Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 37 

Week Ending September 15, 2012

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

Forms -- initial Board review to extend without revision the Consolidated Bank 

Holding Company Report of Equity Investments in Nonfinancial Companies 

(FR Y-12) and Annual Report of Merchant Banking Investments Held for an 

Extended Period (FR Y-12A).

- Proposed, September 11, 2012

Enforcement

Doral Financial Corporation, San Juan, Puerto Rico -- (1) written agreement with the 

Federal Reserve Bank of New York and (2) cease and desist order dated March 16, 

2006, terminated September 11, 2012 (two notices).

- Announced, September 13, 2012

The State Bank of Geneva, Geneva, Illinois -- written agreement with the Federal 

Reserve Bank of Chicago and the Illinois Department of Financial and Professional 

Regulation, Division of Banking.

- Announced, September 13, 2012

H.2 Board Actions September 9, 2012 to September 15, 2012

(A/C) = Addition or Correction Board - Page 1 of 1
H.2 Actions under delegated authority

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Community Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

September 9, 2012 to September 15, 2012

MA Monetary Affairs

Bank Branches, Domestic

ChoiceOne Bank, Sparta, Michigan -- to establish a courier service at 109 East 

Division Street, Sparta.

Chicago

- Approved, September 10, 2012

Citizens Bank and Trust Company, Blackstone, Virginia -- to establish a branch at 

Iron Bridge Road and Oliver's Way, Chesterfield.

Richmond

- Approved, September 14, 2012

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 7911 U.S. Highway 42, 

Florence, Kentucky.

Cleveland

- Approved, September 13, 2012

First Bank of Utica, Utica, Nebraska -- to establish a branch at 407 7th Street, 

Milligan.

Kansas City

- Approved, September 14, 2012

GNB Bank, Grundy Center, Iowa -- to establish a branch at 2504 South 2nd Street, 

Marshalltown.

Chicago

- Approved, September 13, 2012

(A/C) = Addition or Correction Delegated - 1 of 4
Bank Branches, Domestic

LegacyTexas Bank, Plano, Texas -- to establish a branch at 7300 Dallas Parkway, 

Plano.

Dallas

- Approved, September 14, 2012

Monarch Bank, Chesapeake, Virginia -- to establish a branch at 4097 Ironbound 

Road, Williamsburg.

Richmond

- Approved, September 14, 2012

Bank Holding Companies

American Bancor, Ltd., Dickinson, North Dakota -- to acquire North Country Bank, 

National Association, McClusky.

Minneapolis

- Approved, September 14, 2012

American National Corporation, Omaha, Nebraska -- to acquire Western Bank, 

St. Paul, Minnesota.

Secretary

- Approved, September 12, 2012

First State Bank of the Florida Keys Holding Company, Key West, Florida -- relief 

from a commitment.

Atlanta

- Granted, September 14, 2012

H.2 Actions under delegated authority September 9, 2012 to September 15, 2012

(A/C) = Addition or Correction Delegated - 2 of 4
Bank Holding Companies

FVNB Corp., Victoria, Texas; MOW/RPW II, Ltd.; and MOW/RPW Holdings II, 

LLC -- to acquire First State Bank, New Braunfels.

Dallas

- Approved, September 12, 2012

New Hampshire Mutual Bancorp, Manchester, New Hampshire -- to become a 

mutual bank holding company through the acquisition of Meredith Village Savings 

Bank, Meredith.

Boston

- Withdrawn, September 14, 2012

Bank Mergers

Equity Bank, Andover, Kansas -- to merge with First Community Bank, Lee's 

Summit, Missouri, and thereby establish branches.

Kansas City

- Approved, September 10, 2012

Banks, Foreign

Doha Bank, Doha, Qatar -- to establish a representative office in New York, 

New York.

New York

- Withdrawn, September 13, 2012

Change in Bank Control

Florida Bancshares, Inc., Dade City, Florida -- change in bank control of Florida 

Bancshares and its subsidiary bank, First National Bank of Pasco, Dade City. 

Atlanta

- Permitted, September 13, 2012

H.2 Actions under delegated authority September 9, 2012 to September 15, 2012

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

Susquehanna Bank, Lititz, Pennsylvania -- extension to December 18, 2012, to 

assume the deposit liabilities of Community First Bank, Pikesville, Maryland.

Philadelphia

- Granted, September 11, 2012

H.2 Actions under delegated authority September 9, 2012 to September 15, 2012

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

Federal Reserve Bank of Boston

Filings received during the week ending September 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/28/2012

09/28/2012

Application by Eastern Bank Corporation, 

Boston, Massachusetts, to acquire Campello 

Bancorp, and its subsidiary bank, The 

Community Bank, A Massachusetts 

Co-operative Bank, both of Brockton, 

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

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

of 1956, as amended.

EASTERN BANK 

CORPORATION

* 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 September 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

09/17/2012

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire fifty additional shares of 473 

Broadway Holding Corporation and acquire two 

thousand additional shares of The Adirondack 

Trust Company, both of Saratoga Springs, New 

York.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, THE

Newspaper:

Federal Register:

* 3A3 08/30/2012

08/31/2012

Oriental Financial Group Inc, San Juan, Puerto 

Rico, to acquire 100 percent of BBVAPR 

Holding Corporation, San Juan, Puerto Rico and 

thereby indirectly acquire Banco Bilbao Vizcaya 

Argentaria Puerto Rico, San Juan, Puerto Rico.

ORIENTAL FINANCIAL GROUP 

INC.

Newspaper:

Federal Register:

* 3A1 Not available

09/26/2012

RSB Bancorp, MHC and RSB Bancorp, Inc., 

both of Roselle, New Jersey, to become bank 

holding companies by acquiring 100 percent of 

Roselle Savings Bank, Roselle, New Jersey.

RSB BANCORP, MHC

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Wing Lung Bank Limited, Hong Kong, to 

establish a federal branch in San Francisco, 

California and to upgrade its Los Angeles 

federal limited branch to a full service branch, 

pursuant to Section 7(d) of the International 

Banking Act.

WING LUNG BANK LIMITED

* 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 September 15, 2012

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

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 September 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

09/30/2012

Notice by James Richard Smail and J.R. Smail, 

Inc., to gain control of National Bancshares 

Corporation, Orrville, Ohio

NATIONAL BANCSHARES 

CORPORATION

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

Federal Reserve Bank of Cleveland

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending September 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Chesapeake Bank, Kilmarnock, Virginia, to 09/24/2012

establish a branch at 6000 Patriots Colony 

Drive, Williamsburg, Virginia

CHESAPEAKE 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 September 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A5 09/30/2012

10/12/2012

EdBancorp, Inc. and its parent company, 

Educational Services of America, Inc., both of 

Knoxville, Tennessee, to merge with SouthEast 

Bancshares, Inc., and its subsidiary, SouthEast 

Bank & Trust, both of Athens, Tennessee.

EDBANCORP, 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 September 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

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:

* Branch

Not applicable

GNB Bank, Grundy Center, Iowa, to establish a 08/31/2011

full service branch at 2504 South 2nd Street, 

Marshalltown, Iowa.

GNB BANK

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by the Garst Family (Elizabeth Garst, 

Edward Garst and Rachel Garst of Coon Rapids, 

Iowa; Jennifer Garst, Ames, Iowa; Kate Garst 

Revocable Trust, Des Moines, Iowa, Kate Garst 

Trustee; Sarah Garst, West Des Moines, Iowa), 

as a group acting in concert and individually by 

Elizabeth Garst, Sarah Garst, and Sally Garst 

Haerr, Fairfield, Iowa, for approval to increase 

control to more than 25 percent of Perry 

Investment Company, Perry, Iowa, and thereby 

indirectly control Raccoon Valley Bank, Perry, 

Iowa.

PERRY INVESTMENT COMPANY

Newspaper:

Federal Register:

* MHC Not available

Conversion

* SLHC 

Formation

Not available

United Community MHC, which currently owns 

59.4 percent of the common stock of United 

Community Bancorp, will merge with and into 

United Community Bancorp, with United 

Community Bancorp being the surviving entity; 

United Community Bancorp will merge with and 

into new United Community Bancorp, an 

Indiana corporation formed to be the holding 

company for United Community Bank, with new 

United Community Bancorp being the surviving 

entity; the outstanding shares of United 

Community Bancorp, other than those held by 

United Community MHC, will be converted into 

shares of common stock of new United 

Community Bancorp; and new United 

Community Bancorp will offer shares of its 

common stock for sale in a subscription offering 

and, if necessary, in a direct community offering 

and/or syndicated community offering or an 

underwritten public offering.

UNITED COMMUNITY 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

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 September 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/02/2012

Notice by Clayton B. Patrick, Frankfort, 

Kentucky, to gain control of American 

Founders Bancorp, Inc., Lexington, Kentucky.

AMERICAN FOUNDERS 

BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 10/12/2012

10/09/2012

Financial Services Holding Corporation, 

Henderson, Kentucky, to acquire 100 percent of 

Harrison Bancorporation, Cynthiana, Kentucky, 

and thereby indirectly acquire The Harrison 

Deposit Bank and Trust Company, Cynthiana, 

Kentucky.

FINANCIAL SERVICES HOLDING 

CORPORATION

Newspaper:

Federal Register:

* 3A3

* 18C

* Branch

09/22/2012

09/21/2012

Home BancShares, Inc., Conway, Arkansas, to 

acquire 100 percent of Premier Bank, 

Tallahassee, Florida. Also Centennial Bank, 

Conway, Arkansas, to merge with Premier Bank 

Tallahassee, Florida, and to retain the acquired 

facilities as branch offices.

HOME BANCSHARES, INC.

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Minneapolis

Filings received during the week ending September 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 09/17/2012

09/07/2012

Frandsen Financial Corporation, Arden Hills, 

Minnesota, to acquire 100% of Clinton State 

Bank, Clinton, Minnesota.

FRANDSEN FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

09/24/2012

Retroactive change in control notice by Brian 

Darold Petersen, Livingston, Montana, to retain 

25% or more of the shares of Lakeside Bank 

Holding Company, New Town, North Dakota, 

and thereby indirectly retain control of Lakeside 

State Bank, New Town, North Dakota, and 

McKenzie County Bank, Watford City, North 

Dakota.

LAKESIDE 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

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 September 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 4c8

* 18C

* Branch

09/17/2012

09/21/2012

American Bancorporation, Inc., Sapulpa, 

Oklahoma, to acquire Osage Bancshares, Inc., 

parent of Osage Federal Bank, both in 

Pawhuska, Oklahoma, and thereby engage in 

the operation of a savings association. 

American Heritage Bank, Sapulpa, Oklahoma, to 

merge with Osage Federal Bank, Pawhuska, 

Oklahoma, and incident thereto, to establish 

branches in Barnsdale, Bartlesville, and 

Pawhuska, Oklahoma.

AMERICAN 

BANCORPORATION, INC.

Newspaper:

Federal Register:

CIC 09/06/2012

09/06/2012

Notification by Randal S. Shannon, Drexel, 

Missouri, to acquire control of Bates County 

Bancshares, Inc., parent of Security Bank, both 

in Rich Hill, Missouri.

BATES COUNTY BANCSHARES, 

INC.

Newspaper:

Federal Register:

CIC Not available

Not available

Notification by the Males Family Trust and 

Males 2010 Trust, Mikael Lowell Males, trustee; 

Mikael Lowell Males, individually, all of 

Edmond, Oklahoma, and all as members of the 

Males Family group, to acquire control of 

Cheyenne Banking Corporation, parent of 

Security State Bank, both in Cheyenne, 

Oklahoma.

CHEYENNE BANKING 

CORPORATION

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

First Missouri Bank, Brookfield, Missouri, to 

merge with Citizens Bank of Blythedale, 

Blythedale, Missouri, and incident thereto, to 

establish 3 branches in Blythedale, Eagleville, 

and Ridgeway, Missouri.

FIRST MISSOURI BANK

Newspaper:

Federal Register:

CIC 09/25/2012

09/18/2012

Notice by Billy D. Cole and Joy Y. Cole, St. 

Joseph, Missouri; Nancy Stonner, Blue Springs, 

Missouri; Norma Cole, Redmond, Washington; 

Mary Benson, New York, New York; and 

Thomas Cole, Liberty, Missouri; as a group 

acting in concert, to acquire control of St. 

Joseph Bancorp, Inc., parent of Midwest 

Federal Savings and Loan Association of St. 

Joseph, both in St. Joseph, Missouri.

ST. JOSEPH BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

09/20/2012

Notice by Timothy C. Kohart, Syracuse, 

Kansas, individually, including as co-trustee of 

the Valley Bancorp, Inc. ESOP, and together 

with his spouse, Marilyn S. Kohart, Syracuse, 

Kansas, acting as a group in concert, to retain 

control of Valley Bancorp, Inc., parent of Valley 

State Bank, both in Syracuse, Kansas.

VALLEY BANCORP, INC.

Newspaper:

Federal Register:

* 3A3 Not available

10/05/2012

Weed Investment Group, Inc., Cheyenne Wells, 

Colorado, to acquire 100 percent of the voting 

shares of Kit Carson Insurance Agency, Inc., 

Kit Carson, Colorado, parent of The Kit Carson 

State Bank, Kit Carson, Colorado.

WEED INVESTMENT GROUP, 

INC.

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

Federal Reserve Bank of Kansas City

Filings received during the week ending September 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

4c8 Not available

Yorktown Financial Holdings, Inc., Tulsa, 

Oklahoma, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of CNBO Bancorp, Inc., parent of 

Century Bank of Oklahoma, both in Pryor, 

Oklahoma. Yorktown Financial Holdings, Tulsa, 

Oklahoma, to engage indirectly in mortgage 

lending activities, through the acquisition of 100 

percent of CNBO Bancorp, Inc., parent of 

Century Bank of Oklahoma, both in Pryor, 

Oklahoma, which owns a 51 percent interest in 

Century Home Mortgage of Oklahoma, LLC, 

Tulsa, Oklahoma, which owns a 32.67 percent 

interest in Oklahoma Mortgage Lenders, a series 

of The Lending Partners, Ltd., Plano, Texas.

YORKTOWN FINANCIAL 

HOLDINGS, INC.

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

Federal Reserve Bank of Kansas City

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

NONE

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Dallas

Filings received during the week ending September 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC 09/18/2012

09/18/2012

Rebecca Watson Vizard, St. Joseph Louisiana; 

Michael Rene Vizard, St. Joseph, Louisiana; 

Sarah Scott Vizard, New Orleans, Louisiana; 

Michael Ross Vizard, Nashville, Tennessee; and 

William Wade Watson, St. Joseph, Louisiana, 

(collectively known as the "Vizard Family 

Group") to retain control of 25 percent or more 

of the shares of, and thereby control of, BSJ 

Bancshares, Inc., St. Joseph, Louisiana, and 

indirectly Cross Keys Bank, St. Joseph, 

Louisiana.

BSJ BANCSHARES, INC.

Newspaper:

Federal Register:

* Branch

Not applicable

Southwest Bank, Fort Worth, Texas, to 09/21/2012

establish a branch to be located at 2200 Pool 

Road, Suite 108, Grapevine, Texas 76051.

SOUTHWEST BANK

* 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 September 15, 2012

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

Member Not applicable

Not applicable

CommerceWest Bank, National Association, 

Newport Beach, California, to become a member 

of the Federal Reserve System.

COMMERCEWEST BANK, 

NATIONAL ASSOCIATION

Newspaper:

Federal Register:

* 3A3 Not available

Not available

FNB Bancorp, South San Francisco, California, 

requests a waiver from filing a Section 3 

application in connection with the merger of 

Oceanic Bank, San Francisco, California, into 

First National Bank of Northern California, 

South San Francisco, California.

FNB BANCORP

Newspaper:

Federal Register:

* 18C Not available

Not applicable

Green Dot Bank, Provo, Utah, to acquire certain 

assets and assume certain liabilities of Synovus 

Bank, Columbus, Georgia.

GREEN DOT BANK DBA 

BONNEVILLE BANK

Newspaper:

Federal Register:

CIC 09/23/2012

09/18/2012

Gapstow Capital Partners, L.P.; CJA Private 

Equity Financial Restructuring Master Fund I, 

L.P.; CJA Private Equity Financial Restructuring 

Fund I, Ltd., and its investors; CJA Private 

Equity Financial Restructuring GP I, Ltd.; 

Christopher J. Acito & Associates GP, LLC; 

Christopher J. Acito; and Jack T. Thompson; all 

of New York, New York; and Timothy S.F. 

Jackson, Newtown, Connecticut; to acquire 

voting shares of Oregon Pacific Bancorp, and 

thereby indirectly acquire voting shares of 

Oregon Pacific Banking Co. DBA Oregon Pacific 

Bank, both of Florence, Oregon.

OREGON PACIFIC BANCORP

Newspaper:

Federal Register:

* 3A5 Not available

4c8 09/21/2012

Western Alliance Bancorporation, Phoenix, 

Arizona, to merge with Western Liberty 

Bancorp, and thereby indirectly acquire its 

subsidiary bank, Service1st Bank of Nevada, 

both of Las Vegas, Nevada; and 2) Western 

Alliance Bancorporation, Phoenix, Arizona, to 

acquire Las Vegas Sunset Properties, Las 

Vegas, Nevada, and thereby engage in 

extending credit and servicing loans, pursuant 

to section 225.28 (b)(1) of Regulation Y.

WESTERN ALLIANCE 

BANCORPORATION

* 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