Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 4
Federal Reserve Bank of: Cleveland

Filings received during the week ending December 24, 2005

Filer

Filing Type

Filing Proposal

End of Comment Period

FIFTH THIRD BANK

* Branch

Fifth Third Bank, Cincinnati, OH to establish a branch at 6403 Branch Hill Guinea Pike, Loveland, OH.

Newspaper:	12/22/2005
Federal Register:	Not applicable

NEW RICHMOND BANCORPORATION

CIC

Interagency Notice of Change in Bank Control filed by Mr. Jay L. Dunlap, Lincoln, NB acting as attorney and agent on behalf of Mark Dunlap to vote 58.25 shares or 55.48% of the outstanding voting shares of New Richmond Bancorporation, New Richmond, OH.

Newspaper:	Not available
Federal Register:	12/23/2005

SKY FINANCIAL GROUP, INC.

* 3A3

Sky Financial Group, Bowling Green, OH to acquire up to 9.99 percent of LNB Bancorp, Lorain, OH

Newspaper:	Not available
Federal Register:	Not available

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.

Institution / Location	RSSD ID	Exam Date	CRA Public Date	CRA Rating	Exam Method
CORTLAND SVG & BKG CO, CORTLAND, OHIO	846619	08/22/2005	12/04/2005	S	Large Bank
FIFTH THIRD BK, CINCINNATI, OHIO	723112	07/05/2005	12/01/2005	O	Large Bank
MARBLEHEAD BK, MARBLEHEAD, OHIO	513920	06/27/2005	09/06/2005	S	Small Bank
RICHWOOD BKG CO, RICHWOOD, OHIO	150727	10/03/2005	12/08/2005	S	Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

District: 4 Federal Reserve Bank of: Cleveland

Filings received during the week ending December 24, 2005

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 4
Federal Reserve Bank of: Cleveland