Actions under delegated authority

AmSouth Bank, Birmingham, Alabama  -- to establish branches at 1230 West McCulloch Road, Oviedo, Florida; 11 Alafaya Woods Boulevard, Orlando; 4845 New Broad Street; 12301 South Orange Blossom Trail; 3710 Southwest 38th Street, Gainesville; 4100 Northwest 16th Boulevard; 124 South Florida Avenue, Lakeland; 3055 Ruen Drive, Palm Harbor; 11 North Indiana Avenue, Englewood; 2385 Parr Drive, The Villages; and 10010 Eastern Shore Boulevard, Spanish Fort, Alabama.
-Approved, November 22, 2005 

Bank Independent, Sheffield, Alabama  -- to establish a branch at 304 East Dr. Hicks Boulevard, Florence.
-Approved, November 25, 2005 

Bank of Smithtown, Smithtown, New York  -- to establish a branch at 1830 Route 112, Coram.
-Approved, November 22, 2005 

EagleBank, Bethesda, Maryland  -- to establish a branch at 15 Wisconsin Circle, Chevy Chase.
-Approved, November 25, 2005 

Fifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 920 West State Street, Hastings.
-Approved, November 23, 2005 

SunTrust Bank, Atlanta, Georgia  -- to establish a branch at 121 Rolling Hill Road, Suite 225, Mooresville, North Carolina.
-Approved, November 25, 2005 

Waccamaw Bank, Whiteville, North Carolina  -- to establish a branch at 306 South Poplar Street, Elizabethtown.
-Approved, November 21, 2005 

BancFirst Corporation, Oklahoma City, Oklahoma  -- to acquire Park State Bank, Nicoma Park.
-Approved, November 25, 2005 

The Bancorp, Inc., Wilmington, Delaware  -- relief from certain commitments.
-Granted, November 22, 2005 

Farmers Capital Bank Corporation, Frankfort, Kentucky  -- to acquire Citizens Bancorp, Inc., Newport, and thereby acquire Citizens Bank of Northern Kentucky; for Citizens Acquisition Subsidiary Corp., Frankfort, to become a bank holding company and merge with Citizens Bancorp, Inc.; and for Citizens Acquisition Subsidiary Corp. to acquire Citizens Financial Services, Inc., Newport, and thereby engage in activities relating to securities brokerage and financial planning services.
-Approved, November 21, 2005 

First National Financial Corporation, McGehee, Arkansas  -- to become a bank holding company and to acquire The First National Bank of McGehee.
-Approved, November 25, 2005 

Flag Financial Corporation, Atlanta, Georgia  -- to acquire Capital Financial Software, LLC, Norcross, and thereby engage in data processing in related services.
-Approved, November 21, 2005 

Huntington Bancshares Incorporated, Columbus, Ohio  -- commenter's request to extend the comment period on the application to acquire Unizan Financial Corp., Canton.
-Denied, November 22, 2005 

Magyar Bancorp, MHC, New Brunswick, New Jersey, and Magyar Bancorp, Inc.  -- to become a mutual bank holding company and a bank holding company, respectively, and to acquire Magyar Bank.
-Approved, November 21, 2005 

Newnan Coweta Bancshares, Inc., Newnan, Georgia  -- relief from a commitment.
-Granted, November 22, 2005 

Plymouth Bancorp, Inc., Kirkwood, Missouri  -- to become a bank holding company and to acquire Community State Bank of Plymouth, Plymouth, Illinois.
-Approved, November 23, 2005 

Porter Bancorp, Inc, Shepherdsville, Kentucky  -- to increase its ownership to 100 percent of the shares of BBA, Inc. and thereby acquire Bullitt County Bank.
-Approved, November 23, 2005 

Security Bank Corporation, Macon, Georgia  -- to merge with Rivoli BanCorp, Inc., and thereby acquire Rivoli Bank & Trust Company.
-Approved, November 22, 2005 

South Plains Financial, Inc. Employee Stock Ownership Plan, Lubbock, Texas  -- to become a bank holding company and to acquire 25.86 percent of the shares of South Plains Financial, Inc. and indirectly acquire South Plains Delaware Financial Corporation, Dover, Delaware; City Bank, Lubbock; Zia Financial Corporation, Ruidoso, New Mexico; and City Bank New Mexico.
-Approved, November 23, 2005 

TraCorp, Inc., Tullahoma, Tennessee  -- to merge with F N Bancorp, Inc., and thereby acquire First National Bank of Tullahoma.
-Withdrawn, November 21, 2005 

First Midwest Bank, Itasca, Illinois  -- to purchase the assets and assume the liabilities of the Carpentersville branch of Elgin State Bank, Elgin, and thereby establish a branch at 2250 Randall Road, Carpentersville.
-Approved, November 21, 2005 

Planters Bank & Trust Company of Virginia, Staunton, Virginia  -- to acquire certain assets and assume certain liabilities of the Woodstock and Harrisonburg branches of Second Bank & Trust, Culpeper.
-Approved, November 23, 2005 

Banco Votorantim, Sao Paulo, Brazil  -- to establish a representative office in the state of New York.
-Withdrawn, November 22, 2005 

Financial Enterprises, Inc., Clinton, Missouri  -- to retain control of Financial Enterprises, Inc., parent of First National Bank of Clinton.
-Permitted, November 25, 2005 

GrandSouth Bancorporation, Greenville, South Carolina  -- change in bank control.
-Permitted, November 23, 2005 

New Mexico Banquest Corporation, Santa Fe, New Mexico  -- change in bank control.
-Permitted, November 22, 2005 

First National Bank and Trust Company, Asheboro, North Carolina  -- report on competitive factors of the proposed merger with Alamance Bank, Graham.
-Submitted, November 23, 2005 

The Frost National Bank, San Antonio, Texas  -- report on competitive factors of the proposed merger with Texas Community Bank & Trust, N.A., Dallas.
-Submitted, November 18, 2005  (AC)

Magyar Bank, New Brunswick, New Jersey  -- report on competitive factors of the proposed merger with Magyar Interim Bank II in connection with the reorganization from a mutual savings bank structure to a mutual holding company structure.
-Submitted, November 21, 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 22, 2005 

The Traders National Bank, Tullahoma, Tennessee  -- report on competitive factors of the proposed merger with First National Bank of Tullahoma.
-Submitted, November 22, 2005 

Arvest Bank, Fayetteville, Arkansas  -- extension to December 6, 2005, to establish a branch at 218 West Henry De Tonti Boulevard, Tontitown.
-Granted, November 22, 2005 

Bearden Bancshares, Inc., Bearden, Arkansas  -- extension to January 21, 2006, to engage indirectly in general insurance agency activities in a town with a population of less than 5,000 through the acquisition of BBI Insurance Agency, Inc.
-Granted, November 22, 2005 

Florence Bancorp, MHC, Florence, Massachusetts  -- extension to January 10, 2006, to become a bank holding company and to acquire Florence Savings Bank.
-Granted, November 23, 2005 

Mercantile Bancorp, Inc., Quincy, Illinois  -- extension to February 21, 2006, to increase its ownership from 13.75 percent to 21 percent of the shares of NorthStar Bancshares, Inc., Kansas City, Missouri, and thereby increase its indirect control of NorthStar Bank, National Association.
-Granted, November 22, 2005 

The Peoples Bank and Trust Company, Selma, Alabama  -- extension to December 15, 2006, to establish a branch at 31 Morrow Commercial Park, Northport.
-Granted, November 22, 2005 

The First National Bank of Newman Grove, Newman Grove, Nebraska  -- to become a member of the Federal Reserve System on conversion from a national to a state charter.
-Approved, November 22, 2005 

Federal Open Market Committee  -- minutes of the meeting on November 1, 2005.
-Published, November 22, 2005