BANK HOLDING COMPANIES

Filed w/FRB-Atlanta

OFI Received March 3, 2005

Application by Firstrust Corporation, New Orleans, LA, pursuant to Section (4)(c)(8) of the BHC Act of 1956, as amended, to acquire control of 100% of the issued and outstanding shares of common stock and preferred stock of Central Bank for Savings, Winona, MS, a Mississippi state-chartered bank, with the Title:  First Bank and Trust of Mississippi.

Closed File March 7, 2005

Application by Firstrust Corporation, New Orleans, LA, to acquire control of 100% of the issued and outstanding shares of common stock and preferred stock of Central Bank for Savings, Winona, MS, a Mississippi state-chartered savings association, pursuant to Section (4)(c)(8) of the BHC Act of 1956, as amended, and immediately thereafter, convert Central Bank for Savings to a Mississippi state-chartered bank, under the Charter of and with the Title:  First Bank and Trust of Mississippi.


BANKS/THRIFTS/CREDIT UNIONS

Effective February 22, 2005; Approved February 10, 2005

Ruston Building & Loan Association, Ruston, Lincoln Parish, LA, proposes to convert from a State-chartered mutual savings and loan association to a Federally-chartered mutual savings bank under the Title:  Bank of Ruston, domiciled in Ruston, Lincoln Parish, LA.

Effective March 8, 2005

Fifth District Savings & Loan Association, New Orleans, Orleans Parish, LA, converted from a State-chartered mutual savings and loan association to a Federally-chartered mutual savings association under the Title:  Fifth District Savings Bank, domiciled in New Orleans, Orleans Parish, LA.


BRANCHES

Effective October 8, 2004

City Savings Bank & Trust Company, DeRidder, Beauregard Parish, LA, opened its SULPHUR BRANCH located at 1520 Maplewood Drive, Sulphur, Calcasieu Parish, LA, 70634.

Effective February 25, 2005

IBERIABANK, Lafayette, Lafayette Parish, LA, closed its BARATARIA BRANCH located at 2330 Barataria Boulevard, Marrero, Jefferson Parish, LA, 70072.

Effective February 28, 2005
Hancock Bank of Louisiana, Baton Rouge, East Baton Rouge Parish, LA, opened its ZACHARY BRANCH located at 5440 Main Street, Zachary, East Baton Rouge Parish, LA, 70791.

Effective February 28, 2005

First Community Bank, Hammond, Tangipahoa Parish, LA, opened its MANDEVILLE OFFICE located at 4892 Louisiana Highway 22, Mandeville, St. Tammany Parish, LA, 70471.

Effective March 7, 2005

Jeff Davis Bank & Trust Company, Jennings, Jefferson Davis Parish, LA, opened its CARLYSS BRANCH located at 4507 South Highway 27, Sulphur, Calcasieu Parish, LA, 70665.

Approved March 14, 2005

TRUCK #4 and TRUCK #5 proposed by First Bank and Trust, New Orleans, Orleans Parish, LA, to operate within the eastbank and westbank of Jefferson, Orleans, and St. Bernard Parishes, LA.

Filed March 14, 2005

COLUMBIA HEIGHTS BANKING OFFICE proposed by Caldwell Bank & Trust Company, Columbia, Caldwell Parish, LA, to be located at 8157 Highway 165, Columbia, Caldwell Parish, LA, 71418.

Filed March 22, 2005

JEFFERSON STREET BRANCH proposed by Tri-Parish, Eunice, St. Landry Parish, LA, to be located at 600 Jefferson Street, Suite 600, Lafayette, Lafayette Parish, LA, 70501.

Filed March 23, 2005

LAKEVIEW BRANCH proposed by Gulf Coast Bank and Trust Company, New Orleans, Orleans Parish, LA, to be located at 848 Harrison Avenue, New Orleans, Orleans Parish, LA, 70124.


ELECTRONIC FINANCIAL TERMINALS (EFTs)

Effective May 21, 2004

Progressive Bank, Winnsboro, Franklin Parish, LA, activated the following “PB 24” machines:

    1333 Highway 2 within Sterlington U-Pak-It, Sterlington, Ouachita Parish, LA, 71280, and

    258 Highway 139 within Dave’s U-Pak-It, Monroe, Ouachita Parish, LA, 71203.

Effective November 10, 2004

Progressive Bank, Winnsboro, Franklin Parish, LA, activated its “PB 24” machine located at 1001 Broadway Street within Delhi U-Pak-It, Delhi, Richland Parish, LA, 71232.

Effective December 14, 2004

Central Progressive Bank, Lacombe, St. Tammany Parish, LA, activated its “CPB-24 FAST CASH” machine located at 205 Cousin Street within Time Out Lounge, Slidell, St. Tammany Parish, LA, 70458.

Effective December 22, 2004
Central Progressive Bank, Lacombe, St. Tammany Parish, LA, activated its “MOBILE ATM #5, #6, #7, and #8” machines to be operated within Jefferson, Orleans, St. Tammany, Tangipahoa, Washington, Livingston, East Baton Rouge, and West Baton Rouge Parishes, LA.

Effective December 28, 2004

Central Progressive Bank, Lacombe, St. Tammany Parish, LA, activated its “CPB-24 FAST CASH” machine located at 3154 Pontchartrain Drive within Southside Café, Slidell, St. Tammany Parish, LA, 70458.

Effective December 29, 2004

Central Progressive Bank, Lacombe, St. Tammany Parish, LA, activated its “CPB-24 FAST CASH” machine located at 67776 Highway 41 within Hickory Grocery, Pearl River, St. Tammany Parish, LA, 70452.

Effective January 3, 2005

Cameron State Bank, Lake Charles, Calcasieu Parish, LA, activated its “REDICASH” machine located at 4500 Lake Street, Lake Charles, Calcasieu Parish, LA, 70605.

Effective February 9, 2005

Sabine State Bank and Trust Company, Many, Sabine Parish, LA, activated its “KASEY’S KWIK STOP ATM” machine located at 5423 Highway 6, Natchitoches, Natchitoches Parish, LA, 71457.

Effective February 11, 2005

Cameron State Bank, Lake Charles, Calcasieu Parish, LA, closed its “REDICASH” machine located at 603 East 4th Street, DeQuincy, Calcasieu Parish, LA, 70633.

Effective February 17, 2005

Hancock Bank of Louisiana, Baton Rouge, East Baton Rouge Parish, LA, activated its “HANDY 24” machine located at 20180 Iowa Street within the Livingston Parish Courthouse, Livingston, Livingston Parish, LA, 70754.

Filed/Approved March 3, 2005

IBERIABANK, Lafayette, Lafayette Parish, LA, proposes to close it “I-24” machine, located at 3002 Abbeville Highway within M & M #5 Convenience Store, New Iberia, Iberia Parish, LA, 70560.

Filed/Approved March 10, 2005

“HANDY 24” machine proposed by Hancock Bank of Louisiana, Baton Rouge, East Baton Rouge Parish, LA, to be located at 70325 Highway 21 within the Conoco Station, Covington, St. Tammany Parish, LA, 70433.

Effective March 14, 2005; Filed/Approved March 3, 2005

Sabine State Bank and Trust Company, Many, Sabine Parish, LA, activated its “BAYOU EXPRESS ATM” machine located at 526 Front Street within the Bayou Express convenience store, Cottonport, Avoyelles Parish, LA, 71327.

Withdrawn March 15, 2005

“CPB-24 FAST CASH” machine proposed by Central Progressive Bank, Lacombe, St. Tammany Parish, LA, to be located at 1200 Business Highway 190 within Rouse’s Supermarket, Covington, St. Tammany Parish, LA, 70433.

Withdrawn March 24, 2005

“PB 24” machine proposed by Progressive Bank, Winnsboro, Franklin Parish, LA, to be located at 1300 Highway 80 East within Pine Hills Deli & Market, Calhoun, Ouachita Parish, LA, 71225.


CHANGES OF LOCATION/CONSOLIDATIONS

Effective October 18, 2004

Progressive Bank, Winnsboro, Franklin Parish, LA, relocated its 19TH STREET BRANCH from 1401 North 19th Street and the MONROE BRANCH from 1101 Hudson Lane, Suite D to 1411 North 19th Street (both a distance of approximately 1 mile or less), all locations within Monroe, Ouachita Parish, Louisiana, 71201, to be known as CORPORATE OFFICE AND 19TH STREET FINANCIAL CENTER.

