proposed merger with Timberwood, Ltd.

- Submitted, November 3, 2005 

Minneapolis

(AC) = Addition or Correction Delegated - Page 7 of 9
H.2 Actions under delegated authority October 30, 2005 to November 5, 2005

Extensions Of Time

Davis Bancorporation, Inc., Davis, Oklahoma -- extension to February 3, 2006, to 

acquire shares of Century Capital Financial, Inc., Kilgore, Texas, and its 

subsidiaries, Century Capital Financial-Delaware, Inc., Wilmington, Delaware, and 

City National Bank, Kilgore.

- Granted, November 2, 2005 

Kansas City

East-West Bank, San Marino, California -- extension to December 29, 2006, to 

establish a branch at 23737 Hawthorne Boulevard, Torrance.

- Granted, November 2, 2005 

San Francisco

The Farmers State Bank of Fort Morgan Colorado Employee Stock Ownership Plan, 

Fort Morgan, Colorado -- extension to May 18, 2006, to acquire up to 38 percent of 

the shares of FSB Bancorporation of Fort Morgan, Colorado, parent of Farmers 

State Bank of Fort Morgan.

- Granted, November 2, 2005 

Kansas City

First Centralia Bancshares, Inc., Centralia, Kansas -- extension to February 3, 2006, 

to acquire, directly and indirectly, shares of Century Capital Financial, Inc., Kilgore, 

Texas, and its subsidiaries, Century Capital Financial-Delaware, Inc., Wilmington, 

Delaware, and City National Bank, Kilgore.

- Granted, November 2, 2005 

Kansas City

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to February 5, 

2006, to establish a branch at Power and McDowell Roads, Mesa, Arizona.

- Granted, November 1, 2005 

Chicago

Mercantile Bancorp, Inc., Quincy, Illinois -- extension to January 18, 2006, to 

increase its ownership from 32.81 percent to 39.95 percent of the shares of New 

Frontier Bancshares, Inc., St. Charles, Missouri, and thereby increase its indirect 

control of New Frontier Bank.

- Granted, November 2, 2005 

St. Louis

(AC) = Addition or Correction Delegated - Page 8 of 9
H.2 Actions under delegated authority October 30, 2005 to November 5, 2005

Extensions Of Time

Morrill Bancshares, Inc., Merriam, Kansas -- extension to February 3, 2006, to 

acquire, directly and indirectly, shares of Century Capital Financial, Inc., Kilgore, 

Texas, and its subsidiaries, Century Capital Financial-Delaware, Inc., Wilmington, 

Delaware; and City National Bank, Kilgore.

- Granted, November 2, 2005 

Kansas City

Southwest Bank of St. Louis, St. Louis, Missouri -- extension to February 5, 2006, 

to establish a branch at Clarkson and Clayton Roads, Ellisville.

- Granted, November 1, 2005 

Chicago

Regulations And Policies

Short-term Interest Rates -- increase in the target for the federal funds rate from 3-

3/4 percent to 4 percent.

- Approved, November 1, 2005 

FOMC

(AC) = Addition or Correction Delegated - Page 9 of 9
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending November 5, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 10/14/2005

Application by Butler Bancorp, MHC and

Butler Bancorp, Inc., both of Lowell,

Massachusetts, to become a mutual bank

holding company and a stock bank holding

company, respectively, by acquiring Butler

Bank, Lowell, Massachusetts, pursuant to

section 3(a)(1) and section 3(a)(3) of the Bank

Holding Company Act of 1956, as amended.

BUTLER BANCORP, MHC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending November 5, 2005

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 November 5, 2005

Filer Filing Type 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

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 November 5, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/15/2005

11/28/2005

Interagency Notice of Change in Control filed

by Mr. Leonard Buckner, Mt. Eaton, OH

requesting prior approval to acquire up to

17.00 percent of the voting shares of Apple

Creek Banc Corp, Apple Creek, OH.

APPLE CREEK BANC CORP

Newspaper:

Federal Register:

* 3A3 Not available

12/05/2005

Whitaker Bank Corporation of Kentucky,

Lexington, KY to acquire the voting shares of

Berea Community Bank, Inc., Berea, KY (fka

Berea National Bank) pursuant to Section

3(a)(3) of the Bank Holding Company Act.

WHITAKER BANK

CORPORATION OF

KENTUCKY

* 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 November 5, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/15/2005

11/16/2005

Notice by Charles F. Sposato Flint

Trust/trustee Mark Wayne Saunders, Elkton,

Maryland, to control 33.68% of the voting

shares of Cecil Bancorp, Inc., Elkton,

Maryland.

CECIL BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 11/24/2005

11/29/2005

Gateway Financial Holdings, Inc., Elizabeth

City, North Carolina, to acquire up to 9.9% of

the outstanding common stock of

Commonwealth Bankshares, Inc., Norfolk,

Virginia, and thereby indirectly acquire up to

9.9% of the shares of Bank of the

Commonwealth, Norfolk, Virginia.

GATEWAY FINANCIAL

HOLDINGS, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Waccamaw Bank, Whiteville, North Carolina, 11/16/2005

to establish a branch facility located at 306

South Poplar Street, Elizabethtown, North

Carolina.

WACCAMAW 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 November 5, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Caja de Ahorros de Mediterraneo, Alicante, 11/21/2005

Spain, to establish an international agency

located in Miami, Florida.

CAJA DE AHORROS DE

MEDITERRANEO

Newspaper:

Federal Register:

* 3A1 11/22/2005

11/29/2005

Gateway Financial Holdings of Florida, Inc.,

Ormond Beach, Florida, to become a bank

holding company by acquiring 100 percent of

the outstanding shares of Gateway Bank of

Florida, Ormond Beach, Florida (in

organization).

GATEWAY FINANCIAL

HOLDINGS OF FLORIDA, INC.

Newspaper:

Federal Register:

* 3A5 11/24/2005

11/21/2005

Gwinnett Commercial Group, Inc.,

Lawrenceville, Georgia, to merge with Buford

Banking Group, Inc., Buford, Georgia, and

thereby acquire its subsidiary, Lanier

Community Bank, Buford, Georgia.

GWINNETT COMMERCIAL

GROUP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to branch 10/31/2005

establish branches at the following locations:

Highway 21, Covington, Louisiana, to be

known as the Covington Branch; and 2050

Gause Boulevard East, Slidell, Louisiana, to be

known as the Slidell Branch.

IBERIABANK

Newspaper:

Federal Register:

* 3A5 11/16/2005

11/15/2005

Security Bank Corporation, Macon, Georgia, to

merge with Rivoli BanCorp, Inc., and thereby

acquire its subsidiary, Rivoli Bank & Trust

Company, both of Macon, Georgia.

SECURITY BANK

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 11/11/2005

a branch located at 741 Duval Station Road,

Jacksonville, Florida, to be known as the Duval

Station.

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

2845755 FLAGLER BK, WEST PALM BEACH, FLORIDA 06/27/2005 10/16/2005 O 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 November 5, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

11/28/2005

Capitol Bancorp, Ltd. Lansing, Michigan and

Capitol Development Bancorp Limited III,

Lansing, Michigan, to acquire 51 percent of

the voting shares of Bank of Santa Barbara (in

organization), Santa Barbara, California.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A1 Not available

11/18/2005

CenterBank Financial, Inc., Northfield,

Illinois, to become a bank holding company by

acquiring 100 percent of the voting shares of

CenterBank and Trust, National Association

(in organization), Deerfield, Illinois.

CENTERBANK FINANCIAL,

INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

branch facilities to be located at 6812 Katella

Ave., Cypress, California; 318A Diablo Road,

Ste. 100, Danville, California; and 6301

Wilshire Blvd., Los Angeles, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

branch facilities to be located at 1825 S. Val

Vista Drive, Mesa, Arizona and 14801 N.

Scottsdale Road, Scottsdale, Arizona.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 Not available

12/05/2005

First Citizens Financial Corp., Mason City,

Iowa, to acquire 100 percent of Kanabec Credit

Company, Mora, Minnesota, and thereby

indirectly acquire Kanabec State Bank, Mora,

Minnesota.

FIRST CITIZENS FINANCIAL

CORP.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Midwest Bank, Itasca, Illinois, to

purchase the assets and assume the liabilities

of the Carpentersville, Illinois branch of Elgin

State Bank, Elgin, Illinois, and thereby to

establish a branch located at 2250 Randall

Road, Carpentersville, Illinois.

