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 9, 2010

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

Forms -- final Board review to extend with revision the Weekly Report of Dealer 

Positions (FR 2004A), Weekly Report of Cumulative Dealer Transactions (FR 

2004B), Weekly Report of Dealer Financing and Fails (FR 2004C), Weekly Report 

of Specific Issues (FR 2004SI), Daily Report of Specific Issues (FR 2004SD), and 

Daily Report of Dealer Activity in Treasury Financing (FR 2004WI); and to conduct 

the Central Bank Survey of Foreign Exchange and Derivatives Market Activity (FR 

3036).

- Approved, January 7, 2010

Regulations and Policies

Regulation Z (Truth in Lending) -- (1) final amendments to implement certain 

provisions of the Credit Card Accountability Responsibility and Disclosure Act of 

2009 to protect credit card users from a number of costly practices and (2) 

withdrawal of certain amendments to Regulations Z and AA (Unfair or Deceptive 

Acts or Practices) that are superseded by the new amendments.

- Approved, January 7, 2010

Enforcement

First Cherokee Bancshares, Inc., Woodstock, Georgia -- written agreement with the 

Federal Reserve Bank of Atlanta and the Banking Commissioner of the State of 

Georgia.

- Announced, January 6, 2010

Heritage Bancshares, Orange Park, Florida -- written agreement with the Federal 

Reserve Bank of Atlanta.

- Announced, January 7, 2010

North Valley Bancorp, Redding, California, and North Valley Bank -- written 

agreement with the Federal Reserve Bank of San Francisco.

- Announced, January 8, 2010

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

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

Prime Pacific Financial Services, Inc., Lynnwood, Washington -- written agreement 

with the Federal Reserve Bank of San Francisco.

- Announced, January 7, 2010

Sun American Bank, Boca Raton, Florida -- issuance of a prompt corrective action 

directive with the consent of the bank.

- Announced, January 4, 2010

Sunshine Bankshares, Inc., Port Orange, Florida -- written agreement with the 

Federal Reserve Bank of Atlanta.

- Announced, January 6, 2010

Wakulla Bancorp, Crawfordville, Florida -- written agreement with the Federal 

Reserve Bank of Atlanta.

- Announced, January 6, 2010

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

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

BS&R

C&CA

FOMC

Banking Supervision and Regulation

Consumer and Comminity Affairs

Federal Open Market Committee

RBOPS Reserve Bank Operations and Payment Systems

IF International Finance

OSDM Office of Staff Director for Management

January 3, 2010 to January 9, 2010

Bank Branches, Domestic

Capital City Bank, Tallahassee, Florida -- to establish a branch at 148 South 

Highway 17, East Palatka.

Atlanta

- Approved, January 7, 2010

Comerica Bank, Dallas, Texas -- to establish a branch at 4730 State Highway 121, 

The Colony.

Dallas

- Approved, January 6, 2010

Bank Holding Companies

CIT Group, Inc., New York, New York -- request for an exemption under the 

Depository Institution Management Interlocks Act and Regulation L.

General Counsel

- Granted, January 8, 2010

Eagle Bancorp, Inc., Bethesda, Maryland -- to purchase tax certificates from political 

jurisdictions representing debt owed by customers of EagleBank to local tax 

authorities on property securing EagleBank loans.

Richmond

- Approved, January 5, 2010

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

Independent Bancshares, Inc. Employee Stock Ownership Plan, Red Bay, Alabama -- 

to acquire shares of Independent Bancshares, Inc. and its subsidiaries, Community 

Spirit Bank, Red Bay; Spirit Bancshares, Inc., Belmont, Mississippi; and Spirit Bank.

Atlanta

- Approved, January 5, 2010

S&T Bancorp, Inc., Indiana, Pennsylvania -- to acquire shares of Allegheny Valley 

Bancorp, Inc., Pittsburgh.

Secretary

- Approved, January 5, 2010

Stockgrowers State Bank Employee Stock Ownership Plan, Ashland, Kansas -- to 

acquire additional shares of Stockgrowers Banc Corporation, Ashland, and its 

subsidiary banks, Stockgrowers State Bank of Ashland, and Peoples Bank, 

Coldwater.

