Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 5 

Week Ending January 30, 2010

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony and Statements

Commercial Real Estate -- statement by Jon D. Greenlee, associate director, Division 

of Banking Supervision and Regulation, before a field hearing of the Congressional 

Oversight Panel in Atlanta, Georgia, on the commercial real estate sector and other 

issues related to the condition of the banking system.

- Published, January 27, 2010

Enforcement

Cornerstone Bancshares, Inc., Overland Park, Kansas, and Cornerstone Bank -- 

written agreement with the Federal Reserve Bank of Kansas City and the Kansas 

Office of the State Bank Commissioner.

- Announced, January 25, 2010

Guaranty Bancorp, Denver, Colorado, and Guaranty Bank and Trust Company -- 

written agreement with the Federal Reserve Bank of Kansas City and the State of 

Colorado Division of Banking.

- Announced, January 28, 2010

Northfield Bancshares, Inc., Northfield, Minnesota, and Community Resource Bank 

-- written agreement with the Federal Reserve Bank of Minneapolis.

- Announced, January 26, 2010

Riverside Banking Company, Fort Pierce, Florida -- written agreement with the 

Federal Reserve Bank of Atlanta.

- Announced, January 26, 2010

Saehan Bancorp, Los Angeles, California -- written agreement with the Federal 

Reserve Bank of San Francisco.

- Announced, January 28, 2010

H.2 Board Actions January 24, 2010 to January 30, 2010

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

January 24, 2010 to January 30, 2010

Bank Branches, Domestic

The Bank of Fayette County, Moscow, Tennessee -- to establish a branch at 

200 Chickasaw Ridge Drive, Oakland.

St. Louis

- Approved, January 27, 2010

Bank Holding Companies

BCP Holdings (USA), Inc., Newark, New Jersey -- to engage in certain nonbanking 

activities through a newly formed subsidiary of BCP Holdings.

New York

- Approved, January 29, 2010

Community & Southern Holdings, Inc., Atlanta, Georgia -- to become a bank holding 

company and to acquire Community & Southern Bank (in organization), Atlanta.

Atlanta

- Approved, January 29, 2010

Deutsche Bank AG, Frankfurt, Germany, and Taunus Corporation, New York, New 

York -- to engage in energy tolling and energy management services in the United 

States as activities that are complementary to a financial activity.

Director, BS&R

- Approved, January 29, 2010

Drayton Bancor, Inc., Drayton, North Dakota -- to merge with Walsh County 

Bancorporation, Inc., Drayton.

Minneapolis

- Approved, January 28, 2010

(A/C) = Addition or Correction Delegated - 1 of 3
Bank Holding Companies

EB Financial Group, Inc., Hinsdale, Illinois -- to become a bank holding company 

and to acquire Baytree National Bank & Trust Company, Lake Forest.

Chicago

- Approved, January 26, 2010

Bank Mergers

Centennial Bank, Conway, Arkansas -- to purchase the assets and assume the deposit 

liabilities of Florida Community Bank, Immokalee, Florida, and thereby establish 

branches.

St. Louis

- Withdrawn, January 28, 2010

Change in Bank Control

Elkcorp, Inc., Clyde, Kansas -- change in bank control of Elkcorp and its subsidiary 

bank, The Elk State Bank, Clyde.

Kansas City

- Permitted, January 28, 2010

Henderson State Company, Henderson, Nebraska -- change in bank control of 

Henderson and its subsidiary bank, Henderson State Bank, Henderson.

Kansas City

- Permitted, January 25, 2010

Sunset Bancorp, Inc., Sunset, Louisiana -- to retain control of Sunset and its 

subsidiary bank, Bank of Sunset & Trust Company, Sunset.

Atlanta

- Permitted, January 29, 2010

H.2 Actions under delegated authority January 24, 2010 to January 30, 2010

(A/C) = Addition or Correction Delegated - 2 of 3
Extensions of Time

Prairieland Bancorp Employee Stock Ownership Plan and Trust, Bushnell, Illinois -- 

extension to April 28, 2010, to increase its ownership of Prairieland Bancorp, Inc., 

Bushnell, and thereby increase its ownership of Merchants and Farmers State Bank 

of Bushnell.

Chicago

- Granted, January 25, 2010

H.2 Actions under delegated authority January 24, 2010 to January 30, 2010

(A/C) = Addition or Correction Delegated - 3 of 3
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending January 30, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 117672 ABINGTON BK, ABINGTON, MASSACHUSETTS 08/24/2009 01/19/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Filings received during the week ending January 30, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/18/2010

02/26/2010

Treetops Acquisition Group LP, Treetops 

Acquisition Group II LP, Treetops Acquisition 

Group Ltd., Treetops Acquisition Group II Ltd., 

CAM Discount Ltd. and the Edgar M. Bronfman 

IDB Trusts A, B, C, D, E, F, G, all of New York, 

New York, to acquire up to 28.5 percent of the 

outstanding shares of Israel Discount Bank, 

Ltd., Tel Aviv, Israel and thereby indirectly 

acquire Discount Bancorp Inc., New York, New 

York and Israel Discount Bank of New York, 

New York, New York.

CAM-DISCOUNT LTD.

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8

* 3A3

02/19/2010

First Niagara Financial Group, Inc., Buffalo, New 

York ("FNFG"), to become a bank holding 

company by acquiring Harleysville National 

Corporation and Harleysville National Bank and 

Trust Company, both of Harleysville, 

Pennsylvania. FNFG to retain First Niagara 

Bank, Buffalo, New York ("FNB"), and thereby 

operate a savings association. FNFG to retain 

FNB upon conversion of FNB to a national 

bank, pursuant to Section 3(a)(3) of the BHC 

Act.

FIRST NIAGARA FINANCIAL 

GROUP, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 3

Federal Reserve Bank of Philadelphia

Filings received during the week ending January 30, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Drexel Morgan & Co. Holdings, Radnor, PA, to 

form a bank holding company as part of the 

reorganization of The Haverford Trust 

Company, Radnor, PA.

Drexel Morgan & Co. Holdings

* Subject to the provisions of the Community Reinvestment Act
District: 3

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 331713 NEW TRIPOLI BK, NEW TRIPOLI, PENNSYLVANIA 07/27/2009 01/26/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 4

Federal Reserve Bank of Cleveland

Filings received during the week ending January 30, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 4

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Filings received during the week ending January 30, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 6

Federal Reserve Bank of Atlanta

Filings received during the week ending January 30, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/13/2010

Prior change in control notice filed by Kirk 

Doskocil to acquire 50.1 percent of the 

outstanding shares of Bonifay Holding 

Company, Inc., and its subsidiary, Bank of 

Bonifay, both of Bonifay, Florida. Total pro 

forma ownership will equal 50.1 percent.

BONIFAY HOLDING COMPANY, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Commerce Union Bank, Springfield, Tennessee, 02/10/2010

to establish a branch located at 425 East Main 

Street, Gallatin, Tennessee.

COMMERCE UNION BANK

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 01/29/2010

Florida Shores Shamrock, Inc., Naples, Florida, 

to become a bank holding company by 

acquiring at least 60 percent of the outstanding 

shares of Shamrock Bank of Florida, Naples, 

Florida, to be known as Florida Shores 

Bank-Gulf Coast; and Florida Shores Bancorp, 

Inc., along with Smith Associates Bank Fund 

Management LLC, and Smith Associates Florida 

Banking Fund LLC, all of Pompano Beach, 

Florida, to collectively acquire at least 60 

percent of the outstanding shares of Florida 

Shores Shamrock, Inc., Naples, Florida, and its 

subsidiary, Shamrock Bank of Florida, Naples, 

Florida, to be known as Florida Shores 

Bank-Gulf Coast.

FLORIDA SHORES BANCORP, 

INC.

Newspaper:

Federal Register:

* 4c8 Not available

01/27/2010

Florida Shores Bancorp, Inc., Smith Associates 

Bank Fund Management LLC, and Smith 

Associates Florida Banking Fund LLC, all of 

Pompano Beach, Florida, to collectively acquire 

at least 60 percent of the outstanding shares of 

Coastal Bancorporation, Inc. and its subsidiary, 

Coastal Bank, both of Merritt Island, Florida, 

and thereby engage in operating a savings 

association, pursuant to section 4(c)(8) of the 

Bank Holding Company Act and section 

225.28(b)(4)(ii) of Regulation Y.

FLORIDA SHORES BANCORP, 

INC.

Newspaper:

Federal Register:

CIC Not available

02/16/2010

Prior change in control notice filed by Viradesh 

Kumar Nanda and Sameer Kumar Nanda, to 

acquire 17.51 percent of the outstanding shares 

of Hometown Community Bancshares, Inc., and 

its subsidiary, Hometown Community Bank, 

both of Braselton, Georgia. Total pro forma 

ownership will equal 17.51 percent.

HOMETOWN COMMUNITY 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

02/09/2010

Prior change in control notice filed by Marty E. 

Adams, Salineville, Ohio; Kevin T. Thompson, 

Saint Augustine, Florida; and John S. Loeber, 

Travelers Rest, South Carolina; to acquire 

control of Palm Bancorp, Inc., and its subsidiary 

bank, Palm Bank, both of Tampa, Florida.

PALM BANCORP, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 6

Federal Reserve Bank of Atlanta

Filings received during the week ending January 30, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

02/12/2010

State Bank Financial Corporation, Atlanta, 

Georgia, to become a bank holding company by 

acquiring 100 percent of the outstanding shares 

of State Bank and Trust Company, Macon 

(Pinehurst), Georgia.

STATE BANK FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC 02/15/2010

01/27/2010

After-the-fact change in control notice filed by 

Brian Clayton McRae, of Shreveport, Louisiana, 

to retain 16.32 percent of the outstanding shares 

of Vernon Bancshares, and its subsidiary bank, 

Vernon Bank, both of Leesville, Louisiana.

VERNON BANCSHARES, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 6

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 7

Federal Reserve Bank of Chicago

Filings received during the week ending January 30, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Chemical Bank, Midland, Michigan, to establish 01/25/2010

a branch facility to be located at 390 E. Chicago 

Street, Coldwater, Michigan.

CHEMICAL BANK

Newspaper:

Federal Register:

CIC Not available

01/27/2010

Notice by John E. Helgerson, Ottumwa, Iowa, to 

acquire additional shares of Hedrick Bancorp, 

Inc., Hedrick, Iowa, and thereby indirectly 

Hedrick Savings Bank, Ottumwa, Iowa.

HEDRICK BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

02/10/2010

Notice by Vernon R. Pfaff, Fairbury, Indiana, to 

acquire over 10 percent of the outstanding 

shares of United Commerce Bancorp, 

Bloomington, Indiana, and thereby indirectly 

acquire control of United Commerce Bank, 

Bloomington, Indiana.

UNITED COMMERCE BANCORP

* Subject to the provisions of the Community Reinvestment Act
District: 7

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 932745 FIRST CMNTY BK, HARBOR SPRINGS, MICHIGAN 09/28/2009 01/21/2010 S Small Bank

 715144 GRUNDY BK, MORRIS, ILLINOIS 07/27/2009 01/04/2010 S Small Bank

 874845 LAKE CITY BK, WARSAW, INDIANA 07/13/2009 01/08/2010 S Large Bank

 115146 SAINT ANSGAR ST BK, SAINT ANSGAR, IOWA 09/21/2009 12/21/2009 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 8

Federal Reserve Bank of St. Louis

Filings received during the week ending January 30, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 8

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 966348 SIMMONS FIRST BK OF SEARCY, SEARCY, ARKANSAS 09/28/2009 01/18/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Filings received during the week ending January 30, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

02/12/2010

Lake Central Financial, Inc., Annandale, 

Minnesota, to become a bank holding company 

by acquiring 100 percent of Annandale State 

Bank, Annandale, Minnesota.

LAKE CENTRAL FINANCIAL, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by Charles H. Burke 

III, Pierre, South Dakota, as an individual, to 

acquire 72 percent or more of the shares of 

South Dakota Bancshares Inc., Pierre, South 

Dakota, and thereby indirectly gain control of 

BankWest Inc., Pierre, South Dakota.

SOUTH DAKOTA 

BANCSHARES, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Filings received during the week ending January 30, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

02/05/2010

First National Management Group, LLC, 

Greenwood Village, Colorado, to become a bank 

holding company through the acquisition of at 

least 93 percent of the voting shares of Amoret 

Bancshares, Inc., parent of BC National Banks, 

both in Butler, Missouri.

FIRST NATIONAL 

MANAGEMENT GROUP, LLC

Newspaper:

Federal Register:

CIC Not available

02/09/2010

Notification by Verlyn Joseph Herman, Jr., and 

Aaron Joseph Herman, both of Norton, Kansas, 

as members of a family group acting in concert, 

to retain control of First Norton Corporation, 

parent of First Security Bank & Trust Company, 

both of Norton, Kansas.

FIRST NORTON CORPORATION

Newspaper:

Federal Register:

CIC

Not available

Notice submitted by the Galen L. Curry Marital 02/18/2010

Trust, Donna M. Curry, Piqua, Kansas, trustee, 

to retain control of My Anns Corporation, and 

thereby indirectly retain control of Piqua State 

Bank, both in Piqua, Kansas.

MY ANNS CORPORATION

Newspaper:

Federal Register:

* 3A1 02/20/2010

02/25/2010

Sandhills Financial Services, LLC, Fremont, 

Nebraska, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Bassett Investment Company, 

parent of Commercial Bank, both in Bassett, 

Nebraska.

SANDHILLS FINANCIAL 

SERVICES, LLC

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 898458 BANK OF JACKSON HOLE, JACKSON, WYOMING 09/28/2009 01/06/2010 S Int Sm Bank

 172457 CITIZENS BK OF EDMOND, EDMOND, OKLAHOMA 09/14/2009 01/08/2010 S Int Sm Bank

 785259 COMMUNITY BKS OF CO, GREENWOOD VILLAGE, COLORADO 10/19/2009 01/27/2009 S Large Bank

 1012055 PEOPLES EXCH BK, BELLEVILLE, KANSAS 10/19/2009 01/08/2010 S Small Bank

 10858 PLATTE VALLEY ST B&TC, KEARNEY, NEBRASKA 09/28/2009 01/06/2010 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Filings received during the week ending January 30, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 02/25/2010

02/22/2010

Austin Bancshares, Inc., Austin, Texas, to 

become a bank holding company by acquiring 

100 percent of La Grange Bancshares, Inc., La 

Grange, Texas, and indirectly acquire Colorado 

Valley Bank, SSB, La Grange, Texas.

AUSTIN BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 02/10/2010

02/11/2010

Notice by the Clary Anthony Family Irrevocable 

Trust #101, Shreveport, Louisiana, Ms. Lynda 

June Anthony, Shreveport, Louisiana, and Mr. 

Luther Clary Anthony, Jr., Atlanta, Texas, 

Co-Trustees; Ms. Lynda June Anthony, 

Shreveport, Louisiana; Mr. Luther Clary 

Anthony, Jr., Atlanta, Texas; Mr. Luther Clary 

Anthony Sr., Springhill, Louisiana; Mrs. Frankie 

Sayers Anthony, Springhill, Louisiana, 

individually, (collectively, the "Notificants") 

have applied to the Federal Reserve Board for 

permission to retain 10% or more of the shares, 

and acquire additional shares, and thereby 

control of Citizens Bankshares of Springhill, 

Inc., and indirectly control its 

subsidiary,Citizens Bank & Trust Company, 

both of Springhill, Louisiana.

CITIZENS BANKSHARES OF 

SPRINGHILL, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Filings received during the week ending January 30, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 02/20/2010

02/05/2010

BW Acquisition, LLC, and Teach and Save, LLC 

(as a controlling owner of BW Acquisition, 

LLC), both of Fountain Green, Utah, to become 

a bank holding company by acquiring 57.7 

percent of Utah Community Bancorp and 

thereby indirectly acquire Utah Community 

Bank, both of Sandy, Utah.

BW ACQUISITION, LLC

Newspaper:

Federal Register:

* 3A3 Not available

01/29/2010

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund, L.P., Carpenter Community 

Bancfund-A, LP, Carpenter Community 

Bancfund-CA, L.P., SCJ, Inc., and CCFW, Inc., 

all of Irvine, California, to acquire up to 87 

percent of the outstanding voting shares of 

Mission Community Bancorp and thereby 

indirectly acquire a greater controlling interest 

in Mission Community Bank, both of San Luis 

Obispo, California; and 2) Mission Community 

Bancorp and Mission Community Bank, both of 

San Luis Obispo, California, to appoint Stephen 

P. Yost as a director of both Bancorp and Bank.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

* 3A1 Not available

12/07/2009

Golden Pacific Bancorp, Inc., Sacramento, 

California, to become a Bank Holding Company 

by acquiring 100 percent of the voting stock of 

Gold Country Financial Services, Inc., and 

indirectly its subsidiary, Gold Country 

Bank,National Association, both of Marysville, 

California.

GOLDEN PACIFIC BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 02/16/2010

Grandpoint Capital, Inc., Los Angeles, 

California, to become a Bank Holding Company 

by acquiring 100 percent of the voting shares of 

Santa Ana Business Bank, Santa Ana, 

California, and 2)to engage de novo through its 

wholly-owned subsidiary, Grandpoint Capital 

Advisors, Inc., Los Angeles, California, in 

financial advisory activities to businesses and 

individuals, pursuant to section 225.28(b)(6) and 

in private placement of debt and equity 

securities activities, pursuant to section 

225.28(b)(7)(iii) of Regulation Y.

GRANDPOINT CAPITAL, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Land Bank of Taiwan Co., Ltd., Taipei, Taiwan, 

to establish a New York branch office pursuant 

to section 211.24(a)(2)(i)(A) of Regulation K.

LAND BANK OF TAIWAN

Newspaper:

Federal Register:

CIC Not available

Not available

Wells Fargo Bank, N.A., Sioux Falls, South 

Dakota, to acquire, directly and indirectly, 25 

percent or more of the voting shares of Cardinal 

International Leasing, LLC, Monument Street 

Funding International I, LLC, Monument Street 

Internatioal Funding II, LLC; Wachovia Asia 

Holding Corporation LLC, and Wachovia 

International Bank Corporation.

WELLS FARGO & COMPANY

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Filings received during the week ending January 30, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

02/25/2010

Western Liberty Bancorp, Las Vegas, Nevada, 

to become a bank holding company by 

acquiring 100 percent of Service1st Bank of 

Nevada, Las Vegas, Nevada.

WESTERN LIBERTY BANCORP

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in 

which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and 

is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995.

The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated 

periodically. That record is taken into account in considering an institution's application for deposit facilities.

A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank.

Federal bank regulators use the following performance levels to rate an institution's performance under CRA:

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

The following state member banks have been examined and their CRA public evaluations are now available.

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act