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 August 22, 2015

Filer

Filing Type

Filing Proposal

End of Comment Period

BCC BANKSHARES, INC.

CIC

Filing by Gene B. Dixon, Jr., Dillwyn, Virginia, to individually control 16.47%, and as a group acting in concert with Guy B. Dixon Trust of the Separate Grandchild's Trust for the benefit of Guy B. Dixon, Dillwyn, Virginia; Curtis Dixon Colgate, Trustee of the Separate Grandchild's Trust for the benefit of Curtis Dixon Colgate, Virginia Beach, Virginia; Arch Huddle Dixon, Trustee of the Separate Grandchild's Trust for the benefit of Arch Huddle Dixon, Virginia Beach, Virginia; Sharon Newcomb, Merritt Island, Florida; and Erica Vail Dixon, Trustee of the Separate Grandchild's Trust for the benefit of Erica Vail Dixon, Dillwyn, Virginia, to control 61.10% of the voting securities of BCC Bankshares, Inc., Phenix, Virginia.

Newspaper:	Not available
Federal Register:	08/24/2015

CITIZENS BUILDING AND LOAN MHC

* 3A1

Citizens Building and Loan MHC, Greer, South Carolina, to become a mutual holding company through the acquisition of 100% of the voting securities of Citizens Building and Loan, SSB, Greer, South Carolina.

Newspaper:	09/07/2015
Federal Register:	09/08/2015

PALMETTO HERITAGE BANCSHARES, INC.

CIC

Filing by Mr. Robert G. Lowe, Fort Myers, Florida, to control 52% of the voting securities of Palmetto Heritage Bancshares, Inc., Pawleys Island, South Carolina, and thereby indirectly control Palmetto Heritage Bank & Trust, Pawleys Island, South Carolina.

Newspaper:	09/18/2015
Federal Register:	09/02/2015

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
JOHN MARSHALL BK, RESTON, VIRGINIA	3419416	05/11/2015	08/11/2015	S	Int Sm Bank

CRA Examinations scheduled for Forth Quarter of 2015 (October 1, 2015 - December 31, 2015)

Institution	Location
BANK OF CLARKE CTY	BERRYVILLE, VIRGINIA
BENCHMARK CMNTY BK	KENBRIDGE, VIRGINIA
HIGHLANDS CMNTY BK	COVINGTON, VIRGINIA
UNITED BK	FAIRFAX, VIRGINIA
UNITED BK	PARKERSBURG, WEST VIRGINIA

* Subject to the provisions of the Community Reinvestment Act

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending August 22, 2015

Availability of CRA Public Evaluations

CRA Examinations scheduled for Forth Quarter of 2015 (October 1, 2015 - December 31, 2015)

District: 5
Federal Reserve Bank of: Richmond