Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 3 

Week Ending January 16, 2010

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

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

on January 11, 2010.

- Announced, January 11, 2010

Enforcement

American Bank of Baxter Springs, Baxter Springs, Kansas -- written agreement with 

the Federal Reserve Bank of Kansas City.

- Announced, January 12, 2010

Barnes Banking Company, Kaysville, Utah -- issuance of a prompt corrective action 

directive with the consent of the bank.

- Announced, January 11, 2010

Old Southern Bank, Orlando, Florida -- issuance of a prompt corrective action 

directive with the consent of the bank.

- Announced, January 14, 2010

The ShoreBank Corporation, Chicago, Illinois -- written agreement with the Federal 

Reserve Bank of Chicago.

- Announced, January 12, 2010

H.2 Board Actions January 10, 2010 to January 16, 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

OSDM Office of Staff Director for Management

January 10, 2010 to January 16, 2010

Bank Branches, Domestic

Goldman Sachs Bank USA, New York, New York -- to establish a branch at 

200 West Street, New York.

New York

- Approved, January 14, 2010

Bank Holding Companies

Apollo Bancshares, Inc., Coral Gables, Florida -- to become a bank holding company 

and to acquire shares of Union Credit Bank, Miami.

Atlanta

- Approved, January 11, 2010

BB&T Corporation, Winston-Salem, North Carolina -- modification of the 

divestiture plan to divest real estate acquired in a previous merger.

Richmond

- Withdrawn, January 15, 2010

CapGen Capital Group II LP, New York, New York; CapGen Capital Group II LLC; 

CapGen Capital Group III LP; and CapGen Capital Group III LLC -- requests for 

exemptions under the Depository Institution Management Interlocks Act and 

Regulation L.

General Counsel

- Granted, January 13, 2010

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

Community First Bancorporation, Walhalla, South Carolina -- to engage de novo in 

lending and lending-related activities.

Richmond

- Approved, January 14, 2010

First State Bank Southwest 2002 Amended and Restated KSOP Plan and Trust, 

Worthington, Minnesota -- to acquire shares of First Rushmore Bancorporation, Inc., 

Worthington, and thereby acquire First State Bank Southwest, Pipestone.

Minneapolis

- Approved, January 14, 2010

Union Bankshares Corporation, Bowling Green, Virginia -- to acquire First Market 

Bank, FSB, Richmond, through a wholly owned interim bank, d/b/a First Market 

Bank after merging with the target, and thereby establish branches.

Richmond

- Approved, January 14, 2010

Bank Mergers

FMB-UBSH Interim Bank (d/b/a First Market Bank), Bowling Green, Virginia -- to 

merge with Union Bank and Trust Company, Bowling Green, and thereby establish 

branches.

Richmond

- Approved, January 14, 2010

TIB The Independent BankersBank, Irving, Texas -- to merge with IBB, Springfield, 

Illinois.

Dallas

- Approved, January 13, 2010

H.2 Actions under delegated authority January 10, 2010 to January 16, 2010

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

Citizens Bankshares of Springhill, Inc., Springhill, Louisiana -- change in bank 

control of Citizens and its subsidiary bank, Citizens Bank & Trust Company, 

Springhill.

Dallas

- Withdrawn, January 14, 2010

Michigan Community Bancorp, Ltd., Sterling Heights, Michigan -- to retain control 

of Michigan and its subsidiary bank, Lakeside Community Bank, Sterling Heights.

Chicago

- Permitted, January 15, 2010

Riverside Central Florida Banking Company, Winter Park, Florida -- change in bank 

control of Riverside and its subsidiary bank, Riverside Bank of Central Florida, 

Winter Park.

Atlanta

- Permitted, January 15, 2010

Extensions of Time

National Bank & Trust Employee Stock Ownership Plan With 401(k) Provisions, 

La Grange, Texas -- extension to April 17, 2010, to acquire additional shares of First 

La Grange Bancshares, Inc., La Grange, and thereby acquire National Bank & Trust.

Dallas

- Granted, January 15, 2010

Wells Fargo & Company, San Francisco, California -- extensions of time and relief 

from certain divestiture commitments in connection with the acquisition of Wachovia 

Corporation, Charlotte, North Carolina.

Director, BS&R

- Granted, January 14, 2010

H.2 Actions under delegated authority January 10, 2010 to January 16, 2010

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

FMB-UBSH Interim Bank, Bowling Green, Virginia -- to become a member of the 

Federal Reserve System, d/b/a First Market Bank.

Richmond

- Approved, January 14, 2010

H.2 Actions under delegated authority January 10, 2010 to January 16, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending January 16, 2010

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 January 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8

* 3A3

Not available

First Niagara Financial Group, Inc., Buffalo, New 

York ("FNFG"), to become a bank holding 

company by acquiring Harleysville National 

Corporation and Harleysville National Bank and 

Trust Company, both of Harleysville, 

Pennsylvania. FNFG to retain First Niagara 

Bank, Buffalo, New York ("FNB"), and thereby 

operate a savings association. FNFG to retain 

FNB upon conversion of FNB to a national 

bank, pursuant to Section 3(a)(3) of the BHC 

Act.

FIRST NIAGARA FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Investors Bancorp, MHC and Investors 

Bancorp, Inc., both of Short Hills, New Jersey, 

providing notice pursuant to Section 4(c)(8) of 

the BHC Act and Section 225.23 of Regulation 

Y, to retain ASB Investment Corp, and 

American Savings Investment Corp., both of 

Short Hills, New Jersey and thereby engage in 

certain non-banking activities.

INVESTORS BANCORP, MHC

* 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 January 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 16, 2010

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 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 January 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caja de Ahorros y Monte de Piedad de Navarra, 

Pamplona (Navarra), Spain, to establish a 

representative office in Washington, D.C.

Caja de Ahorros y Monte de 

Piedad de Navarra

* 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 January 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/13/2010

Prior change in control notice filed by Kirk 

Doskocil to acquire 50.1 percent of the 

outstanding shares of Bonifay Holding 

Company, Inc., and its subsidiary, Bank of 

Bonifay, both of Bonifay, Florida. Total pro 

forma ownership will equal 50.1 percent.

BONIFAY HOLDING COMPANY, 

INC.

Newspaper:

Federal Register:

* 4c8 Not available

01/27/2010

Florida Shores Bancorp, Inc., Smith Associates 

Bank Fund Management LLC, and Smith 

Associates Florida Banking Fund LLC, all of 

Pompano Beach, Florida, to collectively acquire 

at least 60 percent of the outstanding shares of 

Coastal Bancorporation, Inc. and its subsidiary, 

Coastal Bank, both of Merritt Island, Florida, 

and thereby engage in operating a savings 

association, pursuant to section 4(c)(8) of the 

Bank Holding Company Act and section 

225.28(b)(4)(ii) of Regulation Y.

FLORIDA SHORES BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

* 3A3 01/29/2010

Florida Shores Shamrock, Inc., Naples, Florida, 

to become a bank holding company by 

acquiring at least 60 percent of the outstanding 

shares of Shamrock Bank of Florida, Naples, 

Florida, to be known as Florida Shores 

Bank-Gulf Coast; and Florida Shores Bancorp, 

Inc., along with Smith Associates Bank Fund 

Management LLC, and Smith Associates Florida 

Banking Fund LLC, all of Pompano Beach, 

Florida, to collectively acquire at least 60 

percent of the outstanding shares of Florida 

Shores Shamrock, Inc., Naples, Florida, and its 

subsidiary, Shamrock Bank of Florida, Naples, 

Florida, to be known as Florida Shores 

Bank-Gulf Coast.

FLORIDA SHORES SHAMROCK, 

INC.

Newspaper:

Federal Register:

CIC Not available

02/04/2010

Prior change in control notice filed by William 

Hall Losner, Homestead, Florida, to acquire 

13.32 percent of the outstanding shares of 

Hometown of Homestead Banking Company, 

and its subsidiary, 1st National Bank of South 

Florida, both of Homestead, Florida. Total pro 

forma ownership will equal 30.49 percent.

HOMETOWN OF HOMESTEAD 

BANKING COMPANY

Newspaper:

Federal Register:

CIC Not available

Not available

Prior change in control notice filed by Richard 

T. Alger, the Richard T. Alger Revocable Trust, 

Richard T. Alger, trustee, and the Mason W. 

Alger and Dorothy Turner Alger Irrevocable 

Trust for Thomas M. Alger, Richard T. Alger, 

trustee, to acquire 13 percent of the outstanding 

shares of Hometown of Homestead Banking 

Company, and its subsidiary, 1st National Bank 

of South Florida, both of Homestead, Florida. 

Total pro forma ownership will equal 29.76 

percent.

HOMETOWN OF HOMESTEAD 

BANKING COMPANY

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

Federal Reserve Bank of Atlanta

Filings received during the week ending January 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

State Bank Financial Corporation, Atlanta, 

Georgia, to become a bank holding company by 

acquiring 100 percent of the outstanding shares 

of State Bank and Trust Company, Macon 

(Pinehurst), Georgia.

STATE BANK FINANCIAL 

CORPORATION

* 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

 697633 COMPASS BK, BIRMINGHAM, ALABAMA 07/07/2008 01/08/2010 S Large 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 January 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 01/17/2010

01/24/2010

Notice by James J. Banks, Chicago, Illinois, to 

retain 10 percent or more, and to acquire 

additional shares of Belmont Financial Group, 

Inc., Chicago, Illinois, and thereby indirectly 

retain control of Belmont Bank & Trust 

Company, Chicago, Illinois.

BELMONT FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

CIC Not available

02/02/2010

Notice by Moross Limited Partnership, Grosse 

Pointe Park, Michigan, together with Riddle 

Limited Partnership, Howell, Michigan, to retain 

control of FNBH Bancorp, Inc., Howell, 

Michigan, and thereby indirectly retain shares 

of First National Bank in Howell, Howell, 

Michgan. Moross is controlled by Pacesetter 

Management, Inc., Howell, Michigan, and 

Pacesetter is wholly owned and controlled by 

Stanley B. Dickson, Jr.. Riddle Limited 

Partnership is controlled by Kathryn J. Dickson, 

Howell, Michigan.

FNBH BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

01/27/2010

Notice by John E. Helgerson, Ottumwa, Iowa, to 

acquire additional shares of Hedrick Bancorp, 

Inc., Hedrick, Iowa, and thereby indirectly 

Hedrick Savings Bank, Ottumwa, Iowa.

HEDRICK 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 January 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Bank of Ohio County, Dundee, Kentucky, to 

become a member of the Federal Reserve 

System.

BANK OF OHIO COUNTY, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Farmers Bank & Capital Trust Company, 02/17/2010

Frankfort, Kentucky, to merge with 

Lawrenceburg Bank & Trust Company, 

Lawrenceburg, Kentucky, and to retain the 

acquired facilities as branch offices.

FARMERS BANK & CAPITAL 

TRUST COMPANY

* 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

 177751 CASS COMMERCIAL BK, BRIDGETON, MISSOURI 09/08/2009 12/29/2009 S Int Sm Bank

 773247 MIDLAND ST BK, EFFINGHAM, ILLINOIS 08/17/2009 12/24/2009 S Int Sm Bank

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 January 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

The Citizens State Bank of Choteau, Choteau, 01/15/2010

Montana to merge with The First National Bank 

of Fairfield, Fairfield, Montana, and incident 

thereto, establish branches at 201 North Main, 

Choteau, Montana, and 390 Post Avenue, 

Vaughn, Montana.

CITIZENS STATE BANK OF 

CHOTEAU, MONTANA, THE

Newspaper:

Federal Register:

* 3A5 Not available

01/22/2010

Drayton Bancor, Inc., Drayton, North Dakota, to 

merge with Walsh County Bancorporation, Inc., 

Drayton, North Dakota

DRAYTON BANCOR, INC.

Newspaper:

Federal Register:

* 3A1 Not available

02/12/2010

Lake Central Financial, Inc., Annandale, 

Minnesota, to become a bank holding company 

by acquiring 100 percent of Annandale State 

Bank, Annandale, Minnesota.

LAKE CENTRAL FINANCIAL, 

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 January 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Bank of Commerce, Chanute, Kansas, to merge 

with First State Bank of Thayer, Thayer, 

Kansas, and incident thereto to establish a 

branch, and to operate under the title of Bank of 

Commerce, Chanute, Kansas.

BANK OF COMMERCE

Newspaper:

Federal Register:

* 3A1 02/05/2010

02/03/2010

Colorow Investment Corp, Greenwood Village, 

Colorado, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of TBHC, Inc., Englewood, 

Colorado, parent of Centennial Bank, 

Centennial, Colorado.

COLOROW INVESTMENT CORP

Newspaper:

Federal Register:

* 3A1 Not available

02/05/2010

First National Management Group, LLC, 

Greenwood Village, Colorado, to become a bank 

holding company through the acquisition of at 

least 93 percent of the voting shares of Amoret 

Bancshares, Inc., parent of BC National Banks, 

both in Butler, Missouri.

FIRST NATIONAL 

MANAGEMENT GROUP, LLC

Newspaper:

Federal Register:

* 3A1 01/15/2010

01/14/2010

GFP Financial Services Company, Tulsa, 

Oklahoma, to become a bank holding company 

through the acquisition of 65.04 percent of the 

voting shares of First Pryor Bancorp, Inc., 

parent of First Pryority Bank, both in Pryor, 

Oklahoma.

GFP FINANCIAL SERVICES 

COMPANY

* 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

 154257 CENTENNIAL BK, CENTENNIAL, COLORADO 10/13/2009 01/08/2010 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 January 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/04/2010

Notice by Mr. A. C. Schwethelm, Comfort, 

Texas, to apply to the Federal Reserve Board for 

permission to retain 10% or more of the shares, 

and acquire additional shares, and thereby 

control of Paint Rock Bancshares, Inc. and 

indirectly control its subsidiary, First State 

Bank, both of Paint Rock, Texas.

PAINT ROCK BANCSHARES, 

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 January 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 10/16/2009

02/05/2010

BW Acquisition, LLC, and Teach and Save, LLC 

(as a controlling owner of BW Acquisition, 

LLC), both of Fountain Green, Utah, to become 

a bank holding company by acquiring 57.7 

percent of Utah Community Bancorp and 

thereby indirectly acquire Utah Community 

Bank, both of Sandy, Utah.

BW ACQUISITION, LLC

Newspaper:

Federal Register:

* 3A3 Not available

01/29/2010

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund, L.P., Carpenter Community 

Bancfund-A, LP, Carpenter Community 

Bancfund-CA, L.P., SCJ, Inc., and CCFW, Inc., 

all of Irvine, California, to acquire up to 87 

percent of the outstanding voting shares of 

Mission Community Bancorp and thereby 

indirectly acquire a greater controlling interest 

in Mission Community Bank, both of San Luis 

Obispo, California; and 2) Mission Community 

Bancorp and Mission Community Bank, both of 

San Luis Obispo, California, to appoint Stephen 

P. Yost as a director of both Bancorp and Bank.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Franklin Resources, Inc., San Mateo, California, 

to acquire 9.9 percent of the voting shares of 

Bond Street Holdings, LLC, New York, New 

York, pursuant to section 3(a)(3) of the Bank 

Holding Company Act.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Franklin Resources, Inc., San Mateo, California, 

to acquire 9.9 percent of the voting shares of 

First Southern Bancorp, Inc., Boca Raton, 

Florida, pursuant to section 3(a)(3) of the Bank 

Holding Company Act.

FRANKLIN RESOURCES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

12/07/2009

Golden Pacific Bancorp, Inc., Sacramento, 

California, to become a Bank Holding Company 

by acquiring 100 percent of the voting stock of 

Gold Country Financial Services, Inc., and 

indirectly its subsidiary, Gold Country 

Bank,National Association, both of Marysville, 

California.

GOLDEN PACIFIC BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 02/16/2010

Grandpoint Capital, Inc., Los Angeles, 

California, to become a Bank Holding Company 

by acquiring 100 percent of the voting shares of 

Santa Ana Business Bank, Santa Ana, 

California, and 2)to engage de novo through its 

wholly-owned subsidiary, Grandpoint Capital 

Advisors, Inc., Los Angeles, California, in 

financial advisory activities to businesses and 

individuals, pursuant to section 225.28(b)(6) and 

in private placement of debt and equity 

securities activities, pursuant to section 

225.28(b)(7)(iii) of Regulation Y.

GRANDPOINT CAPITAL, INC.

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

Federal Reserve Bank of San Francisco

Filings received during the week ending January 16, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Land Bank of Taiwan Co., Ltd., Taipei, Taiwan, 

to establish a New York branch office pursuant 

to section 211.24(a)(2)(i)(A) of Regulation K.

LAND BANK OF TAIWAN

* 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