FRB: H.2--Actions under delegated authority--Week ending November 5, 2005

Capital City Bank, Tallahassee, Florida -- to establish a branch at 1601 Bass Road, Macon, Georgia.
-Approved, November 2, 2005

The Citizens Bank, Batesville, Arkansas -- to establish a branch at 511 Sylamore Avenue, Mountain View.
-Approved, October 31, 2005

Community Banks of Colorado, Greenwood Village, Colorado -- to establish a branch at 409 East Main Street, Buena Vista.
-Approved, October 31, 2005

Community First Bank, Corydon, Indiana -- to establish a branch at 316 West Tipton Street, Seymour.
-Approved, November 1, 2005

Community First Bank-Chicago, Chicago, Illinois, a de novo bank -- to establish a mobile bank courier service to operate within a 35-mile radius of the bank's main office.
-Approved, November 3, 2005

Compass Bank, Birmingham, Alabama -- to establish branches at 2875 East Gulf to Lake Highway, Inverness, Florida; the intersection of San Jose Boulevard (S.R. 13) and Race Track Road, Jacksonville; and 3620 Southeast Maricamp Road, Ocala.
-Approved, November 4, 2005

Compass Bank, Birmingham, Alabama -- to establish a branch at 5115 East Baseline Road, Gilbert, Arizona.
-Approved, November 4, 2005

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 7701 Forsyth Boulevard, St. Louis, Missouri.
-Approved, November 1, 2005

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 4110 Richardson Road, Independence, Kentucky.
-Approved, November 1, 2005

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 19025 Newburgh Road, Livonia.
-Approved, November 4, 2005

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 225 Aptakisic Road, Lincolnshire, Illinois.
-Approved, November 4, 2005

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 366 South Kirkwood Road, Kirkwood, Missouri.
-Approved, November 1, 2005

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 1383 South Rochester Road, Rochester Hills.
-Approved, November 4, 2005

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 7041 Schaefer Road, Dearborn.
-Approved, November 4, 2005

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2315 South Center Road, Burton.
-Approved, November 4, 2005

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 700 South Ballenger Highway, Flint.
-Approved, November 4, 2005

First Charter Bank, Charlotte, North Carolina -- to establish a branch at 7541 Creedmoor Road, Raleigh.
-Approved, November 2, 2005

First Charter Bank, Charlotte, North Carolina -- to establish a branch at 1145 Highway 70 West, Garner.
-Approved, November 2, 2005

First Charter Bank, Charlotte, North Carolina -- to establish a branch at 7210 Tryon Road, Cary.
-Approved, November 2, 2005

IBERIABANK, Lafayette, Louisiana -- to establish branches at Coursey Boulevard and Jones Creek Road, Baton Rouge; Highland Road and Kenilworth Parkway; Airline Highway and Highway 42, Prairieville; Interstate 10 and Highway 73; and 5900 Mounes, Metairie.
-Approved, November 3, 2005

IBERIABANK, Lafayette, Louisiana -- to establish a branch at Belle Terre Boulevard, LaPlace.
-Approved, November 3, 2005

IBERIABANK, Lafayette, Louisiana -- to establish branches at Highway 21, Covington; and 2050 Gause Boulevard East, Slidell.
-Approved, November 4, 2005

New Peoples Bank, Inc., Honaker, Virginia -- to establish a branch at 11421 Indian Creek Road, Pound.
-Withdrawn, October 31, 2005

Regions Bank, Birmingham, Alabama -- to establish a branch at 6503 North Point Parkway, Alpharetta, Georgia.
-Approved, November 4, 2005

Security State Bank, New Hampton, Iowa -- to establish a branch at 610 Gilbert Street, Charles City.
-Approved, November 4, 2005

Southwest Bank of St. Louis, St. Louis, Missouri -- to establish a branch at Highway K and Laura Hill Road, O'Fallon.
-Approved, November 1, 2005

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 3000 Galloway Ridge, Suite 112, Pittsboro, North Carolina.
-Approved, November 1, 2005

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 5901 Harbour View Boulevard, Suffolk City, Virginia.
-Approved, November 1, 2005

Tradition Bank, Houston, Texas -- to establish a branch at 3205 College Park Drive, The Woodlands.
-Approved, November 2, 2005

Bank Holding Companies

Border Bancshares, Inc., Greenbush, Minnesota -- relief from a commitment.
-Withdrawn, November 2, 2005

Clayton Bancorp, Inc., Henderson, Tennessee -- to merge with Bancshares of Camden, Inc., Camden, and thereby acquire Bank of Camden.
-Withdrawn, November 3, 2005

Fidelity Holding Company, Minnetonka, Minnesota -- to become a bank holding company and to acquire Fidelity Bank, Edina.
-Approved, November 3, 2005

First Americano Financial Corporation, Elizabeth, New Jersey -- to become a bank holding company and to acquire First BankAmericano; and election to become a financial holding company.
-Approved, November 4, 2005

Flag Financial Corporation, Atlanta, Georgia -- to merge with First Capital Bancorp, Inc., Norcross, and thereby acquire First Capital Bank.
-Approved, November 3, 2005

Fortune Financial Corporation, Arnold, Missouri -- to become a bank holding company and to acquire FortuneBank, a de novo bank.
-Approved, November 3, 2005

Henderson Texas Bancshares, Inc., Henderson, Texas, and TBH Nevada Corporation, Carson City, Nevada -- to become bank holding companies and to acquire Texas Bank, Henderson.
-Approved, November 4, 2005

SBT Bancorp, Inc., Simsbury, Connecticut -- to become a bank holding company and to acquire The Simsbury Bank & Trust Company, Inc.
-Approved, November 4, 2005

Wallis Bancshares, Inc., Wallis, Texas, and Wallis Delaware Corporation, Wilmington, Delaware -- to become bank holding companies and to acquire Wallis State Bank.
-Approved, November 2, 2005

Banks, Foreign

Lloyds TSB Offshore Limited, St. Helier, Jersey -- to establish a representative office in Miami, Florida.
-Approved, November 1, 2005

Change In Bank Control

B.O.E. Bancshares, Inc., Lawton, Oklahoma -- change in bank control.
-Permitted, October 31, 2005

General Bancshares, Inc., Jasper, Tennessee -- change in bank control.
-Permitted, November 2, 2005

Competitive Factors Reports

Alpine Bank, Glenwood Springs, Colorado -- report on competitive factors of the proposed merger with First National Bank, Telluride.
-Submitted, November 1, 2005

American Banking Company, Moultrie, Georgia -- report on competitive factors of the proposed merger with Merchants and Farmers Bank, Donalsonville; Citizens Security Bank, Tifton; Heritage Community Bank, Quitman; Central Bank & Trust, Cordele; First National Bank of South Georgia, Albany; and Southland Bank, Dothan, Alabama.
-Submitted, November 1, 2005

The First National Bank of Menahga, Menahga, Minnesota -- report on competitive factors of the proposed merger with Security State Bank of Sebeka, Sebeka.
-Submitted, November 4, 2005

Landmark National Bank, Manhattan, Kansas -- report on competitive factors of the proposed merger with First Savings Bank, F.S.B.
-Submitted, November 1, 2005

THE National Bank, Edina, Minnesota -- report on competitive factors of the proposed merger with THE National Bank, Bettendorf, Iowa.
-Submitted, November 4, 2005

Timberwood Bank, Wabeno, Wisconsin -- report on competitive factors of the proposed merger with Timberwood, Ltd.
-Submitted, November 3, 2005

Extensions Of Time

Davis Bancorporation, Inc., Davis, Oklahoma -- extension to February 3, 2006, to acquire shares of Century Capital Financial, Inc., Kilgore, Texas, and its subsidiaries, Century Capital Financial-Delaware, Inc., Wilmington, Delaware, and City National Bank, Kilgore.
-Granted, November 2, 2005

East-West Bank, San Marino, California -- extension to December 29, 2006, to establish a branch at 23737 Hawthorne Boulevard, Torrance.
-Granted, November 2, 2005

The Farmers State Bank of Fort Morgan Colorado Employee Stock Ownership Plan, Fort Morgan, Colorado -- extension to May 18, 2006, to acquire up to 38 percent of the shares of FSB Bancorporation of Fort Morgan, Colorado, parent of Farmers State Bank of Fort Morgan.
-Granted, November 2, 2005

First Centralia Bancshares, Inc., Centralia, Kansas -- extension to February 3, 2006, to acquire, directly and indirectly, shares of Century Capital Financial, Inc., Kilgore, Texas, and its subsidiaries, Century Capital Financial-Delaware, Inc., Wilmington, Delaware, and City National Bank, Kilgore.
-Granted, November 2, 2005

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to February 5, 2006, to establish a branch at Power and McDowell Roads, Mesa, Arizona.
-Granted, November 1, 2005

Mercantile Bancorp, Inc., Quincy, Illinois -- extension to January 18, 2006, to increase its ownership from 32.81 percent to 39.95 percent of the shares of New Frontier Bancshares, Inc., St. Charles, Missouri, and thereby increase its indirect control of New Frontier Bank.
-Granted, November 2, 2005

Morrill Bancshares, Inc., Merriam, Kansas -- extension to February 3, 2006, to acquire, directly and indirectly, shares of Century Capital Financial, Inc., Kilgore, Texas, and its subsidiaries, Century Capital Financial-Delaware, Inc., Wilmington, Delaware; and City National Bank, Kilgore.
-Granted, November 2, 2005

Southwest Bank of St. Louis, St. Louis, Missouri -- extension to February 5, 2006, to establish a branch at Clarkson and Clayton Roads, Ellisville.
-Granted, November 1, 2005

Regulations And Policies

Short-term Interest Rates -- increase in the target for the federal funds rate from 3-3/4 percent to 4 percent.
-Approved, November 1, 2005

Actions under delegated authority

Actions taken during the week ending November 5, 2005