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

District: 10
Federal Reserve Bank of: Kansas City

Filings received during the week ending December 11, 2010

Filer

Filing Type

Filing Proposal

End of Comment Period

CITIZENS NATIONAL CORPORATION

* 3A3

Citizens National Corporation, Wisner, Nebraska to acquire up to an additional 2 percent for a total of 34.33 percent of the voting shares of Republic Corporation, parent of United Republic Bank, both in Omaha, Nebraska.

Newspaper:	Not available
Federal Register:	01/12/2011

FIRST STATE BANK OF COLORADO

* Branch

First State Bank of Colorado, Hotchkiss, Colorado, to establish a branch at 564 Main Street, Delta, Colorado.

Newspaper:	12/09/2010
Federal Register:	Not applicable

FRONTIER HOLDINGS, LLC

* 3A3

Frontier Holdings, LLC, Omaha, Nebraska, to acquire 100 percent of the voting shares of ARSEBECO, Inc., parent of Richardson County Bank & Trust Company, both in Falls City, Nebraska. Frontier Management, LLC, Omaha, Nebraska, to acquire indirect control of 100 percent of the voting shares of ARSEBECO, Inc., parent of Richardson County Bank & Trust Company, both in Falls City, Nebraska, by virtue of its control of the affairs of Frontier Holdings, LLC, Omaha, Nebraska.

Newspaper:	12/25/2010
Federal Register:	01/07/2011

NORCON FINANCIAL CORP.

CIC

Notice submitted by Jeffrey J. Heiman and Jerod J. Heiman, both of Wichita, Kansas, to retain control of Norcon Financial Corp., parent of Conway Bank, National Association, both in Conway Springs, Kansas.

Newspaper:	Not available
Federal Register:	Not available

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
AMERICAN HERITAGE BK, SAPULPA, OKLAHOMA	311050	08/16/2010	11/22/2010	S	Int Sm Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 10 Federal Reserve Bank of: Kansas City

Filings received during the week ending December 11, 2010

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 10
Federal Reserve Bank of: Kansas City