Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 4 

Week Ending January 23, 2010

Board of Governors of the Federal Reserve System, Washington, DC 20551
Banks, Nonmember, and Miscellaneous Institutions

CLS Bank International, New York, New York -- to acquire shares of 

CLS Aggregation Services LLC, Wilmington, Delaware, and thereby engage in 

foreign exchange aggregation services.

- Approved, January 19, 2010

Forms

Forms -- initial Board review to extend with revision the Semiannual Report of 

Derivatives Activity (FR 2436), to extend without revision the Notice of Branch 

Closure (FR 4031) and Reports Related to Securities of State Member Banks as 

Required by Regulation H (Reg H-1), and to conduct with revision the Census of 

Finance Companies (FR 3033p).

- Proposed, January 19, 2010

Forms -- initial Board review to extend without revision the Written Security 

Program for State Member Banks (FR 4004), Uniform Application for Municipal 

Securities Principal or Municipal Securities Representative Associated with a Bank 

Municipal Securities Dealer (FR MSD-4), Uniform Termination Notice for 

Municipal Securities Principal or Municipal Securities Representative Associated 

with a Bank Municipal Securities Dealer (FR MSD-5), Notice by Financial 

Institutions of Government Securities Broker or Government Securities Dealer 

Activities (FR G-FIN), and Notice by Financial Institutions of Termination of 

Activities as a Government Securities Broker or Government Securities Dealer 

(FR G-FINW).

- Proposed, January 20, 2010

Regulations and Policies

Risk-Based Capital Guidelines -- final interagency rule for regulatory capital 

standards related to statements of financial accounting standards Nos. 166 and 167.

- Approved, January 4, 2010

(A/C)

H.2 Board Actions January 17, 2010 to January 23, 2010

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

Bank of Virginia, Midlothian, Virginia -- written agreement with the Federal Reserve 

Bank of Richmond and the Virginia Bureau of Financial Institutions.

- Announced, January 19, 2010

Community Financial Holding Company, Inc., Duluth, Georgia -- written agreement 

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

of Georgia.

- Announced, January 19, 2010

Tamalpais Bancorp, San Rafael, California -- written agreement with the Federal 

Reserve Bank of San Francisco.

- Announced, January 21, 2010

H.2 Board Actions January 17, 2010 to January 23, 2010

(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

January 17, 2010 to January 23, 2010

Bank Branches, Domestic

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at Highway 277 and 

A Street, Elgin, Oklahoma.

St. Louis

- Approved, January 21, 2010

Virginia Bank and Trust Company, Danville, Virginia -- to establish a branch at 

1729 Calohan Road, Rustburg.

Richmond

- Approved, January 21, 2010

Bank Holding Companies

Bancolombia S.A., Medellin, Colombia -- to acquire Bienes y Servicios, S.A., Santa 

Tecla, El Salvador, and thereby engage in activities related to money transfer services 

and selling prepaid calling cards.

Atlanta

- Withdrawn, January 20, 2010

Bank of China Limited, Beijing, China -- to engage in securities brokerage, 

riskless-principal, and private-placement activities through BOC International (USA) 

Inc., New York, New York.

New York

- Approved, January 21, 2010

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

Bank of China Limited, Beijing, China -- to continue to engage in leasing activities 

through BOC Aviation (USA) Corporation, Reno, Nevada.

New York

- Approved, January 21, 2010

Bank4Texas Holdings, Inc., Chillicothe, Texas -- to become a bank holding company 

and to acquire Northern Bancshares, Inc., Chillicothe, and thereby acquire The First 

National Bank of Chillicothe.

Dallas

- Withdrawn, January 21, 2010

Bond Street Holdings, LLC, Naples, Florida; Bond Street Investors LLC; and Bond 

Street Management, LLC -- to become bank holding companies and to acquire Bond 

Street Bank, N.A., Naples.

Atlanta

- Approved, January 22, 2010

Boston Private Financial Holdings, Inc., Boston, Massachusetts -- to engage in 

financial and investment advisory activities through the acquisition of the remaining 

direct ownership interest in KLS Professional Advisers Group, LLC, New York, 

New York.

Boston

- Approved, January 20, 2010

First Waterloo Bancshares, Inc., Waterloo, Illinois -- to acquire Red Bud Bancorp, 

Inc., Red Bud, and thereby acquire First State Bank of Red Bud.

St. Louis

- Withdrawn, January 22, 2010

H.2 Actions under delegated authority January 17, 2010 to January 23, 2010

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

Franklin Resources, Inc., San Mateo, California -- to acquire shares of Bond Street 

Holdings, LLC, New York, New York.

San Francisco

- Approved, January 22, 2010

Piedmont Community Bank Holdings, Inc., Chapel Hill, North Carolina -- to become 

a bank holding company and to acquire shares of VantageSouth Bank, Burlington.

Richmond

- Approved, January 20, 2010

Bank Mergers

The Citizens State Bank of Choteau, Choteau, Montana -- to merge with The First 

National Bank of Fairfield, Fairfield, and thereby establish branches in Choteau and 

Vaughn.

Minneapolis

- Approved, January 22, 2010

Banks, Nonmember, and Miscellaneous Institutions

Central Park Credit Bank, New York, New York -- request for an exemption under 

the Depository Institution Management Interlocks Act and Regulation L.

New York

- Withdrawn, January 21, 2010

Change in Bank Control

Bozeman Bancorp, Inc., Bozeman, Montana -- to retain control of Bozeman and its 

subsidiary bank, Bank of Bozeman.

Minneapolis

- Permitted, January 22, 2010

H.2 Actions under delegated authority January 17, 2010 to January 23, 2010

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

Level One Bancorp, Inc., Farmington Hills, Michigan -- change in bank control of 

Level One and its subsidiary bank, Level One Bank, Farmington Hills.

Chicago

- Permitted, January 22, 2010

Extensions of Time

Minier Financial, Inc. Employee Stock Ownership Plan w/401(k) Provisions, Minier, 

Illinois -- extension to April 20, 2010, to increase its ownership of Minier Financial, 

Inc., Minier, and thereby increase its indirect ownership of First Farmers State Bank.

Chicago

- Granted, January 20, 2010

Membership

Bank of Ohio County, Inc., Dundee, Kentucky -- to become a member of the Federal 

Reserve System.

St. Louis

- Approved, January 20, 2010

Central Park Credit Bank, New York, New York -- to become a member of the 

Federal Reserve System.

New York

- Withdrawn, January 21, 2010

H.2 Actions under delegated authority January 17, 2010 to January 23, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending January 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

State Street Bank & Trust Company and State 

Street International Holdings (SSIH), both of 

Boston, Massachusetts, to invest in certain 

subsidiaries of SSIH pursuant to section 211.9(f) 

of Regulation K, in connection with the 

acquisition of the securities servicing business 

of Intesa Sanpaolo SpA, which exceeds the 

limits under sections 211.9(b)(2) and 211.9(b)(6)

(i) of Regulation K.

STATE STREET BANK AND 

TRUST COMPANY

* 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 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8

* 3A3

02/19/2010

First Niagara Financial Group, Inc., Buffalo, New 

York ("FNFG"), to become a bank holding 

company by acquiring Harleysville National 

Corporation and Harleysville National Bank and 

Trust Company, both of Harleysville, 

Pennsylvania. FNFG to retain First Niagara 

Bank, Buffalo, New York ("FNB"), and thereby 

operate a savings association. FNFG to retain 

FNB upon conversion of FNB to a national 

bank, pursuant to Section 3(a)(3) of the BHC 

Act.

FIRST NIAGARA 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 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Susquehanna Bank, Lititz, PA proposes to 01/26/2010

establish a branch office located at 1845 Walnut 

Street, Philadelphia, PA, 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

 272218 WILMINGTON TC, WILMINGTON, DELAWARE 07/20/2009 01/13/2010 O Large Bank

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 23, 2010

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 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Caja de Ahorros y Monte de Piedad de Navarra, 01/25/2010

Pamplona (Navarra), Spain, to establish a 

representative office in Washington, D.C.

Caja de Ahorros y Monte de 

Piedad de Navarra

* 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

 1356535 CAPITALBANK, GREENWOOD, SOUTH CAROLINA 10/05/2009 01/12/2010 S Int Sm Bank

 886624 CLEAR MNT BK, BRUCETON MILLS, WEST VIRGINIA 09/14/2009 01/04/2010 O Int Sm Bank

 534774 VA COMMONWEALTH BK, PETERSBURG, VIRGINIA 09/21/2009 01/11/2010 S Int Sm 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 January 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/13/2010

Prior change in control notice filed by Kirk 

Doskocil to acquire 50.1 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 50.1 percent.

BONIFAY HOLDING COMPANY, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 01/29/2010

Florida Shores Shamrock, Inc., Naples, Florida, 

to become a bank holding company by 

acquiring at least 60 percent of the outstanding 

shares of Shamrock Bank of Florida, Naples, 

Florida, to be known as Florida Shores 

Bank-Gulf Coast; and Florida Shores Bancorp, 

Inc., along with Smith Associates Bank Fund 

Management LLC, and Smith Associates Florida 

Banking Fund LLC, all of Pompano Beach, 

Florida, to collectively acquire at least 60 

percent of the outstanding shares of Florida 

Shores Shamrock, Inc., Naples, Florida, and its 

subsidiary, Shamrock Bank of Florida, Naples, 

Florida, to be known as Florida Shores 

Bank-Gulf Coast.

FLORIDA SHORES BANCORP, 

INC.

Newspaper:

Federal Register:

* 4c8 Not available

01/27/2010

Florida Shores Bancorp, Inc., Smith Associates 

Bank Fund Management LLC, and Smith 

Associates Florida Banking Fund LLC, all of 

Pompano Beach, Florida, to collectively acquire 

at least 60 percent of the outstanding shares of 

Coastal Bancorporation, Inc. and its subsidiary, 

Coastal Bank, both of Merritt Island, Florida, 

and thereby engage in operating a savings 

association, pursuant to section 4(c)(8) of the 

Bank Holding Company Act and section 

225.28(b)(4)(ii) of Regulation Y.

FLORIDA SHORES BANCORP, 

INC.

Newspaper:

Federal Register:

CIC 02/01/2010

02/04/2010

Prior change in control notice filed by William 

Hall Losner, Homestead, Florida, to acquire 

13.32 percent of the outstanding shares of 

Hometown of Homestead Banking Company, 

and its subsidiary, 1st National Bank of South 

Florida, both of Homestead, Florida. Total pro 

forma ownership will equal 30.49 percent.

HOMETOWN OF HOMESTEAD 

BANKING COMPANY

Newspaper:

Federal Register:

CIC 02/01/2010

02/04/2010

Prior change in control notice filed by Richard 

T. Alger, the Richard T. Alger Revocable Trust, 

Richard T. Alger, trustee, and the Mason W. 

Alger and Dorothy Turner Alger Irrevocable 

Trust for Thomas M. Alger, Richard T. Alger, 

trustee, to acquire 13 percent of the outstanding 

shares of Hometown of Homestead Banking 

Company, and its subsidiary, 1st National Bank 

of South Florida, both of Homestead, Florida. 

Total pro forma ownership will equal 29.76 

percent.

HOMETOWN OF HOMESTEAD 

BANKING COMPANY

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

Federal Reserve Bank of Atlanta

Filings received during the week ending January 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

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, Palm Bank, both of Tampa, Florida.

PALM BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

02/12/2010

State Bank Financial Corporation, Atlanta, 

Georgia, to become a bank holding company by 

acquiring 100 percent of the outstanding shares 

of State Bank and Trust Company, Macon 

(Pinehurst), Georgia.

STATE BANK FINANCIAL 

CORPORATION

* 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

 233031 REGIONS BK, BIRMINGHAM, ALABAMA 10/22/2007 01/15/2010 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending January 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 02/04/2010

02/02/2010

Notice by Moross Limited Partnership, Grosse 

Pointe Park, Michigan, together with Riddle 

Limited Partnership, Howell, Michigan, to retain 

control of FNBH Bancorp, Inc., Howell, 

Michigan, and thereby indirectly retain shares 

of First National Bank in Howell, Howell, 

Michgan. Moross is controlled by Pacesetter 

Management, Inc., Howell, Michigan, and 

Pacesetter is wholly owned and controlled by 

Stanley B. Dickson, Jr.. Riddle Limited 

Partnership is controlled by Kathryn J. Dickson, 

Howell, Michigan.

FNBH BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

01/27/2010

Notice by John E. Helgerson, Ottumwa, Iowa, to 

acquire additional shares of Hedrick Bancorp, 

Inc., Hedrick, Iowa, and thereby indirectly 

Hedrick Savings Bank, Ottumwa, Iowa.

HEDRICK BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

02/10/2010

Notice by Vernon R. Pfaff, Fairbury, Indiana, to 

acquire over 10 percent of the outstanding 

shares of United Commerce Bancorp, 

Bloomington, Indiana, and thereby indirectly 

acquire control of United Commerce Bank, 

Bloomington, Indiana.

UNITED COMMERCE BANCORP

* 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 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 02/14/2010

02/19/2010

Cabool State Bank Employee Stock Ownership 

Plan, Cabool, Missouri, to increase its 

ownership from 30.63 percent up to 31.67 

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:

* 3A3 02/09/2010

02/19/2010

First National Bancorp, Inc., Green Forest, 

Arkansas ("Bancorp"), to acquire 2,534 

additional voting shares of Legacy National 

Bank, Springdale, Arkansas ("Legacy"). The 

acquisition will result in Bancorp retaining 

ownership of up to 9.06 percent of Legacy's 

voting stock.

FIRST NATIONAL BANCORP, 

INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Midland States Bank, Effingham, Illinois, to 02/18/2010

purchase certain assets and assume certain 

liabilities of 13 branch offices of Amcore Bank, 

N.A., Rockford, Illinois, and to retain the 

acquired facilities as a branches.

MIDLAND STATES BANK

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Progressive Financial Services, Inc., McKenzie, 

Tennessee, proposes to engage in lending and 

loan servicing activities.

PROGRESSIVE FINANCIAL 

SERVICES, 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 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 01/22/2010

01/22/2010

Drayton Bancor, Inc., Drayton, North Dakota, to 

merge with Walsh County Bancorporation, Inc., 

Drayton, North Dakota

DRAYTON BANCOR, INC.

Newspaper:

Federal Register:

* 3A1 Not available

02/12/2010

Lake Central Financial, Inc., Annandale, 

Minnesota, to become a bank holding company 

by acquiring 100 percent of Annandale State 

Bank, Annandale, Minnesota.

LAKE CENTRAL FINANCIAL, 

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 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Bank of Commerce, Chanute, Kansas, to merge 02/13/2010

with First State Bank of Thayer, Thayer, 

Kansas, and incident thereto to establish a 

branch, and to operate under the title of Bank of 

Commerce, Chanute, Kansas.

BANK OF COMMERCE

Newspaper:

Federal Register:

* 18C

Not applicable

Colorado Community Bank, Yuma, Colorado, to 02/07/2010

purchase certain assets and assume certain 

liabilities of the Northglenn and Longmont 

branches of Liberty Savings Bank, FSB, 

Wilmington, Ohio.

COLORADO COMMUNITY 

BANK

Newspaper:

Federal Register:

* 3A1 Not available

02/05/2010

First National Management Group, LLC, 

Greenwood Village, Colorado, to become a bank 

holding company through the acquisition of at 

least 93 percent of the voting shares of Amoret 

Bancshares, Inc., parent of BC National Banks, 

both in Butler, Missouri.

FIRST NATIONAL 

MANAGEMENT GROUP, LLC

Newspaper:

Federal Register:

CIC Not available

02/09/2010

Notification by Verlyn Joseph Herman, Jr., and 

Aaron Joseph Herman, both of Norton, Kansas, 

as members of a family group acting in concert, 

to retain control of First Norton Corporation, 

parent of First Security Bank & Trust Company, 

both of Norton, Kansas.

FIRST NORTON CORPORATION

* 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 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

02/22/2010

Austin Bancshares, Inc., Austin, Texas, to 

become a bank holding company by acquiring 

100 percent of La Grange Bancshares, Inc., La 

Grange, Texas, and indirectly acquire Colorado 

Valley Bank, SSB, La Grange, Texas.

AUSTIN BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

02/11/2010

Notice by the Clary Anthony Family Irrevocable 

Trust #101, Shreveport, Louisiana, Ms. Lynda 

June Anthony, Shreveport, Louisiana, and Mr. 

Luther Clary Anthony, Jr., Atlanta, Texas, 

Co-Trustees; Ms. Lynda June Anthony, 

Shreveport, Louisiana; Mr. Luther Clary 

Anthony, Jr., Atlanta, Texas; Mr. Luther Clary 

Anthony Sr., Springhill, Louisiana; Mrs. Frankie 

Sayers Anthony, Springhill, Louisiana, 

individually, (collectively, the "Notificants") 

have applied to the Federal Reserve Board for 

permission to retain 10% or more of the shares, 

and acquire additional shares, and thereby 

control of Citizens Bankshares of Springhill, 

Inc., and indirectly control its 

subsidiary,Citizens Bank & Trust Company, 

both of Springhill, Louisiana.

CITIZENS BANKSHARES OF 

SPRINGHILL, INC.

Newspaper:

Federal Register:

CIC 02/04/2010

02/04/2010

Notice by Mr. A. C. Schwethelm, Comfort, 

Texas, to apply to the Federal Reserve Board for 

permission to retain 10% or more of the shares, 

and acquire additional shares, and thereby 

control of Paint Rock Bancshares, Inc. and 

indirectly control its subsidiary, First State 

Bank, both of Paint Rock, Texas.

PAINT ROCK 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 23, 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:

* 3A3 Not available

Not available

Franklin Resources, Inc., San Mateo, California, 

to acquire 9.9 percent of the voting shares of 

Bond Street Holdings, LLC, New York, New 

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

Holding Company Act.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Franklin Resources, Inc., San Mateo, California, 

to acquire 9.9 percent of the voting shares of 

First Southern Bancorp, Inc., Boca Raton, 

Florida, 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:

* 3A1 Not available

4c8 02/16/2010

Grandpoint Capital, Inc., Los Angeles, 

California, to become a Bank Holding Company 

by acquiring 100 percent of the voting shares of 

Santa Ana Business Bank, Santa Ana, 

California, and 2)to engage de novo through its 

wholly-owned subsidiary, Grandpoint Capital 

Advisors, Inc., Los Angeles, California, in 

financial advisory activities to businesses and 

individuals, pursuant to section 225.28(b)(6) and 

in private placement of debt and equity 

securities activities, pursuant to section 

225.28(b)(7)(iii) of Regulation Y.

GRANDPOINT CAPITAL, 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

Filings received during the week ending January 23, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Wells Fargo Bank, N.A., Sioux Falls, South 

Dakota, to acquire, directly and indirectly, 25 

percent or more of the voting shares of Cardinal 

International Leasing, LLC, Monument Street 

Funding International I, LLC, Monument Street 

Internatioal Funding II, LLC; Wachovia Asia 

Holding Corporation LLC, and Wachovia 

International Bank Corporation.

WELLS FARGO & COMPANY

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act