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 25, 2009

Filer

Filing Type

Filing Proposal

End of Comment Period

CUMBERLAND BANCORP, INC.

3A1

Cumberland Bancorp, Inc., notice to become a bank holding company by acquiring 100 percent of the outstanding shares of Cumberland Bank & Trust, both of Clarksville, Tennessee.

Newspaper:	Not applicable
Federal Register:	Not applicable

HERITAGE FIRST BANCSHARES, INC.

CIC

Prior change in control notice filed by Jessie Doyle Buffinton, Helmut Hans Cawthon, Kenneth Franklin Davis, Andrew Charles Heaner, Clinton Gray Hubbard, Stephen Curtis Klasson, Kimberly Gill Mauer, Laura Hallin Mumber, Matthew Peter Mumber, Delos Harley Yancey, III, John Demetrius Xanthos, all of Rome, Georgia, Andrew Charles Heaner, Atlanta, Georgia, and Wayne Elm Vick, Armuchee, Georgia, collectively to acquire an additional 18.78 percent of the outstanding shares of Heritage First Bancshares, Inc., Rome, Georgia. Total pro forma will equal 37.29 percent.

Newspaper:	Not available
Federal Register:	05/12/2009

PIEDMONT BANCORP, INC.

* 3A1

Piedmont Bancorp, Inc., Norcross, Georgia, to become a bank holding company by acquiring 100 percent of the outstanding shares of Republic Bank of Georgia, Lawrenceville, Georgia.

Newspaper:	Not available
Federal Register:	05/22/2009

REGIONS BANK

* Branch

Regions Bank, Birmingham, Alabama, to establish branches in the following locations: 1 Glen Lake Parkway, Atlanta, Georgia, to be known as the Glenlake Private Banking Branch; Suwanee Gateway Shopping Center, Lawrenceville Highway and I-85, Suwanee, Georgia, to be known as the Gateway Suwanee Branch; 3400 Camp Creek Parkway, East Point, Georgia, to be known as the Camp Creek Parkway Branch; 17615 Chenal Parkway, Little Rock, Arkansas, to be known as the Chenal Parkway Branch; corner of Lyons and Coconut Creek Parkway, Pompano Beach, Florida, to be known as the Coconut Creek Parkway Branch; 1020 Highland Colony Parkway,Ridgeland, Mississippi, to be known as the 200 Renaissance at Colony Park Branch; Highway 321 and Town Creek Parkway, Lenoir City, Tennessee, to be known as the Lenoir City Branch Relocation; Kelly Plantation Development near The Home Depot on Commons Drive West, Destin, Florida, to be known as the Kelly Plantation Branch (relocation of Destin Emerald Coast Parkway Branch); and the corner of Route 57 and Meridian, Glen Carbon, Illinois, to be known as the Glen Carbon Branch.

Newspaper:	05/05/2009
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 25, 2009

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta