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

District: 12
Federal Reserve Bank of: San Francisco

Filings received during the week ending June 3, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

First Mountain Bancorp

3A1

First Mountain Bancorp to become a bank holding company by acquiring 100 percent of First Mountain Bank, both of Big Bear Lake, California.

Newspaper:	Not applicable
Federal Register:	Not applicable

FRONTIER FINANCIAL CORPORATION

* 3A3

Frontier Financial Corporation, Everett, Washington, to acquire 12.2 percent of Skagit State Bancorp, Inc., and thereby indirectly acquire shares in its subsidiary, Skagit State Bank, both of Burlington, Washington.

Newspaper:	06/11/2006
Federal Register:	06/09/2006

Orange Community Bancorp

* 3A1

Orange Community Bancorp to become a bank holding company by acquiring 100 percent of Orange Community Bank, both of Orange, California.

Newspaper:	Not available
Federal Register:	06/30/2006

SAN JOAQUIN BANCORP

* 3A1

San Joaquin Bancorp to become a bank holding company by acquiring 100 percent of San Joaquin Bank, both of Bakersfield, California.

Newspaper:	Not available
Federal Register:	06/09/2006

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
OREGON PACIFIC BKG CO, FLORENCE, OREGON	160360	01/23/2006	05/18/2006	S	Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

District: 12 Federal Reserve Bank of: San Francisco

Filings received during the week ending June 3, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 12
Federal Reserve Bank of: San Francisco