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 21, 2010

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

Forms -- final Board review to extend without revision the Home Mortgage 

Disclosure Act Loan/Application Register (FR HMDA/LAR) and Disclosure 

Requirements of Regulation CC (Expedited Funds Availability Act) and to extend 

with revision the Intermittent Survey of Businesses (FR 1374).

- Approved, August 19, 2010

Regulations and Policies

Regulation Z (Truth in Lending) -- (1) publication for comment of amendments to 

enhance consumer protections and disclosures for home mortgage transactions, 

including disclosures regarding a consumer's right to rescind certain loans secured by 

his or her principal dwelling, and disclosures and rules applicable to reverse 

mortgages, and (2) final rules to implement a statutory requirement that consumers 

receive a written notice after their mortgage loan is sold or transferred.

- Announced, August 16, 2010

Regulation Z (Truth in Lending) -- (1) interim final rule with request for comment to 

revise the disclosure requirements for scheduled payments for closed-end mortgage 

loans and (2) publication for comment of amendments to revise the escrow account 

requirements for higher-priced, first-lien "jumbo" mortgage loans.

- Announced, August 16, 2010

Regulation Z (Truth in Lending) -- final rules regarding certain loan-originator 

compensation practices for closed-end mortgage transactions, including rules to 

prohibit loan originators from directing, or "steering," consumers to loans that are not 

in their interest in order to increase the originator's compensation.

- Announced, August 16, 2010

H.2 Board Actions August 15, 2010 to August 21, 2010

(A/C) = Addition or Correction Board - Page 1 of 3
Enforcement

Barclays Bank PLC, London, England, and its New York, New York branch -- 

issuance by the Board and the New York State Banking Department of a consent 

cease and desist order against the bank and branch.

- Announced, August 18, 2010

Battle Creek State Company, Inc., Battle Creek, Nebraska, and Battle Creek State 

Bank -- written agreement with the Federal Reserve Bank of Kansas City and the 

Nebraska Department of Banking and Finance.

- Announced, August 19, 2010

First Banking Center, Burlington, Wisconsin -- issuance of a prompt corrective 

action directive with the consent of the bank.

- Announced, August 16, 2010

Madison Financial Corporation, Richmond, Kentucky, and Madison Bank -- written 

agreement with the Federal Reserve Bank of Cleveland and the Commonwealth of 

Kentucky Department of Financial Institutions.

- Announced, August 16, 2010

MidSouth Bank, Murfreesboro, Tennessee -- written agreement with the Federal 

Reserve Bank of Atlanta.

- Announced, August 19, 2010

Texas Star Bank, Van Alstyne, Texas -- issuance of a consent order of assessment of 

a civil money penalty.

- Announced, August 17, 2010

Union Bancshares, Inc., Marksville, Louisiana -- written agreement with the Federal 

Reserve Bank of Atlanta and the Louisiana Office of Financial Institutions.

- Announced, August 19, 2010

H.2 Board Actions August 15, 2010 to August 21, 2010

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

Wisconsin Bancshares, Inc., Kenosha, Wisconsin -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, August 18, 2010

H.2 Board Actions August 15, 2010 to August 21, 2010

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

August 15, 2010 to August 21, 2010

Bank Branches, Domestic

Susquehanna Bank, Lititz, Pennsylvania -- to establish a branch at 900 Kenilworth 

Drive, Towson, Maryland.

Philadelphia

- Approved, August 20, 2010

Uinta Bank, Mountain View, Wyoming -- to establish a branch at 120 Yellow Creek 

Road, Evanston.

Kansas City

- Approved, August 19, 2010

Bank Holding Companies

Ford Financial Fund, L.P., Dallas, Texas, et al. -- to become bank holding companies 

and to acquire shares of Pacific Capital Bancorp, Santa Barbara, California, and 

indirectly, Pacific Capital Bank, National Association; and to engage in activities 

related to extending credit, trust company functions, and investment advisory 

activities through the acquisition of PCB Service Corporation, Santa Barbara, 

California; Morton Capital Management, Calabasas; and R. E. Wacker Associates, 

Inc., San Luis Obispo.

Dallas

- Approved, August 16, 2010

Industry Bancshares, Inc., Industry, Texas -- to acquire The First National Bank of 

Shiner, Shiner.

