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 August 1, 2009

Filer

Filing Type

Filing Proposal

End of Comment Period

BUSINESS BANCSHARES, INC.

4c8

Business Bancshares, Inc., Clayton, Missouri, to engage in lending activities through its subsidiary, Meramec Assets, LLC, Clayton, Missouri.

Newspaper:	Not applicable
Federal Register:	Not applicable

CENTENNIAL BANK

* Branch

Centennial Bank, Conway, Arkansas, to establish a mobile branch in Saline County, Arkansas.

Newspaper:	08/05/2009
Federal Register:	Not applicable

SOUTHERN BANCORP, INC

* 3A5

Southern Bancorp, Inc., Arkadelphia, Arkansas, to acquire through merger, First Delta Bankshares, Inc., Blytheville, Arkansas, and thereby indirectly acquire Bank of Trumann, Trumann, Arkansas, and First National Bank in Blytheville, Blytheville, Arkansas.

Newspaper:	08/28/2009
Federal Register:	08/28/2009

ST. JACOB BANCSHARES, INC.

* 3A1

St. Jacob Bancshares, Inc., St. Jacob, Illinois, to become a bank holding company by acquiring 100 percent of State Bank of St. Jacob, St. Jacob, Illinois.

Newspaper:	08/31/2009
Federal Register:	08/27/2009

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
ARVEST BK, FAYETTEVILLE, ARKANSAS	311845	11/03/2008	07/10/2009	S	Large Bank
CAPITAL BK, LITTLE ROCK, ARKANSAS	2594240	01/26/2009	06/18/2009	S	Small Bank
COMMUNITY BK, LEXINGTON, TENNESSEE	361279	03/23/2009	06/29/2009	S	Small Bank
MID AMERICA B&TC, DIXON, MISSOURI	894151	03/23/2009	07/13/2009	S	Small 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 August 1, 2009

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 8
Federal Reserve Bank of: St. Louis