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 October 11, 2014

Filer

Filing Type

Filing Proposal

End of Comment Period

AMERICAN NATIONAL BANKSHARES INC.

* 3A5

American National Bankshares Inc., Danville, Virginia, has submitted an application to acquire MainStreet Bankshares Inc., Martinsville, Virginia, and thereby indirectly acquire Franklin Community Bank, National Association, Rocky Mount, Virginia.

Newspaper:	Not available
Federal Register:	Not available

BB&T CORPORATION

* 3A5

BB&T Corporation, Winston-Salem, North Carolina, to acquire 100% of the voting securities of The Bank of Kentucky Financial Corporation, Crestview Hills, Kentucky, and thereby indirectly acquire The Bank of Kentucky, Incorporated, Crestview Hills, Kentucky.

Newspaper:	Not available
Federal Register:	11/10/2014

ESSEX BANK

* Branch

Essex Bank, Richmond, Virginia, intends to establish a branch at 6143 High Bridge Road, Bowie, Maryland.

Newspaper:	10/17/2014
Federal Register:	Not applicable

SANDY SPRING BANK

* Branch

Sandy Spring Bank has submitted an application to open a branch at 7550 Wisconsin Avenue, Bethesda, Maryland.

Newspaper:	Not available
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
NONE

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 October 11, 2014

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond