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 August 16, 2008

Filer

Filing Type

Filing Proposal

End of Comment Period

BANCO DE SABADELL, S.A.

4c8

Banco de Sabadell, S.A., Sabadell, Spain, and its subsidiary, TransAtlantic Holding Corp., Miami, Florida, to engage de novo in making, acquiring, brokering or servicing loans or other extensions of credit, through a newly-formed subsidiary, Interstate Property Holdings, LLC, Miami, Florida.

Newspaper:	Not applicable
Federal Register:	Not available

BANK INDEPENDENT

* 18C
* Branch

Bank Independent, Sheffield, Alabama, to merge with The Citizens Bank, Moulton, Alabama.

Newspaper:	09/10/2008
Federal Register:	Not applicable

EARLY BANCSHARES, INC.

* 4c8

Early Bancshares, Inc., Blakely, Georgia, to acquire 100 percent of the outstanding shares of One South Bank, Chipley, Florida (in organization), and thereby engage in operating a savings association.

Newspaper:	08/29/2008
Federal Register:	08/28/2008

FIRST GEORGIA COMMUNITY CORP.

CIC

Prior change in control notice filed by Charles R. Carter, Sr., Mary Ann Carter, Charles W. Carter, Jr., Laurie C. Wilder, and related interests, all of Jackson, Georgia (collectively, the Carter Family), to acquire voting shares of First Georgia Community Corp., and its subsidiary, First Georgia Community Bank, both of Jackson, Georgia.

Newspaper:	08/26/2008
Federal Register:	08/21/2008

FRANKLIN SYNERGY BANK

* Branch

Franklin Synergy Bank, Franklin, Tennessee, to establish a branch located at 134 4th Avenue North, Franklin, Tennessee to be known as Franklin Synergy Bank Downtown Franklin Office.

Newspaper:	08/23/2008
Federal Register:	Not applicable

Piedmont Bancorp, Inc.

* 3A1

Piedmont Bancorp, Inc., Norcross, Georgia, to become a bank holding company by acquiring 100 percent of the outstanding shares of First Choice Community Bank 1874, Newnan, Georgia.

Newspaper:	Not available
Federal Register:	Not available

SUNTRUST BANK

* 18C
* Branch

SunTrust Bank, Atlanta, Georgia, to purchase certain assets and assume certain deposits and other liabilities of six branches of First Priority Bank, Bradenton, Florida.

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: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending August 16, 2008

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta