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 February 18, 2006

Filer

Filing Type

Filing Proposal

End of Comment Period

RIVER CITY BANK

* Branch

River City Bank, Mechanicsville, Virginia, proposes to establish a branch at 109 E. Nine Mile Road, Highland Springs, Virginia.

Newspaper:	03/02/2006
Federal Register:	Not applicable

Security One Bank

Member

Security One Bank, Baileys Crossroads, Virginia,(in organization) to become a member of the Federal Reserve System.

Newspaper:	Not applicable
Federal Register:	Not applicable

VIRGINIA BUSINESS BANK

Member

Virginia Business Bank, Richmond, Virginia, to become a member of the Federal Reserve System.

Newspaper:	Not applicable
Federal Register:	Not applicable

VIRGINIA HERITAGE BANK

* Branch

Virginia Heritage Bank, Fairfax, Virginia, requests permission to provide a courier service to pick up noncash deposits from business customers.

Newspaper:	02/18/2006
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
VIRGINIA CMRC BK, ARLINGTON, VIRGINIA	1190074	09/26/2005	12/28/2005	S	Large Bank

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

Institution	Location
NONE

District: 5 Federal Reserve Bank of: Richmond

Filings received during the week ending February 18, 2006

Availability of CRA Public Evaluations

CRA Examinations scheduled for Second Quarter of 2006 (April 1, 2006 - June 30, 2006)

District: 5
Federal Reserve Bank of: Richmond