Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 33 

Week Ending August 14, 2010

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Holding Companies

Morgan Stanley & Co., New York, New York -- to place certain shares of Morgan 

Stanley into a custodial account pending action by the Board on the application of 

China Investment Corporation, Beijing, Peoples Republic of China, a sovereign 

wealth fund, to acquire voting shares of Morgan Stanley.

- Approved, August 10, 2010

Forms

Forms -- initial Board review to extend without revision the Compensation and 

Salary Surveys (FR 29a, b).

- Proposed, August 10, 2010

Regulations and Policies

Regulation E (Electronic Fund Transfers) -- interim final rule with request for 

comment to implement legislation modifying the effective date of certain disclosure 

requirements applicable to gift cards under the Credit Card Accountability 

Responsibility and Disclosure Act.

- Approved, August 10, 2010

Risk-Based Capital Guidelines -- interagency advance notice of proposed 

rulemaking requesting comment on alternatives to the use of credit ratings in the 

guidelines in order to comply with the Dodd-Frank Wall Street Reform and 

Consumer Protection Act.

- Approved, August 9, 2010

Enforcement

Brand Group Holdings, Inc., Lawrenceville, Georgia, and The Brand Banking 

Company -- written agreement with the Federal Reserve Bank of Atlanta and the 

Banking Commissioner of the State of Georgia.

- Announced, August 12, 2010

H.2 Board Actions August 8, 2010 to August 14, 2010

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

Paramount Bank, Farmington Hills, Michigan -- issuance of a prompt corrective 

action directive with the consent of the bank.

- Announced, August 12, 2010

Sonoma Valley Bancorp, Sonoma, California -- written agreement with the Federal 

Reserve Bank of San Francisco.

- Announced, August 9, 2010

H.2 Board Actions August 8, 2010 to August 14, 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

August 8, 2010 to August 14, 2010

Bank Branches, Domestic

Fifth Third Bank, Cincinnati, Ohio -- to establish branches at 13361 49th Street 

North, Clearwater, Florida; 9245 Atlantic Boulevard, Jacksonville; 2394 South 

Orange Avenue, Orlando; 4710 Park Street North, St. Petersburg; 2555 Piedmont 

Plaza, D-101, Atlanta, Georgia; 745 Chastain Road, Kennesaw; 702 North Green 

Bay Road, Waukegan, Illinois; 115 East Sibley Street, Hammond, Indiana; 

38505 26 Mile Road, Lenox, Michigan; 31125 Beck Road, Novi; 

1012 Loughborough Avenue, St. Louis, Missouri; 2736 Ashley Road, Charlotte, 

North Carolina; the intersection of Miles Avenue and East 131st Street, Cleveland, 

Ohio; and 825 West Market Street, Troy (14 applications).

Cleveland

- Approved, August 12, 2010

First Farmers and Merchants Bank, Columbia, Tennessee -- to establish a branch at 

4871 Port Royal Road, Spring Hill.

Atlanta

- Approved, August 13, 2010

Bank Holding Companies

A.N.B. Holding Company, Ltd., Terrell, Texas -- to acquire additional shares of The 

ANB Corporation, Terrell, and indirectly acquire The American National Bank of 

Texas; Lakeside Bancshares, Inc., Rockwall; and Lakeside National Bank.

Dallas

- Approved, August 13, 2010

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

Allcorp, Inc., Little Rock, Arkansas -- to become a bank holding company and to 

acquire Community State Bancshares, Inc., Bradley, and thereby acquire Community 

State Bank.

St. Louis

- Approved, August 10, 2010

AltaPacific Bancorp, Santa Rosa, California -- to become a bank holding company 

and to acquire AltaPacific Bank, Santa Rosa.

San Francisco

- Approved, August 12, 2010

Bank of Choice Holding Company, Greeley, Colorado -- to engage in lending 

activities.

Kansas City

- Approved, August 9, 2010

NC Bancorp, Inc., Chicago, Illinois -- to continue to engage de novo in making, 

acquiring, brokering, or servicing loans or other extensions of credit.

Chicago

- Withdrawn, August 11, 2010

Bank Mergers

Union First Market Bank, Richmond, Virginia -- to merge with The Rappahannock 

National Bank, Washington, and thereby establish a branch.

Richmond

- Approved, August 11, 2010

H.2 Actions under delegated authority August 8, 2010 to August 14, 2010

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

Union First Market Bank, Richmond, Virginia -- to merge with Northern Neck State 

Bank, Warsaw, and thereby establish a branch.

Richmond

- Approved, August 11, 2010

Change in Bank Control

Bastrop Bancshares, Inc., Bastrop, Texas -- change in bank control of Bastrop 

Bancshares and its subsidiary bank, The First National Bank of Bastrop, Bastrop.

Dallas

- Withdrawn, August 12, 2010

Border Bancshares, Inc., Greenbush, Minnesota -- change in bank control of Border 

Bancshares and its subsidiary bank, Border State Bank, Greenbush.

Minneapolis

- Permitted, August 13, 2010

Opportunity Bancshares, Inc., Bettendorf, Iowa -- change in bank control of 

Opportunity Bancshares and its subsidiary bank, Opportunity Bank, NA, Richardson, 

Texas (two notices).

Dallas

- Permitted, August 11, 2010

Extensions of Time

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri -- extension 

to November 25, 2010, to increase its ownership of Cabool Bancshares, Inc., Cabool, 

and thereby increase its indirect control of Cabool State Bank.

St. Louis

- Granted, August 10, 2010

H.2 Actions under delegated authority August 8, 2010 to August 14, 2010

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

Community Bank Partners, Inc., Denver, Colorado -- extension to October 14, 2010, 

to become a bank holding company and to acquire The Palisades National Bank, 

Palisade.

Kansas City

- Granted, August 13, 2010

H.2 Actions under delegated authority August 8, 2010 to August 14, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending August 14, 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 August 14, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire fifty additional shares of 473 

Broadway Holding Corporation and to acquire 

one thousand five hundred additional shares of 

The Adirondack Trust Company,(the 

"Bank")both of Saratoga Springs, New York and 

after the fact approval for one hundred and 

eight shares for the Bank.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of China Limited, Beijing, China, to 

establish a federal branch in Chicago, Illinois, 

pursuant to Section 211.24(a)(1) of Regulation 

K.

BANK OF CHINA LIMITED

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of New York Mellon, New York, New York, 

on behalf of its subsidiary, Mellon Overseas 

Investment Corporation, Greenville, Delaware, 

pursuant to Section 211.9(f) of Regulation K, to 

establish BNY Mellon Banco S.A., Rio de 

Janeiro, Brazil.

BANK OF NEW YORK MELLON, 

THE

Newspaper:

Federal Register:

4c8 Not applicable

08/18/2010

New York Private Bank & Trust Corporation and 

Emigrant Bancorp, Inc., both of New York, New 

York, to convert New York Private Bank & 

Trust, FSB, Wilmington, Delaware, its federal 

savings bank subsidiary, to New York Private 

Trust Company, a trust company, pursuant to 

Section 4(c)(8) of the BHC Act and Section 

225.24 of Regulation Y, and thereby engage in 

trust company functions.

EMIGRANT BANCORP, INC.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending August 14, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

07/20/2010

Patriot Financial Partners, GP, L.P., Patriot 

Financial Partners, L.P., Patriot Financial 

Partners Parallel, L.P., Patriot Financial Partners, 

GP, LLC, Patriot Financial Managers, L.P., and 

Messrs. Ira M. Lubert, W. Kirk Wycoff and 

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 19.2 percent of 

Palmetto Bancshares, Inc., Greenville, SC.

PATRIOT FINANCIAL 

PARTNERS LP

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending August 14, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/01/2010

09/02/2010

Interagency Notices of Change in Control filed 

by Charles Beach, III, Beatyville, KY of his 

intent to acquire up to 50.03% of the voting 

shares of Genbeach Company, Inc., Beattyville, 

KY and by the Beach Immediate Family 

consisting of Charles Beach, III, Beattyville, KY; 

Charles Beach, IV, London, England; and Taylor 

Beach Moloney, Nashville, TN who intend to 

acquire 100% of the voting shares of Genbeach 

Company, Inc. Genbeach Company, Inc. 

controls Peoples Exchange Bank of Beattyville, 

Inc., Beattyville, KY.

GENBEACH CO., INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Control by 

WVS Financial Corp. Employee Stock 

Ownerhsip Plan ("ESOP") and Jonathan D. 

Hoover, sole trustee, Pittsburgh, PA to retain 

12.2% and eventually acquire up to 24.9% of the 

outstanding common voting shares of WVS 

Financial Corp., Pittsburgh, PA.

WVS FINANCIAL CORP.

* 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 August 14, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Clarke County, Berryville, Virginia, to 08/27/2010

establish a branch 21 Main Street, Round Hill, 

Virginia.

BANK OF CLARKE COUNTY

* 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

 491822 BANK OF GASSAWAY, GASSAWAY, WEST VIRGINIA 04/05/2010 07/07/2010 S Small Bank

 969424 HIGHLANDS UNION BK, ABINGDON, VIRGINIA 03/15/2010 07/06/2010 S Int Sm Bank

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 August 14, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/18/2010

Prior change in control notice filed by Shelby 

Cicero Peeples, Jr., Dalton, Georgia, to acquire 

an additional 27.70 percent of the outstanding 

shares of FBD Holding Company, Inc., and its 

subsidiary, First Bank of Dalton, both of Dalton, 

Georgia. Total pro forma ownership will equal 

32.22 percent.

FBD HOLDING COMPANY, INC.

Newspaper:

Federal Register:

CIC Not available

08/25/2010

First Citizens-Crenshaw Bancshares, Luverne, 

Alabama, prior change in control filed by John 

Milton Wise, Sr., Lilellen Hicks Wise, Mack 

Arthur Wise, John Milton Wise, Jr., Stephanie 

Wise Jones, Michael Eugene Jones, Candace 

Aline Jones Sansing, Klein McCaegor Jones, 

and Sadie Ellen Jones, all of Luverne, Alabama, 

to collectively acquire an additional 9.34 percent 

of the outstanding shares of First 

Citizens-Crenshaw Bancshares, Inc., and its 

subsidiary, First Citizens Bank, both of Luverne, 

Alabama. Total pro forma ownership will equal 

25.34 percent.

FIRST CITIZENS-CRENSHAW 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 08/19/2010

establish the following branches: 15 West I-65 

Service Road North, Mobile, Alabama, to be 

known as the Spring Hill Branch; and 22530 US 

Highway 98, Suite 100, Fairhope, Alabama, to be 

known as the Fairhope Branch.

IBERIABANK

Newspaper:

Federal Register:

CIC Not available

08/18/2010

After-the-fact change in control notice filed by 

Kenneth Richard Murray, Naples, Florida to 

retain 39.67 percent of the outstanding shares of 

Naples Bancorp, Inc., and its subsidiary bank, 

Bank of Naples, both of Naples, Florida.

NAPLES BANCORP, INC.

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

Federal Reserve Bank of Atlanta

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 August 14, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/16/2010

C-B-G, Inc., West Liberty, Iowa, to acquire an 

additional $5 million (only $200,000 from C-B-G, 

Inc. and the remaining from executive officers, 

directors, and shareholders which are 

considered to be acting in concert) of common 

stock, or up to 50.01 percent, in Washington 

Bancorp, Washington, Iowa, and thereby 

increase it's indirect interest in Washington 

Bancorp's subsidiary, Federation Bank, 

Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

CIC Not available

08/23/2010

Notice by Betty J. Bradshaw 2000 Irrevocable 

Trust dated 10/30/00-Charles M. Shea, Trustee, 

to acquire shares of First Community 

Bancshares Corp., Anamosa, Iowa, and thereby 

indirectly acquire shares of First Community 

Bank, Milton, Wisconsin.

FIRST COMMUNITY 

BANCSHARES CORP.

* 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

 503547 FAIRMOUNT ST BK, FAIRMOUNT, INDIANA 03/08/2010 07/19/2010 S Small Bank

 686271 FIRST CHICAGO B&T, CHICAGO, ILLINOIS 04/12/2010 08/02/2010 S Small Bank

 956134 LA SALLE ST BK, LA SALLE, ILLINOIS 02/08/2010 07/19/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 14, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/20/2010

08/27/2010

Notice by George J. Shackelford, Coila, 

Mississippi, to increase control of Peoples 

Commerce Corporation, North Carrollton, 

Mississippi.

PEOPLES COMMERCE 

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

 663450 BANK OF LA, LOUISIANA, MISSOURI 04/05/2010 07/21/2010 S Small Bank

 719656 CALLAWAY BK, FULTON, MISSOURI 04/05/2010 07/21/2010 S Int Sm Bank

 728742 FARMERS BK & CAPITAL TC, FRANKFORT, KENTUCKY 03/22/2010 07/07/2010 S Int Sm Bank

 48374 FIRST FINANCIAL BK, EL DORADO, ARKANSAS 11/30/2009 06/21/2010 S Int Sm Bank

 426141 FIRST ST BK, SAINT PETER, ILLINOIS 03/08/2010 07/01/2010 S Small Bank

 453446 HEBER SPRINGS ST BK, HEBER SPRINGS, ARKANSAS 02/22/2010 06/15/2010 S Small Bank

 2967349 LIBERTY BANK OF ARKANSAS, JONESBORO, ARKANSAS 09/21/2009 07/29/2010 S Large Bank

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 August 14, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/03/2010

Kirkwood Bancorporation Co., Bismarck, North 

Dakota and Kirkwood Bancorporation of 

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

94.89% of Eagle Valley Bank, National 

Association, Saint Croix Falls, Wisconsin.

KIRKWOOD 

BANCORPORATION OF 

NEVADA, INC.

Newspaper:

Federal Register:

CIC 08/20/2010

08/25/2010

Richard G. Anderson, Helena, Montana, 

individually, and as part of a group acting in 

concert with Dick and Margaret Anderson, FLP; 

Dick Anderson Construction, Inc.; Dick 

Anderson Construction Profit Sharing Plan & 

Trust; MA Construction, Inc., (fka MAC 

Equipment Rental); Margaret F. Anderson; 

Norma J. Anderson, all of Helena, Montana, and 

David L. Anderson of Los Altos Hills, 

California, to acquire and retain 10 percent or 

more of the shares of Mountain West Financial 

Corp., Helena, Montana, and thereby indirectly 

acquire and retain control of Mountain West 

Bank, National Association, Helena, Montana.

MOUNTAIN WEST FINANCIAL 

CORP.

Newspaper:

Federal Register:

CIC Not available

08/25/2010

Sandra and Jule Jacobson, Plentywood, 

Montana, to acquire 10 percent or more of the 

shares of Treasure Bancorp, Inc., Plentywood, 

Montana, and thereby indirectly gain control of 

Montana State Bank, Plentywood, Montana; 

Edward and Lois Angvick, Medicine Lake, 

Montana, as a group acting in concert, to 

acquire 10 percent or more of the shares of 

Treasure Bancorp, Inc., Plentywood, Montana, 

and thereby indirectly gain control of Montana 

State Bank, Plentywood, Montana; and Walter 

Norbo, Plentywood, Montana; the Julia J. 

Norbo Exemption Trust, Plentywood, Montana; 

and Patsy Morstad, trustee of the Julia J. Norbo 

Exemption Trust, Plentywood, Montana, as a 

group acting in concert, to acquire 10 percent or 

more of the shares of Treasure Bancorp, Inc., 

Plentywood, Montana, and thereby indirectly 

gain control of Montana State Bank, 

Plentywood, Montana.

TREASURE BANCORP, 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

 467957 FULTON ST BK, FULTON, SOUTH DAKOTA 04/26/2010 08/05/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 14, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Citizens National Bank, Arlington, Kansas, to 09/04/2010

merge with and into Citizens State Bank, 

Wisner, Nebraska.

CITIZENS STATE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank of Utica, Utica, Nebraska, to establish 08/13/2010

a branch at 801 1st Street, Friend, Nebraska.

FIRST BANK OF UTICA

Newspaper:

Federal Register:

CIC Not available

09/01/2010

Notification submitted by Bart R. Kirchoff, 

Hollis, Oklahoma, individually and as a member 

of the Kirchoff family group; and Kim A. 

Kirchoff, Wimberly, Oklahoma, as a member of 

the Kirchoff family group, to retain control of 

Great Plains Bancshares, Inc., Hollis, Oklahoma, 

parent of Great Plains National Bank, Elk City, 

Oklahoma.

GREAT PLAINS 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

 94858 ADRIAN BK, ADRIAN, MISSOURI 04/26/2010 07/29/2010 O Small Bank

 973252 SWEDISH-AMERICAN ST BK, COURTLAND, KANSAS 05/17/2010 08/02/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 14, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 August 14, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/15/2010

Anchor Bancorp, Inc., Lacey, Washington, to 

become a bank holding company by acquiring 

100 percent of Anchor Mutual Savings Bank, 

Aberdeen, Washington, upon conversion from 

a mutual savings bank to a stock savings bank.

ANCHOR BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

09/10/2010

RBB Bancorp, Los Angeles, California, to 

become a bank holding company by acquiring 

100 percent of Royal Business Bank, Los 

Angeles, California.

RBB BANCORP

* 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