Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 10
Federal Reserve Bank of: Kansas City

Filings received during the week ending March 18, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

DS HOLDING COMPANY, INC.

* 3A1

DS Holding Company, Inc., to become a bank holding company through the acquisition of 100 percent of the voting shares of DB Holding Company, Inc., parent of Omaha State Bank, all located in Omaha, Nebraska. DS Holding Company, Inc., Omaha, Nebraska, elects to become a financial holding company.

Newspaper:	03/30/2006
Federal Register:	04/03/2006

GUARANTY BANK AND TRUST COMPANY

* Branch

Guaranty Bank and Trust Company, Denver, Colorado, to establish a branch at 290 Nickel Street, Suite 300, Broomfield, Colorado.

Newspaper:	03/29/2006
Federal Register:	Not applicable

HNB CORPORATION

CIC

Notification by Trenton W. Brown, Ponca City, Oklahoma; Lisa D. Kessler, Scottsdale, Arizona; Mark R. Brown, Scottsdale, Arizona; Mary J. Brown, Arkansas City, Kansas; R. A. Brown, Arkansas City, Kansas; Roger A. Brown, Arkansas City, Kansas; Suzanne W. Brown, Arkansas City, Kansas; Charlotte B. Delaney, Winnetka, Illinois; and Rebecca R. Warren, Ponca City, Oklahoma, to acquire control of HNB Corporation, Arkansas City, Kansas, parent of Home National Bank, Blackwell, Oklahoma.

Newspaper:	03/28/2006
Federal Register:	03/09/2006

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
FIRST B&TC, BROKEN BOW, OKLAHOMA	419255	12/05/2005	03/09/2006	S	Small Bank
SECURITY BK, PAWNEE, OKLAHOMA	516855	12/05/2005	03/09/2006	S	Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

District: 10 Federal Reserve Bank of: Kansas City

Filings received during the week ending March 18, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 10
Federal Reserve Bank of: Kansas City