Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 50 

Week Ending December 12, 2009

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

Forms -- initial Board review to implement the Senior Credit Officer Opinion Survey 

on Dealer Financing Terms (FR 2034).

- Proposed, December 8, 2009

Enforcement

First Mariner Bancorp, Baltimore, Maryland -- written agreement with the Federal 

Reserve Bank of Richmond.

- Announced, December 11, 2009

Pierce County Bancorp, Tacoma, Washington, and Pierce Commercial Bank -- 

issuance of a consent cease and desist order by the Board and the Washington State 

Department of Financial Institutions.

- Announced, December 7, 2009

River Valley Bancorp, Inc., Davenport, Iowa -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, December 8, 2009

H.2 Board Actions December 6, 2009 to December 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

December 6, 2009 to December 12, 2009

Bank Branches, Domestic

Comerica Bank, Dallas, Texas -- to establish a branch at 1212 South Pacific Coast 

Highway, Redondo Beach, California.

Dallas

- Approved, December 9, 2009

Middleburg Bank, Middleburg, Virginia -- to establish a branch at 5372 Discovery 

Park Boulevard, Suite 101, Williamsburg.

Richmond

- Approved, December 11, 2009

TriSummit Bank, Kingsport, Tennessee -- to establish a branch at 1999 East Stone 

Drive, Kingsport.

Atlanta

- Approved, December 9, 2009

Bank Holding Companies

BankCap Partners Fund I, L.P., Dallas, Texas; BankCap Partners GP, LP; and 

BankCap Equity Fund, LLC -- to acquire First Bankshares, Inc., Suffolk,Virginia, 

and indirectly acquire SuffolkFirst Bank, and for BCP Fund I Virginia Holdings, 

LLC, Dallas, Texas, to become a bank holding company and to acquire First 

Bancshares and indirectly aquire SuffolkFirst Bank.

Dallas

- Approved, December 7, 2009

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

Clinton Financial Services, MHC, Clinton, Massachusetts, and Wachusett Financial 

Services -- relief from certain commitments.

Director, BS&R

- Granted, December 10, 2009

Heritage First Bancshares, Inc., Rome, Georgia -- relief from a commitment.

Atlanta

- Withdrawn, December 7, 2009

Bank Mergers

1st United Bank, Boca Raton, Florida -- to purchase certain assets and assume certain 

liabilities of Republic Federal Bank, N.A., Miami.

Secretary

- Approved, December 11, 2009

Arvest Bank, Fayetteville, Arkansas -- to purchase the assets and assume the 

liabilities of SolutionsBank, Overland Park, Kansas, and to retain the acquired 

facilities as branches.

St. Louis

- Approved, December 11, 2009

Change in Bank Control

City State Bancorporation, Inc., Central City, Iowa -- change in bank control of City 

State; its subsidiary holding company, M.S.B. Corporation, Central City; and its 

subsidiary bank, City State Bank.

Chicago

- Permitted, December 10, 2009

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

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

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to March 18, 2010, 

to establish a branch at Moorland Boulevard and National Avenue, New Berlin.

Chicago

- Granted, December 10, 2009

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

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

Federal Reserve Bank of Boston

Filings received during the week ending December 12, 2009

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 December 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A., Las Vegas, Nevada, pursuant to 

Section 211.9(f) of Regulation K, to make an 

additional investment in Citibank Del Peru S.A., 

Lima, Peru.

CITIBANK, N.A.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

First Niagara Financial Group, Inc., Buffalo, New 

York, to become a bank holding company by 

acquiring Harleysville National Corporation and 

Harleysville National Bank and Trust Company, 

both of Harleysville, Pennsylvania.

FIRST NIAGARA FINANCIAL 

GROUP, 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 December 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 December 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

01/08/2010

Application by Excel Bancorp, LLC, St. 

Clairsville, Ohio, to acquire a controlling interest 

in Ohio Legacy Corp. and its sole banking 

subsidiary, Ohio Legacy Bank, N.A., Wooster, 

Ohio

Excel Bancorp, 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

 853112 HEARTLAND BK, GAHANNA, OHIO 07/28/2008 08/17/2009 NI Int Sm 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 December 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 December 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Capital City Bank, Tallahassee, Florida, to 12/23/2009

establish a branch located at 148 South 

Highway 17, East Palatka, Florida.

CAPITAL CITY BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 12/22/2009

establish a branch located at 8675 Spring 

Cypress Road, Spring, Texas, to be known as 

the Glenloch Branch.

COMPASS BANK

Newspaper:

Federal Register:

CIC 12/26/2009

12/30/2009

Prior change in control notice filed by James 

Michael Hattaway, Winter Springs, Florida; 

James Lewis Hewitt, Orlando, Florida; Vincent 

Smith Hughes, Orlando, Florida; Richard Terrell 

McCree, Orlando, Florida; David Gene Powers, 

Alamonte Springs, Florida; Donald Franklin 

Wright, Winter Springs, Florida; and David 

McLeod, Orlando, Florida; to collectively 

acquire up to 30 percent of the outstanding 

shares of Riverside Central Florida Banking 

Company, and its subsidiary, Riverside Bank of 

Central Florida, both of Winter Park, Florida.

RIVERSIDE CENTRAL FLORIDA 

BANKING COMPANY

* 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 December 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank & Trust, Evanston, Illinois, to 12/18/2009

establish a branch facility to be located at 1250 

N. Arlington Heights Road, Suite 175, Itasca, 

Illinois.

FIRST BANK & TRUST

Newspaper:

Federal Register:

* 3A3 Not available

01/02/2010

United Community Bancorp, Inc., Chatham, 

Illinois, to acquire 100 percent of the voting 

shares of Marine Bank & Trust, Carthage, 

Illinois and Brown County State Bank, Mount 

Sterling, Illinois.

UNITED COMMUNITY 

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

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 December 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Bank of Ohio County, Dundee, Kentucky, to 

become a member of the Federal Reserve 

System.

BANK OF OHIO COUNTY, INC.

Newspaper:

Federal Register:

* 3A1

Not available

OSK, Inc., Edina, Minnesota, to become a bank 01/11/2010

holding company by acquiring 100 percent of 

Texico Bancshares Corporation, Texico, Illinois, 

and thereby indirectly acquire Texico State 

Bank, Texico, Illinois.

OSK, 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 December 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by James A. Jorgenson, Jorgenson 

Holding Company, the Karen Jorgenson Trust 

(Karen Neidhardt and James A. Jorgenson, 

Trustees), and Leonard M. Jorgenson, all of 

Kenmare, North Dakota, acting in concert, to 

retain control of Bozeman Bancorp, Inc., 

Bozeman, Montana, and indirectly retain control 

of the Bank of Bozeman, Bozeman, Montana

BOZEMAN BANCORP, INC.

Newspaper:

Federal Register:

CIC 12/15/2009

12/28/2009

Notice by Cullen Thompson, Houston, Texas, 

Barton Thompson, Houston, Texas, and Betsy 

Lehman, Fort Morgan, Colorado, to acquire 

shares of Faith Bank Holding Company, Faith, 

South Dakota, and thus to join a group acting in 

concert, consisting of Carveth and Margaret 

Thompson, Lead, South Dakota; Gary and 

Nancy Vance, Faith, South Dakota; Eldon 

Jensen, Lemmon, South Dakota; and Morris 

Gustafson, Faith, South Dakota, which controls 

25 percent or more of Faith Bank Holding 

Company. Faith Bank Holding Company 

controls Farmers State Bank, Faith, South 

Dakota.

FAITH BANK HOLDING 

COMPANY

Newspaper:

Federal Register:

* 3A3 12/20/2009

01/07/2010

First State Bank Southwest 2002 Amended and 

Restated KSOP Plan and Trust, Worthington, 

Minnesota, to acquire 28.702% of the voting 

shares of First Rushmore Bancorporation, Inc., 

Worthington, Minnesota, and thereby acquire 

control of First State Bank Southwest, 

Pipestone, Minnesota.

FIRST STATE BANK 

SOUTHWEST 2002 AMENDED 

AND RESTATED KSOP PLAN 

AND TRUST

* 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 December 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/30/2009

Notice submitted by the Robert and Norman 

Ohlde Trust, Robert and Norma Ohlde, trustees, 

Linn, Kansas; Steven and Cynthia Ohlde, Linn, 

Kansas; and Timothy and Debra Ohlde, Clyde, 

Kansas, acting in concert, to retain/acquire 

control of Elkcorp, Inc., and thereby indirectly 

retain/acquire control of The Elk State Bank, 

both in Clyde, Kansas. Notice by the Robert 

and Norma Ohlde Trust, Robert and Norma 

Ohlde, trustees, Linn, Kansas; to individually 

acquire control of Elkcorp, Inc., and thereby 

indirectly acquire control of The Elk State Bank, 

both in Clyde, Kansas.

ELKCORP, INC.

Newspaper:

Federal Register:

CIC Not available

12/15/2009

Notice by John Titus, Suzanne Titus, Paula 

Titus (individually and as trustee of the L.G. 

Titus Family Trust and the L.G. Titus Marital 

Trust), Eric Titus, Louis (Ted) Titus, all of 

Holdrege, Nebraska; and Ann Titus Nelson, 

Lonsdale, Minnesota; to acquire control of First 

Holdrege Bancshares, Inc., parent of The First 

National Bank of Holdrege, both of Holdrege, 

Nebraska, through the acquisition of voting 

shares.

FIRST HOLDREGE 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 12/24/2009

12/24/2009

Notice submitted by the Terry Beach Edwards 

Living Trust, the Ross Beach Living Trust, the 

Marianna Beach Living Trust, and the 2009 

Marianna Beach Irrevocable Trust; and by 

Terry Beach Edwards, Hutchinson, Kansas, 

individually and as trustee of the 

aforementioned trusts; all acting as a group in 

concert to retain control of Kansas Natural Gas, 

Inc., Hays, Kansas, and thereby indirectly retain 

control of Douglas County Bank, Lawrence, 

Kansas.

KANSAS NATURAL GAS, INC.

Newspaper:

Federal Register:

CIC Not available

12/04/2009

Notice by the Estate of Catherine G. Eisemann, 

Trinidad, Colorado and Roger Dean Eisemann, 

Houston, Texas, individually, as a member of 

the Eisemann Family and as Co-Executor of the 

Estate of Catherine G. Eisemann, to retain 

control of Republic Trinidad Corporation, 

Houston, Texas, parent of First National Bank in 

Trinidad, Trinidad, Colorado.

REPUBLIC TRINIDAD 

CORPORATION

Newspaper:

Federal Register:

* 3A3 12/14/2009

01/04/2010

Stockgrowers State Bank Employee Stock 

Ownership Plan, Ashland, Kansas to acquire up 

to an additional 3.24 percent for a total of 37.0 

percent of the voting shares of Stockgrowers 

Banc Corporation, Ashland, Kansas, parent of 

Stockgrowers State Bank of Ashland, Kansas, 

and Peoples Bank, Coldwater, Kansas.

STOCKGROWERS STATE BANK 

EMPLOYEE STOCK OWNERSHIP 

PLAN

* 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 December 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

01/11/2010

Bank4Texas Holdings, Inc., Tomball, Texas, to 

become a bank holding company by acquiring 

Northern Bancshares, Inc., Chillicothe, Texas, 

and indirectly acquire The First National Bank 

of Chillicothe, Chillicothe, Texas.

BANK4TEXAS HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A5 Not available

01/04/2010

Family Bancorp, Inc., San Antonio, Texas, to 

acquire by merger Medina Bankshares, Inc., 

Hondo, Texas, and indirectly acquire D'Hanis 

State Bank, D'Hanis, Texas.

FAMILY BANCORP, 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 December 12, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/08/2009

BOTC Holdings LLC, Lightyear Fund II, L.P., 

Lightyear Co-Invest Partnership II, L.P., 

Lightyear Fund II GP, L.P., Lightyear Fund II GP 

Holdings, LLC, Marron & Associates, LLC, 

Chestnut Venture Holdings, LLC, Donald B. 

Marron, Lightyear Capital LLC and Lightyear 

Capital II, LLC, all of New York, New York, to 

acquire up to 24.9% of the voting shares of 

Cascade Bancorp, and thereby indirectly 

acquire The Bank of the Cascades, both of 

Bend, Oregon.

CASCADE BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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.

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:

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

* 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