Actions under delegated authority

AmSouth Bank, Birmingham, Alabama  -- to establish branches at the intersections of: Highways 225 and 31, Spanish Fort; South Florida Avenue and County Road 540A, Lakeland, Florida; Radio Road and Santa Barbara Boulevard, Naples; Big Bend Road and U.S. Highway 301, Riverview; U.S. Highway 19 and 34th Avenue, St. Petersburg; and at Units 5204 and 5206 Ocean Boulevard, Sarasota; 101 Office Park Drive, Brandon, Mississippi; the intersection of Courthouse Road and 33rd Street, Gulfport; 2615 Old Fort Parkway, Murfreesboro, Tennessee; and the intersection of Memorial Parkway and Lokey Avenue.
-Approved, February 21, 2006 

Fifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 20399 Gibraltar Road, Brownstown.
-Approved, February 22, 2006 

First American Bank, Birmingham, Alabama  -- to establish a branch at 27453 Capshaw Road, Athens.
-Approved, February 21, 2006 

Four Oaks Bank & Trust Company, Four Oaks, North Carolina  -- to establish a branch at 1100 South Horner Boulevard, Sanford.
-Approved, February 22, 2006 

Four Oaks Bank & Trust Company, Four Oaks, North Carolina  -- to establish a branch at 130 North Arendell Avenue, Zebulon.
-Approved, February 22, 2006 

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin  -- to establish branches at 9900 Innovation Drive, Wauwatosa, and 1200 Commerce Place, Plover, and at the intersections of Carefree Highway and 48th Street, Phoenix, Arizona; Dynamite and Tatum Boulevards; and Queen Creek and Higley Roads, Gilbert.
-Approved, February 24, 2006 

Pacific Global Bank, Chicago, Illinois  -- to establish a branch at 3233 South Ashland Avenue.
-Approved, February 22, 2006 

Riverside Bank of the Gulf Coast, Cape Coral, Florida  -- to establish a branch at 2103 Santa Barbara Boulevard.
-Approved, February 22, 2006 

SunTrust Bank, Atlanta, Georgia  -- to establish branches at 1880 West County Road 419, Oviedo, Florida, and 4935 East Iro Bronson Memorial Highway, St. Cloud.
-Approved, February 24, 2006 

Tower Bank & Trust Company, Fort Wayne, Indiana  -- to establish a branch at 3333 North Wayne Street, Angola.
-Approved, February 21, 2006 

A.M. Saylor, Incorporated, Hampton, Iowa  -- to engage de novo in extending credit and servicing loans.
-Approved, February 22, 2006 

The Bank Holdings, Reno, Nevada  -- to acquire Big Sky Property Exchange, Inc., Bozeman, Montana, and thereby engage in real estate settlement services, trust company activities, and financial and investment advisory activities.
-Approved, February 23, 2006 

Exchange Financial, Inc., Adair, Iowa  -- to become a bank holding company and to acquire Exchange State Bank.
-Withdrawn, February 21, 2006 

FBOP Corporation, Oak Park, Illinois  -- to acquire more than 50 percent of the shares of Community Bank of Lemont, Lemont.
-Approved, February 24, 2006 

First National Bancorp, Inc., Kalamazoo, Michigan  -- to become a bank holding company and to acquire First National Bank of Michigan, a de novo bank.
-Approved, February 23, 2006 

GB&T Bancshares, Inc., Gainesville, Georgia  -- to merge with Mountain Bancshares, Inc., Dawsonville, and thereby acquire Mountain State Bank.
-Approved, February 24, 2006 

Wintrust Financial Corporation, Lake Forest, Illinois  -- to acquire Hinsbrook Bancshares, Inc., Willowbrook, and Hinsbrook Bank and Trust.
-Approved, February 24, 2006 

Stockton Bancshares, Inc., Stockton, Kansas  -- change in bank control.
-Permitted, February 21, 2006 

BankWest of Nevada, Las Vegas, Nevada  -- report on competitive factors of the proposed merger with Nevada First Bank.
-Submitted, February 21, 2006 

BankWest of Nevada, Las Vegas, Nevada  -- report on competitive factors of the proposed merger with Bank of Nevada.
-Submitted, February 22, 2006 

FDS Bank, Mason, Ohio  -- report on competitive factors of the proposed acquisition of certain assets of GE Money Bank, Salt Lake City, Utah.
-Submitted, February 21, 2006 

The First Interim National Bank, Newport, Pennsylvania  -- report on competitive factors of the proposed acquisition of The First National Bank of Newport, Newport.
-Submitted, February 24, 2006 

GNB Financial, N.A., Gainesville, Texas  -- report on competitive factors of the proposed merger with Northwest Bank, Roanoke.
-Submitted, February 21, 2006 

National Penn Bank, Boyertown, Pennsylvania  -- report on competitive factors of the proposed merger with Nittany Bank, State College.
-Submitted, February 24, 2006 

Northeast Missouri State Bank, Kirksville, Missouri  -- report on competitive factors of the proposed merger with La Plata State Bank, La Plata.
-Submitted, February 24, 2006 

Minster Bank, Minster, Ohio  -- extension to October 1, 2006, to establish a branch at 1280 Experimental Farm Road, Troy.
-Granted, February 23, 2006 

Security One Bank, Baileys Crossroads, Virginia, a de novo bank  -- to become a member of the Federal Reserve System.
-Approved, February 22, 2006 

Twin City Bank, North Little Rock, Arkansas  -- to become a member of the Federal Reserve System.
-Approved, February 21, 2006 

Virginia Business Bank, Richmond, Virginia  -- to become a member of the Federal Reserve System.
-Approved, February 22, 2006 

Federal Open Market Committee  -- minutes of the meeting on January 31, 2006.
-Published, February 21, 2006