Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 46 

Week Ending November 13, 2010

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

Forms -- final Board review to extend without revision the Recordkeeping and 

Disclosure Requirements Associated with Regulation V (Regulation V).

- Approved, November 8, 2010

Forms -- initial Board review to extend with revision the Application for 

Employment with the Board of Governors of the Federal Reserve System (FR 28) 

and Ongoing Intermittent Survey of Households (FR 3016), and to extend without 

revision the Recordkeeping Requirements Associated with the Real Estate Lending 

Standards Regulation for State Member Banks (Reg H-5).

- Proposed, November 7, 2010

Personnel

Office of Inspector General -- appointment of Harvey Witherspoon, Andrew Patchan, 

Anthony Castaldo, Jacqueline M. Becker, and Elise Ennis as associate inspectors 

general.

- Announced, November 10, 2010

Enforcement

Bank of Choice Holding Company, Greeley, Colorado -- written agreement with the 

Federal Reserve Bank of Kansas City.

- Announced, November 9, 2010

Cascade Financial Corporation, Everett, Washington -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, November 9, 2010

Crete Bancorporation, Inc., Crete, Illinois -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, November 9, 2010

H.2 Board Actions November 7, 2010 to November 13, 2010

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

November 7, 2010 to November 13, 2010

Bank Branches, Domestic

Banco Popular North America, New York, New York -- to establish a branch at 

191 South Imperial Highway, Anaheim, California.

Secretary

- Approved, November 8, 2010

Comerica Bank, Dallas, Texas -- to establish a branch at 9200 West Sunset 

Boulevard, West Hollywood, California.

Dallas

- Approved, November 9, 2010

Independent Bank, Ionia, Michigan -- to establish branches at 800 Washington 

Avenue, Bay City; 12 Washington Street, Grand Haven; and 6 East Main Street, 

Freemont.

Chicago

- Withdrawn, November 8, 2010

New Century Bank, dba Customers Bank, Phoenixville, Pennsylvania -- to establish a 

branch at 2419 Nottingham Way, Hamilton, New Jersey.

Philadelphia

- Approved, November 10, 2010

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

Anchor Bancorp, Inc., Lacey, Washington -- to become a bank holding company and 

to acquire Anchor Mutual Savings Bank, Aberdeen, upon its conversion from a 

mutual savings bank to a stock savings bank.

San Francisco

- Approved, November 10, 2010

First Holding Company of Park River, Inc., Park River, North Dakota -- to acquire 

First Sharon Holding Company, Inc., Aneta, and thereby indirectly acquire First State 

Bank of Sharon, Sharon; and for Sheyenne Bancorp, Inc., Park River, to become a 

bank holding company and to acquire First Sharon Holding Company, Inc., Aneta, 

and thereby indirectly acquire First State Bank of Sharon, Sharon.

Minneapolis

- Approved, November 12, 2010

Ida Grove Bancshares, Inc., Ida Grove, Iowa -- waiver of application to acquire 

Moorhead State Bank, Moorhead, in connection with its merger with and into Ida 

Grove's subsidiary bank, United Bank of Iowa, Ida Grove.

Chicago

- Granted, November 12, 2010

Liberty Bank, Middletown, Connecticut -- waiver of application to acquire 

Connecticut River Community Bank, Wethersfield, through the merger with and into 

Liberty Bank.

Boston

- Granted, November 12, 2010

Middleburg Financial Corporation, Middleburg, Virginia -- to retain an ownership 

interest in the Davenport Financial Fund, LLC.

Richmond

- Withdrawn, November 12, 2010

H.2 Actions under delegated authority November 7, 2010 to November 13, 2010

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

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 thereby establish a branch at 3140 Agency Street, Burlington.

Chicago

- Approved, November 12, 2010

Change in Bank Control

North Valley Bancshares, Inc., Zanesville, Ohio -- change in bank control of North 

Valley and its subsidiary bank, North Valley Bank, Zanesville.

Cleveland

- Permitted, November 12, 2010

Extensions of Time

A.N.B. Holding Company, Ltd., Terrell, Texas -- extension to February 13, 2011, to 

acquire additional shares of The ANB Corporation, Terrell, and indirectly acquire 

The American National Bank of Texas; Lakeside Bancshares, Inc., Rockwall; and 

Lakeside National Bank.

Dallas

- Granted, November 9, 2010

Bank of Choice Holding Company, Greeley, Colorado -- extension to February 9, 

2011, to engage in lending activities.

Kansas City

- Granted, November 9, 2010

H.2 Actions under delegated authority November 7, 2010 to November 13, 2010

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

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri -- extension 

to February 25, 2011, to increase its ownership of Cabool Bancshares, Inc., Cabool, 

and thereby increase its indirect control of Cabool State Bank.

St. Louis

- Granted, November 10, 2010

H.2 Actions under delegated authority November 7, 2010 to November 13, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending November 13, 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 November 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

11/24/2010

Deutsche Bank Aktiengesellschaft, Frankfurt, 

Germany, to acquire up to 100 percent of the 

voting shares of PB Capital Corporation and PB 

(USA) Realty Corporation, both of New York, 

New York, and thereby engage in brokering, 

servicing loans and other extensions of credit, 

and in commercial real estate lending and 

leasing, pursuant to Sections 225.28(b)(1) and 

(b)(3), of Regulation Y.

DEUTSCHE BANK 

AKTIENGESELLSCHAFT

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:

FBSEA

Not applicable

UBS AG, Zurich, Switzerland, to establish two 11/14/2010

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 November 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

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 November 13, 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 November 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

FA Capital, LLC. and Community Bank 

Investors of America, L.P., both located in 

Richmond, Virginia, to retain 9.86% of the 

voting securities of ICB Financial, Ontario, 

California.

FA CAPITAL, LLC

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Royal Bank of Canada, Montreal, Canada, to 

indirectly acquire BlueBay Asset Management 

USA LLC, Darien, Connecticut, through 

BlueBay Asset Management plc, London, 

England, and to engage in financial and 

investment advisory activities.

ROYAL BANK OF CANADA

* 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 November 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

Not applicable

IBERIABANK, Lafayette, Louisiana, to merge 12/06/2010

with IBERIABANK-Arkansas, Little Rock, 

Arkansas (currently IBERIABANK, fsb), upon 

its conversion to a state chartered bank, upon 

its conversion to a state chartered bank.

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

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 November 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/22/2010

11/30/2010

Notice by Fred Diefenbaugh, Huntington, 

Indiana, to retain control of 10 percent or more 

of the voting shares of Bippus State 

Corporation, Huntington, Indiana, and thereby 

indirectly retain control of Bippus State Bank, 

Huntington, Indiana.

BIPPUS STATE CORPORATION

Newspaper:

Federal Register:

* 3A1 11/15/2010

12/09/2010

Chestnut Bancorp,Inc., Chestnut, Illinois, to 

become a bank holding company by acquiring 

100 percent of the voting shares of Bank of 

Chestnut, Chestnut, Illinois.

CHESTNUT BANCORP, INC

Newspaper:

Federal Register:

CIC Not available

11/26/2010

Notice by Robert John Dentel, Victor, Iowa, and 

Mary P. Howell, Ames, Iowa, individually, and 

the Robert John Dentel Family (Robert J. Dentel, 

Patricia A. Dentel, and three minor children) all 

of Victor, Iowa, and the Mary P. Howell Family 

(Mary P. Howell, Stephen J. Howell, and three 

minor) all of Ames, Iowa, for permission for each 

Family to control more than 25 percent of the 

shares of Dentel Bancorporation, Victor, Iowa, 

and thereby indirectly control of Victor State 

Bank, Victor, Iowa; Corydon State Bank, 

Corydon, Iowa; First State Bank of Colfax, 

Colfax, Iowa; Maxwell State Bank, Maxwell, 

Iowa; Pocahontas State Bank, Pocahontas, 

Iowa; and Panora State Bank, Panora, Iowa.

DENTEL BANCORPORATION

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 Not available

11/26/2010

Peoples Bancorp, Inc., Prairie du Chien, 

Wisconsin, to acquire 100 percent of the voting 

shares of Woodhouse & Bartley Bank, 

Bloomington, Wisconsin.

PEOPLES BANCORP, 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

 87047 FIRST ST BK OF PORTER, PORTER, INDIANA 06/14/2010 10/25/2010 S Small Bank

 184142 LAPEER CTY B&TC, LAPEER, MICHIGAN 05/17/2010 10/22/2010 S Small Bank

 983448 M&I MARSHALL & ILSLEY BK, MILWAUKEE, WISCONSIN 02/16/2009 10/25/2010 O Large Bank

 474245 VILLA GROVE ST BK, VILLA GROVE, ILLINOIS 05/17/2010 10/22/2010 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 November 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 12/02/2010

12/06/2010

Carlson Bancshares, Inc., West Memphis, 

Arkansas, to acquire no more than 9.99 percent 

of Central Bancshares, Inc., Little Rock, 

Arkansas and thereby indirectly acquire Central 

Bank, Little Rock, Arkansas.

CARLSON BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 12/04/2010

12/06/2010

Cross County Bancshares, Inc., Wynne, 

Arkansas, to acquire no more than 24.99 percent 

of Central Bancshares, Inc., Little Rock, 

Arkansas and thereby indirectly acquire Central 

Bank, Little Rock, Arkansas.

CROSS COUNTY BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A3 12/03/2010

12/06/2010

Lonoke Bancshares, Inc., Lonoke, Arkansas, to 

acquire no more than 24.99 percent of Central 

Bancshares, Inc., Little Rock, Arkansas and 

thereby indirectly acquire Central Bank, Little 

Rock, Arkansas.

LONOKE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 12/13/2010

12/12/2010

M&P Community Bancshares, Inc. 401(k) 

Employee Stock Ownership Plan, Newport, 

Arkansas, to acquire additional shares of M&P 

Community Bancshares, Inc., Newport, 

Arkansas, for a total of ownership of up to 32.07 

percent.

M&P COMMUNITY 

BANCSHARES, INC. 401(K) 

EMPLOYEE STOCK OWNERSHIP 

PLAN

* 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 November 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

11/29/2010

Bigfork Bancshares, Inc., Bigfork, Minnesota, to 

acquire 100 percent of Kelliher Bancshares Inc., 

Kelliher, Minnesota, and thereby indirectly 

acquire Citizens State Bank of Kelliher, Kelliher, 

Minnesota.

BIGFORK BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

12/13/2010

Retroactive application by Bitterroot Holding 

Company, Lolo, Montana, to increase its 

ownership from 31.9% to 34.9% of West One 

Bank, Kalispell, Montana.

BITTERROOT HOLDING 

COMPANY

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Midwest Bank Group, Detroit Lakes, Minnesota, 

proposes to engage in lending activities.

MIDWEST BANK GROUP, 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 November 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/15/2010

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:

4c8 Not applicable

Not available

American State Bancshares, Inc., to acquire 100 

percent of ASB Holdings, LLC, both in Great 

Bend, Kansas, and thereby engage in 

information technology consulting services.

AMERICAN STATE 

BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Aslin Group, Inc., Overland Park, Kansas; Aslin 

Opportunity Fund BK, LP, Cape Haze, Florida; 

and Aslin Capital I, LLC, Cape Haze, Florida, to 

engage in servicing loans.

ASLIN GROUP, INC.

Newspaper:

Federal Register:

* 3A1 12/04/2010

12/02/2010

Bedison Bancshares, Inc., Platte City, Missouri, 

to become a bank holding company through the 

acquisition of 78.03 percent of the voting shares 

of The Citizens Bank of Oregon, Oregon, 

Missouri.

BEDISON BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

11/29/2010

Notification by Kenneth L. Morrison, Hastings, 

Nebraska, to acquire control of Doniphan 

Bancshares, Inc., parent of Bank of Doniphan, 

both in Doniphan, Nebraska.

DONIPHAN BANCSHARES, INC.

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.

Newspaper:

Federal Register:

* 3A3 12/03/2010

12/06/2010

Northern Missouri Bancshares, Inc., Unionville, 

Missouri, to acquire at least 51 percent of the 

voting shares of Exchange Bancorp of Missouri, 

Inc., Fayette, Missouri, parent of Exchange 

Bank of Missouri, Fayette, Missouri.

NORTHERN MISSOURI 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

The Stock Exchange Bank, Caldwell, Kansas, to 

establish a branch at 106 West Spruce Street, 

Arkansas City, Kansas.

STOCK EXCHANGE BANK

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

Federal Reserve Bank of Kansas City

Filings received during the week ending November 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Union Bank, Oklahoma City, Oklahoma, to 12/06/2010

merge with First Coleman National Bank, 

Coleman, Texas; Graham National Bank, Graham, 

Texas; Citizens National Bank of Breckenridge, 

Breckenridge, Texas; First State Bank of 

Canadian, National Association, Canadian, 

Texas; First National Bank of Olney, Olney, 

Texas; Friona State Bank, National Association, 

Friona, Texas; Farmers National Bank of 

Seymour, Seymour, Texas; and InterBank, Elk 

City, Oklahoma; and incident thereto, to 

establish 15 branches in Texas and Oklahoma. 

Union Bank, Oklahoma City, Oklahoma, to also 

purchase certain assets and assume certain 

liabilities of the Borger and Stinnett branches of 

First National Bank of Borger, Borger, Texas.

UNION BANK

Newspaper:

Federal Register:

* 3A3 12/04/2010

12/02/2010

Wells Bancshares, Inc., Platte City, Missouri, to 

acquire 17.54 percent of the voting shares of 

Bedison Bancshares, Inc., Platte City, Missouri, 

parent of The Citizens Bank of Oregon, Oregon, 

Missouri.

WELLS 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

 1421161 BANK OF BLUE VALLEY, OVERLAND PARK, KANSAS 07/26/2010 11/03/2010 S Int Sm 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 November 13, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

12/04/2010

Bertram BancShares, Inc., Bertram, Texas, to 

become a bank holding company by acquiring 

99.52% of Farmers State Bank, Bertram, Texas.

BETRAM BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

11/26/2010

Community Bancorp LLC, Houston, Texas, to 

become a bank holding company by acquiring 

100 percent of Cadence Financial Corporation, 

Starkville, Mississippi, and indirectly acquire 

Cadence Bank, N.A., Starkville, Mississippi.

COMMUNITY BANCORP LLC

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:

4c8 Not applicable

12/03/2010

Family Bancorp, Inc., San Antonio, Texas, to 

engage de novo in lending activities pursuant 

to Section 225.28(b)(1) of Regulation Y, through 

the acquisition of loans from its subsidiary 

bank, San Antonio National Bank, Refugio, 

Texas.

FAMILY BANCORP, 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:

* Branch Not available

Not applicable

Southwest Bank, Fort Worth, Texas, to 

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 November 13, 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

11/19/2010

Henry Liebman, Gail Katz, and Sodo Builders, all 

of Seattle, Washington, acting as a group in 

concert, to retain 10 percent or more of the 

voting shares of Regal Financial Bancorp, Inc., 

and thereby indirectly acquire Regal Financial 

Bank, both of Seattle, Washington.

REGAL FINANCIAL BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

11/29/2010

SKBHC Holdings, LLC, and SKBHC Hawks 

Nest Acquisition Corp., both of Corona del Mar, 

California, to acquire 100 percent of 

AmericanWest Bank, Spokane, Washington.

SKBHC HOLDINGS, LLC

* 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