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 25, 2018

Filer

Filing Type

Filing Proposal

End of Comment Period

BENCHMARK COMMUNITY BANK

* Branch

Benchmark Community Bank, Kenbridge, Virginia, to establish a branch at 110 South College Street, Youngsville, North Carolina.

Newspaper:	09/10/2018
Federal Register:	Not applicable

COASTAL BANK & TRUST

* Branch

Coastal Bank & Trust, Jacksonville, North Carolina, to establish a branch at 8800 Richlands Highway, Richlands, North Carolina.

Newspaper:	Not available
Federal Register:	Not applicable

Community Heritage Financial, Inc.

3A1

Community Heritage Financial, Inc., Middletown, Maryland, to become a bank holding company through the acquisition of 100% of the voting securities of Middletown Valley Bank, Middletown, Maryland.

Newspaper:	Not applicable
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
NONE

CRA Examinations scheduled for Fourth Quarter of 2018 (October 1, 2018 - December 31, 2018) and First Quarter of 2019 (January 1, 2019 - March 31, 2019)

Institution	Location	Quarter
BANK OF MONROE	UNION, WEST VIRGINIA	Fourth Quarter of 2018
FARMERS & MERCHANTS BK	TIMBERVILLE, VIRGINIA	Fourth Quarter of 2018
FARMERS BK OF APPOMATTOX	APPOMATTOX, VIRGINIA	Fourth Quarter of 2018
PUTNAM CTY BK	HURRICANE, WEST VIRGINIA	Fourth Quarter of 2018
TRUPOINT BK	GRUNDY, VIRGINIA	Fourth Quarter of 2018
BANK OF CLARKE CTY	BERRYVILLE, VIRGINIA	First Quarter of 2019
CECIL BK	ELKTON, MARYLAND	First Quarter of 2019
FIRST BK	SOUTHERN PINES, NORTH CAROLINA	First Quarter of 2019

* Subject to the provisions of the Community Reinvestment Act

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending August 25, 2018

Availability of CRA Public Evaluations

CRA Examinations scheduled for Fourth Quarter of 2018 (October 1, 2018 - December 31, 2018) and First Quarter of 2019 (January 1, 2019 - March 31, 2019)

District: 5
Federal Reserve Bank of: Richmond