Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 13 

Week Ending March 28, 2009

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

Bank of America Corporation, Charlotte, North Carolina -- request for temporary 

relief from the Board's risk-based and leverage capital guidelines, in connection 

with deferred tax assets Bank of America acquired as a result of its acquisition of 

Merrill Lynch & Company, Inc., New York, New York.

- Granted, March 27, 2009

Forms

Forms -- initial Board review to extend without revision the Studies to Develop and 

Test Consumer Regulatory Disclosures (FR 1380) and to implement the 

Microeconomic Survey (FR 3051).

- Proposed, March 24, 2009

Forms -- initial Board review to extend without revision the Recordkeeping 

Requirements for Complex Structured Finance Activities (FR 4022).

- Proposed, March 27, 2009

Monetary and Financial Policy

Term Auction Facility -- TAF auction in the amount of $150 billion in 84-day credit 

on March 23, 2009.

- Announced, March 23, 2009

Regulations and Policies

Federal Reserve Priced Services -- publication for comment of revisions to the 

methodology for calculating the private-sector adjustment factor for priced services.

- Approved, March 27, 2009

H.2 Board Actions March 22, 2009 to March 28, 2009

(A/C) = Addition or Correction Board - Page 1 of 3
Testimony and Statements

American International Group, Inc. -- statement by Chairman Bernanke before the 

House Committee on Financial Services on the Federal Reserve's involvement with 

AIG.

- Published, March 24, 2009

Credit Availability and Prudent Lending Standards -- statement by Governor Duke 

before the House Committee on Financial Services on the state of the banking 

system.

- Published, March 25, 2009

Enforcement

BancMidwest Corporation, St. Paul, Minnesota -- written agreement with the Federal 

Reserve Bank of Minneapolis.

- Announced, March 24, 2009

Columbia Commercial Bancorp, Hillsboro, Oregon -- written agreement with the 

Federal Reserve Bank of San Francisco and the Oregon Department of Consumer and 

Business Services, Division of Finance and Securities.

- Announced, March 23, 2009

Eagle National Holding Company (currently named JGB Financial Holding 

Company), Miami, Florida -- cease and desist order dated March 30, 2005, 

terminated March 24, 2009.

- Announced, March 26, 2009

First State Bank of Red Bud, Red Bud, Illinois -- written agreement with the Federal 

Reserve Bank of St. Louis and the Illinois Department of Financial and Professional 

Regulation, Division of Banking.

- Announced, March 27, 2009

H.2 Board Actions March 22, 2009 to March 28, 2009

(A/C) = Addition or Correction Board - Page 2 of 3
Enforcement

Pine City Bancorporation, Inc., Pine City, Minnesota -- written agreement with the 

Federal Reserve Bank of Minneapolis.

- Announced, March 24, 2009

PlainsCapital Bank, Dallas, Texas -- issuance of a consent order of prohibition and 

order of assessment of a civil money penalty against G. Craig Chupik, a former vice 

president and loan officer.

- Announced, March 23, 2009

Premier Bancshares, Inc., Jefferson City, Missouri -- written agreement with the 

Federal Reserve Bank of St. Louis.

- Announced, March 24, 2009

Spring Grove Investments, Inc., Spring Grove, Minnesota -- written agreement with 

the Federal Reserve Bank of Minneapolis.

- Announced, March 24, 2009

H.2 Board Actions March 22, 2009 to March 28, 2009

(A/C) = Addition or Correction Board - Page 3 of 3
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

March 22, 2009 to March 28, 2009

Bank Branches, Domestic

The Bankers Bank, Oklahoma City, Oklahoma -- to establish a branch at 1700 

Redbud Boulevard, McKinney, Texas.

Kansas City

- Approved, March 26, 2009

Compass Bank, Birmingham, Alabama -- to establish a mobile branch to serve the 

Texas cities of Beaumont, Laredo, and McAllen.

Atlanta

- Withdrawn, March 25, 2009

Bank Holding Companies

Eggemeyer Advisory Corp., Rancho Santa Fe, California -- for Eggemeyer Advisory 

Corp., Rancho Santa Fe; WJR Corp.; Castle Creek Capital LLC; Castle Creek Capital 

Partners Fund IIA LP; and Castle Creek Capital Partners Fund IIB LP to acquire 

shares of First Chicago Bancorp, Itasca, Illinois, and indirectly First Chicago Bank & 

Trust; and for Eggemeyer Capital LLC, Rancho Santa Fe, California; Ruh Capital 

LLC; Legions IV Advisory Corporation; Castle Creek Capital III LLC; and Castle 

Creek Capital Partners III LP to acquire indirect control of Union Acceptance 

Company LLC, Indianapolis, Indiana, and Coastal Credit LLC, Virginia Beach, 

Virginia, and thereby engage in auto lending and financing.

San Francisco

- Withdrawn, March 26, 2009

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

Manhattan Bancorp, El Segundo, California; Carpenter Fund Manager GP, LLC, 

Irvine; Carpenter Fund Management, LLC; Carpenter Community Bancfund, L.P.; 

Carpenter Community Bancfund-A, L.P.; Carpenter Community Bancfund-CA, L.P.; 

CCFW, Inc.; and SCJ, Inc. -- to form a subsidiary, MB Financial Services, Inc., El 

Segundo, to enter into a de novo joint venture with Bodi Advisors, Inc. by acquiring 

shares of Bodi Capital LLC and thereby engage in riskless-principal transactions and 

mortgage brokerage and loan origination activities.

San Francisco

- Withdrawn, March 27, 2009

Valliance Texas Financial Holdings, Inc., McKinney, Texas -- to become a bank 

holding company and to acquire Valliance Bank, McKinney.

Dallas

- Approved, March 27, 2009

Bank Mergers

Norbank, North Kansas City, Missouri -- to merge with Country Club Bank, N.A., 

Shawnee Mission, Kansas, and thereby establish fourteen branches.

Kansas City

- Approved, March 25, 2009

SunTrust Bank, Atlanta, Georgia -- to purchase certain assets and assume certain 

liabilities of Omni National Bank, Atlanta.

Secretary

- Approved, March 27, 2009

H.2 Actions under delegated authority March 22, 2009 to March 28, 2009

(A/C) = Addition or Correction Delegated - 2 of 4
Change in Bank Control

Banco Harlan, Inc., Harlan, Kentucky -- change in bank control of Banco and its 

subsidiary bank, The Bank of Harlan, Harlan.

Cleveland

- Permitted, March 26, 2009

First National Community Bancorp, Inc., Dunmore, Pennsylvania -- to retain control 

of First National and its subsidiary bank, First National Community Bank, Dunmore.

Philadelphia

- Permitted, March 2, 2009

(A/C)

Helena Bancshares, Inc., Helena, Arkansas -- change in bank control of Helena and 

its subsidiary bank, Helena National Bank, Helena.

St. Louis

- Withdrawn, March 27, 2009

Janesville Holding Company, Janesville, Minnesota -- change in bank control of 

Janesville and its subsidiary bank, Janesville State Bank, Janesville.

Minneapolis

- Permitted, March 23, 2009

Extensions of Time

Lincoln Holding Company, Lincoln, Montana -- extension to June 30, 2009, to 

become a bank holding company and to acquire First Bank of Lincoln, Lincoln.

Minneapolis

- Granted, March 25, 2009

H.2 Actions under delegated authority March 22, 2009 to March 28, 2009

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

UBT Bancshares, Inc., Marysville, Kansas -- election to become a financial holding 

company.

Kansas City

- Effective, March 26, 2009

Membership

High Country Bank, Salida, Colorado -- to become a member of the Federal Reserve 

System.

Kansas City

- Approved, March 27, 2009

Norbank (to be known as Country Club Bank), North Kansas City, Missouri -- to 

become a member of the Federal Reserve System.

Kansas City

- Approved, March 25, 2009

H.2 Actions under delegated authority March 22, 2009 to March 28, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending March 28, 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 March 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banque Transatlantique, Paris, France, to 

establish a representative office in New York, 

New York, pursuant to Section 211.24(a)(1) of 

Regulation K.

BANQUE TRANSATLANTIQUE

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Traders Trust Company, 04/04/2009

Buffalo, New York, to establish a branch to be 

located at 6990 Laurel Bowie Road, Bowie, 

Prince George's County, Maryland.

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 March 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/03/2009

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 

Guaranty Bancorp, parent of Guaranty Bank and 

Trust Company, both in Denver, Colorado, 

through the acquisition of voting shares.

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 March 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

Not available

Application by Community Exchange 04/27/2009

Bancshares Inc., Hindman, KY to become a 

Bank Holding Company by acquiring 100% of 

the voting shares of Hindman Bancshares Inc., 

Hindman, KY and its subsidiary Bank of 

Hindman Inc.

Community Exchange Bancshares 

Inc.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
 WashingtonFirst Bankshares, Inc. * 3A1 WashingtonFirst Bankshares, Inc., Reston, Newspaper: Not applicable 

 Virginia, to become a bank holding company 

 through the acquisition of WashingtonFirst Federal Register: Not applicable 

 Bank, Reston, Virginia. 

 

 

 

 

District: 5 

Federal Reserve Bank of Richmond 

Filings received during the week ending April 4, 2009 

Filer Filing Type Filing Proposal End of Comment Period 

Randolph Bancshares, Inc., Asheboro, North 

Carolina, to become a bank holding company 

through the acquisition of 100% of the voting 

securities of Randolph Bank & Trust Company, 

Asheboro, North Carolina. 

Randolph Bancshares, Inc. Newspaper: 

Federal Register: 

* 3A1 Not available 

04/17/2009 

* Subject to the provisions of the Community Reinvestment Act 

District: 5 

Federal Reserve Bank of Richmond 

Filings received during the week ending April 4, 2009 

Filer Filing Type Filing Proposal End of Comment Period 

Randolph Bancshares, Inc., Asheboro, North 

Carolina, to become a bank holding company 

through the acquisition of 100% of the voting 

securities of Randolph Bank & Trust Company, 

Asheboro, North Carolina. 

Randolph Bancshares, Inc. Newspaper: 

Federal Register: 

* 3A1 Not available 

04/17/2009 

* Subject to the provisions of the Community Reinvestment Act 

District: 5 

Federal Reserve Bank of Richmond 

Filings received during the week ending April 4, 2009 

Filer Filing Type Filing Proposal End of Comment Period 

Randolph Bancshares, Inc., Asheboro, North 

Carolina, to become a bank holding company 

through the acquisition of 100% of the voting 

securities of Randolph Bank & Trust Company, 

Asheboro, North Carolina. 

Randolph Bancshares, Inc. Newspaper: 

Federal Register: 

* 3A1 Not available 

04/17/2009 

* 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 March 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 March 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Bank Iowa, Oskaloosa, Iowa, to purchase the 

assets and assume the liabilities of the Newton, 

Iowa branch of Bank Iowa, Altoon, Iowa, and to 

establish a branch facility at 215 West 2nd 

Street North, Newton, Iowa.

BANK IOWA

Newspaper:

Federal Register:

CIC Not available

04/14/2009

Notice by David E. Carpenter, Iowa City, Iowa; 

and Nancy A. Leahy, individually and as part of 

the Leahy Family (Nancy A. Leahy, Timothy J. 

Leahy, Brian J. Leahy, and Evan G. Leahy, all of 

Idaho Falls, Idaho) for permission to control 25 

percent or more of the shares of C-B-G, Inc., and 

thereby indirectly control Community Bank, 

Muscatine, Iowa; Washington Bancorp, 

Washington, Iowa; and Federation Bank, 

Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/27/2009

Community First Financial Corporation, 

Kokomo, Indiana, to become a bank holding 

company by acquiring 100 percent of the voting 

shares of Community First Bank of Howard 

County, Kokomo, Indiana.

Community First Financial 

Corporation

Newspaper:

Federal Register:

* Branch

Not applicable

M&I Marshall and Ilsley Bank, Milwaukee, 03/26/2009

Wisconsin, to establish a branch facility to be 

located at 12620 East 116th Street, Fishers, 

Indiana.

M&I MARSHALL & ILSLEY 

BANK

Newspaper:

Federal Register:

* 3A3 Not available

04/14/2009

Minier Financial,Inc. Employee Stock 

Ownership Plan with 401(k) Provisions, Minier, 

Illinois, to increase its ownership of Minier 

Financial, Inc., Minier, Illinois, from 29 percent 

to up to 51 percent, and thereby increase its 

indirect ownership of First Farmers State Bank, 

Minier, Illinois.

MINIER FINANCIAL, INC. 

EMPLOYEE STOCK OWNERSHIP 

PLAN W/401(K) PROVISIONS

Newspaper:

Federal Register:

* 3A1 Not available

04/10/2009

OSB Financial Corporation, Brooklyn, Michigan, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

OSB Community Bank, Brooklyn, Michigan.

OSB FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

03/24/2009

Notice by Robert C. Fick, Davenport, Iowa, for 

permission to acquire an additional 5 percent, 

for an aggregate ownership of 16 percent of 

River Valley Bancorp, Inc., Davenport, Iowa, 

and thereby indirectly Valley Bank, Moline, 

Illinois; Freedom Bank, Sterling, Illinois; and 

Valley Bank, Fort Lauderdale, Florida.

RIVER VALLEY BANCORP, 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

 49148 RUSHVILLE ST BK, RUSHVILLE, ILLINOIS 12/01/2008 03/12/2009 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 March 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 04/01/2009

establish a branch facility to be located at 4400 

West Markham, Little Rock, Arkansas.

ARVEST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 04/09/2009

establish a branch facility to be located at 1102 

North Massey Boulevard, Nixa, Missouri.

ARVEST BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Southern Bancorp Bank of Arkansas, 

Arkadelphia, Arkansas, to merge with 

Timberland Bank, El Dorado, 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

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 March 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/10/2009

Beartooth Financial Corporation, Billings, 

Montana to become a bank holding company 

by acquiring 100 percent of Beartooth Bank, 

Billings, Montana.

BEARTOOTH FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Mackinac Financial Corporation, Manistique, 

Michigan, proposes to acquire 10% of Clarkston 

Capital Partners, LLC, Troy, Michigan, and 

thereby indirectly engage in financial and 

investment advisory activities, pursuant to 

section 225.28(b)(6) of Regulation Y.

MACKINAC FINANCIAL 

CORPORATION

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending March 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/06/2009

Notice by Donald Rossiter, Hartington, 

Nebraska, individually and as trustee of the 

Mary E. Rossiter Trust, and Carol F. Rossiter, 

Macon, Georgia, individually and as trustee of 

the Mary E. Rossiter Trust, and the Margaret R. 

Rossiter Trust, to retain control of Cedar 

Bancorp, Inc., parent of Bank of Hartington, 

both in Hartington, Nebraska, through the 

acquisition of voting shares. Also, Donald W. 

Rossiter, Carol F. Rossiter, Phyllis Schrempp, J. 

Scott Schrempp, Christine Rositter, and Leon 

Schrempp, a group acting in concert, to retain 

control of Cedar Bancorp, Inc. parent of Bank of 

Hartington, Hartington, Nebraska.

CEDAR BANCORP

Newspaper:

Federal Register:

4c8 Not applicable

04/16/2009

Midwest Banco Corporation, Cozad, Nebraska, 

to continue to engage in general insurance 

activities through the retention of Grabenstein 

Insurance & Financial Services, Inc., Eustis, 

Nebraska.

MIDWEST BANCO 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

04/16/2009

Notice submitted by Martin C. Bicknell, 

Bucyrus, Kansas, to acquire control of 

University National Bancshares, Inc., parent of 

University National Bank, both in Pittsburg, 

Kansas.

UNIVERSITY NATIONAL 

BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 547550 BANK OF CMRC, RAWLINS, WYOMING 12/08/2008 03/11/2009 S Small Bank

 343051 BANK OF EUFAULA, EUFAULA, OKLAHOMA 12/15/2008 03/16/2009 S Small Bank

 1187001 UNION BK, OKLAHOMA CITY, OKLAHOMA 12/01/2008 03/12/2009 S Int Sm 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 March 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/03/2009

Jourdanton Bancshares, Inc., Jourdanton, 

Texas, to become a bank holding company by 

acquiring 100 percent of Jourdanton State Bank, 

Jourdanton, Texas.

JOURDANTON BANCSHARES, 

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 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 March 28, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Community Bank of Nevada, Las Vegas, 

Nevada, to merge with Community Bank of 

Arizona, Phoenix, Arizona.

COMMUNITY BANK OF 

NEVADA

* 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