Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 17 

Week Ending April 25, 2009

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

System Strategic Framework -- revised framework to guide the Federal Reserve's 

strategic planning for 2009 through 2014.

- Approved, April 13, 2009

(A/C)

Monetary and Financial Policy

Term Asset-Backed Securities Loan Facility -- establishment of two new interest 

rates applicable to certain loans extended under the TALF.

- Approved, April 21, 2009

Term Auction Facility -- TAF auction in the amount of $150 billion in 84-day credit 

on April 20, 2009.

- Announced, April 20, 2009

Personnel

Management Division -- appointment of Marie S. Savoy as associate director, 

effective April 20; and William L. Mitchell as senior associate director and chief 

financial officer and Tara Tinsley Pelitere as deputy associate director, effective 

April 26, 2009.

- Announced, April 20, 2009

Regulations and Policies

Credit Card Rules -- publication for comment of clarifications to the December 2008 

amendments to Regulations AA and Z to prohibit certain unfair credit card practices 

and to improve consumer disclosures for credit card accounts and other revolving 

credit plans.

- Approved, April 21, 2009

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

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

Mortgage Lending Reform -- statement by Sandra F. Braunstein, director, Division of 

Consumer and Community Affairs, before the House Committee on Financial 

Services on problems in the subprime mortgage market, regulatory actions to address 

these problems, and potential legislative responses.

- Published, April 23, 2009

Enforcement

Amoret Bancshares, Inc., Butler, Missouri -- written agreement with the Federal 

Reserve Bank of Kansas City.

- Announced, April 20, 2009

Bank On It, Inc., Stockton, California -- written agreement with the Federal Reserve 

Bank of San Francisco.

- Announced, April 23, 2009

Citizens Central Bancorp, Inc., Macomb, Illinois -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, April 21, 2009

First Regional Bancorp, Los Angeles, California -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, April 23, 2009

K Capital Corporation, Owings Mills, Maryland -- written agreement with the 

Federal Reserve Bank of Richmond.

- Announced, April 24, 2009

Strategic Capital Bancorp, Inc., Champaign, Illinois -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, April 21, 2009

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

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

The Tysan Corporation, Minneapolis, Minnesota -- written agreement with the 

Federal Reserve Bank of Minneapolis.

- Announced, April 23, 2009

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

(A/C) = Addition or Correction Board - Page 3 of 3
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

April 19, 2009 to April 25, 2009

Bank Branches, Domestic

Compass Bank, Birmingham, Alabama -- to establish a branch at 9400 Ed Robson 

Boulevard, Denton, Texas.

Atlanta

- Approved, April 21, 2009

The Fauquier Bank, Warrenton, Virginia -- to establish a branch at 15252 

Washington Street, Haymarket.

Richmond

- Approved, April 24, 2009

LegacyTexas Bank, Plano, Texas -- to establish a branch at 2101 Cedar Springs 

Road, Dallas.

Dallas

- Returned, April 20, 2009

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

branch at 6990 Laurel Bowie Road, Bowie, Maryland.

New York

- Approved, April 24, 2009

Bank Holding Companies

Arete Financial Limited, Paris, Kentucky -- to become a bank holding company and 

to acquire shares of Michigan Heritage Bancorp, Farmington Hills, Michigan, and 

thereby acquire Michigan Heritage Bank.

Chicago

- Withdrawn, April 23, 2009

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

Beartooth Financial Corporation, Billings, Montana -- to become a bank holding 

company and to acquire Beartooth Bank, Billings.

Minneapolis

- Withdrawn, April 23, 2009

Farmers and Merchants Bankshares, Inc., Stuttgart, Arkansas -- to acquire Lee 

County Bancshares, Inc., Marianna, and thereby acquire First National Bank at 

Marianna.

St. Louis

- Approved, April 22, 2009

JPMorgan Chase & Co., New York, New York -- relief from certain commitments.

Director, BS&R

- Granted, April 20, 2009

Midwest Banco Corporation, Cozad, Nebraska -- to continue to engage in general 

insurance activities through the retention of Grabenstein Insurance & Financial 

Services, Inc., Eustis.

Kansas City

- Approved, April 21, 2009

Minier Financial, Inc. Employee Stock Ownership Plan with 401(k) Provisions, 

Minier, Illinois -- to increase its ownership of Minier Financial, Inc., Minier, and 

thereby increase its indirect ownership of First Farmers State Bank.

Chicago

- Approved, April 20, 2009

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

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

Plains Capital Corporation, Dallas, Texas -- request for an exemption under the 

Depository Institution Management Interlocks Act and Regulation L.

Dallas

- Withdrawn, April 23, 2009

Randolph Bancshares, Inc., Asheboro, North Carolina -- to become a bank holding 

company and to acquire Randolph Bank & Trust Company, Asheboro.

Richmond

- Withdrawn, April 20, 2009

Scott Morgan Bancorp, Inc., Bluffs, Illinois -- to become a bank holding company 

and to acquire Bank of Bluffs, Bluffs.

St. Louis

- Approved, April 20, 2009

WashingtonFirst Bankshares, Inc., Reston, Virginia -- to become a bank holding 

company and to acquire WashingtonFirst Bank, Reston.

Richmond

- Approved, April 24, 2009

Bank Mergers

Community Bank of Nevada, Las Vegas, Nevada -- to merge with Community Bank 

of Arizona, Phoenix, Arizona.

San Francisco

- Returned, April 24, 2009

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

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

City First Enterprises, Inc., Washington, DC -- extension to July 22, 2009, to engage 

in lending and community development activities.

Richmond

- Granted, April 22, 2009

Community Bancshares of Mississippi, Inc. Employee Stock Ownership Plan, 

Brandon, Mississippi -- extension to August 13, 2009, to acquire additional shares of 

(1) Community Bancshares of Mississippi, Inc., Brandon, and thereby indirectly 

acquire Community Bank of North Mississippi, Amory; Community Bank of 

Mississippi, Forest; Community Bank, National Association, Memphis, Tennessee; 

Community Bank, Ellisville, Ellisville, Mississippi; and Community Bank Coast, 

Biloxi, and (2) Community Holding Company of Alabama, Brandon, Mississippi, 

and its subsidiary bank, Community Bank, National Association, Mobile, Alabama.

Atlanta

- Granted, April 22, 2009

Grundy Bank, Morris, Illinois -- extension to July 27, 2009, to establish a branch at 

2650 East Division Street, Diamond.

Chicago

- Granted, April 20, 2009

The Northern Trust Company, Chicago, Illinois -- extension to May 1, 2010, to 

establish a branch in Beijing, China.

Chicago

- Granted, April 22, 2009

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

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

Federal Reserve Bank of Boston

Filings received during the week ending April 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Application filed by Dime Mutual Holding 

Company, Norwich, Connecticut to become a 

mutual bank holding company through the 

acquisition of 100% of the voting shares of 

Dime Bank, Norwich, Connecticut, pursuant to 

section 3(a)(1) of the BHC Act.

DIME MUTUAL HOLDING 

COMPANY

* 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 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 501105 MANUFACTURERS & TRADERS TC, BUFFALO, NEW YORK 05/12/2008 03/27/2009 O Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending April 25, 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 April 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/14/2009

Interagency Notice of Change in Bank Control 

submitted by the John M. St. Clair, Jr. Trust, 

Irvine, KY (Kathy Dale Samples, Trustee) of its 

intent to retain control of 100% of the 

outstanding voting shares of Citizens Guaranty 

Financial Corporation, Irvine, KY which controls 

Citizens Guaranty Bank, Richmond, KY.

CITIZENS GUARANTY 

FINANCIAL CORPORATION

* 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

 542528 CITIZENS BKG CO, SANDUSKY, OHIO 10/20/2008 04/03/2009 S Int Sm Bank

 615217 NORTH SIDE B&TC, CINCINNATI, OHIO 12/08/2008 04/13/2009 S Int Sm Bank

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 25, 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 April 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Cumberland Bancorp, Inc., notice to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of Cumberland Bank 

& Trust, both of Clarksville, Tennessee.

CUMBERLAND BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

05/12/2009

Prior change in control notice filed by Jessie 

Doyle Buffinton, Helmut Hans Cawthon, 

Kenneth Franklin Davis, Andrew Charles 

Heaner, Clinton Gray Hubbard, Stephen Curtis 

Klasson, Kimberly Gill Mauer, Laura Hallin 

Mumber, Matthew Peter Mumber, Delos Harley 

Yancey, III, John Demetrius Xanthos, all of 

Rome, Georgia, Andrew Charles Heaner, 

Atlanta, Georgia, and Wayne Elm Vick, 

Armuchee, Georgia, collectively to acquire an 

additional 18.78 percent of the outstanding 

shares of Heritage First Bancshares, Inc., Rome, 

Georgia. Total pro forma will equal 37.29 

percent.

HERITAGE FIRST 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

05/22/2009

Piedmont Bancorp, Inc., Norcross, Georgia, to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of 

Republic Bank of Georgia, Lawrenceville, 

Georgia.

PIEDMONT BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Regions Bank, Birmingham, Alabama, to 05/05/2009

establish branches in the following locations: 1 

Glen Lake Parkway, Atlanta, Georgia, to be 

known as the Glenlake Private Banking Branch; 

Suwanee Gateway Shopping Center, 

Lawrenceville Highway and I-85, Suwanee, 

Georgia, to be known as the Gateway Suwanee 

Branch; 3400 Camp Creek Parkway, East Point, 

Georgia, to be known as the Camp Creek 

Parkway Branch; 17615 Chenal Parkway, Little 

Rock, Arkansas, to be known as the Chenal 

Parkway Branch; corner of Lyons and Coconut 

Creek Parkway, Pompano Beach, Florida, to be 

known as the Coconut Creek Parkway Branch; 

1020 Highland Colony Parkway,Ridgeland, 

Mississippi, to be known as the 200 

Renaissance at Colony Park Branch; Highway 

321 and Town Creek Parkway, Lenoir City, 

Tennessee, to be known as the Lenoir City 

Branch Relocation; Kelly Plantation 

Development near The Home Depot on 

Commons Drive West, Destin, Florida, to be 

known as the Kelly Plantation Branch 

(relocation of Destin Emerald Coast Parkway 

Branch); and the corner of Route 57 and 

Meridian, Glen Carbon, Illinois, to be known as 

the Glen Carbon Branch.

REGIONS BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending April 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Bank Iowa, Oskaloosa, Iowa, to purchase the 04/27/2009

assets and assume the liabilities of the Newton, 

Iowa branch of Bank Iowa, Altoona, Iowa, and 

to establish a branch facility at 215 West 2nd 

Street North, Newton, Iowa.

BANK IOWA

Newspaper:

Federal Register:

* 3A1 04/24/2009

04/27/2009

Community First Financial Corporation, 

Kokomo, Indiana, to become a bank holding 

company by acquiring 100 percent of the voting 

shares of Community First Bank of Howard 

County, Kokomo, Indiana.

COMMUNITY FIRST 

FINANCIAL CORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Freedom Financial Bank, West Des Moines, 

Iowa, to become a member of the Federal 

Reserve System.

FREEDOM FINANCIAL BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Logan County Bank, Lincoln, Illinois, to 

purchase certain assets and assume certain 

liabilities of the 100 W. Elm, Buffalo, Illinois 

branch of Town & Country Bank of Springfield, 

Springfield, Illinois, and thereby to establish a 

branch at 100 W. Elm, Buffalo, Illinois.

LOGAN COUNTY BANK

Newspaper:

Federal Register:

* Branch

Not applicable

M&I Marshall and Ilsley Bank, Milwaukee, 03/26/2009

Wisconsin, to establish a branch facility to be 

located at 12620 East 116th Street, Fishers, 

Indiana.

M&I MARSHALL & ILSLEY 

BANK

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:

* 18C Not available

* Branch Not applicable

Town & Country Bank of Springfield, 

Springfield, Illinois, to merge with Town & 

Country Bank, Buffalo, Illinois, and thereby to 

establish 3 branches.

TOWN & COUNTRY BANK OF 

SPRINGFIELD

* 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 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/22/2009

05/12/2009

Notice by Terry L. Bunnell, individually as the 

largest shareholder, and in concert with 

Deborah L. Bunnell, both of Glasgow, 

Kentucky, to gain control of Peoples-Marion 

Bancorp, Inc., Marion, Kentucky.

PEOPLES-MARION BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

05/22/2009

Southern Missouri Bancorp, Inc., Poplar Bluff, 

Missouri, to acquire 100 percent of Southern 

Bank of Commerce, Paragould, Arkansas.

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

 273840 COMMUNITY FIRST BK, MOUNT VERNON, ILLINOIS 12/01/2008 02/25/2009 S Small Bank

 852544 ELK HORN B&TC, ARKADELPHIA, ARKANSAS 12/01/2008 03/18/2009 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending April 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 05/24/2009

05/18/2009

Big Mac Bancshares, Inc., Hoxie, Kansas, to 

acquire 100 percent of the voting shares of 

Leonardville State Bank, Leonardville, Kansas.

BIG MAC BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 04/23/2009

05/18/2009

C & M Bancshares, Inc., Cameron, Missouri, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Missouri Federal Savings Bank (to be known 

as 1st Cameron State Bank), Cameron, Missouri.

C & M BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 05/06/2009

04/16/2009

Notice submitted by Martin C. Bicknell, 

Bucyrus, Kansas, to acquire control of 

University National Bancshares, Inc., parent of 

University National Bank, both in Pittsburg, 

Kansas.

UNIVERSITY NATIONAL 

BANCSHARES, INC.

* 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

 480750 BANK OF PARSONS, PARSONS, KANSAS 01/26/2009 04/01/2009 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending April 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

A.N.B. Holding Company, Ltd., Terrell, Texas, 05/15/2009

to aquire additional shares up to 35% of The 

ANB Corporation, Terrell, Texas, and indirectly 

American National Bank, Terrell, Texas.

A.N.B. HOLDING COMPANY, 

LTD.

Newspaper:

Federal Register:

CIC Not available

05/01/2009

Notice by Mr. Patrick W. Hopper (as trustee of 

the PWH Trust UTD 3/2/94) of Henderson, 

Nevada, to increase his ownership and control, 

from 9.4 percent to 15.2 percent, of Professional 

Capital, Inc., Dallas, Texas, and indirectly, 

Professional Bank, National Association, Dallas, 

Texas.

PROFESSIONAL CAPITAL, INC.

Newspaper:

Federal Register:

* 3A3 04/25/2009

04/27/2009

Texas Independent Bancshares, Inc., Texas 

City, Texas, to acquire 51 percent of Houston 

Business Bank, Houston, Texas (de novo).

TEXAS INDEPENDENT 

BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 25, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/08/2009

Notice by Don Rhee, Bok Kyung Rhee, and the 

Rhee Family Trust, all of Los Angeles, 

California, to acquire additional voting shares of 

Saehan Bancorp, and thereby indirectly acquire 

additional voting shares of Saehan Bank, both 

of Los Angeles, California.

SAEHAN BANCORP

* 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

 843270 COMMUNITY FIRST BK, PRINEVILLE, OREGON 12/01/2008 04/01/2009 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act