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 February 5, 2011

Filer

Filing Type

Filing Proposal

End of Comment Period

BANCA CIVICA, S.A.

FBSEA

Banca Civica, S.A., Madrid, Spain, to establish a representative office in Washington, D.C.

Newspaper:	Not available
Federal Register:	Not applicable

COMMUNITY CAPITAL BANK OF VIRGINIA

* Branch

Community Capital Bank of Virginia, Christiansburg, Virginia, proposes to establish a branch located at 100 West Franklin Street, Richmond, Virginia.

Newspaper:	02/11/2011
Federal Register:	Not applicable

HARVEST BANCORP, INC.

CIC

Notice by Mr. Mehrdad Elie of Redwood City, California, to individually acquire up to 32%, and as a group acting in concert with Mr. Mesfin Ayenew, Potomac, Maryland; Mr. David P. Como, Napa, California; Mr. Charles Turnbaugh, Baltimore, Maryland; Mr. Robert L. Gossard, Burlinggame, California; and Mr. Terrance M. Davis, Dillon Beach, California, to acquire in aggregate up to 41% of the voting securities of HarVest BanCorp, Inc., Gaithersburg, Maryland, and indirectly acquire shares of HarVest Bank of Maryland, Rockville, Maryland.

Newspaper:	Not available
Federal Register:	02/18/2011

PIONEER BANKSHARES, INC.

CIC

Mr. Richard T. Spurzem, Charlottesville, Virginia, to individualy retain 10.02% and together with Sandbox, LLC to retain 10.05% of of the outstanding shares of Pioneer Bankshares, Inc., Stanley, Virginia

Newspaper:	Not available
Federal Register:	Not available

VIRGINIA HERITAGE BANK

* Branch

Virginia Heritage Bank, Fairfax, Virginia, to establish a branch located at 45745 Nokes Boulevard, Dulles, Virginia

Newspaper:	02/14/2011
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
PLEASANTS CTY BK, SAINT MARYS, WEST VIRGINIA	8631	10/04/2010	01/18/2011	S	Small Bank
PUTNAM CTY BK, HURRICANE, WEST VIRGINIA	417626	10/18/2010	01/20/2011	S	Int Sm Bank
UNION FIRST MKT BK, RICHMOND, VIRGINIA	693224	09/13/2010	01/26/2011	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 February 5, 2011

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond