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 February 2, 2008

Filer

Filing Type

Filing Proposal

End of Comment Period

CAIXA DE AFORROS DE VIGO, OURENSE E PONTEVEDRA

FBSEA

Caixa de Aforros de Vigo, Ourense e Pontevedra, Vigo, Spain, to establish international bank branches in New York, New York, Chicago, Illinois, Los Angeles, California, and Houston, Texas.

Newspaper:	Not available
Federal Register:	Not applicable

COCONUT GROVE BANK

* Branch

Coconut Grove Bank, Miami, Florida, to establish a branch located at 6400 South Dixie Highway, South Miami, Florida.

Newspaper:	02/15/2008
Federal Register:	Not applicable

FRANKLIN BANCSHARES, INC.

* 3A1

Franklin Bancshares, Inc., to become a bank holding company by acquiring 100 percent of the outstanding shares of Bank of Franklin, both of Meadville, Mississippi.

Newspaper:	01/13/2008
Federal Register:	02/19/2008

Palm Beach Community Bank

Member

Palm Beach Community Bank, Boynton Beach, Florida (in organization), to become a member of the Federal Reserve System.

Newspaper:	Not applicable
Federal Register:	Not applicable

UNITED AMERICAS BANKSHARES, INC.

CIC

United Americas Bankshares, Inc., Atlanta, Georgia, prior change in control notice filed by Mr. William Blanton Sr., Alpharetta, Georgia, to acquire an additional .04 percent of the outstanding shares of United Americas Bankshares, Inc., and its subsidiary, United Americas Bank, N.A., both of Atlanta, Georgia. Total pro forma ownership will equal 17.09 percent.

Newspaper:	02/15/2008
Federal Register:	02/21/2008

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 February 2, 2008

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta