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 24, 2013

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

Fentura Financial, Inc., Fenton, Michigan -- written agreement dated November 4,

2010, terminated July 31, 2013.

- Announced, August 22, 2013

H.2 Board Actions August 18, 2013 to August 24, 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

August 18, 2013 to August 24, 2013

MA Monetary Affairs

Bank Branches, Domestic

Bank of Hawaii, Honolulu, Hawaii -- to establish a branch at 1288 Ala Moana

Boulevard, Honolulu.

Secretary

- Approved, August 19, 2013

Citizens Bank of Kansas, Kingman, Kansas -- to establish branches at 711 Roach

Street, Salina, and 615 East 47th Street South, Wichita.

Kansas City

- Approved, August 22, 2013

FirstBank, Lakewood, Colorado -- to establish a branch at 5885 West Bell Road,

Glendale, Arizona.

Kansas City

- Approved, August 23, 2013

Frost Bank, San Antonio, Texas -- to establish branches at 1204A West 38th Street,

Austin, and at the intersection of Promenade Boulevard and U.S. Highway 90,

Stafford (two applications).

Dallas

- Withdrawn, August 23, 2013

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

CNB Financial Corporation, Clearfield, Pennsylvania -- waiver of application to

acquire FC Banc Corp, Bucyrus, Ohio, in connection with the merger of their

respective subsidiaries, CNB Bank, Clearfield, and The Farmers Citizens Bank,

Bucyrus.

Philadelphia

- Granted, August 22, 2013

First American Bank Corporation, Elk Grove Village, Illinois -- to acquire shares of

PNA Bank, Chicago, through the merger of PNA Bank with and into First American

Bank, Elk Grove Village, and thereby operate a savings association.

Chicago

- Withdrawn, August 20, 2013

First BanCorp, Inc., San Juan, Puerto Rico -- request for an exemption under the

Depository Institution Management Interlocks Act and Regulation L.

General Counsel

- Granted, August 19, 2013

German American Bancorp, Inc., Jasper, Indiana -- waiver of application to acquire

United Commerce Bancorp, Bloomington, in connection with the merger of their

respective subsidiaries, German American Bancorp, Jasper, and United Commerce

Bank, Bloomington.

St. Louis

- Granted, August 23, 2013

H.2 Actions under delegated authority August 18, 2013 to August 24, 2013

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

Haven Bancorp, Inc., Hoboken, New Jersey, and Haven Bancorp, MHC -- waiver of

application to acquire Hilltop Community Bancorp, Inc., Summit, in connection with

the merger of their respective subsidiaries, Haven Savings Bank, Hoboken, and

Hilltop Community Bank, Summit.

New York

- Granted, August 23, 2013

Lake Shore III Corporation, Glenwood City, Wisconsin -- to acquire Union Bank of

Blair, Blair.

Minneapolis

- Returned, August 21, 2013

Bank Mergers

Clear Lake Bank and Trust Company, Clear Lake, Iowa -- to purchase certain assets

and assume certain deposit liabilities of Community National Bank, Waterloo, and

thereby establish two branches in Mason City.

Secretary

- Approved, August 21, 2013

Southern Bank, Poplar Bluff, Missouri -- to merge with Bank of Thayer, Thayer, and

to retain the acquired facilities as branches.

St. Louis

- Approved, August 22, 2013

H.2 Actions under delegated authority August 18, 2013 to August 24, 2013

(A/C) = Addition or Correction Delegated - 3 of 5
Change in Bank Control

Florida Capital Group, Inc., Jacksonville, Florida -- change in bank control of Florida

Capital Group and its subsidiary, Florida Capital Bank, National Association,

Jacksonville.

Atlanta

- Permitted, August 23, 2013

Louisiana Bancorp, Inc., Metairie, Louisiana -- change in bank control of Louisiana

Bancorp and its subsidiary, Bank of New Orleans, Metairie.

Atlanta

- Permitted, August 19, 2013

Park Bank Corporation of Duluth, Duluth, Minnesota -- to retain control of Park

Bank Corporation of Duluth and its subsidiary, Park State Bank, Duluth.

Minneapolis

- Permitted, August 23, 2013

Progressive Bancorp, Inc., Monroe, Louisiana -- change in bank control of

Progressive Bancorp and its subsidiary, Progressive Bank, Monroe.

Dallas

- Withdrawn, August 19, 2013

Extensions of Time

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri -- extension

to November 22, 2013, to acquire additional shares of Cabool Bancshares, Inc.,

Cabool, and thereby increase its indirect control of Cabool State Bank.

St. Louis

- Granted, August 20, 2013

H.2 Actions under delegated authority August 18, 2013 to August 24, 2013

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

Citigroup Inc., New York, New York -- request for an extension to retain certain

properties held by indirect subsidiaries in Guatemala, El Salvador, Honduras, and

Mexico.

Director, BS&R

- Granted, August 22, 2013

United Bankshares, Inc., Charleston, West Virginia, and George Mason Bankshares,

Inc., Fairfax, Virginia -- commenter's request to extend the comment periods on the

applications to acquire Virginia Commerce Bancorp, Inc., Arlington, Virginia, and to

merge their subsidiary banks, United Bank, Fairfax, and Virginia Commerce Bank,

Arlington.

Secretary

- Denied, August 20, 2013

Membership

First State Bank, Russellville, Arkansas -- to become a member of the Federal

Reserve System.

St. Louis

- Approved, August 20, 2013

H.2 Actions under delegated authority August 18, 2013 to August 24, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending August 24, 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 Fourth Quarter of 2013 (October 1, 2013 - December 31, 2013)

Institution Location

CHELSEA BK CHELSEA, MASSACHUSETTS

EAST CAMBRIDGE SVG BK CAMBRIDGE, MASSACHUSETTS

FRANKLIN SVG BK FARMINGTON, MAINE

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

Federal Reserve Bank of New York

Filings received during the week ending August 24, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 2013 (October 1, 2013 - December 31, 2013)

Institution Location

SOLVAY BK SOLVAY, 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 24, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Jane Anne Ferrier, San Diego, CA, individually, 

and as trustee and sole beneficiary of the Ferrier 

Family Trust 2; Thomas L. Ferrier and Jane A. 

Ferrier, San Diego, CA, individually and as 

trustees and beneficiaries of the Ferrier Family 

Trust 3; Sharon F. Risse, San Diego, CA, 

individually and as trustee and sole beneficiary 

of the Sharon Risse Trust; Andrew P. Ferrier, 

San Francisco, CA, individually and as trustee 

and sole beneficiary of the Andrew Ferrier 

Trust; all together a group acting in concert, to 

acquire 10.46 percent of First Community 

Financial Corporation, Mifflintown, 

Pennsylvania

FIRST COMMUNITY 

FINANCIAL CORPORATION

* 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 2013 (October 1, 2013 - December 31, 2013)

Institution Location

AMERISERV FNCL BK JOHNSTOWN, PENNSYLVANIA

FLEETWOOD BK FLEETWOOD, PENNSYLVANIA

MONUMENT BK DOYLESTOWN, PENNSYLVANIA

NEW TRIPOLI BK NEW TRIPOLI, PENNSYLVANIA

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

Federal Reserve Bank of Cleveland

Filings received during the week ending August 24, 2013

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 Fourth Quarter of 2013 (October 1, 2013 - December 31, 2013)

Institution Location

CORTLAND SVG & BKG CO CORTLAND, OHIO

OHIO HERITAGE BK COSHOCTON, OHIO

RICHWOOD BKG CO RICHWOOD, OHIO

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

Federal Reserve Bank of Richmond

Filings received during the week ending August 24, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC

Not available

Mr. Kenneth Ray Lehman of Arlington, Virginia, 09/06/2013

to acquire 40% of Delmar Bancorp, Salisbury, 

Maryland.

DELMAR BANCORP

Newspaper:

Federal Register:

CIC Not available

Not available

Harold Lynn Keene, H.L. Keene, L.L.C., Arbutus 

Keene, The Harold Lynn Keene Trust, Charlotte 

Keene, and Elizabeth Keene, all of Lebanon, 

Virginia, as group acting in concert, to retain 

control of New Peoples Bankshares, Inc., 

Honaker, Virginia.

NEW PEOPLES BANKSHARES, 

INC.

Newspaper:

Federal Register:

* 3A5 09/23/2013

09/20/2013

Union First Market Bankshares Corporation, 

Richmond, Virginia, to acquire 100% of the 

voting securities of StellarOne Corporation, 

Charlottesville, Virginia, and thereby indirectly 

acquire StellarOne Bank, Christiansburg, 

Virginia.

UNION FIRST MARKET 

BANKSHARES CORPORATION

Newspaper:

Federal Register:

* 4c8 Not available

09/19/2013

Western Acquisition Partners LLC, 

Washington, D.C. (to be relocated and renamed 

H Bancorp, Columbia, Maryland) proposes to: 

1) acquire 22.83% of the voting securities of 

Carrollton Bancorp, Lutherville, Maryland, and 

thereby indirectly acquire a controlling interest 

in Bay Bank, FSB, Lutherville, Maryland; and 2) 

acquire 6.84% of FirstAtlantic Financial 

Holdings, Inc., Jacksonville, Florida, and 

thereby indirectly acquire a similar interest in 

FirstAtlantic Bank, Jacksonville, Florida.

WESTERN ACQUISITIONS, 

L.L.C.

* 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 2013 (October 1, 2013 - December 31, 2013)

Institution Location

FIRST B&TC LEBANON, VIRGINIA

FIRST SENTINEL BK RICHLANDS, VIRGINIA

GREAT ST BK WILKESBORO, NORTH CAROLINA

HERITAGE BK NORFOLK, VIRGINIA

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

Federal Reserve Bank of Atlanta

Filings received during the week ending August 24, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

08/08/2013

Banco De Credito E Inversiones, Empresas Juan 

Yarur S.A.C., Inversiones Petro S.A., 

Inversiones Baquio LTDA., Inversiones Nueve 

LTDA., and Administraciones Baquio LTDA., 

all of Santiago, Chile, to become bank holding 

companies by acquiring 100 percent of CM 

Florida Holdings, Inc., Coral Gables, Florida, and 

its subsidiary, City National Bank of Florida, 

Miami, Florida.

BANCO DE CREDITO E 

INVERSIONES S.A.

Newspaper:

Federal Register:

* 3A5 Not available

Not available

CenterState Banks, Inc., Davenport, Florida, to 

merge with Gulfstream Bancshares, Inc., and 

thereby acquire its subsidiary, Gulfstream 

Business Bank, both of Stuart, Florida.

CENTERSTATE BANKS, INC.

Newspaper:

Federal Register:

* 3A1 09/05/2013

09/12/2013

First Florida Bancorp, Inc., to become a bank 

holding company by acquiring 100 percent of 

the outstanding shares of First Florida Bank, 

both of Destin, Florida.

FIRST FLORIDA BANCORP, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

IBERIABANK, Lafayette, Louisiana, to 08/26/2013

establish a branch located at 1801 4th Avenue 

South, Suite, Birmingham, Alabama 35233, to be 

known as the UAB Medical Center Branch

IBERIABANK

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

NCG Banco, S.A., A Coruna, Spain, to establish 

an international representative-administrative 

office located in Miami, Florida.

NCG BANCO, S.A.

* 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 2013 (October 1, 2013 - December 31, 2013)

Institution Location

BANK INDEP SHEFFIELD, ALABAMA

COMPASS BK BIRMINGHAM, ALABAMA

FLORIDA BK TAMPA, FLORIDA

INSBANK NASHVILLE, TENNESSEE

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 24, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Cedar Rapids Bank and Trust Company, Cedar 

Rapids, Iowa, to merge with Community 

National Bank, Waterloo, Iowa. As a result of 

the proposed merger,Cedar Rapids Bank and 

Trust Company will establish a branch at: 422 

Commercial Street, Waterloo, Iowa; 11 Tower 

Park Drive, Waterloo, Iowa; 2322 West 1st 

Street, Cedar Falls, Iowa; and 6004 University 

Avenue, Cedar Falls, Iowa.

CEDAR RAPIDS BANK AND 

TRUST COMPANY

Newspaper:

Federal Register:

CIC

Not available

Members of the Irish and Hodgson family which 08/22/2013

include: Ann Kennedy Irish, Harbor Springs, 

Michigan; Ann Kennedy Irish, Harbor Springs, 

Michigan, as trustee of the Ann Kennedy Irish 

Trust; the Ann Kennedy Irish Trust, Harbor 

Springs, Michigan; David H. Irish, Harbor 

Springs, Michigan, as trustee of the David H. 

Irish Trust; the David H. Irish Trust, Harbor 

Springs, Michigan; Tracy Irish Texter, 

Middleville, Michigan; Tracy Irish Texter, 

Middleville, Michigan and John F. Texter, 

Middleville, Michigan, as trustees of the John F. 

Texter and Tracy I. Texter Trust; the John F. 

Texter and Tracy I. Texter Trust, Middleville, 

Michigan; Susan Irish Stewart, Harbor Springs, 

Michigan, as trustee of the Susan Irish Stewart 

Revocable Intervivos Trust; the Susan Irish 

Stewart Revocable Intervivos Trust, Harbor 

Springs, Michigan; Colin David Irish, 

Marquette, Michigan; Perry Irish Hodgson, 

Charlevoix, Michigan; Liam Foster Hodgson, 

Beaver Island, Michigan; Alexander Irish 

Hodgson, Charlevoix, Michigan; and Raymond 

Earhart Hodgson, Charlevoix, Michigan, to be 

added to the Hodgson Family Control Group 

and to thereby retain control of 25 percent or 

more of Charlevoix First Corporation, 

Charlevoix, Michigan and indirectly Charlevoix 

State Bank, Charlevoix, Michigan.

CHARLEVOIX FIRST 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Jay D. Bergman, Joliet, Illinois, to acquire up to 

100 percent of the outstanding voting stock of 

Community Holdings Corp., Palos Hills, Illinois.

COMMUNITY HOLDINGS 

CORPORATION

Newspaper:

Federal Register:

CIC 08/29/2013

08/28/2013

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.

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

Federal Reserve Bank of Chicago

Filings received during the week ending August 24, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/03/2013

Charles M. Shea, of Wilmette, Illinois, as an 

individual, and the group consisting of JP 

Morgan Chase Bank, N.A., Naperville, Illinois, 

as Trustee of the Jerry C. Bradshaw Family 

Trust-GST Non-Exempt Trust, Naperville, 

Illinois, and the Jerry C. Bradshaw Family TrustGST Exempt Trust, Naperville, Illinois; Charles 

M. Shea, Wilmette, Illinois, as a committee 

member of the Jerry C. Bradshaw Family TrustGST Non-Exempt Trust and the Jerry C. 

Bradshaw Family Trust-GST Exempt Trust; 

Molly Baed, Wassenaar, Netherlands, as a 

committee member of the Jerry C. Bradshaw 

Family Trust - GST Non-Exempt Trust and the 

Jerry C. Bradshaw Family Trust - GST Exempt 

Trust; Betty J. Bradshaw, Wheaton, Illinois, as a 

committee member of the Jerry C. Bradshaw 

Family Trust - GST Non-Exempt Trust and the 

Jerry C. Bradshaw Family Trust- GST Exempt 

Trust, to retain control of the outstanding 

shares of Marseilles Bancorporation, Inc., 

Marseilles, Illinois. Marseilles Bancorporation, 

Inc., Marseilles, Illinois, controls Marseilles 

Bank, Marseilles, Illinois.

MARSEILLES 

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by the McKee Family Trust to transfer 

shares of Midstate Financial Corp., 

Brownsburg, Indiana, into the McKee Family 

Trust with David H. McKee, not individually, 

but solely as Special Voting Trustee.

MIDSTATE FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

Not applicable

North Shore Community Bank & Trust 

Company, Wilmette, Illinois, to merge with or 

purchase the assets and assume the liabilities of 

Diamond Bank, FSB, Schaumburg, Illinois.

NORTH SHORE COMMUNITY 

BANK & TRUST COMPANY

Newspaper:

Federal Register:

* 4c8

* 18C

* Branch

09/16/2013

09/19/2013

Wintrust Financial Corporation, Rosemont, 

Illinois, to merge with Diamond Bancorp, Inc., 

Schaumburg, Illinois, and thereby indirectly 

acquire Diamond Bank, FSB, Schaumburg, 

Illinois, and thereby operate a savings 

association, and by North Shore Community 

Bank and Trust Company, Wilmette, Illinois, to 

merge with Diamond Bank, FSB, Schaumburg, 

Illinois, and thereby to establish branches.

WINTRUST FINANCIAL 

CORPORATION

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

Federal Reserve Bank of Chicago

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 2938198 NORTHBROOK B&TC, NORTHBROOK, ILLINOIS 03/25/2013 08/11/2013 S Large Bank

 590248 TOWN & COUNTRY BK, SPRINGFIELD, ILLINOIS 03/25/2013 08/17/2013 O Small Bank

CRA Examinations scheduled for Fourth Quarter of 2013 (October 1, 2013 - December 31, 2013)

Institution Location

CENTRAL ST BK MUSCATINE, IOWA

DEMOTTE ST BK DEMOTTE, INDIANA

FARMERS ST BK BROOKSTON, INDIANA

GARRETT ST BK GARRETT, INDIANA

HARTSBURG ST BK HARTSBURG, ILLINOIS

HENDRICKS CTY B&TC BROWNSBURG, INDIANA

ISABELLA BK MOUNT PLEASANT, MICHIGAN

PINNACLE BK MARSHALLTOWN, IOWA

SAINT ANSGAR ST BK SAINT ANSGAR, IOWA

SECURITY SVG BK GOWRIE, IOWA

WHEATON B&TC WHEATON, ILLINOIS

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

Federal Reserve Bank of St. Louis

Filings received during the week ending August 24, 2013

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

 646145 CASEY COUNTY BK, LIBERTY, KENTUCKY 05/13/2013 08/12/2013 S Small Bank

CRA Examinations scheduled for Fourth Quarter of 2013 (October 1, 2013 - December 31, 2013)

Institution Location

FARMERS B&TC MAGNOLIA, ARKANSAS

FIRST ST B&TC CARUTHERSVILLE, MISSOURI

MIDLAND ST BK EFFINGHAM, ILLINOIS

OAKSTAR BK SPRINGFIELD, MISSOURI

PETIT JEAN ST BK MORRILTON, ARKANSAS

PROGRESSIVE OZARK BK SALEM, MISSOURI

SIMMONS FIRST BK OF SEARCY SEARCY, ARKANSAS

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending August 24, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/09/2013

09/03/2013

Change in Control Notice by Jay Charles Erie, 

Rochester, Minnesota, John Kenneth Erie, 

Fargo, North Dakota, and Jane Kathryn Erie 

Moen, Eden Prairie, Minnesota, to retain voting 

shares of MEDR Bancshares, Inc., Erskine, 

Minnesota, and join the Erie Family Shareholder 

group which owns 25 percent or more of MEDR 

Bancshares, Inc., and thereby indirectly 

controls American State Bank of Erskine, 

Erskine, Minnesota.

MEDR BANCSHARES, INC.

Newspaper:

Federal Register:

CIC 09/05/2013

09/06/2013

Change in Control notice by Krista B. Ryan, 

individually and as trustee of the KBR 2008 

Irrevocable Trust, Byron, Minnesota, to acquire 

25 percent or more of the voting shares of 

Olmsted Bancorporation, Inc., Byron, 

Minnesota, and thereby indirectly gain control 

of First Security Bank, Byron, Minnesota.

OLMSTED BANCORPORATION, 

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

 988658 FARMERS ST BK OF MADELIA, MADELIA, MINNESOTA 04/08/2013 08/14/2013 O Small Bank

CRA Examinations scheduled for Fourth Quarter of 2013 (October 1, 2013 - December 31, 2013)

Institution Location

CITIZENS B&TC BIG TIMBER, MONTANA

DAKOTA WESTERN BK BOWMAN, NORTH DAKOTA

FARMERS ST BK OF WEST CONCORD WEST CONCORD, MINNESOTA

HEARTLAND ST BK EDGELEY, NORTH DAKOTA

NORTHWESTERN BK CHIPPEWA FALLS, WISCONSIN

PROFINIUM FNCL TRUMAN, MINNESOTA

UNITED BKR BK BLOOMINGTON, MINNESOTA

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

Federal Reserve Bank of Kansas City

Filings received during the week ending August 24, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/01/2013

09/03/2013

Notification by the Jennifer L. Wolgamott 2012 

Legacy Trust, Cathleen R. Hefti, as trustee and 

individually, both of Scottsbluff, Nebraska; the 

Christie L. Coletti Christensen 2012 Legacy 

Trust and the Michael P. Coletti 2012 Legacy 

Trust, both of Greeley, Colorado; and the Kay 

Lorraine Hefti Coletti Living Trust, Kay L. 

Coletti and David C. Coletti, trustees, all of 

Cheyenne, Wyoming; to acquire control of First 

State Bancshares, Inc., parent of First State 

Bank, both of Scottsbluff, Nebraska, and 

Security First Bank, Cheyenne, Wyoming.

FIRST STATE BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC 09/11/2013

09/05/2013

Notification by Scott R. Bird and Sheryl L. Bird, 

to retain control of KansasLand Bancshares, 

Inc., parent of KansasLand Bank, all of Quinter, 

Kansas.

KANSASLAND BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Clea Alsip, Brooklyn, New York; Patti Janese 

Hager, Edmond, Oklahoma; Zela Mae Hanson, 

Tulsa, Oklahoma; Patricia Ann McCortney, 

Farmers Branch, Texas; Vicki Lynn Patton, Ada, 

Oklahoma; Jerry Scott Grandchildren?s Trust, 

Ada, Oklahoma; Kamberly Dawn or Richard 

Clay Skoch, Yukon, Oklahoma; and Tammy Key, 

Sulphur, Oklahoma, as shareholders and 

members to the Vision Bancshares, Inc. Voting 

Agreement, to retain common voting shares of 

Vision Bancshares, Inc., and thereby indirectly 

retain voting shares of Vision Bank, National 

Association, both in 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

 327556 ANCHOR D BK, TEXHOMA, OKLAHOMA 05/13/2013 08/12/2013 S Small Bank

 993250 FIRST CMNTY BK, BEEMER, NEBRASKA 05/13/2013 08/09/2013 S Small Bank

 1187001 INTERBANK, OKLAHOMA CITY, OKLAHOMA 04/29/2013 08/08/2013 S Large Bank

CRA Examinations scheduled for Fourth Quarter of 2013 (October 1, 2013 - December 31, 2013)

Institution Location

AMERISTATE BK ATOKA, OKLAHOMA

BANK OF JACKSON HOLE JACKSON, WYOMING

CENTENNIAL BK CENTENNIAL, COLORADO

CITIZENS B&TC OF ARDMORE ARDMORE, OKLAHOMA

CITIZENS BK OF EDMOND EDMOND, OKLAHOMA

FIRST ST BK NE LINCOLN, NEBRASKA

FIRSTBANK ANTLERS, OKLAHOMA

FIRSTBANK LAKEWOOD, COLORADO

FREEDOM BK OKLAHOMA TULSA, OKLAHOMA

PEOPLES EXCH BK BELLEVILLE, KANSAS

PLATTE VALLEY ST B&TC KEARNEY, NEBRASKA

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 24, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 08/13/2013

Ford Financial Fund II, L.P., Ford Management 

II, L.P., Ford Ultimate Management II, LLC, 2009 

TCRT, GJF Financial Management II, LLC, Ford 

Fund Investment LP, and LR Acquisition 

Company LLC, all of Dallas, Texas, each to 

become a bank holding company by directly or 

indirectly acquiring control of Metropolitan 

National Bank, Little Rock, Arkansas. 

Additionally, 2009 TCRT; GJF Financial 

Management II, LLC; Ford Ultimate 

Management II, LLC; and Ford Management II, 

L.P., all of Dallas, Texas, propose to engage de 

novo in financial and investment advisory 

activities pursuant to Section 225.28(b)(6) of 

Regulation Y.

2009 TCRT

Newspaper:

Federal Register:

CIC 09/09/2013

09/06/2013

Richard John Forrest, Sr., individually, as 

Trustee of the Richard J. Forrest, Sr. and Betty J. 

Forrest Revocable Trust, and as Trustee of the 

Forrest Tire Company, Inc. Profit Sharing Plan; 

Betty J. Forrest, individually and as Trustee of 

the Richard J. Forrest, Sr. and Betty J. Forrest 

Revocable Trust; Robert Hudnall Forrest, Sr., 

individually, as Trustee of the Robert H. Forrest, 

Sr. and Barbara J. Forrest Revocable Trust and 

as Trustee of the Forrest Tire Company, Inc. 

Profit Sharing Plan; Barbara J. Forrest, 

individually and as Trustee of the Robert H. 

Forrest, Sr. and Barbara J. Forrest Revocable 

Trust; Robert Hudnall Forrest, Jr., individually 

and as Trustee of the Forrest Tire Company, 

Inc. Profit Sharing Plan; Brenda Elaine Forrest, 

individually; Richard John Forrest, Jr., as 

Trustee of the Forrest Tire Company, Inc. Profit 

Sharing Plan; the Forrest Tire Company, Inc. 

Profit Sharing Plan, all of Carlsbad, New Mexico, 

and Michael Dale Forrest, individually and 

JoAnn Forrest, individually, both of Odessa, 

Texas, all together a group acting in concert, to 

acquire 25 percent or more of Carlsbad 

Bancorporation, Inc., Carlsbad, New Mexico, 

and indirectly, Carlsbad National Bank, 

Carlsbad, New Mexico.

CARLSBAD 

BANCORPORATION, INC.

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

Federal Reserve Bank of Dallas

Filings received during the week ending August 24, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

08/29/2013

Retroactive notice by James A. Hopson, Delhi, 

Louisiana; W. Briggs Hopson, MD, Vicksburg, 

Mississippi; W. Briggs Hopson, III, Vicksburg, 

Mississippi; James W. Hopson, Vicksburg, 

Mississippi; Stacey Hopson Burgess, Haltom 

City, Texas; David Doughty, Rayville, 

Louisiana; Suzette Hopson Doughty, Rayville, 

Louisiana; James O. Doughty, Rayville, 

Louisiana; Mary C. Doughty, Rayville, 

Louisiana; and Mary K. Ricks, Vicksburg, 

Mississippi; collectively a group acting in 

concert, to control, retain, and acquire more 

than 25 percent of Delhi Bancshares, Inc., Delhi, 

Louisiana, and indirectly, Guaranty Bank & 

Trust Company of Delhi, Louisiana, Delhi, 

Louisiana.

DELHI BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Frost Bank, San Antonio, Texas, to establish a 08/24/2013

branch to be located at 10767 Kuykendahl Road, 

The Woodlands, Texas 77382-2772.

FROST BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Frost Bank, San Antonio, Texas, to establish a 08/24/2013

branch to be located at 6319 Hillcrest Avenue, 

Suite 400, Dallas, Texas 78205-1850.

FROST BANK

Newspaper:

Federal Register:

4c8 Not applicable

09/11/2013

Retroactive notice by Rio Financial Services, 

Inc., McAllen, Texas, to engage de novo 

through its wholly owned subsidiary, Rio 

Financial Holdings, Inc., McAllen, Texas, in 

lending activities and activities related to 

extending credit pursuant to Sections 225.28(b)

(1) and (b)(2) of Regulation Y, respectively, 

through the acquisition of loans from its 

subsidiary bank, Rio Bank, McAllen, Texas.

RIO FINANCIAL SERVICES, 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 2013 (October 1, 2013 - December 31, 2013)

Institution Location

AMERICAN ST BK ARP, TEXAS

COMMUNITY TR BK CHOUDRANT, LOUISIANA

FIRST BK MULESHOE, TEXAS

TRANSPECOS BANKS PECOS, TEXAS

VERITEX CMNTY BK DALLAS, 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 24, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/15/2013

CBOA Financial, Inc., Tucson, Arizona, to 

acquire First Scottsdale Bank, National 

Association, Scottsdale, Arizona.

CBOA FINANCIAL, INC.

Newspaper:

Federal Register:

* 3A3 Not available

09/19/2013

Wilshire Bancorp, Inc., Los Angeles, California, 

to acquire Saehan Bancorp, and thereby 

indirectly acquire voting shares of Saehan Bank, 

both of Los Angeles, California.

WILSHIRE BANCORP, INC.

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

Federal Reserve Bank of San Francisco

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 808167 NORTH VALLEY BK, REDDING, CALIFORNIA 07/26/2010 08/06/2013 NI Int Sm Bank

CRA Examinations scheduled for Fourth Quarter of 2013 (October 1, 2013 - December 31, 2013)

Institution Location

COMMENCEMENT BK TACOMA, WASHINGTON

PACIFIC CMRC BK LOS ANGELES, CALIFORNIA

PACIFIC PREMIER BK IRVINE, CALIFORNIA

SILVERGATE BK LA JOLLA, CALIFORNIA

* Subject to the provisions of the Community Reinvestment Act