Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 6 

Week Ending February 6, 2010

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

Forms -- final Board review to revise without extension the following reports: 

(1) Consolidated Financial Statements for Bank Holding Companies (FR Y-9C), 

(2) Financial Statements of U.S. Nonbank Subsidiaries of U.S. Bank Holding 

Companies (FR Y-11), (3) Financial Statements of Foreign Subsidiaries of U.S. 

Banking Organizations (FR 2314), and (4) Financial Statements of U.S. Nonbank 

Subsidiaries Held by Foreign Banking Organizations (FR Y-7N). 

- Approved, February 4, 2010

Membership

The Warehouse Trust Company LLC, New York, New York -- to become a member 

of the Federal Reserve System.

- Approved, February 1, 2010

Regulations and Policies

Small Business Lending -- issuance of an Interagency Statement on Meeting the 

Credit Needs of Creditworthy Small Business Borrowers.

- Announced, February 5, 2010

Enforcement

Citizens Bancshares, Inc., Edmond, Oklahoma, and The Citizens Bank of Edmond -- 

written agreement with the Federal Reserve Bank of Kansas City and the Oklahoma 

State Banking Department.

- Announced, February 4, 2010

Palm Desert Investments, Palm Desert, California -- written agreement with the 

Federal Reserve Bank of San Francisco.

- Announced, February 3, 2010

H.2 Board Actions January 31, 2010 to February 6, 2010

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

Peoples, Inc., Lawrence, Kansas, and Peoples Bank -- written agreement with the 

Federal Reserve Bank of Kansas City.

- Announced, February 1, 2010

Rising Sun Bancorp, Rising Sun, Maryland, and NBRS Financial Bank -- written 

agreement with the Federal Reserve Bank of Richmond and the Maryland Division of 

Financial Regulation.

- Announced, February 2, 2010

H.2 Board Actions January 31, 2010 to February 6, 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

OSDM Office of Staff Director for Management

January 31, 2010 to February 6, 2010

Bank Branches, Domestic

Northampton Co-operative Bank, Northampton, Massachusetts -- to establish a 

branch at 390 College Street, Amherst.

Boston

- Approved, February 5, 2010

Susquehanna Bank, Lititz, Pennsylvania -- to establish a branch at 1845 Walnut 

Street, Philadelphia.

Philadelphia

- Approved, February 2, 2010

Bank Holding Companies

Drexel Morgan & Co. Holdings, Radnor, Pennsylvania -- to form a bank holding 

company in connection with the reorganization of The Haverford Trust Company, 

Radnor.

Philadelphia

- Approved, February 4, 2010

Progressive Financial Services, Inc., McKenzie, Tennessee -- to engage in lending 

and loan-servicing activities.

St. Louis

- Approved, February 2, 2010

United Community Bancorp, Inc., Chatham, Illinois -- to acquire Marine Bank & 

Trust, Carthage, and Brown County State Bank, Mount Sterling.

Chicago

- Approved, February 2, 2010

(A/C) = Addition or Correction Delegated - 1 of 2
Change in Bank Control

Bonifay Holding Company, Inc., Bonifay, Florida -- change in bank control of 

Bonifay and its subsidiary bank, Bank of Bonifay, Bonifay.

Atlanta

- Withdrawn, February 1, 2010

Extensions of Time

A.N.B. Holding Company, Ltd., Terrell, Texas -- extension to May 7, 2010, to 

acquire additional shares of The ANB Corporation, Terrell, and thereby acquire The 

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

National Bank.

Dallas

- Granted, February 4, 2010

H.2 Actions under delegated authority January 31, 2010 to February 6, 2010

(A/C) = Addition or Correction Delegated - 2 of 2
District: 1

Federal Reserve Bank of Boston

Filings received during the week ending February 6, 2010

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 February 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA

Not applicable

ABN AMRO II N.V., Amsterdam, The 02/25/2010

Netherlands, to establish a representative office 

in New York, New York, pursuant to Section 

10(a) of the International Banking Act of 1978, 

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

Regulation K.

ABN AMRO II N.V.

Newspaper:

Federal Register:

Foreign Branch Not applicable

Not applicable

Bank Morgan Stanley AG, Zurich, Switzerland, 

an indirect foreign bank subsidiary of Morgan 

Stanley, New York, New York, to establish 

branches in Hong Kong and Singapore, 

pursuant to Section 211.3(b)(2) of Regulation K.

BANK MORGAN STANLEY AG

Newspaper:

Federal Register:

* 3A1 Not available

* 4c8

* 3A3

02/19/2010

First Niagara Financial Group, Inc., Buffalo, New 

York ("FNFG"), to become a bank holding 

company by acquiring Harleysville National 

Corporation and Harleysville National Bank and 

Trust Company, both of Harleysville, 

Pennsylvania. FNFG to retain First Niagara 

Bank, Buffalo, New York ("FNB"), and thereby 

operate a savings association. FNFG to retain 

FNB upon conversion of FNB to a national 

bank, pursuant to Section 3(a)(3) of the BHC 

Act.

FIRST NIAGARA FINANCIAL 

GROUP, 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 February 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 02/20/2010

02/22/2010

Evelyn Rome Tabas, Narberth, PA, to purchase 

up to 33.465% of Royal Bancshares Of 

Pennsylvania, Inc., Narberth, PA.

ROYAL BANCSHARES OF 

PENNSYLVANIA, INC.

* 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 February 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Premises Not applicable

Andover Bank, Andover, OH to establish a 02/11/2010

branch at 6611 North Ridge Rd., Madison, OH 

and request to exceed investment in premises 

limits.

ANDOVER BANK, THE

Newspaper:

Federal Register:

CIC Not available

Not available

Notice of Change in Bank Control filed by 

Hometown Bancshares, Inc. 401(k) Profit 

Sharing Plan (Timothy Robert Aiken, Trustee), 

Middlebourne, WV to retain control of 10.77 

percent of the outstanding voting shares of 

Hometown Bancshares, Inc., Middlebourne, 

WV.

HOMETOWN 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

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 February 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Investment Not applicable

Not applicable

Bank of America, N.A., Charlotte, North 

Carolina, to make an indirect investment of $11 

million in BANA Canada Funding Company 

Limited, Calgary, Alberta, Canada.

BANK OF AMERICA, 

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

* Branch

Not applicable

Xenith Bank, Richmond, Virginia, proposes to 01/28/2010

establish a branch at 8200 Greensboro Drive, 

Suite 1400, McLean, Virginia.

XENITH BANK

* 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 February 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banco Davivienda, S.A., Bogota, Colombia, to 

convert its Edge Act banking corporation 

subsidiary, Bancafe International, to 

international bank branch offices located at 801 

Brickell Avenue, Miami, Florida, and 1110 

Brickell Avenue, Miami, Florida.

BANCO DAVIVIENDA S.A.

Newspaper:

Federal Register:

* 3A1

* 3A3

01/26/2010

01/29/2010

Florida Shores Shamrock, Inc., Naples, Florida, 

to become a bank holding company by 

acquiring at least 60 percent of the outstanding 

shares of Shamrock Bank of Florida, Naples, 

Florida, to be known as Florida Shores 

Bank-Gulf Coast; and Florida Shores Bancorp, 

Inc., along with Smith Associates Bank Fund 

Management LLC, and Smith Associates Florida 

Banking Fund LLC, all of Pompano Beach, 

Florida, to collectively acquire at least 60 

percent of the outstanding shares of Florida 

Shores Shamrock, Inc., Naples, Florida, and its 

subsidiary, Shamrock Bank of Florida, Naples, 

Florida, to be known as Florida Shores 

Bank-Gulf Coast.

FLORIDA SHORES BANCORP, 

INC.

Newspaper:

Federal Register:

* 4c8 02/01/2010

01/27/2010

Florida Shores Bancorp, Inc., Smith Associates 

Bank Fund Management LLC, and Smith 

Associates Florida Banking Fund LLC, all of 

Pompano Beach, Florida, to collectively acquire 

at least 60 percent of the outstanding shares of 

Coastal Bancorporation, Inc. and its subsidiary, 

Coastal Bank, both of Merritt Island, Florida, 

and thereby engage in operating a savings 

association, pursuant to section 4(c)(8) of the 

Bank Holding Company Act and section 

225.28(b)(4)(ii) of Regulation Y.

FLORIDA SHORES BANCORP, 

INC.

Newspaper:

Federal Register:

CIC 02/17/2010

02/16/2010

Prior change in control notice filed by Viradesh 

Kumar Nanda and Sameer Kumar Nanda, to 

acquire 17.51 percent of the outstanding shares 

of Hometown Community Bancshares, Inc., and 

its subsidiary, Hometown Community Bank, 

both of Braselton, Georgia. Total pro forma 

ownership will equal 17.51 percent.

HOMETOWN COMMUNITY 

BANCSHARES, INC.

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

IBERIABANK, Lafayette, Louisiana, for the 02/24/2010

purchase and assumption of a branch of 

IBERIABANK FSB, Little Rock, Arkansas. 

BERIABANK, Lafayette, Louisiana, in 

connection with its purchase to acquire e 

branch of IBERIABANK FSB, Little Rock, 

Arkansas, to establish the branch located at 2 

South Water Street, Mobile, Alabama.

IBERIABANK

Newspaper:

Federal Register:

CIC Not available

02/09/2010

Prior change in control notice filed by Marty E. 

Adams, Salineville, Ohio; Kevin T. Thompson, 

Saint Augustine, Florida; and John S. Loeber, 

Travelers Rest, South Carolina; to acquire 

control of Palm Bancorp, Inc., and its subsidiary 

bank, Palm Bank, both of Tampa, Florida.

PALM BANCORP, INC.

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

Federal Reserve Bank of Atlanta

Filings received during the week ending February 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

02/12/2010

State Bank Financial Corporation, Atlanta, 

Georgia, to become a bank holding company by 

acquiring 100 percent of the outstanding shares 

of State Bank and Trust Company, Macon 

(Pinehurst), Georgia.

STATE BANK FINANCIAL 

CORPORATION

* 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 February 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 02/01/2010

01/27/2010

Notice by John E. Helgerson, Ottumwa, Iowa, to 

acquire additional shares of Hedrick Bancorp, 

Inc., Hedrick, Iowa, and thereby indirectly 

Hedrick Savings Bank, Ottumwa, Iowa.

HEDRICK BANCORP, INC.

Newspaper:

Federal Register:

4c8 Not applicable

11/16/2009

Ida Grove Bancshares, Inc., Ida Grove, Iowa, 

proposes to engage de novo in leasing personal 

or real property.

IDA GROVE BANCSHARES, INC.

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Northwest Financial Corp., Arnolds Park, Iowa, 

proposes to engage denovo in investment 

advisor activities.

NORTHWEST FINANCIAL 

CORP.

Newspaper:

Federal Register:

CIC 02/18/2010

02/17/2010

Notice by Vernon R. Pfaff, individually, and as 

part of a group acting in concert with Barbara 

Ann Pfaff, both of Fairbury, Nebraska, to 

acquire over 10 percent of the outstanding 

shares of United Commerce Bancorp, 

Bloomington, Indiana, and thereby indirectly 

acquire control of United Commerce Bank, 

Bloomington, Indiana.

UNITED COMMERCE BANCORP

* 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 February 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 February 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 02/05/2010

02/12/2010

Lake Central Financial, Inc., Annandale, 

Minnesota, to become a bank holding company 

by acquiring 100 percent of Annandale State 

Bank, Annandale, Minnesota.

LAKE CENTRAL FINANCIAL, 

INC.

Newspaper:

Federal Register:

CIC Not available

02/16/2010

Change in Control Notice by Charles H. Burke 

III, Pierre, South Dakota, as an individual, to 

acquire 72 percent or more of the shares of 

South Dakota Bancshares Inc., Pierre, South 

Dakota, and thereby indirectly gain control of 

BankWest Inc., Pierre, South Dakota.

SOUTH DAKOTA 

BANCSHARES, 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 February 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Cornerstone Bank, York, Nebraska, to merge 03/01/2010

with Harvard State Bank, Harvard, Nebraska, 

and incident thereto to establish a branch, and 

to operate under the title of Cornerstone Bank, 

York, Nebraska.

CORNERSTONE BANK

Newspaper:

Federal Register:

* 3A1 Not available

02/05/2010

First National Management Group, LLC, 

Greenwood Village, Colorado, to become a bank 

holding company through the acquisition of at 

least 93 percent of the voting shares of Amoret 

Bancshares, Inc., parent of BC National Banks, 

both in Butler, Missouri.

FIRST NATIONAL 

MANAGEMENT GROUP, LLC

Newspaper:

Federal Register:

CIC Not available

02/09/2010

Notification by Verlyn Joseph Herman, Jr., and 

Aaron Joseph Herman, both of Norton, Kansas, 

as members of a family group acting in concert, 

to retain control of First Norton Corporation, 

parent of First Security Bank & Trust Company, 

both of Norton, Kansas.

FIRST NORTON CORPORATION

Newspaper:

Federal Register:

CIC 02/18/2010

02/22/2010

Notice submitted by Donna M. Curry, trustee of 

the Galen L. Curry Marital Trust, and voting 

trustee of the Voting Trust Agreement, Piqua, 

Kansas, trustee, to retain control of My Ann?s 

Corporation, and thereby indirectly retain 

control of Piqua State Bank, both in Piqua, 

Kansas.

MY ANNS CORPORATION

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 February 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

02/02/2010

Notice by Capital Z Partners III GP, LTD, George 

Town, Cayman Islands; Capital Z Partners III 

GP, L.P., George Town, Cayman Islands; Capital 

Z Partners Management, LLC, Dover, Delaware; 

Capital Z Partners III, L.P., George Town, 

Cayman Islands; and Bradley E. Cooper, New 

York, New York and Robert A. Spass, New York, 

New York, as principals, to acquire 10 percent or 

more of the shares of Opportunity Bancshares, 

Inc., Bettendorf, Iowa. Opportunity 

Bancshares, Inc. controls Opportunity Bank, 

N.A., Richardson, Texas.

OPPORTUNITY BANCSHARES, 

INC.

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

Federal Reserve Bank of Dallas

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for 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 February 6, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

01/29/2010

Carpenter Fund Manager GP, LLC, Carpenter 

Fund Management, LLC, Carpenter Community 

Bancfund, L.P., Carpenter Community 

Bancfund-A, LP, Carpenter Community 

Bancfund-CA, L.P., SCJ, Inc., and CCFW, Inc., 

all of Irvine, California, to acquire up to 87 

percent of the outstanding voting shares of 

Mission Community Bancorp and thereby 

indirectly acquire a greater controlling interest 

in Mission Community Bank, both of San Luis 

Obispo, California; and 2) Mission Community 

Bancorp and Mission Community Bank, both of 

San Luis Obispo, California, to appoint Stephen 

P. Yost as a director of both Bancorp and Bank.

CARPENTER FUND MANAGER 

GP, LLC

Newspaper:

Federal Register:

* 3A1 Not available

12/07/2009

Golden Pacific Bancorp, Inc., Sacramento, 

California, to become a Bank Holding Company 

by acquiring 100 percent of the voting stock of 

Gold Country Financial Services, Inc., and 

indirectly its subsidiary, Gold Country 

Bank,National Association, both of Marysville, 

California.

GOLDEN PACIFIC BANCORP, 

INC.

Newspaper:

Federal Register:

* 3A1

4c8

02/07/2010

02/16/2010

Grandpoint Capital, Inc., Los Angeles, 

California, to become a Bank Holding Company 

by acquiring 100 percent of the voting shares of 

Santa Ana Business Bank, Santa Ana, 

California, and 2)to engage de novo through its 

wholly-owned subsidiary, Grandpoint Capital 

Advisors, Inc., Los Angeles, California, in 

financial advisory activities to businesses and 

individuals, pursuant to section 225.28(b)(6) and 

in private placement of debt and equity 

securities activities, pursuant to section 

225.28(b)(7)(iii) of Regulation Y.

GRANDPOINT CAPITAL, INC.

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Land Bank of Taiwan Co., Ltd., Taipei, Taiwan, 

to establish a New York branch office pursuant 

to section 211.24(a)(2)(i)(A) of Regulation K.

LAND BANK OF TAIWAN

Newspaper:

Federal Register:

Foreign Branch Not applicable

Not applicable

Silicon Valley Bank, Santa Clara, California, to 

establish a branch in London, United Kingdom, 

pursuant to Section 211.3(b)(2) of Regulation K.

SILICON VALLEY BANK

Newspaper:

Federal Register:

* 3A1 02/21/2010

02/25/2010

Western Liberty Bancorp, Las Vegas, Nevada, 

to become a bank holding company by 

acquiring 100 percent of Service1st Bank of 

Nevada, Las Vegas, Nevada.

WESTERN LIBERTY 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