Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 27 

Week Ending July 3, 2010

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

Premier Commerce Bancorp, Inc., Palos Hills, Illinois -- to become a bank holding 

company and to acquire G.R. Bancorp, Ltd., Grand Ridge, and its subsidiary bank, 

The First National Bank of Grand Ridge.

- Approved, July 1, 2010

Forms

Forms -- initial Board review to extend without revision the Recordkeeping and 

Disclosure Requirements Associated with Securities Transactions Pursuant to 

Regulation H (Reg H-3).

- Proposed, June 30, 2010

Forms -- final Board review to extend without revision the interagency Transfer 

Agent Registration and Amendment Form (TA-1).

- Approved, July 1, 2010

Enforcement

BNB Financial Services Corporation, New York, New York -- written agreement 

with the Federal Reserve Bank of New York.

- Announced, June 28, 2010

Cecil Bancorp, Inc., Elkton, Maryland, and Cecil Bank -- written agreement with the 

Federal Reserve Bank of Richmond and the State of Maryland Commissioner of 

Financial Regulation.

- Announced, July 2, 2010

Citizens Bancshares Co., Chillicothe, Missouri -- written agreement with the Federal 

Reserve Bank of Kansas City.

- Announced, June 29, 2010

H.2 Board Actions June 27, 2010 to July 3, 2010

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

Greensburg Bancshares, Inc., Greensburg, Louisiana -- written agreement with the 

Federal Reserve Bank of Atlanta and the Louisiana Office of Financial Institutions.

- Announced, July 1, 2010

NBN Corporation, Newport, Tennessee -- written agreement with the Federal 

Reserve Bank of Atlanta.

- Announced, July 1, 2010

OptimumBank Holdings, Inc., Fort Lauderdale, Florida -- written agreement with the 

Federal Reserve Bank of Atlanta.

- Announced, June 29, 2010

Smithtown Bancorp, Inc., Hauppauge, New York -- written agreement with the 

Federal Reserve Bank of New York.

- Announced, June 28, 2010

H.2 Board Actions June 27, 2010 to July 3, 2010

(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 Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

June 27, 2010 to July 3, 2010

Bank Branches, Domestic

Isabella Bank, Mount Pleasant, Michigan -- to establish a branch at 2222 North 

Saginaw Road, Midland.

Chicago

- Approved, June 28, 2010

Bank Holding Companies

3MV Bancorp, Inc., Omaha, Nebraska -- relief from a commitment.

Kansas City

- Approved, June 29, 2010

American Community Bancorp Inc., Glen Cove, New York -- to become a bank 

holding company and to acquire American Community Bank, Glen Cove.

New York

- Approved, June 28, 2010

Mission Community Bancorp, San Luis Obispo, California; Carpenter Fund Manager 

GP, LLC, Irvine; 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. -- to form a wholly owned subsidiary, 

Mission Asset Management, Inc., San Luis Obispo, and thereby engage in extending 

credit and servicing loans.

San Francisco

- Approved, June 30, 2010

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

Morgan Stanley, New York, New York -- to retain Morgan Stanley Private Bank, 

N.A., Purchase, New York, on conversion of Morgan Stanley Trust, Jersey City, 

New Jersey, to a national charter.

New York

- Approved, June 30, 2010

Urban National Holding Corp., New York, New York -- to become a bank holding 

company and to acquire Metropolitan Bank Holding Corp., New York, and indirectly 

acquire Metropolitan National Bank.

New York

- Withdrawn, July 1, 2010

Bank Mergers

Centennial Bank, Conway, Arkansas -- to purchase the assets and assume the deposit 

liabilities of Peninsula Bank, Englewood, Florida, and to retain the acquired facilities 

as branches.

St. Louis

- Withdrawn, June 29, 2010

Central State Bank, Elkader, Iowa -- to merge with Corridor State Bank, Coralville, 

and thereby establish branches at 2530 Corridor Way and 202 North Linn Street, 

Iowa City.

Chicago

- Approved, June 30, 2010

H.2 Actions under delegated authority June 27, 2010 to July 3, 2010

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

United Security Bank, Fresno, California -- to increase its investment in bank 

premises.

San Francisco

- Returned, June 30, 2010

Banks, Foreign

BNP Paribas, Paris, France -- waiver of the remainder of notification period to 

establish a branch in New York, New York.

Director, BS&R

- Granted, July 2, 2010

Fortis Bank SA/NV, Brussels, Belgium -- to operate a temporary branch pursuant to 

Regulation K.

Director, BS&R

- Approved, July 2, 2010

National Agricultural Cooperative Federation, Seoul, Korea -- to establish a 

representative office in New York, New York.

Director, BS&R

- Approved, June 29, 2010

Banks, State Member

East West Bank, Pasadena, California -- to make certain public welfare investments.

Secretary

- Approved, June 30, 2010

H.2 Actions under delegated authority June 27, 2010 to July 3, 2010

(A/C) = Addition or Correction Delegated - 3 of 5
Banks, State Member

SunTrust Bank, Atlanta, Georgia -- to make certain public welfare investments.

Secretary

- Approved, July 1, 2010

Change in Bank Control

Chino Commercial Bancorp, Chino, California -- to retain control of Chino and its 

subsidiary bank, Chino Commercial Bank, National Association, Chino.

Secretary

- Permitted, June 29, 2010

Green Bancorp, Inc., Houston, Texas -- change in bank control of Green Bancorp and 

its subsidiary bank, Green Bank, National Association, Houston (three notices).

Dallas

- Permitted, June 29, 2010

Lake Shore Wisconsin Corporation, Kohler, Wisconsin -- change in bank control of 

Lake Shore and its subsidiary bank, Hiawatha National Bank, Hager City.

Minneapolis

- Permitted, July 1, 2010

Syringa Bancorp, Boise, Idaho -- to retain control of Syringa Bancorp and its 

subsidiary bank, Syringa Bank, Boise.

San Francisco

- Permitted, July 1, 2010

H.2 Actions under delegated authority June 27, 2010 to July 3, 2010

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

Stockgrowers State Bank Employee Stock Ownership Plan, Ashland, Kansas -- 

extension to October 7, 2010, to acquire shares of Stockgrowers Banc Corporation, 

Ashland, and its subsidiary banks, Stockgrowers State Bank of Ashland, and Peoples 

Bank, Coldwater.

Kansas City

- Granted, July 1, 2010

International Operations

The Bank of New York Mellon, New York, New York -- waiver of the remainder of 

the prior-notification period to make an additional investment in The Bank of New 

York Mellon S.A./N.V., Brussels, Belgium.

Director, BS&R

- Granted, July 1, 2010

H.2 Actions under delegated authority June 27, 2010 to July 3, 2010

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

Federal Reserve Bank of Boston

Filings received during the week ending July 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Application by First City Fund Corporation and 

First Community Bancorp, Inc., both of New 

Haven, Connecticut, to become a bank holding 

company and stock bank holding company, 

respectively, by acquiring Start Community 

Bank, New Haven, Connecticut, pursuant to 

section 3(a)(1) of the Bank Holding Company 

Act of 1956, as amended.

First Community Bancorp, Inc.

* 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 July 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco do Brasil S.A., Brasilia, Brazil, to 

establish an additional branch at 600 Fifth 

Avenue and later relocate to 11 West 42nd 

Street, both of New York, New York, pursuant to 

Section 211.24(a)(2)(i)(A) of Regulation K.

BANCO DO BRASIL S.A.

Newspaper:

Federal Register:

* 3A3 Not available

07/26/2010

Woori Finance Holdings Co., Ltd, Seoul, Korea, 

to acquire at least 51 percent of the voting 

shares of Hanmi Financial Corp., Los Angeles, 

California, and thereby indirectly acquire Hanmi 

Bank ("Hanmi"), Los Angeles, California, 

pursuant to Section 3(a)(3) of the BHC Act of 

1956, as amended, and Section 225.15 of 

Regulation Y.

WOORI FINANCE HOLDINGS 

CO., LTD.

* 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 July 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

07/20/2010

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 19.2 percent of 

Palmetto Bancshares, Inc., Greenville, SC.

