FRB: H.2--Actions under delegated authority--Week ending July 1, 2006

Bank Independent, Sheffield, Alabama -- to establish a branch at the corner of Highway 72 and Lindsay Lane, Athens.
-Approved, June 29, 2006

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 5075 West Washington Street, Indianapolis, Indiana.
-Approved, June 30, 2006

First Bank, St. Louis, Missouri -- to relocate a branch from 1001 Grant Avenue to 1143 Grant Avenue, San Francisco, California.
-Approved, June 28, 2006

First Community Bank, Taos, New Mexico -- to establish a branch at 2710 East Camelback Road, Phoenix, Arizona.
-Approved, June 30, 2006

The Northern Trust Company, Chicago, Illinois -- to establish a branch at 401 South Main Street, Naperville.
-Approved, June 30, 2006

Waccamaw Bank, Whiteville, North Carolina -- to establish a branch at 701 North Howe Street, Southport.
-Approved, June 30, 2006

Bank Holding Companies

Braintree Bancorp MHC, Braintree, Massachusetts -- to become a bank holding company and to acquire The Braintree Co-operative Bank.
-Approved, June 26, 2006

Citigroup Inc., New York, New York -- modification of certain commitments.
-Granted, June 27, 2006

Commerce Bancshares, Inc., Kansas City, Missouri, and CBI-Kansas -- waiver of application to merge with West Pointe Bancorp, Inc., Belleville, Illinois; and simultaneously to merge West Pointe Bank and Trust Company with Commerce Bank, N.A., Kansas City, Missouri.
-Granted, June 28, 2006

Emprise Financial Corporation, Wichita, Kansas -- to acquire Prairie Capital, Inc., Augusta, parent of Prairie State Bank.
-Approved, June 29, 2006

Lloyds TSB Group Plc, London, England, and Lloyds TSB Bank Plc -- to engage de novo through Hill Samuel Inc., New York, New York, a subsidiary of Lloyds TSB Bank, in personal-property leasing activities and related lending activities.
-Approved, June 29, 2006

Mid-America Bancshares, Inc., Nashville, Tennessee -- to become a bank holding company and to acquire Bank of the South, Mt. Juliet, and PrimeTrust Bank, Nashville.
-Approved, June 26, 2006

Midwest Community Financial Corporation, Midwest City, Oklahoma -- to engage in mortgage loan origination activities through the acquisition of American Resource Mortgage, Inc.
-Approved, June 29, 2006

New York Private Bank & Trust Corporation, New York, New York, and Emigrant Bancorp, Inc. -- to acquire New York Private Bank & Trust , FSB, Wilmington, Delaware, a de novo federal savings bank, and thereby operate a savings association.
-Approved, June 29, 2006

Orient Bancorporation, San Francisco, California -- to acquire Orient First Capital Corporation, Bellevue, Washington, and Orient First Capital Limited, Hong Kong S.A.R., Peoples Republic of China.
-Approved, June 26, 2006

RockBridge Financial Holdings, Inc., Atlanta, Georgia -- to become a bank holding company and to acquire RockBridge Commercial Bank, a de novo bank.
-Approved, June 27, 2006

Royal Bancshares of Pennsylvania, Inc., Narberth, Pennsylvania -- to acquire Royal Asian Bank, a proposed de novo bank to be formed through the acquisition of assets and assumption of liabilities of certain offices of Royal Bank America.
-Approved, June 29, 2006

Sir Barton Bancorp, Inc., Lexington, Kentucky -- to become a bank holding company and to acquire First National Bank of Lexington.
-Approved, June 26, 2006

Vineyard National Bancorp, Corona, California -- waiver of application to acquire Rancho Bank, San Dimas, and to merge it with Vineyard Bank, National Association, Corona.
-Granted, June 30, 2006

Wauwatosa Holdings, Inc., Wauwatosa, Wisconsin, and Lamplighter Financial, MHC -- to continue to engage in extending credit and servicing loans.
-Approved, June 27, 2006

Change In Bank Control

Community Bank Group, Inc., Eden Prairie, Minnesota -- change in bank control.
-Permitted, June 27, 2006

Community First Financial Bancorp, Inc., New Holland, Ohio -- change in bank control.
-Permitted, June 29, 2006

Southern National Corporation, Andalusia, Alabama -- notices to retain control of Southern National Corporation.
-Permitted, June 26, 2006

Competitive Factors Reports

Community Bank, National Association, Canton, New York -- report on competitive factors of the proposed merger with Elmira Savings and Loan, F.A., Elmira.
-Submitted, June 29, 2006

Community State Bank, Galva, Illinois -- report on competitive factors of the proposed acquisition of the Galva branch of Citizens National Bank, Macomb.
-Submitted, June 30, 2006

First Republic Bank, Las Vegas, Nevada -- report on competitive factors of the proposed merger with Bank of Walnut Creek, Walnut Creek, California.
-Submitted, June 28, 2006

First Western Bank, Wall, South Dakota -- report on competitive factors of the proposed merger with First Western Bank Custer, Custer.
-Submitted, June 30, 2006

HomeTown Bank, Redwood Falls, Minnesota -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the St. Peter, Henderson, Le Sueur, and Cleveland branches of Community Bank Minnesota Valley, Wayzata.
-Submitted, June 27, 2006

Piedmont Community Bank, Gray, Georgia -- report on competitive factors of the proposed merger with PCB Interim Corporation.
-Submitted, June 26, 2006

State Bank of Lincoln, Lincoln, Illinois -- report on competitive factors of the proposed acquisition of the Lincoln branch of Central Illinois Bank, Champaign.
-Submitted, June 30, 2006

Texas Country Bank, Lakeway, Texas -- report on competitive factors of the proposed merger with Clayton Mortgage Corp., Austin.
-Submitted, June 30, 2006

Town Bank, Delafield, Wisconsin -- report on competitive factors of the proposed merger with its subsidiary, Town Investment Corp., Henderson, Nevada.
-Submitted, June 30, 2006

Extensions Of Time

Farmers & Merchants Bank, Timberville, Virginia -- extension to January 6, 2007, to establish a branch at the intersection of Routes 33 and 276, Penn Laird.
-Granted, June 26, 2006

Port Byron State Bank, Port Byron, Illinois -- extension to September 28, 2006, to establish a branch at 301 West 1st Avenue, Coal Valley, and to make an additional investment in bank premises.
-Granted, June 29, 2006

SuffolkFirst Bank, Suffolk, Virginia -- extension to February 25, 2007, to establish a branch at Hill Shopping Center, Bennet's Creek Crossing.
-Granted, June 27, 2006

Financial Holding Companies

First National Bancshares of Weatherford, Inc., Weatherford, Oklahoma -- election to become a financial holding company.
-Effective, June 28, 2006

Membership

Community Bank, Cabot, Arkansas -- to become a member of the Federal Reserve System and to retain as financial subsidiaries Grand Prairie Title Company, Inc.; Community Title Services, Inc.; Lonoke Abstract Corporation, Lonoke; Community Insurance Agency, Inc., Jacksonville; and First State Insurance Agency, Inc., Conway.
-Approved, June 27, 2006

Regulations And Policies

Short-term Interest Rates -- increase in the target for the federal funds rate from 5 percent to 5-1/4 percent.
-Approved, June 29, 2006

Actions under delegated authority

Actions taken during the week ending July 1, 2006

Bank Branches, Domestic