Office of Thrift Supervision (OTS) Application Decision Letters

Issue Date	Title
07/11/2011	Full Stock Conversion and Holding Company Acquisition – Home Federal Savings and Loan Association, Ashland, Kentucky and Poage Bankshares, Inc., Ashland, Kentucky
07/01/2011	MHC Reorganization and HOLA 10(L) Election – Valley Central Savings Bank, Reading, Ohio and Valley Central Bancorp, Inc., Reading, Ohio
06/30/2011	MHC Reorganization – The Cincinnatus Savings and Loan Company, Cheviot, Ohio and Cincinnatus Community Bancorp, Inc., Cheviot, Ohio
05/13/2011	Second Step Stock Conversion and Holding Company Acquisition – Naugatuck Valley Mutual Holding Company, Naugatuck, Connecticut and Naugatuck Valley Savings and Loan, Naugatuck, Connecticut/Naugatuck Valley Financial Corporation, Naugatuck, Connecticut
05/13/2011	Full Stock Conversion and Holding Company Acquisition – Iroquois FS & LA, Watseka, Illinois and IF Bancorp, Inc., Watseka, Illinois
04/06/2011	Minority Stock Issuance – Pathfinder Bancorp, Inc., Oswego, New York
03/31/2011	Minority Stock Issuance – Mid-Southern Savings Bank, FSB, Salem, Indiana
03/21/2011	Charter Amendment - Savings Institute Bank and Trust Co., Willimantic, Connecticut
03/04/2011	Management Interlocks - Hawaiian Electric Industries, Inc., Honolulu, Hawaii
02/11/2011	Second Step Stock Conversion and Holding Company Acquisition – Franklin Financial Corporation MHC, Glen Allen, Virginia and Franklin Federal Savings Bank, Glen Allen, Virginia/Franklin Financial Corporation, Glen Allen, Virginia
02/11/2011	Second Step Stock Conversion and Holding Company Acquisition – Sunshine Savings MHC, Tallahassee, Florida and Sunshine Savings Bank, Tallahassee, Florida/Sunshine Financial, Inc., Tallahassee, Florida
02/10/2011	Full Stock Conversion and Holding Company Acquisition – Fraternity FS&LA, Baltimore, Maryland and Fraternity Community Bancorp, Inc., Baltimore, Maryland
11/12/2010	Full Stock Conversion and Holding Company Acquisition – Wolverine Bank, Midland, Michigan/Wolverine Bancorp, Inc., Midland, Michigan
11/12/2010	MHC Reorganization and Minority Stock Issuance – Oconee Federal Savings and Loan Association, Seneca, South Carolina and Oconee Federal Financial Corp., Seneca, South Carolina
11/12/2010	Second Step Stock Conversion and Holding Company Acquisition – Atlantic Coast Federal, MHC, Waycross, Georgia and Atlantic Coast Bank, Waycross, Georgia/Atlantic Coast Financial Corporation, Waycross, Georgia
11/10/2010	Second Step Stock Conversion and Holding Company Acquisition – Alliance Mutual Holding Company, Broomall, Pennsylvania and Greater Delaware Valley Savings Bank, dba Alliance Bank, Broomall, Pennsylvania/Alliance Bancorp, Inc. of Pennsylvania, Broomall, PA
11/10/2010	Second Step Stock Conversion and Holding Company Acquisition – SI Bancorp, MHC, Willimantic, Connecticut and Savings Institute Bank and Trust Company, Willimantic, Connecticut/SI Financial Group, Inc., Willimantic, Connecticut
11/09/2010	Second Step Stock Conversion and Holding Company Acquisition – Minden Federal Mutual Holding Company, Minden, Louisiana and MBL Bank, Minden, Louisiana/Minden Bancorp, Inc., Minden, Louisiana
11/05/2010	Second Step Stock Conversion and Holding Company Acquisition – Home Federal Mutual Holding Company of Louisiana, Shreveport, Louisiana and Home Federal Bank, Shreveport, Louisiana/Home Federal Bancorp, Inc., Shreveport, Louisiana
10/12/2010	Second Step Stock Conversion and Holding Company Acquisition – Heritage MHC, Albany, Georgia and HeritageBank of the South, Albany, Georgia/Heritage Financial Group, Albany, Georgia
09/28/2010	Second Step Stock Conversion and Holding Company Acquisition – K-Fed Mutual Holding Company, Covina, California and Kaiser Federal Bank, Covina, California/Kaiser Federal Financial Group, Inc., Covina, California
09/09/2010	Charter Amendment - Fox Chase Bank, Hatboro, Pennsylvania
08/12/2010	Full Stock Conversion and Holding Company Acquisition - SharePlus Federal Bank, Plano, Texas/SP Bancorp, Inc, Plano, Texas
08/12/2010	Full Stock Conversion and Holding Company Acquisition - Madison Square Federal Savings Bank, Baltimore, Maryland/Madison Bancorp, Inc., Baltimore, Maryland
08/12/2010	Secondary Stock Issuance - Charter Financial Corporation, West Point, Georgia
08/11/2010	Full Stock Conversion and Holding Company Acquisition - Bank of Ruston, Ruston, Louisiana/Century Next Financial Corporation, Ruston, Louisiana
07/09/2010	Second Step Stock Conversion and Holding Company Acquisition - Capitol Federal Savings Bank MHC, Topeka, Kansas and Capitol Federal Savings Bank, Topeka, Kansas/Capitol Federal Financial, Inc., Topeka, Kansas
05/17/2010	Second Step Stock Conversion and Holding Company Acquisition - FedFirst Financial MHC, Monessen, Pennsylvania and First Federal Savings Bank, Monessen, Pennsylvania/FedFirst Financial Corporation, Monessen, Pennsylvania
05/14/2010	Second Step Stock Conversion and Holding Company Acquisition - Colonial Bankshares, MHC, Vineland, New Jersey and Colonial Bank, Vineland, New Jersey/Colonial Financial Services, Inc., Vineland, New Jersey
05/14/2010	Second Step Stock Conversion and Holding Company Acquisition - Peoples Federal MHC, Brighton, Massachusetts and Peoples Federal Savings Bank, Brighton, Massachusetts/Peoples Federal Bancshares, Inc., Brighton, Massachusetts
05/14/2010	Second Step Stock Conversion and Holding Company Acquisition - Fox Chase, MHC, Hatboro, Pennsylvania and Fox Chase Bank, Hatboro, Pennsylvania/Fox Chase Bancorp, Inc., Hatboro, Pennsylvania
05/14/2010	Second Step Stock Conversion and Holding Company Acquisition - Oneida Financial, MHC, Oneida, New York and The Oneida Savings Bank, Oneida, New York/Oneida Financial Corp, Oneida, New York
05/14/2010	Second Step Stock Conversion and Holding Company Acquisition - Jacksonville Bancorp, MHC, Jacksonville, Illinois and Jacksonville Savings Bank, Jacksonville, Illinois/Jacksonville Bancorp, Inc., Jacksonville, Illinois
05/10/2010	Second Step Stock Conversion and Holding Company Acquisition - Oritani Financial Corp., MHC, Township of Washington, New Jersey and Oritani Bank, Township of Washington, New Jersey/Oritani Financial Corp., Township of Washington, New Jersey
05/06/2010	Second Step Stock Conversion and Holding Company Acquisition - ViewPoint MHC, Plano, Texas and ViewPoint Bank, Plano, Texas/ViewPoint Financial Group, Inc., Plano, TX
04/15/2010	Full Stock Conversion and Holding Company Acquisition - Fairmount Bank, Baltimore, Maryland/Fairmount Bancorp, Inc., Baltimore, Maryland
04/07/2010	Management Interlocks - ETrade Financial Corporation, New York, New York and ETrade Bank, Arlington, Virginia
02/16/2010	Second Step Stock Conversion and Holding Company Acquisition - Eagle Financial, MHC, Helena, Montana and American Federal Savings Bank, Helena, Montana/Eagle Bancorp Montana, Inc.
02/12/2010	Second Step Stock Conversion and Holding Company Acquisition - Harvard Savings, MHC, Harvard, Illinois and Harvard Savings bank, Harvard, Illinois/Harvard Illinois Bancorp, Inc., Harvard, Illinois