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

District: 9
Federal Reserve Bank of: Minneapolis

Filings received during the week ending July 28, 2018

Filer

Filing Type

Filing Proposal

End of Comment Period

CITIZENS COMMUNITY BANCORP, INC.

* 3A3

Citizens Community Bancorp, Inc., Eau Claire, Wisconsin, to acquire 100 percent of United Bank, Osseo, Wisconsin.

Newspaper:	Not available
Federal Register:	08/24/2018

HERITAGE BANCSHARES GROUP, INC.

CIC

Change in Control Notice by Heritage Bancshares Group, Inc., Employee Stock Ownership Plan and Trust, Spicer, Minnesota ("ESOP"), and Justin Rey, Sioux Falls, South Dakota, individually and as trustee of ESOP, to acquire additional shares of Heritage Bancshares Group, Inc., Spicer, Minnesota, and thereby indirectly acquire control of Heritage Bank, National Association, Spicer, Minnesota.

Newspaper:	Not available
Federal Register:	08/08/2018

MACKINAC FINANCIAL CORPORATION

* 3A3

Mackinac Financial Corporation, Manistique, Michigan, to acquire 100 percent of Lincoln Community Bank, Merrill, Wisconsin.

Newspaper:	Not available
Federal Register:	Not available

MidCountry Acquisition Corporation

* SLHC Formation

MidCountry Acquisition Corp., Minneapolis, Minnesota, to become a savings and loan holding company and to acquire 100 percent of MidCountry Bank, FSB, Bloomington, Minnesota.

Newspaper:	Not available
Federal Register:	Not available

PF INVESTORS, INC.

* 3A1

PF Investors, Inc., Whitehall, Wisconsin, to become a bank holding company by acquiring 100% of PFSB Bancorporation, Inc., Pigeon Falls, Wisconsin, and thereby indirectly acquire Pigeon Falls State Bank, Pigeon Falls, Wisconsin.

Newspaper:	Not available
Federal Register:	08/20/2018

WNB HOLDING COMPANY

4c8
* 3A3

WNB Holding Company, Winona, Minnesota, to acquire 100 percent of First State Bank of Wabasha, Wabasha, Minnesota. WNB Holding Company also to acquire 100 percent of First State Insurance of Wabasha, Inc., Wabasha, Minnesota and thereby indirectly engage in general insurance agency activities in a community that has a population not exceeding 5,000.

Newspaper:	Not available
Federal Register:	08/10/2018

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
DAKOTA WESTERN BK, BOWMAN, NORTH DAKOTA	827458	04/16/2018	07/19/2018	S	Small Bank

CRA Examinations scheduled for Quarter of

Institution	Location	Quarter
NONE

* Subject to the provisions of the Community Reinvestment Act

District: 9 Federal Reserve Bank of: Minneapolis

Filings received during the week ending July 28, 2018

Availability of CRA Public Evaluations

CRA Examinations scheduled for Quarter of

District: 9
Federal Reserve Bank of: Minneapolis