Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 10 

Week Ending March 6, 2010

Board of Governors of the Federal Reserve System, Washington, DC 20551
Regulations and Policies

Regulation Z (Truth in Lending) -- publication for comment of amendments to 

protect credit card users from unreasonable late-payment and other penalty fees and 

to require credit card issuers to reevaluate annual percentage rates increased on or 

after January 1, 2009.

- Approved, March 2, 2010

Enforcement

Northwest Community Bancorp, Inc., Shoreline, Washington -- written agreement 

with the Federal Reserve Bank of San Francisco.

- Announced, March 1, 2010

H.2 Board Actions February 28, 2010 to March 6, 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

February 28, 2010 to March 6, 2010

Bank Branches, Domestic

Marblehead Bank, Marblehead, Massachusetts -- to establish a branch at 

100 Cummings Center, Beverly.

Boston

- Approved, March 4, 2010

Southwest Bank, Fort Worth, Texas -- to establish a branch at 901 South MoPac 

Expressway, Building 3, Austin.

Dallas

- Approved, March 3, 2010

Bank Holding Companies

Florida Shores Bancorp, Inc., Pompano Beach, Florida; Smith Associates Bank Fund 

Management LLC; and Smith Associates Florida Banking Fund LLC -- to acquire 

shares of Coastal Bancorporation, Inc., Merritt Island, and Coastal Bank, a federal 

savings bank, and thereby engage in operating a savings association.

Atlanta

- Withdrawn, March 3, 2010

GFP Financial Services Company, Tulsa, Oklahoma -- to become a bank holding 

company and to acquire shares of First Pryor Bancorp, Inc., Pryor, and First Pryority 

Bank.

Kansas City

- Withdrawn, March 3, 2010

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

S.B.C.P. Bancorp, Inc., Cross Plains, Wisconsin -- waiver of application to acquire 

Black Earth Bancshares, Inc., Black Earth, and Black Earth State Bank, in connection 

with the bank's merger with S.B.C.P.'s subsidiary bank, State Bank of Cross Plains, 

Cross Plains.

Chicago

- Withdrawn, March 3, 2010

Sandhills Financial Services, LLC, Fremont, Nebraska -- to become a bank holding 

company and to acquire Bassett Investment Company, Bassett, and thereby acquire 

Commercial Bank.

Kansas City

- Approved, March 4, 2010

TexStar Bancshares, Inc., Universal City, Texas -- to become a bank holding 

company and to acquire TexStar National Bank, Universal City.

Dallas

- Returned, March 2, 2010

Bank Mergers

IBERIABANK, Lafayette, Louisiana -- to acquire the Mobile, Alabama, branch of 

IBERIABANK FSB, Little Rock, Arkansas, and thereby establish a branch.

Atlanta

- Approved, March 1, 2010

H.2 Actions under delegated authority February 28, 2010 to March 6, 2010

(A/C) = Addition or Correction Delegated - 2 of 4
Change in Bank Control

Citizens Bankshares of Springhill, Inc., Springhill, Louisiana -- change in bank 

control of Citizens and its subsidiary bank, Citizens Bank & Trust Company, 

Springhill.

Dallas

- Permitted, March 4, 2010

FNBH Bancorp, Inc., Howell, Michigan -- to retain control of FNBH and its 

subsidiary bank, First National Bank in Howell, Howell.

Chicago

- Permitted, March 5, 2010

Hedrick Bancorp, Inc., Hedrick, Iowa -- change in bank control of Hedrick and its 

subsidiary bank, Hedrick Savings Bank, Ottumwa.

Chicago

- Permitted, March 4, 2010

Mansura Bancshares, Inc., Mansura, Louisiana -- to retain control of Mansura and its 

subsidiary bank, The Cottonport Bank, Cottonport.

Atlanta

- Withdrawn, March 2, 2010

Paint Rock Bancshares, Inc., Paint Rock, Texas -- change in bank control of Paint 

Rock and its subsidiary bank, First State Bank, Paint Rock.

Dallas

- Permitted, March 2, 2010

H.2 Actions under delegated authority February 28, 2010 to March 6, 2010

(A/C) = Addition or Correction Delegated - 3 of 4
International Operations

Citibank, N.A., New York, New York -- request on behalf of Citibank Overseas 

Investment Corporation, New Castle, Delaware, for permission for Citibank Nigeria, 

Ltd., Lagos, Nigeria, to temporarily retain an investment.

Director, BS&R

- Granted, March 4, 2010

The National Agricultural Cooperative Federation, Seoul, Korea -- to establish a 

branch in New York, New York.

New York

- Withdrawn, March 4, 2010

Standard Chartered International (USA) Ltd., New York, New York -- waiver of 

remainder of notification period to invest in a newly formed Cayman Islands limited 

partnership.

Director, BS&R

- Granted, March 4, 2010

H.2 Actions under delegated authority February 28, 2010 to March 6, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending March 6, 2010

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 March 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

National Agricultural Cooperative Federation, 

Seoul, Korea, to establish a representative office 

in New York, New York.

NATIONAL AGRICULTURAL 

COOPERATIVE FEDERATION, 

THE

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

Federal Reserve Bank of New York

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending March 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8

* 18C

03/04/2010

03/25/2010

Bryn Mawr Bank Corporation, Bryn Mawr, PA, 

to acquire First Keystone Financial, Inc., Media, 

PA, pursuant to Section 4(c)(8) of the Bank 

Holding Company Act.

BRYN MAWR BANK 

CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Bryn Mawr Bank Corporation, Bryn Mawr, PA, 

to retain ownership of The Bryn Mawr Trust 

Company of Delaware, Wilmington, DE.

BRYN MAWR BANK 

CORPORATION

Newspaper:

Federal Register:

CIC 03/16/2010

03/22/2010

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 19.9 percent of 

Central Valley Community Bancorp, Fresno, CA.

PATRIOT FINANCIAL 

PARTNERS LP

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending March 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 03/16/2010

03/18/2009

Notice of Change in Bank Control by Jeffrey J. 

Woda and David Cooper, Jr., acting in concert, 

to acquire 16.43 perecnt of the outstanding 

voting shares of Benchmark Bancorp, Gahanna, 

OH, and thereby indirectly acquire control of 

Benchmark Bank, Gahanna, OH

BENCHMARK BANCORP, INC.

Newspaper:

Federal Register:

CIC 03/08/2010

03/08/2010

Interagency Notice of Change in Bank Control 

filed by the Rogers Immediate Family Control 

Group to acquire 10 percent or more of the 

outstanding voting shares and control of 

Citizens Bancshares, Inc., thereby indirectly 

acquiring control of The Citizens National Bank 

of Somerset, both of Somerset, Kentucky.

CITIZENS BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 03/08/2010

03/08/2010

Interagency Notice of Change in Bank Control 

filed by Harris Rakestraw, III, individually,to 

acquire 10 percent or more of the outstanding 

voting shares and control of Citizens 

Bancshares, Inc., thereby indirectly acquiring 

control of The Citizens National Bank of 

Somerset, both of Somerset, Kentucky.

CITIZENS BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 04/01/2010

Application by Jane Kincaid LLC, Lexington, 

KY to become a bank holding company by the 

acquisition of 27.9% of the voting shares of 

Central Bancshares, Inc., Lexington, KY 

pursuant to Sections 3(a)(1) and 4(c)(8) of the 

Bank Holding Company Act.

Jane Kincaid LLC

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 04/01/2010

Application by Joan Kincaid LLC, Lexington, 

KY to become a bank holding company by the 

acquisition of 29.3% of the voting shares of 

Central Bancshares, Inc., Lexington, KY 

pursuant to Sections 3(a)(1) and 4(c)(8) of the 

Bank Holding Company Act.

Joan Kincaid LLC

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending March 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 03/06/2010

01/22/2010

City Holding Company, Charleston, West 

Virginia, to acquire up to 7.5% of the 

outstanding common stock of First United 

Corporation, Oakland, Maryland, and thereby 

indirectly acquire up to 7.5% of the shares of 

First United Bank & Trust Company, Oakland, 

Maryland.

CITY HOLDING COMPANY

Newspaper:

Federal Register:

CIC Not available

Not available

The Mcleod family group to retain 11.70% 

ownership of Communitycorp, Walterboro, 

South Carolina.

COMMUNITYCORP

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending March 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Prior change in control notice filed by Kirk 

Doskocil to acquire 98.6 percent of the 

outstanding shares of Bonifay Holding 

Company, Inc., and its subsidiary, Bank of 

Bonifay, both of Bonifay, Florida. Total pro 

forma ownership will equal 98.6 percent.

BONIFAY HOLDING COMPANY, 

INC.

Newspaper:

Federal Register:

CIC Not available

02/09/2010

Prior change in control notice filed by Marty E. 

Adams, Salineville, Ohio; Kevin T. Thompson, 

Saint Augustine, Florida; and John S. Loeber, 

Travelers Rest, South Carolina; to acquire 

control of Palm Bancorp, Inc., and its subsidiary 

bank, The Palm Bank, both of Tampa, Florida.

PALM BANCORP, 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 March 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Ames Community Bank, Ames, Iowa, to merge 

with VisionBank of Iowa, Grimes, Iowa. As a 

result of the merger, Ames Community Bank, 

will establish a branch office at 925 Gateway 

Drive, Grimes, Iowa.

AMES COMMUNITY BANK

Newspaper:

Federal Register:

CIC Not available

03/12/2010

Notice by Carol O'Leary, Medford, Wisconsin, 

as an individual, and Carol O'Leary, Medford, 

Wisconsin, Tristar Printing Co., Inc., 

Abbotsford, Wisconsin, Kevin S. Flink and 

Kristine M. O'Leary, both of Abbotsford, 

Wisconsin, and Willis R. Whetstone, Medford, 

Wisconsin, as a group acting in concert to 

retain control of Central Wisconsin 

Bancorporation, Inc., Colby, Wisconsin, and 

thereby indirectly acquire Community Bank of 

Central Wisconsin, Colby, Wisconsin.

CENTRAL WISCONSIN 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

M&I Marshall and Ilsley Bank, Milwaukee, 03/08/2010

Wisconsin, to merge with Southwest Bank, an 

M&I Bank, St. Louis, Missouri, and thereby to 

establish 17 branches.

M&I MARSHALL & ILSLEY 

BANK

Newspaper:

Federal Register:

* 3A1 03/24/2010

03/25/2010

Premier Commerce Bancorp, Inc., Palos Hills, 

Illinois, to become a bank holding company by 

acquiring 100 percent of the voting shares of 

G.R. Bancorp, Ltd., Grand Ridge, Illinois, and 

thereby indirectly acquire The First National 

Bank of Grand Ridge, Grand Ridge, Illinois.

PREMIER COMMERCE 

BANCORP, INC.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Reg K - The Shorebank Corporation, Chicago, 

Illinois, through its subsidiary, ShoreCap II 

Limited, to invest up $4,500,000 million in Union 

Bank of Colombo Ltd., Colombo, Sri Lanka.

SHOREBANK CORPORATION, 

THE

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Gaetano M. Cecchini, Canton, Ohio, 

as trustee of the Gaetano Mattioli Cecchini 

Living Trust, Canton, Ohio, to acquire 50 

percent or more of the voting shares of 

Southport Financial Corporation, Kenosha, 

Wisconsin, and thereby indirectly acquire 

Southport Bank, Kenosha, Wisconsin.

SOUTHPORT FINANCIAL 

CORPORATION

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending March 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/22/2010

Notice by R. Tracy Fox, Little Rock, Arkansas, 

as trustee of the Smith Associated Banking 

Corporation Voting Trust Agreement, which will 

gain control of Smith Associated Banking 

Corporation, Hot Springs, Arkansas, and 

indirectly control Bank of Salem, Salem, 

Arkansas, and Security Bank, Stephens, 

Arkansas.

SMITH ASSOCIATED BANKING 

CORPORATION

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending March 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Minneapolis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending March 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

03/22/2010

Notice submitted by Olen Ray Hibbard and 

William (Mike) Michael Thompson, both of 

Edmond, Oklahoma, as trustees of the Citizens 

Bancshares, Inc. Employee Stock Ownership 

Trust, to retain control of Citizens Bancshares, 

Inc., and thereby indirectly retain control of 

Citizens Bank of Edmond, both in Edmond, 

Oklahoma.

CITIZENS BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 03/26/2010

04/01/2010

CrossFirst Holdings, LLC, Overland Park, 

Kansas, to acquire up to 100 percent of the 

voting shares of Town & Country Bank, 

Leawood, Kansas.

CROSSFIRST HOLDINGS, LLC

Newspaper:

Federal Register:

* 3A3

Not available

Evergreen Bancorporation, Evergreen, 03/26/2010

Colorado, to acquire up to 100 percent of the 

voting shares of Clear Creek National Bank, 

Georgetown, Colorado.

EVERGREEN 

BANCORPORATION

Newspaper:

Federal Register:

* 3A1 03/26/2010

03/26/2010

Platte Valley Bancorp, Inc., to become a bank 

holding company through the acquisition of 100 

percent of the voting shares of Platte Valley 

Bank, both in North Bend, Nebraska.

PLATTE VALLEY BANCORP, 

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

 625850 BANK OF VERSAILLES, VERSAILLES, MISSOURI 11/30/2009 02/24/2010 S Int Sm Bank

 941952 UNION BK, CHANDLER, OKLAHOMA 11/30/2009 03/01/2010 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 March 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish a 

branch at 6388 Camp Bowie Boulevard, Fort 

Worth, Tarrant County, Texas.

COMERICA BANK

Newspaper:

Federal Register:

CIC 03/22/2010

03/23/2010

Mr. Clarence D. Ballard, Winnsboro, Texas, to 

acquire an interest in Sulphur Springs 

Bancshares, Inc., Sulphur Springs, Texas, and 

therefore indirectly, The City National Bank of 

Sulphur Springs, Sulphur Springs, Texas.

SULPHUR SPRINGS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 03/27/2010

03/22/2010

Texas State Bankshares, Inc., Harlingen, Texas, 

to become a bank holding company by 

acquiring 100% of the common stock of 

Falfurrias State Bank, Falfurrias, Texas.

TEXAS STATE BANKSHARES, 

INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

TexStar Bancshares, Inc., Universal City, Texas, 

to become a bank holding company by 

acquiring 100 percent of TexStar National Bank, 

Universal City, Texas.

TEXSTAR BANCSHARES, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending March 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/29/2010

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund, L.P., Carpenter Community 

Bancfund-A, LP, Carpenter Community 

Bancfund-CA, L.P., SCJ, Inc., and CCFW, Inc., 

all of Irvine, California, to acquire up to 87 

percent of the outstanding voting shares of 

Mission Community Bancorp and thereby 

indirectly acquire a greater controlling interest 

in Mission Community Bank, both of San Luis 

Obispo, California; and 2) Mission Community 

Bancorp and Mission Community Bank, both of 

San Luis Obispo, California, to appoint Stephen 

P. Yost as a director of both Bancorp and Bank.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

CIC Not available

03/12/2010

Park Randal Roney, Mapleton, Utah, Blake 

Marshall Roney, Provo, Utah, Robert Tod 

Monsen, Mapleton, Utah, and Steven Jay Lund, 

of Provo, Utah, to acquire 25 percent or more of 

the voting shares of Community 

Bancorporation, Pleasant Grove, Utah, and 

thereby indirectly acquire voting shares of 

Western Community Bank, Orem, Utah.

COMMUNITY 

BANCORPORATION

Newspaper:

Federal Register:

CIC Not available

02/08/2010

Charles W. Reinking, Santa Rosa, California, to 

become co-Trustee of the Frank P. Doyle Trust, 

Article IX, which retains voting control of 

Exchange Bank, both of Santa Rosa, California.

FRANK P. DOYLE TRUST, 

ARTICLE IX

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Franklin Resources, Inc., San Mateo, California, 

to retain 9.53 percent of the voting shares of 

West Coast Bancorp, and thereby indirectly 

West Coast Bank, both of Lake Oswego, 

Oregon, pursuant to Section 3(a)(3) of the Bank 

Holding Company Act.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

12/07/2009

Golden Pacific Bancorp, Inc., Sacramento, 

California, to become a Bank Holding Company 

by acquiring 100 percent of the voting stock of 

Gold Country Financial Services, Inc., and 

indirectly its subsidiary, Gold Country 

Bank,National Association, both of Marysville, 

California.

GOLDEN PACIFIC BANCORP, 

INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Land Bank of Taiwan Co., Ltd., Taipei, Taiwan, 

to establish a New York branch office pursuant 

to section 211.24(a)(2)(i)(A) of Regulation K.

LAND BANK OF TAIWAN

* 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