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 19, 2015

Filer

Filing Type

Filing Proposal

End of Comment Period

EASTERN SAVINGS BANK

* Branch

Application by Eastern Savings Bank, Norwich, Connecticut, to establish a new full service branch at 220 W. Town Street, Norwich, Connecticut pursuant to Section 208.6 of Regulation H.

Newspaper:	12/31/2015
Federal Register:	Not applicable

ESB BANCORP MHC

* 3A5
* 3A3

Applications by: i) ESB Bancorp MHC, Easthampton, Massachusetts ("ESB MHC") to merge with Hometown Community Bancorp MHC, Oxford, Massachusetts ("Hometown MHC"), with ESB MHC as the surviving entity to be known as "Hometown Financial Group, MHC"; and ii) ESB Bancorp, Inc., Easthampton, Massachusetts ("ESB Bancorp"), to merge with Hometown Community Bancorp, Inc., Oxford, Massachusetts ("Hometown Bancorp"), with ESB Bancorp as the surviving entity to be known as "Hometown Financial Group, Inc." pursuant to sections 3(a)(3) and 3(a)(5) of the Bank Holding Company Act of 1956, as amended. Upon consummation of the merger, Easthampton Savings Bank and Hometown Bank will remain separate wholly-owned subsidiaries of Hometown Financial Group, Inc.

Newspaper:	01/09/2016
Federal Register:	11/27/2015

PENTUCKET BANK HOLDINGS, MHC

* 3A1
* 3A3

Pentucket Bank Holdings, MHC and Pentucket Bancorp, Inc., both of Haverhill, Massachusetts, to become a mutual holding company and a stock bank holding company, respectively, by acquiring 100 percent of Pentucket Bank, Haverhill, Massachusetts, pursuant to sections 3(a)(1) and 3(a)(3) of the Bank Holding Company Act of 1956, as amended.

Newspaper:	12/31/2015
Federal Register:	01/14/2016

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: 1 Federal Reserve Bank of: Boston

Filings received during the week ending December 19, 2015

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 1
Federal Reserve Bank of: Boston