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 April 2, 2016

Filer

Filing Type

Filing Proposal

End of Comment Period

FIRST CITIZENS FINANCIAL CORPORATION

CIC

Prior change in control notice by Strategic Value Investors, LP, and its general partner, Strategic Value Bank Partners, LLC, both of Beachwood, Ohio; Benjamin Mackovak, Cleveland, Ohio; and Martin E. Adams, Naples, Florida; for permission to acquire more than 10 percent of First Citizens Financial Corporation, and its subsidiary, Foothills Community Bank, both of Dawsonville, Georgia.

Newspaper:	04/12/2016
Federal Register:	04/12/2016

FIRST FARMERS AND MERCHANTS BANK

* Branch

First Farmers and Merchants Bank, Columbia, Tennessee, to establish a branch located at 5020 Harpeth Drive, Brentwood, Tennessee.

Newspaper:	Not available
Federal Register:	Not applicable

HERITAGE FIRST BANCSHARES, INC.

CIC

Prior change in control notice filed by Andrew Charles Heaner, Atlanta, Georgia, to acquire an additional 2.73 percent of the outstanding shares of Heritage First Bancshares, Inc., and its subsidiary, Rome, Georgia. Total pro forma ownership will equal 26.74 percent.

Newspaper:	Not available
Federal Register:	Not available

OCEAN BANKSHARES, INC.

CIC

After-the-fact notification filed by: 1) A. Alfonso Macedo, Adriana Macedo Moncayo, Olga E. Macedo, and Sandra Macedo Moncayo (the Macedo Family); 2) Javier Macedo Rodriguez, Belkis Macedo de Graterol, Candida Isabel Macedo Rodriguez, and Nelly Macedo Rodriguez (the Rodriguez Family); and 3) Ernesto de Abreu Gonzalez, Carmen Elena de Abreu, Mercedes Coromoto de Abreu Gonzalez, and Jose Alberto de Abreu Gonzalez (the Gonzalez Family) and the Macedo, Rodriguez, and Gonzalez Families' multiple related companies, partnerships, trusts, and trustees to maintain control of Ocean Bankshares, Inc. (Bankshares) and its subsidiary, Ocean Bank (Bank), both of Miami, Florida, pursuant to the Change in Bank Control Act of 1978.

Newspaper:	08/27/2015
Federal Register:	Not available

SUNTRUST BANK

* Branch

SunTrust Bank, Atlanta, Georgia, to establish a branch located at 14040 Walsingham Road, Largo, Florida, to be known as the Indian Rocks Office.

Newspaper:	04/14/2016
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: 6 Federal Reserve Bank of: Atlanta

Filings received during the week ending April 2, 2016

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 6
Federal Reserve Bank of: Atlanta