Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 43 

Week Ending October 23, 2010

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

Management Division -- appointment of Charles O'Malley as associate director and 

Billy Sauls as senior adviser, effective October 24, 2010.

- Announced, October 21, 2010

Regulations and Policies

College Credit Card Agreements -- annual report to Congress under the Credit Card 

Accountability Responsibility and Disclosure Act regarding agreements between 

credit card issuers and institutions of higher education or certain affiliated 

organizations that provide for the issuance of credit cards to college students.

- Approved, October 15, 2010

(A/C)

Credit Risk Retention -- report to Congress under the Dodd-Frank Act on the 

potential impact of credit risk retention requirements on securitization markets.

- Approved, October 18, 2010

Regulation E (Electronic Fund Transfers) -- final rule to implement legislation 

modifying the effective date of certain disclosure requirements applicable to gift 

cards under the Credit Card Accountability Responsibility and Disclosure Act.

- Approved, October 18, 2010

Regulation Z (Truth in Lending) -- publication for comment of amendments to clarify 

certain aspects of the rules implementing the Credit Card Accountability 

Responsibility and Disclosure Act in order to enhance protections for consumers who 

use credit cards.

- Approved, October 18, 2010

Regulation Z (Truth in Lending) -- interim final rule with request for comment under 

the Dodd-Frank Act to ensure that real estate appraisers are free to use their 

independent professional judgment in assigning home values without influence or 

pressure from those with interests in the transactions.

- Approved, October 18, 2010

H.2 Board Actions October 17, 2010 to October 23, 2010

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

1st Financial Services Corporation, Hendersonville, North Carolina -- written 

agreement with the Federal Reserve Bank of Richmond.

- Announced, October 19, 2010

Highlands Bankshares, Inc., Abingdon, Virginia, and Highlands Union Bank -- 

written agreement with the Federal Reserve Bank of Richmond.

- Announced, October 19, 2010

Persons Banking Company, Inc., Macon, Georgia -- written agreement with the 

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

Georgia.

- Announced, October 19, 2010

H.2 Board Actions October 17, 2010 to October 23, 2010

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSD Office of Staff Director

October 17, 2010 to October 23, 2010

Bank Branches, Domestic

Comerica Bank, Dallas, Texas -- to establish branches at 2875 West Wheatland 

Road, Dallas; 12035 Foothill Boulevard, Rancho Cucamonga, California; and 

1 South Federal Highway, Boca Raton, Florida.

Dallas

- Approved, October 22, 2010

Ohio Valley Financial Group, Inc., Henderson, Kentucky -- to establish a branch at 

7516 Eagle Crest Boulevard, Suite E, Evansville, Indiana.

St. Louis

- Approved, October 20, 2010

Bank Holding Companies

BancFirst Corporation, Oklahoma City, Oklahoma -- to acquire Exchange 

Bancshares of Moore, Inc., Moore, and Exchange National Bank.

Kansas City

- Approved, October 20, 2010

Eastern Bank Corporation, Boston, Massachusetts -- to acquire Wainwright Bank & 

Trust Company, Boston.

Boston

- Approved, October 21, 2010

Everest Bancshares, Inc., Everest, Kansas -- to acquire Bancshares of McLouth, Inc., 

McLouth, and Bank of McLouth.

Kansas City

- Approved, October 22, 2010

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

FSC Bancshares, Inc., Cameron, Missouri -- waiver of application to acquire Fairfax 

Bancshares, Inc., Fairfax, in connection with the merger of their respective subsidiary 

banks, Farmers State Bank, Cameron, and Exchange Bank of Fairfax, Fairfax.

Kansas City

- Granted, October 22, 2010

Grandpoint Capital, Inc., Los Angeles, California -- to acquire Southern Arizona 

Community Bank, Tucson, Arizona.

San Francisco

- Approved, October 21, 2010

Hometown Community Bancorp, Inc., Morton, Illinois, and Hometown Community 

Bancorp, Inc. Employee Stock Ownership Plan and Trust -- to merge with CSBC 

Financial Corporation, Cropsey, and thereby acquire Citizens State Bank of Cropsey; 

and for Morton Community Bank, Morton, to merge with Citizens State Bank of 

Cropsey and thereby establish branches.

Chicago

- Approved, October 21, 2010

People's United Financial, Inc., Bridgeport, Connecticut -- waiver of applications to 

merge Smithtown Bancorp, Inc., Hauppauge, New York, and LSB Corporation, 

North Andover, Massachusetts, with People's, in connection with the mergers of their 

subsidiary banks, The Bank of Smithtown, Smithtown, New York, and River Bank, 

North Andover, respectively, with and into People's subsidiary bank, People's United 

Bank, Bridgeport.

New York

- Granted, October 20, 2010

H.2 Actions under delegated authority October 17, 2010 to October 23, 2010

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

Taylor Capital Group, Inc., Rosemont, Illinois -- to purchase loans from its 

subsidiary bank, Cole Taylor Bank, Chicago, and thereby engage in extending credit 

and servicing loans.

Chicago

- Approved, October 22, 2010

TLCM Holdings, LLC, Richardson, Texas -- to become a bank holding company and 

to acquire EJ Financial Corp., Dallas; EJ Delaware Bancshares, Inc., Dover, 

Delaware; and Equity Bank, SSB, Dallas, Texas.

Dallas

- Approved, October 19, 2010

Change in Bank Control

Cass County State Company, Plattsmouth, Nebraska -- to retain control of Cass 

County State and its subsidiary bank, Cass County Bank, Plattsmouth.

Kansas City

- Permitted, October 19, 2010

Extensions of Time

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

Illinois -- extension to January 22, 2011, to increase its ownership of Minier 

Financial, Inc., Minier, and thereby increase its indirect ownership of First Farmers 

State Bank, Minier.

Chicago

- Granted, October 18, 2010

H.2 Actions under delegated authority October 17, 2010 to October 23, 2010

(A/C) = Addition or Correction Delegated - 3 of 4
International Operations

JPMorgan Chase & Co., New York, New York -- modification of the aggregate 

investment limit of Regulation K in connection with an internal reorganization 

involving a United Kingdom-based subsidiary.

Director, BS&R

- Approved, October 22, 2010

Wachovia International Banking Corporation, Charlotte, North Carolina -- to amend 

its articles of association to change its name to Wells Fargo International Banking 

Corporation.

Secretary

- Approved, October 20, 2010

Regulations and Policies

Regulation D (Reserve Requirements of Depository Institutions) -- final rule 

implementing the annual indexing of the low reserve tranche, reserve requirement 

exemption amount, nonexempt deposit cutoff level, and reduced reporting limit 

for 2011.

Director, MA

- Approved, October 21, 2010

H.2 Actions under delegated authority October 17, 2010 to October 23, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending October 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

10/22/2010

Rockville Financial, Rockville, Connecticut, to 

acquire 100% of the outstanding capital stock of 

Rockville Bank, Rockville, Connecticut pursuant 

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

with the reorganization of Rockville Financial, 

MHC, Rockville, Connecticut, from mutual to 

stock form.

ROCKVILLE FINANCIAL, INC.

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending October 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Agricultural Bank of China Limited, Beijing, 11/03/2010

China, to upgrade its New York representative 

office to a branch office pursuant to Section 

211.24(a)(1) of Regulation K.

AGRICULTURAL BANK OF 

CHINA, THE

Newspaper:

Federal Register:

* Branch

Not applicable

Banco Popular North America, New York, New 10/29/2010

York, to open a branch office to be located at 

191 South Imperial Highway, Anaheim, 

California.

BANCO POPULAR NORTH 

AMERICA

Newspaper:

Federal Register:

FBSEA

Not applicable

The Bank of Fukuoka, Fukuoka, Japan, to 11/20/2010

establish a representative office in New York, 

New York, pursuant to Section 10(a) of the 

International Banking Act of 1978, as amended 

and Section 211.24(a)(1) of Regulation K.

BANK OF FUKUOKA, LTD., THE

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

JPMorgan Chase & Co., New York, New York, 

to make and additional investment in J.P. 

Morgan Chase International Holdings, pursuant 

to Section 211.9(f) of Regulation K and to 

request a waiver from the aggregate investment 

limit in Section 211.9(b)(6) of Regulation K.

JPMORGAN CHASE & CO.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

UBS AG, Zurich, Switzerland, to establish two 

limited branches located at (1) 499 Washington 

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

Perimeter Hill Drive, Nashville, Tennessee, 

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

Regulation K.

UBS AG

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 October 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

New Century Bank, d/b/a Customers Bank, 

Phoenixville, PA to establish a branch office 

located at 2419 Nottingham Way, Hamilton, NJ.

CUSTOMERS BANK B*B

Newspaper:

Federal Register:

CIC Not available

11/09/2010

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 October 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending October 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Mr. William Lee Hale and the William Lee Hale 

Trust, both of Bland, Virginia, acting in concert 

to retain control 20.86% of the voting shares of 

First Regions Bancshares, Inc., Richlands, 

Virginia.

FIRST REGION BANCSHARES, 

INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

MIddleburg Financial Corporation, MIddleburg, 

Virginia, to retain 7.5% ownership the 

Davenport Financial Fund, LLC.

MIDDLEBURG FINANCIAL 

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 October 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Florida Bank, Tampa, Florida, to merge with 

Anderen Bank, Palm Harbor, Florida.

FLORIDA BANK

Newspaper:

Federal Register:

CIC 10/28/2010

10/18/2010

Prior change in control notice filed by Camp 

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

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

both of Atlanta, Georgia, to acquire 17.98 

percent of the outstanding shares of FMCB 

Holdings, Inc., and its subsidiary, First Choice 

Community Bank, both of Dallas, Georgia.

FMCB HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A1

* 3A5

* 18C

* Branch

11/16/2010

11/19/2010

Franklin Acquisition Company, LLC, Tampa, 

Florida, to become a bank holding company by 

acquiring 100 percent of the outstanding shares 

of Anderen Financial, Inc., and its subsidiary, 

Anderen Bank, both of Palm Harbor, Florida; In 

addition, the related filings by Florida Bank 

Group, Inc., to merge with Franklin Acquisition 

Company, LLC, both of Tampa, Florida, and 

thereby acquire Anderen Financial, Inc., and its 

subsidiary, Anderen Bank, both of Palm Harbor, 

Florida; and Florida Bank, Tampa, Florida, to 

merge with Anderen Bank, Palm Harbor, Florida.

Franklin Acquisition Company, 

LLC

Newspaper:

Federal Register:

* 3A1 11/15/2010

10/29/2010

PFGBI, LLC, McDonough, Georgia, to become a 

bank holding company by acquiring 

approximately 50.8 percent of the outstanding 

shares of Montgomery County Bankshares, 

Inc., and its subsidiary, Montgomery Bank & 

Trust, both of Ailey, Georgia.

PFGBI, LLC

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 23, 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.

Newspaper:

Federal Register:

* 3A3 11/15/2010

11/12/2010

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

acquire 100 percent of Farmers State Holding 

Company, Marion, South Dakota, and thereby 

indirectly acquire Farmers State Bank, Marion, 

South Dakota.

FIRST STATE ASSOCIATES, 

INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Fort Madison Bank & Trust Co., Fort Madison, 

Iowa, to purchase certain assets and assume 

certain liabilities of the Burlington, Iowa branch 

of Valley Bank, Moline, Illinois; and to establish 

a branch at 3140 Agency Street, Suite 100, 

Burlington, Iowa.

FORT MADISON BANK & 

TRUST CO.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Marcelo L. Sacomori, London, 

England, to increase ownership from 9.9 percent 

to 51 percent of Granville Bancshares, Inc., 

Granville, Illinois, and thereby indirectly acquire 

Granville National Bank, Granville, Illinois and 

Sheridan State Bank, Sheridan, Illinois.

GRANVILLE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 10/30/2010

10/28/2010

Rigler Investment Co., New Hampton, Iowa, to 

acquire 100 percent of State Bank & Trust 

Company, Waverly, Iowa.

RIGLER INVESTMENT CO.

Newspaper:

Federal Register:

* 3A3

Not available

Vogel Bancshares, Inc., Orange City, Iowa, to 11/06/2010

acquire up to 100 percent of the voting shares 

of Farmers Savings Bank, Remsen, Iowa.

VOGEL BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/04/2010

Zaring Group Holdings LLC., Riverwoods, 

Illinois, to become a bank holding company by 

acquiring 75.1 percent of the voting shares of 

First Suburban Bancorp Corporation, 

Maywood, Illinois, and thereby indirectly 

acquire First Suburban National Bank, 

Maywood, Illinois.

ZARING GROUP HOLDINGS LLC

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 247140 OREGON CMNTY B&TC, OREGON, WISCONSIN 06/07/2010 10/14/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending October 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

First Bank, Creve Coeur, Missouri, to establish a 10/26/2010

branch facility to be located at 12301 Wilshire 

Boulevard, Los Angeles, California.

FIRST BANK

Newspaper:

Federal Register:

* 3A5 11/15/2010

11/15/2010

German American Bancorp, Inc., Jasper, Indiana, 

to merge with American Community Bancorp, 

Inc., Evansville, Indiana, and thereby indirectly 

acquire Bank of Evansville, Evansville, Indiana.

GERMAN AMERICAN 

BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 11/18/2010

11/19/2010

Woolfam VI SLB, LLC, Maryland Heights, 

Missouri, to become a bank holding company 

by controlling 32.5 percent of St. Louis 

Bancshares, Inc., Town and Country, Missouri, 

and thereby indirectly acquire St. Louis Bank, 

Town and Country, Missouri.

WOOLFAM VI SLB, LLC

* 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 October 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 11/19/2010

11/19/2010

Frandsen Financial Corporation, Arden Hills, 

Minnesota, to acquire 100 percent of Island 

Financial Corporation, Bird Island, Minnesota, 

and thereby indirectly acquire State Bank of 

Bird Island, Bird Island, Minnesota.

FRANDSEN FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC 11/08/2010

10/28/2010

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

Tolna, North Dakota, individually and as part of 

a group acting in concert with Steven R. Engen, 

Bismarck, North Dakota, to retain and acquire 25 

percent or more of the shares of Tolna Bancorp, 

Inc., Tolna, North Dakota, and thereby 

indirectly retain and acquire control of The 

Farmers & Merchants State Bank of Tolna, 

Tolna, North Dakota.

TOLNA BANCORP, INC.

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending October 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by Larry L. Bingham, Baxter 

Springs, Kansas; Ross C. Hartley, Teton Village, 

Wyoming; Fred Mitchelson, Pittsburg, Kansas; 

and Bob L. Robinson, Baxter Springs, Kansas, 

to acquire control of American BancShares, Inc., 

Baxter Springs, Kansas, parent of American 

Bank of Baxter Springs, Baxter Springs, Kansas.

AMERICAN BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 11/12/2010

11/05/2010

Central Agency, Inc., Lincoln, Nebraska, to 

become a bank holding company through the 

acquisition of 31.7354 percent of the voting 

shares of Farm & Home Insurance Agency, Inc., 

parent of First National Bank Northeast, both in 

Lyons, Nebraska.

CENTRAL AGENCY, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

FirstBank, Lakewood, Colorado, to establish a 10/27/2010

de novo branch at 16326 West Yuma Road, 

Goodyear, Arizona.

FIRSTBANK

Newspaper:

Federal Register:

CIC Not available

11/10/2010

Notice submitted by J. Grant Burcham,as trustee 

of the James Grant Burcham Trust, Kansas City, 

Missouri, to retain control of MBT Bancshares, 

Inc., Kansas City, Missouri, parent of Missouri 

Bank and Trust Company, Kansas City, 

Missouri.

MBT 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

 325459 FIRST ST BK IN TEMPLE, TEMPLE, OKLAHOMA 07/12/2010 10/07/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending October 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas, to establish a 11/02/2010

branch to be located at 9200 W. Sunset Blvd., 

West Hollywood, California 90069

COMERICA BANK

Newspaper:

Federal Register:

CIC Not available

11/10/2010

Notice by Byron Cook, Ginne Sue Cook, Katie 

Cook, Lance Cook, Karen Cook, and Nina Sue 

Cook,all in Corsicana, Texas, collectively the 

Cook Family - Notificants, to retain 10 percent or 

more of the shares of Community Bank 

Holdings of Texas, Inc., Corsicana, Texas, and 

indirectly Community National Bank and Trust 

of Texas, Corsicana, Texas.

COMMUNITY BANK HOLDINGS 

OF TEXAS, INC.

Newspaper:

Federal Register:

CIC Not available

10/18/2010

Notice by Henry Lewis Gallegly and Marjorie 

Clair Gallegly, Dalhart, Texas, to increase their 

ownership and control from 11.2 percent to 

19.07 percent of First Dalhart Bancshares, Inc., 

Dalhart, Texas, and indirectly First National 

Bank in Dalhart, Dalhart, Texas.

FIRST DALHART 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1

4c8

11/06/2010

10/28/2010

Woodforest Financial Group Employee Stock 

Ownership Plan (with 401(k)Provisions) 

(Amended and Restated Effective March 1, 

2006) and the related Woodforest Financial 

Group Employee Stock Ownership Trust, The 

Woodlands, Texas, collectively the Applicant, 

to become a bank holding company by 

acquiring up to 30 percent of Woodforest 

Financial Group, Inc., The Woodlands, Texas, 

and indirectly acquire Woodforest National 

Bank, Houston, Texas.

Woodforest Financial Group Employee Stock 

Ownership Plan (with 401(k)Provisions) 

(Amended and Restated Effective March 1, 

2006) and the related Woodforest Financial 

Group Employee Stock Ownership Trust, The 

Woodlands, Texas, collectively the Notificant, 

to acquire a savings association pursuant to 

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

Woodforest Financial Group, Inc., The 

Woodlands, Texas, and indirectly Woodforest 

Bank, FSB, Refugio, Texas.

WOODFOREST FINANCIAL 

GROUP EMPLOYEE STOCK 

OWNERSHIP PLAN (WITH 

401(K) PROVISIONS) (AMENDED 

AND RESTATED EFF. 03/01/06)

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending October 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/15/2010

Anchor Bancorp, Inc., Lacey, Washington, to 

become a bank holding company by acquiring 

100 percent of Anchor Mutual Savings Bank, 

Aberdeen, Washington, upon conversion from 

a mutual savings bank to a stock savings bank.

ANCHOR BANCORP, INC.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act