Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 13 

Week Ending March 30, 2013

Board of Governors of the Federal Reserve System, Washington, DC 20551
Regulations and Policies

Regulation PP (Definitions Relating to Title I of the Dodd-Frank Act) -- final rule to 

establish the requirements for (1) determining if a company is "predominantly 

engaged in financial activities" and (2) defining "significant nonbank financial 

company" and "significant bank holding company," in accordance with the 

Dodd-Frank Act.

- Approved, March 28, 2013

Enforcement

Citigroup Inc., New York, New York -- issuance of a consent cease and desist order.

- Announced, March 26, 2013

East Dubuque Bancshares, Inc., East Dubuque, Illinois, and East Dubuque Savings 

Bank, Dubuque, Iowa -- written agreement dated April 19, 2010, terminated 

March 20, 2013.

- Announced, March 26, 2013

H.2 Board Actions March 24, 2013 to March 30, 2013

(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

March 24, 2013 to March 30, 2013

MA Monetary Affairs

Bank Branches, Domestic

ANB Bank, Denver, Colorado -- to establish a branch at 3851 Sol Danza Drive, 

Castle Rock, and an associated mobile branch (two notices).

Kansas City

- Approved, March 26, 2013

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 1280 Grand 

Boulevard, Kansas City, Missouri.

St. Louis

- Withdrawn, March 25, 2013

Bank Holding Companies

Bank of the Ozarks, Inc., Little Rock, Arkansas -- waiver of application to acquire 

The First National Bank of Shelby, Shelby, North Carolina, in connection with the 

merger of The First National Bank of Shelby with and into Ozark's subsidiary, Bank 

of the Ozarks, Little Rock.

Secretary

- Granted, March 28, 2013

Caja de Ahorros y Pensiones de Barcelona, Barcelona, Spain, and CaixaBank, S.A. -- 

modification of a commitment.

Director, BS&R

- Granted, March 28, 2013

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

The First Bancshares, Inc., Hattiesburg, Mississippi -- to acquire First National Bank 

of Baldwin County, Foley, Alabama.

Atlanta

- Approved, March 28, 2013

R Corp Financial, Round Rock, Texas -- to become a bank holding company by 

acquiring R Bank, Round Rock.

Dallas

- Approved, March 25, 2013

Banks, Foreign

Canadian Imperial Bank of Commerce, Toronto, Canada -- waiver of remainder of 

prior-notice period to convert its agency at 425 Lexington Avenue, New York, New 

York, to a branch.

Director, BS&R

- Granted, March 26, 2013

Commonwealth Bank of Australia, Sydney, Australia -- waiver of remainder of 

prior-notice period to establish a representative office in Houston, Texas.

Director, BS&R

- Granted, March 27, 2013

Change in Bank Control

First Home Bancorp, Inc., Seminole, Florida -- to retain control of First Home 

Bancorp and its subsidiary, First Home Bank, Seminole.

Atlanta

- Permitted, March 29, 2013

H.2 Actions under delegated authority March 24, 2013 to March 30, 2013

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

Full Service Insurance Agency, Inc., Buxton, North Dakota -- change in bank control 

of Full Service Insurance Agency and its subsidiary, First State Bank, Buxton.

Minneapolis

- Permitted, March 29, 2013

Extensions of Time

Premier Bancshares, Inc., Omaha, Nebraska -- extension to June 27, 2013, to become 

a bank holding company by acquiring Premier Bank, Omaha.

Kansas City

- Granted, March 26, 2013

Financial Holding Companies 

Alpine Bancorporation, Inc., Belvidere, Illinois -- election to become a financial 

holding company.

Chicago

- Effective, March 26, 2013

International Operations

USB European Holdings Company, Minneapolis, Minnesota -- waiver of remainder 

of prior-notice period to invest in Santander Elavon Merchant Services, Entidad de 

Pago, S.L., Madrid, Spain.

Director, BS&R

- Granted, March 28, 2013

H.2 Actions under delegated authority March 24, 2013 to March 30, 2013

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

First National Bank, Independence, Kansas -- to retain membership in the Federal 

Reserve System on conversion to a state-chartered bank to be known as FirstBank of 

Independence.

Kansas City

- Approved, March 28, 2013

H.2 Actions under delegated authority March 24, 2013 to March 30, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending March 30, 2013

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 March 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

03/01/2013

Investors Bancorp, MHC and Investors 

Bancorp, Inc., both of Short Hills, New Jersey, 

providing notice pursuant to Section 4(c)(8) of 

the BHC Act and Section 225.24 of Regulation 

Y, to acquire Roma Financial Corporation MHC, 

Roma Financial Corporation, both of 

Robbinsville, New Jersey, and their 

wholly-owned subsidiaries, Roma Bank, 

Robbinsville, New Jersey and RomAsia Bank, 

South Brunswick Township, New Jersey.

INVESTORS BANCORP, INC.

* 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 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* SLHC Not available

Formation 04/25/2013

Princeton Capital, LLC, West Trenton, NJ to 

become a savings and loan holding company by 

acquiring up to 88% of the Bank of Maumee, 

Maumee, Ohio.

PRINCETON CAPITAL LLC

Newspaper:

Federal Register:

* SLHC 

Formation

04/17/2013

04/19/2013

Sunnyside Bancorp, Inc., Irvington, NY, to form 

a holding company by acquiring Sunnyside 

Federal Savings and Loan Association of 

Irvington, Irvington, NY, a federally chartered 

mutual savings and loan association converting 

to a federally chartered stock formation.

SUNNYSIDE 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 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/02/2013

Interagency Notice of Change in Bank Control 

submitted by Michael R. Eaves, as an 

individual, Richmond, KY and Interagency 

Notice of Change in Bank Control submitted by 

Dr. William R. Allen and Pattris S. Allen and Dr, 

WIlliam R. Allen and Pattris S. Allen's IRA 

and/or 401K account(s); Michael R. Eaves and 

Ava M. Eaves and Michael R. Eaves and Ava 

M. Eaves' IRA and/or 401K account(s); Michael 

D. Eidson and Kathleen H. Eidson and Michael 

D. Eidson's IRA account(s); Jeffrey E. Neal and 

Debra G. Neal and Jeffrey E. Neal and Debra G. 

Neal's IRA and/or 401K account(s); Corey E. 

Neal; and Stuart K. Olds, all of Richmond, KY 

and J. Michael Burns, Nicholasville, KY to 

acquire 10% or more of the outstanding voting 

shares of Madison Financial Corporation, 

Richmond, KY.

MADISON FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

03/25/2013

Interagency Notice of Change in Bank Control 

submitted by WVS Financial Corp., ESOP and 

John W. Grace, Trustee, Pittsburgh, PA to retain 

13.45% of the outstanding voting shares of 

WVS Financial Corp., Pittsburgh, PA and to 

acquire additional shares not to exceed 24.9% of 

WVS Financial Corp. total shares outstanding.

WVS 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 March 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/17/2013

04/15/2013

Olivia Britton Holding, Raleigh, North Carolina, 

to retain control of 11.5% of First Citizens 

BancShares, Inc., Raleigh, North Carolina.

FIRST CITIZENS BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

04/15/2013

Frank Brown Holding, Jr., Raleigh, North 

Carolina, to retain control of 10.5% of First 

Citizens BancShares, Inc., Raleigh, North 

Carolina.

FIRST CITIZENS BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC 04/13/2013

04/09/2013

Gordon A. Baird, Darien, Connecticut, 

individually to control up to 12.11% of the 

outstanding voting shares of Independence 

Bancshares, Inc., Greenville, South Carolina. 

Additionally, Gordon A. Baird and Alvin G. 

Hageman, Westport, Connecticut, together with 

Baird Hageman & Co., LLC, Darien, 

Connecticut, as a group acting in concert to 

control up to 14.42% of the outstanding voting 

shares of Independence Bancshares, Inc., 

Greenville, South Carolina

INDEPENDENCE BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Hope Holding Connell, Raleigh, North Carolina, 

to retain control of 11.9% of Southern 

BancShares (N.C.), Inc., Mount Olive, North 

Carolina.

SOUTHERN BANCSHARES 

(N.C.), INC.

Newspaper:

Federal Register:

CIC Not available

03/14/2013

Betty J. Wright, Mount Airy, North Carolina, to 

individually control 11.21% of Surrey Bancorp, 

Mount Airy, North Carolina, and together with 

the Hylton Wright Living Trust Agreement and 

ARMAT Foundation, as a group acting in 

concert, to control 12.31% of Surrey Bancorp.

SURREY BANCORP

* 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 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/04/2013

Prior change in control notice filed by William 

Henry Carr, Enterprise, Alabama, and Jerry 

Newman Carr, Cornelius, North Carolina, to 

acquire 31.12 percent of the outstanding shares 

of Enterprise Capital Corporation, Inc., and its 

subsidiary bank, The Citizens Bank, both of 

Enterprise, Alabama.

ENTERPRISE CAPITAL 

CORPORATION, INC.

Newspaper:

Federal Register:

CIC Not available

04/04/2013

Prior change in control notice filed by Phillip 

Bruce Culpepper, Tallahassee, Florida; Richard 

Rene Dostie, Jacksonville, Florida; Charles 

Eldridge Hughes, Jr., Jacksonville, Florida; Jan 

Malcolm Jones, Jr., Jacksonville, Florida; James 

Thomas Katsur, Longwood, Florida; William 

Andrew Krusen, Jr., Tampa, Florida; Allan Scott 

Martin, Tampa, Florida; Linda Claire McGurn, 

Micanopy, Florida; and Manuel Gonzalo 

Sanchez, Gainesville, Florida; to collectively 

acquire 25.34 percent of the outstanding shares 

of Florida Capital Group, Inc., and its 

subsidiary, Florida Capital Bank, both of 

Jacksonville, Florida.

FLORIDA CAPITAL GROUP, INC.

Newspaper:

Federal Register:

* Branch Not available

Not applicable

United Legacy Bank, Longwood, Florida, to 

establish a branch located at 3825 Edgewater 

Drive, Orlando, Florida, to be known as United 

Legacy Bank - College Park Office.

UNITED LEGACY BANK

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending March 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Central State Bank, Muscatine, Iowa, to merge 

with sister banks: West Chester Savings Bank, 

Washington, Iowa; and Freedom Security Bank, 

Coralville, Iowa. As a result of the proposed 

mergers, all offices of target banks will become 

offices of Central State Bank, Muscatine, Iowa.

CENTRAL STATE BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Lolita A. Katchel, previous owner of 50.9 

percent of the outstanding shares of 

Commercial Bancshares, Inc., Whitewater, 

Wisconsin, as of 12/28/2012, has gifted all her 

shares to her children, David S. Kachel, Jon D. 

Kachel, Linda Kachel, Kerri Kachel, Laurence D. 

Kachel, Thomas D. Kachel and Michael S. 

Kachel. Jon D. Kachel is the controlling share 

holder, President and Director of Commercial 

Bancshares, Inc., Whitewater, Wisconsin, and 

President, CEO and Director of Commercial 

Bank, Whitewater, Wisconsin.

COMMERCIAL BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC 02/04/2013

01/31/2013

Stanley Dickson, Jr., Gross Pointe Park, 

Michigan, as an individual, and the group 

consisting of Stanley Dickson, Jr., Gross Pointe 

Park, Michigan, Steven Dickson, Rancho Santa 

Fe, California, Kathryn J. Dickson, Howell, 

Michigan and Riddle Limited Partnership, 

Howell, Michigan ("Riddle LP"), propose to 

acquire control of FNBH Bancorp, Inc., Howell, 

Michigan ("FNBH"), and thereby indirectly 

control First National Bank in Howell, Howell, 

Michigan.

FNBH BANCORP, INC.

Newspaper:

Federal Register:

CIC

Not available

LAF GW Investments, LLC (LAF GW), an 03/05/2013

Arkansas limited liability company, individually, 

with Stephen L. LaFrance, Jr., Little Rock, 

Arkansas, as the sole manager, and LAF GW 

and Stephen L. LaFrance, Jr., together as a 

group acting in concert with JSJ Properties, 

LLC, a Missouri limited liability company, with 

Stephen L. LaFrance, Jr., Jason P. LaFrance, and 

Joe Courtright, both of Little Rock, Arkansas, as 

managers, LAF Brothers Properties, LLC, an 

Arkansas limited liability company, with 

Stephen L. LaFrance, Jr. and Jason P. LaFrance 

as managers, the Stephen L. LaFrance, Sr. GW 

Investments Trust, with Stephen L. LaFrance, Jr. 

and Jason P. LaFrance as trustees, Jason P. 

LaFrance, and the Amy LaFrance Bancroft GW 

Investments Trust, with Stephen L. LaFrance, 

Sr., Pine Bluff, Arkansas, as trustee, to acquire 

10 percent or more of the outstanding voting 

shares of Greenwoods Financial Group, Inc., 

and thereby indirectly acquire control of The 

Greenwood's State Bank, both of Lake Mills, 

Wisconsin.

GREENWOODS FINANCIAL 

GROUP, INC.

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

Federal Reserve Bank of Chicago

Filings received during the week ending March 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Leland Emerson Boren, as an individual, to 

acquire voting control of over 10 percent of 

Independent Alliance Banks, Fort Wayne, 

Indiana, pursuant to the Change in Bank 

Control Act.

INDEPENDENT ALLIANCE 

BANKS, INC.

Newspaper:

Federal Register:

CIC Not available

04/16/2013

The Exempt Family Trust u/a Imogene P. 

Johnson 2012 Gift Trust and Helen P. 

Johnson-Leipold as trustee, Racine, Wisconsin, 

to join the existing Johnson Family Control 

Group through the acquisition of shares of 

Johnson Financial Group, Inc. and the indirect 

acquisition of shares of Johnson Bank, both of 

Racine, Wisconsin, pursuant to the Change in 

Bank Control Act of 1978 (12 U.S.C. 18170).

JOHNSON FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

CIC 04/06/2013

04/04/2013

The Sharon L. Hearns Irrevocable Family Trust, 

James E. Hearns, as trustee of the Sharon L. 

Hearns Irrevocable Family Trust, James E. 

Hearns and Sharon L. Hearns, all of Naples, 

Florida, Keith E. Hearns and Natalie 

Guetierrez-Hearns, both of New Lenox, Illinois, 

and Gregory F. Steil, Hinsdale, Illinois, together 

as a group acting in concert, to acquire 10 

percent or more of the voting shares of 

LWCBancorp, Inc., and thereby indirectly 

acquire control of LincolnWay Community 

Bank, both of New Lenox, Illinois.

LWCBANCORP, INC.

Newspaper:

Federal Register:

* 3A3 04/12/2013

04/19/2013

Minier Financial, Inc. Employee Stock 

Ownership Plan with 401(k) Provisions, Minier, 

Illinois, to increase its ownership of Minier 

Financial, Inc., Minier, Illinois, from 35 percent 

to 51 percent, and thereby increase its indirect 

ownership of First Farmers State Bank, Minier, 

Illinois.

MINIER FINANCIAL, INC. 

EMPLOYEE STOCK OWNERSHIP 

PLAN W/401(K) PROVISIONS

Newspaper:

Federal Register:

CIC 04/04/2013

03/28/2013

The notice filed pursuant to the Change in Bank 

Control Act of 1978 by Ms. Marjorie Jane 

Danielson, Freeport, Maine, as an individual, 

Ms. Anne Danielson Pick, St. Paul, Minnesota, 

as an individual; and by the control group 

consisting of the Clifford and Marjorie 

Danielson for M. Jane Danielson Child?s Trust, 

Sycamore, Illinois; the Clifford and Marjorie 

Danielson for M. Jane Danielson?s 

Descendants Trust, Sycamore, Illinois; the 

Clifford and Marjorie Danielson for Anne Pick 

Child?s Trust, Sycamore, Illinois; the Clifford 

and Marjorie Danielson for Anne Pick?s 

Descendants Trust, Sycamore, Illinois; to retain 

control of NI Bancshares, Corporation, 

Sycamore, Illinois and thereby retain indirect 

control The National Bank & Trust Company, 

Sycamore, Illinois.

NI BANCSHARES 

CORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending March 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

OSB Financial Corporation, Brooklyn, Michigan, 

to become a bank holding company by 

acquiring 100 percent of OSB Community Bank, 

Brooklyn, Michigan.

OSB FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 04/03/2013

04/04/2013

QCR Holdings,Inc., Moline, Illinois, to acquire 

100 percent of Community National 

Bancorporation, Waterloo, Iowa, and thereby 

indirectly acquire Community National Bank, 

Waterloo, Iowa.

QCR HOLDINGS, 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 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Arvest Bank, Fayetteville, Arkansas, to 

establish a branch facility to be located at 1280 

Grand Boulevard, Kansas City, Missouri.

ARVEST BANK

* 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 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Change in Control Notice by William P. Von 

Holtum, Edina, Minnesota, individually and as 

trustee of the voting trust of the John E. Von 

Holtum Estate, Edina, Minnesota, to retain 

control of 25% or more of Central Trust 

Company, Edina, Minnesota, and thereby 

indirectly retain control of Central Bank and 

Trust, Lander, Wyoming; CenBank, Buffalo 

Lake, Minnesota; and VH Bancorporation, Inc., 

Edina, Minnesota, which owns Grand Marais 

State Bank, Grand Marais, Minnesota. In 

addition, Megan E. Von Holtum and Christopher 

J. Von Holtum, both of Edina, Minnesota, to join 

the Von Holtum Family Group, which owns 25% 

or more of the shares of Central Trust Company.

CENTRAL TRUST COMPANY

Newspaper:

Federal Register:

CIC Not available

Not available

Post notice by Tina Pogatchnik Rabe, Hinckley, 

Minnesota, individually and as trustee of two 

Pogatchnik family trusts, to retain 25 percent or 

more of the shares of Finlayson Bancshares, 

Inc., Finlayson, Minnesota. Also, post notice 

by D.A. Pogatchnik Family Trust, Hinckley, 

Minnesota, Tina Pogatchnik Rabe, trustee; 

Dean L. Pogatchnik Grandchildren's Trust, 

Finlayson, Minnesota, Bruce A. Pogatchnik, 

trustee; and Bruce Pogatchnik Family Trust, 

Hinckley, Minnesota, Tina Pogatchnik Rabe, 

trustee, to join the Pogatchnik family group 

which controls 25 percent or more of Finlayson 

Bancshares, and thereby indirectly controls 

Northview Bank, Sandstone, Minnesota, and 

First Independent Bank, Russell, Minnesota.

FINLAYSON BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

04/01/2013

Change in Control notice by Joseph Robert 

Dickson III, Citrus Heights, California, David W. 

Dickson, Northbrook, Illinois, and Samuel J. 

Dickson, Fairfax, Minnesota, to each retain 25 

percent or more of the shares of Fort Ridgely 

National Bancorporation, Inc., Fairfax, 

Minnesota, and thereby indirectly retain control 

of First National Bank of Fairfax, Fairfax, 

Minnesota.

FORT RIDGELY NATIONAL 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

J & B Financial Holdings, Inc., Minneapolis, 

Minnesota, to become a bank holding company 

by acquiring 100% of Mills Resolute Bank, 

Sanborn, Minnesota.

J & B Financial Holdings, Inc.

* Subject to the provisions of the Community Reinvestment Act
District: 9

Federal Reserve Bank of Minneapolis

Filings received during the week ending March 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/09/2013

The 2012 Jack W. Steele Irrevocable Trust and 

the 2012 Donna D. Steele Irrevocable Trust 

("Trusts"), both of Huron, South Dakota; 

Preston B. Steele, individually and as trustee of 

Trusts, and Tasha J. Lee, individually and as 

trustee of Trusts, both of Huron, South Dakota; 

and American Bank & Trust, Wessington 

Springs, South Dakota, as trustee of Trusts, to 

retain and acquire control of Leackco Bank 

Holding Company, Inc., Wolsey, South Dakota, 

and thereby indirectly retain and acquire control 

of American Bank & Trust, Wessington 

Springs, South Dakota, and American State 

Bank of Pierre, Pierre, South Dakota.

LEACKCO BANK HOLDING 

COMPANY, INC.

Newspaper:

Federal Register:

* 3A1 Not available

4c8 04/29/2013

MidWest Bancorporation, Inc., Eden Prairie, 

Minnesota, to become a bank holding company 

as a result of the proposed conversion of its 

wholly-owned subsidiary, Star Bank, Bertha, 

Minnesota, from a federal savings bank to a 

Minnesota state-chartered commercial bank. 

Midwest Bancorporation, Inc., Eden Prairie, 

MN, through Todd County Agency, Inc., Eden 

Prairie, MN, and its subsidiary West Central 

Agency, Inc., Graceville, MN, to engage in 

general insurance agency activities under 

225.28(b)(11)(iii)(A) of Regulation Y.

MIDWEST BANCORPORATION, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Post notice by the Elizabeth Ann Soderberg 

Irrevocable Trust, New Richmond, Wisconsin, 

Scott H, Soderberg, Eden Prairie, Minnesota, 

individually and as trustee, the Scott H. 

Soderberg Irrevocable Trust, New Richmond, 

Wisconsin, and Elizabeth Ann Soderberg, 

Minnetonka, Minnesota, individually and as 

trustee to join the Soderberg family control 

group which controls 25 percent or more of the 

shares of One Corporation, New Richmond, 

Wisconsin and thereby indirectly retain and 

acquire control of First National Community 

Bank, New Richmond, Wisconsin.

ONE CORPORATION

Newspaper:

Federal Register:

CIC 04/12/2013

04/11/2013

Change in Control notice by the William E. 

Blomster 2011 Irrevocable Trust, Fairmont, 

Minnesota, and Mark C. Hooper, as trustee of 

the Trust, to retain 25 percent or more of the 

shares of WEB, Inc., Fairmont, Minnesota, and 

thereby indirectly retain control of State Bank of 

Fairmont, Fairmont, Minnesota.

WEB, 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

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 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/16/2013

Notification by Lisa J. Green, Lawton, 

Oklahoma, as trustee of the 2000 Green Family 

Trust, to acquire control of B.O.E. Bancshares, 

Inc., parent of Liberty National Bank, both in 

Lawton, Oklahoma.

B.O.E. BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

03/25/2013

Notice submitted by Troy and Crystal 

Faulkender, Oakley, Kansas; Jay and Brandy 

Todd, Rexford, Kansas; Darvin and Tammi 

Strutt, Colby, Kansas; Sharon and Ronnie 

Schamberger, Hoxie, Kansas; Crystal Ann 

Trauer, trustee of the Laurence Duane Trauer 

Tax Shelter Trust and the Crystal Ann Trauer 

Revocable Trust, both in Hays, Kansas; Nichole 

and Bret Tremblay, Manhattan, Kansas; Leslea 

and Brett Oelke, Hoxie, Kansas; Brittany 

Schamberger, Hoxie, Kansas, Taylore 

Schamberger, Hoxie, Kansas; Jerry and Melissa 

Spresser, Hoxie, Kansas; Larry and Julia 

Spresser, Pittsburg, Kansas; Brian and Sheri 

Baalman, Menlo, Kansas; and Samuel 

Brookover, Scott City, Kansas, as a group 

acting in concert, to acquire control of Big Mac 

Bancshares, Inc., Hoxie, Kansas, parent of 

Peoples State Bank, McDonald, Kansas.

BIG MAC BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A2 Not available

04/26/2013

Equity Bancshares, Inc., Wichita, Kansas, to bid 

to acquire up to 100 percent of the fixed rate 

cumulative perpetual preferred stock, Series A, 

of Blue Valley Ban Corp., Overland Park, 

Kansas, issued under the Troubled Asset Relief 

Program of the U.S. Treasury in an upcoming, 

but not yet scheduled auction sponsored by the 

U.S. Treasury.

EQUITY BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 03/25/2013

03/20/2013

Notice by the Bill and Twylah Horne Irrevocable 

Trust and Bill J. Horne, Jr., Ada, Oklahoma; 

Twylah Jenonne Kesler, Edmond, Oklahoma; 

and Jeanetta Bagwell, Ada, Oklahoma; as 

trustees and parties to the Vision Bancshares, 

Inc. Voting Agreement, to retain control of 

Vision Bancshares, Inc., parent of Vision Bank, 

National Association, both of Ada, Oklahoma.

VISION BANCSHARES, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 10

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Filings received during the week ending March 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Community Trust Bank, Choudrant, Louisiana, 

to establish a mobile branch to serve the Tarrant 

County area, including the city of Fort Worth, 

Texas.

COMMUNITY TRUST BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Community Trust Bank, Choudrant, Louisiana, 

to establish a branch to be located at 16479 

North Dallas Parkway, Addison, Texas 75001.

COMMUNITY TRUST BANK

Newspaper:

Federal Register:

CIC Not available

04/15/2013

Notice by Scotty D. Allen, Stephenville, Texas, 

to acquire up 24.99 percent and thereby control 

of F & M Bancshares, Inc., De Leon, Texas, and 

indirectly Farmers and Merchants Bank, De 

Leon, Texas.

F & M BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 3A3 Not available

Hillister Enterprises, II, Inc., Umphrey II Family 

Limited Partnership, and CBFH, Inc., all of 

Beaumont, Texas, to acquire VB Texas, Inc., 

Houston, Texas, and therefore indirectly, Vista 

Bank Texas, Houston, Texas.

HILLISTER ENTERPRISES II, INC.

Newspaper:

Federal Register:

CIC Not available

04/15/2013

Notice by Larry Alton Jobe, Dallas, Texas; 

Leland A. Jobe, Dallas, Texas; Jennifer M. Jobe, 

Dallas, Texas; Lezlie MacElroy, Pilot Point, 

Texas; and Lorrie J. Fry, Austin, Texas, 

collectively a group acting in concert, to 

control, retain, and acquire 10 percent or more of 

IBT Bancorp, Inc., Irving, Texas, and indirectly, 

Independent Bank of Texas, Irving, Texas.

IBT BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

04/04/2013

Texas Heritage Bancshares, Inc., Hondo, Texas, 

to acquire 100 percent of the common stock of 

Uvalde National Bank, Uvalde, Texas.

TEXAS HERITAGE 

BANCSHARES, INC.

* Subject to the provisions of the Community Reinvestment Act
District: 11

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Filings received during the week ending March 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/30/2012

Notice by Thomas Galt Atwood, Glen Ellen, 

California, and Cypress Abbey Company, 

Colma, California, to retain 10 percent or more of 

the outstanding shares of capital stock of FNB 

Bancorp, and thereby indirectly retain 10 perent 

or more of the voting shares of First National 

Bank of Northern California, both of South San 

Francisco, California.

FNB BANCORP

Newspaper:

Federal Register:

CIC Not available

04/08/2013

Notice of Change in Control by Peter John 

Kovalski, Metuchen, New Jersey, to acquire up 

to 24.9 percent of the voting common stock of 

Gold Canyon Bank, Gold Canyon, Arizona.

GOLD CANYON BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Heritage Bank of Commerce, San Jose, 04/01/2013

California, to establish a branch office at 333 W. 

El Camino Real, Sunnyvale, California, and 

request for approval for closure of its Mountain 

View Office located at 175 East El Camino Real, 

Mountain View, California.

HERITAGE BANK OF 

COMMERCE

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Pacific Premier Bank, Irvine, California, to 04/13/2013

acquire San Diego Trust Bank, San Diego, 

California, and thereby acquire three branch

offices.

PACIFIC PREMIER BANK

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Thian Control Group, including Yee Phong 

(Alan) Thian, Fen Fen Thian, Min Yaw Thian, 

Min Tat Thian, and Gim Tie (Tony) Kheng, all of 

Arcadia, California; Fui Ming (Catherine) Thian, 

Lawrence S K Law, and Jor Leong Law all of 

Calabasas, California; Yee Chin (Victor) Thian of 

Glendale, California; Jennifer Wei Lim Kheng of 

San Francisco, California; Jor Teck Law of 

Beijing, China; Min Yang Thian of Kuala 

Lumpur, Malaysia; Min Jie Thian of New York, 

New York; United Overseas Investment, Inc. 

and Eastern Union, Inc., both of Sherman Oaks, 

California; and their related family members and 

interests, to retain 10 percent or more of the 

voting stock of RBB Bancorp, and thereby 

indirectly retain 10 percent or more of the voting 

stock of Royal Business Bank, both of Los 

Angeles, California.

RBB BANCORP

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Kao Control Group, including Dr. Ruey Chyr 

Kao, Je Tsu Kao, and James Kao, all of Las 

Vegas, Nevada; Dr. Min Hwan Kao and Yu Fan 

Kao of Leawood, Kansas; Daniel J. Kao and 

Linda Lee Kao of La Jolla, California; Christina 

Kao of Piscataway, New Jersey; and their 

related family members, to acquire 10 percent or 

more of the voting stock of RBB Bancorp, and 

thereby indirectly acquire 10 percent or more of 

the voting stock of Royal Business Bank, both 

of Los Angeles, California.

RBB BANCORP

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Filings received during the week ending March 30, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/15/2013

Interagency Notice of Change in Control by the 

Chang Control Group, including Louis C. Chang 

and Su-Cheng C. Chang, both of Palos Verdes 

Estates, California; Peter Ming Chang of Los 

Alamitos, California; and their related family 

members, to acquire 10 percent or more of the 

voting stock of RBB Bancorp, and thereby 

indirectly acquire 10 percent or more of the 

voting stock of Royal Business Bank, both of 

Los Angeles, California.

RBB BANCORP

* Subject to the provisions of the Community Reinvestment Act
District: 12

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act