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 February 25, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

AMERICAN FOUNDERS BANCORP, INC.

4c8
* 3A1
* 3A3

American Founders Bancorp, Inc., Frankfort, Kentucky, to become a bank holding company by acquiring 100 percent of American Founders Bank, Inc., Frankfort, Kentucky. In addition, American Founders Bancorp, Inc., proposes to acquire 100 percent of First Security Bancorp, Inc., Lexington, Kentucky ("Bancorp"), and thereby indirectly acquire First Security Bank of Lexington, Inc., Lexington, Kentucky. Through the acquisition of Bancorp, American Founders Bancorp, Inc., will also acquire 50 percent of Peoples Secure, LLC, Lexington, Kentucky, and thereby indirectly engage in data processing activities.

Newspaper:	03/19/2006
Federal Register:	03/17/2006

FIRST BANKS, INC.

* 3A3

First Banks, Inc., Hazelwood, Missouri, and its subsidiary bank holding company, The San Francisco Company, San Francisco, California, to acquire 80 percent of First Independent National Bank, Plano, Texas.

Newspaper:	03/20/2006
Federal Register:	03/23/2006

FIRST BANKS, INC.

* 18C
* Branch
* 3A3

First Banks, Inc., St. Louis, Missouri, and its subsidiary bank holding company, The San Francisco Company, San Francisco, California, to acquire 100 percent of Pittsfield Community Bancorp, Inc., Pittsfield, Illinois, and thereby indirectly acquire Community Bank of Pittsfield, Pittsfield, Illinois. Also, First Bank, St. Louis, Missouri, to merge with Community Bank of Pittsfield, Pittsfield, Illinois, and to retain the acquired facilities as branch offices.

Newspaper:	03/17/2006
Federal Register:	03/23/2006

FIRST M & F CORPORATION

* 3A5

First M & F Corporation, Kosciusko, Mississippi, to merge with Crockett County Bancshares, Inc., Bells, Tennessee, and thereby indirectly acquire Bells Banking Company, Bells, Tennessee.

Newspaper:	Not available
Federal Register:	03/24/2006

TWIN CITY BANK

Member

Twin City Bank, North Little Rock, Arkansas, to become a member of the Federal Reserve System.

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: 8 Federal Reserve Bank of: St. Louis

Filings received during the week ending February 25, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 8
Federal Reserve Bank of: St. Louis