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 April 9, 2011

Filer

Filing Type

Filing Proposal

End of Comment Period

CARROLL BANCORP, INC.

* 3A1

Carroll Bancorp, Inc., Sykesville, Maryland, to become a bank holding company through the acquisition of 100% of the voting stock of Carroll Community Bank, Sykesville, Maryland, upon its conversion from a mutual state savings bank to a state-chartered stock commercial bank.

Newspaper:	Not available
Federal Register:	04/21/2011

UNITED BANKSHARES, INC.

* 3A5

United Bankshares, Inc., Charleston, West Virginia, through its second-tier holding company, UBC Holding Company, Inc., Parkersburg, West Virginia, to acquire 100% of the voting securities of Centra Financial Holdings, Inc., Morgantown, West Virginia, and thereby indirectly acquire: Centra Financial Corporation-Martinsburg, Inc., Centra Financial Corporation-Morgantown, Inc., Centra Financial Corporation-Uniontown, Inc., Centra Financial Corporation-Hagerstown, Inc., and Centra Bank, all located in Morgantown, West Virginia.

Newspaper:	05/03/2011
Federal Register:	05/06/2011

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: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending April 9, 2011

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond