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 June 21, 2014

Filer

Filing Type

Filing Proposal

End of Comment Period

BANCO DE CREDITO E INVERSIONES S.A.

* 3A1

Banco De Credito E Inversiones, Empresas Juan Yarur S.A.C., Inversiones Petro S.A., Inversiones Baquio LTDA., Inversiones Nueve LTDA., and Administraciones Baquio LTDA., all of Santiago, Chile, to become bank holding companies by acquiring 100 percent of CM Florida Holdings, Inc., Coral Gables, Florida, and its subsidiary, City National Bank of Florida, Miami, Florida.

Newspaper:	Not available
Federal Register:	08/08/2013

GEORGIA COMMUNITY BANCORP, INCORPORATED

CIC

After-the-fact change in control notice filed by Lucie VanLandingham Beeley, Leesburg, Georgia, and Stevan Reynolds Tuck, Dawson, Georgia, to retain control of 27.50 percent of the outstanding shares of the Class B common stock of Georgia Community Bancorp, Inc., Dawson, Georgia, and its subsidiary, The Citizens State Bank of Taylor County, Reynolds, Georgia. Total pro forma ownership equals 100 percent.

Newspaper:	Not available
Federal Register:	06/26/2014

HCBF HOLDING COMPANY, INC.

* 3A5

HCBF Holding Company, Inc., Fort Pierce, Florida, to merge with Highlands Independent Bancshares, Inc., and thereby acquire its subsidiary, Highlands Independent Bank, both of Sebring, Florida.

Newspaper:	Not available
Federal Register:	07/14/2014

HERITAGE FINANCIAL GROUP, INC.

* 3A1

Heritage Financial Group, Inc., Albany, Georgia, to become a bank holding company by acquiring 100 percent of the outstanding shares of Alarion Financial Services, Inc., and its subsidiary, Alarion Bank, both of Ocala, Florida.

Newspaper:	07/14/2014
Federal Register:	Not available

NATIONAL COMMERCE CORPORATION

* 3A5

National Commerce Corporation, Birmingham, Alabama, to merge with United Group Banking Company of Florida, Inc., and thereby acquire United Legacy Bank, both of Longwood, Florida.

Newspaper:	07/19/2014
Federal Register:	07/21/2014

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 June 21, 2014

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta