BANK HOLDING COMPANIES

Filed November 3, 2003

Application by KSB Bancorp, Inc., Kaplan, Louisiana, to acquire 100% of the issued and outstanding shares of common stock of Teche Bancshares, Inc., and thereby acquire its subsidiary, Teche Bank & Trust Co., both located in St. Martinville, Louisiana, pursuant to Sections 3(a)(5) of the Bank Holding Company Act of 1956, as amended, with the title: Louisiana Community Bancshares, Inc.


BANKS/THRIFTS/CREDIT UNIONS

Effective October 30, 2003 @ 12:01 a.m.

RED RIVER INTERIM BANK, a de novo State-chartered “phantom bank”, proposed by Red River Bancshares, Inc., Alexandria, Rapides Parish, LA, for the purpose of effectuating the merger of Red River Interim Bank with and into Bank of Lecompte, Lecompte, Rapides Parish, LA, under the Charter of and with the Title:  Bank of Lecompte.

Effective October 30, 2003 @ 5:00 p.m.

Bank of Lecompte, Lecompte, Rapides Parish, Louisiana, merged with and into Red River Bank, Alexandria, Rapides Parish, Louisiana, under the Charter of and with the Title:  Red River Bank, domiciled in Alexandria, Louisiana, and established the existing offices of Bank of Lecompte as branches of Red River Bank.


BRANCHES

Effective May 31, 2003

Gulf Coast Bank and Trust Company, New Orleans, Orleans Parish, LA, closed its AIRLINE DRIVE BRANCH located at 2100 D Airline Drive, Kenner, Jefferson Parish, LA, 70065.

Filed/Approved November 3, 2003

First Bank and Trust, New Orleans, Orleans Parish, LA, proposes to close its NORTH CAUSEWAY BRANCH located at 3235 North Causeway Boulevard, Metairie, Jefferson Parish, LA, 70002.

Filed November 10, 2003

SOUTH BOSSIER OFFICE proposed by Community Bank of Louisiana, Mansfield, DeSoto Parish, LA, to be located at the intersection of Jimmie Davis Highway and Highway 71, Bossier City, Bossier Parish, LA, 71112.

Filed November 13, 2003

BROUSSARD BRANCH proposed by Community First Bank, New Iberia, Iberia Parish, LA, to be located at 801 Albertson’s Parkway, Broussard, Lafayette Parish, LA, 70518.

Filed November 13, 2003

CARROLLTON BRANCH proposed by Omni Bank, Metairie, Jefferson Parish, LA, to be located at 637 South Carrollton Avenue, New Orleans, Orleans Parish, LA, 70118.

Effective November 19, 2003

Citizens Bank & Trust Company, Covington, St. Tammany Parish, LA, opened its FOLSOM HIGHWAY BRANCH located at 73021 Highway 25, Covington, St. Tammany Parish, LA, 70435.

Filed/Approved November 24, 2003

First American Bank and Trust, Vacherie, St. James Parish, LA, proposes to close its ST. ROSE DRIVE-UP FACILITY located at 11438 River Road, St. Rose, St. Charles Parish, LA, 70087.


ELECTRONIC FINANCIAL TERMINALS (EFTs)

Effective September 15, 2003

IBERIABANK, New Iberia, Iberia Parish, LA, ceased operations of its “I-24” machine located at 2046 Woodmere Boulevard, Harvey, Jefferson Parish, LA, 70058.

Effective October 8, 2003

The Peoples Bank and Trust Company of Pointe Coupee Parish, Louisiana, New Roads, Pointe Coupee Parish, LA, activated its “PEOPLES 24” machine located at 419 East Main Street within Langlois’ Grocery Store, New Roads, Pointe Coupee Parish, LA, 70760.

Effective October 27, 2003

Hancock Bank of Louisiana, Baton Rouge, East Baton Rouge Parish, LA, ceased operations of its temporary “HANDY 24” machine at 403 St. Francis Street within Madisonville Town Hall, Madisonville, St. Tammany Parish, LA, 70447.

Effective October 30, 2003

Liberty Bank and Trust Company, New Orleans, Orleans Parish, LA, activated its “PRIVATE BANKER-UNO” #1, #2, and #3 machines located at 2000 Lakeshore Drive, Student Center at the University of New Orleans, New Orleans, Orleans Parish, LA, 70148.

Filed/Approved November 3, 2003

Concordia Bank and Trust Company, Vidalia, Concordia Parish, LA, proposes to relocate its “PULSE” machine from 1700 N. EE Wallace Boulevard within Riverland Medical Center, Ferriday [71334] to 100 Front Street within Comfort Suites Riverfront, Vidalia [71373], both within Concordia Parish, LA.

Withdrawn November 3, 2003

“SERRANOS SALSA CO. ATM” machine proposed by American Gateway Bank, Port Allen, West Baton Rouge Parish, LA, to be located at 3347 Highland Road, Baton Rouge, East Baton Rouge Parish, LA, 70802.

Effective November 10, 2003

Farmers-Merchants Bank & Trust Company, Breaux Bridge, St. Martin Parish, LA, activated its “CAJUN CASH” #2 machine located at 2924 Grand Point Highway within Bayou Belle Truck Stop Casino, Breaux Bridge, St. Martin Parish, LA, 70517.  [Originally filed with the address of 2904 Grand Point Highway.]

Filed/Approved November 13, 2003

“OAKWOOD CORPORATE CENTER ATM” machine proposed by Gulf Coast Bank and Trust Company, New Orleans, Orleans Parish, LA, to be located at 401 Whitney Avenue, 1st Floor Lobby, Gretna, Jefferson Parish, LA, 70053.

Filed/Approved November 17, 2003

Bank of Commerce & Trust Company, Crowley, Acadia Parish, LA, proposes to relocate its “Commerce Express 24” machine from 3001 Daulat Drive within Super 8 Motel, Duson, to 530 North Eastern Avenue, Crowley, both within Acadia Parish, LA.

Filed/Approved November 21, 2003

Central Progressive Bank, Lacombe, St. Tammany Parish, LA, proposes to relocate its “CPB-24 FAST CASH” machine from 100 Marina Del Ray within Marina Del Ray to 304 Highway 22 West within The Garden Spot, both locations within Madisonville, St. Tammany Parish, LA.

Approved November 17, 2003; Effective November 18, 2003

IBERIABANK, New Iberia, Iberia Parish, LA, activated its temporary “RDS TRADE SHOW ATM” machine at 900 Convention Center Boulevard within the Ernest N. Morial Convention Center, New Orleans, Orleans Parish, LA.

Filed/Approved November 18, 2003

“PORT QUICK STOP ATM” machine proposed by Community First Bank, New Iberia, Iberia Parish, LA, to be located at 4307 South Lewis Street, New Iberia, Iberia Parish, LA, 70560.


CHANGES OF LOCATION/CONSOLIDATIONS

Effective October 24, 2003

Hancock Bank of Louisiana, Baton Rouge, East Baton Rouge Parish, LA, consolidated its SECOND STREET BRANCH located at 200 North Second Street with its WESTGATE BRANCH located at 2250 West Laurel Street (a distance of less than one mile west) both locations within Eunice, St. Landry Parish, LA.

Approved November 4, 2003

American Gateway Bank, Port Allen, West Baton Rouge Parish, proposes to relocate its OLD HAMMOND WINN-DIXIE #1467 BRANCH from 13555 Old Hammond Highway within Winn-Dixie Supermarket #1467 to 13787 Old Hammond Highway, Suite A (a distance of 0.1 miles), both locations within Baton Rouge, East Baton Rouge Parish, LA, 70816, to be known as OLD HAMMOND BRANCH.

Effective November 17, 2003

First Bank and Trust, New Orleans, Orleans Parish, LA, relocated its ALGIERS BRANCH from 4100 General DeGaulle Drive, Suite B-7 to 4550 General DeGaulle Drive (a distance less than a mile), both locations within New Orleans, Orleans Parish, LA, 70131.


LOAN or TRUST PRODUCTION OFFICES

Filed November 7, 2003; Approved November 24, 2003

ALGIERS BANK & TRUST LOAN PRODUCTION OFFICE proposed by Algiers Bank & Trust (a State-chartered stock savings and loan association), New Orleans, Orleans Parish, LA, to be located at 832 East Boston Street, Covington, St. Tammany Parish, LA, 70433.

Approved November 14, 2003

THE EVANGELINE BANK & TRUST COMPANY LOAN PRODUCTION OFFICE proposed by The Evangeline Bank & Trust Company, Ville Platte, Evangeline Parish, LA, to be located at 127 South First Street, Iota, Acadia Parish, LA, 70543.


SUBSIDIARIES

Approved November 4, 2003

CRESCENT RECOVERY, LLC, a proposed subsidiary to be established by Crescent Bank & Trust, New Orleans, Orleans Parish, LA, to be located at 1100 Poydras Street, Suite 100, New Orleans, Orleans Parish, LA, 70163.

Approved/Effective November 4, 2003

The Business Bank, Baton Rouge, East Baton Rouge Parish, LA, established a subsidiary, THE BUSINESS BANK FINANCIAL BENEFITS & PLANNING, LLC, located at 6100 Corporate Boulevard, Baton Rouge, East Baton Rouge Parish, LA, 70808.

Approved/Effective November 21, 2003

Hancock Bank of Louisiana, Baton Rouge, East Baton Rouge Parish, LA, established a subsidiary, HBLA PROPERTIES, LLC, located at 2600 Citiplace Drive, Suite 200, Baton Rouge, East Baton Rouge Parish, LA, 70808.


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