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

District: 5
Federal Reserve Bank of: Richmond

Filings received during the week ending February 19, 2011

Filer

Filing Type

Filing Proposal

End of Comment Period

AMERICAN NATIONAL BANKSHARES INC.

* 3A5

American National Bankshares Inc., Danville, Virginia, to acquire 100% of the voting securities of MidCarolina Financial Corporation, Burlington, North Carolina, and thereby indirectly acquire MidCarolina Bank, Burlington, North Carolina.

Newspaper:	02/11/2011
Federal Register:	03/14/2011

HARVEST BANCORP, INC.

CIC

Notice by Mr. Mehrdad Elie of Redwood City, California, to individually acquire up to 32%, and as a group acting in concert with Mr. Mesfin Ayenew, Potomac, Maryland; Mr. David P. Como, Napa, California; Mr. Charles Turnbaugh, Baltimore, Maryland; Mr. Robert L. Gossard, Burlinggame, California; and Mr. Terrance M. Davis, Dillon Beach, California, to acquire in aggregate up to 41% of the voting securities of HarVest BanCorp, Inc., Gaithersburg, Maryland, and indirectly acquire shares of HarVest Bank of Maryland, Rockville, Maryland.

Newspaper:	Not available
Federal Register:	02/18/2011

UNION FIRST MARKET BANK

* Branch

Union First Market Bank, Richmond, Virginia, to establish a branch at 437 Tiffany Drive, Waynesboro, Virginia.

Newspaper:	02/25/2011
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
CITIZENS B&TC, BLACKSTONE, VIRGINIA	991621	10/18/2010	02/01/2011	S	Large Bank
SONABANK, MCLEAN, VIRGINIA	3325759	08/02/2010	01/27/2011	S	Int Sm Bank
TRUPOINT BK, GRUNDY, VIRGINIA	274829	10/04/2010	02/07/2011	S	Int Sm Bank

CRA Examinations scheduled for Second Quarter of 2011 (April 1, 2011 - June 30, 2011)

Institution	Location
ANSON B&TC	WADESBORO, NORTH CAROLINA
BANK OF STANLY	ALBEMARLE, NORTH CAROLINA
CFG CMNTY BK	TOWSON, MARYLAND
CHESAPEAKE BK	KILMARNOCK, VIRGINIA
FARMERS BK WINDSOR VA	WINDSOR, VIRGINIA
FOUR OAKS B&TC	FOUR OAKS, NORTH CAROLINA
JOHN MARSHALL BK	FALLS CHURCH, VIRGINIA
OLD LINE BK	BOWIE, MARYLAND
VALLEY BK	ROANOKE, VIRGINIA
VIRGINIA BUS BK	RICHMOND, VIRGINIA
VIRGINIA CMNTY BK	LOUISA, VIRGINIA

* Subject to the provisions of the Community Reinvestment Act

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending February 19, 2011

Availability of CRA Public Evaluations

CRA Examinations scheduled for Second Quarter of 2011 (April 1, 2011 - June 30, 2011)

District: 5
Federal Reserve Bank of: Richmond