Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 19 

Week Ending May 9, 2009

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

Allied Irish Banks, p.l.c., Dublin, Ireland; M&T Bank Corporation, Buffalo, New 

York; and First Empire State Holding Company -- to acquire Provident Bankshares 

Corporation, Baltimore, Maryland, and thereby acquire Provident Bank of Maryland; 

and for Manufacturers and Traders Trust Company, Buffalo, to merge with Provident 

Bank of Maryland and thereby establish branches.

- Approved, May 8, 2009

Forms

Forms -- final Board review to extend without revision the Recordkeeping 

Requirements Associated with Real Estate Appraisal Standards for Federally Related 

Transactions Pursuant to Regulations H and Y (FR H-4); Recordkeeping 

Requirements Associated with Changes in Foreign Investments (Made Pursuant to 

Regulation K) (FR 2064); Request for Proposal (RFP) and Request for Price 

Quotations (RFPQ); and Notice Requirements in Connection with Regulation W 

(Reg W).

- Approved, May 5, 2009

Forms -- initial Board review to extend without revision the reporting and disclosure 

requirements of Regulation P (Privacy of Consumer Financial Information).

- Proposed, May 7, 2009

Monetary and Financial Policy

Term Auction Facility -- TAF auction in the amount of $150 billion in 28-day credit 

on May 4, 2009.

- Announced, May 4, 2009

H.2 Board Actions May 3, 2009 to May 9, 2009

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

Regulation Z (Truth in Lending) -- final amendments to revise disclosure 

requirements for mortgage loans, consistent with recent statutory changes made by 

the Mortgage Disclosure Improvement Act.

- Approved, May 7, 2009

Testimony and Statements

Economic Outlook -- statement by Chairman Bernanke before the Joint Economic 

Committee of the U.S. Congress on recent economic developments and current 

conditions in financial markets.

- Published, May 5, 2009

Enforcement

Bay National Corporation, Lutherville, Maryland -- written agreement with the 

Federal Reserve Bank of Richmond.

- Announced, May 6, 2009

Cache Valley Banking Company, Logan, Utah, and Cache Valley Bank -- cease and 

desist order dated March 20, 2007, terminated April 28, 2009.

- Announced, May 6, 2009

Hometown Bancshares, Inc., Carthage, Missouri -- written agreement with the 

Federal Reserve Bank of Kansas City.

- Announced, May 4, 2009

H.2 Board Actions May 3, 2009 to May 9, 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 3, 2009 to May 9, 2009

Bank Branches, Domestic

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at National Avenue and 

Chestnut Street, Springfield, Missouri.

St. Louis

- Approved, May 8, 2009

SmartBank, Pigeon Forge, Tennessee -- to establish a branch at 7827 Montvue 

Center Way, Knoxville.

Atlanta

- Approved, May 7, 2009

Bank Holding Companies

Banco do Brasil S.A., Brasilia, Brazil -- to engage in money-transmission activities 

through BB Money Transfers, Inc., New York, New York.

New York

- Approved, May 7, 2009

Benchmark Bancorp, Inc., Gahanna, Ohio -- to become a bank holding company and 

to acquire Benchmark Bank, Gahanna.

Cleveland

- Approved, May 3, 2009

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

CrossFirst Holdings, LLC, Overland Park, Kansas -- to become a bank holding 

company and to acquire CrossPoint Bank, Overland Park, and to acquire CrossFirst 

Advisors, LLC, and thereby engage in financial and investment advisory activities 

and management consulting and counseling activities.

Kansas City

- Approved, May 7, 2009

FCB Florida Bancorporation, Inc., Orlando, Florida -- to merge with Anderen 

Financial, Inc., Palm Harbor, and thereby acquire Anderen Bank.

Atlanta

- Withdrawn, May 6, 2009

Jonah Bankshares, Casper, Wyoming -- to become a bank holding company and to 

acquire Jonah Bank, Casper.

Kansas City

- Approved, May 8, 2009

NBT Holdings Inc., Nashville, Tennessee -- to become a bank holding company and 

to acquire Nashville Bank and Trust Company, Nashville.

Atlanta

- Approved, May 8, 2009

Bank Mergers

Bank of Hampton Roads, Norfolk, Virginia -- to merge with Gateway Bank & Trust 

Co., Elizabeth City, North Carolina, and thereby establish a branch.

Richmond

- Approved, May 4, 2009

H.2 Actions under delegated authority May 3, 2009 to May 9, 2009

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

First Commercial Bank of Florida, Orlando, Florida -- to merge with Anderen Bank, 

Palm Harbor, and thereby establish a branch.

Atlanta

- Withdrawn, May 6, 2009

Banks, Foreign

Standard Chartered Bank, London, United Kingdom -- to establish a representative 

office in Houston, Texas.

Director, BS&R

- Approved, May 7, 2009

Extensions of Time

C-B-G, Inc., West Liberty, Iowa -- extension to August 14, 2009, to acquire 

additional shares of Washington Bancorp, Washington, and thereby increase its 

interest in Washington's subsidiary bank, Federation Bank.

Chicago

- Granted, May 7, 2009

Regions Bank, Birmingham, Alabama -- extension to November 7, 2010, to establish 

a branch at 1300 North Collins Street, Arlington, Texas.

Atlanta

- Granted, May 6, 2009

Regions Bank, Birmingham, Alabama -- extension to June 5, 2010, to establish a 

branch at Wentzville Parkway and I-70, Wentzville, Missouri.

Atlanta

- Granted, May 6, 2009

H.2 Actions under delegated authority May 3, 2009 to May 9, 2009

(A/C) = Addition or Correction Delegated - 3 of 4
Extensions of Time

Regions Bank, Birmingham, Alabama -- extension to June 5, 2010, to establish a 

branch at Cottage Hill and Dawes Roads, Mobile. 

Atlanta

- Granted, May 6, 2009

International Operations

BankAmerica International Financial Corporation, San Francisco, California -- 

waiver of remainder of notification period to invest in Montrose Global Capital, LLP, 

London, United Kingdom.

Director, BS&R

- Granted, May 7, 2009

Membership

Nashville Bank and Trust Company, Nashville, Tennessee -- to become a member of 

the Federal Reserve System.

Atlanta

- Approved, May 8, 2009

H.2 Actions under delegated authority May 3, 2009 to May 9, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending May 9, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 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

Newspaper:

Federal Register:

* 3A1 Not available

05/26/2009

Application filed by Dime Mutual Holding 

Company, Norwich, Connecticut to become a 

mutual bank holding company through the 

acquisition of 100% of the voting shares of 

Dime Bank, Norwich, Connecticut, pursuant to 

section 3(a)(1) of the BHC Act.

DIME 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 May 9, 2009

Filer Filing Type Filing Proposal End of Comment Period

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

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A., Las Vegas, Nevada ("Citi") and 

Citibank Overseas Investment Corporation, New 

Castle, Delaware, pursuant to Section 211.9(f) of 

Regulation K, to convert Citi's Gabon branch to a

locally-incorporated Edge Act subsidiary named 

Citibank Gabon S.A., Libreville, Gabon.

CITIBANK, N.A.

Newspaper:

Federal Register:

Not applicable Other Foreign 05/28/2009

The Governor and Company of the Bank of 

Ireland, Dublin, Ireland (the "Applicant") requests 

prior approval of the Board of Governors of the 

Federal Reserve System (the "Board") to establish 

a de novo Edge Act corporation (the "Edge"), to 

be named Bank of Ireland Foreign Exchange 

Corporation, Orlando, Florida, pursuant to Section 

25A of the Federal Reserve Act and Section 

211.5(b) of the Board's Regulation K. Upon 

establishment, Applicant proposes to merge its 

wholly-owned U.S. money transmitter subsidiary 

Foreign Currency Exchange Corp. into the Edge.

GOVERNOR AND COMPANY 

OF THE BANK OF IRELAND, 

THE

Newspaper:

Federal Register:

* 4c8 Not available

05/26/2009

Morgan Stanley, New York, New York, to acquire 

up to 9.9 percent of the outstanding common 

stock of United Western Bancorp, Inc., and its 

subsidiary, United Western Bank, both of Denver, 

Colorado, pursuant to Section 4(c)(8) and 4(j) of 

the BHC Act of 1956, as amended, and Section 

225.24 of Regulation Y.

MORGAN STANLEY

* 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

 66015 BPD BK, NEW YORK, NEW YORK 11/10/2008 04/20/2009 O Whole/Ltd Purp

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 May 9, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Affinity Bancorp, Inc., Wyomissing, PA, to 

become a bank holding company by acquiring 

100 percent of Affinity Bank of Pennsylvania, 

Wyomissing, PA.

AFFINITY BANCORP, INC.

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

 342410 ORRSTOWN BK, SHIPPENSBURG, PENNSYLVANIA 12/01/2008 04/20/2009 O Int Sm 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 May 9, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 05/21/2009

05/14/2009

Interagency Notice of Change in Bank Control 

submitted by the John M. St. Clair, Jr. Trust, 

Irvine, KY (Kathy Dale Samples, Trustee) of its 

intent to retain control of 100% of the 

outstanding voting shares of Citizens Guaranty 

Financial Corporation, Irvine, KY which controls 

Citizens Guaranty Bank, Richmond, KY.

CITIZENS GUARANTY 

FINANCIAL CORPORATION

* 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 May 9, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

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:

Premises Not applicable

Not applicable

Benchmark Community Bank, Kenbridge, 

Virginia, to increase its investment in bank 

premises by $180,000.

BENCHMARK COMMUNITY 

BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Four Oaks Bank & Trust Company, Four Oaks, 06/05/2009

North Carolina, to merge with Nuestro Banco, 

Raleigh, North Carolina.

FOUR OAKS BANK & TRUST 

COMPANY

* 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 May 9, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 05/20/2009

05/12/2009

Prior change in control notice filed by Jessie 

Doyle Buffinton, Helmut Hans Cawthon, 

Kenneth Franklin Davis, Andrew Charles 

Heaner, Clinton Gray Hubbard, Stephen Curtis 

Klasson, Kimberly Gill Mauer, Laura Hallin 

Mumber, Matthew Peter Mumber, Delos Harley 

Yancey, III, John Demetrius Xanthos, all of 

Rome, Georgia, Andrew Charles Heaner, 

Atlanta, Georgia, and Wayne Elm Vick, 

Armuchee, Georgia, collectively to acquire an 

additional 18.78 percent of the outstanding 

shares of Heritage First Bancshares, Inc., Rome, 

Georgia. Total pro forma will equal 37.29 

percent.

HERITAGE FIRST 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Reliant Bank, Brentwood, Tennessee, to 06/05/2009

purchase and assume the assets and liabilities 

of one branch of Magna Bank, Memphis, 

Tennessee.

RELIANT BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 05/15/2009

branch located at 7405 Maple Lawn Blvd., 

Maple Lawn, Maryland to be known as the 

Maple Lawn Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 05/18/2009

branch located at 4850 Wiles Road, Coconut 

Creek, Florida, to be known as the Coconut 

Creek Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 05/15/2009

branches in the following locations: 11225 U.S. 

Highway 301, N., Parrish, Florida, to be known 

as the Parrish Office, and 3501 Vanderburg 

Way, Estero, Florida, to be known as the 

Coconut Trace Office.

SUNTRUST BANK

* 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 May 9, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

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:

* 18C Not available

* Branch Not applicable

Glenwood State Bank, Glenwood, Iowa, to 

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

result of ther 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

Not available

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.

Hantz Holdings, Inc.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Logan County Bank, Lincoln, Illinois, to 

purchase certain assets and assume certain 

liabilities of the 100 W. Elm, Buffalo, Illinois 

branch of Town & Country Bank of Springfield, 

Springfield, Illinois, and thereby to establish a 

branch at 100 W. Elm, Buffalo, Illinois.

LOGAN COUNTY BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Ronald L. Pletsch, McNabb, Illinois, 

individually and as trustee, Sharon L. Johnson, 

McNabb, Illinois, individually and as trustee, 

Roger A. Pletsch, Lostant, Illinois, and Marilyn 

A. Pletsch, McNabb, Illinois, to retain 64.79 

percent of Tonica Bancorp, Inc., Tonica, Illinois, 

and thereby indirectly retain control of Illini 

State Bank, Oglesby, Illinois.

TONICA BANCORP, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Town & Country Bank of Springfield, 

Springfield, Illinois, to merge with Town & 

Country Bank, Buffalo, Illinois, and thereby to 

establish 3 branches.

TOWN & COUNTRY BANK OF 

SPRINGFIELD

* 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

NONE

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 May 9, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice by James M. Smith, Jackson, Tennessee, 05/27/2009

to gain control of Tennessee Central 

Bancshares, Inc., Parsons, Tennessee.

TENNESSEE CENTRAL 

BANCSHARES, 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

 169653 FIRST BK, CREVE COEUR, MISSOURI 08/04/2008 04/13/2009 S Large Bank

 277558 FIRST ST BK OF ST ROBERT, SAINT ROBERT, MISSOURI 01/12/2009 04/21/2009 S Small Bank

 2837059 SOUTHERN BK OF COMMERCE, PARAGOULD, ARKANSAS 01/12/2009 04/21/2009 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 May 9, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 05/20/2009

05/20/2009

Notice by Donna L. Hanson, LeRoy, Minnesota, 

to acquire and retain 25 percent or more of the 

shares of First LeRoy Bancorporation, Inc., 

LeRoy, Minnesota, and thereby indirectly retain 

control of First State Bank Minnesota, LeRoy, 

Minnesota.

FIRST LEROY 

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC Not available

05/26/2009

Notice by Gary R. Howell, Malta, Montana, to 

acquire 25 percent or more of the shares of Milk 

River Banquo, Inc., Malta, Montana, which 

controls Malta Banquo, Inc., Malta, Montana, 

and thereby indirectly gain control of First 

Security Bank of Malta, Malta, Montana and 

Valley Bank of Glasgow, Glasgow, Montana.

MILK RIVER BANQUO, 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 May 9, 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 06/01/2009

05/29/2009

Citizens National Corporation, Wisner, 

Nebraska to acquire up to an additional 2 

percent for a total of 32.7 percent of the voting 

shares of Republic Corporation, parent of 

United Republic Bank, both in Omaha, 

Nebraska.

CITIZENS NATIONAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

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

* 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 May 9, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 05/18/2009

05/01/2009

Notice by Mr. Patrick W. Hopper (as trustee of 

the PWH Trust UTD 3/2/94) of Henderson, 

Nevada, to increase his ownership and control, 

from 9.4 percent to 15.2 percent, of Professional 

Capital, Inc., Dallas, Texas, and indirectly, 

Professional Bank, National Association, Dallas, 

Texas.

PROFESSIONAL CAPITAL, INC.

Newspaper:

Federal Register:

* 3A1 Not available

06/04/2009

Tall City Bancshares, Inc., Midland, Texas, to 

become a bank holding company by acquiring 

100 percent of Kent County State Bank, Jayton, 

Texas.

TALL CITY BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

TIB The Independent BankersBank, Irving, 05/21/2009

Texas, to establish a branch to be located at 

1550 North Brown Road, Suite 150, 

Lawrenceville, Georgia 30043.

TIB THE INDEPENDENT 

BANKERSBANK

* 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 May 9, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

Castle Creek Capital Partners III LP, Castle Creek 06/11/2009

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:

CIC 05/19/2009

05/08/2009

Notice by Don Rhee, Bok Kyung Rhee, and the 

Rhee Family Trust, all of Los Angeles, 

California, to acquire additional voting shares of 

Saehan Bancorp, and thereby indirectly acquire 

additional voting shares of Saehan Bank, both 

of Los Angeles, California.

SAEHAN 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