Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 41 

Week Ending October 9, 2010

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

Forms -- initial Board review to extend without revision the Report of Net Debit Cap 

(FR 2226) and to extend with revision the Statement of Purpose for an Extension of 

Credit by a Creditor (FR T-4), Statement of Purpose for an Extension of Credit 

Secured by Margin Stock (FR U-1), Statement of Purpose for an Extension of Credit 

Secured by Margin Stock by a Person Subject to Registration Under Regulation U 

(FR G-3), Registration Statement for Persons Who Extend Credit Secured by Margin 

Stock (Other Than Banks, Brokers, or Dealers) (FR G-1), Deregistration Statement 

for Persons Registered Pursuant to Regulation U (FR G-2), and Annual Report 

(FR G-4).

- Proposed, October 6, 2010

Enforcement

Financial Bancshares Company, Becker, Minnesota -- written agreement with the 

Federal Reserve Bank of Minneapolis.

- Announced, October 5, 2010

HomeStar Financial Group, Inc., Manteno, Illinois -- written agreement with the 

Federal Reserve Bank of Chicago.

- Announced, October 5, 2010

HSBC North America Holdings, Inc., New York, New York -- issuance of a consent 

cease and desist order.

- Announced, October 7, 2010

Neighborhood Bank Corporation, Palatka, Florida -- written agreement with the 

Federal Reserve Bank of Atlanta.

- Announced, October 5, 2010

NexTier Incorporated, Butler, Pennsylvania -- written agreement with the Federal 

Reserve Bank of Cleveland.

- Announced, October 7, 2010

H.2 Board Actions October 3, 2010 to October 9, 2010

(A/C) = Addition or Correction Board - Page 1 of 2
Enforcement

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

agreement with the Federal Reserve Bank of Richmond.

- Announced, October 7, 2010

H.2 Board Actions October 3, 2010 to October 9, 2010

(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 Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSD Office of Staff Director

October 3, 2010 to October 9, 2010

Bank Holding Companies

G V Bancorp Employee Stock Ownership Plan, Gunnison, Utah -- to acquire 

additional shares of G V Bancorp, Gunnison, and thereby acquire shares of Gunnison 

Valley Bank.

San Francisco

- Approved, October 7, 2010

TLCM Holdings, LLC, Richardson, Texas, and EJ Financial Corporation, Dallas -- to 

engage de novo in extending credit and servicing loans.

Dallas

- Withdrawn, October 7, 2010

Bank Mergers

FirstBank of Colorado, Lakewood, Colorado -- to merge with 24 affiliate banks in 

Colorado and thereby establish 125 branches in Colorado and California as part of a 

corporate reorganization by FirstBank Holding Company, Lakewood; and to become 

a member of the Federal Reserve System.

Secretary

- Approved, October 8, 2010

Change in Bank Control

Canon Bank Corporation, Canon City, Colorado -- change in bank control of Canon 

and its subsidiary bank, Canon National Bank, Canon City.

Kansas City

- Permitted, October 6, 2010

(A/C) = Addition or Correction Delegated - 1 of 3
Change in Bank Control

Genbeach Co., Inc., Beattyville, Kentucky -- change in bank control of Genbeach and 

its subsidiary bank, Peoples Exchange Bank of Beattyville, Inc., Beattyville.

Cleveland

- Permitted, October 7, 2010

Mission Valley Bancorp, Sun Valley, California -- to retain control of Mission and its 

subsidiary bank, Mission Valley Bank, Sun Valley.

San Francisco

- Permitted, October 6, 2010

WVS Financial Corp., Pittsburgh, Pennsylvania -- change in bank control of WVS 

and its subsidiary thrift, West View Savings Bank, Pittsburgh.

Cleveland

- Permitted, October 7, 2010

International Operations

Citibank, N.A., Las Vegas, Nevada, and Citibank Overseas Investment Corporation, 

New Castle, Delaware -- waiver of remainder of prior-notification period to make an 

additional investment in Egg Banking plc, Derby, United Kingdom.

Director, BS&R

- Granted, September 29, 2010

(A/C)

Citibank, N.A., Las Vegas, Nevada, and Citibank Overseas Investment Corporation, 

New Castle, Delaware -- waiver of remainder of prior-notification period to make an 

additional investment in Future Mortgages Limited, London, United Kingdom.

Director, BS&R

- Granted, September 29, 2010

(A/C)

H.2 Actions under delegated authority October 3, 2010 to October 9, 2010

(A/C) = Addition or Correction Delegated - 2 of 3
International Operations

Citibank, N.A., Las Vegas, Nevada, and Citibank Overseas Investment Corporation, 

New Castle, Delaware -- waiver of remainder of prior-notification period to make an 

additional investment in Egg Banking plc, Derby, United Kingdom.

Director, BS&R

- Granted, September 27, 2010

(A/C)

H.2 Actions under delegated authority October 3, 2010 to October 9, 2010

(A/C) = Addition or Correction Delegated - 3 of 3
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending October 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

10/22/2010

Rockville Financial, Rockville, Connecticut, to 

acquire 100% of the outstanding capital stock of 

Rockville Bank, Rockville, Connecticut pursuant 

to section 3(a)(1) of the BHC Act in connection 

with the reorganization of Rockville Financial, 

MHC, Rockville, Connecticut, from mutual to 

stock form.

ROCKVILLE FINANCIAL, INC.

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

Federal Reserve Bank of Boston

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of New York

Filings received during the week ending October 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Agricultural Bank of China Limited, Beijing, 

China to upgrade its New York representative 

office to a branch office pursuant to Section 

211.24(a)(1) of Regulation K.

AGRICULTURAL BANK OF 

CHINA, THE

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Citibank, N.A., Las Vegas, Nevada, and Citibank 

Overseas Investment Corporation, New Castle, 

Delaware, pursuant to Section 211.9(f) of 

Regulation K, to make an additional investment 

in Citicorp Finanziaria S.p.A., Milan, Italy.

CITIBANK, N.A.

* 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

 9807 AMBOY BK, OLD BRIDGE, NEW JERSEY 01/26/2009 09/23/2010 NI Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Philadelphia

Filings received during the week ending October 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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

 1819366 STERLING BK, MOUNT LAUREL, NEW JERSEY 11/30/2009 09/20/2010 NI Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Cleveland

Filings received during the week ending October 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Application by Fifth Third Bank, Cincinnati, OH 10/15/2010

to establish a branch at 11005 Kinsman Road, 

Cleveland, OH.

FIFTH THIRD BANK

Newspaper:

Federal Register:

CIC 10/30/2010

10/25/2010

Notice of Change in Bank Control by Clay P. 

Graham, Bryan H. Graham and the Estate of 

James F. Graham, acting in concert, to acquire 

26.67% or more of the outstanding voting 

shares of North Valley Bancshares, Zanesville, 

Ohio and Notice of Change in Bank Control by 

Clay P. Graham, individually, to acquire 14.70% 

or more of the outstanding voting shares of 

North Valley Bancshares, Zanesville, Ohio.

NORTH VALLEY BANCSHARES, 

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

 509811 COMMUNITY TR BK INC, PIKEVILLE, KENTUCKY 06/28/2010 09/29/2010 S Large Bank

 814711 PEOPLES B&TC, HAZARD, KENTUCKY 06/14/2010 09/29/2010 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending October 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Mr. William Lee Hale and the William Lee Hale 

Trust, both of Bland, Virginia, acting in concert 

to retain control 20.86% of the voting shares of 

First Regions Bancshares, Inc., Richlands, 

Virginia.

