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 January 14, 2012

Filer

Filing Type

Filing Proposal

End of Comment Period

BB&T CORPORATION

* 4c8

BB&T Corporation, Winston-Salem, North Carolina, to acquire 100% of the voting securities of BankAtlantic, Fort Lauderdale, Florida, a federal savings association.

Newspaper:	02/02/2012
Federal Register:	02/03/2012

FIRST CAPITAL BANCORP, INC.

CIC

Mr. Kenneth Ray Lehman of Arlington, Virginia, to acquire 51.3% of the outstanding voting securities of First Capital Bancorp, Inc., Glen Allen, Virginia.

Newspaper:	Not available
Federal Register:	Not available

HOMETRUST BANCSHARES, INC.

* SLHC Formation

HomeTrust Bancshares, Inc., Clyde, North Carolina, to become a savings and loan holding company upon the conversion of HomeTrust Bank, Clyde, North Carolina, from a mutual to stock form of ownership.

Newspaper:	01/29/2012
Federal Register:	02/06/2012

LIBERTY FEDERAL SAVINGS AND LOAN ASSOCIATION

Member

Liberty Federal Savings and Loan Association, Baltimore, Maryland, to become a state member bank upon the charter conversion.

Newspaper:	Not applicable
Federal Register:	Not applicable

UNITED BANK, INC.

* 18C

United Bank, Inc., Parkersburg, West Virginia, is to merge with affiliate Centra Bank, Inc., Morgantown, West Virginia.

Newspaper:	02/08/2012
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
NEW PEOPLES BK, HONAKER, VIRGINIA	2736451	08/08/2011	12/13/2011	S	Int Sm Bank
VA COMMONWEALTH BK, PETERSBURG, VIRGINIA	534774	09/26/2011	12/27/2011	S	Int Sm Bank

CRA Examinations scheduled for Quarter of

Institution	Location
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending January 14, 2012

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond