Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 37 

Week Ending September 12, 2009

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

Term Auction Facility -- TAF auction in the amount of $75 billion in 84-day credit 

on September 8, 2009.

- Announced, September 8, 2009

Enforcement

Metro Financial Services, Inc., Miami, Florida, and Metro Bank of Dade County -- 

written agreement with the Federal Reserve Bank of Atlanta and the State of Florida, 

Office of Financial Regulation.

- Announced, September 8, 2009

Tennessee State Bancshares, Inc., Pigeon Forge, Tennessee, and Tennessee State 

Bank -- written agreement with the Federal Reserve Bank of Atlanta.

- Announced, September 10, 2009

UCBH Holdings, Inc., San Francisco, California -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, September 10, 2009

Valley Bancorp, Inc., Brighton, Colorado -- written agreement with the Federal 

Reserve Bank of Kansas City.

- Announced, September 8, 2009

H.2 Board Actions September 6, 2009 to September 12, 2009

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

September 6, 2009 to September 12, 2009

Bank Branches, Domestic

Farmers Bank, Windsor, Virginia -- to establish a branch at 6255 College Drive, 

Suffolk, and to increase its investment in bank premises.

Richmond

- Approved, September 11, 2009

SunTrust Bank, Atlanta, Georgia -- to establish a branch at the intersection of East 

Venice Avenue and Jacaranda Boulevard, Venice, Florida.

Atlanta

- Withdrawn, September 10, 2009

Susquehanna Bank, Lititz, Pennsylvania -- to establish a branch at 1800 Dual 

Highway, Hagerstown, Maryland.

Philadelphia

- Approved, September 11, 2009

Bank Holding Companies

Danvers Bancorp, Inc., Danvers, Massachusetts -- to acquire through merger Beverly 

National Corporation, Beverly, and Beverly National Bank.

Boston

- Approved, September 8, 2009

MidCap Financial Holdings, LLC, Bethesda, Maryland, and MidCap Bank Holdings, 

Inc. -- to become bank holding companies and to acquire ISN Bank, Cherry Hill, 

New Jersey.

Richmond

- Withdrawn, September 9, 2009

(A/C) = Addition or Correction Delegated - 1 of 2
Bank Holding Companies

Wells Fargo & Company, San Francisco, California -- extensions of time and relief 

from certain commitments.

Director, BS&R

- Granted, September 10, 2009

Bank Mergers

First Bank, Strasburg, Virginia -- to acquire certain assets and assume certain 

liabilities of the Woodstock branch of StellarOne Bank, Christiansburg, and thereby 

establish a branch.

Richmond

- Approved, September 8, 2009

Banks, Nonmember, and Miscellaneous Institutions

JAM Special Opportunities Fund II, L.P., El Segundo, California -- relief from a 

commitment.

San Francisco

- Withdrawn, September 8, 2009

H.2 Actions under delegated authority September 6, 2009 to September 12, 2009

(A/C) = Addition or Correction Delegated - 2 of 2
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending September 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

09/24/2009

09/21/2009

Application by 1889 Bancorp MHC and 1889 

Financial Services Corporation, both of 

Norwood, Massachusetts, to become a mutual 

bank holding company and stock bank holding 

company, respectively, by acquiring Norwood 

Co-operative Bank, Norwood, Massachusetts, 

pursuant to sections 3(a)(1) and 3(a)(3) of the 

Bank Holding Company Act of 1956, as 

amended.

1889 BANCORP MHC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending September 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

The Bank of New York Mellon, New York, New 

York, requests an extension of the corporate 

existence of Mellon Overseas Investment 

Corporation, Greenville, Delaware ("MOIC") its 

Edge Act corporation subsidiary, for an 

additional 20 years, pursuant to Section 25A(20) 

of the FRA, and requests approval to amend 

MOIC's Articles of Association, pursuant to 

Section 211.5(c) of Regulation K.

BANK OF NEW YORK MELLON, 

THE

Newspaper:

Federal Register:

* 3A1 09/26/2009

09/24/2009

Max Bancorp, LLC, New York, New York, to 

become a bank holding company by acquiring a 

majority of the voting shares of Sandhills 

Holding Company, Inc. and indirectly, Sandhills 

Bank, both of North Myrtle Beach, South 

Carolina, pursuant to Section 3(a)(1) of BHC Act 

and Section 225.15 of Regulation Y.

MAX BANCORP, LLC

Newspaper:

Federal Register:

* 3A3 10/10/2009

08/28/2009

Morgan Stanley, New York, New York, to retain 

9.2 percent of the common stock and acquire 

additional shares up to a total of 9.9 percent of 

the common stock of Community Bankers Trust 

Corporation, Glen Allen, Virginia, pursuant to 

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

Act of 1956, as amended, and Section 225.14 of 

Regulation Y.

MORGAN STANLEY

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending September 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending September 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending September 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

10/02/2009

CapGen Capital Group III LLC, New York, New 

York, and CapGen Capital Group III LP, New 

York, New York, to become bank holding 

companies through the acquisition of 10.2% of 

the voting securities of Seacoast Banking 

Corporation of Florida, Stuart, Florida, and 

indirectly acquire Seacoast National Bank, 

Stuart, Florida.

CAPGEN CAPITAL GROUP III 

LLC

Newspaper:

Federal Register:

* 3A1 Not available

10/09/2009

First American Financial Management 

Company, Salisbury, North Carolina, to become 

a bank holding company through the 

acquisition of 100% of the voting securities of 

Community Bank of Rowan, Salisbury, North 

Carolina.

FIRST AMERICAN FINANCIAL 

MANAGEMENT COMPANY

Newspaper:

Federal Register:

* 4c8

* 3A3

* 18C

* Branch

10/07/2009

10/09/2009

Union Bankshares Corporation, Bowling Green, 

Virginia (UBC), to acquire 100% of the voting 

securities of First Market Bank, FSB, Richmond, 

Virginia (FMB-FSB), and the related filings by 

UBC to acquire 100% of the voting securities of 

FMB-UBSH Interim Bank, Bowling Green, 

Virginia (FMB-UBSH), and by FMB-UBSH to 

merge with FMB-FSB.

UNION BANKSHARES 

CORPORATION

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending September 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Other Foreign

Not applicable

Banco Itau Europa International, Miami, Florida, 10/12/2009

an edge corporation held by Banco Itaú S.A., 

and I U Participacões, S.A. , San Paulo, Brazil, to 

establish a branch in New York, New York.

BANCO ITAU EUROPA 

INTERNATIONAL

Newspaper:

Federal Register:

* 3A1 10/11/2009

10/09/2009

Ladder Capital Finance Holdings LLC, along 

with Ladder Midco LLC, both of New York, New 

York, to become bank holding companies by 

acquiring 100 percent of the outstanding voting 

shares of FirstCity Bank of Commerce, North 

Palm Beach, Florida.

LADDER CAPITAL FINANCE 

HOLDINGS LLC

Newspaper:

Federal Register:

* 3A3 Not available

09/22/2009

USAmeriBancorp, Inc., Largo, Florida, to 

acquire 49.7 percent of the outstanding voting 

shares of Aliant Financial Corporation, and its 

subsidiary, Aliant Bank, both of Alexander City, 

Alabama.

USAMERIBANCORP, INC.

Newspaper:

Federal Register:

CIC 09/15/2009

09/03/2009

After-the-fact change in control notice filed by 

Richard Franklin Combs, Braselton, Georgia, to 

retain 26.8 percent of the outstanding shares of 

Verity Capital Group, Inc., Dahlonega, Georgia, 

and its subsidiary, Verity Bank, Winder, 

Georgia.

VERITY CAPITAL GROUP, INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

1st Source Bank, South Bend, Indiana, to 09/18/2009

establish a branch facility to be located at 120 

Sanford School Road, Elkhart, Indiana.

1ST SOURCE BANK

Newspaper:

Federal Register:

* 3A1 Not available

09/03/2009

Eagle Financial Corp., Casey, Illinois, to become 

a bank holding company by acquiring 100 

percent of Casey State Bank, Casey, Illinois and 

First State Bank, Biggsville, Illinois.

EAGLE FINANCIAL CORP.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Farmers Bank & Trust, Converse, Indiana, 

to merge with Central Bank, Russiaville, Indiana, 

and thereby to establish two branches to be 

located at 160 W. Main Street, Russiaville, 

Indiana and 501 West Lincoln Road, Kokomo, 

Indiana.

FIRST FARMERS BANK & 

TRUST

Newspaper:

Federal Register:

CIC 09/14/2009

09/15/2009

Notification filed by a group acting in concert, 

composed of Gary Shiffman, West Bloomfield, 

Michigan, Arthur Weiss, Farmington Hills, 

Michigan, Ronald Klein, Bloomfield Hills, 

Michigan, Paul Hodges, Orchard Lake, 

Michigan, Roman Ferber, West Bloomfield, 

Michigan, David Freidman, West Bloomfield, 

Michigan, Steven Freidman, West Bloomfield, 

Michigan, Brian Wenzel, Howell, Michigan, 

Sheldon Yellen, Bloomfield Hills, Michigan, 

Gary Torgow, Oak Park, Michigan, Dov 

Loketch, Oak Park, Michigan, Joseph Nusbaum, 

Oak Park, Michigan, David Provost, 

Birmingham, Michigan, Max Berlin, Southfield, 

Michigan, Donald Coleman, Bonita Springs, 

Florida, Albert Papa, Birmingham, Michigan, 

Robert Naftaly, West Bloomfield, Michigan, 

Thomas Schellenberg, Cross Village, Michigan, 

Thomas Brown, Farmington Hills, Michigan, 

Christine Otto, Oxford, Michigan, James Dunn, 

Livonia, Michigan, Gary Sakwa, Bloomfield 

Hills, Michigan, and Frank Hennessey, Ocala, 

Florida; Christine Provost, Birmingham, 

Michigan; Scott Steigerwald, Bloomfield Hills, 

Michigan; Stephen Eick, Birmingham, Michigan; 

Jeffrey Grabiel, Birmingham, Michigan; David 

Lau, Bloomfield Hills, Michigan; Jeffrey Peck, 

Orchard Lake, Michigan; Lawrence Wolfe, 

Bloomfield Hills, Michigan; Patrick Ervin, 

Ortonville, Michigan; Thomas Ervin, Bloomfield 

Hills, Michigan; Nancy Ervin, Bloomfield Hills, 

Michigan; Mark Thompson, Grosse Point 

Farms, Michigan; JoAnne Thompson, Grosse 

Pointe Farms, Michigan, and Daniel Samson, 

Huntington Woods, Michigan, to acquire over 

25 percent of the outstanding voting shares of 

First Michigan Bancorp, Inc., Troy, Michigan, 

and thereby to indirectly acquire control of First 

Michigan Bank, Troy, Michigan.

FIRST MICHIGAN BANCORP, 

INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/04/2009

Notice by Laura G. Gard Revocable Living 

Trust, Laura G. Gard, Trustee, Marshall, Illinois, 

to increase control of Herky Hawk Financial 

Corp., Monticello, Iowa, and thereby indirectly 

Citizens State Bank, Citizens State Bank, 

Monticello, Iowa, and New Vienna Savings 

Bank, New Vienna, Iowa.

HERKY HAWK FINANCIAL 

CORP.,

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by TRSD Holdings, LP, Warren, 

Michigan, to acquire more than 10 percent of 

the voting shares of Level One Bancorp, Inc., 

Farmington Hills, Michigan, and thereby 

indirectly acquire control of Level One Bank, 

Farmington Hills, Michigan.

LEVEL ONE BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

09/30/2009

Notice filed individually by Douglas N. 

Neighbor, Kent M. Neighbor, and Gene R. 

Neighbor to each own 16.122 percent and by the 

Neighbor Family - Doug and Marva Neighbor, 

Marion, Iowa; Gene and Betty Jean Neighbor, 

Alburnett, Iowa, and Kent and Irene Neighbor, 

Winthrop, Iowa, and their children (Sandra K. 

Waring, Walker, Iowa; Steven K. Neighbor, 

Center Point, Iowa; Scott M. Neighbor, Center 

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

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

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

Neighbor, Cedar Rapids, Iowa; Brent B. 

Neighbor, Tijeras, New Mexico; Brad D. 

Neighbor, Espanola, New Mexico; Todd D. 

Neighbor, Marion, Iowa; Jason M. 

Neighbor,Alburnett, Iowa; and Michael G. 

Neighbor, Bettendorf, Iowa) as a group acting in 

concert, for approval to retain control of 100 

percent of Neighbor Insurance Agency, Marion, 

Iowa, and thereby indirectly control Farmers 

State Bank, Marion, Iowa.

NEIGHBOR INSURANCE 

AGENCY, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

University Bancorp, Inc., Ann Arbor, Michigan, 

proposes to engage de novo in extending credit 

and servicing loans.

UNIVERSITY BANCORP, 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

 2239288 NORTH SHORE CMNTY B&TC, WILMETTE, ILLINOIS 04/13/2009 08/31/2009 NI 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 September 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

The Casey County Bank, Liberty, Kentucky, 

application to request membership in the 

Federal Reserve System.

CASEY COUNTY BANK, INC., 

THE

Newspaper:

Federal Register:

CIC 09/25/2009

09/16/2009

Notice by Robert E. Kirkland, Union City, 

Tennessee, individually and as member of the 

Kirkland family control group, which consists of 

himself, REK, LP, Union City, Tennessee; the 

Christopher R. Kirkland Revocable Trust 

(Christopher R. Kirkland as trustee), Brentwood, 

Tennessee; Bedford F. Kirkland, Lebanon, 

Tennessee; and Macy Darnell Swensson. 

Robert E. Kirkland will individually acquire 

control of 21.51 percent of Community First 

Bancshares, Inc., Union City, Tennessee 

("Bancshares"), and the Kirkland family control 

group will acquire control of 25.82 percent of 

Bancshares.

COMMUNITY FIRST 

BANCSHARES, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending September 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 10/02/2009

10/02/2009

Klein Financial, Inc,Chaska, Minnesota, to 

acquire 100% of Community Bank Plymouth, 

Plymouth, Minnesota.

KLEIN FINANCIAL, 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

 153054 NORTHWESTERN BK, CHIPPEWA FALLS, WISCONSIN 05/11/2009 08/31/2009 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 September 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Bennington, Bennington, Nebraska, to 09/17/2009

establish a mobile branch to service the area of 

Douglas County, Nebraska, and operate out of 

the main office at 12212 North 156th Street.

BANK OF BENNINGTON

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Country Club Bank, Kansas City, Missouri, to 

merge with MidAmerican Bank & Trust 

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

Allen Bank and Trust Company, Harrisonville, 

Missouri, and incident thereto to establish 7 

branches, and to operate under the title of 

Country Club Bank, Kansas City, Missouri.

COUNTRY CLUB BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First State Bank, Lincoln, Nebraska, to establish 09/09/2009

a branch at 27th and Grainger Parkway, Lincoln, 

Nebraska.

FIRST STATE BANK

Newspaper:

Federal Register:

* 3A1 Not available

10/13/2009

Linn County Bancshares, Inc., Brookfield, 

Missouri, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of and subsequent merger with 

First Missouri Bancshares, Inc., parent of First 

Missouri National Bank, both in Brookfield, 

Missouri.

LINN COUNTY BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC 09/11/2009

09/10/2009

Notification submitted by Richard A. Jensen, 

WaKeeney, Kansas; David J. Steeples, 

Stockton, Kansas; Lila J. Alexander, Houston, 

Texas; all as trustees; and Brian J. Berkley GST 

Trust, Stockton, Kansas; and James E. Berkley 

GST Trust, Stockton, Kansas, as members of the 

Berkley family group, to retain control of Relianz 

Bancshares, Inc., and thereby indirectly retain 

control of RelianzBank, both in Wichita, 

Kansas. In addition, a notification is submitted 

by Vicki A. Berkley, Stockton, Kansas, as 

trustee, to acquire individual control of Relianz 

Bancshares, Inc., and thereby indirectly acquire 

control of RelianzBank, both in Wichita, 

Kansas.

RELIANZ BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending September 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas, to establish two 09/23/2009

branches at the following locations: 1222 N. 

Bishop Ave., Dallas, Texas 75208 and 1701 W. 

35th St., Austin, Texas 78703.

COMERICA BANK

Newspaper:

Federal Register:

CIC Not available

09/29/2009

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

Texas; Gilbert Garza, San Benito, Texas; and 

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

of a Voting Trust Agreement ("Agreement") 

with respect to First San Benito Bancshares 

Corporation (the "Company"), San Benito, 

Texas, along with the shareholders that are 

parties to the Agreement: James S. Benson, 

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

Harlingen, Texas; Elizabeth Ann Cole, 

Harlingen, Texas; Charles A. Cox, 

Tampico,Tamaulipas, Mexico; Wendell J. Cox, 

Rockwall, Texas; Betty Joyce DeCarriere, San 

Benito, Texas; Annette Dillard, Georgetown, 

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

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

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

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

Benito, Texas; Sue Ann Holloman, Harlingen, 

Texas; Estate of Warren Jackson, San Benito, 

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

Tracey M. Longshore, Friendswood, Texas; 

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

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

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

Harlingen, Texas; Janet Miles Murphy, 

Birmingham, Alabama; John F. & Ann K. 

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

Ramirez, San Benito, Texas; Phyllis M. 

Robinson, Burlington, Iowa; Beatriz Rodriguez, 

San Benito, Texas; Harry Shimotsu, La Feria, 

Texas; Kenneth Shimotsu, San Benito, Texas; 

Robert L. Tumberlinson, San Benito, Texas; 

Thomas C. Washmon, Austin, Texas; Lucy Ann 

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

Dallas, Texas, have applied to the Federal 

Reserve Board for permission to acquire control 

of 25% or more of the shares of the Company 

and thereby control of Company and its indirect 

subsidiary, First Community Bank, National 

Association, San Benito, Texas.

FIRST SAN BENITO 

BANCSHARES CORPORATION

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 701857 CROWELL ST BK, CROWELL, TEXAS 05/18/2009 09/07/2009 S Small 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 September 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 10/04/2009

10/13/2009

FB Bancorp to acquire 100 percent of 1st Pacific 

Bancorp, and thereby indirectly acquire 1st 

Pacific Bank of California, all of San Diego, 

California, and then merge with and into 1st 

Pacific Bancorp, with 1st Pacific Bancorp as the 

surviving bank holding company.

1ST PACIFIC BANCORP

Newspaper:

Federal Register:

* 18C

Not applicable

First Business Bank, National Association, to 10/04/2009

merge with and into 1st Pacific Bank of 

California, both of San Diego, California, with 

1st Pacific Bank of California as the surviving 

bank.

1ST PACIFIC BANK OF 

CALIFORNIA

Newspaper:

Federal Register:

* 3A3 Not available

08/24/2009

Castle Creek Capital Partners III, L.P., Castle 

Creek Capital III LLC, Eggemeyer Capital LLC, 

Ruh Capital LLC, and Legions IV Advisory 

Corp., all of Rancho Santa Fe, California, to 

increase from 40.3 percent up to 55.0 percent 

their ownership of First Chicago Bancorp and 

indirectly First Chicago Bank and Trust 

Company, both of Chicago, Illinois, pursuant to 

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

Act.

CASTLE CREEK CAPITAL 

PARTNERS III, L.P.

Newspaper:

Federal Register:

* 3A1 10/04/2009

10/13/2009

FB Bancorp to become a bank holding company 

by acquiring 100 percent of First Business Bank, 

National Association, both of San Diego, 

California.

FB BANCORP

Newspaper:

Federal Register:

* 3A3 Not available

09/21/2009

Franklin Resources, Inc., San Mateo, California, 

to acquire up to 7.0 percent of the voting shares 

of State Bank and Trust Company, Pinehurst, 

Georgia, pursuant to section 3(a)(3) of the Bank 

Holding Company Act.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

09/22/2009

Franklin Resources, Inc., San Mateo, California, 

to retain 20.4 percent of the voting shares of 

Guaranty Bancorp, and thereby indirectly its 

subsidiary, Guaranty Bank & Trust Company, 

both of Denver, Colorado, pursuant to section 

3(a)(3) of the Bank Holding Company Act.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

CIC

Not available

Notice by Rommel R. Medina and Ruell R. 08/07/2009

Medina, both of San Bruno, California, to 

acquire additional voting shares of MNB 

Holdings Corporation, and indirectly, voting 

shares of Mission National Bank, both of San 

Francisco, California.

MNB HOLDINGS CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

09/25/2009

Private Bancorp of America, Inc., to become a 

bank holding company by acquiring 100 percent 

of San Diego Private Bank, both of La Jolla, 

California.

PRIVATE BANCORP OF 

AMERICA, INC.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 795968 BANK OF HAWAII, HONOLULU, HAWAII 04/13/2009 08/28/2009 O Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act