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 August 20, 2011

Filer

Filing Type

Filing Proposal

End of Comment Period

COMMUNITY FIRST FINANCIAL GROUP, INC.

* 3A1

Community First Financial Group, Inc., Chapel Hill, North Carolina, to become a bank holding company in relation to Harrington Bank, Chapel Hill, North Carolina, proposed successor by charter conversion to Harrington Bank, FSB, Chapel Hill, North Carolina.

Newspaper:	09/12/2011
Federal Register:	09/15/2011

FNB UNITED CORP.

* 3A5

FNB United Corp., Asheboro, North Carolina, to acquire 100% of the voting securities of Bank of Granite Corporation, Granite Falls, North Carolina, and thereby indirectly acquire Bank of Granite, Granite Falls, North Carolina.

Newspaper:	09/04/2011
Federal Register:	09/09/2011

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 Forth Quarter of 2011 (October 1, 2011 - December 31, 2011)

Institution	Location
ESSEX BK	TAPPAHANNOCK, VIRGINIA
FIRST B&TC	LEBANON, VIRGINIA
FIRST CAP BK	GLEN ALLEN, VIRGINIA
HIGHLANDS CMNTY BK	COVINGTON, VIRGINIA
PATAPSCO BK	DUNDALK, MARYLAND
VIRGINIA CMRC BK	ARLINGTON, VIRGINIA
WACCAMAW BK	WHITEVILLE, NORTH CAROLINA

* Subject to the provisions of the Community Reinvestment Act

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending August 20, 2011

Availability of CRA Public Evaluations

CRA Examinations scheduled for Forth Quarter of 2011 (October 1, 2011 - December 31, 2011)

District: 5
Federal Reserve Bank of: Richmond