Federal Reserve Release

H.2

Actions of the Board, Its Staff,

and the Federal Reserve Banks; 

Applications and Reports Received

No. 2 

Week Ending January 12, 2013

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

Forms -- final Board review to revise without extension the Consolidated Financial 

Statements for Bank Holding Companies (FR Y-9C).

- Approved, January 11, 2013

Forms -- initial Board review to extend without revision the Notice of Branch 

Closure (FR 4031) and Reports Related to Securities of State Member Banks as 

Required by Regulation H (Reg H-1).

- Proposed, January 11, 2013

Monetary and Financial Policy

Term Deposit Facility -- TDF auction of $3 billion in 28-day term deposits on 

January 14, 2013.

- Announced, January 9, 2013

Reserve Bank Operations

Board Policies on Federal Reserve Banks -- to revise or rescind several policies 

related to Reserve Bank operations and activities.

- Approved, December 20, 2012

(A/C)

H.2 Board Actions January 6, 2013 to January 12, 2013

(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

January 6, 2013 to January 12, 2013

MA Monetary Affairs

Bank Branches, Domestic

Cornerstone Bank, York, Nebraska -- to establish a branch at 211 Winters Avenue, 

Glenvil.

Kansas City

- Approved, January 8, 2013

Farmers Bank and Trust Company, Blytheville, Arkansas -- to establish a branch at 

3644 West State Highway 18, Manila.

St. Louis

- Approved, January 11, 2013

Farmers Bank, Windsor, Virginia -- to establish a branch at 28319 Southampton 

Parkway, Courtland, and to invest in bank premises.

Richmond

- Approved, January 11, 2013

HCSB, a State Banking Association, Plainview, Texas -- to establish a branch at 

201 West 6th Street, Plainview.

Dallas

- Approved, January 11, 2013

Bank Holding Companies

Carpenter Bank Partners, Inc., et al., Irvine, California -- modification of certain 

commitments.

San Francisco

- Granted, January 11, 2013

(A/C) = Addition or Correction Delegated - 1 of 3
Bank Holding Companies

First Dakota Financial Corporation, Yankton, South Dakota, and First Dakota 

National Bank -- waiver of application to acquire Bank 360, Beresford, in connection 

with its merger with and into First Dakota National Bank, Yankton.

Minneapolis

- Granted, January 11, 2013

Banks, State Member

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

investments.

Director, BS&R

- Approved, December 17, 2012

(A/C)

Change in Bank Control

Horizon Bancorp, Michigan City, Indiana -- change in bank control of Horizon 

Bancorp and its subsidiary, Horizon Bank, National Association, Michigan City.

Chicago

- Permitted, January 9, 2013

Extensions of Time

FNB Bancorp, South San Francisco, California -- extension to February 13, 2013, to 

retain control of FNB Bancorp and its subsidiary, First National Bank of Northern 

California, South San Francisco.

San Francisco

- Granted, January 9, 2013

H.2 Actions under delegated authority January 6, 2013 to January 12, 2013

(A/C) = Addition or Correction Delegated - 2 of 3
Extensions of Time

Live Oak Bancshares, Inc., Wilmington, North Carolina -- commenters' requests to 

extend the comment period on the application to acquire Government Loan 

Solutions, Inc., Cleveland, Ohio.

Secretary

- Denied, January 7, 2013

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

Illinois -- extension to April 20, 2013, to increase its ownership of Minier Financial, 

Inc., Minier, and thereby increase its indirect ownership of First Farmers State Bank.

Chicago

- Granted, January 9, 2013

H.2 Actions under delegated authority January 6, 2013 to January 12, 2013

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

Federal Reserve Bank of Boston

Filings received during the week ending January 12, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1

* 18C

01/12/2013

01/22/2013

1854 Bancorp, Cambridge, Massachusetts to 

become a mutual holding company through the 

acquisition of East Cambridge Savings Bank, 

Cambridge, Massachusetts, pursuant to section 

3(a)(1) of the BHC Act.

1854 BANCORP

Newspaper:

Federal Register:

* 3A1 Not available

01/19/2013

Application by Franklin Bancorp MHC, 

Franklin, New Hampshire to establish a mutual 

bank holding company through the acquisition 

of Franklin Savings Bank, Franklin, New 

Hampshire. The filing was submitted pursuant 

to section 3(a)(1) of the Bank Holding Company 

Act of 1956, as amended.

FRANKLIN BANCORP MHC

* 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 January 12, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A3 Not available

Not available

The Adirondack Trust Company Employee 

Stock Ownership Trust, Saratoga Springs, New 

York, to acquire fifty additional shares of 473 

Broadway Holding Corporation and two 

thousand additional shares of The Adirondack 

Trust Company, both of Saratoga Springs, New 

York.

ADIRONDACK TRUST 

COMPANY EMPLOYEE STOCK 

OWNERSHIP TRUST, THE

* 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 January 12, 2013

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 January 12, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 12, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Banque Centrale Populaire, Casablanca, 

Morocco, to establish a representative office in 

Washington, D.C.

BANQUE CENTRALE 

POPULAIRE

Newspaper:

Federal Register:

* Branch

Not applicable

StellarOne Bank, Christiansburg, Virginia, to 01/18/2013

establish a branch at 9605 Gayton Road, 

Richmond, Virginia

STELLARONE 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 January 12, 2013

Filer Filing Type Filing Proposal End of Comment Period

NONE

* 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 January 12, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/31/2013

The group consisting of the Robert M. Wrobel 

Trust, Mr. Robert Wrobel, Glencoe, Illinois, as 

Trustee; the Debra Wrobel Trust, Debra 

Wrobel, Glencoe, Illinois, as Trustee; three 

related Wrobel Family Trusts, Debra Wrobel, 

Glencoe, Illinois, as Trustee; and Dr. Jack 

Havdala, Jonesboro, Arkansas; propose to 

acquire above 25 percent of the shares of 

Amalgamated Investments Company, Chicago, 

Illinois and thereby indirectly acquire control of 

Amalgamated Bank of Chicago, Chicago, 

Illinois.

AMALGAMATED 

INVESTMENTS COMPANY

Newspaper:

Federal Register:

CIC Not available

01/31/2013

Stanley Dickson, Jr., Gross Pointe Park, 

Michigan, as an individual, and the group 

consisting of Stanley Dickson, Jr., Gross Pointe 

Park, Michigan, Steven Dickson, Rancho Santa 

Fe, California, Kathryn J. Dickson, Howell, 

Michigan and Riddle Limited Partnership, 

Howell, Michigan ("Riddle LP"), propose to 

acquire control of FNBH Bancorp, Inc., Howell, 

Michigan ("FNBH"), and thereby indirectly 

control First National Bank in Howell, Howell, 

Michigan.

FNBH BANCORP, INC.

Newspaper:

Federal Register:

3A1 Not applicable

Not applicable

Lake Shore III Corporation, Glenwood City, 

Wisconsin, to become a bank holding company 

through the acquisition of Hiawatha National 

Bank, Hager City, Wisconsin.

Lake Shore III Corporation

Newspaper:

Federal Register:

CIC 12/11/2012

01/07/2013

Trident SBI Holdings, L.P., Trident SBI GP 

Holdings, LLC, Trident V, L.P., Trident V Parallel 

Fund, L.P., Trident V Professionals Fund, L.P., 

Trident Capital V, L.P., Trident Capital V PF, 

L.P., Stone Point Capital LLC, Stone Point GP 

Ltd, SPC Management Holdings, LLC, CD 

Trident V, LLC, MH Trident V, LLC, JC Trident 

V, LLC, DW Trident V, LLC, NZ Trident V, LLC, 

and Charles A. Davis, all of Greenwich, 

Connecticut, and James D. Carey, Riverside, 

Connecticut, Meryl D. Hartzband and David J. 

Wermuth, both of New York, New York, and 

Nicholas D. Zerbib, Larchmont, New York, to 

acquire 10 percent or more of the voting shares 

of Standard Bancshares, Inc., and thereby 

indirectly acquire control of Standard Bank and 

Trust Company, both of Hickory Hills, Illinois.

STANDARD BANCSHARES, INC.

Newspaper:

Federal Register:

* 3A3 Not available

02/01/2013

Van Buren Bancorporation, Inc., Keosauqua, 

Iowa, to acquire 100 percent of First Iowa State 

Bank, Albia, Iowa.

VAN BUREN 

BANCORPORATION

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

Federal Reserve Bank of Chicago

Filings received during the week ending January 12, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* MHC Not available

Conversion 12/18/2012

WBSB Bancorp, MHC proposes to convert to 

stock form and merge with and into WBSB 

Bancorp, Inc. (the "Bancorp"), an existing 

savings and loan holding company. Immediately 

after the merger, the Bancorp will merge with 

and into a new company called Westbury 

Bancorp, Inc., which will become a savings and 

loan holding company through the acquisition 

of 100 percent of the outstanding stock of 

Westbury Bank, a federal stock savings bank 

headquartered in West Bend, Wisconsin.

WBSB BANCORP, 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 January 12, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C

* Branch Not applicable

Arvest Bank, Fayetteville, Arkansas, to 02/08/2013

purchase certain assets and assume certain 

liabilities of 29 branch offices of Bank of 

America, N.A., Charlotte, North Carolina, and to 

retain the acquired facilities as a branch offices.

ARVEST BANK

Newspaper:

Federal Register:

* 3A1 01/25/2013

01/31/2013

Jacksonville Bancorp, Inc., Jacksonville, Illinois, 

proposes to become a bank holding company 

though the termination of the savings and loan 

holding company election by its subsidiary 

savings association, Jacksonville Savings Bank, 

Jacksonville, Illinois, pursuant to Section 10(l) 

of the Home Owners Loan Act.

JACKSONVILLE BANCORP, INC

Newspaper:

Federal Register:

Premises Not applicable

Not applicable

Ohio Valley Financial Group, Henderson, 

Kentucky, to increase its amount of permitted 

investment in bank premises by $1,900,000, from 

$7,500,000 to $9,400,000, or 188% of capital 

stock and related surplus.

OHIO VALLEY FINANCIAL 

GROUP, 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 January 12, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/07/2013

Change in Control notice by James and Nita 

Wallenfelsz, both of North Oaks, Minnesota, to 

acquire 25 percent or more of the shares of N.A. 

Corporation, Roseville, Minnesota, and thereby 

indirectly gain control of North American 

Banking Company, Roseville, Minnesota.

N.A. CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Thomas Winkels, individually and as trustee of 

six McNeilus Family Trusts, and Donna 

McNeilus, individually, all of Dodge Center, 

Minnesota, to acquire or retain control of 25 

percent or more of the shares and thereby 

control of Sterling Financial Group, Inc., 

Rochester, Minnesota (SFG). SFG controls 

Sterling State Bank, Austin, Minnesota. In 

addition, Thomas Winkels; Myrlane Winkels, 

Dodge Center, Minnesota; Christopher 

Winkels, New Market, Minnesota; Sara 

Winkels, Dodge Center, Minnesota; and the six 

McNeilus Family Trusts, Dodge Center, 

Minnesota; comprise the Winkels and 

McNeilus Family Trust group, and Donna 

McNeilus; Justin McNeilus, Byron, Minnesota; 

Christina McNeilus, Dodge Center, Minnesota; 

and Kimberly McNeilus, Dodge Center, 

Minnesota; to join the McNeilus Family 

Shareholder group which both control 25% or 

more of the shares and thereby control SFG and 

indirectly control Sterling State Bank.

STERLING FINANCIAL GROUP, 

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 January 12, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

F&M Bank & Trust Company, Tulsa, Oklahoma, 

established two operating subsidiaries, 

Blackburn Holdings OK. LLC, Tulsa, Oklahoma; 

and Blackburn Holdings TX, LLC, Dallas, Texas, 

for the purpose of holding other real estate 

owned by the bank.

F&M BANK & TRUST 

COMPANY, THE

Newspaper:

Federal Register:

CIC 01/22/2013

01/18/2013

Notice submitted by the Davis Family Trust; 

Steven C. Davis, P.C.; the Steven C. Davis 

Succession Trust; the Ricky J. Davis 

Succession Trust; and the Kenneth R. Davis 

Succession Trust, all of Oklahoma City, 

Oklahoma; and Scott R. Duncan, Oklahoma City, 

Oklahoma, as trustee of the Steven C. Davis 

Succession Trust, the Ricky J. Davis 

Succession Trust, and the Kenneth R. Davis 

Succession Trust, to become a part of the group 

acting in concert to acquire control of First 

Commercial Bancshares, Inc., Edmond, 

Oklahoma, parent of First Commercial Bank, 

Edmond, Oklahoma.

FIRST COMMERCIAL 

BANCSHARES, INC.

Newspaper:

Federal Register:

CIC Not available

01/31/2013

Notice submitted by Dalene M. Selko, to acquire 

control of Selko Banco, Inc., parent of Bank of 

Mead, all of Mead, Nebraska.

SELKO BANCO, INC.

Newspaper:

Federal Register:

CIC Not available

01/25/2013

Notice submitted by the Donald L. Patry 

Revocable Trust, Newton, Kansas; Ellen M. 

Patry Revocable Trust, Newton, Kansas, and 

Ellen Patry, trustee, Newton, Kansas; Corey and 

Cynthia Patry, Wichita, Kansas; Brandon Patry, 

Valley Center, Kansas, and Katie Patry, Valley 

Center, Kansas, as a group acting in concert, to 

retain control of Whitewater Bancshares, Inc., 

parent of Bank of Whitewater, both in 

Whitewater, Kansas.

WHITEWATER BANCSHARES, 

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 January 12, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

WestStar Bank, El Paso, Texas, to establish a de 01/18/2013

novo branch at 555 South Telshor Blvd., Las 

Cruces, New Mexico 88011.

WESTSTAR 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 January 12, 2013

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

10/30/2012

Notice by Thomas Galt Atwood, Glen Ellen, 

California, and Cypress Abbey Company, 

Colma, California, to retain 10 percent or more of 

the outstanding shares of capital stock of FNB 

Bancorp, and thereby indirectly retain 10 perent 

or more of the voting shares of First National 

Bank of Northern California, both of South San 

Francisco, California.

FNB BANCORP

* 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