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 July 18, 2009

Filer

Filing Type

Filing Proposal

End of Comment Period

CAJA DE AHORROS DEL MEDITERRANEO

FBSEA

Caja de Ahorros del Mediterraneo, Alicante, Spain, to convert its international bank agency into an international bank branch in Miami, Florida.

Newspaper:	Not available
Federal Register:	Not applicable

HERITAGE FIRST BANCSHARES, INC.

CIC

Prior change in control notice filed by Jessie Doyle Buffington, 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; Wayne Elm Vick, Armuchee, Georgia, and Delos Harley Yancey, Jr. Ponte Vedra Beach, Florida; collectively to acquire an additional 18.78 percent of the outstanding shares of Heritage First Bancshares, Inc., Rome, Georgia, and its subsidiaries, Heritage First Bank, Rome, Georgia, and Heritage First Bank, Orange Beach, Alabama. Total pro forma will equal 37.29 percent.

Newspaper:	06/25/2009
Federal Register:	06/23/2009

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
MIDSOUTH BK, MURFREESBORO, TENNESSEE	3208049	03/16/2009	07/05/2009	S	Small Bank

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 July 18, 2009

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta