Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 15 

Week Ending April 13, 2013

Board of Governors of the Federal Reserve System, Washington, DC 20551
Testimony and Statements

Independent Consultants -- statement by Richard Ashton, deputy general counsel, 

before a subcommittee of the Senate Committee on Banking, Housing, and Urban 

Affairs about the use of third-party consulting firms in Federal Reserve enforcement 

actions.

- Published, April 11, 2013

Forms

Forms -- initial Board review to extend without revision the Reporting and 

Disclosure Requirements Associated with the Policy on Payments System Risk 

(FR 4102) and to extend with revision the Transfer Agent Registration and 

Amendment Form (FR TA-1).

- Proposed, April 8, 2013

Personnel

Management Division -- appointments of Marie Savoy as senior associate director 

and David Harmon as deputy director and chief human capital officer, effective 

April 7, 2013.

- Announced, April 8, 2013

Office of the Chief Operating Officer -- appointment of Micheline Casey as chief 

data officer and Sandra Cannon as deputy chief data officer.

- Approved, April 8, 2013

Regulations and Policies

Regulation QQ (Resolution Plans) -- interagency guidance and extension of filing 

date for submission of resolution plans for the banking organizations that submitted 

initial resolution plans in 2012, in accordance with the Dodd-Frank Act.

- Approved, April 12, 2013

H.2 Board Actions April 7, 2013 to April 13, 2013

(A/C) = Addition or Correction Board - Page 1 of 2
Regulations and Policies

Regulation TT (Supervision and Regulation Assessments of Fees) -- publication for 

comment of proposed rule to collect assessments for the supervision and regulation 

of bank holding companies and savings and loan holding companies with $50 billion 

or more in total consolidated assets and nonbank financial companies designated for 

Board supervision by the Financial Stability Oversight Council, in accordance with 

the Dodd-Frank Act.

- Approved, April 12, 2013

H.2 Board Actions April 7, 2013 to April 13, 2013

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

April 7, 2013 to April 13, 2013

MA Monetary Affairs

Bank Branches, Domestic

Community Trust Bank, Choudrant, Louisiana -- to establish a branch at 800 Gessner 

Road, Houston, Texas.

Dallas

- Approved, April 9, 2013

Community Trust Bank, Choudrant, Louisiana -- to establish a mobile branch to 

serve the Tarrant County, Texas, area, including the city of Fort Worth.

Dallas

- Approved, April 11, 2013

Heritage Bank of Commerce, San Jose, California -- to establish a branch at 

333 West El Camino Real, Sunnyvale, and to close an office at 175 East El Camino 

Real, Mountain View.

San Francisco

- Approved, April 8, 2013

Bank Holding Companies

Midwest Banco Corporation, Cozad, Nebraska -- waiver of application to acquire 

FNB Financial Services, Inc., Cambridge, in connection with the merger of their 

respective subsidiaries, First Bank and Trust Company, Cozad, and The First 

National Bank of Cambridge, Cambridge.

Kansas City

- Granted, April 11, 2013

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

Midwest Bancshares, Inc., Tyndall, South Dakota -- to acquire Commercial Bank of 

Minnesota, Heron Lake, Minnesota, and to acquire Risk Management Partners, Inc., 

and thereby engage in general insurance agency activities in a town with a population 

not exceeding 5,000.

Minneapolis

- Approved, April 12, 2013

OSB Financial Corporation, Brooklyn, Michigan -- to become a bank holding 

company by acquiring OSB Community Bank, Brooklyn.

Chicago

- Withdrawn, April 9, 2013

QCR Holdings, Inc., Moline, Illinois -- to acquire Community National 

Bancorporation, Waterloo, Iowa, and its subsidiary, Community National Bank.

Chicago

- Approved, April 10, 2013

Texas Heritage Bancshares, Inc., Hondo, Texas -- to acquire Uvalde National Bank, 

Uvalde.

Secretary

- Approved, April 11, 2013

Banks, State Member

Goldman Sachs Bank USA, New York, New York -- to make a public welfare 

investment.

Director, BS&R

- Approved, April 12, 2013

H.2 Actions under delegated authority April 7, 2013 to April 13, 2013

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

Surrey Bancorp, Mount Airy, North Carolina -- change in bank control of Surrey 

Bancorp and its subsidiary, Surrey Bank & Trust, Mount Airy.

Richmond

- Permitted, April 12, 2013

Vision Bancshares, Inc., Ada, Oklahoma -- to retain control of Vision Bancshares 

and its subsidiary, Vision Bank, National Association, Ada.

Kansas City

- Permitted, April 12, 2013

Currency

Federal Reserve Notes -- revision of print order for fiscal year 2013.

Director, RBOPS

- Approved, April 10, 2013

Reserve Bank Operations

Federal Reserve Bank of San Francisco -- capital funding request to complete the 

CashForward project.

Director, RBOPS

- Approved, April 10, 2013

Federal Reserve Bank of San Francisco -- capital funding request to upgrade the 

Banknote Processing System.

Director, RBOPS

- Approved, April 10, 2013

H.2 Actions under delegated authority April 7, 2013 to April 13, 2013

(A/C) = Addition or Correction Delegated - 3 of 4
Savings and Loan Holding Companies

Bay-Vanguard, MHC, Sparrows Point, Maryland, and BV Financial Inc. -- to acquire 

Vigilant Federal Savings Bank, Baltimore.

Richmond

- Approved, April 12, 2013

H.2 Actions under delegated authority April 7, 2013 to April 13, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending April 13, 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 April 13, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Adirondack Bank, Utica, New York, requests to 

establish a branch located at 808 Main Street, 

Sylvan Beach, New York, Oneida County.

ADIRONDACK BANK

Newspaper:

Federal Register:

* 4c8 03/24/2013

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 April 13, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* SLHC 

Formation

05/09/2013

05/10/2013

Employee Stock Ownership Plan of Cenlar 

Capital Corporation, Ewing, NJ, to become a 

savings and loan holding company by retaining 

up to 65% of Cenlar Capital Corporation, Ewing, 

NJ.

EMPLOYEES' STOCK 

OWNERSHIP PLAN OF CENLAR 

CAPITAL CORPORATION

Newspaper:

Federal Register:

* SLHC 

Formation

04/29/2013

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

* 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 April 13, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 04/16/2013

temporay branch during the Marathon Classic 

Golf Tournament, July 18, 2013, through July 21, 

2013, at the Highland Meadows Golf Club, 7455 

Erie Street, Sylvania, OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 04/16/2013

branch at 732 Penn Avenue, Wilkinsburg, PA.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 04/16/2013

branch at 116 West 8th Avenue, Homestead, 

PA.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 

branch at 6571 Broadway Avenue, Unit 8, 

Cleveland, OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 04/16/2013

branch at 9019 Telegraph Road, Redford, MI.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch Not available

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 

branch at 12002 Anderson Road, Tampa, FL.

FIFTH THIRD BANK

Newspaper:

Federal Register:

* Branch

Not applicable

Fifth Third Bank, Cincinnati, OH to establish a 04/16/2013

branch at 2810 Paces Ferry Road SE, Atlanta, 

GA.

FIFTH THIRD BANK

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

* 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 April 13, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/24/2013

04/19/2013

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.

* 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 April 13, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

05/10/2013

1st United Bancorp, Boca Raton, Florida 

(Bancorp), to merge with Enterprise Bancorp, 

Inc., Palm Beach Gardens, Florida, and thereby 

acquire its subsidiary, Enterprise Bank of 

Florida, North Palm Beach, Florida (Bank). In 

addition, Bancorp's subsidiary, 1st United Bank, 

Boca Raton, Florida, will merge with Bank.

1ST UNITED BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 04/29/2013

05/03/2013

Bond Street Management, LLC, along with 

Bond Street Investors, LLC, and Bond Street 

Holdings Inc., all of Weston, Florida, to acquire 

Atlantic Coast Bank, N.A., Waycross, Georgia, 

upon its conversion from a federal savings bank 

to a national bank.

BOND STREET MANAGEMENT, 

LLC

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:

* Branch

Not applicable

First Southern Bank, Boca Raton, Florida, to 05/01/2013

establish a branch located at 901 E. Las Olas, 

Suite 201, Fort Lauderdale, Florida.

FIRST SOUTHERN 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 April 13, 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

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.

Newspaper:

Federal Register:

CIC Not available

04/26/2013

Mr. Leland E. Boren, Upland, Indiana, to acquire 

control above 10 percent of Independent 

Alliance Banks, Inc., Fort Wayne, Indiana, and 

thereby indirectly control IAB Financial Bank, 

Fort Wayne, Indiana, pursuant to the Change in 

Bank Control Act.

INDEPENDENT ALLIANCE 

BANKS, INC.

Newspaper:

Federal Register:

CIC 04/19/2013

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:

* Branch

Not applicable

Lake City Bank, Warsaw, Indiana, to establish a 04/05/2013

branch at 37 and 131 in Thompson Thrift 

Development, Fishers Marketplace, Fisher, 

Indiana.

LAKE CITY BANK

* 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 April 13, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/26/2013

04/26/2013

Notice by Charles C. Martin, individually and as 

a member of a family control group that includes 

his wife Lynne B. Martin, both of Bowling 

Green, Kentucky, to retain control of Ambanc 

Holding Company, Inc., Bowling Green, 

Kentucky.

AMBANC HOLDING COMPANY, 

INC.

Newspaper:

Federal Register:

* 3A1 05/14/2013

05/09/2013

Hopfed Bancorp, Inc., Hopkinsville, Kentucky, 

to become a bank holding company through the 

conversion of its wholly owned subsidiary, 

Heritage Bank, Hopkinsville, Kentucky, from a 

federally chartered savings bank to a state 

chartered commercial bank.

HOPFED BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

05/01/2013

Notice by Christopher C. Reid, Owensboro, 

Kentucky, acting individually and in concert 

with a control group, to retain control of 

Independence Bancshares, Inc., Owensboro, 

Kentucky. The control group consists of Mr. 

Reid, Jacob Reid, Lauren Reid Patton, Cathy 

Switzer, Greg Mullican, Todd Switzer, Kyle Aud, 

Bridget Reid, Jennie Parker, Eve Holder, Matt 

Carter, Darrell Higginbotham, Gary White, all of 

Owensboro, Kentucky; Jim Davis, Scott Audas, 

Bob Cummins, Kay Bryant, all of Henderson, 

Kentucky; Danny Evitts, Scott Johnston, both 

of Paducah, Kentucky; Kelly Jackson, Alvaton, 

Kentucky; Tawna Wright, Calhoun, Kentucky; 

and Brad Howard, Bowling Green, Kentucky.

INDEPENDENCE BANCSHARES, 

INC.

Newspaper:

Federal Register:

* 3A5 05/03/2013

05/03/2013

Renasant Corporation, Tupelo, Mississippi, to 

merge with First M & F Corporation, Kosciusko, 

Mississippi, and thereby indirectly acquire 

Merchants & Farmers Bank, Kosciusko, 

Mississippi.

RENASANT CORPORATION

Newspaper:

Federal Register:

CIC 05/02/2013

04/30/2013

Notice by Ronald D. Absher, Carmi, Illinois, to 

retain control of Southern Illinois Bancorp, Inc., 

Carmi, Illinois.

SOUTHERN ILLINOIS BANCORP, 

INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending April 13, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

04/22/2013

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 04/18/2013

04/22/2013

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

04/09/2013

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:

CIC Not available

05/01/2013

Change in control notice by James Day, 

Menahga, Minnesota, and Justin Day, 

Menahga, Minnesota, to each retain 25% or 

more of the voting shares of Menahga 

Bancshares, Inc., Menahga, Minnesota, and 

thereby indirectly retain control of First National 

Bank of Menahga & Sebeka, Menahga, 

Minnesota.

MENAHGA BANCSHARES, INC.

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending April 13, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

4c8

04/13/2013

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

04/23/2013

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 control 

of First National Community Bank, New 

Richmond, Wisconsin.

ONE CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Thomas W. Armstrong, Park Falls, Wisconsin, 

and Bradley A. Trimner, Park Falls, Wisconsin, 

individually and as Co-Trustees of the Arnold J. 

Stueber, Sr Revocable Trust, Park Falls, 

Wisconsin, and the Sadie A. Stueber Revocable 

Trust, Park Falls, Wisconson, and Mary 

Luethmers, Park Falls, Wisconsin, individually, 

to each retain control of 25% or more of the 

shares of Park Falls Agency, Inc., Park Falls, 

Wisconsin, and thereby indirectly retain control 

of The First National Bank of Park Falls, Park 

Falls, Wisconsin.

PARK FALLS AGENCY, INC.

Newspaper:

Federal Register:

CIC Not available

04/29/2013

Change in Control Notice by Kevin Lee Mulder, 

Minneapolis, Minnesota, to acquire voting 

shares of PSB Financial Shares, Inc., Prinsburg, 

Minnesota, which owns PrinsBank, Prinsburg, 

Minnesota, and thereby join the Mulder Family 

Group, which controls 25% or more of PSB 

Financial Shares, Inc.

PSB FINANCIAL SHARES, 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 April 13, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 04/17/2013

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:

* 3A1 05/10/2013

05/07/2013

CBTCO Bancorp and CBTCO Acquisition Inc., 

Columbus, Nebraska, to become bank holding 

companies through the acquisition of 100 

percent of the voting shares of Bradley 

Bancorp., parent of Columbus Bank and Trust 

Company, both in Columbus, Nebraska.

CBTCO BANCORP

Newspaper:

Federal Register:

CIC Not available

04/30/2013

Notification by Timothy H. Hume, Leslie J. 

Hume, James H. Hume, and Kay L. Hume, all of 

Walsh, Colorado; and Samuel A. Hume, Fort 

Worth, Texas; to acquire control of FarmBank 

Holding, Inc., parent of First FarmBank, both in 

Greeley, Colorado.

FARMBANK HOLDING, 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 April 13, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Community Trust Bank, Choudrant, Louisiana, 04/06/2013

to establish a branch to be located at 16479 

North Dallas Parkway, Addison, Texas 75001.

COMMUNITY TRUST BANK

Newspaper:

Federal Register:

Member Not applicable

Not applicable

The First National Bank of Seymour, Seymour, 

Texas, to become a member of the Federal 

Reserve System through the conversion from a 

national bank charter and to continue to 

exercise trust powers pursuant to 12 C.F.R. 

Section 208.3(d)(2).

FIRST NATIONAL BANK OF 

SEYMOUR, THE

Newspaper:

Federal Register:

CIC Not available

04/26/2013

Notice by John C. Landers, Houston, Texas, 

individually and as co-trustee of the Brittney 

Reimert Family Share Trust, the Chelsea Reimert 

Family Share Trust, and the Jeffery Reimert 

Family Share Trust, all of Houston, Texas, to 

acquire 10 per cent or more of the shares and 

thereby control of Friendswood Capital 

Corporation, Webster, Texas, and thus 

indirectly obtain control of Texan Bank, Sugar 

Land, Texas.

FRIENDSWOOD CAPITAL 

CORPORATION

Newspaper:

Federal Register:

* 3A3 Not available

05/09/2013

Henderson Citizens Bancshares, Inc., 

Henderson, Texas, to acquire 100 percent of the 

common stock of The East Texas National Bank 

of Palestine, Palestine, Texas.

HENDERSON CITIZENS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 3A3 04/29/2013

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 04/10/2013

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.

* 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 April 13, 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

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

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