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

District: 6
Federal Reserve Bank of: Atlanta

Filings received during the week ending January 13, 2007

Filer

Filing Type

Filing Proposal

End of Comment Period

ATB MANAGEMENT, LLC

* 3A1

ATB Management, LLC, Birmingham, Alabama, to become a bank holding company by acquiring control of ATB Holdings, LLC, Birmingham, Alabama, and indirectly aquiring control of Alabama Trust Bank, N.A., Sylacauga, Alabama.

Newspaper:	Not available
Federal Register:	02/12/2007

FIRST CITIZENS FINANCIAL CORPORATION

* 3A1

First Citizens Financial Corporation, Dawsonville, Georgia, to become a bank holding company by acquiring 100 percent of the outstanding shares of First Citizens Bank of Georgia, Dawsonville, Georgia (in organization).

Newspaper:	01/29/2007
Federal Register:	Not available

FIRST COMMERCIAL BANK OF FLORIDA

* Branch

First Commercial Bank of Florida, Orlando, Florida, to establish a branch located at 800 Deltona Boulevard, Deltona, Florida, to be known as the West Volusia Office.

Newspaper:	01/19/2007
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: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending January 13, 2007

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta