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 December 15, 2007

Filer

Filing Type

Filing Proposal

End of Comment Period

BANK OF MARION, THE

Premises

The Bank of Marion, Marion, Virginia, to increase its investment in bank premises.

Newspaper:	Not applicable
Federal Register:	Not applicable

FIRST CAPITAL BANK

* Branch

First Capital Bank, Glen Allen, Virginia, proposes to establish a branch at 2810 Buford Road, Richmond, Virginia.

Newspaper:	12/28/2007
Federal Register:	Not applicable

FOUR OAKS BANK & TRUST COMPANY

* Branch

Four Oaks Bank & Trust Company, Four Oaks, North Carolina, proposes to establish a branch at 604A Erwin Road, Dunn, North Carolina.

Newspaper:	12/23/2007
Federal Register:	Not applicable

RBC CENTURA BANKS, INC.

* 3A3

RBC Centura Banks, Inc., Raleigh, North Carolina, and its parent companies, Royal Bank of Canada, Montreal, Canada; Royal Bank Holding Inc., Toronto, Canada; RBC Holding (USA) Inc., New York, New York; RBC USA Holdco Corporation, New York, New York; Prism Financial Corporation, Wilmington, Delaware, to acquire 100% of the voting shares of Alabama National BanCorporation, Birmingham, Alabama, and thereby indirectly acquire Alabama Exchange Bank, Tuskegee, Alabama; Community Bank of Naples, National Association, Naples, Florida; Cypress Conquina Bank, Ormond Beach, Florida; First American Bank, Birmingham, Alabama; First Gulf Bank, National Association, Pensacola, Florida; Florida Choice Bank, Mount Dora, Florida; Georgia State Bank, Mableton, Georgia; Indian River National Bank, Vero Beach, Florida; Millennium Bank, Gainsville, Florida; and The Peachtree Bank, Duluth, Georgia.

Newspaper:	12/28/2007
Federal Register:	12/28/2007

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 Quarter of

Institution	Location
NONE

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending December 15, 2007

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond