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 August 31, 2013

Filer

Filing Type

Filing Proposal

End of Comment Period

DELMAR BANCORP

CIC

Mr. Kenneth Ray Lehman of Arlington, Virginia, to acquire 40% of Delmar Bancorp, Salisbury, Maryland.

Newspaper:	09/06/2013
Federal Register:	09/12/2013

NEW PEOPLES BANKSHARES, INC.

CIC

Harold Lynn Keene, H.L. Keene, L.L.C., Arbutus Keene, The Harold Lynn Keene Trust, Charlotte Keene, and Elizabeth Keene, all of Lebanon, Virginia, as group acting in concert, to retain control of New Peoples Bankshares, Inc., Honaker, Virginia.

Newspaper:	Not available
Federal Register:	Not available

WESTERN ACQUISITIONS, L.L.C.

* 4c8

Western Acquisition Partners LLC, Washington, D.C. (to be relocated and renamed H Bancorp, Columbia, Maryland) proposes to: 1) acquire 22.83% of the voting securities of Carrollton Bancorp, Lutherville, Maryland, and thereby indirectly acquire a controlling interest in Bay Bank, FSB, Lutherville, Maryland; and 2) acquire 6.84% of FirstAtlantic Financial Holdings, Inc., Jacksonville, Florida, and thereby indirectly acquire a similar interest in FirstAtlantic Bank, Jacksonville, Florida.

Newspaper:	09/24/2013
Federal Register:	09/19/2013

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
FOUR OAKS B&TC, FOUR OAKS, NORTH CAROLINA	292524	05/06/2013	08/14/2013	S	Int Sm Bank
FRONTIER CMNTY BK, WAYNESBORO, VIRGINIA	3627109	05/06/2013	08/08/2013	O	Small Bank
VALLEY BK, ROANOKE, VIRGINIA	2303086	05/13/2013	08/14/2013	S	Int Sm Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending August 31, 2013

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond