Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 25 

Week Ending June 20, 2009

Board of Governors of the Federal Reserve System, Washington, DC 20551
Monetary and Financial Policy

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

on June 15, 2009.

- Announced, June 15, 2009

Regulations and Policies

Credit Card Plans -- annual report to Congress on the profitability of credit card 

operations of depository institutions.

- Approved, June 15, 2009

Enforcement

First National Bancshares, Inc., Spartanburg, South Carolina -- written agreement 

with the Federal Reserve Bank of Richmond.

- Announced, June 18, 2009

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

Reserve Bank of San Francisco and the State of California Department of Financial 

Institutions.

- Announced, June 18, 2009

H.2 Board Actions June 14, 2009 to June 20, 2009

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

June 14, 2009 to June 20, 2009

Bank Branches, Domestic

Capital City Bank, Tallahassee, Florida -- to establish a branch at 4449 Meandering 

Way, Tallahassee.

Atlanta

- Approved, June 17, 2009

Commercial Bank, Harrogate, Tennessee -- to establish a branch at 1072 East Stone 

Drive, Kingsport.

Atlanta

- Approved, June 18, 2009

EagleBank, Bethesda, Maryland -- to establish a branch at 12505 Park Potomac 

Avenue, Potomac.

Richmond

- Approved, June 17, 2009

First Interstate Bank, Billings, Montana -- to establish a branch at 2601 10th Avenue 

South, Great Falls.

Secretary

- Approved, June 16, 2009

Monarch Bank, Chesapeake, Virginia -- to establish a branch at 2520 South Croatan 

Highway, Nags Head, North Carolina.

Richmond

- Approved, June 17, 2009

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

Biscayne Bancshares, Inc., Coconut Grove, Florida -- relief from a commitment.

Atlanta

- Granted, June 17, 2009

First Grayson Bancshares, Inc. Employee Stock Ownership Plan and Trust, 

McGregor, Texas, and First Grayson Bancshares, Inc. -- to acquire The Roxton 

Corporation Employee Stock Ownership Plan and Trust, McGregor, and thereby 

indirectly acquire The Roxton Corporation and its subsidiary bank, The First Bank, 

Roxton.

Dallas

- Approved, June 18, 2009

Lake Shore Wisconsin Corporation, Sheboygan, Wisconsin -- to become a bank 

holding company and to acquire Hiawatha Bancshares, Inc., Hager City, and thereby 

indirectly acquire its subsidiary bank, Hiawatha National Bank.

Minneapolis

- Approved, June 15, 2009

Merchants Bancorp, Inc., Hillsboro, Ohio -- waiver of application to acquire CB 

Bancorp, Higginsport, in connection with the merger of their respective subsidiary 

banks, Merchants National Bank, Hillsboro, and Citizens Bank of Higginsport.

Cleveland

- Returned, June 18, 2009

NewStar Financial, Inc., Boston, Massachusetts -- to become a bank holding 

company and to acquire Southern Commerce Bank, National Association, Tampa, 

Florida.

Boston

- Withdrawn, June 15, 2009

H.2 Actions under delegated authority June 14, 2009 to June 20, 2009

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

Southern Missouri Bancorp, Inc., Poplar Bluff, Missouri -- to acquire Southern Bank 

of Commerce, Paragould, Arkansas.

St. Louis

- Approved, June 17, 2009

Three Shores Bancorporation, Inc., Orlando, Florida -- to become a bank holding 

company and to acquire Seaside National Bank & Trust, Orlando.

Atlanta

- Approved, June 19, 2009

Change in Bank Control

Cedar Bancorp, Hartington, Nebraska -- to retain control of Cedar Bancorp and its 

subsidiary bank, Bank of Hartington, Hartington.

Kansas City

- Permitted, June 15, 2009

Peoples-Marion Bancorp, Inc., Marion, Kentucky -- change in bank control of 

Peoples-Marion and its subsidiary bank, The Peoples Bank, Marion.

St. Louis

- Permitted, June 19, 2009

Premier Bancshares, Inc., McKinney, Texas -- change in bank control of Premier and 

its subsidiary bank, Synergy Bank, SSB, McKinney.

Dallas

- Withdrawn, June 15, 2009

H.2 Actions under delegated authority June 14, 2009 to June 20, 2009

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

River Valley Bancorp, Inc., Davenport, Iowa -- change in bank control of River 

Valley and its subsidiary banks, Valley Bank, Moline, Illinois; Freedom Bank, 

Sterling; and Valley Bank, Fort Lauderdale, Florida.

Chicago

- Permitted, June 17, 2009

Financial Holding Companies 

Community Bancorp, Inc., Chanute, Kansas -- election to become a financial holding 

company.

Kansas City

- Effective, June 18, 2009

First Commonwealth Financial Corporation, Indiana, Pennsylvania -- election to 

become a financial holding company.

Cleveland

- Effective, June 18, 2009

Membership

Peoples Bank & Trust Company of Hazard, Hazard, Kentucky -- to become a 

member of the Federal Reserve System.

Cleveland

- Approved, June 18, 2009

H.2 Actions under delegated authority June 14, 2009 to June 20, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending June 20, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 Not available

Application filed by NewStar Holdco, Boston, 

Massachusetts (HoldCo) to become a bank 

holding company through the acquisition of 

100% of the outstanding common stock of 

Southern Commerce Bank, National 

Association, Tampa, Florida, pursuant to 

section 3(a)(1) of the Bank Holding Company 

Act of 1956, as amended (BHC Act). 

Concurrently, HoldCo seeks approval to: i) 

continue to operate NewStar Financial, Inc. as 

an existing commercial finance company; and ii) 

establish NewStar Asset Management, LLC to 

provide asset management services to NewStar 

Credit Opportunities Fund, both pursuant to 

section 4(c)(8) of the BHC Act.

NEWSTAR HOLDCO INC

* 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

 816304 MARBLEHEAD BK, MARBLEHEAD, MASSACHUSETTS 02/17/2009 05/11/2009 O Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending June 20, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A., Las Vegas, Nevada and Citibank 

Overseas Investment Corporation, New Castle, 

Delaware, pursuant to Section 211.9(f) of 

Regulation K, to make an additional investment 

in Citibank Savings, Inc., Quezon City, 

Philippines.

CITIBANK, N.A.

Newspaper:

Federal Register:

* 3A3 07/09/2009

07/06/2009

Tompkins Financial Corporation, Ithaca, New 

York, to acquire 6.85 percent of Darien 

Rowayton Bank, Darien, Connecticut, pursuant 

to Section 3(a)(3) of the Bank Holding Company 

Act of 1956, as amended and Section 225.15 of 

Regulation Y.

TOMPKINS 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 June 20, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 June 20, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Commercial & Savings Bank of Millersburg, 06/25/2009

Millersburg, OH to establish a branch at 330 

West High Street, Orrville, OH.

COMMERCIAL AND SAVINGS 

BANK OF MILLERSBURG, OHIO, 

THE

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notices of Change in Bank Control 

filed by the following immediate family members 

of the Hillyer Family Control Group and related 

controlling interests: Hudson Hillyer, Hudson 

Hillyer Trust (Hudson Hillyer, Trustee),Marie 

Hillyer Trust (Hudson Hillyer, Trustee), Carole 

Hillyer, Majorie Shelley, David Shelley, Blair 

Hillyer, Brad Hillyer, Beth Hillyer, Rebecca 

Hillyer, Brett Hillyer, Aaron Hillyer, Alec Hillyer, 

Katherine Hillyer, Jacob Hillyer, and The Clay 

City Pipe Company, Uhrichsville, Ohio; The 

Bowerston Shale Company, Bowerston, Ohio, 

and Fab Ohio, Uhrichsville, Ohio; to acquire 10 

percent or more of the outstanding voting 

shares of FNB, Inc., Dennison, OH

FNB, INC.

* 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 June 20, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

4c8

07/15/2009

07/10/2009

Army and Air Force Mutual Aid Association, 

Ft. Myer, Virginia, and Armed Forces Bank 

Holding Company, Reston, Virginia, to become 

bank holding companies through the 

acquisition of 100% of the voting securities of 

Armed Forces Bank, National Association, Fort 

Leavenworth, Kansas, and Armed Forces Bank 

of California, National Association, San Diego, 

California.

Army and Air Force Mutual Aid 

Association

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

The Bank of Monroe, Union, West Virginia, 

proposes to purchase 1.56 acres in Fairlea, West 

Virginia for the purpose of developing the 

property as a branch at some future date and to 

increase its investment in bank premises by 

$325,000.

The Bank of Monroe

* 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 June 20, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/06/2009

06/26/2009

After-the-fact notification filed by Dr. H.J. 

Merritt, Ruth D. Merritt, and Melanie Williams, 

all of Colquitt, Georgia, and Marianne Melton, 

Damascus, Georgia, to retain 12.76 percent of 

the outstanding shares of PeoplesSouth 

BancShares, Inc., and its subsidiary, 

PeoplesSouth Bank, both of Colquitt, Georgia.

PEOPLESSOUTH BANCSHARES, 

INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 680130 CITIZENS TR BK, ATLANTA, GEORGIA 02/09/2009 05/28/2009 O Int Sm Bank

 3635533 FRANKLIN SYNERGY BK, FRANKLIN, TENNESSEE 12/01/2008 05/31/2009 S Small Bank

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 June 20, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

07/09/2009

Notice by Mark H. Wright, Freeport, Illinois and 

Todd M. Wright, Caledonia, Illinois, as 

individuals, and as a group acting in concert 

with James H. Wright and Luanne S. Wright, 

both of Longboat Key, Florida, to acquire 25 

percent or more of the voting shares of Freeport 

Bancshares, Inc., Freeport, Illinois, and thereby 

indirectly acquire control of Midwest 

Community Bank, Freeport, Illinois.

FREEPORT 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:

* 3A3 Not available

Not available

Prairieland Bancorp Employee Stock Ownership 

Plan and Trust, Bushnell, Illinois, to increase its 

ownership to 48.01 percent of Prairieland 

Bancorp, Inc., Bushnell, Illinois, and thereby 

indirectly increase its ownership of Merchants 

and Farmers State Bank of Bushnell, Bushnell, 

Illinois.

PRAIRIELAND BANCORP 

EMPLOYEE STOCK OWNERSHIP 

PLAN AND TRUST

Newspaper:

Federal Register:

* 3A1 Not available

07/10/2009

Van Financial Corp., Breda, Iowa, to become a 

bank holding company by acquiring at least 80 

percent of Breda Savings Bank, Breda, Iowa.

VAN FINANCIAL CORP

* 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

 1007846 FIRST MIDWEST BK, ITASCA, ILLINOIS 08/04/2008 05/28/2009 O Large 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 June 20, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 06/24/2009

establish a branch facility to be located at 5621 

North Classen Boulevard, Oklahoma City, 

Oklahoma.

ARVEST BANK

* 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 June 20, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch

* 18C

* Branch

Not applicable

First Interstate Bank, Billings, Montana, to 

merge with First Western Bank, Wall, South 

Dakota, and The First Western Bank Sturgis, 

Sturgis, South Dakota, and incident thereto, 

proposes to establish 15 branches.

FIRST INTERSTATE BANK

Newspaper:

Federal Register:

CIC 06/17/2009

06/17/2009

Notice by the Donald A. Hanson Family Trust, 

Donna L. Hanson, LeRoy, Minnesota, 

individually and as trustee of the Family Trust, 

Jeanie Rae Thorson, Rochester, Minnesota, as 

trustee of the Family Trust, Barbara Kay 

Billings, Cresco, Iowa, as trustee of the Family 

Trust, and Kristi Jo Jacobson, Cannon Falls, 

Minnesota, as trustee of the Family Trust, a 

group acting in concert 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

06/29/2009

Notice by Richard Jordahl, Fargo, North Dakota, 

to acquire 25 percent or more of the shares of 

Hatton Bancshares, Inc., Fargo, North Dakota, 

and thereby indirectly gain control of Farmers 

and Merchants National Bank, Hatton, North 

Dakota.

HATTON BANCSHARES, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending June 20, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice submitted by David Carpenter, Chandler, 

Oklahoma, as trustee of the Lynda L. Cameron 

2005 Family Trust, the William M. Cameron 2004 

Family Trust, and the Lynda L. Cameron Trust 

B, to acquire control of First Fidelity Bancorp, 

Inc., Oklahoma City, Oklahoma, and thereby 

indirectly acquire control of First Fidelity Bank, 

N.A., Oklahoma City, Oklahoma.

FIRST FIDELITY BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

07/07/2009

Notice submitted by B. Dirk Bagenstos and 

Lesley D. Bagenstos, Cherokee, Oklahoma, to 

acquire control of First Keyes Bancshares, Inc., 

parent of The First State Bank, both of Keyes, 

Oklahoma.

FIRST KEYES BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

The First State Bank, Lincoln, Nebraska, to 07/03/2009

merge with Filley Bank, Filley, Nebraska and 

incident thereto to establish a branch, and to 

operate under the title of First State Bank, 

Lincoln, Nebraska.

FIRST STATE BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notification submitted by Richard Kevin Chase, 

Derby, Kansas; and Peter Cran Chase, 

Eastborough, Kansas, to acquire control of First 

Team Resources Corporation, Derby, Kansas, 

and indirectly acquire control of First Fidelity 

Bank, N.A., Oklahoma City, Oklahoma.

FIRST TEAM RESOURCES 

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 June 20, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Austin Bancshares, Inc., Austin, Texas, to 

become a bank holding company by acquiring 

100 percent of La Grange Bancshares, Inc., La 

Grange, Texas, and indirectly acquire Colorado 

Valley Bank, SSB, La Grange, Texas.

AUSTIN BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Mr. James Edward Baxter, II, Richmond, Virginia, 

to acquire an interest in Premier Bancshares, 

Inc., McKinney, Texas, and indirectly acquire 

Synergy Bank, SSB, McKinney, Texas.

PREMIER 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 June 20, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

06/25/2009

Franklin Resources, Inc., San Mateo, California, 

to acquire 9.9 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:

* 3A3 Not available

07/06/2009

Pacific International Bancorp, Seattle, 

Washington, to acquire up to 9.9 percent of 

Center Financial Corporation and thereby 

indirectly acquire Center Bank, both of Los 

Angeles, California.

PACIFIC INTERNATIONAL 

BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

07/06/2009

Notice by Donald and Donna Nelson, to retain 

10.9 percent of State Bank Corp., and indirectly 

its subsidiary, Mohave State Bank, both of Lake 

Havasu City, Arizona.

STATE BANK CORP.

* 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

 1471577 AMERICAN SCTY BK, NEWPORT BEACH, CALIFORNIA 02/17/2009 06/08/2009 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act