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 25, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

BANK OF VIRGINIA

* Branch

Bank of Virginia, Midlothian, Virginia, proposes to establish a branch at 4023 West Hundred Road, Chester, Virginia.

Newspaper:	04/07/2006
Federal Register:	Not applicable

CENTRA FINANCIAL HOLDINGS, INC.

* 3A3

Centra Financial Holdings, Inc., Morgantown, West Virginia, to acquire up to 100% of the voting securities of Smithfield State Bank of Smithfield, Pennsylvania, Smithfield, Pennsylvania.

Newspaper:	04/24/2006
Federal Register:	04/17/2006

MONARCH FINANCIAL HOLDINGS, INC

3A1

Monarch Financial Holdings, Inc., Chesapeake, Virginia, to become a bank holding company by acquiring 100% of Monarch Bank, Chesapeake, Virginia.

Newspaper:	Not applicable
Federal Register:	Not applicable

VIRGINIA COMMUNITY BANK

* Branch

Virginia Community Bank, Louisa, Virginia, to establish a branch to be located at U.S. Routes 15 and 250, Zion Crossroads, Virginia.

Newspaper:	04/09/2006
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
FIRST B&TC, LEBANON, VIRGINIA	223322	10/17/2005	02/01/2006	S	Int Sm Bank
FIRST SENTINEL BK, RICHLANDS, VIRGINIA	920975	10/31/2005	02/01/2006	S	Small Bank
PLANTERS B&TC OF VA, STAUNTON, VIRGINIA	985620	08/29/2005	01/24/2006	S	Large Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending March 25, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond