Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 8 

Week Ending February 20, 2010

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

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

Financial Services on February 24 and before the Senate Committee on Banking, 

Housing, and Urban Affairs on February 25, 2010, on the semiannual monetary 

policy report to the Congress.

- Discussed, February 18, 2010

Banking Supervision & Regulation

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- request to 

redeem its TARP preferred stock.

- Approved, February 2, 2010

(A/C)

Discount Rates

Discount and Advance Rates, Term Auction Facility (TAF) -- increase in the primary 

credit rate from 1/2 percent to 3/4 percent by the twelve Federal Reserve Banks; 

reduction in the maximum maturity of primary credit loans to most depository 

institutions from 28 days to overnight, effective March 18, 2010; and increase in the 

minimum bid rate for TAF loans to 1/2 percent.

- Announced, February 18, 2010

Monetary and Financial Policy

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

- Authorized, February 17, 2010

Personnel

Division of Banking Supervision and Regulation -- appointment of Mark E. 

Van Der Weide as associate director.

- Announced, February 17, 2010

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

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

Overdraft Services -- publication for comment of amendments to Regulations E 

(Electronic Fund Transfers) and DD (Truth in Savings) to clarify certain aspects of 

final rules addressing overdraft services.

- Approved, February 17, 2010

Enforcement

Beach First National Bancshares, Inc., Myrtle Beach, South Carolina -- written 

agreement with the Federal Reserve Bank of Richmond.

- Announced, February 17, 2010

Community First Bank-Chicago, Chicago, Illinois -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, February 17, 2010

Community National Bancorporation, Waterloo, Iowa -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, February 17, 2010

First National Corporation, Savannah, Georgia -- written agreement with the Federal 

Reserve Bank of Atlanta.

- Announced, February 18, 2010

Marco Community Bank, Marco Island, Florida -- issuance of a prompt corrective 

action directive with the consent of the bank.

- Announced, February 18, 2010

SunFirst Corporation, St. George, Utah -- written agreement with the Federal Reserve 

Bank of San Francisco.

- Announced, February 18, 2010

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

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

TCM Company, Crete, Nebraska -- written agreement with the Federal Reserve Bank 

of Kansas City.

- Announced, February 18, 2010

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

(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

February 14, 2010 to February 20, 2010

Bank Branches, Domestic

The Andover Bank, Andover, Ohio -- to establish a branch at 6611 North Ridge 

Road, Madison, and request to exceed the limit on investment in bank premises.

Cleveland

- Approved, February 19, 2010

Bank Holding Companies

Banco de Sabadell, S.A., Sabadell, Spain -- to engage de novo in securities brokerage 

and riskless-principal activities through its newly established subsidiary, Sabadell 

Securities USA, Inc., Miami, Florida.

Atlanta

- Approved, February 16, 2010

Lake Central Financial, Inc., Annandale, Minnesota -- to become a bank holding 

company and to acquire Annandale State Bank, Annandale.

Minneapolis

- Approved, February 19, 2010

Bank Mergers

Bank of Commerce, Chanute, Kansas -- to merge with First State Bank of Thayer, 

Thayer, and thereby establish a branch.

Kansas City

- Approved, February 18, 2010

(A/C) = Addition or Correction Delegated - 1 of 2
Change in Bank Control

Hometown Bancshares, Inc., Middlebourne, West Virginia -- to retain control of 

Hometown and its subsidiary bank, Union Bank, Inc., Middlebourne.

Cleveland

- Withdrawn, February 19, 2010

Hometown of Homestead Banking Company, Homestead, Florida -- change in bank 

control of Hometown and its subsidiary bank, 1st National Bank of South Florida, 

Homestead (two notices).

Atlanta

- Permitted, February 18, 2010

UCB Financial Group, Inc., Atlanta, Georgia -- change in bank control of UCB and 

its subsidiary bank, Atlanta Business Bank, Atlanta.

Atlanta

- Permitted, February 19, 2010

Extensions of Time

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to April 6, 2010, to 

establish a branch at 522 Snelling Avenue South, St. Paul, Minnesota.

Chicago

- Granted, February 19, 2010

Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on January 26 and 27, 

2010.

FOMC

- Published, February 17, 2010

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

(A/C) = Addition or Correction Delegated - 2 of 2
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending February 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Application by Marblehead Bank, Marblehead, 

Massachusetts to establish a de novo branch 

office at 100 Cummings Center, Beverly, 

Massachusetts, pursuant to section 9 of the 

Federal Reserve Act and section 208.6 of 

Regulation H.

MARBLEHEAD BANK

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

State Street Bank & Trust Company and State 

Street International Holdings, both of Boston, 

Massachusetts, filed a prior notice to invest in 

State Street International Holdings Switzerland 

GmbH in excess of the single entity limit 

pursuant to section 211.9(f) of Regulation K in 

connection with the contribution of State Street 

Cayman Trust Company Limited.

STATE STREET BANK AND 

TRUST COMPANY

* 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 Second Quarter of 2010 (April 1, 2010 - June 30, 2010)

Institution Location

CONNECTICUT BK & TR CO HARTFORD, CONNECTICUT

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

Federal Reserve Bank of New York

Filings received during the week ending February 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 4c8

* 3A3

02/22/2010

02/19/2010

First Niagara Financial Group, Inc., Buffalo, New 

York ("FNFG"), to become a bank holding 

company by acquiring Harleysville National 

Corporation and Harleysville National Bank and 

Trust Company, both of Harleysville, 

Pennsylvania. FNFG to retain First Niagara 

Bank, Buffalo, New York ("FNB"), and thereby 

operate a savings association. FNFG to retain 

FNB upon conversion of FNB to a national 

bank, pursuant to Section 3(a)(3) of the BHC 

Act.

FIRST NIAGARA FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Natixis, Paris, France, to establish an additional 

branch in New York, New York, pursuant to 

Section 211.24(a)(2)(i)(A) of Regulation K.

NATIXIS

* 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 Second Quarter of 2010 (April 1, 2010 - June 30, 2010)

Institution Location

MANUFACTURERS & TRADERS TC BUFFALO, NEW YORK

TIOGA ST BK SPENCER, NEW YORK

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending February 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not available

* 18C Not available

Bryn Mawr Bank Corporation, Bryn Mawr, PA, 

to acquire First Keystone Financial, Inc., Media, 

PA, pursuant to Section 4(c)(8) of the Bank 

Holding Company Act

BRYN MAWR BANK 

CORPORATION

Newspaper:

Federal Register:

CIC 03/01/2010

03/09/2010

Allen E. Ertel and Catharine K. Ertel, 

Montoursville PA, Edward Ertel of Washington, 

DC, Amy Ertel, Jersey City, NJ, and Firetree, 

LTd, Williamsport, PA, to retain ownership of 

13% percent or more Woodlands Financial 

Services Company, PA.

WOODLANDS FINANCIAL 

SERVICE COMPANY

* 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

 928618 AMERISERV FNCL BK, JOHNSTOWN, PENNSYLVANIA 09/21/2009 02/05/2010 S Large Bank

CRA Examinations scheduled for Second Quarter of 2010 (April 1, 2010 - June 30, 2010)

Institution Location

LAFAYETTE AMBASSADOR BK EASTON, PENNSYLVANIA

LANDMARK CMNTY BK PITTSTON, PENNSYLVANIA

MERCHANTS BK OF BANGOR BANGOR, PENNSYLVANIA

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

Federal Reserve Bank of Cleveland

Filings received during the week ending February 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change in Bank Control by Jeffrey J. 

Woda and David Cooper, Jr., acting in concert, 

to acquire 16.43 perecnt of the outstanding 

voting shares of Benchmark Bancorp, Gahanna, 

OH, and thereby indirectly acquire control of 

Benchmark Bank, Gahanna, OH

BENCHMARK BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Bank Control 

filed by the Rogers Immediate Family Control 

Group to acquire 10 percent or more of the 

outstanding voting shares and control of 

Citizens Bancshares, Inc., thereby indirectly 

acquiring control of The Citizens National Bank 

of Somerset, both of Somerset, Kentucky.

CITIZENS BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Bank Control 

filed by Harris Rakestraw, III, individually,to 

acquire 10 percent or more of the outstanding 

voting shares and control of Citizens 

Bancshares, Inc., thereby indirectly acquiring 

control of The Citizens National Bank of 

Somerset, both of Somerset, Kentucky.

CITIZENS 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 Second Quarter of 2010 (April 1, 2010 - June 30, 2010)

Institution Location

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

Federal Reserve Bank of Richmond

Filings received during the week ending February 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Capon Valley Bank, Wardensville, West 

Virginia, to increase its investment on bank 

premises.

CAPON VALLEY BANK

Newspaper:

Federal Register:

* 3A3 03/14/2010

03/14/2010

FA Capital, LLC. and Community Bank 

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

Richmond, Virginia, to increase their investment 

in Progress Bank of Florida, Tampa, Florida, 

from 39.36% to up to 49.99%.

COMMUNITY BANK 

INVESTORS OF AMERICA, LP

* 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 Second Quarter of 2010 (April 1, 2010 - June 30, 2010)

Institution Location

BANK OF GASSAWAY GASSAWAY, WEST VIRGINIA

BANK OF THE EASTERN SHORE CAMBRIDGE, MARYLAND

CENTRAL VA BK POWHATAN, VIRGINIA

COMMUNITY BK OF TRI-CTY WALDORF, MARYLAND

LOGAN B&TC LOGAN, WEST VIRGINIA

MONARCH BK CHESAPEAKE, VIRGINIA

RBC BK USA RALEIGH, NORTH CAROLINA

STELLARONE BK CHRISTIANSBURG, VIRGINIA

UNION B&TC BOWLING GREEN, VIRGINIA

VIRGINIA B&TC DANVILLE, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending February 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

03/22/2010

Gulfshore Bancshares, to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of Gulfshore Bank, both 

of Tampa, Florida.

GULFSHORE BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

02/09/2010

Prior change in control notice filed by Marty E. 

Adams, Salineville, Ohio; Kevin T. Thompson, 

Saint Augustine, Florida; and John S. Loeber, 

Travelers Rest, South Carolina; to acquire 

control of Palm Bancorp, Inc., and its subsidiary 

bank, Palm Bank, both of Tampa, Florida.

PALM BANCORP, 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 Second Quarter of 2010 (April 1, 2010 - June 30, 2010)

Institution Location

1ST UNITED BK BOCA RATON, FLORIDA

BRAND BKG CO LAWRENCEVILLE, GEORGIA

COCONUT GROVE BK MIAMI, FLORIDA

COMMERCIAL BK HARROGATE, TENNESSEE

PALM BEACH CMNTY BK BOYNTON BEACH, FLORIDA

SUN AMER BK BOCA RATON, FLORIDA

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Carol O'Leary, Medford, Wisconsin, 

as an individual, and Carol O'Leary, Medford, 

Wisconsin, Tristar Printing Co., Inc., 

Abbotsford, Wisconsin, Kevin S. Flink and 

Kristine M. O'Leary, both of Abbotsford, 

Wisconsin, and Willis R. Whetstone, Medford, 

Wisconsin, as a group acting in concert to 

retain control of Central Wisconsin 

Bancorporation, Inc., Colby, Wisconsin, and 

thereby indirectly acquire Community Bank of 

Central Wisconsin, Colby, Wisconsin.

CENTRAL WISCONSIN 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A5 Not available

03/18/2010

Chemical Financial Corporation, Midland, 

Michigan, to acquire 100 percent of the voting 

shares of O.A.K. Financial Corporation, Byron 

Center, Michigan, and thereby indirectly acquire 

Byron Bank, Byron Center, Michigan.

CHEMICAL FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

03/08/2010

Ida Grove Bancshares, Inc., Ida Grove, Iowa, to 

retain the nonbanking activity of engaging de 

novo in leasing personal or real property.

IDA GROVE BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

M&I Marshall and Ilsley Bank, Milwaukee, 

Wisconsin, to merge with Southwest Bank, an 

M&I Bank, St. Louis, Missouri, and thereby to 

establish 17 branches.

M&I MARSHALL & ILSLEY 

BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Premier Commerce Bancorp, Inc., Palos Hills, 

Illinois, to become a bank holding company by 

acquiring 100 percent of the voting shares of 

G.R. Bancorp, Ltd., Grand Ridge, Illinois, and 

thereby indirectly acquire The First National 

Bank of Grand Ridge, Grand Ridge, Illinois.

Premier Commerce Bancorp, Inc.

Newspaper:

Federal Register:

CIC 02/28/2010

02/17/2010

Notice by Vernon R. Pfaff, individually, and as 

part of a group acting in concert with Barbara 

Ann Pfaff, both of Fairbury, Nebraska, to 

acquire over 10 percent of the outstanding 

shares of United Commerce Bancorp, 

Bloomington, Indiana, and thereby indirectly 

acquire control of United Commerce Bank, 

Bloomington, Indiana.

UNITED COMMERCE BANCORP

* 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 Second Quarter of 2010 (April 1, 2010 - June 30, 2010)

Institution Location

1ST SOURCE BK SOUTH BEND, INDIANA

AMERICAN T&SB DUBUQUE, IOWA

BANK OF OAKFIELD OAKFIELD, WISCONSIN

CEDAR RAPIDS B&TC CEDAR RAPIDS, IOWA

CENTRUE BK STREATOR, ILLINOIS

FIRST BK OF BERNE BERNE, INDIANA

FIRST CHICAGO B&T CHICAGO, ILLINOIS

FIRST ST BK MANCHESTER, IOWA

FIRST ST BK OF PORTER PORTER, INDIANA

FRIENDSHIP ST BK FRIENDSHIP, INDIANA

FRONTIER SVG BK COUNCIL BLUFFS, IOWA

JPMORGAN CHASE BK DEARBORN DEARBORN, MICHIGAN

LAPEER CTY B&TC LAPEER, MICHIGAN

M&I MARSHALL & ILSLEY BK MILWAUKEE, WISCONSIN

MARKESAN ST BK MARKESAN, WISCONSIN

NORTHERN TC CHICAGO, ILLINOIS

OREGON CMNTY B&TC OREGON, WISCONSIN

TITONKA SVG BK TITONKA, IOWA

TOWN BK HARTLAND, WISCONSIN

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

Federal Reserve Bank of Chicago

VILLA GROVE ST BK VILLA GROVE, ILLINOIS

WASHINGTON ST BK WASHINGTON, IOWA

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

Federal Reserve Bank of St. Louis

Filings received during the week ending February 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 Second Quarter of 2010 (April 1, 2010 - June 30, 2010)

Institution Location

BANK OF BUFFALO BUFFALO, KENTUCKY

BANK OF FAYETTEVILLE FAYETTEVILLE, ARKANSAS

BANK OF LA LOUISIANA, MISSOURI

CALLAWAY BK FULTON, MISSOURI

CROSS COUNTY BK WYNNE, ARKANSAS

FARMERS & MERCHANTS BK STUTTGART, ARKANSAS

FIRST ST BK OF DEQUEEN DEQUEEN, ARKANSAS

SIMMONS FIRST BK RUSSELLVILLE, ARKANSAS

SOUTHERN COMMERCIAL BK SAINT LOUIS, MISSOURI

STATE BK OF LIMA LIMA, ILLINOIS

TOWN & COUNTRY BK SALEM, MISSOURI

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending February 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 02/16/2010

02/16/2010

Change in Control Notice by Charles H. Burke 

III, Pierre, South Dakota, as an individual, to 

acquire 72 percent or more of the shares of 

South Dakota Bancshares Inc., Pierre, South 

Dakota, and thereby indirectly gain control of 

BankWest Inc., Pierre, South Dakota.

SOUTH DAKOTA 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 03/07/2010

03/10/2010

David Tychman, Seattle, Washington, 

individually and as trustee of eight 

Tychman/Sanders family trusts to retain 25 

percent or more of The Tysan Corporation, 

Minneapolis, Minnesota. The trustees of one or 

more of nine Tychman/Sanders family trusts; 

James Sanders, Plymouth, Minnesota, Deera 

Tychman, Edina, Minnesota, Judith Shapiro, 

Saint Louis Park, Minnesota, and David 

Tychman, Seattle, Washington, to join the 

Tychman/Sanders group which controls 25 

percent or more of The Tysan Corporation, 

Minneapolis, Minnesota, and includes 17 other 

Tychman/Sanders family trusts, and thereby 

indirectly retain 25 percent of Lake Community 

Bank, Long Lake, Minnesota, Pine Country 

Bank, Little Falls, Minnesota, and Blaine State 

Bank, Blaine, Minnesota.

TYSAN CORPORATION, THE

* 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 Second Quarter of 2010 (April 1, 2010 - June 30, 2010)

Institution Location

AMERICAN BK SAINT PAUL, MINNESOTA

BIG SKY WESTERN BK BOZEMAN, MONTANA

CLINTON ST BK CLINTON, MINNESOTA

COMMUNITY BK AUSTIN AUSTIN, MINNESOTA

COMMUNITY BK MISSOULA MISSOULA, MONTANA

FARMERS ST BK VICTOR, MONTANA

FIRST CITIZENS BK OF BUTTE BUTTE, MONTANA

FULTON ST BK FULTON, SOUTH DAKOTA

NORTH SHORE BK OF COMMERCE DULUTH, MINNESOTA

VALLEY BK GLASGOW GLASGOW, MONTANA

YELLOWSTONE BK LAUREL, MONTANA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending February 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

03/19/2010

Aslin Group, Inc, Mission Hills, Kansas; Aslin 

Opportunity Fund BK, LP, Cape Haze, Florida; 

and Aslin Capital I, LLC, Cape Haze, Florida; all 

to become bank holding companies through the 

acquisition of 100 percent of the voting shares 

of 1st Financial Bank, Overland Park, Kansas.

ASLIN GROUP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

03/09/2010

Cedar Bancorp, Hartington, Nebraska, to 

continue to engage in general insurance 

activities through the retention of Home Town 

Insurance Agency, Inc., Hartington, Nebraska.

CEDAR BANCORP

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Cornerstone Bank, York, Nebraska, to merge 02/04/2010

with Harvard State Bank, Harvard, Nebraska, 

and incident thereto to establish a branch, and 

to operate under the title of Cornerstone Bank, 

York, Nebraska.

CORNERSTONE BANK

Newspaper:

Federal Register:

CIC 02/18/2010

03/08/2010

Notice submitted by Donna M. Curry, trustee of 

the Galen L. Curry Marital Trust, and voting 

trustee of the Voting Trust Agreement, Piqua, 

Kansas, to retain control of My Anns 

Corporation, and thereby indirectly retain 

control of Piqua State Bank, both in Piqua, 

Kansas.

MY ANNS CORPORATION

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 508355 AMERISTATE BK, ATOKA, OKLAHOMA 11/02/2009 02/03/2010 S Small Bank

 385547 CITIZENS FARMERS BK COLE CAMP, COLE CAMP, MISSOURI 11/16/2009 02/03/2010 S Small Bank

 296456 FIRSTBANK, ANTLERS, OKLAHOMA 11/16/2009 02/04/2010 S Small Bank

 284154 FREEDOM BK OKLAHOMA, TULSA, OKLAHOMA 11/02/2009 02/12/2010 S Small Bank

 247551 HIGH PLAINS BK, FLAGLER, COLORADO 11/16/2009 02/08/2010 S Small Bank

 420653 VALLEY ST BK, SYRACUSE, KANSAS 11/02/2009 02/01/2010 S Small Bank

CRA Examinations scheduled for Second Quarter of 2010 (April 1, 2010 - June 30, 2010)

Institution Location

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

Federal Reserve Bank of Dallas

Filings received during the week ending February 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 03/10/2010

03/18/2010

Bank4Texas Holdings, Inc., Tomball, Texas, to 

become a bank holding company by acquiring 

100 percent of Northern Bancshares, Inc., 

Chillicothe, Texas, and indirectly acquire The 

First National Bank of Chillicothe, Chillicothe, 

Texas.

BANK4TEXAS HOLDINGS, INC.

Newspaper:

Federal Register:

CIC 02/19/2010

02/02/2010

Notice by Capital Z Partners III GP, LTD, George 

Town, Cayman Islands; Capital Z Partners III 

GP, L.P., George Town, Cayman Islands; Capital 

Z Partners Management, LLC, Dover, Delaware; 

Capital Z Partners III, L.P., George Town, 

Cayman Islands; and Bradley E. Cooper, New 

York, New York and Robert A. Spass, New York, 

New York, as principals, to acquire 10 percent or 

more of the shares of Opportunity Bancshares, 

Inc., Bettendorf, Iowa. Opportunity 

Bancshares, Inc. controls Opportunity Bank, 

N.A., Richardson, Texas.

OPPORTUNITY BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Southwest Bank, Fort Worth, Texas, to 02/18/2010

establish a branch to be located at 901 South 

MoPac Expressway, Building 3, Suite 120, 

Austin, Texas 78746.

SOUTHWEST BANK

Newspaper:

Federal Register:

* 3A1 Not available

03/22/2010

Texas State Bankshares, Inc., Harlingen, Texas, 

to become a bank holding company by 

acquiring 100% of the common stock of 

Falfurrias State Bank, Falfurrias, Texas.

TEXAS STATE BANKSHARES, 

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 Second Quarter of 2010 (April 1, 2010 - June 30, 2010)

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 February 20, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/29/2010

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund, L.P., Carpenter Community 

Bancfund-A, LP, Carpenter Community 

Bancfund-CA, L.P., SCJ, Inc., and CCFW, Inc., 

all of Irvine, California, to acquire up to 87 

percent of the outstanding voting shares of 

Mission Community Bancorp and thereby 

indirectly acquire a greater controlling interest 

in Mission Community Bank, both of San Luis 

Obispo, California; and 2) Mission Community 

Bancorp and Mission Community Bank, both of 

San Luis Obispo, California, to appoint Stephen 

P. Yost as a director of both Bancorp and Bank.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

CIC Not available

Not available

Park Randal Roney, Mapleton, Utah, Blake 

Marshal Roney, Provo, Utah, Robert Tod 

Monsen, Mapleton, Utah, and Steven Jay Lund, 

of Provo, Utah, to acquire 25 percent or more of 

the shares and thereby control of Community 

Bancorporation, Pleasant Grove, Utah, and 

thereby indirectly control Western Community 

Bank, Orem, Utah.

COMMUNITY 

BANCORPORATION

Newspaper:

Federal Register:

CIC Not available

02/08/2010

Charles W. Reinking, Santa Rosa, California, to 

become co-Trustee of the Frank P. Doyle Trust, 

Article IX, which retains voting control of 

Exchange Bank, both of Santa Rosa, California.

FRANK P. DOYLE TRUST, 

ARTICLE IX

Newspaper:

Federal Register:

* 3A1 Not available

12/07/2009

Golden Pacific Bancorp, Inc., Sacramento, 

California, to become a Bank Holding Company 

by acquiring 100 percent of the voting stock of 

Gold Country Financial Services, Inc., and 

indirectly its subsidiary, Gold Country 

Bank,National Association, both of Marysville, 

California.

GOLDEN PACIFIC BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

03/18/2010

Green Dot Corporation, Monrovia, California, to 

become a bank holding company by acquiring 

100 percent of Bonneville Bancorp, and thereby 

indirectly acquiring 100 percent of Bonneville 

Bank, both of Provo, Utah.

GREEN DOT CORPORATION

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Land Bank of Taiwan Co., Ltd., Taipei, Taiwan, 

to establish a New York branch office pursuant 

to section 211.24(a)(2)(i)(A) of Regulation K.

LAND BANK OF TAIWAN

* 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 Second Quarter of 2010 (April 1, 2010 - June 30, 2010)

Institution Location

CAPITAL BK SAN JUAN CAPISTRANO, CALIFORNIA

IDAHO BKG CO BOISE, IDAHO

LIBERTY BK SOUTH SAN FRANCISCO, CALIFORNIA

NORTH VALLEY BK REDDING, CALIFORNIA

SANTA LUCIA BK ATASCADERO, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act