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

District: 2
Federal Reserve Bank of: New York

Filings received during the week ending November 26, 2005

Filer

Filing Type

Filing Proposal

End of Comment Period

CHECKSPRING COMMUNITY CORPORATION

* 3A1

Final application by CheckSpring Community Corporation, a Delaware corporation headquartered in Bronx, New York, for prior approval of the Board of Governors of the Federal Reserve System, pursuant to Section 3(a)(1) of the Bank Holding Company Act of 1956, as amended, to become a bank holding company through the acquisition of all the voting stock to be issued by CheckSpring Bank (in organization), a proposed de novo New York State chartered commercial Bank.

Newspaper:	Not available
Federal Register:	Not available

ISRAEL SALT INDUSTRIES LTD.

4c8

Notice by Bank Hapoalim B.M., Arison Holdings Ltd. and Israel Salt Industries Ltd. all of Tel Aviv, Israel to acquire Investec USA, New York, NY and thereby engage in nonbanking activities pursuant to Sections 225.28(b)(6), (7) and (8) of Regulation Y.

Newspaper:	Not applicable
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
NONE

CRA Examinations scheduled for First Quarter of 2006 (January 1, 2006 - March 31, 2006)

Institution	Location
CHEMUNG CANAL TC	ELMIRA, NEW YORK
COMMUNITY BK OF BERGEN CTY	MAYWOOD, NEW JERSEY
MIZUHO CORP BK USA	NEW YORK, NEW YORK
TIOGA ST BK	SPENCER, NEW YORK
UNITED STATES TC OF NY	NEW YORK, NEW YORK

District: 2 Federal Reserve Bank of: New York

Filings received during the week ending November 26, 2005

Availability of CRA Public Evaluations

CRA Examinations scheduled for First Quarter of 2006 (January 1, 2006 - March 31, 2006)

District: 2
Federal Reserve Bank of: New York