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 May 22, 2010

Filer

Filing Type

Filing Proposal

End of Comment Period

CapGen Capital Group IV LLC

* 3A1

CapGen Capital Group IV LLC and CapGen Capital Group IV LP, both of New York, New York, to become bank holding companies through the acquisition of up to 49.9% of the voting securities of Jacksonville Bancorp, Jacksonville, Florida, and indirectly acquire The Jacksonville Bank, Jacksonville, Florida.

Newspaper:	Not available
Federal Register:	06/18/2010

Cordia Bancorp Inc.

* 3A1

Cordia Bancorp Inc., Washington, DC, to become a bank holding company through the acquisition of up to 52.3% of the voting securities of Bank of Virginia, Midlothian, Virginia.

Newspaper:	06/18/2010
Federal Register:	06/12/2010

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
HERITAGE BK, NORFOLK, VIRGINIA	911825	10/19/2009	05/11/2010	S	Small Bank

CRA Examinations scheduled for Third Quarter of 2010 (July 1, 2010 - September 30, 2010)

Institution	Location
BANKANNAPOLIS	ANNAPOLIS, MARYLAND
COMMUNITY CAP BK VA	CHRISTIANSBURG, VIRGINIA
EVB	TAPPAHANNOCK, VIRGINIA
FARMERS & MERCHANTS BK	TIMBERVILLE, VIRGINIA
FARMERS BK OF APPOMATTOX	APPOMATTOX, VIRGINIA
FREEDOM BK OF VIRGINIA	VIENNA, VIRGINIA
PLEASANTS CTY BK	SAINT MARYS, WEST VIRGINIA
SANDY SPRING BK	OLNEY, MARYLAND
SONABANK	MCLEAN, VIRGINIA
UNION FIRST MKT BK	RICHMOND, VIRGINIA

* Subject to the provisions of the Community Reinvestment Act

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending May 22, 2010

Availability of CRA Public Evaluations

CRA Examinations scheduled for Third Quarter of 2010 (July 1, 2010 - September 30, 2010)

District: 5
Federal Reserve Bank of: Richmond