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 July 8, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

BANK OF MARION, THE

Premises

The Bank of Marion, Marion, Virginia, to increase its investment in bank premises in the amount of $43,266.

Newspaper:	Not applicable
Federal Register:	Not applicable

VIRGINIA HERITAGE BANK

* Branch

Virginia Heritage Bank, Fairfax, Virginia, proposes to establish a branch at 7905 Heritage Village Plaza, Gainesville, Virginia.

Newspaper:	07/24/2006
Federal Register:	Not applicable

WACCAMAW BANK

* Branch

Waccamaw Bank, Whiteville, North Carolina, proposes to establish a branch at 923 Seaside Road SW, Ocen Isle Beach, North Carolina.

Newspaper:	07/21/2006
Federal Register:	Not applicable

WACHOVIA CORPORATION

* 4c8

Wachovia Corporation, Charlotte, North Carolina, to acquire 100% of the voting securities of Golden West Financial Corporation, Oakland, California, and thereby indirectly acquire World Savings Bank, FSB, Oakland, California, and its thrift subsidiary, World Savings Bank, FSB (Texas), Houston, Texas, and engage in the activities of operating a savings association, and indirectly acquire Atlas Advisors, Inc., San Leandro, California, and engage in investment advisory activities, and indirectly acquire Atlas Securities, Inc., San Leandro, California, and engage in securities brokerage services, and indirectly acquire World Mortgage Investors, Inc., Rockville, Maryland, and engage in the activities of extending credit and servicing loans.

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
NONE

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending July 8, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond