UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): October 23, 2006

CIVITAS BANKGROUP, INC.

(Exact name of registrant as specified in charter)

Tennessee	000-27393	62-1297760
(State or other jurisdiction of	(Commission	(IRS Employer
incorporation)	File Number)	Identification No.)

4 Corporate Centre
810 Crescent Centre Drive, Suite 320
Franklin, Tennessee	37067
(Address of principal executive offices)	(Zip Code)

(615) 263-9500
(Registrant’s telephone number, including area code)

Not Applicable
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

     o Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

     o Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

     o Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

     o Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

TABLE OF CONTENTS

	Item 2.02. Results of Operations and Financial Condition.
	Item 7.01. Regulation FD Disclosure.
	Item 9.01. Financial Statements and Exhibits.
SIGNATURES
EXHIBIT INDEX
Ex-99.1 October 23, 2006 Earnings Press Release

Item 2.02. Results of Operations and Financial Condition.

     On October 23, 2006, Civitas BankGroup, Inc. issued a press release announcing its earnings results for the three and nine months ended September 30, 2006, the text of which is set forth in Exhibit 99.1.

Item 7.01. Regulation FD Disclosure.

     On October 23, 2006, Civitas BankGroup, Inc. issued a press release announcing its earnings results for the three and nine months ended September 30, 2006, the text of which is set forth in Exhibit 99.1.

Item 9.01. Financial Statements and Exhibits.

     (d) Exhibits:

99.1 Earnings Press Release Issued by Civitas BankGroup, Inc. dated October 23, 2006.

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SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CIVITAS BANKGROUP, INC.
By:	/s/ Lisa Musgrove
	Lisa Musgrove
	Executive Vice President, Chief Operating Officer and Chief Financial Officer

Date: October 23, 2006

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EXHIBIT INDEX

99.1 Earnings Press Release Issued by Civitas BankGroup, Inc. dated October 23, 2006.

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