Actions under delegated authority

Banco Popular North America, New York, New York  -- to establish branches at 2 South Orange Avenue, Orlando, Florida, and 8885 South Dadeland Boulevard, Miami.
-Approved, November 30, 2006 

Bank Iowa, Altoona, Iowa  -- to establish a branch at 5525 Merle Hay Road, Suite 195, Johnston.
-Approved, November 30, 2006 

Bank of Nichols Hills, Oklahoma City, Oklahoma  -- to establish a branch at 7400 North Western Avenue.
-Approved, November 27, 2006 

Bank of the West, El Paso, Texas  -- to establish a branch at 4717 Hondo Pass Drive.
-Approved, November 29, 2006 

Citizens Bank, Flint, Michigan  -- to establish a branch at 4321 West College Avenue, Appleton, Wisconsin.
-Approved, November 30, 2006 

SunTrust Bank, Atlanta, Georgia  -- to establish branches at 12410 Fairwood Parkway, Bowie, Maryland, and 24 Kent Town Market, Chester.
-Approved, November 30, 2006 

Bank of Montreal, Montreal, Canada; Harris Financial Corp., Chicago, Illinois; and Harris Bankcorp, Inc.  -- to acquire First National Bank & Trust, Kokomo, Indiana.
-Approved, December 1, 2006 

Beacon Bancorp, Taunton, Massachusetts  -- to acquire Randolph Bancorp, Stoughton, and Randolph Savings Bank, Randolph.
-Withdrawn, November 30, 2006 

Belvedere Capital Fund II L.P., San Francisco, California, Belvedere Capital Partners II LLC, and Belvedere Texas Holdings L.P., Houston, Texas  -- to acquire up to 49 percent of the shares of Green Bancorp, Inc., Houston, and thereby acquire Redstone Bank, N.A.
-Approved, November 28, 2006 

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri  -- to become a bank holding company and to acquire 28.7 percent of the shares of Cabool Bancshares, Inc. and thereby acquire Cabool State Bank.
-Approved, November 27, 2006 

Capitol Bancorp Ltd., Lansing, Michigan  -- to acquire 51 percent of the shares of Bank of Tacoma, Tacoma, Washington, a de novo bank; and for Capitol Development Bancorp Limited VI, Lansing, to become a bank holding company and to acquire 51 percent of the shares of Bank of Tacoma.
-Approved, December 1, 2006 

Century Bancshares, Inc., Schaller, Iowa  -- to engage de novo in extending credit and servicing loans.
-Approved, November 30, 2006 

Conestoga Bancorp, Inc., Chester Springs, Pennsylvania  -- to acquire PSB Bancorp, Inc., Philadelphia; and for Conestoga Bank, Chester Springs, to merge with First Penn Bank, Philadelphia.
-Approved, December 1, 2006 

First California Financial Group, Los Angeles, California  -- to become a bank holding company and to acquire National Mercantile Bancorp and its subsidiaries, Mercantile National Bank and South Bay Bank, National Association, Torrance; and to merge with FCB Bancorp, Camarillo, and thereby acquire its subsidiary, First California Bank.
-Approved, November 27, 2006 

Glacier Bancorp, Inc., Kalispell, Montana  -- relief from a commitment.
-Granted, November 29, 2006 

Green Bancorp, Inc., Houston, Texas  -- to acquire Redstone Bank, N.A.
-Approved, November 28, 2006 

Olney Bancshares of Texas, Inc., Olney, Texas, and Olney Bancorp of Delaware, Inc., Wilmington, Delaware  -- to acquire InterBank, Inc., Sayre, Oklahoma, and InterBank, El City.
-Approved, November 30, 2006 

Olympic Bancorp, Inc., Port Orchard, Washington  -- waiver of application to acquire MarinerBank, Port Townsend, in connection with the merger of Olympic Bancorp's subsidiary, Kitsap Bank, Port Orchard, and MarinerBank, Port Townsend.
-Granted, November 29, 2006 

Oneida Financial MHC, Oneida, New York, and Oneida Financial Corp.  -- waiver of application to merge Vernon Bank Corporation, Vernon, with The Oneida Savings Bank, Oneida; and simultaneously the merger of National Bank of Vernon, Vernon, with The Oneida Savings Bank and State Bank of Chittenango, Chittenango.
-Granted, November 30, 2006 

The Royal Bank of Scotland Group plc, Edinburgh, Scotland; The Royal Bank of Scotland plc; RBSG International Holdings Ltd.; and Citizens Financial Group, Inc., Providence, Rhode Island  -- waiver of application for Citizens Financial Group, Inc. to merge with GreatBanc, Inc., Lisle, Illinois, in connection with the merger of Citizens Financial Group's subsidiary, Charter One Bank, N.A., Cleveland, Ohio, with GreatBanc, Inc.'s subsidiaries, First National Bank, Chicago Heights, Illinois, GreatBank, Algonquin, and GreatBank Chicago, Skokie.
-Granted, November 27, 2006 

SouthEast Bancshares, Inc., Athens, Tennessee  -- to become a bank holding company and to acquire SouthEast Bank & Trust.
-Approved, December 1, 2006 

Sun American Bank, Boca Raton, Florida  -- to acquire certain assets and assume certain liabilities of Beach Bank, North Miami Beach.
-Approved, November 29, 2006 

Armstrong Bancshares, Inc., Muskogee, Oklahoma  -- change in bank control.
-Permitted, November 29, 2006 

Peregrine Corporation, Chaska, Minnesota  -- change in bank control.
-Permitted, November 30, 2006 

Superior National Banc Holding Company, Superior, Wisconsin  -- change in bank control.
-Permitted, November 30, 2006 

Banco Bilbao Vizcaya Argentaria, S.A., Bilbao, Spain  -- extension to January 15, 2007, to acquire State National Bancshares, Inc., Fort Worth, Texas; State National Bancshares of Delaware, Inc., Dover, Delaware; and State National Bank, Fort Worth, Texas.
-Granted, November 30, 2006 

The First Bank and Trust Company, Lebanon, Virginia  -- extension to July 12, 2007, to establish a branch at 150 Peppers Ferry Road, Christiansburg.
-Granted, November 29, 2006 

Gorham Bancorp, MHC, Gorham, Maine, and Gorham Bancorp, Inc.  -- extension to December 30, 2006, to become a mutual bank holding company and a stock bank holding company, respectively, and to acquire Gorham Savings Bank.
-Granted, November 28, 2006 

M&P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan, Newport, Arkansas  -- extension to February 23, 2007, to become a bank holding company and to acquire additional shares, for a total of 26.58 percent, of M&P Community Bancshares, Inc. and thereby acquire Greers Ferry Lake State Bank, Heber Springs, and Merchants & Planters Bank, Newport; and election to become a financial holding company.
-Granted, November 28, 2006 

Ohio Valley National Bank of Henderson, Henderson, Kentucky  -- to become a member of the Federal Reserve System.
-Approved, November 30, 2006