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

District: 10
Federal Reserve Bank of: Kansas City

Filings received during the week ending December 24, 2005

Filer

Filing Type

Filing Proposal

End of Comment Period

CHICKASHA BANCSHARES, INC.

4c8

Chickasha Bancshares, Inc., proposes to indirectly engage in mortgage loan activities through its subsidiaries, Chickasha Bank & Trust Company, and Washita Mortgage, Inc., all in Chickasha, Oklahoma, through the formation of Washita Mortgage Solutions, LLC, Lawton, Oklahoma. Commerce Bancorp, Inc., proposes to indirectly engage in mortgage loan activities through its subsidiary, Bank of Commerce, both in Duncan, Oklahoma, through the formation of Washita Mortgage Solutions, LLC, Lawton, Oklahoma.

Newspaper:	Not applicable
Federal Register:	Not applicable

PAWHUSKA FINANCIAL CORP.

* 3A1

Pawhuska Financial Corp. to become a bank holding company through the acquisition of 100 percent of the voting shares of First National Bank of Pawhuska, both in Pawhuska, Oklahoma.

Newspaper:	01/13/2006
Federal Register:	01/17/2006

TONGANOXIE BANKSHARES, INC.

* 3A3

Tonganoxie Bankshares, Inc., Tonganoxie, Kansas, to acquire 53 percent of the voting shares of Overbrook Bankshares, Inc., parent of First Security Bank, both in Overbrook, Kansas.

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
FIRST ST BK, LINCOLN, NEBRASKA	499453	08/29/2005	11/28/2005	S	Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

District: 10 Federal Reserve Bank of: Kansas City

Filings received during the week ending December 24, 2005

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 10
Federal Reserve Bank of: Kansas City