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

District: 3
Federal Reserve Bank of: Philadelphia

Filings received during the week ending October 14, 2017

Filer

Filing Type

Filing Proposal

End of Comment Period

CORNERSTONE FINANCIAL CORPORATION

CIC

Stephen M. Holden, Merchantville, New Jersey, as co-Voting Trustee of the J. Mark Baiada Voting Trust, Toms River, New Jersey, intends to apply to the Federal Reserve Board to join J. Mark Baiada, Moorestown, New Jersey; Ann Baiada, Moorestown, New Jersey; the 1994 Baiada Family Trust, Evergreen, Colorado; Michael Baiada, Evergreen, Colorado, as trustee of the 1994 Baiada Family Trust; L. Mathew and Janet Baiada, Moorestown, New Jersey; Paul Melan Baiada, Moorestown, New Jersey; the Paul Melan Baiada 1999 Family Trust, Moorestown, New Jersey; Diane Baiada, Moorestown, New Jersey, as trustee of the Paul Melan Baiada 1999 Family Trust; the Baiada Trust for the Benefit of Caitlin Baiada, Moorestown, New Jersey; Diane Baiada and Michael Baiada, as trustees of the Baiada Trust for the Benefit of Caitlin Baiada; the Baiada Trust for the Benefit of Emma Baiada, Moorestown, New Jersey; Diane Baiada and Michael Baiada, as trustees of the Baiada Trust for the Benefit of Emma Baiada; and OceanFirst Bank, Toms River, New Jersey as the co-Voting Trustee of the J. Mark Baiada Voting Trust, Toms River, New Jersey, as part of a group acting in concert for permission to retain 10 percent or more of the voting shares and thereby control of Cornerstone Financial Corporation, Mount Laurel, New Jersey. Cornerstone Financial Corporation controls Cornerstone Bank, Mount Laurel, New Jersey.

Newspaper:	11/04/2017
Federal Register:	10/25/2017

LAWRENCE KEISTER & CO

* 3A3

Lawrence Keister & Company, Scottsdale, Pennsylvania; to acquire up to 21.7 percent of the voting shares of Mid Penn Bancorp, Inc., and thereby indirectly acquire voting shares of Mid Penn Bank, both in Millersburg, Pennsylvania.

Newspaper:	11/06/2017
Federal Register:	10/30/2017

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	Quarter
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 3 Federal Reserve Bank of: Philadelphia

Filings received during the week ending October 14, 2017

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 3
Federal Reserve Bank of: Philadelphia