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

District: 5
Federal Reserve Bank of: Richmond

Filings received during the week ending May 26, 2007

Filer

Filing Type

Filing Proposal

End of Comment Period

BANK OF AMERICA CORPORATION

Other Foreign

Bank of America Corporation, Charlotte, North Carolina, to acquire U.S. Trust Corporation, New York, New York, and thereby indirectly acquire United States Trust Company International Corporation.

Newspaper:	Not applicable
Federal Register:	Not available

COMMUNITY BANK OF TRI-COUNTY

* Branch

Community Bank of Tri-County, Waldorf, Maryland, proposes to establish a branch at 11745 Rousby Hall Road, Lusby, Maryland.

Newspaper:	06/01/2007
Federal Register:	Not applicable

GATEWAY BANK & TRUST CO.

* Branch

Gateway Bank & Trust Co., Elizabeth City, North Carolina, proposes to establish a branch at 8470 Falls of Neuse Road, Suite 100, Raleigh, North Carolina.

Newspaper:	06/06/2007
Federal Register:	Not applicable

LSB BANCSHARES, INC.

* 3A5

LSB Bancshares, Inc., Lexington, North Carolina, to acquire 100% of the voting securities of FNB Financial Services Corporation, Greensboro, North Carolina, and thereby indirectly acquire FNB Southeast, Reidsville, North Carolina, pursuant to Section 3 of the Bank Holding Company Act.

Newspaper:	06/20/2007
Federal Register:	06/25/2007

RBC CENTURA BANK

* Branch

RBC Centura Bank, Raleigh, North Carolina, to establish a branch at 612 S. McKenzie Street, Foley, Alabama.

Newspaper:	Not available
Federal Register:	Not applicable

UNITED BANKSHARES, INC.

* 3A5
* 18C
* Branch

United Bankshares, Inc., Charleston, West Virginia, and George Mason Bankshares, Inc., Fairfax, Virginia, to acquire 100% of the voting securities of Premier Community Bankshares, Inc., Winchester, Virginia, and thereby indirectly acquire The Marathon Bank, Winchester, Virginia, Rockingham Heritage Bank, Harrisonburg, Virginia, and Premier Bank, Inc., Martinsburg, West Virginia.

Newspaper:	06/21/2007
Federal Register:	06/18/2007

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
NONE

CRA Examinations scheduled for Third Quarter of 2007 (July 1, 2007 - September 30, 2007)

Institution	Location
BANK OF CHARLOTTE CTY	PHENIX, VIRGINIA
BANK OF HAMPTON ROADS	NORFOLK, VIRGINIA
BANK OF LANCASTER	KILMARNOCK, VIRGINIA
BANK OF MCKENNEY	MCKENNEY, VIRGINIA
CLEAR MNT BK	BRUCETON MILLS, WEST VIRGINIA
EAGLEBANK	BETHESDA, MARYLAND
FIRST CAP BK	GLEN ALLEN, VIRGINIA
NEW PEOPLES BK	HONAKER, VIRGINIA

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending May 26, 2007

Availability of CRA Public Evaluations

CRA Examinations scheduled for Third Quarter of 2007 (July 1, 2007 - September 30, 2007)

District: 5
Federal Reserve Bank of: Richmond