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 May 11, 2013

Filer

Filing Type

Filing Proposal

End of Comment Period

CEDARSTONE FINANCIAL, INC.

* 3A1

CedarStone Financial, Inc., to become a bank holding company by acquiring 100 percent of the outstanding shares of CedarStone Bank, both of Lebanon, Tennessee.

Newspaper:	05/13/2013
Federal Register:	05/17/2013

ENTERPRISE CAPITAL CORPORATION, INC.

CIC

Prior change in control notice filed by William Henry Carr, Enterprise, Alabama, and Jerry Newman Carr, Cornelius, North Carolina, to acquire 31.12 percent of the outstanding shares of Enterprise Capital Corporation, Inc., and its subsidiary bank, The Citizens Bank, both of Enterprise, Alabama.

Newspaper:	04/04/2013
Federal Register:	04/04/2013

HCBF HOLDING COMPANY, INC.

* 4c8

HCBF Holding Company, Inc., Palm City, Florida, to acquire BSA Financial Services, Inc., and its subsidiary, Bank of St. Augustine, both of St. Augustine, Florida, and thereby engage in operating a savings association, pursuant to section 225.28(b)(4)(ii) of Regulation Y and section 4(c)(8) of the Bank Holding Company Act.

Newspaper:	Not available
Federal Register:	Not available

PROGRESS FINANCIAL CORPORATION

* 3A1

Progress Financial Corporation, notice to become a bank holding company by acquiring 100 percent of the outstanding shares of Progress Bank and Trust, both of Huntsville, Alabama.

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
NONE

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending May 11, 2013

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta