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 November 19, 2005

Filer

Filing Type

Filing Proposal

End of Comment Period

BANK OF FAYETTEVILLE NATIONAL ASSOCIATION

Member

The Bank of Fayetteville, National Association, Fayetteville, Arkansas, to become a member of the Federal Reserve System.

Newspaper:	Not applicable
Federal Register:	Not applicable

CLAYTON BANCORP, INC

4c8
* 3A5

Clayton Bancorp, Inc., Henderson, Tennessee, to merge with Bancshares of Camden, Inc., Camden, Tennessee, and thereby indirectly acquire Bank of Camden, Camden, Tennessee. Also, Clayton Bancorp, Inc., Henderson, Tennessee, to indirectly engage in reinsuring credit life, credit accident, and health insurance activies through the indirect acquisition of BOC Reinsurance Company, Ltd., Crossville, Tennessee.

Newspaper:	12/04/2005
Federal Register:	12/12/2005

COMMUNITY FIRST BANCSHARES, INC.

* 3A3

Community First Bancshares, Inc., Harrison, Arkansas ("Community"), to acquire additional shares of White River Bancshares Company, Fayetteville, Arkansas ("Bancshares"), and thereby indirectly acquire Signature Bank, Fayetteville, Arkansas. The acquisition will result in Community retaining ownership of up to 23.33 percent of Bancshares stock.

Newspaper:	12/12/2005
Federal Register:	12/12/2005

HOME BANCSHARES, INC.

* 3A3

Home Bancshares, Inc., Conway, Arkansas ("Home"), to acquire additional shares of White River Bancshares Company, Fayetteville, Arkansas ("Bancshares"), and thereby indirectly acquire Signature Bank, Fayetteville, Arkansas. The acquisition will result in Home retaining ownership of up to 20.0 percent of Bancshares stock.

Newspaper:	11/26/2005
Federal Register:	12/15/2005

MEMPHISFIRST CORPORATION

CIC

Notice by a group acting in concert to gain control of MemphisFirst Corporation, Memphis, Tennessee. The group consists of Scott Lee Bolding, Fayetteville, Arkansas; John Spellings Everett, Collierville, Tennessee; John Edgar Griffin, Columbus, Mississippi; Dayton Reid Hedgepeth, Memphis, Tennessee; Donald Lee Hutson, Memphis, Tennessee; Pritesh Bhagubhai Patel, Fort Worth, Texas; Jon Abner Reeves, Southaven, Mississippi; James Lee Stafford, West Point, Mississippi; James Lynn Teel, Winter Park, Florida; Brent Derek Trulove, Memphis, Tennessee; Frank Pearson Uhlhorn, Germantown, Tennessee; Theodore Gaillard Uhlhorn, V, Memphis, Tennessee; John Bullington Walker, Germantown, Tennessee; and William Gerald Washington, Randolph, Mississippi.

Newspaper:	12/01/2005
Federal Register:	12/05/2005

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: 8 Federal Reserve Bank of: St. Louis

Filings received during the week ending November 19, 2005

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 8
Federal Reserve Bank of: St. Louis