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

District: 1
Federal Reserve Bank of: Boston

Filings received during the week ending December 29, 2012

Filer

Filing Type

Filing Proposal

End of Comment Period

1854 BANCORP

* 3A1

1854 Bancorp, Cambridge, Massachusetts to become a mutual holding company through the acquisition of East Cambridge Savings Bank, Cambridge, Massachusetts, pursuant to section 3(a)(1) of the BHC Act.

Newspaper:	Not available
Federal Register:	Not available

FRANKLIN BANCORP MHC

* 3A1

Application by Franklin Bancorp MHC, Franklin, New Hampshire to establish a mutual bank holding company through the acquisition of Franklin Savings Bank, Franklin, New Hampshire. The filing was submitted pursuant to section 3(a)(1) of the Bank Holding Company Act of 1956, as amended.

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
NORTHAMPTON CO-OP BK, NORTHAMPTON, MASSACHUSETTS	149271	08/13/2012	12/23/2012	S	Small Bank
START CMNTY BK, NEW HAVEN, CONNECTICUT	3843392	07/23/2012	11/10/2012	S	Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 1 Federal Reserve Bank of: Boston

Filings received during the week ending December 29, 2012

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 1
Federal Reserve Bank of: Boston