Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 8
Federal Reserve Bank of: St. Louis

Filings received during the week ending November 8, 2008

Filer

Filing Type

Filing Proposal

End of Comment Period

ARVEST BANK

* Branch

Arvest Bank, Fayetteville, Arkansas, to establish a branch at the corner of 91st Street and Delaware Avenue, Tulsa, Oklahoma.

Newspaper:	11/11/2008
Federal Register:	Not applicable

FIRST BANCORP OF SPARTA, LTD.

CIC

Notice by First National Bank of Sparta Profit Sharing Plan (the "Plan"), David Hauskins, Roger Deterding, and Mary Lou Bauer, each as Trustees of the Plan, together with David Hauskins, Sparta, Illinois, Mary Hauskins, Sparta, Illinois, The Roger L. Deterding Declaration of Trust, Roger L. Deterding as Trustee, Sparta, Illinois, The Nancy K. Deterding Declaration of Trust, Nancy K. Deterding as Trustee, Sparta, Illinois, and Mary Lou Bauer, Red Bud, Illinois, to gain control of First Bancorp of Sparta, Ltd., Sparta, Illinois.

Newspaper:	11/26/2008
Federal Register:	11/24/2008

MOUNT STERLING BANCORP, INC

* 3A3

Mt. Sterling Bancorp, Inc., Mt. Sterling, Illinois, to acquire 100 percent of the outstanding common stock of Timewell State Bank, Timewell, Illinois.

Newspaper:	12/05/2008
Federal Register:	12/05/2008

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
LAWRENCEBURG BK&TC, LAWRENCEBURG, KENTUCKY	638047	07/28/2008	10/23/2008	S	Small Bank
SCOTT COUNTY ST BK, SCOTTSBURG, INDIANA	753548	07/21/2008	10/23/2008	S	Small Bank
SOUTHERN COMMERCIAL BK, SAINT LOUIS, MISSOURI	420457	07/14/2008	10/15/2008	O	Int Sm Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 8 Federal Reserve Bank of: St. Louis

Filings received during the week ending November 8, 2008

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 8
Federal Reserve Bank of: St. Louis