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

District: 5
Federal Reserve Bank of: Richmond

Filings received during the week ending March 18, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

BANK OF MCKENNEY

* Branch

Bank of McKenney, McKenney, Virginia, proposes to establish a branch at 4112 A. Commerce Road, Prince George, Virginia.

Newspaper:	03/27/2006
Federal Register:	Not applicable

CENTRA FINANCIAL HOLDINGS, INC.

* 3A3

Centra Financial Holdings, Inc., Morgantown, West Virginia, to acquire up to 100% of the voting securities of Smithfield State Bank of Smithfield, Pennsylvania, Smithfield, Pennsylvania.

Newspaper:	Not available
Federal Register:	Not available

SOUTHSIDE BANK

* 18C
* Branch

Southside Bank, Tappahannock, Virginia, to merge with Bank of Northumberland, Incorporated, Heathsville, Virginia.

Newspaper:	04/05/2006
Federal Register:	Not applicable

SOUTHSIDE BANK

* 18C
* Branch

Southside Bank, Tappahannock, Virginia, to merge with Hanover Bank, Mechanicsville, Virginia.

Newspaper:	04/05/2006
Federal Register:	Not applicable

SUFFOLKFIRST BANK

* Branch

SuffolkFirst Bank, Suffolk, Virginia, requests permission to provide a courier service to pick up deposits from customers.

Newspaper:	03/20/2006
Federal Register:	Not applicable

SUSQUEHANNA BANK

* Branch

Susquehanna Bank, Hagerstown, Maryland, proposes to esatblish a branch at 801 Norland Avenue, Chambersburg, Pennsylvania.

Newspaper:	03/31/2006
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
PATAPSCO BK, DUNDALK, MARYLAND	105071	11/14/2005	02/09/2006	S	Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending March 18, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond