Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 35 

Week Ending August 29, 2009

Board of Governors of the Federal Reserve System, Washington, DC 20551
Monetary and Financial Policy

Term Auction Facility -- TAF auction in the amount of $100 billion in 28-day credit 

on August 24, 2009.

- Announced, August 24, 2009

Term Auction Facility -- reduction in the TAF auction amounts to $75 billion in 

84-day credit on September 8 and $75 billion in 28-day credit on September 21, 

2009.

- Announced, August 28, 2009

Regulations and Policies

Regulations H and Y -- publication for comment of interagency proposals to revise 

the risk-based capital adequacy standards (1) to eliminate the exclusion of certain 

consolidated asset-backed commercial paper programs from risk-weighted assets and 

(2) to reserve authority, for risk-based capital purposes, to require banking 

organizations to treat entities that are not consolidated under accounting standards as 

if they were consolidated.

- Announced, August 26, 2009

System Lending Facilities -- fifth periodic report to Congress, required by the 

Emergency Economic Stabilization Act, on lending facilities authorized under 

section 13(3) of the Federal Reserve Act.

- Approved, August 26, 2009

Enforcement

LegacyTexas Group, Inc., Plano, Texas, and LegacyTexas Bank -- written agreement 

with the Federal Reserve Bank of Dallas and the Texas Department of Banking.

- Announced, August 27, 2009

H.2 Board Actions August 23, 2009 to August 29, 2009

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

Virginia Business Bank, Richmond, Virginia -- written agreement with the Federal 

Reserve Bank of Richmond and the Virginia Bureau of Financial Institutions.

- Announced, August 25, 2009

H.2 Board Actions August 23, 2009 to August 29, 2009

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

August 23, 2009 to August 29, 2009

Bank Branches, Domestic

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a 

branch at 4915 Executive Park Drive, Columbia, Maryland.

New York

- Approved, August 28, 2009

Bank Holding Companies

C-B-G, Inc., West Liberty, Iowa -- to increase its ownership in Washington Bancorp, 

Washington, and thereby increase its ownership of Federation Bank.

Chicago

- Approved, August 27, 2009

Community Trust Financial Corporation, Ruston, Louisiana -- to acquire by merger 

First Louisiana Bancshares, Inc., Shreveport, and thereby acquire First Louisiana 

Bank.

Dallas

- Approved, August 27, 2009

First BanCapital Fund I, L.P., et al., Bethlehem, Pennsylvania -- to acquire shares of 

Old Florida Bancshares, Inc., Longwood, Florida, and thereby acquire Old Florida 

National Bank.

Philadelphia

- Approved, August 24, 2009

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

Golden Pacific Bancorp, Inc., Sacramento, California -- to acquire Gold Country 

Financial Services, Inc., Marysville, and thereby acquire Gold Country Bank, 

National Association.

San Francisco

- Returned, August 25, 2009

SBW Bancshares, Inc., Waterloo, Illinois -- to become a bank holding company and 

to acquire State Bank of Waterloo, Waterloo.

St. Louis

- Withdrawn, August 25, 2009

Tall City Bancshares, Inc., Midland, Texas -- to become a bank holding company and 

to acquire Kent County State Bank, Jayton.

Secretary

- Approved, August 27, 2009

United Financial Bancorp, Inc., West Springfield, Massachusetts -- waiver of 

application to acquire CNB Financial Corp., Worcester, in connection with the 

merger of their respective subsidiaries, United Bank, West Springfield, and 

Commonwealth National Bank, Worcester.

Boston

- Granted, August 25, 2009

Wells Fargo & Company, San Francisco, California -- relief from a commitment.

San Francisco

- Withdrawn, August 26, 2009

H.2 Actions under delegated authority August 23, 2009 to August 29, 2009

(A/C) = Addition or Correction Delegated - 2 of 3
Bank Mergers

Manufacturers and Traders Trust Company, Buffalo, New York -- to acquire the 

loans and assume the deposit liabilities of Bradford Bank, Baltimore, Maryland, and 

thereby establish branches.

New York

- Approved, August 28, 2009

Extensions of Time

BSB Bancorp, MHC, Belmont, Massachusetts, and BSB Bancorp, Inc. -- extension to 

September 8, 2009, to become a mutual bank holding company and stock bank 

holding company, respectively, and to acquire Belmont Savings Bank, Belmont.

