Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 40 

Week Ending October 3, 2009

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

Financial Regulation -- statement by Governor Tarullo before a subcommittee of the 

Senate Committee on Banking, Housing, and Urban Affairs on the role of 

international cooperation in modernizing financial regulation.

- Published, September 30, 2009

Regulatory Reform -- statement by Chairman Bernanke before the House Committee 

on Financial Services on ways to improve the financial regulatory framework to 

better protect against systemic risks.

- Published, October 1, 2009

Bank Holding Companies

Sandhills Bancshares, Inc., Iraan, Texas -- to become a bank holding company and to 

acquire TransPecos Banks-Iraan, Iraan.

- Approved, September 30, 2009

Regulations and Policies

Regulation Z (Truth in Lending) -- publication for comment of amendments 

to implement certain provisions of the Credit Card Accountability Responsibility and 

Disclosure Act.

- Approved, September 28, 2009

Reserve Bank Operations

Federal Reserve Bank of Minneapolis -- appointment of Narayana Kocherlakota as 

president, effective on or after October 5, 2009.

- Approved, September 29, 2009

H.2 Board Actions September 27, 2009 to October 3, 2009

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

Coastal Financial Corporation, Everett, Washington, and Coastal Community Bank -- 

written agreement with the Federal Reserve Bank of San Francisco.

- Announced, October 1, 2009

First Utah Bank, Salt Lake City, Utah -- written agreement with the Federal Reserve 

Bank of San Francisco.

- Announced, September 29, 2009

H.2 Board Actions September 27, 2009 to October 3, 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

September 27, 2009 to October 3, 2009

Bank Branches, Domestic

1st Source Bank, South Bend, Indiana -- to establish a branch at 120 Sanford School 

Road, Elkhart.

Chicago

- Approved, September 29, 2009

Bank of Bennington, Bennington, Nebraska -- to establish a mobile branch serving 

Douglas County to operate from its main office at 12212 North 156th Street.

Kansas City

- Approved, October 1, 2009

Comerica Bank, Dallas, Texas -- to establish a branch at 1222 North Bishop Avenue, 

and 1701 West 35th Street, Austin.

Dallas

- Approved, September 28, 2009

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 91 Routzahn's Way, Frederick, Maryland.

New York

- Approved, October 2, 2009

Bank Holding Companies

1889 Bancorp MHC, Norwood, Massachusetts, and 1889 Financial Services 

Corporation -- to become a mutual bank holding company and a stock bank holding 

company, respectively, and to acquire Norwood Co-operative Bank, Norwood.

Boston

- Approved, October 1, 2009

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

CB Bancshares, Inc., Topeka, Kansas -- to become a bank holding company and to 

acquire Citizens Bank of Weir, Weir.

Kansas City

- Approved, September 28, 2009

First America Holdings Corporation, Osprey, Florida -- to acquire MRCB Holdings, 

Inc., Palmetto, and thereby operate a savings association.

Atlanta

- Approved, September 30, 2009

Franklin Resources, Inc., San Mateo, California -- to acquire shares of State Bank 

and Trust Company, Pinehurst, Georgia.

San Francisco

- Approved, September 29, 2009

The Sumitomo Trust & Banking Co., Ltd., Osaka, Japan -- to acquire Nikko Asset 

Management Co., Ltd., Tokyo, and thereby indirectly acquire Nikko Asset 

Management Americas, Inc., New York, New York, and thereby engage in 

investment advisory activities.

New York

- Approved, September 29, 2009

Bank Mergers

Union Bank & Trust Company, Evansville, Wisconsin -- to purchase the assets and 

assume the liabilities of the New Glarus and Belleville branches of Amcore Bank, 

National Association, Rockford, Illinois, and thereby establish a branch at 512 State 

Road 69, New Glarus.

Chicago

- Approved, October 1, 2009

H.2 Actions under delegated authority September 27, 2009 to October 3, 2009

(A/C) = Addition or Correction Delegated - 2 of 4
Banks, Foreign

Banque Transatlantique, Paris, France -- to establish a representative office in New 

York, New York.

Director, BS&R

- Approved, October 1, 2009

Change in Bank Control

CCB Financial Corporation, Jonesboro, Georgia -- change in bank control of CCB 

and its subsidiary bank, Community Capital Bank, Jonesboro.

Atlanta

- Permitted, September 29, 2009

Century Bancshares, Inc., Lawrenceburg, Kentucky -- change in bank control of 

Century and its subsidiary bank, Century Bank of Kentucky, Inc., Lawrenceburg 

(two notices).

St. Louis

- Permitted, October 2, 2009

Community First Bancshares, Inc., Union City, Tennessee -- change in bank control 

of Community and its subsidiary bank, First State Bank, Union City.

St. Louis

- Permitted, September 30, 2009

Hatton Bancshares, Inc., Fargo, North Dakota -- change in bank control of Hatton 

and its subsidiary bank, Farmers and Merchants National Bank, Hatton.

Minneapolis

- Withdrawn, September 30, 2009

H.2 Actions under delegated authority September 27, 2009 to October 3, 2009

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

Luana Bancorporation, Luana, Iowa -- change in bank control of Luana and its 

subsidiary thrift, Luana Savings Bank, Luana.

Chicago

- Permitted, October 2, 2009

Macon Banctrust, Inc., Lafayette, Tennessee -- change in bank control of Macon and 

its subsidiary bank, Macon Bank and Trust Company, Lafayette.

Atlanta

- Permitted, October 1, 2009

N.A. Corporation, Roseville, Minnesota -- to retain control of N.A. Corporation and 

its subsidiary bank, North American Banking Company, Roseville.

Minneapolis

- Permitted, September 29, 2009

Extensions of Time

Susquehanna Bank, Hagerstown, Maryland -- extension to April 8, 2010, to establish 

a branch at 201 International Drive, Hunt Valley.

Richmond

- Granted, October 2, 2009

International Operations

The Bank of New York Mellon, New York, New York -- to extend the corporate 

existence and amend the articles of association of its Edge corporation subsidiary, 

Mellon Overseas Investment Corporation, Greenville, Delaware.

New York

- Approved, October 2, 2009

H.2 Actions under delegated authority September 27, 2009 to October 3, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending October 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 October 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citigroup Inc., New York, New York, pursuant to 

Section 211.9(f) of Regulation K, to make an 

additional investment in Tarjetas Banamex, S.A. 

de C.V., Sofom, E.R., Mexico City, Mexico.

CITIBANK, N.A.

Newspaper:

Federal Register:

* 3A3 Not available

10/19/2009

The Goldman Sachs Group, Inc., New York, New 

York, to retain 9.0 percent of the outstanding 

common stock of Atlantic Capital Bancshares, 

Inc., which is the direct parent of Atlantic 

Capital Bank, both of Atlanta, Georgia, pursuant 

to Section 3(a)(3) of the BHC Act of 1956, as 

amended, and Section 225.15 of Regulation Y.

GOLDMAN SACHS GROUP, INC., 

THE

Newspaper:

Federal Register:

* 3A3 Not available

10/19/2009

The Goldman Sachs Group, Inc., New York, New 

York, to retain 9.8 percent of the outstanding 

common stock of Avenue Financial Holdings, 

Inc., which is the direct parent of Avenue Bank, 

both of Nashville, Tennessee, pursuant to 

Section 3(a)(3) of the BHC Act of 1956, as 

amended, and Section 225.15 of Regulation Y.

GOLDMAN SACHS GROUP, INC., 

THE

Newspaper:

Federal Register:

* 3A3 Not available

* 4c8 10/19/2009

The Goldman Sachs Group, Inc., New York, New 

York, to retain 6.6 percent of a class of voting 

securities of Doral Holdings, L.P., and indirectly 

Doral Bank, both of San Juan, Puerto Rico, 

pursuant to Section 3(a)(3) of the BHC Act of 

1956, as amended, and Section 225.15 of 

Regulation Y, and also retain indirect interest in 

Doral Bank, FSB, New York, New York, a federal 

savings association and indirect subsidiary of 

Doral Holdings, L.P., pursuant to Section 4(c)(8) 

and 4(j) of the BHC Act of 1956, as amended 

and Section 225.24 of Regulation Y.

GOLDMAN SACHS GROUP, INC., 

THE

Newspaper:

Federal Register:

* 4c8 Not available

10/19/2009

The Goldman Sachs Group, Inc., New York, New 

York, to retain its interest in The First 

Marblehead Corporation, Boston, 

Massachusetts, which is the parent of Union 

Federal Savings Bank, North Providence, Rhode 

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

the BHC Act of 1956, as amended, and Section 

225.24 of Regulation Y.

GOLDMAN SACHS GROUP, INC., 

THE

* 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 October 3, 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 October 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Notification by Middlefield Banc Corp., 

Middlefield, Ohio to engage de novo in 

activities permissible pursuant to section 4(c)(8) 

of the Bank Holding Company Act and 

225.28(b)(1) and (b)(2)of the Board's Regulation 

Y

MIDDLEFIELD BANC CORP

* 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 October 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/26/2009

CapGen Capital Group LLC, and CapGen Capital 

Group LP, both of New York, New York, to 

increase their investment in The BANKshares, 

Inc., Winter Park, Florida, and its subsidiary, 

BankFIRST, Winter Park, Florida, by 14.4% to a 

total of 36.2%.

CAPGEN CAPITAL GROUP LLC

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Cecil Bank, Elkton, Maryland, to acquire certain 10/26/2009

assets and assume certain liabilities of the Bel 

Air, Maryland, branch of K Bank, Owings Mills, 

Maryland.

CECIL BANK

* 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

 858528 BANK OF MARION, MARION, VIRGINIA 06/01/2009 09/21/2009 S Large Bank

 849432 BANK OF MONROE, UNION, WEST VIRGINIA 06/22/2009 09/23/2009 O Small Bank

 550327 NORTHERN NECK ST BK, WARSAW, VIRGINIA 06/01/2009 09/03/2009 S Large 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 October 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 10/07/2009

establish a branch located at 5576 Grove 

Boulevard, Hoover, Alabama to be known as 

the Highway 150 and I-459 Branch.

COMPASS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 10/13/2009

establish the following branches: 15580 East 

104th Avenue, Commerce City, Colorado, to be 

known as the 104th and Chambers Branch; and 

2640 East Harmony Road, Fort Collins, 

Colorado, to be known as the Front Range 

Village Branch.

COMPASS BANK

Newspaper:

Federal Register:

* 3A3 Not available

09/22/2009

USAmeriBancorp, Inc., Largo, Florida, to 

acquire 49.7 percent of the outstanding voting 

shares of Aliant Financial Corporation, and its 

subsidiary, Aliant Bank, both of Alexander City, 

Alabama.

USAMERIBANCORP, INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Farmers Bank & Trust, Converse, Indiana, 

to merge with Central Bank, Russiaville, Indiana, 

and thereby to establish two branches to be 

located at 160 W. Main Street, Russiaville, 

Indiana and 501 West Lincoln Road, Kokomo, 

Indiana.

FIRST FARMERS BANK & 

TRUST

Newspaper:

Federal Register:

* 3A1 Not available

10/26/2009

Iowa Credit Union League, Clive, Iowa, to 

become a bank holding company by acquiring 

100 percent Affiliates Management Company, 

Clive, Iowa and by Affiliates Management 

Company, Clive, Iowa, to become a bank 

holding company by acquiring 100 percent of 

CrediCard National Bank, Tucson, Arizona.

IOWA CREDIT UNION LEAGUE

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Iowa Credit Union League and Affiliates 

Management Company, both of Clive, Iowa, to 

each directly or indirectly acquire the following 

nonbank companies: The Members Group, Inc.; 

Community Business Lenders, L.L.C.; TMG 

Financial Services, Inc.; Coopera Consulting, 

L.L.C., and Policyworks, L.L.C., all of Clive, 

Iowa, to engage in the activities of data 

processing, activities related to extending credit 

and servicing loans, real estate leasing, financial 

and investment advisory activities, management 

consulting, and community development 

advisory activities.

IOWA CREDIT UNION LEAGUE

Newspaper:

Federal Register:

CIC 10/08/2009

10/14/2009

Notice by Robert D. Fleming, Ipava, Illinois and 

Phyllis A. Fleming, Ipava, Illinois, to retain, as a 

group acting in concert, more than 10 percent of 

the voting shares of ISB Bancshares, Inc., 

Ipava, Illinois, and thereby indirectly retain 

control of Ipava State Bank, Ipava, Illinois.

ISB BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 10/08/2009

10/14/2009

Notice by Joseph J. Dietz, Lewistown, Illinois,

to retain more than 10 percent of the voting 

shares of ISB Bancshares, Inc., Ipava, Illinois, 

and thereby indirectly retain control of Ipava 

State Bank, Ipava, Illinois.

ISB BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

10/09/2009

Notice by TRSD Holdings, LP, Warren, 

Michigan, and its general partner, the Thomas 

Fabbri Revocable Trust, Thomas Fabbri, as 

trustee, Sterling Heights, Michigan, to acquire 

more than 10 percent of the voting shares of 

Level One Bancorp, Inc., Farmington Hills, 

Michigan, and thereby indirectly acquire control 

of Level One Bank, Farmington Hills, Michigan.

LEVEL ONE BANCORP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/30/2009

Notice filed individually by Douglas N. 

Neighbor, Kent M. Neighbor, and Gene R. 

Neighbor to each own 16.122 percent and by the 

Neighbor Family - Doug and Marva Neighbor, 

Marion, Iowa; Gene and Betty Jean Neighbor, 

Alburnett, Iowa, and Kent and Irene Neighbor, 

Winthrop, Iowa, and their children (Sandra K. 

Waring, Walker, Iowa; Steven K. Neighbor, 

Center Point, Iowa; Scott M. Neighbor, Center 

Point, Iowa; Mark A. Neighbor, Center Point, 

Iowa; Eldon L. Neighbor, Central City, Iowa; 

Konnie I. Borrett, Marion, Iowa; Stephanie R. 

Neighbor, Cedar Rapids, Iowa; Brent B. 

Neighbor, Tijeras, New Mexico; Brad D. 

Neighbor, Espanola, New Mexico; Todd D. 

Neighbor, Marion, Iowa; Jason M. 

Neighbor,Alburnett, Iowa; and Michael G. 

Neighbor, Bettendorf, Iowa) as a group acting in 

concert, for approval to retain control of 100 

percent of Neighbor Insurance Agency, Marion, 

Iowa, and thereby indirectly control Farmers 

State Bank, Marion, Iowa.

NEIGHBOR INSURANCE 

AGENCY, 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

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 October 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 123440 EAGLE B&TC, LITTLE ROCK, ARKANSAS 06/01/2009 09/03/2009 S Small Bank

 155777 HEARTLAND CMNTY BK, BRYANT, ARKANSAS 06/08/2009 09/14/2009 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 October 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/21/2009

Retroactive notice by Craig E. Scherber to 

acquire 10 percent or more of the shares of 

American Eagle Financial Corporation, Otsego, 

Minnesota, and thereby indirectly gain control 

of Riverview Community Bank, Otsego, 

Minnesota.

AMERICAN EAGLE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First National Bank of Montana, Inc., Libby, 

Montana, to be known as First Montana Bank, 

Inc., Libby, Montana, proposes to become a 

member of the Federal Reserve System.

FIRST NATIONAL BANK OF 

MONTANA, INC.

Newspaper:

Federal Register:

CIC Not available

10/19/2009

Earl E. Geiger, Bloomington, Minnesota, to 

acquire shares of Heritage Bancshares Group, 

Inc., Willmar, Minnesota, and thus to join the 

Geiger Family Group acting in concert which 

controls over 25 percent of Heritage Bancshares 

Group, Inc. Heritage Bancshares Group, Inc., 

owns Heritage Bank, NA, Spicer, Minnesota, 

and Heritage Bank, NA, Holstein, Iowa.

HERITAGE BANCSHARES 

GROUP, INC.

Newspaper:

Federal Register:

CIC

Not available

Notice by Darin J. Latterall, Kelliher, Minnesota, 10/13/2009

to acquire 25 percent or more of the shares of 

Kelliher Bancshares, Inc., Kelliher, Minnesota, 

and thereby indirectly gain control of Citizens 

State Bank of Kelliher, Kelliher, Minnesota.

KELLIHER BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Belva H. Rasmussen 2009 Grantor Retained 

Annuity Trust, Falcon Heights, Minnesota; and 

Eva B. Rasmussen, Edina, Minnesota; Pamela 

M. Harris, Falcon Heights, Minnesota; and 

Teresa J. Rasmussen Trangsrud, Orono, 

Minnesota, Trustees, to join a group acting in 

concert with Belva H. Rasmussen, individually, 

and with Belva H. Rasmussen, Teresa J. 

Rasmussen Trangsrud and Lyle Delwyche, 

trustees of the Walter C. Rasmussen Marital 

Trust Under Agreement dated December 26, 

1985, and the Walter C. Rasmussen Family Trust 

Under Agreement dated December 26, 1985 

(together, the "Rasmussen Family Group") to 

acquire 25 percent or more of Northeast 

Securities Corporation, Minneapolis, 

Minnesota. Northeast Securities Corporation 

controls Northeast Bank, Minneapolis, 

Minnesota.

NORTHEAST SECURITIES 

CORPORATION

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 October 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Country Club Bank, Kansas City, Missouri, to 09/28/2009

establish a branch at 3680 Akin Drive, Suite 100, 

Lee's Summit, Missouri.

COUNTRY CLUB BANK

* 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 October 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 10/15/2009

10/13/2009

Notice by Mr. Harmon A. Brown, Chicago, 

Illinois, to become independent trustee of the 

LCK 1993 Trust, LCK Dynasty Trust, LCK 

Legacy Trust, the Katz Millennium Trust, and 

LCK Trust #2, and therefore acquire control of 

First Community Bancshares, Inc., Killeen, 

Texas, and indirectly acquire FCBI Delaware 

Inc., Wilmington, Delaware, First National Bank 

Texas, Killeen, Texas, and Fort Hood National 

Bank, Fort Hood, Texas.

FIRST COMMUNITY 

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

 268257 COMMUNITY BK, GRANBURY, TEXAS 06/15/2009 09/28/2009 S Int Sm Bank

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 October 3, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 10/16/2009

10/19/2010

BW Acquisition, LLC, Fountain Green, Utah, to 

become a bank holding company by acquiring 

57.7 percent of Utah Community Bancorp and 

thereby indirectly acquire Utah Community 

Bank, both of Sandy, Utah.

BW ACQUISITION, LLC

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change in Bank Control filed by 

Thomas A. and Maureen Sue Ellison, to acquire 

additional voting shares of Foundation 

Bancorp, Inc., and thereby indirectly acquire 

voting shares of Foundation Bank, all of 

Bellevue, Washington.

FOUNDATION BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

09/22/2009

Franklin Resources, Inc., San Mateo, California, 

to retain 20.4 percent of the voting shares of 

Guaranty Bancorp, and thereby indirectly its 

subsidiary, Guaranty Bank & Trust Company, 

both of Denver, Colorado, pursuant to section 

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

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

CIC

Not available

Notice by Rommel R. Medina and Ruell R. 08/07/2009

Medina, both of San Bruno, California, to 

acquire additional voting shares of MNB 

Holdings Corporation, and indirectly, voting 

shares of Mission National Bank, both of San 

Francisco, California.

MNB HOLDINGS CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

09/25/2009

Private Bancorp of America, Inc., to become a 

bank holding company by acquiring 100 percent 

of San Diego Private Bank, both of La Jolla, 

California.

PRIVATE BANCORP OF 

AMERICA, INC.

* 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