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

District: 4
Federal Reserve Bank of: Cleveland

Filings received during the week ending June 23, 2012

Filer

Filing Type

Filing Proposal

End of Comment Period

CENTERGROUP FINANCIAL, INC.

* 3A1

CenterGroup Financial, Inc., Milford, OH to become a bank holding company by acquiring 100% of the voting shares of the CenterBank, Milford, OH, pursuant to section 3(a)(1)of the Bank Holding Company Act

Newspaper:	07/15/2012
Federal Register:	07/16/2012

KENTUCKY FIRST FEDERAL BANCORP

MHC Minority Stock Issuance
* SLHC Acquisition

Application by First Federal MHC, Hazard, KY; Kentucky First Federal Bancorp, Hazard, KY; and Frankfort First Bancorp, Inc., Frankfort, KY to acquire CKF Bancorp, Inc., Danville, KY and its wholly-owned subsidiary, Central Kentucky Federal Savings Bank, Danville, KY and Application by Kentucky First Federal Bancorp, Hazard, KY for approval of a minority stock issuance by a savings association subsidiary of a mutual holding company.

Newspaper:	Not available
Federal Register:	07/16/2012

S & T BANCORP, INC.

* 3A3

Application by S&T Bancorp, Inc., Indiana, PA to acquire Gateway Bank of Pennsylvania, McMurray, PA pursuant to Section 3 of the Bank Holding Company Act

Newspaper:	06/30/2012
Federal Register:	07/05/2012

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
APOLLO TC, APOLLO, PENNSYLVANIA	368522	02/21/2012	05/31/2012	S	Small Bank
WESTERN RESERVE BK, MEDINA, OHIO	2730477	03/19/2012	06/08/2012	S	Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 4 Federal Reserve Bank of: Cleveland

Filings received during the week ending June 23, 2012

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 4
Federal Reserve Bank of: Cleveland