Kansas City

- Approved, January 7, 2010

Change in Bank Control

Faith Bank Holding Company, Faith, South Dakota -- change in bank control of Faith 

and its subsidiary bank, Farmers State Bank, Faith.

Minneapolis

- Permitted, January 6, 2010

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

(A/C) = Addition or Correction Delegated - 2 of 3
Regulations and Policies

Federal Open Market Committee -- minutes of the meeting on December 15 and 16, 

2009.

FOMC

- Published, January 6, 2010

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

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

Federal Reserve Bank of Boston

Filings received during the week ending January 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

Northampton Cooperative Bank, Northampton, 01/21/2010

Massachusetts - application to establish a new 

branch office at 390 College Street, Amherst, 

Massachusetts

NORTHAMPTON 

CO-OPERATIVE BANK

* 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 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

Not available

First Niagara Financial Group, Inc., Buffalo, New 

York, to become a bank holding company by 

acquiring Harleysville National Corporation and 

Harleysville National Bank and Trust Company, 

both of Harleysville, Pennsylvania.

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 January 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

NONE

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

Federal Reserve Bank of Philadelphia

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 9, 2010

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

 1445943 WHITAKER BK, LEXINGTON, KENTUCKY 06/15/2009 12/21/2009 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Richmond

Filings received during the week ending January 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

FBSEA Not available

Not applicable

Caja de Ahorros y Monte de Piedad de Navarra, 

Pamplona (Navarra), Spain, to establish a 

representative office in Washington, D.C.

Caja de Ahorros y Monte de 

Piedad de Navarra

Newspaper:

Federal Register:

* 3A3 01/02/2010

01/22/2010

City Holding Company, Charleston, West 

Virginia, to acquire up to 7.5% of the 

outstanding common stock of First United 

Corporation, Oakland, Maryland, and thereby 

indirectly acquire up to 7.5% of the shares of 

First United Bank & Trust Company, Oakland, 

Maryland.

CITY HOLDING COMPANY

Newspaper:

Federal Register:

4c8 Not applicable

Not applicable

Notification by Community First 

Bancorporation, Walhalla, South Carolina, that 

through its wholly-owned, nonbanking asset 

resolution company has begun to acquire 

nonperforming assets and other real estate 

owned from its subsidiary bank, Community 

First Bank, Walhalla, South Carolina.

COMMUNITY FIRST 

BANCORPORATION

Newspaper:

Federal Register:

* Branch

Not applicable

Virginia Bank and Trust Company, Danville, 01/15/2010

Virginia, to establish a branch at 1729 Calohan 

Road, Rustburg, Virginia.

VIRGINIA BANK AND TRUST 

COMPANY

* 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 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/13/2010

Prior change in control notice filed by Kirk 

Doskocil to acquire 50.1 percent of the 

outstanding shares of Bonifay Holding 

Company, Inc., and its subsidiary, Bank of 

Bonifay, both of Bonifay, Florida. Total pro 

forma ownership will equal 50.1 percent.

BONIFAY HOLDING COMPANY, 

INC.

Newspaper:

Federal Register:

* 4c8 Not available

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:

* 3A1 Not available

* 3A3 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 Shamrock, Inc.

Newspaper:

Federal Register:

CIC

Not available

Prior change in control notice filed by Eugene 01/31/2010

Frey, Naples, Florida to acquire 13 percent of 

the outstanding shares of Naples Bancorp, Inc., 

and its subsidiary bank, Bank of Naples, both of 

Naples, Florida. Total pro forma ownership will 

equal up to 13 percent.

NAPLES BANCORP, 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

 972237 TRANSATLANTIC BK, MIAMI, FLORIDA 09/24/2009 12/30/2009 S Int Sm Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of Chicago

Filings received during the week ending January 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

CIC Not available

01/24/2010

Notice by James J. Banks, Chicago, Illinois, to 

retain 10 percent or more, and to acquire 

additional shares of Belmont Financial Group, 

Inc., Chicago, Illinois, and thereby indirectly 

retain control of Belmont Bank & Trust 

Company, Chicago, Illinois.

BELMONT FINANCIAL GROUP, 

INC.

Newspaper:

Federal Register:

CIC 01/12/2010

01/20/2010

Notice by Mark A. Murvay, Lake Angelus, 

Michigan, to acquire more than 25 percent of 

the voting shares of Clarkston Financial 

Corporation, Waterford, Michigan, and thereby 

indirectly acquire control of Clarkston State 

Bank, Clarkston, Michigan.

CLARKSTON FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC 01/12/2010

01/20/2010

Notice by Hans J. Welker, White Lake, 

Michigan, to acquire more than 25 percent of 

the voting shares of Clarkston Financial 

Corporation, Waterford, Michigan, and thereby 

indirectly acquire control of Clarkston State 

Bank, Clarkston, Michigan.

CLARKSTON FINANCIAL 

CORPORATION

Newspaper:

Federal Register:

CIC Not available

Not available

Notice by Moross Limited Partnership, Grosse 

Pointe Park, Michigan, to retain control of 

FNBH Bancorp, Inc., Howell, Michigan, and 

thereby indirectly retain shares of First National 

Bank in Howell, Howell, Michigan.

FNBH BANCORP, INC.

Newspaper:

Federal Register:

CIC Not available

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:

* 3A3 01/02/2010

01/26/2010

United Community Bancorp, Inc., Chatham, 

Illinois, to acquire 100 percent of the voting 

shares of Marine Bank & Trust, Carthage, 

Illinois and Brown County State Bank, Mount 

Sterling, Illinois.

UNITED COMMUNITY 

BANCORP, INC.

* 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

 280044 BAYLAKE BK, STURGEON BAY, WISCONSIN 08/17/2009 12/31/2009 S Large Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

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

Federal Reserve Bank of St. Louis

Filings received during the week ending January 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* Branch

Not applicable

The Bank of Fayette County, Moscow, 01/22/2010

Tennessee, to establish a branch facility to be 

located at 200 Chickasaw Ridge Drive, Suite 25, 

Oakland, Tennessee.

BANK OF FAYETTE COUNTY 

THE

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

Federal Reserve Bank of St. Louis

Availability of CRA Public Evaluations 

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

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

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

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

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

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

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

O = Outstanding

S = Satisfactory

NI = Needs to improve

SN = Substantial noncompliance

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

Exam Method

CRA

Institution / Location Exam Date Rating

RSSD

ID

CRA

Public Date

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 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 18C Not available

* Branch Not applicable

The Citizens State Bank of Choteau, Choteau, 

Montana to merge with The First National Bank 

of Fairfield, Fairfield, Montana, and incident 

thereto, establish branches at 201 North Main, 

Choteau, Montana, and 390 Post Avenue, 

Vaughn, Montana.

CITIZENS STATE BANK OF 

CHOTEAU, MONTANA, THE

Newspaper:

Federal Register:

* 3A5 Not available

01/22/2010

Drayton Bancor, Inc., Drayton, North Dakota, to 

merge with Walsh County Bancorporation, Inc., 

Drayton, North Dakota

DRAYTON BANCOR, INC.

Newspaper:

Federal Register:

* 3A1 Not available

Not available

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.

* 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 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 Not available

02/03/2010

Colorow Investment Corp, Greenwood Village, 

Colorado, to become a bank holding company 

through the acquisition of 100 percent of the 

voting shares of TBHC, Inc., Englewood, 

Colorado, parent of Centennial Bank, 

Centennial, Colorado.

COLOROW INVESTMENT CORP

Newspaper:

Federal Register:

CIC 12/31/2009

12/30/2009

Notice submitted by the Robert and Norman 

Ohlde Trust, Robert and Norma Ohlde, trustees, 

Linn, Kansas; Steven and Cynthia Ohlde, Linn, 

Kansas; and Timothy and Debra Ohlde, Clyde, 

Kansas, acting in concert, to retain/acquire 

control of Elkcorp, Inc., and thereby indirectly 

retain/acquire control of The Elk State Bank, 

both in Clyde, Kansas. Notice by the Robert 

and Norma Ohlde Trust, Robert and Norma 

Ohlde, trustees, Linn, Kansas; to individually 

acquire control of Elkcorp, Inc., and thereby 

indirectly acquire control of The Elk State Bank, 

both in Clyde, Kansas.

ELKCORP, INC.

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:

* 18C

* Branch Not applicable

First State Bank of Hotchkiss, Hotchkiss, 01/28/2010

Colorado, to merge with Paonia State Bank, 

Paonia, Colorado, and to operate under the 

charter and title of First State Bank of 

Hotchkiss, Hotchkiss, Colorado. First State 

Bank of Hotchkiss, Hotchkiss, Colorado, to 

merge with Colorado Mountain Bank, 

Westcliffe, Colorado, and to operate under the 

charter and title of First State Bank of 

Hotchkiss, Hotchkiss, Colorado.

FIRST STATE BANK OF 

HOTCHKISS

Newspaper:

Federal Register:

* 3A1 Not available

01/14/2010

GFP Financial Services Company, Tulsa, 

Oklahoma, to become a bank holding company 

through the acquisition of 65.04 percent of the 

voting shares of First Pryor Bancorp, Inc., 

parent of First Pryority Bank, both in Pryor, 

Oklahoma.

GFP FINANCIAL SERVICES 

COMPANY

Newspaper:

Federal Register:

CIC 01/13/2010

01/19/2010

Notification by Charles B. Flaming, individually, 

and Charles B. Flaming and Sadle Cattle 

Company, as a group acting in concert, both of 

Paxton, Nebraska, to acquire control of 

Henderson State Company, parent of 

Henderson State Bank, both in Henderson, 

Nebraska.

HENDERSON STATE COMPANY

* 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 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

4c8 Not applicable

01/27/2010

American Bank Holding Corporation, Corpus 

Christi, Texas, to engage de novo in financial 

and investment advisory activities pursuant to 

Section 225.28(b)(6)(iii) of Regulation Y, through 

American Capital Solutions Group, Inc., Corpus 

Christi, Texas.

AMERICAN BANK HOLDING 

CORPORATION

Newspaper:

Federal Register:

4c8 Not applicable

Not available

Prior notice by One World Holdings, Inc., 

Dallas, Texas, to engage de novo in lending 

activities through One World Asset 

Management, Inc., Dallas, Texas, pursuant to 

Section 225.28(b)(1) of Regulation Y.

ONE WORLD HOLDING, INC.

Newspaper:

Federal Register:

* 3A1 01/18/2010

01/25/2010

TLCM Holdings,LLC, Richardson, Texas, to 

become a bank holding company by acquiring 

EJ Financial Corp., Dallas, Texas, EJ Delaware 

Bancshares, Inc., Dover, Delaware, and 

indirectly acquire Equity Bank, SSB, Dallas, 

Texas.

TLCM HOLDINGS, LLC

* 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 9, 2010

Filer Filing Type Filing Proposal End of Comment Period

Newspaper:

Federal Register:

* 3A1 10/16/2009

10/19/2010

BW Acquisition, LLC, and Teach and Save, LLC 

(as a controlling owner of BW Acquisition, 

LLC), both of Fountain Green, Utah, to become 

a bank holding company by acquiring 57.7 

percent of Utah Community Bancorp and 

thereby indirectly acquire Utah Community 

Bank, both of Sandy, Utah.

BW ACQUISITION, LLC

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:

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:

4c8 Not applicable

01/26/2010

Zions Bancorporation, Salt Lake City, Utah, for 

approval pursuant to Section 4(c)(8) of the BHC 

Act and Section 225.24 of Regulation Y, to 

acquire, indirectly through NetDeposit, LLC, 

Salt Lake City, Utah, all of the assets of Creative 

Cash Flow Solutions, Ltd., Lindenhurst, New 

York, and thereby engage data processing 

services under section 225.28(b)(14) of 

Regulation Y.

ZIONS 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

 3143805 PACIFIC CMRC BK, LOS ANGELES, CALIFORNIA 09/08/2009 12/24/2009 S Small Bank

CRA Examinations scheduled for Quarter of 

Institution Location

NONE

* Subject to the provisions of the Community Reinvestment Act