Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 4

Week Ending January 28, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions January 22, 2006 to January 28, 2006

Bank Holding Companies

Huntington Bancshares, Incorporated, Columbus, Ohio -- to acquire Unizan 

Financial Corp., Canton, and Unizan Bank, National Association.

- Approved, January 25, 2006 

Synovus Financial Corp., Columbus, Georgia -- commenter's request for review of 

the approval by the Federal Reserve Bank of Atlanta of the application to acquire 

Banking Corporation of Florida, Naples, Florida, and First Florida Bank. 

- Denied, January 26, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
January 22, 2006 to January 28, 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

First Community Bank, Taos, New Mexico -- to establish a branch at the corner of 

JFK Parkway and College Avenue, Fort Collins, Colorado.

- Withdrawn, January 27, 2006 

Kansas City

Highlands Union Bank, Abingdon, Virginia -- to establish a branch at 113 Hardin 

Lane, Sevierville, Tennessee.

- Approved, January 27, 2006 

Richmond

Orion Bank, Naples, Florida -- to establish a branch at 631 U.S. Highway One, 

Suite 411, North Palm Beach.

- Approved, January 26, 2006 

Atlanta

Paramount Bank, Farmington Hills, Michigan -- to establish a branch at 22635 

Woodward Avenue, Ferndale.

- Approved, January 27, 2006 

Chicago

SunCoast Bank, Sarasota, Florida -- to establish a branch at 5115 State Road 64 

East, Bradenton.

- Approved, January 26, 2006 

Atlanta

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at Ryan Park 

Center & Yukon Drive, Ashburn.

- Approved, January 27, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 1 of 6
H.2 Actions under delegated authority January 22, 2006 to January 28, 2006

Bank Holding Companies

AJJ Bancorp, Inc., Elkader, Iowa -- to acquire Corridor State Bank, Coralville, a de 

novo bank; and for Corridor State Bank to become a member of the Federal Reserve 

System.

- Approved, January 25, 2006 

Chicago

BlackRidge Financial, Inc., Fargo, North Dakota -- to become a bank holding 

company and to acquire Valley Bancshares, Inc., Nisswa, Minnesota, and 

Lakewood Bank N.A., Baxter; and to retain its ownership interest in Union 

Bancshares, Inc., Fargo, North Dakota, and Union State Bank of Fargo.

- Approved, January 25, 2006 

Minneapolis

Boulevard Bancshares, Inc., St. Louis, Missouri -- to become a bank holding 

company and to acquire WestBridge Bank & Trust Company, a de novo bank.

- Approved, January 23, 2006 

St. Louis

CenterState Banks of Florida, Inc., Winter Haven, Florida -- to acquire CenterState 

Bank Mid Florida, Leesburg; and for CenterState Bank Mid Florida to merge with 

CenterState Interim Bank.

- Approved, January 24, 2006 

Atlanta

Enterprise Holding Company, Omaha, Nebraska -- to become a bank holding 

company and to acquire Enterprise Bank, N.A.

- Withdrawn, January 25, 2006 

Kansas City

Harbor Bank Group, Inc., Charleston, South Carolina -- to become a bank holding 

company and to acquire Harbor National Bank, a de novo bank.

- Approved, January 23, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 2 of 6
H.2 Actions under delegated authority January 22, 2006 to January 28, 2006

Bank Holding Companies

MainSource Financial Group, Inc., Greensburg, Indiana -- to acquire Union 

Community Bancorp, Crawfordsville, and thereby acquire Union Federal Savings 

and Loan Association; and for Union Federal Savings and Loan Association to 

merge with MainSource Bank-Crawfordsville, a de novo bank.

- Approved, January 23, 2006 

Chicago

Pawhuska Financial Corp., Pawhuska, Oklahoma -- to become a bank holding 

company and to acquire First National Bank of Pawhuska.

- Approved, January 24, 2006 

Kansas City

Bank Mergers

SunTrust Bank, Atlanta, Georgia -- to purchase certain assets and assume certain 

liabilities of 11 branches of Community Bank of Florida, Inc., Homestead, Florida, 

and establish branches of SunTrust Bank at those locations.

- Approved, January 26, 2006 

Secretary

Change In Bank Control

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

- Permitted, January 25, 2006 

Atlanta

Competitive Factors Reports

Amalgamated Bank of Chicago, Chicago, Illinois -- report on competitive factors of 

the proposed merger with Amalga Trust Company, Inc.

- Submitted, January 24, 2006 

Chicago

The Bank of Edwardsville, Edwardsville, Illinois -- report on competitive factors of 

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

O'Fallon, Illinois, branch of Old National Bank, Evansville, Indiana.

- Submitted, January 26, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 3 of 6
H.2 Actions under delegated authority January 22, 2006 to January 28, 2006

Competitive Factors Reports

Bank of Modesto, Modesto, Illinois -- report on competitive factors of the proposed 

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

branch of Town & Country Bank of Springfield, Springfield.

- Submitted, January 26, 2006 

St. Louis

First State Bank, Mendota, Illinois -- report on competitive factors of the proposed 

purchase of assets and assumption of deposit liabilities of the Mendota branch of 

UnionBank, Streator.

- Submitted, January 26, 2006 

Chicago

The Huntington National Bank, Columbus, Ohio -- report on competitive factors of 

the proposed merger with Unizan Bank, N.A., Canton, and Unizan Financial 

Services Group, N.A.

- Submitted, January 27, 2006 

Cleveland

The Huntington National Bank, Columbus, Ohio -- report on competitive factors of 

the proposed merger with Unizan Banc Financial Services, Inc., Canton. 

- Submitted, January 27, 2006 

Cleveland

MainSource Bank-Crawfordsville, Greensburg, Indiana, an interim bank -- report 

on competitive factors of the proposed merger with Union Federal Savings and 

Loan Association, Crawfordsville.

- Submitted, January 24, 2006 

Chicago

Texas Champion Bank, Alice, Texas -- report on competitive factors of the 

proposed merger with First-Nichols National Bank, Kenedy.

- Submitted, January 24, 2006 

Dallas

(AC) = Addition or Correction Delegated - Page 4 of 6
H.2 Actions under delegated authority January 22, 2006 to January 28, 2006

Competitive Factors Reports

Wachovia Bank, National Association, Charlotte, North Carolina -- report on 

competitive factors of the proposed merger with Western Financial Bank, Irvine, 

California.

- Submitted, January 23, 2006 

Secretary

Extensions Of Time

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

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

473 Broadway Holding Corporation and The Adirondack Trust Company.

- Granted, January 26, 2006 

New York

Bank of Essex, Tappahannock, Virginia -- extension to July 20, 2006, to establish a 

branch at 1325 Tappahannock Boulevard, to designate this location as its main 

office, and to retain as a branch the old main office at 323 Prince Street.

- Granted, January 27, 2006 

Richmond

CCB Acquisition Corp., Oak Brook, Illinois -- extension to April 27, 2006, to 

become a bank holding company and to acquire Citizens Central Bancorp, Inc., 

Macomb, and thereby acquire Citizens National Bank.

- Granted, January 27, 2006 

Chicago

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, January 27, 2006 

Kansas City

SBT Bancorp, Inc., Simsbury, Connecticut -- extension to March 6, 2006, to 

become a bank holding company and to acquire The Simsbury Bank & Trust 

Company, Inc.

- Granted, January 25, 2006 

Boston

(AC) = Addition or Correction Delegated - Page 5 of 6
H.2 Actions under delegated authority January 22, 2006 to January 28, 2006

Financial Holding Companies

Rabobank International Holding B.V., Utrecht, The Netherlands; Utrecht-America 

Holdings, Inc., New York, New York; and VIB Corp., El Centro, California -- 

elections to become financial holding companies.

- Effective, January 26, 2006 

New York

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

Federal Reserve Bank of Boston

Filings received during the week ending January 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

02/10/2006

02/06/2006

Meridian Interstate Bancorp, Inc., East Boston,

Massachusetts, to become a mid-tier stock

bank holding company of Meridian Financial

Services, Inc., East Boston, Massachusetts, by

acquiring East Boston Savings Bank, East

Boston, Massachusetts, pursuant to sections

3(a)(1) and 3(a)(3)

MERIDIAN INTERSTATE

BANCORP, INC

Newspaper:

Federal Register:

* 3A1 02/25/2006

02/23/2006

Merrimack Bancorp, MHC, Concord, New

Hampshire, to become a bank holding

company through the acquisition of 100% of

the voting shares of Merrimack County

Savings Bank, Concord, New Hampshire.

MERRIMACK BANCORP MHC

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

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 January 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Notice by Chohung Bank, Seoul, Korea. 02/17/2006

("Chohung"), to retain the existing New York

branch of Shinhan Bank, Seoul, Korea,

("Shinhan"), upon consummation of the

merger of Shinhan into Chohung, which will

operate under the name of "Shinhan Bank",

pursuant to Section 211.24(a)(2)(i)(A) of

Regulation K.

CHOHUNG BANK

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

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 January 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

Minotola National Bank, Vineland, NJ, to 02/27/2006

merge with and into Susquehanna Patriot

Bank, Marlton, NJ.

SUSQUEHANNA PATRIOT

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

928618 AMERISERV FNCL BK, JOHNSTOWN, PENNSYLVANIA 08/01/2005 01/20/2006 S Large 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 January 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/16/2006

02/24/2006

Application by John R. Turner Holding

Company, Jackson, KY to acquire Middleburg

Bancorp, Inc., Middleburg, KY and its bank

subsidiary, Farmers Deposit Bank, Middleburg,

KY pursuant to Section 3(a)(3) of the Bank

Holding Company Act.

JOHN R TURNER HOLDING

COMPANY

* 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 January 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 02/17/2006

02/23/2006

American National Bankshares Inc., Danville,

Virginia, to acquire 100% of the voting

securities of Community First Financial

Corporation, Lynchburg, Virginia, and thereby

indirectly acquire Community First Bank,

Lynchburg, Virginia.

AMERICAN NATIONAL

BANKSHARES INC.

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Citizens Bank & Trust Comapny, Blackstone,

Virginia, to increase its investment in bank

premises in the amount of $531,425.

CITIZENS BANK AND TRUST

COMPANY

Newspaper:

Federal Register:

* 3A5

Not available

FNB Corp., Asheboro, North Carolina, to 01/23/2006

acquire 100% of Integrity Financial

Corporation, Hickory, North Carolina, and

thereby indirectly acquire First Gaston Bank of

North Carolina, Gastonia, North Carolina

(prior to the acquisition, Integrity Financial

Corporation's other existing banking

subsidiary, Catawba Valley Bank, Hickory,

North Carolina, would be merged with and

into First Gaston Bank of North Carolina).

FNB Corp. also proposes to acquire Integrity

Financial Corporation's nonbanking

subsidiaries, Integrity Securities, Inc., and

Community Mortgage Corporation of North

Carolina, both of Hickory, North Carolina.

FNB CORP.

Newspaper:

Federal Register:

* Branch

Not applicable

Southern Community Bank and Trust, 01/29/2006

Winston-Salem, North Carolina, proposes to

establish a branch at 2626 Glenwood Avenue,

Raleigh, North Carolina.

SOUTHERN COMMUNITY

BANK AND TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Community Bank, Louisa, Virginia, 02/10/2006

proposes to establish a branch at 3009 River

Road West, Goochland County, Virginia.

VIRGINIA COMMUNITY

BANK

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Waccamaw Bank, Whiteville, North Carolina,

to merge with The Bank of Heath Springs,

Heath Springs, South 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 January 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/17/2006

02/24/2006

CBS Banc-Corp, Russellville, Alabama, to

acquire 100 percent of the outstanding shares

of Farmers Bank, Cornersville, Tennessee.

CBS BANC-CORP.

Newspaper:

Federal Register:

* 3A5 02/17/2006

02/10/2006

GB&T Bancshares, Inc., Gainesville, Georgia,

to merge with Mountain Bancshares, Inc. and

thereby acquire its subsidiary, Mountain State

Bank, both of Dawsonville, Georgia.

GB&T BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

02/27/2006

Seacoast Banking Corporation of Florida,

Stuart, Florida, to merge with Big Lake

Financial Corporation, and thereby acquire its

subsidiary, Big Lake National Bank, both of

Okeechobee, Florida.

SEACOAST BANKING

CORPORATION OF FLORIDA

Newspaper:

Federal Register:

CIC 02/15/2006

02/06/2006

Sequatchie County Bancorp, Inc., Dunlap,

Tennessee, prior change in control notice filed

by David F. Barker, Kyle D. Barker, Julia K.

Barker, all of Dunlap, Tennessee, and Dorris

B. Birchett, Cohutta, Georgia, to collectively

acquire 2.75 percent of the outstanding shares

of Sequatchie County Bancorp, Inc., and its

subsidiary, Mountain Valley Bank, both of

Dunlap, Tennessee. Pro forma ownership for

the group will be 14.53 percent.

SEQUATCHIE COUNTY

BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

02/15/2006

SunSouth Bancshares, Inc., Dothan, Alabama,

prior change in control notice filed by Mr.

Michael A. Medley, Dothan, Alabama, to

acquire an additional 12.13 percent of the

outstanding shares of SunSouth Bancshares,

Inc., and its subsidiary, SunSouth Bank, both

of Dothan, Alabama.

SUNSOUTH BANCSHARES,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 02/08/2006

branches at the following locations: 3800 N.

Federal Highway, Lighthouse Point, Florida, to

be known as the Lighthouse Point Office; 4475

SW 124th Avenue, Davie, Florida, to be

known as the Flamingo Commons Office; 6210

Coral Ridge Drive, Coral Springs, Florida, to

be known as the Heron Bay Office; and 12396

West Sunrise Boulevard, Plantation, Florida, to

be known as the Sawgrass Mills Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* 3A3 Not available

02/24/2006

Upper Cumberland Bancshares, Inc., along

with its parent company, Employee Stock

Ownership Trust of People's Bank and Trust

Company of Pickett County, both of

Byrdstown, Tennessee, to acquire 100 percent

of the outstanding shares of People's Bank and

Trust Company of Clinton County, Albany,

Kentucky (in organization).

UPPER CUMBERLAND

BANCSHARES, INC.

* 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 January 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice by Jill Anne Kollock, Christopher Alan 12/12/2005

Kollock, Jan Rae Weisenbeck, and William

Joseph Weisenbeck, as a group acting in

concert, to gain control of Bancroft State

Bancshares, Inc., and thereby indirectly control

Bancroft State Bank, Bancroft, Wisconsin.

BANCROFT STATE

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

02/06/2006

Capitol Bancorp, Ltd., Lansing, Michigan, to

acquire 51 percent of the voting shares of Bank

of Valdosta (in organization), Valdosta,

Georgia.

CAPITOL BANCORP LTD.

Newspaper:

Federal Register:

* 3A1 02/13/2006

02/10/2006

Exchange Financial, Inc., Adair, Iowa, to

become a bank holding company by acquiring

100 percent of Exchange State Bank, Adair,

Iowa.

EXCHANGE FINANCIAL, INC.

Newspaper:

Federal Register:

* 3A3 Not available

02/16/2006

FBOP Corporation, Oak Park, Illinois, to

acquire greater than 50 percent of the voting

shares of Community Bank of Lemont,

Lemont, Illinois.

FBOP CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

* 18C

* Branch

02/10/2006

First Midwest Bancorp, Inc., Itasca, Illinois, to

acquire 100 percent of the voting shares of

Bank Calumet, Inc., Hammond, Indiana, and

thereby indirectly acquire Bank Calumet,

National Association, Hammond, Indiana, and

by First Midwest Bank, Itasca, Illinois, to

merge with Bank Calumet, National

Association, Hammond, Indiana, and thereby

to establish 31 branches.

FIRST MIDWEST BANCORP,

INC.

Newspaper:

Federal Register:

* 3A1 02/17/2006

02/17/2006

First National Bancorp, Inc., Kalamazoo,

Michigan, to become a bank holding company

by acquiring 100 percent of the voting shares

of First National Bank of Michigan (in

organization), Kalamazoo, Michigan.

FIRST NATIONAL BANCORP,

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Johnson Bank, Racine, Wisconsin, to establish 01/27/2006

a branch facility to be located at 1916

Wisconsin Avenue, Racine, Wisconsin.

JOHNSON BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Lake City Bank, Warsaw, Indiana, to become a

member of the Federal Reserve System.

LAKE CITY BANK

Newspaper:

Federal Register:

* 4c8 Not available

02/21/2006

Marquette National Corporation, Chicago,

Illinois, to acquire 100 percent of the voting

shares of Hemlock Federal Financial

Corporation, Oak Forest, Illinois, and thereby

indirectly acquire Hemlock Federal Bank for

Savings, Oak Forest, Illinois, and thereby

operate a savings association.

MARQUETTE NATIONAL

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

02/21/2006

Marshall & Ilsley Corporation, Milwaukee,

Wisconsin, to acquire 100 percent of the voting

shares of Trustcorp Financial, Inc., St. Louis,

Missouri, and thereby indirectly acquire

Missouri State Bank and Trust Company,

Clayton, Missouri.

