Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 29 

Week Ending July 18, 2009

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

Consumer Protection -- statement by Governor Duke before a subcommittee of the 

House Committee on Financial Services on regulatory restructuring and the role of 

the Federal Reserve in consumer protection.

- Published, July 16, 2009

Monetary Policy -- statement by Chairman Bernanke before the House Committee on 

Financial Services on July 21 and before the Senate Committee on Banking, 

Housing, and Urban Affairs on July 22, 2009, on the semiannual monetary policy 

report to the Congress.

- Discussed, July 17, 2009

Monetary and Financial Policy

Monetary Policy -- semiannual monetary policy report to the Congress.

- Authorized, July 14, 2009

Term Auction Facility -- TAF auction in the amount of $125 billion in 84-day credit 

on July 13, 2009.

- Announced, July 13, 2009

Personnel

Division of Research and Statistics -- appointment of Alice Patricia White, J. Nellie 

Liang, David Reifschneider, and William L. Wascher as senior associate directors; 

Michael C. Gibson, Wayne Passmore, and Daniel E. Sichel as associate directors; 

Daniel Covitz, David E. Lebow, Matthew Eichner, Diana Hancock, Michael 

Palumbo, and Michael Cringoli as deputy associate directors; Andreas Lehnert, Sean 

Campbell, Joshua Gallin, and Sandra Cannon as assistant directors; and Patrick M. 

Parkinson as senior adviser.

- Announced, July 15, 2009

H.2 Board Actions July 12, 2009 to July 18, 2009

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

Management Division -- appointment of Karen Vassallo as assistant director.

- Announced, July 17, 2009

Regulations and Policies

Flood Insurance -- final revised interagency questions and answers regarding 

responsibilities and requirements for financial institutions and the public under 

federal flood insurance legislation and publication for comment of several new 

proposed questions and answers to provide additional clarification.

- Approved, July 14, 2009

One-Dollar Coin -- annual report to the Congress on the Presidential $1 Coin 

Program.

- Approved, July 14, 2009

Regulation Z (Truth in Lending) -- interim final rule with request for comment to 

implement certain provisions of the Credit Card Accountability Responsibility and 

Disclosure Act regarding advance notice of rate increases, changes in terms of credit 

card accounts, and prescribed time period before payment is due.

- Approved, July 15, 2009

Enforcement

Profinium Financial Holdings, Inc., Fairmont, Minnesota, and Profinium Financial, 

Inc., Truman -- written agreement with the Federal Reserve Bank of Minneapolis.

- Announced, July 14, 2009

H.2 Board Actions July 12, 2009 to July 18, 2009

(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

July 12, 2009 to July 18, 2009

Bank Branches, Domestic

The Adirondack Trust Company, Saratoga Springs, New York -- to establish a 

branch at 376 Bay Road, Queensbury.

Secretary

- Approved, July 16, 2009

Canadian State Bank, Yukon, Oklahoma -- to establish a branch at 620 East State 

Highway 152, Mustang.

Secretary

- Approved, July 16, 2009

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

seasonal-use limited branch at Columbia Mall, 225 Columbia Mall Drive, 

Bloomsburg, Pennsylvania.

New York

- Withdrawn, July 15, 2009

Vista Bank, Ralls, Texas -- to establish branches at 4621 50th Street, Lubbock, and 

4515 98th Street.

Dallas

- Approved, July 14, 2009

Bank Holding Companies

BCC Bancshares, Inc., Hardin, Illinois -- to become a bank holding company and to 

acquire Bank of Calhoun County, Hardin.

St. Louis

- Approved, July 16, 2009

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Holding Companies

Central Bancorp, Inc., Colorado Springs, Colorado -- (1) to become a bank holding 

company and to acquire Central Bank & Trust (in organization), Colorado Springs; 

(2) to engage in extending credit and servicing loans through the acquisitions of Elite 

Properties of America II, Inc.; CB&T Mortgage, LLC; and CityFirst Mortgage, LLC; 

(3) to engage in trust activities through the acquisition of CB&T Trust, LLC, Sioux 

Falls, South Dakota; and (4) to engage in financial and investment advisory activities 

through the acquisition of CB&T Wealth Management, Inc., Colorado Springs, 

Colorado.

Kansas City

- Withdrawn, July 13, 2009

Craco, Inc., Vinita, Oklahoma -- to engage in lending activities.

Kansas City

- Approved, July 16, 2009

The McGehee Bank Employee Stock Ownership Plan, McGehee, Arkansas -- for its 

subsidiary, Southeast Financial Bankstock Corporation, McGehee, to engage in 

lending activities.

St. Louis

- Approved, July 15, 2009

Pacific International Bancorp, Seattle, Washington -- to acquire shares of Center 

Financial Corporation, Los Angeles, California, and thereby acquire Center Bank.

San Francisco

- Withdrawn, July 15, 2009

Tilden Bancshares, Inc., Tilden, Nebraska -- waiver of application to acquire Citizens 

State Bank, Clearwater, in connection with its merger with Tilden's subsidiary bank, 

Tilden Bank, Tilden.

Kansas City

- Granted, July 13, 2009

H.2 Actions under delegated authority July 12, 2009 to July 18, 2009

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Holding Companies

Tompkins Financial Corporation, Ithaca, New York -- to acquire shares of Darien 

Rowayton Bank, Darien, Connecticut.

New York

- Approved, July 16, 2009

Van Financial Corp., Breda, Iowa -- to become a bank holding company and to 

acquire shares of Breda Savings Bank, Breda.

Chicago

- Approved, July 17, 2009

Bank Mergers

The Tilden Bank, Tilden, Nebraska -- to merge with Citizens State Bank, Clearwater, 

and thereby establish a branch.

Kansas City

- Approved, July 13, 2009

Change in Bank Control

Augusta Financial Corporation, Augusta, Wisconsin -- change in bank control of 

Augusta and its subsidiary bank, Unity Bank, Augusta.

Minneapolis

- Permitted, July 17, 2009

Caprice Corporation, Augusta, Wisconsin -- change in bank control of Caprice and 

its subsidiary bank, Unity Bank North, Red Lake Falls, Minnesota.

Minneapolis

- Permitted, July 17, 2009

H.2 Actions under delegated authority July 12, 2009 to July 18, 2009

(A/C) = Addition or Correction Delegated - 3 of 5
Change in Bank Control

PeoplesSouth BancShares, Inc., Colquitt, Georgia -- to retain control of PeoplesSouth 

and its subsidiary bank, PeoplesSouth Bank, Colquitt.

Atlanta

- Permitted, July 14, 2009

Tonica Bancorp, Inc., Tonica, Illinois -- to retain control of Tonica and its subsidiary 

bank, Illini State Bank, Oglesby.

Chicago

- Permitted, July 15, 2009

Extensions of Time

NBRS Financial Bank, Rising Sun, Maryland -- extension to January 17, 2010, to 

establish a branch in the 5000 block of Pulaski Highway, Perryville.

Richmond

- Granted, July 17, 2009

PrivateBancorp, Inc., Chicago, Illinois -- extension to October 17, 2009, to acquire 

The PrivateWealth Trust Company (in organization), a federal savings bank, 

Chicago, and thereby operate a savings association.

Chicago

- Granted, July 17, 2009

Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on June 23 and 24 and of 

the conference call on June 3, 2009.

FOMC

- Published, July 15, 2009

H.2 Actions under delegated authority July 12, 2009 to July 18, 2009

(A/C) = Addition or Correction Delegated - 4 of 5
Regulations and Policies

Regulation CC (Availability of Funds and Collection of Checks) -- technical 

amendments to appendix A to reflect the restructuring of check-processing operations 

in the Chicago and Cleveland Federal Reserve Districts.

Secretary

- Approved, July 14, 2009

H.2 Actions under delegated authority July 12, 2009 to July 18, 2009

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending July 18, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 07/27/2009

Application by Conahasset Bancshares, MHC, 

and Conahasset Bancshares, Inc., both of 

Cohasset, Massachusetts, to become a mutual 

bank holding company and stock bank holding 

company, respectively, by acquiring Pilgrim 

Bank, Cohasset, Massachusetts, pursuant to 

sections 3(a)(1) and 3(a)(3) of the Bank Holding 

Company Act of 1956, as amended.

CONAHASSET BANCSHARES 

MHC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 468806 NORTHEAST BK, AUBURN, MAINE 03/16/2009 07/01/2009 S Int Sm Bank

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 July 18, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

Banco Popular de Puerto Rico, San Juan, Puerto 

Rico, to establish BP Sirenusa International, 

LLC, as an Agreement corporation, pursuant to 

Section 25 of the Federal Reserve Act and 

Section 211.5(g) of Regulation K.

BANCO POPULAR DE PUERTO 

RICO

Newspaper:

Federal Register:

* 3A1 07/31/2009

07/31/2009

Haven Bancorp, MHC and Haven Bancorp, Inc., 

both of Hoboken, New Jersey, for prior approval 

from the Board of Governors of the Federal 

Reserve System to control, directly and 

indirectly, 100 percent of the voting shares of 

Haven Savings Bank, Hoboken, New Jersey.

HAVEN BANCORP, MHC

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 07/23/2009

Buffalo, New York, requests to establish 

branches located at (i) Townson Town Center 

825 Dulaney Valley Road, Towson, Baltimore 

County, Maryland and (ii) White Marsh Mall, 

8200 Perry Hall Boulevard, Nottingham, 

Baltimore, Maryland.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 07/23/2009

Buffalo, New York request approval to open a 

seasonal-use limited branch to be located at 

Columbia Mall, 225 Columbia Mall Drive, 

Bloomsburg, Columbia County, Pennsylvania.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

* 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 July 18, 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 July 18, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Columbus First Bancorp, Inc., Worthington, 

Ohio to acquire Columbus First Bank, 

Worthington, Ohio and form a one-bank 

holding company, pursuant to the notice 

section 3 of the Bank Holding Company Act 

and the notice procedures described in section 

225.17 of Regulation Y

Columbus First Bancorp, 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 July 18, 2009

Filer Filing Type Filing Proposal End of Comment Period

* 3A3 08/10/2009

08/07/2009

FA Capital, LLC. and Community Bank 

Investors of America, L.P., both located in Newspaper:

Richmond, Virginia, to retain control of 7.08% 

and to acquire up to 7.80% of the voting Federal Register:

securities of Commonwealth Bankshares, Inc., 

Norfolk, Virginia.

COMMUNITY BANK 

INVESTORS OF AMERICA, LP

Newspaper:

Federal Register:

* 3A5 07/31/2009

07/30/2009

Eastern Virginia Bankshares, Inc., 

Tappahannock, Virginia, to acquire 100% of the 

voting securities of First Capital Bancorp, Inc., 

Glen Allen, Virginia, and thereby indirectly 

acquire First Capital Bank, Glen Allen, Virginia.

EASTERN VIRGINIA 

BANKSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Piedmont Community Bank Holdings, Inc., 

Chapel Hill, North Carolina, to become a bank 

holding company through the acquisition of up 

to 62% of the voting securities of VantageSouth 

Bank, Burlington, North Carolina.

Piedmont Community Bank 

Holdings, Inc.

Newspaper:

Federal Register:

CIC 07/15/2009

07/31/2009

The Haga Family Revocable Trust, Phillip Blair 

Haga and Betty Jane Haga, Trustees, to retain 

10.00% ownership of Pioneer Community Group, 

Inc., Iaeger, West Virginia

PIONEER COMMUNITY BANK, 

INC.

* 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

 821120 BANK OF THE COMMONWEALTH, NORFOLK, VIRGINIA 02/02/2009 06/18/2009 S Int Sm Bank

 2847432 CITIZENS CMNTY BK, SOUTH HILL, VIRGINIA 03/02/2009 06/25/2009 S Small Bank

 619327 FARMERS BK WINDSOR VA, WINDSOR, VIRGINIA 03/09/2009 06/18/2009 S Int Sm Bank

 3627109 FRONTIER CMNTY BK, WAYNESBORO, VIRGINIA 03/23/2009 06/25/2009 S Small 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 July 18, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caja de Ahorros del Mediterraneo, Alicante, 

Spain, to convert its international bank agency 

into an international bank branch in Miami, 

Florida.

CAJA DE AHORROS DEL 

MEDITERRANEO

Newspaper:

Federal Register:

CIC 06/25/2009

06/23/2009

Prior change in control notice filed by Jessie 

Doyle Buffington, Helmut Hans Cawthon, 

Kenneth Franklin Davis, Andrew Charles 

Heaner, Clinton Gray Hubbard, Stephen Curtis 

Klasson, Kimberly Gill Mauer, Laura Hallin 

Mumber, Matthew Peter Mumber, Delos Harley 

Yancey, III, John Demetrius Xanthos, all of 

Rome, Georgia; Andrew Charles Heaner, 

Atlanta, Georgia; Wayne Elm Vick, Armuchee, 

Georgia, and Delos Harley Yancey, Jr. Ponte 

Vedra Beach, Florida; collectively to acquire an 

additional 18.78 percent of the outstanding 

shares of Heritage First Bancshares, Inc., Rome, 

Georgia, and its subsidiaries, Heritage First 

Bank, Rome, Georgia, and Heritage First Bank, 

Orange Beach, Alabama. Total pro forma will 

equal 37.29 percent.

HERITAGE FIRST 

BANCSHARES, 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

 3208049 MIDSOUTH BK, MURFREESBORO, TENNESSEE 03/16/2009 07/05/2009 S Small Bank

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 July 18, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/14/2009

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

$5,000,000 in additional stock and increase its 

ownership to up to 50.01 percent of 

Washington Bancorp, Washington, Iowa, and 

thereby indirectly increase its ownership of 

Federation Bank, Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Community First Bank-Chicago, Chicago, 07/10/2009

Illinois, to establish a branch facility to be 

located at 9800 S. Roberts Road, Palos Hills, 

Illinois.

COMMUNITY FIRST BANK - 

CHICAGO

Newspaper:

Federal Register:

CIC 07/10/2009

07/13/2009

Notice by Charles A. Adams, Mattoon, Illinois, 

to individually acquire 10 percent or more of the 

voting shares of First Mid-Illinois Bancshares, 

Inc., Mattoon, Illinois, and thereby indirectly 

acquire shares of First Mid-Illinois Bank & 

Trust, National Association, Mattoon, Illinois, 

and as part of a group acting in concert with 

Holly A. Bailey, Linda K. Adams, Howell 

Paving, Inc., and Howell-Adams Foundation, all 

of Mattoon, Illinois, and Craig H. Adams, 

Woodside, California, to retain more than 10 

percent of the voting shares of First Mid-Illinois 

Bancshares, Inc., Mattoon, Illinois, and thereby 

indirectly retain shares of First Mid-Illinois Bank 

& Trust, National Association, Mattoon, 

Illinois.

FIRST MID-ILLINOIS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 07/10/2009

07/10/2009

Van Financial Corp., Breda, Iowa, to become a 

bank holding company by acquiring at least 80 

percent of Breda Savings Bank, Breda, Iowa.

VAN FINANCIAL 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

 436542 WAUKON ST BK, WAUKON, IOWA 02/23/2009 06/22/2009 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 July 18, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Southern Bancorp Bank of Arkansas, 

Arkadelphia, Arkansas, to merge with Southern 

Bancorp Bank, Ruleville, Mississippi, and to 

retain the acquired facilities as branch offices.

SOUTHERN BANCORP BANK OF 

ARKANSAS

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Southern Bancorp Bank of Arkansas, 

Arkadelphia, Arkansas, to merge with Southern 

Bancorp Bank, N. A., Helena-West Helena, 

Arkansas, and to retain the acquired facilities as 

branch offices.

SOUTHERN BANCORP BANK OF 

ARKANSAS

* 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

 997650 CITY B&TC OF MOBERLY, MOBERLY, MISSOURI 03/09/2009 06/11/2009 S Small 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 July 18, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch

* 18C

* Branch

Not applicable

First Interstate Bank, Billings, Montana, to 07/13/2009

merge with First Western Bank, Wall, South 

Dakota, and The First Western Bank Sturgis, 

Sturgis, South Dakota, and incident thereto, 

proposes to establish 15 branches.

FIRST INTERSTATE BANK

* 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 July 18, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/31/2009

07/27/2009

Notification submitted by Jean Hummel, 

Columbus, Ohio; Robert Hummel, II, and Patricia 

Hummel, both of Leawood, Kansas; Jennifer 

Ostenson and Eric Ostenson, both of 

Longmont, Colorado; all as members of the 

Robert Hummel family group, to retain control of 

Bank of Choice Holding Company, Greeley, 

Colorado, and thereby indirectly retain control 

of Bank of Choice, Greeley, Colorado.

BANK OF CHOICE HOLDING 

COMPANY

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3

4c8

08/13/2009

Central Bancorp, Inc., Colorado Springs, 

Colorado, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Farmers and Stockmens Bank 

of Clayton, Clayton, New Mexico. Central 

Bancorp, Inc., Colorado Springs, Colorado, to 

acquire 100 percent of the voting shares of The 

Citizens National Bank of Akron, Akron, 

Colorado. Central Bancorp, Inc., Colorado 

Springs, Colorado, to engage in extending credit 

and servicing of loans through the retention of 

Elite Properties of America II, Inc., Colorado 

Springs, Colorado. Central Bancorp, Inc., 

Colorado Springs, Colorado, to engage in 

extending credit and servicing of loans through 

the retention of CB&T Mortgage, LLC, 

Colorado Springs, Colorado. Central Bancorp, 

Inc., Colorado Springs, Colorado, to engage in 

trust activities through the retention of 

Corundum Trust Company, LLC, Sioux Falls, 

South Dakota. Central Bancorp, Inc., Colorado 

Springs, Colorado, to engage in financial and 

investment advisory activities through the 

retention of CB&T Wealth Management, Inc., 

Colorado Springs, Colorado.

CENTRAL BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

07/13/2009

Notice submitted by David Carpenter, Chandler, 

Oklahoma, as trustee of the Lynda L. Cameron 

2005 Family Trust, the William M. Cameron 2004 

Family Trust, and the Lynda L. Cameron Trust 

B, to acquire control of First Fidelity Bancorp, 

Inc., Oklahoma City, Oklahoma, and thereby 

indirectly acquire control of First Fidelity Bank, 

N.A., Oklahoma City, Oklahoma.

FIRST FIDELITY BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

08/07/2009

Tri-Valley Bank Shares, Inc., Lincoln, Nebraska, 

to become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Tri-Valley Bank, Talmage, Nebraska.

TRI-VALLEY BANK SHARES, 

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Union State Bank, Everest, Kansas, to merge 

with Bank of Gower, Gower, Missouri, and 

incident thereto to establish a branch, and to 

operate under the title of Union State Bank, 

Everest, Kansas.

UNION STATE BANK OF 

EVEREST, THE

* 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

 236751 FIRST CMNTY BK, TAOS, NEW MEXICO 03/16/2009 06/22/2009 O Large Bank

 222754 FIRST WESTROADS BK, OMAHA, NEBRASKA 04/20/2009 07/15/2009 S Small Bank

 580155 PLATTE VALLEY BK, TORRINGTON, WYOMING 03/30/2009 07/01/2009 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 July 18, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 07/23/2009

07/20/2009

Austin Bancshares, Inc., Austin, Texas, to 

become a bank holding company by acquiring 

100 percent of La Grange Bancshares, Inc., La 

Grange, Texas, and indirectly acquire Colorado 

Valley Bank, SSB, La Grange, Texas.

AUSTIN BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas, to establish 2 07/30/2009

branches to be located at: 2200 S. Gilbert Rd., 

Chandler, AZ 85395 and 1831 N. Pebble Creek 

Pkwy., Goodyear, AZ 85395.

COMERICA BANK

Newspaper:

Federal Register:

* 3A1 08/08/2009

08/06/2009

Sandhills Bancshares, Inc., Iraan, Texas, to 

become a bank holding company by acquiring 

100 percent of TransPecos Banks-Iraan, Iraan, 

Texas.

SANDHILLS BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Texas First Bank, Texas City, Texas, to merge 

with affiliate Texas First Bank-Winnie, Winnie, 

Texas, and to establish branches at the 

following locations: 210 Highway 124, Winnie, 

Texas 77665; 519 Rollingbrook Drive, Baytown, 

Texas 77521; and Highway 124 and F.M. 365, 

Fannett, Texas 77705.

TEXAS FIRST BANK

* 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 July 18, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

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

Creek Capital III LLC, Eggemeyer Capital LLC, 

Ruh Capital LLC, and Legions IV Advisory 

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

increase from 40.3 percent up to 55.0 percent 

their ownership of First Chicago Bancorp and 

indirectly First Chicago Bank and Trust 

Company, both of Chicago, Illinois, pursuant to 

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

Act.

CASTLE CREEK CAPITAL 

PARTNERS III, L.P.

Newspaper:

Federal Register:

CIC Not available

Not available

Dante B. Benedetti, Petaluma, California, and 

James M. Ryan, Santa Rosa, California, to 

become trustees of the Frank P. Doyle Trust, 

Article IX, and thereby retain voting control of 

Exchange Bank, both of Santa Rosa, California.

FRANK P. DOYLE TRUST, 

ARTICLE IX

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Rommel R. Medina and Ruell R. 

Medina, both of San Bruno, California, to 

acquire additional voting shares of MNB 

Holdings Corporation, and indirectly, voting 

shares of Mission National Bank, both of San 

Francisco, California.

MNB HOLDINGS CORPORATION

Newspaper:

Federal Register:

CIC Not available

07/06/2009

Notice by Donald and Donna Nelson, to retain 

10.9 percent of State Bank Corp., and indirectly 

its subsidiary, Mohave State Bank, both of Lake 

Havasu City, Arizona.

STATE BANK CORP.

* 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

 933975 BANK OF UT, OGDEN, UTAH 03/09/2009 07/01/2009 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act