Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 15 

Week Ending April 10, 2010

Board of Governors of the Federal Reserve System, Washington, DC 20551
Personnel

Division of Monetary Affairs -- appointment of Fabio M. Natalucci, Margaret 

DeBoer, William F. Bassett, Jane E. Ihrig, and J. David Lopez-Salido as assistant 

directors and Mary Hoffman as adviser, effective April 11, 2010.

- Announced, April 9, 2010

Enforcement

Atlantic Southern Financial Group, Inc., Macon, Georgia -- written agreement with 

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

Georgia.

- Announced, April 6, 2010

Citizens Bancshares of Woodville, Inc., Hudson, Wisconsin -- written agreement 

with the Federal Reserve Bank of Minneapolis.

- Announced, April 5, 2010

FCB Florida Bancorporation, Inc., Orlando, Florida, and First Commercial Bank of 

Florida -- written agreement with the Federal Reserve Bank of Atlanta and the State 

of Florida, Office of Financial Regulation.

- Announced, April 7, 2010

Rosemount Financial Services, Inc., Rosemount, Minnesota -- written agreement 

with the Federal Reserve Bank of Minneapolis.

- Announced, April 8, 2010

H.2 Board Actions April 4, 2010 to April 10, 2010

(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

April 4, 2010 to April 10, 2010

Bank Holding Companies

Hantz Holdings, Inc., Southfield, Michigan -- to become a bank holding company 

and to acquire Davison State Bank, Davison, and to acquire Tranex Financial, Inc., 

Southfield, and thereby engage in making and servicing loans.

Chicago

- Approved, April 5, 2010

Change in Bank Control

Benchmark Bancorp, Inc., Gahanna, Ohio -- change in bank control of Benchmark 

and its subsidiary bank, Benchmark Bank, Gahanna.

Cleveland

- Permitted, April 5, 2010

Citizens Bancshares, Inc., Somerset, Kentucky -- change in bank control of Citizens 

and its subsidiary bank, The Citizens National Bank of Somerset, Somerset (two 

notices).

Secretary

- Permitted, April 8, 2010

First State Bancorp, Inc., Caruthersville, Missouri -- change in bank control of First 

State and its subsidiary bank, First State Bank and Trust Company, Inc., 

Caruthersville.

St. Louis

- Permitted, April 5, 2010

(A/C) = Addition or Correction Delegated - 1 of 2
Change in Bank Control

Woodlands Financial Service Company, Williamsport, Pennsylvania -- to retain 

control of Woodlands and its subsidiary bank, Woodlands Bank, Williamsport.

Philadelphia

- Permitted, April 8, 2010

Extensions of Time

Stockgrowers State Bank Employee Stock Ownership Plan, Ashland, Kansas -- 

extension to July 7, 2010, to acquire additional shares of Stockgrowers Banc 

Corporation, Ashland, and its subsidiary banks, Stockgrowers State Bank of Ashland, 

and Peoples Bank, Coldwater.

Kansas City

- Granted, April 7, 2010

Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on March 16, 2010.

FOMC

- Published, April 6, 2010

H.2 Actions under delegated authority April 4, 2010 to April 10, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending April 10, 2010

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 April 10, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

05/07/2010

American Community Bancorp Inc., to become a 

bank holding company by acquiring 100 percent 

of American Community Bank, both of Glen 

Cove, New York.

AMERICAN COMMUNITY 

BANCORP INC.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

American Express Company and American 

Express Travel Related Services Company, Inc., 

both of New York, New York, request 

permission to continue to hold an investment in 

Swiss Bankers Prepaid Services AG, 

Grosshöchstetten, Switzerland ("SBPS"), upon 

the conversion of SBPS from a nonbanking 

subsidiary to a foreign bank.

AMERICAN EXPRESS 

COMPANY

Newspaper:

Federal Register:

* 18C Not available

Not applicable

The Bank of New York Mellon, New York, New 

York, to assume certain deposit liabilities of 

Arcus Bank, Salt Lake City, Utah, pursuant to 

Section 18(c) of the Federal Deposit Insurance 

Act.

BANK OF NEW YORK MELLON 

CORPORATION, THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Fortis Bank (Nederland) N.V., Amsterdam, 

Netherlands, to establish a representative office 

in New York, New York, pursuant to Section 

10(a) of the International Banking Act of 1978, 

as amended, and Section 211.24(a)(1) of 

Regulation K.

FORTIS BANK NEDERLAND NV

Newspaper:

Federal Register:

* 3A3 Not available

04/28/2010

Goldman Sachs Group, Inc., New York, New 

York, to acquire 24.9 percent of SKBHC 

Holdings LLC, Corona del Mar, California, 

which is applying to become a bank holding 

company, and thereby indirectly acquire 

Starbuck Bancshares, Inc. and The First 

National Bank of Starbuck, both of Starbuck, 

Minnesota.

GOLDMAN SACHS GROUP, INC., 

THE

Newspaper:

Federal Register:

* 3A3 Not available

04/26/2010

Morgan Stanley, New York, New York, to 

acquire 100 percent of Morgan Stanley Private 

Bank, N.A. ("MS Private Bank"), Jersey City, 

New Jersey, pursuant to Section 3(a)(3) of the 

Bank Holding Company Act and Section 225.15 

of Regulation Y, that will be created from 

converting Morgan Stanley Trust, Jersey City, 

New Jersey, into a national bank. MS Private 

Bank will assume certain deposit liabilities of 

Morgan Stanley Bank, N.A., Salt Lake City, 

Utah and will be relocated to Purchase, New 

York.

MORGAN STANLEY

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 3

Federal Reserve Bank of Philadelphia

Filings received during the week ending April 10, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8

* 18C

* 3A3

04/26/2010

03/25/2010

Bryn Mawr Bank Corporation, Bryn Mawr, PA, 

to acquire First Keystone Financial, Inc., Media, 

PA, pursuant to Section 4(c)(8) of the Bank 

Holding Company Act.

BRYN MAWR BANK 

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

04/09/2010

Tower Bancorp, Inc., Harrisburg, PA, to acquire 

First Chester County Corporation, West 

Chester, PA.

TOWER BANCORP 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 April 10, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending April 10, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

05/10/2010

CapGen Capital Group III LLC, and CapGen 

Capital Group III LP, both of New York, New 

York, to increase their investment in Seacoast 

Banking Corporation of Florida, Stuart, Florida, 

and its subsidiary, Seacoast National Bank, 

Stuart, Florida, from 10.2% to more than 50%.

CAPGEN CAPITAL GROUP III LP

Newspaper:

Federal Register:

CIC Not available

Not available

David Muldrow Beasley, Society Hill, South 

Carolina, to individually retain 27.05% of the 

voting shares of First Carolina Bancshares 

Corporation, Darlington, South Carolina. 

Additionally, David Muldrow Beasley, Henry 

Wesley Beasley, Richard Lewis Beasley, and 

Richard Lee Beasley, as a group acting in 

concert, to retain 71.04% of the voting shares of 

First Carolina Bancshares Corporation, 

Darlington, South Carolina.

FIRST CAROLINA 

BANCSHARES CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Frederick County Bank, Frederick, Maryland, to 04/20/2010

establish a branch at 103 Monocacy Boulevard, 

Ferederick Maryland.

FREDERICK COUNTY 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 April 10, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

05/10/2010

Ovation Holdings, Inc., Naples, Florida, to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of 

National Bank of Southwest Florida, Port 

Charlotte, Florida.

OVATION HOLDINGS, INC.

Newspaper:

Federal Register:

CIC 02/08/2010

02/09/2010

Prior change in control notice filed by Marty E. 

Adams, Salineville, Ohio; Kevin T. Thompson, 

Saint Augustine, Florida; and John S. Loeber, 

Travelers Rest, South Carolina; to acquire 

control of Palm Bancorp, Inc., and its subsidiary 

bank, The Palm Bank, both of Tampa, Florida.

PALM BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 04/25/2010

05/08/2010

Validus Holdings, LLLP, Tampa, Florida, to 

become a bank holding company by acquiring 

up to 40 percent of the outstanding shares of 

GulfShore Bancshares, Inc., and its subsidiary, 

GulfShore Bank, both of Tampa, Florida.

VALIDUS HOLDINGS, LLLP

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending April 10, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Ames Community Bank, Ames, Iowa, to merge 04/02/2010

with VisionBank of Iowa, Grimes, Iowa. As a 

result of the merger, Ames Community Bank, 

will establish a branch office at 925 Gateway 

Drive, Grimes, Iowa.

AMES COMMUNITY BANK

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

Not available

Hometown Community Bancorp, Inc. and 

Hometown Community Bancorp, Inc. Employee 

Stock Ownership Plan and Trust, both located 

in Morton, Illinois, to merge with TSB Financial, 

Inc., Tremont, Illinois, and thereby indirectly 

acquire Tremont Savings Bank, Tremont, 

Illinois, and the related application by Morton 

Community Bank, Morton, Illinois, to merge 

with Tremont Savings Bank, Tremont, Illinois, 

and thereby to establish two branches.

HOMETOWN COMMUNITY 

BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

03/30/2010

Notice by Gaetano M. Cecchini, Canton, Ohio, 

as trustee of the Gaetano Mattioli Cecchini 

Living Trust, Canton, Ohio, to acquire 50 

percent or more of the voting shares of 

Southport Financial Corporation, Kenosha, 

Wisconsin, and thereby indirectly acquire 

Southport Bank, Kenosha, Wisconsin.

SOUTHPORT FINANCIAL 

CORPORATION

* 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 April 10, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/05/2010

04/21/2010

Notice by Southern Missouri Savings Bank 

Employee Stock Ownership Plan (Rebecca J. 

Brooks, L. Douglas Bagby, and Samuel H. Smith 

as trustees), Poplar Bluff, Missouri, to gain 

control of Southern Missouri Bancorp, Inc., 

Poplar Bluff, Missouri.

SOUTHERN MISSOURI 

BANCORP, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending April 10, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/15/2010

04/12/2010

Notice by Dennis and Terri Brazier, Greenbush, 

Minnesota, to gain control of Border 

Bancshares, Inc., Greenbush, Minnesota, and 

thereby indirectly gain control of Border State 

Bank, Greenbush, Minnesota. In addition, 

notice by the Vivian Y. Miller Revocable Trust, 

Roseau, Minnesota; Vivian Y. Miller, Naples, 

Florida, as trustee of the Vivian Y. Miller 

Revocable Trust; the Michael J. Miller Trust, 

Roseau, Minnesota; Jon L. Miller, Naples, 

Florida, individually and as trustee of the Vivian 

Y. Miller Revocable Trust and the Michael J. 

Miller Trust; the William I. Hagen Revocable 

Trust, Roseau, Minnesota; William I. Hagen, 

Warroad, Minnesota, individually and as 

trustee of the William I. Hagen Revocable Trust; 

William M. Hagen, Salol, Minnesota; Lori Ann 

Minard, Bozeman, Montana; Melissa L. 

Tedford, Fargo, North Dakota; Neal L. Broten, 

River Falls, Wisconsin; Sally T. Broten, River 

Falls, Wisconsin; Susan L. Miller, Minneapolis, 

Minnesota; and Brian J. MacLellan, 

Minneapolis, Minnesota, as a group acting in 

concert to acquire and retain control of Border 

Bancshares, Inc., Greenbush, Minnesota, and 

thereby indirectly acquire and retain control of 

Border State Bank, Greenbush, Minnesota.

BORDER BANCSHARES, INC.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

TCF National Bank, Wayzata, Minnesota, 

through TCF Bank International, Wayzata, 

Minnesota, an edge corporation, is proposing 

to increase its investment in a foreign 

organization, TCF Commercial Finance Canada, 

Inc., Oakville, Canada, to $173,027,000.

TCF BANK INTERNATIONAL, 

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 April 10, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

First State Bank, Lincoln, Nebraska, to purchase 04/17/2010

certain assets and assume certain liabilities of 

Farmers Bank, Lincoln, Nebraska and De Witt 

State Bank, De Witt, Nebraska. As a result, all 

offices of Farmers Bank and De Witt State Bank 

will become branches of First State Bank.

FIRST STATE 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 April 10, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish three 

branches at the following locations: 1433 5th 

Street, Santa Monica, CA 90401; 824 Fair Oaks 

Avenue, S. Pasadena, CA 91030; and 625 S. 

Melrose Drive, Vista, CA 92081.

COMERICA BANK

Newspaper:

Federal Register:

CIC Not available

04/20/2010

Notice by Moelis Capital Partners Opportunity 

Fund I, LP, New York, New York; Moelis Capital 

Partners Opportunity Fund I-A, LP, New York, 

New York; Moelis Capital Partners Opportunity 

Fund, I, LLC, New York, New York; Moelis 

Capital Partners LLC, New York, New York; 

Moelis & Company Holdings LLC, New York, 

New York; Moelis & Company Manager LLC, 

New York, New York; and Ken Moelis, New 

York, New York; to apply to the Federal Reserve 

Board for permission to acquire more than 10 

percent of the shares of Opportunity 

Bancshares, Inc., Bettendorf, Iowa, and 

indirectly control its subsidiary, Opportunity 

Bank, NA, Richardson, Texas.

OPPORTUNITY BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC 04/05/2010

04/07/2010

Notice by Mr. Ross H. Smith, Jr. and Eva J. 

Smith, Bridge City, Texas, to increase their 

ownership and control, from 9.97 percent to 

more than 10 percent, of OSB Financial Services, 

Inc., Orange, Texas, and indirectly, Orange 

Savings Bank, SSB, Orange, Texas.

OSB FINANCIAL SERVICES, INC.

Newspaper:

Federal Register:

* 3A1 04/26/2010

04/27/2010

Veritex Holdings, Inc., Dallas, Texas, to become 

a bank holding company by acquiring 100 

percent of Professional Capital, Inc., Dallas, 

Texas, and indirectly acquire Professional Bank, 

N.A., Dallas, Texas.

VERITEX HOLDINGS, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Filings received during the week ending April 10, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Anchor Bancorp, Inc., Lacey, Washington, to 

become a bank holding company by acquiring 

100 percent of Anchor Mutual Savings Bank, 

Aberdeen, Washington, upon conversion from 

a mutual savings bank to a stock savings bank.

ANCHOR BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

01/29/2010

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund, L.P., Carpenter Community 

Bancfund-A, LP, Carpenter Community 

Bancfund-CA, L.P., SCJ, Inc., and CCFW, Inc., 

all of Irvine, California, to acquire up to 87 

percent of the outstanding voting shares of 

Mission Community Bancorp and thereby 

indirectly acquire a greater controlling interest 

in Mission Community Bank, both of San Luis 

Obispo, California; and 2) Mission Community 

Bancorp and Mission Community Bank, both of 

San Luis Obispo, California, to appoint Stephen 

P. Yost as a director of both Bancorp and Bank.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

* 3A1 Not available

12/07/2009

Golden Pacific Bancorp, Inc., Sacramento, 

California, to become a Bank Holding Company 

by acquiring 100 percent of the voting stock of 

Gold Country Financial Services, Inc., and 

indirectly its subsidiary, Gold Country 

Bank,National Association, both of Marysville, 

California.

GOLDEN PACIFIC BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A1

Not available

North Asia Investment Corporation, Seoul, 04/15/2010

Korea, to become a bank holding company by 

acquiring 100 percent of Pacific City Financial 

Corporation, and indirectly its subsidiary, 

Pacific City Bank, both of Los Angeles, 

California.

NORTH ASIA INVESTMENT 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

04/08/2010

One Main Street, LLC, and One Main Street 

Management, LLC, both of New York, New 

York, to become bank holding companies by 

acquiring 100 percent of Liberty Bank, Inc., Salt 

Lake City, Utah.

ONE MAIN STREET, LLC

Newspaper:

Federal Register:

* 3A1 Not available

Not available

SKBHC Holdings, LLC, Corona del Mar, 

California, to become a bank holding company 

by acquiring 100 percent of Starbuck 

Bancshares, Inc. and thereby indirectly the First 

National Bank of Starbuck, both of Starbuck, 

Minnesota.

SKBHC HOLDINGS, LLC

* 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