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 March 27, 2010

Filer

Filing Type

Filing Proposal

End of Comment Period

BANCO DO ESTADO DO RIO GRANDE DO SUL S.A.

FBSEA

Banco do Estado do Rio Grande do Sul, S.A., Rio Grande do Su, Brazil, to establish an international branch office in Miami, Florida.

Newspaper:	04/11/2010
Federal Register:	Not applicable

INVESTAR HOLDING COMPANY

* 3A1

Investar Holding Corporation, to become a bank holding company by acquiring 100 percent of the outstanding shares of Investar Bank, both of Baton Rouge, Louisiana.

Newspaper:	04/23/2010
Federal Register:	04/16/2010

NBG BANCORP, INC.

CIC

Prior change in control notice filed by Robert E. Burton, Athens, Georgia, to acquire an additional 2.08 percent of the outstanding shares of NBG Bancorp, Inc., and its subsidiary, National Bank of Georgia, both of Athens, Georgia. Total pro forma ownership will equal 11.45 percent.

Newspaper:	04/01/2010
Federal Register:	04/07/2010

PALM BANCORP, INC.

CIC

Prior change in control notice filed by Marty E. Adams, Salineville, Ohio; Kevin T. Thompson, Saint Augustine, Florida; and John S. Loeber, Travelers Rest, South Carolina; to acquire control of Palm Bancorp, Inc., and its subsidiary bank, The Palm Bank, both of Tampa, Florida.

Newspaper:	Not available
Federal Register:	02/09/2010

SMARTFINANCIAL, INC.

* 3A1

SmartFinancial, Inc., to become a bank holding company by acquiring 100 percent of the outstanding shares of SmartBank, both of Pigeon Forge, Tennessee.

Newspaper:	04/22/2010
Federal Register:	04/23/2010

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 March 27, 2010

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta