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

District: 6
Federal Reserve Bank of: Atlanta

Filings received during the week ending January 19, 2008

Filer

Filing Type

Filing Proposal

End of Comment Period

CAIXA DE AFORROS DE VIGO, OURENSE E PONTEVEDRA

FBSEA

Caixa de Aforros de Vigo, Ourense e Pontevedra, Vigo, Spain, to establish international bank branches in New York, New York, Chicago, Illinois, Los Angeles, California, and Houston, Texas.

Newspaper:	Not available
Federal Register:	Not applicable

CITIZENS BANCORP, INC.

CIC

Prior change in control notice filed by C. Steven Lewis, New Tazewell, Tennessee, to acquire an additional 13.05 percent of the outstanding shares of Citizens Bancorp, Inc., and its subsidiary, Citizens Bank, both of New Tazewell, Tennessee. Pro forma ownership will equal 28.45 percent.

Newspaper:	01/10/2008
Federal Register:	01/23/2008

Greensburg Bancshares, Inc.

* 3A1

Greensburg Bancshares, Inc., to become a bank holding company by acquiring 100 percent of the outstanding shares of Bank of Greensburg, both of Greensburg, Louisiana.

Newspaper:	Not available
Federal Register:	Not available

STERLING BANK

* Branch

Sterling Bank, Lantana, Florida, to establish a branch located at 2465 Wilton Manors Drive, Wilton Manors, Florida.

Newspaper:	11/02/2007
Federal Register:	Not applicable

SUNTRUST BANKS, INC.

* 3A5

SunTrust Banks, Inc., Atlanta, Georgia, to merge with GB&T Bancshares, Inc., Gainesville, Georgia, and thereby acquire its subsidiaries, Gainesville Bank & Trust, Gainesville, Georgia; Mountain State Bank, Dawsonville, Georgia; First National Bank of Gwinnett, Duluth, Georgia; First National Bank of the South, Milledgeville, Georgia; Home Town Bank of Villa Rica, Villa Rica, Georgia; Community Trust Bank, Hiram, Georgia; and United Bank & Trust Company, Rockmart, Georgia.

Newspaper:	01/13/2008
Federal Register:	01/15/2008

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: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending January 19, 2008

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta