Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 11 

Week Ending March 13, 2010

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

Term Auction Facility -- TAF auction in the amount of $25 billion in 28-day credit 

on March 8, 2010.

- Announced, March 8, 2010

Personnel

Division of Consumer and Community Affairs -- appointment of Maryann Hunter 

and Leonard Chanin as deputy directors, and Anna Alvarez-Boyd, Tonda Price, and 

Timothy Burniston as senior associate directors.

- Announced, March 9, 2010

Enforcement

Florida First City Banks, Fort Walton Beach, Florida -- written agreement with the 

Federal Reserve Bank of Atlanta.

- Announced, March 11, 2010

Heritage Oaks Bancorp, Paso Robles, California -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, March 8, 2010

Horizon Bank, Bradenton, Florida -- issuance of a prompt corrective action directive 

against the bank.

- Announced, March 9, 2010

Idaho Bancorp, Boise, Idaho, and Idaho Banking Company -- written agreement with 

the Federal Reserve Bank of San Francisco and the State of Idaho Department of 

Finance.

- Announced, March 10, 2010

H.2 Board Actions March 7, 2010 to March 13, 2010

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

Midwest Bank and Trust, Elmwood Park, Illinois -- issuance of a final decision and 

order of prohibition against Adam L. Benarroch, a former institution-affiliated party.

- Announced, March 12, 2010

NW Services Corporation, Ringgold, Georgia -- written agreement with the Federal 

Reserve Bank of Atlanta and the Banking Commissioner of the State of Georgia.

- Announced, March 11, 2010

Olmsted Holding Corporation, Rochester, Minnesota -- written agreement with the 

Federal Reserve Bank of Minneapolis.

- Announced, March 10, 2010

Ravalli County Bankshares, Inc., Hamilton, Montana, and Ravalli County Bank -- 

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

Division of Banking and Financial Institutions.

- Announced, March 9, 2010

H.2 Board Actions March 7, 2010 to March 13, 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

March 7, 2010 to March 13, 2010

Bank Branches, Domestic

Chemical Bank, Midland, Michigan -- to establish a branch at 390 East Chicago 

Street, Coldwater.

Chicago

- Approved, March 8, 2010

Bank Holding Companies

First York Ban Corp., York, Nebraska -- waiver of application to acquire Harvard 

State Company, Harvard, in connection with the merger of their respective 

subsidiaries, Cornerstone Bank, York, and Harvard State Bank, Harvard.

Kansas City

- Granted, March 11, 2010

Ida Grove Bancshares, Inc., Ida Grove, Iowa -- to retain the nonbanking activity of 

engaging de novo in leasing personal or real property.

Chicago

- Approved, March 12, 2010

KeyCorp, Cleveland, Ohio -- request for an exemption under the Depository 

Institution Management Interlocks Act and Regulation L.

General Counsel

- Granted, March 8, 2010

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

National Australia Bank Limited, Melbourne, Australia; National Equities Limited; 

National Americas Holdings LLC, New York, New York; National Americas 

Investment, Inc., Jacksonville, Florida; Great Western Bancorporation Inc., Sioux 

Falls, South Dakota, and Great Western Bank -- waiver of application to acquire 

F&M Bank-Iowa, Marshalltown, Iowa, in connection with the merger of Great 

Western Bank and F&M Bank.

New York

- Granted, March 11, 2010

Texstar Bancshares, Inc., Universal City, Texas -- to become a bank holding 

company and to acquire TexStar National Bank, Universal City.

Dallas

- Returned, March 9, 2010

TWO ROA, LLC, Huntsville, Alabama -- to become a bank holding company and to 

acquire shares of RB Bancorporation, Athens, and its subsidiary bank, Reliance 

Bank.

Atlanta

- Approved, March 11, 2010

Bank Mergers

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

liabilities of Old Southern Bank, Orlando, Florida, and to retain the acquired facilities 

as branches.

St. Louis

- Approved, March 12, 2010

H.2 Actions under delegated authority March 7, 2010 to March 13, 2010

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

Cornerstone Bank, York, Nebraska -- to merge with Harvard State Bank, Harvard, 

and thereby establish a branch.

Kansas City

- Approved, March 11, 2010

Bank Premises

Capon Valley Bank, Wardensville, West Virginia -- to increase its investment in 

bank premises.

Richmond

- Approved, March 8, 2010

Change in Bank Control

Naples Bancorp, Inc., Naples, Florida -- to retain control of Naples Bancorp, Inc., 

and its subsidary bank, Bank of Naples.

Atlanta

- Permitted, March 9, 2010

United Commerce Bancorp, Bloomington, Indiana -- change in bank control of 

United and its subsidiary bank, United Commerce Bank, Bloomington.

Chicago

- Permitted, March 12, 2010

Extensions of Time

Capon Valley Bank, Wardensville, West Virginia -- extension to March 12, 2010, to 

establish a branch at 5511 South Main Street, Stephens City, Virginia.

Richmond

- Granted, March 12, 2010

H.2 Actions under delegated authority March 7, 2010 to March 13, 2010

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

Community Bancshares of Mississippi, Inc. Employee Stock Ownership Plan, 

Brandon, Mississippi -- extension to July 10, 2010, to acquire shares of Community 

Bancshares of Mississippi, Inc., Brandon, and thereby indirectly acquire Community 

Bank of North Mississippi, Amory; Community Bank of Mississippi, Forest; 

Community Bank, Ellisville, Ellisville; Community Bank Coast, Biloxi; Community 

Holding Company of Alabama, Brandon; and Community Bank, N.A., Mobile, 

Alabama.

Atlanta

- Granted, March 10, 2010

H.2 Actions under delegated authority March 7, 2010 to March 13, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending March 13, 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 March 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

National Agricultural Cooperative Federation, 

Seoul, Korea, to establish a representative office 

in New York, New York.

NATIONAL AGRICULTURAL 

COOPERATIVE FEDERATION, 

THE

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending March 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

03/26/2010

Bryn Mawr Bank Corporation, Bryn Mawr, PA, 

to retain ownership of The Bryn Mawr Trust 

Company of Delaware, Wilmington, DE.

BRYN MAWR BANK 

CORPORATION

Newspaper:

Federal Register:

* 3A5 Not available

04/09/2010

Tower Bancorp, Inc., Harrisburg, PA, to acquire 

First Chester County Corporation, West 

Chester, PA.

TOWER BANCORP INC.

* 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 March 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 04/01/2010

Application by Jane Kincaid LLC, Lexington, 

KY to become a bank holding company by the 

acquisition of 27.9% of the voting shares of 

Central Bancshares, Inc., Lexington, KY 

pursuant to Sections 3(a)(1) and 4(c)(8) of the 

Bank Holding Company Act.

Jane Kincaid LLC

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 04/01/2010

Application by Joan Kincaid LLC, Lexington, 

KY to become a bank holding company by the 

acquisition of 29.3% of the voting shares of 

Central Bancshares, Inc., Lexington, KY 

pursuant to Sections 3(a)(1) and 4(c)(8) of the 

Bank Holding Company Act.

Joan Kincaid LLC

* 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 March 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Benchmark Community Bank, Kenbridge, 

Virginia, to increase its investment in bank 

premises.

BENCHMARK COMMUNITY 

BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

CNB, Centreville, Maryland, to merge with The 

Felton Bank, Felton, Delaware.

CNB

Newspaper:

Federal Register:

CIC 04/02/2010

03/31/2010

Peden B. McLeod, Mary H. McLeod, John R. 

McLeod all of Walterboro, South Carolina; 

Peden B. McLeod, Jr., Mt. Pleasant, South 

Carolina; Mary C. Benson, Columbia, South 

Carolina; and Rhoda L. Perry, Hendersonville, 

North Carolina, acting in concert have applied 

to retain 11.70% ownership of Communitycorp, 

Walterboro, South Carolina.

COMMUNITYCORP

* 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 March 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/16/2010

03/29/2010

Prior change in control notice filed by Kirk 

Doskocil, Brecksville, Ohio, to acquire 98.6 

percent of the outstanding shares of Bonifay 

Holding Company, Inc., and its subsidiary, Bank 

of Bonifay, both of Bonifay, Florida. Total pro 

forma ownership will equal 98.6 percent.

BONIFAY HOLDING COMPANY, 

INC.

Newspaper:

Federal Register:

CIC Not available

02/09/2010

Prior change in control notice filed by Marty E. 

Adams, Salineville, Ohio; Kevin T. Thompson, 

Saint Augustine, Florida; and John S. Loeber, 

Travelers Rest, South Carolina; to acquire 

control of Palm Bancorp, Inc., and its subsidiary 

bank, The Palm Bank, both of Tampa, Florida.

PALM BANCORP, INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 March 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Ames Community Bank, Ames, Iowa, to merge 

with VisionBank of Iowa, Grimes, Iowa. As a 

result of the merger, Ames Community Bank, 

will establish a branch office at 925 Gateway 

Drive, Grimes, Iowa.

AMES COMMUNITY BANK

Newspaper:

Federal Register:

CIC 03/23/2010

03/12/2010

Notice by Carol O'Leary, Medford, Wisconsin, 

as an individual, and Carol O'Leary, Medford, 

Wisconsin, Tristar Printing Co., Inc., 

Abbotsford, Wisconsin, Kevin S. Flink and 

Kristine M. O'Leary, both of Abbotsford, 

Wisconsin, and Willis R. Whetstone, Medford, 

Wisconsin, as a group acting in concert to 

retain control of Central Wisconsin 

Bancorporation, Inc., Colby, Wisconsin, and 

thereby indirectly acquire Community Bank of 

Central Wisconsin, Colby, Wisconsin.

CENTRAL WISCONSIN 

BANCORPORATION, INC.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Reg K - The Shorebank Corporation, Chicago, 

Illinois, through its subsidiary, ShoreCap II 

Limited, to invest up to $5,000,000 in INDEbank, 

Blantyre, Malawi.

SHOREBANK CORPORATION, 

THE

Newspaper:

Federal Register:

CIC Not available

03/30/2010

Notice by Gaetano M. Cecchini, Canton, Ohio, 

as trustee of the Gaetano Mattioli Cecchini 

Living Trust, Canton, Ohio, to acquire 50 

percent or more of the voting shares of 

Southport Financial Corporation, Kenosha, 

Wisconsin, and thereby indirectly acquire 

Southport Bank, Kenosha, Wisconsin.

SOUTHPORT 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending March 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 04/15/2010

04/09/2010

Du Quoin State Bank ESOP, Du Quoin, Illinois, 

to become a bank holding company and to 

retain its existing ownership of 37.6 percent of 

Perry County Bancorp, Inc., Du Quoin, Illinois, 

and thereby indirectly acquire Du Quoin State 

Bank, Du Quoin, Illinois.

DU QUOIN STATE BANK ESOP

Newspaper:

Federal Register:

CIC Not available

03/31/2010

Notice by First State Bancorp, Inc. Employee 

Stock Ownership Plan (Irvin G. Waller and 

Duane S. Michie as trustees), Caruthersville, 

Missouri, to gain control of First State Bancorp, 

Inc., Caruthersville, Missouri.

FIRST STATE BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

03/22/2010

Notice by R. Tracy Fox, Little Rock, Arkansas, 

as trustee of the Smith Associated Banking 

Corporation Voting Trust Agreement, which will 

gain control of Smith Associated Banking 

Corporation, Hot Springs, Arkansas, and 

indirectly control Bank of Salem, Salem, 

Arkansas, and Security Bank, Stephens, 

Arkansas.

SMITH ASSOCIATED BANKING 

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 March 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

04/12/2010

Stonebridge Bancorporation, Minneapolis, 

Minnesota, to acquire 100 percent of Shakopee 

Bancorporation, Inc., Shakopee, Minnesota, and 

thereby indirectly acquire Citizens State Bank of 

Shakopee, Shakopee, Minnesota.

STONEBRIDGE 

BANCORPORATION

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending March 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/23/2010

03/22/2010

Notice submitted by Olen Ray Hibbard and 

William Michael (Mike) Thompson, both of 

Edmond, Oklahoma, as trustees of the Citizens 

Bancshares, Inc. Employee Stock Ownership 

Trust, to retain control of Citizens Bancshares, 

Inc., and thereby indirectly retain control of 

Citizens Bank of Edmond, both in Edmond, 

Oklahoma.

CITIZENS BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 03/26/2010

04/05/2010

Evergreen Bancorporation, Evergreen, 

Colorado, to acquire up to 100 percent of the 

voting shares of Clear Creek National Bank, 

Georgetown, Colorado.

EVERGREEN 

BANCORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

04/08/2010

PBS Bancshares, Inc., to become a bank holding 

company through the acquisition of 87.31 

percent of the voting shares of People's Bank of 

Seneca, both in Seneca, Missouri.

PBS 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 March 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/29/2010

03/30/2010

Notice by Mr. Michael Montgomery, Dallas, 

Texas, to apply to the Federal Reserve Board for 

permission to acquire control of Casey 

Bancorp., Inc, and indirectly control its 

subsidiary, Grand Bank of Texas, both of Grand 

Prairie, Texas.

CASEY BANCORP, INC

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas, to establish a 03/19/2010

branch at 6388 Camp Bowie Boulevard, Fort 

Worth, Tarrant County, Texas 76116.

COMERICA BANK

Newspaper:

Federal Register:

CIC 03/26/2010

03/29/2010

Notice by Dr. Michael L. Maris, Plano, Texas, to 

acquire control of The Community Group, Inc., 

Highland Village, Texas, and indirectly acquire 

United Community Bank, N. A., Highland 

Village, Texas

COMMUNITY GROUP, INC., THE

Newspaper:

Federal Register:

* 3A1 Not available

04/09/2010

TexStar Bancshares, Inc., Universal City, Texas, 

to become a bank holding company by 

acquiring 100 percent of TexStar National Bank, 

Universal City, Texas.

TEXSTAR BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/09/2010

TexStar Bancshares, Inc., Universal City, Texas, 

to become a bank holding company by 

acquiring 100 percent of TexStar National Bank, 

Universal City, Texas.

TEXSTAR 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 March 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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

01/29/2010

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund, L.P., Carpenter Community 

Bancfund-A, LP, Carpenter Community 

Bancfund-CA, L.P., SCJ, Inc., and CCFW, Inc., 

all of Irvine, California, to acquire up to 87 

percent of the outstanding voting shares of 

Mission Community Bancorp and thereby 

indirectly acquire a greater controlling interest 

in Mission Community Bank, both of San Luis 

Obispo, California; and 2) Mission Community 

Bancorp and Mission Community Bank, both of 

San Luis Obispo, California, to appoint Stephen 

P. Yost as a director of both Bancorp and Bank.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Circle Bancorp, Novato, California, Shoreline 

Capital Partners, LP, and Cole Financial 

Ventures, Inc., both of Mill Valley, California, to 

become bank holding companies by acquiring 

100 percent of Circle Bank upon conversion of 

the bank from an industrial bank to a commercial 

bank.

Circle Bancorp

Newspaper:

Federal Register:

CIC Not available

03/12/2010

Park Randal Roney, Mapleton, Utah, Blake 

Marshall Roney, Provo, Utah, Robert Tod 

Monsen, Mapleton, Utah, and Steven Jay Lund, 

of Provo, Utah, to acquire 25 percent or more of 

the voting shares of Community 

Bancorporation, Pleasant Grove, Utah, and 

thereby indirectly acquire voting shares of 

Western Community Bank, Orem, Utah.

COMMUNITY 

BANCORPORATION

Newspaper:

Federal Register:

CIC Not available

02/08/2010

Charles W. Reinking, Santa Rosa, California, to 

become co-Trustee of the Frank P. Doyle Trust, 

Article IX, which retains voting control of 

Exchange Bank, both of Santa Rosa, California.

FRANK P. DOYLE TRUST, 

ARTICLE IX

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Franklin Resources, Inc., San Mateo, California, 

to retain 9.53 percent of the voting shares of 

West Coast Bancorp, and thereby indirectly 

West Coast Bank, both of Lake Oswego, 

Oregon, pursuant to Section 3(a)(3) of the Bank 

Holding Company Act.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

12/07/2009

Golden Pacific Bancorp, Inc., Sacramento, 

California, to become a Bank Holding Company 

by acquiring 100 percent of the voting stock of 

Gold Country Financial Services, Inc., and 

indirectly its subsidiary, Gold Country 

Bank,National Association, both of Marysville, 

California.

GOLDEN PACIFIC BANCORP, 

INC.

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

Federal Reserve Bank of San Francisco

Filings received during the week ending March 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Land Bank of Taiwan Co., Ltd., Taipei, Taiwan, 

to establish a New York branch office pursuant 

to section 211.24(a)(2)(i)(A) of Regulation K.

LAND BANK OF TAIWAN

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

* 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