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 May 25, 2013

Filer

Filing Type

Filing Proposal

End of Comment Period

Keystone Bancshares, Inc.

3A1

Keystone Bancshares, Inc., notice to become a bank holding company by acquiring Keystone Bank, both of Auburn, Alabama.

Newspaper:	Not applicable
Federal Register:	Not applicable

NBG BANCORP, INC.

CIC

Prior change in control notice filed by Barrett Capital Investments, LP, John Barrett, General Partner and Susan Barrett, General Partner, to acquire an additional 3.69 percent of the outstanding shares of NBG Bancorp, Inc., and its subsidiary, National Bank of Georgia, all of Athens, Georgia. Total pro forma ownership will equal 14.12 percent.

Newspaper:	06/20/2013
Federal Register:	06/12/2013

PROGRESS FINANCIAL CORPORATION

* 3A1

Progress Financial Corporation, notice to become a bank holding company by acquiring 100 percent of the outstanding shares of Progress Bank and Trust, both of Huntsville, Alabama.

Newspaper:	Not available
Federal Register:	Not available

SMARTBANK

* Branch

SmartBank, Pigeon Forge, Tennessee, to establish a branch located at 201 North Palafox Street, Pensacola, Florida 32502.

Newspaper:	06/05/2013
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 Third Quarter of 2013 (July 1, 2013 - September 30, 2013)

Institution	Location
BRAND BKG CO	LAWRENCEVILLE, GEORGIA
CCB CMNTY BK	ANDALUSIA, ALABAMA
STATE B&TC	MACON, GEORGIA

* Subject to the provisions of the Community Reinvestment Act

District: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending May 25, 2013

Availability of CRA Public Evaluations

CRA Examinations scheduled for Third Quarter of 2013 (July 1, 2013 - September 30, 2013)

District: 6
Federal Reserve Bank of: Atlanta