FIRST REGION BANCSHARES, 

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

 904425 BANK OF THE EASTERN SHORE, CAMBRIDGE, MARYLAND 05/17/2010 08/30/2010 S Small Bank

 164331 LOGAN B&TC, LOGAN, WEST VIRGINIA 06/07/2010 09/21/2010 S Small Bank

 1009420 STELLARONE BK, CHRISTIANSBURG, VIRGINIA 04/12/2010 09/02/2010 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Atlanta

Filings received during the week ending October 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/28/2010

Prior change in control notice filed by Stuart 

and Teresa Gibson, both of Canton, Georgia, to 

acquire 55.80 percent of the outstanding shares 

of First Cherokee Bancshares, Inc., and its 

subsidiary, First Cherokee State Bank, both of 

Woodstock, Georgia. Pro forma total ownership 

will equal 59.98 percent.

FIRST CHEROKEE 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

10/18/2010

Prior change in control notice filed by Camp 

QFP, L.L.L.P., Atlanta, Georgia, and its general 

partners, Mary L. Camp and Lovell E. Camp, 

both of Atlanta, Georgia, to acquire 17.98 

percent of the outstanding shares of FMCB 

Holdings, Inc., and its subsidiary, First Choice 

Community Bank, both of Dallas, Georgia.

FMCB HOLDINGS, INC.

Newspaper:

Federal Register:

* 3A1 Not available

10/29/2010

PFGBI, LLC, McDonough, Georgia, to become a 

bank holding company by acquiring 

approximately 50.8 percent of the outstanding 

shares of Montgomery County Bankshares, 

Inc., and its subsidiary, Montgomery County 

Bank & Trust, both of Ailey, Georgia.

PFGBI, LLC

* 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

 876634 CAPITAL CITY BK, TALLAHASSEE, FLORIDA 02/22/2010 08/01/2010 O Large Bank

 648130 COCONUT GROVE BK, MIAMI, FLORIDA 03/06/2006 06/26/2006 O Large Bank

 470836 FARMERS & MRCH BK, CENTRE, ALABAMA 08/13/2007 12/02/2007 S Small Bank

 279338 FIRST S BK, BOCA RATON, FLORIDA 08/28/2006 01/09/2007 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending October 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/26/2010

Notice by the OJT Irrevocable Trust, dated 

9/20/10, and Robert A. Clemente, Bloomfield, 

Michigan, as trustee of the trust, to acquire 

more than 25 percent of the voting shares of 

Clarkston Financial Corporation, Waterford, 

Michigan, and thereby indirectly acquire control 

of Clarkston State Bank, Clarkston, Michigan.

CLARKSTON FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

08/23/2010

Notice by Betty J. Bradshaw 2000 Irrevocable 

Trust dated 10/30/00-Charles M. Shea, Trustee, 

to acquire shares of First Community 

Bancshares Corp., Anamosa, Iowa, and thereby 

indirectly acquire shares of First Community 

Bank, Milton, Wisconsin.

FIRST COMMUNITY 

BANCSHARES CORP.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Fort Madison Bank & Trust Co., Fort Madison, 

Iowa, to purchase certain assets and assume 

certain liabilities of the Burlington, Iowa branch 

of Valley Bank, Moline, Illinois; and to establish 

a branch at 3140 Agency Street, Suite 100, 

Burlington, Iowa.

FORT MADISON BANK & 

TRUST CO.

Newspaper:

Federal Register:

* 3A5 Not available

* 18C

* Branch

10/04/2010

Hometown Community Bancorp, Inc., and 

Hometown Community Bancorp, Inc. Employee 

Stock Ownership Plan and Trust, both located 

in Morton, Illinois, to merge with CSBC 

Financial Corporation, Cropsey, Illinois, and 

thereby indirectly acquire Citizens State Bank of 

Cropsey, Cropsey, Illinois, and by Morton 

Community Bank, Morton, Illinois, to merge 

with Citizens State Bank of Cropsey, Cropsey, 

Illinois, and thereby to establish two branches.

HOMETOWN COMMUNITY 

BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

10/28/2010

Rigler Investment Co., New Hampton, Iowa, to 

acquire 100 percent of State Bank & Trust 

Company, Waverly, Iowa.

RIGLER INVESTMENT CO.

Newspaper:

Federal Register:

* 3A1 Not available

10/04/2010

Zaring Group Holdings LLC., Riverwoods, 

Illinois, to become a bank holding company by 

acquiring 75.1 percent of the voting shares of 

First Suburban Bancorp Corporation, 

Maywood, Illinois, and thereby indirectly 

acquire First Suburban National Bank, 

Maywood, Illinois.

ZARING GROUP HOLDINGS LLC

* 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

 709143 MIDWEST BK WESTERN IL, MONMOUTH, ILLINOIS 03/29/2010 09/16/2010 S Large Bank

 123646 SALIN B&TC, INDIANAPOLIS, INDIANA 11/03/2008 06/14/2010 NI Int Sm Bank

 433943 WASHINGTON ST BK, WASHINGTON, IOWA 05/17/2010 09/13/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending October 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Central Bancshares, Inc., Little Rock, Arkansas, 

to become a bank holding company by 

acquiring 100 percent of Central Bank, Little 

Rock, Arkansas.

Central Bancshares, Inc.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

The Missouri Bank, Warrenton, Missouri, to 

merge with Bay-Herman-Berger Bank, Hermann, 

Missouri, and to retain the acquired facilities as 

branch offices.

MISSOURI BANK, THE

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending October 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/28/2010

Robert A. Engen and Beverly J. Engen, both of 

Tolna, North Dakota, individually and as part of 

a group acting in concert with Steven R. Engen, 

Bismarck, North Dakota, to retain and acquire 25 

percent or more of the shares of Tolna Bancorp, 

Inc., Tolna, North Dakota, and thereby 

indirectly retain and acquire control of The 

Farmers & Merchants State Bank of Tolna, 

Tolna, North Dakota.

TOLNA BANCORP, 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

 341851 CLINTON ST BK, CLINTON, MINNESOTA 04/19/2010 10/01/2010 S Small Bank

 3259171 COMMUNITY BK, AUSTIN, MINNESOTA 06/14/2010 09/24/2010 S Small Bank

 1401891 VALLEY BK GLASGOW, GLASGOW, MONTANA 06/22/2010 09/23/2010 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Kansas City

Filings received during the week ending October 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

AllNations Bank, Calumet, Oklahoma, to 10/11/2010

establish a branch at 2025 South Gordon Cooper 

Boulevard, Shawnee, Oklahoma.

ALLNATIONS BANK

Newspaper:

Federal Register:

* 3A5 11/05/2010

11/05/2010

BancFirst Corporation, Oklahoma City, 

Oklahoma, to acquire 100 percent of the voting 

shares of OK Bancorporation, Inc., parent of 

The Okemah National Bank, both in Okemah, 

Oklahoma.

BANCFIRST CORPORATION

Newspaper:

Federal Register:

* 3A1 Not available

11/05/2010

Central Agency, Inc., Lincoln, Nebraska, to 

become a bank holding company through the 

acquisition of 31.7354 percent of the voting 

shares of Farm & Home Insurance Agency, Inc., 

parent of First National Bank Northeast, both in 

Lyons, Nebraska. Central Agency, Inc., Lincoln, 

Nebraska, elects to become a financial holding 

company.

CENTRAL AGENCY, 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

 177957 PEOPLES BK, LAWRENCE, KANSAS 06/21/2010 09/28/2010 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending October 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Comerica Bank, Dallas, Texas, to establish three 10/07/2010

branches in the following locations: 2875 W. 

Wheatland Road, Dallas, Texas 75237; 12035 

Foothill Blvd., Rancho Cucamonga, California 

91730; 1 S. Federal Highway, Boca Raton, 

Florida 33432.

COMERICA BANK

Newspaper:

Federal Register:

CIC Not available

10/18/2010

Notice by Henry Lewis Gallegly and Marjorie 

Clair Gallegly, Dalhart, Texas, to increase their 

ownership and control from 11.2 percent to 

19.07 percent of First Dalhart Bancshares, Inc., 

Dalhart, Texas, and indirectly First National 

Bank in Dalhart, Dalhart, Texas.

FIRST DALHART 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

10/22/2010

Notice by Cecil R. Simmons, San Benito, Texas, 

individually; Cecil R. Simmons, San Benito, 

Texas, Leonard P. Simmons, San Benito, Texas, 

Anita Simmons Boswell, Harlingen, Texas, 

Michael Scott, Raymondville, Texas, Wilson B. 

Fry, San Benito, Texas, Francisco Loya, 

Harlingen, Texas, and Frank E. Russell (the 

"Director Group"); Cecil R. Simmons and Juana 

L. Simmons, San Benito, Texas, Anita Simmons 

Boswell, Harlingen, Texas, Sarah Simmons 

Hays, Evergreen, Colorado, and Dolores 

Simmons, San Benito, Texas (the "Cecil 

Simmons Family Group"); and Leonard P. 

Simmons and Mary Beth Simmons, San Benito, 

Texas, Delores M. Simmons, San Benito, Texas, 

Ricardo D. Leal, Harlingen, Texas, Audrey 

Simmons Hooks, Austin, Texas, Samuel E. 

Simmons, Harlingen, Texas, and Ernest G. Nash, 

III, Harlingen, Texas (the "Leonard Simmons 

Family Group")(collectively the "Notificants") 

to acquire 25 percent or more of the shares and 

thereby control of First San Benito Bancshares 

Corporation, San Benito, Texas, and indirectly 

acquire First Community Bank, National 

Association, San Benito, Texas.

FIRST SAN BENITO 

BANCSHARES CORPORATION

Newspaper:

Federal Register:

* 3A3 10/22/2010

10/18/2010

Henderson Texas Bancshares, Inc., Henderson, 

Texas, to acquire 85 percent of Prosper 

Bancshares, Inc., Prosper, Texas, and indirectly 

acquire Prosper Bank, Prosper, Texas.

HENDERSON TEXAS 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A1 10/30/2010

10/28/2010

Steele Holdings, Inc., Tyler, Texas, to become a 

bank holding company by acquiring 100 percent 

of American State Bank, Arp, Texas.

STEELE HOLDINGS, INC.

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

Federal Reserve Bank of Dallas

Filings received during the week ending October 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 10/28/2010

Woodforest Financial Group Employee Stock 

Ownership Plan (with 401(k)Provisions) 

(Amended and Restated Effective March 1, 

2006) and the related Woodforest Financial 

Group Employee Stock Ownership Trust, The 

Woodlands, Texas, collectively the Applicant, 

to become a bank holding company by 

acquiring up to 30 percent of Woodforest 

Financial Group, Inc., The Woodlands, Texas, 

and indirectly acquire Woodforest National 

Bank, Houston, Texas.

Woodforest Financial Group Employee Stock 

Ownership Plan (with 401(k)Provisions) 

(Amended and Restated Effective March 1, 

2006) and the related Woodforest Financial 

Group Employee Stock Ownership Trust, The 

Woodlands, Texas, collectively the Notificant, 

to acquire a savings association pursuant to 

Section 225.28(b)(4)(ii) of Regulation Y through 

Woodforest Financial Group, Inc., The 

Woodlands, Texas, and indirectly Woodforest 

Bank, FSB, Refugio, Texas.

WOODFOREST FINANCIAL 

GROUP EMPLOYEE STOCK 

OWNERSHIP PLAN (WITH 

401(K) PROVISIONS) (AMENDED 

AND RESTATED EFF. 03/01/06)

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of San Francisco

Filings received during the week ending October 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

04/15/2010

Anchor Bancorp, Inc., Lacey, Washington, to 

become a bank holding company by acquiring 

100 percent of Anchor Mutual Savings Bank, 

Aberdeen, Washington, upon conversion from 

a mutual savings bank to a stock savings bank.

ANCHOR 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

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act