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 June 30, 2007

Filer

Filing Type

Filing Proposal

End of Comment Period

BANCTRUST FINANCIAL GROUP, INC.

* 3A5

BancTrust Financial Group, Mobile, Alabama, to merge with Peoples BancTrust Company, Inc., and thereby acquire its subsidiary, Peoples Bank & Trust Company, both of Selma, Alabama.

Newspaper:	07/23/2007
Federal Register:	07/23/2007

FLORIDA BANK GROUP, INC.

* 3A5

Florida Bank Group, Inc., Tampa, Florida (formerly FBG Holding Company), to merge with Cygnet Financial Corporation, and thereby acquire Cygnet Private Bank, both of Ponte Vedra, Florida.

Newspaper:	07/23/2007
Federal Register:	07/26/2007

OVERTON FINANCIAL SERVICES, INC.

CIC

Overton Financial Services, Inc., Livingston, Tennessee (BHC), three after-the-fact change in control notices filed by the following: (1) the Jack Windle Irrevocable Life Insurance Trust, Livingston, Tennessee, through its co-Trustees, Joyce Dodson Windle, Livingston, Tennessee; and John D. Copeland, Chattanooga, Tennessee; to retain 29.18 percent of the outstanding shares of BHC, and its subsidiary, Union Bank and Trust Company, Livingston, Tennessee (Bank); (2) the Credit Shelter Trust under the Last Will and Testament of Jack Allen Windle, Livingston, Tennessee, through its co-Trustees, Joyce Dodson Windle, Livingston, Tennessee; John D. Copeland, Chattanooga, Tennessee; and Thomas Alfred Windle, Cookeville, Tennessee; to retain 28.94 percent of the outstanding shares of BHC and Bank; and (3) the Tennessee Qualified Terminable Interest Trust under the Last Will and Testament of Jack Allen Windle, through its co-Trustees, Joyce Dodson Windle, Livingston, Tennessee; John D. Copeland, Chattanooga, Tennessee; and Thomas Alfred Windle, Cookeville, Tennessee; to retain 27.82 percent of the outstanding shares of BHC and Bank.

Newspaper:	Not available
Federal Register:	Not available

REGIONS BANK

* Branch

Regions Bank, Birmingham, Alabama, to establish branches at the following locations: 7515 SW 24th Avenue, Gainesville, Florida, to be known as the Tower Road Branch; and 5570 Windward Parkway, Alpharetta, Georgia, to be known as the Windward Parkway Branch.

Newspaper:	07/10/2007
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 June 30, 2007

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta