BANK HOLDING COMPANIES

Filed w/FRB-Atlanta

OFI Received August 5, 2004

Application by YBHC Corp., Ponchatoula, Tangipahoa Parish, LA, to become a one-bank holding company by acquiring control of 100% of the issued and outstanding stock of Your Bank (In Organization), Ponchatoula, Tangipahoa Parish, LA, pursuant to Section 3(a)(1) of the BHC Act of 1956, as amended.


BANKS/THRIFTS/CREDIT UNIONS

No Activity


BRANCHES

Effective July 30, 2004

First Bank and Trust, New Orleans, Orleans Parish, LA, closed its WAL*MART KENNER BRANCH located at 300 West Esplanade Avenue, Kenner, Jefferson Parish, LA, 70065.

Filed August 2, 2004; Approved August 31, 2004

ZACHARY OFFICE proposed by Guaranty Bank and Trust Company, New Roads, Pointe Coupee Parish, LA, to be located at 6800 Main Street, Zachary, East Baton Rouge Parish, LA, 70791.

Effective August 3, 2004

American Gateway Bank, Port Allen, West Baton Rouge Parish, LA, opened its DOWNTOWN BRANCH located at 412 North 4th Street, 1st Floor, Baton Rouge, East Baton Rouge Parish, LA, 70802.

Effective August 9, 2004

Omni Bank, Metairie, Jefferson Parish, LA, opened its LAPLACE BRANCH located at 113 Belle Terre Boulevard, LaPlace, St. John the Baptist Parish, LA, 70068.

Filed August 12, 2004

BROWN SWITCH ROAD BRANCH proposed by Central Progressive Bank, Lacombe, St. Tammany Parish, LA, to be located at 740 Brown Switch Road, Slidell, St. Tammany Parish, LA, 70458.

Approved August 16, 2004

JACKSON BRANCH proposed by Liberty Bank and Trust Company, New Orleans, Orleans Parish, LA, to be located at Jacob L. Reddix Campus Student Union, Jackson, Hinds County, MS, 39217.

Filed August 17, 2004

MONROE NORTHGATE BRANCH proposed by The Richland State Bank, Rayville, Richland Parish, LA, to be located at 1816 Forsythe Avenue, Monroe, Ouachita Parish, LA, 71201.

Filed August 20, 2004

CHALMETTE BRANCH proposed by Fidelity Homestead Association (a State-chartered mutual savings and loan association), New Orleans, Orleans Parish, LA, to be located on Lot D-1, East Judge Perez Drive, Chalmette, St. Bernard Parish, LA, 70043.

Filed August 31, 2004

MOBILE BRANCH proposed by Farmers-Merchants Bank & Trust Company, Breaux Bridge, St. Martin Parish, LA, to operate in St. Martin and Lafayette Parishes, LA.

ELECTRONIC FINANCIAL TERMINALS (EFTs)

Effective August 9, 2004

Liberty Bank and Trust Company, New Orleans, Orleans Parish, LA, activated its “PRIVATE BANKER-SUNO” machine located at 6400 Press Drive within University Center at Southern University, New Orleans, Orleans Parish, LA, 70126.

Filed/Approved August 20, 2004

“HANDY 24” machine proposed by Hancock Bank of Louisiana, Baton Rouge, East Baton Rouge Parish, LA, to be located at 403 St. Francis Street within Madisonville Town Hall, Madisonville, St. Tammany Parish, LA, 70447.

CHANGES OF LOCATION/CONSOLIDATIONS

Effective June 29, 2004

Crescent Bank & Trust, New Orleans, Orleans Parish, LA, relocated its BATON ROUGE OFFICE from 9624 Brookline Drive, Suite A to 9213 Interline Avenue (a distance of less than one mile), both locations within Baton Rouge, East Baton Rouge Parish, LA, 70809.

Filed August 11, 2004

American Gateway Bank, Port Allen, West Baton Rouge Parish, LA, proposes to interchange its MAIN OFFICE from 320 North Alexander Avenue, Port Allen, West Baton Rouge Parish, LA, 70767 with its COURSEY BRANCH located at 11307 Coursey Boulevard, Baton Rouge, East Baton Rouge Parish, LA, 70816 [a distance of 11.2 miles], and to retain the former Main Office location as a branch to be known as PORT ALLEN BRANCH.

Filed August 19, 2004; Approved August 31, 2004

First Guaranty Bank, Hammond, Tangipahoa Parish, LA, proposes to relocate its DENHAM SPRINGS BRANCH from 131 Del Norte Avenue to 2231 South Range Avenue (a distance of less than 1 mile), both locations within Denham Springs, Livingston Parish, LA, 70726.

LOAN or TRUST PRODUCTION OFFICES

Effective May 3, 2004

Omni Bank, Metairie, Jefferson Parish, LA, opened its MANDEVILLE LOAN PRODUCTION OFFICE located at 4040 Florida Street, Mandeville, St. Tammany Parish, LA, 70448.

Filed August 3, 2004; Approved August 13, 2004

MONROE LOAN PRODUCTION OFFICE proposed by The Richland State Bank, Rayville, Richland Parish, LA, to be located at 1200 North 18th Street, Suite M, Monroe, Ouachita Parish, LA, 71201.

SUBSIDIARIES

Approved/Effective August 19, 2004

The Union Bank, Marksville, Avoyelles Parish, LA established a subsidiary, UNION TITLE INSURANCE AGENCY, INC., located at 305 North Main Street, Marksville, Avoyelles Parish, LA, 71351.

Any questions should be directed to Pam Skelton at (225) 925-4661.