Federal Reserve Release

H.2

Actions of the Board, Its Staff, 

and the Federal Reserve Banks; 

Applications and Reports Received

No. 28

Week Ending July 15, 2006

Board of Governors of the Federal Reserve System, Washington, DC 20551
H.2 Board Actions July 9, 2006 to July 15, 2006

Testimony And Statements

Industrial Loan Companies -- statement by Scott G. Alvarez, General Counsel, 

before the Subcommittee on Financial Institutions and Consumer Credit of the 

House Committee on Financial Services, July 12, 2006.

- Published, July 12, 2006 

Monetary Policy Objectives -- statement by Chairman Bernanke before the Senate 

Committee on Banking, Housing, and Urban Affairs on July 19, 2006, and before 

the House Committee on Financial Services on July 20.

- Authorized, July 14, 2006 

Forms

Forms -- final Board review to extend with revision the Report of Transaction 

Accounts, Other Deposits and Vault Cash (FR 2900), Annual Report of Total 

Deposits and Reservable Liabilities (FR 2910a), Report of Foreign (Non-U.S.) 

Currency Deposits (FR 2915), and Allocation of Low Reserve Tranche and 

Reservable Liabilities Exemption (FR 2930 and FR 2930a).

- Approved, July 13, 2006 

Regulations And Policies

Monetary Policy -- report to Congress.

- Authorized, July 11, 2006 

Enforcement

Banco Industrial de Venezuela, C.A., Caracas, Venezuela, and its agencies in New 

York, New York, and Miami, Florida -- written agreement with the Federal Reserve 

Bank of New York, Federal Reserve Bank of Atlanta, New York State Banking 

Department, and State of Florida Office of Financial Regulation; and termination of 

a written agreement dated April 21, 2005, by and among the same organizations.

- Announced, July 14, 2006 

(AC) = Addition or Correction Board - Page 1 of 1
July 9, 2006 to July 15, 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

Bank 7, Medford, Oklahoma -- to establish a branch at 1003 Oklahoma Avenue, 

Woodward.

- Approved, July 10, 2006 

Kansas City

Bryn Mawr Trust Company, Bryn Mawr, Pennsylvania -- to establish a branch at 

849 Paoli Pike, West Chester.

- Approved, July 14, 2006 

Philadelphia

Comerica Bank, Detroit, Michigan -- to establish a branch at 1600 Research Forest 

Drive, Shenandoah, Texas.

- Approved, July 13, 2006 

Secretary

Fifth Third Bank, Cincinnati, Ohio -- to establish a limited-service branch at 1800 

Riverside Drive, Columbus.

- Approved, July 14, 2006 

Cleveland

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2707 South 

11th Street, Niles.

- Approved, July 14, 2006 

Cleveland

First State Bank, Picher, Oklahoma -- to establish a branch at 102 North Mickey 

Mantle Boulevard, Commerce.

- Approved, July 13, 2006 

Kansas City

IBERIABANK, Lafayette, Louisiana -- to establish a branch at 1300 Oliver Road, 

Monroe.

- Approved, July 13, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 1 of 9
H.2 Actions under delegated authority July 9, 2006 to July 15, 2006

Bank Branches, Domestic

Lake Forest Bank & Trust Company, Lake Forest, Illinois -- to establish a branch at 

1801 Sheridan Road, North Chicago.

- Approved, July 10, 2006 

Chicago

Pacific State Bank, Stockton, California -- to establish a branch at 501 West 

Kettleman Lane, Lodi.

- Approved, July 13, 2006 

San Francisco

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 3764 

Old Norcross Road, Duluth, Georgia.

- Approved, July 13, 2006 

Richmond

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 4408 

Cobb Parkway, Acworth, Georgia.

- Approved, July 13, 2006 

Richmond

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 531 

South Main Street, Suite 100, Greenville, South Carolina.

- Approved, July 13, 2006 

Richmond

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 2743 

Chastain Meadows Parkway, Marietta, Georgia.

- Approved, July 13, 2006 

Richmond

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 125 

Perimeter Center West, Atlanta, Georgia.

- Approved, July 13, 2006 

Richmond

(AC) = Addition or Correction Delegated - Page 2 of 9
H.2 Actions under delegated authority July 9, 2006 to July 15, 2006

Bank Branches, Domestic

SunTrust Bank, Atlanta, Georgia -- to establish branches at 17650 Northwest 

Second Avenue, Miami Gardens, Florida; and 375 Kings Highway, Port Charlotte.

- Approved, July 13, 2006 

Secretary

Bank Holding Companies

Adam Bank Group, Inc., Ocala, Florida -- to become a bank holding company and 

to acquire at least 89 percent of the shares of American Momentum Bank, Tampa 

(in organization).

- Approved, July 13, 2006 

Atlanta

Allied Irish Banks, p.l.c., Dublin, Ireland -- to engage de novo through its 

subsidiary, Goodbody Securities, Inc., New York, New York, in securities 

brokerage and private placement activities in the United States.

- Approved, July 13, 2006 

Secretary

Concord Place, Inc., Nassau, The Bahamas -- to become a bank holding company 

and to acquire Los Angeles National Bank, Buena Park, California.

- Approved, July 14, 2006 

San Francisco

Crescent Financial Corporation, Cary, North Carolina -- to acquire Port City Capital 

Bank, Wilmington.

- Approved, July 13, 2006 

Richmond

First Community Financial Partners, Inc., Joliet, Illinois -- to become a bank 

holding company and to acquire First Community Bank of Joliet and engage de 

novo in lending activities.

- Approved, July 14, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 3 of 9
H.2 Actions under delegated authority July 9, 2006 to July 15, 2006

Bank Holding Companies

Gorham Bancorp, MHC, Gorham, Maine, and Gorham Bancorp Inc. -- to become a 

mutual bank holding company and a stock bank holding company, respectively, and 

to acquire Gorham Savings Bank.

- Approved, July 10, 2006 

Boston

Hometown Community Bancorp, Inc., Morton, Illinois -- waiver of application to 

merge with Manito Bank Services, Inc., Manito, and thereby acquire Peoples State 

Bank and simultaneously the merger of Peoples State Bank with Morton 

Community Bank, Morton.

- Granted, July 14, 2006 

Chicago

Hunter Holding Company, Hunter, North Dakota -- to merge with Streeter 

Insurance Agency, Inc., Streeter, and thereby acquire State Bank of Streeter; and to 

engage in general insurance agency activities in a town with a population of less 

than 5,000.

- Approved, July 12, 2006 

Minneapolis

MB Financial, Inc., Chicago, Illinois -- to merge with First Oak Brook Bancshares, 

Inc., Oak Brook, and thereby acquire Oak Brook Bank.

- Approved, July 13, 2006 

Chicago

MCB Financial Group, Inc., Carrollton, Georgia -- relief from a commitment.

- Granted, July 14, 2006 

Atlanta

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

holding company and to acquire Erwin National Bank, Erwin.

- Approved, July 11, 2006 

Atlanta

NRBC Holding Corporation, Chicago, Illinois -- to become a bank holding 

company and to acquire The National Republic Bank of Chicago.

- Withdrawn, July 10, 2006 

Chicago

(AC) = Addition or Correction Delegated - Page 4 of 9
H.2 Actions under delegated authority July 9, 2006 to July 15, 2006

Bank Holding Companies

Potomac Virginia Bancorp, Fairfax, Virginia -- to become a bank holding company 

and to acquire Potomac Bank of Virginia.

- Approved, July 11, 2006 

Richmond

Riverside Banking Company, Fort Pierce, Florida -- to merge with First Community 

Bank Holding Company, Debary, and thereby acquire First Community Bank.

- Approved, July 13, 2006 

Atlanta

Security Bank Corporation, Macon, Georgia, and SBKC Interim Bank -- to acquire 

Homestead Bank, Suwanee, through the merger of Homestead Bank with SBKC 

Interim Bank, subsequently to be known as Security Bank of Gwinnett County.

- Approved, July 13, 2006 

Atlanta

Silver State Bancorp, Henderson, Nevada -- to acquire Choice Bank, Scottsdale, 

Arizona.

- Approved, July 10, 2006 

San Francisco

Sterling Financial Corporation, Lancaster, Pennsylvania -- waiver of application to 

acquire Bay Net Financial, Inc., Bel Air, Maryland, and simultaneously merge Bay 

Net a Community Bank with First National Bank of North East, North East.

- Granted, July 14, 2006 

Philadelphia

United Bancorporation of Wyoming, Inc., Jackson, Wyoming -- to acquire United 

Bank of Idaho, Driggs, Idaho, a de novo bank, and for United Bank of Idaho to 

become a member of the Federal Reserve System.

- Approved, July 12, 2006 

Kansas City

Webster Financial Corporation, Waterbury, Connecticut -- waiver of application to 

merge with NewMil Bancorp, Inc., New Milford, and the simultaneous merger of 

NewMil Bank with Webster Bank, Waterbury.

- Returned, July 14, 2006 

Boston

(AC) = Addition or Correction Delegated - Page 5 of 9
H.2 Actions under delegated authority July 9, 2006 to July 15, 2006

Bank Mergers

First American Bank, Fort Dodge, Iowa -- to merge with Waukee State Bank, 

Waukee, and establish a branch at its existing location; and waiver of application 

for Stark Bank Group, Ltd., Fort Dodge, to merge with Commerce Bancshares, Inc., 

Waukee, and thereby acquire Waukee State Bank.

- Approved, July 14, 2006 

Chicago

Banks, Foreign

UBS AG, Zurich, Switzerland -- waiver of remainder of notification period to 

establish a limited branch in New York, New York.

- Granted, July 14, 2006 

Director, BS&R

Change In Bank Control

Algiers Bancorp, Inc., Baton Rouge, Louisiana -- change in bank control.

- Permitted, July 13, 2006 

Atlanta

Leighton Investment Company, Pella, Iowa -- to retain control of Leighton 

Investment Company.

- Permitted, July 13, 2006 

Chicago

Northpointe Bancshares, Inc., Grand Rapids, Michigan -- change in bank control.

- Permitted, July 14, 2006 

Chicago

United Capital Bancshares, Inc., Wyandotte, Oklahoma -- change in bank control.

- Permitted, July 11, 2006 

Kansas City

(AC) = Addition or Correction Delegated - Page 6 of 9
H.2 Actions under delegated authority July 9, 2006 to July 15, 2006

Competitive Factors Reports

Bradford Bank, Baltimore, Maryland -- report on competitive factors of the 

proposed assumption of certain deposit liabilities of the Ellicott City branch of 

American Bank, Silver Spring.

- Submitted, July 13, 2006 

Richmond

Carver Federal Savings Bank, New York, New York -- report on competitive 

factors of the proposed acquisition of Community Capital Bank, Brooklyn.

- Submitted, July 12, 2006 

New York

Choice Bank, Scottsdale, Arizona -- report on competitive factors of the proposed 

merger with CB Interim Bank, Phoenix.

- Submitted, July 10, 2006 

San Francisco

Citigroup Inc., New York, New York -- report on competitive factors of the 

proposed internal corporate reorganization in connection with the merger of various 

of its subsidiaries.

- Submitted, July 10, 2006 

New York

Farmers State Bank of Breckenridge, Breckenridge, Michigan -- report on 

competitive factors of the proposed merger with The Farwell State Savings Bank, 

Farwell.

- Submitted, July 10, 2006 

Chicago

The Hemisphere National Bank, Miami, Florida -- report on competitive factors of 

the proposed acquisition of assets and assumption of liabilities of Pinebank, 

National Association.

- Submitted, July 10, 2006 

Atlanta

(AC) = Addition or Correction Delegated - Page 7 of 9
H.2 Actions under delegated authority July 9, 2006 to July 15, 2006

Competitive Factors Reports

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

competitive factors of the proposed assumption of certain deposit liabilities of 

Chase Bank USA, National Association, Newark, Delaware.

- Submitted, July 14, 2006 

New York

The Juniata Valley Bank, Mifflintown, Pennsylvania -- report on competitive 

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

Richfield branch of Mifflinburg Bank and Trust Company.

- Submitted, July 10, 2006 

Philadelphia

MB Financial Bank, National Association, Chicago, Illinois -- report on competitive 

factors of the proposed merger with Oak Brook Bank, Oak Brook.

- Submitted, July 13, 2006 

Chicago

Orangeburg National Bank, Orangeburg, South Carolina -- report on competitive 

factors of the proposed mergers with Bank of Ridgeway, Ridgeway; Sumter 

National Bank, Sumter; and Florence National Bank, Florence.

- Submitted, July 12, 2006 

Richmond

People's Community State Bank, Doniphan, Missouri -- report on competitive 

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

the Ellington branch of First State Community Bank, Farmington.

- Submitted, July 14, 2006 

St. Louis

The Peoples National Bank of McLeansboro, McLeansboro, Illinois -- report on 

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

certain deposit liabilities of the Effingham branch of Hickory Point Bank and Trust, 

FSB, Decatur.

- Submitted, July 12, 2006 

St. Louis

(AC) = Addition or Correction Delegated - Page 8 of 9
H.2 Actions under delegated authority July 9, 2006 to July 15, 2006

Competitive Factors Reports

U.S. Bancorp, Minneapolis, Minnesota -- report on competitive factors of the 

proposed acquisition of Vail Banks, Inc., Avon, Colorado.

- Submitted, July 10, 2006 

Kansas City

United Bank of Iowa, Ida Grove, Iowa -- report on competitive factors of the 

proposed merger with First Bank and Trust Company, Glidden.

- Submitted, July 12, 2006 

Chicago

Extensions Of Time

Southwest Bank of St. Louis, St. Louis, Missouri -- extension to October 27, 2006, 

to establish a branch at Winghaven Boulevard and Technology Drive, O'Fallon.

- Granted, July 14, 2006 

Chicago

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

Federal Reserve Bank of Boston

Filings received during the week ending July 15, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 08/14/2006

Application by Fidelity Mutual Holding

Company and Life Design Holding Company,

both of Fitchburg, Massachusetts, to become a

mutual bank holding company and stock bank

holding company, respectively, by acquiring

Fidelity Co-operative Bank, Fitchburg,

Massachusetts, pursuant to sections 3(a)(1)and

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

1956, as amended.

FIDELITY 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 July 15, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Community Bank of Bergen County, 07/20/2006

Maywood, New Jersey, to establish a branch

office in Garfield, New Jersey.

COMMUNITY BANK OF

BERGEN COUNTY, N.J.

Newspaper:

Federal Register:

* 3A3 Not available

08/04/2006

HSBC Holdings plc, HSBC Overseas Holdings

(UK) Limited, both of London, United

Kingdom, HSBC North America Inc., Buffalo,

New York, HSBC Investments (North

America) Inc., Wilmington, Delaware, HSBC

North America Holdings Inc., Prospect

Heights, Illinois, and HSBC USA Inc., New

York, New York, propose to acquire a new

insured and full-service bank pursuant to

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

Act of 1956 as amended,by establishing a

national bank to be named HSBC National

Bank USA in Bethesda, Maryland.

HSBC HOLDINGS PLC

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Notice by Kookmin Bank, Seoul, Korea

("Kookmin"), for prior approval of the Board

of Governors of the Federal Reserve (the

?Board?), pursuant to Section 4(c)(8) of the

Bank Holding Company Act of 1956, as

amended, and Section 225.24 of Regulation Y,

to engage in the U.S. nonbanking activities of

Korea Exchange Bank, Seoul, Korea ("KEB"),

after Kookmin acquires a controlling interest

in KEB.

KOOKMIN BANK

Newspaper:

Federal Register:

FBSEA

Not applicable

Lloyds TSB Offshore Limited, St. Helier, 08/09/2006

Jersey, a wholly-owned, indirect subsidiary of

Lloyds TSB Group plc, London, England, to

establish additional representative offices in

Stamford, Connecticut, and Los Angeles,

California, pursuant to Section 10(a) of the

International Banking Act of 1978, as

amended, and Section 211.24(a)(2) of

Regulation K.

LLOYDS TSB OFFSHORE

LIMITED

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Macquarie Bank Ltd., Sydney, Australia, to

establish one additional representative office in

San Francisco, California, pursuant to Section

211.24(a)(2)(i)(B)(3) of Regulation K.

MACQUARIE BANK LIMITED

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 July 15, 2006

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 July 15, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to 06/23/2006

establish a branch at 2707 South 11th Street,

Niles, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 06/23/2006

limited-service branch at 1800 Riverside Drive,

Columbus, OH.

FIFTH THIRD BANK

* Subject to the provisions of the Community Reinvestment Act
District: 4

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 July 15, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Eagle Bancorp, Inc., Bethesda, Maryland, to

engage de novo in making loans secured by

real estate.

EAGLE BANCORP, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

First Capital Bancorp, Inc., Glen Allen,

Virginia, to become a bank holding company

by acquiring 100% of First Capital Bank, Glen

Allen, Virginia.

First Capital Bancorp, Inc.

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Rocky Mount, North 07/21/2006

Carolina, to establish a branch at 4499 Weston

Road, Weston, Florida.

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Rocky Mount, North 07/21/2006

Carolina, to establish a branch at 650 South

Alafaya Trail, Orlando, Florida.

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Rocky Mount, North 07/21/2006

Carolina, to establish a branch at 4309 West

Lake Mary Boulevard, Lake Mary, Florida.

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Rocky Mount, North 07/24/2006

Carolina, to establish a branch at 1021 e-Wall

Street, Mt. Pleasant, South Carolina.

RBC CENTURA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

RBC Centura Bank, Rocky Mount, North 07/24/2006

Carolina, to establish a branch at 1758 Jones

Bridge Road, Alpharetta, Georgia.

RBC CENTURA BANK

Newspaper:

Federal Register:

* 4c8 08/10/2006

08/11/2006

Wachovia Corporation, Charlotte, North

Carolina, to acquire 100% of the voting

securities of Golden West Financial

Corporation, Oakland, California, and thereby

indirectly acquire World Savings Bank, FSB,

Oakland, California, and its thrift subsidiary,

World Savings Bank, FSB (Texas), Houston,

Texas, and engage in the activities of operating

a savings association, and indirectly acquire

Atlas Advisors, Inc., San Leandro, California,

and engage in investment advisory activities,

and indirectly acquire Atlas Securities, Inc.,

San Leandro, California, and engage in

securities brokerage services, and indirectly

acquire World Mortgage Investors, Inc.,

Rockville, Maryland, and engage in the

activities of extending credit and servicing

loans.

WACHOVIA CORPORATION

* 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 July 15, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

AmSouth Bank, Birmingham, Alabama, to 07/24/2006

establish branches at the following locations:

1310 Lakeside Village Circle, Lakeland,

Florida, to be known as the Lakeside Village

Branch, and at the intersection of Park

Boulevard and 74th Street, Pinellas Park,

Florida, to be known as the Park Boulevard

Branch.

AMSOUTH BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Community Bancshares of Mississippi, Inc.

Employee Stock Ownership Plan, Brandon,

Mississippi, to acquire up to an additional one

percent of the voting shares of common stock

of Community Bancshares of Mississippi, Inc.,

Brandon, Mississippi, and thereby indirectly

acquire its wholly-owned bank subsidiaries,

Community Bank, Amory, Mississippi;

Community Bank of Mississippi, Forest,

Mississippi; Community Bank, Meridian,

Meridian, Mississippi; Community Bank,

N.A., Memphis, Tennessee; Community Bank,

Ellisville, Ellisville, Mississippi; Community

Bank, Coast, Biloxi, Mississippi; its 80 percent

owned middle-tier bank holding company First

Lucedale Bancorp, Inc., Lucedale, Mississippi,

and its wholly-owned subsidiary bank

Community Bank, N.A., Lucedale, Mississippi,

pursuant to section 3(a)(3) of the Bank Holding

Company Act. The acquisition will increase

Community Bancshares of Mississippi, Inc.

Employee Stock Ownership Plans ownership in

Community Bancshares of Mississippi, Inc., to

a maximum of 20.96.

COMMUNITY BANCSHARES

OF MISSISSIPPI, INC.

EMPLOYEE STOCK

OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A1 08/06/2006

08/11/2006

Florida Gulf Bancorp, Inc., to become a bank

holding company by acquiring 100 percent of

the outstanding shares of Florida Gulf Bank,

both of Fort Myers, Florida.

FLORIDA GULF BANCORP,

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Madison Financial Corporation, Madison,

Mississippi, after-the-fact change in control

notice by John L. Harvey, Flora, Mississippi, to

retain 1.98 percent of the outstanding shares of

Madison Financial Corporation and its

subsidiary bank, Madison County Bank, both

of Madison, Mississippi. Total ownership is

11.97 percent.

MADISON FINANCIAL

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Old Southern Bank, Clemont, Florida, to 07/17/2006

establish the following branches: 2415 Aloma

Avenue, Winter Park, Florida, and 250 N.

