Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 42 

Week Ending October 16, 2010

Board of Governors of the Federal Reserve System, Washington, DC 20551
Regulations and Policies

Privacy Act -- final amendments to the Board's Privacy Act regulation.

- Approved, October 4, 2010

(A/C)

Enforcement

Gregg Bancshares, Inc., Springfield, Missouri -- written agreement with the Federal 

Reserve Bank of Kansas City.

- Announced, October 14, 2010

Investors Financial Corporation of Pettis County, Inc., Sedalia, Missouri -- written 

agreement with the Federal Reserve Bank of Kansas City.

- Announced, October 14, 2010

H.2 Board Actions October 10, 2010 to October 16, 2010

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSD Office of Staff Director

October 10, 2010 to October 16, 2010

Bank Branches, Domestic

Heartland Community Bank, Bryant, Arkansas -- to establish a branch at 

5100 Kavanaugh Boulevard, Little Rock.

St. Louis

- Approved, October 14, 2010

Bank Holding Companies

CapGen Capital Group IV LLC, New York, New York, and CapGen Capital Group 

IV LP -- to become bank holding companies and to acquire shares of Jacksonville 

Bancorp, Jacksonville, Florida, and indirectly acquire The Jacksonville Bank.

Richmond

- Approved, October 14, 2010

Charles Investment Group, LLC, Birmingham, Alabama -- to become a bank holding 

company and to acquire shares of Americus Financial Services, Inc., Birmingham, 

and its subsidiary bank, Red Mountain Bank, N.A.

Atlanta

- Approved, October 14, 2010

First Citizens Bancshares, Inc., Raleigh, North Carolina -- waiver of application with 

respect to IronStone Bank, Fort Myers, Florida, in connection with the merger of 

IronStone Bank and First-Citizens Bank & Trust Company, Raleigh, North Carolina.

Richmond

- Granted, October 15, 2010

(A/C) = Addition or Correction Delegated - 1 of 6
Bank Holding Companies

First Financial Bankshares, Inc., Abilene, Texas -- to acquire Sam Houston Financial 

Corp., Huntsville, and indirectly acquire First State Bank.

Dallas

- Approved, October 15, 2010

First Southern Bancshares, Inc., Batesville, Arkansas -- to become a bank holding 

company and to acquire First Southern Bank, Batesville.

St. Louis

- Withdrawn, October 14, 2010

The Goldman Sachs Group, Inc., New York, New York -- request for an exemption 

under the Depository Institution Management Interlocks Act and Regulation L.

General Counsel

- Granted, October 14, 2010

Jacksonville Bancorp, Inc., Jacksonville, Florida -- to acquire Atlantic BancGroup, 

Inc., Jacksonville Beach, and indirectly acquire Oceanside Bank.

Richmond

- Approved, October 14, 2010

Kearny MHC, Kearny, New Jersey, and Kearny Financial Corporation -- waiver of 

application for the temporary acquisition of Central Jersey Bank, N.A., Oakhurst, in 

connection with the merger of Central Jersey Bank with Kearny's subsidiary thrift, 

Kearny Federal Savings Bank, Kearny.

New York

- Granted, October 12, 2010

H.2 Actions under delegated authority October 10, 2010 to October 16, 2010

(A/C) = Addition or Correction Delegated - 2 of 6
Bank Holding Companies

Sugar River Bancorp, MHC, Newport, New Hampshire -- to become a mutual bank 

holding company and to acquire Sugar River Bank, Newport.

Boston

- Approved, October 15, 2010

Treetops Acquisition Group LP, Treetops Acquisition Group II LP, Treetops 

Acquisition Group Ltd., Treetops Acquisition Group II Ltd., CAM Discount Ltd., 

and the Edgar M. Bronfman IDB Trusts A-G (all organized under the laws of the 

Cayman Islands), New York, New York -- to acquire additional shares of Israel 

Discount Bank, Ltd., Tel Aviv, Israel, and thereby indirectly acquire additional 

shares of Discount Bancorp Inc., New York, New York, and Israel Discount Bank of 

New York.

New York

- Approved, October 15, 2010

Verus Acquisition Group, Inc., Fort Collins, Colorado -- to become a bank holding 

company and to acquire shares of Fort Collins Commerce Bank, Fort Collins; 

Larimer Bank of Commerce; and Loveland Bank of Commerce, Loveland.

Kansas City

- Approved, October 14, 2010

Bank Mergers

Arvest Bank, Fayetteville, Arkansas -- to purchase the assets and assume the 

liabilities of Hillcrest Bank, Overland Park, Kansas, and to retain the acquired 

facilities as branches.

St. Louis

- Withdrawn, October 11, 2010

H.2 Actions under delegated authority October 10, 2010 to October 16, 2010

(A/C) = Addition or Correction Delegated - 3 of 6
Bank Mergers

Midland States Bank, Effingham, Illinois -- to purchase the assets and assume the 

liabilities of Westbridge Bank & Trust Company, Chesterfield, Missouri, and to 

retain the acquired facility as a branch.

St. Louis

- Approved, October 15, 2010

Providence Bank, Columbia, Missouri -- to purchase the assets and assume the 

deposit liabilities of Premier Bank, Jefferson City, and to retain the acquired facilities 

as branches.

St. Louis

- Approved, October 15, 2010

Change in Bank Control

Alliance Bank Shares Corporation, Andover, Minnesota -- change in bank control of 

Alliance and its subsidiary bank, 1st Regents Bank, Andover.

Minneapolis

- Permitted, October 15, 2010

American Bancorporation of Minnesota, Inc., Brainerd, Minnesota -- to retain control 

of American Bancorporation and its subsidiary bank, American National Bank of 

Minnesota, Baxter.

Minneapolis

- Permitted, October 15, 2010

Branson Bancshares, Inc., Branson, Missouri -- to retain control of Branson 

Bancshares and its subsidiary bank, Branson Bank, Branson.

St. Louis

- Permitted, October 14, 2010

H.2 Actions under delegated authority October 10, 2010 to October 16, 2010

(A/C) = Addition or Correction Delegated - 4 of 6
Change in Bank Control

Florida Business Bancgroup, Inc., Tampa, Florida -- change in bank control of 

Florida Business and its subsidiary bank, Bay Cities Bank, Tampa.

Philadelphia

- Permitted, October 15, 2010

Smith Associated Banking Corporation, Hot Springs, Arkansas -- change in bank 

control of Smith and its subsidiary banks, Bank of Salem, Salem, and Security Bank, 

Stephens.

St. Louis

- Permitted, October 4, 2010

(A/C)

Extensions of Time

Arvest Bank, Fayetteville, Arkansas -- extension to April 21, 2011, to establish a 

branch at the corner of Highway 277 & A Street, Elgin, Oklahoma.

St. Louis

- Granted, October 15, 2010

Community Bank Partners, Inc., Denver, Colorado -- extension to December 14, 

2010, to become a bank holding company and to acquire The Palisades National 

Bank, Palisade.

Kansas City

- Granted, October 12, 2010

First Southern Bancorp, Inc., Stanford, Kentucky -- extension to January 16, 2011, to 

acquire shares of CKF Bancorp, Inc., Danville, and thereby indirectly acquire an 

interest in Central Kentucky Federal Savings Bank.

Cleveland

- Granted, October 15, 2010

H.2 Actions under delegated authority October 10, 2010 to October 16, 2010

(A/C) = Addition or Correction Delegated - 5 of 6
International Operations

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

make an additional investment in Citigroup Japan Holdings Corporation, Tokyo, 

Japan, as part of a reorganization of Citigroup's Japanese operations.

Director, BS&R

- Granted, October 14, 2010

Membership

AltaPacific Bank, Santa Rosa, California -- to become a member of the Federal 

Reserve System.

San Francisco

- Approved, October 15, 2010

Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on September 21, 2010.

 FOMC

- Published, October 12, 2010

H.2 Actions under delegated authority October 10, 2010 to October 16, 2010

(A/C) = Addition or Correction Delegated - 6 of 6
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending October 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

10/22/2010

Rockville Financial, Rockville, Connecticut, to 

acquire 100% of the outstanding capital stock of 

Rockville Bank, Rockville, Connecticut pursuant 

to section 3(a)(1) of the BHC Act in connection 

with the reorganization of Rockville Financial, 

MHC, Rockville, Connecticut, from mutual to 

stock form.

ROCKVILLE FINANCIAL, INC.

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending October 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Agricultural Bank of China Limited, Beijing, 

China to upgrade its New York representative 

office to a branch office pursuant to Section 

211.24(a)(1) of Regulation K.

AGRICULTURAL BANK OF 

CHINA, THE

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Banco Popular North America, New York, New 

York request to open a branch office to be 

located at 8160 East Santa Ana Canyon Road 

#184, Anaheim, California.

BANCO POPULAR NORTH 

AMERICA

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A., Las Vegas, Nevada, and Citibank 

Overseas Investment Corporation, New Castle,

Delaware, pursuant to Section 211.9(f) of 

Regulation K, to make an additional investment 

in Citifin S.A. E.F.C., Madrid, Spain.

CITIBANK, N.A.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A., Las Vegas, Nevada, and Citibank 

Overseas Investment Corporation, New Castle, 

Delaware, pursuant to Section 211.9(f) of 

Regulation K, to make an additional investment 

in Citibank International plc, London, England.

CITIBANK, N.A.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

UBS AG, Zurich, Switzerland to establish two 

limited branches located at (1) 499 Washington 

Blvd., Jersey City, New Jersey and (2) 3325 

Perimeter Hill Drive, Nashville, Tennessee, 

pursuant to Section 211.24(a)(2)(i)(A) of 

Regulation K.

UBS AG

* 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

 176101 ORANGE CTY TC, MIDDLETOWN, NEW YORK 02/22/2010 10/12/2010 S Small Bank

 722816 SOLVAY BK, SOLVAY, NEW YORK 11/30/2009 10/04/2010 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending October 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending October 16, 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 Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending October 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Mr. William Lee Hale and the William Lee Hale 

Trust, both of Bland, Virginia, acting in concert 

to retain control 20.86% of the voting shares of 

First Regions Bancshares, Inc., Richlands, 

Virginia.

FIRST REGION BANCSHARES, 

INC.

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 697978 COMMUNITY BK OF TRI-CTY, WALDORF, MARYLAND 06/28/2010 09/30/2010 S Large Bank

 2718345 MONARCH BK, CHESAPEAKE, VIRGINIA 05/10/2010 10/06/2010 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending October 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 10/28/2010

10/28/2010

Prior change in control notice filed by Stuart 

and Teresa Gibson, both of Canton, Georgia, to 

acquire 55.80 percent of the outstanding shares 

of First Cherokee Bancshares, Inc., and its 

subsidiary, First Cherokee State Bank, both of 

Woodstock, Georgia. Pro forma total ownership 

will equal 59.98 percent.

FIRST CHEROKEE 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

10/18/2010

Prior change in control notice filed by Camp 

QFP, L.L.L.P., Atlanta, Georgia, and its general 

partners, Mary L. Camp and Lovell E. Camp, 

both of Atlanta, Georgia, to acquire 17.98 

percent of the outstanding shares of FMCB 

Holdings, Inc., and its subsidiary, First Choice 

Community Bank, both of Dallas, Georgia.

FMCB HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A1 11/14/2010

10/29/2010

PFGBI, LLC, McDonough, Georgia, to become a 

bank holding company by acquiring 

approximately 50.8 percent of the outstanding 

shares of Montgomery County Bankshares, 

Inc., and its subsidiary, Montgomery Bank & 

Trust, both of Ailey, Georgia.

PFGBI, LLC

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/02/2010

10/26/2010

Notice by the OJT Irrevocable Trust, dated 

9/20/10, and Robert A. Clemente, Bloomfield, 

Michigan, as trustee of the trust, to acquire 

more than 25 percent of the voting shares of 

Clarkston Financial Corporation, Waterford, 

Michigan, and thereby indirectly acquire control 

of Clarkston State Bank, Clarkston, Michigan.

CLARKSTON FINANCIAL 

CORPORATION

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:

* 3A3 Not available

11/12/2010

First State Associates, Inc., Hawarden, Iowa, to 

acquire 100 percent of Farmers State Holding 

Company, Marion, South Dakota, and thereby 

indirectly acquire Farmers State Bank, Marion, 

South Dakota.

FIRST STATE ASSOCIATES, 

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Fort Madison Bank & Trust Co., Fort Madison, 

Iowa, to purchase certain assets and assume 

certain liabilities of the Burlington, Iowa branch 

of Valley Bank, Moline, Illinois; and to establish 

a branch at 3140 Agency Street, Suite 100, 

Burlington, Iowa.

FORT MADISON BANK & 

TRUST CO.

Newspaper:

Federal Register:

* 3A5

* 18C

* Branch

10/14/2010

10/04/2010

Hometown Community Bancorp, Inc., and 

Hometown Community Bancorp, Inc. Employee 

Stock Ownership Plan and Trust, both located 

in Morton, Illinois, to merge with CSBC 

Financial Corporation, Cropsey, Illinois, and 

thereby indirectly acquire Citizens State Bank of 

Cropsey, Cropsey, Illinois, and by Morton 

Community Bank, Morton, Illinois, to merge 

with Citizens State Bank of Cropsey, Cropsey, 

Illinois, and thereby to establish two branches.

HOMETOWN COMMUNITY 

BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Independent Bank, Ionia, Michigan, to establish 10/15/2010

a branch facility to be located at the following 

locations: 800 Washington Avenue, Bay City, 

Michigan, 12 Washington Street, Suite 250, 

Grand Haven, Michigan, and 6 East Main Street, 

Freemont, Michigan.

INDEPENDENT BANK

Newspaper:

Federal Register:

* 3A3 Not available

10/28/2010

Rigler Investment Co., New Hampton, Iowa, to 

acquire 100 percent of State Bank & Trust 

Company, Waverly, Iowa.

RIGLER INVESTMENT CO.

Newspaper:

Federal Register:

* 3A1 Not available

10/04/2010

Zaring Group Holdings LLC., Riverwoods, 

Illinois, to become a bank holding company by 

acquiring 75.1 percent of the voting shares of 

First Suburban Bancorp Corporation, 

Maywood, Illinois, and thereby indirectly 

acquire First Suburban National Bank, 

Maywood, Illinois.

ZARING GROUP HOLDINGS LLC

* 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

 2856939 FRONTIER SVG BK, COUNCIL BLUFFS, IOWA 06/28/2010 10/12/2010 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 October 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

11/15/2010

German American Bancorp, Inc., Jasper, Indiana, 

to merge with American Community Bancorp, 

Inc., Evansville, Indiana, and thereby indirectly 

acquire Bank of Evansville, Evansville, Indiana.

GERMAN AMERICAN 

BANCORP, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

The Missouri Bank, Warrenton, Missouri, to 11/15/2010

merge with Bay-Herman-Berger Bank, Hermann, 

Missouri, and to retain the acquired facilities as 

branch offices.

MISSOURI BANK, THE

Newspaper:

Federal Register:

* 3A5 11/13/2010

11/15/2010

Old National Bancorp, Evansville, Indiana, to 

merge with Monroe Bancorp, Bloomington, 

Indiana, and thereby indirectly acquire Monroe 

Bank, Bloomington, Indiana.

OLD NATIONAL BANCORP

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Piggott State Bank, Piggott, Arkansas, to 

become a member of the Federal Reserve 

System.

PIGGOTT STATE BANK

* 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

 825940 BANK OF BUFFALO, BUFFALO, KENTUCKY 07/19/2010 10/08/2010 S Small Bank

 989347 CROSS COUNTY BK, WYNNE, ARKANSAS 06/07/2010 09/27/2010 S Small Bank

 677644 FARMERS & MERCHANTS BK, STUTTGART, ARKANSAS 06/21/2010 10/05/2010 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending October 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Frandsen Financial Corporation, Arden Hills, 

Minnesota, to acquire 100 percent of Island 

Financial Corporation, Bird Island, Minnesota, 

and thereby indirectly acquire State Bank of 

Bird Island, Bird Island, Minnesota.

FRANDSEN FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

10/28/2010

Robert A. Engen and Beverly J. Engen, both of 

Tolna, North Dakota, individually and as part of 

a group acting in concert with Steven R. Engen, 

Bismarck, North Dakota, to retain and acquire 25 

percent or more of the shares of Tolna Bancorp, 

Inc., Tolna, North Dakota, and thereby 

indirectly retain and acquire control of The 

Farmers & Merchants State Bank of Tolna, 

Tolna, North Dakota.

TOLNA 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 Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending October 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

11/05/2010

Central Agency, Inc., Lincoln, Nebraska, to 

become a bank holding company through the 

acquisition of 31.7354 percent of the voting 

shares of Farm & Home Insurance Agency, Inc., 

parent of First National Bank Northeast, both in 

Lyons, Nebraska. Central Agency, Inc., Lincoln, 

Nebraska, elects to become a financial holding 

company.

CENTRAL AGENCY, 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

 522959 MONTROSEBANK, MONTROSE, COLORADO 07/12/2010 10/07/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending October 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

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:

CIC 10/26/2010

10/22/2010

Notice by Cecil R. Simmons, San Benito, Texas, 

individually; Cecil R. Simmons, San Benito, 

Texas, Leonard P. Simmons, San Benito, Texas, 

Anita Simmons Boswell, Harlingen, Texas, 

Michael Scott, Raymondville, Texas, Wilson B. 

Fry, San Benito, Texas, Francisco Loya, 

Harlingen, Texas, and Frank E. Russell (the 

"Director Group"); Cecil R. Simmons and Juana 

L. Simmons, San Benito, Texas, Anita Simmons 

Boswell, Harlingen, Texas, Sarah Simmons 

Hays, Evergreen, Colorado, and Dolores 

Simmons, San Benito, Texas (the "Cecil 

Simmons Family Group"); and Leonard P. 

Simmons and Mary Beth Simmons, San Benito, 

Texas, Delores M. Simmons, San Benito, Texas, 

Ricardo D. Leal, Harlingen, Texas, Audrey 

Simmons Hooks, Austin, Texas, Samuel E. 

Simmons, Harlingen, Texas, and Ernest G. Nash, 

III, Harlingen, Texas (the "Leonard Simmons 

Family Group")(collectively the "Notificants") 

to acquire 25 percent or more of the shares and 

thereby control of First San Benito Bancshares 

Corporation, San Benito, Texas, and indirectly 

acquire First Community Bank, National 

Association, San Benito, Texas.

FIRST SAN BENITO 

BANCSHARES CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

4c8 10/28/2010

Woodforest Financial Group Employee Stock 

Ownership Plan (with 401(k)Provisions) 

(Amended and Restated Effective March 1, 

2006) and the related Woodforest Financial 

Group Employee Stock Ownership Trust, The 

Woodlands, Texas, collectively the Applicant, 

to become a bank holding company by 

acquiring up to 30 percent of Woodforest 

Financial Group, Inc., The Woodlands, Texas, 

and indirectly acquire Woodforest National 

Bank, Houston, Texas.

Woodforest Financial Group Employee Stock 

Ownership Plan (with 401(k)Provisions) 

(Amended and Restated Effective March 1, 

2006) and the related Woodforest Financial 

Group Employee Stock Ownership Trust, The 

Woodlands, Texas, collectively the Notificant, 

to acquire a savings association pursuant to 

Section 225.28(b)(4)(ii) of Regulation Y through 

Woodforest Financial Group, Inc., The 

Woodlands, Texas, and indirectly Woodforest 

Bank, FSB, Refugio, Texas.

WOODFOREST FINANCIAL 

GROUP EMPLOYEE STOCK 

OWNERSHIP PLAN (WITH 

401(K) PROVISIONS) (AMENDED 

AND RESTATED EFF. 03/01/06)

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending October 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/15/2010

Anchor Bancorp, Inc., Lacey, Washington, to 

become a bank holding company by acquiring 

100 percent of Anchor Mutual Savings Bank, 

Aberdeen, Washington, upon conversion from 

a mutual savings bank to a stock savings bank.

ANCHOR BANCORP, INC.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act