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 April 11, 2009

Filer

Filing Type

Filing Proposal

End of Comment Period

FOUR COUNTY BANCSHARES, INC.

4c8

Four County Bancshares, Inc., Allentown, Georgia, to acquire 16.66 percent of the voting shares of Ingleside Financial Group, LLC, Macon, Georgia, and thereby engage in financial and investment advisory activities.

Newspaper:	Not applicable
Federal Register:	Not applicable

NASHVILLE BANK AND TRUST COMPANY

Member

Nashville Bank & Trust Company, Nashville, Tennessee, to become a member of the Federal Reserve System.

Newspaper:	Not applicable
Federal Register:	Not applicable

NBT Holdings Inc.

3A1

NBT Holdings Inc., notice to become a bank holding company by acquiring 100 percent of the outstanding shares of Nashville Bank and Trust Company, both of Nashville, Tennessee.

Newspaper:	Not applicable
Federal Register:	Not applicable

SMARTBANK

* Branch

SmartBank, Pigeon Forge, Tennessee, to establish a branch located at 7827 Montvue Center Way, Knoxville, Tennessee.

Newspaper:	04/17/2009
Federal Register:	Not applicable

SUNTRUST BANK

* Branch

SunTrust Bank, Atlanta, Georgia, to establish a branch located at 3126 Fincher Farm Road, Matthews, North Carolina, to be known as the McKee Farms Office.

Newspaper:	04/23/2009
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 April 11, 2009

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta