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 March 24, 2012

Filer

Filing Type

Filing Proposal

End of Comment Period

FIRST CAROLINA FINANCIAL SERVICES, INC.

* 3A1

First Carolina Financial Services, Inc., Durham, North Carolina, to become a bank holding company through the acquisition of 95.26% of the voting securities of First Carolina State Bank, Rocky Mount, North Carolina, and 95.65% of the voting securities of Pisgah Community Bank, Asheville, North Carolina.

Newspaper:	04/08/2012
Federal Register:	04/09/2012

FIRST COMMUNITY BANCSHARES, INC.

* 18C
* Branch
* 3A3

First Community Bancshares, Inc., Bluefield, Virginia, to acquire 100% of the voting shares of Peoples Bank of Virginia, Richmond, Virginia.

Newspaper:	04/19/2012
Federal Register:	04/23/2012

HARVEST BANCORP, INC.

CIC

U.S. Immigration Investment Center, LLC, Washington, D.C., and Ms. Mahnaz Khazen, as its managing director, to acquire up to 24.9% of the voting securities of HarVest Bancorp, Inc., Gaithersburg, Maryland.

Newspaper:	Not available
Federal Register:	04/10/2012

HOMETRUST BANCSHARES, INC.

* SLHC Formation

HomeTrust Bancshares, Inc., Clyde, North Carolina, to become a savings and loan holding company upon the conversion of HomeTrust Bank, Clyde, North Carolina, from a mutual to stock form of ownership.

Newspaper:	Not available
Federal Register:	04/19/2012

MAINSTREET BANK

* Branch

Main Street Bank, Herndon, Virginia, to establish a branch at 727 Elden Street, Herndon, Virginia

Newspaper:	Not available
Federal Register:	Not applicable

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 March 24, 2012

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond