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 November 12, 2011

Filer

Filing Type

Filing Proposal

End of Comment Period

FRANKLIN SYNERGY BANK

* Branch

Franklin Synergy Bank, Franklin, Tennessee, to establish a branch located at 4930 Thoroughbred Lane, Brentwood, Tennessee.

Newspaper:	11/19/2011
Federal Register:	Not applicable

INDEPENDENT BANCSHARES, INC. EMPLOYEE STOCK OWNERSHIP PLAN

* 3A3

Independent Bancshares, Inc. Employee Stock Ownership Plan, Red Bay, Alabama, to acquire an additional 19.30 percent of the outstanding shares of Independent Bancshares, Inc., and its subsidiary, Community Spirit Bank, both of Red Bay, Alabama, along with Spirit Bancshares, Inc., and its subsidiary, Spirit Bank, both of Belmont, Mississippi. The acquisition will increase Independent Bancshares, Inc. Employee Stock Ownership Plan's ownership in Independent Bancshares, Inc., to 46.47 Percent.

Newspaper:	12/02/2011
Federal Register:	12/05/2011

MERCHANTS & FARMERS BANCSHARES, INC.

CIC

After-the-fact change in control notice filed by Richard D. Ross, Leesville, Louisiana, to retain control of 25.41 percent of the outstanding shares of Merchants & Farmers Bancshares, Inc., and its subsidiary, Merchants & Farmers Bank & Trust Company, both of Leesville, Louisiana.

Newspaper:	11/29/2011
Federal Register:	12/02/2011

RAYMOND JAMES BANK, FSB

Other Foreign

Raymond James Bank, FSB, St. Petersburg, Florida (upon its conversion to a national bank), to invest in Raymond James Finance Company of Canada, Ltd., Toronto, Ontario, Canada.

Newspaper:	Not applicable
Federal Register:	Not available

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 November 12, 2011

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta