Actions under delegated authority

1st Source Bank, South Bend, Indiana  -- to establish a branch at 555 West Crosstown Parkway, Kalamazoo, Michigan.
-Approved, August 7, 2006 

1st United Bank, Boca Raton, Florida  -- to establish a branch at 1700 Palm Beach Lakes Boulevard, West Palm Beach.
-Approved, August 10, 2006 

Bank Iowa, Denison, Iowa  -- to establish a branch at 17 Main Street, Charter Oak.
-Approved, August 11, 2006 

Benchmark Community Bank, Kenbridge, Virginia  -- to establish a branch at 1320 Seymour Drive, South Boston.
-Approved, August 9, 2006 

Community Bank of Bergen County, N.J., Maywood, New Jersey  -- to establish a branch at 519 River Drive, Garfield.
-Approved, August 7, 2006 

Compass Bank, Birmingham, Alabama  -- to establish branches at 6900 Virginia Parkway, McKinney, Texas, and at the intersection of South Gilbert Road and West Warner Road, Gilbert, Arizona.
-Approved, August 10, 2006 

Compass Bank, Birmingham, Alabama  -- to establish a branch at a kiosk at Sharpstown Mall, 7500 Bellarie Boulevard, Houston, Texas.
-Approved, August 11, 2006 

County Bank, Merced, California  -- to establish a branch at 505 North Clovis Avenue, Fresno.
-Approved, August 8, 2006 

Fifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 1800 North Neltnor Boulevard, West Chicago, Illinois.
-Approved, August 11, 2006 

Fifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 1590 Lake Cood Road, Wheeling, Illinois.
-Approved, August 11, 2006 

Regions Bank, Birmingham, Alabama  -- to establish a branch at 2205 North Elm Street, Greensboro, North Carolina.
-Approved, August 10, 2006 

Waccamaw Bank, Whiteville, North Carolina  -- to establish a temporary branch at 925-5 Seaside Road Southwest, Ocean Isle Beach.
-Approved, August 9, 2006 

Cross County Bancshares, Inc., Wynne, Arkansas  -- to acquire 6.6 percent of the shares of Pinnacle Bancshares, Inc., Bentonville, and thereby acquire Pinnacle Bank.
-Approved, August 10, 2006 

Evergreen Bancshares, Inc., St. Louis, Missouri  -- to become a bank holding company and to merge with Bancorp IV, Inc., Stilwell, Kansas, and thereby acquire Bank of Montgomery County, Wellsville, Missouri.
-Approved, August 10, 2006 

First Capital Bancorp, Inc., Glen Allen, Virginia  -- to become a bank holding company and to acquire First Capital Bank.
-Approved, August 9, 2006 

Glacier Bancorp, Inc., Kalispell, Montana  -- to acquire First National Bank of Morgan, Morgan, Utah, through merger with New First National Bank of Morgan, an interim bank.
-Approved, August 9, 2006 

Lonoke Bancshares, Inc., Lonoke, Arkansas  -- to acquire 6.6 percent of the shares of Pinnacle Bancshares, Inc., Bentonville, and thereby acquire Pinnacle Bank.
-Approved, August 10, 2006 

Richey Bancorporation, Inc., Glendive, Montana  -- to increase its ownership interest in Community First Bancorp, Inc. and thereby acquire Community First Bank.
-Approved, August 10, 2006 

Rurban Financial Corp., Defiance, Ohio, and Rurbanc Data Services, Inc.  -- to acquire Diverse Computer Marketers, Inc., Lansing, Michigan, and DCM Indiana, Inc., Plainfield, Indiana.
-Approved, August 10, 2006 

TransAtlantic Holding Corp., Miami, Florida  -- to become a bank holding company and to acquire TransAtlantic Bank.
-Approved, August 8, 2006 

U.S. Bancorp, Minneapolis, Minnesota  -- to acquire Vail Banks, Inc., Avon, Colorado, and thereby acquire WestStar Bank, Vail.
-Approved, August 7, 2006 

U.S. Bancorp, Minneapolis, Minnesota; USB Holdings, Inc., and U.S. Bank National Association, Cincinnati, Ohio  -- waiver of application to acquire interim national trust bank subsidiaries of U.S. Bank established to facilitate the acquisition of the corporate trust business from Wachovia Corporation, Charlotte, North Carolina, and simultaneously merge them with Wachovia's institutions in Alabama, Delaware, North Carolina, South Carolina, Tennessee, and Virginia; and for U.S. Bank Trust National Association, Wilmington, Delaware, to merge with U.S. Bank Trust Interim National Association, Delaware.
-Granted, August 7, 2006 

Wachovia Corporation, Charlotte, North Carolina  -- commenters' requests to extend the comment period on the application to acquire Golden West Financial Corporation, Oakland, California, and thereby acquire World Savings Bank, F.S.B., and World Savings Bank, FSB (Texas), Houston, Texas.
-Denied, August 10, 2006 

Gold Country Financial Services, Inc., Marysville, California  -- change in bank control.
-Permitted, August 11, 2006 

American Bank of Oklahoma, Collinsville, Oklahoma  -- report on competitive factors of the proposed merger with Territory Bank, Muskogee.
-Submitted, August 10, 2006 

Cadence Bank, N.A., Starkville, Mississippi  -- report on competitive factors of the proposed merger with Seasons Bank, Blairsville, Georgia.
-Submitted, August 8, 2006 

First Mountain Bank, Big Bear Lake, California  -- report on competitive factors of the proposed merger with FMB Merger Company.
-Submitted, August 7, 2006 

New York Commercial Bank, Islandia, New York  -- report on competitive factors of the proposed merger with New York Municipal Bank, Flushing.
-Submitted, August 10, 2006 

Regional Missouri Bank, Marceline, Missouri  -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the Keytesville branch of Citizens Bank and Trust Company, Chillicothe.
-Submitted, August 10, 2006 

Republic Interim Bank, FSB, Louisville, Kentucky  -- report on competitive factors of the proposed merger with GulfStream Community Bank, Port Richey, Florida.
-Submitted, August 8, 2006 

Sterling Bank, Houston, Texas  -- report on competitive factors of the proposed merger with Bank of the Hills, National Association, Kerrville.
-Submitted, August 9, 2006 

U.S. Bank National Association, Cincinnati, Ohio  -- report on competitive factors of the proposed mergers of interim national trust bank subsidiaries of U.S. Bank National Association with trust subsidiaries of Wachovia Corporation, Charlotte, North Carolina, to facilitate the acquisition of the corporate trust business from Wachovia in Alabama, Delaware, North Carolina, South Carolina, Tennessee, and Virginia; and the proposed merger of U.S. Bank Trust Interim National Association, Delaware, Wilmington, Delaware, with U.S. Bank Trust National Association.
-Submitted, August 8, 2006 

U.S. Bank National Association, Cincinnati, Ohio  -- report on competitive factors of the proposed mergers of interim national bank subsidiaries of U.S. Bank National Association with the bank to facilitate the acquisition of the corporate trust business from Wachovia Corporation, Charlotte, North Carolina, and the proposed merger of Wachovia Trust Company of Delaware, National Association, Wilmington, Delaware, with U.S. Bank Trust National Association.
-Submitted, August 8, 2006 

U.S. Bank National Association, Cincinnati, Ohio  -- report on competitive factors of the proposed merger with WestStar Bank, Vail, Colorado.
-Submitted, August 7, 2006 

Barron Investment Company, Inc., Golden Valley, Minnesota  -- election to become a financial holding company.
-Effective, August 11, 2006 

Landesbank Baden-Wuerttemberg, Stuttgart, Germany  -- election to be treated as a financial holding company.
-Effective, August 7, 2006 

Sparkassenverband Baden-Wurttemberg, Stuttgart, Germany, and Landesbank Baden-Wurttemberg  -- elections to be treated as financial holding companies.
-Effective, August 7, 2006 

Capital One Bank, Glen Allen, Virginia  -- waiver of remainder of notification period to invest in Capital One Bank (Europe) plc, London, England.
-Granted, August 7, 2006 

Farmers Bank & Capital Trust Company, Frankfort, Kentucky  -- to become a member of the Federal Reserve System.
-Approved, August 10, 2006 

Regulation Z (Truth in Lending)  -- annual adjustment of the dollar amount that triggers additional disclosure requirements for home mortgage loans with rates or fees above a certain amount (Docket No. R-1263).
-Approved, August 9, 2006