Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 31 

Week Ending July 31, 2010

Board of Governors of the Federal Reserve System, Washington, DC 20551
Advisory Councils

Consumer Advisory Council -- request for nominations for ten new members.

- Announced, July 26, 2010

Regulations and Policies

Regulation H (Membership of State Banking Institutions in the Federal Reserve 

System) -- final interagency rules to implement the Secure and Fair Enforcement for 

Mortgage Licensing Act registration requirements for mortgage loan originators 

employed by federally regulated depository institutions.

- Announced, July 28, 2010

Enforcement

BOV Holding Company, Versailles, Missouri, and Bank of Versailles -- written 

agreement with the Federal Reserve Bank of Kansas City.

- Announced, July 28, 2010

Community Valley Bancorp, Chico, California -- written agreement with the Federal 

Reserve Bank of San Francisco.

- Announced, July 29, 2010

Farmers State Bank, Faith, South Dakota -- written agreement with the Federal 

Reserve Bank of Minneapolis and the State of South Dakota Department of Revenue 

and Regulation, Division of Banking.

- Announced, July 28, 2010

Macatawa Bank Corporation, Holland, Michigan -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, July 29, 2010

H.2 Board Actions July 25, 2010 to July 31, 2010

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

Metro North Bancshares, Inc., Elk River, Minnesota -- written agreement with the 

Federal Reserve Bank of Minneapolis.

- Announced, July 28, 2010

North State Bancshares, Inc., Shakopee, Minnesota -- written agreement with the 

Federal Reserve Bank of Minneapolis.

- Announced, July 29, 2010

NOVA Financial Holdings, Inc., Berwyn, Pennsylvania -- written agreement with the 

Federal Reserve Bank of Philadelphia.

- Announced, July 26, 2010

Premier Financial Bancorp, Inc., Huntington, West Virginia; Abigail Adams National 

Bancorp, Inc., Washington, D.C.; and Consolidated Bank and Trust Company, 

Richmond, Virginia -- written agreement with the Federal Reserve Bank of 

Richmond and the Virginia State Corporation Commission Bureau of Financial 

Institutions.

- Announced, July 30, 2010

H.2 Board Actions July 25, 2010 to July 31, 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 25, 2010 to July 31, 2010

Bank Branches, Domestic

Comerica Bank, Dallas, Texas -- to establish a branch at 7820 Burnet Road, Austin.

Dallas

- Approved, July 28, 2010

Bank Holding Companies

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

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

Advisory Corp. -- to increase their interest in First Chicago Bancorp, Chicago, 

Illinois.

San Francisco

- Approved, July 30, 2010

Community Bancshares, Inc., Joseph, Oregon -- to acquire shares of BEO Bancorp, 

Heppner, and Bank of Eastern Oregon.

San Francisco

- Withdrawn, July 27, 2010

Evergreen Bancorporation, Evergreen, Colorado -- to acquire shares of Clear Creek 

National Bank, Georgetown.

Kansas City

- Approved, July 30, 2010

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

M&P Community Bancshares, Inc. 401(k) Employee Stock Ownership Plan, 

Newport, Arkansas -- to acquire additional shares of M&P Community Bancshares, 

Inc., Newport.

St. Louis

- Approved, July 29, 2010

Wells Fargo & Company, San Francisco, California, and Wells Fargo Bank, National 

Association -- extension of time and relief from a commitment.

Director, BS&R

- Granted, July 30, 2010

Zions Bancorporation, Salt Lake City, Utah -- to acquire, through NetDeposit, LLC, 

Salt Lake City, the assets of Creative Cash Flow Solutions, Ltd., Lindenhurst, New 

York, and thereby engage in data processing services.

San Francisco

- Withdrawn, July 27, 2010

Bank Mergers

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

liabilities of Bayside Savings Bank, Port Saint Joe, Florida, and Coastal Community 

Bank, Panama City Beach, and to retain the acquired facilities as branches.

St. Louis

- Approved, July 30, 2010

H.2 Actions under delegated authority July 25, 2010 to July 31, 2010

(A/C) = Addition or Correction Delegated - 2 of 3
Extensions of Time

Centennial Bank, Conway, Arkansas -- extension to November 10, 2010, to establish 

a mobile branch in Saline County.

St. Louis

- Granted, July 27, 2010

International Operations

PNC Bank, National Association, Wilmington, Delaware -- to establish Harris 

Williams UK Holdings LLC, Richmond, Virginia, as an agreement corporation, and 

waiver of remainder of notification period for it to invest in Harris Williams & Co. 

Ltd., London, United Kingdom.

Director, BS&R

- Approved, July 26, 2010

Regulations and Policies

Regulation Z (Truth in Lending) -- annual adjustment of the dollar amount that 

triggers additional disclosure requirements for home mortgage loans with rates or 

fees above a certain amount.

Director, C&CA

- Announced, July 30, 2010

H.2 Actions under delegated authority July 25, 2010 to July 31, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending July 31, 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 31, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

Bank of Millbrook, Millbrook, New York, 08/21/2010

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

08/25/2010

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

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Emigrant Bancorp, Inc., New York, New York, to 

convert New York Private Bank & Trust, FSB, 

Wilmington, Delaware, its federal savings bank 

subsidiary, to New York Private Trust Company, 

a trust company, pursuant to Section 4(c)(8) of 

the BHC Act and Section 225.24 of Regulation 

Y, and thereby engage in trust company 

functions.

EMIGRANT BANCORP, INC.

* 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 31, 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 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 31, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A5

* 18C

* Branch

Not available

Applications by Community Trust Bancorp, 08/23/2010

Inc., Pikeville, KY to acquire LaFollette First 

National Corporation, LaFollette, TN; 

Community Trust Bancorp, Inc., Pikeville, KY to 

acquire First National Bank of LaFollette, 

LaFollette, TN; and Community Trust Bank, 

Inc., Pikeville, KY to merge with First National 

Bank of LaFollette, Lafollette, TN and incident 

thereto establish branch offices.

COMMUNITY TRUST 

BANCORP, 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

 614313 STATE B&TC, DEFIANCE, OHIO 04/05/2010 07/22/2010 S Large Bank

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 31, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/08/2010

08/11/2010

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 31, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

1st United Bank, Boca Raton, Florida, to 08/23/2010

establish a branch located at 3400 Coral Way, 

Miami, Florida, to be know as the 1st United 

Bank Coral Way Office.

1ST UNITED BANK

Newspaper:

Federal Register:

CIC Not available

Not available

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

Not available

After-the-fact change in control notice filed by 

Shelby Cicero Peeples, Jr., Jane Peeples 

Stanfield, Margaret Willena Peeples, Willena 

Michelle Evans, and John Pickens Neal, III, all 

of Dalton, Georgia, William Bryan Peeples, Amy 

Lynn Peeples, George Thomas Peeples, Vickie 

Defoor Peeples, and Syndi Peeples Paris, all of 

Ringgold, Georgia, John P. Neal, III, as trustee 

for Asa Wallace Peeples Trust, Rhett Shelby 

Peeples Trust, and Ellys Allene Peeples, Joseph 

T. Tuggle, Jr., as trustee for Sydni McCall 

Peeples Irrevocable Inter Vivos Trust, and 

Willena Michelle Stanfield Irrevocable Inter 

Vivos Trust, to retain 60.94 percent of the 

outstanding shares of FBD Holding Company, 

Inc., and its subsidiary, First Bank of Dalton, 

both of Dalton, Georgia.

FBD HOLDING COMPANY, INC.

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:

* Branch

Not applicable

First Farmers & Merchants Bank, Columbia, 08/09/2010

Tennessee, to establish a branch located at 4871 

Port Royal Road, Spring Hill, Tennessee.

FIRST FARMERS AND 

MERCHANTS BANK

Newspaper:

Federal Register:

* 3A1 08/23/2010

08/27/2010

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:

CIC Not available

Not available

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

Filings received during the week ending July 31, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

4c8

08/23/2010

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.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Prime Meridian Holding Company, notice to 

become a bank holding company by acquiring 

100 percent of the outstanding shares of Prime 

Meridian Bank, both of Tallahassee, Florida.

PRIME MERIDIAN HOLDING 

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

United Legacy Bank, Winter Park, Florida, to 08/09/2010

establish a branch located at 425 US Highway 

17-92 South, Longwood, Florida, to be know as 

the United Legacy Bank-Longwood Office.

UNITED LEGACY BANK

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Vantage Bancshares, Inc., notice to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of Vantage Bank of 

Alabama, both of Albertville, Alabama.

Vantage Bancshares, Inc.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 31, 2010

Filer Filing Type Filing Proposal End of Comment Period

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.

Newspaper:

Federal Register:

CIC Not available

Not available

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.

Newspaper:

Federal Register:

CIC 08/05/2010

07/16/2010

Notice by Keith E. Busse, Fort Wayne, Indiana, 

as an individual, Keith E. Busse, Busse Family 

Investment Company, LLC, and Aaron T. 

Busse, as group acting in concert, to acquire 10 

percent or more of the voting shares of Tower 

Financial Corporation, Fort Wayne, Indiana, and 

thereby indirectly acquire Tower Bank & Trust 

Company, Fort Wayne, Indiana.

TOWER FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC 08/05/2010

07/16/2010

Notice by John V. Tippmann, Sr., Fort Wayne, 

Indiana, as an individual, and John V. 

Tippmann, Sr., John McCarthy and Helen 

McCarthy, Richard Ley and Sally Ley, John 

Tippmann, Jr., Patrick Tippmann, and Brian 

Backstrom and Jennifer Backstrom, as a group 

acting in concert, to acquire 10 percent or more 

of the voting shares of Tower Financial 

Corporation, Fort Wayne, Indiana, and thereby 

indirectly acquire Tower Bank & Trust 

Company, Fort Wayne, Indiana.

TOWER FINANCIAL 

CORPORATION

* 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

 653648 FIRST AMER BK, FORT DODGE, IOWA 01/25/2010 07/09/2010 O Large 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 31, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 31, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Kirkwood Bancorporation Co., Bismarck, North 

Dakota and Kirkwood Bancorporation of 

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

100% of Eagle Valley Bank, National 

Association, Saint Croix Falls, Wisconsin.

KIRKWOOD 

BANCORPORATION OF 

NEVADA, 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

 865450 PROFINIUM FNCL, TRUMAN, MINNESOTA 10/19/2009 07/26/2010 O Int Sm 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 31, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 08/21/2010

08/23/2010

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:

* Branch

Not applicable

Uinta Bank, Mountain View, Wyoming, to 08/16/2010

establish a branch at 120 Yellow Creek Road, 

Evanston, Wyoming.

UINTA BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Western Investment Group, LLC, to become a 

bank holding company through the acquisition 

of 92.5 percent of the voting shares of Western 

Bancshares, Inc., both in Curtis, Nebraska. 

Western Bancshares, Inc., to become a bank 

holding company through the acquisition of 

Curtis Bancorporation Inc., parent of Curtis 

State Bank, all in Curtis, Nebraska.

WESTERN INVESTMENT 

GROUP, LLC

* 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

 157856 FIRST B&TC, CLINTON, OKLAHOMA 04/26/2010 07/22/2010 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 31, 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, 

Frankston, Texas.

AUSTIN BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas to establish a 07/31/2010

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 

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:

* 3A5 Not available

08/27/2010

Independent Bank Group, Inc., McKinney, 

Texas, to acquire by merger 100 percent of 

Farmersville Bancshares, Inc., Farmersville, 

Texas, and indirectly acquire First Bank, 

Farmersville, Texas.

INDEPENDENT BANK GROUP, 

INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Western Bank, Lordsburg, New Mexico, to 

establish a branch to be located at 200 West Rex 

Allen Drive, Willcox, Arizona.

WESTERN BANK

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 60143 COMERICA BK, DALLAS, TEXAS 09/09/2008 11/15/2008 O Large Bank

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 31, 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:

* 3A1 04/15/2010

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 04/29/2010

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