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

District: 7
Federal Reserve Bank of: Chicago

Filings received during the week ending October 16, 2010

Filer

Filing Type

Filing Proposal

End of Comment Period

CLARKSTON FINANCIAL CORPORATION

CIC

Notice by the OJT Irrevocable Trust, dated 9/20/10, and Robert A. Clemente, Bloomfield, Michigan, as trustee of the trust, to acquire more than 25 percent of the voting shares of Clarkston Financial Corporation, Waterford, Michigan, and thereby indirectly acquire control of Clarkston State Bank, Clarkston, Michigan.

Newspaper:	11/02/2010
Federal Register:	10/26/2010

FIRST COMMUNITY BANCSHARES CORP.

CIC

Notice by Betty J. Bradshaw 2000 Irrevocable Trust dated 10/30/00-Charles M. Shea, Trustee, to acquire shares of First Community Bancshares Corp., Anamosa, Iowa, and thereby indirectly acquire shares of First Community Bank, Milton, Wisconsin.

Newspaper:	Not available
Federal Register:	08/23/2010

FIRST STATE ASSOCIATES, INC.

* 3A3

First State Associates, Inc., Hawarden, Iowa, to acquire 100 percent of Farmers State Holding Company, Marion, South Dakota, and thereby indirectly acquire Farmers State Bank, Marion, South Dakota.

Newspaper:	Not available
Federal Register:	11/12/2010

FORT MADISON BANK & TRUST CO.

* 18C
* Branch

Fort Madison Bank & Trust Co., Fort Madison, Iowa, to purchase certain assets and assume certain liabilities of the Burlington, Iowa branch of Valley Bank, Moline, Illinois; and to establish a branch at 3140 Agency Street, Suite 100, Burlington, Iowa.

Newspaper:	Not available
Federal Register:	Not applicable

HOMETOWN COMMUNITY BANCORP, INC.

* 3A5
* 18C
* Branch

Hometown Community Bancorp, Inc., and Hometown Community Bancorp, Inc. Employee Stock Ownership Plan and Trust, both located in Morton, Illinois, to merge with CSBC Financial Corporation, Cropsey, Illinois, and thereby indirectly acquire Citizens State Bank of Cropsey, Cropsey, Illinois, and by Morton Community Bank, Morton, Illinois, to merge with Citizens State Bank of Cropsey, Cropsey, Illinois, and thereby to establish two branches.

Newspaper:	10/14/2010
Federal Register:	10/04/2010

INDEPENDENT BANK

* Branch

Independent Bank, Ionia, Michigan, to establish a branch facility to be located at the following locations: 800 Washington Avenue, Bay City, Michigan, 12 Washington Street, Suite 250, Grand Haven, Michigan, and 6 East Main Street, Freemont, Michigan.

Newspaper:	10/15/2010
Federal Register:	Not applicable

RIGLER INVESTMENT CO.

* 3A3

Rigler Investment Co., New Hampton, Iowa, to acquire 100 percent of State Bank & Trust Company, Waverly, Iowa.

Newspaper:	Not available
Federal Register:	10/28/2010

ZARING GROUP HOLDINGS LLC

* 3A1

Zaring Group Holdings LLC., Riverwoods, Illinois, to become a bank holding company by acquiring 75.1 percent of the voting shares of First Suburban Bancorp Corporation, Maywood, Illinois, and thereby indirectly acquire First Suburban National Bank, Maywood, Illinois.

Newspaper:	Not available
Federal Register:	10/04/2010

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
FRONTIER SVG BK, COUNCIL BLUFFS, IOWA	2856939	06/28/2010	10/12/2010	S	Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 7 Federal Reserve Bank of: Chicago

Filings received during the week ending October 16, 2010

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 7
Federal Reserve Bank of: Chicago