Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 36 

Week Ending September 3, 2011

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

Forms -- initial Board review to implement the Capital Assessments and Stress 

Testing information collection (FR Y-14A and FR Y-14Q).

- Proposed, August 31, 2011

Regulations and Policies

Regulation OO (Supervised Securities Holding Companies Registration) -- 

publication for comment of proposed rule outlining the procedures for securities 

holding companies to elect to be supervised by the Federal Reserve, in accordance 

with the Dodd-Frank Act.

- Announced, August 31, 2011

Enforcement

Bank of the Carolinas Corporation, Mocksville, North Carolina -- written agreement 

with the Federal Reserve Bank of Richmond.

- Announced, September 1, 2011

CB Holding Corp., Aledo, Illinois -- written agreement with the Federal Reserve 

Bank of Chicago.

- Announced, August 30, 2011

Community State Bank, Poteau, Oklahoma -- issuance of a consent order of 

assessment of a civil money penalty.

- Announced, September 1, 2011

The Goldman Sachs Group, Inc., New York, New York, and Goldman Sachs Bank 

USA -- issuance of a consent order to address deficient practices in residential 

mortgage loan servicing and foreclosure processing involving its former subsidiary, 

Litton Loan Servicing LP, Houston, Texas.

- Announced, September 1, 2011

H.2 Board Actions August 28, 2011 to September 3, 2011

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

Lindell Bank and Trust Company, St. Louis, Missouri -- issuance of a consent order 

of assessment of a civil money penalty.

- Announced, September 1, 2011

Pacific Commerce Bank, Los Angeles, California -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, September 1, 2011

Whitaker Bank, Lexington, Kentucky -- issuance of a consent order of assessment of 

a civil money penalty.

- Announced, September 1, 2011

H.2 Board Actions August 28, 2011 to September 3, 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

August 28, 2011 to September 3, 2011

Bank Branches, Domestic

Union First Market Bank, Richmond, Virginia -- to establish a branch at Three James 

Center, 1051 East Cary Street, Suite 103, Richmond.

Richmond

- Approved, September 2, 2011

Bank Holding Companies

Cedar Bancorp, Inc., Mt. Vernon, Illinois, and Dix Acquisition Corporation -- waiver 

of application to acquire Dix Bancshares, Inc., Dix, in connection with the merger of 

their respective subsidiary banks, Community First Bank of the Heartland, Mt. 

Vernon, and First State Bank of Dix, Dix.

St. Louis

- Granted, August 29, 2011

Clinton Financial Services, MHC, Clinton, Massachusetts, and Wachusett Financial 

Services, Inc. -- relief from certain commitments.

Director, BS&R

- Granted, August 29, 2011

Customers Bancorp, Inc., Phoenixville, Pennsylvania -- to become a bank holding 

company with respect to Customers Bank, Phoenixville; for Berkshire Bancorp, 

Wyomissing, to merge with and into Customers Bancorp; and for Berkshire Bank, 

Wyomissing, to merge with and into Customers Bank, Phoenixville.

Philadelphia

- Approved, September 2, 2011

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

ES Bancshares, Inc., Newburgh, New York -- to engage de novo through its newly 

formed subsidiary, Empire Lockbox Settlements, Inc., Newburgh, in servicing 

extensions of credit.

New York

- Approved, September 1, 2011

Integrity Bancshares, Inc., Houston, Texas -- to become a bank holding company and 

to acquire Integrity Bank, SSB, Houston.

Dallas

- Withdrawn, September 1, 2011

North American Financial Holdings, Inc., Miami, Florida -- waiver of application to 

acquire Green Bankshares, Inc., Greenville, Tennessee, in connection with the 

merger of their respective subsidiary banks, Capital Bank, N.A., Miami, Florida, and 

GreenBank, Greenville, Tennessee.

Atlanta

- Granted, September 2, 2011

Peoples Bancshares, Inc., Mendenhall, Mississippi -- to become a bank holding 

company and to acquire Peoples Bank, Mendenhall.

Atlanta

- Approved, September 2, 2011

Bank Mergers

Sonabank, McLean, Virginia -- to acquire certain assets and assume certain liabilities 

of the Midlothian branch of Bank of Hampton Roads, Norfolk.

Richmond

- Approved, August 29, 2011

H.2 Actions under delegated authority August 28, 2011 to September 3, 2011

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

Congressional Bancshares, Inc., Bethesda, Maryland -- change in bank control of 

Congressional and its subsidiary bank, Congressional Bank, Potomac.

Richmond

- Permitted, August 30, 2011

Evergreen Bancorporation, Evergreen, Colorado -- to retain control of Evergreen and 

its subsidiary bank, Evergreen National Bank, Evergreen.

Kansas City

- Permitted, August 30, 2011

First Community Bancshares Corp., Anamosa, Iowa -- change in bank control of 

First Community and its subsidiary banks, Citizens Savings Bank, Anamosa, and 

First Community Bank, Milton, Wisconsin.

Chicago

- Permitted, August 29, 2011

Membership

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

System.

St. Louis

- Approved, August 31, 2011

USAmeriBank, Clearwater, Florida -- to become a member of the Federal Reserve 

System.

Atlanta

- Approved, September 2, 2011

H.2 Actions under delegated authority August 28, 2011 to September 3, 2011

(A/C) = Addition or Correction Delegated - 3 of 4
Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on August 9 and of the 

conference call on August 1, 2011.

FOMC

- Published, August 30, 2011

H.2 Actions under delegated authority August 28, 2011 to September 3, 2011

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

Federal Reserve Bank of Boston

Filings received during the week ending September 3, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5

4c8

09/26/2011

Application by Salem Five Bancorp, MHC, 

Salem, Massachusetts, to acquire Stoneham 

Savings Bank, Stoneham, Massachusetts, 

following its reorganization into a mutual 

holding company structure, and to establish 

Stoneham Properties, LLC, pursuant to sections 

3(a)(3), 3(a)(5), 4(c)(8) and 4(j) of the Bank 

Holding Company Act of 1956, as amended.

SALEM FIVE BANCORP

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

State Street Bank and Trust Company and State 

Street International Holdings (SSIH), both of 

Boston, Massachusetts, seek prior notice 

pursuant to Section 211.9(f) of Regulation K to 

acquire and invest in four indirect subsidiaries 

of SSIH, in excess of the aggregate investment 

limits.

STATE STREET BANK AND 

TRUST COMPANY

Newspaper:

Federal Register:

* 3A1 Not available

09/26/2011

Application by Stoneham Bancorp, MHC, 

Stoneham, Massachusetts, to become a mutual 

bank holding company by acquiring Stoneham 

Savings Bank, Stoneham, Massachusetts, 

pursuant to section 3(a)(1) of the Bank Holding 

Company Act of 1956, as amended. The sole 

purpose of the reorganization is to facilitate 

Salem Five Bancorp, MHCs proposed 

acquisition of Stoneham Savings Bank.

STONEHAM BANCORP MHC

* 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 September 3, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire fifty additional shares of 473 

Broadway Holding Corporation and to acquire 

one thousand five hundred additional shares of 

The Adirondack Trust Company, both of 

Saratoga Springs, New York.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

RBC Dexia Investor Services Bank S.A., 

Esch-sur-Alzette, Luxembourg, to establish a 

representative office in New York, New York, 

pursuant to Section 10(a) of the International 

Banking Act, as amended, and Section 211.24(a)

(1) of Regulation K.

RBC DEXIA INVESTOR 

SERVICES BANK S.A.

* 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

 275509 COMMUNITY BK OF BERGEN CTY, MAYWOOD, NEW JERSEY 02/22/2010 08/31/2011 S Small 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 September 3, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Customers Bank, Phoenixville, PA, to establish a 09/15/2011

branch office at 102 South Ridge Street, Rye 

Brook, NY.

CUSTOMERS BANK

Newspaper:

Federal Register:

CIC Not available

09/20/2011

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 Managers 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 Heritage Oakes Bancorp, 

parent of Heritage Bank, both in Paso Robles, 

CA.

PATRIOT FINANCIAL 

PARTNERS LP

Newspaper:

Federal Register:

CIC Not available

09/21/2011

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

Financial Partners, L.P., Patriot Financial 

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

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

Patriot Financial Manager, LLC. and Messrs. Ira 

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

all of Philadelphia, Pennsylvania, to purchase 

up to 24.9 percent of Porter Bancorp, Inc., 

Louisville, KY.

PATRIOT FINANCIAL 

PARTNERS LP

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 September 3, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 09/18/2011

09/23/2011

Edon Bancorp, Inc., Edon, OH to become a bank 

holding company by acquiring 100% of the 

voting shares of the Edon State Bank Company 

of Edon, Edon, OH, pursuant to section 3(a)(1)

EDON BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, Ohio notice of 09/07/2011

intent to establish a bank branch at 6651 Lake 

Worth Road, Lake Worth, Florida 33467

FIFTH THIRD BANK

* 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 September 3, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 802174 ANSON B&TC, WADESBORO, NORTH CAROLINA 05/09/2011 08/17/2011 S Small Bank

 590220 BANK OF STANLY, ALBEMARLE, NORTH CAROLINA 05/09/2011 08/18/2011 S Int Sm Bank

 2471239 CFG CMNTY BK, TOWSON, MARYLAND 05/16/2011 08/17/2011 S Small Bank

 292524 FOUR OAKS B&TC, FOUR OAKS, NORTH CAROLINA 04/25/2011 08/04/2011 S Large Bank

 3419416 JOHN MARSHALL BK, FALLS CHURCH, VIRGINIA 04/25/2011 08/03/2011 S Small Bank

 1494240 RBC BK USA, RALEIGH, NORTH CAROLINA 06/21/2010 08/08/2011 S Large Bank

 2303086 VALLEY BK, ROANOKE, VIRGINIA 05/02/2011 08/18/2011 S Int Sm Bank

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 September 3, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco CAM, S.A.U., Alicante, Spain, to 

establish an international branch office located 

in Miami, Florida.

BANCO CAM, S.A.U.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Bankia, S.A., Valencia, Spain, to establish an 

international branch in Miami, Florida.

BANKIA, S.A.

Newspaper:

Federal Register:

* 3A1

* 4c8

4c8

09/10/2011

09/19/2011

BankUnited, Inc., Miami Lakes, Florida, to 

perform the following (1) become a bank holding 

company by acquiring 100 percent of the 

outstanding shares of Herald National Bank, 

New York, New York; (2) retain BankUnited, a 

federal savings association, and thereby 

continue engaging in operating a savings 

association, and (3) retain BankUnited 

Investment Services, Inc., and thereby continue 

engaging in serving as investment adviser.

BANKUNITED, INC.

Newspaper:

Federal Register:

4c8 Not applicable

09/16/2011

Blue Ridge Holdings, Inc., Atlanta, Georgia, to 

acquire 100 percent of the outstanding shares of 

SAGE Southeastern Securities, Inc., Atlanta, 

Georgia, and thereby engage in investment 

advisory activities.

BLUE RIDGE HOLDINGS, INC.

Newspaper:

Federal Register:

CIC Not available

09/14/2011

Prior change in control notice filed by Luis 

Enrique Cobo and Ana A. Cobo, individually, 

and Terry Mark Jones and April Jones, 

individually, all of Key West, Florida, to acquire 

an additional 48.708 shares of the outstanding 

common stock of First State Bank of the Florida 

Keys Holding, and its subsidiary, First State 

Bank of the Florida Keys, both of Key West, 

Florida. Total pro forma ownership for each 

couple will be 12.75 percent.

FIRST STATE BANK OF THE 

FLORIDA KEYS HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC Not available

09/16/2011

After-the-fact change in control notice filed by 

Richard A. Dykes, Danville, Georgia; Jerry Van 

Dykes, Cochran, Georgia; and the Everett Dykes 

Estate to retain 37.3 percent of the outstanding 

voting shares of Four County Bancshares, Inc., 

and its subsidiary, Four County Bank, both of 

Allentown, Georgia.

FOUR COUNTY BANCSHARES, 

INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 3, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/19/2011

ATBancorp, Dubuque, Iowa, to acquire up to 

100 percent of the outstanding voting shares of 

United American Bank, San Mateo, California.

ATBANCORP

Newspaper:

Federal Register:

* 3A3 Not available

09/12/2011

C-B-G, Inc., West Liberty, Iowa, to acquire up to 

50.01 percent, in Washington Bancorp, 

Washington, Iowa, and thereby increase it's 

indirect interest in Washington Bancorp's 

subsidiary, Federation Bank, Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

CIC 09/15/2011

08/01/2011

Notice by Paul L. Martin and Pamela J. Martin, 

Bradenton, Florida, to gain control of Evans 

Bancshares, Inc., Evansdale, Iowa, and thereby 

indirectly control First Security State Bank, 

Evansdale, Iowa. Paul and Pamela Martin will 

collectively increase their ownership from 9.63 

percent to 12.43 percent with the purchase of 

2000 shares.

EVANS BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

09/21/2011

Oostburg Bancorp, Inc., Oostburg, Wisconsin, 

proposes to establish OSC Consulting Services, 

LLC, Oostburg, Wisconsin, to provide 

compliance services to its subsidiary bank and 

two unaffiliated banks, and thereby engage in 

the nonbanking activity of management 

consulting and counseling activities.

OOSTBURG BANCORP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending September 3, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/24/2011

08/11/2011

Notices by (1) the Henry C. Kirschner Trust B1, 

the Henry C. Kirschner Trust A2, David E. 

Kirschner and Margaret

Kirschner, individually and as co-trustees of the 

Henry C. Kirschner Trust B1 and the Henry C. 

Kirschner Trust A2, the David E. Kirschner 

Declaration of Trust and David E. Kirschner as 

trustee, the Margaret Kirschner Declaration of 

Trust and Margaret Kirschner as trustee, The 

Noble 

Foundation, Philip and Cheryl Kirschner, 

Khajha Kirschner, Pamela Kirschner Bolduc, the 

Mary C. Kirschner 2007 Trust, and David E. 

Kirschner as trustee of the Mary C. Kirschner 

2007 Trust, to retain, as a group acting in 

concert, over 25 percent of the voting shares of 

Town and Country Financial Corporation, 

Springfield, Illinois, and thereby indirectly retain 

control of Town and Country Bank, Springfield, 

Illinois, and Logan County Bank, Lincoln, 

Illinois;(2) Margaret Kirschner, individually and 

as trustee and co-trustee of various trusts, to 

retain over 25% of the voting shares of Town 

and Country Financial Corporation, Springfield, 

Illinois, and thereby indirectly retain control 

of Town and Country Bank, Springfield, Illinois, 

and Logan County Bank, Lincoln, Illinois; and 

3) David E. Kirschner, individually and as 

trustee and co-trustee of various trusts, to 

retain over 25% of the voting shares of Town 

and Country Financial Corporation, Springfield, 

Illinois, and thereby indirectly retain control of 

Town and Country Bank, Springfield, Illinois, 

and Logan County Bank, Lincoln, Illinois.

TOWN AND COUNTRY 

FINANCIAL CORPORATION

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Waukon State Bank, Waukon, Iowa, to merge 09/02/2011

with Viking State Bank and Trust, Decorah, 

Iowa. As a result of the merger, Waukon State 

Bank, will establish a branch office at 321 W 

Water Street, Decorah, Iowa and 1801 Old Stage 

Road, Decorah, Iowa.

WAUKON STATE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Wheaton Bank & Trust Company, Wheaton, 09/09/2011

Illinois, to establish a branch facility to be 

located at 5 South Washington Street, 

Naperville, Illinois.

WHEATON BANK & TRUST 

COMPANY

* 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

 595430 STATE BK THE LAKES, ANTIOCH, ILLINOIS 07/19/2010 08/25/2011 S Large Bank

 2298995 VILLAGE B&TC, ARLINGTON HEIGHTS, ILLINOIS 11/15/2010 08/25/2011 S Large Bank

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 September 3, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 September 3, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Central Bancshares Inc., Golden Valley, 

Minnesota, to engage, de novo, in extending 

credit and servicing loans.

CENTRAL BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 08/26/2011

09/13/2011

Retroactive change in control notice by Paul K. 

Steen, Edina, Minnesota, and James R. Steen, 

Fargo, North Dakota, to each retain 25% or more 

of the shares of Clinton Bancshares, Inc., 

Clinton, Minnesota, and thereby indirectly 

retain control of Clinton State Bank, Clinton, 

Minnesota.

CLINTON BANCSHARES, INC.

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

First Montana Bank, Libby, Montana, to 

increase its investment in bank premises.

FIRST MONTANA BANK, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Merchants State Bank, Freeman, South Dakota, 09/09/2011

to establish a de novo branch in Irene, South 

Dakota.

MERCHANTS STATE BANK

* 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

 21359 AMERICAN ST BK OF GRYGLA, GRYGLA, MINNESOTA 05/10/2011 08/17/2011 S Small Bank

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 September 3, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/16/2011

American State Bancshares, Inc., Great Bend, 

Kansas, to acquire 100 percent of the voting 

shares of Rose Hill Bancorp, Inc., parent of 

Rose Hill Bank, both in Rose Hill, Kansas.

AMERICAN STATE 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 09/18/2011

09/16/2011

Notice submitted by the John A. Hohlen and 

Lynn A. Hohlen, Juniata, Nebraska; Mark J. 

Keiser and Peggy O. Keiser, Juniata, Nebraska; 

Gaylin R. Prior and Mary L. Prior, Hastings, 

Nebraska; and Dennis R. Utter and Kathryn C. 

Utter, Hastings, Nebraska; as members of a 

group acting in concert, to acquire control of 

First Kenesaw Company, parent of Adams 

County Bank, both in Kensaw, Nebraska.

FIRST KENESAW COMPANY

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Mabrey Bancorporation, Inc., Okmulgee, 

Oklahoma, to engage indirectly in mortgage 

lending activities, through the acquisition of a 

16.33 percent interest in Century Home 

Mortgage of Oklahoma, LLC, Tulsa, Oklahoma 

(to be known as Oklahoma Mortgage Lenders), 

a series of The Lending Partners, Ltd., Plano, 

Texas, by Citizens Security Bank & Trust 

Company, Bixby, Oklahoma.

MABREY BANCORPORATION, 

INC.

Newspaper:

Federal Register:

CIC Not available

09/20/2011

Notification by Gregory J. Weed, Cheyenne 

Wells, Colorado, to acquire control of Weed 

Investment Group, Inc., parent of The Eastern 

Colorado Bank, both in Cheyenne Wells, 

Colorado.

WEED INVESTMENT GROUP, 

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

 704559 METCALF BK, LEES SUMMIT, MISSOURI 05/16/2011 08/30/2011 S Large Bank

 95659 MORRIS ST BK, MORRIS, OKLAHOMA 05/02/2011 08/04/2011 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 September 3, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/24/2011

James Philip O'Jibway, Bellville, Texas, 

individually; and James Phillip O'Jibway, Kay 

Holmes O'Jibway, Justin Glenn Brandt, and Jill 

O'Jibway Brandt, all of Bellville, Texas; Jeffrey 

Philip O'Jibway, Joseph Austin O'Jibway, and 

Toby Don O'Jibway, all of Austin, Texas; Jay 

William O'Jibway of Fort Worth, Texas; and 

William Beckham Holmes Jr. and Glenda 

Gabbard Holmes of Boulder, Colorado, 

(collectively known as the "O'Jibway Family 

Group") to retain control of 10 percent or more 

of the shares of, and thereby control of Austin 

County Bancshares, Inc., and indirectly Austin 

County State Bank, both of Bellville, Texas.

AUSTIN COUNTY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Comerica Bank, Dallas, Texas, to establish a 

branch at 1560 W. Magnolia Avenue, Fort 

Worth, Texas 76104.

COMERICA BANK

Newspaper:

Federal Register:

* 3A1 Not available

09/26/2011

DirecTex Holding Corp., Tyler, Texas, to become 

a bank holding company by acquiring more than 

25 percent but less than 50 percent of 

Gladewater National Bank, Gladewater, Texas.

DIRECTEX HOLDING CORP.

Newspaper:

Federal Register:

CIC Not available

09/21/2011

Notice by Carl W. Ellis, Imperial Beach, 

California, individually; and (i) Carl W. Ellis; 

Linda Ellis McGarraugh, Perryton, Texas; and 

Benjamin Drew Ellis, II, Perryton, Texas as a 

group acting in concert; and (ii) Timothy 

Rodgers Ellis, Big Spring, Texas; Kenneth Ellis, 

Austin, Texas; and Donald Smith Ellis, Amarillo, 

Texas, as a group acting in concert (together, 

the "Notificants") to acquire 10 percent or more 

of the shares and thereby control of 

FirstPerryton Bancorp, Inc., Perryton, Texas, 

and indirectly control FirstBank Southwest, 

Amarillo, Texas.

FIRSTPERRYTON BANCORP, 

INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

United Bank of El Paso Del Norte, El Paso, 

Texas, to establish a branch to be located at 401 

E. Main Street, El Paso, Texas, 79901.

UNITED BANK OF EL PASO DEL 

NORTE

* 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 September 3, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 08/17/2011

09/02/2011

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management Company, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community Bancfund-A, L.P., CCFW, Inc., SCJ, 

Inc., and CCI One Acquisition Corporation, all 

of Irvine, California, to acquire 100 percent of 

the voting securities of Santa Lucia Bancorp 

and thereby indirectly acquire a greater 

controlling interest in Santa Lucia Bank, both of 

Atascadero, California.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Santa Lucia Bank, Atascadero, California, to 

merge with and into Mission Community Bank, 

San Luis Obispo, California.

MISSION COMMUNITY BANK

Newspaper:

Federal Register:

* 3A5 Not available

Not available

Nara Bancorp, Inc. to acquire Center Financial 

Corporation, both of Los Angeles, California.

NARA BANCORP, INC.

* 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