Dallas

- Approved, August 16, 2010

(A/C) = Addition or Correction Delegated - 1 of 3
Bank Holding Companies

Mason National Bancshares, Inc., Mason, Texas -- to engage de novo in lending 

activities through the acquisition of loans from its subsidiary bank, Mason National 

Bank, Mason.

Dallas

- Withdrawn, August 20, 2010

Standard Financial Corporation, Murrysville, Pennsylvania -- to become a bank 

holding company and to acquire Standard Bank, PaSB, Murrysville.

Cleveland

- Approved, August 17, 2010

Veritex Holdings, Inc., Dallas, Texas -- to become a bank holding company and to 

acquire Professional Capital, Inc., Dallas, and Professional Bank, N.A.

Dallas

- Approved, August 20, 2010

Bank Mergers

Centennial Bank, Conway, Arkansas -- to purchase the assets and assume the deposit 

liabilities of Independent National Bank, Ocala, Florida, and Community National 

Bank at Bartow, Bartow, and to retain the acquired facilities as branches.

St. Louis

- Withdrawn, August 20, 2010

Centennial Bank, Conway, Arkansas -- to purchase the assets and assume the deposit 

liabilities of Independent National Bank, Ocala, Florida, and to retain the acquired 

facilities as branches.

St. Louis

- Withdrawn, August 20, 2010

H.2 Actions under delegated authority August 15, 2010 to August 21, 2010

(A/C) = Addition or Correction Delegated - 2 of 3
Bank Mergers

First Midwest Bank, Itasca, Illinois -- to purchase certain assets and assume certain 

deposits and other liabilities of Palos Bank and Trust Company, Palos Heights, and 

thereby establish 5 branches.

Chicago

- Approved, August 12, 2010

(A/C)

Change in Bank Control

Tower Financial Corporation, Fort Wayne, Indiana -- change in bank control of 

Tower Financial and its subsidiary bank, Tower Bank & Trust Company, Fort Wayne 

(two notices).

Chicago

- Permitted, August 19, 2010

International Operations

State Street Bank and Trust Company, Boston, Massachusetts, and State Street 

International Holdings -- waiver of remainder of notification period for State Street 

Bank Germany, GmbH, Munich, Germany, acting through its London branch, to join 

two European-based futures exchanges, Eurex Deutschland and the London 

International Financial Futures and Options Exchange, and their associated clearing 

houses.

Director, BS&R

- Granted, August 18, 2010

H.2 Actions under delegated authority August 15, 2010 to August 21, 2010

(A/C) = Addition or Correction Delegated - 3 of 3
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending August 21, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Fourth Quarter of 2010 (October 1, 2010 - December 31, 2010)

Institution Location

BANK OF EASTON NORTH EASTON, MASSACHUSETTS

NEEDHAM BK NEEDHAM, MASSACHUSETTS

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

Federal Reserve Bank of New York

Filings received during the week ending August 21, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/10/2010

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire fifty additional shares of 473 

Broadway Holding Corporation and to acquire 

one thousand five hundred additional shares of 

The Adirondack Trust Company,(the 

"Bank")both of Saratoga Springs, New York and 

after the fact approval for one hundred and 

eight shares for the Bank.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, THE

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Banco Popular North America, New York, New 

York request to open a branch office to be 

located at 66 Court Street, Brooklyn, New York.

BANCO POPULAR NORTH 

AMERICA

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of China Limited, Beijing, China, to 

establish a federal branch in Chicago, Illinois, 

pursuant to Section 211.24(a)(1) of Regulation 

K.

BANK OF CHINA LIMITED

* 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 2010 (October 1, 2010 - December 31, 2010)

Institution Location

ALDEN ST BK ALDEN, NEW YORK

BK OF MILLBROOK MILLBROOK, NEW YORK

BPD BK NEW YORK, NEW YORK

DEUTSCHE BK TC AMERICAS NEW YORK, NEW YORK

FIRST ST BK CANISTEO NY CANISTEO, NEW YORK

GOLDMAN SACHS BK USA NEW YORK, NEW YORK

GOTHAM BK OF NEW YORK NEW YORK, 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 21, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

07/20/2010

Patriot Financial Partners, GP, L.P., Patriot 

Financial Partners, L.P., Patriot Financial 

Partners Parallel, L.P., Patriot Financial Partners, 

GP, LLC, Patriot Financial Managers, L.P., and 

Messrs. Ira M. Lubert, W. Kirk Wycoff and 

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 19.2 percent of 

Palmetto Bancshares, Inc., Greenville, SC.

PATRIOT FINANCIAL 

PARTNERS LP

* 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 2010 (October 1, 2010 - December 31, 2010)

Institution Location

FIRST ST BK CANISTEO NY CANISTEO, NEW YORK

WOODLANDS BK WILLIAMSPORT, PENNSYLVANIA

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

Federal Reserve Bank of Cleveland

Filings received during the week ending August 21, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/31/2010

Interagency Notice of Change in Control by 

WVS Financial Corp. Employee Stock 

Ownerhsip Plan ("ESOP") and Jonathan D. 

Hoover, sole trustee, Pittsburgh, PA to retain 

12.2% and eventually acquire up to 24.9% of the 

outstanding common voting shares of WVS 

Financial Corp., Pittsburgh, PA.

WVS FINANCIAL CORP.

* 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 2010 (October 1, 2010 - December 31, 2010)

Institution Location

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

Federal Reserve Bank of Richmond

Filings received during the week ending August 21, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Virginia Partners Bank, Fredericksburg, Virginia, 

to establish a branch at 2521 Cowan Boulevard, 

Fredericksburg, Virginia.

VIRGINIA PARTNERS 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 Fourth Quarter of 2010 (October 1, 2010 - December 31, 2010)

Institution Location

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

Federal Reserve Bank of Atlanta

Filings received during the week ending August 21, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/18/2010

Prior change in control notice filed by Shelby 

Cicero Peeples, Jr., Dalton, Georgia, to acquire 

an additional 27.70 percent of the outstanding 

shares of FBD Holding Company, Inc., and its 

subsidiary, First Bank of Dalton, both of Dalton, 

Georgia. Total pro forma ownership will equal 

32.22 percent.

FBD HOLDING COMPANY, INC.

Newspaper:

Federal Register:

CIC Not available

08/25/2010

First Citizens-Crenshaw Bancshares, Luverne, 

Alabama, prior change in control filed by John 

Milton Wise, Sr., Lilellen Hicks Wise, Mack 

Arthur Wise, John Milton Wise, Jr., Stephanie 

Wise Jones, Michael Eugene Jones, Candace 

Aline Jones Sansing, Klein McCaegor Jones, 

and Sadie Ellen Jones, all of Luverne, Alabama, 

to collectively acquire an additional 9.34 percent 

of the outstanding shares of First 

Citizens-Crenshaw Bancshares, Inc., and its 

subsidiary, First Citizens Bank, both of Luverne, 

Alabama. Total pro forma ownership will equal 

25.34 percent.

FIRST CITIZENS-CRENSHAW 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

08/18/2010

After-the-fact change in control notice filed by 

Kenneth Richard Murray, Naples, Florida to 

retain 39.67 percent of the outstanding shares of 

Naples Bancorp, Inc., and its subsidiary bank, 

Bank of Naples, both of Naples, Florida.

NAPLES BANCORP, 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 Fourth Quarter of 2010 (October 1, 2010 - December 31, 2010)

Institution Location

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 21, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/10/2010

08/16/2010

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

additional $5 million (only $200,000 from C-B-G, 

Inc. and the remaining from executive officers, 

directors, and shareholders which are 

considered to be acting in concert) of common 

stock, or up to 50.01 percent, in Washington 

Bancorp, Washington, Iowa, and thereby 

increase it's indirect interest in Washington 

Bancorp's subsidiary, Federation Bank, 

Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

CIC Not available

08/23/2010

Notice by Betty J. Bradshaw 2000 Irrevocable 

Trust dated 10/30/00-Charles M. Shea, Trustee, 

to acquire shares of First Community 

Bancshares Corp., Anamosa, Iowa, and thereby 

indirectly acquire shares of First Community 

Bank, Milton, Wisconsin.

FIRST COMMUNITY 

BANCSHARES CORP.

* 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

 595430 STATE BK THE LAKES, ANTIOCH, ILLINOIS 05/08/2006 09/15/2006 S Large Bank

CRA Examinations scheduled for Fourth Quarter of 2010 (October 1, 2010 - December 31, 2010)

Institution Location

BANK OF GENEVA GENEVA, INDIANA

BLENCOE ST BK BLENCOE, IOWA

CHOICEONE BK SPARTA, MICHIGAN

CITIZENS BK FLINT, MICHIGAN

COLUMBUS JUNCTION ST BK COLUMBUS JUNCTION, IOWA

FARMERS ST BK OF WAUPACA WAUPACA, WISCONSIN

IOWA PRAIRIE BK BRUNSVILLE, IOWA

LEGACY BK MILWAUKEE, WISCONSIN

M&I MARSHALL & ILSLEY BK MILWAUKEE, WISCONSIN

MAQUOKETA ST BK MAQUOKETA, IOWA

NORTHERN TC CHICAGO, ILLINOIS

NORTHSIDE CMNTY BK GURNEE, ILLINOIS

STATE BK GENEVA GENEVA, ILLINOIS

TRI-CTY BK BROWN CITY, MICHIGAN

VILLAGE B&TC ARLINGTON HEIGHTS, ILLINOIS

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 21, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Evolve Bank & Trust, West Memphis, 

Arkansas, to become a member of the Federal 

Reserve System.

EVOLVE BANK & TRUST

* 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 Fourth Quarter of 2010 (October 1, 2010 - December 31, 2010)

Institution Location

ARVEST BK FAYETTEVILLE, ARKANSAS

BANK OF CROCKETT BELLS, TENNESSEE

BANK OF FAYETTE COUNTY MOSCOW, TENNESSEE

BANK OF LITTLE ROCK LITTLE ROCK, ARKANSAS

BANKERS BK OF KY FRANKFORT, KENTUCKY

FARMERS B&TC BLYTHEVILLE, ARKANSAS

FLORA B&TC FLORA, ILLINOIS

PREMIER BK OF JACKSONVILLE JACKSONVILLE, ILLINOIS

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending August 21, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/03/2010

Kirkwood Bancorporation Co., Bismarck, North 

Dakota and Kirkwood Bancorporation of 

Nevada, Inc., Las Vegas, Nevada, to acquire 

94.89% of Eagle Valley Bank, National 

Association, Saint Croix Falls, Wisconsin.

KIRKWOOD 

BANCORPORATION OF 

NEVADA, INC.

Newspaper:

Federal Register:

CIC 08/20/2010

08/25/2010

Sandra and Jule Jacobson, Plentywood, 

Montana, to acquire 10 percent or more of the 

shares of Treasure Bancorp, Inc., Plentywood, 

Montana, and thereby indirectly gain control of 

Montana State Bank, Plentywood, Montana; 

Edward and Lois Angvick, Medicine Lake, 

Montana, as a group acting in concert, to 

acquire 10 percent or more of the shares of 

Treasure Bancorp, Inc., Plentywood, Montana, 

and thereby indirectly gain control of Montana 

State Bank, Plentywood, Montana; and Walter 

Norbo, Plentywood, Montana; the Julia J. 

Norbo Exemption Trust, Plentywood, Montana; 

and Patsy Morstad, trustee of the Julia J. Norbo 

Exemption Trust, Plentywood, Montana, as a 

group acting in concert, to acquire 10 percent or 

more of the shares of Treasure Bancorp, Inc., 

Plentywood, Montana, and thereby indirectly 

gain control of Montana State Bank, 

Plentywood, Montana.

TREASURE BANCORP, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 147857 FIRST BK BLUE EARTH, BLUE EARTH, MINNESOTA 11/03/2008 08/13/2010 NI Small Bank

CRA Examinations scheduled for Fourth Quarter of 2010 (October 1, 2010 - December 31, 2010)

Institution Location

AMERICAN BK SAINT PAUL, MINNESOTA

FARMERS ST BK OF DENTON DENTON, MONTANA

FIRST BK BLUE EARTH BLUE EARTH, MINNESOTA

FIRST MT BK LIBBY, MONTANA

STOCKMENS BK CASCADE, MONTANA

SUPERIOR BK SUPERIOR, WISCONSIN

VALLEY BK OF HELENA HELENA, MONTANA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 21, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 08/12/2010

08/12/2010

Carroll County Bancshares, Inc, Carrollton, 

Missouri, to acquire 20 percent of Adams Dairy 

Bank, Blue Springs, Missouri, and thereby 

engage in the operation of a savings 

association.

CARROLL COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

09/16/2010

Country Bancshares, Inc., Jamesport, Missouri, 

to retain 13.06 percent of the voting shares of 

Liberty First Bancshares, Inc., parent of Patriots 

Bank, both in Liberty, Missouri.

COUNTRY BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 08/31/2010

09/01/2010

Notification submitted by Bart R. Kirchoff, 

Hollis, Oklahoma, individually and as a member 

of the Kirchoff family group; and Kim A. 

Kirchoff, Wimberly, Oklahoma, as a member of 

the Kirchoff family group, to retain control of 

Great Plains Bancshares, Inc., Hollis, Oklahoma, 

parent of Great Plains National Bank, Elk City, 

Oklahoma.

GREAT PLAINS 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 Fourth Quarter of 2010 (October 1, 2010 - December 31, 2010)

Institution Location

AMERICAN EXCH BK ELMWOOD, NEBRASKA

BANK OF HARTINGTON HARTINGTON, NEBRASKA

CITIZENS ST BK OF CORTEZ CORTEZ, COLORADO

COLORADO CMNTY BK YUMA, COLORADO

CORNERSTONE BK OVERLAND PARK, KANSAS

EXCHANGE BK OF MO FAYETTE, MISSOURI

FARMERS & MRCH BK ASHLAND ASHLAND, NEBRASKA

FIRST AMER BK PURCELL, OKLAHOMA

FIRST CMNTY BK EMPORIA, KANSAS

GUNNISON B&TC GUNNISON, COLORADO

INTERBANK ELK CITY, OKLAHOMA

PAYNE CTY BK PERKINS, OKLAHOMA

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 21, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Mason National Bancshares, Mason, Texas, to 

engage de novo in lending activities pursuant 

to Section 225.28(b)(1) of Regulation Y, through 

the acquisition of loans from its subsidiary 

bank, Mason National Bank, Mason, Texas.

MASON NATIONAL 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

09/08/2010

Notice by Clint Edwin Shepard II, Oak Ridge, 

Louisiana, individually, and as trustee of the 

Clint Edwin Shepard II Trust, Oak Ridge, 

Louisiana; and Virginia Sue Barr, Oak Ridge, 

Louisiana, individually, and as trustee of the 

Virginia Sue Shepard Barr Trust, Oak Ridge, 

Louisiana, to acquire 10 percent or more of the 

shares of Oak Ridge Bancshares, Inc., and 

indirectly Bank of Oak Ridge, both of Oak 

Ridge, Louisiana.

OAK RIDGE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

09/16/2010

Steele Holdings, Inc., Tyler, Texas, to become a 

bank holding company by acquiring 100 percent 

of American State Bank, Arp, Texas.

STEELE HOLDINGS, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Fourth Quarter of 2010 (October 1, 2010 - December 31, 2010)

Institution Location

HERITAGE BK PEARLAND, 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 21, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/15/2010

Anchor Bancorp, Inc., Lacey, Washington, to 

become a bank holding company by acquiring 

100 percent of Anchor Mutual Savings Bank, 

Aberdeen, Washington, upon conversion from 

a mutual savings bank to a stock savings bank.

ANCHOR BANCORP, INC.

Newspaper:

Federal Register:

CIC 09/07/2010

05/07/2010

The Bagge Family Bank Stock Trust of 2010, 

Claire J. and John F. Bagge, Trustees, Sunland, 

California, individually, and acting as a group in 

concert with Henry J. and Sandra M. Bagge, 

Merrimack, New Hampshire; Hope Bagge, 

Castaic, California; Jay Bagge, Castaic, 

California; James F. Bagge, Shadow Hills, 

California; Justin F. Bagge, Shadow Hills, 

California; and Joshua F. Bagge, Shadow Hills, 

California, to retain 10 percent or more of the 

voting shares of Mission Valley Bancorp, and 

thereby indirectly acquire Mission Valley Bank, 

both of Sunland, California.

MISSION VALLEY BANCORP

Newspaper:

Federal Register:

* 3A1 09/10/2010

09/10/2010

RBB Bancorp, Los Angeles, California, to 

become a bank holding company by acquiring 

100 percent of Royal Business Bank, Los 

Angeles, California.

RBB BANCORP

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Fourth Quarter of 2010 (October 1, 2010 - December 31, 2010)

Institution Location

BANK OF SACRAMENTO SACRAMENTO, CALIFORNIA

EAST WEST BK PASADENA, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act