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

District: 8
Federal Reserve Bank of: St. Louis

Filings received during the week ending August 22, 2009

Filer

Filing Type

Filing Proposal

End of Comment Period

ARVEST BANK

* 18C
* Branch

Arvest Bank, Fayetteville, Arkansas, to purchase certain assets and assume certain deposits and liabilities of the Johnson County, Kansas branch offices of Los Padres Bank, Solvang, California, and to retain the acquired facilities as branch offices.

Newspaper:	09/17/2009
Federal Register:	Not applicable

CITIZENS STATE BANKSHARES OF BALD KNOB, INC.

CIC

Notice by Larry E. Kircher, Trustee of the Larry E. Kircher Revocable Trust, 4/12/07, and Molly H. Kircher, Trustee of the Molly H. Kircher Revocable Trust, 4/12/07, all of Bald Knob, Arkansas, acting in concert to retain control of Citizens State Bankshares of Bald Knob, Inc., Bald Knob, Arkansas.

Newspaper:	09/09/2009
Federal Register:	Not available

FARMERS & MERCHANTS BANCORP, INC.

* 3A1

Farmers and Merchants Bancorp, Inc., Hannibal, Missouri, to become a bank holding company through the conversion of its thrift subsidiary, F&M Bank and Trust Company, Hannibal, Missouri, into a state nonmember bank.

Newspaper:	09/12/2009
Federal Register:	09/14/2009

PETIT JEAN BANCSHARES, INC.

CIC

Notice by Charles S. Penick, and Mary M. Penick, and the Charles S. Penick Mary M. Penick Revocable Trust, with Charles and Mary Penick as Trustees, both of Morrilton, Arkansas, acting in concert to retain control of Petit Jean Bancshares, Inc., Morrilton, Arkansas.

Newspaper:	09/01/2009
Federal Register:	09/04/2009

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
BAY HERMANN BERGER BK, HERMANN, MISSOURI	1007145	04/13/2009	07/23/2009	S	Small Bank
COMMUNITY FIRST BK, CORYDON, INDIANA	77347	05/11/2009	08/10/2009	S	Small Bank
SOUTHERN BC BK, RULEVILLE, MISSISSIPPI	973140	04/20/2009	08/07/2009	O	Small Bank

CRA Examinations scheduled for Forth Quarter of 2009 (October 1, 2009 - December 31, 2009)

Institution	Location
CITIZENS B&TC	VAN BUREN, ARKANSAS
CITIZENS BK	BATESVILLE, ARKANSAS
FARMERS B&TC	MAGNOLIA, ARKANSAS
FIRST FINANCIAL BK	EL DORADO, ARKANSAS
HEBER SPRINGS ST BK	HEBER SPRINGS, ARKANSAS
LIBERTY BANK OF ARKANSAS	JONESBORO, ARKANSAS
MIDWEST BANKCENTRE	LEMAY, MISSOURI
OLD MISSOURI BK	SPRINGFIELD, MISSOURI
PEOPLES B&TC	TROY, MISSOURI
SECURITY BK	NEWBERN, TENNESSEE
SIMMONS FIRST BK OF SEARCY	SEARCY, ARKANSAS

* Subject to the provisions of the Community Reinvestment Act

District: 8 Federal Reserve Bank of: St. Louis

Filings received during the week ending August 22, 2009

Availability of CRA Public Evaluations

CRA Examinations scheduled for Forth Quarter of 2009 (October 1, 2009 - December 31, 2009)

District: 8
Federal Reserve Bank of: St. Louis