Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 45 

Week Ending November 6, 2010

Board of Governors of the Federal Reserve System, Washington, DC 20551
Board Operations

Office of Financial Stability Policy and Research -- establishment of the office and 

appointment of J. Nellie Liang as director and Andreas W. Lehnert as deputy 

director.

- Announced, November 4, 2010

Enforcement

1st Brookfield, Inc., Brookfield, Illinois -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, November 4, 2010

Hometown of Homestead Banking Company, Homestead, Florida -- written 

agreement with the Federal Reserve Bank of Atlanta.

- Announced, November 4, 2010

Northern California Bancorp, Inc., Monterey, California -- written agreement with 

the Federal Reserve Bank of San Francisco.

- Announced, November 2, 2010

H.2 Board Actions October 31, 2010 to November 6, 2010

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSD Office of Staff Director

October 31, 2010 to November 6, 2010

Bank Branches, Domestic

AllNations Bank, Calumet, Oklahoma -- to establish a branch at 2025 South Gordon 

Cooper Boulevard, Shawnee.

Kansas City

- Approved, November 3, 2010

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 11005 Kinsman Road, 

Cleveland.

Cleveland

- Approved, November 4, 2010

FirstBank, Lakewood, Colorado -- to establish a branch at 16326 West Yuma Road, 

Goodyear, Arizona.

Secretary

- Approved, November 3, 2010

Bank Holding Companies

Central Bancshares, Inc., Little Rock, Arkansas -- to become a bank holding 

company and to acquire Central Bank, Little Rock.

St. Louis

- Approved, November 3, 2010

Rudolph Bancshares, Inc., Rudolph, Wisconsin -- relief from certain commitments.

Chicago

- Granted, November 3, 2010

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

Manufacturers and Traders Trust Company, Buffalo, New York -- to acquire the 

loans and assume the deposit liabilities of K Bank, Owings Mills, Maryland, and 

thereby establish branches.

New York

- Approved, November 5, 2010

Banks, Foreign

Bank of Montreal, Montreal, Canada -- to operate a temporary office at 360 Madison 

Avenue, New York, New York.

Director, BS&R

- Approved, November 1, 2010

Change in Bank Control

Community Bancshares, Inc., Seneca, Kansas -- to retain control of Community 

Bancshares, Inc., and its subsidiary bank, Community National Bank, Seneca.

Kansas City

- Permitted, November 5, 2010

Extensions of Time

M & P Community Bancshares, Inc. 401(k) Employee Stock Ownership Plan, 

Newport, Arkansas -- extension to January 29, 2011, to acquire additional shares of 

M & P Community Bancshares, Inc., Newport.

St. Louis

- Granted, November 1, 2010

H.2 Actions under delegated authority October 31, 2010 to November 6, 2010

(A/C) = Addition or Correction Delegated - 2 of 3
Extensions of Time

SunTrust Bank, Atlanta, Georgia -- extension to March 3, 2011, to establish a branch 

at the intersection of Auction Avenue and North 7th Street, Memphis, Tennessee.

Atlanta

- Granted, November 3, 2010

H.2 Actions under delegated authority October 31, 2010 to November 6, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending November 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 10/25/2010

10/22/2010

Rockville Financial, Rockville, Connecticut, to 

acquire 100% of the outstanding capital stock of 

Rockville Bank, Rockville, Connecticut pursuant 

to section 3(a)(1) of the BHC Act in connection 

with the reorganization of Rockville Financial, 

MHC, Rockville, Connecticut, from mutual to 

stock form.

ROCKVILLE FINANCIAL, INC.

* 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

 3251081 CONNECTICUT BK & TR CO, HARTFORD, CONNECTICUT 06/21/2010 10/07/2010 S Small Bank

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 November 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 12/03/2010

First Niagara Financial Group, Inc., Buffalo, New 

York ("FNFG"), to acquire all of the shares of 

NewAlliance Bancshares, Inc., New Haven, 

Connecticut ("NAB, Inc.") and thereby NAB, 

Inc.'s subsidiary, NewAlliance Bank, New 

Haven Connecticut, and subsequently merge 

NAB, Inc. with and into FNFG.

FIRST NIAGARA FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

UBS AG, Zurich, Switzerland, to establish two 

limited branches located at (1) 499 Washington 

Blvd., Jersey City, New Jersey and (2) 3325 

Perimeter Hill Drive, Nashville, Tennessee, 

pursuant to Section 211.24(a)(2)(i)(A) of 

Regulation K.

UBS AG

* 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 November 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

New Century Bank, d/b/a Customers Bank, 11/03/2010

Phoenixville, PA to establish a branch office 

located at 2419 Nottingham Way, Hamilton, NJ.

CUSTOMERS BANK B*B

Newspaper:

Federal Register:

CIC Not available

11/09/2010

Warburg Pincus Private Equity S, L.P., New 

York, NY, to acquire up to 19.7% of National 

Penn Bancshares, Inc, Boyertown, PA.

WARBURG PINCUS PRIVATE 

EQUITY X, L.P.

* 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

 140018 LAFAYETTE AMBASSADOR BK, EASTON, PENNSYLVANIA 05/03/2010 10/29/2010 O Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending November 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Premises Not applicable

Richwood Banking Company, Richwood, Ohio 11/11/2010

to establish a branch at 1512 W. William Street, 

Delaware, Ohio and request to exceed 

investment in premises limit

RICHWOOD BANKING 

COMPANY, INC., THE

* 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 November 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

FA Capital, LLC. and Community Bank 

Investors of America, L.P., both located in 

Richmond, Virginia, to retain 9.86% of the 

voting securities of ICB Financial, Ontario, 

California.

FA CAPITAL, LLC

Newspaper:

Federal Register:

* Branch

Not applicable

John Marshall Bank, Falls Church, Virginia, to 11/22/2010

establish a branch at 1943 Isaac Newton Square, 

Reston, Virginia.

JOHN MARSHALL BANK

Newspaper:

Federal Register:

4c8 Not applicable

Not available

MIddleburg Financial Corporation, MIddleburg, 

Virginia, to retain 7.5% ownership the 

Davenport Financial Fund, LLC.

MIDDLEBURG FINANCIAL 

CORPORATION

* 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 November 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 12/05/2010

12/06/2010

Feliciana Bancshares, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of Feliciana Bank & 

Trust Company, both of Clinton, Louisiana.

Feliciana 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

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 November 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Notice by Fred Diefenbaugh, Huntington, 11/22/2010

Indiana, to acquire 10 percent or more of the 

voting shares of Bippus State Corporation, 

Huntington, Indiana, and thereby indirectly 

acquire Bippus State Bank, Huntington, Indiana.

BIPPUS STATE CORPORATION

Newspaper:

Federal Register:

* 3A1

Not available

Chestnut Bancorp,Inc., Chestnut, Illinois, to 11/15/2010

become a bank holding company by acquiring 

100 percent of the voting shares of Bank of 

Chestnut, Chestnut, Illinois.

CHESTNUT BANCORP, INC

Newspaper:

Federal Register:

CIC Not available

11/16/2010

Notice by Robert John Dentel, Victor, Iowa, and 

Mary P. Howell, Ames, Iowa, individually, and 

the Robert John Dentel Family (Robert J. Dentel, 

Patricia A. Dentel, and three minor children) all 

of Victor, Iowa, and the Mary P. Howell Family 

(Mary P. Howell, Stephen J. Howell, and three 

minor) all of Ames, Iowa, for permission for each 

Family to control more than 25 percent of the 

shares of Dentel Bancorporation, Victor, Iowa, 

and thereby indirectly control of Victor State 

Bank, Victor, Iowa; Corydon State Bank, 

Corydon, Iowa; First State Bank of Colfax, 

Colfax, Iowa; Maxwell State Bank, Maxwell, 

Iowa; Pocahontas State Bank, Pocahontas, 

Iowa; and Panora State Bank, Panora, Iowa.

DENTEL BANCORPORATION

Newspaper:

Federal Register:

CIC Not available

08/23/2010

Notice by Betty J. Bradshaw 2000 Irrevocable 

Trust dated 10/30/00-Charles M. Shea, Trustee, 

to acquire shares of First Community 

Bancshares Corp., Anamosa, Iowa, and thereby 

indirectly acquire shares of First Community 

Bank, Milton, Wisconsin.

FIRST COMMUNITY 

BANCSHARES CORP.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Fort Madison Bank & Trust Co., Fort Madison, 11/06/2010

Iowa, to purchase certain assets and assume 

certain liabilities of the Burlington, Iowa branch 

of Valley Bank, Moline, Illinois; and to establish 

a branch at 3140 Agency Street, Suite 100, 

Burlington, Iowa.

FORT MADISON BANK & 

TRUST CO.

Newspaper:

Federal Register:

CIC 11/16/2010

11/15/2010

Notice by Marcelo L. Sacomori, London, 

England, to increase ownership from 9.9 percent 

to 51 percent of Granville Bancshares, Inc., 

Granville, Illinois, and thereby indirectly acquire 

Granville National Bank, Granville, Illinois and 

Sheridan State Bank, Sheridan, Illinois.

GRANVILLE BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 11/19/2010

12/03/2010

Hometown Community Bancorp, Inc., Employee 

Stock Ownership Plan and Trust, Morton, 

Illinois, to increase its ownership to 35 percent 

of Hometown Community Bancorp, Inc., 

Morton, Illinois, and thereby indirectly increase 

its ownership of Morton Community Bank, 

Morton, Illinois.

HOMETOWN COMMUNITY 

BANCORP, INC. ESOP AND 

TRUST

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

Federal Reserve Bank of Chicago

Filings received during the week ending November 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

11/26/2010

Peoples Bancorp, Inc., Prairie du Chien, 

Wisconsin, to acquire 100 percent of the voting 

shares of Woodhouse & Bartley Bank, 

Bloomington, Wisconsin.

PEOPLES 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending November 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 11/12/2010

establish a branch facility to be located at 2700 

Shackleford Road, Little Rock, Arkansas.

ARVEST BANK

Newspaper:

Federal Register:

* 3A3

Not available

Carlson Bancshares, Inc., West Memphis, 12/02/2010

Arkansas, to acquire no more than 9.99 percent 

of Central Bancshares, Inc., Little Rock, 

Arkansas and thereby indirectly acquire Central 

Bank, Little Rock, Arkansas.

CARLSON BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3

Not available

Cross County Bancshares, Inc., Wynne, 12/04/2010

Arkansas, to acquire no more than 24.99 percent 

of Central Bancshares, Inc., Little Rock, 

Arkansas and thereby indirectly acquire Central 

Bank, Little Rock, Arkansas.

CROSS COUNTY BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A3 11/30/2010

12/03/2010

First National Bank of Berryville Employee 

Stock Ownership Trust, Berryville, Arkansas, to 

acquire an additional 6 percent of the First 

Carroll Bankshares, Inc., Berryville, Arkansas, 

and thereby increasing its control of The First 

National Bank of Berryville, Berryville, 

Arkansas.

FIRST NATIONAL BANK OF 

BERRYVILLE EMPLOYEE STOCK 

OWNERSHIP TRUST

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Lonoke Bancshares, Inc., Lonoke, Arkansas, to 

acquire no more than 24.99 percent of Central 

Bancshares, Inc., Little Rock, Arkansas and 

thereby indirectly acquire Central Bank, Little 

Rock, Arkansas.

LONOKE 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

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 November 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

11/29/2010

Bigfork Bancshares, Inc., Bigfork, Minnesota, to 

acquire 100 percent of Kelliher Bancshares Inc., 

Kelliher, Minnesota, and thereby indirectly 

acquire Citizens State Bank of Kelliher, Kelliher, 

Minnesota.

BIGFORK 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

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 November 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

11/15/2010

Notification by Larry L. Bingham, Baxter 

Springs, Kansas; Ross C. Hartley, Teton Village, 

Wyoming; Fred Mitchelson, Pittsburg, Kansas; 

and Bob L. Robinson, Baxter Springs, Kansas, 

to acquire control of American BancShares, Inc., 

Baxter Springs, Kansas, parent of American 

Bank of Baxter Springs, Baxter Springs, Kansas.

AMERICAN BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

American State Bancshares, Inc., to acquire 100 

percent of ASB Holdings, LLC, both in Great 

Bend, Kansas, and thereby engage in 

information technology consulting services.

AMERICAN STATE 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 11/30/2010

11/27/2010

Aslin Opportunity Fund BK, LP, Cape Haze, 

Florida, to acquire 46.7 percent of the voting 

shares of Aslin Group, Inc., parent of Alterra 

Bank, both in Overland Park, Kansas.

ASLIN OPPORTUNITY FUND BK, 

LP

Newspaper:

Federal Register:

* 3A1 Not available

12/02/2010

Bedison Bancshares, Inc., Platte City, Missouri, 

to become a bank holding company through the 

acquisition of 78.03 percent of the voting shares 

of The Citizens Bank of Oregon, Oregon, 

Missouri.

BEDISON BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 12/03/2010

11/26/2010

Exchange Bancorp of Missouri, Inc., Fayette, 

Missouri, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Exchange Bank of Missouri, 

Fayette, Missouri.

EXCHANGE BANCORP OF 

MISSOURI, INC.

Newspaper:

Federal Register:

CIC Not available

11/10/2010

Notice submitted by J. Grant Burcham,as trustee 

of the James Grant Burcham Trust, Kansas City, 

Missouri, to retain control of MBT Bancshares, 

Inc., Kansas City, Missouri, parent of Missouri 

Bank and Trust Company, Kansas City, 

Missouri.

MBT BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Northern Missouri Bancshares, Inc., Unionville, 

Missouri, to acquire at least 51 percent of the 

voting shares of Exchange Bancorp of Missouri, 

Inc., Fayette, Missouri, parent of Exchange 

Bank of Missouri, Fayette, Missouri.

NORTHERN MISSOURI 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

The Stock Exchange Bank, Caldwell, Kansas, to 

establish a branch at 106 West Spruce Street, 

Arkansas City, Kansas.

STOCK EXCHANGE BANK

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

Federal Reserve Bank of Kansas City

Filings received during the week ending November 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Union Bank, Oklahoma City, Oklahoma, to 

merge with First Coleman National Bank, 

Coleman, Texas; Graham National Bank, Graham, 

Texas; Citizens National Bank of Breckenridge, 

Breckenridge, Texas; First State Bank of 

Canadian, National Association, Canadian, 

Texas; First National Bank of Olney, Olney, 

Texas; Friona State Bank, National Association, 

Friona, Texas; Farmers National Bank of 

Seymour, Seymour, Texas; and InterBank, Elk 

City, Oklahoma; and incident thereto, to 

establish 15 branches in Texas and Oklahoma. 

Union Bank, Oklahoma City, Oklahoma, to also 

purchase certain assets and assume certain 

liabilities of the Borger and Stinnett branches of 

First National Bank of Borger, Borger, Texas.

UNION BANK

Newspaper:

Federal Register:

* 3A3 Not available

12/02/2010

Wells Bancshares, Inc., Platte City, Missouri, to 

acquire 17.54 percent of the voting shares of 

Bedison Bancshares, Inc., Platte City, Missouri, 

parent of The Citizens Bank of Oregon, Oregon, 

Missouri.

WELLS BANCSHARES, 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

 274753 CNB COMNTY BK, GREELEY, NEBRASKA 08/09/2010 10/20/2010 S Small Bank

 277053 FIRST ST BK OF CO, HOTCHKISS, COLORADO 07/26/2010 10/28/2010 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 November 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

12/04/2010

Bertram BancShares, Inc., Bertram, Texas, to 

become a bank holding company by acquiring 

99.52% of Farmers State Bank, Bertram, Texas.

BETRAM BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

11/26/2010

Community Bancorp LLC, Houston, Texas, to 

become a bank holding company by acquiring 

100 percent of Cadence Financial Corporation, 

Starkville, Mississippi, and indirectly acquire 

Cadence Bank, N.A., Starkville, Mississippi.

COMMUNITY BANCORP LLC

Newspaper:

Federal Register:

CIC Not available

11/10/2010

Notice by Byron Cook, Ginne Sue Cook, Katie 

Cook, Lance Cook, Karen Cook, and Nina Sue 

Cook,all in Corsicana, Texas, collectively the 

Cook Family - Notificants, to retain 10 percent or 

more of the shares of Community Bank 

Holdings of Texas, Inc., Corsicana, Texas, and 

indirectly Community National Bank and Trust 

of Texas, Corsicana, Texas.

COMMUNITY BANK HOLDINGS 

OF TEXAS, INC.

Newspaper:

Federal Register:

CIC Not available

10/18/2010

Notice by Henry Lewis Gallegly and Marjorie 

Clair Gallegly, Dalhart, Texas, to increase their 

ownership and control from 11.2 percent to 

19.07 percent of First Dalhart Bancshares, Inc., 

Dalhart, Texas, and indirectly First National 

Bank in Dalhart, Dalhart, Texas.

FIRST DALHART 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 11/28/2010

11/29/2010

Veritex Holdings, Inc., Dallas, Texas, to acquire 

100 percent of Fidelity Resources Company, 

Plano, Texas, and indirectly acquire Fidelity 

Bank, Plano, Texas.

VERITEX HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A3 11/28/2010

11/29/2010

WCM Holdings, Inc., Dallas, Texas, and 

WCM-Parkway, Ltd., Dallas, Texas to acquire 

greater than 5 percent of Veritex Holdings, Inc., 

Dallas, Texas, and indirectly Professional Bank, 

NA, Dallas, Texas.

WCM HOLDINGS, INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending November 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

4c8 11/22/2010

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management Company, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community Bancfund-A, L.P., Carpenter 

Community Bancfund-CA, L.P., CGB Holdings, 

Inc., CCFW, Inc., and SCJ, Inc., all of Irvine, 

California, to acquire 100 percent of Professional 

Business Bank, Pasadena, California, in 

connection with the merger of Professional 

Business Bank with and into California General 

Bank, Pasadena, California; and 2)CGB 

Holdings, Inc., Irvine, California, to form a 

wholly-owned subsidiary, CGB Asset 

Management, Inc., Irvine, California, to engage 

in extending credit and servicing loans, 

pursuant to section 225.28 (b)(1) of Regulation 

Y.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

CIC Not available

11/19/2010

Henry Liebman, Gail Katz, and Sodo Builders, all 

of Seattle, Washington, acting as a group in 

concert, to retain 10 percent or more of the 

voting shares of Regal Financial Bancorp, Inc., 

and thereby indirectly acquire Regal Financial 

Bank, both of Seattle, Washington.

REGAL FINANCIAL BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

11/29/2010

SKBHC Holdings, LLC, and SKBHC Hawks 

Nest Acquisition Corp., both of Corona del Mar, 

California, to acquire 100 percent of 

AmericanWest Bank, Spokane, Washington.

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

 995076 CACHE VALLEY BK, LOGAN, UTAH 07/06/2010 10/29/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act