Actions under delegated authority

CapitalSouth Bank, Birmingham, Alabama  -- to establish a branch at 53 Hughes Road, Madison.
-Approved, December 13, 2006 

Fifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 421 East Route 173, Antioch, Illinois.
-Approved, December 15, 2006 

Fifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 5959 East 71st Street, Indianapolis, Indiana.
-Approved, December 15, 2006 

Fifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 8259 Clarcona Ocoee Road, Orlando, Florida.
-Approved, December 15, 2006 

Fifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 13805 Nine Eagles Drive, Tampa, Florida.
-Approved, December 15, 2006 

Fifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 2631 Muegge Road, Saint Charles, Missouri.
-Approved, December 15, 2006 

Fifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 1305 Triad Center Drive, Saint Peters, Missouri.
-Approved, December 15, 2006 

Fifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 1301 Doughtery Ferry Road, St. Louis, Missouri.
-Approved, December 15, 2006 

IBERIABANK, Lafayette, Louisiana  -- to establish a branch at Camellia Boulevard and West Kaliste Saloom Road.
-Approved, December 14, 2006 

Middleburg Bank, Middleburg, Virginia  -- to establish a branch at 8383 West Main Street, Marshall.
-Approved, December 13, 2006 

B & E Investments Inc., Bloomer, Wisconsin, and B & E Investments, Inc. (State Bank of Arcadia) Employee Stock Ownership Plan & Trust, Arcadia  -- to acquire John O. Melby & Co. Bank, Whitehall.
-Approved, December 13, 2006 

Capitol Bancorp Ltd., Lansing, Michigan, and Capitol Development Bancorp Limited VI  -- to acquire 51 percent of the shares of Larimer Commerce Bank, Fort Collins, Colorado, a de novo bank; and for Capitol Bancorp Colorado Limited II, Lansing, Michigan, to become a bank holding company and to acquire 51 percent of the shares of Larimer Commerce Bank, Fort Collins, Colorado.
-Approved, December 13, 2006 

Community Bancshares of Kansas, Inc., Goff, Kansas  -- to become a bank holding company and to acquire Nemaha Investment Company, Inc., Merriam, parent of First State Bank of Goff, Goff.
-Approved, December 11, 2006 

First Banks, Inc., Hazelwood, Missouri  -- to acquire an additional 4.09 percent, for a total of 24.99 percent, of Community West Bancshares, Goleta, California, and thereby acquire Community West Bank, National Association.
-Approved, December 12, 2006 

First Corbin Bancorp, Inc., Corbin, Kentucky  -- to acquire Boone National Bank, Burlington; Tri-County Bancorp, Inc., Corbin; Tri-County National Bank; Laurel Bancorp, Inc.; Laurel National Bank, London; Williamsburg Bancorp, Inc., Corbin; Williamsburg National Bank, Williamsburg; Campbellsville Bancorp, Inc., Corbin; Campbellsville National Bank, Campbellsville; PRP Bancorp, Inc., Corbin; PRP National Bank, Pleasure Ridge Park; Somerset Bancorp, Inc., Corbin; Somerset National Bank, Somerset; Green County Bancshares, Inc., Corbin; and Deposit Bank & Trust, Greensburg.
-Approved, December 14, 2006 

First State Bank of Uvalde, Uvalde, Texas  -- waiver of application to become a bank holding company in connection with the acquisition of Bank of Frio Canyon, Leakey.
-Granted, December 14, 2006 

FNBC Financial Corporation, Crestview, Florida  -- to become a bank holding company and to acquire First National Bank of Crestview.
-Approved, December 14, 2006 

Franklin Bancorp, Inc., dba Sunrise Community Banks, St. Paul, Minnesota  -- to acquire University Financial Corp., and thereby acquire University National Bank.
-Approved, December 11, 2006 

Glenville Bank Holding Company, Inc., Scotia, New York  -- to acquire First National Bank of Scotia.
-Approved, December 14, 2006 

HNB Bancorp, Inc., Halifax, Pennsylvania  -- to become bank holding company and to acquire Halifax National Bank.
-Withdrawn, December 11, 2006 

Ironhorse Financial Group, Inc., Norman, Oklahoma  -- to become a bank holding company and to acquire Republic Bank &Trust, and to acquire Armstrong Bancshares, Inc., Muskogee, and Armstrong Bank.
-Approved, December 12, 2006 

Manufacturers and Traders Trust Company, Buffalo, New York  -- to merge with M&T New Jersey Interim Bank, Palisades Park, New Jersey, and thereby establish a branch; and waiver of application for M&T Bank Corporation, Buffalo, New York, in connection with this merger.
-Approved, December 13, 2006 

Pacific Business Bancorp, Irvine, California  -- to become a bank holding company and to acquire Pacific Business Bank, a de novo bank, and for Pacific Business Bank to become a member of the Federal Reserve System.
-Approved, December 15, 2006 

Palmetto State Bankshares, Inc., Hampton, South Carolina  -- to acquire The Exchange Bankshares, Inc., Estill, The Exchange Bank, and Carolina Commercial Bank, Allendale.
-Approved, December 11, 2006 

Whitney Holding Corporation, New Orleans, Louisiana  -- to merge with Signature Financial Holdings, Inc., St. Petersburg, Florida, and thereby acquire Signature Bank.
-Approved, December 15, 2006 

First American Bank, Fort Dodge, Iowa  -- to merge with First American Bank, N.A. Naples, Florida, and thereby establish branches.
-Approved, December 13, 2006 

Mainstreet Bank, Ashland, Missouri  -- to purchase the assets and assume the liabilities of the Prairie Home branch of Citizens Bank & Trust Company, Chillicothe.
-Approved, December 13, 2006 

Peoples, Inc., Colorado Springs, Colorado  -- to engage in mortgage lending activities through the acquisition of a 60 percent interest in Oread Mortgage, L.L.C., Lawrence, Kansas, by Peoples Bank.
-Approved, December 11, 2006 

Banco Santander International, Miami, Florida  -- to amend its articles of association to increase capital stock.
-Approved, December 11, 2006 

Columbia Bancorp, Inc., Cincinnati, Ohio  -- change in bank control.
-Permitted, December 14, 2006 

Community Bancshares, Inc., Irvington, Illinois  -- change in bank control.
-Permitted, December 14, 2006 

Full Service Insurance Agency, Inc., Buxton, North Dakota  -- change in bank control.
-Permitted, December 11, 2006 

Mount Sterling Bancorp, Inc., Mount Sterling, Illinois  -- change in bank control.
-Permitted, December 11, 2006 

Bank of Little Rock, Little Rock, Arkansas  -- extension to April 11, 2007, to establish a branch at 1201 Rahling Road.
-Granted, December 12, 2006 

Castle Creek Capital Partners III, L.P., Rancho Santa Fe, California  -- extension to March 29, 2007, for The BANKshares, Inc., Rancho Santa Fe, to become a bank holding company and to acquire The BANKshares, Inc., Melbourne, Florida, and The Bank Brevard; and for Castle Creek Capital Partners III, L.P., Rancho Santa Fe, California; Castle Creek Capital III, LLC; Eggemeyer Capital, LLC; Ruh Capital, LLC; and Legions IV Advisory Corp. to acquire 91 percent of The BANKshares, Inc., Melbourne, Florida, and thereby acquire The Bank Brevard.
-Granted, December 11, 2006 

F. & M. Bancorp. of Tomah, Inc., Tomah, Wisconsin  -- extension to March 22, 2007, to purchase loans originated by Farmers & Merchants Bank and thereby engage in extending credit and servicing loans.
-Granted, December 13, 2006 

First National Bank Group, Inc., Edinburg, Texas  -- extension to March 11, 2007, to acquire 9.90 percent of Southside Bancshares, Inc., Tyler, and thereby acquire Southside Delaware Financial Corporation, Dover, Delaware, and Southside Bank, Tyler, Texas.
-Granted, December 11, 2006 

Great American Bank, De Soto, Kansas  -- extension to January 12, 2007, to establish branches at the intersections of Barry Road and Green Hills Road, Kansas City, Missouri, and Dean Avenue and Highway 58, Raymore.
-Granted, December 13, 2006 

Industry Bancshares, Inc., Industry, Texas, and Industry Holdings, Inc., Wilmington, Delaware  -- extension to March 20, 2007, to acquire Community Bancorporation, Inc., Bellville, and thereby acquire Bellville Holdings, Inc., Wilmington, Delaware, and First National Bank of Bellville, Bellville, Texas.
-Granted, December 14, 2006 

COMMFirst Bancorporation, Inc., South Sioux City, Nebraska  -- election to become a financial holding company.
-Effective, December 14, 2006 

First Community Bancshares, Inc., Bluefield, Virginia  -- election to become a financial holding company.
-Effective, December 15, 2006 

New York Private Bank & Trust Corporation, New York, New York, and Emigrant Bancorp, Inc.  -- election to become financial holding companies.
-Effective, December 14, 2006 

The Bank of New York, New York, New York  -- waiver of remainder of notification period for BNY International Financing Corporation to invest through BNY Holdings (UK) Limited, London, United Kingdom, in AIB/BNY Securities Services (Ireland) Limited, Dublin, Ireland; and for BNY International Financing Corporation to engage in mutual fund administration through AIB/BNY Securities Services (Ireland) Limited.
-Granted, December 15, 2006 

Nebraska Bankers' Bank, National Association, Lincoln, Nebraska  -- to retain membership in the Federal Reserve System on conversion from a national to a state charter.
-Approved, December 12, 2006