Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 39 

Week Ending September 26, 2009

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

Federal Reserve Transparency -- statement by Scott G. Alvarez, general counsel, 

before the House Committee on Financial Services on how the Federal Reserve is 

both accountable and transparent to Congress and the public.

- Published, September 25, 2009

Monetary and Financial Policy

Lending Facilities -- schedules for operations under the Term Auction Facility (TAF) 

and the Term Securities Lending Facility (TSLF) through January 2010, including 

TAF auctions in the amount of $75 billion each in 28-day credit, reduced amounts 

and shortened maturities in the existing cycle of TAF auctions of 84-day funds, and 

reduced amounts under Schedule 2 TSLF auctions to $50 billion in October and 

$25 billion each in November and December 2009 and January 2010.

- Announced, September 24, 2009

Term Auction Facility -- TAF auction in the amount of $75 billion in 28-day credit 

on September 21, 2009.

- Announced, September 21, 2009

Regulations and Policies

Regulation S (Reimbursement for Providing Financial Records; Recordkeeping 

Requirements for Certain Financial Records) -- final amendments to update the fees 

that federal government agencies may reimburse financial institutions for assembling 

or providing financial records under the Right to Financial Privacy Act.

- Approved, September 2, 2009

(A/C)

Enforcement

AmericanWest Bancorporation, Spokane, Washington -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, September 22, 2009

H.2 Board Actions September 20, 2009 to September 26, 2009

(A/C) = Addition or Correction Board - Page 1 of 3
Enforcement

Bankers' Bancorp, Inc., Springfield, Illinois, and Independent Bankers' Bank -- 

issuance of a consent cease and desist order.

- Announced, September 25, 2009

Capital Community Bancorporation, Inc., Provo, Utah -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, September 23, 2009

Capitol Bancorp, Ltd., Lansing, Michigan, and its second-tier bank holding 

companies -- written agreement with the Federal Reserve Bank of Chicago.

- Announced, September 24, 2009

Community Bankshares, Inc., Cornelia, Georgia -- written agreement with the 

Federal Reserve Bank of Atlanta and the Banking Commissioner of the State of 

Georgia.

- Announced, September 23, 2009

Compass Bank, Birmingham, Alabama -- issuance of a consent order of assessment 

of a civil money penalty.

- Announced, September 24, 2009

First National Bancshares, Inc., Goodland, Kansas -- written agreement with the 

Federal Reserve Bank of Kansas City.

- Announced, September 24, 2009

Northern Star Financial, Inc., Mankato, Minnesota -- written agreement with the 

Federal Reserve Bank of Minneapolis.

- Announced, September 22, 2009

H.2 Board Actions September 20, 2009 to September 26, 2009

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

Old Southern Bank, Orlando, Florida -- written agreement with the Federal Reserve 

Bank of Atlanta and the State of Florida, Office of Financial Regulation.

- Announced, September 23, 2009

Orion Bancorp, Inc., Naples, Florida, and Orion Bank -- issuance of a consent cease 

and desist order.

- Announced, September 22, 2009

H.2 Board Actions September 20, 2009 to September 26, 2009

(A/C) = Addition or Correction Board - Page 3 of 3
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

September 20, 2009 to September 26, 2009

Bank Holding Companies

Ann Arbor Bancorp, Inc., Ann Arbor, Michigan -- to become a bank holding 

company and to acquire Ann Arbor State Bank, Ann Arbor.

Chicago

- Approved, September 25, 2009

Cache Holdings, Inc., Tulsa, Oklahoma -- to become a bank holding company and to 

acquire Healthcare Bancorp, Inc., Broken Arrow, and thereby acquire First 

BankCentre.

Kansas City

- Approved, September 23, 2009

Tri Valley Bancshares, Inc., Lincoln, Nebraska -- to become a bank holding company 

and to acquire Tri-Valley Bank, Talmage.

Kansas City

- Approved, September 25, 2009

Bank Mergers

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

deposits and liabilities of the Johnson County, Kansas, branches of Los Padres Bank, 

Solvang, California, and to retain the acquired facilities as branches.

St. Louis

- Approved, September 22, 2009

(A/C) = Addition or Correction Delegated - 1 of 3
Change in Bank Control

Aim Bancshares, Inc., Levelland, Texas -- change in bank control of Aim and its 

subsidiary bank, AimBank, Littlefield.

Dallas

- Permitted, September 21, 2009

Signature Bancshares, Inc., Minnetonka, Minnesota -- to retain control of Signature 

and its subsidiary bank, Signature Bank, Minnetonka.

Minneapolis

- Permitted, September 21, 2009

Extensions of Time

Community Bancshares of Mississippi, Inc. Employee Stock Ownership Plan, 

Brandon, Mississippi -- extension to January 10, 2010, to acquire additional shares of 

Community Bancshares of Mississippi, Inc., Brandon, and thereby acquire 

Community Bank of North Mississippi, Amory; Community Bank of Mississippi, 

Forest; Community Bank, Ellisville; Community Bank Coast, Biloxi; Community 

Holding Company of Alabama, Brandon; and Community Bank, N.A., Mobile, 

Alabama.

Atlanta

- Granted, September 23, 2009

Compass Bank, Birmingham, Alabama -- extension to October 30, 2010, to establish 

a branch at 1805 East Main Street, Prattville.

Atlanta

- Granted, September 24, 2009

H.2 Actions under delegated authority September 20, 2009 to September 26, 2009

(A/C) = Addition or Correction Delegated - 2 of 3
Extensions of Time

Medway Co-operative Bank, Medway, Massachusetts -- extension to September 26, 

2010, to establish a branch at 1 Hastings Street, Mendon.

Boston

- Granted, September 24, 2009

Membership

The Casey County Bank, Inc., Liberty, Kentucky -- to become a member of the 

Federal Reserve System.

St. Louis

- Approved, September 21, 2009

H.2 Actions under delegated authority September 20, 2009 to September 26, 2009

(A/C) = Addition or Correction Delegated - 3 of 3
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending September 26, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending September 26, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/19/2009

The Goldman Sachs Group, Inc., New York, New 

York, to retain 9.0 percent of the outstanding 

common stock of Atlantic Capital Bancshares, 

Inc., which is the direct parent of Atlantic 

Capital Bank, both of Atlanta, Georgia, pursuant 

to Section 3(a)(3) of the BHC Act of 1956, as 

amended, and Section 225.15 of Regulation Y.

GOLDMAN SACHS GROUP, INC., 

THE

Newspaper:

Federal Register:

* 3A3 Not available

10/19/2009

The Goldman Sachs Group, Inc., New York, New 

York, to retain 9.8 percent of the outstanding 

common stock of Avenue Financial Holdings, 

Inc., which is the direct parent of Avenue Bank, 

both of Nashville, Tennessee, pursuant to 

Section 3(a)(3) of the BHC Act of 1956, as 

amended, and Section 225.15 of Regulation Y.

GOLDMAN SACHS GROUP, INC., 

THE

Newspaper:

Federal Register:

* 3A3 Not available

* 4c8 10/19/2009

The Goldman Sachs Group, Inc., New York, New 

York, to retain 6.6 percent of a class of voting 

securities of Doral Holdings, L.P., and indirectly 

Doral Bank, both of San Juan, Puerto Rico, 

pursuant to Section 3(a)(3) of the BHC Act of 

1956, as amended, and Section 225.15 of 

Regulation Y, and also retain indirect interest in 

Doral Bank, FSB, New York, New York, a federal 

savings association and indirect subsidiary of 

Doral Holdings, L.P., pursuant to Section 4(c)(8) 

and 4(j) of the BHC Act of 1956, as amended 

and Section 225.24 of Regulation Y.

GOLDMAN SACHS GROUP, INC., 

THE

Newspaper:

Federal Register:

* 4c8 Not available

10/19/2009

The Goldman Sachs Group, Inc., New York, New 

York, to retain its indirect interest in The First 

Marblehead Corporation, Boston, 

Massachusetts, which is the parent of Union 

Federal Savings Bank, North Providence, Rhode 

Island, pursuant to Section 4(c)(8) and 4(j) of 

the BHC Act of 1956, as amended, and Section 

225.24 of Regulation Y.

GOLDMAN SACHS GROUP, INC., 

THE

Newspaper:

Federal Register:

* 3A1

4c8

10/16/2009

10/09/2009

Ladder Capital Finance Holdings LLC and 

Ladder Midco LLC, both of New York, New 

York, request approval to become bank holding 

companies, pursuant to Section 3(a)(1) of the 

BHC Act and thereafter, engage in certain 

nonbanking activities pursuant to Section 4(c)

(8) and 4(j) of the BHC Act and Section 

225.24(a) of Regulation Y.

LADDER CAPITAL FINANCE 

HOLDINGS LLC

* 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 September 26, 2009

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 September 26, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Notification by Middlefield Banc Corp., 

Middlefield, Ohio to engage de novo in 

activities permissible pursuant to section 4(c)(8) 

of the Bank Holding Company Act and 

225.28(b)(1) and (b)(2)of the Board's Regulation 

Y

MIDDLEFIELD BANC CORP

* 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 September 26, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/26/2009

CapGen Capital Group LLC, and CapGen Capital 

Group LP, both of New York, New York, to 

increase their investment in The BANKshares, 

Inc., Winter Park, Florida, and its subsidiary, 

BankFIRST, Winter Park, Florida, by 14.4% to a 

total of 36.2%.

CAPGEN CAPITAL GROUP LLC

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Cecil Bank, Elkton, Maryland, to acquire certain 

assets and assume certain liabilities of the Bel 

Air, Maryland, branch of K Bank, Owings Mills, 

Maryland.

CECIL BANK

Newspaper:

Federal Register:

* 3A1 10/12/2009

10/23/2009

Nantahala Bancshares, Inc., Franklin, North 

Carolina, to become a bank holding company 

through the acquisition of 100% of Nantahala 

Bank & Trust Company, Franklin, North 

Carolina.

Nantahala Bancshares, Inc.

Newspaper:

Federal Register:

* 4c8

* 3A3

* 18C

* Branch

10/07/2009

10/09/2009

Union Bankshares Corporation, Bowling Green, 

Virginia (UBC), to acquire 100% of the voting 

securities of First Market Bank, FSB, Richmond, 

Virginia (FMB-FSB), and the related filings by 

UBC to acquire 100% of the voting securities of 

FMB-UBSH Interim Bank, Bowling Green, 

Virginia (FMB-UBSH), and by FMB-UBSH to 

merge with FMB-FSB.

UNION BANKSHARES 

CORPORATION

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending September 26, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 10/10/2009

10/13/2009

Prior change in control filed by PCAP 

Managers, LLC, Parthenon Investors III, L.P., 

PCAP Associates, J&R Advisors F.F., LLC, J&R 

Founders Fund II, L.P., and PCAP-SNBT, LLC, 

all of Boston, Massachusetts, to acquire up to 

24.9 percent of the outstanding shares of Three 

Shores Bancorporation, Inc., and its subsidiary, 

Seaside National Bank & Trust, both of 

Orlando, Florida.

THREE SHORES 

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC 10/10/2009

10/13/2009

Prior change in control filed by Lovell Minnick 

Holdings, LLC, Lovell Minnick Partners, LLC, 

Lovell Minnick Equity Advisors II, LLC, Lovell 

Minnick Equity Partners II, L.P., and LM-SNBT, 

LLC, all of El Segundo, California, to acquire up 

to 24.9 percent of the outstanding shares of 

Three Shores Bancorporation, Inc., and its 

subsidiary, Seaside National Bank & Trust, both 

of Orlando, Florida.

THREE SHORES 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A3 Not available

09/22/2009

USAmeriBancorp, Inc., Largo, Florida, to 

acquire 49.7 percent of the outstanding voting 

shares of Aliant Financial Corporation, and its 

subsidiary, Aliant Bank, both of Alexander City, 

Alabama.

USAMERIBANCORP, 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

 601733 PEOPLES SOUTHERN BK, CLANTON, ALABAMA 04/06/2009 09/17/2009 O Small Bank

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 September 26, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 09/05/2009

09/03/2009

Eagle Financial Corp., Casey, Illinois, to become 

a bank holding company by acquiring 100 

percent of Casey State Bank, Casey, Illinois and 

First State Bank, Biggsville, Illinois.

EAGLE FINANCIAL CORP.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Farmers Bank & Trust, Converse, Indiana, 

to merge with Central Bank, Russiaville, Indiana, 

and thereby to establish two branches to be 

located at 160 W. Main Street, Russiaville, 

Indiana and 501 West Lincoln Road, Kokomo, 

Indiana.

FIRST FARMERS BANK & 

TRUST

Newspaper:

Federal Register:

CIC 09/08/2009

09/04/2009

Notice by Laura G. Gard Revocable Living 

Trust, Laura G. Gard, Trustee, Marshall, Illinois, 

to increase control of Herky Hawk Financial 

Corp., Monticello, Iowa, and thereby indirectly 

Citizens State Bank, Citizens State Bank, 

Monticello, Iowa, and New Vienna Savings 

Bank, New Vienna, Iowa.

HERKY HAWK FINANCIAL 

CORP.,

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Iowa Credit Union League, Clive, Iowa, to 

become a bank holding company by acquiring 

100 percent Affiliates Management Company, 

Clive, Iowa and by Affiliates Management 

Company, Clive, Iowa, to become a bank 

holding company by acquiring 100 percent of 

CrediCard National Bank, Tucson, Arizona.

IOWA CREDIT UNION LEAGUE

Newspaper:

Federal Register:

CIC

Not available

Notice by Robert D. Fleming, Ipava, Illinois and 09/08/2009

Phyllis A. Fleming, Ipava, Illinois, to retain 15.70 

percent of the voting shares of ISB Bancshares, 

Inc., Ipava, Illinois, and thereby indirectly retain 

control of Ipava State Bank, Ipava, Illinois.

ISB BANCSHARES, INC.

Newspaper:

Federal Register:

CIC

Not available

Notice by Joseph J. Dietz, Lewistown, Illinois, 10/08/2009

to retain 13.85 percent of the voting shares of 

ISB Bancshares, Inc., Ipava, Illinois, and 

thereby indirectly retain control of Ipava State 

Bank, Ipava, Illinois.

ISB BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

10/09/2009

Notice by TRSD Holdings, LP, Warren, 

Michigan, and its general partner, the Thomas 

Fabbri Revocable Trust, Thomas Fabbri, as 

trustee, Sterling Heights, Michigan, to acquire 

more than 10 percent of the voting shares of 

Level One Bancorp, Inc., Farmington Hills, 

Michigan, and thereby indirectly acquire control 

of Level One Bank, Farmington Hills, Michigan.

LEVEL ONE BANCORP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 26, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/30/2009

Notice filed individually by Douglas N. 

Neighbor, Kent M. Neighbor, and Gene R. 

Neighbor to each own 16.122 percent and by the 

Neighbor Family - Doug and Marva Neighbor, 

Marion, Iowa; Gene and Betty Jean Neighbor, 

Alburnett, Iowa, and Kent and Irene Neighbor, 

Winthrop, Iowa, and their children (Sandra K. 

Waring, Walker, Iowa; Steven K. Neighbor, 

Center Point, Iowa; Scott M. Neighbor, Center 

Point, Iowa; Mark A. Neighbor, Center Point, 

Iowa; Eldon L. Neighbor, Central City, Iowa; 

Konnie I. Borrett, Marion, Iowa; Stephanie R. 

Neighbor, Cedar Rapids, Iowa; Brent B. 

Neighbor, Tijeras, New Mexico; Brad D. 

Neighbor, Espanola, New Mexico; Todd D. 

Neighbor, Marion, Iowa; Jason M. 

Neighbor,Alburnett, Iowa; and Michael G. 

Neighbor, Bettendorf, Iowa) as a group acting in 

concert, for approval to retain control of 100 

percent of Neighbor Insurance Agency, Marion, 

Iowa, and thereby indirectly control Farmers 

State Bank, Marion, Iowa.

NEIGHBOR INSURANCE 

AGENCY, INC.

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 September 26, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Lindell Bank & Trust Company, St. Louis, 10/19/2009

Missouri, to purchase the assets and assume 

the liabilities of the Chesterfield, Clayton, 

Glendale, O'Fallon, and Chesterfield Valley, 

Missouri branch offices of Bank Midwest, N.A., 

Kansas City, Missouri, and to retain the 

acquired facilities as branch offices.

LINDELL BANK & TRUST 

COMPANY

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Midwest Regional Bancorp, Inc., Festus, 

Missouri, to engage in lending and servicing 

activities.

MIDWEST REGIONAL 

BANCORP, INC.

* 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

 446149 PEOPLES BK, MARION, KENTUCKY 05/05/2009 08/26/2009 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 September 26, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Earl E. Geiger, Bloomington, Minnesota, to 

acquire shares of Heritage Bancshares Group, 

Inc., Willmar, Minnesota, and thus to join the 

Geiger Family Group acting in concert which 

controls over 25 percent of Heritage Bancshares 

Group, Inc. Heritage Bancshares Group, Inc., 

owns Heritage Bank, NA, Spicer, Minnesota, 

and Heritage Bank, NA, Holstein, Iowa.

HERITAGE BANCSHARES 

GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Darin J. Latterall, Kelliher, Minnesota, 

to acquire 25 percent or more of the shares of 

Kelliher Bancshares, Inc., Kelliher, Minnesota, 

and thereby indirectly gain control of Citizens 

State Bank of Kelliher, Kelliher, Minnesota.

KELLIHER BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Belva H. Rasmussen 2009 Grantor Retained 

Annuity Trust, Falcon Heights, Minnesota; and 

Eva B. Rasmussen, Edina, Minnesota; Pamela 

M. Harris, Falcon Heights, Minnesota; and 

Teresa J. Rasmussen, Orono, Minnesota, 

Trustees, to join a group acting in concert with 

Belva H. Rasmussen, individually, and with 

Belva H. Rasmussen, Teresa J. Rasmussen and 

Lyle Delwyche, trustees of the Walter C. 

Rasmussen Marital Trust Under Agreement 

dated December 26, 1985, and the Walter C. 

Rasmussen Family Trust Under Agreement 

dated December 26, 1985 (together, the 

"Rasmussen Family Group") to acquire 25 

percent or more of Northeast Securities 

Corporation, Minneapolis, Minnesota. 

Northeast Securities Corporation controls 

Northeast Bank, Minneapolis, Minnesota.

NORTHEAST SECURITIES 

CORPORATION

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending September 26, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 10/19/2009

10/16/2009

Pratt Community Bancshares, Inc., Pratt, 

Kansas, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of and subsequent merger with 

First Pratt Bancshares, Inc., parent of First 

National Bank in Pratt, both in Pratt, Kansas.

PRATT COMMUNITY 

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

 2957014 AMERICAN ST B&TC, GREAT BEND, KANSAS 06/08/2009 09/14/2009 S Small Bank

 957757 COMMUNITY B&TC, NEOSHO, MISSOURI 06/15/2009 09/18/2009 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 September 26, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/13/2009

Notice by Mr. Harmon A. Brown, Chicago, 

Illinois, to become independent trustee of the 

LCK 1993 Trust, LCK Dynasty Trust, LCK 

Legacy Trust, the Katz Millennium Trust, and 

LCK Trust #2, and therefore acquire control of 

First Community Bancshares, Inc., Killeen, 

Texas, and indirectly acquire FCBI Delaware 

Inc., Wilmington, Delaware, First National Bank 

Texas, Killeen, Texas, and Fort Hood National 

Bank, Fort Hood, Texas.

FIRST COMMUNITY 

BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending September 26, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

10/19/2010

BW Acquisition, LLC, Fountain Green, Utah, to 

become a bank holding company by acquiring 

57.7 percent of Utah Community Bancorp and 

thereby indirectly acquire Utah Community 

Bank, both of Sandy, Utah.

BW ACQUISITION, LLC

Newspaper:

Federal Register:

* 3A3 Not available

09/21/2009

Franklin Resources, Inc., San Mateo, California, 

to acquire up to 7.0 percent of the voting shares 

of State Bank and Trust Company, Pinehurst, 

Georgia, pursuant to section 3(a)(3) of the Bank 

Holding Company Act.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

09/22/2009

Franklin Resources, Inc., San Mateo, California, 

to retain 20.4 percent of the voting shares of 

Guaranty Bancorp, and thereby indirectly its 

subsidiary, Guaranty Bank & Trust Company, 

both of Denver, Colorado, pursuant to section 

3(a)(3) of the Bank Holding Company Act.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

CIC 10/07/2009

10/05/2009

Notice of Change in Control by Astrid Salim, 

Singapore, and Axton Salim, Jakarta, Indonesia, 

to individually acquire 7.5% of the shares of 

GBC Holdings, Inc., and thereby indirectly GBC 

International Bank, both of Los Angeles, 

California.

GBC HOLDINGS, INC.

Newspaper:

Federal Register:

CIC

Not available

Notice by Rommel R. Medina and Ruell R. 08/07/2009

Medina, both of San Bruno, California, to 

acquire additional voting shares of MNB 

Holdings Corporation, and indirectly, voting 

shares of Mission National Bank, both of San 

Francisco, California.

MNB HOLDINGS CORPORATION

Newspaper:

Federal Register:

CIC 10/03/2009

10/13/2009

Interagency Notice of Change in Control by 

Alma Medina Vivar, Daly City, California, as 

part of a group acting in concert including 

Rommel and Ruell Medina, to individually 

acquire up to 5.46 percent, and collectively up 

to 63.26%, of MNB Holdings, Inc., and thereby 

indirectly acquire control of its subsidiary, 

Mission National Bank, both of San Francisco, 

California.

MNB HOLDINGS CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

09/25/2009

Private Bancorp of America, Inc., to become a 

bank holding company by acquiring 100 percent 

of San Diego Private Bank, both of La Jolla, 

California.

PRIVATE BANCORP OF 

AMERICA, 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

 3490871 PACIFIC ENT BK, IRVINE, CALIFORNIA 05/26/2009 09/11/2009 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act