Federal Reserve Release, H2, Actions of the Board, its Staff, and the Federal Reserve Banks; Applications and Reports Received

District: 6
Federal Reserve Bank of: Atlanta

Filings received during the week ending July 24, 2010

Filer

Filing Type

Filing Proposal

End of Comment Period

FIRST CITIZENS BANKSHARES, INC.

CIC

Prior change in control notice filed by Mark Van Smith, Savannah, Georgia, to acquire up to an additional 20.75 percent of the outstanding shares of First Citizens Bankshares, Inc., and its subsidiary, First Citizens Bank, both of Glennville, Georgia. Total pro forma ownership will not exceed 58.98

Newspaper:	Not available
Federal Register:	08/09/2010

First Peoples Bancorp, Inc.

* 3A1

First Peoples Bancorp, Inc., to become a bank holding company by acquiring 100 percent of the outstanding shares of First Peoples Bank of Tennessee, both of Jefferson City, Tennessee.

Newspaper:	Not available
Federal Register:	Not available

NORTH AMERICAN FINANCIAL HOLDINGS, INC.

4c8
* 3A3

North American Financial Holdings, Inc., Charlotte, North Carolina (NAFH), to acquire up to 100 percent of the outstanding voting shares of TIB Financial Corp., and its subsidiary, TIB Bank, both of Naples, Florida. In addition, NAFH proposes to indirectly acquire 100 percent of the voting shares of Naples Capital Advisors, Inc., Naples, Florida, and thereby engage in investment and financial advisory activities.

Newspaper:	Not available
Federal Register:	08/20/2010

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: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending July 24, 2010

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta