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 June 30, 2007

Filer

Filing Type

Filing Proposal

End of Comment Period

BANK OF AMERICA CORPORATION

* 3A5

Bank of America Corporation, Charlotte, North Carolina, to acquire 100% of the voting securities of ABN AMRO North America Holding Company, Chicago, Illionois, and thereby indirectly acquire LaSalle Bank National Association, Chicago, Illinois, and LaSalle Bank Midwest National Association, Troy, Michigan.

Newspaper:	07/02/2007
Federal Register:	07/03/2007

FIA CARD SERVICES, N.A.

Investment

FIA Card Services, N.A., Wilmington, Delaware, to make an investment in a subsidiary.

Newspaper:	Not applicable
Federal Register:	Not applicable

HARVEST BANCORP, INC.

3A1

HarVest Bancorp, Inc., Rockville, Maryland, to become a bank holding company by acquiring 100% of the voting shares of HarVest Bank of Maryland, Rockville, Maryland.

Newspaper:	Not applicable
Federal Register:	Not applicable

RBC CENTURA BANK

* Branch

RBC Centura Bank, Raleigh, North Carolina, proposes to establish a branch at 10360 Royal Palm Boulevard, Coral Springs, Florida.

Newspaper:	07/11/2007
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
FARMERS & MERCHANTS BK, TIMBERVILLE, VIRGINIA	713926	07/24/2006	05/16/2007	S	Int Sm Bank
NBRS FNCL, RISING SUN, MARYLAND	368429	02/05/2007	05/15/2007	S	Small Bank
SECURITY ONE BK, BAILEYS CROSSROADS, VIRGINIA	3419416	03/19/2007	05/27/2007	S	Small Bank
TRADERS BK, SPENCER, WEST VIRGINIA	13037	10/23/2006	05/14/2007	S	Small Bank
UNITED BK, FAIRFAX, VIRGINIA	365325	11/27/2006	06/06/2007	S	Large Bank
UNITED BK, PARKERSBURG, WEST VIRGINIA	1010930	11/27/2006	06/11/2007	S	Large Bank
VIRGINIA BUS BK, RICHMOND, VIRGINIA	3390702	03/05/2007	06/06/2007	S	Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending June 30, 2007

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond