Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 34 

Week Ending August 25, 2012

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

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

Requirements Associated with the Interagency Statement on Complex Structured 

Finance Activities (FR 4022).

- Proposed, August 22, 2012

Enforcement

Valley Financial Corporation, Roanoke, Virginia, and Valley Bank -- written 

agreement dated September 30, 2010, terminated August 20, 2012. 

- Announced, August 23, 2012

H.2 Board Actions August 19, 2012 to August 25, 2012

(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

August 19, 2012 to August 25, 2012

MA Monetary Affairs

Bank Holding Companies

A.N.B. Holding Company, Ltd., Terrell, Texas -- to acquire additional shares of The 

ANB Corporation, Terrell, and indirectly acquire The American National Bank of 

Texas; Lakeside Bancshares, Inc., Rockwall; and Lakeside National Bank.

Dallas

- Approved, August 23, 2012

Beall Bancshares Inc., Velva, North Dakota -- to become a bank holding company by 

acquiring Peoples State Bank of Velva, Velva.

Minneapolis

- Approved, August 21, 2012

Belleville Bancorp, Inc., Belleville, Illinois -- to become a bank holding company by 

acquiring Bank of Belleville, Belleville.

St. Louis

- Approved, August 24, 2012

Buena Vista Bancorp, Inc., Chester, Illinois -- waiver of application to acquire 

PDR Bancshares, Inc., Prairie du Rocher, in connection with the merger of their 

respective subsidiary banks, Buena Vista National Bank, Chester, and 

State Bank of Prairie du Rocher, Prairie du Rocher.

St. Louis

- Granted, August 24, 2012

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

Commerce Bancshares Corp., Worcester, Massachusetts -- waiver of application to 

acquire Mercantile Capital Corp., Boston, in connection with the merger of their 

respective subsidiary banks, Commerce Bank & Trust Company, Worcester, and 

Mercantile Bank & Trust Company, Boston.

Boston

- Granted, August 20, 2012

First Kansas Bancshares, Inc., Hutchinson, Kansas -- waiver of application to acquire 

Mount Hope Bancshares, Inc., Mount Hope, in connection with the merger of their 

respective subsidiary banks, The First National Bank of Hutchinson, Hutchinson, and 

The First National Bank of Southern Kansas, Mount Hope.

Kansas City

- Granted, August 23, 2012

Grandpoint Capital, Inc., Los Angeles, California -- to acquire Peoria Holdings, LLC, 

Vancouver, Washington, and thereby engage in extending credit and servicing loans.

San Francisco

- Approved, August 22, 2012

Mathias Bancshares, Inc., Springdale, Arkansas -- to acquire Decatur State Bank, 

Decatur.

St. Louis

- Withdrawn, August 20, 2012

Northwest Investment Corp., Davenport, Iowa -- to become a bank holding company 

on conversion of Northwest Bank & Trust Company, Davenport, from a federal 

savings bank to a state-chartered bank.

Chicago

- Approved, August 21, 2012

H.2 Actions under delegated authority August 19, 2012 to August 25, 2012

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

Peoples Bancorp, Inc., Marietta, Ohio -- waiver of application for Peoples Bancorp 

and its subsidiary bank, Peoples Bank, National Association, Marietta, to acquire 

Sistersville Bancorp, Inc., a savings and loan holding company, Sistersville, West 

Virginia, and its subsidiary, First Federal Savings Bank, in connection with the 

merger of First Federal with and into Peoples Bank.

Cleveland

- Granted, August 20, 2012

Phoenix Bancorp, Inc., Minersville, Pennsylvania -- to acquire shares of Union 

Bancorp, Inc., Pottsville.

Philadelphia

- Approved, August 24, 2012

Bank Mergers

Equity Bank, Andover, Kansas -- to merge with Signature Bank, Haddam, and 

thereby establish a branch.

Kansas City

- Approved, August 22, 2012

Change in Bank Control

First Trust Financial Corporation, Clinton, Kentucky -- change in bank control of 

First Trust Financial and its subsidiary bank, First Community Bank of Western 

Kentucky, Inc., Clinton.

St. Louis

- Permitted, August 20, 2012

H.2 Actions under delegated authority August 19, 2012 to August 25, 2012

(A/C) = Addition or Correction Delegated - 3 of 4
Change in Bank Control

High Plains Banking Group, Inc., Flagler, Colorado -- change in bank control of 

High Plains and its subsidiary bank, High Plains Bank, Flagler.

Kansas City

- Permitted, August 20, 2012

Spector Properties, Inc., Chicago, Illinois -- change in bank control of Spector and its 

subsidiary bank, Andalusia Community Bank, Andalusia.

Chicago

- Permitted, August 24, 2012

Spiro Bancshares, Inc., Spiro, Oklahoma -- to retain control of Spiro and its 

subsidiary bank, Spiro State Bank, Spiro.

Kansas City

- Permitted, August 22, 2012

Extensions of Time

Oceanic Bank Holding, Inc., San Francisco, California -- request for an extension of 

the term of the voting trust arrangement established to hold the shares of Oceanic 

Bank Holding, Inc., San Francisco, and indirectly Oceanic Bank.

General Counsel and Director, BS&R

- Granted, August 20, 2012

Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on July 31 - August 1, 

2012.

FOMC

- Published, August 22, 2012

H.2 Actions under delegated authority August 19, 2012 to August 25, 2012

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

Federal Reserve Bank of Boston

Filings received during the week ending August 25, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

Application by Easthampton Savings Bank, 

Easthampton, Massachusetts, to become a 

member of the Federal Reserve System pursuant 

to section 9 of the Federal Reserve Act and 

section 208.3 of Regulation H.

EASTHAMPTON 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 Fourth Quarter of 2012 (October 1, 2012 - December 31, 2012)

Institution Location

CHARLES RIVER BK MEDWAY, MASSACHUSETTS

NEEDHAM BK NEEDHAM, MASSACHUSETTS

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

Federal Reserve Bank of New York

Filings received during the week ending August 25, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/17/2012

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire fifty additional shares of 473 

Broadway Holding Corporation and acquire two 

thousand additional shares of The Adirondack 

Trust Company, both of Saratoga Springs, New 

York.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, THE

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco BPI, S.A., Porto, Portugal, to establish 

representative offices in Newark, New Jersey, 

and New Bedford, Massachusetts, pursuant to 

Section 10(a) of the International Banking Act 

of 1978, as amended and Section 211.24(a)(1) of 

Regulation K.

Banco BPI, S.A.

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Trust Company, Buffalo, 09/06/2012

New York, to establish a limited-service branch 

office located at 72A Taunton Street, Plainville, 

Norfolk County, Massachusetts.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Manufacturers and Trust Company, Buffalo, 09/06/2012

New York, to establish a limited-service branch 

office located at 280 Congress Street, Boston, 

Suffolk County, Massachusetts.

MANUFACTURERS AND 

TRADERS TRUST COMPANY

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

NongHyup Bank, Seoul, Korea, to establish a 

branch in New York, New York, pursuant to 

Section 211.24 of Regulation K.

NONGHYUP BANK

Newspaper:

Federal Register:

* 3A3 Not available

08/31/2012

Oriental Financial Group Inc, San Juan, Puerto 

Rico, to acquire 100 percent of BBVAPR 

Holding Corporation, San Juan, Puerto Rico and 

thereby indirectly acquire Banco Bilbao Vizcaya 

Argentaria Puerto Rico, San Juan, Puerto Rico.

ORIENTAL FINANCIAL GROUP 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

RSB Bancorp, MHC and RSB Bancorp, Inc., 

both of Roselle, New Jersey, to become bank 

holding companies by acquiring 100 percent of 

Roselle Savings Bank, Roselle, New Jersey.

RSB BANCORP, MHC

* 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 Fourth Quarter of 2012 (October 1, 2012 - December 31, 2012)

Institution Location

BPD BK NEW YORK, NEW YORK

DEUTSCHE BK TC AMERICAS NEW YORK, NEW YORK

GOLDMAN SACHS BK USA NEW YORK, NEW YORK

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending August 25, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

Not available

First Priority Financial Corp, Malvern, PA, to 

acquire 100% of Affinity Bancorp, Inc., 

Wyomissing, PA.

FIRST PRIORITY FINANCIAL 

CORP.

* 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 Fourth Quarter of 2012 (October 1, 2012 - December 31, 2012)

Institution Location

CUSTOMERS BANK PHOENIXVILLE, PENNSYLVANIA

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

Federal Reserve Bank of Cleveland

Filings received during the week ending August 25, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Interagency Notice of Change in Bank Control 

by Richard M. Wehrle, acting in his 

representative capacity as conservator for 

James A. Brown, to acquire in his representative 

capacity 10 percent or more of the shares and 

thereby control Farmers National Bancorp of 

Cynthiana, Inc., Cynthiana, Kentucky and 

indirectly control both Farmers National Bank of 

Cynthiana, Cynthiana, Kentucky and Deposit 

Bank of Carlisle, Carlisle, Kentucky

FARMERS NATIONAL 

BANCORP OF CYNTHIANA, INC.

* 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 Fourth Quarter of 2012 (October 1, 2012 - December 31, 2012)

Institution Location

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

Federal Reserve Bank of Richmond

Filings received during the week ending August 25, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

Not available

CapGen Capital Group IV LLC and CapGen 09/22/2012

Capital Group IV LP, both of New York, New 

York, to increase their investment up to 49.9% 

of the voting securities of Jacksonville Bancorp, 

Inc., Jacksonville, Florida, and indirectly acquire 

The Jacksonville Bank, Jacksonville, Florida.

CAPGEN CAPITAL GROUP IV LP

Newspaper:

Federal Register:

* Branch

Not applicable

Citizens Bank and Trust Company, Blackstone, 09/06/2012

Virginia, to establish a branch at the corner of 

Iron Bridge Road and Oliver's Way, 

Chesterfield, Virginia

CITIZENS BANK AND TRUST 

COMPANY

Newspaper:

Federal Register:

* Branch

Not applicable

Monarch Bank, Chesapeake, Virginia, to 08/31/2012

establish a branch at 4097 Ironbound Road, 

Suite C, Williamsburg, Virginia

MONARCH BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Harold Lynn Keene, Lebanon, Virginia, 

individually to control up to 15.95% of the 

outstanding voting shares of New Peoples 

Bankshares, Inc., Honaker, Virginia. 

Additionally, Harold Lynn Keene and Arbutus 

Keene, Lebanon, Virginia, as a group acting in 

concert to control up to 15.96% of the 

outstanding voting shares of New Peoples 

Bankshares, Inc., Honaker, Virginia.

NEW PEOPLES BANKSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Blaine Scott White, Castlewood, Virginina, to 

individually control up to 18.79% of of the 

outstanding voting shares of New Peoples 

Bankshares, Inc., Honaker, Virginia. 

Additionally, Blaine Scott White Trust (trustee, 

Blaine Scott White), Blaine Scott White II, 

Ireevocable Trust (trustee, Blaine Scott White), 

and Brenda D. White, all of Castlewood, 

Virginia, Tiffany White of Evergreen, Colorado, 

James F. White, Jr. and Patricia Jolene White, 

both of Abingdon, Virginia, Bonny W. Gable of 

Bristol, Virginia, along with other family 

members as a group acting in concert to control 

up to 20.20% of the outstanding voting shares 

of New Peoples Bankshares, Inc., HOnaker, 

Virginia

NEW PEOPLES BANKSHARES, 

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 Fourth Quarter of 2012 (October 1, 2012 - December 31, 2012)

Institution Location

BANK OF CHARLOTTE CTY PHENIX, VIRGINIA

BANK OF CLARKE CTY BERRYVILLE, VIRGINIA

BENCHMARK CMNTY BK KENBRIDGE, VIRGINIA

CNB CENTREVILLE, MARYLAND

FREDERICK CTY BK FREDERICK, MARYLAND

MIDDLEBURG BK MIDDLEBURG, VIRGINIA

PUTNAM CTY BK HURRICANE, WEST VIRGINIA

VIRGINIA HERITAGE BK FAIRFAX, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending August 25, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5

Not available

Drummond Banking Company, Chiefland, 09/17/2012

Florida, to merge with Williston Holding 

Company, and thereby directly acquire Perkins 

State Bank, both of Williston, Florida.

DRUMMOND BANKING 

COMPANY

Newspaper:

Federal Register:

CIC Not available

08/28/2012

Prior change in control notice filed by Guice 

Slawson, Jr., Joe Stinson Slawson, and William 

Edgar Slawson, all of Montgomery, Alabama, to 

collectively acquire 91.4 percent of the 

outstanding shares of FEB Bancshares, Inc., 

and its subsidiary, Farmers Exchange Bank, 

both of Louisville, Alabama.

FEB BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 08/22/2012

08/30/2012

Prior change in control notice filed by Robert 

Wayne Lowe, Warner Robbins, Georgia, to 

acquire an additional 8.94 percent of the 

outstanding shares of Mid State Banks, Inc., 

Hawkinsville, Georgia, and its subsidiary, 

PlantersFIRST Bank, Cordele, Georgia. Total pro 

forma ownership will equal 31.38 percent.

MID STATE BANKS, 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 Fourth Quarter of 2012 (October 1, 2012 - December 31, 2012)

Institution Location

FRANKLIN SYNERGY BK FRANKLIN, TENNESSEE

TENNESSEE ST BK PIGEON FORGE, TENNESSEE

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 25, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not available

American Heartland Bancshares, Inc., Sugar 

Grove, Illinois, to engage de novo in lending 

through a newly established subsidiary, 

American Heartland Holdings, LLC, Sugar 

Grove, Illinois.

AMERICAN HEARTLAND 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Chemical Bank, Midland, Michigan, to purchase 

the assets and assume the liabilities of 21 

branches of Independent Bank, Ionia, Michigan, 

and thereby establish 21 branches.

CHEMICAL BANK

Newspaper:

Federal Register:

CIC 09/05/2012

09/11/2012

Notice by Jeffrey D. Snyder, individually and 

acting in concert with Rhonda R. Snyder, both 

of Baileyville, Illinois, to gain control of High 

Point Financial Services, Inc., Forreston, Illinois, 

and thereby indirectly control Forreston State 

Bank, Forreston, Illinois, and Kent Bank, Kent, 

Illinois.

HIGH POINT FINANCIAL 

SERVICES, 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 Fourth Quarter of 2012 (October 1, 2012 - December 31, 2012)

Institution Location

* Subject to the provisions of the Community Reinvestment Act
District: 8

Federal Reserve Bank of St. Louis

Filings received during the week ending August 25, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

08/22/2012

09/21/2012

Home BancShares, Inc., Conway, Arkansas, to 

acquire 100 percent of Premier Bank, 

Tallahassee, Florida. Also Centennial Bank, 

Conway, Arkansas, to merge with Premier Bank 

Tallahassee, Florida, and to retain the acquired 

facilities as branch offices.

HOME BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 09/05/2012

09/11/2012

Notice by Barbara K. Ferry, Nevada, Missouri, 

to formally assume voting power of the common 

shares of Mid-Missouri Bancshares, Inc., 

Springfield, Missouri, that are held by the L. 

Ingles Ferry Trust A, Barbara Fowler Ferry 

Trust, Hubert L. Fowler Trust, and the 

Marguerite Fowler Trust.

MID-MISSOURI BANCSHARES, 

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 Fourth Quarter of 2012 (October 1, 2012 - December 31, 2012)

Institution Location

BANK OF CAIRO & MOBERLY MOBERLY, MISSOURI

BANK OF HILLSBORO HILLSBORO, MISSOURI

BANK OF SALEM SALEM, ARKANSAS

BELGRADE ST BK BELGRADE, MISSOURI

CENTURY BK OF THE OZARKS GAINESVILLE, MISSOURI

COMMUNITY FIRST BK MOUNT VERNON, ILLINOIS

FARMERS B&TC BLYTHEVILLE, ARKANSAS

FAYETTE COUNTY BK SAINT ELMO, ILLINOIS

FIRST CMNTY BK MARION, ARKANSAS

MAGNA BK MEMPHIS, TENNESSEE

SOUTHERN BANCORP BK ARKADELPHIA, ARKANSAS

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending August 25, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/06/2012

American Bancor, Ltd., Dickinson, North 

Dakota, to acquire 100 percent of North Country 

Bank, National Association, McClusky, North 

Dakota.

AMERICAN BANCOR, LTD.

Newspaper:

Federal Register:

* 3A3 Not available

09/07/2012

Frandsen Financial Corporation, Arden Hills, 

Minnesota, to acquire 100% of Clinton State 

Bank, Clinton, Minnesota.

FRANDSEN FINANCIAL 

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 Fourth Quarter of 2012 (October 1, 2012 - December 31, 2012)

Institution Location

CENTRAL SVG BK SAULT SAINTE MARIE, MICHIGAN

FIRST MT BK LIBBY, MONTANA

FIRST ST BK SOUTHWEST PIPESTONE, MINNESOTA

VALLEY BK OF RONAN RONAN, MONTANA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 25, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8 Not available

* 18C

* Branch

09/21/2012

American Bancorporation, Inc., Sapulpa, 

Oklahoma, to acquire Osage Bancshares, Inc., 

parent of Osage Federal Bank, both in 

Pawhuska, Oklahoma, and thereby engage in 

the operation of a savings association. 

American Heritage Bank, Sapulpa, Oklahoma, to 

merge with Osage Federal Bank, Pawhuska, 

Oklahoma, and incident thereto, to establish 

branches in Barnsdale, Bartlesville, and 

Pawhuska, Oklahoma.

AMERICAN 

BANCORPORATION, INC.

Newspaper:

Federal Register:

* 3A3 Not available

09/07/2012

American National Corporation, Omaha, 

Nebraska, to acquire 100 percent of the voting 

shares of Western Bank, St. Paul, Minnesota.

AMERICAN NATIONAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

09/06/2012

Notification by Randal S. Shannon, Drexel, 

Missouri, to acquire control of Bates County 

Bancshares, Inc., parent of Security Bank, both 

in Rich Hill, Missouri.

BATES COUNTY BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC 08/23/2012

08/27/2012

Notice by Tom Saunders, Douglas, Wyoming, 

to retain control of Converse County Capital 

Corporation, parent of Converse County Bank, 

both in Douglas, Wyoming. In addition, 

Brittanie Ann Saunders Trust, Marissa Kay 

Saunders Trust, Rachel Christine Saunders 

Trust, Emma Nichole Saunders Trust, Benjamin 

Don Saunders Trust, Garret Alexander Saunders 

Trust, Madison Ann Saunders Trust, Rebecca 

Ann Lutter Trust, Claire Elizabeth Lutter Trust, 

and Hallie Ann Lutter Trust, all of Douglas, 

Wyoming, as members of the Saunders Family 

Group acting in concert, to retain control of 

Converse County Capital Corporation, parent of 

Converse County Bank, both in Douglas, 

Wyoming.

CONVERSE COUNTY CAPITAL 

CORPORATION

* 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 Fourth Quarter of 2012 (October 1, 2012 - December 31, 2012)

Institution Location

AMERICAN HERITAGE BK SAPULPA, OKLAHOMA

ANADARKO B&TC ANADARKO, OKLAHOMA

BANK OF HOLYROOD HOLYROOD, KANSAS

CALDWELL ST BK IN CALDWELL KS CALDWELL, KANSAS

COLORADO CMNTY BK YUMA, COLORADO

FARMERS BK NORTHERN MO NA UNIONVILLE, MISSOURI

FIRST AMERICAN ST BK GREENWOOD VILLAGE, COLORADO

FIRST ST BK WHEATLAND, WYOMING

FIVE POINTS BK GRAND ISLAND, NEBRASKA

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 25, 2012

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 branch to be located at 1912 Main 

Street, Madison, Mississippi 39110.

COMMUNITY TRUST BANK

Newspaper:

Federal Register:

* 3A3 09/14/2012

09/13/2012

HaleCo Bancshares, Inc., Plainview, Texas, to 

acquire 100 percent of LubCo Bancshares, Inc., 

Slaton, Texas, and thereby indirectly acquire 100 

percent of the outstanding shares of Citizens 

Bank, Slaton, Texas.

HALECO 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 Fourth Quarter of 2012 (October 1, 2012 - December 31, 2012)

Institution Location

HCSB ST BKG ASSN PLAINVIEW, TEXAS

INDEPENDENT BK OF TX IRVING, TEXAS

VISTA BK RALLS, TEXAS

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

Federal Reserve Bank of San Francisco

Filings received during the week ending August 25, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Gapstow Capital Partners, L.P.; CJA Private 

Equity Financial Restructuring Master Fund I, 

L.P.; CJA Private Equity Financial Restructuring 

Fund I, Ltd. and its investors; CJA Private 

Equity Financial Restructuring GP I, Ltd.; 

Christopher J. Acito & Associates GP, LLC; 

Christopher J. Acito; and Jack T. Thompson; all 

of New York, New York; and Timothy S.F. 

Jackson, Newtown, Connecticut, to acquire up 

to 24.9 percent of Oregon Pacific Bancorp, 

Florence, Oregon.

OREGON PACIFIC BANCORP

Newspaper:

Federal Register:

* 3A5 Not available

4c8 Not available

Western Alliance Bancorporation, Phoenix, 

Arizona, to merge with Western Liberty 

Bancorp, and thereby indirectly acquire its 

subsidiary bank, Service1st Bank of Nevada, 

both of Las Vegas, Nevada; and 2) Western 

Alliance Bancorporation, Phoenix, Arizona, to 

acquire Las Vegas Sunset Properties, Las 

Vegas, Nevada, and thereby engage in 

extending credit and servicing loans, pursuant 

to section 225.28 (b)(1) of Regulation Y.

WESTERN ALLIANCE 

BANCORPORATION

* 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 Fourth Quarter of 2012 (October 1, 2012 - December 31, 2012)

Institution Location

BANK OF SACRAMENTO SACRAMENTO, CALIFORNIA

UNITED SCTY BK FRESNO, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act