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.* 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 H.2 Board Actions January 3,2010 to January 9,2010 Forms Forms —finalBoard 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, Januaiy 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and (2) withdrawal of certain amendments to Regulations Z and AA (Unfair or Deceptive Acts or Practices) that are superseded by the new amendments.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 (A/C) = Addition or Correction Board - Page 1 of 2 H.2 Board Actions January 3, 2010 to January 9,2010 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 (A/C) = Addition or Correction Board - Page 2 of 2 H.2 Actions under delegated authority BS&R Banking Supervision and Regulation C&CA Consumer and Comminity Affairs FOMC Federal Open Market Committee January 3,2010 to January 9,2010 RBOPS Reserve Bank Operations and Payment Systems IF International Finance OSDM Office of Staff Director for Management Bank Branches, Domestic Atlanta Capital City Bank, Tallahassee, Florida ~ to establish a branch at 148 South Highway 17, East Palatka. - Approved, January 7, 2010 Dallas Comerica Bank, Dallas, Texas ~ to establish a branch at 4730 State Highway 121, The Colony. - Approved, January 6,2010 Bank Holding Companies General Counsel CIT Group, Inc., New York, New York — request for an exemption under the Depository Institution Management Interlocks Act and Regulation L. - Granted, January 8, 2010 Richmond 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. - Approved, January 5, 2010 (A/C) = Addition or Correction Delegated - 1 of 3 H.2 Actions under delegated authority January 3,2010 to January 9,2010 Bank Holding Companies Atlanta 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. - Approved, January 5, 2010 Secretary S&T Bancorp, Inc., Indiana, Pennsylvania — to acquire shares of Allegheny Valley Bancorp, Inc., Pittsburgh. - Approved, January 5, 2010 Kansas City 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. - Approved, January 7, 2010 Change in Bank Control Minneapolis Faith Bank Holding Company, Faith, South Dakota — change in bank control of Faith and its subsidiary bank, Farmers State Bank, Faith. - Permitted, January 6, 2010 (A/C) = Addition or Correction Delegated - 2 of 3 H.2 Actions under delegated authority January 3,2010 to January 9,2010 Regulations and Policies FOMC Federal Open Market Committee — minutes of the meeting on December 15 and 16, 2009. - Published, January 6, 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 NORTHAMPTON CO-OPERATIVE BANK Filing Type * Branch * Subject to the provisions of the Community Reinvestment Act Filing Proposal Northampton Cooperative Bank, Northampton, Massachusetts - application to establish a new branch office at 390 College Street, Amherst, Massachusetts End of Comment Period Newspaper: 01/21/2010 Federal Register: Not applicable District: 1 Federal Reserve Bank of Boston Availability of CRA P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD Exam Date Institution / Location ID NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 2 Federal Reserve Bank of New York Filings received during the week ending January 9, 2010 Filer FIRST NIAGARA FINANCIAL GROUP, INC. Filing Type * 3A1 * Subject to the provisions of the Community Reinvestment Act Filing Proposal 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. End of Comment Period Newspaper: Federal Register: Not available Not available District: 2 Federal Reserve Bank of New York Availability of C R A P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD ID Exam Date Institution / Location NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 3 Federal Reserve Bank of Philadelphia Filings received during the week ending January 9, 2010 Filer Filing Type NONE * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period District: 3 Federal Reserve Bank of Philadelphia Availability of CRA P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD Exam Date Institution / Location ID NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 4 Federal Reserve Bank of Cleveland Filings received during the week ending January 9, 2010 Filer Filing Type NONE * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period District: 4 Federal Reserve Bank of Cleveland Availability of CRA P u b l i c E v a l u a t i o n s 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: 0 = 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. RSSD CRA ID Institution / Location 1445943 WfflTAKERBK, LEXINGTON, KENTUCKY CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Exam Date Public Date 06/15/2009 12/21/2009 CRA Rating Exam Method S Large Bank District: 5 Federal Reserve Bank of Richmond Filings received during the week ending January 9, 2010 Filer Filing Type Caja de Ahorros y Monte de Piedad de Navarra FBSEA CITY HOLDING COMPANY *3A3 COMMUNITY FIRST BANCORPORATION 4c8 VIRGINIA BANK AND TRUST COMPANY * Branch * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period Caja de Ahorros y Monte de Piedad de Navarra, Pamplona (Navarra), Spain, to establish a representative office in Washington, D C. Newspaper: Not available Federal Register: Not applicable City Holding Company, Charleston, West Virginia, to acquire up to 7.5% of the outstanding common stock of First United Corporation, Oakland, Maiyland, and thereby indirectly acquire up to 7.5% of the shares of First United Bank & Trust Company, Oakland, Maryland. Newspaper: 01/02/2010 Federal Register: 01/22/2010 Newspaper: Not applicable Federal Register: 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. Virginia Bank and Trust Company, Danville, Virginia, to establish a branch at 1729 Calohan Road, Rustburg, Virginia. Newspaper: 01/15/2010 Federal Register: Not applicable District: 5 Federal Reserve Bank of Richmond Availability of C R A P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD ID Exam Date Institution / Location NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 6 Federal Reserve Bank of Atlanta Filings received during the week ending January 9, 2010 Filer Filing Type BONIFAY HOLDING COMPANY, INC. CIC FLORIDA SHORES BANCORP, INC. = 4c8 Florida Shores Shamrock, Inc. NAPLES BANCORP, INC. 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. End of Comment Period Newspaper: Not available Federal Register: 01/13/2010 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)(H) of Regulation Y. Newspaper: Not available Federal Register: 01/27/2010 * 3A1 * 3A3 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. Newspaper. Federal Register: Not available 01/29/2010 CIC Prior change in control notice filed by Eugene 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. Newspaper: Federal Register: 01/31/2010 Not available * Subject to the provisions of the Community Reinvestment Act Filing Proposal District: 6 Federal Reserve Bank of Atlanta Availability of CRA P u b l i c E v a l u a t i o n s 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: 0 = 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. RSSD ID CRA Institution / Location 972237 TRANSATLANTIC BK, MIAMI, FLORIDA CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Exam Date Public Date 09/24/2009 12/30/2009 CRA Rating Exam Method S Int Sm Bank District: 7 Federal Reserve Bank of Chicago Filings received during the week ending January 9, 2010 Filer Filing Type BELMONT FINANCIAL GROUP, INC. CIC CLARKSTON FINANCIAL CORPORATION CIC CLARKSTON FINANCIAL CORPORATION CIC FNBH BANCORP, INC. CIC HEDRICK BANCORP, INC. UNITED COMMUNITY BANCORP, INC. CIC 3A3 * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period 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. Newspaper: Not available Federal Register: 01/24/2010 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. Newspaper: 01/12/2010 Federal Register: 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. Newspaper: 01/12/2010 Federal Register: 01/20/2010 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. Newspaper: Not available Federal Register: Not available 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. Newspaper: Not available Federal Register: 01/27/2010 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. Newspaper: 01/02/2010 Federal Register: 01/26/2010 District: 7 Federal Reserve Bank of Chicago Availability of CRA P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD Institution / Location ID 280044 BAYLAKE BK, STURGEON BAY, WISCONSIN CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Exam Date Public Date 08/17/2009 12/31/2009 CRA Rating Exam Method S Large Bank District: 8 Federal Reserve Bank of St. Louis Filings received during the week ending January 9, 2010 Filer BANK OF FAYETTE COUNTY THE Filing Type * Branch * Subject to the provisions of the Community Reinvestment Act Filing Proposal The Bank of Fayette County, Moscow, Tennessee, to establish a branch facility to be located at 200 Chickasaw Ridge Drive, Suite 25, Oakland, Tennessee. End of Comment Period Newspaper: Federal Register: 01/22/2010 Not applicable District: 8 Federal Reserve Bank of St. Louis Availability of C R A P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD Exam Date Institution / Location ID NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 9 Federal Reserve Bank of Minneapolis Filings received during the week ending January 9, 2010 Filer CITIZENS STATE BANK OF CHOTEAU, MONTANA, THE DRAYTON BANCOR, INC. LAKE CENTRAL FINANCIAL, INC. Filing Type * 18C * Branch ' 3A5 * 3A1 * Subject to the provisions of the Community Reinvestment Act Filing Proposal 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. End of Comment Period Newspaper: Not available Federal Register: Not applicable Drayton Bancor, Inc., Drayton, North Dakota, to merge with Walsh County Ban corporation, Inc., Drayton, North Dakota Newspaper: Not available Federal Register: 01/22/2010 Lake Central Financial, Inc., Annandale, Minnesota, to become a bank holding company by acquiring 100 percent of Annandale State Bank, Annandale, Minnesota. Newspaper: Not available Federal Register: Not available District: 9 Federal Reserve Bank of Minneapolis Availability of CRA P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD Exam Date Institution / Location ID NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending January 9, 2010 Filer COLOROW INVESTMENT CORP ELKCORP, INC. Filing Type *3A1 CIC Filing Proposal End of Comment Period 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. Newspaper: Not available Federal Register: 02/03/2010 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. Newspaper: 12/31/2009 Federal Register: 12/30/2009 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. Newspaper: Not available Federal Register: 02/05/2010 FIRST NATIONAL MANAGEMENT GROUP, LLC * 3A1 FIRST STATE BANK OF HOTCHKISS * 18C * Branch First State Bank of Hotchkiss, Hotchkiss, 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. Newspaper: 01/28/2010 Federal Register: Not applicable GFP FINANCIAL SERVICES COMPANY *3A1 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. Newspaper: Not available Federal Register: 01/14/2010 HENDERSON STATE COMPANY CIC Notification by Charles B. Flaming, individually, and Charles B. Flaming and Sadie 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. Newspaper: 01/13/2010 Federal Register: 01/19/2010 * Subject to the provisions of the Community Reinvestment Act District: 10 Federal Reserve Bank of Kansas City Availability of C R A P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD Exam Date Institution / Location ID NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method 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 AMERICAN BANK HOLDING CORPORATION 4c8 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. Newspaper: Federal Register: Not applicable 01/27/2010 ONE WORLD HOLDING, INC. 4c8 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. Newspaper: Not applicable Federal Register: Not available 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. Newspaper: Federal Register 01/18/2010 01/25/2010 TLCM HOLDINGS, LLC * 3A1 * Subject to the provisions of the Community Reinvestment Act District: 11 Federal Reserve Bank of Dallas Availability of C R A P u b l i c E v a l u a t i o n s 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: 0 = 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. CRA RSSD ID Exam Date Institution / Location NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 12 Federal Reserve Bank of San Francisco Filings received during the week ending January 9, 2010 Filer BW ACQUISITION, LLC Filing Type * 3A1 CARPENTER FUND MANAGER GP, LLC * 3A3 GOLDEN PACIFIC BANCORP, INC. * 3A1 LAND BANK OF TAIWAN FBSEA ZIONS BANCORPORATION 4c8 * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period BW Acquisition, LLC, and Teach and Save, LLC Newspaper: 10/16/2009 (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. Federal Register 10/19/2010 Carpenter Fund Manager GP, LLC, Carpenter Fund Management, LLC, Carpenter Community Bancfund, L P., Carpenter Community Bancfund-A, LP, Carpenter Community Bancfimd-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. Newspaper: Not available Federal Register: 01/29/2010 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. Newspaper: Not available Federal Register: 12/07/2009 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. Newspaper: Federal Register: Not available 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. Newspaper: Not applicable Federal Register: 01/26/2010 Not applicable District: 12 Federal Reserve Bank of San Francisco Availability of C R A P u b l i c E v a l u a t i o n s 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: 0 = 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. RSSD ID CRA Institution / Location 3143805 PACIFIC CMRC BK, LOS ANGELES, CALIFORNIA CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Exam Date Public Date 09/08/2009 12/24/2009 CRA Rating Exam Method S Small Bank