Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 11
Federal Reserve Bank of: Dallas

Filings received during the week ending November 22, 2008

Filer

Filing Type

Filing Proposal

End of Comment Period

BIG COUNTRY BANCHSHARES, INC.

* 3A1

Big Country Bancshares, Inc., Abilene, Texas, to become a bank holding company by acquiring 100 percent of Citizens Bank, N.A., Abilene, Texas.

Newspaper:	12/08/2008
Federal Register:	12/05/2008

FROST NATIONAL BANK, THE

Foreign Branch

The Frost National Bank, San Antonio, Texas, to establish a branch to be located in George Town, Grand Cayman, Cayman Islands.

Newspaper:	Not applicable
Federal Register:	Not applicable

INDEPENDENT BANK GROUP, INC.

* 3A5

Independent Bank Group, Inc., McKinney, Texas, to acquire by merger 100 percent of Independent Bank Group Central Texas, Inc., McKinney, Texas, and indirectly acquire Independent Bank, Waco, Texas.

Newspaper:	Not available
Federal Register:	12/04/2008

MNB VENTURES, INC.

CIC

Notice by David 0. Rogers, Jr. and Dora Rogers of Edinburg, Texas, Saul and Kellye Ortega of Edinburg, Texas, and Arturo and Sonja Ortega of Weslaco, Texas, to acquire shares of, and thereby control, MNB Ventures, Inc., Mercedes, Texas, which controls Texas National Bank, Mercedes, Texas.

Newspaper:	Not available
Federal Register:	11/20/2008

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.

Institution / Location	RSSD ID	Exam Date	CRA Public Date	CRA Rating	Exam Method
INDEPENDENT BK OF TX, IRVING, TEXAS	3129902	08/11/2008	11/07/2008	S	Small Bank

CRA Examinations scheduled for First Quarter of 2009 (January 1, 2009 - March 31, 2009)

Institution	Location
CITIZENS BK	SLATON, TEXAS
FIRST ST BK	ABILENE, TEXAS
TEXAS STAR BK	VAN ALSTYNE, TEXAS

* Subject to the provisions of the Community Reinvestment Act

District: 11 Federal Reserve Bank of: Dallas

Filings received during the week ending November 22, 2008

Availability of CRA Public Evaluations

CRA Examinations scheduled for First Quarter of 2009 (January 1, 2009 - March 31, 2009)

District: 11
Federal Reserve Bank of: Dallas