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 17, 2009

Filer

Filing Type

Filing Proposal

End of Comment Period

BANK OF AMERICA, NATIONAL ASSOCIATION

Other Foreign

Bank of America, National Association, Charlotte, North Carolina, to amend the articles of association for its wholly-owned Edge corporation subsidiary, Boston Overseas Financial Corporation, New York, New York.

Newspaper:	Not applicable
Federal Register:	Not applicable

COMMUNITY BANK INVESTORS OF AMERICA, LP

* 4c8

FA Capital, LLC and Community Bank Investors of America, L.P., both located in Richmond, Virginia, to acquire up to 18.0% of the voting securities of Gateway Bank, FSB, San Francisco, California.

Newspaper:	02/05/2009
Federal Register:	02/05/2009

GATEWAY BANK & TRUST CO.

* Branch

Gateway Bank & Trust Co., Elizabeth City, North Carolina, proposes to establish a branch at 4725 SW Cary Parkway, Cary, North Carolina.

Newspaper:	01/27/2009
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
NONE

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 17, 2009

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 5
Federal Reserve Bank of: Richmond