Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 4
Federal Reserve Bank of: Cleveland

Filings received during the week ending June 8, 2013

Filer

Filing Type

Filing Proposal

End of Comment Period

CITIZENS BANCSHARES, INC.

CIC

Interagency Notice of Change in Bank Control by The Credit Shelter Trust u/t/a Odell Merrick Revocable Trust Living Trust dated 1/21/1997 ("Trust"), and Nancy Routt Merrick in her capacity as Trustee of the Trust, to retain control of 10 percent or more of the outstanding voting shares of Citizens Bancshares,Inc., Somerset, Kentucky and thereby indirectly control the Citizens National Bank of Somerset, Somerset, Kentucky, in connection with the partial distribution of Citizens Bancshares stock by the Estate of Odell Merrick to the Trust on December 19, 2012

Newspaper:	06/26/2013
Federal Register:	06/26/2013

FARMERS NATIONAL BANC CORP.

4c8

Section 4(c)(8) notification filed by Farmers National Banc Corp., Canfield, OH to acquire 100% of the voting shares of National Associates, Inc., Cleveland, OH and thereby engage in employee benefits consulting services pursuant to Section 225.28(b)(9)(ii) of Regulation Y.

Newspaper:	Not applicable
Federal Register:	Not applicable

FIFTH THIRD BANK

* Branch

Fifth Third Bank, Cincinnati, OH to establish a temporary branch at Kennesaw State University, 1000 Chastain Rd., Kennesaw, GA.

Newspaper:	06/21/2013
Federal Register:	Not applicable

GENOA BANKING COMPANY, THE

Premises
* Branch

Genoa Banking Company, Genoa, OH to establish a branch at 5501 Monroe Street, Sylvania, OH and request to exceed its limit of investment in premises.

Newspaper:	06/20/2013
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: 4 Federal Reserve Bank of: Cleveland

Filings received during the week ending June 8, 2013

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 4
Federal Reserve Bank of: Cleveland