Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 43 

Week Ending October 22, 2011

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

Westpac Banking Corporation, Sydney, Australia -- to engage in certain nonbanking 

activities in the United States through the acquisition of JOHCM (USA) General 

Partner Inc., Wilmington, Delaware, and its foreign parent company, J O Hambro 

Capital Management Limited, London, England.

- Approved, October 18, 2011

Change in Bank Control

First Region Bancshares, Inc., Richlands, Virginia -- to retain control of First Region 

and its subsidiary bank, First Sentinel Bank, Richlands.

- Permitted, October 14, 2011

(A/C)

Enforcement

Community Banks of Colorado, Greenwood Village, Colorado -- appointment of the 

Federal Deposit Insurance Corporation as receiver for the bank.

- Announced, October 21, 2011

Porter Bancorp, Inc., Louisville, Kentucky -- written agreement with the Federal 

Reserve Bank of St. Louis.

- Announced, October 18, 2011

H.2 Board Actions October 16, 2011 to October 22, 2011

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSD Office of Staff Director

October 16, 2011 to October 22, 2011

Bank Branches, Domestic

Regions Bank, Birmingham, Alabama -- to establish a branch at 1180 West Peachtree 

Street, NE, Atlanta, Georgia.

Atlanta

- Approved, October 19, 2011

Bank Holding Companies

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga 

Springs, New York -- to acquire additional shares of 473 Broadway Holding 

Corporation, Saratoga Springs, and of The Adirondack Trust Company.

Secretary

- Approved, October 18, 2011

CNBO Bancorp, Inc., Pryor, Oklahoma -- to continue to engage in mortgage lending 

activities through the acquisition of an interest in Century Home Mortgage of 

Oklahoma, LLC, Tulsa.

Kansas City

- Approved, October 21, 2011

Crescent Financial Bancshares, Inc., Cary, North Carolina -- to become a bank 

holding company and to merge with Crescent Financial Corporation, Cary, and 

thereby acquire Crescent State Bank.

Richmond

- Approved, October 21, 2011

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

Farmers State Bancshares, Inc., Dodge, Nebraska -- to become a bank holding 

company and to acquire Farmers State Investment Co., Dodge, and Farmers State 

Bank.

Kansas City

- Approved, October 21, 2011

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

acquire BFS Bancorp, MHC, Brooklyn, New York; Brooklyn Federal Bancorp, Inc.; 

and Brooklyn Federal Savings Bank and thereby operate a savings association.

New York

- Approved, October 17, 2011

National Australia Bank Limited, Docklands, Australia -- request for an exemption 

under the Depository Institution Management Interlocks Act and Regulation L.

General Counsel

- Granted, October 19, 2011

Piedmont Community Bank Holdings, Inc., Raleigh, North Carolina -- to acquire 

Crescent Financial Bancshares, Inc., Cary, successor to Crescent Financial 

Corporation, and thereby indirectly acquire Crescent State Bank.

Richmond

- Approved, October 21, 2011

Bank Mergers

1st United Bank, Boca Raton, Florida -- to purchase certain assets and assume certain 

liabilities of Old Harbor Bank, Clearwater.

Secretary

- Approved, October 20, 2011

H.2 Actions under delegated authority October 16, 2011 to October 22, 2011

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

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

liabilities of Old Harbor Bank, Clearwater, Florida, and to retain the acquired 

facilities as branches.

St. Louis

- Withdrawn, October 18, 2011

Change in Bank Control

First State Bank of the Florida Keys Holding Company, Key West, Florida -- change 

in bank control of First State and its subsidiary bank, First State Bank of the Florida 

Keys, Key West.

Atlanta

- Permitted, October 21, 2011

FirstPerryton Bancorp, Inc., Perryton, Texas -- change in bank control of 

FirstPerryton and its subsidiary bank, FirstBank Southwest, Amarillo.

Dallas

- Permitted, October 19, 2011

Four County Bancshares, Inc., Allentown, Georgia -- to retain control of Four County 

and its subsidiary bank, Four County Bank, Allentown.

Atlanta

- Permitted, October 20, 2011

Extensions of Time

Frederick County Bank, Frederick, Maryland -- extension to April 23, 2012, to 

establish a branch at 103 Monocacy Boulevard, Ferederick.

Richmond

- Granted, October 18, 2011

H.2 Actions under delegated authority October 16, 2011 to October 22, 2011

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

Lake City Bank, Warsaw, Indiana -- extension to January 12, 2012, to establish a 

branch at Outlot 2 Parcel at Parkwood West, Indianapolis.

Chicago

- Granted, October 20, 2011

Membership

Ackley State Bank, Ackley, Iowa -- to become a member of the Federal Reserve 

System.

Chicago

- Approved, October 17, 2011

Savings and Loan Holding Companies

Opus Bank, Redondo Beach, California -- to become a savings and loan holding 

company by acquiring control of RMG Capital Corporation, Fullerton, and its thrift 

subsidiary, Fullerton Community Bank, in connection with Fullerton's merger with 

and into Opus Bank; and to acquire RMG's nonbank subsidiary, RMG Development 

Corporation, Fullerton, and thereby engage in certain real estate acquisition and 

development activities.

San Francisco

- Approved, October 21, 2011

H.2 Actions under delegated authority October 16, 2011 to October 22, 2011

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

Federal Reserve Bank of Boston

Filings received during the week ending October 22, 2011

Filer Filing Type Filing Proposal End of Comment Period

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 1

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 2

Federal Reserve Bank of New York

Filings received during the week ending October 22, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Raiffeisen Bank International AG, Vienna, 

Austria, to establish a representative office in 

New York, New York, pursuant to Section 10(a) 

of the International Banking Act of 1978, as 

amended and Section 211.24(a)(1) of Regulation 

K.

RAIFFEISEN BANK 

INTERNATIONAL AG

* 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 October 22, 2011

Filer Filing Type Filing Proposal End of Comment Period

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

Newspaper:

Federal Register:

* SLHC Not available

Formation

* MHC 

Conversion

10/17/2011

Polonia Bancorp, Inc., Baltimore, MD, to acquire 

100 percent of Polonia Bancorp, Inc., 

Huntingdon Valley, PA.

Polonia 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 October 22, 2011

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 October 22, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

S. Christopher Williford, Wilson, North 

Carolina, to control up to 24.69% of the voting 

shares of CB Financial Corporation, Wilson, 

North Carolina.

CB FINANCIAL CORPORATION

* 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 October 22, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Palm Beach Community Bank, West Palm Beach, 10/28/2011

Florida, to establish a branch located at 3305 

Northlake Boulevard, Palm Beach Gardens, 

Florida.

PALM BEACH COMMUNITY 

BANK

Newspaper:

Federal Register:

* 3A1 Not available

11/21/2011

(Advance Federal Register) Raymond James 

Financial, Inc., to become a bank holding 

company by acquiring 100 percent of the 

outstanding shares of Raymond James Bank, 

FSB, both of St. Petersburg, Florida, to be 

named Raymond James Bank, N.A., upon its 

conversion to a national bank.

RAYMOND JAMES FINANCIAL, 

INC.

Newspaper:

Federal Register:

CIC 10/28/2011

11/14/2011

Sunrise Bank, Cocoa Beach, Florida, prior 

change in control notice filed by Guido Edwin 

Hinojosa Cardoso, La Paz, Bolivia, to acquire an 

additional 42.57 percent of the outstanding 

shares of Sunrise Bank, Cocoa Beach, Florida. 

Total pro forma ownership will equal 52.54 

percent.

SUNRISE BANK

Newspaper:

Federal Register:

* Branch

Not applicable

USAmeriBank, Clearwater, Florida, to establish 10/28/2011

the following branches: 2028 E. 7th Avenue, 

Tampa, Florida, to be known as the Ybor Office; 

and 4770 140th Avenue, N., Clearwater, Florida, 

to be known as the 49th Street Branch.

USAMERIBANK

* 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 October 22, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 Not available

Blue Grass Bancorporation, Inc., Corning, 

Iowa,to become a bank holding company by 

acquiring 100% of Okey-Vernon First National 

Bank, Corning, Iowa. Blue Grass 

Bancorporation, Inc. to engage in insurance in 

small towns.

Blue Grass Bancorporation, Inc.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Midwest Bank, Itasca, Illinois, to acquire 

certain assets and assume certain liabilities of 

four branches of Old National Bank, Evansville, 

Indiana, and thereby to establish a branch office 

at 2320 S. Route 59, Plainfield, Illinois.

FIRST MIDWEST BANK

Newspaper:

Federal Register:

* 3A1 11/02/2011

11/04/2011

MutualFirst Financial, Inc., Muncie, Indiana, to 

become a bank holding company by acquiring 

100 percent of the voting shares of MutualBank, 

Muncie, Indiana.

MUTUALFIRST FINANCIAL, 

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 October 22, 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 October 22, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 3A3

4c8

11/19/2011

11/14/2011

Midwest Bancshares, Inc., Tyndall South 

Dakota, to become a bank holding company by 

acquiring 100 percent of Security State Bank, 

Tyndall, South Dakota, and Midwest 

Bancshares, Inc., Tyndall, South Dakota to 

acquire 100 percent of Dakota Heritage State 

Bank, Chancellor, South Dakota. In addition, 

Midwest Bancshares, Inc., Tyndall, South 

Dakota, to acquire 100 percent of Chancellor 

Insurance Agency, LLC, Chancellor, South 

Dakota, and thereby engage in insurance 

agency activities in a town with a population 

not exceeding 5000.

MIDWEST BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

10/26/2011

Notice by Marilyn Senty Ivers, Great Falls, 

Montana, to retain 25 percent or more of the 

shares of Northern Financial Corporation, 

Independence, Wisconsin, and thereby 

indirectly retain control of Independence State 

Bank, Independence, Wisconsin.

NORTHERN FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

11/08/2011

Change in Control Notice by Mark E. Davis, St. 

Peter, Minnesota, to acquire 25 percent or more 

of the shares of Riverland Bancorporation, 

Jordan, Minnesota, and thereby indirectly gain 

control of Riverland Bank, Jordan, Minnesota.

RIVERLAND 

BANCORPORATION

* 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 October 22, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

11/21/2011

Bluechip Bancshares, LLC, Oklahoma City, 

Oklahoma, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of Elmore City Bancshares, Inc., 

Elmore City, Oklahoma, parent of First State 

Bank, Elmore City, Oklahoma.

BLUECHIP BANCSHARES, LLC

Newspaper:

Federal Register:

* 3A3 Not available

10/11/2011

Bon, Inc.; Goering Financial Holding Company 

Partnership, L.P.; and Goering Management 

Company, L.L.C., all of Moundridge, Kansas, to 

acquire 100 percent of the voting shares of 

Home State Bancshares, Inc., McPherson, 

Kansas, parent of Home State Bank & Trust Co., 

McPherson, Kansas.

BON, INC.

Newspaper:

Federal Register:

CIC Not available

10/10/2011

Notice by Robert Clay Welch, Sugar Creek, 

Missouri, and James Ward Pollard, 

Independence, Missouri, as trustees of the 

Robert E. Oliphant Revocable Trust u/t/a/ dated 

November 10, 2010, to retain control of Country 

Agencies & Investments, Inc., Odessa, 

Missouri, parent of Bank of Odessa, Odessa, 

Missouri, Commercial Bank of Oak Grove, Oak 

Grove, Missouri, and LaMonte Community 

Bank, LaMonte, Missouri.

COUNTRY AGENCIES & 

INVESTMENTS, INC.

Newspaper:

Federal Register:

CIC Not available

10/07/2011

Notice by Teresa N. Pfaff, Lancaster, South 

Carolina, as a member of a group acting in 

concert, to acquire control of First National 

Fairbury Corporation, parent of The First 

National Bank of Fairbury, both in Fairbury, 

Nebraska.

FIRST NATIONAL FAIRBURY 

CORPORATION

Newspaper:

Federal Register:

SLHC Activity Not applicable

11/04/2011

Lincoln Federal Bancorp, Inc. and Lincoln 

Federal Bancorp M.H.C., both in Lincoln, 

Nebraska, to engage in real estate development 

activities through Stone Bridge Creek, L.L.C., 

Lincoln, Nebraska, which is to be transferred to 

Lincoln Federal Bancorp through a dividend in 

kind.

LINCOLN FEDERAL BANCORP, 

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 October 22, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 10/25/2011

10/27/2011

Adam Bank Group, Inc., Tampa, Florida, to 

acquire 100 percent of Brazos Valley Bank, 

National Association, College Station, Texas, 

through the merger of its banking subsidiary, 

American Momentum Bank, Tampa, Florida, 

with and into Brazos Valley Bank, National 

Association, with American Momentum Bank 

surviving this merger.

ADAM BANK GROUP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

* 3A1 11/17/2011

Happy Bancshares, Inc., Canyon, Texas, and 

SBI Acquisition Corp., Amarillo, Texas, to 

acquire 100 percent of Signature Bancshares, 

Inc., Dallas, Texas, and thereby indirectly 

acquire Signature Bank, Dallas, Texas, and for 

SBI Acquisition Corp. to thereby become a bank 

holding company.

HAPPY BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 Not available

11/04/2011

SHB Bancorp, Inc., Jonesville, Louisiana, to 

become a bank holding company by acquiring 

100 percent of Southern Heritage Bank, 

Jonesville, Louisiana.

SHB BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Jerry D. Branum of Dallas, Texas, to 

acquire 25 percent or more of the shares and 

thereby control of Wills Point Financial 

Corporation, Wills Point, Texas and indirectly 

Citizens National Bank, Wills Point, Texas.

WILLS POINT FINANCIAL 

CORPORATION

* 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 October 22, 2011

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

10/28/2011

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management Company, LLC, Carpenter 

Community Bancfund, L.P., Carpenter 

Community BanFund -A, L.P., Carpenter 

Community BandFund - CA, L.P., SCJ, Inc., and 

CCFW, Inc., all of Irvine, California, and all 

existing controlling parties, to acquire additional 

shares of stock in Manhattan Bancorp, and 

thereby indirectly acquire additional voting 

shares of Bank of Manhattan, N.A., both of El 

Segundo, California.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

CIC Not available

10/27/2011

Interagency Notice of Change in Control by 

Montlake Capital II, L.P, a limited partnership 

and Montlake Capital II-B, L.P., a limited 

partnership, Seattle, Washington, to acquire 

voting shares of Coastal Financial Corporation, 

and thereby indirectly acquire Coastal 

Community Bank, both of Everett, Washington; 

and 2)Coastal Financial Corporation and Coastal 

Community Bank, both of Everett, Washington 

to appoint Andrew Russell Dale as a Director.

COASTAL FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

11/10/2011

FS Bancorp, Inc.,, Mountlake Terrace, 

Washington, to become a bank holding 

company upon the conversion of 1st Security 

Bank of Washington, Mountlake Terrace, 

Washington, from a state savings bank to a 

commercial bank.

FS BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

10/07/2011

Interagency Notice of Change in Control by 

James Gaines McCullar and Carolyn Jean 

McCullar, both of Soap Lake, Washington, to 

acquire up to 22.44 percent of Riverbank 

Holding Company, and thereby indirectly 

acquire Riverbank, both of Spokane, 

Washington.

RIVERBANK HOLDING 

COMPANY

* 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