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 18, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

OLD SOUTHERN BANK

Member

Old Southern Bank, Clermont, Florida, (in organization) to become a member of the Federal Reserve System.

Newspaper:	Not applicable
Federal Register:	Not applicable

SECURITY BANK CORPORATION

* 3A5

Security Bank Corporation, Macon, Georgia, to merge with Neighbors Bancshares, Inc., and thereby acquire its subsidiary, Neighbors Bank, both of Alpharetta, Georgia.

Newspaper:	Not available
Federal Register:	Not available

SOUTHEASTERN BANK FINANCIAL CORPORATION

CIC

Southeastern Bank Financial Corporation, Augusta, Georgia, after-the-fact change in control notification filed by the Pollard Family Group (Jennie Floyd Pollard, Robert W. Pollard, Jr., Patricia D. Pollard, Zachary Duncan Pollard, Ann Elizabeth Pollard, Richard Daniel Blanton, Patricia Pollard Blanton, Thomas Vinson Blanton, II, Jennie Briggs Blanton, Clayton Edward Blanton, Lee Blanton West, Levi Anderson Pollard, V, Levi Anderson Pollard, VI, Lucy Ann Pollard, Pollard Land Company, all of Appling, Georgia, and Robert William Pollard, III, Evans, Georgia, Richard Daniel Blanton, Jr., Carrollton, Georgia, Lynn Pollard Nickerson and Paul Rush Battle, both of Atlanta, Georgia, and RWP, Sr. Enterprises, LLLP, Appling, Georgia, Robert W. Pollard, Jr., Patricia Pollard Blanton, Levi Anderson Pollard, V, and Lynn Pollard Nickerson, general partners), to retain 47.9 percent of Southeastern Bank Financial Corporation, and its subsidiary bank, Georgia Bank & Trust, both of Augusta, Georgia.

Newspaper:	Not available
Federal Register:	02/27/2006

UPPER CUMBERLAND BANCSHARES, INC.

* 3A3

Upper Cumberland Bancshares, Inc., and its parent company, Employee Stock Ownership Trust of People's Bank and Trust Company of Pickett County, both of Byrdstown, Tennessee, to acquire 100 percent of the outstanding shares of People's Bank and Trust Company of Clinton County, Albany, Kentucky (in organization).

Newspaper:	02/26/2006
Federal Register:	Not available

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 Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution	Location
NONE

District: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending February 18, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

District: 6
Federal Reserve Bank of: Atlanta