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

District: 5
Federal Reserve Bank of: Richmond

Filings received during the week ending November 26, 2005

Filer

Filing Type

Filing Proposal

End of Comment Period

Atlantic Bancshares, Inc.

* 3A1

Atlantic Bancshares, Inc., Bluffton, South Carolina, to become a bank holding company through the acquisition of 100% of the voting securities of Atlantic Community Bank, Bluffton, South Carolina (in organization).

Newspaper:	12/16/2005
Federal Register:	Not available

BANK OF WILLIAMSBURG, THE

* Branch

Bank of Williamsburg, Williamsburg, Virginia, to establish a branch facility to be located at 5030 George Washington Memorial Highway, Grafton, Virginia.

Newspaper:	12/02/2005
Federal Register:	Not applicable

WACHOVIA BANK, NATIONAL ASSOCIATION

Investment

Wachovia Bank, National Association, Charlotte, North Carolina, to establish and subsequently make investments in two subsidiaries of Cardinal International Leasing, LLC., an Agreement Corporation.

Newspaper:	Not applicable
Federal Register:	Not applicable

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
BANK OF GASSAWAY	GASSAWAY, WEST VIRGINIA
BANK OF NORTHUMBERLAND	HEATHSVILLE, VIRGINIA
COMMUNITY BK OF TRI-CTY	WALDORF, MARYLAND
FAUQUIER BK	WARRENTON, VIRGINIA
FIRST CHARTER BK	CHARLOTTE, NORTH CAROLINA
HIGHLANDS UNION BK	ABINGDON, VIRGINIA
JOHNSONVILLE ST BK	JOHNSONVILLE, SOUTH CAROLINA
PEOPLES BK OF MULLENS	MULLENS, WEST VIRGINIA
RBC CENTURA BK	ROCKY MOUNT, NORTH CAROLINA
RESOURCE BK	VIRGINIA BEACH, VIRGINIA
SECOND B&TC	CULPEPER, VIRGINIA

District: 5 Federal Reserve Bank of: Richmond

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: 5
Federal Reserve Bank of: Richmond