Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 47 

Week Ending November 21, 2009

Board of Governors of the Federal Reserve System, Washington, DC 20551
Monetary and Financial Policy

Term Auction Facility -- TAF auction in the amount of $75 billion in 28-day credit 

on November 16, 2009.

- Announced, November 16, 2009

Enforcement

Campello Bancorp, Brockton, Massachusetts -- written agreement with the Federal 

Reserve Bank of Boston.

- Announced, November 17, 2009

Flagler Bank, West Palm Beach, Florida -- written agreement with the Federal 

Reserve Bank of Atlanta and the State of Florida, Office of Financial Regulation.

- Announced, November 19, 2009

FMB Bancshares, Inc., Lakeland, Georgia -- written agreement with the Federal 

Reserve Bank of Atlanta and the Banking Commissioner of the State of Georgia.

- Announced, November 18, 2009

Horizon Bank, Bradenton, Florida -- written agreement with the Federal Reserve 

Bank of Atlanta and the State of Florida, Office of Financial Regulation.

- Announced, November 17, 2009

Middle Georgia Corporation, Ellaville, Georgia -- written agreement with the Federal 

Reserve Bank of Atlanta and the Banking Commissioner of the State of Georgia.

- Announced, November 18, 2009

H.2 Board Actions November 15, 2009 to November 21, 2009

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

November 15, 2009 to November 21, 2009

Bank Branches, Domestic

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 1720 South University 

Avenue, Little Rock.

St. Louis

- Approved, November 16, 2009

The Bank of Fayette County, Moscow, Tennessee -- to establish a branch at 

574 Mulberry Avenue, Selmer.

St. Louis

- Approved, November 17, 2009

Flora Bank & Trust, Flora, Illinois -- to establish a branch at 330 North Route 45, 

Louisville.

St. Louis

- Approved, November 17, 2009

Bank Holding Companies

Anchor Bancorp, Inc., Lacey, Washington -- to become a bank holding company and 

to acquire Anchor Mutual Savings Bank, Aberdeen, on its conversion from a mutual 

savings bank to a stock savings bank.

San Francisco

- Withdrawn, November 19, 2009

BancFirst Corporation, Oklahoma City, Oklahoma -- to acquire First Jones 

Bancorporation, Inc., Jones, and thereby acquire First State Bank.

Kansas City

- Approved, November 20, 2009

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

Community Bank Investors of America, LP, Richmond, Virginia, and FA Capital, 

LLC -- to acquire additional shares of Commonwealth Bankshares, Inc., Norfolk.

Richmond

- Approved, November 16, 2009

KeySource Financial, Inc., Durham, North Carolina -- to become a bank holding 

company and to acquire KeySource Commercial Bank, Durham.

Richmond

- Approved, November 18, 2009

Bank Mergers

Centennial Bank, Conway, Arkansas -- to purchase the assets and assume the deposit 

liabilities of Orion Bank, Naples, Florida, and thereby establish branches.

St. Louis

- Withdrawn, November 17, 2009

Centennial Bank, Conway, Arkansas -- to purchase the assets and assume the deposit 

liabilities of Century Bank, FSB, Sarasota, Florida, and thereby establish branches.

St. Louis

- Withdrawn, November 17, 2009

The Farmers Bank of Appomattox, Appomattox, Virginia -- to acquire certain assets 

and assume certain liabilities of the Farmville branch of StellarOne Bank, 

Christiansburg, and thereby establish a branch.

Richmond

- Approved, November 19, 2009

H.2 Actions under delegated authority November 15, 2009 to November 21, 2009

(A/C) = Addition or Correction Delegated - 2 of 4
Banks, State Member

The F & M Bank and Trust Company, Tulsa, Oklahoma -- relief from certain 

commitments.

Kansas City

- Granted, November 17, 2009

SunTrust Bank, Atlanta, Georgia -- to make certain public welfare investments.

Secretary

- Approved, November 20, 2009

Change in Bank Control

Kelliher Bancshares, Inc., Kelliher, Minnesota -- change in bank control of Kelliher 

and its subsidiary bank, Citizens State Bank of Kelliher, Kelliher.

Minneapolis

- Permitted, November 20, 2009

Extensions of Time

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

Springs, New York -- extension to March 4, 2010, to acquire additional shares of 473 

Broadway Holding Corporation, Saratoga Springs, and of The Adirondack Trust 

Company.

New York

- Granted, November 17, 2009

Conahasset Bancshares, MHC, Cohasset, Massachusetts, and Conahasset Bancshares, 

Inc. -- extension to February 17, 2010, to become a mutual bank holding company 

and a stock bank holding company, respectively, and to acquire Pilgrim Bank, 

Cohasset.

Boston

- Granted, November 16, 2009

H.2 Actions under delegated authority November 15, 2009 to November 21, 2009

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

Citibank, N.A., Las Vegas, Nevada, and Citibank Overseas Investment Corporation, 

New Castle, Delaware -- waiver of remainder of notification period to make an 

additional investment in Citibank (Hong Kong) Limited, Quarry Bay, Hong Kong.

Director, BS&R

- Granted, November 18, 2009

Citibank, N.A., Las Vegas, Nevada, and Citibank Overseas Investment Corporation, 

New Castle, Delaware -- waiver of remainder of notification period to make an 

additional investment in Citibank Belgium S.A./N.V., Brussels, Belgium.

Director, BS&R

- Granted, November 18, 2009

Membership

Citizens National Bank, Wisner, Nebraska -- to retain membership in the Federal 

Reserve System on conversion from a national to a state charter.

Kansas City

- Approved, November 16, 2009

H.2 Actions under delegated authority November 15, 2009 to November 21, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending November 21, 2009

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 First Quarter of 2010 (January 1, 2010 - March 31, 2010)

Institution Location

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

Federal Reserve Bank of New York

Filings received during the week ending November 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Cooperatieve Centrale 

Raiffeisen-Boerenleenbank B.A. ("Rabobank 

Nederland"), Utrecht, The Netherlands, 

requests Board approval to establish an agency 

in St. Louis, Missouri pursuant Section 

211.24(a)(1)(i)(A) of Regulation K.

COOPERATIEVE CENTRALE 

RAIFFEISEN-BOERENLEENBAN

K B.A., "RABOBANK 

NEDERLAND"

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Standard Chartered International (USA) Ltd., 

New York, New York, to make an investment in 

Gettysburg Investments L.P., a limited 

partnership to be organized under the laws of 

the Cayman Islands, pursuant to Section 

211.9(f) of Regulation K.

STANDARD CHARTERED 

INTERNATIONAL (USA) LTD.

* 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 First Quarter of 2010 (January 1, 2010 - March 31, 2010)

Institution Location

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending November 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Landmark Community Bank, Luzerne, PA 11/25/2009

proposes to establish a branch office located at 

383 South Poplar Street, Hazleton, PA, pursuant 

to Section 9 of the FRA.

LANDMARK COMMUNITY 

BANK

Newspaper:

Federal Register:

CIC Not available

10/27/2009

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 14.9 percent of 

Heritage Oakes Bancorp, parent of Heritage 

Bank, both in Paso Robles, CA.

PATRIOT FINANCIAL 

PARTNERS

Newspaper:

Federal Register:

CIC 12/05/2009

12/04/2009

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

Financial Partners, L.P., Patriot Financial 

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

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

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

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 19.9 percent of 

Square 1 Financial, Inc., Durham, NC.

PATRIOT FINANCIAL 

PARTNERS LP

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for First Quarter of 2010 (January 1, 2010 - March 31, 2010)

Institution Location

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

Federal Reserve Bank of Cleveland

Filings received during the week ending November 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Key Equipment Finance International, Superior, 

Colorado, to make portfolio investments 

aggregating $119.7 million in 10 existing 

subsidiaries and $2.4 million to establish Key 

Equipment Finance Denmark A/S, Taastrup, 

Denmark. All investments are to be made 

pursuant to Section 211.9(f) of Regulation K

KEY EQUIPMENT FINANCE 

INTERNATIONAL INC.

Newspaper:

Federal Register:

* 3A1 12/02/2009

12/17/2009

Rbancshares, Inc., Westerville, Ohio to become 

a bank holding company by acquiring 80.10% of 

the outstanding voting shares of Ohio State 

Bancshares, Inc., Marion, Ohio and thereby 

indirectly acquire Ohio State Bank, Marion, 

Ohio pursuant to section 3(a)(1) of the Bank 

Holding Company Act

RBancshares, 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

NONE

CRA Examinations scheduled for First Quarter of 2010 (January 1, 2010 - March 31, 2010)

Institution Location

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

Federal Reserve Bank of Richmond

Filings received during the week ending November 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

John Marshall Bank, Falls Church, Virginia, to 

establish a branch at 4315 50th Street, NW, 

Washington, D.C.

JOHN MARSHALL BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Middleburg Bank, Middleburg, Virginia, 11/23/2009

proposes to establish a branch at 5372 

Discovery Park Boulevard, Suite 101, 

Williamsburg, Virginia.

MIDDLEBURG BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Monarch Bank, Chesapeake, Virginia, to 

establish a branch at 1635 Laskin Road, Virginia 

Beach, Virginia.

MONARCH BANK

* 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 First Quarter of 2010 (January 1, 2010 - March 31, 2010)

Institution Location

BANK OF GASSAWAY GASSAWAY, WEST VIRGINIA

CENTRAL VA BK POWHATAN, VIRGINIA

COMMUNITY BKR BK MIDLOTHIAN, VIRGINIA

FAUQUIER BK WARRENTON, VIRGINIA

FIRST BK STRASBURG, VIRGINIA

FIRST PEOPLES BK INC MULLENS, WEST VIRGINIA

HIGHLANDS UNION BK ABINGDON, VIRGINIA

STELLARONE BK CHRISTIANSBURG, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending November 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

AuburnBank, Auburn, Alabama, to establish a 12/02/2009

branch located at 132 Fob James Drive, Valley, 

Alabama, to be known as the Valley Branch of 

AuburnBank.

AUBURNBANK

Newspaper:

Federal Register:

* Branch

Not applicable

Compass Bank, Birmingham, Alabama, to 11/25/2009

establish the following branches: near the 

intersection of South Gilbert Road and East 

Riggs Road, Phoenix, Arizona, to be known as 

the Gilbert and Riggs Branch; and near the 

intersection of East Baseline Road and South 

Signal Butte Road, Phoenix, Arizona, to be 

known as the Baseline and Signal Butte Branch.

COMPASS BANK

Newspaper:

Federal Register:

CIC 12/03/2009

12/04/2009

Prior change in control notice filed by Serguei 

Kouzmine, Atlanta, Georgia, to acquire 24.3 

percent of the outstanding shares of UCB 

Financial Group, Inc., and its subsidiary, Atlanta 

Business Bank, both of Atlanta, Georgia. Pro 

forma total ownership will equal 31.2 percent.

UCB FINANCIAL GROUP, 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 First Quarter of 2010 (January 1, 2010 - March 31, 2010)

Institution Location

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

Federal Reserve Bank of Chicago

Filings received during the week ending November 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 12/18/2009

Diamond Bancorp, Inc., Chicago, Illinois, to 

become a bank holding company by acquiring 

100 percent of the voting shares of DG Bancorp, 

Inc., Downers Grove, Illinois, and thereby 

indirectly acquire Downers Grove Natonal Bank, 

Downers Grove, Illinois, and, upon becoming a 

bank holding company, to continue to control 

100 percent of the voting shares of Diamond 

Bank FSB, Schaumburg, Illinois, and thereby 

operate a savings association.

DIAMOND BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 12/10/2009

12/04/2009

EB Financial Group, Inc., Hinsdale, Illinois, 

become a bank holding company by acquiring 

100 percent of the voting shares of Baytree 

National Bank & Trust Company, Lake Forest, 

Illinois.

EB FINANCIAL GROUP, INC.

Newspaper:

Federal Register:

CIC 12/04/2009

12/02/2009

Notice by White Bay Capital LLLP, Grand 

Rapids, Michigan, the Stephen A. Van Andel 

2009 WBC Trust, Grand Rapids, Michigan, as a 

general partner, and Stephen A. Van Andel, 

Grand Rapids, Michigan, as trustee, to acquire 

33.9 percent of the voting shares of Macatawa 

Bank Corporation, Holland, Michigan, and 

thereby indirectly acquire Macatawa Bank, 

Holland, Michigan.

MACATAWA BANK 

CORPORATION

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Reg K - The Shorebank Corporation, Chicago, 

Illinois, to invest up to $1 million in ShoreCap II 

Limited, a fund established as a limited life, 

limited liability company under the laws of the 

Republic of Mauritius.

SHOREBANK CORPORATION, 

THE

* 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 First Quarter of 2010 (January 1, 2010 - March 31, 2010)

Institution Location

BANK IA RED OAK, IOWA

CAMP GROVE ST BK CAMP GROVE, ILLINOIS

CENTRAL ST BK ELKADER, IOWA

COLE TAYLOR BK CHICAGO, ILLINOIS

COMMUNITY FIRST BK BOSCOBEL, WISCONSIN

CSB BK CAPAC, MICHIGAN

EASTERN MI BK CROSWELL, MICHIGAN

FAIRMOUNT ST BK FAIRMOUNT, INDIANA

FIRST AMER BK FORT DODGE, IOWA

FIRST FARMERS B&T CONVERSE, INDIANA

G W JONES EXCHANGE BK MARCELLUS, MICHIGAN

LA SALLE ST BK LA SALLE, ILLINOIS

MIDWEST B&TC ELMWOOD PARK, ILLINOIS

MIDWEST BK WESTERN IL MONMOUTH, ILLINOIS

SECURITY T&SB STORM LAKE, IOWA

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

Federal Reserve Bank of St. Louis

Filings received during the week ending November 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 11/27/2009

establish a branch facility to be located at 811 

W. Ruth Street, Sallisaw, Oklahoma.

ARVEST BANK

Newspaper:

Federal Register:

* 3A3 12/13/2009

12/18/2009

First Waterloo Bancshares, Inc., Waterloo, 

Illinois, to acquire 100 percent of Red Bud 

Bancorp, Inc., Red Bud, Illinois, and thereby 

indirectly acquire First State Bank of Red Bud, 

Red Bud, Illinois.

FIRST WATERLOO 

BANCSHARES, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 185859 LINDELL B&TC, SAINT LOUIS, MISSOURI 06/29/2009 10/22/2009 S Int Sm Bank

 1213777 TRUMAN BK, SAINT LOUIS, MISSOURI 08/03/2009 11/12/2009 S Int Sm Bank

CRA Examinations scheduled for First Quarter of 2010 (January 1, 2010 - March 31, 2010)

Institution Location

BANK OF LA LOUISIANA, MISSOURI

CALLAWAY BK FULTON, MISSOURI

CITIZENS B&TC VAN BUREN, ARKANSAS

CITIZENS BK BATESVILLE, ARKANSAS

FARMERS BK & CAPITAL TC FRANKFORT, KENTUCKY

FIRST FINANCIAL BK EL DORADO, ARKANSAS

FIRST ST BK SAINT PETER, ILLINOIS

FIRST ST BK OF DEQUEEN DEQUEEN, ARKANSAS

HEBER SPRINGS ST BK HEBER SPRINGS, ARKANSAS

OLD MISSOURI BK SPRINGFIELD, MISSOURI

PEOPLES B&TC TROY, MISSOURI

SECURITY BK NEWBERN, TENNESSEE

TEUTOPOLIS ST BK TEUTOPOLIS, ILLINOIS

TOWN & COUNTRY BK SALEM, MISSOURI

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending November 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/13/2009

11/17/2009

Notice by Mary Jean Jensen, Lemmon, South 

Dakota, to retain and acquire shares of Faith 

Bank Holding Company, Faith, South Dakota, 

and thus to join a group acting in concert, 

consisting of Carveth and Margaret Thompson, 

Lead, South Dakota; Gary and Nancy Vance, 

Faith, South Dakota; Eldon Jensen, Lemmon, 

South Dakota; and Morris Gustafson, Faith, 

South Dakota, which controls 25 percent or 

more of Faith Bank Holding Company. Faith 

Bank Holding Company controls Farmers State 

Bank, Faith, South Dakota.

FAITH BANK HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC Not available

12/08/2009

Notice by Cullen Thompson, Houston, Texas, 

and Betsy Lehman, Fort Morgan, Colorado, to 

acquire shares of Faith Bank Holding Company, 

Faith, South Dakota, and thus to join a group 

acting in concert, consisting of Carveth and 

Margaret Thompson, Lead, South Dakota; Gary 

and Nancy Vance, Faith, South Dakota; Eldon 

Jensen, Lemmon, South Dakota; and Morris 

Gustafson, Faith, South Dakota, which controls 

25 percent or more of Faith Bank Holding 

Company. Faith Bank Holding Company 

controls Farmers State Bank, Faith, South 

Dakota.

FAITH BANK HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC Not available

11/27/2009

Notice by Gary R. Howell, Malta, Montana, to 

acquire 10 percent or more of the shares of Milk 

River Banquo, Inc., Malta, Montana, and 

thereby indirectly gain control of Malta Banquo, 

Inc., which controls First Security Bank of 

Malta, Malta, Montana, and Valley Bank of 

Glasgow, Glasgow, Montana.

MILK RIVER BANQUO, 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 First Quarter of 2010 (January 1, 2010 - March 31, 2010)

Institution Location

AMERICAN BK SAINT PAUL, MINNESOTA

CITIZENS ST BK OF CHOTEAU CHOTEAU, MONTANA

CLINTON ST BK CLINTON, MINNESOTA

COMMUNITY BK MISSOULA MISSOULA, MONTANA

FARMERS ST BK VICTOR, MONTANA

FARMERS ST BK FAITH, SOUTH DAKOTA

FIRST CMNTY BK GLASGOW, MONTANA

FLINT CREEK VALLEY BK PHILIPSBURG, MONTANA

NORTH SHORE BK OF COMMERCE DULUTH, MINNESOTA

PEOPLES BK WI HAYWARD, WISCONSIN

STATE BK OF EWEN EWEN, MICHIGAN

WESTERN BK OF WOLF POINT WOLF POINT, MONTANA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending November 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 12/19/2009

12/17/2009

Community Bank Partners, Inc., Denver, 

Colorado, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of The Palisades National Bank, 

Palisade, Colorado.

COMMUNITY BANK 

PARTNERS, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by John Titus, Suzanne Titus, Paula 

Titus (individually and as trustee of the L.G. 

Titus Family Trust and the L.G. Titus Marital 

Trust), Eric Titus, Louis (Ted) Titus, all of 

Holdrege, Nebraska; and Ann Titus Nelson, 

Lonsdale, Minnesota; to acquire control of First 

Holdrege Bancshares, Inc., parent of The First 

National Bank of Holdrege, both of Holdrege, 

Nebraska, through the acquisition of voting 

shares.

FIRST HOLDREGE 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

12/04/2009

Notice by the Estate of Catherine G. Eisemann, 

Trinidad, Colorado and Roger Dean Eisemann, 

Houston, Texas, individually, as a member of 

the Eisemann Family and as Co-Executor of the 

Estate of Catherine G. Eisemann, to retain 

control of Republic Trinidad Corporation, 

Houston, Texas, parent of First National Bank in 

Trinidad, Trinidad, Colorado.

REPUBLIC TRINIDAD 

CORPORATION

Newspaper:

Federal Register:

CIC 10/20/2009

11/09/2009

Notice by Philip Eugene Jossi, and Marian 

Joanne Hardin, both of Kearney, Nebraska; 

James Andrew Bodyfield, Ericson, Nebraska; 

and Keith Weldon Carlson, Lincoln, Nebraska; 

to acquire control of Riverdale Bancshares, Inc., 

parent of State Bank of Riverdale, both in 

Riverdale, Nebraska, through the acquisition of 

voting shares.

RIVERDALE BANCSHARES, INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Stanton National Bank (to be known as Stanton 

Bank), Stanton, Nebraska, to retain its 

membership in the Federal Reserve System 

following its conversion from a national to a 

state charter.

STANTON NATIONAL BANK

* 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 First Quarter of 2010 (January 1, 2010 - March 31, 2010)

Institution Location

BANK OF ELGIN ELGIN, NEBRASKA

BANK OF LOCUST GROVE LOCUST GROVE, OKLAHOMA

CHETOPA ST B&TC CHETOPA, KANSAS

CITIZENS ST B&TC ELLSWORTH, KANSAS

COLLEGIATE PEAKS BK BUENA VISTA, COLORADO

COLORADO MOUNTAIN BK WESTCLIFFE, COLORADO

COUNTRY CLUB BK KANSAS CITY, MISSOURI

F&M B&TC TULSA, OKLAHOMA

FIDELITY ST B&TC DODGE CITY, KANSAS

FIRST B&TC BROKEN BOW, OKLAHOMA

FIRST NEODESHA BK NEODESHA, KANSAS

FIRST ST BK OF NEWCASTLE NEWCASTLE, WYOMING

HOME ST BK ERIE, KANSAS

SECURITY BK TULSA, OKLAHOMA

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

Federal Reserve Bank of Dallas

Filings received during the week ending November 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas, to establish a 12/05/2009

branch at 1212 S. Pacific Coast Hwy., Redondo 

Beach, California 90277.

COMERICA BANK

Newspaper:

Federal Register:

* 3A5 Not available

12/14/2009

Community Trust Financial Corporation, 

Ruston, Louisiana, to acquire by merger 

Madison Financial Corporation, Madison, 

Mississippi, and indirectly acquire Madison 

County Bank, Madison, Mississippi.

COMMUNITY TRUST 

FINANCIAL CORPORATION

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Heritage Bank, Pearland, Texas, to become a 

member of the Federal Reserve System.

HERITAGE BANK, NATIONAL 

ASSOCIATION

* 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 First Quarter of 2010 (January 1, 2010 - March 31, 2010)

Institution Location

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

Federal Reserve Bank of San Francisco

Filings received during the week ending November 21, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

12/08/2009

BOTC Holdings LLC, Lightyear Fund II, L.P., 

Lightyear Co-Invest Partnership II, L.P., 

Lightyear Fund II GP, L.P., Lightyear Fund II GP 

Holdings, LLC, Marron & Associates, LLC, 

Chestnut Venture Holdings, LLC, Donald B. 

Marron, Lightyear Capital LLC and Lightyear 

Capital II, LLC, all of New York, New York, to 

acquire up to 24.9% of the voting shares of 

Cascade Bancorp, and thereby indirectly 

acquire The Bank of the Cascades, both of 

Bend, Oregon.

CASCADE BANCORP

Newspaper:

Federal Register:

CIC 12/11/2009

12/02/2009

Kenneth G. Walker Grantor Trust 2009 to 

indirectly acquire membership interest of 

Palomar Enterprises, LLC, and thereby indirectly 

acquire membership interest of Farmers & 

Merchants Bank, all of Long Beach, California.

KENNETH G. WALKER 

GRANTOR TRUST 2009

Newspaper:

Federal Register:

CIC

Not available

Notice by Rommel R. Medina and Ruell R. 08/07/2009

Medina, both of San Bruno, California, to 

acquire additional voting shares of MNB 

Holdings Corporation, and indirectly, voting 

shares of Mission National Bank, both of San 

Francisco, California.

MNB HOLDINGS CORPORATION

* 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 First Quarter of 2010 (January 1, 2010 - March 31, 2010)

Institution Location

BANK OF THE ORIENT SAN FRANCISCO, CALIFORNIA

MARLIN BUS BK SALT LAKE CITY, UTAH

MISSION CMNTY BK SAN LUIS OBISPO, CALIFORNIA

OREGON PAC BKG CO DBA OR PAC FLORENCE, OREGON

PACIFIC PREMIER BK COSTA MESA, CALIFORNIA

SANTA LUCIA BK ATASCADERO, CALIFORNIA

SILICON VALLEY BK SANTA CLARA, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act