Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 30 

Week Ending July 24, 2010

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony and Statements

International Cooperation and Financial Regulatory Modernization -- statement by 

Governor Daniel K. Tarullo before a subcommittee of the Senate Committee on 

Banking, Housing, and Urban Affairs on developments in international regulatory 

reform and U.S. government priorities for regulatory cooperation.

- Published, July 20, 2010

The State of U.S. Coins and Currency -- statement by Louise L. Roseman, director, 

Division of Reserve Bank Operations and Payment Systems, before a subcommittee 

of the House Committee on Financial Services on Federal Reserve activities related 

to currency and coin.

- Published, July 20, 2010

Bank Holding Companies

Morgan Stanley, New York, New York -- commenter's request for review of the 

Federal Reserve Bank of New York's approval of the application by Morgan Stanley 

to acquire Morgan Stanley Private Bank, National Association, Jersey City, New 

Jersey.

- Denied, July 20, 2010

The Toronto-Dominion Bank, Toronto, Canada; TD US P&C Holdings ULC, 

Calgary; and TD Bank US Holding Company, Portland, Maine -- to acquire The 

South Financial Group, Inc., Greenville, South Carolina, and its subsidiary 

bank, Carolina First Bank.

- Approved, July 22, 2010

Monetary and Financial Policy

Term Asset-Backed Securities Loan Facility -- agreement with the Department of the 

Treasury regarding a reduction of credit protection provided for the TALF under the 

Troubled Asset Relief Program.

- Announced, July 20, 2010

H.2 Board Actions July 18, 2010 to July 24, 2010

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

Division of Banking Supervision and Regulation -- appointment of Maryann Hunter 

as deputy director; Barbara Bouchard, Mike Foley, Jack Jennings, Arthur Lindo, 

Peter Purcell, William Spaniel, and Mark Van Der Weide as senior associate 

directors; Kevin Bertsch, Betsy Cross, and Nida Davis as associate directors; James 

Embersit as deputy associate director; Philip Aquilino, Kevin Clarke, Adrienne 

Haden, Anna L. Hewko, Michael Kraemer, and Richard Naylor as assistant directors; 

and Norah Barger as senior adviser as part of a division restructuring.

- Announced, July 20, 2010

Reserve Bank Operations

Reserve Bank Directors -- designation of chairs and deputy chairs of the twelve 

Federal Reserve Banks for 2011.

- Announced, July 19, 2010

Enforcement

Bank VI, Salina, Kansas -- written agreement with the Federal Reserve Bank of 

Kansas City and the State of Kansas Office of the State Bank Commissioner.

- Announced, July 20, 2010

Cecil Bank, Elkton, Maryland -- issuance of a consent order of assessment of a civil 

money penalty.

- Announced, July 22, 2010

Pacific State Bank, Stockton, California -- issuance of a prompt corrective action 

directive against the bank.

- Announced, July 22, 2010

H.2 Board Actions July 18, 2010 to July 24, 2010

(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 18, 2010 to July 24, 2010

Bank Holding Companies

BancTenn Corp., Kingsport, Tennessee -- to acquire shares of Paragon Commercial 

Corporation, Raleigh, North Carolina, and its subsidiary bank, Paragon Commercial 

Bank.

Atlanta

- Withdrawn, July 22, 2010

Dairyland Bank Holding Corporation, La Crosse, Wisconsin -- to engage de novo in 

lending activities.

Minneapolis

- Withdrawn, July 19, 2010

Eagle Financial Corp., Casey, Illinois -- to become a bank holding company and to 

acquire Casey State Bank, Casey, and First State Bank, Biggsville.

Chicago

- Approved, July 23, 2010

First Texas BHC, Inc., Fort Worth, Texas -- to engage de novo in lending and 

servicing activities through SWB Recovery, Inc., Fort Worth.

Dallas

- Approved, July 23, 2010

FNB BanShares, Inc., West Union, Iowa -- to engage in extending credit and 

servicing loans.

Chicago

- Approved, July 22, 2010

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

Harbor Bancorp, Inc., Edenton, North Carolina -- to become a bank holding company 

and to acquire West Town Savings Bank, Cicero, Illinois.

Chicago

- Withdrawn, July 21, 2010

PBS Bancshares, Inc., Seneca, Missouri -- to become a bank holding company and to 

acquire shares of People's Bank of Seneca, Seneca.

Kansas City

- Approved, July 22, 2010

Sturm Financial Group, Inc., Denver, Colorado -- to engage in lending activities 

through Northern Lights, LLC, Denver.

Kansas City

- Approved, July 23, 2010

Bank Mergers

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

liabilities of Sterling Bank, Lantana, Florida, and to retain the acquired facilities as 

branches.

St. Louis

- Withdrawn, July 20, 2010

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

liabilities of MetroBank of Dade County, Miami, Florida, and Turnberry Bank, 

Aventura, and to retain the acquired facilities as branches (three applications).

St. Louis

- Withdrawn, July 20, 2010

H.2 Actions under delegated authority July 18, 2010 to July 24, 2010

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

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

liabilities of Olde Cypress Community Bank, Clewiston, Florida, and to retain the 

acquired facilities as branches.

St. Louis

- Withdrawn, July 20, 2010

Change in Bank Control

City National Bancshares, Inc., Colorado City, Texas -- to retain control of City 

National Bancshares and its subsidiary bank, The City National Bank of Colorado 

City, Colorado City.

Dallas

- Permitted, July 22, 2010

Herky Hawk Financial Corp., Monticello, Iowa -- change in bank control of Herky 

Hawk and its subsidiary banks, Citizens State Bank, Monticello, and New Vienna 

Savings Bank, New Vienna.

Chicago

- Permitted, July 23, 2010

Union First Market Bankshares Corporation, Richmond, Virginia -- change in bank 

control of Union and its subsidiary banks, The Rappahannock National Bank, 

Washington; Northern Neck State Bank, Warsaw; and Union First Market Bank, 

Richmond.

Richmond

- Permitted, July 23, 2010

H.2 Actions under delegated authority July 18, 2010 to July 24, 2010

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

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

Illinois -- extension to October 22, 2010, to increase its ownership of Minier 

Financial, Inc., Minier, and thereby increase its indirect ownership of First Farmers 

State Bank.

Chicago

- Granted, July 21, 2010

International Operations

Popular, Inc., San Juan, Puerto Rico, and Banco Popular de Puerto Rico -- to transfer 

certain investments to Popular's subsidiary, EVERTEC, Inc., San Juan.

New York

- Withdrawn, June 30, 2010

(A/C)

H.2 Actions under delegated authority July 18, 2010 to July 24, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending July 24, 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 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 July 24, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Bank of Millbrook, Millbrook, New York, 

requests approval to merge with The Stissing 

National Bank of Pine Plains, Pine Plains, New 

York, pursuant to Section 18(c) of the Federal 

Deposit Insurance Act.

BANK OF MILLBROOK

Newspaper:

Federal Register:

* 3A3 Not available

Not available

China Investment Corporation, Beijing, China, 

to acquire more than 5% of the voting shares of 

Morgan Stanley, New York, New York, and 

thereby indirectly acquire voting shares of 

Morgan Stanley Capital Management LLC, New 

York, New York, Morgan Stanley Domestic 

Holdings, Inc., New York, New York, Morgan 

Stanley Bank, National Association, Salt Lake 

City, Utah, Morgan Stanley Private Bank, 

National Association, Purchase, New York, and 

Morgan Stanley Trust National Association, 

Wilmington, Delaware, pursuant to Section 3(a)

(3) of the BHC Act.

CHINA INVESTMENT 

CORPORATION

* 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 July 24, 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

 833271 CONESTOGA BK, CHESTER SPRINGS, PENNSYLVANIA 01/19/2010 07/14/2010 O Int Sm Bank

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 July 24, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Cincinnati, OH 07/17/2010

to establish a branch at 825 West Market Street, 

Troy, OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Cincinnati, OH 07/17/2010

to establish a branch at 31125 Beck Road, Novi, 

MI.

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 July 24, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Jeffrey T. Valcourt, JNV Limited Partnership, II, 

and JNV Limited Partnership, III, all of 

Arlington, Vrginia, acting in concert to control 

33.77% of the voting shares of United Financial 

Banking Companies, Inc., Vienna, Virginia.

UNITED FINANCIAL BANKING 

COMPANIES, INC.

* 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 July 24, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/09/2010

Prior change in control notice filed by Mark Van 

Smith, Savannah, Georgia, to acquire up to an 

additional 20.75 percent of the outstanding 

shares of First Citizens Bankshares, Inc., and its 

subsidiary, First Citizens Bank, both of 

Glennville, Georgia. Total pro forma ownership 

will not exceed 58.98

FIRST CITIZENS BANKSHARES, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

First Peoples Bancorp, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of First Peoples Bank of 

Tennessee, both of Jefferson City, Tennessee.

First Peoples Bancorp, Inc.

Newspaper:

Federal Register:

* 3A3 Not available

4c8 08/20/2010

North American Financial Holdings, Inc., 

Charlotte, North Carolina (NAFH), to acquire up 

to 100 percent of the outstanding voting shares 

of TIB Financial Corp., and its subsidiary, TIB 

Bank, both of Naples, Florida. In addition, 

NAFH proposes to indirectly acquire 100 

percent of the voting shares of Naples Capital 

Advisors, Inc., Naples, Florida, and thereby 

engage in investment and financial advisory 

activities.

NORTH AMERICAN FINANCIAL 

HOLDINGS, 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 July 24, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Reg K - Ally Financial, Inc., Detroit, Michigan, 

to make an additional investment in ResMor 

Trust Company, Toronto, Canada.

ALLY FINANCIAL INC.

Newspaper:

Federal Register:

* 3A3 Not available

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.

* 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

 614340 CSB BK, CAPAC, MICHIGAN 03/15/2010 07/05/2010 S Small Bank

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 July 24, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

M & F Financial Corporation, Dumas, Arkansas, 

to engage in lending activities.

M & F FINANCIAL 

CORPORATION

* 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 July 24, 2010

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

 642857 FIRST CMNTY BK, GLASGOW, MONTANA 02/01/2010 07/16/2010 S Small Bank

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 July 24, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

BancFirst Corporation, Oklahoma City, 

Oklahoma, to acquire 100 percent of the voting 

shares of Union National Bancshares, Inc., 

parent of Union Bank of Chandler, both in 

Chandler, Oklahoma.

BANCFIRST CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

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 07/26/2010

08/09/2010

Manhattan Banking Corporation, Manhattan, 

Kansas, to acquire 4.05 percent, for a total of 9.9 

percent, of the voting shares of Sonoran Bank, 

N.A., Phoenix, Arizona.

MANHATTAN BANKING 

CORPORATION

* 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

 912550 LUSK ST BK, LUSK, WYOMING 04/19/2010 07/19/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending July 24, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

08/23/2010

Austin Bancorp, Inc., Jacksonville, Texas; JSA 

Family Limited Partnership, Jacksonville, Texas; 

Jane Austin Chapman Limited Partnership, L.P., 

Frankston, Texas; and TEB, Inc., Shreveport, 

Louisiana, to acquire Frankston Bancorp, Inc., 

Frankston, Texas, and indirectly acquire FDB, 

Inc., Dover, Delaware, and First State Bank, 

both of Frankston, Texas.

AUSTIN BANCORP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas to establish a 

mobile branch to stop 23500 Cristo Rey Drive, 

Cupertino, Santa Clara County, California 95014.

COMERICA BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Cecil R. Simmons, San Benito, Texas, 

individually; Cecil R. Simmons, San Benito, 

Texas, Leonard P. Simmons, San Benito, Texas, 

Anita Simmons Boswell, Harlingen, Texas, and 

Michael Scott, Raymondville, Texas, (the 

"Director Group"); Cecil R. Simmons and Juana 

Simmons, San Benito, Texas, Anita Simmons 

Boswell, Harlingen, Texas, Sarah Simmons 

Hays, Evergreen, Colorado, and Dolores M. 

Simmons, San Benito, Texas, (the "Cecil 

Simmons Family Group"); and Leonard P. 

Simmons and Mary Beth Simmons, San Benito, 

Texas, Delores M. Simmons, San Benito, Texas, 

Ricardo Leal, Harlingen, Texas, Audrey 

Simmons Hooks, Austin, Texas, Samuel 

Simmons, Harlingen, Texas, and Ernest Nash, 

III, Harlingen, Texas, (the "Leonard Simmons 

Family Group")(collectively the "Notificants"); 

to acquire 25 percent or more of the shares and 

thereby control of First San Benito Bancshares 

Corporation, San Benito, Texas, and indirectly 

acquire First Community Bank, National 

Association, San Benito, Texas.

FIRST SAN BENITO 

BANCSHARES CORPORATION

Newspaper:

Federal Register:

* 3A3 08/09/2010

08/06/2010

Industry Bancshares, Inc., Industry Texas, to 

acquire 100 percent of The First National Bank 

of Shiner, Shiner, Texas.

INDUSTRY BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending July 24, 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:

* 3A3 Not available

07/19/2010

Community Bancshares, Inc., Joseph, Oregon, 

to acquire at least 100 percent of BEO Bancorp 

and thereby its subsidiary bank, Bank of 

Eastern Oregon, both of Heppner, Oregon.

COMMUNITY BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/08/2010

One Main Street, LLC, and One Main Street 

Management, LLC, both of New York, New 

York, to become bank holding companies by 

acquiring 100 percent of Liberty Bank, Inc., Salt 

Lake City, Utah.

ONE MAIN STREET, LLC

Newspaper:

Federal Register:

* 3A1 Not available

04/27/2010

SKBHC Holdings, LLC, Corona del Mar, 

California, to become a bank holding company 

by acquiring 100 percent of Starbuck 

Bancshares, Inc. and thereby indirectly the First 

National Bank of Starbuck, both of Starbuck, 

Minnesota.

SKBHC HOLDINGS, LLC

* 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