Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 41 

Week Ending October 10, 2009

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

Term Asset-Backed Securities Loan Facility -- (1) publication for comment of 

amendments to Regulation A (Extensions of Credit by Federal Reserve Banks) to 

establish criteria for determining the eligibility of credit rating agencies and their 

ratings for use in the TALF and (2) enhanced credit review procedures for TALF 

collateral.

- Announced, October 5, 2009

Term Auction Facility -- TAF auction in the amount of $50 billion in 70-day credit 

on October 5, 2009.

- Announced, October 5, 2009

Enforcement

Eurobancshares, Inc., San Juan, Puerto Rico -- written agreement with the Federal 

Reserve Bank of New York.

- Announced, October 6, 2009

San Joaquin Bank, Bakersfield, California -- issuance of a consent prompt corrective 

action directive against the bank.

- Announced, October 5, 2009

Wellington State Bank, Wellington, Texas -- issuance of a consent order of 

assesssment of a civil money penalty.

- Announced, October 6, 2009

H.2 Board Actions October 4, 2009 to October 10, 2009

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

October 4, 2009 to October 10, 2009

Bank Branches, Domestic

First State Bank, Lincoln, Nebraska -- to establish a branch at 27th Street and 

Grainger Parkway, Lincoln.

Kansas City

- Approved, October 9, 2009

Bank Holding Companies

1st Financial Services Corporation, Hendersonville, North Carolina -- to acquire 

AB&T Financial Corporation, Gastonia, and indirectly acquire its subsidiary bank, 

Alliance Bank & Trust Company.

Richmond

- Withdrawn, October 7, 2009

Banco do Brasil, S.A., Brasilia, Brazil, and Caixa de Previdencia dos Funcionarios do 

Banco do Brasil, Rio de Janiero -- to engage in securities brokerage activities in the 

United States through Banco Votorantim Securities, Inc., Sao Paulo.

New York

- Approved, October 8, 2009

Broadway Bancorp, Inc., Chicago, Illinois -- to engage de novo in extending credit 

and servicing loans.

Chicago

- Withdrawn, October 1, 2009

(A/C)

(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 Farmers and Stockmens Bank of Clayton, Clayton, New 

Mexico; (2) to acquire The Citizens National Bank of Akron, Akron, Colorado; 

(3) to engage in extending credit and servicing loans through the retention of Elite 

Properties of America II, Inc., Colorado Springs, and CB&T Mortgage, LLC; (4) to 

engage in trust activities through the retention of Corundum Trust Company, LLC, 

Sioux Falls, South Dakota; and (5) to engage in financial and investment advisory 

activities through the retention of CB&T Wealth Management, Inc., Colorado 

Springs, Colorado. 

Kansas City

- Approved, October 9, 2009

Klein Financial, Inc., Chaska, Minnesota -- to acquire Community Bank Plymouth, 

Plymouth.

Minneapolis

- Approved, October 8, 2009

Manhattan Banking Corporation, Manhattan, Kansas -- to retain shares of Sonoran 

Bank, N.A., Phoenix, Arizona.

Kansas City

- Approved, October 6, 2009

Mason National Bank Employee Stock Ownership Plan and Trust, Mason, Texas -- 

to acquire shares of Mason National Bancshares, Inc., Mason, and thereby acquire its 

subsidiary bank, The Mason National Bank.

Dallas

- Approved, October 5, 2009

H.2 Actions under delegated authority October 4, 2009 to October 10, 2009

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

Midwest Regional Bancorp, Inc., Festus, Missouri -- to engage in lending and 

servicing activities.

St. Louis

- Approved, October 6, 2009

Morgan Stanley, New York, New York -- to acquire shares of United Western 

Bancorp, Inc., Denver, Colorado, and its subsidiary bank, United Western Bank.

New York

- Approved, October 8, 2009

NB&T Financial Group, Inc., Employee Stock Ownership Plan, Wilmington, Ohio, 

and NB&T Financial Group, Inc. -- to acquire Community National Corporation, 

Franklin, and thereby acquire its subsidiary bank, The Community National Bank.

Cleveland

- Approved, October 6, 2009

RMB Holdings, LLC, Birmingham, Alabama, and ATB Management, LLC -- to 

acquire shares of Americus Financial Services, Inc., Birmingham, and its subsidiary 

bank, Red Mountain Bank, N.A.

Atlanta

- Approved, October 7, 2009

SP Acquisition Holdings, Inc., New York, New York -- to become a bank holding 

company and to acquire Frontier Financial Corporation, Everett, Washington, and its 

subsidiary bank, Frontier Bank.

San Francisco

- Withdrawn, October 8, 2009

H.2 Actions under delegated authority October 4, 2009 to October 10, 2009

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

1st Century Bancshares, Inc., Los Angeles, California -- change in bank control of 

1st Century and its subsidiary bank, 1st Century Bank, National Association, Los 

Angeles.

San Francisco

- Permitted, October 9, 2009

Broadway Bancorp, Inc., Chicago, Illinois -- change in bank control of Broadway 

and its subsidiary bank, Broadway Bank, Chicago.

Chicago

- Withdrawn, October 1, 2009

(A/C)

Inter-Mountain Bancorp., Inc. Bozeman, Montana -- to retain control of 

Inter-Mountain and its subsidiary bank, First Security Bank, Bozeman.

Minneapolis

- Permitted, October 8, 2009

Relianz Bancshares, Inc., Wichita, Kansas -- to retain control of Relianz and its 

subsidiary bank, RelianzBank, Wichita. 

Kansas City

- Permitted, October 7, 2009

Verity Capital Group, Inc., Dahlonega, Georgia -- to retain control of Verity and its 

subsidiary bank, Verity Bank, Winder.

Atlanta

- Permitted, October 9, 2009

H.2 Actions under delegated authority October 4, 2009 to October 10, 2009

(A/C) = Addition or Correction Delegated - 4 of 5
International Operations

Citigroup Inc., New York, New York -- waiver of prior-notification period to make 

an investment in Tarjetas Banamex, S.A. de C.V., Sofom, E.R., Mexico City, 

Mexico.

Director, BS&R

- Granted, October 9, 2009

Membership

Community National Bank, Topeka, Kansas -- to retain its membership in the Federal 

Reserve System on conversion to a state-chartered institution.

Kansas City

- Approved, October 9, 2009

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 Cleveland, Dallas, and San Francisco Federal Reserve Districts.

Secretary

- Approved, October 8, 2009

Regulation D (Reserve Requirements of Depository Institutions) -- final rule 

implementing the annual indexing of the low reserve tranche, reserve requirement 

exemption amount, nonexempt deposit cutoff level, and reduced reporting limit for 

2010.

Director, MA

- Approved, October 9, 2009

H.2 Actions under delegated authority October 4, 2009 to October 10, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending October 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending October 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

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 investment in Citibank 

Hong Kong Limited, Quarry Bay, Hong Kong.

CITIBANK, N.A.

Newspaper:

Federal Register:

* 3A3 10/19/2009

10/19/2009

The Goldman Sachs Group, Inc., New York, New 

York, to retain 9.0 percent of the outstanding 

common stock of Atlantic Capital Bancshares, 

Inc., which is the direct parent of Atlantic 

Capital Bank, both of Atlanta, Georgia, pursuant 

to Section 3(a)(3) of the BHC Act of 1956, as 

amended, and Section 225.15 of Regulation Y.

GOLDMAN SACHS GROUP, INC., 

THE

Newspaper:

Federal Register:

* 3A3 10/18/2009

10/19/2009

The Goldman Sachs Group, Inc., New York, New 

York, to retain 9.8 percent of the outstanding 

common stock of Avenue Financial Holdings, 

Inc., which is the direct parent of Avenue Bank, 

both of Nashville, Tennessee, pursuant to 

Section 3(a)(3) of the BHC Act of 1956, as 

amended, and Section 225.15 of Regulation Y.

GOLDMAN SACHS GROUP, INC., 

THE

Newspaper:

Federal Register:

* 3A3

* 4c8

10/18/2009

10/19/2009

The Goldman Sachs Group, Inc., New York, New 

York, to retain 6.6 percent of a class of voting 

securities of Doral Holdings, L.P., and indirectly 

Doral Bank, both of San Juan, Puerto Rico, 

pursuant to Section 3(a)(3) of the BHC Act of 

1956, as amended, and Section 225.15 of 

Regulation Y, and also retain indirect interest in 

Doral Bank, FSB, New York, New York, a federal 

savings association and indirect subsidiary of 

Doral Holdings, L.P., pursuant to Section 4(c)(8) 

and 4(j) of the BHC Act of 1956, as amended 

and Section 225.24 of Regulation Y.

GOLDMAN SACHS GROUP, INC., 

THE

Newspaper:

Federal Register:

* 4c8 10/19/2009

10/19/2009

The Goldman Sachs Group, Inc., New York, New 

York, to retain its interest in The First 

Marblehead Corporation, Boston, 

Massachusetts, which is the parent of Union 

Federal Savings Bank, North Providence, Rhode 

Island, pursuant to Section 4(c)(8) and 4(j) of 

the BHC Act of 1956, as amended, and Section 

225.24 of Regulation Y.

GOLDMAN SACHS GROUP, INC., 

THE

Newspaper:

Federal Register:

* Branch

Not applicable

Orange County Trust Company, Middletown, 10/21/2009

New York, to establish a branch office located at 

146 North Church Street, Goshen, New York.

ORANGE COUNTY 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 October 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/27/2009

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 14.9 percent of 

Heritage Oakes Bancorp, parent of Heritage 

Bank, both in Paso Robles, CA.

PATRIOT FINANCIAL 

PARTNERS

* 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 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

10/20/2009

Notification by Middlefield Banc Corp., 

Middlefield, Ohio to engage de novo in 

activities permissible pursuant to section 4(c)(8) 

of the Bank Holding Company Act and 

225.28(b)(1) and (b)(2)of the Board's Regulation 

Y

MIDDLEFIELD BANC 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 October 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/26/2009

10/26/2009

CapGen Capital Group LLC, and CapGen Capital 

Group LP, both of New York, New York, to 

increase their investment in The BANKshares, 

Inc., Winter Park, Florida, and its subsidiary, 

BankFIRST, Winter Park, Florida, by 14.4% to a 

total of 36.2%.

CAPGEN CAPITAL GROUP LLC

Newspaper:

Federal Register:

Member Not applicable

Not applicable

CNB, Centreville, Maryland to become a state 

member bank upon the conversion of 

Centreville National Bank of Maryland.

CENTREVILLE NATIONAL 

BANK OF MARYLAND, THE

Newspaper:

Federal Register:

* Branch

Not applicable

MainStreet Bank, Herndon, Virginia, to establish 10/08/2009

a branch at 6832 Old Dominion Drive, Suite 105, 

McLean, Virginia

MAINSTREET BANK

* 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 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Foothills Bank & Trust, Maryville, Tennessee, 10/16/2009

to establish a branch located at 11216 Kingston 

Pike, Knoxville, Tennessee.

FOOTHILLS BANK & TRUST

Newspaper:

Federal Register:

* 3A3 Not available

09/22/2009

USAmeriBancorp, Inc., Largo, Florida, to 

acquire 49.7 percent of the outstanding voting 

shares of Aliant Financial Corporation, and its 

subsidiary, Aliant Bank, both of Alexander City, 

Alabama.

USAMERIBANCORP, 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 October 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

First Farmers Bank & Trust, Converse, Indiana, 10/07/2009

to merge with Central Bank, Russiaville, Indiana, 

and thereby to establish two branches to be 

located at 160 W. Main Street, Russiaville, 

Indiana and 501 West Lincoln Road, Kokomo, 

Indiana.

FIRST FARMERS BANK & 

TRUST

Newspaper:

Federal Register:

* 3A1 10/25/2009

10/26/2009

Iowa Credit Union League, Clive, Iowa, to 

become a bank holding company by acquiring 

100 percent Affiliates Management Company, 

Clive, Iowa and by Affiliates Management 

Company, Clive, Iowa, to become a bank 

holding company by acquiring 100 percent of 

CrediCard National Bank, Tucson, Arizona.

IOWA CREDIT UNION LEAGUE

Newspaper:

Federal Register:

4c8 Not applicable

10/29/2009

Iowa Credit Union League and Affiliates 

Management Company, both of Clive, Iowa, to 

each directly or indirectly acquire the following 

nonbank companies: The Members Group, Inc.; 

Community Business Lenders, L.L.C.; TMG 

Financial Services, Inc.; Coopera Consulting, 

L.L.C., and Policyworks, L.L.C., all of Clive, 

Iowa, to engage in the activities of data 

processing, activities related to extending credit 

and servicing loans, real estate leasing, financial 

and investment advisory activities, management 

consulting, and community development 

advisory activities.

IOWA CREDIT UNION LEAGUE

Newspaper:

Federal Register:

CIC Not available

10/09/2009

Notice by TRSD Holdings, LP, Warren, 

Michigan, and its general partner, the Thomas 

Fabbri Revocable Trust, Thomas Fabbri, as 

trustee, Sterling Heights, Michigan, to acquire 

more than 10 percent of the voting shares of 

Level One Bancorp, Inc., Farmington Hills, 

Michigan, and thereby indirectly acquire control 

of Level One Bank, Farmington Hills, Michigan.

LEVEL ONE BANCORP, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 7

Federal Reserve Bank of Chicago

Filings received during the week ending October 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/30/2009

Notice filed individually by Douglas N. 

Neighbor, Kent M. Neighbor, and Gene R. 

Neighbor to each own 16.122 percent and by the 

Neighbor Family - Doug and Marva Neighbor, 

Marion, Iowa; Gene and Betty Jean Neighbor, 

Alburnett, Iowa, and Kent and Irene Neighbor, 

Winthrop, Iowa, and their children (Sandra K. 

Waring, Walker, Iowa; Steven K. Neighbor, 

Center Point, Iowa; Scott M. Neighbor, Center 

Point, Iowa; Mark A. Neighbor, Center Point, 

Iowa; Eldon L. Neighbor, Central City, Iowa; 

Konnie I. Borrett, Marion, Iowa; Stephanie R. 

Neighbor, Cedar Rapids, Iowa; Brent B. 

Neighbor, Tijeras, New Mexico; Brad D. 

Neighbor, Espanola, New Mexico; Todd D. 

Neighbor, Marion, Iowa; Jason M. 

Neighbor,Alburnett, Iowa; and Michael G. 

Neighbor, Bettendorf, Iowa) as a group acting in 

concert, for approval to retain control of 100 

percent of Neighbor Insurance Agency, Marion, 

Iowa, and thereby indirectly control Farmers 

State Bank, Marion, Iowa.

NEIGHBOR INSURANCE 

AGENCY, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Heidi Guttau-Fox, Minden, Iowa, and 

Joshua Guttau, Treynor,Iowa, as Trustee of the 

Heidi Guttau-Fox and Joshua Guttau Irrevocable 

Living Trust, to retain control of Treynor 

Bancshares, Inc., Treynor, Iowa, and thereby 

indiectly control Treynor State Bank, Treynor, 

Iowa.

TREYNOR BANCSHARES, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 7

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 2119773 HINSDALE B&TC, HINSDALE, ILLINOIS 06/01/2009 10/05/2009 S Large 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 October 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

10/27/2009

White River Bancshares Company, Fayetteville, 

Arkansas, to engage in lending activities.

COMMUNITY FIRST 

BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

10/27/2009

Community First Bancshares, Inc., Harrison, 

Arkansas, to engage in lending activities.

COMMUNITY FIRST 

BANCSHARES, 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 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/21/2009

Retroactive notice by Craig E. Scherber to 

acquire 10 percent or more of the shares of 

American Eagle Financial Corporation, Otsego, 

Minnesota, and thereby indirectly gain control 

of Riverview Community Bank, Otsego, 

Minnesota.

AMERICAN EAGLE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

10/19/2009

Earl E. Geiger, Bloomington, Minnesota, to 

acquire shares of Heritage Bancshares Group, 

Inc., Willmar, Minnesota, and thus to join the 

Geiger Family Group acting in concert which 

controls over 25 percent of Heritage Bancshares 

Group, Inc. Heritage Bancshares Group, Inc., 

owns Heritage Bank, NA, Spicer, Minnesota, 

and Heritage Bank, NA, Holstein, Iowa.

HERITAGE BANCSHARES 

GROUP, INC.

Newspaper:

Federal Register:

CIC 10/13/2009

10/24/2009

Notice by Darin J. Latterall, Kelliher, Minnesota, 

to acquire 25 percent or more of the shares of 

Kelliher Bancshares, Inc., Kelliher, Minnesota, 

and thereby indirectly gain control of Citizens 

State Bank of Kelliher, Kelliher, Minnesota.

KELLIHER BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

10/21/2009

Belva H. Rasmussen 2009 Grantor Retained 

Annuity Trust, Falcon Heights, Minnesota; and 

Eva B. Rasmussen, Edina, Minnesota; Pamela 

M. Harris, Falcon Heights, Minnesota; and 

Teresa J. Rasmussen Trangsrud, Orono, 

Minnesota, Trustees, to join a group acting in 

concert with Belva H. Rasmussen, individually, 

and with Belva H. Rasmussen, Teresa J. 

Rasmussen Trangsrud and Lyle Delwyche, 

trustees of the Walter C. Rasmussen Marital 

Trust Under Agreement dated December 26, 

1985, and the Walter C. Rasmussen Family Trust 

Under Agreement dated December 26, 1985 

(together, the "Rasmussen Family Group") to 

acquire 25 percent or more of Northeast 

Securities Corporation, Minneapolis, 

Minnesota. Northeast Securities Corporation 

controls Northeast Bank, Minneapolis, 

Minnesota.

NORTHEAST SECURITIES 

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

 651457 FIRST SECURITY BK OF MALTA, MALTA, MONTANA 05/11/2009 06/15/2009 O 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 October 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Community Bank of Pleasant Hill, Pleasant Hill, 

Missouri, to purchase certain assets and 

assume certain liabilities of the Pleasant Hill, 

Missouri branch of BC National Banks, Butler, 

Missouri.

COMMUNITY BANK OF 

PLEASANT HILL

* 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 10, 2009

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 October 10, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/21/2009

Notice of Change in Bank Control filed by 

Thomas A. and Maureen Sue Ellison, to acquire 

additional voting shares of Foundation 

Bancorp, Inc., and thereby indirectly acquire 

voting shares of Foundation Bank, all of 

Bellevue, Washington.

FOUNDATION BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

09/22/2009

Franklin Resources, Inc., San Mateo, California, 

to retain 20.4 percent of the voting shares of 

Guaranty Bancorp, and thereby indirectly its 

subsidiary, Guaranty Bank & Trust Company, 

both of Denver, Colorado, pursuant to section 

3(a)(3) of the Bank Holding Company Act.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

CIC

Not available

Notice by Rommel R. Medina and Ruell R. 08/07/2009

Medina, both of San Bruno, California, to 

acquire additional voting shares of MNB 

Holdings Corporation, and indirectly, voting 

shares of Mission National Bank, both of San 

Francisco, California.

MNB HOLDINGS CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Presidio Bank, San Francisco, California, to 10/15/2009

establish a branch office at 325 Lytton Avenue, 

Palo Alto, California.

PRESIDIO BANK

Newspaper:

Federal Register:

* 3A1 09/30/2009

09/25/2009

Private Bancorp of America, Inc., to become a 

bank holding company by acquiring 100 percent 

of San Diego Private Bank, both of La Jolla, 

California.

PRIVATE BANCORP OF 

AMERICA, INC.

* 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