Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 38 

Week Ending September 18, 2010

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

Butte State Company, Butte, Nebraska, and Butte State Bank -- written agreement 

with the Federal Reserve Bank of Kansas City and the Nebraska Department of 

Banking and Finance.

- Announced, September 14, 2010

First Security Group, Inc., Chattanooga, Tennessee -- written agreement with the 

Federal Reserve Bank of Atlanta.

- Announced, September 14, 2010

South Group Bancshares, Inc., Glennville, Georgia -- written agreement with the 

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

Georgia.

- Announced, September 16, 2010

State Bank Financial, La Crosse, Wisconsin -- written agreement with the Federal 

Reserve Bank of Minneapolis and the State of Wisconsin Department of Financial 

Institutions.

- Announced, September 16, 2010

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

OSDM Office of Staff Director for Management

September 12, 2010 to September 18, 2010

Bank Branches, Domestic

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

66 Court Street, Brooklyn.

Secretary

- Approved, September 14, 2010

Comerica Bank, Dallas, Texas -- to establish a branch at 9350 Mira Mesa Boulevard, 

San Diego, California.

Dallas

- Approved, September 13, 2010

IBERIABANK, Lafayette, Louisiana -- to establish branches at 3810 Richmond 

Avenue, Houston, Texas, and 1000 Memorial Mall.

Atlanta

- Approved, September 17, 2010

Virginia Partners Bank, Fredericksburg, Virginia -- to establish a branch at 

2521 Cowan Boulevard, Fredericksburg.

Richmond

- Approved, September 16, 2010

Bank Holding Companies

C-B-G Inc., West Liberty, Iowa -- to acquire additional shares of Washington 

Bancorp, Washington, and thereby increase its indirect interest in Washington's 

subsidiary bank, Federation Bank.

Chicago

- Approved, September 13, 2010

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

North American Financial Holdings, Inc., Charlotte, North Carolina -- to acquire 

shares of TIB Financial Corp., Naples, Florida, and its subsidiary bank, TIB Bank, 

and thereby indirectly acquire Naples Capital Advisors, Inc., and engage in 

investment and financial advisory activities.

Atlanta

- Approved, September 15, 2010

The Protection Bank Holding Company, Inc., Protection, Kansas -- waiver of 

application to acquire The Coldwater Native Bank, Coldwater, in connection with the 

merger of Protection's subsidiary bank, The Bank of Protection, Protection, and 

Coldwater.

Kansas City

- Granted, September 13, 2010

Western Investment Group, LLC, Curtis, Nebraska -- to become a bank holding 

company and to acquire shares of Western Bancshares, Inc., Curtis, and for Western 

Bancshares to become a bank holding company and to acquire Curtis 

Bancorporation, parent of Curtis State Bank.

Kansas City

- Approved, September 13, 2010

Bank Mergers

Centennial Bank, Conway, Arkansas -- to purchase the assets and assume the deposit 

liabilities of Horizon Bank, Bradenton, Florida, and to retain the acquired facilities as 

branches.

St. Louis

- Withdrawn, September 17, 2010

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

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

Citizens National Bank, Arlington, Kansas -- to merge with and into Citizens State 

Bank, Wisner.

Kansas City

- Approved, September 13, 2010

New Century Bank, dba Customers Bank, Phoenixville, Pennsylvania -- to acquire 

ISN Bank, Cherry Hill, New Jersey.

Philadelphia

- Approved, September 17, 2010

Change in Bank Control

Hampton Roads Bankshares, Inc., Norfolk, Virginia -- change in bank control of 

Hampton Roads and its subsidiary banks, Bank of Hampton Roads, Norfolk, and 

Shore Bank, Onley (two notices).

Richmond

- Permitted, September 15, 2010

Hometown Community Bancshares, Inc., Braselton, Georgia -- change in bank 

control of Hometown Community and its subsidiary bank, Hometown Community 

Bank, Braselton.

Atlanta

- Permitted, September 17, 2010

Oak Ridge Bancshares, Inc., Oak Ridge, Louisiana -- change in bank control of Oak 

Ridge and its subsidiary bank, Bank of Oak Ridge, Oak Ridge.

Dallas

- Permitted, September 14, 2010

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

(A/C) = Addition or Correction Delegated - 3 of 4
Change in Bank Control

Sun Bancorp, Inc., Vineland, New Jersey -- change in bank control of Sun and its 

subsidiary bank, Sun National Bank, Vineland.

Philadelphia

- Permitted, September 13, 2010

United Financial Banking Companies, Inc., Vienna, Virginia -- change in bank 

control of United Financial and its subsidiary bank, The Business Bank, Vienna.

Richmond

- Permitted, September 14, 2010

Vision Bancshares, Inc., Saint Louis Park, Minnesota -- change in bank control of 

Vision Bancshares and its subsidiary bank,VisionBank, Saint Louis Park.

Minneapolis

- Permitted, September 17, 2010

Financial Holding Companies 

Marlin Business Services Corp., Mount Laurel, New Jersey -- election to become a 

financial holding company.

Philadelphia

- Effective, September 15, 2010

NBT Holdings Inc., Nashville, Tennessee -- election to become a financial holding 

company.

Atlanta

- Effective, September 15, 2010

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

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

Federal Reserve Bank of Boston

Filings received during the week ending September 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

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

10/08/2010

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 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Agricultural Bank of China Limited, Beijing, to 

upgrade its New York representative office to a 

branch office pursuant to Section 211.24(a)(1) of 

Regulation K.

AGRICULTURAL BANK OF 

CHINA, THE

Newspaper:

Federal Register:

* Branch

Not applicable

Five Star Bank, Warsaw, New York to establish 09/25/2010

a branch office located at 3171 Chili Avenue, 

Monroe County, New York.

FIVE STAR BANK

* 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 September 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

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 18, 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 18, 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

 818625 SUSQUEHANNA BK, HAGERSTOWN, MARYLAND 06/11/2007 11/01/2007 O Large Bank

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 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Palm Beach Community Bank, Boynton Beach, 09/22/2010

Florida, to establish a branch located at 8101 

Okeechobee Boulevard, West Palm Beach, 

Florida.

PALM BEACH COMMUNITY 

BANK

* 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 September 18, 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:

* 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 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/24/2010

10/04/2010

Notice by Kendall L. Combs and Patricia A. 

Combs, both of Hollister, Missouri, to retain 

control of Branson Bancshares, Inc., Branson, 

Missouri.

BRANSON BANCSHARES, INC

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Cass Information Systems, Inc., Bridgeton, 

Missouri, to engage in new foreign activities via 

a to be formed foreign entity that will be named 

Cass Europe, BV, Breda, Netherlands, pursuant 

to Section 211.10(a)(5) of Regulation K.

CASS INFORMATION SYSTEMS, 

INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

First Southern Bancshares, Inc., Batesville, 

Arkansas, to become a bank holding company 

by acquiring 100 percent of First Southern Bank, 

Batesville, Arkansas.

FIRST SOUTHERN 

BANCSHARES, INC

Newspaper:

Federal Register:

CIC 09/22/2010

10/05/2010

Notice by Richard E. Workman as sole trustee 

for the Richard E. Workman 2001 Trust, 

Windermere, Florida, to gain control of Midland 

States Bancorp, Inc., Effingham, Illinois.

MIDLAND STATES BANCORP, 

INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Twin Lakes Community Bank, Flippin, 

Arkansas, to become a member of the Federal 

Reserve System.

TWIN LAKES COMMUNITY 

BANK

* 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

 487357 TOWN & COUNTRY BK, SALEM, MISSOURI 05/03/2010 09/07/2010 S Int Sm 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 18, 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

Newspaper:

Federal Register:

CIC 09/30/2010

10/01/2010

Change in Control Notice by Margaret E. Thelen 

Revocable Trust dated January 5, 2000, 

Margaret E. Thelen, Trustee, Baxter, Minnesota, 

individually and as part of a group acting in 

concert along with John A. Thelen, Jr., Baxter, 

Minnesota, Nancy M. Shipman, Brainerd, 

Minnesota, Sharon M. Watland, Baxter, 

Minnesota, Robert T. Thelen, Baxter, 

Minnesota, Michael J. Thelen, Nisswa, 

Minnesota, Kathryn M. Stalheim, Oviedo, 

Florida, Steven D. Thelen, Tampa, Florida, Luke 

D. Shipman, Brainerd, Minnesota, Daniel J. 

Shipman, Brainerd, Minnesota, Elizabeth A. 

Shipman, Breezy Point, Minnesota, and Adam J. 

Shipman, Brainerd, Minnesota to retain control 

of American Bancorporation of Minnesota, Inc., 

Brainerd, Minnesota, and thereby indirectly 

retain control of American National Bank of 

Minnesota, Baxter, Minnesota.

AMERICAN 

BANCORPORATION OF 

MINNESOTA, 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

 666358 FIRST CITIZENS BK OF BUTTE, BUTTE, MONTANA 05/24/2010 09/10/2010 S Small Bank

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 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

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 Not available

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 Not available

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:

CIC 09/28/2010

09/29/2010

Notification submitted by Edward F. and Sharon 

R. Lueger, both of Seneca, Kansas; Eugene and 

Janet Lueger, both of St. Marys, Kansas; Galen 

and Carol A. Lueger, both of Goff, Kansas; 

Gerald J. and Karla Lueger, both of St. Marys, 

Kansas; James J. and Joan M. Lueger, both of 

Seneca, Kansas, individually and as trustees of 

the James J. and Joan M. Lueger Revocable 

Living Trust; Robert and Susan Lueger, both of 

Shorewood, Wisconsin, individually and as 

trustees of the Robert J. and Susan A. Lueger 

Trust; Thomas Lueger, Leslie Lueger, Thomas 

A. Lueger, and Debra Lueger, all of Plattsmouth, 

Nebraska; Mary L. and Steven Nelson, both of 

Parkville, Missouri; Bradley J. and Susan R. 

Lueger, both of Seneca, Kansas; Brian M. 

Lueger, Olathe, Kansas; Marissa A. Lueger, 

Seneca, Kansas; Russell A. Lueger, Beloit, 

Kansas; Lori A. and Justin F. Lueger, both of 

Eudora, Kansas; all as members of the Lueger 

Family Group, to retain control of Community 

Bancshares, Inc., parent of Community National 

Bank, both in Seneca, Kansas.

COMMUNITY BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

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.

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

Federal Reserve Bank of Kansas City

Filings received during the week ending September 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 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

Newspaper:

Federal Register:

* 3A1 10/10/2010

10/08/2010

Verus Acquisition Group, Inc., Fort Collins, 

Colorado, to become a bank holding company 

through the acquisition of 51 percent of the 

voting shares of Fort Collins Commerce Bank 

and Larimer Bank of Commerce, both in Fort 

Collins, Colorado; and Loveland Bank of 

Commerce, Loveland, Colorado.

VERUS ACQUISITION GROUP, 

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

 271752 BANK OF CUSHING & TC, CUSHING, OKLAHOMA 06/14/2010 09/10/2010 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 18, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 10/11/2010

10/11/2010

First Financial Bankshares, Inc., Abilene, Texas, 

to acquire 100 percent of Sam Houston Financial 

Corp., Huntsville, Texas, and indirectly acquire 

First State Bank, Huntsville, Texas.

FIRST FINANCIAL 

BANKSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

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

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 September 18, 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 Not available

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

08/27/2010

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

 423074 COMMUNITY BK NORTHERN CA, TRACY, CALIFORNIA 02/11/2008 04/17/2008 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act