Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 30 

Week Ending July 28, 2012

Board of Governors of the Federal Reserve System, Washington, DC 20551
Bank Branches, Domestic

Five Star Bank, Warsaw, New York -- to acquire four branches of HSBC Bank USA, 

National Association, McLean, Virginia, that First Niagara Bank, National 

Association, Buffalo, New York, contracted to purchase from HSBC, and to establish 

branches at those locations (FRB Order No. 2012-7).

- Approved, July 26, 2012

Personnel

Office of the Secretary -- appointment of Robert deV. Frierson as secretary of the 

Board and Jennifer J. Johnson as senior adviser.

- Approved, July 28, 2012

Regulations and Policies

Regulation HH (Designated Financial Market Utilities) -- final rule related to the 

supervision of systemically important financial market utilities, in accordance with 

the Dodd-Frank Act.

- Approved, July 26, 2012

Regulation II (Debit Card Interchange Fees and Routing) -- final amendments 

regarding the fraud-prevention adjustment to debit card interchange fees, in 

accordance with the Dodd-Frank Act.

- Approved, July 26, 2012

Reserve Bank Operations

Board Policies on Federal Reserve Banks -- revisions to policy affecting Reserve 

Bank operations.

- Approved, July 26, 2012

H.2 Board Actions July 22, 2012 to July 28, 2012

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

Community National Bancorporation, Waterloo, Iowa -- written agreement dated 

February 1, 2010, terminated July 24, 2012.

- Announced, July 26, 2012

Cornerstone Bancorp, Inc., St. Petersburg, Florida -- written agreement with the 

Federal Reserve Bank of Atlanta.

- Announced, July 26, 2012

Heritage Oaks Bancorp, Paso Robles, California -- written agreement dated 

March 4, 2010, terminated July 19, 2012.

- Announced, July 26, 2012

Macon Bancorp, Franklin, North Carolina -- written agreement with the Federal 

Reserve Bank of Richmond.

- Announced, July 24, 2012

Omega Capital Corp., Centennial, Colorado -- written agreement dated October 20, 

2010, terminated July 24, 2012.

- Announced, July 26, 2012

Premier Financial Bancorp, Inc., Huntington, West Virginia; Abigail Adams National 

Bancorp, Inc., Washington, D.C.; and Consolidated Bank and Trust Company, 

Richmond, Virginia -- written agreement dated July 29, 2010, terminated July 23, 

2012.

- Announced, July 24, 2012

H.2 Board Actions July 22, 2012 to July 28, 2012

(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

July 22, 2012 to July 28, 2012

MA Monetary Affairs

Bank Branches, Domestic

Commerce Bank, Kansas City, Missouri -- to establish a branch at 109 North Keene 

Street, Columbia.

Kansas City

- Approved, July 24, 2012

State Bank of the Lakes, Antioch, Illinois -- to establish a branch at 10 East Rollins 

Road, Round Lake Beach.

Chicago

- Approved, July 25, 2012

The Union State Bank, Arkansas City, Kansas -- to establish a branch at 700 North 

Summit Street, Arkansas City.

Kansas City

- Approved, July 27, 2012

Bank Holding Companies

CapGen Capital Group II LLC, New York, New York; CapGen Capital Group II LP; 

and PacWest Bancorp, Los Angeles, California -- waiver of application to acquire 

American Perspective Bank, San Luis Obispo, California, in connection with its 

merger with and into the applicants' subsidiary bank, Pacific Western Bank, 

Los Angeles.

San Francisco

- Granted, July 27, 2012

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

CenterGroup Financial, Inc., Milford, Ohio -- to become a bank holding company by 

acquiring CenterBank, Milford.

Cleveland

- Approved, July 23, 2012

CIC Bancshares, Inc., Denver, Colorado -- to acquire Millennium Bancorp, Inc., 

Edwards, and its subsidiary bank, Millennium Bank, and for CIC's subsidiary bank, 

Centennial Bank, Centennial, to merge with Millennium Bank and thereby establish 

branches.

Kansas City

- Approved, July 25, 2012

DFW Capital Holdings, Inc., Dallas, Texas -- to become a bank holding company by 

acquiring Schwertner State Bank, Schwertner.

Dallas

- Withdrawn, July 26, 2012

Glacier Bancorp, Inc., Kalispell, Montana -- relief from a commitment.

Minneapolis

- Granted, July 26, 2012

Change in Bank Control

American Metro Bancorp, Inc., Chicago, Illinois -- change in bank control of 

American Metro Bancorp and its subsidiary bank, American Metro Bank, Chicago.

Chicago

- Permitted, July 24, 2012

H.2 Actions under delegated authority July 22, 2012 to July 28, 2012

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

Neighborhood Bancorp, National City, California -- to retain control of 

Neighborhood Bancorp and its subsidiary bank, Neighborhood National Bank, 

San Diego.

San Francisco

- Permitted, July 24, 2012

Northfield Bancshares, Inc., Northfield, Minnesota -- change in bank control of 

Northfield Bancshares and its subsidiary bank, Community Resource Bank, 

Northfield.

Minneapolis

- Permitted, July 26, 2012

Extensions of Time

Minier Financial, Inc. Employee Stock Ownership Plan with 401(k) Provisions, 

Minier, Illinois -- extension to July 20, 2012, to increase its ownership in Minier 

Financial, Inc., Minier, and its subsidiary bank, First Farmers State Bank.

Chicago

- Granted, July 23, 2012

Financial Holding Companies 

Drummond Banking Company, Chiefland, Florida -- election to become a financial 

holding company.

Atlanta

- Effective, July 26, 2012

H.2 Actions under delegated authority July 22, 2012 to July 28, 2012

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

Forest Commercial Bank, Asheville, North Carolina -- to become a member of the 

Federal Reserve System.

Richmond

- Approved, July 27, 2012

RSNB Bank, Rock Springs, Wyoming -- to become a member of the Federal Reserve 

System and to invest in bank premises.

Kansas City

- Approved, July 24, 2012

H.2 Actions under delegated authority July 22, 2012 to July 28, 2012

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

Federal Reserve Bank of Boston

Filings received during the week ending July 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by Investors of America LP to 

retain 10% or more of the outstanding shares of 

the common stock of Hampden Bancorp, Inc., 

Springfield, Massachusetts, the holding 

company for Hampden Bank, Springfield, 

Massachusetts, pursuant to the Change in 

Bank Control Act of 1978.

HAMPDEN BANCORP, INC.

Newspaper:

Federal Register:

* 3A5 Not available

* 3A3 07/30/2012

Application by Independent Bank Corp, 

Rockland, Massachusetts, to acquire Central 

Bancorp, Inc. and its subsidiary bank, Central 

Co-operative Bank, both of Somerville, 

Massachusetts, pursuant to sections 3(a)(3) 

and 3(a)(5) of the Bank Holding Company Act 

of 1956, as amended.

INDEPENDENT BANK CORP.

* 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 July 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/06/2012

08/14/2012

Notice by Muhammad Habib, Hamza Habib, 

Fazilat Jumani, and Khadijah Jumani to retain a 

controlling interest in Maham 

Beteiligungsgessellschaft AG, Zurich, 

Switzerland, and thereby indirectly retain 

control of Habib American Bank, New York, 

New York.

MAHAM 

BETEILIGUNGSGESELLSCHAFT 

AG

Newspaper:

Federal Register:

4c8 Not applicable

08/15/2012

Westpac Banking Corporation, Sydney, 

Australia, to engage de novo through Westpac 

Capital Markets LLC, New York, New York in 

securities brokerage and riskless principal 

transactions, pursuant to Sections 225.28(b)(7)

(i) and 225.28(b)(ii) of Regulation Y.

WESTPAC BANKING 

CORPORATION

* 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 July 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Customers Bank, Phoenixville, PA to establish a 08/02/2012

limited service branch office located at The 

Miriam Osborn Memorial Home, 101 Theall 

Road, Rye, Westchester Co, New York

CUSTOMERS BANK

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

07/09/2012

Northfield Bancorp, MHC, Staten Island, NY, 

proposes to convert to stock form and merge 

with and into Northfield Bancorp, Inc, 

Woodbridge, New Jersey, which proposes to 

become a savings and loan holding company by 

acquiring Northfield Bank, Staten Island, NY.

NORTHFIELD BANCORP, INC

Newspaper:

Federal Register:

CIC Not available

09/21/2011

Patriot Financial Partners, GP, L.P., Patriot 

Financial Partners, L.P., Patriot Financial 

Partners Parallel, L.P., Patriot Financial Partners, 

GP, LLC, Patriot Financial Managers, L.P., 

Patriot Financial Manager, LLC. and Messrs. Ira 

M. Lubert, W. Kirk Wycoff and James J. Lynch, 

all of Philadelphia, Pennsylvania, to purchase 

up to 24.9 percent of Porter Bancorp, Inc., 

Louisville, KY.

PATRIOT FINANCIAL 

PARTNERS LP

* 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

 833271 CONESTOGA BK, CHESTER SPRINGS, PENNSYLVANIA 02/27/2012 07/19/2012 O 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 July 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change of Control by Bank 

Opportunity Fund, LLC; Bank Opportunity 

Advisors LLC; and Bank Acquisitions LLC, 

Washington, D.C. to acquire up to 24.99% of 

Middlefield Banc Corp., Middlefield, Ohio.

Bank Oppurtunity Fund, LLC

Newspaper:

Federal Register:

* Branch

Not applicable

Farmers Citizens Bank, Bucyrus, OH to establish 08/08/2012

a branch at 7789 County Road 77, Mount Hope, 

OH.

FARMERS CITIZENS BANK, THE

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Prior notice by Key Equipment Finance 

International, Superior, Colorado, to invest up 

to an additional $8 million in Key Equipment 

Finance Limited, Berkshire, United Kingdom, 

pursuant to Section 211.9(f) of Regulation K

KEY EQUIPMENT FINANCE 

INTERNATIONAL INC.

Newspaper:

Federal Register:

* Branch

Not applicable

North Valley Bank, Zanesville, OH to establish a 08/06/2012

branch at 3636 Maple Avenue, Zanesville, OH.

NORTH VALLEY BANK

* 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 July 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/30/2012

08/02/2012

Zahid Aslam, Elkton, Maryland; Michael 

Khatiwala, Voorhees, New Jersey; Michael 

Knapp, Lincoln University, Pennsylvania; Nalin 

Patel and Arpan Patel, both of Newtown, 

Pennsylvania; and Raj Parikh, Monroe, New 

Jersey, as a group acting in concert acquire in 

aggregate 28% of the outstanding common 

stock of Rising Sun Bancorp, Rising Sun, 

Maryland, through the transfer of shares 

currently owned by these individuals through 

NB Sun Investment LLC.

RISING SUN BANCORP

Newspaper:

Federal Register:

* 3A5 Not available

Not available

WashingtonFirst Bankshares, Inc., Reston, 

Virginia, to acquire 100% of the voting 

securities of Alliance Bankshares, Inc., 

Chantilly, Virginia, and thereby indirectly 

acquire Alliance Bank Corporation, Fairfax, 

Virginia.

WASHINGTONFIRST 

BANKSHARES, INC.

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

Federal Reserve Bank of Richmond

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 1161029 BANK OF HAMPTON ROADS, NORFOLK, VIRGINIA 03/05/2012 07/09/2012 S Large Bank

 899428 FIRST BK, STRASBURG, VIRGINIA 04/16/2012 07/11/2012 S Int Sm Bank

 3153288 XENITH BK, RICHMOND, VIRGINIA 04/02/2012 07/11/2012 S Small 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 July 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 08/03/2012

07/25/2012

After-the-fact change in control notice filed by 

John Hinton Waters, Madalyn Kathlene 

Waters, Michael Thomas Waters, John Andrew 

Waters, Michael Jason Waters, Brittaney Laine 

McConkey, Charles Hilton Richards, Jr., Ted 

Rembert Townsend, all of Chatsworth, Georgia, 

and Jodi Waters Matter, Marietta, Georgia, to 

collectively retain 54.75 percent of the 

outstanding shares of First Chatsworth 

Bankshares, Inc., and its subsidiary, First 

National Community Bank, both of Chatsworth, 

Georgia.

FIRST CHATSWORTH 

BANKSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Prior change in control notice filed by Moishe 

Gubin, Hillside, Illinois, to acquire approximately 

19.78 percent of the outstanding shares of 

voting securities of OptimumBank Holdings, 

Inc., Ft. Lauderdale, Florida, and its subsidiary, 

OptimumBank, Plantation, Florida. Total pro 

forma ownership will equal 25.80 percent.

OPTIMUMBANK HOLDINGS, 

INC.

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

Federal Reserve Bank of Atlanta

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 July 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

C-B-G, Inc., West Liberty, Iowa, to acquire up to 

$200,000 more of additional shares and increase 

its ownership up to 50.01 percent of 

Washington Bancorp, Washington, Iowa, and 

thereby increase it's indirect interest in 

Washington Bancorp's subsidiary, Federation 

Bank, Washington, Iowa.

C-B-G, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Chemical Bank, Midland, Michigan, to purchase 

the assets and assume the liabilities of 21 

branches of Independent Bank, Ionia, Michigan, 

and thereby establish 21 branches.

CHEMICAL BANK

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

07/20/2012

LaPorte Savings Bank, MHC, La Porte, Indiana, 

a mutual holding company, proposes to convert 

to stock form and merge with LaPorte Bancorp, 

Inc., an existing savings and loan holding 

company. The existing LaPorte Bancorp, Inc., 

will merge with a new company, also called 

LaPorte Bancorp, Inc., which will become a 

savings and loan holding company through the 

acquisition of 100 percent of the outstanding 

stock of The LaPorte Savings Bank, all of La 

Porte, Indiana.

LAPORTE SAVINGS BANK, MHC

* 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

 913838 EAST DUBUQUE SVG BK, DUBUQUE, IOWA 02/27/2012 07/03/2012 S Small Bank

 566243 GLENWOOD ST BK, GLENWOOD, IOWA 01/17/2012 07/03/2012 S Small Bank

 180845 ILLINI ST BK, OGLESBY, ILLINOIS 09/12/2011 07/04/2012 S Small Bank

 3351440 MAIN ST BK, BINGHAM FARMS, MICHIGAN 11/28/2011 06/13/2012 S Small Bank

 2360904 PACIFIC GLOBAL BK, CHICAGO, ILLINOIS 02/06/2012 07/04/2012 S Small Bank

 451246 WAYNE B&TC, CAMBRIDGE CITY, INDIANA 03/12/2012 07/18/2012 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 July 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

The Bank of Fayette County, Piperton, 08/06/2012

Tennessee, (formerly Moscow, Tennessee) to 

purchase certain assets and assume certain 

liabilities of the Whiteville, Tennessee branch 

location of Merchants & Planters Bank, Bolivar, 

Tennessee, and to retain the acquired facility as 

a branch.

BANK OF FAYETTE COUNTY, 

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

 786742 FIRST CITIZENS BK, ELIZABETHTOWN, KENTUCKY 04/16/2012 07/16/2012 S Int Sm Bank

 48374 FIRST FINANCIAL BK, EL DORADO, ARKANSAS 01/23/2012 07/06/2012 S Int Sm Bank

 471749 SIMMONS FIRST BK OF NRTHEST AR, JONESBORO, ARKANSAS 11/28/2011 07/02/2012 S Int Sm Bank

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 July 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 07/22/2012

07/16/2012

Notice by Thomas Watson, Grand Forks, North 

Dakota, and Toby Kommer, Fargo, North 

Dakota,as individuals and as trustees of the 

Bank Forward Employee Stock Ownership Plan, 

Hannaford, North Dakota ("ESOP"), to retain 

and acquire control of Security State Bank 

Holding Company, Fargo, North Dakota 

("Company"), and thereby indirectly retain and 

acquire control of Bank Forward, Hannaford, 

North Dakota ("Bank"). Additionally, notice by 

Thomas Watson, Toby Kommer, and ESOP as a 

group acting in concert to retain and acquire 

control of Company and thereby indirectly 

retain and acquire control of Bank.

SECURITY STATE BANK 

HOLDING COMPANY

* 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

 259956 STATE SVG BK OF MANISTIQUE, MANISTIQUE, MICHIGAN 03/27/2012 07/09/2012 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 July 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3

* 3A1

* 18C

* Branch

Not available

Equity Bancshares, Inc., Wichita, Kansas, to 08/17/2012

acquire, through its subsidiary EBI Acquisition 

IV, Inc., Wichita, Kansas, 100 percent of the 

voting shares of First Community Bancshares, 

Inc., Overland Park, Kansas, parent of First 

Community Bank, Lee's Summit, Missouri. 

Immediately thereafter, EBI Acquisition IV, Inc., 

Wichita, Kansas, will merge into First 

Community Bancshares, Inc., Overland Park, 

Kansas. Equity Bank, Andover, Kansas, to 

merge with First Community Bank, Lee's Summit, 

Missouri, and incident thereto, to establish 16 

branches: Sweet Springs, Windsor, 

Warrensburg North, Warrenburg South, 

Sedalia, Clinton, Warsaw Truman Hills, Warsaw 

Downtown, Knob Noster, Lee's Summit West, 

Lee's Summit, Higginsville Highway, 

Higginsville Downtown, Overland Park, Desoto, 

and Kansas City Tuileries.

EQUITY BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

Equity Bank, Andover, Kansas, to merge with 

Signature Bank, Haddam, Kansas, and incident 

thereto, to establish a branch.

EQUITY BANK

Newspaper:

Federal Register:

CIC Not available

07/30/2012

Notice by High Plains Banking Group, Inc. 

KSOP, Flagler, Colorado; Thomas Creighton, Jr., 

Denver, Colorado, individually and as trustee of 

High Plains Banking Group, Inc. KSOP; Lucy 

Loomis, Denver, Colorado; John and Johnita 

Creighton, Longmont, Colorado; Virginia 

Newton, Snowmass, Colorado; Ann Creighton, 

Sammamish, Washington; and Lavina 

Creighton, Atwood, Kansas, all to become 

members of the Creighton Family Group, to 

acquire control of High Plains Banking Group, 

Inc., parent of High Plains Bank, both in Flagler, 

Colorado. High Plains Banking Group, Inc., 

Flagler, Colorado, to redeem 19.4 percent of its 

outstanding common stock.

HIGH PLAINS BANKING GROUP, 

INC.

Newspaper:

Federal Register:

* 3A3 Not available

Not available

Main Banc, Inc., to acquire 100 percent of the 

voting shares of Bank 1st Financial Corporation, 

parent of Bank 1st, all of Albuquerque, New 

Mexico.

MAIN BANC, INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by W.M. Ferguson Testamentary Trust, 

and Martin J. Peck, individually and as trustee, 

to acquire control of SSB Holdings, Inc., parent 

of Security State Bank, both in Wellington, 

Kansas. In addition, Anna Shelden, LayFayette, 

Indiana; William M. Ferguson III, Cambridge, 

Kansas; and Joan F. Peck, Modesto, California; 

to become members of the Ferguson Family 

Group acting in concert.

SSB HOLDINGS, INC.

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

Federal Reserve Bank of Kansas City

Filings received during the week ending July 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 08/10/2012

08/24/2012

Tri-County Financial Corporation, to become a 

bank holding company through the acquisition 

of 100 percent of the outstanding voting shares 

of The Bank of Commerce and Trust Company, 

both in Wellington, Kansas.

TRI-COUNTY FINANCIAL 

CORPORATION

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

 979151 AUBURN ST BK, AUBURN, NEBRASKA 04/09/2012 07/05/2012 S Small Bank

 967952 WEST PLAINS BK, AINSWORTH, NEBRASKA 04/16/2012 07/20/2012 S Small 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 July 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

08/17/2012

A.N.B. Holding Company, Ltd., Terrell, Texas, to 

acquire additional shares up to 34% of The 

ANB Corporation, Terrell, Texas, and indirectly 

acquire The American National Bank of Texas, 

Terrell, Texas; Lakeside Bancshares, Inc., 

Rockwall, Texas; and Lakeside National Bank, 

Rockwall, Texas.

A.N.B. HOLDING COMPANY, 

LTD.

Newspaper:

Federal Register:

* 3A3 07/22/2012

07/20/2012

FVNB Corp., MOW/RPW II, Ltd., and 

MOW/RPW Holdings II, LLC, all of Victoria, 

Texas, to acquire 100 percent of First State 

Bank, New Braunfels, Texas.

FVNB CORP.

Newspaper:

Federal Register:

* 3A5 Not available

08/24/2012

Independent Bank Group, Inc., McKinney, 

Texas, to acquire by merger 100 percent of 

Community Group, Inc., and indirectly acquire 

United Community Bank, National Association, 

both of Highland Village, Texas.

INDEPENDENT BANK GROUP, 

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 July 28, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 Not available

07/26/2012

First PacTrust Bancorp, Inc., Irvine, California, 

to merge with Gateway Bancorp, Santa Ana, 

California, with First PacTrust Bancorp, Inc., 

surviving and thereby indirectly acquire 

Gateway Business Bank, Cerritos, California.

FIRST PACTRUST 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