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 November 24, 2007

Filer

Filing Type

Filing Proposal

End of Comment Period

BANK INDEPENDENT

* Branch

Bank Independent, Sheffield, Alabama, to establish a branch located at the northeast corner of Highway 72 and Nance Road, Huntsville, Alabama.

Newspaper:	11/24/2007
Federal Register:	Not applicable

FOOTHILLS BANK & TRUST

* Branch

Foothills Bank & Trust, Maryville, Tennessee, to establish a branch located at 214 Keller Lane, Maryville, Tennessee.

Newspaper:	11/30/2007
Federal Register:	Not applicable

METROPOLITAN BANCGROUP, INC.

* 3A1

Metropolitan BancGroup, Inc., Ridgeland, Mississippi, to become a bank holding company by acquiring 100 percent of the outstanding shares of BancSouth Financial Corporation, and thereby acquire its subsidiary, Bank of the South, both of Crystal Springs, Mississippi.

Newspaper:	Not available
Federal Register:	Not available

SUNTRUST BANK

* Branch

SunTrust Bank, Atlanta, Georgia, to establish a branch located at 10331 SW Village Center Drive, Port St. Lucie, Florida, to be known as the Town of Tradition Office.

Newspaper:	12/01/2007
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 First Quarter of 2008 (January 1, 2008 - March 31, 2008)

Institution	Location
NONE

District: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending November 24, 2007

Availability of CRA Public Evaluations

CRA Examinations scheduled for First Quarter of 2008 (January 1, 2008 - March 31, 2008)

District: 6
Federal Reserve Bank of: Atlanta