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 October 27, 2007

Filer

Filing Type

Filing Proposal

End of Comment Period

EVB

* Branch

EVB, Tappahannock, Virginia, proposes to establish a branch at 3300 New Kent Highway, Quinton, Virginia.

Newspaper:	11/02/2007
Federal Register:	Not applicable

FIRST CHARTER BANK

* Branch

First Charter Bank, Charlotte, North Carolina, proposes to establish a branch at 606 South Main Street, Kannapolis, North Carolina.

Newspaper:	11/02/2007
Federal Register:	Not applicable

FIRST NATIONAL BANCSHARES, INC.

* 3A5

First National Bancshares, Inc., Spartanburg, South Carolina, to acquire 100% of the voting securities of Carolina National Corporation, Columbia, South Carolina, and thereby indirectly acquire Carolina National Bank and Trust Company, Columbia, South Carolina.

Newspaper:	Not available
Federal Register:	Not available

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
BANK OF MARION, MARION, VIRGINIA	858528	06/04/2007	09/20/2007	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 October 27, 2007

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond