FRB: H.2--Actions under delegated authority--Week ending December 3, 2005

Bank of Commerce, Chelsea, Oklahoma -- to establish a branch at 6655 South Lewis Avenue, Suite 150, Tulsa.
-Approved, November 29, 2005

Big Sky Western Bank, Gallatin Gateway, Montana -- to establish a branch at 300 Jackrabbit Lane, Belgrade.
-Approved, November 30, 2005

Big Sky Western Bank, Gallatin Gateway, Montana -- to establish a branch at 55 Lone Peak Drive, Big Sky.
-Approved, November 30, 2005

Compass Bank, Birmingham, Alabama -- to establish branches at 10633 West Olive Avenue, Peoria, Arizona; 13950 North 75th Avenue; 11770 University Boulevard, Sugarland, Texas; and 2650 East Southlake Boulevard, Southlake.
-Approved, December 2, 2005

Pacific Mercantile Bank, Costa Mesa, California -- to establish a branch at 31601 Avenida Los Cerritos, Suite 100, San Juan Capistrano.
-Approved, December 2, 2005

Bank Holding Companies

Bank of Montreal, Montreal, Canada; Harris Financial Corp., Wilmington, Delaware; and Harris Bankcorp, Inc., Chicago, Illinois -- to engage de novo through Harris Investor Services, Inc. in financial and investment advisory activities and securities brokerage activities.
-Approved, December 2, 2005

BankGreenville Financial Corporation, Greenville, South Carolina -- to become a bank holding company and to acquire BankGreenville, a de novo bank.
-Approved, December 1, 2005

Capitol Bancorp, Ltd., Lansing, Michigan, and Capitol Development Bancorp Limited III -- to acquire 51 percent of the shares of Bank of Santa Barbara, Santa Barbara, California, a de novo bank.
-Approved, December 2, 2005

CCB Corporation, Kansas City, Missouri -- to merge with Acquisition Corporation, Leawood, Kansas, parent of MidAmerican Bank and Trust Company, National Association, Leavenworth.
-Approved, December 1, 2005

CenterBank Financial, Inc., Northfield, Illinois -- to become a bank holding company and to acquire CenterBank and Trust, National Association, Deerfield, a de novo bank.
-Approved, November 29, 2005

Community Bancshares, Inc., Kingman, Arizona -- to become a bank holding company and to acquire Mission Bank.
-Approved, November 29, 2005

Cornerstone Bancshares, Inc., Hixson, Tennessee, and EFI Acquisition, Inc. -- to acquire the assets and assume the liabilities of Eagle Financial LLC, Chattanooga, and Eagle Funding, LLC, and thereby engage in providing factoring and loan brokerage services to small businesses.
-Approved, November 30, 2005

Gwinnett Commercial Group, Inc., Lawrenceville, Georgia -- to merge with Buford Banking Group, Inc., Buford, and thereby acquire its subsidiary, Lanier Community Bank.
-Approved, December 1, 2005

New Horizons Bancshares, Inc., East Ellijay, Georgia -- relief from a commitment.
-Withdrawn, November 29, 2005

PBSC Financial Corporation, Greenville, South Carolina -- to become a bank holding company and to acquire Pinnacle Bank of South Carolina, a de novo bank.
-Approved, November 29, 2005

Salem Five Bancorp, Salem, Massachusetts -- to become a mutual bank holding company and to acquire Salem Five Cents Savings Bank and Heritage Co-operative Bank.
-Approved, December 2, 2005

Vision Bancshares, Inc., Panama City, Florida -- relief from a commitment.
-Granted, December 1, 2005

West Bancorporation, Inc., West Des Moines, Iowa -- to acquire Investors Management Group, Des Moines, and thereby engage in financial and investment advisory activities and agency transactional services.
-Approved, November 28, 2005

Bank Mergers

Five Points Bank, Grand Island, Nebraska -- to purchase certain assets and assume certain liabilities of the Summer branch of Five Points Bank of Hastings, Hastings, and thereby establish a branch.
-Approved, December 1, 2005

Bank Premises

Bryn Mawr Trust Company, Bryn Mawr, Pennsylvania -- to increase its investment in bank premises.
-Approved, November 29, 2005

Banks, State Member

AmSouth Bank, Birmingham, Alabama -- to make certain public welfare investments.
-Approved, November 23, 2005 (AC)

FirsTier Bank, Upton, Wyoming -- request for an exemption from section 23A of the Federal Reserve Act to purchase the premises for a branch from an affiliate.
-Granted, November 22, 2005 (AC)

Change In Bank Control

Holly Springs Bancshares, Inc., Holly Springs, Mississippi -- notices to retain control of Holly Springs Bancshares, Inc.
-Permitted, December 2, 2005

Northern Financial Corporation, Independence, Wisconsin -- change in bank control.
-Permitted, November 28, 2005

R&J Financial Corporation, Elma, Iowa -- change in bank control.
-Permitted, December 2, 2005

Spearman Bancshares, Inc., Spearman, Texas -- change in bank control.
-Permitted, November 28, 2005

Walker Ban Co., Walker, Minnesota -- change in bank control.
-Permitted, December 2, 2005

Competitive Factors Reports

Cleo State Bank, Cleo Springs, Oklahoma -- reports on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of Meno Guaranty Bank, Meno, and of the proposed merger of Meno Guaranty Bank with The Farmers State Bank, Hazelton, Kansas.
-Submitted, November 28, 2005

First Bank of the South, Lawrenceville, Georgia -- report on competitive factors of the proposed merger with Lanier Community Bank, Buford.
-Submitted, November 29, 2005

The First National Bank of Hughes Springs, Hughes Springs, Texas -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of the Harleton branch of BancorpSouth Bank, Tupelo, Mississippi.
-Submitted, November 28, 2005

Great Western Bank, Watertown, South Dakota -- report on competitive factors of the proposed merger with Security Bank, Madison.
-Submitted, December 1, 2005

Greater Community Bank, Totowa, New Jersey -- report on competitive factors of the proposed merger with Bergen Commercial Bank, Paramus, and Rock Community Bank, Little Falls.
-Submitted, December 1, 2005

Harris National Association, Chicago, Illinois -- report on competitive factors of the proposed merger with NLSB, New Lenox.
-Submitted, December 2, 2005

Marine Bank, Wauwatosa, Wisconsin -- report on competitive factors of the proposed merger with Marine Bank, Scottsdale, Arizona.
-Submitted, December 2, 2005

The National Bank, Edina, Minnesota -- report on competitive factors of the proposed merger with The National Bank, Bettendorf, Iowa.
-Submitted, December 2, 2005

Parke Bank, Sewell, New Jersey -- report on competitive factors of the proposed merger with Parke Interim Bank, Philadelphia, Pennsylvania, as part of a corporate reorganization.
-Submitted, December 1, 2005

Peak National Bank, Nederland, Colorado -- report on competitive factors of the proposed merger with First State Bank, Idaho Springs.
-Submitted, November 29, 2005

Peoples Bank, Rock Valley, Iowa -- report on competitive factors of the proposed merger with Jasper State Bank, Jasper, Minnesota.
-Submitted, December 2, 2005

Rabobank, National Association, El Centro, California -- report on competitive factors of the proposed merger with Community Bank of Central California, Salinas.
-Submitted, November 30, 2005

Security Bank of Bibb County, Macon, Georgia -- report on competitive factors of the proposed merger with Rivoli Bank and Trust.
-Submitted, November 29, 2005

The Yukon National Bank, Yukon, Oklahoma -- report on competitive factors of the proposed merger with Peoples Bank, Oklahoma City.
-Submitted, November 29, 2005

Extensions Of Time

Arvest Bank, Fayetteville, Arkansas -- extension to December 31, 2005, to establish a branch at 218 West Henry De Tonti Boulevard, Tontitown.
-Granted, November 29, 2005

Citibank, N.A., New York, New York -- extension of time on behalf of Citibank Overseas Investment Corporation, New Castle, Delaware, and Citicorp Finance (Thailand) Limited, Bangkok, Thailand, to divest an interest in certain property acquired in settlement of a debt previously contracted.
-Granted, November 22, 2005 (AC)

Pocono Community Bank, Stroudsburg, Pennsylvania -- extension to November 19, 2006, to establish a branch at Route 611, Swiftwater.
-Granted, November 29, 2005

Univest Corporation of Pennsylvania, Souderton, Pennsylvania -- extension to February 20, 2006, to retain 8.53 percent and to acquire up to 9.9 percent of the shares of New Century Bank, Phoenixville.
-Granted, November 30, 2005

Financial Holding Companies

Claiborne Holding Company, Inc., Tazewell, Tennessee -- election to become a financial holding company.
-Effective, December 1, 2005

Membership

Berea Community Bank, Inc., Berea, Ohio -- to retain membership in the Federal Reserve System on conversion from a national to a state charter.
-Approved, December 2, 2005

Sunrise Bank, Cocoa Beach, Florida -- to become a member of the Federal Reserve System.
-Approved, December 1, 2005

Actions under delegated authority

Actions taken during the week ending December 3, 2005

Bank Branches, Domestic