Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 29 

Week Ending July 17, 2010

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony and Statements

Monetary Policy -- statement by Chairman Bernanke before the Senate Committee 

on Banking, Housing, and Urban Affairs on July 21 and before the House Committee 

on Financial Services on July 22, 2010, on the semiannual monetary policy report to 

the Congress.

- Discussed, July 15, 2010

Forms

Forms -- initial Board review to implement the Recordkeeping Requirements 

Associated with Limitations on Interbank Liabilities (Regulation F).

- Proposed, July 14, 2010

Monetary and Financial Policy

Monetary Policy -- semiannual monetary policy report to the Congress.

- Authorized, July 14, 2010

Enforcement

A.E. Bancorp, Inc., Buffalo Grove, Illinois -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, July 12, 2010

Bank of Whitman Employee Stock Ownership Plan, Colfax, Washington; Whitman 

Bancorporation, Inc.; and Bank of Whitman -- written agreement with the Federal 

Reserve Bank of San Francisco.

- Announced, July 14, 2010

Bannister Bancshares, Inc., Kansas City, Missouri -- written agreement with the 

Federal Reserve Bank of Kansas City.

- Announced, July 13, 2010

H.2 Board Actions July 11, 2010 to July 17, 2010

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

First Olathe Bancshares, Inc., Overland Park, Kansas -- written agreement with the 

Federal Reserve Bank of Kansas City.

- Announced, July 13, 2010

Home Valley Bank, Grants Pass, Oregon -- issuance of a prompt corrective action 

directive with the consent of the bank.

- Announced, July 12, 2010

Pilot Bancshares, Inc., Tampa, Florida, and Pilot Bank -- written agreement with the 

Federal Reserve Bank of Atlanta and the State of Florida Office of Financial 

Regulation.

- Announced, July 14, 2010

Premier Bank Holding Company, Tallahassee, Florida -- written agreement with the 

Federal Reserve Bank of Atlanta.

- Announced, July 13, 2010

H.2 Board Actions July 11, 2010 to July 17, 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

July 11, 2010 to July 17, 2010

Bank Branches, Domestic

Lake City Bank, Warsaw, Indiana -- to establish a branch at Outlot 2 Parcel at 

Parkwood West, Indianapolis.

Chicago

- Approved, July 12, 2010

New Century Bank, dba Customers 1st Bank, Phoenixville, Pennsylvania -- to 

establish a branch at 1015 Penn Avenue, Wyomissing.

Philadelphia

- Approved, July 12, 2010

Regions Bank, Birmingham, Alabama -- to establish branches at 180 Richardson 

Crossing, Arnold, Missouri; Waterbury Town Center and Waterbury Falls Drive, 

O'Fallon; and 508 South Mt. Juliet Road, Mt. Juliet, Tennessee.

Atlanta

- Approved, July 16, 2010

Bank Holding Companies

First Southern Bancorp, Inc., Stanford, Kentucky -- to acquire shares of CKF 

Bancorp, Inc., Danville, and thereby indirectly acquire an interest in Central 

Kentucky Federal Savings Bank.

Cleveland

- Approved, July 16, 2010

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

Franklin Resources, Inc., San Mateo, California -- to acquire an interest in North 

American Financial Holdings, Inc., Charlotte, North Carolina, and indirectly acquire 

NAFH National Bank, Miami, Florida.

San Francisco

- Approved, July 15, 2010

Prairieland Bancorp Employee Stock Ownership Plan and Trust, Bushnell, Illinois -- 

to increase its ownership of Prairieland Bancorp, Inc., Bushnell, and thereby 

indirectly increase its ownership of Farmers and Merchants State Bank of Bushnell.

Chicago

- Approved, July 12, 2010

Sandhills Financial Services, LLC, Fremont, Nebraska -- to continue to engage in 

general insurance activities through the retention of Sandhills Insurance Agency, 

LLC, Bassett.

Kansas City

- Approved, July 16, 2010

Waumandee Bancshares, Ltd., Waumandee, Wisconsin -- to acquire Waumandee 

Insurance Services, Inc., Waumandee, and thereby engage in insurance agency 

activities in a town with a population not exceeding 5,000.

Minneapolis

- Approved, July 15, 2010

Bank Mergers

Bank of Pontiac, Pontiac, Illinois -- to merge with Bank of Dwight, Dwight, and 

thereby establish two branches.

Chicago

- Approved, July 15, 2010

H.2 Actions under delegated authority July 11, 2010 to July 17, 2010

(A/C) = Addition or Correction Delegated - 2 of 3
Change in Bank Control

F.S.B. Properties, Inc., Quinton, Oklahoma -- change in bank control of F.S.B. 

Properties and its subsidiary bank, Farmers State Bank, Quinton.

Kansas City

- Permitted, July 12, 2010

First Columbia Bancorp, Inc., Lake City, Florida -- change in bank control of First 

Columbia and its subsidiary bank, Columbia Bank, Lake City.

Atlanta

- Permitted, July 14, 2010

South Dakota Bancshares, Inc., Pierre, South Dakota -- change in bank control of 

South Dakota and its subsidiary bank, BankWest, Inc., Pierre.

Minneapolis

- Permitted, July 12, 2010

Extensions of Time

International Brotherhood of Boilermakers, Iron Ship Builders, Blacksmiths, Forgers 

and Helpers, Kansas City, Kansas -- extension to July 20, 2011, to acquire shares of 

Brotherhood Bancshares, Inc., Kansas City, and The Brotherhood Bank & Trust 

Company.

Kansas City

- Granted, July 13, 2010

Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on June 22-23, and of the 

conference call on May 9, 2010.

FOMC

- Published, July 14, 2010

H.2 Actions under delegated authority July 11, 2010 to July 17, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending July 17, 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 July 17, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Bank of Millbrook, Millbrook, New York, 

requests approval to merge with The Stissing 

National Bank of Pine Plains, Pine Plain, New 

York, pursuant to Section 18(c) of the Federal 

Deposit Insurance. Act.

BANK OF MILLBROOK

* 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

 101671 ADIRONDACK BK, UTICA, NEW YORK 08/24/2009 07/06/2010 S Int Sm Bank

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 July 17, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

07/20/2010

Patriot Financial Partners, GP, L.P., Patriot 

Financial Partners, L.P., Patriot Financial 

Partners Parallel, L.P., Patriot Financial Partners, 

GP, LLC, Patriot Financial Managers, L.P., and 

Messrs. Ira M. Lubert, W. Kirk Wycoff and 

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 19.2 percent of 

Palmetto Bancshares, Inc., Greenville, SC.

PATRIOT FINANCIAL 

PARTNERS LP

Newspaper:

Federal Register:

CIC 08/09/2010

08/05/2010

WLR SBI AcquisitionCo, LLC, New York, NY, 

WL Ross & Co. LLC, New York, NY, Wilbur L. 

Ross, Jr., Palm Beach, FL, WLR Recovery Fund 

IV, L.P., New York, NY, WLR IV Parallel ESC, 

L.P., New York, NY, Invesco Ltd., Atlanta, GA, 

Invesco Holding Company Limited, London, 

United Kingdom, IVZ, Inc., Atlanta, GA, 

Invesco Group Services, Inc., Atlanta, GA, 

Invesco AIM Management Group, Inc., 

Houston, TX, Invesco North America Holdings, 

Inc., New York, NY, Invesco Advisers, Inc., 

Atlanta, GA, Invesco Private Capital, Inc., 

Atlanta, GA, INVESCO WLR IV Associates 

LLC, New York, NY, WLR Recovery Associates 

IV LLC, New York, NY, WL Ross Group L.P. 

New York, and EL Vedado LLC, New York, NY, 

to purchase 10 percent or more of Sun Bancorp, 

Inc., Vineland, NJ.

WLR SBI AcquisitionCo, LLC

* 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 July 17, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Cincinnati, OH 07/17/2010

to establish a branch at Miles Avenue and East 

131st Street, Cleveland, OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Cincinnati, OH 07/17/2010

to establish a branch at 4710 Park Street North, 

St. Petersburg, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Cincinnati, OH 07/17/2010

to establish a branch at 13361 49th Street North, 

Clearwater, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Cincinnati, OH 07/17/2010

to establish a branch at 115 East Sibley Street, 

Hammond, IN.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Cincinnati, OH 07/17/2010

to establish a branch at 38505 26 Mile Road, 

Lenox, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Cincinnati, OH 07/17/2010

to establish a branch at 702 North Green Bay 

Road, Waukegan, IL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Cincinnati, OH 07/17/2010

to establish a branch at 745 Chastain Road, 

Kennesaw, GA.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Cincinnati, OH 07/17/2010

to establish a branch at 1012 Loughborough 

Avenue, St. Louis, MO.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Cincinnati, OH 07/17/2010

to establish a branch at 2555 Piedmont Plaza, 

D-101, Atlanta, GA.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Cincinnati, OH 07/17/2010

to establish a branch at 2736 Ashley Road, 

Charlotte, NC.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Cincinnati, OH 07/17/2010

to establish a branch at 9245 Atlantic 

Boulevard, Jacksonville, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Cincinnati, OH 07/17/2010

to establish a branch at 2394 South Orange 

Avenue, Orlando, FL.

FIFTH THIRD BANK

* 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 July 17, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 07/30/2010

07/30/2010

First American Financial Management 

Company, Salisbury, North Carolina, to become 

a bank holding company through the 

acquisition of 51% of the voting securities of 

Community Bank of Rowan, Salisbury, North 

Carolina.

FIRST AMERICAN FINANCIAL 

MANAGEMENT COMPANY

Newspaper:

Federal Register:

CIC 07/16/2010

07/20/2010

Patriot Financial Partners, GP, L.P., Patriot 

Financial Partners, L.P., Patriot Financial 

Partners Parallel, L.P., Patriot Financial Partners, 

GP, LLC, Patriot Financial Managers, L.P., and 

Messrs. Ira M. Lubert, W. Kirk Wycoff and 

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 19.2 percent of 

Palmetto Bancshares, Inc., Greenville, SC.

PALMETTO BANCSHARES, 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 July 17, 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 Mark Van 

Smith, Savannah, Georgia, to acquire up to an 

additional 7.2 percent of the outstanding shares 

of First Citizens Bankshares, and its subsidiary, 

First Citizens Bank, both of Glennville, Georgia. 

Total pro forma ownership will not exceed 20.6 

percent.

FIRST CITIZENS BANKSHARES, 

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 July 17, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

C-B-G, Inc., West Liberty, Iowa, to acquire an 

additional $5 million (only $200,000 from C-B-G, 

Inc. and the remaining from executive officers, 

directors, and shareholders which are 

considered to be acting in concert) of common 

stock, or up to 50.01 percent, in Washington 

Bancorp, Washington, Iowa, and thereby 

increase it's indirect interest in Washington 

Bancorp's subsidiary, Federation Bank, 

Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Chemical Bank, Midland, Michigan, to acquire 

certain assets and assume certain liabilities of 

Mainstreet Savings Bank, FSB, Hastings, 

Michigan, and thereby to establish two 

branches located at 629 West State Street, 

Hastings, Michigan, and 802 Fourth Avenue, 

Lake Odessa, Michigan.

CHEMICAL BANK

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Harbor Bancorp, Inc., Edenton, North Carolina, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

West Town Savings Bank, Cicero, Illinois.

HARBOR BANCORP, INC.

* 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

 139843 FIRST FARMERS B&T, CONVERSE, INDIANA 02/22/2010 06/24/2010 S Int Sm Bank

 624246 FORT MADISON B&TC, FORT MADISON, IOWA 12/07/2009 06/10/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending July 17, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 July 17, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A1

07/23/2010

07/22/2010

First Holding Company of Park River, Inc., Park 

River, North Dakota, to acquire 100% of First 

Sharon Holding Company, Inc., Aneta, North 

Dakota, and thereby indirectly acquire First 

State Bank of Sharon, Sharon, North Dakota, 

and Sheyenne Bancorp, Inc., Park River, North 

Dakota, to become a bank holding company by 

acquiring 100 percent of First Sharon Holding 

Company, Inc., Aneta, North Dakota, and 

thereby indirectly acquire First State Bank of 

Sharon, Sharon, North Dakota.

FIRST HOLDING COMPANY OF 

PARK RIVER, INC

Newspaper:

Federal Register:

CIC 07/23/2010

07/16/2010

Change in Control Notice by Margaret Morton, 

Eden Prairie, Minnesota, to acquire and retain 

control of Vision Bancshares, Inc., Saint Louis 

Park, Minnesota, and thereby indirectly acquire 

and retain control of Vision Bank, Saint Louis 

Park, Minnesota.

VISION 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

 2265335 COMMUNITY BK MISSOULA, MISSOULA, MONTANA 03/29/2010 07/12/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending July 17, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

08/04/2010

Bank of Choice Holding Company, Greeley, 

Colorado, proposes to engage in lending 

activities.

BANK OF CHOICE HOLDING 

COMPANY

Newspaper:

Federal Register:

4c8 Not applicable

08/12/2010

Carroll County Bancshares, Inc, Carrollton, 

Missouri, to acquire 20 percent of Adams Dairy 

Bank, Blue Springs, Missouri, and thereby 

engage in the operation of a savings 

association.

CARROLL COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

FirstBank of Colorado, Lakewood, Colorado, to 08/09/2010

merge with FirstBank of Wheat Ridge, Wheat 

Ridge; FirstBank of Douglas County, Castle 

Rock; FirstBank of Arvada, Arvada; FirstBank 

of Avon, Avon; FirstBank of Aurora, Aurora; 

FirstBank of Littleton, Littleton; FirstBank 

North, Westminster; FirstBank of Denver, 

Denver; FirstBank of Northern Colorado, Fort 

Collins; FirstBank of Evergreen, Evergreen; 

FirstBank of Adams County, Thornton; 

FirstBank of Vail, Vail; FirstBank of Boulder, 

Boulder; FirstBank of South Jeffco, Littleton; 

FirstBank of Lakewood, Lakewood; FirstBank of 

Tech Center, Greenwood Village; FirstBank of 

Summit County, Silverthorne; FirstBank, 

Littleton; FirstBank of Cherry Creek, Denver; 

FirstBank of Arapahoe County, Centennial; 

FirstBank of Colorado Springs, Colorado 

Springs; FirstBank of Parker, Parker; FirstBank 

of El Paso County, Colorado Springs; FirstBank 

of Longmont, Longmont; all in Colorado, and 

incident thereto, to establish 125 branches in 

Colorado and California.

FIRSTBANK OF COLORADO

* 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

 18854 BANK 7, OKLAHOMA CITY, OKLAHOMA 03/29/2010 06/29/2010 S Small Bank

 625654 COUNTRY CLUB BK, KANSAS CITY, MISSOURI 03/29/2010 07/08/2010 O Int Sm Bank

 479370 HIGH CNTRY BK, SALIDA, COLORADO 04/12/2010 07/07/2010 S Small Bank

 391557 LAKESIDE BK OF SALINA, SALINA, OKLAHOMA 04/12/2010 07/07/2010 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 July 17, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/06/2010

07/09/2010

Notice by Richard Earl Williams, Jr., Cameron, 

Texas, individually and as Trustee of the 

Richard E. Williams Exempt Trust; Debora 

Evans, Belton, Texas, individually and as 

Trustee of the Debora Evans Exempt Trust; 

Richard Earl Williams, Jr. and Debora Evans as 

co-Trustees of (i) the Williams Family Exempt 

Trust, (ii) the Victoria Grace Williams Special 

Trust, (iii) the Thomas Joseph Evans 2002 Trust 

and (iv) the Elizabeth Ashton Williams 2002 

Trust, all of Cameron, Texas; and Richard E. 

Williams, Jr., Debora Evans and the above 

named trusts, collectively ("the "Williams 

Family Group"), to apply to the Federal Reserve 

Board for permission to retain 10% or more of 

the shares, and thereby control of Cameron 

Financial Corporation and indirectly control its 

subsidiary, Classic Bank, N.A., both of 

Cameron, Texas.

CAMERON FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas, to establish a 07/17/2010

branch to be located at 7820 Burnet Road, 

Austin, Travis County, Texas 78757.

COMERICA BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas to establish a 

mobile branch to stop 23500 Cristo Rey Drive, 

Cupertino, Santa Clara County, California 95014.

COMERICA BANK

Newspaper:

Federal Register:

* 3A3 Not available

08/06/2010

Industry Bancshares, Inc., Industry Texas, to 

acquire 100 percent of The First National Bank 

of Shiner, Shiner, Texas.

INDUSTRY 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

 637451 PLAINSCAPITAL BK, LUBBOCK, TEXAS 11/03/2008 07/06/2010 NI Large Bank

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 July 17, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 07/26/2010

08/05/2010

AltaPacific Bancorp to become a bank holding 

company by acquiring 100 percent of 

AltaPacific Bank, both of Santa Rosa, California.

ALTAPACIFIC BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

04/15/2010

Anchor Bancorp, Inc., Lacey, Washington, to 

become a bank holding company by acquiring 

100 percent of Anchor Mutual Savings Bank, 

Aberdeen, Washington, upon conversion from 

a mutual savings bank to a stock savings bank.

ANCHOR BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

07/19/2010

Community Bancshares, Inc., Joseph, Oregon, 

to acquire at least 100 percent of BEO Bancorp 

and thereby its subsidiary bank, Bank of 

Eastern Oregon, both of Heppner, Oregon.

COMMUNITY BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Franklin Resources, Inc., San Mateo, California, 

to acquire North American Financial Holdings, 

Inc., Charlotte, North Carolina, and indirectly, 

NAFH National Bank, Miami, Florida.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

CIC 07/20/2010

07/21/2010

Interagency Notice of Change in Control by 

Yvonne LeMaitre, Woodland, California, for 

retroactive approval to become a Co-Trustee of 

the 1996 Bolton Family Trust, and thereby 

control of Merchants Holding Company, and its 

subsidiary bank, Merchants National Bank of 

Sacramento, both of Sacramento, California.

MERCHANTS HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC 07/28/2010

07/22/2010

John Kim Chuy Ng, San Juan, Philiippines, to 

acquire 27.78 percent of Oceanic Holding (BVI) 

Limited, Tortola, British Virgin Islands, and 

thereby indirectly acquire control of Oceanic 

Bank Holdings, Inc., and Oceanic Bank, both of 

San Francisco, California.

OCEANIC HOLDING (BVI) 

LIMITED

Newspaper:

Federal Register:

* 3A1 Not available

04/08/2010

One Main Street, LLC, and One Main Street 

Management, LLC, both of New York, New 

York, to become bank holding companies by 

acquiring 100 percent of Liberty Bank, Inc., Salt 

Lake City, Utah.

ONE MAIN STREET, LLC

Newspaper:

Federal Register:

* 3A1 Not available

04/27/2010

SKBHC Holdings, LLC, Corona del Mar, 

California, to become a bank holding company 

by acquiring 100 percent of Starbuck 

Bancshares, Inc. and thereby indirectly the First 

National Bank of Starbuck, both of Starbuck, 

Minnesota.

SKBHC HOLDINGS, LLC

* 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