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

 3616309 MONUMENT BK, DOYLESTOWN, PENNSYLVANIA 11/23/2009 06/21/2010 S Small Bank

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 July 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 07/22/2010

07/19/2010

Standard Financial Corp., Murrysville, 

Pennsylvania, to become a bank holding 

company through the acquisition of 100% of the 

voting shares of Standard Bank, PaSB, 

Murrysville, Pennsylvania

Standard Financial Corp.

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 July 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

07/30/2010

First American Financial Management 

Company, Salisbury, North Carolina, to become 

a bank holding company through the 

acquisition of 51% of the voting securities of 

Community Bank of Rowan, Salisbury, North 

Carolina.

FIRST AMERICAN FINANCIAL 

MANAGEMENT COMPANY

Newspaper:

Federal Register:

* 3A1 08/02/2010

07/30/2010

First National Financial Group, Inc., Shelby, 

North Carolina, to become a bank holding 

company through the acquisition of 100% of the 

voting shares of First National Bank of Shelby, 

Shelby, North Carolina.

FIRST NATIONAL FINANCIAL 

GROUP, INC.

Newspaper:

Federal Register:

CIC Not available

07/20/2010

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 19.2 percent of 

Palmetto Bancshares, Inc., Greenville, SC.

PALMETTO BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

Not applicable

Union First Market Bank, Richmond, Virginia, to 08/04/2010

merge with The Rappahannock National Bank, 

Washington, Virginia.

UNION FIRST MARKET BANK

Newspaper:

Federal Register:

* 18C

Not applicable

Union First Market Bank, Richmond, Virginia, to 08/04/2010

merge with Northern Neck State Bank, Warsaw, 

Virginia.

UNION FIRST MARKET BANK

* 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

 517423 CONSOLIDATED B&TC, RICHMOND, VIRGINIA 03/08/2010 06/10/2010 S Small Bank

 976226 FAUQUIER BK, WARRENTON, VIRGINIA 03/01/2010 06/01/2010 S Large Bank

 899428 FIRST BK, STRASBURG, VIRGINIA 02/16/2010 05/20/2010 S Int Sm Bank

 708333 FIRST PEOPLES BK INC, MULLENS, WEST VIRGINIA 03/01/2010 06/02/2010 S Small 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 July 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

BancTenn Corp., Kingsport Tennessee, to 07/13/2010

acquire up to 20 percent of the outstanding 

shares of Paragon Commercial Corporation, and 

its subsidiary, Paragon Commercial Bank, both 

of Raleigh, North Carolina.

BANCTENN CORP.

Newspaper:

Federal Register:

CIC 07/19/2010

07/20/2010

After-the-fact change in control notice filed by 

Anthony Jennings Roy, III, to retain 26.57 

percent of the outstanding shares of Mansura 

Bancshares, Inc., Mansura, Louisiana, and its 

subsidiary, The Cottonport Bank, Cottonport, 

Louisiana

MANSURA 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

 675332 SUNTRUST BK, ATLANTA, GEORGIA 05/07/2007 06/22/2010 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 July 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Harbor Bancorp, Inc., Edenton, North Carolina, 

to become a bank holding company by 

acquiring 100 percent of the voting shares of 

West Town Savings Bank, Cicero, Illinois.

HARBOR BANCORP, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Spring Capital, Chicago, Illinois, to become a 

bank holding company by acquiring Shelf 

Charter Bank, Chicago, Illinois.

Spring Capital

Newspaper:

Federal Register:

CIC 06/14/2010

07/16/2010

Notice by Keith E. Busse, Fort Wayne, Indiana, 

as an individual, Keith E. Busse, Busse Family 

Investment Company, LLC, and Aaron T. 

Busse, as group acting in concert, to acquire 10 

percent or more of the voting shares of Tower 

Financial Corporation, Fort Wayne, Indiana, and 

thereby indirectly acquire Tower Bank & Trust 

Company, Fort Wayne, Indiana.

TOWER FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC 06/14/2010

07/16/2010

Notice by John V. Tippmann, Sr., Fort Wayne, 

Indiana, as an individual, and John V. 

Tippmann, Sr., John McCarthy and Helen 

McCarthy, Richard Ley and Sally Ley, John 

Tippmann, Jr., Patrick Tippmann, and Brian 

Backstrom and Jennifer Backstrom, as a group 

acting in concert, to acquire 10 percent or more 

of the voting shares of Tower Financial 

Corporation, Fort Wayne, Indiana, and thereby 

indirectly acquire Tower Bank & Trust 

Company, Fort Wayne, Indiana.

TOWER FINANCIAL 

CORPORATION

* 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 July 3, 2010

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

 134848 TEUTOPOLIS ST BK, TEUTOPOLIS, ILLINOIS 02/22/2010 06/11/2010 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 July 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Dairyland Bank Holding Corporation, La Crosse, 

Wisconsin, proposes to engage, de novo, in 

lending activities.

DAIRYLAND BANK HOLDING 

CORPORATION

Newspaper:

Federal Register:

CIC 07/15/2010

07/16/2010

Change in Control Notice by Paul Bennett 

Lewis, Mendota Heights, Minnesota, to gain 

control of Fidelity Holding Company, 

Minnetonka, Minnesota, and thereby gain 

control of Fidelity Bank, Edina, Minnesota.

FIDELITY HOLDING COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 07/22/2010

First Holding Company of Park River, Inc., Park 

River, North Dakota, to acquire 100% of First 

Sharon Holding Company, Inc., Aneta, North 

Dakota, and thereby indirectly acquire First 

State Bank of Sharon, Sharon, North Dakota, 

and Sheyenne Bancorp, Inc., Park River, North 

Dakota, to become a bank holding company by 

acquiring 100 percent of First Sharon Holding 

Company, Inc., Aneta, North Dakota, and 

thereby indirectly acquire First State Bank of 

Sharon, Sharon, North Dakota.

FIRST HOLDING COMPANY OF 

PARK RIVER, INC

Newspaper:

Federal Register:

CIC Not available

07/16/2010

Change in Control Notice by Margaret Morton, 

Eden Prairie, Minnesota, to acquire and retain 

control of Vision Bancshares, Inc., Saint Louis 

Park, Minnesota, and thereby indirectly acquire 

and retain control of Vision Bank, Saint Louis 

Park, Minnesota.

VISION BANCSHARES, 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

 456157 PEOPLES BK WI, HAYWARD, WISCONSIN 01/25/2010 06/24/2010 O Int Sm Bank

 445852 WESTERN BK OF WOLF POINT, WOLF POINT, MONTANA 03/02/2010 06/23/2010 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 July 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/12/2010

07/20/2010

Notification submitted by The Bannister 

Bancshares Irrevocable Trust dated May 21, 

2010, and Peter J. Fiene, as Trustee, both of 

Overland Park, Kansas, to acquire control of 

Bannister Bancshares Inc., Kansas City, 

Missouri, parent of Union Bank, Kansas City, 

Missouri.

BANNISTER BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 07/25/2010

07/22/2010

FRB Investments, Inc., Denver, Colorado, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Omega Capital Corp., Centennial, Colorado, 

parent of Front Range Bank, Lakewood, 

Colorado.

FRB INVESTMENTS, INC.

Newspaper:

Federal Register:

4c8 Not applicable

07/20/2010

Sturm Financial Group, Inc., proposes to engage 

in lending activities through Northern Lights, 

LLC, both in Denver, Colorado.

STURM FINANCIAL 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

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 July 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

A.N.B. Holding Company, Ltd., Terrell, Texas, to 

acquire additional shares up to 32% of The 

ANB Corporation, Terrell, Texas, and indirectly 

acquire The American National Bank of Texas, 

Terrell, Texas; Lakeside Bancshares, Inc., 

Rockwall, Texas; and Lakeside National Bank, 

Rockwall, Texas.

A.N.B. HOLDING COMPANY, 

LTD.

Newspaper:

Federal Register:

CIC Not available

07/09/2010

Notice by Richard Earl Williams, Jr., Cameron, 

Texas, individually and as Trustee of the 

Richard E. Williams Exempt Trust; Debora 

Evans, Belton, Texas, individually and as 

Trustee of the Debora Evans Exempt Trust; 

Richard Earl Williams, Jr. and Debora Evans as 

co-Trustees of (i) the Williams Family Exempt 

Trust, (ii) the Victoria Grace Williams Special 

Trust, (iii) the Thomas Joseph Evans 2002 Trust 

and (iv) the Elizabeth Ashton Williams 2002 

Trust, all of Cameron, Texas; and Richard E. 

Williams, Jr., Debora Evans and the above 

named trusts, collectively ("the "Williams 

Family Group"), to apply to the Federal Reserve 

Board for permission to retain 10% or more of 

the shares, and thereby control of Cameron 

Financial Corporation and indirectly control its 

subsidiary, Classic Bank, N.A., both of 

Cameron, Texas.

CAMERON FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

06/24/2010

Notice by Thomas L. Rees, Colorado City, 

Texas, to apply to the Federal Reserve Board for 

permission to retain 10% or more of the shares, 

and thereby control of City National 

Bancshares, Inc., and indirectly control its 

subsidiary, The City National Bank of Colorado 

City, both of Colorado City, Texas.

CITY NATIONAL BANCSHARES, 

INC.

Newspaper:

Federal Register:

4c8 Not applicable

07/16/2010

Post-notice by First Texas BHC, Inc., Fort 

Worth, Texas, to engage de novo in lending and 

servicing activities through SWB Recovery, 

Inc., Fort Worth, Texas, pursuant to Section 4(c)

(8) of the Bank Holding Company Act and 

Section 225.28(b)(1) of Regulation Y.

FIRST TEXAS BHC, 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 July 3, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

AltaPacific Bancorp to become a bank holding 

company by acquiring 100 percent of 

AltaPacific Bank, both of Santa Rosa, California.

AltaPacific Bancorp

Newspaper:

Federal Register:

* 3A1 Not available

Not available

Anchor Bancorp, Inc., Lacey, Washington, to 

become a bank holding company by acquiring 

100 percent of Anchor Mutual Savings Bank, 

Aberdeen, Washington, upon conversion from 

a mutual savings bank to a stock savings bank.

ANCHOR BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

07/19/2010

Community Bancshares, Inc., Joseph, Oregon, 

to acquire at least 100 percent of BEO Bancorp 

and thereby its subsidiary bank, Bank of 

Eastern Oregon, both of Heppner, Oregon.

COMMUNITY BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

07/21/2010

Yvonne LeMaitre, Woodland, California, 

co-trustee of the Bolton Family Trust, to retain 

25 percent or more of Merchants Holding 

Company and thereby control Merchants 

National Bank of Sacramento, both of 

Sacramento, California.

MERCHANTS HOLDING 

COMPANY

Newspaper:

Federal Register:

CIC Not available

07/22/2010

John Kim Chuy Ng, San Juan, Philiippines, to 

acquire 27.78 percent of Oceanic Holding (BVI) 

Limited, Tortola, British Virgin Islands, and 

thereby indirectly acquire control of Oceanic 

Bank Holdings, Inc., and Oceanic Bank, both of 

San Francisco, California.

OCEANIC HOLDING (BVI) 

LIMITED

Newspaper:

Federal Register:

* 3A1 Not available

04/08/2010

One Main Street, LLC, and One Main Street 

Management, LLC, both of New York, New 

York, to become bank holding companies by 

acquiring 100 percent of Liberty Bank, Inc., Salt 

Lake City, Utah.

ONE MAIN STREET, LLC

Newspaper:

Federal Register:

* 3A1 Not available

04/27/2010

SKBHC Holdings, LLC, Corona del Mar, 

California, to become a bank holding company 

by acquiring 100 percent of Starbuck 

Bancshares, Inc. and thereby indirectly the First 

National Bank of Starbuck, both of Starbuck, 

Minnesota.

SKBHC HOLDINGS, LLC

* 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

 1158832 PACIFIC ST BK, STOCKTON, CALIFORNIA 10/05/2009 06/28/2010 NI Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act