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 April 15, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

BB&T CORPORATION

* 3A5

BB&T Corporation, Winston-Salem, North Carolina, to acquire 100% of the voting securities of First Citizens Bancorp, Cleveland, Tennessee.

Newspaper:	Not available
Federal Register:	Not available

CITIZENS BANK AND TRUST COMPANY

* Branch

Citizens Bank & Trust Company, Blackstone, Virginia, to establish a branch facility to be located at 622 E. Atlantic Street, South Hill, Virginia.

Newspaper:	Not available
Federal Register:	Not applicable

CITIZENS BANK AND TRUST COMPANY

Premises

Citizens Bank & Trust Company, Blackstone, Virginia, to increase its investment in bank premises in the amount of $752,500.

Newspaper:	Not applicable
Federal Register:	Not applicable

FIRST CAPITAL BANK

* Branch

First Capital Bank, Glen Allen, Virginia, proposes to establish a branch at 1504 Santa Rosa Road, Suite 102, Richmond, Virginia.

Newspaper:	04/25/2006
Federal Register:	Not applicable

ROCKINGHAM HERITAGE BANK

* 18C
* Branch

Rockingham Heritage Bank, Harrisonburg, Virginia, to merge with Albemarle First Bank, Charlottesville, Virginia.

Newspaper:	Not available
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: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending April 15, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond