Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 21 

Week Ending May 23, 2009

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

Municipal Finance -- statement by David W. Wilcox, deputy director, Division of 

Research and Statistics, on issues related to the markets for municipal debt, including 

municipal bond insurance and variable-rate demand obligations.

- Published, May 21, 2009

Banks, Nonmember, and Miscellaneous Institutions

Ally Bank (formerly GMAC Bank), Midvale, Utah -- requests for exemptions from 

section 23A of the Federal Reserve Act and Regulation W to allow Ally Bank (1) to 

lend to consumers to enable them to purchase automobiles from unaffiliated dealers 

in the United States that obtain floorplan financing from Ally Bank or affiliates of 

Ally Bank and (2) to provide floorplan financing to unaffiliated dealers to purchase 

automobiles from General Motors Corporation.

- Granted, May 21, 2009

Monetary and Financial Policy

Term Asset-Backed Securities Loan Facility -- expansion of the types of eligible 

collateral to include certain high-quality commercial mortgage backed securities 

issued before January 1, 2009 (legacy CMBS), starting in July 2009.

- Approved, May 18, 2009

Term Auction Facility -- TAF auction in the amount of $150 billion in 84-day credit 

on May 18, 2009.

- Announced, May 18, 2009

H.2 Board Actions May 17, 2009 to May 23, 2009

(A/C) = Addition or Correction Board - Page 1 of 2
Regulations and Policies

Regulations D (Reserve Requirements of Depository Institutions) and I (Issue and 

Cancellation of Federal Reserve Bank Capital Stock) -- final amendments to (1) 

Regulation D to permit the payment of interest on certain balances at Federal Reserve 

Banks and authorize the establishment of excess-balance accounts and (2) 

Regulations D and I to authorize pass-through accounts for member banks and to 

revise transfer restrictions on savings deposits.

- Approved, May 18, 2009

Risk-Based Capital Guidelines -- (1) final rule to permit bank holding companies to 

include in tier 1 capital, without limit, senior perpetual preferred stock issued to the 

Department of the Treasury under the Troubled Asset Relief Program and (2) interim 

final rule with request for comment to permit certain bank holding companies, under 

certain conditions, to include in tier 1 capital subordinated debt issued to Treasury 

under the TARP and to allow certain small bank holding companies to exclude such 

debt for purposes of the Board's Small Bank Holding Company Policy Statement.

- Approved, May 20, 2009

Enforcement

Barnes Bancorporation, Kaysville, Utah, and Barnes Banking Company -- written 

agreement with the Federal Reserve Bank of San Francisco.

- Announced, May 19, 2009

Community Bank of West Georgia, Villa Rica, Georgia -- issuance of a consent 

prompt corrective action directive.

- Announced, May 21, 2009

Philippine National Bank, Pasay City, Philippines, and its New York, New York 

branch -- written agreement with the Federal Reserve Banks of San Francisco and 

New York and the New York State Banking Department.

- Announced, May 20, 2009

H.2 Board Actions May 17, 2009 to May 23, 2009

(A/C) = Addition or Correction Board - Page 2 of 2
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

May 17, 2009 to May 23, 2009

Bank Branches, Domestic

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- to establish a branch at 

12620 East 116th Street, Fishers, Indiana.

Chicago

- Approved, May 21, 2009

SunTrust Bank, Atlanta, Georgia -- to establish branches at 7405 Maple Lawn 

Boulevard, Fulton, Maryland; 11225 U.S. Highway 301 North, Parrish, Florida; 

4850 Wiles Road, Coconut Creek; and 3501 Vanderburg Way, Estero.

Secretary

- Approved, May 21, 2009

Bank Holding Companies

Banner County Ban Corporation, Harrisburg, Nebraska -- to acquire Cowboy State 

Bank, Ranchester, Wyoming.

Kansas City

- Withdrawn, May 20, 2009

Cumberland Bancorp, Inc., Clarksville, Tennessee -- to become a bank holding 

company and to acquire Cumberland Bank & Trust, Clarksville.

Atlanta

- Approved, May 21, 2009

Discover Financial Services, Riverwoods, Illinois -- request for confidential 

treatment of its first quarter 2009 reports.

Director, BS&R

- Granted, May 19, 2009

(A/C) = Addition or Correction Delegated - 1 of 4
Bank Holding Companies

First Belleville Bancshares, Inc., Scandia, Kansas -- waiver of application to acquire 

Sutton State Bank, Sutton, Nebraska, in connection with its merger with First 

Belleville's subsidiary, Astra Bank, Scandia.

Kansas City

- Granted, May 22, 2009

GMAC LLC, Detroit, Michigan -- request for an exemption under the Depository 

Institution Management Interlocks Act and Regulation L.

General Counsel

- Granted, May 21, 2009

Bank Mergers

Logan County Bank, Lincoln, Illinois -- to purchase certain assets and assume certain 

liabilities of the 100 West Elm Street, Buffalo, branch of Town & Country Bank of 

Springfield, Springfield, and thereby establish a branch.

Chicago

- Approved, May 18, 2009

Midland States Bank, Effingham, Illinois -- to purchase certain assets and assume 

certain deposits and liabilities of Strategic Capital Bank, Champaign, and thereby 

establish a branch.

St. Louis

- Approved, May 22, 2009

Morton Community Bank, Morton, Illinois -- to purchase certain assets and assume 

certain deposits and other liabilities of Citizens National Bank, Macomb, and thereby 

establish eight branches.

Chicago

- Approved, May 21, 2009

H.2 Actions under delegated authority May 17, 2009 to May 23, 2009

(A/C) = Addition or Correction Delegated - 2 of 4
Bank Mergers

Town & Country Bank of Springfield, Springfield, Illinois -- to merge with Town & 

Country Bank, Buffalo, and thereby establish three branches.

Chicago

- Approved, May 18, 2009

Banks, Foreign

Commerzbank AG, Frankfurt, Germany -- waiver of application to establish a branch 

in New York, New York, as a result of the merger of Dresdner Bank AG, Frankfurt, 

into Commerzbank.

General Counsel

- Granted, May 20, 2009

Change in Bank Control

C-B-G, Inc., West Liberty, Iowa -- change in bank control of C-B-G and its 

subsidiaries, Community Bank, Muscatine; Washington Bancorp, Washington; and 

Federation Bank.

Chicago

- Permitted, May 22, 2009

Milk River Banquo, Inc., Malta, Montana -- change in bank control of Milk River 

and its subsidiaries, Malta Banquo, Inc., Malta; First Security Bank of Malta; and 

Valley Bank of Glasgow, Glasgow.

Minneapolis

- Withdrawn, May 19, 2009

H.2 Actions under delegated authority May 17, 2009 to May 23, 2009

(A/C) = Addition or Correction Delegated - 3 of 4
Change in Bank Control

University National Bancshares, Inc., Pittsburg, Kansas -- to retain control of 

University and its subsidiary bank, University National Bank, Pittsburg.

Kansas City

- Permitted, May 19, 2009

Wheatland Investments, Inc., Haven, Kansas -- change in bank control of Wheatland 

and its subsidiary bank, BankHaven, Haven.

Kansas City

- Withdrawn, May 18, 2009

Extensions of Time

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri -- extension 

to September 4, 2009, to increase its ownership of Cabool Bancshares, Inc., Cabool, 

and Cabool State Bank.

St. Louis

- Granted, May 18, 2009

Valley Bank, Roanoke,Virginia -- extension to November 22, 2009, to establish a 

branch at 4003 Challenger Avenue, Roanoke.

Richmond

- Granted, May 20, 2009

Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on April 28-29, 2009.

FOMC

- Published, May 20, 2009

H.2 Actions under delegated authority May 17, 2009 to May 23, 2009

(A/C) = Addition or Correction Delegated - 4 of 4
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending May 23, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

06/01/2009

06/01/2009

Application by BSB Bancorp, MHC and BSB 

Bancorp, Inc., both of Belmont, Massachusetts 

- to become a mutual bank holding company 

and stock bank holding company, respectively, 

by acquiring Belmont Savings Bank, Belmont, 

Massachusetts, pursuant to sections 3(a)(1) 

and 3(a)(3) of the Bank Holding Company Act 

of 1956, as amended.

BSB BANCORP MHC

* 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

NONE

CRA Examinations scheduled for Third Quarter of 2009 (July 1, 2009 - September 30, 2009)

Institution Location

NORTH ABINGTON CO-OP BK NORTH ABINGTON, MASSACHUSETTS

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

Federal Reserve Bank of New York

Filings received during the week ending May 23, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Barclays Bank PLC, London, England, to 

establish an additional branch in New York, 

New York, pursuant to Section 211.24(a)(2)(i)(A) 

of Regulation K.

BARCLAYS BANK PLC

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Canadian Imperial Bank of Commerce, Toronto, 

Canada to establish an agency in New York, 

New York, pursuant to Section 211.24(a)(1)(i)(A) 

of Regulation K.

CANADIAN IMPERIAL BANK 

OF COMMERCE

* 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 Third Quarter of 2009 (July 1, 2009 - September 30, 2009)

Institution Location

ADIRONDACK BK UTICA, NEW YORK

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending May 23, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

The Bancorp, Inc., Wilmington, PA, to acquire 

American Home Bank, Chicago, IL.

BANCORP, INC., THE

Newspaper:

Federal Register:

CIC Not available

04/03/2009

Patriot Financial Partners, GP, L.P., Patriot 

Financial Partners, L.P., Patriot Financial 

Partners Parallel, L.P., Patriot Financial Partners, 

GP, LLC, Patriot Financial Managers, L.P., and 

Messrs. Ira M. Lubert, W. Kirk Wycoff and 

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 14.9 percent of 

Guaranty Bancorp, parent of Guaranty Bank and 

Trust Company, both in Denver, Colorado, 

through the acquisition of voting shares.

Patriot Financial Partners

* 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

NONE

CRA Examinations scheduled for Third Quarter of 2009 (July 1, 2009 - September 30, 2009)

Institution Location

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

Federal Reserve Bank of Cleveland

Filings received during the week ending May 23, 2009

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 Third Quarter of 2009 (July 1, 2009 - September 30, 2009)

Institution Location

COMMERCIAL & SVG BK MILLERSBURG, OHIO

COMMUNITY TR BK INC PIKEVILLE, KENTUCKY

CORTLAND SVG & BKG CO CORTLAND, OHIO

MARBLEHEAD BK MARBLEHEAD, OHIO

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

Federal Reserve Bank of Richmond

Filings received during the week ending May 23, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 06/08/2009

06/01/2009

1st Financial Services Corporation, 

Hendersonville, North Carolina, to acquire 100% 

of the voting securities of AB&T Financial 

Corporation, Gastonia, North Carolina, and 

thereby indirectly acquire Alliance Bank & 

Trust Company, Gastonia, North Carolina.

1ST FINANCIAL SERVICES 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

06/02/2009

Edward Bailey Howlin, Jr., Davidsonville, 

Maryland, to individually acquire up to 20.71% 

of the voting shares of CommerceFirst, Bancorp, 

Inc., Annapolis, Maryland. Additionally, 

Edward Bailey Howlin, Jr., Howlin Family 

Partnership II, LLLP, Dawn Howlin Vanvie, and 

Holly Howlin, as a group acting in concert, to 

acquire up to 21.5% of the voting shares of 

CommerceFirst, Bancorp, Inc., Annapolis, 

Maryland.

COMMERCEFIRST BANCORP, 

INC.

* 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

 3198421 BANK OF VA, MIDLOTHIAN, VIRGINIA 01/26/2009 04/21/2009 S Small Bank

 3187630 CONGRESSIONAL BK, POTOMAC, MARYLAND 12/08/2008 04/29/2009 S Small Bank

 3614976 FIRST VA CMNTY BK, FAIRFAX, VIRGINIA 01/05/2009 04/07/2009 S Small Bank

 711520 MINERS EXCH BK, COEBURN, VIRGINIA 01/12/2009 04/28/2009 S Small Bank

CRA Examinations scheduled for Third Quarter of 2009 (July 1, 2009 - September 30, 2009)

Institution Location

BANK OF LANCASTER KILMARNOCK, VIRGINIA

CAPITALBANK GREENWOOD, SOUTH CAROLINA

CLEAR MNT BK BRUCETON MILLS, WEST VIRGINIA

COMMERCEFIRST BK ANNAPOLIS, MARYLAND

HERITAGE BK NORFOLK, VIRGINIA

NEW PEOPLES BK HONAKER, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending May 23, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

06/22/2009

First America Holdings Corporation, Osprey, 

Florida, to acquire 100 percent of the 

outstanding shares of MRCB Holdings, Inc., 

Palmetto, Florida, and thereby engage in 

operating a savings association.

FIRST AMERICA HOLDINGS 

CORPORATION

* 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

 147174 STERLING BK, LANTANA, FLORIDA 01/12/2009 05/07/2009 S Int Sm Bank

CRA Examinations scheduled for Third Quarter of 2009 (July 1, 2009 - September 30, 2009)

Institution Location

ALIANT BK ALEXANDER CITY, ALABAMA

BAY FNCL SVG BK FSB TAMPA, FLORIDA

CCB CMNTY BK ANDALUSIA, ALABAMA

MARCO CMNTY BK MARCO ISLAND, FLORIDA

TRANSATLANTIC BK MIAMI, FLORIDA

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

Federal Reserve Bank of Chicago

Filings received during the week ending May 23, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Cedar Rapids Bank and Trust Company, Cedar 

Rapids, Iowa, to purchase certain assets and 

assume certain liabilities of the Cedar Rapids, 

Iowa office of Village Bank and Trust Company, 

Cedar Rapids, Iowa.

CEDAR RAPIDS BANK AND 

TRUST COMPANY

Newspaper:

Federal Register:

* 3A3 06/06/2009

06/01/2009

Country Bancorporation, Crawfordsville, Iowa, 

to acquire 100 percent of the voting shares of 

The Exchange State Bank, Springville, Iowa.

COUNTRY BANCORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Charles A. Adams, Mattoon, Illinois, 

individually, and with Holly A. Bailey, Howell 

Paving, Inc., and Howell-Adams Foundation, all 

of Mattoon, Illinois, as a group acting in 

concert, to acquire more than 10 percent of the 

voting shares of First Mid-Illinois Bancshares, 

Inc., Mattoon, Illinois, and thereby indirectly 

acquire shares of First Mid-Illinois Bank & 

Trust, National Association, Mattoon, Illinois.

FIRST MID-ILLINOIS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Glenwood State Bank, Glenwood, Iowa, to 

merge with First State Bank, Tabor, Iowa. As a 

result of their merger, the office at 711 Main 

Street, Tabor, Iowa, will become a branch of 

Glenwood State Bank, Glenwood, Iowa.

GLENWOOD STATE BANK

Newspaper:

Federal Register:

* 3A1 Not available

4c8 06/22/2009

Hantz Holdings, Inc., Southfield, Michigan, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Davison 

State Bank, Davison, Michigan, and also, 

proposes to acquire Tranex Financial, Inc., 

Southfield, Michigan and thereby engage in 

making and servicing loans.

HANTZ HOLDINGS, INC.

Newspaper:

Federal Register:

4c8 Not applicable

06/09/2009

West Suburban Bancorp, Inc., Lombard, Illinois, 

proposes to engage de novo in extending credit 

and servicing loans.

WEST SUBURBAN BANCORP, 

INC.

* 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

 3462092 VISIONBANK OF IA, WEST DES MOINES, IOWA 01/05/2009 04/27/2009 S Small Bank

CRA Examinations scheduled for Third Quarter of 2009 (July 1, 2009 - September 30, 2009)

Institution Location

1ST SOURCE BK SOUTH BEND, INDIANA

BANK OF ELMWOOD RACINE, WISCONSIN

BAYLAKE BK STURGEON BAY, WISCONSIN

CENTRAL BK STORM LAKE, IOWA

CENTRAL ST BK MUSCATINE, IOWA

CITIZENS BK FLINT, MICHIGAN

COMMUNITY BK ELMHURST ELMHURST, ILLINOIS

DEMOTTE ST BK DE MOTTE, INDIANA

FIRST B&T EVANSTON, ILLINOIS

FIRST CMNTY BK HARBOR SPRINGS, MICHIGAN

GRUNDY BK MORRIS, ILLINOIS

ISABELLA BK MOUNT PLEASANT, MICHIGAN

LAKE CITY BK WARSAW, INDIANA

LAKE FOREST B&TC LAKE FOREST, ILLINOIS

LOGAN CTY BK LINCOLN, ILLINOIS

NORTHERN TC CHICAGO, ILLINOIS

SAINT ANSGAR ST BK SAINT ANSGAR, IOWA

SECURITY SVG BK GOWRIE, IOWA

TOWN & CNTRY BK BUFFALO, ILLINOIS

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

Federal Reserve Bank of St. Louis

Filings received during the week ending May 23, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 06/17/2009

05/12/2009

Notice by Terry L. Bunnell, individually as the 

largest shareholder, and in concert with 

Deborah L. Bunnell, both of Glasgow, 

Kentucky, to gain control of Peoples-Marion 

Bancorp, Inc., Marion, Kentucky.

PEOPLES-MARION BANCORP, 

INC.

* 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

NONE

CRA Examinations scheduled for Third Quarter of 2009 (July 1, 2009 - September 30, 2009)

Institution Location

ARKANSAS BKR BK LITTLE ROCK, ARKANSAS

BANK OF HALLS HALLS, TENNESSEE

CASS COMMERCIAL BK BRIDGETON, MISSOURI

FARMERS B&TC MAGNOLIA, ARKANSAS

FIRST ST BK OF RED BUD RED BUD, ILLINOIS

GATES BKG&TC GATES, TENNESSEE

LIBERTY BANK OF ARKANSAS JONESBORO, ARKANSAS

LINDELL B&TC SAINT LOUIS, MISSOURI

MIDLAND ST BK EFFINGHAM, ILLINOIS

MIDWEST BANKCENTRE LEMAY, MISSOURI

MIDWEST INDEPENDENT BK JEFFERSON CITY, MISSOURI

SIMMONS FIRST BK OF SEARCY SEARCY, ARKANSAS

TRUMAN BK SAINT LOUIS, MISSOURI

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending May 23, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

06/11/2009

Change in Control Notice by Robb B. Kahl, 

Monona, Wisconsin, as trustee of the Glenn A. 

Solsrud Revocable Trust concerning Augusta 

Financial Corporation, to gain control of 

Augusta Financial Corporation, Augusta, 

Wisconsin, and thereby gain control of Unity 

Bank, Augusta, Wisconsin.

AUGUSTA FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

06/11/2009

Change in Control Notice by Robb B. Kahl, 

Monona, Wisconsin, as trustee of the Glenn A. 

Solsrud Revocable Trust concerning Caprice 

Corporation, to gain control of Caprice 

Corporation, Augusta, Wisconsin, and thereby 

gain control of Unity Bank North, Red Lake 

Falls, Minnesota.

CAPRICE CORPORATION

* 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 Third Quarter of 2009 (July 1, 2009 - September 30, 2009)

Institution Location

BANKFIRST SIOUX FALLS, SOUTH DAKOTA

CITIZENS B&TC BIG TIMBER, MONTANA

FARMERS ST BK OF WEST CONCORD WEST CONCORD, MINNESOTA

FIRST SECURITY BK MISSOULA MISSOULA, MONTANA

FIRST WESTERN BK WALL, SOUTH DAKOTA

PIONEER B&TC BELLE FOURCHE, SOUTH DAKOTA

PIONEER BK MAPLETON, MINNESOTA

PROFINIUM FNCL TRUMAN, MINNESOTA

RAVALLI COUNTY BK HAMILTON, MONTANA

UNITED BKR BK BLOOMINGTON, MINNESOTA

WELCOME ST BK WELCOME, MINNESOTA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending May 23, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/28/2009

Notice submitted by William B. Vollbracht, 

Denver, Colorado, individually; and as 

managing member of The GDO Partnership and 

Vollbracht Properties, LLC, both of Denver, 

Colorado; and as controlling shareholder of 

Land Title Guarantee Company, and Land Title 

Insurance Corporation, both of Denver, 

Colorado; to retain control of Alpine Banks of 

Colorado, parent of Alpine Bank, both in 

Glenwood Springs, Colorado (Company), as a 

member of a family group acting in concert. 

Other members of the family group applying to 

retain control of Company are Leslie D. 

Vollbracht, Denver, Colorado; Dana L. 

Vollbracht, Castle Rock, Colorado; Alison 

Vollbracht Winfield, Seattle, Washington; Kirby 

Franklin Winfield III Trust, Seattle, 

Washington; Carole E. Earle, Denver, Colorado; 

Judith L. Freehling Trust, Denver, Colorado; 

and The GDO Partnership, Land Title Guarantee 

Company, Land Title Insurance Corporation, 

and Vollbracht Properties, LLC, all of Denver, 

Colorado.

ALPINE BANKS OF COLORADO

Newspaper:

Federal Register:

* 3A3 06/08/2009

06/08/2009

First Okmulgee Corporation, Okmulgee, 

Oklahoma, to acquire up to an additional 0.43 

percent for a total of up to 12.485 percent of the 

voting shares of Coffeyville Bancorp, Inc., 

parent of Community State Bank, both in 

Coffeyville, Kansas.

FIRST OKMULGEE 

CORPORATION

Newspaper:

Federal Register:

CIC 06/07/2009

06/05/2009

Relational Investors LLC, Relational Investors 

Mid-Cap Fund I, L.P., Relational Investors 

Mid-Cap II, L.P., Relational Group LLC, 

Relational Holdings LLC, Relational Investors 

Group LLC, Ralph V. Whitworth, and David H. 

Batchelder, all of San Diego, California, to 

purchase up to 14.9 percent of Guaranty 

Bancorp, parent of Guaranty Bank and Trust 

Company, both in Denver, Colorado, through 

the acquisition of voting shares.

GUARANTY BANCORP

Newspaper:

Federal Register:

* 3A3 Not available

Not available

International Brotherhood of Boilermakers, Iron 

Ship Builders, Blacksmiths, Forgers and 

Helpers, Kansas City, Kansas, to acquire, over a 

period of 60 months, up to 51 percent of the 

voting shares of Brotherhood Bancshares, Inc., 

parent of The Brotherhood Bank & Trust 

Company, both in Kansas City, Kansas.

INTERNATIONAL 

BROTHERHOOD OF 

BOILERMAKERS, IRON SHIP 

BUILDERS, BLACKSMITHS, 

FORGERS AND HELPERS

* 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

NONE

CRA Examinations scheduled for Third Quarter of 2009 (July 1, 2009 - September 30, 2009)

Institution Location

1ST BK EVANSTON, WYOMING

BANK OF JACKSON HOLE JACKSON, WYOMING

CITIZENS B&TC OF ARDMORE ARDMORE, OKLAHOMA

CITIZENS BK OF EDMOND EDMOND, OKLAHOMA

CITIZENS SECURITY B&TC BIXBY, OKLAHOMA

COBIZ BK DENVER, COLORADO

FARMERS BK OF LINCOLN LINCOLN, MISSOURI

FIRST ST BK LINCOLN, NEBRASKA

FIRSTBANK OF VAIL VAIL, COLORADO

GRANT CTY BK MEDFORD, OKLAHOMA

LAMAR B&TC LAMAR, MISSOURI

PLATTE VALLEY ST B&TC KEARNEY, NEBRASKA

PREMIER BK LENEXA, KANSAS

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

Federal Reserve Bank of Dallas

Filings received during the week ending May 23, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

06/12/2009

First Grayson Bancshares, Inc., Employee Stock 

Ownership Plan and Trust and First Grayson 

Bancshares, Inc., both in McGregor, Texas, to 

acquire The Roxton Corporation Employee 

Stock Ownership Plan and Trust, McGregor, 

Texas, and indirectly acquire through merger 

The Roxton Corporation, McGregor, Texas, and 

The First Bank, Roxton, Texas, Roxton, Texas.

FIRST GRAYSON BANCSHARES, 

INC. EMPLOYEE'S STOCK 

OWNERSHIP TRUST

* 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 Third Quarter of 2009 (July 1, 2009 - September 30, 2009)

Institution Location

HCSB ST BKG ASSN PLAINVIEW, TEXAS

LEGACYTEXAS BK PLANO, TEXAS

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

Federal Reserve Bank of San Francisco

Filings received during the week ending May 23, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 06/11/2009

06/11/2009

Castle Creek Capital Partners III LP, Castle Creek 

Capital III LLC, Eggemeyer Capital LLC, Ruh 

Capital LLC, and Legions IV Advisory Corp., all 

of Rancho Santa Fe, California, to acquire up to 

19.9 percent of Guaranty Bancorp, and thereby 

indirectly its subsidiary, Guaranty Bank and 

Trust Company, both of Denver, Colorado.

CASTLE CREEK CAPITAL III LLC

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Franklin Resources, Inc., San Mateo, California, 

to acquire 9.90 percent of Black River 

BancVenture, Inc., Memphis, Tennessee, and 

thereby indirectly acquire Allegiance Bank of 

North America, Bala Cynwyd, Pennsylvania, 

Bay Commercial Bank, Walnut Creek, California, 

Community Shores Bank, Muskegon, Michigan, 

Cornerstone Bank, Moorestown, New Jersey, 

Lakeside Community Bank, Sterling Heights, 

Michigan, and Quaint Oak Bank, Southhampton 

Pennsylvania.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Heritage Bank of Commerce, San Jose, 

California, to purchase the assets and assume 

the liabilities of two branches of Wachovia 

Bank, N.A., Charlotte, North Carolina.

HERITAGE BANK OF 

COMMERCE

* 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

 2209553 HERITAGE BK OF CMRC, SAN JOSE, CALIFORNIA 01/20/2009 05/04/2009 S Large Bank

CRA Examinations scheduled for Third Quarter of 2009 (July 1, 2009 - September 30, 2009)

Institution Location

HOME VALLEY BK GRANTS PASS, OREGON

OAK VALLEY CMNTY BK OAKDALE, CALIFORNIA

PACIFIC CMRC BK LOS ANGELES, CALIFORNIA

PIERCE CMRL BK TACOMA, WASHINGTON

SAN JOAQUIN BK BAKERSFIELD, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act