Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 46 

Week Ending November 14, 2009

Board of Governors of the Federal Reserve System, Washington, DC 20551
Extensions of Time

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- extension to 

January 1, 2013, of the first-floor-period start date under the advanced approaches 

risk-based capital rule for bank holding companies.

- Granted, November 13, 2009

Monetary and Financial Policy

Primary Credit Loans -- reduction in the maximum maturity on primary credit loans 

from 90 days to 28 days, effective January 14, 2010.

- Approved, November 12, 2009

Personnel

Legal Division -- appointment of Kieran J. Fallon as associate general counsel.

- Announced, November 10, 2009

Office of Board Members -- appointment of Lucretia Boyer as special assistant to the 

Board.

- Announced, November 10, 2009

Regulations and Policies

Regulation E (Electronic Fund Transfers) -- final amendments that limit the ability of 

a financial institution to assess an overdraft fee for paying automated teller machine 

(ATM) and one-time debit card transactions that overdraw a consumer's account, 

unless the consumer affirmatively consents or opts in.

- Approved, November 5, 2009

(A/C)

H.2 Board Actions November 8, 2009 to November 14, 2009

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

Regulation E (Electronic Fund Transfers) -- publication for comment of proposed 

amendments that restrict the fees and expiration dates that may apply to gift cards, 

protect consumers from certain unexpected costs, and require that gift card terms and 

conditions be clearly stated.

- Approved, November 12, 2009

Regulation P (Privacy of Consumer Financial Information) -- final interagency 

amendments and model privacy form to implement the privacy notice and opt-out 

provisions of the Gramm-Leach-Bliley Act.

- Approved, October 26, 2009

(A/C)

Regulation Z (Truth in Lending) -- interim final rule with request for comment to 

implement a recent statutory amendment requiring that consumers receive written 

notice after their mortgage loan has been sold or transferred.

- Approved, November 10, 2009

Risk-Based Capital Guidelines -- final interagency rules on the risk-based capital 

treatment of residential mortgage loans modified under the Department of the 

Treasury's Home Affordable Mortgage Program.

- Approved, November 2, 2009

(A/C)

Enforcement

Butler Bancorp, MHC, Lowell, Massachusetts, and Butler Bancorp, Inc. -- written 

agreement with the Federal Reserve Bank of Boston.

- Announced, November 9, 2009

Landmark Financial Holding Company, Sarasota, Florida, and Landmark Bank of 

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

of Florida, Office of Financial Regulation.

- Announced, November 10, 2009

H.2 Board Actions November 8, 2009 to November 14, 2009

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

Orion Bank, Naples, Florida -- issuance of a prompt corrective action directive 

against the bank.

- Approved, November 10, 2009

Pacific Coast National Bancorp, San Clemente California -- written agreement with 

the Federal Reserve Bank of San Francisco.

- Announced, November 10, 2009

West Concord Bancshares, Inc., West Concord, Minnesota, and Farmers State Bank 

of West Concord -- written agreement with the Federal Reserve Bank of 

Minneapolis.

- Announced, November 10, 2009

H.2 Board Actions November 8, 2009 to November 14, 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

November 8, 2009 to November 14, 2009

Bank Branches, Domestic

First Bank, Creve Coeur, Missouri -- to establish a branch at 104 East Ontario 

Avenue, Corona, California.

St. Louis

- Approved, November 12, 2009

Bank Holding Companies

CIT Group Inc., New York, New York -- request for temporary relief from the 

Board's regulatory reporting requirements for bank holding companies.

Director, BS&R

- Granted, November 9, 2009

Community Bancorp of Louisiana, Inc., Raceland, Louisiana -- to merge with United 

Community Bancshares, Inc., Gonzales, and thereby acquire United Community 

Bank.

Atlanta

- Withdrawn, November 12, 2009

Edgar County Banc Shares, Inc., Paris, Illinois -- waiver of application to acquire 

First National Bank of Gilman, Gilman, in connection with its merger with Edgar's 

subsidiary bank, Edgar County Bank and Trust Co., Paris.

Chicago

- Granted, November 13, 2009

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

Fidelity Mutual Holding Company, Fitchburg, Massachusetts, and Life Design 

Holding Company -- relief from certain commitments.

Director, BS&R

- Granted, November 12, 2009

USAmeriBancorp, Inc., Largo, Florida -- to acquire shares of Aliant Financial 

Corporation, Alexander City, Alabama, and thereby acquire Aliant Bank.

Atlanta

- Approved, November 13, 2009

Bank Mergers

IBERIABANK, Lafayette, Louisiana -- to purchase certain assets and assume certain 

liabilities of Century Bank, FSB, Sarasota, Florida.

Atlanta

- Approved, November 13, 2009

IBERIABANK, Lafayette, Louisiana -- to purchase certain assets and assume certain 

liabilities of Orion Bank, Naples, Florida.

Atlanta

- Approved, November 13, 2009

Banks, State Member

Allied Bank, Mulberry, Arkansas -- to invest in Lending Cycle, Inc., Louisville, 

Kentucky, a bank service corporation.

St. Louis

- Approved, November 10, 2009

H.2 Actions under delegated authority November 8, 2009 to November 14, 2009

(A/C) = Addition or Correction Delegated - 2 of 4
Change in Bank Control

New Century Bank, Phoenixville, Pennsylvania -- change in bank control of New 

Century Bank.

Philadelphia

- Permitted, November 13, 2009

Extensions of Time

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri -- extension 

to March 4, 2010, to increase its ownership in Cabool Bancshares, Inc., Cabool, and 

thereby increase its indirect control of Cabool State Bank.

St. Louis

- Granted, November 10, 2009

Columbus First Bancorp, Inc., Worthington, Ohio -- extension to February 14, 2010, 

to become a bank holding company and to acquire Columbus First Bank, 

Worthington.

Cleveland

- Granted, November 13, 2009

Connecticut Mutual Holding Company, Winsted, Connecticut -- extension to 

February 11, 2010, to acquire through merger Collinsville Savings Mutual Holding 

Company, Collinsville; Collinsville Stock Holding Company; and Collinsville 

Savings Society.

Boston

- Granted, November 11, 2009

H.2 Actions under delegated authority November 8, 2009 to November 14, 2009

(A/C) = Addition or Correction Delegated - 3 of 4
Financial Holding Companies 

Wisconsin Bancorp, Inc., Janesville, Wisconsin -- election to become a financial 

holding company.

Chicago

- Effective, November 9, 2009

Membership

The Farmers and Merchants National Bank of Ashland, Ashland, Nebraska -- to 

retain membership in the Federal Reserve System on conversion to a state charter, 

and to retain its branches.

Secretary

- Approved, November 13, 2009

Regulations and Policies

Correspondent Concentration Risks -- extension to November 27, 2009, of the 

comment period on proposed interagency guidance on correspondent concentration 

risks.

Secretary

- Approved, October 30, 2009

(A/C)

H.2 Actions under delegated authority November 8, 2009 to November 14, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending November 14, 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 November 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

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

Overseas Investment Corporation, New Castle, 

Delaware, pursuant to Section 211.9(f) of 

Regulation K, to make an additional investment 

in Citibank Espana S.A., Madrid, Spain.

CITIBANK, N.A.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Cooperatieve Centrale 

Raiffeisen-Boerenleenbank B.A. ("Rabobank 

Nederland"), Utrecht, The Netherlands, 

requests Board approval to establish an agency 

in St. Louis, Missouri pursuant Section 

211.24(a)(1)(i)(A) of Regulation K.

COOPERATIEVE CENTRALE 

RAIFFEISEN-BOERENLEENBAN

K B.A., "RABOBANK 

NEDERLAND"

* 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 November 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Landmark Community Bank, Luzerne, PA 

proposes to establish a branch office located at 

383 South Poplar Street, Hazleton, PA, pursuant 

to Section 9 of the FRA.

LANDMARK COMMUNITY 

BANK

Newspaper:

Federal Register:

CIC Not available

10/27/2009

Patriot Financial Partners, GP, L.P., Patriot 

Financial Partners, L.P., Patriot Financial 

Partners Parallel, L.P., Patriot Financial Partners, 

GP, LLC, Patriot Financial Managers, L.P., and 

Messrs. Ira M. Lubert, W. Kirk Wycoff and 

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 14.9 percent of 

Heritage Oakes Bancorp, parent of Heritage 

Bank, both in Paso Robles, CA.

PATRIOT FINANCIAL 

PARTNERS

Newspaper:

Federal Register:

CIC

Not available

Patriot Financial Partners, GP, L.P., Patriot 12/05/2009

Financial Partners, L.P., Patriot Financial 

Partners Parallel, L.P., Patriot Financial Partners, 

GP, LLC, Patriot Financial Managers, L.P., and 

Messrs. Ira M. Lubert, W. Kirk Wycoff and 

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 19.9 percent of 

Square 1 Financial, Inc., Durham, NC.

PATRIOT FINANCIAL 

PARTNERS LP

* 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

 682611 SUSQUEHANNA BK, LITITZ, PENNSYLVANIA 02/02/2009 11/06/2009 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending November 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 12/02/2009

Not available

Rbancshares, Inc., Westerviile, Ohio to become a 

bank holding company by acquiring 80.10% of 

the outstanding voting shares of Ohio State 

Bancshares, Inc., Marion, Ohio and thereby 

indirectly acquire Ohio State Bank, Marion, Ohio 

pursuant to section 3(a)(1) of the Bank Holding 

Company Act

RBancshares, Inc.

Newspaper:

Federal Register:

* 3A1

* 18C

12/04/2009

12/08/2009

Application by The St. Henry Bancorp, Inc., St. 

Henry, OH to become a bank holdinng company 

by acquiring 100% of the voting shares of The St. 

Henry Bank, St. Henry, OH and application by 

The St. Henry Bank, St. Henry, OH to merge with 

SHB Interim Bank, St. Henry, OH.

The St, Henry Bancorp, Inc.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending November 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 November 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 11/18/2009

establish a branch located at 468 Metairie Road, 

Metairie, Louisiana, to be known as the Metairie 

Road Branch.

IBERIABANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 11/28/2009

branches in the following locations: 3857 Main 

Street, College Park, Georgia, to be known as the 

Historic Downtown College Park; the northeast 

corner of the intersection of Auction Ave and 

North 7th Street, Memphis, Tennessee, to be 

known as the St. Jude Office, and 1923 Sam 

Rittenberg Boulevard, Charleston, South 

Carolina, to be known as the Sam Rittenberg 

Office.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

TriSummit Bank, Kingsport, Tennessee, to 11/23/2009

establish a branch located at 1999 East Stone 

Drive, Kingsport, Tennessee.

TRISUMMIT BANK

Newspaper:

Federal Register:

CIC

Not available

Prior change in control notice filed by Serguei 12/03/2009

Kouzmine, Atlanta, Georgia, to acquire 24.3 

percent of the outstanding shares of UCB 

Financial Group, Inc., and its subsidiary, Atlanta 

Business Bank, both of Atlanta, Georgia. Pro 

forma total ownership will equal 31.2 percent.

UCB FINANCIAL GROUP, 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

 761178 PROGRESS BK OF FL, TAMPA, FLORIDA 07/20/2009 11/10/2009 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending November 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

12/04/2009

EB Financial Group, Inc., Hinsdale, Illinois, 

become a bank holding company by acquiring 

100 percent of the voting shares of Baytree 

National Bank & Trust Company, Lake Forest, 

Illinois.

EB FINANCIAL GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by White Bay Capital LLLP, Grand 

Rapids, Michigan, the Stephen A. Van Andel 

2009 WBC Trust, Grand Rapids, Michigan, as a 

general partner, and Stephen A. Van Andel, 

Grand Rapids, Michigan, as trustee, to acquire 

33.9 percent of the voting shares of Macatawa 

Bank Corporation, Holland, Michigan, and 

thereby indirectly acquire Macatawa Bank, 

Holland, Michigan.

MACATAWA BANK 

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

 759045 FIRST EAGLE BK, HANOVER PARK, ILLINOIS 06/29/2009 11/09/2009 O Int Sm Bank

 825146 MORTON CMNTY BK, MORTON, ILLINOIS 06/08/2009 11/05/2009 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 November 14, 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

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 November 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/17/2009

Notice by Mary Jean Jensen, Lemmon, South 

Dakota, to retain and acquire shares of Faith 

Bank Holding Company, Faith, South Dakota, 

and thus to join a group acting in concert, 

consisting of Carveth and Margaret Thompson, 

Lead, South Dakota; Gary and Nancy Vance, 

Faith, South Dakota; Eldon Jensen, Lemmon, 

South Dakota; and Morris Gustafson, Faith, 

South Dakota, which controls 25 percent or 

more of Faith Bank Holding Company. Faith 

Bank Holding Company controls Farmers State 

Bank, Faith, South Dakota.

FAITH BANK HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC Not available

11/27/2009

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

acquire 10 percent or more of the shares of Milk 

River Banquo, Inc., Malta, Montana, and 

thereby indirectly gain control of Malta Banquo, 

Inc., which controls First Security Bank of 

Malta, Malta, Montana, and Valley Bank of 

Glasgow, Glasgow, Montana.

MILK RIVER BANQUO, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 215653 WELCOME ST BK, WELCOME, MINNESOTA 07/20/2009 11/09/2009 S 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 November 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Community Bank Partners, Inc., Denver, 

Colorado, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of The Palisades National Bank, 

Palisade, Colorado.

COMMUNITY BANK 

PARTNERS, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by the Estate of Catherine G. Eisemann, 

Trinidad, Colorado and Roger Dean Eisemann, 

Houston, Texas, individually, as a member of 

the Eisemann Family and as Co-Executor of the 

Estate of Catherine G. Eisemann, to retain 

control of Republic Trinidad Corporation, 

Houston, Texas, parent of First National Bank in 

Trinidad, Trinidad, Colorado.

REPUBLIC TRINIDAD 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

11/09/2009

Notice by Philip Eugene Jossi, and Marian 

Joanne Hardin, both of Kearney, Nebraska; 

James Andrew Bodyfield, Ericson, Nebraska; 

and Keith Weldon Carlson, Lincoln, Nebraska; 

to acquire control of Riverdale Bancshares, Inc., 

parent of State Bank of Riverdale, both in 

Riverdale, Nebraska, through the acquisition of 

voting shares.

RIVERDALE BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 11/06/2009

11/27/2009

Notice submitted by the William R. Oliver GST 

Exempt Trust, the Jackson T. Oliver GST Exempt 

Trust, and Thomas M. Annesley, Norman, 

Oklahoma, as trustee of the William R. Oliver 

GST Exempt Trust and the Jackson T. Oliver 

GST Exempt Trust, to retain control of Valliance 

Financial Corp, and thereby indirectly retain 

control of Valliance Bank, both in Oklahoma 

City, Oklahoma.

VALLIANCE FINANCIAL CORP.

* 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

 56557 COBIZ BK, DENVER, COLORADO 07/27/2009 11/06/2009 S Large 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 November 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Community Trust Financial Corporation, 

Ruston, Louisiana, to acquire by merger 

Madison Financial Corporation, Madison, 

Mississippi, and indirectly acquire Madison 

County Bank, Madison, Mississippi.

COMMUNITY TRUST 

FINANCIAL CORPORATION

* 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 November 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Lightyear Fund II, L.P., New York, New York, to 

acquire up to 24.9 percent of the voting shares 

of Cascade Bancorp, and thereby indirectly 

acquire Bank of the Cascades, both of Bend, 

Oregon.

CASCADE BANCORP

Newspaper:

Federal Register:

FBSEA

Not applicable

First Commercial Bank, Ltd., Taipei, Taiwan, to 11/23/2009

upgrade its New York Agency to a branch office 

pursuant to section 211.24(a)(2)(ii)(a) of 

Regulation K and section 7(d) of FBSEA.

FIRST COMMERCIAL BANK 

CO., LTD.

Newspaper:

Federal Register:

CIC Not available

Not available

Hanmi Bank, Los Angeles, California, to appoint 

Jung Hak Son as Interim Chief Credit Officer.

HANMI BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Kenneth G. Walker Grantor Trust 2009 to 

indirectly acquire membership interest of 

Palomar Enterprises, LLC, and thereby indirectly 

acquire membership interest of Farmers & 

Merchants Bank, all of Long Beach, California.

KENNETH G. WALKER 

GRANTOR TRUST 2009

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

* 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