Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks;

Applications and Reports Received

No. 39

Week Ending September 25, 2010

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

Incentive Compensation -- statement by Scott G. Alvarez, general counsel, before the 

House Committee on Financial Services regarding incentive compensation in 

banking and financial services.

- Published, September 24, 2010

Forms

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

Disclosure Requirements Associated with Securities Transactions Pursuant to 

Regulation H (Reg H-3).

- Approved, September 20, 2010

Forms -- final Board review to implement the Recordkeeping Requirements 

Associated with Limitations on Interbank Liabilities of Regulation F.

- Approved, September 23, 2010

Enforcement

First State Bank of Warner, Warner, South Dakota -- written agreement with the 

Federal Reserve Bank of Minneapolis and the State of South Dakota, Department of 

Revenue and Regulation, Division of Banking.

- Announced, September 22, 2010

LandMark Bank of Florida, Sarasota, Florida -- issuance of a prompt corrective 

action directive with the consent of the bank.

- Announced, September 23, 2010

Miners and Merchants Bancorp, Inc., Grundy, Virginia, and TruPoint Bank -- written 

agreement with the Federal Reserve Bank of Richmond.

- Announced, September 23, 2010

H.2 Board Actions September 19, 2010 to September 25, 2010

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

TIB Financial Corporation, Naples, Florida -- written agreement with the Federal 

Reserve Bank of Atlanta.

- Announced, September 22, 2010

Trans Pacific Bancorp, San Francisco, California -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, September 20, 2010

H.2 Board Actions September 19, 2010 to September 25, 2010

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

September 19, 2010 to September 25, 2010

Bank Holding Companies

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

Springs, New York -- to acquire additional shares of 473 Broadway Holding 

Corporation, Saratoga Springs, and to retain additional shares of The Adirondack 

Trust Company.

Secretary

- Approved, September 20, 2010

CapGen Capital Group V LLC, New York, New York, and CapGen Capital Group V 

LP -- to become bank holding companies and to acquire shares of Palmetto 

Bancshares, Inc., Greenville, South Carolina, and thereby indirectly acquire The 

Palmetto Bank.

Richmond

- Approved, September 22, 2010

Connemara Bancorp, Inc., Dallas, Texas -- to become a bank holding company and 

to acquire First Amherst Bancshares, Inc., Amherst, and indirectly acquire First 

National Bank.

Dallas

- Withdrawn, September 21, 2010

Country Bancshares, Inc., Jamesport, Missouri -- to retain shares of Liberty First 

Bancshares, Inc., Liberty, parent of Patriots Bank.

Kansas City

- Approved, September 21, 2010

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Holding Companies

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to retain an interest in 

Taplin, Canida & Habacht, LLC, Miami, Florida, and thereby continue to engage in 

financial and investment advisory activities and securities brokerage services.

Chicago

- Approved, September 23, 2010

Steele Holdings, Inc., Tyler, Texas -- to become a bank holding company and to 

acquire American State Bank, Arp.

Dallas

- Withdrawn, September 23, 2010

WL Ross & Co. LLC, et al. New York, New York, -- request for an exemption under 

the Depository Institution Management Interlocks Act and Regulation L.

General Counsel

- Granted, September 20, 2010

Bank Mergers

Wheaton Bank & Trust Company, Wheaton, Illinois -- to purchase certain assets and 

assume the liabilities of the Naperville branch of First National Bank of Brookfield, 

Brookfield, and thereby establish a branch.

Chicago

- Approved, September 23, 2010

Change in Bank Control

FBD Holding Company, Inc., Dalton, Georgia -- to retain control of FBD Holding 

and its subsidiary bank, First Bank of Dalton, Dalton.

Atlanta

- Permitted, September 24, 2010

H.2 Actions under delegated authority September 19, 2010 to September 25, 2010

(A/C) = Addition or Correction Delegated - 2 of 5
Change in Bank Control

FBD Holding Company, Inc., Dalton, Georgia -- change in bank control of FBD 

Holding and its subsidiary bank, First Bank of Dalton, Dalton.

Atlanta

- Permitted, September 24, 2010

Great Plains Bancshares, Inc, Hollis, Oklahoma -- to retain control of Great Plains 

and its subsidiary bank, Great Plains National Bank, Elk City.

Kansas City

- Permitted, September 21, 2010

Naples Bancorp, Inc., Naples, Florida -- to retain control of Naples Bancorp, Inc., 

and its subsidiary bank, Bank of Naples, Naples.

Atlanta

- Permitted, September 24, 2010

Palmetto Bancshares, Inc., Greenville, South Carolina -- change in bank control of 

Palmetto and its subsidiary bank, The Palmetto Bank, Greenville.

Richmond

- Permitted, September 22, 2010

Extensions of Time

BNP Paribas, Paris, France -- one-year extension of time to retain its investment in 

Citrus Holdings, Inc. and its subsidiaries, Plaquemines Parish, Louisiana.

Director, BS&R

- Granted, September 21, 2010

H.2 Actions under delegated authority September 19, 2010 to September 25, 2010

(A/C) = Addition or Correction Delegated - 3 of 5
Extensions of Time

Central State Bank, Elkader, Iowa -- extension to December 30, 2010, to merge with 

Corridor State Bank, Coralville, and thereby establish branches at 2530 Corridor 

Way, Coralville, and 202 North Linn Street, Iowa City.

Chicago

- Granted, September 22, 2010

The Goldman Sachs Group, Inc., New York, New York -- one-year extension of time 

to divest or conform certain impermissible nonbanking activities and investments.

Director, BS&R

- Granted, September 21, 2010

Morgan Stanley, New York, New York -- one-year extension of time to divest or 

conform certain impermissible nonbanking activities and investments.

Director, BS&R

- Granted, September 21, 2010

Tower Bancorp, Inc., Harrisburg, Pennsylvania -- extension to December 23, 2010, 

to acquire First Chester County Corporation, West Chester.

Philadelphia

- Granted, September 21, 2010

International Operations

First National Bank of Pennsylvania, Greenville, Pennsylvania -- to establish a 

branch in George Town, Grand Cayman, Cayman Islands.

Cleveland

- Approved, September 24, 2010

H.2 Actions under delegated authority September 19, 2010 to September 25, 2010

(A/C) = Addition or Correction Delegated - 4 of 5
Membership

Twin Lakes Community Bank, Flippin, Arkansas -- to become a member of the 

Federal Reserve System.

St. Louis

- Approved, September 24, 2010

H.2 Actions under delegated authority September 19, 2010 to September 25, 2010

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending September 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/24/2010

Eastern Bank Corporation, Boston, 

Massachusetts to acquire 100% of the voting 

shares of Wainwright Bank & Trust Company, 

Boston, Massachusetts, pursuant to section 

3(a)(3) of the BHC Act.

EASTERN BANK 

CORPORATION

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.

Newspaper:

Federal Register:

* 3A1 09/28/2010

10/08/2010

Application by Sugar River Bancorp, MHC, 

Newport, New Hampshire to become a mutual 

bank holding company through the acquisition 

of 100% of the voting shares of Sugar River 

Bank, Newport, New Hampshire, pursuant to 

section 3(a)(1) of the BHC Act.

Sugar River Bancorp, MHC

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending September 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Agricultural Bank of China Limited, Beijing, 

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:

Investment Not applicable

Not applicable

Citibank, N.A., Las Vegas, Nevada, and Citibank 

Overseas Investment Corporation, New Castle, 

Delaware, pursuant to Section 211.9(f) of 

Regulation K, to make an additional investment 

in Egg Banking plc, Derby, England.

CITIBANK, N.A.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Morgan Stanley, New York, New York, pursuant 

to Section 211.9(f) of Regulation K to make a 

portfolio investment in Aldermore Bank plc, 

Peterborough, United Kingdom.

MORGAN STANLEY

* 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

 236706 PEAPACK GLADSTONE BK, GLADSTONE, NEW JERSEY 01/04/2010 09/16/2010 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 3

Federal Reserve Bank of Philadelphia

Filings received during the week ending September 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 10/11/2010

10/14/2010

The George W. Connell Revocable Trust, 

Radnor, PA, to purchase 100 percent Drexel 

Morgan & Co., Radnor, PA.

DREXEL MORGAN & CO.

Newspaper:

Federal Register:

CIC Not available

07/20/2010

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., and 

Messrs. Ira M. Lubert, W. Kirk Wycoff and 

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 19.2 percent of 

Palmetto Bancshares, Inc., Greenville, SC.

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 September 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/29/2010

Notice of Change in Bank Control by Clay P. 

Graham, Byran H. Graham, and James F. Graham, 

acting in concert, to acquire up to 26.67% of the 

outstanding voting shares of North Valley 

Bancshares, Inc. and thereby indirectly 

acquring control of the North Valley Bank, both 

of Zanesville, OH and Notice of Change in Bank 

Control by Clay P.Graham, individually to 

acquire 10.13% of the outstanding voting 

shares of North Valley Bancshares, Inc.and 

thereby indirectly acquiring control of the North 

Valley Bank, both of Zanesville, OH

NORTH VALLEY BANCSHARES, 

INC.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending September 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending September 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 539032 BANK INDEP, SHEFFIELD, ALABAMA 11/02/2009 08/19/2010 S Large Bank

 603232 BANK OF GUEYDAN, GUEYDAN, LOUISIANA 04/09/2007 07/29/2007 S Small Bank

 497039 COMMERCIAL BK, HARROGATE, TENNESSEE 04/12/2010 08/17/2010 S Int Sm Bank

 3690662 PALM BEACH CMNTY BK, BOYNTON BEACH, FLORIDA 04/05/2010 07/20/2010 S Small Bank

 3370133 SUNRISE BK, COCOA BEACH, FLORIDA 02/26/2007 06/06/2007 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Citizens Bank, Flint, Michigan, to establish a 

branch facility to be located at 31215 W. 

Fourteen Mile Road, Farmington Hills, 

Michigan.

CITIZENS BANK

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:

* 3A5 Not available

* 18C

* Branch

10/04/2010

Hometown Community Bancorp, Inc., and 

Hometown Community Bancorp, Inc. Employee 

Stock Ownership Plan and Trust, both located 

in Morton, Illinois, to merge with CSBC 

Financial Corporation, Cropsey, Illinois, and 

thereby indirectly acquire Citizens State Bank of 

Cropsey, Cropsey, Illinois, and by Morton 

Community Bank, Morton, Illinois, to merge 

with Citizens State Bank of Cropsey, Cropsey, 

Illinois, and thereby to establish two branches.

HOMETOWN COMMUNITY 

BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Rigler Investment Co., New Hampton, Iowa, to 

acquire 100 percent of State Bank & Trust 

Company, Waverly, Iowa.

RIGLER INVESTMENT CO.

Newspaper:

Federal Register:

4c8 Not applicable

10/15/2010

Taylor Capital Group, Inc., Rosemont, Illinois, 

proposes to purchase up to $20 million in loans 

from its wholly-owned subsidiary bank, Cole 

Taylor Bank, Chicago, Illinois, and thereby 

engage in extending credit and servicing loans.

TAYLOR CAPITAL GROUP, 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending September 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Bank of Salem, Salem, Arkansas, to become a 

member of the Federal Reserve System.

BANK OF SALEM

* 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

 225559 BANK OF BARTLETT, BARTLETT, TENNESSEE 06/15/2009 09/10/2010 S Int Sm Bank

 459046 SIMMONS FIRST BK, RUSSELLVILLE, ARKANSAS 06/07/2010 09/20/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending September 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/24/2010

Notice by Shawn Paul Weinand and Linda Lou 

Weinand, both of Tonka Bay, Minnesota, to 

acquire control of Alliance Bank Shares 

Corporation, Andover, Minnesota, and thereby 

indirectly gain control of 1st Regents Bank, 

Andover, Minnesota.

ALLIANCE BANK SHARES 

CORPORATION

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending September 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 10/15/2010

10/15/2010

BancFirst Corporation, Oklahoma City, 

Oklahoma, to acquire 100 percent of the voting 

shares of Exchange Bancshares of Moore, Inc., 

parent of Exchange National Bank, both in 

Moore, Oklahoma.

BANCFIRST CORPORATION

Newspaper:

Federal Register:

CIC 09/17/2010

09/20/2010

Notification by Daniel L. Tanner, Canon City, 

Colorado, to acquire control of Canon Bank 

Corporation, parent of Canon National Bank, 

both of Canon City, Colorado.

CANON BANK CORPORATION

Newspaper:

Federal Register:

CIC 10/08/2010

09/28/2010

Notification by David H. Duey Revocable Trust, 

David H. Duey, Scottsbluff, Nebraska, trustee; 

Diana Duey Strokan Trust, Diana Duey Strokan, 

Plattsmouth, Nebraska, trustee; Ann Duey 

Revocable Trust, Ann Duey, Scottsbluff, 

Nebraska, trustee; Sara Lierman, Gretna, 

Nebraska, Laura Strickland, Brentwood, 

Tennessee, Dan Duey, Lincoln, Nebraska, 

Natasha Duran, Santa Fe, New Mexico, and 

Nathan Strokan, Plattsmouth, Nebraska; all 

members of the Duey Family Group, to retain 

control of Cass County State Company, parent 

of Cass County Bank, both of Plattsmouth, 

Nebraska.

CASS COUNTY STATE 

COMPANY

Newspaper:

Federal Register:

* 3A3 10/15/2010

10/15/2010

Everest Bancshares, Everest, Kansas, to acquire 

100 percent of the voting shares of Bancshares 

of McLouth, Inc., parent of Bank of McLouth, 

both in McLouth, Kansas.

EVEREST BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1

4c8

10/01/2010

10/14/2010

GLAASS Financial, LLC, to become a bank 

holding company through the acquisition of 

36.4 percent of the voting shares of 

EMSWATER Financial, LLC, both in Exeter, 

Nebraska. EMSWATER Financial, LLC, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of First National Bank in Exeter, both in Exeter, 

Nebraska. EMSWATER Financial, LLC, to 

engage in insurance activities through the 

acquisition of 100 percent of the voting shares 

of First National Insurance Agency, Inc., both 

in Exeter, Nebraska.

GLAASS FINANCIAL, LLC

* 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

 403151 CORNERSTONE BK, YORK, NEBRASKA 06/07/2010 09/10/2010 S Int Sm Bank

 182652 FIRST BK OF FAIRLAND, FAIRLAND, OKLAHOMA 06/21/2010 09/14/2010 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 September 25, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 10/21/2010

Cendera Holdings, Inc., Fort Worth, Texas, to 

become a bank holding company by acquiring 

100 percent of First Bells Bankshares, Inc., Bells, 

Texas, and indirectly acquiring The First 

National Bank of Bells/Savoy, Bells, Texas.

AND 

Cendera Holdings, Inc., Fort Worth, Texas 

("CHI"), to engage in extending credit and 

servicing loans through Cendera Funding, Inc., 

Fort Worth, Texas, pursuant to Section 

225.28(b)(1) of Regulation Y. CHI will engage in 

this activity through The First National Bank of 

Bells/Savoy, Bells, Texas.

CENDERA HOLDINGS, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish three 

branches in the following locations: 2875 W. 

Wheatland Road, Dallas, Texas 75237; 12035 

Foothill Blvd., Rancho Cucamonga, California 

91730; 1 S. Federal Highway, Boca Raton, 

Florida 33432.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 Not available

10/18/2010

Henderson Texas Bancshares, Inc., Henderson, 

Texas, to acquire 85 percent of Prosper 

Bancshares, Inc., Prosper, Texas, and indirectly 

acquire Prosper Bank, Prosper, Texas.

HENDERSON TEXAS 

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

 336361 SANGER BK, SANGER, TEXAS 02/08/2010 09/20/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending September 25, 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.

Newspaper:

Federal Register:

* 3A3 Not available

10/01/2010

GV Bancorp Employee Stock Ownership Plan to 

acquire additional voting shares of GV Bancorp 

and thereby indirectly acquire shares of 

Gunnison Valley Bank, all of Gunnison, Utah.

G V BANCORP EMPLOYEE 

STOCK OWNERSHIP PLAN

Newspaper:

Federal Register:

* 3A3 10/09/2010

10/14/2010

Grandpoint Capital, Inc., Los Angeles, 

California, to acquire 100 percent of Southern 

Arizona Community Bank, Tucson, Arizona.

GRANDPOINT CAPITAL, INC.

Newspaper:

Federal Register:

* 3A3 09/27/2010

09/27/2010

Wells Fargo & Company, San Francisco, 

California, to acquire more than 5 percent of the 

voting shares of Western Liberty 

Bancorporation, New York, New York, and 

thereby indirectly acquire more than 5 percent 

of the voting shares of Service 1st Bank of 

Nevada, Las Vegas, Nevada.

WELLS FARGO & COMPANY

* 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

 2473354 IDAHO BKG CO, BOISE, IDAHO 05/10/2010 09/20/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act