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

District: 11
Federal Reserve Bank of: Dallas

Filings received during the week ending October 7, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

FIRST COMMERCIAL FINANCIAL CORP

CIC

Notice filed by the First Commercial Financial Corp. Employee Stock Ownership Plan, Seguin, Texas, along with Mr. Mark A. Long, McQueeney, Texas, and Mr. Kelly Goulart, Seguin, Texas, Individually and as trustees for The First Commerical Financial Corp. Employee Stock Ownership Plan, to retain control of 13.67 percent, and to increase control up to 24.99 percent of First Commercial Financial Corp., Seguin, Texas, and therefore indirectly First Commercial Bank, National Association, Seguin, Texas.

Newspaper:	Not available
Federal Register:	10/24/2006

HIGHLANDS BANCSHARES, INC.

* 3A1

Highlands Bancshares, Inc., Dallas, Texas, to become a bank holding company by acquiring 100 percent of First Jacksboro Bancshares, Inc., Jacksboro, Texas, and indirectly acquire First Jacksboro Bancshares of Delaware, Inc., Wilmington, Delaware, and The First National Bank of Jacksboro, Jacksboro, Texas.

Newspaper:	10/31/2006
Federal Register:	10/26/2006

KLEBERG AND COMPANY BANKERS, INC.

4c8
* 3A5

Kleberg & Company Bankers, Inc., Kingsville, Texas, and Kleberg Delaware, Inc., Dover, Delaware, to acquire by merger 100 percent of Brazosport Corporation, Corpus Christi, Texas, and indirectly acquire Brazosport Corporation - Nevada, Inc., Carson City, Nevada, and First Commerce Bank, Corpus Christi, Texas. Also, Kleberg & Company Bankers, Inc., Kingsville, Texas, and Kleberg Delaware, Inc., Dover, Delaware, will engage in nonbanking activities pursuant to Section 225.28(b)(1) of Regulation Y though the acquisition of an existing company, First Commerce Mortgage Corporation, Corpus Christi, Texas.

Newspaper:	10/20/2006
Federal Register:	10/30/2006

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
NONE

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

District: 11 Federal Reserve Bank of: Dallas

Filings received during the week ending October 7, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 11
Federal Reserve Bank of: Dallas