Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 31 

Week Ending August 1, 2009

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

Term Auction Facility -- TAF auction in the amount of $125 billion in 28-day credit 

on July 27, 2009.

- Announced, July 27, 2009

Regulations and Policies

Regulation Z (Truth in Lending) -- final amendments to revise the disclosure 

requirements for private education loans consistent with provisions of the Higher 

Education Opportunity Act.

- Approved, July 27, 2009

Enforcement

American Bancorporation, St. Paul, Minnesota, and American Bank of St. Paul -- 

written agreement with the Federal Reserve Bank of Minneapolis.

- Announced, July 30, 2009

Bank Hapoalim, B.M., Tel Aviv, Israel, and its Aventura, Florida, branch -- written 

agreement with the Federal Reserve Banks of New York and Atlanta and the Florida 

Office of Financial Regulation.

- Announced, July 28, 2009

Buckeye Bancshares, Inc., Lorain, Ohio, and Buckeye Community Bank -- written 

agreement with the Federal Reserve Bank of Cleveland and the Ohio Division of 

Financial Institutions.

- Announced, July 30, 2009

Centennial Bankshares, Inc., Ogden, Utah -- written agreement with the Federal 

Reserve Bank of San Francisco.

- Announced, July 27, 2009

H.2 Board Actions July 26, 2009 to August 1, 2009

(A/C) = Addition or Correction Board - Page 1 of 2
Enforcement

The Colonial BancGroup, Inc., Montgomery, Alabama -- issuance of a consent cease 

and desist order against Colonial.

- Announced, July 27, 2009

Middleburg Bank, Middleburg, Virginia -- issuance of a consent order of prohibition 

against Ronnie A. Jenkins, a former vice president, loan officer, and 

institution-affiliated party of the bank.

- Announced, July 30, 2009

Sunrise Bank, Cocoa Beach, Florida -- written agreement with the Federal Reserve 

Bank of Atlanta and the State of Florida Office of Financial Regulation.

- Announced, July 29, 2009

H.2 Board Actions July 26, 2009 to August 1, 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

July 26, 2009 to August 1, 2009

Bank Branches, Domestic

Banco Popular North America, New York, New York -- to establish a branch at 515 

West 6th Street, Los Angeles, California.

Secretary

- Approved, July 30, 2009

Bank Holding Companies

Capital One Financial Corporation, McLean, Virginia -- waiver of an application to 

acquire Chevy Chase Bank, National Association, McLean (on conversion of Chevy 

Chase Bank, F.S.B., to a national bank by that name), in connection with the merger 

of Chevy Chase Bank, National Association, and Capital One's subsidiary bank, 

Capital One, National Association.

Richmond

- Granted, July 28, 2009

Castle Creek Capital Partners III LP, Rancho Santa Fe, California; Castle Creek 

Capital III LLC; Eggemeyer Capital LLC; Ruh Capital LLC; and Legions IV 

Advisory Corp. -- to acquire shares of Guaranty Bancorp, Denver, Colorado, and 

thereby acquire its subsidiary bank, Guaranty Bank and Trust Company.

San Francisco

- Approved, July 27, 2009

Community First Financial Corporation, Kokomo, Indiana -- to become a bank 

holding company and to acquire Community First Bank of Howard County, 

Kokomo.

Chicago

- Approved, July 27, 2009

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

Intercontinental Bankshares, Inc., Coral Gables, Florida -- to acquire shares of 

Intercontinental Bank, West Miami.

Atlanta

- Approved, July 29, 2009

Norlo, Inc., Prior Lake, Minnesota -- to engage de novo in lending activities.

Minneapolis

- Approved, July 29, 2009

Prairieland Bancorp Employee Stock Ownership Plan and Trust, Bushnell, Illinois -- 

to increase its ownership in Prairieland Bancorp, Inc., Bushnell, and thereby increase 

its ownership in Merchants and Farmers State Bank of Bushnell.

Chicago

- Approved, July 28, 2009

Bank Mergers

Arvest Bank, Fayetteville, Arkansas -- to purchase certain assets and assume certain 

deposits and liabilities of First State Bank of Altus, Altus, Oklahoma, and thereby 

establish a branch.

St. Louis

- Withdrawn, July 31, 2009

Sonabank, McLean, Virginia -- to acquire certain assets and assume certain liabilities 

of the Warrenton branch of Millennium Bank, N.A., Reston, and thereby establish a 

branch.

Richmond

- Approved, July 31, 2009

H.2 Actions under delegated authority July 26, 2009 to August 1, 2009

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

First Team Resources Corporation, Derby, Kansas -- change in bank control of First 

Team and its subsidiary bank, Verus Bank, N.A., Derby.

Kansas City

- Permitted, July 31, 2009

Guaranty Bancorp, Denver, Colorado -- change in bank control of Guaranty and its 

subsidiary bank, Guaranty Bank and Trust Company, Denver.

Kansas City

- Permitted, July 27, 2009

NorthStar Banking Corporation, Tampa, Florida -- change in bank control of 

NorthStar and its subsidiary bank, NorthStar Bank, Tampa.

Atlanta

- Permitted, July 28, 2009

Extensions of Time

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

Springs, New York -- extension to September 20, 2009, to acquire additional shares 

of 473 Broadway Holding Corporation, Saratoga Springs, and of The Adirondack 

Trust Company.

New York

- Granted, July 29, 2009

Bank Iowa, Oskaloosa, Iowa -- extension to November 1, 2009, to purchase the 

assets and assume the liabilities of the Newton branch of Bank Iowa, Altoona, and 

thereby establish a branch.

Chicago

- Granted, July 30, 2009

H.2 Actions under delegated authority July 26, 2009 to August 1, 2009

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

Deutsche Bank Aktiengesellschaft, Frankfurt Am Main, Germany -- extension to 

November 2, 2009, for Deutsche Bank AG, Frankfurt; Taunus Corporation, New 

York, New York; and Deutsche Bank Trust Corporation to acquire Deutsche Bank 

Trust Company, National Association, New York, as part of an internal 

reorganization.

New York

- Granted, July 31, 2009

Financial Holding Companies 

Metropolitan Capital Bancorp, Inc., Chicago, Illinois -- election to become a 

financial holding company.

Chicago

- Effective, July 27, 2009

H.2 Actions under delegated authority July 26, 2009 to August 1, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending August 1, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

07/23/2009

07/27/2009

Application by Conahasset Bancshares, MHC, 

and Conahasset Bancshares, Inc., both of 

Cohasset, Massachusetts, to become a mutual 

bank holding company and stock bank holding 

company, respectively, by acquiring Pilgrim 

Bank, Cohasset, Massachusetts, pursuant to 

sections 3(a)(1) and 3(a)(3) of the Bank Holding 

Company Act of 1956, as amended.

CONAHASSET BANCSHARES 

MHC

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 Not available

Application filed by Danvers Bancorp, Inc., 

Danvers, Massachusetts to acquire through 

merger Beverly National Corporation and 

Beverly National Bank, all located in Beverly, 

Massachusetts, pursuant to sections 3(a)(3) 

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

DANVERS BANCORP, INC.

* 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 August 1, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/28/2009

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire twenty five additional shares of 

473 Broadway Holding Corporation and to 

acquire one thousand additional shares of The 

Adirondack Trust Company, both of Saratoga 

Springs, New York.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, THE

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

The Bank of New York Mellon, New York, New 

York, to make an additional investment in The 

Bank of New York Mellon S.A./N.V., Brussels, 

Belgium, pursuant to Section 211.9(f) of 

Regulation K.

BANK OF NEW YORK MELLON, 

THE

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 08/09/2009

Buffalo, New York, request to establish a branch 

office located at 4915 Executive Park Drive, 

Columbia, Howard County, Maryland.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

* 3A3 08/27/2009

07/28/2009

Morgan Stanley, New York, New York, to retain 

9.2 percent of the common stock and acquire 

additional shares up to a total of 9.9 percent of 

the common stock of Community Bankers Trust 

Corporation, Glen Allen, Virginia, pursuant to 

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

Act of 1956, as amended, and Section 225.14 of 

Regulation Y.

MORGAN STANLEY

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending August 1, 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 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 August 1, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Fifth Third Bank, Cincinnati, OH to merge with 

Fifth Third Bank, Grand Rapids, MI and incident 

thereto establish branches.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Fifth Third Bank, Cincinnati, OH to merge with 

Fifth Third Bank, National Association, 

Nashville, TN and incident thereto establish 

branches.

FIFTH THIRD BANK

* 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 August 1, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The First Bank and Trust Company, Lebanon, 08/14/2009

Virginia, to establish a branch at 101 Annjo 

Court, Forest, Virginia.

FIRST BANK AND TRUST 

COMPANY, THE

Newspaper:

Federal Register:

* Branch

Not applicable

Sandy Spring Bank, Olney, Maryland, to 08/07/2009

establish a branch at 1 Catoctin Circle, N.E., 

Leesburg, Virginia.

SANDY SPRING BANK

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending August 1, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Alliance Bancshares, Inc., to engage through its 

wholly-owned subsidiary, Cuyler Street, LLC, 

both of Dalton, Georgia, in making, acquiring, 

brokering loans, or other extensions of credit.

ALLIANCE BANCSHARES, 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

 2737029 FIRST CMRL BK OF FL, ORLANDO, FLORIDA 03/16/2009 07/24/2009 S Int Sm 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 August 1, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/14/2009

C-B-G, Inc., West Liberty, Iowa, to acquire up to 

$5,000,000 in additional stock and increase its 

ownership to up to 50.01 percent of 

Washington Bancorp, Washington, Iowa, and 

thereby indirectly increase its ownership of 

Federation Bank, Washington, Iowa.

C-B-G, 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

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 August 1, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Business Bancshares, Inc., Clayton, Missouri, 

to engage in lending activities through its 

subsidiary, Meramec Assets, LLC, Clayton, 

Missouri.

BUSINESS BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Centennial Bank, Conway, Arkansas, to 08/05/2009

establish a mobile branch in Saline County, 

Arkansas.

CENTENNIAL BANK

Newspaper:

Federal Register:

* 3A5 08/28/2009

08/28/2009

Southern Bancorp, Inc., Arkadelphia, Arkansas, 

to acquire through merger, First Delta 

Bankshares, Inc., Blytheville, Arkansas, and 

thereby indirectly acquire Bank of Trumann, 

Trumann, Arkansas, and First National Bank in 

Blytheville, Blytheville, Arkansas.

SOUTHERN BANCORP, INC

Newspaper:

Federal Register:

* 3A1 08/31/2009

08/27/2009

St. Jacob Bancshares, Inc., St. Jacob, Illinois, to 

become a bank holding company by acquiring 

100 percent of State Bank of St. Jacob, St. Jacob, 

Illinois.

ST. JACOB 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

 311845 ARVEST BK, FAYETTEVILLE, ARKANSAS 11/03/2008 07/10/2009 S Large Bank

 2594240 CAPITAL BK, LITTLE ROCK, ARKANSAS 01/26/2009 06/18/2009 S Small Bank

 361279 COMMUNITY BK, LEXINGTON, TENNESSEE 03/23/2009 06/29/2009 S Small Bank

 894151 MID AMERICA B&TC, DIXON, MISSOURI 03/23/2009 07/13/2009 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 August 1, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/27/2009

08/24/2009

State Bank of Hawley Employee Stock 

Ownership Plan and Trust, Hawley, Minnesota, 

to acquire 51.92% of Bankshares of Hawley, 

Inc., Hawley, Minnesota, and thereby indirectly 

acquire State Bank of Hawley, Hawley, 

Minnesota.

STATE BANK OF HAWLEY 

EMPLOYEE STOCK OWNERSHIP 

PLAN & TRUST

* 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 August 1, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 08/24/2009

07/27/2009

Cache Holdings, Inc., Tulsa, Oklahoma, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Healthcare Bancorp, Inc., parent of First 

BankCentre, both in Broken Arrow, Oklahoma.

CACHE HOLDINGS, 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

 704559 METCALF BK, LEES SUMMIT, MISSOURI 04/13/2009 07/23/2009 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 1, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

08/20/2009

Community Trust Financial Corporation, 

Ruston, Louisiana, to acquire by merger First 

Louisiana Bancshares, Inc., Shreveport, 

Louisiana, and indirectly acquire First 

Louisiana Bank, Shreveport, Louisiana.

COMMUNITY TRUST 

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Texas First Bank, Texas City, Texas, to merge 

with affiliate Texas First Bank-Winnie, Winnie, 

Texas, and to establish branches at the 

following locations: 210 Highway 124, Winnie, 

Texas 77665; 519 Rollingbrook Drive, Baytown, 

Texas 77521; and Highway 124 and F.M. 365, 

Fannett, Texas 77705.

TEXAS FIRST 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

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 August 1, 2009

Filer Filing Type Filing Proposal End of Comment Period

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:

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

Newspaper:

Federal Register:

CIC Not available

07/06/2009

Notice by Donald and Donna Nelson, to retain 

10.9 percent of State Bank Corp., and indirectly 

its subsidiary, Mohave State Bank, both of Lake 

Havasu City, Arizona.

STATE BANK CORP.

Newspaper:

Federal Register:

* 3A3 Not available

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 First State 

Bank-Winnie, Winnie, Texas, and 

simultaneously merge it with and into Union 

Bank, National Association, San Francisco, 

California.

UNIONBANCAL CORPORATION

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 207872 FIRST UT BK, SALT LAKE CITY, UTAH 03/30/2009 07/21/2009 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act