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

District: 8
Federal Reserve Bank of: St. Louis

Filings received during the week ending January 14, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

FIRST NATIONAL BANCORP, INC.

* 3A3

First National Bancorp, Inc., Green Forest, Arkansas ("Bancorp"), to acquire additional shares of Legacy National Bank, Springdale, Arkansas ("Bank"). The acquisition will result in Bancorp retaining ownership of up to 9.99 percent of Bank's stock.

Newspaper:	Not available
Federal Register:	02/10/2006

M&P COMMUNITY BANCSHARES, INC. 401(K) EMPLOYEE STOCK OWNERSHIP PLAN

* 3A1

M&P Community Bancshares, Inc. 401(k) Employee Stock Ownership Plan, Newport, Arkansas, to become a bank holding company by acquiring an additional 1.63 percent for total ownership of 26.58 percent of M&P Community Bancshares, Inc., Newport, Arkansas, and thereby indirectly acquire Greers Ferry Lake State Bank, Heber Springs, Arkansas, and Merchants & Planters Bank, Newport, Arkansas. Also elects to become a financial holding company.

Newspaper:	01/27/2006
Federal Register:	02/02/2006

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
SIMMONS FIRST BK, SEARCY, ARKANSAS	966348	09/26/2005	01/09/2006	S	Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

District: 8 Federal Reserve Bank of: St. Louis

Filings received during the week ending January 14, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 8
Federal Reserve Bank of: St. Louis