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

District: 3
Federal Reserve Bank of: Philadelphia

Filings received during the week ending March 12, 2016

Filer

Filing Type

Filing Proposal

End of Comment Period

FIRST CITIZENS COMMUNITY BANK

* Branch

First Citizens Community Bank, Mansfield, PA to establish and maintain a branch office located at Winfield Business Center, 1157 West Branch Parkway, 1st Floor, Winfield, PA.

Newspaper:	03/22/2016
Federal Register:	Not applicable

FSB COMMUNITY BANKSHARES, MHC

* MHC Conversion

FSB Community Bancshares, MHC, Fairport, New York, and FSB Community Bancshares, Fairport, New York, proposes to convert to stock form and form a bank holding company, FSB Bancorp, Inc., Fairport, NY, in connection with acquiring 100 percent of Fairport Savings Bank, Fairport, New York.

Newspaper:	Not available
Federal Register:	Not available

ORRSTOWN BANK

* Branch

Orrstown Bank, Shippensburg, PA, to establish a branch office located at 4750 Lindle Road, Harrisburg, PA.

Newspaper:	Not available
Federal Register:	Not applicable

UNIVEST BANK AND TRUST CO.

* Branch

Univest Bank and Trust Co., Souderton, PA, to establish a branch office located at 5089 Hamilton Boulevard, Allentown, PA.

Newspaper:	03/22/2016
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: 3 Federal Reserve Bank of: Philadelphia

Filings received during the week ending March 12, 2016

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 3
Federal Reserve Bank of: Philadelphia