Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 47 

Week Ending November 20, 2010

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

Foreclosure Documentation Issues -- statement by Governor Duke before a 

subcommittee of the House Committee on Financial Services on issues related to 

mortgage loan servicing and the mishandling of documentation in foreclosure 

proceedings.

- Published, November 18, 2010

Bank Mergers

Centennial Bank, Conway, Arkansas -- to acquire the assets and assume the liabilities 

of Gulf State Community Bank, Carrabelle, Florida, and thereby establish branches.

- Announced, November 19, 2010

Forms

Forms -- final Board review to extend with revision the Domestic Finance Company 

Report of Consolidated Assets and Liabilities (FR 2248) and to conduct with revision 

the Survey of Finance Companies (FR 3033s).

- Approved, November 17, 2010

Regulations and Policies

Capital Actions in 2011 -- issuance of guidelines for evaluating proposals by large 

bank holding companies (the 19 SCAP bank holding companies) to undertake 

dividend increases and other capital distributions in 2011.

- Announced, November 17, 2010

Regulation Y -- publication for comment of amendments to implement the 

conformance period during which banking entities and nonbank financial companies 

supervised by the Board must bring their activities and investments into compliance 

with the prohibitions and restrictions on proprietary trading and relationships with 

certain funds that are imposed by the so-called Volcker Rule in the Dodd-Frank Act.

- Approved, November 16, 2010

H.2 Board Actions November 14, 2010 to November 20, 2010

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

Farmers State Bank, Victor, Montana -- written agreement with the Federal Reserve 

Bank of Minneapolis and the Montana Division of Banking and Financial 

Institutions.

- Announced, November 18, 2010

Fentura Financial, Inc., Fenton, Michigan -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, November 16, 2010

First Personal Financial Corp., Orland Park, Illinois -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, November 16, 2010

Legacy Bank, Milwaukee, Wisconsin -- issuance of a prompt corrective action 

directive with the consent of the bank.

- Announced, November 18, 2010

Progressive Growth Corp., Gaylord, Minnesota -- written agreement with the Federal 

Reserve Bank of Minneapolis.

- Announced, November 18, 2010

Valley Community Bancorp, Inc., St. Charles, Illinois -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, November 16, 2010

H.2 Board Actions November 14, 2010 to November 20, 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

OSD Office of Staff Director

November 14, 2010 to November 20, 2010

Bank Branches, Domestic

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 2700 Shackleford 

Road, Little Rock.

St. Louis

- Approved, November 17, 2010

Compass Bank, Birmingham, Alabama -- to establish branches at 5576 Grove 

Boulevard, Hoover; 15580 East 104th Avenue, Commerce City, Colorado; 2640 East 

Harmony Road, Fort Collins; and 450 Highway 528, Bernalillo, New Mexico.

Atlanta

- Approved, November 19, 2010

The Richwood Banking Company, Inc., Richwood, Ohio -- to establish a branch at 

1512 West William Street, Delaware, Ohio, and request to exceed the limit on 

investment in bank premises.

Cleveland

- Approved, November 18, 2010

Bank Holding Companies

BancFirst Corporation, Oklahoma City, Oklahoma -- to acquire OK Bancorporation, 

Inc., Okemah, and The Okemah National Bank.

Kansas City

- Approved, November 15, 2010

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

Commercial Bancshares Corporation, Frontenac, Missouri -- to become a bank 

holding company and to acquire shares of Centrust Financial, Inc., Northbrook, 

Illinois, and thereby acquire Centrust Bank, N.A.

Chicago

- Approved, November 15, 2010

Cordia Bancorp, Inc., Washington, D.C. -- to become a bank holding company and to 

acquire shares of Bank of Virginia, Midlothian, Virginia.

Richmond

- Approved, November 19, 2010

German American Bancorp, Inc., Jasper, Indiana -- to merge with American 

Community Bancorp, Inc., Evansville, and thereby acquire Bank of Evansville.

St. Louis

- Approved, November 19, 2010

Henderson Texas Bancshares, Inc., Henderson, Texas -- to acquire shares of Prosper 

Bancshares, Inc., Prosper, and thereby acquire Prosper Bank.

Dallas

- Approved, November 16, 2010

Kirkwood Bancorporation Co., Bismarck, North Dakota, and Kirkwood 

Bancorporation of Nevada, Inc., Las Vegas, Nevada -- to acquire shares of Eagle 

Valley Bank, National Association, Saint Croix Falls, Wisconsin.

Minneapolis

- Withdrawn, November 15, 2010

H.2 Actions under delegated authority November 14, 2010 to November 20, 2010

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

Rockville Financial, Inc., Rockville, Connecticut -- to acquire Rockville Bank, 

Rockville, in connection with the reorganization of Rockville Financial, MHC from 

mutual to stock form.

Boston

- Approved, November 19, 2010

Bank Mergers

CNB, Centreville, Maryland -- to merge with The Felton Bank, Felton, Delaware.

Richmond

- Approved, November 16, 2010

The Missouri Bank, Warrenton, Missouri -- to merge with Bay-Hermann-Berger 

Bank, Hermann, and to retain the acquired facilities as branches.

St. Louis

- Approved, November 18, 2010

Bank Premises

Clear Mountain Bank, Bruceton Mills, West Virginia -- to increase its investment in 

bank premises.

Richmond

- Approved, November 19, 2010

Extensions of Time

American Express Company, New York, New York, and American Express Travel 

Related Services Company, Inc. -- one-year extension of time to divest or conform 

certain impermissible nonbanking activities and investments.

Director, BS&R

- Granted, November 15, 2010

H.2 Actions under delegated authority November 14, 2010 to November 20, 2010

(A/C) = Addition or Correction Delegated - 3 of 4
Financial Holding Companies 

American Bank Holding Corporation, Corpus Christi, Texas -- election to become a 

financial holding company.

Dallas

- Effective, November 17, 2010

Pioneer Development Company, Sergeant Bluff, Iowa -- election to become a 

financial holding company.

Chicago

- Effective, November 17, 2010

International Operations

Cass Information Systems, Inc., Bridgeton, Missouri -- to engage in new foreign 

activities through formation of Cass Europe, BV, Breda, Netherlands.

St. Louis

- Approved, November 16, 2010

H.2 Actions under delegated authority November 14, 2010 to November 20, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending November 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for First Quarter of 2011 (January 1, 2011 - March 31, 2011)

Institution Location

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

Federal Reserve Bank of New York

Filings received during the week ending November 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Bank of New York Mellon, New York, New 12/03/2010

York, to establish a branch to be located at 201 

Washington Street, Boston, Massachusetts.

BANK OF NEW YORK MELLON, 

THE

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 12/03/2010

First Niagara Financial Group, Inc., Buffalo, New 

York ("FNFG"), to acquire all of the shares of 

NewAlliance Bancshares, Inc., New Haven, 

Connecticut ("NAB, Inc.") and thereby NAB, 

Inc.'s subsidiary, NewAlliance Bank, New 

Haven Connecticut, and subsequently merge 

NAB, Inc. with and into FNFG.

FIRST NIAGARA FINANCIAL 

GROUP, INC.

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for First Quarter of 2011 (January 1, 2011 - March 31, 2011)

Institution Location

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending November 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

AmeriServ Financial Bank, Johnstown, PA, to 

establish a branch office located at 1857 North 

Atherton Street, State College, PA.

AMERISERV FINANCIAL BANK

Newspaper:

Federal Register:

CIC Not available

12/08/2010

Warburg Pincus Private Equity S, L.P., New 

York, NY, to acquire up to 19.7% of National 

Penn Bancshares, Inc, Boyertown, PA.

WARBURG PINCUS PRIVATE 

EQUITY X, L.P.

* 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 First Quarter of 2011 (January 1, 2011 - March 31, 2011)

Institution Location

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

Federal Reserve Bank of Cleveland

Filings received during the week ending November 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 First Quarter of 2011 (January 1, 2011 - March 31, 2011)

Institution Location

* Subject to the provisions of the Community Reinvestment Act
District: 5

Federal Reserve Bank of Richmond

Filings received during the week ending November 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

FA Capital, LLC. and Community Bank 11/26/2010

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

Richmond, Virginia, to retain 9.86% of the 

voting securities of ICB Financial, Ontario, 

California.

FA CAPITAL, LLC

Newspaper:

Federal Register:

* Branch

Not applicable

Monarch Bank, Chesapeake, Virginia, to 12/03/2010

establish a branch to be located at 4629 N. 

Croatan Highway, Kitty Hawk, North Carolina

MONARCH BANK

Newspaper:

Federal Register:

4c8 Not applicable

12/06/2010

Royal Bank of Canada, Montreal, Canada, to 

indirectly acquire BlueBay Asset Management 

USA LLC, Darien, Connecticut, through 

BlueBay Asset Management plc, London, 

England, and to engage in financial and 

investment advisory activities.

ROYAL BANK OF CANADA

* 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 First Quarter of 2011 (January 1, 2011 - March 31, 2011)

Institution Location

BANK OF CLARKE CTY BERRYVILLE, VIRGINIA

BANK OF FLOYD FLOYD, VIRGINIA

BANK OF THE COMMONWEALTH NORFOLK, VIRGINIA

CNB CENTREVILLE, MARYLAND

HOMETOWN BK ROANOKE, VIRGINIA

NBRS FNCL BK RISING SUN, MARYLAND

SHORE BK ONLEY, VIRGINIA

UNITED BK PARKERSBURG, WEST VIRGINIA

UNITED BK FAIRFAX, VIRGINIA

VIRGINIA BUS BK RICHMOND, VIRGINIA

VIRGINIA HERITAGE BK FAIRFAX, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending November 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 12/17/2010

12/16/2010

Independent Bancshares, Inc. Employee Stock 

Ownership Plan, Red Bay, Alabama, to acquire 

27.17 percent of the outstanding shares of 

Independent Bancshares, Inc., and its 

subsidiary, Community Spirit Bank, both of Red 

Bay, Alabama, along with Spirit Bancshares, 

Inc., and its subsidiary, Spirit Bank, both of 

Belmont, Mississippi.

INDEPENDENT BANCSHARES, 

INC. EMPLOYEE STOCK 

OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A3 12/20/2010

12/16/2010

North American Financial Holdings, Inc., 

Charlotte, North Carolina, to acquire up to 100 

percent of the outstanding voting shares of 

Capital Bank Corporation, and its subsidiary, 

Capital Bank, both of Raleigh, North Carolina.

NORTH AMERICAN FINANCIAL 

HOLDINGS, 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 First Quarter of 2011 (January 1, 2011 - March 31, 2011)

Institution Location

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

Federal Reserve Bank of Chicago

Filings received during the week ending November 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/26/2010

Notice by Robert John Dentel, Victor, Iowa, and 

Mary P. Howell, Ames, Iowa, individually, and 

the Robert John Dentel Family (Robert J. Dentel, 

Patricia A. Dentel, and three minor children) all 

of Victor, Iowa, and the Mary P. Howell Family 

(Mary P. Howell, Stephen J. Howell, and three 

minor) all of Ames, Iowa, for permission for each 

Family to control more than 25 percent of the 

shares of Dentel Bancorporation, Victor, Iowa, 

and thereby indirectly control of Victor State 

Bank, Victor, Iowa; Corydon State Bank, 

Corydon, Iowa; First State Bank of Colfax, 

Colfax, Iowa; Maxwell State Bank, Maxwell, 

Iowa; Pocahontas State Bank, Pocahontas, 

Iowa; and Panora State Bank, Panora, Iowa.

DENTEL BANCORPORATION

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:

CIC Not available

Not available

Notice filed by the James Blin Family (James Lee 

Blin and Randy Alan Blin, both of 

Independence, Iowa; Timothy Lee Blin, Ponte 

Vedra Beach, Florida; Sandra Blin Burgard, 

Bozeman, Montana; and Tamara Blin Diamond, 

Mesa, Arizona) to retain control of more than 25 

percent of the voting shares of Independence 

Bancshares, Inc., Independence, Iowa, and 

thereby indirectly control voting shares of 

Security State Bank, Independence, Iowa and 

Northeast Security Bank, Sumner, Iowa.

INDEPENDENCE BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A3 11/28/2010

11/26/2010

Peoples Bancorp, Inc., Prairie du Chien, 

Wisconsin, to acquire 100 percent of the voting 

shares of Woodhouse & Bartley Bank, 

Bloomington, Wisconsin.

PEOPLES BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 12/03/2010

12/17/2010

River Holding Company, Stoddard, Wisconsin, 

to acquire 51 percent of the voting shares of 

Community Business Bancshares, Inc., Sauk 

City, Wisconsin, and thereby indirectly acquire 

Community Business Bank, Sauk City, 

Wisconsin.

RIVER HOLDING COMPANY

* 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 First Quarter of 2011 (January 1, 2011 - March 31, 2011)

Institution Location

BANK IA CLARINDA, IOWA

BANK IA NEW HAMPTON, IOWA

BANK OF MONTREAL CHICAGO BR CHICAGO, ILLINOIS

BANK OF OAKFIELD OAKFIELD, WISCONSIN

BANK TOK-MIT UFJ CHICAGO BR CHICAGO, ILLINOIS

BNP PARIBAS CHICAGO BR CHICAGO, ILLINOIS

CALUMET CTY BK BRILLION, WISCONSIN

CANADIAN IMPERIAL BK CHGO BR CHICAGO, ILLINOIS

CREDIT AGRICOLE C&I BK CHGO BR CHICAGO, ILLINOIS

G W JONES EXCHANGE BK MARCELLUS, MICHIGAN

HARTSBURG ST BK HARTSBURG, ILLINOIS

JOHNSON BK RACINE, WISCONSIN

LEGACY BK MILWAUKEE, WISCONSIN

LOGAN CTY BK LINCOLN, ILLINOIS

MEGA INTL CMRL BK CHICAGO BR CHICAGO, ILLINOIS

MIZUHO CORP BK CHICAGO BR CHICAGO, ILLINOIS

NORTHBROOK B&TC NORTHBROOK, ILLINOIS

PEOPLES BK ARLINGTON HEIGHTS ARLINGTON HEIGHTS, ILLINOIS

PRIMEBANK LE MARS, IOWA

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

Federal Reserve Bank of Chicago

QUAD CITY B&TC BETTENDORF, IOWA

ROCKFORD B&TC ROCKFORD, ILLINOIS

ROYAL BK SCOTLAND CHICAGO BR CHICAGO, ILLINOIS

SOCIETE GENERALE CHICAGO BR CHICAGO, ILLINOIS

TOWN & CNTRY BK SPRINGFIELD, ILLINOIS

UBS AG CHICAGO BR CHICAGO, ILLINOIS

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

Federal Reserve Bank of St. Louis

Filings received during the week ending November 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/08/2010

Notice by the House family control group, 

Batesville, Arkansas, to gain control of First 

Community Bancshares, Inc., Batesville, 

Arkansas. The House family control group 

consists of: Verlene H. House Revocable Trust, 

Verlene H. House as trustee; White River 

Bituminous, Inc.; Edward House; Howard 

House; Dianne Lamberth; Marcus Lamberth; 

Lauren Lamberth Patterson, all of Batesville, 

Arkansas; and Lance Lamberth, San Francisco, 

California.

FIRST COMMUNITY 

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 First Quarter of 2011 (January 1, 2011 - March 31, 2011)

Institution Location

ALLIED BK MULBERRY, ARKANSAS

ARVEST BK FAYETTEVILLE, ARKANSAS

BANK OF CROCKETT BELLS, TENNESSEE

BANK OF FAYETTE CTY MOSCOW, TENNESSEE

BANKTENNESSEE COLLIERVILLE, TENNESSEE

DUQUOIN ST BK DUQUOIN, ILLINOIS

FLORA B&TC FLORA, ILLINOIS

KING SOUTHERN BK CHAPLIN, KENTUCKY

MAINSTREET BK ASHLAND, MISSOURI

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Filings received during the week ending November 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

11/29/2010

Bigfork Bancshares, Inc., Bigfork, Minnesota, to 

acquire 100 percent of Kelliher Bancshares Inc., 

Kelliher, Minnesota, and thereby indirectly 

acquire Citizens State Bank of Kelliher, Kelliher, 

Minnesota.

BIGFORK BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

12/13/2010

Retroactive application by Bitterroot Holding 

Company, Lolo, Montana, to increase its 

ownership from 31.9% to 34.9% of West One 

Bank, Kalispell, Montana.

BITTERROOT HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC Not available

Not available

Retroactive Change in Control Notice by James 

A. Jorgenson, Kenmare, North Dakota, as an 

individual, to acquire and retain 18 percent or 

more of the shares of Bozeman Bancorp, Inc., 

Bozeman, Montana, and thereby indirectly 

acquire and retain control of Bank of Bozeman, 

Bozeman, Montana.

BOZEMAN BANCORP, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for First Quarter of 2011 (January 1, 2011 - March 31, 2011)

Institution Location

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

Federal Reserve Bank of Kansas City

Filings received during the week ending November 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/18/2010

11/15/2010

Notification by Larry L. Bingham, Baxter 

Springs, Kansas; Ross C. Hartley, Teton Village, 

Wyoming; Fred Mitchelson, Pittsburg, Kansas; 

and Bob L. Robinson, Baxter Springs, Kansas, 

to acquire control of American BancShares, Inc., 

Baxter Springs, Kansas, parent of American 

Bank of Baxter Springs, Baxter Springs, Kansas.

AMERICAN BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

12/06/2010

Aslin Group, Inc., Overland Park, Kansas; Aslin 

Opportunity Fund BK, LP, Cape Haze, Florida; 

and Aslin Capital I, LLC, Cape Haze, Florida, to 

engage in servicing loans.

ASLIN GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

11/29/2010

Notification by Kenneth L. Morrison, Hastings, 

Nebraska, to acquire control of Doniphan 

Bancshares, Inc., parent of Bank of Doniphan, 

both in Doniphan, Nebraska.

DONIPHAN BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

FirstBank, Antlers, Oklahoma, to establish a 11/26/2010

branch at 1501 East Jackson, Hugo, Oklahoma.

FIRSTBANK

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

FirstBank, Antlers, Oklahoma, to increase its 

investment in bank premises in the amount of 

$2,500,000.

FIRSTBANK

Newspaper:

Federal Register:

CIC 11/15/2010

11/10/2010

Notice submitted by J. Grant Burcham,as trustee 

of the James Grant Burcham Trust, Kansas City, 

Missouri, to retain control of MBT Bancshares, 

Inc., Kansas City, Missouri, parent of Missouri 

Bank and Trust Company, Kansas City, 

Missouri.

MBT BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

The Stock Exchange Bank, Caldwell, Kansas, to 11/18/2010

establish a branch at 106 West Spruce Street, 

Arkansas City, Kansas.

STOCK EXCHANGE BANK

* 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 First Quarter of 2011 (January 1, 2011 - March 31, 2011)

Institution Location

BANK OF BENNINGTON BENNINGTON, NEBRASKA

BANK OF KREMLIN KREMLIN, OKLAHOMA

BANK OF NEWMAN GROVE NEWMAN GROVE, NEBRASKA

BUTTE ST BK BUTTE, NEBRASKA

EMERALD BK BURDEN, KANSAS

FARMERS BK AULT, COLORADO

FIRST BETHANY BK & TR BETHANY, OKLAHOMA

INTERBANK ELK CITY, OKLAHOMA

STATE BK OF BURRTON BURRTON, KANSAS

UNION BK OKLAHOMA CITY, OKLAHOMA

UNITED B&TC MARYSVILLE, KANSAS

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

Federal Reserve Bank of Dallas

Filings received during the week ending November 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 12/10/2010

12/04/2010

Bertram BancShares, Inc., Bertram, Texas, to 

become a bank holding company by acquiring 

99.52% of Farmers State Bank, Bertram, Texas.

BERTRAM BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Carlile Bancshares, Inc., Fort Worth, Texas, to 

become a bank holding company by acquiring 

100 percent of Treaty Oak Bank, Austin, Texas.

CARLILE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

12/17/2010

Commercial Bancshares, Inc., El Campo, Texas, 

to become a bank holding company by 

acquiring 75 percent of El Campo Bancshares, 

Inc., El Campo, Texas, and indirectly acquire 

Commercial State Bank, El Campo, Texas.

COMMERCIAL BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A1 12/06/2010

11/26/2010

Community Bancorp LLC, Houston, Texas, to 

become a bank holding company by acquiring 

100 percent of Cadence Financial Corporation, 

Starkville, Mississippi, and indirectly acquire 

Cadence Bank, N.A., Starkville, Mississippi.

COMMUNITY BANCORP LLC

Newspaper:

Federal Register:

CIC 11/08/2010

11/10/2010

Notice by Byron Cook, Ginne Sue Cook, Katie 

Cook, Lance Cook, Karen Cook, and Nina Sue 

Cook,all in Corsicana, Texas, collectively the 

Cook Family - Notificants, to retain 10 percent or 

more of the shares of Community Bank 

Holdings of Texas, Inc., Corsicana, Texas, and 

indirectly Community National Bank and Trust 

of Texas, Corsicana, Texas.

COMMUNITY BANK HOLDINGS 

OF TEXAS, INC.

Newspaper:

Federal Register:

CIC 10/19/2010

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:

* Branch

Not applicable

Southwest Bank, Fort Worth, Texas, to 12/02/2010

establish a branch to be located at Jerome Street 

& Rosedale Street, Fort Worth, Texas 76110.

SOUTHWEST BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

TXRB Holdings, Inc., Dallas, Texas, to become a 

bank holding company by acquiring 100 percent 

of Texas Republic Bank, N.A., Frisco, Texas.

TXRB HOLDINGS, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for First Quarter of 2011 (January 1, 2011 - March 31, 2011)

Institution Location

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Filings received during the week ending November 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

4c8 11/22/2010

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management Company, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community Bancfund-A, L.P., Carpenter 

Community Bancfund-CA, L.P., CGB Holdings, 

Inc., CCFW, Inc., and SCJ, Inc., all of Irvine, 

California, to acquire 100 percent of Professional 

Business Bank, Pasadena, California, in 

connection with the merger of Professional 

Business Bank with and into California General 

Bank, Pasadena, California; and 2)CGB 

Holdings, Inc., Irvine, California, to form a 

wholly-owned subsidiary, CGB Asset 

Management, Inc., Irvine, California, to engage 

in extending credit and servicing loans, 

pursuant to section 225.28 (b)(1) of Regulation 

Y.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

CIC 12/06/2010

11/19/2010

Henry Liebman, Gail Katz, and Sodo Builders, all 

of Seattle, Washington, acting as a group in 

concert, to retain 10 percent or more of the 

voting shares of Regal Financial Bancorp, Inc., 

and thereby indirectly acquire Regal Financial 

Bank, both of Seattle, Washington.

REGAL FINANCIAL BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A3 11/29/2010

11/29/2010

SKBHC Holdings, LLC, and SKBHC Hawks 

Nest Acquisition Corp., both of Corona del Mar, 

California, to acquire 100 percent of 

AmericanWest Bank, Spokane, Washington.

SKBHC HOLDINGS, LLC

* 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 First Quarter of 2011 (January 1, 2011 - March 31, 2011)

Institution Location

AMERICAN SCTY BK NEWPORT BEACH, CALIFORNIA

BANK OF UT OGDEN, UTAH

COMMONWEALTH BUS BK LOS ANGELES, CALIFORNIA

FIRST UT BK SALT LAKE CITY, UTAH

HERITAGE BK OF CMRC SAN JOSE, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act