Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 14 

Week Ending April 4, 2009

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Holding Companies

Government of Singapore Investment Corporation Pte., Ltd., Singapore -- request for 

a determination that Government of Singapore Investment Corporation (GIC) would 

not be deemed to control Citigroup Inc., New York, New York, under the Bank 

Holding Company Act as a result of GIC's participation in a share-exchange offer 

made by Citigroup; related change in bank control notice; and waiver of public 

comment period on the notice.

- Approved, March 23, 2009

(A/C)

Banks, Nonmember, and Miscellaneous Institutions

ING Bank, fsb, Wilmington, Delaware -- request for an exemption from section 23A 

of the Federal Reserve Act and Regulation W to allow ING Bank to transfer its 

participation interest in certain mortgage-backed securities to its Dutch affiliate, ING 

Support Holdings B.V., and to receive from that affiliate an assignment of its right to 

payments by the Dutch government.

- Granted, March 30, 2009

Enforcement

BankEast Corporation, Knoxville, Tennessee, and BankEast -- written agreement 

with the Federal Reserve Bank of Atlanta.

- Announced, March 30, 2009

Blossman Bancshares, Inc., Lacombe, Louisiana -- written agreement with the 

Federal Reserve Bank of Atlanta and the Banking Commissioner of the State of 

Louisiana.

- Announced, April 2, 2009

Heritage Bank, Topeka, Kansas -- issuance of a consent prompt corrective action 

directive against Heritage Bank.

- Announced, March 31, 2009

H.2 Board Actions March 29, 2009 to April 4, 2009

(A/C) = Addition or Correction Board - Page 1 of 2
Enforcement

WestLB AG, Dusseldorf, Germany, and its New York, New York, branch -- cease 

and desist order dated August 27, 2003, terminated March 30, 2009.

- Announced, April 2, 2009

H.2 Board Actions March 29, 2009 to April 4, 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

March 29, 2009 to April 4, 2009

Bank Branches, Domestic

Middleburg Bank, Middleburg, Virginia -- to establish a branch at Scott Thomas 

Building, 5372 Discovery Park Boulevard, Williamsburg.

Richmond

- Withdrawn, March 30, 2009

Midwest Bank of Western Illinois, Monmouth, Illinois -- to establish a branch at 

North 6th Street and Highway 34, Monmouth.

Chicago

- Approved, April 2, 2009

Bank Holding Companies

Investors Bancorp, MHC, Short Hills, New Jersey, and Investors Bancorp, Inc. -- 

relief from certain commitments.

Director, BS&R

- Granted, April 1, 2009

Las Vegas Bancorporation, Inc., Las Vegas, New Mexico -- to retain its interest in 

Bethlehem Financial Corporation, Belen, and its subsidiary bank, My Bank.

Kansas City

- Approved, April 1, 2009

(A/C) = Addition or Correction Delegated - 1 of 2
Extensions of Time

Fifth Third Bank, Grand Rapids, Michigan -- extension to July 31, 2009, to establish 

a branch at 680 North Lake Shore Drive, Chicago, Illinois.

Cleveland

- Granted, April 3, 2009

Wilshire Bancorp, Inc., Los Angeles, California -- extension of the processing period 

to May 4, 2009, for a notice to retain control of Wilshire and its subsidiary bank, 

Wilshire State Bank, Los Angeles, and a related request for a determination of 

qualified family partnership status.

San Francisco

- Granted, April 3, 2009

H.2 Actions under delegated authority March 29, 2009 to April 4, 2009

(A/C) = Addition or Correction Delegated - 2 of 2
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending April 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5

* 3A1

Not available

Application by Connecticut Mutual Holding 

Company, Winsted, Connecticut, to acquire 

through merger Collinsville Savings Mutual 

Holding Company, Collinsville Stock Holding 

Company, and Collinsville Savings Society, all 

located in Collinsville, Connecticut, pursuant to 

sections 3(a)(3) and 3(a)(5) of the BHC Act. In 

connection with the above application, 

Collinsville Savings Mutual Holding Company, 

Collinsville, Connecticut will incorporate a 

wholly-owned subsidiary, a stock bank holding 

company, called Collinsville Stock Holding 

Company, Collinsville, Connecticut pursuant to 

sections 3(a)(1) and 3(a)(3) of the BHC Act.

CONNECTICUT MUTUAL 

HOLDING COMPANY

* 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 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 April 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Banque Transatlantique, Paris, France, to 04/15/2009

establish a representative office in New York, 

New York, pursuant to Section 211.24(a)(1) of 

Regulation K.

BANQUE TRANSATLANTIQUE

Newspaper:

Federal Register:

* 18C

Not applicable

Chemung Canal Trust Company, Elmira, New 04/02/2009

York for approval to merge with the Bank of 

Canton, Canton, Pennsylvania, pursuant to 

Section 18(c) of the Federal Deposit Insurance 

Act.

CHEMUNG CANAL TRUST 

COMPANY

Newspaper:

Federal Register:

* 3A3

* 3A5

04/11/2009

04/10/2009

Chemung Financial Corporation, Elmira, New 

York, to acquire Canton Bancorp, Inc. and its 

wholly-owned subsidiary, the Bank of Canton, 

both of Canton, Pennsylvania, pursuant to 

Sections 3(a)(3)and 3(a)(5) of the BHC Act and 

Section 225.14 of Regulation Y.

CHEMUNG FINANCIAL 

CORPORATION

* 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 April 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

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 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 April 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Benchmark Bancorp, Inc., Gahanna, Ohio to 

become a bank holding company by acquiring 

100 percent of Benchmark Bank, Gahanna, Ohio

Benchmark Bancorp, Inc.

Newspaper:

Federal Register:

* 3A1 04/27/2009

04/27/2009

Application by Community Exchange 

Bancshares Inc., Hindman, KY to become a 

Bank Holding Company by acquiring 100% of 

the voting shares of Hindman Bancshares Inc., 

Hindman, KY and its subsidiary Bank of 

Hindman Inc.

Community Exchange Bancshares 

Inc.

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 04/08/2009

branch at 2121 Centre Avenue, Pittsburgh, PA.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Grand Rapids, MI to establish 04/14/2009

a branch at 2602 East Hillsborough Avenue, 

Tampa, FL.

FIFTH THIRD BANK

* 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 April 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Powhatan, a division of Bank of Essex, 04/17/2009

Tappahannock, Virginia, to establish a branch at 

3470 Winterfield Road, Midlothian, Virginia.

BANK OF ESSEX

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Bank of Hampton Roads, Norfolk, Virginia, to 

merge with Gateway Bank & Trust Co., Elizabeth 

City, North Carolina.

BANK OF HAMPTON ROADS

Newspaper:

Federal Register:

* Branch

Not applicable

The Fauquier Bank, Warrenton, Virginia, 04/21/2009

proposes to establish a branch at 15252 

Washington Street, Haymarket, Virginia.

FAUQUIER BANK, THE

Newspaper:

Federal Register:

CIC Not available

04/21/2009

Mr. David L. Sokol, Omaha, Nebraska, to control 

14.6% of Middleburg Financial Corporation, 

Middleburg, Virginia.

MIDDLEBURG FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

04/17/2009

Randolph Bancshares, Inc., Asheboro, North 

Carolina, to become a bank holding company 

through the acquisition of 100% of the voting 

securities of Randolph Bank & Trust Company, 

Asheboro, North Carolina.

Randolph Bancshares, 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

 94522 BENCHMARK CMNTY BK, KENBRIDGE, VIRGINIA 12/01/2008 03/12/2009 S Int Sm Bank

 947628 PEOPLES CMNTY BK, MONTROSS, VIRGINIA 12/15/2008 03/19/2009 S Small Bank

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 April 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 04/17/2009

establish a branch located at 9400 Ed Robson 

Boulevard, Denton, Texas.

COMPASS BANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

RCB Financial Corporation, notice to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of River City Bank, 

both of Rome, Georgia.

RCB Financial Corp

* 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 April 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Bank Iowa, Oskaloosa, Iowa, to purchase the 

assets and assume the liabilities of the Newton, 

Iowa branch of Bank Iowa, Altoona, Iowa, and 

to establish a branch facility at 215 West 2nd 

Street North, Newton, Iowa.

BANK IOWA

Newspaper:

Federal Register:

CIC Not available

04/14/2009

Notice by David E. Carpenter, Iowa City, Iowa; 

and Nancy A. Leahy, individually and as part of 

the Leahy Family (Nancy A. Leahy, Timothy J. 

Leahy, Brian J. Leahy, and Evan G. Leahy, all of 

Idaho Falls, Idaho) for permission to control 25 

percent or more of the shares of C-B-G, Inc., and 

thereby indirectly control Community Bank, 

Muscatine, Iowa; Washington Bancorp, 

Washington, Iowa; and Federation Bank, 

Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/27/2009

Community First Financial Corporation, 

Kokomo, Indiana, to become a bank holding 

company by acquiring 100 percent of the voting 

shares of Community First Bank of Howard 

County, Kokomo, Indiana.

COMMUNITY FIRST 

FINANCIAL CORPORATION

Newspaper:

Federal Register:

CIC

Not available

Notice by Bruce J. Essex, Whitehall, Michigan, 04/17/2009

Yvonne M. Essex, Whitehall, Michigan, and 

Bruce J. Essex, Jr., North Muskegon, Michigan, 

to retain 10 percent or more of the voting shares 

of Community Shores Bank Corporation, 

Muskegon, Michigan, and thereby indirectly 

retain control of Community Shores Bank, 

Muskegon, Michigan.

COMMUNITY SHORES BANK 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Midwest Bank of Western Illinois, Monmouth, 03/20/2009

Illinois, to establish a branch facility to be 

located at North 6th Street and Highway 34, 

Monmouth, Illinois.

MIDWEST BANK OF WESTERN 

ILLINOIS

Newspaper:

Federal Register:

* 3A3 Not available

04/14/2009

Minier Financial,Inc. Employee Stock 

Ownership Plan with 401(k) Provisions, Minier, 

Illinois, to increase its ownership of Minier 

Financial, Inc., Minier, Illinois, from 29 percent 

to up to 51 percent, and thereby increase its 

indirect ownership of First Farmers State Bank, 

Minier, Illinois.

MINIER FINANCIAL, INC. 

EMPLOYEE STOCK OWNERSHIP 

PLAN W/401(K) PROVISIONS

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

Federal Reserve Bank of Chicago

Filings received during the week ending April 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/14/2009

04/22/2009

Notice by Montfort Bancorporation, Inc. Voting 

Trust ("Voting Trusts), Platteville, Wisconsin, 

Patrick M. Clare, as trustee of Voting Trust, 

various Clare Family trusts as beneficiaries of 

Voting Trust, and Patrick M. Clare, Timothy J. 

Clare, and Kelly A. Clare, as trustees of the 

Clare Family trusts, together as a group acting 

in concert, and Patrick M. Clare, Platteville, 

Wisconsin, individually, to acquire 25 percent 

or more of the outstanding shares of Montfort 

Bancorporation, Inc., Platteville, Wisconsin, and 

thereby indirectly acquire control of Clare 

Bancorporation, Inc. and Clare Bank, National 

Association, both of Platteville, Wisconsin.

MONTFORT 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/10/2009

OSB Financial Corporation, Brooklyn, Michigan, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

OSB Community Bank, Brooklyn, Michigan.

OSB FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

03/24/2009

Notice by Robert C. Fick, Davenport, Iowa, for 

permission to acquire an additional 5 percent, 

for an aggregate ownership of 16 percent of 

River Valley Bancorp, Inc., Davenport, Iowa, 

and thereby indirectly Valley Bank, Moline, 

Illinois; Freedom Bank, Sterling, Illinois; and 

Valley Bank, Fort Lauderdale, Florida.

RIVER VALLEY 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

 37949 BANK OF RANTOUL, RANTOUL, ILLINOIS 12/01/2008 03/23/2009 S Small Bank

 194440 COMMERCIAL SVG BK, CARROLL, IOWA 12/08/2008 03/17/2009 S Small Bank

 977942 HEDRICK SVG BK, OTTUMWA, IOWA 12/01/2008 03/23/2009 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 April 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Mr. Terry R. Fuller, Mr. Jerry W. 

Fuller, Ms. Mary S. Fuller, and the estate of Ray 

C. Fuller (co-executors are Mr. Terry R. Fuller, 

Mr. Jerry W. Fuller, and Ms. Cheryl F. Heuer), 

all of Poplar Grove, Arkansas, as a group acting 

in concert, to gain control of Helena 

Bancshares, Inc., Helena, Arkansas.

HELENA BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Southern Bancorp Bank of Arkansas, 

Arkadelphia, Arkansas, to merge with 

Timberland Bank, El Dorado, Arkansas, and to 

retain the acquired facilities as branch offices.

SOUTHERN BANCORP BANK OF 

ARKANSAS

* 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 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 April 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/10/2009

Beartooth Financial Corporation, Billings, 

Montana to become a bank holding company 

by acquiring 100 percent of Beartooth Bank, 

Billings, Montana.

BEARTOOTH FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Mackinac Financial Corporation, Manistique, 

Michigan, proposes to acquire 10% of Clarkston 

Capital Partners, LLC, Troy, Michigan, and 

thereby indirectly engage in financial and 

investment advisory activities, pursuant to 

section 225.28(b)(6) of Regulation Y.

MACKINAC FINANCIAL 

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

 600651 AMERICAN ST BK OF PIERRE, PIERRE, SOUTH DAKOTA 12/01/2008 03/23/2009 S Small Bank

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 April 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/25/2009

04/06/2009

Notice by Donald Rossiter, Hartington, 

Nebraska, individually and as trustee of the 

Mary E. Rossiter Trust, and Carol F. Rossiter, 

Macon, Georgia, individually and as trustee of 

the Mary E. Rossiter Trust, and the Margaret R. 

Rossiter Trust, to retain control of Cedar 

Bancorp, Inc., parent of Bank of Hartington, 

both in Hartington, Nebraska, through the 

acquisition of voting shares. Also, Donald W. 

Rossiter, Carol F. Rossiter, Phyllis Schrempp, J. 

Scott Schrempp, Christine Rositter, and Leon 

Schrempp, a group acting in concert, to retain 

control of Cedar Bancorp, Inc. parent of Bank of 

Hartington, Hartington, Nebraska.

CEDAR BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

05/01/2009

Jonah Bankshares, Casper, Wyoming, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Jonah Bank, Casper, Wyoming.

JONAH BANKSHARES

Newspaper:

Federal Register:

CIC Not available

04/16/2009

Notice submitted by Martin C. Bicknell, 

Bucyrus, Kansas, to acquire control of 

University National Bancshares, Inc., parent of 

University National Bank, both in Pittsburg, 

Kansas.

UNIVERSITY NATIONAL 

BANCSHARES, INC.

* 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 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 April 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 04/03/2009

04/03/2009

Jourdanton Bancshares, Inc., Jourdanton, 

Texas, to become a bank holding company by 

acquiring 100 percent of Jourdanton State Bank, 

Jourdanton, Texas.

JOURDANTON BANCSHARES, 

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 April 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Community Bank of Nevada, Las Vegas, 

Nevada, to merge with Community Bank of 

Arizona, Phoenix, Arizona.

COMMUNITY BANK OF 

NEVADA

* 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