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 August 7, 2010

Filer

Filing Type

Filing Proposal

End of Comment Period

FBD HOLDING COMPANY, INC.

CIC

Prior change in control notice filed by Shelby Cicero Peeples, Jr., Dalton, Georgia, to acquire an additional 27.70 percent of the outstanding shares of FBD Holding Company, Inc., and its subsidiary, First Bank of Dalton, both of Dalton, Georgia. Total pro forma ownership will equal 32.22 percent.

Newspaper:	Not available
Federal Register:	08/18/2010

FBD HOLDING COMPANY, INC.

CIC

After-the-fact change in control notice filed by Shelby C. Peeples, Jr., Dalton, Georgia, Willena Peeples, Dalton, Georgia, W. Bryan Peeples, Amy L. Peeples, G. Thomas Peeples, Garrett T. Peeples Trust, with G. Thomas Peeples as trustee, Vickie D. Peeples, all of Ringgold, Georgia, Jane Stanfield, Dalton, Georgia, Syndi Peeples Paris, Ringgold, Georgia, Michelle Stanfield Evans, Dalton, Georgia, John P. Neal, III, Dalton, Georgia, as trustee for Asa Wallace Peeples Trust, Chapman D. Peeples Trust, Rhett Shelby Peeples Trust, Ellys Allene Peeples Trust, Gage W. Peeples Trust, Garrett T. Peeples Trust, Lily L. Peeples Trust, Syndi M. Peeples Trust, all of Ringgold, Georgia, and W. Michelle Stanfield Evans Trust, Dalton, Georgia, to retain 41.89 percent of the outstanding shares of FBD Holding Company, Inc., and its subsidiary, First Bank of Dalton, both of Dalton, Georgia.

Newspaper:	08/16/2010
Federal Register:	08/25/2010

FIRST CITIZENS BANKSHARES, INC.

CIC

Prior change in control notice filed by Mark Vann Smith, Savannah, Georgia, to acquire up to an additional 20.75 percent of the outstanding shares of First Citizens Bankshares, Inc., and its subsidiary, First Citizens Bank, both of Glennville, Georgia. Total pro forma ownership will not exceed 58.98

Newspaper:	08/12/2010
Federal Register:	08/09/2010

FIRST CITIZENS-CRENSHAW BANCSHARES, INC.

CIC

First Citizens-Crenshaw Bancshares, Luverne, Alabama, prior change in control filed by John Milton Wise, Sr., Lilellen Hicks Wise, Mack Arthur Wise, John Milton Wise, Jr., Stephanie Wise Jones, Michael Eugene Jones, Candace Aline Jones Sansing, Klein McCaegor Jones, and Sadie Ellen Jones, all of Luverne, Alabama, to collectively acquire an additional 9.34 percent of the outstanding shares of First Citizens-Crenshaw Bancshares, Inc., and its subsidiary, First Citizens Bank, both of Luverne, Alabama. Total pro forma ownership will equal 25.34 percent.

Newspaper:	Not available
Federal Register:	08/25/2010

NAPLES BANCORP, INC.

CIC

After-the-fact change in control notice filed by Kenneth Richard Murray, Naples, Florida to retain 39.67 percent of the outstanding shares of Naples Bancorp, Inc., and its subsidiary bank, Bank of Naples, both of Naples, Florida.

Newspaper:	Not available
Federal Register:	08/18/2010

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 August 7, 2010

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta