Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 44 

Week Ending October 29, 2011

Board of Governors of the Federal Reserve System, Washington, DC 20551
Banks, Foreign

Allied Banking Corporation, Makati City, Philippines, and Oceanic Holding (BVI) 

Limited, Tortola, British Virgin Islands -- request to place the shares of Oceanic 

Bank Holding, Inc., San Francisco, California, in a temporary trust to facilitate the 

merger of Allied Banking Corporation with and into Philippine National Bank, Pasay 

City, Philippines.

- Approved, October 28, 2011

Reserve Bank Operations

Federal Reserve Bank of Cleveland -- appointment of Gregory L. Stefani as first vice 

president, effective November 1, 2011.

- Approved, October 26, 2011

Reserve Bank Services

Federal Reserve Priced Services -- 2012 private sector adjustment factor, earnings 

credit rate, and fee schedules for priced services and electronic access.

- Approved, October 28, 2011

Enforcement

Border Capital Group, Inc., McAllen, Texas -- written agreement with the Federal 

Reserve Bank of Dallas.

- Announced, October 25, 2011

Fox River Valley Bancorp, Inc., Appleton, Wisconsin -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, October 27, 2011

Liberty Bancorp, South San Francisco, California, and Liberty Bank -- written 

agreement with the Federal Reserve Bank of San Francisco.

- Announced, October 27, 2011

H.2 Board Actions October 23, 2011 to October 29, 2011

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

Parkway Bancorp, Inc., Harwood Heights, Illinois -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, October 27, 2011

H.2 Board Actions October 23, 2011 to October 29, 2011

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSD Office of Staff Director

October 23, 2011 to October 29, 2011

Bank Branches, Domestic

Centennial Bank, Centennial, Colorado -- to establish a branch at 2500 Broadway, 

Boulder.

Kansas City

- Approved, October 28, 2011

Comerica Bank, Dallas, Texas -- to establish a branch at 4707 East Cactus Road, 

Phoenix, Arizona.

Dallas

- Approved, October 25, 2011

USAmeriBank, Largo, Florida -- to establish a branch at 2781 West Bay Drive, 

Belleair Bluffs.

Atlanta

- Approved, October 25, 2011

Bank Holding Companies

Eagle Bancorp, Inc., Bethesda, Maryland -- to acquire Alliance Bankshares 

Corporation, Chantilly, Virginia, and for EagleBank, Bethesda, to merge with 

Alliance Bank Corporation, Fairfax, Virginia, and thereby establish branches.

Richmond

- Approved, October 28, 2011

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

First BanCorp, San Juan, Puerto Rico, and FirstBank of Puerto Rico -- request for an 

exemption under the Depository Institution Management Interlocks Act and 

Regulation L (two requests).

General Counsel

- Granted, October 24, 2011

Oostburg Bancorp, Inc., Oostburg, Wisconsin -- to establish OSC Consulting 

Services, LLC, Oostburg, and thereby engage in management consulting and 

counseling activities.

Chicago

- Approved, October 25, 2011

Banks, Foreign

RBC Dexia Investor Services Bank S.A., Esch-sur-Alzette, Luxembourg -- to 

establish a representative office in New York, New York.

New York

- Withdrawn, October 26, 2011

Banks, State Member

Farmers and Merchants Bank of Long Beach, Long Beach, California -- to make a 

public welfare investment.

Director, BS&R

- Approved, October 28, 2011

H.2 Actions under delegated authority October 23, 2011 to October 29, 2011

(A/C) = Addition or Correction Delegated - 2 of 4
Change in Bank Control

First Kenesaw Company, Kenesaw, Nebraska -- change in bank control of First 

Kenesaw and its subsidiary bank, Adams County Bank, Kenesaw.

Kansas City

- Permitted, October 24, 2011

Weed Investment Group, Inc., Cheyenne Wells, Colorado -- change in bank control 

of Weed Investment and its subsidiary bank, The Eastern Colorado Bank, Cheyenne 

Wells.

Kansas City

- Permitted, October 27, 2011

Extensions of Time

First Southern Bancorp, Inc., Stanford, Kentucky -- extension to January 29, 2012, to 

acquire shares of CKF Bancorp, Inc., Danville.

Cleveland

- Granted, October 28, 2011

Regulations and Policies

Regulation D (Reserve Requirements of Depository Institutions) -- final rule 

implementing the annual indexing of the low reserve tranche, reserve requirement 

exemption amount, nonexempt deposit cutoff level, and reduced reporting limit 

for 2012.

Director, MA

- Approved, October 25, 2011

H.2 Actions under delegated authority October 23, 2011 to October 29, 2011

(A/C) = Addition or Correction Delegated - 3 of 4
Savings and Loan Holding Companies

AF Mutual Holding Company, Alamogordo, New Mexico, and Alamogordo 

Financial Corp -- for their subsidiary savings association, Bank'34, Alamogordo, to 

establish a de novo operating subsidiary to acquire and hold foreclosed property, 

nonperforming assets, and substandard assets currently held by Bank'34.

Dallas

- Approved, October 26, 2011

H.2 Actions under delegated authority October 23, 2011 to October 29, 2011

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

Federal Reserve Bank of Boston

Filings received during the week ending October 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending October 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

CIT Group Inc., Livingston, New Jersey, 

pursuant to Section 211.9(f) of Regulation K, to 

retain an investment in Equipment Protection 

Services (Europe) Limited, Dublin, Ireland.

CIT GROUP INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Raiffeisen Bank International AG, Vienna, 

Austria, to establish a representative office in 

New York, New York, pursuant to Section 10(a) 

of the International Banking Act of 1978, as 

amended and Section 211.24(a)(1) of Regulation 

K.

RAIFFEISEN BANK 

INTERNATIONAL 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

 645317 ADIRONDACK TC, SARATOGA SPRINGS, NEW YORK 06/13/2011 10/17/2011 O Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending October 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

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

Newspaper:

Federal Register:

* SLHC 

Formation

* MHC 

Conversion

10/09/2011

10/17/2011

Polonia Bancorp, Inc., Baltimore, MD, to acquire 

100 percent of Polonia Bancorp, Inc., 

Huntingdon Valley, PA.

Polonia Bancorp, Inc.

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending October 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 11/25/2011

11/25/2011

FFD Financial Corp.,Dover, Ohio, to become a 

bank holding company by acquiring First 

Federal Community Bank, Dover, Ohio, a thrift, 

upon its conversion to a national bank

FFD FINANCIAL CORP.

* 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

 189129 COMMERCIAL & SVG BK, MILLERSBURG, OHIO 07/11/2011 10/27/2011 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending October 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

S. Christopher Williford, Wilson, North 

Carolina, to control up to 24.69% of the voting 

shares of CB Financial Corporation, Wilson, 

North Carolina.

CB FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Security Federal Corporation, Aiken, South 

Carolina, to become a bank holding company 

upon the conversion of Security Federal Bank, 

Aiken, South Carolina, from a federal stock 

savings bank to South Carolina state charter.

security federal

* 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 October 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

CenterState Banks, Inc., Davenport, Florida, to 

engage in making, acquiring, brokering, or 

servicing loans, or other extensions of credit 

though its nonbank subsidiary, R4ALL, Inc., 

Davenport, Florida.

CENTERSTATE BANKS, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Clayton Bancorp, Inc., Knoxville, Tennessee, 

requests to engage in making, acquiring, 

brokering, or servicing loans, or other 

extensions of credit, pursuant to section 

225.28(b)(1), and to engage in activities related 

to extending credit, pursuant to Section 

225.28(b)(2), of Regulation Y and 4(c)8 of the 

Bank Holding Company Act.

CLAYTON BANCORP, INC

Newspaper:

Federal Register:

* 3A3

Not available

First NBC Bank Holding Company, New 11/28/2011

Orleans, Louisiana, to acquire 100 percent of the 

outstanding shares of Central Progressive Bank, 

Lacombe, Louisiana.

FIRST NBC BANK HOLDING 

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 11/14/2011

establish a branch located at 4894 Poplar 

Avenue, Memphis, Tennessee.

IBERIABANK

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 11/14/2011

establish a branch located at 2824 Cahaba Road, 

Birmingham, Alabama.

IBERIABANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

NCG Banco, S.A., A Coruna, Spain, to establish 

an international bank branch in Miami, Florida.

NCG Banco, S.A.

Newspaper:

Federal Register:

* 3A1 Not available

11/21/2011

(Advance Federal Register) Raymond James 

Financial, Inc., to become a bank holding 

company by acquiring 100 percent of the 

outstanding shares of Raymond James Bank, 

FSB, both of St. Petersburg, Florida, to be 

named Raymond James Bank, N.A., upon its 

conversion to a national bank.

RAYMOND JAMES FINANCIAL, 

INC.

Newspaper:

Federal Register:

* 3A1 11/19/2011

11/25/2011

Sterne Agee Group, Inc., Birmingham, Alabama, 

to become a bank holding company by 

acquiring 100 percent of the outstanding shares 

of Sum Financial Corporation and its subsidiary, 

both of Pearson, Georgia.

STERNE AGEE 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

 3048861 UNITED LEGACY BK, WINTER PARK, FLORIDA 06/06/2011 10/06/2011 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 Not available

Blue Grass Bancorporation, Inc., Corning, 

Iowa,to become a bank holding company by 

acquiring 100% of Okey-Vernon First National 

Bank, Corning, Iowa. Blue Grass 

Bancorporation, Inc. to acquire 1st Choice 

Agency, Corning, Iowa, and engage in 

insurance in small towns.

BLUE GRASS 

BANCORPORATION, INC

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Midwest Bank, Itasca, Illinois, to acquire 

certain assets and assume certain liabilities of 

four branches of Old National Bank, Evansville, 

Indiana, and thereby to establish a branch office 

at 2320 S. Route 59, Plainfield, Illinois.

FIRST MIDWEST 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 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 October 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 11/16/2011

11/16/2011

Notice by Billy M. Cary Qualified Terminable 

Interest Property Trust, Huntingdon, 

Tennessee, with Michael E. Cary, Huntingdon, 

Tennessee, and Mark E. Cary, Memphis, 

Tennessee, as trustees, to gain control of 

Carroll Financial Services, Inc., Huntingdon, 

Tennessee.

CARROLL FINANCIAL 

SERVICES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Centennial Bank, Conway, Arkansas, to 11/10/2011

establish a branch facility to be located at 1715 

East Harding Street, Morrilton, Arkansas.

CENTENNIAL BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Macon-Atlanta State Bank, Macon, Missouri, to 

become a member of the Federal Reserve 

System.

MACON-ATLANTA STATE 

BANK

* 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 October 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Bitteroot Holding Company, Lolo, Montana, to 

merge with Ravalli County Bankshares, Inc., 

Hamilton, Montana, and thereby indirectly 

acquire Ravalli County Bank, Hamilton, 

Montana, and, also as a result of the merger, to 

increase its ownership of West One Bank, 

Kalispell, Montana, from 34.92% to 63.73%.

BITTERROOT HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC Not available

Not available

Change in control notice by James E. Gaarder, 

Ossining, New York, to retain 25% or more of 

the shares of Citizens State Bancshares, Inc., 

Lankin, North Dakota, and thereby indirectly 

retain control of Citizens State Bank of Lankin, 

Lankin, North Dakota.

CITIZENS STATE 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by Barbara J. Raymo, 

Worthington, Minnesota, individually, and as 

Co-Trustee of the Gregory R. Raymo Revocable 

Living Trust Agreement, Worthington 

Minnesota, to join the Raymo family group that 

controls 25 percent or more of the shares of 

First Rushmore Bancorporation, Inc., 

Worthington, Minnesota, and thereby indirectly 

gain control of First State Bank Southwest, 

Pipestone, Minnesota.

FIRST RUSHMORE 

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC 11/03/2011

10/26/2011

Notice by Marilyn Senty Ivers, Great Falls, 

Montana, to retain 25 percent or more of the 

shares of Northern Financial Corporation, 

Independence, Wisconsin, and thereby 

indirectly retain control of Independence State 

Bank, Independence, Wisconsin.

NORTHERN FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC 10/25/2011

11/08/2011

Change in Control Notice by Mark E. Davis, St. 

Peter, Minnesota, to acquire 25 percent or more 

of the shares of Riverland Bancorporation, 

Jordan, Minnesota, and thereby indirectly gain 

control of Riverland Bank, Jordan, Minnesota.

RIVERLAND 

BANCORPORATION

* 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 October 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/11/2011

Bon, Inc.; Goering Financial Holding Company 

Partnership, L.P.; and Goering Management 

Company, L.L.C., all of Moundridge, Kansas, to 

acquire 100 percent of the voting shares of 

Home State Bancshares, Inc., McPherson, 

Kansas, parent of Home State Bank & Trust Co., 

McPherson, Kansas.

BON, INC.

Newspaper:

Federal Register:

CIC 10/11/2011

10/10/2011

Notice by Robert Clay Welch, Sugar Creek, 

Missouri, and James Ward Pollard, 

Independence, Missouri, as trustees of the 

Robert E. Oliphant Revocable Trust u/t/a/ dated 

November 10, 2010, to retain control of Country 

Agencies & Investments, Inc., Odessa, 

Missouri, parent of Bank of Odessa, Odessa, 

Missouri, Commercial Bank of Oak Grove, Oak 

Grove, Missouri, and LaMonte Community 

Bank, LaMonte, Missouri.

COUNTRY AGENCIES & 

INVESTMENTS, INC.

Newspaper:

Federal Register:

CIC Not available

10/07/2011

Notice by Teresa N. Pfaff, Lancaster, South 

Carolina, as a member of a group acting in 

concert, to acquire control of First National 

Fairbury Corporation, parent of The First 

National Bank of Fairbury, both in Fairbury, 

Nebraska.

FIRST NATIONAL FAIRBURY 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by David R. Schaefer, Norman, 

Oklahoma; Dennis D. Boren, Oklahoma City, 

Oklahoma; Brent L. Mills, Oklahoma City, 

Oklahoma; Tracy B. Williams, Edmond, 

Oklahoma; Steven T. McDaniel, Norman, 

Oklahoma; John W. Brown, III, Norman, 

Oklahoma; Bassam K. Dina, Jounieh, Mount 

Lebanon, Lebanon; Mehdi Azimi-Bolourian, 

Norman, Oklahoma; Rick G. McKinney, Austin, 

Texas; and Scott H. Richison, Norman, 

Oklahoma; to acquire control of Town & 

Country Bancshares, Inc., parent of Oklahoma 

State Bank, both in Guthrie, Oklahoma.

TOWN & COUNTRY 

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

 491251 CENTRAL BK OF MO, SEDALIA, MISSOURI 07/18/2011 10/20/2011 S Small Bank

 544951 COWBOY ST BK, RANCHESTER, WYOMING 07/25/2011 10/18/2011 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 October 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A1

11/15/2011

11/17/2011

Happy Bancshares, Inc., Canyon, Texas, and 

SBI Acquisition Corp., Amarillo, Texas, to 

acquire 100 percent of Signature Bancshares, 

Inc., Dallas, Texas, and thereby indirectly 

acquire Signature Bank, Dallas, Texas, and for 

SBI Acquisition Corp. to thereby become a bank 

holding company.

HAPPY BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

11/04/2011

SHB Bancorp, Inc., Jonesville, Louisiana, to 

become a bank holding company by acquiring 

100 percent of Southern Heritage Bank, 

Jonesville, Louisiana.

SHB BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

11/14/2011

Notice by Jerry D. Branum of Dallas, Texas, to 

acquire 25 percent or more of the shares and 

thereby control of Wills Point Financial 

Corporation, Wills Point, Texas and indirectly 

Citizens National Bank, Wills Point, Texas.

WILLS POINT FINANCIAL 

CORPORATION

* 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 October 29, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Bank of Hawaii, Honolulu, Hawaii, to establish a 

in-store branch at Safeway Beretania at 1234 

South Beretania Street, Honolulu, Hawaii.

BANK OF HAWAII

Newspaper:

Federal Register:

* 3A3 Not available

10/28/2011

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management Company, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community BanFund -A, L.P., Carpenter 

Community BandFund - CA, L.P., SCJ, Inc., and 

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

existing controlling parties, to acquire additional 

shares of stock in Manhattan Bancorp, and 

thereby indirectly acquire additional voting 

shares of Bank of Manhattan, N.A., both of El 

Segundo, California.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management Company, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community BanFund -A, L.P., Carpenter 

Community BandFund - CA, L.P., SCJ, Inc., and 

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

existing controlling parties, to acquire more than 

24.9% of the voting securities of Pacific 

Mercantile Bancorp, Costa Mesa, California 

through an investment preferred and common 

shares of Pacific Mercantile Bancorp.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

CIC Not available

10/27/2011

Interagency Notice of Change in Control by 

Montlake Capital II, L.P, a limited partnership 

and Montlake Capital II-B, L.P., a limited 

partnership, Seattle, Washington, to acquire 

voting shares of Coastal Financial Corporation, 

and thereby indirectly acquire Coastal 

Community Bank, both of Everett, Washington; 

and 2)Coastal Financial Corporation and Coastal 

Community Bank, both of Everett, Washington 

to appoint Andrew Russell Dale as a Director.

COASTAL FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

11/10/2011

FS Bancorp, Inc.,, Mountlake Terrace, 

Washington, to become a bank holding 

company upon the conversion of 1st Security 

Bank of Washington, Mountlake Terrace, 

Washington, from a state savings bank to a 

commercial bank.

FS BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

10/07/2011

Interagency Notice of Change in Control by 

James Gaines McCullar and Carolyn Jean 

McCullar, both of Soap Lake, Washington, to 

acquire up to 22.44 percent of Riverbank 

Holding Company, and thereby indirectly 

acquire Riverbank, both of Spokane, 

Washington.

RIVERBANK HOLDING 

COMPANY

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act