FRB: H.2--Actions under delegated authority--Week ending December 10, 2005

The Bank of Williamsburg, Williamsburg, Virginia -- to establish a branch at 5030 George Washington Memorial Highway, Grafton.
-Approved, December 7, 2005

Dacotah Bank, Aberdeen, South Dakota -- to establish a branch at 410 West Villard Street, Dickinson, North Dakota.
-Approved, December 5, 2005

First State Bank N.M., Taos, New Mexico -- to establish a branch at 5225 North Academy, Suite 100, Colorado Springs, Colorado.
-Approved, December 8, 2005

Riverside Bank of Central Florida, Winter Park, Florida -- to establish branches at 1017 East Vine Street, Kissimmee, and 4587 and 4589 HC Yates Lane, St. Cloud.
-Approved, December 8, 2005

SunTrust Bank, Atlanta, Georgia -- to establish branches at 2301 Berry Boulevard, Davenport, Florida, and 7450 Cypress Gardens Boulevard, Winter Haven.
-Approved, December 6, 2005

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 145 King Street, Suite 101, Charleston, South Carolina.
-Approved, December 8, 2005

Bank Holding Companies

Congressional Bancshares, Inc., Potomac, Maryland -- to become a bank holding company and to acquire Congressional Bank.
-Approved, December 6, 2005

First Banks, Inc., Hazelwood, Missouri, and The San Francisco Company, San Francisco, California -- to acquire First National Bank of Sachse, Sachse, Texas.
-Approved, December 7, 2005

First Citizens Financial Corp., Mason City, Iowa -- to acquire Kanabec Credit Company, Mora, Minnesota, and thereby acquire Kanabec State Bank.
-Approved, December 9, 2005

First Sleepy Eye Bancorporation, Inc., Sioux Falls, South Dakota -- to acquire Stearns Bank of Evansville, National Association, Evansville, Minnesota.
-Approved, December 8, 2005

First Wyoming Financial Corporation, Wyoming, Delaware -- to become a bank holding company and to acquire First National Bank of Wyoming.
-Approved, December 5, 2005

FirsTier II Bancorp., Cheyenne, Wyoming -- to become a bank holding company and to acquire FirsTier Bank, Nebraska, Kimball, Nebraska.
-Approved, December 8, 2005

FirsTier III Bancorp., Broomfield, Colorado -- to become a bank holding company and to acquire FirsTier Bank, Colorado, Louisville, Colorado.
-Approved, December 8, 2005

Frontier Holdings, LLC, Omaha, Nebraska -- to acquire Frontier Bancorp, Davenport, and thereby acquire Frontier Bank; and for Frontier Management, LLC, Omaha, to indirectly acquire Frontier Bancorp, Davenport.
-Approved, December 9, 2005

Gateway Financial Holdings of Florida, Inc., Ormond Beach, Florida -- to become a bank holding company and to acquire Gateway Bank of Florida, a de novo bank.
-Approved, December 6, 2005

Gateway Financial Holdings, Inc., Elizabeth City, North Carolina -- to acquire up to 9.9 percent of the shares of Commonwealth Bankshares, Inc., Norfolk, Virginia, and thereby acquire up to 9.9 percent of the shares of Bank of the Commonwealth.
-Approved, December 5, 2005

German American Bancorp, Jasper, Indiana -- to merge with Stone City Bancshares, Inc., Bedford, and thereby acquire Stone City Bank of Bedford.
-Approved, December 6, 2005

International Bancshares of Oklahoma, Inc., Yukon, Oklahoma -- waiver of application in connection with the proposed merger of its subsidiary, Yukon National Bank, and Peoples Bank, Oklahoma City.
-Granted, December 8, 2005

Madison Financial Corporation, Madison, Mississippi -- to become a bank holding company and to acquire Madison County Bank.
-Approved, December 6, 2005

Patriot Bancshares, Inc., Houston, Texas -- to become a bank holding company and to acquire Patriot Bank.
-Approved, December 8, 2005

Peoples Community Bancorp, Inc., West Chester, Ohio -- waiver of application to acquire PFS Bancorp, Inc., Aurora, Indiana, in connection with the merger of their subsidiaries, Peoples Community Bank, West Chester, and Peoples Federal Savings Bank, Aurora.
-Approved, December 9, 2005

Riverbend Financial Corporation, Fort Worth, Texas, and Riverbend Financial Corporation-Nevada, Carson City, Nevada -- to become bank holding companies and to acquire Riverbend Bank, Fort Worth.
-Approved, December 9, 2005

United Bancorporation of Wyoming, Inc., Jackson, Wyoming -- to acquire First National Bank Holding Company, Inc., Pinedale, and First National Bank of Pinedale.
-Withdrawn, December 6, 2005

Bank Mergers

First Bank, St. Louis, Missouri -- to merge with First National Bank of Sachse, Sachse, Texas, and thereby establish a branch.
-Approved, December 7, 2005

Bank Premises

Citizens Bank and Trust Company, Blackstone, Virginia -- to increase its investment in bank premises.
-Approved, December 8, 2005

Change In Bank Control

Selko Banco, Inc., Mead, Nebraska -- change in bank control.
-Permitted, December 6, 2005

Competitive Factors Reports

Bank of Bridger, National Association, Bridger, Montana -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the Butte branch of First Interstate Bank, Billings.
-Submitted, December 5, 2005

First National Bank of Polk County, Winter Haven, Florida -- report on competitive factors of the proposed merger with CenterState Bank of Florida.
-Submitted, December 5, 2005

FirstBank Southwest, Amarillo, Texas -- report on competitive factors of the proposed merger with Western National Bank.
-Submitted, December 7, 2005

Hamilton State Bank, Braselton, Georgia -- report on competitive factors of the proposed merger with Hamilton Interim Corporation.
-Submitted, December 5, 2005

Legend Bank, National Association, Bowie, Texas -- report on competitive factors of the proposed acquisition of the Whitesboro branch of Surety Bank, Fort Worth.
-Submitted, December 6, 2005

New York National Bank, Bronx, New York -- report on competitive factors of the proposed consolidation with NYNB Bank, National Association, Yonkers, and merger with Hudson Valley Bank.
-Submitted, December 8, 2005

Extensions Of Time

River Bancorp, Inc., Martinsville, Virginia -- extension to March 23, 2006, to become a bank holding company and to acquire Smith River Community Bank, N.A.
-Granted, December 5, 2005

Regulations And Policies

Regulation CC -- technical amendments to Appendix A to reflect the restructuring of check processing operations in the Boston Federal Reserve District (Docket No. R-1242).
-Approved, December 5, 2005

Actions under delegated authority

Actions taken during the week ending December 10, 2005

Bank Branches, Domestic