FIRST MIDWEST BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

First State Associates, Inc., Inc., Hawarden,

Iowa, to acquire the remaining 50 percent of

The Hawarden Banking Company, Hawarden,

Iowa, and thereby indirectly own 100 percent

of First State Bank, Hawarden, Iowa.

FIRST STATE ASSOCIATES,

INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Indiana Bank Corp., Terre Haute, Indiana, to

become a bank holding company by acquiring

100 percent of the voting shares of The First

National Bank of Dana, Dana, Indiana.

Indiana Bank Corp.

Newspaper:

Federal Register:

CIC 10/20/2005

10/31/2005

Notice by James Jay Johnson, Sutherland,

Iowa, to gain control of R & J Financial

Corporation, Inc., Elma, Iowa, and thereby

indirectly Peoples Savings Bank, Charles City,

Iowa.

R & J FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Salin Bank and Trust Company, Indianapolis, 11/03/2005

Indiana, to establish a branch facility to be

located at 716 East Main Street, Gas City,

Indiana.

SALIN BANK AND TRUST

COMPANY

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

Federal Reserve Bank of Chicago

Filings received during the week ending November 5, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Security State Bank, New Hampton, Iowa, to 10/30/2005

establish a branch facility at 610 Gilbert Street,

Charles City, Iowa.

SECURITY STATE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

United Community Bank of Lisle, Lisle, 11/09/2005

Illinois, to establish a branch facility to be

located at 5450 Subiaco Drive, Lisle, Illinois.

UNITED COMMUNITY BANK

OF LISLE

* 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

280044 BAYLAKE BK, STURGEON BAY, WISCONSIN 07/05/2005 10/31/2005 O Large Bank

2333298 FIRST B&T, EVANSTON, ILLINOIS 06/20/2005 10/20/2005 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St.Louis

Filings received during the week ending November 5, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

Not available

Clay County State Bancshares, Inc., Louisville, 11/26/2005

Illinois, to become a bank holding company by

acquiring 100 percent of Clay County State

Bank, Louisville, Illinois.

CLAY COUNTY STATE

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 11/10/2005

11/14/2005

Notice by Clarence Ray Brewer, Jr., Central

City, Kentucky, to gain control of Community

Bancorp of McLean County, Kentucky, Inc.,

Island, Kentucky.

COMMUNITY BANCORP OF

MCLEAN COUNTY,

KENTUCKY,INC

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

First Bank, St. Louis, Missouri, to merge with 11/30/2005

First National Bank of Sachse, Sachse, Texas,

and to retain the acquired main office facility

as a branch office.

FIRST BANK

Newspaper:

Federal Register:

* 3A3 11/30/2005

12/02/2005

First Banks, Inc., Hazelwood, Missouri, and its

subsidiary bank holding company, The San

Francisco Company, San Francisco, California,

to acquire 100 percent of First National Bank

of Sachse, Sachse, Texas.

FIRST BANKS, INC.

Newspaper:

Federal Register:

* 3A5 11/30/2005

11/28/2005

German American Bancorp, Jasper, Indiana, to

merge with Stone City Bancshares, Inc.,

Bedford, Indiana, and thereby indirectly

acquire Stone City Bank of Bedford, Bedford,

Indiana.

GERMAN AMERICAN

BANCORP

Newspaper:

Federal Register:

CIC

Not available

Notice by the Carlisle Family Control Group, 11/16/2005

Holly Springs, Mississippi, to retain control of

Holly Springs Bancshares, Inc., Holly Springs,

Mississippi. The Carlisle Family Control

Group consists of Dennis C. Carlisle, Sr.,

Martha Carlisle, Dennis Carlisle, Jr., Fred

Carlisle, and the Dennis Carlisle Trust, all of

Holly Springs, Mississippi.

HOLLY SPRINGS

BANCSHARES INC

Newspaper:

Federal Register:

CIC

Not available

Notice by John Dabney Brown, Holly Springs, 11/16/2005

Mississippi, to retain control of Holly Springs

Bancshares, Inc., Holly Springs, Mississippi.

HOLLY SPRINGS

BANCSHARES INC

Newspaper:

Federal Register:

CIC

Not available

Notice by the Gresham Family Control Group, 11/16/2005

Holly Springs, Mississippi, to retain control of

Holly Srings Bancshares, Inc., Holly Springs,

Mississippi. The Gresham Family Control

Group consists of Sparkman Boothe Gresham,

Frances McGill Gresham, Steven McGill

Gresham, Anita Barnett, and Amanda Barnett,

all of Holly Springs, Mississippi.

HOLLY SPRINGS

BANCSHARES INC

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

Federal Reserve Bank of St.Louis

Filings received during the week ending November 5, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice by the Fant Family Control Group, to 11/16/2005

retain control of Holly Springs Bancshares,

Inc., Holly Springs, Mississippi. The Fant

Family Control Group consists of L.G. Fant,

III, Washington, D.C.; William H.S. Fant,

Potomoc, Maryland; James Fant, San

Francisco, California; Cordelia Fantova,

Atlanta, Georgia; Nancy Fant Smith, Oxford,

Mississippi; Nancy Tisue, Knoxville,

Tennessee; L.G. Fant Smith, Murfreesboro,

Tennessee; Margaret Rhodes, Atlanta,

Georgia; Catherine Smith, Nashville,

Tennessee; and Orma R. Smith, III, Corinth,

Mississippi.

HOLLY SPRINGS

BANCSHARES INC

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

Federal Reserve Bank of St.Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

145059 BANK OF HALLS, HALLS, TENNESSEE 07/18/2005 10/27/2005 S Small Bank

177751 CASS COMMERCIAL BK, BRIDGETON, MISSOURI 07/05/2005 10/19/2005 S Large Bank

1213777 TRUMAN BK, SAINT LOUIS, MISSOURI 07/18/2005 10/24/2005 S Small 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 November 5, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

12/05/2005

First Sleepy Eye Bancorporation, Inc., Sioux

Falls, South Dakota, to acquire 100 percent of

Stearns Bank Evansville, N.A., Evansville,

Minnesota.

FIRST SLEEPY EYE

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC Not available

11/22/2005

Notice by the John C. Elsenpeter 2004 Term

Trust and the John C. Elsenpeter 2005 Term

Trust ("JCE Trusts"); John C. Elsenpeter,

individually and as trustee of the JCE Trusts;

The Vicki J. Elsenpeter 2004 Term Trust and

The Vicki J. Elsenpeter 2005 Term Trust

("VJE Trusts"); and Vicki J. Elsenpeter,

individually and as trustee of the VJE Trusts,

all of Walker, Minnesota, a group acting in

concert, to acquire 25 percent or more of the

shares of Walker Ban Co., Walker, Minnesota,

and thereby indirectly gain control of First

National Bank of Walker, Walker, Minnesota

and Lakes State Bank, Pequot Lakes,

Minnesota.

WALKER BAN CO.

* 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 November 5, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 11/20/2005

11/21/2005

BancFirst Corporation, Oklahoma City,

Oklahoma, to acquire 100 percent of the voting

shares of Park State Bank, Nicoma Park,

Oklahoma.

BANCFIRST CORPORATION

Newspaper:

Federal Register:

* 3A5 11/28/2005

11/28/2005

CCB Corporation, Kansas City, Missouri, to

merge with Acquisition Corporation, Leawood,

Kansas, parent of MidAmerican Bank & Trust

Company, N.A., Leavenworth, Kansas.

CCB CORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First National Bank of Newman Grove,

Newman Grove, Nebraska, to become a

member of the Federal Reserve System.

FIRST NATIONAL BANK OF

NEWMAN GROVE, THE

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Five Points Bank, Grand Island, Nebraska, to 11/28/2005

purchase certain assets and assume certain

liabilities of the Sumner, Nebraska branch of

Five Points Bank of Hastings, Hastings,

Nebraska, and incident thereto, to establish a

branch.

FIVE POINTS BANK

Newspaper:

Federal Register:

* 3A5 11/16/2005

12/02/2005

Frontier Holdings, LLC, Omaha, Nebraska, to

acquire 100 percent of the voting shares of

Frontier Bancorp, and thereby indirectly

acquire Frontier Bank, both in Davenport,

Nebraska. Frontier Bancorp, Davenport,

Nebraska, will merge with and into Frontier

Holdings, LLC, Omaha, Nebraska. Frontier

Management, LLC, Omaha, Nebraska, to

indirectly acquire 100 percent of the voting

shares of Frontier Bancorp, Davenport,

Nebraska, by virtue of its control of the affairs

of Frontier Holdings, LLC, Omaha, Nebraska.

