M&F Bancorp Inc. in Durham, N.C., said its second-quarter earnings rose 21% from the same period a year earlier, to $290,000.

After years of torrid loan growth, Vineyard National Bancorp in Rancho Cucamonga, Calif., is playing catch-up on the deposit side.

Center Financial Corp. of Los Angeles is in danger of having its stock delisted, because it has not certified its second-quarter earnings statement.

Guaranty Bank of Milwaukee plans to enter the Atlanta retail banking market by opening 11 supermarket branches there.

Pacific Continental Corp. in Eugene, Ore., plans to enter Washington by buying the $143 million-asset NWB Financial Corp. of Seattle for $39 million.

Since New York Gov. George Pataki signed legislation in 1997 that gives banks incentives to build branches in low-income neighborhoods, only a handful have taken the state up on its offer.

A federal magistrate's ruling that the National Credit Union Administration lacked the grounds to stop a Plano, Tex., credit union from becoming a mutual thrift could open the door to more conversion attempts, banking and credit union officials say.

J. Alton Wingate, 66, a supermarket branch pioneer and a community banker for more than 40 years, is dead.

MIDWEST

Pacific Premier Bancorp Inc. of Costa Mesa, Calif., which nearly failed five years ago when its nationwide subprime mortgage business imploded, is expanding again - but closer to home.

The 152-year-old Beneficial Savings Bank of Philadelphia has its first acquisition deal and is scouting for more - because buying looks cheaper than building.

Two River Community Bank of Middletown, N.J., and Town Bank of Westfield plan to merge and form a new, yet-to-be name holding company.

Citizens Bancshares Corp. of Atlanta announced Tuesday that its second-quarter net income fell 23% compared with a year earlier, to $471,000.

Salem Five Cents Savings Bank is acquiring the $262 million-asset Heritage Cooperative Saving Bank in Salem, Mass.

Meta Financial Group Inc. of Storm Lake, Iowa, announced a loss of $2.3 million for the three months that ended June 30.

Sixteen months after its high-profile beginning, NewAlliance Bancshares has settled down to some of the more routine tasks of building its business.

Back in 1997, when Beal Bank sued Richard R. Eurich to collect a 10-year-old debt, it brought a computer printout to court showing that Mr. Eurich owed $205,000.

There's at least one banker out there who's asking his employees to sleep on the job.

FirstBank NW Corp. of Clarkston, Wash., announced Friday that earnings for its first fiscal quarter rose 19.3%, to $1.9 million.

Loans that qualify for credit under the Community Reinvestment Act have been scarce in Old National Bancorp's rural markets, but new federal rules scheduled to take effect next month may change that.