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

District: 6
Federal Reserve Bank of: Atlanta

Filings received during the week ending February 3, 2007

Filer

Filing Type

Filing Proposal

End of Comment Period

ENCORE BANCSHARES, INC.

* 3A1

Encore Bancshares, Inc., Houston, Texas, to become a bank holding company by acquiring 100 percent of the capital stock of Encore Bank, to be located in Naples, Florida, upon Encore bank's conversion from a federal savings bank to a national bank.

Newspaper:	Not available
Federal Register:	03/05/2007

FIRST CARTHAGE CORPORATION

CIC

First Heritage Corporation, Carthage, Mississippi (formerly First Carthage Corporation), prior change in control notice filed by Dr. S. L. Sethi, Mr. Earle Jones, Mrs. Irene Jones, Mr. Ray Harrigill, Mrs. Monica Harrigill, Mr. William Price, Mr. Vikas Majithia, Mr. Sukdev Thind and Mr. Baldev B. Patel, to acquire an additional 49.06 percent of the outstanding shares of First Heritage Corporation, and its subsidiary, Heritage Banking Group, both of Carthage, Mississippi. Total ownership will equal 49.83 percent.

Newspaper:	02/14/2007
Federal Register:	02/22/2007

FIRST NBC BANK HOLDING COMPANY

* 3A1

First NBC Bank Holding Company, to become a bank holding company by acquiring 100 percent of the outstanding shares of First NBC Bank, both of New Orleans, Louisiana.

Newspaper:	03/05/2007
Federal Register:	03/05/2007

SECURITY BANK CORPORATION

4c8

Security Bank Corporation, Macon, Georgia, to acquire CFS Wealth Management, LLC, Macon, Georgia, and thereby engage in financial and investment advisory, and providing securities brokerage services.

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 Quarter of

Institution	Location
NONE

District: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending February 3, 2007

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta