Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 51 

Week Ending December 18, 2010

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Holding Companies

Caja de Ahorros de Valencia, Castellón y Alicante, Bancaja, Valencia, Spain, and 

Banco Financiero y de Ahorros, S.A., Madrid -- to acquire Caja de Ahorros y Monte 

de Piedad de Madrid, Madrid, and its subsidiary bank, City National Bank of Florida, 

Miami, Florida; and temporary exemption to engage in nonbanking activities in the 

United States as a result of the acquisition through an integration transaction 

involving seven savings banks in Spain.

- Approved, December 16, 2010

Forms

Forms -- final Board review (1) to extend without revision the Report of Net Debit 

Cap (FR 2226) and (2) to extend with clarification the Statement of Purpose for an 

Extension of Credit by a Creditor (FR T-4), Statement of Purpose for an Extension of 

Credit Secured by Margin Stock (FR U-1), Statement of Purpose for an Extension of 

Credit Secured by Margin Stock by a Person Subject to Registration Under 

Regulation U (FR G-3), Registration Statement for Persons Who Extend Credit 

Secured by Margin Stock (Other Than Banks, Brokers, or Dealers) (FR G-1), 

Deregistration Statement for Persons Registered Pursuant to Regulation U (FR G-2), 

and Annual Report (FR G-4).

- Approved, December 16, 2010

Forms -- initial Board review (1) to extend without revision the Annual Daylight 

Overdraft Capital Report for U.S. Branches and Agencies of Foreign Banks 

(FR 2225), Financial Statements for a Bank Holding Company Subsidiary Engaged 

in Bank-Ineligible Securities Underwriting and Dealing (FR Y-20), International 

Applications and Prior Notifications Under Subparts A and C of Regulation K 

(FR K-1), International Applications and Prior Notifications Under Subpart B of 

Regulation K (FR K-2), and Application for a Foreign Organization to Acquire a 

U.S. Bank or Bank Holding Company (FR Y-3F); (2) to extend with revision the 

Consumer Satisfaction Questionnaire, the Federal Reserve Consumer Help (FRCH) - 

Consumer Survey, and Consumer Online Complaint Form (FR 1379a, b, and c) and 

Bank Holding Company Application and Notification Forms (FR Y-3, Y-3N, and 

Y-4); and (3) to implement the Payments Systems Surveys (FR 3054a, b, c, and d).

- Proposed, December 16, 2010

H.2 Board Actions December 12, 2010 to December 18, 2010

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

Division of Information Technology -- appointment of Kofi A. Sapong and Lisa M. 

Bell as deputy associate directors; William K. Dennison, Sheryl L. Warren, 

Kassandra A. Quimby, and Marietta Murphy as assistant directors; and Pokyung Kim 

as senior adviser.

- Announced, December 16, 2010

Division of International Finance -- appointment of Beth Anne Wilson as assistant 

director, Jane Haltmaier as senior adviser, and Sally M. Davies as adviser.

- Announced, December 15, 2010

Management Division -- appointment of Donald A. Spicer as acting director and 

H. Fay Peters as senior adviser.

- Announced, December 16, 2010

Regulations and Policies

Market Risk Capital Rule -- publication for comment of interagency amendments 

revising the market risk capital rule.

- Announced, December 15, 2010

Regulation BB (Community Reinvestment) -- final interagency rule revising the term 

"community development" in the Community Reinvestment Act regulations to 

include loans, investments, and services that benefit certain areas designated by the 

Department of Housing and Urban Development under the Neighborhood 

Stabilization Program.

- Announced, December 15, 2010

Regulation II (Debit Card Interchange Fees and Routing) -- publication for comment 

of proposed rule that would establish debit card interchange fee standards and 

prohibit network-exclusivity arrangements and routing restrictions.

- Approved, December 16, 2010

H.2 Board Actions December 12, 2010 to December 18, 2010

(A/C) = Addition or Correction Board - Page 2 of 3
Regulations and Policies

Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing) -- 

publication for comment of amendments to implement a provision of the Dodd-Frank 

Act that increases the dollar thresholds for exempt consumer credit transactions and 

consumer leases from $25,000 to $50,000, with future annual increases to reflect any 

increase in the CPI.

- Announced, December 13, 2010

Risk-Based Capital -- publication for comment of interagency amendments revising 

(1) the advanced approaches rule for consistency with certain provisions of the 

Dodd-Frank Act and (2) the general risk-based capital rules to provide limited 

flexibility, consistent with the act, for recognizing the relative risk of certain assets 

generally not held by depository institutions.

- Announced, December 15, 2010

Enforcement

The Park Avenue Bank, Valdosta, Georgia -- issuance of a prompt corrective action 

directive with the consent of the bank.

- Announced, December 16, 2010

Weststar Financial Services Corporation, Asheville, North Carolina -- written 

agreement with the Federal Reserve Bank of Richmond.

- Announced, December 14, 2010

H.2 Board Actions December 12, 2010 to December 18, 2010

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSD Office of Staff Director

December 12, 2010 to December 18, 2010

Bank Branches, Domestic

AmeriServ Financial Bank, Johnstown, Pennsylvania -- to establish a branch at 

1857 North Atherton Street, State College.

Philadelphia

- Approved, December 17, 2010

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 1720 South University 

Avenue, Little Rock.

St. Louis

- Approved, December 13, 2010

The Bank of New York Mellon, New York, New York -- to establish a branch at 

201 Washington Street, Boston, Massachusetts.

New York

- Approved, December 17, 2010

Centennial Bank, Centennial, Colorado -- to establish a branch at 717 Seventeenth 

Street, Suite 100, Denver.

Kansas City

- Approved, December 17, 2010

Monarch Bank, Chesapeake, Virginia -- to establish a branch at 4629 North Croatan 

Highway, Kitty Hawk, North Carolina.

Richmond

- Approved, December 14, 2010

(A/C) = Addition or Correction Delegated - 1 of 7
Bank Branches, Domestic

Monument Bank, Doylestown, Pennsylvania -- to establish a branch at 33 Swamp 

Road, Newtown.

Philadelphia

- Approved, December 17, 2010

Oak Valley Community Bank, Oakdale, California -- to establish a branch at 3508 

McHenry Avenue, Modesto.

San Francisco

- Approved, December 16, 2010

Bank Holding Companies

Bertram BancShares, Inc., Bertram, Texas -- to become a bank holding company and 

to acquire shares of Farmers State Bank, Bertram.

Dallas

- Approved, December 15, 2010

F.N.B. Corporation, Hermitage, Pennsylvania -- waiver of application to acquire 

Comm Bancorp, Inc., Clarks Summit, and its subsidiary bank, Community Bank & 

Trust Company, in connection with Community Bank & Trust's merger with F.N.B.'s 

subsidiary bank, The First National Bank of Pennsylvania, Greenville.

Cleveland

- Granted, December 10, 2010

(A/C)

FHB Formation LLC, Boston, Massachusetts -- to make investments in Northeast 

Bancorp, Lewiston, Maine, and Northeast Bank.

Boston

- Approved, December 13, 2010

H.2 Actions under delegated authority December 12, 2010 to December 18, 2010

(A/C) = Addition or Correction Delegated - 2 of 7
Bank Holding Companies

Franklin Resources, Inc., San Mateo, California -- to acquire additional shares of 

First Chicago Bancorp, Chicago, Illinois, and First Chicago Bank & Trust.

San Francisco

- Approved, December 14, 2010

FRB Investments, Inc., Denver, Colorado -- to become a bank holding company and 

to acquire Omega Capital Corp., Centennial, and its subsidiary bank, Front Range 

Bank, Lakewood.

Kansas City

- Approved, December 15, 2010

M&P Community Bancshares, Inc. 401(k) Employee Stock Ownership Plan, 

Newport, Arkansas -- to acquire additional shares of M&P Community Bancshares, 

Inc., Newport.

St. Louis

- Approved, December 16, 2010

Old National Bancorp, Evansville, Indiana -- to merge with Monroe Bancorp, 

Bloomington, and thereby acquire Monroe Bank.

Secretary

- Approved, December 15, 2010

Ovation Holdings, Inc., Naples, Florida -- to become a bank holding company and to 

acquire National Bank of Southwest Florida, Port Charlotte.

Atlanta

- Approved, December 16, 2010

H.2 Actions under delegated authority December 12, 2010 to December 18, 2010

(A/C) = Addition or Correction Delegated - 3 of 7
Bank Holding Companies

Rigler Investment Co., New Hampton, Iowa -- to acquire State Bank & Trust 

Company, Waverly.

Chicago

- Approved, December 14, 2010

USAmeriBancorp, Inc., Clearwater, Florida -- to acquire shares of Aliant Financial 

Corporation, Alexander City, Alabama, and Aliant Bank.

Atlanta

- Approved, December 16, 2010

Woodforest Financial Group Employee Stock Ownership Plan (with 401(k) 

Provisions), The Woodlands, Texas, and Woodforest Financial Group Employee 

Stock Ownership Trust -- to become a bank holding company and to acquire shares 

of Woodforest Financial Group, Inc., The Woodlands, and thereby acquire 

Woodforest National Bank, Houston; and to acquire a savings association through 

Woodforest Financial Group, Inc., and indirectly Woodforest Bank, FSB, Refugio.

Dallas

- Approved, December 16, 2010

Woolfam VI SLB, LLC, Maryland Heights, Missouri -- to become a bank holding 

company and to acquire an interest in St. Louis Bancshares, Inc., Town and Country, 

and thereby indirectly acquire St. Louis Bank.

St. Louis

- Withdrawn, December 14, 2010

H.2 Actions under delegated authority December 12, 2010 to December 18, 2010

(A/C) = Addition or Correction Delegated - 4 of 7
Bank Mergers

Southern Bank, Poplar Bluff, Missouri -- to purchase the assets and assume the 

liabilities of First Southern Bank, Batesville, Arkansas, and to retain the acquired 

facilities as branches.

St. Louis

- Approved, December 17, 2010

Change in Bank Control

Community Bank Holdings of Texas, Inc., Corsicana, Texas -- to retain control of 

Community Bank Holdings and its subsidiary bank, Community National Bank and 

Trust of Texas, Corsicana.

Dallas

- Permitted, December 16, 2010

Doniphan Bancshares, Inc., Doniphan, Nebraska -- change in bank control of 

Doniphan Bancshares and its subsidiary bank, Bank of Doniphan, Doniphan.

Kansas City

- Permitted, December 16, 2010

First San Benito Bancshares Corporation, San Benito, Texas -- change in bank 

control of First San Benito Bancshares and its subsidiary bank, First Community 

Bank, National Association, San Benito.

Dallas

- Withdrawn, December 13, 2010

MBT Bancshares, Inc., Kansas City, Missouri -- to retain control of MBT Bancshares 

and its subsidiary bank, Missouri Bank and Trust Company, Kansas City.

Kansas City

- Permitted, December 15, 2010

H.2 Actions under delegated authority December 12, 2010 to December 18, 2010

(A/C) = Addition or Correction Delegated - 5 of 7
Extensions of Time

Ally Financial Inc., Detroit, Michigan -- extension to October 1, 2014, of the 

first-floor-period start date under the advanced approaches risk-based capital rule for 

bank holding companies.

Chair, Committee on Bank Supervision

- Granted, December 14, 2010

C-B-G, Inc., West Liberty, Iowa -- extension to March 13, 2011, to acquire 

additional shares of Washington Bancorp, Washington, and thereby increase its 

indirect interest in Washington Bancorp's subsidiary bank, Federation Bank.

Chicago

- Granted, December 13, 2010

International Operations

JPMorgan Chase & Co., New York, New York -- waiver of remainder of 

prior-notification period to invest in J.P. Morgan Chase International Holdings, 

London, United Kingdom, and modification of the aggregate investment limit of 

Regulation K.

Director, BS&R

- Granted, December 17, 2010

Membership

The Commercial National Bank of Ainsworth, Ainsworth, Nebraska -- to retain 

membership in the Federal Reserve System on conversion to a state-chartered bank, 

to be known as West Plains Bank.

Kansas City

- Approved, December 16, 2010

H.2 Actions under delegated authority December 12, 2010 to December 18, 2010

(A/C) = Addition or Correction Delegated - 6 of 7
Membership

Simmons First Bank of El Dorado, El Dorado, Arkansas -- to retain membership in 

the Federal Reserve System on conversion to a state charter.

Secretary

- Approved, December 16, 2010

Simmons First Bank of Hot Springs, Hot Springs, Arkansas -- to become a member 

of the Federal Reserve System.

Secretary

- Approved, December 16, 2010

Simmons First Bank of Northeast Arkansas, Jonesboro, Arkansas -- to become a 

member of the Federal Reserve System.

Secretary

- Approved, December 16, 2010

Simmons First Bank of Northwest Arkansas, Rogers, Arkansas -- to become a 

member of the Federal Reserve System.

Secretary

- Approved, December 16, 2010

Simmons First Bank of South Arkansas, Lake Village, Arkansas -- to become a 

member of the Federal Reserve System.

Secretary

- Approved, December 16, 2010

H.2 Actions under delegated authority December 12, 2010 to December 18, 2010

(A/C) = Addition or Correction Delegated - 7 of 7
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending December 18, 2010

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 December 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

Chemung Canal Trust Company, Elmira, New 12/12/2010

York (the "Applicant") for approval of the 

merger of Capital Bank & Trust Company, 

Albany, New York, pursuant to Section 18(c) of 

the Federal Deposit Insurance Act, with and 

into Applicant.

CHEMUNG CANAL TRUST 

COMPANY

Newspaper:

Federal Register:

* 3A3

* 3A5

12/15/2010

12/23/2010

Chemung Financial Corporation, Elmira, New 

York, to acquire Fort Orange Financial Corp., 

and thereby acquire its wholly owned 

subsidiary Capital Bank & Trust Company, both 

located in Albany, New York, pursuant to 

Sections 3(a)(3)and 3(a)(5) of the BHC Act and 

Section 225.14 of Regulation Y.

CHEMUNG FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

4c8 Not available

Chuo Mitsui Trust Holdings, Inc., Tokyo, 

Japan, to become a bank holding Company by 

acquiring The Sumitomo Trust and Banking Co., 

Ltd, Osaka, Japan, pursuant to Section 3(a)(1) of 

the BHC ACT of 1956, as amended, and 

indirectly acquire control of its wholly-owned 

subsidiary Sumitomo Trust and Banking 

Co.,(USA), Hoboken, New Jersey, and 

thereafter, engage in certain nonbanking 

activities pursuant to Sections 4(c)(8)and 4(j)of 

the BHC Act and Section 225.24 of Regulation 

Y.

Chuo Mitsui Trust and Holdings, 

Inc.

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 12/03/2010

First Niagara Financial Group, Inc., Buffalo, New 

York ("FNFG"), to acquire all of the shares of 

NewAlliance Bancshares, Inc., New Haven, 

Connecticut ("NAB, Inc.") and thereby NAB, 

Inc.'s subsidiary, NewAlliance Bank, New 

Haven Connecticut, and subsequently merge 

NAB, Inc. with and into FNFG.

FIRST NIAGARA FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

* 3A3

4c8

* 18C

* Branch

* 4c8

Not available

M&T Bank Corporation, Buffalo, New York, to 12/25/2010

acquire Wilmington Trust Corporation and 

thereby indirectly acquire Wilmington Trust 

Company, both of Wilmington, Delaware; and 

thereby indirectly to acquire Wilmington Trust 

FSB, Baltimore, Maryland, and other 

non-banking subsidiaries of Wilmington Trust 

Corporation and thereby operate a savings 

association and engage in other non-banking 

activities. Manufacturers and Traders Trust 

Company, Buffalo, New York, to purchase 

certain assets and assume certain liabilities of 

Wilmington Trust Company and Wilmington 

Trust FSB.

M&T BANK CORPORATION

* 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 December 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/08/2010

Warburg Pincus Private Equity S, L.P., New 

York, NY, to acquire up to 19.7% of National 

Penn Bancshares, Inc, Boyertown, PA.

WARBURG PINCUS PRIVATE 

EQUITY X, L.P.

* 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 December 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 11/06/2010

temporary branch at 8950 Weathered Stone Dr., 

Naples, FL to operate from 02/14/2011 through 

02/20/2011 during the ACE PGA Tournament.

FIFTH THIRD BANK

* 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 December 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Bank of McKenney, McKenney, Virginia, to 12/31/2010

establish a branch at 13117 Rivers Bend 

Boulevard, Chester, Virginia

BANK OF MCKENNEY

Newspaper:

Federal Register:

* 3A3 Not available

01/14/2011

Piedmont Community Bank Holdings, Inc., 

Raleigh, North Carolina, to acquire 100% of the 

voting shares of Community Bank of Rowan, 

Salisbury, North Carolina.

PIEDMONT COMMUNITY BANK 

HOLDINGS, INC.

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 December 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 12/28/2010

establish a branch located at 3045 East Riggs 

Road, Chandler, Arizona, to be known as the 

Gilbert and Riggs branch.

COMPASS BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 12/28/2010

establish a branch located at 10923 East 

Baseline Road, Mesa, Arizona, to be known as 

the Baseline and Signal Butte Branch.

COMPASS BANK

Newspaper:

Federal Register:

* 3A5 01/07/2011

01/06/2011

First Guaranty Bancshares, Inc., Hammond, 

Louisiana, to merge with Greensburg 

Bancshares, Inc., and thereby acquire its 

subsidiary, Bank of Greensburg, both of 

Greensburg, Louisiana.

FIRST GUARANTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 12/28/2010

establish a branch located at 1720 Manhattan 

Boulevard, Harvey, Louisiana.

IBERIABANK

* 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

 648130 COCONUT GROVE BK, MIAMI, FLORIDA 05/24/2010 09/13/2010 S Large 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 December 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/23/2010

Notice by Betty J. Bradshaw 2000 Irrevocable 

Trust dated 10/30/00-Charles M. Shea, Trustee, 

to acquire shares of First Community 

Bancshares Corp., Anamosa, Iowa, and thereby 

indirectly acquire shares of First Community 

Bank, Milton, Wisconsin.

FIRST COMMUNITY 

BANCSHARES CORP.

* 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 December 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Bancshares of Urbana, Inc., Urbana, Missouri, 

to engage in lending activities.

BANCSHARES OF URBANA, 

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

NONE

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 December 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/04/2011

Notice by Karl J. Breyer, Minneapolis, 

Minnesota, to acquire 10 percent or more of the 

shares of First Advantage Bancshares, Inc., 

Coon Rapids, Minnesota, and thereby indirectly 

gain control of First Advantage Bank, Coon 

Rapids, Minnesota. In addition, notice by 

Richard M. Ihrig, and Colleen J. Cooper, both of 

Minneapolis, Minnesota, to jointly acquire 10 

percent or more of the shares of First 

Advantage Bancshares, Inc., Coon Rapids, 

Minnesota, and thereby indirectly gain control 

of First Advantage Bank, Coon Rapids, 

Minnesota.

FIRST ADVANTAGE 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

12/17/2010

Change in control notice by Rick E. Skates and 

Kathy A. Skates, both of Polson, Montana, 

individually, and with Scott Farley and Natalie 

Farley, both of Enterprise, Alabama, Richard 

Pedersen, Everett, Washington, and Debbie 

Denton, Polson, Montana, as a group acting in 

concert, to acquire and retain 25 percent or more 

of the shares of Flathead Lake Bancorporation, 

Inc., Polson, Montana, and thereby indirectly 

acquire and retain control of First Citizens Bank 

of Polson, National Association, Polson, 

Montana.

FLATHEAD LAKE 

BANCORPORATION, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending December 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/10/2011

01/12/2011

Citizens National Corporation, Wisner, 

Nebraska to acquire up to an additional 2 

percent for a total of 34.33 percent of the voting 

shares of Republic Corporation, parent of 

United Republic Bank, both in Omaha, 

Nebraska.

CITIZENS NATIONAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

01/14/2011

Commerce Bank and Trust Holding Company 

Employee Stock Ownership Plan, to acquire an 

additional 3.78 percent for up to 35.8 percent of 

the voting shares of Commerce Bank and Trust 

Holding Company, parent of CoreFirst Bank & 

Trust, all in Topeka, Kansas.

COMMERCE BANK AND TRUST 

HOLDING COMPANY 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

CIC Not available

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 Not available

01/07/2011

Notice submitted by Tribble Family Partners, 

L.P.; Vera Tribble, general partner; David 

Tribble, limited partner; all of Unionville, 

Missouri; and Diana Bennett, limited partner, 

Bethany, Missouri, to retain control of Northern 

Missouri Bancshares, Inc., parent of Farmers 

Bank of Northern Missouri, National 

Association, both in Unionville, Missouri.

NORTHERN MISSOURI 

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

NONE

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 December 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/01/2011

01/03/2011

Carlile Bancshares, Inc., Fort Worth, Texas, to 

acquire 100 percent of Community State Bank, 

Austin, Texas.

CARLILE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 12/17/2010

12/17/2010

Commercial Bancshares, Inc., Humble, Texas, to 

become a bank holding company by acquiring 

75 percent of El Campo Bancshares, Inc., El 

Campo, Texas, and indirectly acquire 

Commercial State Bank of El Campo, El Campo, 

Texas.

COMMERCIAL BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

01/10/2011

Connemara Bancorp, Inc., Dallas, Texas, to 

become a bank holding company by acquiring 

100 percent of First Amherst Bancshares, Inc., 

Amherst, Texas, and indirectly acquire First 

National Bank, Amherst, Texas.

CONNEMARA BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Southwest Bank, Fort Worth, Texas, to 12/24/2010

establish a branch to be located at Jerome Street 

& Rosedale Street, Fort Worth, Texas 76110.

SOUTHWEST 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 December 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

4c8 11/22/2010

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management Company, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community Bancfund-A, L.P., Carpenter 

Community Bancfund-CA, L.P., CGB Holdings, 

Inc., CCFW, Inc., and SCJ, Inc., all of Irvine, 

California, to acquire 100 percent of Professional 

Business Bank, Pasadena, California, in 

connection with the merger of Professional 

Business Bank with and into California General 

Bank, Pasadena, California; and 2)CGB 

Holdings, Inc., Irvine, California, to form a 

wholly-owned subsidiary, CGB Asset 

Management, Inc., Irvine, California, to engage 

in extending credit and servicing loans, 

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

Y.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

CIC Not available

12/17/2010

1)LG C-Co, LLC, Green Equity Investors V, L.P., 

Leonard Green & Partners, L.P., Green Equity 

Investors Side V, L.P., GEI V Offshore Investors, 

L.P., GEI V Special Investors, L.P., Green V 

Holdings, LLC, GEI Capital V, LLC, and LGP 

Management, Inc., all of Los Angeles, 

California, John G. Danhakl, Pacific Palisades, 

California, Peter J. Nolan, Manhattan Beach, 

California; and Jonathan D. Sokoloff, Los 

Angeles, California, to acquire 10 percent or 

more of Cascade Bancorp, and thereby 

indirectly acquire control of Bank of the 

Cascades, both of Bend, Oregon; and 2) 

Cascade Bancorp, Bend, Oregon, to appoint 

Michael John Connolly as a Director.

CASCADE BANCORP

Newspaper:

Federal Register:

CIC Not available

12/17/2010

1) WLR CB AcquisitionCo LLC, WL Ross & Co. 

LLC, WLR Recovery Fund IV, L.P., WLR IV 

Parallel ESC, L.P. IV, Invesco North America 

Holdings, Inc., Invesco WLR IV Associates 

LLC, WLR Recovery Associates IV LLC, WL 

Ross Group L.P., El Vedado LLC, all of New 

York, New York, Wilbur L. Ross, Jr., Palm Beach, 

Florida, Invesco Ltd., Invesco Group Services, 

IVZ, Inc., Invesco Group Services, Inc., Invesco 

Advisers, Inc., Invesco Private Capital, Inc.,all 

of Atlanta, Georgia, Invesco Holding Company 

Limited, London, United Kingdom, and Invesco 

AIM Management Group, Inc., Houston, Texas, 

to acquire 10 percent or more of Cascade 

Bancorp, and thereby indirectly acquire control 

of Bank of the Cascades, both of Bend, Oregon; 

and 2) Cascade Bancorp, Bend, Oregon, to 

appoint James Bicknell Lockhart III as a 

Director.

CASCADE BANCORP

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

Federal Reserve Bank of San Francisco

Filings received during the week ending December 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/20/2010

BOTC Holdings LLC and persons that are 

acting with or control BOTC Holdings LLC 

(Lightyear Fund II, L.P., Lightyear Co-Invest 

Partnership II, L.P., Lightyear Fund II GP, L.P., 

Lightyear Fund II GP Holdings, LLC, Marron & 

Associates, LLC, Chestnut Venture Holdings, 

LLC, Lightyear Capital II, LLC, Lightyear Capital 

LLC and Donald B. Marron), all of New York, 

New York, to acquire 24.35 percent of Cascade 

Bancorp, and thereby indirectly acquire control 

of The Bank of the Cascades, both of Bend, 

Oregon.

CASCADE BANCORP

Newspaper:

Federal Register:

CIC Not available

12/17/2010

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.

CENTRAL PACIFIC FINANCIAL 

CORP.

Newspaper:

Federal Register:

CIC Not available

Not available

Marc Jonathan Foulkrod and Jamie Foulkrod, 

both of Moorpark, California, to acquire 

additional voting shares of Mission Valley 

Bancorp, Sun Valley, California, and thereby 

indirectly acquire shares of Mission Valley 

Bank, Sun Valley, California.

MISSION VALLEY BANCORP

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Oak Valley Community Bank, Oakdale, 

California, to establish a branch office at 3508 

McHenry Avenue, Modesto, California.

OAK VALLEY COMMUNITY 

BANK

Newspaper:

Federal Register:

Foreign Branch Not applicable

Not applicable

Notification by Union Bank NA for the Calgary, 

Canada branch to engage in new activities 

pursuant to section 211.4 (b) of Regulation K.

UNION BANK, NATIONAL 

ASSOCIATION

* 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