Orange Avenue, Orlando, Florida.

OLD SOUTHERN BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending July 15, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Central State Bank, Muscatine, Iowa, to 07/14/2006

establish a branch facility to be located at 710

5th Street West, Wilton, Iowa.

CENTRAL STATE BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 11608 Carmel

Mountain Road, San Diego, California.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Detroit, Michigan, to establish

a branch facility to be located at 1610 Stacy

Road, Allen, Texas.

COMERICA BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Farmers Bank & Trust Co., Converse,

Indiana, to purchase certain assets and assume

certain liabilities of three Indiana branch

offices of Fifth Third Bank, Grand Rapids,

Michigan, located in Culver, Knox, and North

Judson, and thereby to establish three branch

offices.

FIRST FARMERS BANK &

TRUST

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Marshall & Ilsley Corporation, Milwaukee,

Wisconsin, to acquire through its

wholly-owned subsidiary, Metavante

Corporation, 100 percent of the voting shares

of VICOR, Inc., Richmond, California, and

thereby engage in data processing activities,

and management consulting and counseling

activities.

MARSHALL & ILSLEY

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

08/14/2006

Oakland Financial Services, Inc., Oakland,

Iowa, to increase its ownership to a 33.3

percent equity interest in Otoe County

Bancorporation, Inc., Nebraska City, Nebraska,

and thereby increase their indirect ownership

of Otoe County Bank & Trust Company,

Nebraska City, Nebraska.

OAKLAND FINANCIAL

SERVICES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

08/07/2006

Pedcor Capital, LLC, Carmel, Indiana, to

become a bank holding company by acquiring

100 percent of the voting shares of Pedcor

Bancorp, Carmel, Indiana, and thereby

indirectly acquire International City Bank,

N.A., Long Beach, California.

PEDCOR CAPITAL, LLC

Newspaper:

Federal Register:

* 3A3 Not available

08/14/2006

Southwest Company, Sidney, Iowa, to increase

its ownership to a 33.3 percent equity interest

in Otoe County Bancorporation, Inc., Nebraska

City, Nebraska, and thereby increase indirect

ownership of Otoe County Bank & Trust

Company, Nebraska City, Nebraska.

SOUTHWEST COMPANY

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending July 15, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/05/2006

07/28/2006

Cross County Bancshares, Inc., Wynne,

Arkansas, to acquire 6.6 percent of Pinnacle

Bancshares, Inc., Bentonville, Arkansas, and

thereby indirectly acquire Pinnacle Bank,

Bentonville, Arkansas.

CROSS COUNTY

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

08/06/2006

08/11/2006

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

subsidiary bank holding company, The San

Francisco Company, San Francisco, California,

to acquire 100 percent of TeamCo, Inc., Oak

Lawn, Illinois, and thereby indirectly acquire

Oak Lawn Bank, Oak Lawn, Illinois. Also,

First Bank, St. Louis, Missouri, to merge with

Oak Lawn Bank, Oak Lawn, Illinois, and to

retain the acquired facilities as branch offices.

FIRST BANKS, INC.

Newspaper:

Federal Register:

* 3A3 08/03/2006

07/28/2006

Lonoke Bancshares, Inc., Lonoke, Arkansas, to

acquire 6.6 percent of Pinnacle Bancshares,

Inc., Bentonville, Arkansas, and thereby

indirectly acquire Pinnacle Bank, Bentonville,

Arkansas.

LONOKE BANCSHARES, INC.

Newspaper:

Federal Register:

* 4c8 08/03/2006

08/07/2006

Republic Bancorp, Inc., Louisville, Kentucky,

to acquire 100 percent of GulfStream

Community Bank, Port Richey, Florida, and

thereby operate a savings association.

REPUBLIC BANCORP, 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

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 July 15, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/04/2006

Glacier Bancorp, Inc., Kalispell, Montana, to

acquire 100 percent of First National Bank of

Morgan, Morgan, Utah, through merger with

and into New First National Bank of Morgan,

an interim bank.

GLACIER BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

08/07/2006

Richey Bancorporation Inc., Glendive,

Montana, to increase it ownership interest in

Community First Bancorp, Inc. Glendive,

Montana, from 25% to 33.33%, and thereby

indirectly acquire Community First Bank,

Glendive, Montana.

