Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 11 

Week Ending March 14, 2009

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

Forms -- initial Board review to extend without revision the Suspicious Activity 

Report (FR 2230).

- Proposed, March 9, 2009

Monetary and Financial Policy

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

on March 9, 2009.

- Announced, March 9, 2009

Regulations and Policies

American International Group, Inc. -- report to the Congress, required by the 

Emergency Economic Stabilization Act of 2008, on the restructuring of the 

government's financial support to AIG.

- Approved, March 9, 2009

Testimony and Statements

Mortgage Lending Reform -- statement by Sandra F. Braunstein, director, Division of 

Consumer and Community Affairs, before the Subcommittee on Financial 

Institutions and Consumer Credit of the House Committee on Financial Services on 

problems in the subprime mortgage market, regulatory actions to address these 

problems, and potential legislative responses.

- Published, March 11, 2009

Enforcement

East Dubuque Savings Bank, East Dubuque, Illinois -- issuance of a consent order of 

assessment of a civil money penalty.

- Announced, March 9, 2009

H.2 Board Actions March 8, 2009 to March 14, 2009

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

SolutionsBank Corporation, Overland Park, Kansas, and SolutionsBank -- written 

agreement with the Federal Reserve Bank of Kansas City and the Kansas Office of 

the State Bank Commissioner.

- Announced, March 9, 2009

H.2 Board Actions March 8, 2009 to March 14, 2009

(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

March 8, 2009 to March 14, 2009

Bank Branches, Domestic

Capon Valley Bank, Wardensville, West Virginia -- to establish a branch at 5511 

South Main Street, Stephens City, Virginia, and increase its investment in bank 

premises.

Richmond

- Approved, March 12, 2009

Comerica Bank, Dallas, Texas -- to establish a branch at 858 B Street, Hayward, 

California.

Dallas

- Approved, March 13, 2009

Iberiabank, Lafayette, Louisiana -- to establish a branch at 10430 Perkins Road, 

Baton Rouge.

Atlanta

- Approved, March 9, 2009

Bank Holding Companies

Bandera First State Bancshares, Inc., Bandera, Texas -- to become a bank holding 

company and to acquire Bandera First State Bank (a de novo bank), Bandera.

Dallas

- Approved, March 13, 2009

Barlow Banking Corporation, Iowa Falls, Iowa -- to retain the nonbanking activity of 

extending credit and servicing loans.

Chicago

- Approved, March 11, 2009

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

Biscayne Bancshares, Inc., Coconut Grove, Florida -- to become a bank holding 

company and to acquire Biscayne Bank, Coconut Grove.

Atlanta

- Approved, March 13, 2009

Community Bank Investors of America, L.P., Richmond, Virginia, and FA Capital, 

LLC -- to retain and acquire shares of Commonwealth Bankshares, Inc., Norfolk.

Richmond

- Approved, March 9, 2009

Community Bank Investors of America, L.P., Richmond, Virginia, and FA Capital, 

LLC -- to retain and acquire shares of ICB Financial, Ontario, California.

Richmond

- Approved, March 9, 2009

EJ Financial Corporation, Dallas, Texas, and The Combined Master Retirement Trust 

-- relief from a commitment.

Dallas

- Granted, March 13, 2009

Garnavillo Bank Corporation, Garnavillo, Iowa -- to engage de novo in insurance 

agency activities in a town with a population not exceeding 5,000.

Chicago

- Approved, March 13, 2009

H.2 Actions under delegated authority March 8, 2009 to March 14, 2009

(A/C) = Addition or Correction Delegated - 2 of 4
Bank Mergers

Citizens Trust Bank, Atlanta, Georgia -- to purchase certain assets and assume certain 

liabilities of a branch of The Peoples Bank, Lithonia.

Atlanta

- Approved, March 10, 2009

Florida Bank, Tampa, Florida -- to merge with Florida Bank of Jacksonville, 

Jacksonville, and The Bank of Tallahassee, Tallahassee, and thereby establish 

branches.

Atlanta

- Approved, March 13, 2009

Bank Premises

Ohio Valley Financial Group, Inc., Henderson, Kentucky -- to increase its 

investment in bank premises.

St. Louis

- Approved, March 12, 2009

Banks, Foreign

Bank of Communications Co., Ltd., Shanghai, China -- to establish a representative 

office in Los Angeles, California.

New York

- Withdrawn, March 10, 2009

Change in Bank Control

Trans Pacific Bancorp, San Francisco, California -- to retain control of Trans Pacific 

Bancorp and its subsidiary bank, Trans Pacific National Bank, San Francisco.

San Francisco

- Permitted, March 10, 2009

H.2 Actions under delegated authority March 8, 2009 to March 14, 2009

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

First Farmers and Merchants Bank, Columbia, Tennessee -- extension to May 8, 

2009, to establish a branch at 901 Nashville Highway, Columbia.

Atlanta

- Granted, March 12, 2009

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

time to divest or conform an impermissible investment.

Director, BS&R

- Granted, March 12, 2009

VBB Financial Corporation, Richmond, Virginia -- extension to June 12, 2009, to 

become a bank holding company and to acquire Virginia Business Bank, Richmond.

Richmond

- Granted, March 12, 2009

H.2 Actions under delegated authority March 8, 2009 to March 14, 2009

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

Federal Reserve Bank of Boston

Filings received during the week ending March 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

* 3A5

03/19/2009

03/20/2009

Application filed by Middlesex Bancorp, MHC, 

Natick, Massachusetts to become a mutual bank 

holding company through the acquisition of 

100% of the voting shares of Middlesex Savings 

Bank, Natick, Massachusetts, pursuant to 

section 3(a)(1) of the BHC Act and to acquire 

through merger Service Bancorp, MHC, Service 

Bancorp Inc., and Strata Bank, all located in 

Medway, Massachusetts, pursuant to sections 

3(a)(3) and 3(a)(5) of the BHC Act

MIDDLESEX SAVINGS BANK

* 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 March 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Other Foreign Not applicable

Not applicable

Banco Santander International, Miami, Florida, an 

Edge subsidiary of Banco Santander S.A., Madrid, 

Spain, requests approval to amend Section 

Seventh of its Articles of Association to reflect an 

increase in its capital stock pursuant to Section 

211.5(c)(1) of Regulation K.

BANCO SANTANDER 

INTERNATIONAL

Newspaper:

Federal Register:

FBSEA

Not applicable

Bank of Communication Co., Ltd, Shanghai, 04/07/2009

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:

FBSEA Not available

Not applicable

Banque Transatlantique, Paris, France to establish 

a representative office in New York, New York, 

pursuant to Section 211.24(a)(1) of Regulation K.

Banque Transatlantique

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Chemung Canal Trust Company, Elmira, New 

York for approval to merge with the Bank of 

Canton, Canton, Pennsylvania, pursuant to 

Section 18(c) of the Federal Deposit Insurance 

Act.

CHEMUNG CANAL TRUST 

COMPANY

Newspaper:

Federal Register:

* 3A3 Not available

* 3A5 04/10/2009

Chemung Financial Corporation, Elmira, New 

York, to acquire Canton Bancorp, Inc. and its 

wholly-owned subsidiary, the Bank of Canton, 

both of Canton, Pennsylvania, pursuant to 

Sections 3(a)3 and 3(a)5 of the BHC Act and 

Section 225.14 of Regulation Y.

CHEMUNG FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Morgan Stanley, New York, New York, provides 

30 days' prior notice to the Board, pursuant to 

Section 211.9(f) of Regulation K, of their 

intention to make an investment in a United 

Kingdom bank.

MORGAN STANLEY

Newspaper:

Federal Register:

FBSEA

Not applicable

United Overseas Bank Limited, Singapore, to 03/14/2009

establish branches in Los Angeles and New York 

by upgrading its existing agencies, pursuant to 

Section 211.24(a)(1)(i)(A) of Regulation K.

UNITED OVERSEAS BANK 

LIMITED

* 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 March 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Commerce Bank/Harrisburg, Lemoyne, PA, to 

become a member of the Federal Reserve 

System.

COMMERCE 

BANK/HARRISBURG

Newspaper:

Federal Register:

CIC Not available

Not available

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

Newspaper:

Federal Register:

* 3A5 04/10/2009

04/09/2009

Pennsylvania Commerce Bancorp, Inc., 

Harrisburg, PA, to acquire Republic First 

Bancorp, Inc., Philadelphia, PA.

PENNSYLVANIA COMMERCE 

BANCORP, INC.

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending March 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending March 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 04/03/2009

04/06/2009

Premier Financial Bancorp, Inc., Huntington, 

West Virginia, to acquire 100% of the voting 

securities of Abigail Adams National Bancorp, 

Inc., Washington, D.C., and thereby indirectly 

acquire The Adams National Bank, 

Washington, D.C., and Consolidated Bank and 

Trust Company, Richmond, Virginia.

PREMIER FINANCIAL 

BANCORP, 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 March 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 03/29/2009

03/30/2009

RMB Holdings, LLC, along with ATB 

Management, LLC, both of Birmingham, 

Alabama, to acquire up to 30 percent of the 

outstanding shares of Americus Financial 

Services, Inc., and its subsidiary, Red Mountain 

Bank, N.A., both of Birmingham, Alabama.

RMB HOLDINGS, 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 March 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

04/13/2009

Community State Bank Employee Stock 

Ownership Plan and Trust, Union Grove, 

Wisconsin, to acquire an additional 2,796 

shares, or up to 40 percent of the outstanding 

shares of Union Bancorporation, Inc., Union 

Grove, Wisconsin, and thereby indirectly 

increase its control of Community State Bank, 

Union Grove, Wisconsin.

COMMUNITY STATE BANK 

EMPLOYEE STOCK OWNERSHIP 

PLAN AND TRUST

Newspaper:

Federal Register:

* 3A1 Not available

04/03/2009

Grand River Commerce, Inc., Grandville, 

Michigan, to become a bank holding company 

by acquiring 100 percent of the voting shares of 

Grand River Bank (in organization), Grandville, 

Michigan.

GRAND RIVER COMMERCE, INC.

Newspaper:

Federal Register:

* 3A1 04/03/2009

04/03/2009

Iowa River Bancorp, Inc., Tama, Iowa, to 

become a bank holding company by acquiring 

100 percent of Pinnacle Bank, Marshalltown, 

Iowa.

IOWA RIVER BANCORP, INC.

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 March 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Centennial Bank, Conway, Arkansas, to merge 04/12/2009

with Centennial Bank, Little Rock, Arkansas, 

and to retain the acquired facilities as branch 

offices.

CENTENNIAL BANK

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Centennial Bank, Conway, Arkansas, to 04/12/2009

purchase certain assets and assume certain 

deposits and other liabilities of Twin City Bank, 

North Little Rock, Arkansas, and to retain the 

acquired facilities as a branches. Also, Twin 

City Bank to establish a new main office to be 

located at 330 Market Street, #438, Rogers, 

Arkansas.

CENTENNIAL BANK

Newspaper:

Federal Register:

* 3A3

Not available

Farmers & Merchants Bankshares, Inc., 04/01/2009

Stuttgart, Arkansas, to acquire 100 percent of 

Lee County Bancshares, Inc., Marianna, 

Arkansas, and thereby indirectly acquire First 

National Bank at Marianna, Marianna, 

Arkansas.

FARMERS AND MERCHANTS 

BANKSHARES, INC.

Newspaper:

Federal Register:

* 3A1 04/15/2009

04/09/2009

Scott Morgan Bancorp, Inc., Bluffs, Illinois, to 

become a bank holding company by acquiring 

100 percent of Bank of Bluffs, Bluffs, Illinois.

SCOTT MORGAN BANCORP, 

INC.

* 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 March 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

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:

CIC Not available

03/31/2009

Louis A. Welle, Naples, Florida, and Kenneth 

M. Welle and Lori M. Welle, both of Dayton, 

Minnesota, as a group acting in concert, to gain 

control of Community Pride Bank Corporation, 

Ham Lake, Minnesota, and thereby indirectly 

gain control of Community Pride Bank, Isanti, 

Minnesota.

COMMUNITY PRIDE BANK 

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 March 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 03/27/2009

04/03/2009

CB Bancshares, Inc., Topeka, Kansas, to 

become a bank holding company through the 

acquisition of 100 percent of the voting shares 

of Citizens Bank of Weir, Weir, Kansas.

CB BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1

4c8

03/26/2009

03/11/2009

FSB Investments, LLC, Oklahoma City, 

Oklahoma, to become a bank holding company 

through the acquisition of up to 53.89 percent of 

the voting shares of MidWest Community 

Financial Corporation, Midwest City, Oklahoma, 

parent of The First State Bank, Canute, 

Oklahoma. FSB Investments, LLC, Oklahoma 

City, Oklahoma, to acquire 100% of American 

Resource Mortgage, Inc., Midwest City, 

Oklahoma, and thereby engage in the 

origination of mortgage loans.

FSB INVESTMENTS LLC

* 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 March 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas, to establish a 03/17/2009

branch to be located at 10939 Louetta Rd., 

Houston, Texas 77070.

COMERICA BANK

Newspaper:

Federal Register:

* 3A1 Not available

04/03/2009

Jourdanton Bancshares, Inc., Jourdanton, 

Texas, to become a bank holding company by 

acquiring 100 percent of Jourdanton State Bank, 

Jourdanton, Texas.

JOURDANTON BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

National Bank & Trust Employee Stock 

Ownership Plan With 401(k) Provisions, La 

Grange, Texas, to acquire additional shares of 

First La Grange Bancshares, Inc., La Grange, 

Texas, and indirectly acquire National Bank & 

Trust, La Grange, Texas.

NATIONAL BANK & TRUST 

EMPLOYEE STOCK OWNERSHIP 

PLAN WITH 401(K) PROVISIONS

* 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 March 14, 2009

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Alta Alliance Bank, Oakland, California, to 03/21/2009

establish a branch facility located at 601 West 

5th Street, Los Angeles, California.

ALTA ALLIANCE BANK

Newspaper:

Federal Register:

4c8 Not applicable

04/01/2009

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), and mortgage brokerage 

and loan origination activities, pursuant to 

section 225.28(b)(1), both of Regulation Y.

MANHATTAN BANCORP

Newspaper:

Federal Register:

4c8 Not applicable

03/30/2009

NHB Holdings, Inc., and Proficio Mortgage 

Ventures, LLC, both of Jacksonville, Florida, to 

engage de novo in a joint venture with 

SilverLeaf Mortgage, LLC, Salt Lake City, Utah, 

in conducting mortgage banking activities, 

pursuant to section 4(c)(8) of the Bank Holding 

Company Act and section 225.28(b)(1) of 

Regulation Y.

NHB HOLDINGS, 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