FRB: H.2--Actions under delegated authority--Week ending January 28, 2006

First Community Bank, Taos, New Mexico -- to establish a branch at the corner of JFK Parkway and College Avenue, Fort Collins, Colorado.
-Withdrawn, January 27, 2006

Highlands Union Bank, Abingdon, Virginia -- to establish a branch at 113 Hardin Lane, Sevierville, Tennessee.
-Approved, January 27, 2006

Orion Bank, Naples, Florida -- to establish a branch at 631 U.S. Highway One, Suite 411, North Palm Beach.
-Approved, January 26, 2006

Paramount Bank, Farmington Hills, Michigan -- to establish a branch at 22635 Woodward Avenue, Ferndale.
-Approved, January 27, 2006

SunCoast Bank, Sarasota, Florida -- to establish a branch at 5115 State Road 64 East, Bradenton.
-Approved, January 26, 2006

Virginia Commerce Bank, Arlington, Virginia -- to establish a branch at Ryan Park Center & Yukon Drive, Ashburn.
-Approved, January 27, 2006

Bank Holding Companies

AJJ Bancorp, Inc., Elkader, Iowa -- to acquire Corridor State Bank, Coralville, a de novo bank; and for Corridor State Bank to become a member of the Federal Reserve System.
-Approved, January 25, 2006

BlackRidge Financial, Inc., Fargo, North Dakota -- to become a bank holding company and to acquire Valley Bancshares, Inc., Nisswa, Minnesota, and Lakewood Bank N.A., Baxter; and to retain its ownership interest in Union Bancshares, Inc., Fargo, North Dakota, and Union State Bank of Fargo.
-Approved, January 25, 2006

Boulevard Bancshares, Inc., St. Louis, Missouri -- to become a bank holding company and to acquire WestBridge Bank & Trust Company, a de novo bank.
-Approved, January 23, 2006

CenterState Banks of Florida, Inc., Winter Haven, Florida -- to acquire CenterState Bank Mid Florida, Leesburg; and for CenterState Bank Mid Florida to merge with CenterState Interim Bank.
-Approved, January 24, 2006

Enterprise Holding Company, Omaha, Nebraska -- to become a bank holding company and to acquire Enterprise Bank, N.A.
-Withdrawn, January 25, 2006

Harbor Bank Group, Inc., Charleston, South Carolina -- to become a bank holding company and to acquire Harbor National Bank, a de novo bank.
-Approved, January 23, 2006

MainSource Financial Group, Inc., Greensburg, Indiana -- to acquire Union Community Bancorp, Crawfordsville, and thereby acquire Union Federal Savings and Loan Association; and for Union Federal Savings and Loan Association to merge with MainSource Bank-Crawfordsville, a de novo bank.
-Approved, January 23, 2006

Pawhuska Financial Corp., Pawhuska, Oklahoma -- to become a bank holding company and to acquire First National Bank of Pawhuska.
-Approved, January 24, 2006

Bank Mergers

SunTrust Bank, Atlanta, Georgia -- to purchase certain assets and assume certain liabilities of 11 branches of Community Bank of Florida, Inc., Homestead, Florida, and establish branches of SunTrust Bank at those locations.
-Approved, January 26, 2006

Change In Bank Control

General Bancshares, Inc., Jasper, Tennessee -- change in bank control.
-Permitted, January 25, 2006

Competitive Factors Reports

Amalgamated Bank of Chicago, Chicago, Illinois -- report on competitive factors of the proposed merger with Amalga Trust Company, Inc.
-Submitted, January 24, 2006

The Bank of Edwardsville, Edwardsville, Illinois -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the O'Fallon, Illinois, branch of Old National Bank, Evansville, Indiana.
-Submitted, January 26, 2006

Bank of Modesto, Modesto, Illinois -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the Palmyra branch of Town & Country Bank of Springfield, Springfield.
-Submitted, January 26, 2006

First State Bank, Mendota, Illinois -- report on competitive factors of the proposed purchase of assets and assumption of deposit liabilities of the Mendota branch of UnionBank, Streator.
-Submitted, January 26, 2006

The Huntington National Bank, Columbus, Ohio -- report on competitive factors of the proposed merger with Unizan Bank, N.A., Canton, and Unizan Financial Services Group, N.A.
-Submitted, January 27, 2006

The Huntington National Bank, Columbus, Ohio -- report on competitive factors of the proposed merger with Unizan Banc Financial Services, Inc., Canton.
-Submitted, January 27, 2006

MainSource Bank-Crawfordsville, Greensburg, Indiana, an interim bank -- report on competitive factors of the proposed merger with Union Federal Savings and Loan Association, Crawfordsville.
-Submitted, January 24, 2006

Texas Champion Bank, Alice, Texas -- report on competitive factors of the proposed merger with First-Nichols National Bank, Kenedy.
-Submitted, January 24, 2006

Wachovia Bank, National Association, Charlotte, North Carolina -- report on competitive factors of the proposed merger with Western Financial Bank, Irvine, California.
-Submitted, January 23, 2006

Extensions Of Time

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga Springs, New York -- extension to April 28, 2006, to acquire additional shares of 473 Broadway Holding Corporation and The Adirondack Trust Company.
-Granted, January 26, 2006

Bank of Essex, Tappahannock, Virginia -- extension to July 20, 2006, to establish a branch at 1325 Tappahannock Boulevard, to designate this location as its main office, and to retain as a branch the old main office at 323 Prince Street.
-Granted, January 27, 2006

CCB Acquisition Corp., Oak Brook, Illinois -- extension to April 27, 2006, to become a bank holding company and to acquire Citizens Central Bancorp, Inc., Macomb, and thereby acquire Citizens National Bank.
-Granted, January 27, 2006

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, January 27, 2006

SBT Bancorp, Inc., Simsbury, Connecticut -- extension to March 6, 2006, to become a bank holding company and to acquire The Simsbury Bank & Trust Company, Inc.
-Granted, January 25, 2006

Financial Holding Companies

Rabobank International Holding B.V., Utrecht, The Netherlands; Utrecht-America Holdings, Inc., New York, New York; and VIB Corp., El Centro, California -- elections to become financial holding companies.
-Effective, January 26, 2006

Actions under delegated authority

Actions taken during the week ending January 28, 2006