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 November 8, 2004.

A. Federal Reserve Bank of Boston (Richard Walker, Community Affairs Officer) 600 Atlantic Avenue, Boston, Massachusetts 02106-2204:

1. OceanPoint Financial Partners, MHC, and OceanPoint Financial Partners, LLC, both of Newport, Rhode Island; to become bank holding companies by acquiring 100 percent of Bank Newport, Newport, Rhode Island.

B. Federal Reserve Bank of Cleveland (Cindy C. West, Banking Supervisor) 1455 East Sixth Street, Cleveland, Ohio 44101-2566:

1. Croghan Bancshares, Inc., Fremont, Ohio; to acquire 100 percent of the voting shares of The Croghan Interim Bank, Fremont, Ohio, and The Custar State Bank, Custar, Ohio.

C. Federal Reserve Bank of Atlanta (Sue Costello, Vice President) 1000 Peachtree Street, N.E., Atlanta, Georgia 30303:

1. Heritage Financial, Inc., and Heritage Mutual Corporation, both of Albany, Georgia; to become bank holding companies by acquiring 100 percent of the voting shares of HeritageBank of the South, Albany, Georgia.

D. Federal Reserve Bank of Kansas City (Donna J. Ward, Assistant Vice President) 925 Grand Avenue, Kansas City, Missouri 64198-0001:

1. Signature Bank Corporation, Windsor, Colorado; to become a bank holding company by acquiring 100 percent of the voting shares of Signature Bank, Windsor, Colorado, in organization.

E. Federal Reserve Bank of San Francisco (Tracy Basinger, Director, Regional and Community Bank Group) 101 Market Street, San Francisco, California 94105-1579:

1. Wells Fargo & Company, San Francisco, California; to acquire 100 percent of the voting shares of First Community Capital Corporation, Houston, Texas, and thereby indirectly acquire voting shares of First Community Capital Corporation of Delaware, Inc., Wilmington, Delaware, First Community Bank, N.A., Houston, Texas, and First Community Bank San Antonio, N.A., San Antonio, Texas.