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 February 20, 2010

Filer

Filing Type

Filing Proposal

End of Comment Period

GULFSHORE BANCSHARES, INC.

* 3A1

Gulfshore Bancshares, to become a bank holding company by acquiring 100 percent of the outstanding shares of Gulfshore Bank, both of Tampa, Florida.

Newspaper:	Not available
Federal Register:	03/22/2010

PALM BANCORP, INC.

CIC

Prior change in control notice filed by Marty E. Adams, Salineville, Ohio; Kevin T. Thompson, Saint Augustine, Florida; and John S. Loeber, Travelers Rest, South Carolina; to acquire control of Palm Bancorp, Inc., and its subsidiary bank, Palm Bank, both of Tampa, Florida.

Newspaper:	Not available
Federal Register:	02/09/2010

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 Second Quarter of 2010 (April 1, 2010 - June 30, 2010)

Institution	Location
1ST UNITED BK	BOCA RATON, FLORIDA
BRAND BKG CO	LAWRENCEVILLE, GEORGIA
COCONUT GROVE BK	MIAMI, FLORIDA
COMMERCIAL BK	HARROGATE, TENNESSEE
PALM BEACH CMNTY BK	BOYNTON BEACH, FLORIDA
SUN AMER BK	BOCA RATON, FLORIDA

* Subject to the provisions of the Community Reinvestment Act

District: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending February 20, 2010

Availability of CRA Public Evaluations

CRA Examinations scheduled for Second Quarter of 2010 (April 1, 2010 - June 30, 2010)

District: 6
Federal Reserve Bank of: Atlanta