Boston

- Granted, August 27, 2009

Financial Holding Companies 

Old Florida Bancshares, Inc., Longwood, Florida -- election to become a financial 

holding company.

Atlanta

- Effective, August 28, 2009

H.2 Actions under delegated authority August 23, 2009 to August 29, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending August 29, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 09/21/2009

Application by 1889 Bancorp MHC and 1889 

Financial Services Corporation, both of 

Norwood, Massachusetts, to become a mutual 

bank holding company and stock bank holding 

company, respectively, by acquiring Norwood 

Co-operative Bank, Norwood, Massachusetts, 

pursuant to sections 3(a)(1) and 3(a)(3) of the 

Bank Holding Company Act of 1956, as 

amended.

1889 BANCORP MHC

Newspaper:

Federal Register:

CIC Not available

08/07/2009

Notice pursuant to the Change in Bank Control 

Act of 1978 by Warburg Pincus Private Equity 

X, L.P., and Warburg Pincus X Partners, L.P., 

and their controlling affiliates, with respect to an 

additional investment in Webster Financial 

Corporation.

WARBURG PINCUS PRIVATE 

EQUITY X, L.P.

* 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 August 29, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

09/24/2009

Max Bancorp, LLC, New York, New York, to 

become a bank holding company by acquiring a 

majority of the voting shares of Sandhills 

Holding Company, Inc. and indirectly, Sandhills 

Bank, both of North Myrtle Beach, South 

Carolina, pursuant to Section 3(a)(1) of BHC Act 

and Section 225.15 of Regulation Y.

MAX BANCORP, LLC

Newspaper:

Federal Register:

* 3A3 08/30/2009

08/28/2009

Morgan Stanley, New York, New York, to retain 

9.2 percent of the common stock and acquire 

additional shares up to a total of 9.9 percent of 

the common stock of Community Bankers Trust 

Corporation, Glen Allen, Virginia, pursuant to 

Section 3(a)(3) of the Bank Holding Company 

Act of 1956, as amended, and Section 225.14 of 

Regulation Y.

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

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 August 29, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

FNBPA Bancorp, Inc., Port Allegany, to become 

a bank holding by acquiring 100 percent of First 

National Bank of Port Allegany, Port Allegany, 

PA.

FNBPA BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Susquehanna Bank, Lititz, PA to establish a 09/03/2009

branch office located at 1800 Dual Highway, 

Hagerstown, MD, pursuant to Section 9 of the 

FRA.

SUSQUEHANNA BANK

* 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 August 29, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

* 3A3

09/29/2009

09/23/2009

NB&T Financial Group, Inc., Employee Stock 

Ownership Plan and NB&T Financial Group, 

Inc., both of Wilmington, Ohio to acquire 100 

percent of Community National Corporation, 

Franklin, Ohio, and thereby indirectly acquire 

The Community National Bank, Franklin, Ohio 

pursuant to Sections 3(a(3) and 3(a)(5) of the 

Bank Holding Company Act.

NB&T FINANCIAL GROUP, 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

 362717 CROGHAN COLONIAL BK, FREMONT, OHIO 05/04/2009 08/17/2009 S Int Sm Bank

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 August 29, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Premises Not applicable

Farmers Bank, Windsor, Virginia, proposes to 09/08/2009

establish a branch at 6255 College Drive, 

Suffolk, Virginia, and to increase its investment 

in bank premises by an amount of $40, 000.

FARMERS BANK, WINDSOR VA

* 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

 590220 BANK OF STANLY, ALBEMARLE, NORTH CAROLINA 05/04/2009 08/17/2009 O Int Sm Bank

 3166729 CABARRUS B&TC, CONCORD, NORTH CAROLINA 05/11/2009 08/11/2009 S Small Bank

 292524 FOUR OAKS B&TC, FOUR OAKS, NORTH CAROLINA 04/06/2009 08/12/2009 S Large Bank

 3248849 MAINSTREET BK, HERNDON, VIRGINIA 05/11/2009 08/10/2009 S Small 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 August 29, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Banco de Sabadell, S.A., Sabadell, Spain, to 

acquire 100 percent of Mellon United National 

Bank, Miami, Florida.

BANCO DE SABADELL, S.A.

Newspaper:

Federal Register:

* 3A3 09/18/2009

09/10/2009

Heart of Georgia Bancshares, Inc., Mount 

Vernon, Georgia, to acquire 100 percent of the 

outstanding shares of The Tattnall Bank, 

Reidsville, Georgia.

HEART OF GEORGIA 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

09/22/2009

USAmeriBancorp, Inc., Largo, Florida, to 

acquire 49.7 percent of the outstanding voting 

shares of Aliant Financial Corporation, and its 

subsidiary, Aliant Bank, both of Alexander City, 

Alabama.

USAMERIBANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

09/03/2009

After-the-fact change in control notice filed by 

Richard Franklin Combs, Braselton, Georgia, to 

retain 26.8 percent of the outstanding shares of 

Verity Capital Group, Inc., Dahlonega, Georgia, 

and its subsidiary, Verity Bank, Winder, 

Georgia.

VERITY CAPITAL GROUP, INC.

* 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 August 29, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Ann Arbor Bancorp, Inc., Ann Arbor, 

Michigan, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Ann Arbor State Bank, Ann Arbor, Michigan.

Ann Arbor Bancorp, Inc.

Newspaper:

Federal Register:

* 3A1 Not available

09/03/2009

Eagle Financial Corp., Casey, Illinois, to become 

a bank holding company by acquiring 100 

percent of Casey State Bank, Casey, Illinois and 

First State Bank, Biggsville, Illinois.

EAGLE FINANCIAL CORP.

Newspaper:

Federal Register:

CIC 09/12/2009

09/10/2009

Notice by Elisabeth Meyer Kimmel, La Jolla, 

California, individually and as trustee; August 

C. Meyer, Jr., Champaign, Illinois, individually 

and as trustee; Inna A. Meyer, St. Petersburg, 

Russia; Gregory B. Lykins, Champaign, Illinois, 

individually and as trustee; Margo L. Lykins, 

Champaign, Illinois, et al, to retain 10% or more 

of the shares, and to acquire additional shares, 

of First Busey Corporation, Urbana, Illinois, 

and thereby indirectly retain and acquire 

additional shares of Busey Bank, Champaign, 

Illinois, and Busey Bank, National Association, 

Fort Myers, Florida.

FIRST BUSEY CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 29, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/15/2009

Notification filed by a group acting in concert, 

composed of Gary Shiffman, West Bloomfield, 

Michigan, Arthur Weiss, Farmington Hills, 

Michigan, Ronald Klein, Bloomfield Hills, 

Michigan, Paul Hodges, Orchard Lake, 

Michigan, Roman Ferber, West Bloomfield, 

Michigan, David Freidman, West Bloomfield, 

Michigan, Steven Freidman, West Bloomfield, 

Michigan, Brian Wenzel, Howell, Michigan, 

Sheldon Yellen, Bloomfield Hills, Michigan, 

Gary Torgow, Oak Park, Michigan, Dov 

Loketch, Oak Park, Michigan, Joseph Nusbaum, 

Oak Park, Michigan, David Provost, 

Birmingham, Michigan, Max Berlin, Southfield, 

Michigan, Donald Coleman, Bonita Springs, 

Florida, Albert Papa, Birmingham, Michigan, 

Robert Naftaly, West Bloomfield, Michigan, 

Thomas Schellenberg, Cross Village, Michigan, 

Thomas Brown, Farmington Hills, Michigan, 

Christine Otto, Oxford, Michigan, James Dunn, 

Livonia, Michigan, Gary Sakwa, Bloomfield 

Hills, Michigan, and Frank Hennessey, Ocala, 

Florida; Christine Provost, Birmingham, 

Michigan; Scott Steigerwald, Bloomfield Hills, 

Michigan; Stephen Eick, Birmingham, Michigan; 

Jeffrey Grabiel, Birmingham, Michigan; David 

Lau, Bloomfield Hills, Michigan; Jeffrey Peck, 

Orchard Lake, Michigan; Lawrence Wolfe, 

Bloomfield Hills, Michigan; Patrick Ervin, 

Ortonville, Michigan; Thomas Ervin, Bloomfield 

Hills, Michigan; Nancy Ervin, Bloomfield Hills, 

Michigan; Mark Thompson, Grosse Point 

Farms, Michigan; JoAnne Thompson, Grosse 

Pointe Farms, Michigan, and Daniel Samson, 

Huntington Woods, Michigan, to acquire over 

25 percent of the outstanding voting shares of 

First Michigan Bancorp, Inc., Troy, Michigan, 

and thereby to indirectly acquire control of First 

Michigan Bank, Troy, Michigan.

FIRST MICHIGAN BANCORP, 

INC.

Newspaper:

Federal Register:

CIC Not available

09/04/2009

Notice by Laura G. Gard Revocable Living 

Trust, Laura G. Gard, Trustee, Marshall, Illinois, 

to increase control of Herky Hawk Financial 

Corp., Monticello, Iowa, and thereby indirectly 

Citizens State Bank, Citizens State Bank, 

Monticello, Iowa, and New Vienna Savings 

Bank, New Vienna, Iowa.

HERKY HAWK FINANCIAL 

CORP.,

Newspaper:

Federal Register:

CIC 08/25/2009

08/31/2009

Notice by David L. Schultz, Luana, Iowa, to 

increase his control of Luana Bancorporation, 

Luana, Iowa, and thereby indirectly, Luana 

Savings Bank, Luana, Iowa.

LUANA BANCORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 29, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Union Bank and Trust Company, Evansville, 09/25/2009

Wisconsin, to purchase the assets and assume 

the liabilities of the New Glarus, Wisconsin and 

the Belleville, Wisconsin branches of Amcore 

Bank, National Association, Rockford, Illinois, 

and thereby to establish a branch at 512 State 

Road 69, New Glarus, Wisconsin.

UNION BANK & TRUST 

COMPANY

* 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

 813947 ALPINE B&TC, ROCKFORD, ILLINOIS 04/20/2009 08/21/2009 S Int Sm Bank

 428547 ST CHARLES B&TC, GENEVA, ILLINOIS 04/20/2009 08/17/2009 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 29, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/09/2009

09/14/2009

Notice by Larry E. Kircher, Trustee of the Larry 

E. Kircher Revocable Trust, 4/12/07, and Molly 

H. Kircher, Trustee of the Molly H. Kircher 

Revocable Trust, 4/12/07, all of Bald Knob, 

Arkansas, acting in concert to retain control of 

Citizens State Bankshares of Bald Knob, Inc., 

Bald Knob, Arkansas.

CITIZENS STATE BANKSHARES 

OF BALD KNOB, INC.

Newspaper:

Federal Register:

CIC 09/15/2009

09/15/2009

Notice by Robert E. Kirkland, Union City, 

Tennessee, individually and as member of the 

Kirkland family control group, which consists of 

himself, REK, LP, Union City, Tennessee; the 

Christopher R. Kirkland Revocable Trust 

(Christopher R. Kirkland as trustee), Brentwood, 

Tennessee; Bedford F. Kirkland, Lebanon, 

Tennessee; and Macy Darnell Swensson. 

Robert E. Kirkland will individually acquire 

control of 21.51 percent of Community First 

Bancshares, Inc., Union City, Tennessee 

("Bancshares"), and the Kirkland family control 

group will acquire control of 25.82 percent of 

Bancshares.

COMMUNITY FIRST 

BANCSHARES, INC.

* 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

 456045 CENTENNIAL BK, CONWAY, ARKANSAS 05/04/2009 08/20/2009 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 August 29, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/09/2009

Notice by Bradley John Franklin, Sidney, 

Montana; Eleanor Rose Franklin, Sidney, 

Montana; and Gregory Lynn Franklin, Othello, 

Washington, to join a group acting in concert 

with John Franklin, Sidney, Montana, to acquire 

and retain control of 1st United Bancorporation, 

Inc., Sidney, Montana, and thereby indirectly 

acquire and retain control of 1st Bank, Sidney, 

Montana.

1ST UNITED 

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC Not available

09/14/2009

Notice by the Marcia J. Edsall Trust, Bozeman, 

Montana, Marcia J. Edsall and Wayne A. Edsall 

as trustees, the Wayne Edsall Trust No. 2, 

Bozeman, Montana, Wayne A. Edsall as trustee, 

as well as Susan Joy Edsall, Ennis, Montana, 

Steven L. Edsall, Bellevue, Idaho, and Sharon J. 

Cohen, Spokane, Washington, as a group 

acting in concert, to retain 10% or more of the 

shares of Inter-Mountain Bancorp, Inc., 

Bozeman, Montana, and thereby indirectly 

retain First Security Bank, Bozeman, Montana. 

In addition, notice by the Cornelius A. 

Dogterom Marital Trust, Bozeman, Montana, 

Marjorie T. Dogterom as trustee and 

individually, Bozeman, Montana, the Dana 

Dogterom Living Trust, Manhatten, Montana, 

Dana M. Dogterom as trustee, the Toni 

Dogterom Living Trust, Evanston, Illinois, Toni 

L. Dogterom as trustee, the Daphne Gillam 

Revocable Trust, Bozeman, Montana, Daphne 

Gillam as trustee, as well as Ashley Claire Gillam, 

Bozeman, Montana, and Dana M. Dogterom as 

Custodian for Alexa Dogterom, Evanston, 

Illinois, as a group acting in concert, to retain 

10% or more of the shares of Inter-Mountain 

Bancorp, Bozeman, Montana, and thereby 

indirectly retain First Security Bank, Bozeman, 

Montana. In addition, notice by Thomas J. 

Kamp, Manhatten, Montana, Robert K. Kamp, 

Manhatten, Montana, Robert and Sharon T. 

Kamp, Manhatten, Montana, John T. and Joyce 

B. Kamp, Manhatten, Montana, Alma J. Kamp, 

San Anselmo, California, Lois F. Kamp, Great 

Falls, Montana, Michael S. Kamp, Manhatten, 

Montana, Thomas J. Kamp, Belgrade, Montana, 

and Theodore P. Kamp, Raton, New Mexico, as 

a group acting in concert, to retain 10% or more 

of the shares of Inter-Mountain Bancorp, 

Bozeman, Montana, and thereby indirectly 

retain First Security Bank, Bozeman, Montana.

INTER-MOUNTAIN BANCORP., 

INC.

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending August 29, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/03/2009

Retroactive Change in Control Notice by Dennis 

G. Bilski, Plymouth, Minnesota individually and 

as part of a group acting in concert along with 

the Marsha L. Ritt Revocable Living Trust, 

co-trustees Marsha L. Ritt and Dennis G. Bilski; 

Londa G. Bilski, Plymouth, Minnesota; Gerald 

A. Bilski and Sandra J. Bilski, Woodbury, 

Minnesota; Michael A. Bilski and Jacqueline S. 

Bilski, Fridley, Minnesota; Michael A. Adducci 

and Debra J. Adducci, Woodbury, Minnesota; 

and John C. Holper and Linda M. Holper, 

Woodbury, Minnesota, to retain control of 

N.A. Corporation, Roseville, Minnesota, and 

thereby indirectly retain control of North 

American Banking Company, Roseville, 

Minnesota.

N.A. CORPORATION

Newspaper:

Federal Register:

CIC Not available

09/14/2009

Retroactive notice by Melissa I. Brooks and Erik 

K. Brooks, both of Eden Prairie, Minnesota, to 

join a group acting in concert with Kenneth 

Brooks, Eden Prairie, Minnesota, individually 

and as trustee of the Signature Bancshares, Inc. 

Employee Stock Ownership Plan and Trust, 

Minnetonka, Minnesota, and Roger Brooks, 

Boulder, Colorado, to retain control of Signature 

Bancshares, Inc., Minnetonka, Minnesota, and 

thereby indirectly retain control of Signature 

Bank, Minnetonka, Minnesota.

SIGNATURE BANCSHARES, 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

 3557895 SUMMIT CMNTY BK, MAPLEWOOD, MINNESOTA 04/27/2009 08/10/2009 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 August 29, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/24/2009

Manhattan Banking Corporation, Manhattan, 

Kansas, to retain 5.85 percent of the voting 

shares of Sonoran Bank, N.A., Phoenix, Arizona.

MANHATTAN BANKING 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

09/10/2009

Notification submitted by Richard A. Jensen, 

WaKeeney, Kansas; David J. Steeples, 

Stockton, Kansas; Lila J. Alexander, Houston, 

Texas; all as trustees; and Brian J. Berkley GST 

Trust, Stockton, Kansas; and James E. Berkley 

GST Trust, Stockton, Kansas, as members of the 

Berkley family group, to retain control of Relianz 

Bancshares, Inc., and thereby indirectly retain 

control of RelianzBank, both in Wichita, 

Kansas. In addition, a notification is submitted 

by Vicki A. Berkley, Stockton, Kansas, as 

trustee, to acquire individual control of Relianz 

Bancshares, Inc., and thereby indirectly acquire 

control of RelianzBank, both in Wichita, 

Kansas.

RELIANZ BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 08/02/2009

08/07/2009

Tri Valley Bancshares, Inc., Lincoln, Nebraska, 

to become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Tri-Valley Bank, Talmage, Nebraska.

TRI VALLEY 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

 463650 ADAMS B&TC, OGALLALA, NEBRASKA 05/18/2009 08/24/2009 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 29, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/01/2009

09/10/2009

Notice by Aim Bancshares, Inc. 401(k) and 

Employee Stock Ownership Plan, Levelland, 

Texas, and Scott Wade, Levelland, Texas, and 

Kenneth Willmon, Levelland, Texas, as 

Trustees, to acquire an interest in Aim 

Bancshares, Inc., Levelland, Texas, and 

therefore indirectly acquire AimBank, Littlefield, 

Texas.

AIM 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 August 29, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/02/2009

09/02/2009

Notice by Alan Isaac Rothenberg, Beverly Hills, 

California, to acquire control of 1st Century 

Bancshares, Inc., Los Angeles, California, and 

thereby indirectly, 1st Century Bank, N.A., Los 

Angeles, California.

1ST CENTURY BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

08/24/2009

Castle Creek Capital Partners III, L.P., Castle 

Creek Capital III LLC, Eggemeyer Capital LLC, 

Ruh Capital LLC, and Legions IV Advisory 

Corp., all of Rancho Santa Fe, California, to 

increase from 40.3 percent up to 55.0 percent 

their ownership of First Chicago Bancorp and 

indirectly First Chicago Bank and Trust 

Company, both of Chicago, Illinois, pursuant to 

Section 3(a)(3) of the Bank Holding Company 

Act.

CASTLE CREEK CAPITAL 

PARTNERS III, L.P.

Newspaper:

Federal Register:

CIC Not available

Not available

Dante B. Benedetti, Petaluma, California, and 

James M. Ryan, Santa Rosa, California, to 

become trustees of the Frank P. Doyle Trust, 

Article IX, and thereby retain voting control of 

Exchange Bank, both of Santa Rosa, California.

FRANK P. DOYLE TRUST, 

ARTICLE IX

Newspaper:

Federal Register:

* 3A3 Not available

09/21/2009

Franklin Resources, Inc., San Mateo, California, 

to acquire up to 7.0 percent of the voting shares 

of State Bank and Trust Company, Pinehurst, 

Georgia, pursuant to section 3(a)(3) of the Bank 

Holding Company Act.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

09/22/2009

Franklin Resources, Inc., San Mateo, California, 

to retain 20.4 percent of the voting shares of 

Guaranty Bancorp, and thereby indirectly its 

subsidiary, Guaranty Bank & Trust Company, 

both of Denver, Colorado, pursuant to section 

3(a)(3) of the Bank Holding Company Act.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

CIC

Not available

Notice by Rommel R. Medina and Ruell R. 08/07/2009

Medina, both of San Bruno, California, to 

acquire additional voting shares of MNB 

Holdings Corporation, and indirectly, voting 

shares of Mission National Bank, both of San 

Francisco, California.

MNB HOLDINGS CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Private Bancorp of America, Inc., to become a 

bank holding company by acquiring 100 percent 

of San Diego Private Bank, both of La Jolla, 

California.

Private Bancorp of America, Inc.

Newspaper:

Federal Register:

* 3A1 09/07/2009

09/14/2009

SP Acquisition Holdings, Inc., New York, New 

York, to become a bank holding company by 

acquiring 100 percent of Frontier Financial 

Corporation, and indirectly its subsidiary, 

Frontier Bank, both of Everett, Washington.

SP ACQUISITION HOLDINGS, 

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