0000897069-12-000439.txt : 20121204 0000897069-12-000439.hdr.sgml : 20121204 20121204163906 ACCESSION NUMBER: 0000897069-12-000439 CONFORMED SUBMISSION TYPE: SC 13D/A PUBLIC DOCUMENT COUNT: 2 FILED AS OF DATE: 20121204 DATE AS OF CHANGE: 20121204 SUBJECT COMPANY: COMPANY DATA: COMPANY CONFORMED NAME: AMERIANA BANCORP CENTRAL INDEX KEY: 0000855574 STANDARD INDUSTRIAL CLASSIFICATION: SAVINGS INSTITUTION, FEDERALLY CHARTERED [6035] IRS NUMBER: 351782688 STATE OF INCORPORATION: IN FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: SC 13D/A SEC ACT: 1934 Act SEC FILE NUMBER: 005-40982 FILM NUMBER: 121241054 BUSINESS ADDRESS: STREET 1: 2118 BUNDY AVENUE CITY: NEW CASTLE STATE: IN ZIP: 47263 BUSINESS PHONE: 7655292230 MAIL ADDRESS: STREET 1: 2118 BUNDY AVENUE CITY: NEW CASTLE STATE: IN ZIP: 47263 FILED BY: COMPANY DATA: COMPANY CONFORMED NAME: PL Capital, LLC CENTRAL INDEX KEY: 0001518768 IRS NUMBER: 364050713 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: SC 13D/A BUSINESS ADDRESS: STREET 1: 20 EAST JEFFERSON AVENUE, SUITE 22 CITY: NAPERVILLE STATE: IL ZIP: 60540 BUSINESS PHONE: 630-848-1340 MAIL ADDRESS: STREET 1: 20 EAST JEFFERSON AVENUE, SUITE 22 CITY: NAPERVILLE STATE: IL ZIP: 60540 SC 13D/A 1 cg163.htm cg163.htm
CUSIP No. 023613102

 
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549


SCHEDULE 13D/A
(Amendment No. 2)



Under the Securities Exchange Act of 1934



AMERIANA BANCORP
(Name of Issuer)

Common Stock, par value $1.00 per share
(Title of Class of Securities)


023613102
(CUSIP Number)

Mr. Richard Lashley
PL Capital, LLC
20 E. Jefferson Ave.
Suite 22
Naperville, IL  60540
973-360-1666
(Name, Address and Telephone Number of Person
Authorized to Receive Notices and Communications)

November 30, 2012
(Date of Event which Requires Filing of this Statement)


If the filing person has previously filed a statement on Schedule 13G to report the acquisition which is the subject of this Schedule 13D, and is filing this schedule because of Rule 13d-1(b)(3) or (4), check the following box  o.
 

 
1
 
CUSIP No. 023613102


1
NAME OF REPORTING PERSON
Financial Edge Fund, L.P.
  
2
CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
 
(a)          T
(b)          o
3
SEC USE ONLY
  
4
SOURCE OF FUNDS
WC, OO
  
5
CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e)
o
6
CITIZENSHIP OR PLACE OF ORGANIZATION
Delaware
  
NUMBER OF
SHARES
BENEFICIALLY
OWNED BY
EACH
REPORTING
PERSON
WITH
7
SOLE VOTING POWER
0
  
8
SHARED VOTING POWER
130,836
  
9
SOLE DISPOSITIVE POWER
0
  
10
SHARED DISPOSITIVE POWER
130,836
  
11
AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
130,836
  
12
CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
T
13
PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
4.4%
  
14
TYPE OF REPORTING PERSON
PN
  


 
2
 
CUSIP No. 023613102



1
NAME OF REPORTING PERSON
Financial Edge—Strategic Fund, L.P.
  
2
CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
 
(a)          T
(b)          o
3
SEC USE ONLY
  
4
SOURCE OF FUNDS
WC, OO
  
5
CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e)
o
6
CITIZENSHIP OR PLACE OF ORGANIZATION
Delaware
  
NUMBER OF
SHARES
BENEFICIALLY
OWNED BY
EACH
REPORTING
PERSON
WITH
7
SOLE VOTING POWER
0
  
8
SHARED VOTING POWER
48,261
  
9
SOLE DISPOSITIVE POWER
0
  
10
SHARED DISPOSITIVE POWER
48,261
  
11
AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
48,261
  
12
CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
T
13
PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
1.6%
  
14
TYPE OF REPORTING PERSON
PN
  


 
3
 
CUSIP No. 023613102



1
NAME OF REPORTING PERSON
Goodbody/PL Capital, L.P.
  
2
CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
 
(a)          T
(b)          o
3
SEC USE ONLY
  
4
SOURCE OF FUNDS
WC, OO
  
5
CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e)
o
6
CITIZENSHIP OR PLACE OF ORGANIZATION
Delaware
  
NUMBER OF
SHARES
BENEFICIALLY
OWNED BY
EACH
REPORTING
PERSON
WITH
7
SOLE VOTING POWER
0
  
8
SHARED VOTING POWER
53,453
  
9
SOLE DISPOSITIVE POWER
0
  
10
SHARED DISPOSITIVE POWER
53,453
  
11
AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
53,453
  
12
CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
T
13
PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
1.8%
  
14
TYPE OF REPORTING PERSON
PN
  


 
4
 
CUSIP No. 023613102



1
NAME OF REPORTING PERSON
PL Capital/Focused Fund, L.P.
  
2
CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
 
(a)          T
(b)          o
3
SEC USE ONLY
  
4
SOURCE OF FUNDS
WC, OO
  
5
CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e)
o
6
CITIZENSHIP OR PLACE OF ORGANIZATION
Delaware
  
NUMBER OF
SHARES
BENEFICIALLY
OWNED BY
EACH
REPORTING
PERSON
WITH
7
SOLE VOTING POWER
0
  
8
SHARED VOTING POWER
26,982
  
9
SOLE DISPOSITIVE POWER
0
  
10
SHARED DISPOSITIVE POWER
26,982
  
11
AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
26,982
  
12
CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
T
13
PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
0.9%
  
14
TYPE OF REPORTING PERSON
PN
  


 
5
 
CUSIP No. 023613102



1
NAME OF REPORTING PERSON
PL Capital, LLC
  
2
CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
 
(a)          T
(b)          o
3
SEC USE ONLY
  
4
SOURCE OF FUNDS
AF
  
5
CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e)
o
6
CITIZENSHIP OR PLACE OF ORGANIZATION
Delaware
  
NUMBER OF
SHARES
BENEFICIALLY
OWNED BY
EACH
REPORTING
PERSON
WITH
7
SOLE VOTING POWER
0
  
8
SHARED VOTING POWER
206,079
  
9
SOLE DISPOSITIVE POWER
0
  
10
SHARED DISPOSITIVE POWER
206,079
  
11
AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
206,079
  
12
CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
T
13
PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
6.9%
  
14
TYPE OF REPORTING PERSON
PN
  


 
6
 
CUSIP No. 023613102



1
NAME OF REPORTING PERSON
PL Capital Advisors, LLC
  
2
CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
 
(a)          T
(b)          o
3
SEC USE ONLY
  
4
SOURCE OF FUNDS
AF
  
5
CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e)
o
6
CITIZENSHIP OR PLACE OF ORGANIZATION
Delaware
  
NUMBER OF
SHARES
BENEFICIALLY
OWNED BY
EACH
REPORTING
PERSON
WITH
7
SOLE VOTING POWER
0
  
8
SHARED VOTING POWER
259,532
  
9
SOLE DISPOSITIVE POWER
0
  
10
SHARED DISPOSITIVE POWER
259,532
  
11
AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
259,532
  
12
CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
T
13
PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
8.7%
  
