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 March 21, 2015

Filer

Filing Type

Filing Proposal

End of Comment Period

CF Mutual Holding Company

* MHC Formation
* MHC Mid-Tier Formation

Application to reorganize into a hybrid MHC/Stock SLHC structure through the formation of CF Mutual Holding Company and CF Bancorp, Inc., a mid-tier stock SLHC, both located in Cincinnati, OH, that will control Cincinnati Federal Savings Loan Association which in turn is converting from mutual to stock form

Newspaper:	Not available
Federal Register:	04/13/2015

HFB FINANCIAL CORPORATION

CIC

Interagency Notice of Change in Bank Control by Laura Jenkins Cook to become a member of the previously approved David B. Cook Family Control Group consisting of David B. Cook, Erin E. Cook, Bobbie Cook, and David Alexander Cook, which collectively control ten percent or more of the outstanding voting shares of HFB Financial Corp., Middlesboro, Kentucky, and indirectly control the Home Federal Bank, Middlesboro, Kentucky

Newspaper:	Not available
Federal Register:	Not available

KENTUCKY BANCSHARES, INC.

* 3A5

Kentucky Bancshares, Paris, Ky, to acquire 100% of the common stock of Madison Financial Corp., Richmond, Ky. pursuant to section 3 of the BHC Act and thereby indirectly acquire Madison Bank, Richmond, Ky, pursuant to section 3 of the BHC Act.

Newspaper:	04/15/2015
Federal Register:	04/17/2015

KILLBUCK SAVINGS BANK COMPANY, THE

* Branch

Application by The Killbuck Savings Bank Company, Killbuck, OH to establish a branch at 132 South Mill Street, Fredericksburg, OH.

Newspaper:	Not available
Federal Register:	Not applicable

WINFIRST FINANCIAL CORPORATION

CIC

Interagency Notice(s) of Change in Control filed by Jane Houston McCready, Winchester, KY; Sarah McCready Boston, New York, NY; and Louise French McCready Hart, New York, NY as individuals and in their capacities as co-trustees of Marital Trust B which was created under the Richard F. McCready Revocable Trust Agreement of their intent to acquire 25% or more of WinFirst Financial Corporation, Winchester, KY which controls Winchester Federal Bank, Winchester, KY.

Newspaper:	04/17/2015
Federal Register:	04/06/2015

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: 4 Federal Reserve Bank of: Cleveland

Filings received during the week ending March 21, 2015

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 4
Federal Reserve Bank of: Cleveland