Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 21 

Week Ending May 26, 2012

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

Morgan Stanley, New York, New York -- to acquire additional shares of Morgan 

Stanley Smith Barney Holdings LLC from Citigroup Inc., New York.

- Approved, May 24, 2012

Forms

Forms -- initial 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).

- Proposed, May 25, 2012

Regulations and Policies

Regulation OO (Supervised Securities Holding Company Registration) -- final rule 

outlining the procedures for securities holding companies to elect to be supervised by 

the Federal Reserve, in accordance with the Dodd-Frank Act.

- Approved, May 25, 2012

Enforcement

Enforcement Actions -- action plans for supervised financial institutions to correct 

deficiencies in residential mortgage loan servicing and foreclosure processing, as 

required by formal enforcement actions issued by the Federal Reserve last year.

- Announced, May 24, 2012

Guaranty Bancorp, Denver, Colorado, and Guaranty Bank and Trust Company

 -- written agreement dated January 22, 2010, terminated May 16, 2012.

- Announced, May 22, 2012

H.2 Board Actions May 20, 2012 to May 26, 2012

(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 Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

May 20, 2012 to May 26, 2012

MA Monetary Affairs

Bank Branches, Domestic

Exchange Bank of Missouri, Fayette, Missouri -- to establish a branch at 923 and 

929 West Vest Street, Marshall.

Kansas City

- Approved, May 23, 2012

Five Star Bank, Warsaw, New York -- to establish a branch at 3133 Silverback Lane, 

Town of Erwin.

New York

- Approved, May 21, 2012

State Bank Financial, La Crosse, Wisconsin -- to establish a branch at 3956 and 

4020 Mormon Coulee Road, La Crosse.

Minneapolis

- Approved, May 23, 2012

Bank Holding Companies

Northeast Indiana Bancorp, Inc., Huntington, Indiana -- to become a bank holding 

company on conversion of its subsidiary thrift, First Federal Savings Bank, 

Huntington, to a state-chartered bank.

Chicago

- Approved, May 25, 2012

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

Community Bank, Inc., Ronan, Montana -- to merge with Community 

Bank-Missoula, Inc., Missoula, and thereby establish three branches.

Minneapolis

- Approved, May 23, 2012

Change in Bank Control

Community State Bancshares, Inc., Wichita, Kansas -- to retain control of 

Community State and its subsidiary bank, Community Bank of Wichita, Inc., 

Wichita.

Kansas City

- Permitted, May 25, 2012

Highlands Bankshares, Inc., Abingdon, Virginia -- to retain control of Highlands 

Bankshares and its subsidiary bank, Highlands Union Bank, Abingdon.

Richmond

- Returned, May 24, 2012

Krey Co. Ltd., Pratt, Kansas -- to retain control of Krey Co. and its subsidiary bank, 

The Peoples Bank, Pratt.

Kansas City

- Permitted, May 25, 2012

Moultrie Bancorp, Inc., Lovington, Illinois -- to retain control of Moultrie Bancorp 

and its subsidiary bank, Hardware State Bank, Lovington.

Chicago

- Permitted, May 22, 2012

H.2 Actions under delegated authority May 20, 2012 to May 26, 2012

(A/C) = Addition or Correction Delegated - 2 of 4
Extensions of Time

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri -- extension 

to August 24, 2012, to increase its ownership of Cabool Bancshares, Inc., Cabool, 

and thereby increase its indirect control of Cabool State Bank.

St. Louis

- Granted, May 21, 2012

International Operations

State Street Bank and Trust Company, Boston, Massachusetts, and State Street 

International Holdings -- waiver of remainder of prior-notice period to invest, 

through State Street International Holdings Switzerland GmbH, Steinhausen, 

Switzerland, in a Malaysia-based company.

Director, BS&R

- Granted, May 24, 2012

Membership

Bank of Cave City, Cave City, Arkansas -- to become a member of the Federal 

Reserve System.

St. Louis

- Approved, May 22, 2012

Liberty Federal Savings and Loan Association, Baltimore, Maryland -- to become a 

member of the Federal Reserve System on conversion to a state-chartered bank.

Richmond

- Approved, May 21, 2012

H.2 Actions under delegated authority May 20, 2012 to May 26, 2012

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

Magna Bank, Memphis, Tennessee -- to become a member of the Federal Reserve 

System.

St. Louis

- Approved, May 21, 2012

H.2 Actions under delegated authority May 20, 2012 to May 26, 2012

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

Federal Reserve Bank of Boston

Filings received during the week ending May 26, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Application by First National Bank of Ipswich, 

Ipswich, Massachusetts, 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.

FIRST NATIONAL BANK OF 

IPSWICH, THE

Newspaper:

Federal Register:

CIC 05/14/2012

05/01/2012

Notification by Kevin P. Meehan to acquire up 

to 53.18% of the outstanding shares of the 

common stock of MNB Bancorp, Milford, 

Massachusetts pursuant to the Change in Bank 

Control Act of 1978.

MNB BANCORP

* 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 Third Quarter of 2012 (July 1, 2012 - September 30, 2012)

Institution Location

NORTHAMPTON CO-OP BK NORTHAMPTON, MASSACHUSETTS

START CMNTY BK NEW HAVEN, CONNECTICUT

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

Federal Reserve Bank of New York

Filings received during the week ending May 26, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

05/23/2012

Notice by Preston D. Pinkett, III to acquire 10 

percent of City National Bancshares 

Corporation, Newark, New Jersey.

CITY NATIONAL BANCSHARES 

CORPORATION

* 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 Third Quarter of 2012 (July 1, 2012 - September 30, 2012)

Institution Location

BANK OF CATTARAUGUS CATTARAUGUS, NEW YORK

MANUFACTURERS & TRADERS TC BUFFALO, NEW YORK

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending May 26, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 06/19/2012

06/11/2012

ESSA Bancorp, Inc., Stroudsburg, PA, to form a 

bank holding company by acquiring First Star 

Bancorp, Bethlehem, PA.

ESSA BANCORP, INC.

Newspaper:

Federal Register:

* MHC Merger Not available

MHC Minority 

Stock Issuance

Not applicable

Northfield Bancorp, MHC, Staten Island, NY, to 

acquire Flatbush Federal Bancorp, MHC, 

Brooklyn, NY, subsequently Northfield 

Bancorp, Inc., Staten Island, NY, to acquire, 

Flatbush Federal Bancorp, Inc., Brooklyn, NY.

NORTHFIELD BANCORP, MHC

Newspaper:

Federal Register:

CIC Not available

09/21/2011

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., 

Patriot Financial Manager, LLC. and Messrs. Ira 

M. Lubert, W. Kirk Wycoff and James J. Lynch, 

all of Philadelphia, Pennsylvania, to purchase 

up to 24.9 percent of Porter Bancorp, Inc., 

Louisville, KY.

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 Third Quarter of 2012 (July 1, 2012 - September 30, 2012)

Institution Location

AMERICAN BK ALLENTOWN, PENNSYLVANIA

UNIVEST NB&TC SOUDERTON, PENNSYLVANIA

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

Federal Reserve Bank of Cleveland

Filings received during the week ending May 26, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Third Quarter of 2012 (July 1, 2012 - September 30, 2012)

Institution Location

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

Federal Reserve Bank of Richmond

Filings received during the week ending May 26, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

BankAnnapolis, Annapolis, Maryland to 05/25/2012

establish a branch at 2379 Brandermill Blvd., 

Gambrills, Maryland.

BANKANNAPOLIS

Newspaper:

Federal Register:

CIC Not available

Not available

James D. Moore, Jr., Abingdon, Virginia, to 

retain control of 10.77% of the voting shares of 

Highlands Bankshares, Inc., Abingdon, Virginia

HIGHLANDS BANKSHARES, 

INC.

Newspaper:

Federal Register:

CIC 05/29/2012

05/29/2012

John W. Crites, Marco Island, Florida, to 

individually retain control of 10.41% of the 

voting shares of Summit Financial Group, Inc., 

Moorefield, West Virginia, with shares held in 

his individual capacity, jointly with Patricia 

Crites, and as trustee for the following trusts: 

Subtrust f/b/o Zackary Kenton Crites; Subtrust 

f/b/o Bailey Buena-Vista Crites; Subtrust f/b/o 

Kevin David Mongold; Subtrust f/b/o Jessica 

Ann Mongold; Subtrust f/b/o Joshua Alexander 

Wingard; and Subtrust f/b/o Bianca Marie 

Wingard; Patricia A. Crites 2010 Grantor 

Retained Annuity Trust; and Patricia A. Crites 

2012 Grantor Retained Annuity Trust. In 

addition John and Patricia Crites and the 

following would controlin aggregate 10.43% of 

the voting shares of Summit Financial Group, 

Inc.: Valerie C. Mongold, Weyers Cave, 

Virginia,; Kelly C. Wingard, Petersburg, West 

Virginia, in her individual capacity and a Trustee 

for the following subtrusts: Subtrust f/b/o 

Jeremiah Thomas Wingard and Subtrust f/b/o 

Joseph Riley Wingard; and John W. Crites II, 

Petersburg, West Virginia.

