Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 5 

Week Ending January 29, 2011

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

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

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

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

revision the Recordkeeping Requirements Associated with the Real Estate Lending 

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

- Approved, January 24, 2011

Regulations and Policies

S.A.F.E. Act Registration Period -- interagency announcement that on January 31, 

2011, the Nationwide Mortgage Licensing System and Registry will begin accepting 

registrations by residential mortgage loan originators that are federally regulated, as 

required by the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. 

Act) and the Board's implementing regulation.

- Approved, January 28, 2011

Enforcement

Community Central Bank Corporation, Mount Clemens, Michigan -- written 

agreement with the Federal Reserve Bank of Chicago.

- Announced, January 25, 2011

Elgin Bancshares, Inc., Elgin, Illinois -- written agreement with the Federal Reserve 

Bank of Chicago.

- Announced, January 25, 2011

Rocky Mountain Capital, Wilson, Wyoming, and Rocky Mountain Bank -- written 

agreement with the Federal Reserve Bank of Kansas City and the Wyoming 

Department of Audit, Division of Banking.

- Announced, January 25, 2011

H.2 Board Actions January 23, 2011 to January 29, 2011

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

Virginia Business Bank, Richmond, Virginia -- issuance of a prompt corrective 

action directive with the consent of the bank.

- Announced, January 27, 2011

H.2 Board Actions January 23, 2011 to January 29, 2011

(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

OSD Office of Staff Director

January 23, 2011 to January 29, 2011

Bank Branches, Domestic

First State Bank of Colorado, Hotchkiss, Colorado -- to establish a branch at 

564 Main Street, Delta.

Kansas City

- Withdrawn, January 24, 2011

Oak Valley Community Bank, Oakdale, California -- to establish a branch at 

191 West North Street, Manteca.

San Francisco

- Approved, January 28, 2011

Bank Holding Companies

Commerce Bank and Trust Holding Company Employee Stock Ownership Plan, 

Topeka, Kansas -- to acquire additional shares of Commerce Bank and Trust Holding 

Company, Topeka, and its subsidiary bank, CoreFirst Bank & Trust.

Kansas City

- Withdrawn, January 25, 2011

Bank Mergers

Bank Iowa, Clarinda, Iowa -- to merge with Bank Iowa, Altoona; Bank Iowa, 

Denison; Bank Iowa, Humboldt; Bank Iowa, New Hampton; Bank Iowa, Oskaloosa; 

and Bank Iowa, Red Oak, and thereby establish branches.

Chicago

- Withdrawn, January 24, 2011

(A/C) = Addition or Correction Delegated - 1 of 2
Change in Bank Control

Alcar LLC, New York, New York -- change in bank control of Alcar and its 

subsidiary bank, Darien Rowayton Bank, Darien, Connecticut.

New York

- Withdrawn, January 24, 2011

Cascade Bancorp, Bend, Oregon -- change in bank control of Cascade and its 

subsidiary bank, Bank of the Cascades, Bend (three notices).

San Francisco

- Permitted, January 24, 2011

Extensions of Time

Fentura Financial, Inc., Fenton, Michigan -- extension to April 27, 2011, to establish 

a subsidiary, Fentura Holdings, L.L.C., Fenton, to engage in extending credit and 

servicing loans.

Chicago

- Granted, January 26, 2011

M&P Community Bancshares, Inc. 401(k) Employee Stock Ownership Plan, 

Newport, Arkansas -- extension to April 29, 2011, to acquire additional shares of 

M&P Community Bancshares, Inc., Newport.

St. Louis

- Granted, January 27, 2011

H.2 Actions under delegated authority January 23, 2011 to January 29, 2011

(A/C) = Addition or Correction Delegated - 2 of 2
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending January 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending January 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banca Popolare di Vicenza S.C.p.A, Vicenza, 

Italy, to establish a representative office in New 

York, New York, pursuant to Section 211.24(a)

(1) of Regulation K.

BANCA POPOLARE VICENZA 

SCPAARL

Newspaper:

Federal Register:

FBSEA

Not applicable

Bank of China Limited, Beijing, China, to 09/15/2010

establish a federal branch in Chicago, Illinois, 

pursuant to Section 211.24(a)(1) of Regulation 

K.

BANK OF CHINA LIMITED

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Hana Financial Group Inc., Seoul, Korea, to 

acquire a controlling interest in Korea Exchange 

Bank, Seoul, Korea ("KEB"), and thereby 

engage indirectly through KEB's U.S. 

nonbanking subsidiaries in certain lending 

activities.

HANA FINANCIAL GROUP INC.

* 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 January 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending January 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Community Bank of Tri-County, Waldorf, 02/11/2011

Maryland, proposes to establish a branch at the 

intersection of Route 301 and Commerce Drive, 

Dahlgren, Virginia.

COMMUNITY BANK OF 

TRI-COUNTY

Newspaper:

Federal Register:

CIC Not available

01/21/2011

Notice by Mr. Mehrdad Elie of Redwood City, 

California, to individually acquire up to 32%, 

and as a group acting in concert with Mr. 

Mesfin Ayenew, Potomac, Maryland; Mr. David 

P. Como, Napa, California; Mr. Charles 

Turnbaugh, Baltimore, Maryland; Mr. Robert L. 

Gossard, Burlinggame, California; and Mr. 

Terrance M. Davis, Dillon Beach, California, to 

acquire in aggregate up to 41% of the voting 

securities of HarVest BanCorp, Inc., 

Gaithersburg, Maryland, and indirectly acquire 

shares of HarVest Bank of Maryland, Rockville, 

Maryland.

HARVEST BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Mr. Richard T. Spurzem to retain control of 

10.59% of of the outstanding shares of Pioneer 

Bankshares, Inc., Stanley, Virginia.

PIONEER BANKSHARES, INC.

* 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 January 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/11/2011

After-the-fact change in control notice filed by 

Thomas Dunlap Lumpkin II, and Peyton White 

Lumpkin, Pinecrest, Florida, to retain 10.51 

percent of the outstanding shares of Biscayne 

Bancshares, Inc. and its subsidiary bank, 

Biscayne Bank, both of Coconut Grove, Florida.

BISCAYNE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

02/28/2011

Peoples Bancshares, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of People Bank, both of 

Mendenhall, Mississippi.

PEOPLES BANCSHARES, 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 January 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

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:

Member Not applicable

Not applicable

Freedom Financial Bank, West Des Moines, 

Iowa, to become a member in the Federal 

Reserve System.

FREEDOM FINANCIAL BANK

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Village Bank and Trust Company, Arlington 

Heights, Illinois, to purchase certain assets and 

assume certain liabilities of a branch located in 

320 East Northwest Highway, Mount Prospect, 

Illinois, from Northbrook Bank & Trust 

Company, Northbrook, Illinois, and thereby to 

establish a branch at the same location.

VILLAGE BANK & TRUST

Newspaper:

Federal Register:

* Branch

Not applicable

Wheaton Bank and Trust Company, Wheaton, 02/02/2011

Illinois, to establish a branch facility to be 

located at 1205 South Naper Boulevard, 

Naperville, Illinois.

WHEATON 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

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 January 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/19/2011

02/28/2011

Cabool State Bank Employee Stock Ownership 

Plan, Cabool, Missouri, to increase its 

ownership from 31.42 percent up to 32.44 

percent of the outstanding voting shares of 

Cabool Bancshares, Inc., Cabool, Missouri, and 

thereby increase its indirect control of Cabool 

State Bank, Cabool, Missouri.

CABOOL STATE BANK 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

* 3A1 02/28/2011

02/24/2011

SBW Bancshares, Inc., Waterloo, Illinois, to 

become a bank holding company by acquiring 

100 percent of State Bank of Waterloo, 

Waterloo, Illinois.

SBW 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending January 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/01/2011

Notice by Noah W. Wilcox, as an individual and 

as trustee of the Noah W. Wilcox Trust, Grand 

Rapids, Minnesota, to acquire 25 % or more of 

the shares of Wilcox Bancshares, Grand Rapids, 

Minnesota, and thereby indirectly control Grand 

Rapids State Bank, Grand Rapids, Minnesota. 

Additionally, the Noah W. Wilcox trust will 

acquire 10 % or more of Wilcox Bancshares, and 

thus join the Wilcox Family Group, and thereby 

indirectly control Grand Rapids State Bank, 

Grand Rapids, Minnesota.

WILCOX 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

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 January 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 01/14/2011

01/14/2011

Commerce Bank and Trust Holding Company 

Employee Stock Ownership Plan, to acquire an 

additional 3.78 percent for a total of up to 35.8 

percent of the voting shares of Commerce Bank 

and Trust Holding Company, parent of 

CoreFirst Bank & Trust, all in Topeka, Kansas.

COMMERCE BANK AND TRUST 

HOLDING COMPANY 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Five Points Bank, Grand Island, Nebraska, to 

purchase certain assets and assume certain 

liabilities of the LaVista, Nebraska branch of 

First State Bank, Gothenberg, Nebraska.

FIVE POINTS BANK

Newspaper:

Federal Register:

* 3A3 02/25/2011

02/21/2011

Frontier Holdings, LLC, Omaha, Nebraska, to 

acquire 100 percent of the voting shares of 

ARSEBECO, Inc., parent of Richardson County 

Bank & Trust Company, both in Falls City, 

Nebraska. Frontier Management, LLC, Omaha, 

Nebraska, to acquire indirect control of 100 

percent of the voting shares of ARSEBECO, 

Inc., parent of Richardson County Bank & Trust 

Company, both in Falls City, Nebraska, by 

virtue of its control of the affairs of Frontier 

Holdings, LLC, Omaha, Nebraska.

FRONTIER HOLDINGS, LLC

Newspaper:

Federal Register:

CIC 02/11/2011

01/03/2011

Notice submitted by Jeffrey J. Heiman and Jerod 

J. Heiman, both of Wichita, Kansas, to retain 

control of Norcon Financial Corp., parent of 

Conway Bank, National Association, both in 

Conway Springs, Kansas.

NORCON FINANCIAL CORP.

Newspaper:

Federal Register:

CIC 02/10/2011

02/11/2011

Notice submitted by the Linda Lake Young 

Irrevocable Trust, the Lori Lee Young 

Irrevocable Trust, and the Robyn Elizabeth 

Batson Irrevocable Trust, all of Broken Bow, 

Oklahoma and all as members of the Young 

Family control group, to retain control of 

Southeastern Bancshares, Inc., parent of 1st 

Bank & Trust, both in Broken Bow, Oklahoma. 

Robyn Batson, Broken Bow, Oklahoma, serves 

as sole trustee of each of the trusts.

SOUTHEASTERN 

BANCSHARES, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending January 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/17/2011

02/18/2011

Citizens National Bancshares of Bossier,Inc., 

Bossier City, Louisiana, to acquire 100 percent 

of Citizens Bankshares of Springhill, Inc., 

Springhill, Louisiana, and indirectly acquire 

Citizens Bank & Trust Company, Springhill, 

Louisiana.

CITIZENS NATIONAL 

BANCSHARES OF BOSSIER, INC.

Newspaper:

Federal Register:

CIC Not available

02/17/2011

Notice by James Edward Campbell; Rick Lane 

Campbell, individually, and as Trustee for the 

Collin McElroy Trust; Angela Lee Koonce, 

individually, and as Trustee for the Collin 

McElroy Trust; and Cameron James McElroy all 

of Center, Texas (the "Campbell Family Group"); 

Aaron Weldon Boles and Lisa Gayle McAdams, 

both of Center, Texas (the "Boles Family 

Group"); Clyde Donald Monroe, Center, Texas; 

and Brenda Monroe Humble, Shelbyville, Texas 

(the "Monroe Family Group"); Sammy Dean 

Dance and Connie Mettauer, both of Center, 

Texas (the "Dance Family Group") (collectively 

"Notificants"), to retain 25 percent or more of 

the shares of, and thereby control of, Shelby 

Bancshares, Inc. and indirectly Shelby Savings 

Bank, SSB, both of Center, Texas.

SHELBY BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 02/04/2011

02/07/2011

Sulphur Springs Bancshares, Inc., Sulphur 

Springs, Texas, to acquire by merger 100 percent 

of First Mineola, Inc., and indirectly acquire The 

First National Bank of Mineola, both of 

Mineola, Texas.

SULPHUR SPRINGS 

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 January 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bank of Taiwan, Taipei, Taiwan, to upgrade its 

New York Agency to a branch office pursuant 

to section 211.24(a)(2)(ii)(a) of Regulation K and 

seciton 7(d) of FBSEA.

BANK OF TAIWAN

Newspaper:

Federal Register:

CIC Not available

12/17/2010

1) ACMO-CPF, L.L.C., New York, New York, and 

persons that are acting with or control 

ACMO-CPF, L.L.C. (Anchorage Capital Master 

Offshore, Ltd., ACPO Master, L.P., Anchorage 

Capital Partners Offshore, Ltd., ACPO Master, 

Ltd., all of Grand Cayman, Cayman Islands; 

Anchorage Capital Partners, L.P., Anchorage 

Capital Group, L.L.C. (f/k/a Anchorage 

Advisors, L.L.C.), Anchorage Capital, L.L.C. 

(f/k/a Anchorage Capital Group, L.L.C.), 

Anchorage Capital Management, L.L.C., 

Anchorage Advisors Management, L.L.C., all of 

Wilmington, Delaware; and Kevin Ulrich and 

Anthony Davis, both of New York, New York, 

to acquire up to 24.9 percent of Central Pacific 

Financial Corp., Honolulu, Hawaii, and thereby 

indirectly acquire control of Bancorp's 

subsidiary, Central Pacific Bank, Honolulu, 

Hawaii; and Central Pacific Corp, Honolulu, 

Hawaii, to appoint Alvaro Jose Aguirre as a 

Director.

CENTRAL PACIFIC FINANCIAL 

CORP.

* 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