Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 34 

Week Ending August 22, 2009

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Holding Companies

Coastal Community Investments, Inc., Panama City Beach, Florida -- written 

agreement with the Federal Reserve Bank of Atlanta.

- Announced, August 20, 2009

Leawood Bancshares, Inc., Leawood, Kansas -- written agreement with the Federal 

Reserve Bank of Kansas City.

- Announced, August 18, 2009

Rogers Bancshares, Inc., Little Rock, Arkansas -- written agreement with the Federal 

Reserve Bank of St. Louis.

- Announced, August 19, 2009

WGNB Corp., Carrollton, Georgia -- written agreement with the Federal Reserve 

Bank of Atlanta.

- Announced, August 18, 2009

Monetary and Financial Policy

Term Asset-Backed Securities Loan Facility -- extension of the Term Asset-Backed 

Securities Loan Facility through (1) June 30, 2010, for loans collateralized by newly 

issued commerical mortage-backed securities, and (2) March 31, 2010, for loans 

collateralized by all other TALF-eligible collateral.

- Announced, August 17, 2009

H.2 Board Actions August 16, 2009 to August 22, 2009

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

August 16, 2009 to August 22, 2009

Bank Branches, Domestic

The First Bank and Trust Company, Lebanon, Virginia -- to establish a branch at 101 

Annjo Court, Forest.

Richmond

- Approved, August 19, 2009

Fleetwood Bank, Fleetwood, Pennsylvania -- to establish a branch at 455 Main 

Street, Shoemakersville, and to increase its investment in bank premises.

Philadelphia

- Approved, August 21, 2009

MainStreet Bank, Herndon, Virginia -- to establish a branch at 3101 North 10th 

Street, Arlington.

Richmond

- Approved, August 19, 2009

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

branch at 1351 Blair Drive, Odenton, Maryland.

New York

- Approved, August 21, 2009

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

branch at 300 Park Point Drive, Suite 105, Henrietta.

New York

- Approved, August 21, 2009

(A/C) = Addition or Correction Delegated - 1 of 5
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, August 11, 2009

(A/C)

Conahasset Bancshares MHC, Cohasset, Massachusetts, and Conahasset Bancshares, 

Inc. -- to become a mutual bank holding company and stock bank holding company, 

respectively, and to acquire Pilgrim Bank, Cohasset.

Boston

- Approved, August 21, 2009

Global Consumer Acquisition Corp., New York, New York -- to become a bank 

holding company and to do business as Western Liberty Bancorp, Las Vegas, 

Nevada; and to acquire 1st Commerce Bank, North Las Vegas, and to assume certain 

assets and deposit liabilities of Nevada Colonial Bank, Las Vegas.

San Francisco

- Returned, August 21, 2009

Intervest Bancshares Corporation, New York, New York -- to engage in certain 

nonbanking activities through I-Net Clearing House Corporation, New York.

New York

- Withdrawn, August 19, 2009

NewStar Holdco Inc., Boston, Massachusetts -- to become a bank holding company 

and to acquire Southern Commerce Bank, National Association, Tampa, Florida; and 

(1) to continue to operate NewStar Financial, Inc. as an existing commercial finance 

company and (2) to establish NewStar Asset Management, LLC, to provide 

asset-management services to NewStar Credit Opportunities Fund.

Boston

- Withdrawn, August 20, 2009

H.2 Actions under delegated authority August 16, 2009 to August 22, 2009

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Holding Companies

Pinnacle Bancshares, Inc., Rogers, Arkansas -- to acquire Central Bank, Little Rock.

St. Louis

- Withdrawn, August 17, 2009

Bank Mergers

Compass Bank, Birmingham, Alabama -- to purchase certain assets and assume 

certain liabilities of Guaranty Bank, Austin, Texas, and thereby establish branches.

Atlanta

- Approved, August 21, 2009

Compass Bank, Birmingham, Alabama -- to merge with BBV Bancomer USA, 

Diamond Bar, California, and thereby establish branches.

Atlanta

- Approved, August 21, 2009

Compass Bank, Birmingham, Alabama -- to merge with Central Bank of the South, 

Anniston, and thereby establish a branch.

Atlanta

- Approved, August 21, 2009

Fifth Third Bank, Cincinnati, Ohio -- to merge with Fifth Third Bank, Grand Rapids, 

Michigan, and thereby establish branches.

Cleveland

- Approved, August 21, 2009

H.2 Actions under delegated authority August 16, 2009 to August 22, 2009

(A/C) = Addition or Correction Delegated - 3 of 5
Bank Mergers

Fifth Third Bank, Cincinnati, Ohio -- to merge with Fifth Third Bank, National 

Association, Nashville, Tennessee, and thereby establish branches.

Cleveland

- Approved, August 21, 2009

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

liabilities of CapitalSouth Bank, Birmingham, Alabama, and thereby establish 

branches.

Atlanta

- Approved, August 20, 2009

Texas First Bank, Texas City, Texas -- to merge with Texas First Bank-Winnie, 

Winnie, and thereby establish branches.

Dallas

- Approved, August 21, 2009

The Union State Bank of Everest, Everest, Kansas -- to merge with Bank of Gower, 

Gower, Missouri, and thereby establish a branch.

Kansas City

- Approved, August 19, 2009

Change in Bank Control

Citizens National Bancorp, Inc., Springfield, Missouri -- change in bank control of 

Citizens and its subsidiary bank, Citizens National Bank of Springfield, Springfield.

St. Louis

- Permitted, August 21, 2009

H.2 Actions under delegated authority August 16, 2009 to August 22, 2009

(A/C) = Addition or Correction Delegated - 4 of 5
Change in Bank Control

Premier Bancshares, Inc., McKinney, Texas -- change in bank control of Premier and 

its subsidiary thrift, Synergy Bank, SSB, McKinney.

Dallas

- Permitted, August 20, 2009

Financial Holding Companies 

Illini Corporation, Springfield, Illinois -- election to become a financial holding 

company.

Chicago

- Effective, August 17, 2009

International Operations

GMAC Inc., Detroit, Michigan -- to make an additional investment in Provident 

Insurance PLC, Halifax, England.

Chicago

- Withdrawn, August 19, 2009

H.2 Actions under delegated authority August 16, 2009 to August 22, 2009

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending August 22, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 Not available

Application by 1889 Bancorp MHC and 1889 

Financial Services Corporation, both of 

Norwood, Massachusetts, to become a mutual 

bank holding company and stock bank holding 

company, respectively, by acquiring Norwood 

Co-operative Bank, Norwood, Massachusetts, 

pursuant to sections 3(a)(1) and 3(a)(3) of the 

Bank Holding Company Act of 1956, as 

amended.

1889 BANCORP MHC

Newspaper:

Federal Register:

CIC Not available

08/07/2009

Notice pursuant to the Change in Bank Control 

Act of 1978 by Warburg Pincus Private Equity 

X, L.P., and Warburg Pincus X Partners, L.P., 

and their controlling affiliates, with respect to an 

additional investment in Webster Financial 

Corporation.

WARBURG PINCUS PRIVATE 

EQUITY X, L.P.

* 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 Fourth Quarter of 2009 (October 1, 2009 - December 31, 2009)

Institution Location

FRANKLIN SVG BK FARMINGTON, MAINE

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

Federal Reserve Bank of New York

Filings received during the week ending August 22, 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

NONE

CRA Examinations scheduled for Fourth Quarter of 2009 (October 1, 2009 - December 31, 2009)

Institution Location

PEAPACK GLADSTONE BK GLADSTONE, NEW JERSEY

SOLVAY BK SOLVAY, NEW YORK

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending August 22, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 Fourth Quarter of 2009 (October 1, 2009 - December 31, 2009)

Institution Location

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

Federal Reserve Bank of Cleveland

Filings received during the week ending August 22, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

NB&T Financial Group, Inc., Wilmington, Ohio 

to acquire 100 percent of Community National 

Corporation, Franklin, Ohio, and thereby 

indirectly acquire The Community National 

Bank, Frnaklin, Ohio pursuant to Section 3(a)(5) 

of the Bank Holding Company Act

NB&T FINANCIAL GROUP, 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 Fourth Quarter of 2009 (October 1, 2009 - December 31, 2009)

Institution Location

RICHWOOD BKG CO RICHWOOD, OHIO

TWIN VALLEY BK WEST ALEXANDRIA, OHIO

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

Federal Reserve Bank of Richmond

Filings received during the week ending August 22, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of America, N.A., Charlotte, North 

Carolina, through its Edge Corporation, 

BankAmerica International Finance Corporation, 

San Francisco, California, and FIA Card 

Services, N.A., Wilmington, Deleware, to make 

an indirect investment in MBNA Europe Bank 

Limited, Chester, England.

BANK OF AMERICA, 

NATIONAL ASSOCIATION

* 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

 829032 BCBANK, PHILIPPI, WEST VIRGINIA 04/13/2009 07/16/2009 S Small Bank

 233527 PAGE VALLEY BK, LURAY, VIRGINIA 03/30/2009 07/01/2009 O Small Bank

 365325 UNITED BK, FAIRFAX, VIRGINIA 02/02/2009 08/03/2009 S Large Bank

 1010930 UNITED BK, PARKERSBURG, WEST VIRGINIA 02/02/2009 08/03/2009 S Large Bank

 2303086 VALLEY BK, ROANOKE, VIRGINIA 04/20/2009 07/30/2009 S Int Sm Bank

CRA Examinations scheduled for Fourth Quarter of 2009 (October 1, 2009 - December 31, 2009)

Institution Location

BANK OF HAMPTON ROADS NORFOLK, VIRGINIA

COMMUNITY CAP BK VA CHRISTIANSBURG, VIRGINIA

ESSEX BK TAPPAHANNOCK, VIRGINIA

FIRST B&TC LEBANON, VIRGINIA

FIRST SENTINEL BK RICHLANDS, VIRGINIA

PATAPSCO BK DUNDALK, MARYLAND

VA COMMONWEALTH BK PETERSBURG, VIRGINIA

VIRGINIA CMRC BK ARLINGTON, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending August 22, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/10/2009

Heart of Georgia Bancshares, Inc., Mount 

Vernon, Georgia, to acquire 100 percent of the 

outstanding shares of The Tattnall Bank, 

Reidsville, Georgia.

HEART OF GEORGIA 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 09/05/2009

branches in the following locations: 1855 

Wisconsin Avenue, Northwest, Washington, 

District of Columbia, to be known as the 

Georgetown Safeway Branch; 6005 Post Road, 

Cumming, Georgia, to be known as the Polo 

Fields Branch; intersection of Loudoun County 

Parkway and Ryan Road, Ashburn, Virginia, to 

be known as the Moorefield Station Branch; 

intersection of East Venice Avenue and 

Jacaranda Boulevard, Venice, Florida, to be 

known as the Jacaranda Commons Branch; 

15601 City View Drive, Midlothian, Virginia, to 

be known as the Westchester Commons 

Branch; 9701 Commercial Way, Weeki Wachee, 

Florida, to be known as the Glen Lakes Branch; 

intersection of Bee Ridge Road and Bee Ridge 

Road Extension, Sarasota, Florida, to be known 

as the Bee Ridge Extension Branch.

SUNTRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish 09/06/2009

branches in the following locations: intersection 

of Highway 55 and Avent Ferry Road, Holly 

Springs, North Carolina, to be known as the 

Holly Springs Branch; intersection of Snow Hill 

Road and I-75, Ooltewah, Tennessee, to be 

known as the Snow Hill Office; 1175 University 

Drive, Burlington, North Carolina, to be known 

as the Shoppes at Waterford Branch; 205 Palm 

Bay Road, Melbourne, Florida, to be known as 

the Hammock Landing Branch.

SUNTRUST BANK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

USAmeriBancorp, Inc., Largo, Florida, to 

acquire 49.7 percent of the outstanding voting 

shares of Aliant Financial Corporation, and its 

subsidiary, Aliant Bank, both of Alexander City, 

Alabama.

USAMERIBANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

09/03/2009

After-the-fact change in control notice filed by 

Richard Franklin Combs, Braselton, Georgia, to 

retain 26.8 percent of the outstanding shares of 

Verity Capital Group, Inc., Dahlonega, Georgia, 

and its subsidiary, Verity Bank, Winder, 

Georgia.

VERITY CAPITAL 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

 701736 BRAND BKG CO, LAWRENCEVILLE, GEORGIA 12/10/2007 08/12/2009 S Large Bank

 104038 PARK AVE BK, VALDOSTA, GEORGIA 04/13/2009 08/02/2009 S Large Bank

CRA Examinations scheduled for Fourth Quarter of 2009 (October 1, 2009 - December 31, 2009)

Institution Location

BANK INDEP SHEFFIELD, ALABAMA

FLORIDA BK TAMPA, FLORIDA

HORIZON BK BRADENTON, FLORIDA

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 22, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 09/09/2009

09/11/2009

Artisan Financial Corporation, Barrington, 

Illinois, to become a bank holding company by 

acquiring 100 percent of the voting shares of 

Valley Community Bancorp, Inc., St. Charles, 

Illinois, and thereby indirectly acquire Valley 

Community Bank, St. Charles, Illinois.

ARTISAN FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

09/03/2009

Eagle Financial Corp., Casey, Illinois, to become 

a bank holding company by acquiring 100 

percent of Casey State Bank, Casey, Illinois and 

First State Bank, Biggsville, Illinois.

EAGLE FINANCIAL CORP.

Newspaper:

Federal Register:

CIC Not available

09/10/2009

Notice by Elisabeth Meyer Kimmel, La Jolla, 

California, individually and as trustee; August 

C. Meyer, Jr., Champaign, Illinois, individually 

and as trustee; Inna A. Meyer, St. Petersburg, 

Russia; Gregory B. Lykins, Champaign, Illinois, 

individually and as trustee; Margo L. Lykins, 

Champaign, Illinois, et al, to retain 10% or more 

of the shares, and to acquire additional shares, 

of First Busey Corporation, Urbana, Illinois, 

and thereby indirectly retain and acquire 

additional shares of Busey Bank, Champaign, 

Illinois, and Busey Bank, National Association, 

Fort Myers, Florida.

FIRST BUSEY CORPORATION

Newspaper:

Federal Register:

CIC Not available

09/04/2009

Notice by Laura G. Gard Revocable Living 

Trust, Laura G. Gard, Trustee, Marshall, Illinois, 

to increase control of Herky Hawk Financial 

Corp., Monticello, Iowa, and thereby indirectly 

Citizens State Bank, Citizens State Bank, 

Monticello, Iowa, and New Vienna Savings 

Bank, New Vienna, Iowa.

HERKY HAWK FINANCIAL 

CORP.,

Newspaper:

Federal Register:

CIC Not available

08/31/2009

Notice by David L. Schultz, Luana, Iowa, to 

increase his control of Luana Bancorporation, 

Luana, Iowa, and thereby indirectly, Luana 

Savings Bank, Luana, Iowa.

LUANA BANCORPORATION

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Union Bank and Trust Company, Evansville, 

Wisconsin, to purchase the assets and assume 

the liabilities of the New Glarus, Wisconsin and 

the Belleville, Wisconsin branches of Amcore 

Bank, National Association, Rockford, Illinois.

UNION BANK & TRUST 

COMPANY

* 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 Fourth Quarter of 2009 (October 1, 2009 - December 31, 2009)

Institution Location

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 22, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Arvest Bank, Fayetteville, Arkansas, to 09/17/2009

purchase certain assets and assume certain 

deposits and liabilities of the Johnson County, 

Kansas branch offices of Los Padres Bank, 

Solvang, California, and to retain the acquired 

facilities as branch offices.

ARVEST BANK

Newspaper:

Federal Register:

CIC

Not available

Notice by Larry E. Kircher, Trustee of the Larry 09/09/2009

E. Kircher Revocable Trust, 4/12/07, and Molly 

H. Kircher, Trustee of the Molly H. Kircher 

Revocable Trust, 4/12/07, all of Bald Knob, 

Arkansas, acting in concert to retain control of 

Citizens State Bankshares of Bald Knob, Inc., 

Bald Knob, Arkansas.

CITIZENS STATE BANKSHARES 

OF BALD KNOB, INC.

Newspaper:

Federal Register:

* 3A1 09/12/2009

09/14/2009

Farmers and Merchants Bancorp, Inc., Hannibal, 

Missouri, to become a bank holding company 

through the conversion of its thrift subsidiary, 

F&M Bank and Trust Company, Hannibal, 

Missouri, into a state nonmember bank.

FARMERS & MERCHANTS 

BANCORP, INC.

Newspaper:

Federal Register:

CIC 09/01/2009

09/04/2009

Notice by Charles S. Penick, and Mary M. 

Penick, and the Charles S. Penick Mary M. 

Penick Revocable Trust, with Charles and Mary 

Penick as Trustees, both of Morrilton, 

Arkansas, acting in concert to retain control of 

Petit Jean Bancshares, Inc., Morrilton, 

Arkansas.

PETIT JEAN 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

 1007145 BAY HERMANN BERGER BK, HERMANN, MISSOURI 04/13/2009 07/23/2009 S Small Bank

 77347 COMMUNITY FIRST BK, CORYDON, INDIANA 05/11/2009 08/10/2009 S Small Bank

 973140 SOUTHERN BC BK, RULEVILLE, MISSISSIPPI 04/20/2009 08/07/2009 O Small Bank

CRA Examinations scheduled for Fourth Quarter of 2009 (October 1, 2009 - December 31, 2009)

Institution Location

CITIZENS B&TC VAN BUREN, ARKANSAS

CITIZENS BK BATESVILLE, ARKANSAS

FARMERS B&TC MAGNOLIA, ARKANSAS

FIRST FINANCIAL BK EL DORADO, ARKANSAS

HEBER SPRINGS ST BK HEBER SPRINGS, ARKANSAS

LIBERTY BANK OF ARKANSAS JONESBORO, ARKANSAS

MIDWEST BANKCENTRE LEMAY, MISSOURI

OLD MISSOURI BK SPRINGFIELD, MISSOURI

PEOPLES B&TC TROY, MISSOURI

SECURITY BK NEWBERN, TENNESSEE

SIMMONS FIRST BK OF SEARCY SEARCY, ARKANSAS

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending August 22, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/09/2009

Notice by Bradley John Franklin, Sidney, 

Montana; Eleanor Rose Franklin, Sidney, 

Montana; and Gregory Lynn Franklin, Othello, 

Washington, to join a group acting in concert 

with John Franklin, Sidney, Montana, to acquire 

and retain control of 1st United Bancorporation, 

Inc., Sidney, Montana, and thereby indirectly 

acquire and retain control of 1st Bank, Sidney, 

Montana.

1ST UNITED 

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by the Marcia J. Edsall Trust, Bozeman, 

Montana, Marcia J. Edsall and Wayne A. Edsall 

as trustees, the Wayne Edsall Trust No. 2, 

Bozeman, Montana, Wayne A. Edsall as trustee, 

and Susan Joy Edsall, Ennis, Montana, Steven 

L. Edsall, Bellevue, Idaho, and Sharon J. Cohen, 

Spokane, Washington, as individuals, and as 

part of a group acting in concert, to retain and 

acquire 10% or more of the shares of 

Inter-Mountain Bancorp, Inc., Bozeman, 

Montana, and thereby indirectly retain and 

acquire First Security Bank, Bozeman, Montana. 

In addition, notice by the Cornelius A. 

Dogterom Marital Trust, Bozeman, Montana, 

Marjorie T. Dogterom as trustee, the Dana 

Dogterom Living Trust, Manhatten, Montana, 

Dana M. Dogterom as trustee, the Toni 

Dogterom Living Trust, Evanston, Illinois, Toni 

L. Dogterom as trustee, the Daphne Gillam 

Revocable Trust, Bozeman, Montana, Daphne 

Gillam as trustee, and Marjorie T. Dogterom, 

Bozeman, Montana, Ashley Claire Gillam, 

Bozeman, Montana, and Dana M. Dogterom as 

Custodian for Alexa Dogterom, Evanston, 

Illinois, as individuals, and as part of a group 

acting in conert to retain and acquire 10% or 

more of the shares of Inter-Mountain Bancorp, 

Bozeman, Montana, and thereby indirectly 

retain and acquire First Security Bank, Bozeman, 

Montana. In addition, notice by Thomas J. 

Kamp, Manhatten, Montana, Robert K. Kamp, 

Manhatten, Montana, Robert and Sharon T. 

Kamp, Manhatten, Montana, John T. and Joyce 

B. Kamp, Manhatten, Montana, Alma J. Kamp, 

San Anselmo, California, Lois F. Kamp, Great 

Falls, Montana, Michael S. Kamp, Manhatten, 

Montana, Thomas J. Kamp, Belgrade, Montana, 

and Theodore P. Kamp, Raton, New Mexico, as 

individuals and as part of a group acting in 

concert to retain and acquire 10% or more of the 

shares of Inter-Mountain Bancorp, Bozeman, 

Montana, and thereby indirectly retain and 

acquire First Security Bank, Bozeman, Montana.

INTER-MOUNTAIN BANCORP., 

INC.

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending August 22, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/03/2009

Retroactive Change in Control Notice by Dennis 

G. Bilski, Plymouth, Minnesota individually and 

as part of a group acting in concert along with 

the Marsha L. Ritt Revocable Living Trust, 

co-trustees Marsha L. Ritt and Dennis G. Bilski; 

Londa G. Bilski, Plymouth, Minnesota; Gerald 

A. Bilski and Sandra J. Bilski, Woodbury, 

Minnesota; Michael A. Bilski and Jacqueline S. 

Bilski, Fridley, Minnesota; Michael A. Adducci 

and Debra J. Adducci, Woodbury, Minnesota; 

and John C. Holper and Linda M. Holper, 

Woodbury, Minnesota, to retain control of 

N.A. Corporation, Roseville, Minnesota, and 

thereby indirectly retain control of North 

American Banking Company, Roseville, 

Minnesota.

N.A. CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Retroactive notice by Melissa I. Brooks and Erik 

K. Brooks, both of Eden Prairie, Minnesota, to 

join a group acting in concert with Kenneth 

Brooks, Eden Prairie, Minnesota, individually 

and as trustee of the Signature Bancshares, Inc. 

Employee Stock Ownership Plan and Trust, 

Minnetonka, Minnesota, and Roger Brooks, 

Boulder, Colorado, to retain control of Signature 

Bancshares, Inc., Minnetonka, Minnesota, and 

thereby indirectly retain control of Signature 

Bank, Minnetonka, Minnesota.

SIGNATURE BANCSHARES, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Fourth Quarter of 2009 (October 1, 2009 - December 31, 2009)

Institution Location

CITIZENS B&TC BIG TIMBER, MONTANA

DAKOTA WESTERN BK BOWMAN, NORTH DAKOTA

FARMERS ST BK FAITH, SOUTH DAKOTA

FARMERS ST BK OF WEST CONCORD WEST CONCORD, MINNESOTA

FIRST PREMIER BK SIOUX FALLS, SOUTH DAKOTA

FLINT CREEK VALLEY BK PHILIPSBURG, MONTANA

HEARTLAND ST BK EDGELEY, NORTH DAKOTA

PIONEER B&TC BELLE FOURCHE, SOUTH DAKOTA

PROFINIUM FNCL TRUMAN, MINNESOTA

RAVALLI COUNTY BK HAMILTON, MONTANA

STATE BK OF EWEN EWEN, MICHIGAN

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 22, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/19/2009

09/17/2009

Bern Bancshares, Inc., Bern, Kansas, to acquire 

up to an additional 1.57 percent of the voting 

shares of UBT Bancshares, Inc., parent of 

United Bank & Trust, both in Marysville, 

Kansas, resulting in a total ownership of up to 

6.48 percent.

BERN BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

09/10/2009

Notification submitted by Richard A. Jensen, 

WaKeeney, Kansas; David J. Steeples, 

Stockton, Kansas; Lila J. Alexander, Houston, 

Texas; all as trustees; and Brian J. Berkley GST 

Trust, Stockton, Kansas; and James E. Berkley 

GST Trust, Stockton, Kansas, as members of the 

Berkley family group, to retain control of Relianz 

Bancshares, Inc., and thereby indirectly retain 

control of RelianzBank, both in Wichita, 

Kansas. In addition, a notification is submitted 

by Vicki A. Berkley, Stockton, Kansas, as 

trustee, to acquire individual control of Relianz 

Bancshares, Inc., and thereby indirectly acquire 

control of RelianzBank, both in Wichita, 

Kansas.

RELIANZ 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

 328151 CITIZENS ST BK, MILTONVALE, KANSAS 05/18/2009 08/06/2009 S Small Bank

CRA Examinations scheduled for Fourth Quarter of 2009 (October 1, 2009 - December 31, 2009)

Institution Location

AMERISTATE BK ATOKA, OKLAHOMA

BANK OF JACKSON HOLE JACKSON, WYOMING

BANK OF VERSAILLES VERSAILLES, MISSOURI

CENTENNIAL BK CENTENNIAL, COLORADO

CITIZENS FARMERS BK COLE CAMP COLE CAMP, MISSOURI

COMMUNITY BKS OF CO GREENWOOD VILLAGE, COLORADO

FIRST OPTION BK OSAWATOMIE, KANSAS

FIRSTBANK ANTLERS, OKLAHOMA

FREEDOM BK OKLAHOMA TULSA, OKLAHOMA

HIGH PLAINS BK FLAGLER, COLORADO

OREGON TRAIL BK GUERNSEY, WYOMING

PEOPLES EXCH BK BELLEVILLE, KANSAS

PLATTE VALLEY BK SCOTTSBLUFF, NEBRASKA

PLATTE VALLEY ST B&TC KEARNEY, NEBRASKA

THUNDER BK SYLVAN GROVE, KANSAS

UNION BK CHANDLER, OKLAHOMA

VALLEY ST BK SYRACUSE, KANSAS

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 22, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/10/2009

Notice by Aim Bancshares, Inc. 401(k) and 

Employee Stock Ownership Plan, Levelland, 

Texas, and Scott Wade, Levelland, Texas, and 

Kenneth Willmon, Levelland, Texas, as 

Trustees, to acquire an interest in Aim 

Bancshares, Inc., Levelland, Texas, and 

therefore indirectly acquire AimBank, Littlefield, 

Texas.

AIM BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

PlainsCapital Bank, Lubbock, Texas, to establish 09/04/2009

a branch to be located at 8200 IH-10 West, Suite 

120 San Antonio, Texas 78230.

PLAINSCAPITAL BANK

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 844567 POINTBANK, PILOT POINT, TEXAS 10/06/2008 03/30/2009 S Small Bank

CRA Examinations scheduled for Fourth Quarter of 2009 (October 1, 2009 - December 31, 2009)

Institution Location

FIRST BK MULESHOE, TEXAS

LONE STAR ST BK W TX LUBBOCK, TEXAS

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

Federal Reserve Bank of San Francisco

Filings received during the week ending August 22, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/02/2009

Notice by Alan Isaac Rothenberg, Beverly Hills, 

California, to acquire control of 1st Century 

Bancshares, Inc., Los Angeles, California, and 

thereby indirectly, 1st Century Bank, N.A., Los 

Angeles, California.

1ST CENTURY BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

08/24/2009

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

Creek Capital III LLC, Eggemeyer Capital LLC, 

Ruh Capital LLC, and Legions IV Advisory 

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

increase from 40.3 percent up to 55.0 percent 

their ownership of First Chicago Bancorp and 

indirectly First Chicago Bank and Trust 

Company, both of Chicago, Illinois, pursuant to 

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

Act.

CASTLE CREEK CAPITAL 

PARTNERS III, L.P.

Newspaper:

Federal Register:

CIC Not available

Not available

Dante B. Benedetti, Petaluma, California, and 

James M. Ryan, Santa Rosa, California, to 

become trustees of the Frank P. Doyle Trust, 

Article IX, and thereby retain voting control of 

Exchange Bank, both of Santa Rosa, California.

FRANK P. DOYLE TRUST, 

ARTICLE IX

Newspaper:

Federal Register:

* 3A3 Not available

09/21/2009

Franklin Resources, Inc., San Mateo, California, 

to acquire up to 7.0 percent of the voting shares 

of State Bank and Trust Company, Pinehurst, 

Georgia, pursuant to section 3(a)(3) of the Bank 

Holding Company Act.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Franklin Resources, Inc., San Mateo, California, 

to acquire up to 20.4 percent of the voting 

shares of Guaranty Bancorp, and thereby 

indirectly its subsidiary, Guaranty Bank & Trust 

Company, both of Denver, Colorado, pursuant 

to section 3(a)(3) of the Bank Holding Company 

Act.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

09/10/2009

Golden Pacific Bancorp, Sacramento, CA, to 

acquire 100 percent of Gold Country Financial 

Services, Inc, and thereby indirectly acquire 

Gold Country Bank, N.A., both of Marysville, 

CA.

Golden Pacific Bancorp, Inc.

Newspaper:

Federal Register:

* 3A3 08/30/2009

08/28/2009

Mitsubishi UFJ Financial Group, Inc., The Bank 

of Tokyo-Mitsubishi UFJ, Ltd, both of Tokyo, 

Japan, and UnionBanCal Corporation, San 

Francisco, California, to acquire Texas First 

Bank-Winnie, Winnie, Texas, and 

simultaneously merge it with and into Union 

Bank, National Association, San Francisco, 

California.

MITSUBISHI UFJ FINANCIAL 

GROUP, INC.

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

Filings received during the week ending August 22, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

Not available

SP Acquisition Holdings, Inc., New York, New 09/07/2009

York, to become a bank holding company by 

acquiring 100 percent of Frontier Financial 

Corporation, and indirectly its subsidiary, 

Frontier Bank, both of Everett, Washington.

SP ACQUISITION HOLDINGS, 

INC.

* 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 Fourth Quarter of 2009 (October 1, 2009 - December 31, 2009)

Institution Location

1ST PACIFIC BK CA SAN DIEGO, CALIFORNIA

BANK OF WHITMAN COLFAX, WASHINGTON

MISSION CMNTY BK SAN LUIS OBISPO, CALIFORNIA

NARA BK LOS ANGELES, CALIFORNIA

PACIFIC ST BK STOCKTON, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act