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

District: 6
Federal Reserve Bank of: Atlanta

Filings received during the week ending September 13, 2008

Filer

Filing Type

Filing Proposal

End of Comment Period

CLINTON BANCSHARES, INC.

CIC

Prior change in control notice filed by Leslie D. Ligon, Jr., Clinton, Louisiana, to acquire an additional 1.79 percent of the outstanding shares of Clinton Bancshares, Inc., and its subsidiary, Landmark Bank, both of Clinton, Louisiana. Pro forma will equal 13.08 percent.

Newspaper:	Not available
Federal Register:	09/29/2008

COMMERCE BANCSHARES, INC.

4c8

Commerce Bancshares Inc., Franklin, Tennessee, to engage de novo in management consulting activities.

Newspaper:	Not applicable
Federal Register:	10/01/2008

PIEDMONT BANCORP, INC.

* 3A1

Piedmont Bancorp, Inc., Norcross, Georgia, to become a bank holding company by acquiring 100 percent of the outstanding shares of First Choice Community Bank 1874, Newnan, Georgia.

Newspaper:	09/18/2008
Federal Register:	09/18/2008

SUNTRUST BANK

* Branch

SunTrust Bank, Atlanta, Georgia, to establish a branch located at 850 Folly Road, Charleston, South Carolina, to be known as the James Island BI-LO Office.

Newspaper:	09/20/2008
Federal Register:	Not applicable

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

* Subject to the provisions of the Community Reinvestment Act

District: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending September 13, 2008

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta