[Federal Register Volume 70, Number 126 (Friday, July 1, 2005)]
[Notices]
[Page 38142]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 05-12996]


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FEDERAL RESERVE SYSTEM


Formations of, Acquisitions by, and Mergers of Bank Holding 
Companies

    The companies listed in this notice have applied to the Board for 
approval, pursuant to the Bank Holding Company Act of 1956 (12 U.S.C. 
1841 et seq.) (BHC Act), Regulation Y (12 CFR Part 225), and all other 
applicable statutes and regulations to become a bank holding company 
and/or to acquire the assets or the ownership of, control of, or the 
power to vote shares of a bank or bank holding company and all of the 
banks and nonbanking companies owned by the bank holding company, 
including the companies listed below.
    The applications listed below, as well as other related filings 
required by the Board, are available for immediate inspection at the 
Federal Reserve Bank indicated. The application also will be available 
for inspection at the offices of the Board of Governors. Interested 
persons may express their views in writing on the standards enumerated 
in the BHC Act (12 U.S.C. 1842(c)). If the proposal also involves the 
acquisition of a nonbanking company, the review also includes whether 
the acquisition of the nonbanking company complies with the standards 
in section 4 of the BHC Act (12 U.S.C. 1843). Unless otherwise noted, 
nonbanking activities will be conducted throughout the United States. 
Additional information on all bank holding companies may be obtained 
from the National Information Center website at www.ffiec.gov/nic/.
    Unless otherwise noted, comments regarding each of these 
applications must be received at the Reserve Bank indicated or the 
offices of the Board of Governors not later than July 25, 2005.
    A. Federal Reserve Bank of Atlanta (Andre Anderson, Vice President) 
1000 Peachtree Street, N.E., Atlanta, Georgia 30303:
    1. CNL Bancshares, Inc., Orlando, Florida; to acquire 100 percent 
of the outstanding shares of CNLBank, First Coast, Jacksonville, 
Florida (in organization).
    2. Heritage First Bancshares, Inc., Rome, Georgia; to become a bank 
holding company by acquiring 100 percent of the outstanding shares of 
DeKalb Bank, Crossville, Alabama.
    In connection with this application, Applicant has also filed a 
notice to retain 100 percent of the outstanding shares of Heritage 
First Bank, Rome, Georgia, and thereby engage in operating a federal 
savings association, pursuant to section 225.28(b)(4)(ii) of Regulation 
Y.
    3. Heritage FirstBancshares, Inc., Rome, Georgia; to retain its 
wholly-owned subsidiary, Heritage First Bank, a federal savings 
association, Rome, Georgia, and thereby engage in operating a savings 
association, pursuant to section 225.28(b)(4)(ii) of Regulation Y.
    B. Federal Reserve Bank of Chicago (Patrick M. Wilder, Assistant 
Vice President) 230 South LaSalle Street, Chicago, Illinois 60690-1414:
    1. FirstBank Corporation, Alma, Michigan; to acquire 100 percent of 
the voting shares of Keystone Financial Corporation, Kalamazoo, 
Michigan, and thereby indirectly acquire Keystone Community Bank, 
Kalamazoo, Michigan.

    Board of Governors of the Federal Reserve System, June 24, 2005.
Robert deV. Frierson,
Deputy Secretary of the Board.
[FR Doc. 05-12996 Filed 6-30-05; 8:45 am]
BILLING CODE 6210-01-S