FRB: H.2--Actions under delegated authority--Week ending November 19, 2005

Bank2, Oklahoma City, Oklahoma -- to establish a branch at 1701 South Morgan Road, Oklahoma City.
-Approved, November 16, 2005

Comerica Bank, Detroit, Michigan -- to establish branches at 6812 Katella Avenue, Cypress, California; 318A Diablo Road, Suite 100, Danville; and 6301 Wilshire Boulevard, Los Angeles.
-Approved, November 14, 2005

Comerica Bank, Detroit, Michigan -- to establish branches at 1825 South Val Vista Drive, Mesa, Arizona; and 14801 North Scottsdale Road, Scottsdale.
-Approved, November 17, 2005

First Bank, Burkburnett, Texas -- to establish a branch at 1418 10th Street, Wichita Falls.
-Approved, November 16, 2005

First PREMIER Bank, Sioux Falls, South Dakota -- to establish a branch at 6010 South Minnesota Avenue.
-Approved, November 16, 2005

Johnson Bank, Racine, Wisconsin -- to establish a branch at 222 West College Avenue, Appleton.
-Approved, November 17, 2005

Rocky Mountain Bank, Rock Springs, Wyoming -- to establish a branch at 4050 West Lake Creek Drive, Wilson.
-Approved, November 17, 2005

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 741 Duval Station Road, Jacksonville, Florida.
-Approved, November 17, 2005

United Community Bank of Lisle, Lisle, Illinois -- to establish a branch at 5450 Subiaco Drive.
-Approved, November 17, 2005

Bank Holding Companies

Chestatee Bancshares, Inc., Dawsonville, Georgia -- to engage in certain securities brokerage and insurance activities through its subsidiary, Chestatee Financial Services, Inc.
-Approved, November 17, 2005

Citizens Development Company, Billings, Montana -- to merge with United Bancorporation and thereby indirectly acquire Lincoln County Bank, Merrill, Wisconsin; United Bank, Osseo; Bank of Poynette, Poynette, and Cambridge State Bank, Cambridge.
-Withdrawn, November 17, 2005

Citizens Development Company, Billings, Montana -- to merge with Midwest Bancorporation and thereby acquire Clarke County State Bank, Osceola, Iowa; Farmers and Merchants State Bank, Iroquois, South Dakota; and Farmers State Bank, Stickney.
-Withdrawn, November 17, 2005

First Financial Bancshares, Inc., Lawrence, Kansas -- to become a bank holding company and to acquire The Lawrence Bank.
-Approved, November 17, 2005

Flint Community Bancshares, Inc., Albany, Georgia -- to become a bank holding company and to acquire Flint Community Bank, a de novo bank.
-Approved, November 18, 2005

Howard Bancorp, Inc., Ellicott City, Maryland -- to become a bank holding company and to acquire Howard Bank,
-Approved, November 15, 2005

LubCo BancShares, Inc., Slaton, Texas -- to acquire 17 percent of the shares of Wilson Bancshares, Inc., Wilson, and indirectly acquire Wilson State Bank.
-Returned, November 17, 2005

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to acquire through its subsidiary, Metavante Corporation, Link2Gov Corp., Nashville, Tennessee, and thereby engage in data processing activities.
-Approved, November 15, 2005

Nebraska Bankshares, Inc., Farnam, Nebraska -- to acquire up to 100 percent of the shares of First State Bank (also known as Holbrook Exchange Company), Holbrook, a de novo bank.
-Approved, November 16, 2005

New Waggoner, Inc., Vernon, Texas -- to become a bank holding company and to acquire Waggoner National Bancshares, Inc., and indirectly acquire Vernon Bancshares, Inc., Wilmington, Delaware, and Waggoner National Bank, Vernon.
-Approved, November 18, 2005

Palos Bancshares, Inc., Palos Heights, Illinois -- to retain the nonbanking activity of extending credit and servicing loans.
-Approved, November 16, 2005

RelianzBancshares Inc., Wichita, Kansas -- to become a bank holding company and to acquire RelianzBank, a de novo bank.
-Approved, November 14, 2005

SBT Bancorp, Inc., Clarkesville, Georgia -- to become a bank holding company and to acquire Southern Bank & Trust, a de novo bank.
-Approved, November 18, 2005

Bank Mergers

Falls Bank, Stow, Ohio -- to become a member of the Federal Reserve System and to merge with Sky Bank, Salineville, and be known as Sky Bank.
-Approved, November 18, 2005

First Tier Bank & Trust, Olean, New York -- to merge with Bath National Bank, Bath; National Bank of Geneva, Geneva; and Wyoming County Bank, Warsaw.
-Approved, November 14, 2005

Millennium Bankshares Corporation, Reston, Virginia -- to acquire Albemarle First Bank, Charlottesville, and for MB Interim Bank to merge with Albemarle First Bank and become a member of the Federal Reserve System.
-Approved, November 16, 2005

SolutionsBank, Overland Park, Kansas -- to merge with Citizens Home Bank, Greenfield, Missouri, and establish branches at existing locations and at 127 West 10th Street, Kansas City, Missouri.
-Approved, November 14, 2005

Change In Bank Control

Bosque Bancshares, Inc., Cranfills Gap, Texas -- change in bank control.
-Permitted, November 16, 2005

Competitive Factors Reports

Bank of Talmage, Talmage, Nebraska -- report on competitive factors of the proposed merger with Randolph State Bank, Randolph, Iowa.
-Submitted, November 15, 2005

First Merchants Bank, National Association, Muncie, Indiana -- report on competitive factors of the proposed merger with First United Bank, National Association, Middletown.
-Submitted, November 15, 2005

First State Bank, Danville, Virginia -- report on competitive factors of the proposed merger with Imperial Savings and Loan Association, Martinsville.
-Submitted, November 18, 2005

Harris National Association, Chicago, Illinois -- report on competitive factors of the proposed merger with Villa Park Trust & Savings Bank, Villa Park.
-Submitted, November 15, 2005

Patriot Bank, Houston, Texas -- report on competitive factors of the proposed interim merger with Patriot Merger Sub, Inc.
-Submitted, November 16, 2005

The Peoples Community Bank, Mazomanie, Wisconsin -- report on competitive factors of the proposed merger with Iron Horse Investments, Inc.
-Submitted, November 15, 2005

The Peoples National Bank of LaFollette, LaFollette, Tennessee -- report on competitive factors of the proposed merger with Peoples National of LaFollette Financial Corporation.
-Submitted, November 16, 2005

Pinnacle National Bank, Nashville, Tennessee -- report on competitive factors of the proposed merger with Cavalry Banking, Murfreesboro.
-Submitted, November 17, 2005

The Simsbury Bank and Trust Company, Inc., Simsbury, Connecticut -- report on competitive factors of the proposed merger with SBT Interim Bank.
-Submitted, November 16, 2005

State Bank of Seaton, Seaton, Illinois -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of the Sterling branch of Valley Bank, Moline.
-Submitted, November 15, 2005

UnitedOne Credit Union, Manitowoc, Wisconsin -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of the Two Rivers branch of North Shore Bank, F.S.B., Brookfield.
-Submitted, November 17, 2005

Membership

Bank of Fayetteville, National Association, Fayetteville, Arkansas -- to become a member of the Federal Reserve System on conversion from a national to a state charter.
-Approved, November 14, 2005

First Vision Bank of Tennessee Tullahoma, Tennessee -- to become a member of the Federal Reserve System.
-Approved, November 18, 2005

Actions under delegated authority

Actions taken during the week ending November 19, 2005

Bank Branches, Domestic

Bank Holding Companies

Bank Mergers

Change In Bank Control

Competitive Factors Reports

Membership