14
TYPE OF REPORTING PERSON
PN
  


 
7
 
CUSIP No. 023613102



1
NAME OF REPORTING PERSON
Goodbody/PL Capital, LLC
  
2
CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
 
(a)          T
(b)          o
3
SEC USE ONLY
  
4
SOURCE OF FUNDS
AF
  
5
CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e)
o
6
CITIZENSHIP OR PLACE OF ORGANIZATION
Delaware
  
NUMBER OF
SHARES
BENEFICIALLY
OWNED BY
EACH
REPORTING
PERSON
WITH
7
SOLE VOTING POWER
0
  
8
SHARED VOTING POWER
53,453
  
9
SOLE DISPOSITIVE POWER
0
  
10
SHARED DISPOSITIVE POWER
53,453
  
11
AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
53,453
  
12
CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
T
13
PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
1.8%
  
14
TYPE OF REPORTING PERSON
PN
  


 
8
 
CUSIP No. 023613102



1
NAME OF REPORTING PERSON
John W. Palmer
  
2
CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
 
(a)          T
(b)          o
3
SEC USE ONLY
  
4
SOURCE OF FUNDS
AF
  
5
CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e)
o
6
CITIZENSHIP OR PLACE OF ORGANIZATION
USA
  
NUMBER OF
SHARES
BENEFICIALLY
OWNED BY
EACH
REPORTING
PERSON
WITH
7
SOLE VOTING POWER
0
  
8
SHARED VOTING POWER
259,532
  
9
SOLE DISPOSITIVE POWER
0
  
10
SHARED DISPOSITIVE POWER
259,532
  
11
AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
259,532
  
12
CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
T
13
PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
8.7%
  
14
TYPE OF REPORTING PERSON
IN
  


 
9
 
CUSIP No. 023613102



1
NAME OF REPORTING PERSON
Richard J. Lashley
  
2
CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP
 
(a)          T
(b)          o
3
SEC USE ONLY
  
4
SOURCE OF FUNDS
AF
  
5
CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED PURSUANT TO ITEMS 2(d) OR 2(e)
o
6
CITIZENSHIP OR PLACE OF ORGANIZATION
USA
  
NUMBER OF
SHARES
BENEFICIALLY
OWNED BY
EACH
REPORTING
PERSON
WITH
7
SOLE VOTING POWER
0
  
8
SHARED VOTING POWER
259,532
  
9
SOLE DISPOSITIVE POWER
0
  
10
SHARED DISPOSITIVE POWER
259,532
  
11
AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
259,532
  
12
CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
T
13
PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
8.7%
  
14
TYPE OF REPORTING PERSON
IN
  


 
10
 
CUSIP No. 023613102


 
Item 1.  
Security and Issuer
 
This Amended Schedule 13D relates to the common stock, $1.00 par value (“Common Stock”), of Ameriana Bancorp (the “Company” or “Ameriana”).  The address of the principal executive offices of the Company is 2118 Bundy Avenue, New Castle, IN  47362-1048.
 
 
Item 2.  
Identity and Background
 
This Amended Schedule 13D is being filed jointly by the parties identified below.  All of the filers of this Amended Schedule 13D are collectively the “PL Capital Group.”  The joint filing agreement of the members of the PL Capital Group is attached as Exhibit 1 to the original Schedule 13D filed on January 4, 2011.
 
●  
Financial Edge Fund, L.P., a Delaware limited partnership (“Financial Edge Fund”)
 
●  
Financial Edge-Strategic Fund, L.P., a Delaware limited partnership (“Financial Edge Strategic”)
 
●  
PL Capital/Focused Fund, L.P., a Delaware limited partnership (“Focused Fund”)
 
●  
PL Capital, LLC, a Delaware limited liability company and General Partner of Financial Edge Fund, Financial Edge Strategic and Focused Fund (“PL Capital”)
 
●  
PL Capital Advisors, LLC, a Delaware limited liability company and investment advisor to Financial Edge Fund, Financial Edge Strategic, Focused Fund and Goodbody/PL Capital, L.P. (“PL Capital Advisors”)
 
●  
Goodbody/PL Capital, L.P., a Delaware limited partnership (“Goodbody/PL LP”)
 
●  
Goodbody/PL Capital, LLC, a Delaware limited liability company and General Partner of Goodbody/PL LP (“Goodbody/PL LLC”)
 
●  
John W. Palmer and Richard J. Lashley, Managing Members of PL Capital, PL Capital Advisors and Goodbody/PL LLC
 
(a)-(c)           This statement is filed by Mr. John Palmer and Mr. Richard Lashley, with respect to the shares of Common Stock beneficially owned by them, as follows:
 
(1)  
shares of Common Stock held in the name of Financial Edge Fund, Financial Edge Strategic and Focused Fund, in Mr.  Palmer’s and Mr. Lashley’s capacity as Managing Members of PL Capital, the General Partner of Financial Edge Fund, Financial Edge Strategic and Focused Fund;
 

 
11
 
CUSIP No. 023613102



 
(2)  
shares of Common Stock held in the name of Financial Edge Fund, Financial Edge Strategic, Focused Fund and Goodbody/PL LP, in Mr. Palmer’s and Mr. Lashley’s capacity as Managing Members of PL Capital Advisors, the investment advisor to Financial Edge Fund, Financial Edge Strategic, Focused Fund and Goodbody/PL LP; and
 
(3)  
shares of Common Stock held in the name of Goodbody/PL LP, in Mr. Palmer’s and Mr. Lashley’s capacity as Managing Members of Goodbody/PL LLC, the General Partner of Goodbody/PL LP.
 
The business address of Financial Edge Fund, Financial Edge Strategic, Focused Fund, PL Capital, PL Capital Advisors, Goodbody/PL LP, Goodbody/PL LLC, Mr. Palmer and Mr. Lashley is:  c/o PL Capital, 20 East Jefferson Avenue, Suite 22, Naperville, Illinois 60540.  Each of Financial Edge Fund, Financial Edge Strategic, Focused Fund, PL Capital, PL Capital Advisors, Goodbody/PL LP and Goodbody/PL LLC are engaged in various interests, including investments.
 
The principal employment of Messrs. Palmer and Lashley is investment management with each of PL Capital, PL Capital Advisors and Goodbody/PL LLC, whose principal business is investments.
 
(d)      During the past five years, no member of the PL Capital Group has been convicted in a criminal proceeding (excluding traffic violations or similar misdemeanors).
 
(e)      During the past five years, no member of the PL Capital Group has been a party to a civil proceeding of a judicial or administrative body of competent jurisdiction and, as a result of such proceeding was or is subject to a judgment, decree or final order enjoining future violations of, or prohibiting or mandating activities subject to, Federal or State securities laws or finding any violation with respect to such laws.
 
(f)      All of the individuals who are members of the PL Capital Group are citizens of the United States.
 
 
Item 3.  
Source and Amount of Funds or Other Consideration
 
In aggregate, the PL Capital Group owns 259,532 shares of Common Stock of the Company acquired at an aggregate cost of $2,342,118.
 
The amount of funds expended by Financial Edge Fund to acquire the 130,836 shares of Common Stock it holds in its name is $1,156,891.  Such funds were provided from Financial Edge Fund’s available capital and from time to time from margin loans provided by BNP Paribas Prime Brokerage, Inc. (“BNP Paribas”).
 

 
12
 
CUSIP No. 023613102



 
The amount of funds expended by Financial Edge Strategic to acquire the 48,261 shares of Common Stock it holds in its name is $471,262.  Such funds were provided from Financial Edge Strategic’s available capital and from time to time from margin loans provided by BNP Paribas.
 
The amount of funds expended by Goodbody/PL LP to acquire the 53,453 shares of Common Stock it holds in its name is $572,829.  Such funds were provided from Goodbody/PL LP’s available capital and from time to time from margin loans provided by BNP Paribas.
 
The amount of funds expended by Focused Fund to acquire the 26,982 shares of Common Stock it holds in its name is $141,136.  Such funds were provided from Focused Fund’s available capital and from time to time from margin loans provided by BNP Paribas.
 
Any purchases of Common Stock made by members of the PL Capital Group using funds borrowed from BNP Paribas, if any, were made in margin transactions on that firm’s usual terms and conditions.  All or part of the shares of Common Stock owned by members of the PL Capital Group may from time to time be pledged with one or more banking institutions or brokerage firms as collateral for loans made by such entities to members of the PL Capital Group.  Such loans, if any, generally bear interest at a rate based upon the federal funds rate plus a margin.  Such indebtedness, if any, may be refinanced with other banks or broker-dealers.  As of the date of this filing no member of the PL Capital Group has margin or other loans outstanding secured by Common Stock except Focused Fund.
 
 
Item 4.  
Purpose of Transaction
 
This is the PL Capital Group’s second amendment to its Schedule 13D filing.  The PL Capital Group owns 8.7% of the Company’s Common Stock, based upon the Company’s aggregate outstanding common shares as of November 8, 2012.  PL Capital Group’s intent is to monitor the performance of the Company and assert PL Capital Group’s stockholder rights.
 
The PL Capital Group acquired shares of Common Stock because it believes that the Common Stock is undervalued.  On November 30, 2012, the Common Stock traded at $7.25, which is approximately 62% of the Company’s most recently reported tangible book value as of September 30, 2012.
 
The PL Capital Group plans to have discussions with management of Ameriana about, among other things, how they plan to:  (1) reduce non-performing assets and minimize the negative impact of credit losses, (2) reduce overhead expenses, (3) manage the capital structure of the holding company and the bank, including the $10 million of trust preferred securities issued by the Company, and (4) maximize the value of the Common Stock, including consideration of a business combination.
 
Members of the PL Capital Group may make further purchases of shares of Common Stock.  Members of the PL Capital Group may dispose of any or all the shares of Common Stock held by them.
 

 
13
 
CUSIP No. 023613102



 
To the extent the actions described herein may be deemed to constitute influencing, or seeking to influence, the control of the Company for purposes of the Securities Exchange Act of 1934, as amended, and the regulations thereunder, the PL Capital Group has such a purpose.  Except as noted in this Amended Schedule 13D, no member of the PL Capital Group has any plans or proposals, which relate to, or would result in, any change in control of the Company or any of the matters referred to in paragraphs (b) through (j), inclusive of Item (4) of Schedule 13D.  Such individuals may, at any time and from time to time, review or reconsider their positions and formulate plans or proposals with respect thereto.
 
 
Item 5.  
Interest in Securities of the Company
 
The percentages used in this Amended Schedule 13D are calculated based upon 2,988,952 outstanding shares of Common Stock.  This is the number of shares of Common Stock that the Company reported as outstanding as of November 8, 2012 in its most recent Quarterly Report on Form 10-Q, which was filed with the Securities and Exchange Commission on November 8, 2012.  The PL Capital Group’s transactions in the Common Stock within the past 60 days of the date of this filing (November 30, 2012) are as follows:
 
(A) Financial Edge Fund
 
(a)-(b)           See cover page.
 
(c)      Financial Edge Fund made the following purchases (and no sales) of Common Stock within the past 60 days of the date of this filing:
 
Date
Number of Shares Purchased
Price Per Share
Total Cost
11/2/2012
3,800
$6.98
$26,538
11/28/2012
13,008
$7.22
$93,825
11/30/2012
21,821
$7.25
$159,085

(d)      Because Mr. Palmer and Mr. Lashley are the Managing Members of PL Capital, the general partner of Financial Edge Fund, they have the power to direct the affairs of Financial Edge Fund, including the voting and disposition of shares of Common Stock held in the name of Financial Edge Fund.  Therefore, Mr. Palmer and Mr. Lashley are deemed to share voting and dispositive power with Financial Edge Fund with regard to those shares of Common Stock.
 

 
14
 
CUSIP No. 023613102



 
(B) Financial Edge Strategic
 
(a)-(b)           See cover page.
 
(c)      Financial Edge Strategic made the following purchase (and no sales) of Common Stock within the past 60 days of the date of this filing:
 
Date
Number of Shares Purchased
Price Per Share
Total Cost
11/30/2012
10,000
$7.25
$72,910

(d)      Because Mr. Palmer and Mr. Lashley are the Managing Members of PL Capital, the general partner of Financial Edge Strategic, they have the power to direct the affairs of Financial Edge Strategic, including the voting and disposition of shares of Common Stock held in the name of Financial Edge Strategic.  Therefore, Mr. Palmer and Mr. Lashley are deemed to share voting and dispositive power with Financial Edge Strategic with regard to those shares of Common Stock.
 
(C) Goodbody/PL LP
 
(a)-(b)           See cover page.
 
(c)      Goodbody/PL LP made the following purchases (and no sales) of Common Stock within the past 60 days of the date of this filing:
 
Date
Number of Shares Purchased
Price Per Share
Total Cost
11/20/2012
11/30/2012
1,000
5,000
$6.70
$7.25
$6,700
$36,460
 
(d)      Goodbody/PL LLC is the general partner of Goodbody/PL LP.  Because Mr. Palmer and Mr. Lashley are the Managing Members of Goodbody/PL LLC, they have the power to direct the affairs of Goodbody/PL LP.  Therefore, Goodbody/PL LLC may be deemed to share with Messrs. Palmer and Lashley voting and dispositive power with regard to the shares of Common Stock held by Goodbody/PL LP.
 
(D) Focused Fund
 
(a)-(b)           See cover page.
 
(c)      Focused Fund made no purchases or sales of Common Stock within the past 60 days of the date of this filing.
 

 
15
 
CUSIP No. 023613102



 
 
(d)      PL Capital is the general partner of Focused Fund.  Because Mr. Palmer and Mr. Lashley are the Managing Members of PL Capital, they have the power to direct the affairs of PL Capital.  Therefore, PL Capital may be deemed to share with Messrs. Palmer and Lashley voting and dispositive power with regard to the shares of Common Stock held by PL Capital.
 
(E) PL Capital
 
(a)-(b)           See cover page.
 
(c)      PL Capital has made no purchases or sales of Common Stock directly.
 
(d)      PL Capital is the general partner of Financial Edge Fund, Financial Edge Strategic and Focused Fund.  Because Mr. Palmer and Mr. Lashley are the Managing Members of PL Capital, they have the power to direct the affairs of PL Capital.  Therefore, PL Capital may be deemed to share with Mr. Palmer and Mr. Lashley voting and dispositive power with regard to the shares of Common Stock held by Financial Edge Fund, Financial Edge Strategic and Focused Fund.
 
(F) PL Capital Advisors
 
(a)-(b)           See cover page.
 
(c)      PL Capital Advisors has made no purchases or sales of Common Stock directly.
 
(d)      PL Capital Advisors is the investment advisor to Financial Edge Fund, Financial Edge Strategic, Goodbody/PL LP and Focused Fund.  Because Mr. Palmer and Mr. Lashley are the Managing Members of PL Capital Advisors, they have the power to direct the affairs of PL Capital Advisors.  Therefore, PL Capital Advisors may be deemed to share with Mr. Palmer and Mr. Lashley voting and dispositive power with regard to the shares of Common Stock held by Financial Edge Fund, Financial Edge Strategic, Goodbody/PL LP, and Focused Fund.
 
(G) Goodbody/PL LLC
 
(a)-(b)           See cover page.
 
(c)      Goodbody/PL LLC has made no purchases or sales of Common Stock directly.
 
(d)      Goodbody/PL LLC is the general partner of Goodbody/PL LP.  Because Mr. Palmer and Mr. Lashley are the Managing Members of Goodbody/PL LLC, they have the power to direct the affairs of Goodbody/PL LLC.  Therefore, Goodbody/PL LLC may be deemed to share with Messrs. Palmer and Lashley voting and dispositive power with regard to the shares of Common Stock held by Goodbody/PL LP.
 

 
16
 
CUSIP No. 023613102



 
(H) Mr. John W. Palmer
 
(a)-(b)           See cover page.
 
(c)      Mr. Palmer made no purchases or sales of Common Stock within the past 60 days of the date of this filing.
 
(I) Mr. Richard J. Lashley
 
(a)-(b)           See cover page.
 
(c)      Mr. Lashley made no purchases or sales of Common Stock within the past 60 days of the date of this filing.
 

 
17
 
CUSIP No. 023613102


 
Item 6.  
Contracts, Arrangements, Understandings or Relationships with Respect to Securities of the Company
 
With respect to Financial Edge Fund, Financial Edge Strategic and Focused Fund:  PL Capital and/or PL Capital Advisors are entitled to (1) an allocation of a portion of profits, if any, and (2) a management fee based upon a percentage of total capital.  With respect to Goodbody/PL LP:  Goodbody/PL LLC and/or PL Capital Advisors are entitled to (1) an allocation of a portion of profits, if any, and (2) a management fee based upon a percentage of total capital.
 
Other than the foregoing agreements and the Joint Filing Agreement filed as Exhibit 1 to the initial Schedule 13D filing (filed on January 4, 2011), there are no contracts, arrangements, understandings or relationships among the persons named in Item 2 hereof and between such persons and any person with respect to any securities of the Company.
 
 
Item 7.  
Material to be Filed as Exhibits
 
Exhibit No.
Description
   
 1  Joint Filing Agreement*
 
 
 
* Previously filed.
   

 
18
 
CUSIP No. 023613102


 
SIGNATURES
 
After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.
 
Date:           December 1, 2012


FINANCIAL EDGE FUND, L.P.
 
 
By:           PL CAPITAL, LLC
General Partner
 
By:           /s/ John Palmer                           /s/ Richard Lashley
John Palmer                                 Richard Lashley
        Managing Member                    Managing Member
 
FINANCIAL EDGE-STRATEGIC FUND, L.P.
 
 
By:           PL CAPITAL, LLC
General Partner
 
 
By:           /s/ John Palmer                           /s/ Richard Lashley
John Palmer                                 Richard Lashley
Managing Member                     Managing Member
 
PL CAPITAL/FOCUSED FUND, L.P.
 
 
By:           PL CAPITAL, LLC
General Partner
 
 
By:           /s/ John Palmer                           /s/ Richard Lashley
John Palmer                                 Richard Lashley
Managing Member                    Managing Member
 


 
19
 
CUSIP No. 023613102



GOODBODY/PL CAPITAL, L.P.
 
 
By:           GOODBODY/PL CAPITAL, LLC
General Partner
 
 
By:           /s/ John Palmer                           /s/ Richard Lashley
John Palmer                                 Richard Lashley
       Managing Member                     Managing Member
 
GOODBODY/PL CAPITAL, LLC
 
 
By:           /s/ John Palmer                           /s/ Richard Lashley
John Palmer                                 Richard Lashley
Managing Member                     Managing Member
 
PL CAPITAL, LLC
 
 
By:           /s/ John Palmer                           /s/ Richard Lashley
John Palmer                                 Richard Lashley
       Managing Member                     Managing Member
 
PL CAPITAL ADVISORS, LLC
 
 
By:           /s/ John Palmer                           /s/ Richard Lashley
John Palmer                                 Richard Lashley
Managing Member                    Managing Member
 

 
By:           /s/ John Palmer
         John W. Palmer
 
 
By:           /s/ Richard Lashley
         Richard J. Lashley
 

20
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