Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 12 

Week Ending March 21, 2009

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

Term Asset-Backed Securities Loan Facility -- to expand the types of eligible 

collateral for loans extended under the TALF to include asset-backed securities 

backed by mortgage-servicing advances, loans or leases relating to business 

equipment, leases of vehicle fleets, and non-auto floorplan loans.

- Approved, March 19, 2009

Term Asset-Backed Securities Loan Facility -- establishment of rates for the TALF at 

the Federal Reserve Bank of New York.

- Approved, February 23, 2009

(A/C)

Regulations and Policies

Trust Preferred Securities -- final rule to delay until March 31, 2011, the effective 

date of new limits on the inclusion of trust preferred securities and other restricted 

core capital elements in tier 1 capital of bank holding companies.

- Approved, March 16, 2009

Testimony and Statements

Credit Cards and Overdraft Services -- statement by Sandra F. Braunstein, director, 

Division of Consumer and Community Affairs, before a subcommittee of the House 

Committee on Financial Services on protections for consumers using credit cards and 

overdraft protection plans.

- Published, March 19, 2009

Financial Consumer Protection Laws -- statement by Governor Elizabeth A. Duke 

before the House Committee on Financial Services on efforts to address and prevent 

mortgage-related fraud and abusive lending practices.

- Published, March 20, 2009

H.2 Board Actions March 15, 2009 to March 21, 2009

(A/C) = Addition or Correction Board - Page 1 of 2
Testimony and Statements

Modernizing Bank Supervision and Regulation -- statement by Governor Daniel K. 

Tarullo before the Senate Committee on Banking, Housing, and Urban Affairs on 

modernizing financial supervision and regulation.

- Published, March 19, 2009

Risk Management in the Banking Industry -- statement by Roger T. Cole, director, 

Division of Banking Supervision and Regulation, before a subcommittee of the 

Senate Committee on Banking, Housing, and Urban Affairs on regulators' oversight 

of risk management at banking organizations.

- Published, March 18, 2009

Enforcement

FNB Holding Company, West Des Moines, Iowa -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, March 18, 2009

Omni Financial Services, Inc., Atlanta, Georgia -- written agreement with the Federal 

Reserve Bank of Atlanta.

- Announced, March 17, 2009

Societe Generale, Paris, France, and its New York, New York, branch -- written 

agreement with the Federal Reserve Bank of New York and the New York State 

Banking Department.

- Announced, March 17, 2009

Thunder Bancorp, Inc., Sylvan Grove, Kansas, and Thunder Bank -- written 

agreement with the Federal Reserve Bank of Kansas City.

- Announced, March 20, 2009

H.2 Board Actions March 15, 2009 to March 21, 2009

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

March 15, 2009 to March 21, 2009

Bank Branches, Domestic

Comerica Bank, Dallas, Texas -- to establish a branch at 10939 Louetta Road, 

Houston.

Dallas

- Approved, March 20, 2009

Bank Holding Companies

East Texas Bancorp, Inc., Longview, Texas -- to acquire by merger Hickory Hill 

Bancshares, Inc., Avinger, and Lone Star Bancshares, Inc., Lone Star, and thereby 

acquire their respective subsidiary banks, The First State Bank, Avinger, and The 

Lone Star State Bank, Lone Star.

Dallas

- Approved, March 18, 2009

Farmers National Banc Corp., Canfield, Ohio -- to acquire Butler Wick Trust 

Company, Youngstown, and thereby engage in general trust activities.

Cleveland

- Approved, March 20, 2009

Hulett Bancorp, Hulett, Wyoming -- to become a bank holding company and to 

acquire Summit National Bank, Hulett.

Kansas City

- Approved, March 16, 2009

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

Max Bancorp, LLC, New York, New York -- to become a bank holding company 

and to acquire shares of Allegiance National Bank, South Orange, New Jersey, on 

conversion of Allegiance Community Bank to a national charter.

New York

- Withdrawn, March 20, 2009

Meader Insurance Agency, Inc., Waverly, Kansas -- to retain shares of 1st Financial 

Bancshares, Inc., Overland Park, and 1st Financial Bank.

Kansas City

- Approved, March 19, 2009

TCF Financial Corp., Minneapolis, Minnesota -- request for an exemption under the 

Depository Institutions Management Interlocks Act and Regulation L.

Minneapolis

- Withdrawn, March 19, 2009

White River Capital, Inc., Indianapolis, Indiana -- to become a bank holding 

company and to acquire First Chicago Bancorp, Itasca, Illinois, and thereby acquire 

First Chicago Bank & Trust.

Chicago

- Withdrawn, March 20, 2009

White River Capital, Inc., Indianapolis, Indiana -- to acquire Union Acceptance 

Company, LLC, Indianapolis, and Coastal Credit, LLC, Virginia Beach, Virginia.

Chicago

- Withdrawn, March 20, 2009

H.2 Actions under delegated authority March 15, 2009 to March 21, 2009

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

Platte Valley Bank, Torrington, Wyoming -- to purchase certain assets and assume 

certain liabilities of the Casper branch of Bank of Wyoming, Thermopolis, and 

thereby operate a branch.

Kansas City

- Approved, March 16, 2009

Banks, State Member

Patriot Community Bank, Worburn, Massachusetts -- relief from a commitment.

Boston

- Granted, March 17, 2009

Extensions of Time

Arvest Bank, Fayetteville, Arkansas -- extension to June 21, 2009, to establish a 

branch at 524 North Main Street, Stillwater, Oklahoma.

St. Louis

- Granted, March 20, 2009

First Southern Bancorp, Inc., Stanford, Kentucky -- extension to June 20, 2009, to 

acquire shares CKF Bancorp, Inc., Danville.

Cleveland

- Granted, March 20, 2009

Gateway Pacific Bancorp, National City, California -- extension to June 16, 2009, to 

become a bank holding company and to acquire Gateway Pacific Bank (in 

organization), National City.

San Francisco

- Granted, March 19, 2009

H.2 Actions under delegated authority March 15, 2009 to March 21, 2009

(A/C) = Addition or Correction Delegated - 3 of 4
Extensions of Time

Standard Chartered Bank, London, England -- extension to April 12, 2009, to engage 

de novo through its subsidiary, Standard Chartered Securities (North America) Inc., 

New York, New York, in certain permissible nonbanking activities.

New York

- Granted, March 16, 2009

International Operations

Banco Santander International, Miami, Florida -- to amend its articles of association 

to reflect an increase in capital stock.

New York

- Approved, March 16, 2009

Membership

The Halstead Bank, Halstead, Kansas -- to become a member of the Federal Reserve 

System.

Kansas City

- Approved, March 19, 2009

Town & Country Bank, Salem, Missouri -- to become a member of the Federal 

Reserve System.

St. Louis

- Approved, March 16, 2009

H.2 Actions under delegated authority March 15, 2009 to March 21, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending March 21, 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

 339773 NEEDHAM BK, NEEDHAM, MASSACHUSETTS 10/20/2008 02/23/2009 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending March 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banque Transatlantique, Paris, France, to 

establish a representative office in New York, 

New York, pursuant to Section 211.24(a)(1) of 

Regulation K.

BANQUE TRANSATLANTIQUE

Newspaper:

Federal Register:

4c8 Not applicable

04/07/2009

Canandaigua National Corporation, 

Canandaigua, New York, for approval pursuant 

to Section 4(c)(8) of the BHC Act and Section 

225.24 of Regulation Y, to acquire Canandaigua 

National Trust Company of Florida, Sarasota, 

Florida, and thereby engage in trust company 

activities under 225.28(b)(5) of Regulation Y.

CANANDAIGUA NATIONAL 

CORPORATION

Newspaper:

Federal Register:

* 18C

Not applicable

Chemung Canal Trust Company, Elmira, New 04/02/2009

York for approval to merge with the Bank of 

Canton, Canton, Pennsylvania, pursuant to 

Section 18(c) of the Federal Deposit Insurance 

Act.

CHEMUNG CANAL TRUST 

COMPANY

Newspaper:

Federal Register:

* 3A3

* 3A5

04/02/2009

04/10/2009

Chemung Financial Corporation, Elmira, New 

York, to acquire Canton Bancorp, Inc. and its 

wholly-owned subsidiary, the Bank of Canton, 

both of Canton, Pennsylvania, pursuant to 

Sections 3(a)(3)and 3(a)(5) of the BHC Act and 

Section 225.14 of Regulation Y.

CHEMUNG FINANCIAL 

CORPORATION

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending March 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/03/2009

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 

Guaranty Bancorp, parent of Guaranty Bank and 

Trust Company, both in Denver, Colorado, 

through the acquisition of voting shares.

Patriot Financial Partners

* 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 March 21, 2009

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 March 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of America Corporation, Charlotte, North 

Carolina, through its wholly-owned subsidiary, 

Merrill Lynch & Co., Inc., New York, New York, 

to increase its investment in Merrill Lynch 

International Bank Limited, Dublin, Ireland.

BANK OF AMERICA 

CORPORATION

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of America, National Association, 

Charlotte, North Carolina, through its Edge 

corporation, BankAmerica International 

Financial Corporation, San Francisco, California, 

to increase its investment in Montrose Global 

Capital, LLP, London, England.

BANK OF AMERICA, 

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

* 3A1 Not available

04/17/2009

Randolph Bancshares, Inc., Asheboro, North 

Carolina, to become a bank holding company 

through the acquisition of 100% of the voting 

securities of Randolph Bank & Trust Company, 

Asheboro, North Carolina.

Randolph Bancshares, Inc.

* 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

 753324 BANK OF CLARKE CTY, BERRYVILLE, VIRGINIA 10/20/2008 02/16/2009 S Int Sm Bank

 2253891 CAPITAL ONE BK, GLEN ALLEN, VIRGINIA 09/04/2007 01/14/2008 O Whole/Ltd Purp

 713926 FARMERS & MERCHANTS BK, TIMBERVILLE, VIRGINIA 07/28/2008 02/23/2009 S Int Sm Bank

 2748650 GATEWAY B&TC, ELIZABETH CITY, NORTH CAROLINA 09/15/2008 02/15/2009 S Int Sm Bank

 679826 MIDDLEBURG BK, MIDDLEBURG, VIRGINIA 11/17/2008 02/16/2009 S Int Sm Bank

 274829 TRUPOINT BK, GRUNDY, VIRGINIA 10/27/2008 03/02/2009 S Int Sm Bank

 2607449 WACCAMAW BK, WHITEVILLE, NORTH CAROLINA 10/27/2008 02/15/2009 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending March 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 270036 ORION BK, NAPLES, FLORIDA 11/17/2008 03/02/2009 S Large 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 March 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 04/06/2009

04/13/2009

Community State Bank Employee Stock 

Ownership Plan and Trust, Union Grove, 

Wisconsin, to acquire an additional 2,796 

shares, or up to 40 percent of the outstanding 

shares of Union Bancorporation, Inc., Union 

Grove, Wisconsin, and thereby indirectly 

increase its control of Community State Bank, 

Union Grove, Wisconsin.

COMMUNITY STATE BANK 

EMPLOYEE STOCK OWNERSHIP 

PLAN AND TRUST

Newspaper:

Federal Register:

Other Foreign Not applicable

Investment Not applicable

Reg K - First Midwest Bank, Itasca, Illinois, to 

establish Calumet Investment Corporation, as 

an Agreement corporation, and to make an 

equity investment in, and provide a loan to 

Calumet Investment Corporation.

FIRST MIDWEST BANK

Newspaper:

Federal Register:

* 3A1 03/29/2009

04/03/2009

Grand River Commerce, Inc., Grandville, 

Michigan, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Grand River Bank (in organization), Grandville, 

Michigan.

GRAND RIVER COMMERCE, INC.

Newspaper:

Federal Register:

4c8 Not applicable

04/07/2009

Marshall & Ilsley Corporation, Milwaukee, 

Wisconsin and M&I LLC, Milwaukee, 

Wisconsin, proposes to acquire, indirectly 

through M&I Investment Management Corp., 

all of the assets, liabilities and business of Delta 

Asset Management Division of Berkeley Capital 

Management LLC, San Francisco, California, 

and thereby to engage in financial and advisory 

activities and agency transactional services.

MARSHALL & ILSLEY 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

04/14/2009

Minier Financial,Inc. Employee Stock 

Ownership Plan with 401(k) Provisions, Minier, 

Illinois, to increase its ownership of Minier 

Financial, Inc., Minier, Illinois, from 29 percent 

to up to 51 percent, and thereby increase its 

indirect ownership of First Farmers State Bank, 

Minier, Illinois.

MINIER FINANCIAL, INC. 

EMPLOYEE STOCK OWNERSHIP 

PLAN W/401(K) PROVISIONS

Newspaper:

Federal Register:

* 3A1 Not available

04/10/2009

OSB Financial Corporation, Brooklyn, Michigan, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

OSB Community Bank, Brooklyn, Michigan.

OSB FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

03/24/2009

Notice by Robert C. Fick, Davenport, Iowa, for 

permission to acquire an additional 5 percent, 

for an aggregate ownership of 16 percent of 

River Valley Bancorp, Inc., Davenport, Iowa, 

and thereby indirectly Valley Bank, Moline, 

Illinois; Freedom Bank, Sterling, Illinois; and 

Valley Bank, Fort Lauderdale, Florida.

RIVER VALLEY BANCORP, 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

 689740 F&M BK-IA, MARSHALLTOWN, IOWA 10/06/2008 03/09/2009 S Large Bank

 58243 JOHNSON BK, RACINE, WISCONSIN 10/14/2008 03/09/2009 O Large Bank

 683449 MAQUOKETA ST BK, MAQUOKETA, IOWA 11/03/2008 03/05/2009 O 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 March 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 04/18/2009

04/14/2009

Farmers and Merchants Bankshares, Inc., 

Stuttgart, Arkansas, to acquire 100 percent of 

Lee County Bancshares, Inc., Marianna, 

Arkansas, and thereby indirectly acquire First 

National Bank at Marianna, Marianna, 

Arkansas.

FARMERS AND MERCHANTS 

BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Jerry W. Fuller, individually and 

acting in concert with Terry R. Fuller and Mary 

S. Fuller, all as co-executors of the estate of Ray 

C. Fuller, all of Poplar Grove, Arkansas, to gain 

control of Helena Bancshares, Inc., Helena, 

Arkansas.

HELENA BANCSHARES, 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 March 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/10/2009

Beartooth Financial Corporation, Billings, 

Montana to become a bank holding company 

by acquiring 100 percent of Beartooth Bank, 

Billings, Montana.

BEARTOOTH FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC 04/02/2009

03/31/2009

Louis A. Welle, Naples, Florida, and Kenneth 

M. Welle and Lori M. Welle, both of Dayton, 

Minnesota, as a group acting in concert, to gain 

control of Community Pride Bank Corporation, 

Ham Lake, Minnesota, and thereby indirectly 

gain control of Community Pride Bank, Isanti, 

Minnesota.

COMMUNITY PRIDE BANK 

CORPORATION

Newspaper:

Federal Register:

* 3A5 04/09/2009

04/14/2009

Glacier Bancorp, Inc., Kalispell, Montana, to 

acquire 100 percent of First Company, Cody, 

Wyoming, and thereby indirectly acquire First 

National Bank and Trust Company, Powell, 

Wyoming.

GLACIER BANCORP, 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

 2352507 BANKFIRST, SIOUX FALLS, SOUTH DAKOTA 09/04/2007 02/26/2009 S Int Sm 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 March 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/06/2009

Notice by Donald Rossiter, Hartington, 

Nebraska, individually and as trustee of the 

Mary E. Rossiter Trust, and Carol F. Rossiter, 

Macon, Georgia, individually and as trustee of 

the Mary E. Rossiter Trust, and the Margaret R. 

Rossiter Trust, to retain control of Cedar 

Bancorp, Inc., parent of Bank of Hartington, 

both in Hartington, Nebraska, through the 

acquisition of voting shares. Also, Donald W. 

Rossiter, Carol F. Rossiter, Phyllis Schrempp, J. 

Scott Schrempp, Christine Rositter, and Leon 

Schrempp, a group acting in concert, to retain 

control of Cedar Bancorp, Inc. parent of Bank of 

Hartington, Hartington, Nebraska.

CEDAR BANCORP

Newspaper:

Federal Register:

Member Not applicable

Not applicable

High Country Bank, Salida, Colorado, to become 

a member of the Federal Reserve System.

HIGH COUNTRY 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 March 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/03/2009

Jourdanton Bancshares, Inc., Jourdanton, 

Texas, to become a bank holding company by 

acquiring 100 percent of Jourdanton State Bank, 

Jourdanton, Texas.

JOURDANTON BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A3 04/09/2009

04/14/2009

National Bank & Trust Employee Stock 

Ownership Plan With 401(k) Provisions, La 

Grange, Texas, to acquire additional shares of 

First La Grange Bancshares, Inc., La Grange, 

Texas, and indirectly acquire National Bank & 

Trust, La Grange, Texas.

NATIONAL BANK & TRUST 

EMPLOYEE STOCK OWNERSHIP 

PLAN WITH 401(K) PROVISIONS

* 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 March 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 3398100 PRESIDIO BK, SAN FRANCISCO, CALIFORNIA 11/10/2008 03/03/2009 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act