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 3, 2009

Filer

Filing Type

Filing Proposal

End of Comment Period

CAPGEN CAPITAL GROUP LLC

* 3A3

CapGen Capital Group LLC, and CapGen Capital Group LP, both of New York, New York, to increase their investment in The BANKshares, Inc., Winter Park, Florida, and its subsidiary, BankFIRST, Winter Park, Florida, by 14.4% to a total of 36.2%.

Newspaper:	Not available
Federal Register:	10/26/2009

CECIL BANK

* 18C
* Branch

Cecil Bank, Elkton, Maryland, to acquire certain assets and assume certain liabilities of the Bel Air, Maryland, branch of K Bank, Owings Mills, Maryland.

Newspaper:	10/26/2009
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
BANK OF MARION, MARION, VIRGINIA	858528	06/01/2009	09/21/2009	S	Large Bank
BANK OF MONROE, UNION, WEST VIRGINIA	849432	06/22/2009	09/23/2009	O	Small Bank
NORTHERN NECK ST BK, WARSAW, VIRGINIA	550327	06/01/2009	09/03/2009	S	Large Bank

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 3, 2009

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond