Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 30 

Week Ending July 25, 2009

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

Regulatory Restructuring -- statement by Governor Tarullo before the Senate 

Committee on Banking, Housing, and Urban Affairs on how to improve the financial 

regulatory system and contain systemic risk.

- Published, July 23, 2009

Regulatory Restructuring -- statement by Chairman Bernanke before the House 

Committee on Financial Services on how to improve the financial regulatory system 

and contain systemic risk.

- Published, July 24, 2009

Forms

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

requirements of Regulation P.

- Approved, July 22, 2009

Monetary and Financial Policy

Term Auction Facility -- reduction in the TAF auction amounts to $100 billion in 

84-day credit on August 10 and $100 billion in 28-day credit on August 24, 2009.

- Announced, July 24, 2009

Personnel

Division of Banking Supervision and Regulation -- designation of Esther George, 

executive vice president, Federal Reserve Bank of Kansas City, as acting director.

- Announced, July 20, 2009

Office of Board Members -- appointment of Linda L. Robertson as assistant to the 

Board.

- Announced, July 20, 2009

H.2 Board Actions July 19, 2009 to July 25, 2009

(A/C) = Addition or Correction Board - Page 1 of 3
Regulations and Policies

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

improve disclosures to consumers in connection with closed-end mortgages and 

home equity lines of credit.

- Approved, July 23, 2009

Reserve Bank Operations

Reserve Bank Directors -- appointment of a director of the Federal Reserve Bank of 

New York.

- Approved, July 20, 2009

Enforcement

Bank of Elmwood, Racine, Wisconsin -- issuance of a consent prompt corrective 

action directive against the bank.

- Announced, July 23, 2009

Crescent Banking Company, Jasper, Georgia -- written agreement with the Federal 

Reserve Bank of Atlanta and the Banking Commissioner of the State of Georgia.

- Announced, July 23, 2009

First Flo Corporation, Florence, Colorado -- written agreement with the Federal 

Reserve Bank of Kansas City.

- Announced, July 22, 2009

North Georgia Bancorp, Inc., Watkinsville, Georgia -- written agreement with the 

Federal Reserve Bank of Atlanta.

- Announced, July 20, 2009

H.2 Board Actions July 19, 2009 to July 25, 2009

(A/C) = Addition or Correction Board - Page 2 of 3
Enforcement

PAB Bankshares, Inc., Valdosta, Georgia, and The Park Avenue Bank -- written 

agreement with the Federal Reserve Bank of Atlanta and the Banking Commissioner 

of the State of Georgia.

- Announced, July 20, 2009

H.2 Board Actions July 19, 2009 to July 25, 2009

(A/C) = Addition or Correction Board - Page 3 of 3
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

July 19, 2009 to July 25, 2009

Bank Branches, Domestic

Comerica Bank, Dallas, Texas -- to establish a branch at 1959 East Camelback Road, 

Phoenix, Arizona.

Dallas

- Approved, July 21, 2009

Community First Bank-Chicago, Chicago, Illinois -- to establish a branch at 

9800 South Roberts Road, Palos Hills.

Chicago

- Withdrawn, July 24, 2009

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

branches at Towson Town Center, 825 Dulaney Valley Road, Towson, Maryland, 

and White Marsh Mall, 8200 Perry Hall Boulevard, Nottingham.

New York

- Withdrawn, July 21, 2009

Peapack-Gladstone Bank, Gladstone, New Jersey. -- to establish a branch at 

54 Morris Essex Pike, Summit.

New York

- Approved, July 22, 2009

Bank Holding Companies

Educational Funding of the South, Inc., Knoxville, Tennessee -- to become a bank 

holding company and to acquire Community Bank of the Cumberlands, Jamestown.

Atlanta

- Withdrawn, July 22, 2009

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

Educational Funding of the South, Inc., Knoxville, Tennessee -- to engage in making, 

acquiring, brokering, or servicing loans or other extensions of credit.

Atlanta

- Withdrawn, July 22, 2009

Hulett Bancorp, Hulett, Wyoming -- to acquire The First National Bank of Ekalaka, 

Ekalaka, Montana.

Kansas City

- Approved, July 23, 2009

International Brotherhood of Boilermakers, Iron Ship Builders, Blacksmiths, Forgers 

and Helpers, Kansas City, Kansas -- to acquire shares of Brotherhood Bancshares, 

Inc., Kansas City, and its subsidiary bank, The Brotherhood Bank & Trust Company.

Kansas City

- Approved, July 20, 2009

JJR Holding Company, Inc., Brick, New Jersey -- to acquire First BankAmericano, 

Elizabeth.

Philadelphia

- Withdrawn, July 23, 2009

UnionBanCal Corporation, San Francisco, California -- waiver of application to 

acquire Texas First Bank-Winnie, Winnie, Texas, in connection with the merger of 

Texas First Bank-Winnie and UnionBanCal's subsidiary bank, Union Bank, National 

Association, San Francisco, California.

San Francisco

- Returned, July 24, 2009

H.2 Actions under delegated authority July 19, 2009 to July 25, 2009

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

First Interstate Bank, Billings, Montana -- to merge with The First Western Bank 

Sturgis, Sturgis, South Dakota, and First Western Bank, Wall, and thereby establish 

branches.

Secretary

- Approved, July 21, 2009

Manufacturers and Traders Trust Company, Buffalo, New York -- to acquire the 

loans and assume the deposit liabilities of Waterford Village Bank, Williamsville.

New York

- Withdrawn, July 22, 2009

Change in Bank Control

First Fidelity Bancorp, Inc., Oklahoma City, Oklahoma -- change in bank control of 

First Fidelity and its subsidiary bank, First Fidelity Bank, National Association, 

Oklahoma City.

Kansas City

- Permitted, July 24, 2009

FNB, Inc., Dennison, Ohio -- change in bank control of FNB and its subsidiary bank, 

The First National Bank of Dennison, Ohio.

Cleveland

- Permitted, July 24, 2009

Guaranty Bancorp, Denver, Colorado -- change in bank control of Guaranty and its 

subsidiary bank, Guaranty Bank and Trust Company, Denver.

Philadelphia

- Permitted, July 24, 2009

H.2 Actions under delegated authority July 19, 2009 to July 25, 2009

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

Robinson Bancshares, Inc., Lenox, Georgia -- change in bank control of Robinson 

and its subsidiary bank, Bank of Lenox, Lenox.

Atlanta

- Permitted, July 21, 2009

Extensions of Time

City First Enterprises, Inc., Washington, D.C. -- extension to October 22, 2009, to 

engage in lending and community development activities.

Richmond

- Granted, July 22, 2009

National Bank & Trust Employee Stock Ownership Plan with 401(k) Provisions, La 

Grange, Texas -- extension to October 17, 2009, to acquire additional shares of First 

La Grange Bancshares, Inc., La Grange, and thereby acquire National Bank & Trust.

Dallas

- Granted, July 20, 2009

H.2 Actions under delegated authority July 19, 2009 to July 25, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending July 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 07/27/2009

Application by Conahasset Bancshares, MHC, 

and Conahasset Bancshares, Inc., both of 

Cohasset, Massachusetts, to become a mutual 

bank holding company and stock bank holding 

company, respectively, by acquiring Pilgrim 

Bank, Cohasset, Massachusetts, pursuant to 

sections 3(a)(1) and 3(a)(3) of the Bank Holding 

Company Act of 1956, as amended.

CONAHASSET BANCSHARES 

MHC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 July 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 08/01/2009

Buffalo, New York, request to establish a branch 

office located at 1351 Blair Drive, Odenton, 

Anne Arundel County, Maryland.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 08/06/2009

Buffalo, New York, request to establish a branch 

office located at 300 Park Point Drive, Suite 105, 

Town of Henrietta, Monroe County, New York.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

* 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

 940311 BANCO POPULAR DE PR, SAN JUAN, PUERTO RICO 09/15/2008 05/07/2009 O Large Bank

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 July 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fleetwood Bank, Fleetwood, PA proposes to 08/06/2009

establish a branch office located at 455 Main 

Street, Shoemakersville, PA, pursuant to Section 

9 of the FRA.

FLEETWOOD BANK

Newspaper:

Federal Register:

CIC 08/11/2009

08/12/2009

George G. Levin, Fort Lauderdale, FL, to 

purchase up to 24.2% of the voting shares of 

Nova Financial Holdings, Inc., Berwyn, PA.

NOVA FINANCIAL HOLDINGS, 

INC

* 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 July 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Fifth Third Bank, Cincinnati, OH to merge with 

Fifth Third Bank, Grand Rapids, MI and incident 

thereto establish branches.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Fifth Third Bank, Cincinnati, OH to merge with 

Fifth Third Bank, National Association, 

Nashville, TN and incident thereto establish 

branches.

FIFTH THIRD BANK

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending July 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

First Market Bank, FSB, Richmond, Virginia, to 

become a member of the Federal Reserve 

System upon the conversion to a state 

chartered bank

FIRST MARKET BANK, FSB

Newspaper:

Federal Register:

* 3A1 08/11/2009

08/20/2009

Piedmont Community Bank Holdings, Inc., 

Chapel Hill, North Carolina, to become a bank 

holding company through the acquisition of up 

to 62% of the voting securities of VantageSouth 

Bank, Burlington, North Carolina.

PIEDMONT COMMUNITY BANK 

HOLDINGS, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SuffolkFirst Bank, Suffolk, Virginia, to retain a 08/03/2009

branch at 100 Bosley Avenue, Suffolk, Virginia.

SUFFOLKFIRST 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

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 July 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Caja de Ahorros del Mediterraneo, Alicante, 08/17/2009

Spain, to convert its international bank agency 

into an international bank branch in Miami, 

Florida.

CAJA DE AHORROS DEL 

MEDITERRANEO

Newspaper:

Federal Register:

* Branch

Not applicable

Central State Bank, Calera, Alabama, to 08/01/2009

establish a branch located at 71 Limestone 

Parkway, Calera, Alabama.

CENTRAL STATE 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 July 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/14/2009

C-B-G, Inc., West Liberty, Iowa, to acquire up to 

$5,000,000 in additional stock and increase its 

ownership to up to 50.01 percent of 

Washington Bancorp, Washington, Iowa, and 

thereby indirectly increase its ownership of 

Federation Bank, Washington, Iowa.

C-B-G, 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

 23045 WEST MI B&TC, FRANKFORT, MICHIGAN 03/30/2009 07/16/2009 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending July 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Centennial Bank, Conway, Arkansas, to 

establish a mobile branch in Saline County, 

Arkansas.

CENTENNIAL BANK

Newspaper:

Federal Register:

CIC 07/29/2009

07/13/2009

Notice by Charles B. Edel, Trustee of the 

Charles B. Edel Trust, and Suzanne Edel, 

Trustee of the Suzanne Edel Trust, both of 

Springfield, Missouri, acting in concert to 

increase control of Citizens National Bancorp, 

Inc., Springfield, Missouri.

CITIZENS NATIONAL 

BANCORP, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Southern Bancorp Bank of Arkansas, 08/25/2009

Arkadelphia, Arkansas, to merge with Southern 

Bancorp Bank, Ruleville, Mississippi, and to 

retain the acquired facilities as branch offices.

SOUTHERN BANCORP BANK OF 

ARKANSAS

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Southern Bancorp Bank of Arkansas, 08/25/2009

Arkadelphia, Arkansas, to merge with Southern 

Bancorp Bank, N. A., West Helena, Arkansas, 

and to retain the acquired facilities as branch 

offices.

SOUTHERN BANCORP BANK OF 

ARKANSAS

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending July 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

State Bank of Hawley Employee Stock 

Ownership Plan and Trust, Hawley, Minnesota, 

to acquire 51.92% of Bankshares of Hawley, 

Inc., Hawley, Minnesota, and thereby indirectly 

acquire State Bank of Hawley, Hawley, 

Minnesota.

STATE BANK OF HAWLEY 

EMPLOYEE STOCK OWNERSHIP 

PLAN & TRUST

* 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

 685555 COMMUNITY BK, RONAN, MONTANA 03/30/2009 07/16/2009 O Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending July 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

4c8

08/14/2009

08/13/2009

Central Bancorp, Inc., Colorado Springs, 

Colorado, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Farmers and Stockmens Bank 

of Clayton, Clayton, New Mexico. Central 

Bancorp, Inc., Colorado Springs, Colorado, to 

acquire 100 percent of the voting shares of The 

Citizens National Bank of Akron, Akron, 

Colorado. Central Bancorp, Inc., Colorado 

Springs, Colorado, to engage in extending credit 

and servicing of loans through the retention of 

Elite Properties of America II, Inc., Colorado 

Springs, Colorado. Central Bancorp, Inc., 

Colorado Springs, Colorado, to engage in 

extending credit and servicing of loans through 

the retention of CB&T Mortgage, LLC, 

Colorado Springs, Colorado. Central Bancorp, 

Inc., Colorado Springs, Colorado, to engage in 

trust activities through the retention of 

Corundum Trust Company, LLC, Sioux Falls, 

South Dakota. Central Bancorp, Inc., Colorado 

Springs, Colorado, to engage in financial and 

investment advisory activities through the 

retention of CB&T Wealth Management, Inc., 

Colorado Springs, Colorado.

CENTRAL BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 06/28/2009

06/29/2009

Hulett Bancorp, Hulett, Wyoming to acquire 100 

percent of the voting shares of The First 

National Bank of Ekalaka, Ekalaka, Montana.

HULETT BANCORP

Newspaper:

Federal Register:

* 3A1 08/02/2009

08/07/2009

Tri Valley Bancshares, Inc., Lincoln, Nebraska, 

to become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Tri-Valley Bank, Talmage, Nebraska.

TRI VALLEY BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Union State Bank, Everest, Kansas, to merge 08/12/2009

with Bank of Gower, Gower, Missouri, and 

incident thereto to establish a branch, and to 

operate under the title of Union State Bank, 

Everest, Kansas.

UNION STATE BANK OF 

EVEREST, THE

* 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

 736550 UNION ST BK, EVEREST, KANSAS 04/06/2009 07/21/2009 S Small Bank

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 July 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

08/20/2009

Community Trust Financial Corporation, 

Ruston, Louisiana, to acquire by merger First 

Louisiana Bancshares, Inc., Shreveport, 

Louisiana, and indirectly acquire First 

Louisiana Bank, Shreveport, Louisiana.

COMMUNITY TRUST 

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Texas First Bank, Texas City, Texas, to merge 

with affiliate Texas First Bank-Winnie, Winnie, 

Texas, and to establish branches at the 

following locations: 210 Highway 124, Winnie, 

Texas 77665; 519 Rollingbrook Drive, Baytown, 

Texas 77521; and Highway 124 and F.M. 365, 

Fannett, Texas 77705.

TEXAS FIRST BANK

* 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 July 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/24/2009

Castle Creek Capital Partners III, L.P., Castle 

Creek Capital III LLC, Eggemeyer Capital LLC, 

Ruh Capital LLC, and Legions IV Advisory 

Corp., all of Rancho Santa Fe, California, to 

increase from 40.3 percent up to 55.0 percent 

their ownership of First Chicago Bancorp and 

indirectly First Chicago Bank and Trust 

Company, both of Chicago, Illinois, pursuant to 

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

Act.

CASTLE CREEK CAPITAL 

PARTNERS III, L.P.

Newspaper:

Federal Register:

CIC Not available

Not available

Dante B. Benedetti, Petaluma, California, and 

James M. Ryan, Santa Rosa, California, to 

become trustees of the Frank P. Doyle Trust, 

Article IX, and thereby retain voting control of 

Exchange Bank, both of Santa Rosa, California.

FRANK P. DOYLE TRUST, 

ARTICLE IX

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:

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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act