SUMMIT FINANCIAL GROUP, 

INC.

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Third Quarter of 2012 (July 1, 2012 - September 30, 2012)

Institution Location

BANK OF MCKENNEY MCKENNEY, VIRGINIA

CENTRAL VA BK POWHATAN, VIRGINIA

CITIZENS B&TC BLACKSTONE, VIRGINIA

EVB TAPPAHANNOCK, VIRGINIA

FARMERS & MERCHANTS BK TIMBERVILLE, VIRGINIA

FARMERS & MINERS BK PENNINGTON GAP, VIRGINIA

FIRST FS&LA CHARLESTON, SOUTH CAROLINA

MONARCH BK CHESAPEAKE, VIRGINIA

SELECT BK FOREST, VIRGINIA

SONABANK MCLEAN, VIRGINIA

TRUPOINT BK GRUNDY, VIRGINIA

UNION FIRST MKT BK RICHMOND, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending May 26, 2012

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 Third Quarter of 2012 (July 1, 2012 - September 30, 2012)

Institution Location

1ST UNITED BK BOCA RATON, FLORIDA

AUBURNBANK AUBURN, ALABAMA

COMMERCE UNION BK SPRINGFIELD, TENNESSEE

FIRST FARMERS & MRCH B COLUMBIA, TENNESSEE

FIRST S BK BOCA RATON, FLORIDA

FOOTHILLS B&T MARYVILLE, TENNESSEE

REGIONS BK BIRMINGHAM, ALABAMA

RELIANT BK BRENTWOOD, TENNESSEE

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

Federal Reserve Bank of Chicago

Filings received during the week ending May 26, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

06/05/2012

Notice by Mildred Stanley, Searsboro, Iowa, as 

trustee of the Warren Stanley Trust to retain 

control of 15.42 percent of First State Bank 

Holding Company, Lynnville, Iowa, and thereby 

indirectly First State Bank, Lynnville, Iowa.

FIRST STATE BANK HOLDING 

COMPANY

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

GNB Bank, Grundy Center, Iowa, to merge with 05/21/2012

First State Bank, Manchester, Iowa. As a result 

of the merger, GNB Bank will establish a branch 

at 300 East Main, Manchester, Iowa.

GNB 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

NONE

CRA Examinations scheduled for Third Quarter of 2012 (July 1, 2012 - September 30, 2012)

Institution Location

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

Federal Reserve Bank of St. Louis

Filings received during the week ending May 26, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 05/31/2012

establish a branch facility to be located at the 

Southwest Corner of Township Street and 

College Avenue, Fayetteville, Arkansas.

ARVEST BANK

Newspaper:

Federal Register:

* 3A1 06/15/2012

06/22/2012

First State Bancorp, Inc. Employee Stock 

Ownership Plan, Caruthersville, Missouri, to 

become a bank holding company by acquiring 

up to 40 percent of First State Bancorp, Inc., 

Caruthersville, Missouri, and thereby indirectly 

acquire First State Bank and Trust Company, 

Caruthersville, Missouri.

FIRST STATE BANCORP, INC. 

EMPLOYEE STOCK OWNERSHIP 

PLAN

Newspaper:

Federal Register:

CIC 06/07/2012

06/12/2012

Notice by Eddie D. Franklin, Columbia, 

Kentucky, to retain control of 10.39 percent of 

United Citizens Bancorp, Inc., Columbia, 

Kentucky, and remain its largest shareholder.

UNITED CITIZENS BANCORP, 

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 Third Quarter of 2012 (July 1, 2012 - September 30, 2012)

Institution Location

BANK OF HILLSBORO HILLSBORO, MISSOURI

BANK OF LAKE VILLAGE LAKE VILLAGE, ARKANSAS

BANK OF SALEM SALEM, ARKANSAS

CITIZENS B&TC VAN BUREN, ARKANSAS

EXCHANGE BK NE MO KAHOKA, MISSOURI

FIRST BK CREVE COEUR, MISSOURI

FIRST ST BK OF DONGOLA DONGOLA, ILLINOIS

LEGACY BK & TR CO ROGERSVILLE, MISSOURI

OHIO VALLEY FNCL GROUP HENDERSON, KENTUCKY

SCOTT COUNTY ST BK SCOTTSBURG, INDIANA

SIMMONS FIRST BK OF HOT SPRING HOT SPRINGS, ARKANSAS

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending May 26, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by William V. Eckles 

Bank Trust, Mr. William V. Eckles as Trustee, 

Blue Earth, Minnesota, to retain control of FNB 

Bancshares, Inc., Blue Earth, Minnesota, and 

thereby indirectly retain control of First Bank 

Blue Earth, Blue Earth, Minnesota.

FNB BANCSHARES INC.

Newspaper:

Federal Register:

* 3A1 06/18/2012

06/14/2012

Retroactive application by King Kalispell, LLC, 

to remain a bank holding company by 

continuing to control King Family GNB, L.P. and 

King Family VB, L.P. and thereby indirectly 

control each of Great Northern Bancshares, Inc. 

and Valley Bancshares, Inc., all of Kalispell, 

Montana. King Family GNB, L.P., to remain a 

bank holding company by continuing to control 

Great Northern Bancshares, Inc. King Family 

VB, L.P., to remain a bank holding company by 

continuing to control Valley Bancshares, Inc. 

Great Northern Bancshares, Inc., controls Three 

Rivers Bank of Montana, Kalispell, Montana, 

and Valley Bancshares, Inc., controls Valley 

Bank of Kalispell, Kalispell, Montana.

KING KALISPELL, LLC

* 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 Third Quarter of 2012 (July 1, 2012 - September 30, 2012)

Institution Location

DACOTAH BK ABERDEEN, SOUTH DAKOTA

FARMERS ST BK VICTOR, MONTANA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending May 26, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Adams Bank and Trust, Ogallala, Nebraska, to 06/13/2012

establish a branch at 10 Ken Pratt Boulevard, 

Longmont, Colorado.

ADAMS BANK & TRUST

Newspaper:

Federal Register:

CIC 06/07/2012

06/04/2012

Notice by Elizabeth A. Murphy, Omaha, 

Nebraska, individually, and the Elizabeth A. 

Murphy 2011 Irrevocable Trust, to acquire 

control of Ameriwest Corporation, parent of 

First Westroads Bank, Inc., both in Omaha, 

Nebraska.

AMERIWEST CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Nebraska Bank, Valley, Nebraska, to 

purchase certain assets and assume certain 

liabilities of Heartland Community Bank, Bennet, 

Nebraska, and incident thereto, to establish 

branches in Avoca, Bennet, Nebraska City, and 

Weeping Water, all in Nebraska.

FIRST NEBRASKA BANK

Newspaper:

Federal Register:

* Branch

Not applicable

FirstBank, Lakewood, Colorado, to establish a 05/31/2012

branch at 2014 Grand Avenue, Glenwood 

Springs, Colorado.

FIRSTBANK

Newspaper:

Federal Register:

CIC Not available

06/13/2012

Notice by the Schmidt Family Partnership, L.P., 

Spiro, Oklahoma; and Deborah Schmidt Barrett 

and Jason Tyler Barrett, both of Fort Smith, 

Arkansas; to remain members of the Schmidt 

Family Group acting in concert and to retain 

control of Spiro Bancshares, Inc., parent of 

Spiro State Bank, both in Spiro, Oklahoma.

SPIRO BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 06/15/2012

06/14/2012

Valliance Financial Corp., Oklahoma City, 

Oklahoma, to acquire 100 percent of the voting 

shares of Valliance Texas Financial Holdings, 

Inc., parent of Valliance Bank, McKinney, 

Texas.

VALLIANCE FINANCIAL CORP.

Newspaper:

Federal Register:

* 3A1 05/12/2012

05/31/2012

Vintage Bancorp, Inc., Wichita, Kansas, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Vintage Bank Kansas, Leon, Kansas and 

CornerBank, N.A., Winfield, Kansas. Vintage 

Bancorp, Inc., Wichita, Kansas, elects to 

become a financial holding company.

VINTAGE 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

NONE

CRA Examinations scheduled for Third Quarter of 2012 (July 1, 2012 - September 30, 2012)

Institution Location

BANK OF BLUE VALLEY OVERLAND PARK, KANSAS

BANK OF STAR VALLEY AFTON, WYOMING

BANK VI SALINA, KANSAS

BANK2 OKLAHOMA CITY, OKLAHOMA

CORNERSTONE BK YORK, NEBRASKA

CORNHUSKER BK LINCOLN, NEBRASKA

FARMERS ST BK WALLACE, NEBRASKA

FIRST BK&TC MINDEN, NEBRASKA

FIRST PRYORITY BK PRYOR, OKLAHOMA

HERITAGE BK TOPEKA, KANSAS

PEOPLES BK LAWRENCE, KANSAS

PEOPLES BK COLDWATER, KANSAS

ROCKY MNT BK WILSON, WYOMING

SUNDANCE ST BK SUNDANCE, WYOMING

TOWN & COUNTRY BK RAVENNA, NEBRASKA

UNION ST BK CLAY CENTER, KANSAS

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

Federal Reserve Bank of Dallas

Filings received during the week ending May 26, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas, to establish a 05/18/2012

branch at 208 Earl Garrett Street, Kerrville, Texas 

78028.

COMERICA BANK

Newspaper:

Federal Register:

CIC 05/29/2012

03/21/2012

Mission-Heights Capital, Ltd., Houston, Texas, 

and Mission-Heights, LLC, Houston, Texas, 

general partner; and Charles Robert Miller, Jr., 

Odem, Texas, individually, intend to apply to 

the Federal Reserve Board for permission to 

acquire 25 percent or more of the shares of 

Odem Bancshares, Inc., Odem, Texas, and 

thereby indirectly obtain control of First State 

Bank of Odem, Odem, Texas., in association 

with a request by Mission-Heights Capital, Ltd., 

to be treated as a Qualified Family Partnership 

(QFP).

ODEM BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

05/09/2012

Notice by Ray Mark Bain, Lubbock, Texas, 

individually, as co-trustee of the RMB 2012 

Family Trust, trustee of the Ray Mark Bain 2007 

Trust, and trustee of the Ray Mark Bain 

Children's Trusts; Michael Lewis Bain, Canyon, 

Texas, individually, as co-trustee of the RMB 

2012 Family Trust, trustee of the Michael L. Bain 

2007 Trust, and trustee of the Michael L. Bain 

Children's Trusts; Nancy Bain Seybert, 

Perryton, Texas, individually, as trustee of the 

Nancy Bain Seybert 2007 Trust, and trustee of 

the Nancy Bain Seybert Children's Trusts; Ray 

M. Bain, Dimmitt, Texas; and Barbara June Bain, 

Dimmitt, Texas; collectively a group acting in 

concert, to control, retain and acquire 47.71 

percent of Plains Bancorp, Inc., Dimmitt, Texas, 

and therefore, indirectly, First United Bank, 

Dimmitt, Texas.

PLAINS BANCORP, 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 Third Quarter of 2012 (July 1, 2012 - September 30, 2012)

Institution Location

COMERICA BK DALLAS, TEXAS

WELLINGTON ST BK WELLINGTON, TEXAS

WESTERN BK LORDSBURG, NEW MEXICO

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

Federal Reserve Bank of San Francisco

Filings received during the week ending May 26, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 Not available

First Foundation Inc. to become a bank holding 

company upon the conversion of its 

wholly-owned subsidiary First Foundation Bank 

from a federal savings bank to a commercial 

bank and 2) to engage in financial and 

investment advisory activities through its 

wholly-owned subsidiary, First Foundation 

Advisors, all of Irvine, California.

FIRST FOUNDATION INC.

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8 02/21/2012

First PacTrust Bancorp, Inc., Chula Vista, 

California, to become a bank holding company 

by acquiring 100 percent of Beach Business 

Bank, Manhattan Beach, California, pursuant to 

section 3(a)(1) of the BHC Act, and 2)to retain 

100 percent control of Pacific Trust Bank, 

fsb,Chula Vista, California, and thereby engage 

in operating a nonbank thrift subsidiary, 

pursuant to section 225.28(b)(4) of Regulation 

Y.

FIRST PACTRUST BANCORP, 

INC.

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

05/05/2012

Sound Financial Bancorp,Inc., Seattle, 

Washington; to become a savings and loan 

holding company upon the second-step 

conversion of Sound Community MHC, and 

Sound Financial, Inc., both in Seattle, 

Washington. Sound Financial Bancorp, Inc. will 

control Sound Community Bank, Seattle, 

Washington.

SOUND COMMUNITY MHC

* 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 Third Quarter of 2012 (July 1, 2012 - September 30, 2012)

Institution Location

ALTAPACIFIC BK SANTA ROSA, CALIFORNIA

GOLD CANYON BK GOLD CANYON, ARIZONA

NORTH VALLEY BK REDDING, CALIFORNIA

PACIFIC MERC BK COSTA MESA, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act