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 January 28, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

CITIZENS BANCSHARES, INC., ESOP

* 3A3

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.

Newspaper:	02/19/2006
Federal Register:	02/21/2006

FIRST FIDELITY BANCORP, INC.

* 3A3

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).

Newspaper:	Not available
Federal Register:	Not available

HULETT HOLDING COMPANY

* 3A1

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.

Newspaper:	01/30/2006
Federal Register:	02/10/2006

STOCKTON BANCSHARES, INC.

CIC

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.

Newspaper:	Not available
Federal Register:	02/15/2006

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
FREEDOM BK OKLAHOMA, TULSA, OKLAHOMA	284154	10/17/2005	01/05/2006	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 January 28, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 10
Federal Reserve Bank of: Kansas City