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 January 7, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

BJC HOLDINGS,INC.

CIC

BJC Holdings, Inc., Graceville, Florida, after-the-fact change in control notice filed by Thomas W. Wilder, III, Slocomb, Alabama, and Thomas W. Wilder, IV, Marianna, Florida, to retain 92.28 percent of the outstanding shares of BJC Holdings, Inc., Graceville, Florida, and its subsidiary, Bank of Jackson County, Graceville, Florida.

Newspaper:	01/05/2006
Federal Register:	01/06/2006

COMPASS BANK

* Branch

Compass Bank, Birmingham, Alabama, to establish a branch located at 13388 North Freeway, Ft. Worth, Texas, to be known as the Ft. Worth - North Freeway Branch.

Newspaper:	01/12/2006
Federal Register:	Not applicable

ORION BANK

* Branch

Orion Bank, Naples, Florida, to establish a branch located at 631 U.S. Highway One, Suite 411, North Palm Beach, Florida, to be known as the North Palm Beach Office.

Newspaper:	01/20/2006
Federal Register:	Not applicable

WHITNEY HOLDING CORPORATION

* 3A5

Whitney Holding Corporation, New Orleans, Louisiana, to merge with First National Bancshares, Inc., and thereby acquire its subsidiary, 1st National Bank and Trust, both of Bradenton, Florida.

Newspaper:	02/04/2006
Federal Register:	01/31/2006

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: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending January 7, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta