Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 40 

Week Ending October 2, 2010

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony and Statements

Regulatory Reform Implementation -- statement by Chairman Bernanke before the 

Senate Committee on Banking, Housing, and Urban Affairs on the Federal Reserve's 

implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act 

of 2010.

- Published, September 30, 2010

Advisory Councils

Community Depository Institutions Advisory Council -- to form the CDIAC by 

expanding and renaming the Thrift Institutions Advisory Council.

- Announced, October 1, 2010

Monetary and Financial Policy

American International Group, Inc., New York, New York -- authorization for the 

Federal Reserve Bank of New York to take certain actions to facilitate the 

Department of the Treasury's proposal to restructure the government's support for 

AIG.

- Approved, September 29, 2010

Term Deposit Facility -- TDF small-value auction of $5 billion in 28-day term 

deposits on October 4, 2010.

- Announced, September 30, 2010

Regulations and Policies

Payment System Risk Policy -- implementation date of March 24, 2011, for the 2008 

revisions to the Board's policy on Payment System Risk.

- Announced, September 30, 2010

H.2 Board Actions September 26, 2010 to October 2, 2010

(A/C) = Addition or Correction Board - Page 1 of 2
Regulations and Policies

Regulation BB (Community Reinvestment) -- final interagency rules to implement 

statutory provisions that require the financial regulatory agencies to consider 

low-cost education loans to low-income borrowers, and that allow the agencies to 

consider certain activities undertaken in cooperation with minority- or women-owned 

institutions or low-income credit unions, when assessing a financial institution's 

record of meeting community credit needs.

- Announced, September 29, 2010

Enforcement

First Heritage Corporation, Carthage, Mississippi -- written agreement with the 

Federal Reserve Bank of Atlanta.

- Announced, September 29, 2010

Monarch Community Bancorp, Inc., Coldwater, Michigan -- written agreement with 

the Federal Reserve Bank of Chicago.

- Announced, September 27, 2010

H.2 Board Actions September 26, 2010 to October 2, 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

September 26, 2010 to October 2, 2010

Bank Branches, Domestic

Citizens Bank, Flint, Michigan -- to establish a branch at 31215 West Fourteen Mile 

Road, Farmington Hills.

Chicago

- Approved, September 30, 2010

Evolve Bank & Trust, West Memphis, Arkansas -- to establish a branch at 

8000 Centerview Parkway, Suite 500, Cordova, Tennessee.

St. Louis

- Approved, September 29, 2010

Five Star Bank, Warsaw, New York -- to establish a branch at 3171 Chili Avenue, 

Monroe County, New York.

New York

- Approved, October 1, 2010

Palm Beach Community Bank, Boynton Beach, Florida -- to establish a branch at 

8101 Okeechobee Boulevard, West Palm Beach.

Atlanta

- Approved, September 28, 2010

Bank Holding Companies

215 Holding Company, Minneapolis, Minnesota -- to acquire White Rock Bank, 

Cannon Falls.

Minneapolis

- Approved, October 1, 2010

(A/C) = Addition or Correction Delegated - 1 of 6
Bank Holding Companies

Australia and New Zealand Banking Group Ltd., Docklands, Australia -- waiver of 

application for acquisition by Banking Group's subsidiary holding company and bank 

as part of an internal reorganization, in connection with the merger of Banking 

Group's subsidiary banks, Amerika Samoa Bank, Pago Pago, American Samoa, and 

ANZ Guam, Inc., Hagatna, Guam.

New York

- Granted, September 20, 2010

(A/C)

Benefit Financial Group, Inc., Fort Smith, Arkansas -- to become a bank holding 

company on the conversion of its subsidiary bank, Benefit Bank, Fort Smith, from a 

federally chartered savings institution to a state-chartered bank.

St. Louis

- Withdrawn, September 27, 2010

BNP Paribas, Paris, France -- to engage in energy tolling and provide energy 

management services in the United States as activities that are complementary to a 

financial activity.

Director, BS&R

- Approved, September 21, 2010

(A/C)

CapGen Capital Group V LP, New York, New York; CapGen Capital Group V LLC; 

CapGen Capital Group VI LP; and CapGen Capital Group VI LLC -- requests for 

exemptions under the Depository Institution Management Interlocks Act and 

Regulation L.

General Counsel

- Granted, October 1, 2010

H.2 Actions under delegated authority September 26, 2010 to October 2, 2010

(A/C) = Addition or Correction Delegated - 2 of 6
Bank Holding Companies

First Bank Corp, Fort Smith, Arkansas -- to acquire shares of Bankshares of 

Fayetteville, Inc., Fayetteville, and thereby indirectly acquire Bank of Fayetteville.

St. Louis

- Withdrawn, September 27, 2010

Mason National Bancshares, Inc., Mason, Texas, and Mason National Bank 

Employee Stock Ownership Plan -- to engage de novo in lending activities through 

the acquisition of loans from its subsidiary bank, Mason National Bank, Mason.

Dallas

- Approved, September 29, 2010

Morgan Stanley, New York, New York -- waiver of remainder of prior-notification 

period to invest in Aldermore Bank plc, Peterborough, United Kingdom.

Director, BS&R

- Granted, September 28, 2010

PNBK Holdings LLC, Stamford, Connecticut, PNBK Sponsor LLC, and PNBK 

Investment Partners LLC -- to become bank holding companies and to acquire Patriot 

National Bancorp, Inc., Stamford, and Patriot National Bank.

New York

- Approved, September 30, 2010

Vantage Bancshares, Inc., Albertville, Alabama -- to become a bank holding 

company and to acquire Vantage Bank of Alabama, Albertville.

Atlanta

- Approved, September 30, 2010

H.2 Actions under delegated authority September 26, 2010 to October 2, 2010

(A/C) = Addition or Correction Delegated - 3 of 6
Bank Holding Companies

Wells Fargo & Company, San Francisco, California -- to acquire shares of Western 

Liberty Bancorporation, Las Vegas, Nevada, and thereby indirectly acquire shares of 

Service1st Bank of Nevada.

Secretary

- Approved, September 30, 2010

Western Liberty Bancorp, Las Vegas, Nevada -- to become a bank holding company 

and to acquire Service1st Bank of Nevada, Las Vegas.

San Francisco

- Approved, September 30, 2010

Bank Mergers

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

liabilities of Wakulla Bank, Crawfordville, Florida, and to retain the acquired 

facilities as branches.

St. Louis

- Approved, October 1, 2010

First Southern Bank, Boca Raton, Florida -- to purchase the assets and assume the 

liabilities of Haven Trust Bank Florida, Ponte Vedra Beach.

Atlanta

- Approved, September 24, 2010

(A/C)

Change in Bank Control

First Citizens-Crenshaw Bancshares, Inc., Luverne, Alabama -- change in bank 

control of First Citizens and its subsidiary bank, First Citizens Bank, Luverne.

Atlanta

- Permitted, October 1, 2010

H.2 Actions under delegated authority September 26, 2010 to October 2, 2010

(A/C) = Addition or Correction Delegated - 4 of 6
Change in Bank Control

Mountain West Financial Corp., Helena, Montana -- change in bank control of 

Mountain West and its subsidiary bank, Mountain West Bank, National Association, 

Helena.

Minneapolis

- Permitted, September 30, 2010

North Valley Bancshares, Inc., Zanesville, Ohio -- change in bank control of North 

Valley and its subsidiary bank, North Valley Bank, Zanesville.

Cleveland

- Withdrawn, September 28, 2010

TCSB Bancorp, Inc., Traverse City, Michigan -- change in bank control of TCSB and 

its subsidiary bank, Traverse City State Bank, Traverse City.

Chicago

- Permitted, September 30, 2010

Extensions of Time

Industrial and Commercial Bank of China, Limited, Beijing, China -- extension to 

December 25, 2010, to acquire Strong City Securities LLC, Newton, New Jersey, and 

the prime dealer services business unit of Fortis Securities LLC, New York, New 

York, and thereby engage in certain securities activities.

New York

- Granted, October 1, 2010

H.2 Actions under delegated authority September 26, 2010 to October 2, 2010

(A/C) = Addition or Correction Delegated - 5 of 6
Membership

Bank of Salem, Salem, Arkansas -- to become a member of the Federal Reserve 

System.

St. Louis

- Approved, September 29, 2010

H.2 Actions under delegated authority September 26, 2010 to October 2, 2010

(A/C) = Addition or Correction Delegated - 6 of 6
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending October 2, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 10/03/2010

10/14/2010

Eastern Bank Corporation, Boston, 

Massachusetts to acquire 100% of the voting 

shares of Wainwright Bank & Trust Company, 

Boston, Massachusetts, pursuant to section 

3(a)(3) of the BHC Act.

EASTERN BANK 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

10/22/2010

Rockville Financial, Rockville, Connecticut, to 

acquire 100% of the outstanding capital stock of 

Rockville Bank, Rockville, Connecticut pursuant 

to section 3(a)(1) of the BHC Act in connection 

with the reorganization of Rockville Financial, 

MHC, Rockville, Connecticut, from mutual to 

stock form.

ROCKVILLE FINANCIAL, INC.

* 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 October 2, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Agricultural Bank of China Limited, Beijing, 

China to upgrade its New York representative 

office to a branch office pursuant to Section 

211.24(a)(1) of Regulation K.

AGRICULTURAL BANK OF 

CHINA, THE

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A., Las Vegas, Nevada, and Citibank 

Overseas Investment Corporation, New Castle,

Delaware, pursuant to Section 211.9(f) of 

Regulation K, to make an additional investment 

in Egg Banking plc, Derby, England.

CITIBANK, N.A.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A., Las Vegas, Nevada, and Citibank 

Overseas Investment Corporation, New Castle, 

Delaware, pursuant to Section 211.9(f) of 

Regulation K, to make an additional investment 

in Futures Mortgage Ltd., London, England.

CITIBANK, N.A.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citigroup Inc., New York, New York, and 

Citibank Overseas Investment Corporation, New 

Castle, Delaware, pursuant to Section 211.9(f) of 

Regulation K, to transfer Citibank Japan Limited 

to Citigroup Japan Holdings Corporation, both 

of Tokyo, Japan.

CITIGROUP 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 October 2, 2010

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 October 2, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change in Bank Control by Clay P. 

Graham, Bryan H. Graham and the Estate of 

James F. Graham, acting in concert, to acquire 

26.67% or more of the outstanding voting 

shares of North Valley Bancshares, Zanesville, 

Ohio and Notice of Change in Bank Control by 

Clay P. Graham, individually, to acquire 14.70% 

or more of the outstanding voting shares of 

North Valley Bancshares, Zanesville, Ohio.

NORTH VALLEY BANCSHARES, 

INC.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 October 2, 2010

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 October 2, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Prior change in control notice filed by Stuart 

and Teresa Gibson, both of Canton, Georgia, to 

acquire 55.80 percent of the outstanding shares 

of First Cherokee Bancshares, Inc., and its 

subsidiary, First Cherokee State Bank, both of 

Woodstock, Georgia. Pro forma total ownership 

will equal 59.98 percent.

FIRST CHEROKEE 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

10/18/2010

Prior change in control notice filed by Camp 

QFP, L.L.L.P., Atlanta, Georgia, and its general 

partners, Mary L. Camp and Lovell E. Camp, 

both of Atlanta, Georgia, to acquire 17.98 

percent of the outstanding shares of FMCB 

Holdings, Inc., and its subsidiary, First Choice 

Community Bank, both of Dallas, Georgia.

FMCB HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/29/2010

Advanced Federal Register filed by PFGBI, LLC, 

McDonough, Georgia, to become a bank 

holding company by acquiring approximately 

50.8 percent of the outstanding shares of 

Montgomery County Bankshares, Inc., and its 

subsidary, Montgomery County Bank & Trust, 

both of Ailey, Georgia.

PFGBI, LLC

* 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 October 2, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by the OJT Irrevocable Trust, dated 

9/20/10, by Robert A. Clemente, its Trustee, to 

acquire more than 25 percent of the voting 

shares of Clarkston Financial Corporation, 

Waterford, Michigan, and thereby indirectly 

acquire control of Clarkston State Bank, 

Clarkston, Michigan.

CLARKSTON FINANCIAL 

CORPORATION

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.

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

10/04/2010

Hometown Community Bancorp, Inc., and 

Hometown Community Bancorp, Inc. Employee 

Stock Ownership Plan and Trust, both located 

in Morton, Illinois, to merge with CSBC 

Financial Corporation, Cropsey, Illinois, and 

thereby indirectly acquire Citizens State Bank of 

Cropsey, Cropsey, Illinois, and by Morton 

Community Bank, Morton, Illinois, to merge 

with Citizens State Bank of Cropsey, Cropsey, 

Illinois, and thereby to establish two branches.

HOMETOWN COMMUNITY 

BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

10/28/2010

Rigler Investment Co., New Hampton, Iowa, to 

acquire 100 percent of State Bank & Trust 

Company, Waverly, Iowa.

RIGLER INVESTMENT CO.

Newspaper:

Federal Register:

* 3A1 Not available

10/04/2010

Zaring Group Holdings LLC., Riverwoods, 

Illinois, to become a bank holding company by 

acquiring 75.1 percent of the voting shares of 

First Suburban Bancorp Corporation, 

Maywood, Illinois, and thereby indirectly 

acquire First Suburban National Bank, 

Maywood, Illinois.

ZARING GROUP HOLDINGS LLC

* 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 October 2, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Arvest Bank, Fayetteville, Arkansas, to 10/23/2010

purchase certain assets and assume certain 

liabilities of the Lee's Summit, Missouri branch 

office of Community First Bank, Butler, 

Missouri, and to retain the acquired facility as a 

branch office.

ARVEST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Heartland Community Bank, Bryant, Arkansas, 10/11/2010

to establish a branch facility to be located at 

5100 Kavanaugh Boulevard, Little Rock, 

Arkansas.

HEARTLAND COMMUNITY 

BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Ohio Valley Financial Group, Henderson, 10/15/2010

Kentucky, to establish a branch facility to be 

located at 7516 Eagle Crest Boulevard, Suite E, 

Evansville, Indiana.

OHIO VALLEY FINANCIAL 

GROUP, 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 October 2, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/10/2010

09/24/2010

Notice by Shawn Paul Weinand and Linda Lou 

Weinand, both of Tonka Bay, Minnesota, to 

acquire control of Alliance Bank Shares 

Corporation, Andover, Minnesota, and thereby 

indirectly gain control of 1st Regents Bank, 

Andover, Minnesota.

ALLIANCE BANK SHARES 

CORPORATION

* 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 October 2, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

10/18/2010

Raton Capital Corporation, Raton, New Mexico, 

proposes to continue to engage in lending 

activities.

RATON CAPITAL 

CORPORATION

* 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 October 2, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

4c8

10/22/2010

10/21/2010

Cendera Holdings, Inc., Fort Worth, Texas, to 

become a bank holding company by acquiring 

100 percent of First Bells Bankshares, Inc., Bells, 

Texas, and indirectly acquiring The First 

National Bank of Bells/Savoy, Bells, Texas.

AND 

Cendera Holdings, Inc., Fort Worth, Texas 

("CHI"), to engage in extending credit and 

servicing loans through Cendera Funding, Inc., 

Fort Worth, Texas, pursuant to Section 

225.28(b)(1) of Regulation Y. CHI will engage in 

this activity through The First National Bank of 

Bells/Savoy, Bells, Texas.

CENDERA HOLDINGS, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish three 

branches in the following locations: 2875 W. 

Wheatland Road, Dallas, Texas 75237; 12035 

Foothill Blvd., Rancho Cucamonga, California 

91730; 1 S. Federal Highway, Boca Raton, 

Florida 33432.

COMERICA BANK

Newspaper:

Federal Register:

CIC Not available

10/18/2010

Notice by Henry Lewis Gallegly and Marjorie 

Clair Gallegly, Dalhart, Texas, to increase their 

ownership and control from 11.2 percent to 

19.07 percent of First Dalhart Bancshares, Inc., 

Dalhart, Texas, and indirectly First National 

Bank in Dalhart, Dalhart, Texas.

FIRST DALHART 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Cecil R. Simmons, San Benito, Texas, 

individually; Cecil R. Simmons, San Benito, 

Texas, Leonard P. Simmons, San Benito, Texas, 

Anita Simmons Boswell, Harlingen, Texas, 

Michael Scott, Raymondville, Texas, Wilson B. 

Fry, San Benito, Texas, Francisco Loya, 

Harlingen, Texas, and Frank E. Russell (the 

"Director Group"); Cecil R. Simmons and Juana 

L. Simmons, San Benito, Texas, Anita Simmons 

Boswell, Harlingen, Texas, Sarah Simmons 

Hays, Evergreen, Colorado, and Dolores 

Simmons, San Benito, Texas (the "Cecil 

Simmons Family Group"); and Leonard P. 

Simmons and Mary Beth Simmons, San Benito, 

Texas, Delores M. Simmons, San Benito, Texas, 

Ricardo D. Leal, Harlingen, Texas, Audrey 

Simmons Hooks, Austin, Texas, Samuel E. 

Simmons, Harlingen, Texas, and Ernest G. Nash, 

III, Harlingen, Texas (the "Leonard Simmons 

Family Group")(collectively the "Notificants") 

to acquire 25 percent or more of the shares and 

thereby control of First San Benito Bancshares 

Corporation, San Benito, Texas, and indirectly 

acquire First Community Bank, National 

Association, San Benito, Texas.

FIRST SAN BENITO 

BANCSHARES CORPORATION

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

Federal Reserve Bank of Dallas

Filings received during the week ending October 2, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/18/2010

Henderson Texas Bancshares, Inc., Henderson, 

Texas, to acquire 85 percent of Prosper 

Bancshares, Inc., Prosper, Texas, and indirectly 

acquire Prosper Bank, Prosper, Texas.

HENDERSON TEXAS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/28/2010

Steele Holdings, Inc., Tyler, Texas, to become a 

bank holding company by acquiring 100 percent 

of American State Bank, Arp, Texas.

STEELE HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 10/28/2010

Woodforest Financial Group Employee Stock 

Ownership Plan (with 401(k)Provisions) 

(Amended and Restated Effective March 1, 

2006) and the related Woodforest Financial 

Group Employee Stock Ownership Trust, The 

Woodlands, Texas, collectively the Applicant, 

to become a bank holding company by 

acquiring up to 30 percent of Woodforest 

Financial Group, Inc., The Woodlands, Texas, 

and indirectly acquire Woodforest National 

Bank, Houston, Texas.

Woodforest Financial Group Employee Stock 

Ownership Plan (with 401(k)Provisions) 

(Amended and Restated Effective March 1, 

2006) and the related Woodforest Financial 

Group Employee Stock Ownership Trust, The 

Woodlands, Texas, collectively the Notificant, 

to acquire a savings association pursuant to 

Section 225.28(b)(4)(ii) of Regulation Y through 

Woodforest Financial Group, Inc., The 

Woodlands, Texas, and indirectly Woodforest 

Bank, FSB, Refugio, Texas.

WOODFOREST FINANCIAL 

GROUP EMPLOYEE STOCK 

OWNERSHIP PLAN (WITH 

401(K) PROVISIONS) (AMENDED 

AND RESTATED EFF. 03/01/06)

* 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 October 2, 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:

* 3A3 09/30/2010

10/01/2010

GV Bancorp Employee Stock Ownership Plan to 

acquire additional voting shares of GV Bancorp 

and thereby indirectly acquire shares of 

Gunnison Valley Bank, all of Gunnison, Utah.

G V BANCORP EMPLOYEE 

STOCK OWNERSHIP PLAN

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

Wachovia International Banking Corporation, 

Charlotte, North Carolina, requests approval to 

amend its Articles of Association to change its 

name to Wells Fargo International Banking 

Corporation, pursuant to Section 211.5(c) of 

Regulation K.

WACHOVIA INTERNATIONAL 

BANKING 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