Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 15 

Week Ending April 11, 2009

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

Term Auction Facility -- TAF auction in the amount of $150 billion in 28-day credit 

on April 6, 2009.

- Announced, April 6, 2009

Enforcement

Community Bankshares, Inc., Greenwood Village, Colorado, and Community Banks 

of Colorado -- written agreement with the Federal Reserve Bank of Kansas City and 

the Colorado Division of Banking.

- Announced, April 6, 2009

Michigan Heritage Bank, Farmington Hills, Michigan -- issuance of a consent 

prompt corrective action directive against the bank.

- Announced, April 7, 2009

San Joaquin Bancorp, Bakersfield, California, and San Joaquin Bank -- written 

agreement with the Federal Reserve Bank of San Francisco and the California Office 

of Financial Institutions.

- Announced, April 9, 2009

United Security Bancshares, Inc., Woodstock, Georgia -- written agreement with the 

Federal Reserve Bank of Atlanta and the Banking Commissioner of the State of 

Georgia.

- Announced, April 6, 2009

Venture Financial Group, Inc., Dupont, Washington -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, April 7, 2009

H.2 Board Actions April 5, 2009 to April 11, 2009

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

April 5, 2009 to April 11, 2009

Bank Branches, Domestic

Alta Alliance Bank, Oakland, California -- to establish a branch at 601 West 5th 

Street, Los Angeles.

San Francisco

- Withdrawn, April 9, 2009

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 4400 West Markham 

Street, Little Rock.

St. Louis

- Approved, April 6, 2009

Bank Holding Companies

Armed Forces Benefit Association, Alexandria, Virginia; AFBA Investment Trust; 

and 5Star Financial, LLC -- to become bank holding companies on conversion of 

5Star Bank, Colorado Springs, Colorado, to a state-chartered commercial bank, and 

election to become financial holding companies.

Richmond

- Approved, April 7, 2009

The Bridger Company, Bridger, Montana -- relief from a commitment.

Minneapolis

- Granted, April 6, 2009

Campello Bancorp, Brockton, Massachusetts -- relief from a commitment.

Boston

- Withdrawn, April 8, 2009

(A/C) = Addition or Correction Delegated - 1 of 5
Bank Holding Companies

FSB Investments, LLC, Oklahoma City, Oklahoma -- to become a bank holding 

company and to acquire shares of MidWest Community Financial Corporation, 

Midwest City, and its subsidiary bank, The First State Bank, Canute; and to acquire 

American Resource Mortgage, Inc., Midwest City, and thereby engage in mortgage 

loan origination.

Kansas City

- Approved, April 9, 2009

The Goldman Sachs Group, Inc., New York, New York -- request for an exception to 

the Board's risk-based capital guidelines that would lower the risk weight for 

Regulation T margin loans.

Director, BS&R

- Granted, April 10, 2009

Grand River Commerce, Inc., Grandville, Michigan -- to become a bank holding 

company and to acquire Grand River Bank (in organization), Grandville.

Chicago

- Approved, April 10, 2009

Investors Bancorp, MHC, Short Hills, New Jersey, and Investors Bancorp, Inc. -- to 

acquire American Bancorp of New Jersey, Bloomfield, and American Bank of New 

Jersey.

New York

- Approved, April 10, 2009

Jourdanton Bancshares, Inc., Jourdanton, Texas -- to become a bank holding 

company and to acquire Jourdanton State Bank, Jourdanton.

Dallas

- Approved, April 8, 2009

H.2 Actions under delegated authority April 5, 2009 to April 11, 2009

(A/C) = Addition or Correction Delegated - 2 of 5
Bank Holding Companies

Morgan Stanley, New York, New York -- request for an exception to the Board's 

risk-based capital guidelines that would lower the risk weight for Regulation T 

margin loans.

Director, BS&R

- Granted, April 10, 2009

NHB Holdings, Inc., Jacksonville, Florida, and Proficio Mortgage Ventures, LLC -- 

to engage de novo in a joint venture with SilverLeaf Mortgage, LLC, Salt Lake City, 

Utah, in conducting mortgage banking activities.

San Francisco

- Approved, April 8, 2009

RMB Holdings, LLC, Birmingham, Alabama, and ATB Management, LLC -- to 

acquire shares of Americus Financial Services, Inc., Birmingham, and its subsidiary 

bank, Red Mountain Bank.

Atlanta

- Approved, April 8, 2009

Change in Bank Control

Claiborne Holding Company, Inc., Tazewell, Tennessee -- change in bank control of 

Claiborne and its subsidiary bank, First Century Bank, Tazewell.

Atlanta

- Permitted, April 7, 2009

Williston Holding Company, Williston, Florida -- change in bank control of 

Williston and its subsidiary bank, Perkins State Bank, Williston.

Atlanta

- Permitted, April 10, 2009

H.2 Actions under delegated authority April 5, 2009 to April 11, 2009

(A/C) = Addition or Correction Delegated - 3 of 5
Extensions of Time

HomeTown Bankshares Corporation, Roanoke, Virginia -- extension to July 7, 2009, 

to become a bank holding company and to acquire HomeTown Bank, Roanoke.

Richmond

- Granted, April 7, 2009

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- extension of 

time and relief from certain divestiture commitments in connection with the 

acquisition of National City Corporation, Cleveland, Ohio.

Director, BS&R

- Granted, April 7, 2009

Standard Chartered Bank, London, England -- extension to May 12, 2009, to engage 

de novo through its subsidiary, Standard Chartered Securities (North America) Inc., 

New York, New York, in financial and investment advisory activities, agency 

transactional services, and investment transactions as principal.

New York

- Granted, April 9, 2009

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, April 8, 2009

Membership

Alliance Bank of Arizona, Phoenix, Arizona -- to become a member of the Federal 

Reserve System.

San Francisco

- Withdrawn, April 9, 2009

H.2 Actions under delegated authority April 5, 2009 to April 11, 2009

(A/C) = Addition or Correction Delegated - 4 of 5
Membership

First Independent Bank of Nevada, Reno, Nevada -- to become a member of the 

Federal Reserve System.

San Francisco

- Withdrawn, April 9, 2009

Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on March 17 and 18, 

2009, and of the conference call on February 7, 2009.

FOMC

- Published, April 8, 2009

H.2 Actions under delegated authority April 5, 2009 to April 11, 2009

(A/C) = Addition or Correction Delegated - 5 of 5
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending April 11, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5

* 3A1

05/01/2009

Application by Connecticut Mutual Holding 

Company, Winsted, Connecticut, to acquire 

through merger Collinsville Savings Mutual 

Holding Company, Collinsville Stock Holding 

Company, and Collinsville Savings Society, all 

located in Collinsville, Connecticut, pursuant to 

sections 3(a)(3) and 3(a)(5) of the BHC Act. In 

connection with the above application, 

Collinsville Savings Mutual Holding Company, 

Collinsville, Connecticut will incorporate a 

wholly-owned subsidiary, a stock bank holding 

company, called Collinsville Stock Holding 

Company, Collinsville, Connecticut pursuant to 

sections 3(a)(1) and 3(a)(3) of the BHC Act.

CONNECTICUT MUTUAL 

HOLDING COMPANY

* 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 April 11, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

Bank of Communication Co., Ltd., Shanghai, 03/09/2009

China, to establish a branch office in San 

Francisco, California, pursuant to Section 211.24 

of Regulation K.

BANK OF COMMUNICATIONS 

CO., LTD.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A., Las Vegas, Nevada and Citibank 

Overseas Investment Corporation, New Castle, 

Delaware, pursuant to Section 211.9(f) of 

Regulation K, to make an additional investment 

in Citicorp Finanziaria S.p.A., Milan, Italy.

CITIBANK, N.A.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citigroup, Inc., New York, New York, pursuant 

to Section 211.9(f) of Regulation K to make an 

indirect investment in Bank Morgan Stanley 

AG, Zurich, Switzerland.

CITIGROUP INC.

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Morgan Stanley, New York, New York, pursuant 

to Section 211.9(f) of Regulation K to make an 

indirect investment in Bank Morgan Stanley 

AG, Zurich, Switzerland.

MORGAN STANLEY

* 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 April 11, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/03/2009

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

Financial Partners, L.P., Patriot Financial 

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

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

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

James J. Lynch, all of Philadelphia, 

Pennsylvania, to purchase up to 14.9 percent of 

Guaranty Bancorp, parent of Guaranty Bank and 

Trust Company, both in Denver, Colorado, 

through the acquisition of voting shares.

Patriot Financial Partners

* 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 April 11, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change in Bank Control by Timothy J. 

Fisher, Elizabeth M. Fisher, Linda M. Bertok, 

Dorothy O. Johnson, Aubrey W. Yackee, and 

Russelll E. Yackee to retain control of GenBanc, 

Inc., Genoa, Ohio

GENBANC, INC.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 April 11, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Bank of Hampton Roads, Norfolk, Virginia, to 04/27/2009

merge with Gateway Bank & Trust Co., Elizabeth 

City, North Carolina.

BANK OF HAMPTON ROADS

Newspaper:

Federal Register:

* 3A1 Not available

4c8 05/08/2009

MidCap Financial Holdings, LLC, Bethesda, 

Maryland, and MidCap Bank Holdings, Inc., 

Bethesda, Maryland, to become bank holding 

companies through the acqusition of 100% of 

the voting securities of ISN Bank, Cherry Hill, 

New Jersey.

MIDCAP FINANCIAL 

HOLDINGS, LLC

Newspaper:

Federal Register:

CIC 04/28/2009

04/21/2009

David L. Sokol Revocable Trust/trustee Mr. 

David L. Sokol, Omaha, Nebraska, to control 

14.6% of Middleburg Financial Corporation, 

Middleburg, Virginia.

MIDDLEBURG FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

04/17/2009

Randolph Bancshares, Inc., Asheboro, North 

Carolina, to become a bank holding company 

through the acquisition of 100% of the voting 

securities of Randolph Bank & Trust Company, 

Asheboro, North Carolina.

Randolph Bancshares, 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 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 April 11, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Four County Bancshares, Inc., Allentown, 

Georgia, to acquire 16.66 percent of the voting 

shares of Ingleside Financial Group, LLC, 

Macon, Georgia, and thereby engage in 

financial and investment advisory activities.

FOUR COUNTY BANCSHARES, 

INC.

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Nashville Bank & Trust Company, Nashville, 

Tennessee, to become a member of the Federal 

Reserve System.

NASHVILLE BANK AND TRUST 

COMPANY

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

NBT Holdings Inc., notice to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of Nashville Bank and 

Trust Company, both of Nashville, Tennessee.

NBT Holdings Inc.

Newspaper:

Federal Register:

* Branch

Not applicable

SmartBank, Pigeon Forge, Tennessee, to 04/17/2009

establish a branch located at 7827 Montvue 

Center Way, Knoxville, Tennessee.

SMARTBANK

Newspaper:

Federal Register:

* Branch

Not applicable

SunTrust Bank, Atlanta, Georgia, to establish a 04/23/2009

branch located at 3126 Fincher Farm Road, 

Matthews, North Carolina, to be known as the 

McKee Farms Office.

SUNTRUST BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending April 11, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Bank Iowa, Oskaloosa, Iowa, to purchase the 

assets and assume the liabilities of the Newton, 

Iowa branch of Bank Iowa, Altoona, Iowa, and 

to establish a branch facility at 215 West 2nd 

Street North, Newton, Iowa.

BANK IOWA

Newspaper:

Federal Register:

CIC Not available

04/14/2009

Notice by David E. Carpenter, Iowa City, Iowa; 

and Nancy A. Leahy, individually and as part of 

the Leahy Family (Nancy A. Leahy, Timothy J. 

Leahy, Brian J. Leahy, and Evan G. Leahy, all of 

Idaho Falls, Idaho) for permission to control 25 

percent or more of the shares of C-B-G, Inc., and 

thereby indirectly control Community Bank, 

Muscatine, Iowa; Washington Bancorp, 

Washington, Iowa; and Federation Bank, 

Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

* 3A1 Not available

04/27/2009

Community First Financial Corporation, 

Kokomo, Indiana, to become a bank holding 

company by acquiring 100 percent of the voting 

shares of Community First Bank of Howard 

County, Kokomo, Indiana.

COMMUNITY FIRST 

FINANCIAL CORPORATION

Newspaper:

Federal Register:

CIC 04/17/2009

04/24/2009

Notice by Bruce J. Essex, Whitehall, Michigan, 

Yvonne M. Essex, Whitehall, Michigan, and 

Bruce J. Essex, Jr., North Muskegon, Michigan, 

to retain 10 percent or more of the voting shares 

of Community Shores Bank Corporation, 

Muskegon, Michigan, and thereby indirectly 

retain control of Community Shores Bank, 

Muskegon, Michigan.

COMMUNITY SHORES BANK 

CORPORATION

Newspaper:

Federal Register:

* 3A3 04/03/2009

04/14/2009

Minier Financial,Inc. Employee Stock 

Ownership Plan with 401(k) Provisions, Minier, 

Illinois, to increase its ownership of Minier 

Financial, Inc., Minier, Illinois, from 29 percent 

to up to 51 percent, and thereby increase its 

indirect ownership of First Farmers State Bank, 

Minier, Illinois.

MINIER FINANCIAL, INC. 

EMPLOYEE STOCK OWNERSHIP 

PLAN W/401(K) PROVISIONS

Newspaper:

Federal Register:

* 3A1 Not available

04/10/2009

OSB Financial Corporation, Brooklyn, Michigan, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

OSB Community Bank, Brooklyn, Michigan.

OSB FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

03/24/2009

Notice by Robert C. Fick, Davenport, Iowa, for 

permission to acquire an additional 5 percent, 

for an aggregate ownership of 16 percent of 

River Valley Bancorp, Inc., Davenport, Iowa, 

and thereby indirectly Valley Bank, Moline, 

Illinois; Freedom Bank, Sterling, Illinois; and 

Valley Bank, Fort Lauderdale, Florida.

RIVER VALLEY 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 April 11, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/30/2009

04/24/2009

Notice by Mr. Terry R. Fuller, Mr. Jerry W. 

Fuller, Ms. Mary S. Fuller, and the estate of Ray 

C. Fuller (co-executors are Mr. Terry R. Fuller, 

Mr. Jerry W. Fuller, and Ms. Cheryl F. Heuer), 

all of Poplar Grove, Arkansas, as a group acting 

in concert, to gain control of Helena 

Bancshares, Inc., Helena, Arkansas.

HELENA BANCSHARES, INC.

Newspaper:

Federal Register:

CIC

Not available

Notice by Monte M. Doing, Springfield, 04/23/2009

Missouri, individually, and in concert with Glen 

Garrett, Purdy, Missouri; Ozark Heritage 

Financial Group, Inc., Springfield, Missouri; 

Rocky R. Levell, Naples, Florida; John E. 

Sherwood, Miromar Lakes, Florida; Jerry Scott 

Whisman, Monett, Missouri; Dennis K. Marlin, 

Springfield, Missouri; and Kenneth A. Schwab, 

Springfield, Missouri, to gain control of OakStar 

Bancshares, Inc., Springfield, Missouri.

OAKSTAR BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Southern Bancorp Bank of Arkansas, 04/30/2009

Arkadelphia, Arkansas, to merge with 

Timberland Bank, El Dorado, Arkansas, and to 

retain the acquired facilities as branch offices.

SOUTHERN BANCORP BANK OF 

ARKANSAS

* 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 April 11, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 04/08/2009

04/10/2009

Beartooth Financial Corporation, Billings, 

Montana to become a bank holding company 

by acquiring 100 percent of Beartooth Bank, 

Billings, Montana.

BEARTOOTH FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

04/27/2009

Mackinac Financial Corporation, Manistique, 

Michigan, proposes to acquire 10% of Clarkston 

Capital Partners, LLC, Troy, Michigan, and 

thereby indirectly engage in financial and 

investment advisory activities, pursuant to 

section 225.28(b)(6) of Regulation Y.

MACKINAC FINANCIAL 

CORPORATION

* 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 April 11, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 05/01/2009

05/01/2009

Jonah Bankshares, Casper, Wyoming, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Jonah Bank, Casper, Wyoming.

JONAH BANKSHARES

Newspaper:

Federal Register:

CIC Not available

04/16/2009

Notice submitted by Martin C. Bicknell, 

Bucyrus, Kansas, to acquire control of 

University National Bancshares, Inc., parent of 

University National Bank, both in Pittsburg, 

Kansas.

UNIVERSITY NATIONAL 

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

NONE

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 April 11, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Mr. Patrick W. Hopper (as trustee of 

the PWH Trust UTD 3/2/94) of Henderson, 

Nevada, to increase his ownership and control, 

from 9.4 percent to 15.2 percent, of Professional 

Capital, Inc., Dallas, Texas, and indirectly, 

Professional Bank, National Association, Dallas, 

Texas.

PROFESSIONAL CAPITAL, INC.

Newspaper:

Federal Register:

* 3A3 Not available

04/27/2009

Texas Independent Bancshares, Inc., Texas 

City, Texas, to acquire 51 percent of Houston 

Business Bank, Houston, Texas (de novo).

TEXAS INDEPENDENT 

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 April 11, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Community Bank of Nevada, Las Vegas, 

Nevada, to merge with Community Bank of 

Arizona, Phoenix, Arizona.

COMMUNITY BANK OF 

NEVADA

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Manhattan Bancorp, El Segundo, California, and 

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund, L.P., Carpenter Community 

Bancfund-A, L.P., Carpenter Community 

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

all of Irvine, California, to form a new 

wholly-owned subsidiary, MB Financial 

Services, Inc., El Segundo, California, which will 

enter into a de novo joint venture with Bodi 

Advisors, Inc., El Segundo, California, by 

acquiring approximately 70 percent of the voting 

shares of Bodi Capital LLC, and thereby engage 

in riskless principal transactions, pursuant to 

section 225.28(b)(7)(ii), and mortgage brokerage 

and loan origination activities, pursuant to 

section 225.28(b)(6), both of Regulation Y.

MANHATTAN BANCORP

* 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