MARSHALL & ILSLEY

CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending January 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/10/2006

Notice by Jay Elliot Bell, Chicago, Illinois, to

retain control of 79.6 percent of Rochester

State Bankshares, Inc., Rochester, Illinois, and

thereby retain indirect control of Rochester

State Bank, Rochester, Illinois.

ROCHESTER STATE

BANKSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Tower Bank & Trust Company, Fort Wayne, 02/13/2006

Indiana, to establish a branch facility to be

located at 3333 N. Wayne Street, Angola,

Indiana.

TOWER BANK & TRUST

COMPANY

Newspaper:

Federal Register:

* 3A5 02/07/2006

02/17/2006

Wintrust Financial Corporation, Lake Forest,

Illinois, to acquire 100 percent of the

outstanding stock of Hinsbrook Bancshares,

Inc., Willowbrook, Illinois, and thereby

acquire Hinsbrook Bank and Trust,

Willowbrook, Illinois.

WINTRUST FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* 3A3 02/19/2006

02/23/2006

Wintrust Financial Corporation, Lake Forest,

Illinois, to acquire 100 percent of the voting

shares of Old Plank Trail Community Bank,

National Association (in organization), New

Lenox, Illinois.

WINTRUST FINANCIAL

CORPORATION

* 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

932745 FIRST CMNTY BK, HARBOR SPRINGS, MICHIGAN 09/26/2005 01/23/2006 S Small Bank

1917301 LAKE FOREST B&TC, LAKE FOREST, ILLINOIS 07/11/2005 01/16/2006 S Large Bank

2239288 NORTH SHORE CMNTY B&T, WILMETTE, ILLINOIS 08/15/2005 01/23/2006 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 January 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

657459 MIDWEST BANKCENTRE, LEMAY, MISSOURI 10/11/2005 01/20/2005 S 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 January 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

02/03/2006

Watford City Bancshares, Inc., Watford City,

North Dakota, to acquire 100 percent of Elgin

Bancshares, Inc., Elgin, North Dakota and

thereby indirectly acquire Farmers State Bank,

Elgin, North Dakota.

WATFORD CITY

BANCSHARES, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 January 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/19/2006

02/21/2006

Citizens Bancshares Employee Stock

Ownership Plan, Edmond, Oklahoma, to

acquire up to 40 percent of the issued and

outstanding shares of the common stock of

Citizens Bancshares, Inc., Edmond, Oklahoma,

parent of Citizens Bank of Edmond, Edmond,

Oklahoma.

CITIZENS BANCSHARES,

INC., ESOP

Newspaper:

Federal Register:

* 3A3 Not available

Not available

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:

* 3A1 01/30/2006

02/10/2006

Hulett Holding Company, to become a bank

holding company through the acquisition of

100 percent of the voting shares of Summit

National Bank, both in Hulett, Wyoming.

HULETT HOLDING COMPANY

Newspaper:

Federal Register:

CIC Not available

02/15/2006

Notice by Richard A. Jensen, WaKeeney,

Kansas, as trustee of the Jonathan D. Berkley

GST Trust, the Brian J. Berkley GST Trust,

and the Renee A. Berkley GST Trust, all in

Stockton, Kansas, to acquire control of

Stockton Bancshares, Inc., parent of Stockton

National Bank, both in Stockton, Kansas;

Farmers & Merchants Bank of Hill City, Hill

City, Kansas; and Trego-WaKeeney State

Bank, WaKeeney, Kansas.

STOCKTON 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

284154 FREEDOM BK OKLAHOMA, TULSA, OKLAHOMA 10/17/2005 01/05/2006 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending January 28, 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 January 28, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

1st Pacific Bank of California, La Jolla, 12/29/2005

California, to establish a branch facility to be

located at 169 East Main Street, El Cajon,

California.

1ST PACIFIC BANK OF

CALIFORNIA

Newspaper:

Federal Register:

* 18C Not available

* 5D3

* Branch

Not applicable

East West Bank, San Marino, California, to

merge with Standard Bank, F.S.B, Monterey

Park, California, and thereby acquire six

branch offices of Standard Bank, all located in

California.

EAST WEST BANK

Newspaper:

Federal Register:

* 3A5 02/19/2006

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

802866 SILICON VALLEY BK, SANTA CLARA, CALIFORNIA 08/22/2005 01/19/2006 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act