Effective December 20, 2004

Progressive Bank, Winnsboro, Franklin Parish, LA, relocated its ALBERTSON’S FINANCIAL CENTER from 2801 Sterlington Road within Albertson’s Store to 2899 Sterlington Road within Forsythe U-Pak-It Building (a distance of approximately 0.8 miles), both locations within Monroe, Ouachita Parish, LA, 71203, to be known as HIGHWAY 165 NORTH FINANCIAL CENTER.

Effective February 28, 2005

Cross Keys Bank, St. Joseph, Tensas Parish, LA, relocated its STERLINGTON BRANCH from 503 Louisiana Highway 2, Sterlington [71280] to 167 Keystone Road, Monroe [71203] (a distance of approximately 4 miles), both locations within Ouachita Parish, LA.

Approved March 7, 2005

Sabine State Bank and Trust Company, Many, Sabine Parish, LA, proposes to relocate its FORT POLK MAIN BRANCH from the Corner of Georgia and Alabama Avenues, Building #3811 to the Corner of Montana and Colorado Avenues, both locations within Fort Polk, Vernon Parish, LA, 71459.


LOAN or TRUST PRODUCTION OFFICES

Effective December 15, 2004

The Peoples State Bank, Many, Sabine Parish, LA, closed its PEOPLES STATE BANK LOAN PRODUCTION OFFICE BOSSIER CITY located at 2353 Airline Drive, Bossier City, Bossier Parish, LA, 71111.

Effective February 15, 2005

Washington State Bank, Washington, St. Landry Parish, LA, opened its WASHINGTON STATE BANK LOAN PRODUCTION OFFICE located at 2501 Metairie Lawn Drive, Metairie, Jefferson Parish, LA, 70002.

Effective February 21, 2005

Crescent Bank & Trust, New Orleans, Orleans Parish, LA, opened its CRESCENT BANK & TRUST MEMPHIS LOAN PRODUCTION OFFICE located at 1850 Poplar Crest Cove, Suite 202, Memphis, Shelby County, TN, 38119.

Filed/Approved March 22, 2005

Tri-Parish Bank, Eunice, St. Landry Parish, LA, proposes to close its TRI-PARISH BANK LAFAYETTE LOAN PRODUCTION OFFICE located at 600 Jefferson Street, Suite 600, Lafayette, Lafayette Parish, LA, 70501.

Filed March 24, 2005

CRESCENT BANK & TRUST JACKSONVILLE LOAN PRODUCTION OFFICE proposed by Crescent Bank & Trust, New Orleans, Orleans Parish, LA, to be located at 9485 Regency Square Boulevard, Suite 209, Jacksonville, Duval County, FL, 32225.


SUBSIDIARIES

Approved/Effective March 9, 2005

Ouachita Independent Bank, Monroe, Ouachita Parish, LA, established a subsidiary, BANKERS MORTGAGE CENTER, INC., located at 909 North 18th Street, Monroe, Ouachita Parish, LA, 71201.

Approved/Effective March 28, 2005

LIBERTY COMMUNITY VENTURES III, LLC, a proposed subsidiary to be established by Liberty Bank and Trust Company, New Orleans, Orleans Parish, LA, to be located at 6600 Plaza Drive, Suite 310, New Orleans, Orleans Parish, LA, 70127.

Approved/Effective March 28, 2005

LIBERTY COMMUNITY VENTURES II, LLC, a proposed subsidiary to be established by Liberty Bank and Trust Company, New Orleans, Orleans Parish, LA, to be located at 6600 Plaza Drive, Suite 310, New Orleans, Orleans Parish, LA, 70127.

Approved/Effective March 28, 2005

LIBERTY COMMUNITY VENTURES I, LLC, a proposed subsidiary to be established by Liberty Bank and Trust Company, New Orleans, Orleans Parish, LA, to be located at 6600 Plaza Drive, Suite 310, New Orleans, Orleans Parish, LA, 70127.

Approved/Effective March 28, 2005

LIBERTY VENTURES, INC., a proposed subsidiary to be established by Liberty Bank and Trust Company, New Orleans, Orleans Parish, LA, to be located at 6600 Plaza Drive, Suite 310, New Orleans, Orleans Parish, LA, 70127.


TRUST POWERS

Filed/Conditional Approval March 30, 2005

Guaranty Bank and Trust Company, New Roads, Pointe Coupee Parish, LA, has filed a notice of intent requesting permission to increase Trust Powers.


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