FRONTIER HOLDINGS, LLC

Newspaper:

Federal Register:

CIC Not available

11/22/2005

Notification by Clarkson D. Lauritzen, Omaha,

Nebraska, to acquire control of The Viking

Corporation, Omaha, Nebraska, parent of

Crawford County Trust and Savings Bank,

Denison, Iowa; and Landmands National

Bank, Audubon, Iowa.

VIKING CORPORATION, THE

Newspaper:

Federal Register:

CIC

Not available

Notice by Robert J. Barmann, Jr., Platte City, 11/28/2005

Missouri; and James L. Baber, Weston,

Missouri, as individuals; and Robert J.

Barmann, Jr., Platte City, Missouri; James L.

Baber, Weston, Missouri, and Robert M.

McGinness, Platte City, Missouri; as a group

acting in concert, to acquire control of Wells

Bancshares, parent of Wells Bank of Platte

City, both in Platte City, Missouri.

WELLS BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 11/02/2005

11/18/2005

Notification by Eva K. Grauer, Wilson,

Kansas, as trustee of the Robert L. Grauer

Trust No. 1, Wilson, Kansas, to retain control

of Wilson Bancshares, Inc., Wilson, Kansas,

parent of Wilson State Bank, Wilson, Kansas.

WILSON 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

785259 COMMUNITY BKS OF CO, GREENWOOD VILLAGE, COLORADO06/06/2005 09/28/2005 S Large Bank

767255 LAMAR B&TC, LAMAR, MISSOURI 07/25/2005 10/07/2005 S Small Bank

10858 PLATTE VALLEY ST B&TC, KEARNEY, NEBRASKA 06/27/2005 09/29/2005 S Large Bank

36858 PREMIER BK, LENEXA, KANSAS 07/18/2005 10/20/2005 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending November 5, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, Burkburnett, Texas, to establish a 11/10/2005

branch to be located at 1418 10th Street,

Wichita Falls, Texas 76301.

FIRST BANK

Newspaper:

Federal Register:

* 3A1

Not available

Patriot Bancshares, Inc., Houston, Texas, to 11/20/2005

become a bank holding company by acquiring

100 percent of Patriot Bank, Houston, Texas.

PATRIOT BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

11/22/2005

Notice by Mr. Bill Don Pittman and Mrs.

Ginger Carol Pittman, Spearman, Texas, to

increase ownership and voting control from

30.64 percent to 30.73 percent in Spearman

Bancshares, Inc., Spearman, Texas, and

indirectly Spearman Financial Corporation,

Dover, Delaware, and First National Bank,

Spearman, Texas.

SPEARMAN 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 November 5, 2005

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of the Federated States of Micronesia,

Kolonia, Pohnpei, Federated States of

Micronesia, to establish a limited service

non-insured branch in Honolulu, Hawaii,

pursuant to section 7(d)of the International

Banking Act, and section 211.24(a)(1) of

Regulation K.

BANK OF THE FEDERATED

STATES OF MICRONESIA

Newspaper:

Federal Register:

* 3A1 Not available

12/05/2005

Castle Creek Capital Partners III, L.P., Castle

Creek III LLC, Eggemeyer Capital LLC, Ruh

Capital LLC, Western States Opportunity LLC,

Eggemeyer Family Trust and William J. Ruh

Trust, all of Rancho Santa Fe, California, to

become bank holding companies by acquiring

100 percent of LDF, Inc., and thereby

indirectly acquire its wholly-owned subsidiary,

Labe Bank, both of Chicago, Illinois.

CASTLE CREEK CAPITAL

PARTNERS III, L.P.

Newspaper:

Federal Register:

* 4c8 Not available

12/05/2005

Castle Creek Capital Partners III, L.P., Castle

Creek III LLC, Eggemeyer Capital LLC, Ruh

Capital LLC, Western States Opportunity LLC,

Eggemeyer Family Trust and William J. Ruh

Trust, all of Rancho Santa Fe, California,to

acquire 24.9 percent of Atlanta

Bancorporation, Inc., Alpharetta, Georgia, and

thereby indirectly acquire Gibsonville

Community Bank, Inc., Gibsonville, North

Carolina, a state savings bank.

CASTLE CREEK CAPITAL

PARTNERS III, L.P.

* 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