Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 27 

Week Ending July 4, 2009

Board of Governors of the Federal Reserve System, Washington, DC 20551
Forms

Forms -- initial Board review to extend without revision the Reports of Deposits (FR 

2900, FR 2910a, FR 2915, and FR 2930) and to implement the Supervisory and 

Regulatory Survey (FR 3052) and the Consumer Protection Surveys (FR 3053).

- Proposed, June 29, 2009

Monetary and Financial Policy

Term Asset-Backed Securities Loan Facility -- proposed increase in the 

administrative fee charged to TALF borrowers.

- Approved, June 30, 2009

Term Auction Facility -- TAF auction in the amount of $150 billion in 28-day credit 

on June 29, 2009.

- Announced, June 29, 2009

Regulations and Policies

Host-State Lending Ratios -- interagency release of the host-state loan-to-deposit 

ratios used by the banking agencies to determine compliance with the Riegle-Neal 

Interstate Banking and Branching Efficiency Act.

- Published, June 29, 2009

Liquidity Risk Management -- publication for comment of interagency guidance on 

funding and liquidity risk management to communicate consistent supervisory 

expectations on sound practices for managing funding and liquidity risk.

- Approved, June 29, 2009

H.2 Board Actions June 28, 2009 to July 4, 2009

(A/C) = Addition or Correction Board - Page 1 of 2
Regulations and Policies

Regulation V (Fair Credit Reporting) -- (1) interagency final rules to require entities 

that furnish information to consumer reporting agencies (furnishers) to establish 

policies and procedures to ensure the accuracy and integrity of the information and to 

investigate certain disputes by consumers and (2) advance notice of proposed 

rulemaking requesting comment on a possible addendum to the final rules regarding 

circumstances under which furnishers should provide certain additional information.

- Approved, May 29, 2009

(A/C)

Enforcement

AMCORE Financial, Inc., Rockford, Illinois -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, June 30, 2009

First DuPage Bancorp, Inc., Westmont, Illinois -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, July 2, 2009

H.2 Board Actions June 28, 2009 to July 4, 2009

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

June 28, 2009 to July 4, 2009

Bank Branches, Domestic

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 5621 North Classen 

Boulevard, Oklahoma City, Oklahoma.

St. Louis

- Approved, June 29, 2009

CapStar Bank, Nashville, Tennessee -- to establish a branch at 2321 Crestmoor Road, 

Nashville.

Atlanta

- Approved, June 29, 2009

The Commercial & Savings Bank of Millersburg, Millersburg, Ohio -- to establish a 

branch at 330 West High Street, Orrville.

Cleveland

- Approved, July 2, 2009

First Chicago Bank & Trust, Chicago, Illinois -- to establish a branch at 1145 North 

Arlington Heights Road, Itasca.

Chicago

- Approved, July 3, 2009

First State Bank Southwest, Pipestone, Minnesota -- to establish a branch at 505 

Trosky Road West, Edgerton.

Minneapolis

- Approved, June 29, 2009

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

C & M Bancshares, Inc., Cameron, Missouri -- to become a bank holding company 

and to acquire Missouri Federal Savings Bank, Cameron, to be known as 1st 

Cameron State Bank.

Kansas City

- Approved, June 29, 2009

Franklin Resources, Inc., San Mateo, California -- to acquire an interest in Black 

River BancVenture, Inc., Memphis, Tennessee, and thereby indirectly acquire 

Allegiance Bank of North America, Bala Cynwyd, Pennsylvania; Bay Commercial 

Bank, Walnut Creek, California; Community Shores Bank, Muskegon, Michigan; 

Cornerstone Bank, Moorestown, New Jersey; Lakeside Community Bank, Sterling 

Heights, Michigan; and Quaint Oak Bank, Southhampton, Pennsylvania.

San Francisco

- Approved, July 2, 2009

Hulett Bancorp, Hulett, Wyoming -- to acquire The First National Bank of Ekalaka, 

Ekalaka, Montana.

Kansas City

- Withdrawn, July 2, 2009

Iowa River Bancorp, Inc., Tama, Iowa -- to become a bank holding company and to 

acquire Pinnacle Bank, Marshalltown.

Chicago

- Approved, July 1, 2009

Paint Rock Bancshares, Inc., Paint Rock, Texas -- to become a bank holding 

company and to acquire First State Bank, Paint Rock.

Dallas

- Approved, July 1, 2009

H.2 Actions under delegated authority June 28, 2009 to July 4, 2009

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

Wilber Co., Lincoln, Nebraska -- waiver of application to acquire FICO, Inc., Filley, 

in connection with the merger of their respective subsidiary banks, First State Bank, 

Lincoln, and Filley Bank, Filley.

Kansas City

- Withdrawn, July 3, 2009

Bank Mergers

Cedar Rapids Bank and Trust Company, Cedar Rapids, Iowa -- to purchase certain 

assets and assume certain liabilities of Village Bank and Trust Company, Cedar 

Rapids.

Chicago

- Approved, June 29, 2009

Change in Bank Control

Alpine Banks of Colorado, Glenwood Springs, Colorado -- to retain control of Alpine 

Banks and its subsidiary bank, Alpine Bank, Glenwood Springs.

Kansas City

- Permitted, July 3, 2009

Panhandle Bancshares, Inc., Guymon, Oklahoma -- change in bank control of 

Panhandle and its subsidiary bank, Bank of the Panhandle, Guymon.

Kansas City

- Permitted, June 30, 2009

H.2 Actions under delegated authority June 28, 2009 to July 4, 2009

(A/C) = Addition or Correction Delegated - 3 of 4
Extensions of Time

Hometown Bankshares Corporation, Roanoke, Virginia -- extension to October 7, 

2009, to become a bank holding company and to acquire HomeTown Bank, 

Roanoke.

Richmond

- Granted, July 2, 2009

Minier Financial, Inc. Employee Stock Ownership Plan with 401(k) Provisions, 

Minier, Illinois -- extension to October 20, 2009, to increase its ownership of Minier 

Financial, Inc., Minier, and thereby increase its indirect ownership of Minier's 

subsidiary bank, First Farmers State Bank.

Chicago

- Granted, July 2, 2009

H.2 Actions under delegated authority June 28, 2009 to July 4, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending July 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 07/27/2009

Application by Conahasset Bancshares, MHC, 

and Conahasset Bancshares, Inc., both of 

Cohasset, Massachusetts, to become a mutual 

bank holding company and stock bank holding 

company, respectively, by acquiring Pilgrim 

Bank, Cohasset, Massachusetts, pursuant to 

sections 3(a)(1) and 3(a)(3) of the Bank Holding 

Company Act of 1956, as amended.

CONAHASSET BANCSHARES 

MHC

Newspaper:

Federal Register:

* 3A1

4c8 Not available

Application filed by NewStar Holdco, Boston, 07/10/2009

Massachusetts (HoldCo) to become a bank 

holding company through the acquisition of 

100% of the outstanding common stock of 

Southern Commerce Bank, National 

Association, Tampa, Florida, pursuant to 

section 3(a)(1) of the Bank Holding Company 

Act of 1956, as amended (BHC Act). 

Concurrently, HoldCo seeks approval to: i) 

continue to operate NewStar Financial, Inc. as 

an existing commercial finance company; and ii) 

establish NewStar Asset Management, LLC to 

provide asset management services to NewStar 

Credit Opportunities Fund, both pursuant to 

section 4(c)(8) of the BHC Act.

NEWSTAR HOLDCO 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 July 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

The Adirondack Trust Company, Saratoga 

Springs, New York, requests approval to 

establish a full service branch at 376 Bay Road, 

Queensbury, Warren County, New York. (RSSD 

#3797990)

ADIRONDACK TRUST 

COMPANY, THE

Newspaper:

Federal Register:

* 3A1 Not available

07/31/2009

Haven Bancorp, MHC and Haven Bancorp, Inc., 

both of Hoboken, New Jersey, for prior approval 

from the Board of Governors of the Federal 

Reserve System to control, directly and 

indirectly, 100 percent of the voting shares of 

Haven Savings Bank, Hoboken, New Jersey.

Haven Bancorp, MHC

* 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 July 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Susquehanna Bank, Lititz, PA proposes to 07/08/2009

establish a branch office located at 1635 Market 

Street, Philadelphia, PA, pursuant to Section 9 

of the FRA.

SUSQUEHANNA BANK

* 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 July 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 07/26/2009

07/27/2009

Application by The PNC Financial Services 

Group, Inc., Pittsburgh, Pennsylvania to acquire 

up to the lesser of $75 million or 5.4 percent of 

the common shares of First Niagara Financial 

Group, Lockport, New York (a thrift holding 

company), pursuant to section 4(c)(8) of the 

Bank Holding Company Act

PNC FINANCIAL SERVICES 

GROUP, INC., THE

* 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

 2552099 MADISON BK, RICHMOND, KENTUCKY 02/02/2009 06/18/2009 S Small Bank

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 July 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

07/30/2009

Eastern Virginia Bankshares, Inc., 

Tappahannock, Virginia, to acquire 100% of the 

voting securities of First Capital Bancorp, Inc., 

Glen Allen, Virginia, and thereby indirectly 

acquire First Capital Bank, Glen Allen, Virginia.

EASTERN VIRGINIA 

BANKSHARES, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Sonabank, McLean, Virginia, to acquire certain 07/24/2009

assets and assume certain liabilities of the 

Warrenton, Virginia, branch of Millennium 

Bank, N.A., Reston, Virginia.

SONABANK

* 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

 3205909 COLONIAL VA BK, GLOUCESTER, VIRGINIA 01/12/2009 05/07/2009 S Small 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 July 4, 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 July 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

07/10/2009

Van Financial Corp., Breda, Iowa, to become a 

bank holding company by acquiring at least 80 

percent of Breda Savings Bank, Breda, Iowa.

VAN FINANCIAL CORP

* 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 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 July 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Southeast Financial Bankstock Corporation, 

McGehee, Arkansas, to engage in lending 

activities.

MCGEHEE BANK EMPLOYEE 

STOCK OWNERSHIP PLAN THE

* 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

 941541 PEOPLES BK OF ALTENBURG, ALTENBURG, MISSOURI 03/09/2009 06/15/2009 S Small 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 July 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch

* 18C

* Branch

Not applicable

First Interstate Bank, Billings, Montana, to 

merge with First Western Bank, Wall, South 

Dakota, and The First Western Bank Sturgis, 

Sturgis, South Dakota, and incident thereto, 

proposes to establish 15 branches.

FIRST INTERSTATE BANK

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Norlo Inc., Prior Lake, Minnesota, proposes to 

engage, de novo, in lending activities.

NORLO, 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

 2631172 STATE BK FNCL, LA CROSSE, WISCONSIN 02/17/2009 05/22/2009 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending July 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 07/31/2009

07/27/2009

Cache Holdings, Inc., Tulsa, Oklahoma, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Healthcare Bancorp, Inc., parent of First 

BankCentre, both in Broken Arrow, Oklahoma.

CACHE HOLDINGS, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Canadian State Bank, Yukon, Oklahoma, to 

establish a branch at 620 East State Highway 

152, Mustang, Oklahoma.

CANADIAN STATE BANK

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Craco, Inc., Vinita, Oklahoma, proposes to 

engage in lending activities.

CRACO, INC.

Newspaper:

Federal Register:

CIC Not available

07/13/2009

Notice submitted by David Carpenter, Chandler, 

Oklahoma, as trustee of the Lynda L. Cameron 

2005 Family Trust, the William M. Cameron 2004 

Family Trust, and the Lynda L. Cameron Trust 

B, to acquire control of First Fidelity Bancorp, 

Inc., Oklahoma City, Oklahoma, and thereby 

indirectly acquire control of First Fidelity Bank, 

N.A., Oklahoma City, Oklahoma.

FIRST FIDELITY BANCORP, INC.

Newspaper:

Federal Register:

CIC 07/07/2009

07/07/2009

Notice submitted by B. Dirk Bagenstos and 

Lesley D. Bagenstos, Cherokee, Oklahoma, to 

acquire control of First Keyes Bancshares, Inc., 

parent of The First State Bank, both of Keyes, 

Oklahoma.

FIRST KEYES 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

 517357 CITIZENS BK OKLAHOMA, PAWHUSKA, OKLAHOMA 03/09/2009 06/09/2009 S Small Bank

 386450 FIVE POINTS BK, HASTINGS, NEBRASKA 03/03/2009 06/09/2009 S Small Bank

 3660478 PRIME BK, EDMOND, OKLAHOMA 03/16/2009 06/15/2009 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 July 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/02/2009

07/30/2009

A.N.B. Holding Company, Ltd., Terrell, Texas, to 

acquire additional shares up to 35% of The 

ANB Corporation, Terrell, Texas, and indirectly 

acquire The American National Bank, Terrell, 

Texas; Lakeside Bancshares, Inc., Rockwall, 

Texas; and Lakeside National Bank, Rockwall, 

Texas.

A.N.B. HOLDING COMPANY, 

LTD.

Newspaper:

Federal Register:

* 3A1 Not available

07/20/2009

Austin Bancshares, Inc., Austin, Texas, to 

become a bank holding company by acquiring 

100 percent of La Grange Bancshares, Inc., La 

Grange, Texas, and indirectly acquire Colorado 

Valley Bank, SSB, La Grange, Texas.

AUSTIN BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas, to establish a 07/14/2009

branch to be located at 1959 E. Camelback Road, 

Phoenix, Arizona 85016.

COMERICA BANK

* 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 July 4, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

07/17/2009

Chinatrust Capital Corporation, Torrance, 

California, and Chinatrust Financial Holding 

Company, Ltd., and Chinatrust Commercial 

Bank, Ltd., both of Taipei, Taiwan, to engage 

directly in extending credit and servicing loans, 

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

and section 4(c)(8) of the Bank Holding 

Company Act.

CHINATRUST CAPITAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

07/06/2009

Pacific International Bancorp, Seattle, 

Washington, to acquire up to 9.9 percent of 

Center Financial Corporation and thereby 

indirectly acquire Center Bank, both of Los 

Angeles, California.

PACIFIC INTERNATIONAL 

BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

07/06/2009

Notice by Donald and Donna Nelson, to retain 

10.9 percent of State Bank Corp., and indirectly 

its subsidiary, Mohave State Bank, both of Lake 

Havasu City, Arizona.

STATE BANK CORP.

* 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