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 November 4, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

ARMSTRONG BANCSHARES, INC.

CIC

Notification by Margaret Ann Farmer, Sallisaw, Oklahoma, to acquire control of Armstrong Bancshares, Inc., Muskogee, Oklahoma, parent of Armstrong Bank, Muskogee, Oklahoma.

Newspaper:	Not available
Federal Register:	11/22/2006

BANK OF NICHOLS HILLS

* Branch

Bank of Nichols Hills, to establish a branch at 7400 N. Western, both in Oklahoma City, Oklahoma.

Newspaper:	Not available
Federal Register:	Not applicable

COMMERCE BANCORP, INC.

CIC

Notification by Tommy L. Daughtrey, Janice Fowler and Jerry Vaughn, all of Duncan, Oklahoma, as individuals and as trustees of the Commerce Bancorp, Inc. Employee Stock Ownership Plan (in formation), to acquire control of Commerce Bancorp, Inc., parent of Bank of Commerce, all of Duncan, Oklahoma.

Newspaper:	Not available
Federal Register:	11/24/2006

COMMUNITY BANCSHARES OF KANSAS, INC.

* 3A1

Community Bancshares of Kansas, Inc., Goff, Kansas, to become a bank holding company through the acquisition of 100 percent of the voting shares of Nemaha Investment Company, Inc., Merriam, Kansas, parent of First State Bank of Goff, Goff, Kansas.

Newspaper:	Not available
Federal Register:	12/04/2006

IRONHORSE FINANCIAL GROUP, INC.

* 3A1
* 3A3

Ironhorse Financial Group, Inc., Norman, Oklahoma, to become a bank holding company through the acquisition of 100 percent of the voting shares of Republic Bank & Trust, Norman, Oklahoma. Ironhorse Financial Group, Inc., to acquire 100 percent of the voting shares of Armstrong Bancshares, Inc., parent of Armstrong Bank, both in Muskogee, Oklahoma.

Newspaper:	Not available
Federal Register:	12/04/2006

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
NONE

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

District: 10 Federal Reserve Bank of: Kansas City

Filings received during the week ending November 4, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 10
Federal Reserve Bank of: Kansas City