Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 38 

Week Ending September 19, 2009

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

Forms -- initial Board review to extend without revision the disclosure and reporting 

requirements of CRA-related agreements (Reg G) and the disclosure requirements of 

subpart H of Regulation H (Consumer Protections in Sales of Insurance) (Reg H-7).

- Proposed, September 15, 2009

Forms -- final Board review (1) to extend without revision the Reports of Deposits 

(FR 2900, 2910a, 2915, and 2930) and Advanced Capital Adequacy Framework 

Information Collection (FR 4200) and (2) to implement the Supervisory and 

Regulatory Survey (FR 3052) and Consumer Protection Surveys (FR 3053). 

- Approved, September 17, 2009

Forms -- initial Board review (1) to extend without revision the Monthly Report of 

Traveler's Checks Outstanding (FR 2054) and Domestic Branch Notification filing 

requirements (FR 4001); (2) to revise without extension the Financial Statements of 

U.S. Nonbank Subsidiaries of U.S. Bank Holding Companies (FR Y-11), Financial 

Statements of Foreign Subsidiaries of U.S. Banking Organizations (FR 2314), 

Financial Statements of U.S. Nonbank Subsidiaries Held by Foreign Banking 

Organizations (FR Y-7N), and Consolidated Financial Statements for Bank Holding 

Companies (FR Y-9C); and (3) to extend with revision the Consolidated Bank 

Holding Company Report of Equity Investments in Nonfinancial Companies 

(FR Y-12).

- Proposed, September 19, 2009

Regulations and Policies

Consumer Compliance Supervision -- implementation of a consumer compliance 

supervision program in nonbank subsidiaries of bank holding companies and foreign 

banking organizations with activities covered by the consumer protection laws and 

regulations that the Federal Reserve has the authority to enforce.

- Announced, September 15, 2009

H.2 Board Actions September 13, 2009 to September 19, 2009

(A/C) = Addition or Correction Board - Page 1 of 2
Reserve Bank Operations

Reserve Bank Chairs and Deputy Chairs -- appointment of chairs and deputy chairs 

of the twelve Federal Reserve Banks for 2010.

- Announced, September 14, 2009

Enforcement

Century Bank of Florida, Tampa, Florida -- written agreement with the Federal 

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

- Announced, September 17, 2009

Colorado Mountain Bank, Denver, Colorado -- written agreement with the Federal 

Reserve Bank of Kansas City and the Colorado Division of Banking.

- Announced, September 14, 2009

FBOP Corporation, Oak Park, Illinois -- written agreement with the Federal Reserve 

Bank of Chicago.

- Announced, September 14, 2009

Irwin Financial Corporation, Columbus, Indiana, and Irwin Union Bank and Trust 

Company -- issuance of a consent cease and desist order by the Board and the 

Indiana Department of Financial Institutions.

- Announced, September 16, 2009

Security Financial Services Corporation, Durand, Wisconsin, and Security Financial 

Bank -- written agreement with the Federal Reserve Bank of Minneapolis and the 

Wisconsin Department of Financial Institutions.

- Announced, September 17, 2009

H.2 Board Actions September 13, 2009 to September 19, 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

September 13, 2009 to September 19, 2009

Bank Holding Companies

Bank of America Corporation, Charlotte, North Carolina -- request for an exemption 

under the Depository Institution Management Interlocks Act and Regulation L.

General Counsel

- Granted, September 17, 2009

Castle Creek Capital Partners III, L.P., et al., Rancho Santa Fe, California -- to 

increase their ownership of First Chicago Bancorp, Chicago, Illinois, and indirectly 

First Chicago Bank and Trust Company.

San Francisco

- Approved, September 14, 2009

Farmers & Merchants Bancorp, Inc., Hannibal, Missouri -- to become a bank holding 

company on conversion of its thrift subsidiary, F&M Bank and Trust Company, 

Hannibal, to a state-chartered bank.

St. Louis

- Withdrawn, September 14, 2009

Happy Bancshares, Inc., Canyon, Texas; Happy Bancshares of Delaware, Inc., 

Dover, Delaware; and Happy State Bank, Happy, Texas -- waiver of application to 

acquire, through a series of transactions, First Canadian Bancorp, Inc., Canadian, 

Texas, and its subsidiaries, in connection with the merger of Happy State Bank, 

Happy, and The First National Bank of Canadian, Canadian.

Dallas

- Granted, September 14, 2009

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

Heart of Georgia Bancshares, Inc., Mount Vernon, Georgia -- to acquire The Tattnall 

Bank, Reidsville.

Atlanta

- Withdrawn, September 16, 2009

Market Street Bancshares, Inc., Mount Vernon, Illinois -- to engage in lending 

activities through its subsidiary, PNB Asset Management, LLC, Mount Vernon.

St. Louis

- Approved, September 17, 2009

Southern Bancorp, Inc., Arkadelphia, Arkansas -- to merge with First Delta 

Bankshares, Inc., Blytheville, and thereby acquire The First National Bank in 

Blytheville and Bank of Trumann, Trumann.

Secretary

- Approved, September 15, 2009

Banks, Foreign

Bank of the Federated States of Micronesia, Pohnpei, Federated States of Micronesia 

-- relief from a commitment.

San Francisco

- Withdrawn, September 16, 2009

Canadian Imperial Bank of Commerce, Toronto, Canada -- to retain an agency in 

New York, New York.

Director, BS&R

- Approved, September 17, 2009

H.2 Actions under delegated authority September 13, 2009 to September 19, 2009

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

Citizens State Bankshares of Bald Knob, Inc., Bald Knob, Arkansas -- to retain 

control of Citizens and it subsidiary bank, Citizens State Bank, Bald Knob.

St. Louis

- Permitted, September 17, 2009

Petit Jean Bancshares, Inc., Morrilton, Arkansas -- to retain control of Petit Jean and 

its subsidiary bank, Petit Jean State Bank, Morrilton.

St. Louis

- Permitted, September 17, 2009

Pioneer Community Group, Inc., Iaeger, West Virginia -- to retain control of Pioneer 

and its subsidiary bank, Pioneer Community Bank, Inc., Iaeger.

Richmond

- Permitted, September 18, 2009

Extensions of Time

Compass Bank, Birmingham, Alabama -- extension to October 30, 2009, to establish 

a branch at 450 Highway 528, Bernalillo, New Mexico.

Atlanta

- Granted, September 15, 2009

Compass Bank, Birmingham, Alabama -- extension to December 15, 2010, to 

establish a branch at 11091 Broadway Street, Pearland, Texas.

Atlanta

- Granted, September 15, 2009

H.2 Actions under delegated authority September 13, 2009 to September 19, 2009

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

American Express Centurion Bank, Salt Lake City, Utah -- to become a member of 

the Federal Reserve System.

San Francisco

- Withdrawn, September 16, 2009

H.2 Actions under delegated authority September 13, 2009 to September 19, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending September 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Northeast Bank, Lewiston, Maine - application 09/30/2009

to establish a new branch office at 1399 Maine 

Street, Poland, Maine

NORTHEAST BANK

* 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 September 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

The Goldman Sachs Group, Inc., New York, New 

York, to retain 9.0 percent of the outstanding 

common stock of Atlantic Capital Bancshares, 

Inc., which is the direct parent of Atlantic 

Capital Bank, both of Atlanta, Georgia, pursuant 

to Section 3(a)(3) of the BHC Act of 1956, as 

amended, and Section 225.15 of Regulation Y.

GOLDMAN SACHS GROUP, INC., 

THE

Newspaper:

Federal Register:

* 3A3 Not available

Not available

The Goldman Sachs Group, Inc., New York, New 

York, to retain 9.8 percent of the outstanding 

common stock of Avenue Financial Holdings, 

Inc., which is the direct parent of Avenue Bank, 

both of Nashville, Tennessee, pursuant to 

Section 3(a)(3) of the BHC Act of 1956, as 

amended, and Section 225.15 of Regulation Y.

GOLDMAN SACHS GROUP, INC., 

THE

Newspaper:

Federal Register:

* 3A3 Not available

* 4c8 Not available

The Goldman Sachs Group, Inc., New York, New 

York, to retain 6.6 percent of a class of voting 

securities of Doral Holdings, L.P., and indirectly 

Doral Bank, both of San Juan, Puerto Rico, 

pursuant to Section 3(a)(3) of the BHC Act of 

1956, as amended, and Section 225.15 of 

Regulation Y, and also retain indirect interest in 

Doral Bank, FSB, New York, New York, a federal 

savings association and indirect subsidiary of 

Doral Holdings, L.P., pursuant to Section 4(c)(8) 

and 4(j) of the BHC Act of 1956, as amended 

and Section 225.24 of Regulation Y.

GOLDMAN SACHS GROUP, INC., 

THE

Newspaper:

Federal Register:

* 4c8 Not available

Not available

The Goldman Sachs Group, Inc., New York, New 

York, to retain its indirect interest in The First 

Marblehead Corporation, Boston, 

Massachusetts, which is the parent of Union 

Federal Savings Bank, North Providence, Rhode 

Island, pursuant to Section 4(c)(8) and 4(j) of 

the BHC Act of 1956, as amended, and Section 

225.24 of Regulation Y.

GOLDMAN SACHS GROUP, INC., 

THE

* 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 September 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 10/05/2009

10/05/2009

Jay Sidhu, Mohnton, PA, to purchase up to 

13% of the voting shares of New Century Bank, 

Phoenixville, PA.

NEW CENTURY BANK

* 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 September 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 10/05/2009

10/06/2009

Interagency Notices of Change in Bank Control 

filed by six immediate family control groups 

(Davis, Cooper, Merrick, Rakestraw, Waddle, 

and Hawkins) for each immediate family control 

group to acquire 10 percent or more of the 

outstanding voting shares and control of 

Citizens Bancshares, Inc., thereby indirectly 

acquiring control of The Citizens National Bank 

of Somerset, both of Somerset, Kentucky.

CITIZENS BANCSHARES, INC.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending September 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 10/03/2009

10/02/2009

CapGen Capital Group III LLC, New York, New 

York, and CapGen Capital Group III LP, New 

York, New York, to become bank holding 

companies through the acquisition of 10.2% of 

the voting securities of Seacoast Banking 

Corporation of Florida, Stuart, Florida, and 

indirectly acquire Seacoast National Bank, 

Stuart, Florida.

CAPGEN CAPITAL GROUP III 

LLC

Newspaper:

Federal Register:

* 3A1 09/30/2009

10/09/2009

First American Financial Management 

Company, Salisbury, North Carolina, to become 

a bank holding company through the 

acquisition of 100% of the voting securities of 

Community Bank of Rowan, Salisbury, North 

Carolina.

FIRST AMERICAN FINANCIAL 

MANAGEMENT COMPANY

* 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 September 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/22/2009

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.

* 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 September 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

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:

* 18C Not available

* Branch Not applicable

First Farmers Bank & Trust, Converse, Indiana, 

to merge with Central Bank, Russiaville, Indiana, 

and thereby to establish two branches to be 

located at 160 W. Main Street, Russiaville, 

Indiana and 501 West Lincoln Road, Kokomo, 

Indiana.

FIRST FARMERS BANK & 

TRUST

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

Not available

Notice by Robert D. Fleming, Ipava, Illinois and 

Phyllis A. Fleming, Ipava, Illinois, to retain 15.70 

percent of the voting shares of ISB Bancshares, 

Inc., Ipava, Illinois, and thereby indirectly retain 

control of Ipava State Bank, Ipava, Illinois.

ISB BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Joseph J. Dietz, Lewistown, Illinois,

to retain 13.85 percent of the voting shares of 

ISB Bancshares, Inc., Ipava, Illinois, and 

thereby indirectly retain control of Ipava State 

Bank, Ipava, Illinois.

ISB BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by TRSD Holdings, LP, Warren, 

Michigan, and its general partner, the Thomas 

Fabbri Revocable Trust, Thomas Fabbri, as 

trustee, Sterling Heights, Michigan, to acquire 

more than 10 percent of the voting shares of 

Level One Bancorp, Inc., Farmington Hills, 

Michigan, and thereby indirectly acquire control 

of Level One Bank, Farmington Hills, Michigan.

LEVEL ONE BANCORP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/30/2009

Notice filed individually by Douglas N. 

Neighbor, Kent M. Neighbor, and Gene R. 

Neighbor to each own 16.122 percent and by the 

Neighbor Family - Doug and Marva Neighbor, 

Marion, Iowa; Gene and Betty Jean Neighbor, 

Alburnett, Iowa, and Kent and Irene Neighbor, 

Winthrop, Iowa, and their children (Sandra K. 

Waring, Walker, Iowa; Steven K. Neighbor, 

Center Point, Iowa; Scott M. Neighbor, Center 

Point, Iowa; Mark A. Neighbor, Center Point, 

Iowa; Eldon L. Neighbor, Central City, Iowa; 

Konnie I. Borrett, Marion, Iowa; Stephanie R. 

Neighbor, Cedar Rapids, Iowa; Brent B. 

Neighbor, Tijeras, New Mexico; Brad D. 

Neighbor, Espanola, New Mexico; Todd D. 

Neighbor, Marion, Iowa; Jason M. 

Neighbor,Alburnett, Iowa; and Michael G. 

Neighbor, Bettendorf, Iowa) as a group acting in 

concert, for approval to retain control of 100 

percent of Neighbor Insurance Agency, Marion, 

Iowa, and thereby indirectly control Farmers 

State Bank, Marion, Iowa.

NEIGHBOR INSURANCE 

AGENCY, 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 September 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Southern Bank, Poplar Bluff, Missouri, to 

become a member of the Federal Reserve 

System.

SOUTHERN BANK

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending September 19, 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 September 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch

Premises

Not applicable

Country Club Bank, Kansas City, Missouri, to 10/10/2009

merge with MidAmerican Bank & Trust 

Company, N.A., Leavenworth, Kansas, and 

Allen Bank and Trust Company, Harrisonville, 

Missouri, and incident thereto to establish 7 

branches, and to operate under the title of 

Country Club Bank, Kansas City, Missouri. 

Country Club Bank, Kansas City, Missouri, to 

increase its investment in bank premises in the 

amount of $25,760,000.

COUNTRY CLUB BANK

Newspaper:

Federal Register:

* 3A1 10/13/2009

10/13/2009

Linn County Bancshares, Inc., Brookfield, 

Missouri, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of and subsequent merger with 

First Missouri Bancshares, Inc., parent of First 

Missouri National Bank, both in Brookfield, 

Missouri.

LINN COUNTY BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/16/2009

Pratt Community Bancshares, Inc., Pratt, 

Kansas, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of and subsequent merger with 

First Pratt Bancshares, Inc., parent of First 

National Bank in Pratt, both in Pratt, Kansas.

PRATT COMMUNITY 

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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending September 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Mr. Harmon A. Brown, Oak Park, 

Illinois, as independent trustee of the LCK 1993 

Trust, LCK Dynasty Trust, LCK Legacy Trust, 

the Katz Millennium Trust, and LCK Trust #2, 

that together own voting shares of First 

Community Bancshares, Inc., Killeen, Texas, 

and indirectly acquire First National Bank Texas, 

Killeen, Texas, and Fort Hood National Bank, 

Fort Hood, Texas.

FIRST COMMUNITY 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 09/27/2009

09/29/2009

Notice by Robert B. Dunkin, Sr., Harlingen, 

Texas; Gilbert Garza, San Benito, Texas; and 

Fred L. Cole, Jr., Harlingen, Texas, as Trustees 

of a Voting Trust Agreement ("Agreement") 

with respect to First San Benito Bancshares 

Corporation (the "Company"), San Benito, 

Texas, along with the shareholders that are 

parties to the Agreement: James S. Benson, 

Harlingen, Texas; Fred & Martha Cole, Jr., 

Harlingen, Texas; Elizabeth Ann Cole, 

Harlingen, Texas; Charles A. Cox, 

Tampico,Tamaulipas, Mexico; Wendell J. Cox, 

Rockwall, Texas; Betty Joyce DeCarriere, San 

Benito, Texas; Annette Dillard, Georgetown, 

Texas; Lee Roy Dillard Jr., Georgetown, Texas; 

Robert B. Dunkin, Sr., Harlingen, Texas; Robert 

B. Dunkin, II, West Palm Beach, Florida; Charles 

O. Eubanks, Harlingen, Texas; Gilbert Garza, San 

Benito, Texas; Sue Ann Holloman, Harlingen, 

Texas; Estate of Warren Jackson, San Benito, 

Texas; Angelia G. Leal, San Benito, Texas; 

Tracey M. Longshore, Friendswood, Texas; 

Elisa or Joe E. Lopez, Harlingen, Texas; Joaquin 

L. Lopez, McAllen, Texas; F.L. or Concepcion 

Lopez, Jr., Harlingen, Texas; Carlos Muniz, 

Harlingen, Texas; Janet Miles Murphy, 

Birmingham, Alabama; John F. & Ann K. 

Phillips, Jr., Harlingen, Texas; Beto & Carmen 

Ramirez, San Benito, Texas; Phyllis M. 

Robinson, Burlington, Iowa; Beatriz Rodriguez, 

San Benito, Texas; Harry Shimotsu, La Feria, 

Texas; Kenneth Shimotsu, San Benito, Texas; 

Robert L. Tumberlinson, San Benito, Texas; 

Thomas C. Washmon, Austin, Texas; Lucy Ann 

Wolthoff, Harlingen, Texas; and Joe C. Weaver, 

Dallas, Texas, have applied to the Federal 

Reserve Board for permission to acquire control 

of 25% or more of the shares of the Company 

and thereby control of Company and its indirect 

subsidiary, First Community Bank, National 

Association, San Benito, Texas.

FIRST SAN BENITO 

BANCSHARES CORPORATION

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending September 19, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

BW Acquisition, LLC, Fountain Green, Utah, to 

become a bank holding company by acquiring 

57.7 percent of Utah Community Bancorp and 

thereby indirectly Utah Community Bank, both 

of Sandy, Utah.

BW Acquisition, LLC

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

09/22/2009

Franklin Resources, Inc., San Mateo, California, 

to retain 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:

CIC Not available

10/05/2009

Notice of Change in Control by Astrid Salim, 

Singapore, and Axton Salim, Jakarta, Indonesia, 

to individually acquire 7.5% of the shares of 

GBC Holdings, Inc., and thereby indirectly GBC 

International Bank, both of Los Angeles, 

California.

GBC HOLDINGS, 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

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change in Control by Alma Medina 

Vivar, Daly City, California, to acquire 5.46 

percent of MNB Holdings, Inc., and thereby 

indirectly Mission National Bank, both of San 

Francisco, California.

MNB HOLDINGS CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

09/25/2009

Private Bancorp of America, Inc., to become a 

bank holding company by acquiring 100 percent 

of San Diego Private Bank, both of La Jolla, 

California.

PRIVATE BANCORP OF 

AMERICA, 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 Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act