Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 35 

Week Ending September 1, 2012

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Holding Companies

Old National Bancorp, Evansville, Indiana -- to acquire Indiana Community 

Bancorp, Columbus, and thereby acquire Indiana Bank and Trust Company 

(FRB Order No. 2012-9).

- Approved, August 30, 2012

Forms

Forms -- initial Board review to implement the Retail Payments Surveys: Depository 

and Financial Institution Payments Survey (FR 3066a); Network, Processor, and 

Issuer Payments Surveys (FR 3066b); Check Sample Survey (FR 3066c); and Retail 

Payments Survey Supplement (FR 3066d).

- Proposed, August 28, 2012

Forms -- final Board review to extend with revision the Report of Changes in 

Organizational Structure (FR Y-10), Annual Report of Bank Holding Companies 

(FR Y - 6), and Annual Report of Foreign Banking Organizations (FR Y-7), and to 

extend without revision the Supplement to the Report of Changes in Organizational 

Structure (FR Y-10E).

- Approved, August 31, 2012

Regulations and Policies

Stress Testing -- announcement that the Board is considering delaying until 

September 2013 the implementation of company-run stress test requirements under 

the Dodd-Frank Act for bank holding companies, state member banks, and savings 

and loan holding companies with between $10 billion and $50 billion in total 

consolidated assets.

- Announced, August 27, 2012

H.2 Board Actions August 26, 2012 to September 1, 2012

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

MNB Holdings Corporation, San Francisco, California -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, August 30, 2012

H.2 Board Actions August 26, 2012 to September 1, 2012

(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 Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

August 26, 2012 to September 1, 2012

MA Monetary Affairs

Bank Branches, Domestic

CFG Community Bank, Lutherville, Maryland -- to establish a branch at 

1615 Thames Street, Baltimore.

Richmond

- Approved, August 31, 2012

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

the corner of Iron Bridge Road and Oliver's Way, Chesterfield.

Richmond

- Withdrawn, August 27, 2012

St. Charles Bank & Trust Company, Saint Charles, Illinois -- to establish a branch at 

514 West State Street, Geneva.

Chicago

- Approved, August 30, 2012

Bank Holding Companies

American Heartland Bancshares, Inc., Sugar Grove, Illinois -- to engage de novo in 

lending through a new subsidiary, American Heartland Holdings, LLC, Sugar Grove.

Chicago

- Withdrawn, August 30, 2012

Capital Bank Financial Corp., Coral Gables, Florida -- to merge with Southern 

Community Financial Corporation, Winston-Salem, North Carolina, and thereby 

acquire Southern Community Bank & Trust Company.

Atlanta

- Approved, August 30, 2012

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Holding Companies

Independent Bank Group, Inc., McKinney, Texas -- to acquire by merger Community 

Group, Inc., Highland Village, and thereby acquire United Community Bank, 

National Association.

Dallas

- Approved, August 31, 2012

Liberty Bancshares, Inc., Springfield, Missouri -- waiver of application to acquire 

Stone County National Bancshares, Inc., Crane, in connection with the merger of 

their respective subsidiary banks, Liberty Bank, Springfield, and Stone County 

National Bank, Crane.

St. Louis

- Granted, August 31, 2012

Lone Star Capital Bank, National Association, San Antonio, Texas -- waiver of 

application to acquire Cattleman's National Bank, Johnson City, in connection with 

the merger of Cattleman's with and into Lone Star.

Dallas

- Granted, August 29, 2012

Park Sterling Corporation, Charlotte, North Carolina -- to acquire Citizens South 

Banking Corporation, Gastonia, and thereby acquire Citizens South Bank, a federal 

savings bank.

Richmond

- Approved, August 27, 2012

H.2 Actions under delegated authority August 26, 2012 to September 1, 2012

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Holding Companies

Pioneer Bank, SSB, Dripping Springs, Texas -- waiver of application to acquire La 

Grange Bancshares, Inc., La Grange, and its subsidiary bank, Colorado Valley Bank, 

in connection with Colorado Valley Bank's merger with and into Pioneer Bank, SSB, 

Dripping Springs.

Dallas

- Granted, August 31, 2012

River Financial Corporation, Prattville, Alabama -- to become a bank holding 

company by acquiring River Bank & Trust, Prattville.

Atlanta

- Approved, August 30, 2012

Bank Mergers

East West Bank, Pasadena, California -- to acquire American Metro Bank, Chicago, 

Illinois, and thereby establish three branches.

San Francisco

- Withdrawn, August 30, 2012

Change in Bank Control

First Chatsworth Bankshares, Inc., Chatsworth, Georgia -- to retain control of First 

Chatsworth and its subsidiary bank, First National Community Bank, Chatsworth.

Atlanta

- Permitted, August 30, 2012

Giant Holdings, Inc., Fort Lauderdale, Florida -- to retain control of Giant and its 

subsidiary bank, Landmark Bank, N.A., Fort Lauderdale.

Atlanta

- Permitted, August 28, 2012

H.2 Actions under delegated authority August 26, 2012 to September 1, 2012

(A/C) = Addition or Correction Delegated - 3 of 5
Change in Bank Control

Mid-Missouri Bancshares, Inc., Springfield, Missouri -- change in bank control of 

Mid-Missouri and its subsidiary bank, Mid-Missouri Bank.

St. Louis

- Withdrawn, August 27, 2012

Northwest Bancorporation, Inc., Spokane, Washington -- to retain control of 

Northwest and its subsidiary bank, Inland Northwest Bank, Spokane.

San Francisco

- Permitted, August 28, 2012

Extensions of Time

American Express Company, New York, New York -- extension of time to meet 

certain regulatory reporting requirements.

Secretary

- Granted, August 27, 2012

Capital One Financial Corporation, McLean, Virginia -- extension of time to meet 

certain regulatory reporting requirements.

Secretary

- Granted, August 27, 2012

KeyCorp, Cleveland, Ohio -- extension of time to meet certain regulatory reporting 

requirements.

Secretary

- Granted, August 27, 2012

H.2 Actions under delegated authority August 26, 2012 to September 1, 2012

(A/C) = Addition or Correction Delegated - 4 of 5
Financial Holding Companies 

S.Y. Bancorp, Inc., Louisville, Kentucky -- election to become a financial holding 

company.

Secretary

- Effective, August 31, 2012

H.2 Actions under delegated authority August 26, 2012 to September 1, 2012

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending September 1, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Application by Bank Rhode Island, Providence, 

Rhode Island, to become a member of the 

Federal Reserve System pursuant to section 9 of 

the Federal Reserve Act and section 208.3 of 

Regulation H.

BANK RHODE ISLAND

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Application by Eastern Bank Corporation, 

Boston, Massachusetts, to acquire Campello 

Bancorp, and its subsidiary bank, The 

Community Bank, A Massachusetts 

Co-operative Bank, both of Brockton, 

Massachusetts , pursuant to sections 3(a)(3) 

and 3(a)(5) of the Bank Holding Company Act 

of 1956, as amended.

EASTERN BANK 

CORPORATION

* 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 September 1, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/17/2012

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire fifty additional shares of 473 

Broadway Holding Corporation and acquire two 

thousand additional shares of The Adirondack 

Trust Company, both of Saratoga Springs, New 

York.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, THE

Newspaper:

Federal Register:

FBSEA

Not applicable

Banco BPI, S.A., Porto, Portugal, to establish 09/21/2012

representative offices in Newark, New Jersey, 

and New Bedford, Massachusetts, pursuant to 

Section 10(a) of the International Banking Act 

of 1978, as amended and Section 211.24(a)(1) of 

Regulation K.

Banco BPI, S.A.

Newspaper:

Federal Register:

FBSEA

Not applicable

NongHyup Bank, Seoul, Korea, to establish a 08/29/2012

branch in New York, New York, pursuant to 

Section 211.24 of Regulation K.

NONGHYUP BANK

Newspaper:

Federal Register:

* 3A3 Not available

08/31/2012

Oriental Financial Group Inc, San Juan, Puerto 

Rico, to acquire 100 percent of BBVAPR 

Holding Corporation, San Juan, Puerto Rico and 

thereby indirectly acquire Banco Bilbao Vizcaya 

Argentaria Puerto Rico, San Juan, Puerto Rico.

ORIENTAL FINANCIAL GROUP 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

09/26/2012

RSB Bancorp, MHC and RSB Bancorp, Inc., 

both of Roselle, New Jersey, to become bank 

holding companies by acquiring 100 percent of 

Roselle Savings Bank, Roselle, New Jersey.

RSB BANCORP, MHC

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Wing Lung Bank Limited, Hong Kong, to 

establish a federal branch in San Francisco, 

California and to upgrade its Los Angeles 

federal limited branch to a full service branch, 

pursuant to Section 7(d) of the International 

Banking Act.

WING LUNG BANK LIMITED

* 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 September 1, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

09/26/2012

First Priority Financial Corp, Malvern, PA, to 

acquire 100% of Affinity Bancorp, Inc., 

Wyomissing, PA.

FIRST PRIORITY FINANCIAL 

CORP.

* 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

 734613 BANK OF LANDISBURG, LANDISBURG, PENNSYLVANIA 03/26/2012 08/16/2012 O Small 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 September 1, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/14/2012

09/17/2012

Interagency Notice of Change in Bank Control 

by Richard M. Wehrle, acting in his 

representative capacity as conservator for 

James A. Brown, to acquire in his representative 

capacity 10 percent or more of the shares and 

thereby control Farmers National Bancorp of 

Cynthiana, Inc., Cynthiana, Kentucky and 

indirectly control both Farmers National Bank of 

Cynthiana, Cynthiana, Kentucky and Deposit 

Bank of Carlisle, Carlisle, Kentucky

FARMERS NATIONAL 

BANCORP OF CYNTHIANA, INC.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 604024 MINSTER BK, MINSTER, OHIO 05/07/2012 08/13/2012 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending September 1, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/22/2012

09/25/2012

CapGen Capital Group IV LLC and CapGen 

Capital Group IV LP, both of New York, New 

York, to increase their investment up to 49.9% 

of the voting securities of Jacksonville Bancorp, 

Inc., Jacksonville, Florida, and indirectly acquire 

The Jacksonville Bank, Jacksonville, Florida.

CAPGEN CAPITAL GROUP IV LP

Newspaper:

Federal Register:

CIC Not available

Not available

Harold Lynn Keene, Lebanon, Virginia, 

individually to control up to 15.95% of the 

outstanding voting shares of New Peoples 

Bankshares, Inc., Honaker, Virginia. 

Additionally, Harold Lynn Keene and Arbutus 

Keene, Lebanon, Virginia, as a group acting in 

concert to control up to 15.96% of the 

outstanding voting shares of New Peoples 

Bankshares, Inc., Honaker, Virginia.

NEW PEOPLES BANKSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Blaine Scott White, Castlewood, Virginina, to 

individually control up to 18.79% of of the 

outstanding voting shares of New Peoples 

Bankshares, Inc., Honaker, Virginia. 

Additionally, Blaine Scott White Trust (trustee, 

Blaine Scott White), Blaine Scott White II, 

Ireevocable Trust (trustee, Blaine Scott White), 

and Brenda D. White, all of Castlewood, 

Virginia, Tiffany White of Evergreen, Colorado, 

James F. White, Jr. and Patricia Jolene White, 

both of Abingdon, Virginia, Bonny W. Gable of 

Bristol, Virginia, along with other family 

members as a group acting in concert to control 

up to 20.20% of the outstanding voting shares 

of New Peoples Bankshares, Inc., HOnaker, 

Virginia

NEW PEOPLES BANKSHARES, 

INC.

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 2787770 BANK OF THE JAMES, LYNCHBURG, VIRGINIA 05/07/2012 08/08/2012 S Int Sm Bank

 1434826 BANKANNAPOLIS, ANNAPOLIS, MARYLAND 05/14/2012 08/15/2012 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 September 1, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 09/17/2012

09/17/2012

Drummond Banking Company, Chiefland, 

Florida, to merge with Williston Holding 

Company, and thereby directly acquire Perkins 

State Bank, both of Williston, Florida.

DRUMMOND BANKING 

COMPANY

Newspaper:

Federal Register:

CIC 09/01/2012

08/28/2012

Prior change in control notice filed by Guice 

Slawson, Jr., Joe Stinson Slawson, and William 

Edgar Slawson, all of Montgomery, Alabama, to 

collectively acquire 91.4 percent of the 

outstanding shares of FEB Bancshares, Inc., 

and its subsidiary, Farmers Exchange Bank, 

both of Louisville, Alabama.

FEB BANCSHARES, INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 3342671 ANCHOR CMRL BK, JUNO BEACH, FLORIDA 05/14/2012 08/29/2012 S Small 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 September 1, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Chemical Bank, Midland, Michigan, to purchase 

the assets and assume the liabilities of 21 

branches of Independent Bank, Ionia, Michigan, 

and thereby establish 21 branches.

CHEMICAL BANK

* 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

 324340 CHOICEONE BK, SPARTA, MICHIGAN 10/04/2010 05/23/2012 S Large Bank

 193649 FIRST T&SB WATSEKA, WATSEKA, ILLINOIS 04/30/2012 08/22/2012 S Small Bank

 874845 LAKE CITY BK, WARSAW, INDIANA 07/25/2011 08/22/2012 S Large 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 September 1, 2012

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 September 1, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/06/2012

American Bancor, Ltd., Dickinson, North 

Dakota, to acquire 100 percent of North Country 

Bank, National Association, McClusky, North 

Dakota.

AMERICAN BANCOR, LTD.

Newspaper:

Federal Register:

* 3A3 Not available

09/07/2012

Frandsen Financial Corporation, Arden Hills, 

Minnesota, to acquire 100% of Clinton State 

Bank, Clinton, Minnesota.

FRANDSEN FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Retroactive change in control notice by Brian 

Darold Petersen, Livingston, Montana, to retain 

25% or more of the shares of Lakeside Bank 

Holding Company, New Town, North Dakota, 

and thereby indirectly retain control of Lakeside 

State Bank, New Town, North Dakota, and 

McKenzie County Bank, Watford City, North 

Dakota.

LAKESIDE BANK HOLDING 

COMPANY

* 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 September 1, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

* 18C

* Branch

09/21/2012

American Bancorporation, Inc., Sapulpa, 

Oklahoma, to acquire Osage Bancshares, Inc., 

parent of Osage Federal Bank, both in 

Pawhuska, Oklahoma, and thereby engage in 

the operation of a savings association. 

American Heritage Bank, Sapulpa, Oklahoma, to 

merge with Osage Federal Bank, Pawhuska, 

Oklahoma, and incident thereto, to establish 

branches in Barnsdale, Bartlesville, and 

Pawhuska, Oklahoma.

AMERICAN 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A3 09/03/2012

09/07/2012

American National Corporation, Omaha, 

Nebraska, to acquire 100 percent of the voting 

shares of Western Bank, St. Paul, Minnesota.

AMERICAN NATIONAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

09/06/2012

Notification by Randal S. Shannon, Drexel, 

Missouri, to acquire control of Bates County 

Bancshares, Inc., parent of Security Bank, both 

in Rich Hill, Missouri.

BATES COUNTY BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

09/18/2012

Notice by Billy D. Cole and Joy Y. Cole, St. 

Joseph, Missouri; Nancy Stonner, Blue Springs, 

Missouri; Norma Cole, Redmond, Washington; 

Mary Benson, New York, New York; and 

Thomas Cole, Liberty, Missouri; as a group 

acting in concert, to acquire control of St. 

Joseph Bancorp, Inc., parent of Midwest 

Federal Savings and Loan Association of St. 

Joseph, both in St. Joseph, Missouri.

ST. JOSEPH BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

09/20/2012

Notice by Timothy C. Kohart, Syracuse, 

Kansas, individually, including as co-trustee of 

the Valley Bancorp, Inc. ESOP, and together 

with his spouse, Marilyn S. Kohart, Syracuse, 

Kansas, acting as a group in concert, to retain 

control of Valley Bancorp, Inc., parent of Valley 

State Bank, both in Syracuse, Kansas.

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

 2371508 PATRIOT BK, BROKEN ARROW, OKLAHOMA 06/04/2012 08/28/2012 S Small Bank

 516855 SECURITY BK, TULSA, OKLAHOMA 05/14/2012 08/17/2012 S Int Sm Bank

 955959 SECURITY ST BK, BASIN, WYOMING 05/14/2012 08/14/2012 S Small Bank

 671053 STOCK EXCH BK, CALDWELL, KANSAS 05/14/2012 08/14/2012 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 September 1, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Rebecca Watson Vizard, St. Joseph Louisiana; 

Michael Rene Vizard, St. Joseph, Louisiana; 

Sarah Scott Vizard, New Orleans, Louisiana; 

Michael Ross Vizard, Nashville, Tennessee; and 

William Wade Watson, St. Joseph, Louisiana, 

(collectively known as the "Vizard Family 

Group") to retain control of 25 percent or more 

of the shares of, and thereby control of, BSJ 

Bancshares, Inc., St. Joseph, Louisiana, and 

indirectly Cross Keys Bank, St. Joseph, 

Louisiana.

BSJ BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Community Trust Bank, Choudrant, Louisiana, 

to establish a branch to be located at 1912 Main 

Street, Madison, Mississippi 39110.

COMMUNITY TRUST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

LegacyTexas Bank, Plano, Texas, to establish a 09/11/2012

branch to be located at 7300 Dallas Parkway, 

Plano, Texas 75024-4013.

LEGACYTEXAS BANK

* 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 September 1, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Green Dot Bank, Provo, Utah, to acquire certain 

assets and assume certain liabilities of Synovus 

Bank, Columbus, Georgia.

GREEN DOT BANK DBA 

BONNEVILLE BANK

Newspaper:

Federal Register:

CIC Not available

09/18/2012

Gapstow Capital Partners, L.P.; CJA Private 

Equity Financial Restructuring Master Fund I, 

L.P.; CJA Private Equity Financial Restructuring 

Fund I, Ltd., and its investors; CJA Private 

Equity Financial Restructuring GP I, Ltd.; 

Christopher J. Acito & Associates GP, LLC; 

Christopher J. Acito; and Jack T. Thompson; all 

of New York, New York; and Timothy S.F. 

Jackson, Newtown, Connecticut; to acquire 

voting shares of Oregon Pacific Bancorp, and 

thereby indirectly acquire voting shares of 

Oregon Pacific Banking Co. DBA Oregon Pacific 

Bank, both of Florence, Oregon.

OREGON PACIFIC BANCORP

Newspaper:

Federal Register:

* 3A5 Not available

4c8 09/21/2012

Western Alliance Bancorporation, Phoenix, 

Arizona, to merge with Western Liberty 

Bancorp, and thereby indirectly acquire its 

subsidiary bank, Service1st Bank of Nevada, 

both of Las Vegas, Nevada; and 2) Western 

Alliance Bancorporation, Phoenix, Arizona, to 

acquire Las Vegas Sunset Properties, Las 

Vegas, Nevada, and thereby engage in 

extending credit and servicing loans, pursuant 

to section 225.28 (b)(1) of Regulation Y.

WESTERN ALLIANCE 

BANCORPORATION

* 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

 3337097 COMMONWEALTH BUS BK, LOS ANGELES, CALIFORNIA 03/26/2012 08/17/2012 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act