Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 13 

Week Ending March 31, 2012

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

The European Economic and Financial Situation -- statement by Steven B. Kamin, 

director, Division of International Finance, before a subcommittee of the House 

Committee on Financial Services on the economic situation in Europe and the 

Federal Reserve's response.

- Published, March 27, 2012

Mobile Payments -- statement by Sandra F. Braunstein, director, Division of 

Consumer and Community Affairs, before the Senate Committee on Banking, 

Housing, and Urban Affairs on consumer use of mobile financial services.

- Published, March 29, 2012

Personnel

Division of Banking Supervision and Regulation -- appointment of Michael Hsu as 

assistant director.

- Announced, March 28, 2012

Regulations and Policies

Federal Assistance to Swaps Entities -- interagency guidance to clarify that the 

effective date of section 716, the so-called Swaps Pushout provision, of the 

Dodd-Frank Act is July 16, 2013.

- Approved, March 28, 2012

Enforcement

Cadence Financial Corporation, Starkville, Mississippi -- written agreement dated 

November 17, 2010, terminated on March 20, 2012.

- Announced, March 27, 2012

H.2 Board Actions March 25, 2012 to March 31, 2012

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

Orrstown Financial Services, Inc., Shippensburg, Pennsylvania, and Orrstown Bank 

-- written agreement with the Federal Reserve Bank of Philadelphia.

- Announced, March 27, 2012

H.2 Board Actions March 25, 2012 to March 31, 2012

(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 Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

March 25, 2012 to March 31, 2012

MA Monetary Affairs

Bank Branches, Domestic

First Interstate Bank, Billings, Montana -- to establish a branch at 2850 Old 

Hardin Road, Billings.

Minneapolis

- Approved, March 29, 2012

Bank Holding Companies

Carpenter Fund Manager Group, LLC, Irvine, California -- modification of certain 

commitments.

San Francisco

- Approved, March 30, 2012

Heritage Bancorp, Inc., Burlington, Kentucky -- waiver of application to acquire 

Commonwealth Trust Bancorp, Inc., Walton, in connection with the merger of their 

respective subsidiary banks, Heritage Bank, Inc., Erlanger, and Farmers National 

Bank, Walton.

Cleveland

- Granted, March 29, 2012

SCBT Financial Corporation, Columbia, South Carolina -- to merge with Peoples 

Bancorporation, Inc., Easley, and thereby acquire its subsidiary banks, The Peoples 

National Bank; Bank of Anderson, N.A., Anderson; and Seneca National Bank, 

Seneca.

Secretary

- Approved, March 30, 2012

(A/C) = Addition or Correction Delegated - 1 of 3
Bank Holding Companies

UTB Financial Holding Company, Dallas, Texas -- to become a bank holding 

company and to acquire United Texas Bank, Dallas.

Dallas

- Approved, March 26, 2012

Bank Mergers

1st United Bank, Boca Raton, Florida -- to merge with Anderen Bank, Palm Harbor 

(supplement to approval for 1st United Bancorp, Inc., Boca Raton, to acquire 

Anderen Financial, Inc., Palm Harbor, and Anderen Bank on February 3, 2012).

Secretary

- Confirmed, March 28, 2012

(A/C)

International Operations

Citigroup Inc., New York, New York -- request for extension to retain certain 

properties.

Director, BS&R

- Granted, March 28, 2012

Membership

First Heritage Bank, Shenandoah, Iowa -- to become a member of the Federal 

Reserve System.

Chicago

- Approved, March 28, 2012

H.2 Actions under delegated authority March 25, 2012 to March 31, 2012

(A/C) = Addition or Correction Delegated - 2 of 3
Savings and Loan Holding Companies

General Electric Company, Fairfield, Connecticut -- temporary relief for General 

Electric and its intermediate savings and loan holding companies, General Electric 

Capital Corporation, Norwalk, and GE Consumer Finance Inc., Stamford, from 

complying with certain regulatory reporting requirements.

Director, BS&R

- Granted, March 30, 2012

Lincoln Federal Bancorp, Inc., Lincoln, Nebraska, and Lincoln Federal

Bancorp M.H.C. -- to engage in real estate development activities through Stone 

Bridge Creek, L.L.C., Lincoln, following the transfer of Stone Bridge Creek to 

Lincoln Federal Bancorp.

Kansas City

- Approved, March 29, 2012

H.2 Actions under delegated authority March 25, 2012 to March 31, 2012

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

Federal Reserve Bank of Boston

Filings received during the week ending March 31, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

04/09/2012

Georgetown Bancorp, MHC, Georgetown, 

Massachusetts proposes to convert to stock 

form and merge with Georgetown Bancorp, Inc., 

Georgetown, Massachusetts, which proposes 

to become a savings and loan holding company 

by acquiring 100 percent of Georgetown 

Savings Bank, Georgetown, Massachusetts.

GEORGETOWN BANCORP, MHC

Newspaper:

Federal Register:

* 3A1 Not available

04/13/2012

Meetinghouse Bancorp, Inc., Dorchester, 

Massachusetts to acquire 100% of the 

outstanding capital stock of Meetinghouse 

Bank, Dorchester, Massachusetts, pursuant to 

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

with the conversion of the bank from mutual to 

stock form.

MEETINGHOUSE BANCORP INC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 March 31, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Canara Bank, Bangalore, India to establish a 

branch in New York, New York, pursuant to 

Section 211.24 of Regulation K.

CANARA BANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Danske Bank A/S, Copenhagen, Denmark, to 

establish a branch in New York, New York, 

pursuant to Section 211.24 of Regulation K.

DANSKE BANK A/S

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Doha Bank, Doha, Qatar, to 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.

DOHA BANK

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Five Star Bank, Warsaw, New York, to purchase 

certain assets and assume certain liabilities of 

eight branches of First Niagara Bank N.A., 

Buffalo, New York and HSBC Bank USA N.A., 

McLean, Virginia.

FIVE STAR BANK

Newspaper:

Federal Register:

CIC Not available

04/18/2012

Notice by the Giannoulias 2011 Checkspring 

Trust, Chicago, Illinois and Endy D. Zemenides, 

as trustee, to acquire control of CheckSpring 

Community Corporation, and thereby indirectly 

acquire control of CheckSpring Bank, both of 

Bronx, New York.

Giannoulias 2011 CheckSpring 

Trust

* 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 March 31, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/21/2011

Patriot Financial Partners, GP, L.P., Patriot 

Financial Partners, L.P., Patriot Financial 

Partners Parallel, L.P., Patriot Financial Partners, 

GP, LLC, Patriot Financial Managers, L.P., 

Patriot Financial Manager, LLC. and Messrs. Ira 

M. Lubert, W. Kirk Wycoff and James J. Lynch, 

all of Philadelphia, Pennsylvania, to purchase 

up to 24.9 percent of Porter Bancorp, Inc., 

Louisville, KY.

PATRIOT FINANCIAL 

PARTNERS LP

* 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 March 31, 2012

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 March 31, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Benchmark Community Bank, Kenbridge, 

Virginia, for an increase in its investment in 

bank premises

BENCHMARK COMMUNITY 

BANK

Newspaper:

Federal Register:

* 3A5 Not available

04/16/2012

BNC Bancorp, High Point, North Carolina, to 

acquire 100% of the voting securities of 

KeySource Financial, Inc., Durham, North 

Carolina, and thereby indirectly acquire 

KeySource Commercial Bank, Durham, North 

Carolina.

BNC BANCORP

Newspaper:

Federal Register:

* Branch Not available

Not applicable

CFG Community Bank, Towson, Maryland, to 

establish a branch at 11 W. Ridgely Road, 

Lutherville, Maryland

CFG COMMUNITY BANK

Newspaper:

Federal Register:

CIC Not available

04/10/2012

U.S. Immigration Investment Center, LLC, 

Washington, D.C., and Ms. Mahnaz Khazen, as 

its managing director, to acquire up to 24.9% of 

the voting securities of HarVest Bancorp, Inc., 

Gaithersburg, Maryland.

HARVEST BANCORP, INC.

Newspaper:

Federal Register:

* SLHC 

Formation

04/04/2012

04/19/2012

HomeTrust Bancshares, Inc., Clyde, North 

Carolina, to become a savings and loan holding 

company upon the conversion of HomeTrust 

Bank, Clyde, North Carolina, from a mutual to 

stock form of ownership.

HOMETRUST BANCSHARES, 

INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Main Street Bank, Herndon, Virginia, to 04/06/2012

establish a branch at 727 Elden Street, Herndon, 

Virginia

MAINSTREET BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Morganton Savings Bank, S.S.B., Morganton, 

North Carolina, to become a state member bank 

upon the charter conversion of Morganton 

Federal Savings and Loan Association.

MORGANTON FEDERAL 

SAVINGS AND LOAN 

ASSOCIATION

* 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 March 31, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 04/27/2012

04/26/2012

Ategra Capital Partners I, LLC, Vienna, Virginia, 

to become a bank holding company by 

acquiring 87.50 percent of preferred stock of 

Florida Bancshares, Inc., and its subsidiary, 

First National Bank of Pasco, both of Dade City, 

Florida. The preferred shares are convertible 

into approximately 378,378 shares of common 

stock, which would equal 27.80 percent of the 

total common stock outstanding.

ATEGRA CAPITAL PARTNERS I, 

LLC

Newspaper:

Federal Register:

CIC Not available

04/16/2012

Prior change in control notice filed by Ander P. 

and Sandra G. Gibbs, Dade City, Florida, to 

acquire 5,000 shares of series A convertible 

nonvoting preferred stock of Florida 

Bancshares, Inc., Dade City, Florida. The 

preferred shares are convertible into 

approximately 82,107 shares of common stock, 

which will increase Mr. and Mrs. Gibbs? total 

ownership to 136,161 shares of common stock 

or 14.29 percent of the total common stock 

outstanding.

FLORIDA BANCSHARES, INC.

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

Itau BBA International Limited, London, 

England, to acquire control of Banco Itau 

Europa International, Miami, Florida, pursuant 

to section 211.5(d)(1) of Regulation K.

ITAU BBA INTERNATIONAL 

LIMITED

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Peoples Bancshares, Inc., Mendenhall, 

Mississippi, requests to engage in making, 

acquiring, brokering, or servicing loans, or other 

extensions of credit, pursuant to section 

225.28(b)(1), of Regulation Y and 4(c)8 of the 

Bank Holding Company Act.

PEOPLES BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 03/24/2012

04/27/2012

Platinum Bank Holding Company, to become a 

bank holding company by acquiring 100 percent 

of the outstanding shares of Platinum Bank, 

both of Brandon, Florida.

PLATINUM BANK HOLDING 

COMPANY

* 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 March 31, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Ackley State Bank, Ackley, Iowa, to purchase 

certain assets and assume certain deposits of 

the Iowa Falls branch of Liberty BAnk, F.S.B., 

West Des Moines, Iowa, and establish a branch 

at 315 Main Street, Iowa Falls, Iowa.

ACKLEY STATE BANK

Newspaper:

Federal Register:

CIC Not available

04/27/2012

The Gus J. Lukas and Lorraine J. Lukas 2006 

Trust for Lori J. Foy ("Trust"), and Lori J. Foy, 

Grafton, Wisconsin, individually and as trustee 

of Trust, and Lori J. Foy, together as a group 

acting in concert with Trust, Lori J. Foy as 

trustee, Paul Foy, Grafton, Wisconsin, John 

Lukas, Manitowoc, Wisconsin, Mark Lukas, 

Manitowoc, Wisconsin, and the Foy minor 

children, to retain control of 25 percent or more 

of the outstanding shares of Community 

Bancshares of Wisconsin, Inc., Grafton, 

Wisconsin, and thereby indirectly retain control 

of Cornerstone Community Bank, Grafton, 

Wisconsin.

COMMUNITY BANCSHARES OF 

WISCONSIN, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Winifred J. Marquart, Herbert F. 

Johnson III, Samuel C. Johnson III, Odinn R. 

Johnson, Olivia S. Johnson, Conrad W. Leipold, 

Samuel C. Leipold, Michael D. Marquart, 

Samantha G. Marquart, and Isabelle C. Marquart 

as trustee or shareholder for various Johnson 

family trusts and companies (all of Racine, 

Wisconsin) as a group working in concert to 

retain control of Johnson Financial Group, Inc., 

Racine, Wisconsin, and thereby indirectly 

control Johnson Bank, Racine, Wisconsin.

JOHNSON FINANCIAL GROUP, 

INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending March 31, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Enclosed is a notice filed by the Duncan, Hrvol, 

and Molzen Families. The group includes: E. 

Ray Duncan ("Ray"); Sally F. Duncan ("Sally"); 

Gloria R. Foley ("Gloria"); Sally F. Duncan, as 

Trustee of the John K. Foley Revocable Living 

Trust; Sally F. Duncan, as Beneficiary of the 

Hardware State Bank 401K Plan; E. Ray Duncan, 

as Beneficiary of the Hardware State Bank 401K 

Plan; E. Ray Duncan, as Beneficiary of the 

Sullivan Bancshares, Inc. Employee Savings 

and Retirement Plan; Paul M. Hrvol; Michelle B. 

Hrvol; R. Reid Molzen; Christina D. Molzen; 

Paul M. Hrvol, as Beneficiary of the Sullivan 

Bancshares, Inc. Employee Savings and 

Retirement Plan; R. Reid Molzen, as Beneficiary 

of the Sullivan Bancshares, Inc. Employee 

Savings and Retirement Plan; and Michelle B. 

Hrvol, as Beneficiary of the Sullivan 

Bancshares, Inc. Employee Savings and 

Retirement Plan, collectively as a group acting 

in concert, and each of whom is of Sullivan, 

Illinois, except Ray, Sally, and Gloria are of 

Lovington, Illinois, intend to acquire 25 percent 

or more of the shares and thereby control of 

Moultrie Bancorp, Inc., Lovington, Illinois. 

Moultrie Bancorp, Inc. controls Hardware State 

Bank, Lovington, Illinois.

MOULTRIE BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

04/16/2012

Frank A. Peplinski, David Peplinski, Jerry 

Peplinski, Jerry Peplinski, as trustee of the 

Peplinski Family 2012 Trust, and the Peplinksi 

Family 2012 Trust, Terry Peplinski, Lynda 

Watchowski, Lauren Peplinski, Crystal Stomack, 

Nicole Peplinski, Brandon Watchowski (all of 

Ubly, Michigan) and certain of their minor 

children as a group acting in concert, to acquire 

25 percent or more of the shares and thereby 

control of Northstar Financial Group, Inc and 

indirectly, Northstar Bank, Bad Axe, Michigan 

and Seaway Community Bank, St, Clair, 

Michigan.

NORTHSTAR FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

04/16/2012

Lynette Drake, as an individual, Lynette Drake 

as trustee of the Roberts Family, 2012 Trust, and 

the Roberts Family 2012 Trust, Maria Roberts, 

Maria Roberts, as trustee of the Ryan J. Roberts 

Trust, the Ryan J. Roberts Trust, Jeffrey 

Roberts, and Austin Drake (all of Bad Axe, 

Michigan) and certain of their minor children as 

a group acting in concert, to acquire 25 percent 

or more of the shares and thereby control of 

Northstar Financial Group, Inc., and indirectly, 

Northstar Bank, Bad Axe, Michigan, and 

Seaway Community Bank, St, Clair, Michigan.

NORTHSTAR FINANCIAL 

GROUP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending March 31, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

PSB Holdings, Inc., Wausau, Wisconsin, to 

acquire 100 percent of the outstanding capital 

stock of Marathon State Bank, Marathon, 

Wisconsin.

PSB HOLDINGS, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Steven D. Spector of Glenview, 

Illinois, as an individual and as trustee of the 

Alan L. Spector GST Family Trust, the Walter 

W. Spector, Steven D. Spector, Andrew M. 

Spector, and Nancy S. Spector Dynasty Trusts, 

and two Phillip J. Spector GST Trusts and as a 

group working in concert with Steven D. 

Spector, Walter W. Spector of Saratoga, 

California, Andrew M. Spector of Bexley, Ohio, 

Nancy S. Spector of Chicago, Illinois, the Phillip 

J. Spector GST Trust - FBO Michael Spector, 

Michael Spector, of Bettendorf, Iowa, and 

Steven Spector trustees, the Phillip J. Spector 

GST Trust - FBO Shelley Caesar, Shelley Caesar 

of Fox River Grove, Illinois, and Steven D. 

Spector trustees, and the Alan L. Spector GST 

Family Trust, the Walter W. Spector Dynasty 

Trust, the Steven D. Spector Dynasty Trust, the 

Andrew M. Spector Dynasty Trust, the Nancy 

S. Spector Dynasty Trust (Steven D. Spector 

trustee) to acquire and/or retain 25 percent or 

more of the shares of Spector Properties, Inc., 

Chicago, Illinois and thereby indirectly 

acquire/retain control of Andalusia Community 

Bank, Andalusia, Illinois.

SPECTOR PROPERTIES, INC

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending March 31, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 04/06/2012

establish a branch facility to be located at the 

Northeast Corner of Fremont Avenue and 

Republic Street, Springfield, Missouri.

ARVEST BANK

Newspaper:

Federal Register:

* 3A1 04/23/2012

04/23/2012

Cooper Investments, Inc., Farmington, 

Missouri, to become a bank holding company 

through the retention of at least 25 percent of 

the voting shares of First State Bancshares, 

Inc., Farmington, Missouri, and thereby 

indirectly control First State Community Bank, 

Farmington, Missouri.

COOPER INVESTMENTS, INC

Newspaper:

Federal Register:

CIC

Not available

Notice by E. Harvey Seaman III individually and 04/14/2012

as co-trustee of the Revocable Trust E. Harvey 

Seaman III U/A 10/21/1998 and the Revocable 

Trust Tamara J. Seaman U/A 10/21/1998, and 

Tamara J. Seaman, as co-trustee of those trusts, 

all of Evansville, Indiana, to acquire up to 11.7 

percent of First Bancorp of Indiana, Inc., 

Evansville, Indiana.

FIRST BANCORP OF INDIANA, 

INC.

Newspaper:

Federal Register:

* 18C

Not applicable

Fordyce Bank & Trust Company, Fordyce, 04/30/2012

Arkansas, to merge with The Bank of Rison, 

Rison, Arkansas.

FORDYCE BANK & TRUST CO.

* 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 March 31, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by MVC Private 

Equity Fund, L.P., Purchase, New York, to gain 

control of BNCCORP, Inc., Bismarck, North 

Dakota, and thereby indirectly gain control of 

BNC National Bank, Glendale, Arizona.

BNCCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/27/2012

Ipswich Community Bancshares, Inc., Ipswich, 

South Dakota, to become a bank holding 

company by acquiring 100% of Yellowstone 

Trail Bancorporation, Ipswich, South Dakota, 

which owns Ipswich State Bank, Ipswich, South 

Dakota.

IPSWICH COMMUNITY 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

04/10/2012

Change in Control Notice by Sharon Bauman, 

Apple Valley, Minnesota, Virginia Bauman, 

Farmington, Minnesota, and Michael Murray, 

Irving, Texas, as individuals, to acquire and 

retain 10 percent or more of the voting shares of 

Kerkhoven Bancshares, Inc., Kerkhoven, 

Minnesota, and thereby indirectly acquire and 

retain control of Financial Security Bank, 

Kerkhoven, Minnesota. In addition, Sharon 

Bauman, Virginia Bauman, Michael Murray, 

Florence Bauman, and Russell Bauman, to join 

the Bauman family control group which controls 

Kerkhoven Bancshares, Inc., Kerkhoven, 

Minnesota, and thereby indirectly controls 

Financial Security Bank, Kerkhoven, Minnesota.

KERKHOVEN BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 18C Not available

Leackco Banking Holding Company, Inc., 

Wolsey, South Dakota, to acquire 100% of ASB 

Bank Holding Company, Pierre, South Dakota, 

and thereby indirectly acquire American State 

Bank of Pierre, Pierre, South Dakota. In addition, 

American State Bank of Pierre to merge with 

ASB Interim Bank, Wessington Springs, South 

Dakota, and to remain the resultant bank.

LEACKCO BANK HOLDING 

COMPANY, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/27/2012

Wells Financial Corp., Wells, Minnesota, to 

become a bank holding company as a result of 

the proposed conversion of its wholly-owned 

subsidiary, Wells Federal Bank, Wells, 

Minnesota, from a federal savings bank to a 

Minnesota state-chartered commercial bank.

WELLS FINANCIAL CORP.

* 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 March 31, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/31/2012

04/18/2012

Notice by Travis Carr, Andover, Kansas, to 

remain a member of the Carr Family Group acting 

in concert, which controls Community State 

Bancshares, Inc., parent of Community Bank of 

Wichita, Inc., both in Wichita, Kansas.

COMMUNITY STATE 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

FirstBank, Lakewood, Colorado, to establish a 04/09/2012

branch at 13300 East Colfax Avenue, Aurora, 

Colorado.

FIRSTBANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Arthur L. Loomis, II, Patricia A. 

Loomis, Genevieve E. Loomis, and Julia P. 

Loomis, all of Niskayuna, New York; Frederick 

S. Loomis, Anne M. Loomis, and J. Porter 

Loomis, all of Pratt, Kansas; Howard K. Loomis, 

Jr., Karen P. Loomis, Katherine P. Loomis, 

Margaret P. Loomis, and Victoria K. Loomis, all 

of Los Gatos; California, as individuals and/or 

trustees of the following trusts: 2011 Arthur L. 

Loomis, II Gift Trust, Julia P. Loomis Revocable 

Trust, Arthur L. Loomis, II Revocable Trust, 

Genevieve E. Loomis Revocable Trust, all of 

Niskayuna, New York; Howard K. Loomis 

Revocable Trust, 2010 Howard K. Loomis 

Irrevocable Family Trust, Porter Legacy Trust, 

Florence Porter Loomis Trust, 2010 Florence 

Porter Loomis Irrevocable Family Trust, 2011 

Frederick S. Loomis Gift Trust, 2011 J. Porter 

Loomis Gift Trust, all of Pratt, Kansas; 2011 

Howard K. Loomis Jr. Gift Trust, The Loomis 

1993 Revocable Trust, both of Los Gatos, 

California; and Flopper, L.P., How-Kan, L.P., and 

Driftwood, LLC, all of Pratt, Kansas; and all as 

members of the Loomis Family Group, to retain 

control of Krey Co. Ltd., parent of The Peoples 

Bank, both in Pratt, Kansas.

KREY CO. LTD.

Newspaper:

Federal Register:

CIC Not available

04/17/2012

Notice by Bobbie R. Needham, Broken Arrow, 

Oklahoma; Matthew K. Needham and Amanda 

L. Needham, Basehor, Kansas; Michael L. 

Needham and Andrea M. Needham, Olathe 

Kansas; and Russ A. Hoffman and Megan L. 

Hoffman, Wichita, Kansas; all as members of 

the Needham family group, to retain control of 

Overbrook Bankshares, Inc., parent of The First 

Security Bank, both in Overbrook, Kansas.

OVERBROOK BANKSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

04/03/2012

Notice by William Bradley Giblet and Lita Giblet, 

both of Hydro, Oklahoma, and Gaylon Vogt, 

Weatherford, Oklahoma, to acquire control of 

Ryan Bancshares, Inc., parent of The First State 

Bank, both in Ryan, Oklahoma.

RYAN BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Filings received during the week ending March 31, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/13/2012

04/04/2012

Notice by Amos Kendall Bass III Revocable 

Trust, Rebecca Sue Bass Revocable Trust, and 

Rebecca Sue Bass, McAlester, Oklahoma, as 

trustee, to acquire control of Wilburton State 

Bancshares, Inc., parent of Wilburton State 

Bank, both in Wilburton, Oklahoma.

WILBURTON STATE 

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 March 31, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

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

acquire 100% of the common stock of Northstar 

Financial Corporation, Denton, Texas, and 

therefore indirectly Northstar Bank of Texas, 

Denton, Texas.

CARLILE BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

03/21/2012

Mission-Heights Capital, Ltd., Houston, Texas, 

and Mission-Heights, LLC, Houston, Texas, 

general partner; and Charles Robert Miller, Jr., 

Odem, Texas, individually, intend to apply to 

the Federal Reserve Board for permission to 

acquire 25 percent or more of the shares of 

Odem Bancshares, Inc., Odem, Texas, and 

thereby indirectly obtain control of First State 

Bank of Odem, Odem, Texas., in association 

with a request by Mission-Heights Capital, Ltd., 

to be treated as a Qualified Family Partnership 

(QFP).

ODEM BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 03/14/2012

03/16/2012

Notice by Mr. Jimmy Enriquez, of The 

Woodlands, Texas individually and as trustee 

for JE Trust No. 2, The Woodlands, Texas to 

acquire 100 percent of the shares and thereby 

control of Uvalde Bancshares, Inc., Dover, 

Delaware, and indirectly Uvalde National Bank, 

Uvalde, Texas.

UVALDE BANCSHARES INC

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending March 31, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

04/15/2012

04/19/2012

CU Bancorp, to become a bank holding 

company by acquiring 100 percent of California 

United Bank, both of Encino, California and 2) 

CU Bancorp, Encino, California, to acquire 

Premier Commercial Bancorp, and thereby 

indirectly acquire Premier Commercial Bank, 

N.A., both of Anaheim, California.

CU BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 02/21/2012

First PacTrust Bancorp, Inc., Chula Vista, 

California, to become a bank holding company 

by acquiring 100 percent of Beach Business 

Bank, Manhattan Beach, California, pursuant to 

section 3(a)(1) of the BHC Act, and 2)to retain 

100 percent control of Pacific Trust Bank, 

fsb,Chula Vista, California, and thereby engage 

in operating a nonbank thrift subsidiary, 

pursuant to section 225.28(b)(4) of Regulation 

Y.

FIRST PACTRUST 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