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 19, 2011

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

Dodd-Frank Act and Derivatives -- statement by Governor Tarullo before the House 

Committee on Financial Services on the implementation of the provisions in the 

Dodd-Frank Act affecting over-the-counter derivatives.

- Published, February 15, 2011

Dodd-Frank Act Implementation -- statement by Chairman Bernanke before the 

Senate Committee on Banking, Housing, and Urban Affairs on the Federal Reserve's 

implementation of the Dodd-Frank Act.

- Published, February 17, 2011

Interchange Fees -- statement by Governor Raskin before a subcommittee of the 

House Committee on Financial Services regarding the Board's proposed rule to 

implement the interchange-fee provisions of the Dodd-Frank Act.

- Published, February 17, 2011

Advisory Councils

Community Depository Institutions Advisory Council -- appointment of twelve 

members and designation of Barrie G. Christman as president and Howard T. Boyle 

as vice president for 2011.

- Announced, February 16, 2011

Enforcement

Bank of Whitman, Colfax, Washington -- issuance of a prompt corrective action 

directive with the consent of the bank.

- Announced, February 15, 2011

Dacotah Bank, Aberdeen, South Dakota -- issuance of a consent order of assessment 

of a civil money penalty.

- Announced, February 15, 2011

H.2 Board Actions February 13, 2011 to February 19, 2011

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

Franklin Savings Bank, Farmington, Maine -- issuance of a consent order of 

assessment of a civil money penalty.

- Announced, February 15, 2011

Idaho Banking Company, Boise, Idaho -- issuance of a prompt corrective action 

directive with the consent of the bank.

- Announced, February 15, 2011

Market Bancorporation, Inc., Elko New Market, Minnesota -- written agreement with 

the Federal Reserve Bank of Minneapolis.

- Announced, February 15, 2011

MyAnns Corporation, Piqua, Kansas -- issuance of consent orders of assessment of 

civil money penalties against MyAnns and G. Larry Curry, a former director and 

institution-affiliated party.

- Announced, February 15, 2011

Westside Banking Company, University Place, Washington -- written agreement 

with the Federal Reserve Bank of San Francisco.

- Announced, February 17, 2011

H.2 Board Actions February 13, 2011 to February 19, 2011

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSD Office of Staff Director

February 13, 2011 to February 19, 2011

Bank Branches, Domestic

Community Bank of Tri-County, Waldorf, Maryland -- to establish a branch at the 

intersection of Route 301 and Commerce Drive, Dahlgren, Virginia.

Richmond

- Approved, February 16, 2011

Sandy Spring Bank, Olney, Maryland -- to establish a branch at 550 North Quincy 

Street, Arlington, Virginia.

Richmond

- Approved, February 18, 2011

Bank Holding Companies

American State Bancshares, Inc., Great Bend, Kansas -- to acquire ASB Holdings, 

LLC, Great Bend, and thereby engage in information technology consulting services.

Kansas City

- Approved, February 14, 2011

Bank of Nova Scotia, Toronto, Canada -- to engage, on a limited basis, in physical 

commodity trading activities as activities that are complementary to a financial 

activity.

Director, BS&R

- Approved, February 17, 2011

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Holding Companies

BankFinancial Corporation, Burr Ridge, Illinois -- waiver of application to acquire 

DG Bancorp, Inc., Downers Grove, in connection with the merger of their respective 

subsidiary banks, BankFinancial, F.S.B., Olympia Fields, and Downers Grove 

National Bank, Downers Grove.

Chicago

- Granted, February 15, 2011

Community Bancorp LLC, Houston, Texas -- to become a bank holding company 

and to acquire Cadence Financial Corporation, Starkville, Mississippi, and thereby 

acquire Cadence Bank, N.A.

Secretary

- Approved, February 14, 2011

Community Bancorp LLC, Houston, Texas -- request for an exemption under the 

Depository Institution Management Interlocks Act and Regulation L.

General Counsel

- Granted, February 14, 2011

Community Bank System, Inc., Dewitt, New York -- waiver of application to merge 

with The Wilber Corporation, Oneonta, in connection with the merger of their 

respective subsidiary banks, Community Bank, National Association, Canton, and 

Wilber National Bank, Oneonta.

New York

- Withdrawn, February 15, 2011

H.2 Actions under delegated authority February 13, 2011 to February 19, 2011

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Holding Companies

Lightyear Capital LLC, New York, New York -- request for an exemption under the 

Depository Institution Management Interlocks Act and Regulation L to permit an 

individual to serve as a director of Cascade Bancorp, Bend, Oregon, while continuing 

to serve as a director of Community & Southern Holdings, Inc., Carrollton, Georgia, 

and Community & Southern Bank.

General Counsel

- Granted, February 14, 2011

Sulphur Springs Bancshares, Inc., Sulphur Springs, Texas -- to acquire by merger 

First Mineola, Inc., Mineola, and indirectly acquire The First National Bank of 

Mineola.

Dallas

- Approved, February 14, 2011

Bank Mergers

Centennial Bank, Conway, Arkansas -- to purchase the assets and assume the deposit 

liabilities of Sunshine State Community Bank, Port Orange, Florida, and to retain the 

acquired facilities as branches.

St. Louis

- Withdrawn, February 15, 2011

Union First Market Bank, Richmond, Virginia -- to acquire certain assets and assume 

certain liabilities of the Harrisonburg branch of NewBridge Bank, Greensboro, North 

Carolina.

Richmond

- Approved, February 16, 2011

H.2 Actions under delegated authority February 13, 2011 to February 19, 2011

(A/C) = Addition or Correction Delegated - 3 of 5
Change in Bank Control

Amsterdam Bancshares, Inc., Amsterdam, Missouri -- change in bank control of 

Amsterdam and its subsidiary bank, Citizens Bank, Amsterdam.

Kansas City

- Withdrawn, February 17, 2011

Central Pacific Financial Corp., Honolulu, Hawaii -- change in bank control of 

Central Pacific and its subsidiary bank, Central Pacific Bank, Honolulu (two notices).

San Francisco

- Permitted, February 16, 2011

First Rushmore Bancorporation, Inc., Worthington, Minnesota -- change in bank 

control of First Rushmore and its subsidiary bank, First State Bank Southwest, 

Pipestone.

Minneapolis

- Permitted, February 17, 2011

Florida Capital Group, Inc., Jacksonville, Florida -- to retain control of Florida 

Capital and its subsidiary bank, Florida Capital Bank, Jacksonville.

Atlanta

- Permitted, February 18, 2011

Southeastern Bancshares, Inc., Broken Bow, Oklahoma -- to retain control of 

Southeastern and its subsidiary bank, 1st Bank & Trust, Broken Bow.

Kansas City

- Permitted, February 16, 2011

H.2 Actions under delegated authority February 13, 2011 to February 19, 2011

(A/C) = Addition or Correction Delegated - 4 of 5
Extensions of Time

Rockville Financial, Inc., Rockville, Connecticut -- extension to May 19, 2011, to 

acquire Rockville Bank, Rockville, in connection with the reorganization of 

Rockville Financial, MHC, from mutual to stock form.

Boston

- Granted, February 17, 2011

Sugar River Bancorp, MHC, Newport, New Hampshire -- extension to April 15, 

2011, to become a mutual bank holding company and to acquire Sugar River Bank, 

Newport.

Boston

- Granted, February 18, 2011

Membership

Summit Bank, Arkadelphia, Arkansas -- to become a member of the Federal Reserve 

System.

St. Louis

- Approved, February 17, 2011

Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on January 25-26, 2011.

FOMC

- Published, February 16, 2011

H.2 Actions under delegated authority February 13, 2011 to February 19, 2011

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending February 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 03/03/2011

03/10/2011

First Connecticut Bancorp, Inc., Farmington, 

Connecticut to acquire 100% of the outstanding 

capital stock of Farmington Bank, Farmington, 

Connecticut, pursuant to section 3(a)(1) of the 

BHC Act, in connection with the conversion of 

the holding company from mutual to stock form.

FIRST CONNECTICUT 

BANCORP, 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

 956376 BANK OF EASTON, NORTH EASTON, MASSACHUSETTS 10/04/2010 12/23/2010 S Small Bank

CRA Examinations scheduled for Second Quarter of 2011 (April 1, 2011 - June 30, 2011)

Institution Location

COMMUNITY GUARANTY SVG BK PLYMOUTH, NEW HAMPSHIRE

NORTHEAST BK LEWISTON, MAINE

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

Federal Reserve Bank of New York

Filings received during the week ending February 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banca Popolare di Vicenza S.C.p.A, Vicenza, 

Italy, to establish a representative office in New 

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

(1) of Regulation K.

BANCA POPOLARE VICENZA 

SCPAARL

* 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 2011 (April 1, 2011 - June 30, 2011)

Institution Location

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending February 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Orrstown Bank, Shippensburgh, PA, to 02/18/2011

establish a branch office located at 1000 Bryn 

Mawr Road, Carlisle, PA.

ORRSTOWN 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 Second Quarter of 2011 (April 1, 2011 - June 30, 2011)

Institution Location

ORRSTOWN BK SHIPPENSBURG, PENNSYLVANIA

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

Federal Reserve Bank of Cleveland

Filings received during the week ending February 19, 2011

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 Second Quarter of 2011 (April 1, 2011 - June 30, 2011)

Institution Location

HOCKING VALLEY BK ATHENS, OHIO

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

Federal Reserve Bank of Richmond

Filings received during the week ending February 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 02/11/2011

03/14/2011

American National Bankshares Inc., Danville, 

Virginia, to acquire 100% of the voting 

securities of MidCarolina Financial Corporation, 

Burlington, North Carolina, and thereby 

indirectly acquire MidCarolina Bank, Burlington, 

North Carolina.

AMERICAN NATIONAL 

BANKSHARES INC.

Newspaper:

Federal Register:

CIC Not available

02/18/2011

Notice by Mr. Mehrdad Elie of Redwood City, 

California, to individually acquire up to 32%, 

and as a group acting in concert with Mr. 

Mesfin Ayenew, Potomac, Maryland; Mr. David 

P. Como, Napa, California; Mr. Charles 

Turnbaugh, Baltimore, Maryland; Mr. Robert L. 

Gossard, Burlinggame, California; and Mr. 

Terrance M. Davis, Dillon Beach, California, to 

acquire in aggregate up to 41% of the voting 

securities of HarVest BanCorp, Inc., 

Gaithersburg, Maryland, and indirectly acquire 

shares of HarVest Bank of Maryland, Rockville, 

Maryland.

HARVEST BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Union First Market Bank, Richmond, Virginia, to 02/25/2011

establish a branch at 437 Tiffany Drive, 

Waynesboro, Virginia.

UNION FIRST MARKET BANK

* 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

 991621 CITIZENS B&TC, BLACKSTONE, VIRGINIA 10/18/2010 02/01/2011 S Large Bank

 3325759 SONABANK, MCLEAN, VIRGINIA 08/02/2010 01/27/2011 S Int Sm Bank

 274829 TRUPOINT BK, GRUNDY, VIRGINIA 10/04/2010 02/07/2011 S Int Sm Bank

CRA Examinations scheduled for Second Quarter of 2011 (April 1, 2011 - June 30, 2011)

Institution Location

ANSON B&TC WADESBORO, NORTH CAROLINA

BANK OF STANLY ALBEMARLE, NORTH CAROLINA

CFG CMNTY BK TOWSON, MARYLAND

CHESAPEAKE BK KILMARNOCK, VIRGINIA

FARMERS BK WINDSOR VA WINDSOR, VIRGINIA

FOUR OAKS B&TC FOUR OAKS, NORTH CAROLINA

JOHN MARSHALL BK FALLS CHURCH, VIRGINIA

OLD LINE BK BOWIE, MARYLAND

VALLEY BK ROANOKE, VIRGINIA

VIRGINIA BUS BK RICHMOND, VIRGINIA

VIRGINIA CMNTY BK LOUISA, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending February 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

02/28/2011

Peoples Bancshares, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of People Bank, both of 

Mendenhall, Mississippi.

PEOPLES BANCSHARES, 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

 2845755 FLAGLER BK, WEST PALM BEACH, FLORIDA 10/25/2010 02/09/2011 S Small Bank

 479839 TENNESSEE ST BK, PIGEON FORGE, TENNESSEE 10/18/2010 02/10/2011 S Large Bank

CRA Examinations scheduled for Second Quarter of 2011 (April 1, 2011 - June 30, 2011)

Institution Location

ALIANT BK ALEXANDER CITY, ALABAMA

CENTURY BK OF FL TAMPA, FLORIDA

IBERIABANK LAFAYETTE, LOUISIANA

LANDMARK BK OF FL SARASOTA, FLORIDA

PARK AVE BK VALDOSTA, GEORGIA

UNITED LEGACY BK WINTER PARK, FLORIDA

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

Federal Reserve Bank of Chicago

Filings received during the week ending February 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1

4c8

* 4c8

4c8

03/22/2011

Bank of Montreal, Montreal, Canada, Harris 

Financial Corp., Wilmington, Delaware, Harris 

Bankcorp, Inc., Chicago, Illinois, to acquire 100 

percent of the voting shares of Marshall and 

Ilsley Corporation, Milwaukee, Wisconsin, and 

thereby indirectly acquire M&I Marshall & 

Ilsley Bank, Milwaukee, Wisconsin, M&I Bank 

of Mayville, Mayville, Wisconsin, and M&I 

Bank, FSB, Las Vegas, Nevada, and their 

nonbank subsidiaries, and the related 

application by Mike Merger Sub, LLC, Chicago, 

Illinois, to become a bank holding company by 

acquiring 100 percent of the voting shares of 

Marshall and Ilsley Corporation, Milwaukee, 

Wisconsin, and thereby indirectly acquire M&I 

Marshall & Ilsley Bank, Milwaukee, Wisconsin, 

M&I Bank of Mayville, Mayville, Wisconsin, 

and M&I Bank, FSB, Las Vegas, Nevada, and 

their nonbank subsidiaries.

BANK OF MONTREAL

Newspaper:

Federal Register:

CIC 03/15/2011

02/28/2011

Notice by Charles M. Shea, Wilmette, Illinois, as 

an individual, and by the control group 

including the Betty J. Bradshaw 2000 

Irrevocable Trust dated 10/30/00, Chicago, 

Illinois, Charles M. Shea, Wilmette, Illinois, as 

Trustee, and Molly Boed, Wassenaar, 

Netherlands, as committee member of the Betty 

Bradshaw 2000 Irrevocable Trust dated 

10/30/00, to acquire control of First Community 

Bancshares Corp., Anamosa, Iowa, and thereby 

indirectly acquire control of First Community 

Bank, Milton, Wisconsin and Citizens Savings 

Bank, Anamosa, Iowa.

FIRST COMMUNITY 

BANCSHARES 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

 643340 EASTERN MI BK, CROSWELL, MICHIGAN 03/22/2010 02/11/2011 S Small Bank

CRA Examinations scheduled for Second Quarter of 2011 (April 1, 2011 - June 30, 2011)

Institution Location

ALPINE B&TC ROCKFORD, ILLINOIS

AMERICAN FOUND MORTGAGEBANC BROOKFIELD, WISCONSIN

AMERICAN T&SB DUBUQUE, IOWA

AMES CMNTY BK AMES, IOWA

BANKERS BK MADISON, WISCONSIN

BLISSFIELD ST BK BLISSFIELD, MICHIGAN

CITIZENS BK FLINT, MICHIGAN

COMMUNITY BK ELMHURST ELMHURST, ILLINOIS

FARMERS ST BK LAKE VIEW, IOWA

HINSDALE B&TC HINSDALE, ILLINOIS

HOME T&SB OSAGE, IOWA

IOWA ST SVG BK KNOXVILLE, IOWA

LOGAN CTY BK LINCOLN, ILLINOIS

M&I MARSHALL & ILSLEY BK MILWAUKEE, WISCONSIN

MARQUETTE BK CHICAGO, ILLINOIS

NORTHERN TC CHICAGO, ILLINOIS

NORTHWEST BK SPENCER, IOWA

OSB CMNTY BK BROOKLYN, MICHIGAN

SECURITY SVG BK EAGLE GROVE, IOWA

TOWER B&TC FORT WAYNE, INDIANA

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

Federal Reserve Bank of Chicago

UNION B&TC EVANSVILLE, WISCONSIN

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

Federal Reserve Bank of St. Louis

Filings received during the week ending February 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Texico State Bank, Texico, Illinois, to become a 

member of the Federal Reserve System.

TEXICO 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

NONE

CRA Examinations scheduled for Second Quarter of 2011 (April 1, 2011 - June 30, 2011)

Institution Location

BANK OF BARTLETT BARTLETT, TENNESSEE

CENTENNIAL BK CONWAY, ARKANSAS

DUQUOIN ST BK DUQUOIN, ILLINOIS

FIRST ILLINOIS BK EAST SAINT LOUIS, ILLINOIS

KING SOUTHERN BK CHAPLIN, KENTUCKY

LEITCHFIELD DEPOSIT B&TC LEITCHFIELD, KENTUCKY

LINDELL B&TC SAINT LOUIS, MISSOURI

WARREN B&TC WARREN, ARKANSAS

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending February 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by Robert Karl Kamp, 

Manhattan, Montana, to gain control of 

Inter-Mountain Bancorp, Inc., Bozeman, 

Montana and thereby indirectly gain control of 

First Security Bank, Bozeman, Montana.

INTER-MOUNTAIN BANCORP., 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Cara Mulder, Prinsburg, Minnesota, 

to join a group acting in concert with Myron 

Mulder, Prinsburg, Minnesota, to acquire and 

retain control of PSB Financial Shares, Inc., 

Prinsburg, Minnesota, and thereby indirectly 

acquire and retain control of Prinsbank, 

Prinsburg, Minnesota.

PSB FINANCIAL SHARES, INC.

Newspaper:

Federal Register:

CIC 02/26/2011

03/04/2011

Change in Control notice by John D. Connolly, 

Danvers, Minnesota, to acquire and retain 25% 

or more of the shares of West 12 

Bancorporation, Inc., Danvers, Minnesota, and 

thereby indirectly acquire and retain control of 

State Bank of Danvers, Danvers, Minnesota.

WEST 12 BANCORPORATION, 

INC.

Newspaper:

Federal Register:

CIC 03/08/2011

03/03/2011

Notice by Noah W. Wilcox, Grand Rapids, 

Minnesota, as an individual and as trustee of 

the Noah W. Wilcox Trust, Grand Rapids, to 

acquire 25% or more of the shares of Wilcox 

Bancshares, Grand Rapids, Minnesota, and 

thereby indirectly control Grand Rapids State 

Bank, Grand Rapids, Minnesota. Additionally, 

the Noah W. Wilcox Trust, trustees Noah W. 

Wilcox and Dorsey & Whitney Trust Company 

LLC, Sioux Falls, South Dakota, will acquire 10% 

or more of Wilcox Bancshares, and thus join the 

Wilcox Family Group, and thereby indirectly 

control Grand Rapids State Bank, Grand Rapids, 

Minnesota.

WILCOX BANCSHARES, 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 Second Quarter of 2011 (April 1, 2011 - June 30, 2011)

Institution Location

AMERICAN ST BK OF GRYGLA GRYGLA, MINNESOTA

COMMUNITY BK CORP CHASKA, MINNESOTA

FIRST BK BALDWIN BALDWIN, WISCONSIN

GLACIER BK KALISPELL, MONTANA

GRAND MARAIS ST BK GRAND MARAIS, MINNESOTA

LAKE COUNTY BK SAINT IGNATIUS, MONTANA

SECURITY BK MN ALBERT LEA, MINNESOTA

SECURITY FNCL BK DURAND, WISCONSIN

STATE BK FNCL LA CROSSE, WISCONSIN

STATE BK OF ALCESTER ALCESTER, SOUTH DAKOTA

STATE BK OF TOWNSEND TOWNSEND, 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 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of Commerce, Yukon, Oklahoma, to 03/04/2011

establish a branch at 2500 S. Cornwell, Yukon, 

Oklahoma.

BANK OF COMMERCE

Newspaper:

Federal Register:

4c8 Not applicable

03/08/2011

Notification filed by Commerce Bank & Trust 

Holding Company, Topeka, Kansas, to retain 

22.98 percent of Financial Institution 

Technologies, Topeka, Kansas, and thereby 

indirectly engage in data processing.

COMMERCE BANK AND TRUST 

HOLDING COMPANY

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by The Eyak Corporation, 

Anchorage, Alaska, to acquire control of Native 

American Bancorporation Co., parent of Native 

American Bank, National Association, both in 

Denver, Colorado.

NATIVE AMERICAN 

BANCORPORATION CO.

Newspaper:

Federal Register:

CIC 02/11/2011

01/03/2011

Notice submitted by Jeffrey J. Heiman and Jerod 

J. Heiman, both of Wichita, Kansas, to retain 

control of Norcon Financial Corp., parent of 

Conway Bank, National Association, both in 

Conway Springs, Kansas.

NORCON FINANCIAL CORP.

Newspaper:

Federal Register:

CIC 03/02/2011

03/02/2011

Notice submitted by the D. Vaughn Gangwish, 

Albuquerque, New Mexico and Karin Walsh, 

Shelton, Nebraska, in an individual capacity; 

and Lois Gangwish, Shelton, Nebraska, as a 

member of the family group acting in concert, to 

acquire control of Shelton Enterprises, Inc., 

parent of First State Bank of Shelton, both in 

Shelton, Nebraska.

SHELTON ENTERPRISES, 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

 398051 FARMERS & MRCH BK ASHLAND, ASHLAND, NEBRASKA 11/15/2010 02/08/2011 S Small Bank

CRA Examinations scheduled for Second Quarter of 2011 (April 1, 2011 - June 30, 2011)

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 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Texas First Bank, Texas City, Texas, to merge 

with affiliate Texas First Bank, Santa Fe, Texas, 

and to establish nine branches at the following 

locations: 12402 Hwy., 6, Santa Fe, TX 77510; 

6128 Hwy. 6, Hitchcock, TX 77563; 2625 South 

Loop 35, Alvin, TX 77511; 5675 FM 646, 

Dickinson, TX 77539; 4301 Hwy.3, Dickinson, 

TX 77539; 111 West Parkwood, Friendswood, 

TX 77546; 3000 FM 1764, La Marque, TX 77568; 

111 South Hwy. 3, League City, TX 77573; and 

2343 North Main St., Pearland, TX 77581.

TEXAS FIRST 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 Second Quarter of 2011 (April 1, 2011 - June 30, 2011)

Institution Location

FIRST B&TC DAWSON, TEXAS

STATE BK TX HOUSTON, TEXAS

TRANSPECOS BANKS PECOS, TEXAS

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

Federal Reserve Bank of San Francisco

Filings received during the week ending February 19, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of Taiwan, Taipei, Taiwan, to upgrade its 

New York Agency to a branch office pursuant 

to section 211.24(a)(2)(ii)(a) of Regulation K and 

seciton 7(d) of FBSEA.

BANK OF TAIWAN

Newspaper:

Federal Register:

CIC Not available

03/09/2011

Michael Fayne Rosinus, of Winnetka, Illinois, to 

acquire 0.11 percent of the voting shares of 

Cascade Bancorp, and thereby indirectly 

acquire voting shares of Bank of the Cascades, 

both of Bend, Oregon, and join with BOTC 

Holdings LLC with respect to its investment in 

Cascade Bancorp, resulting in a total collective 

acquisition of 24.46% of the voting shares of 

Cascade Bancorp.

CASCADE BANCORP

Newspaper:

Federal Register:

CIC Not available

12/17/2010

1) ACMO-CPF, L.L.C., New York, New York, and 

persons that are acting with or control 

ACMO-CPF, L.L.C. (Anchorage Capital Master 

Offshore, Ltd., ACPO Master, L.P., Anchorage 

Capital Partners Offshore, Ltd., ACPO Master, 

Ltd., all of Grand Cayman, Cayman Islands; 

Anchorage Capital Partners, L.P., Anchorage 

Capital Group, L.L.C. (f/k/a Anchorage 

Advisors, L.L.C.), Anchorage Capital, L.L.C. 

(f/k/a Anchorage Capital Group, L.L.C.), 

Anchorage Capital Management, L.L.C., 

Anchorage Advisors Management, L.L.C., all of 

Wilmington, Delaware; and Kevin Ulrich and 

Anthony Davis, both of New York, New York, 

to acquire up to 24.9 percent of Central Pacific 

Financial Corp., Honolulu, Hawaii, and thereby 

indirectly acquire control of Bancorp's 

subsidiary, Central Pacific Bank, Honolulu, 

Hawaii; and Central Pacific Corp, Honolulu, 

Hawaii, to appoint Alvaro Jose Aguirre as a 

Director.

CENTRAL PACIFIC FINANCIAL 

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 Second Quarter of 2011 (April 1, 2011 - June 30, 2011)

Institution Location

BANK OF HAWAII HONOLULU, HAWAII

BANK OF UT OGDEN, UTAH

* Subject to the provisions of the Community Reinvestment Act