RICHEY BANCORPORATION,

INC.

Newspaper:

Federal Register:

* 3A3 07/14/2006

07/10/2006

State Bank of Hawley Employee Stock

Ownership Plan, Hawley, Minnesota, proposes

to increase its ownership to 46% of Bankshares

of Hawley, Inc., Hawley, Minnesota.

STATE BANK OF HAWLEY

EMPLOYEE STOCK

OWNERSHIP PLAN & TRUST

Newspaper:

Federal Register:

* 3A5 Not available

07/31/2006

U.S. Bancorp, Minneapolis, Minnesota, to

acquire 100 percent of Vail Banks, Inc., Avon,

Colorado, and thereby indirectly acquire

WestStar Bank, Vail, Colorado.

U.S. BANCORP

* 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 July 15, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/11/2006

Ameri-National Corporation, Leawood,

Kansas, to acquire 100 percent of the voting

shares of Heritage Bank, National Association,

Phoenix, Arizona, a de novo bank.

Newspaper:

Federal Register:

* Branch

Not applicable

Adams Bank and Trust, Ogallala, Nebraska, to 07/28/2006

establish a mobile branch bank to be located at

1310 Garden of the Gods Road, Colorado

Springs, Colorado.

ADAMS BANK & TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

Ameristate Bank, Atoka, Oklahoma, to 07/17/2006

establish a branch to be located at 4322 Loy

Lake Road, Sherman, Texas.

AMERISTATE BANK

Newspaper:

Federal Register:

CIC 07/26/2006

07/17/2006

Notice by Daniel T. Sims and Nicolette B.

Sims, Leawood, Kansas, and Daniel T. Sims as

co-trustee of the Will Ben Sims Marital Trust

and the Patricia L. Sims Family Trust; Stephen

L. Riffel and Mary Susan Riffel, Moberly,

Missouri, and Mary Susan Riffel as co-trustee

of the Patricia L. Sims Family Trust; Will Ben

Sims Marital Trust, Moberly Missouri; Patricia

L. Sims Family Trust, Moberly, Missouri; to

acquire control of Chariton County

Bancshares, Inc., Moberly, Missouri, parent of

County Bank, Brunswick, Missouri.

CHARITON COUNTY

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

First Community Bank, Taos, New Mexico, to 07/01/2006

establish a branch at 4582 South Ulster Street,

Suite 100, Denver, Colorado.

FIRST COMMUNITY BANK

Newspaper:

Federal Register:

* 3A1 Not available

08/11/2006

TriCentury Corporation, Overland Park,

Kansas, to become a bank holding company

through the acquisition of 100 percent of the

voting shares of Nine Tribes Bancshares, Inc.,

parent of The Bank of Quapaw, both in

Quapaw, Oklahoma.

TRICENTURY CORPORATION

* 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 July 15, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 07/28/2006

08/07/2006

Bryan Family Management Trust and Bryan

Heritage Limited Partnership, both of Bryan,

Texas, to acquire additional shares up to 51%

of The First National Bank of Bryan, Bryan,

Texas.

BRYAN FAMILY

MANAGEMENT TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

PlainsCapital Bank, Lubbock, Texas, to 07/14/2006

establish a branch to be located at 150 East

Sonterra Boulevard, San Antonio, Texas

78258.

PLAINSCAPITAL BANK

* 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 July 15, 2006

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Utah, Ogden, Utah, to establish a 07/31/2006

branch facility at 950 West 800 North, Orem,

Utah.

BANK OF UTAH

Newspaper:

Federal Register:

* Branch

Not applicable

Temecula Valley Bank, Temecula, California, 07/11/2006

to establish a branch facility at 3595 Inland

Empire Blvd, Ontario, California.

TEMECULA VALLEY BANK

Newspaper:

Federal Register:

CIC 07/20/2006

07/28/2006

The Banc Funds Company, L.L.C., Banc Fund

V L.P., Banc Fund VI L.P., and Banc Fund VII

L.P., all of Chicago, Illinois, to acquire up to

24.9 percent of Valley Commerce Bancorp,

and thereby indirectly acquire Valley Business

Bank, both of Visalia, California.

VALLEY COMMERCE

BANCORP

* 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