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 May 3, 2014

Filer

Filing Type

Filing Proposal

End of Comment Period

BANK OF LANCASTER

* Branch

Bank of Lancaster intends to open a branch, currently a loan production office, at 6800 Paragon Place, Suite 650, Richmond, Virginia 23250.

Newspaper:	05/12/2014
Federal Register:	Not applicable

Entegra Financial Corp.

* 3A1

Entegra Financial Corp., Franklin, North Carolina, to become a bank holding company through the acquisition of 100% of the voting securities of Macon Bancorp, Franklin, North Carolina, and thereby indirectly control Macon Bank, Franklin, North Carolina.

Newspaper:	Not available
Federal Register:	Not available

FARMERS AND MINERS BANK

CIC

H. Ronnie Montgomery, Jonesville, Virginia, Sandra W. Montgomery, Jonesville, Virginia, Julie Anne Montgomery, Abingdon, Virginia, Lee Memorial Gardens Inc., Pennington Gap, Virginia, and Terry Estep, Ewing, Virginia, as group acting in concert to control up to 30.93% of Farmers and Miners Bank, Pennington Gap, Virginia.

Newspaper:	Not available
Federal Register:	Not available

NATIONAL CONSUMER COOPERATIVE BANK

4c8
* 3A1

National Consumer Cooperative Bank and NCB Financial Corporation, both of Washington, D.C. to become bank holding companies through the conversion of their wholly-owned subsidiary, NCB, FSB, Hillsboro, Ohio, to a national bank under the title of National Cooperative Bank, N.A.

Newspaper:	Not available
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
FIRST SENTINEL BK, RICHLANDS, VIRGINIA	920975	12/02/2013	04/24/2014	S	Small 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 May 3, 2014

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond