FRB: H.2--Actions under delegated authority--Week ending January 27, 2007

Bank of the Commonwealth, Norfolk, Virginia -- to establish a branch at 8468 Caratoke Highway, Powells Point, North Carolina.
-Approved, January 24, 2007

First Commercial Bank of Florida, Orlando, Florida -- to establish a branch at 800 Deltona Boulevard, Deltona.
-Approved, January 25, 2007

Manufacturers and Traders Trust Company, Buffalo, New York -- to establish a branch at 313 Ushers Road, Ballston Lake.
-Approved, January 26, 2007

Bank Holding Companies

Bancorp Financial, Inc., Evergreen Park, Illinois -- to become a bank holding company and to acquire Evergreen Community Bank.
-Approved, January 24, 2007

City National Corporation, Beverly Hills, California -- to merge with Business Bank Corporation, Las Vegas, Nevada, and thereby acquire Business Bank of Nevada.
-Approved, January 25, 2007

Danvers Bancorp, Inc., Danvers, Massachusetts -- to acquire BankMalden Cooperative Bank, Malden.
-Approved, January 24, 2007

EHPW Acquisition Company, Harrisburg, Pennsylvania -- to become a bank holding company and to acquire Vartan National Bank and Vartan Financial Corporation.
-Approved, January 23, 2007

Fairfield Financial Holding Corp., Fairfield, Washington -- to become a bank holding company and to acquire Bank of Fairfield.
-Withdrawn, January 26, 2007

First American Financial Holdings, Inc., Nashville, Tennessee -- to become a bank holding company and to acquire Planters Bank of Tennessee, Maury City.
-Approved, January 22, 2007

First Fidelity Bancorp, Inc., Oklahoma City, Oklahoma -- to acquire Western Security Holding Co., Ltd., Scottsdale, Arizona, and thereby acquire Western Security Bank.
-Approved, January 24, 2007

First Sleepy Eye Bancorporation, Inc., Sioux Falls, South Dakota -- to acquire Lake Benton Bancorporation, Inc., Sioux Falls, and thereby acquire First Security Bank-Lake Benton, Lake Benton, Minnesota.
-Approved, January 22, 2007

Franklin Resources, Inc., San Mateo, California -- to retain control of 24.4 percent of the shares of First Chicago Bancorp, Chicago, Illinois, and thereby retain control of its subsidiary, First Chicago Bank & Trust.
-Approved, January 25, 2007

Larch Bancorporation, Inc., Larchwood, Iowa -- waiver of application to acquire George State Bank, George, in connection with the merger of George State Bank with Security Savings Bank, Larchwood.
-Granted, January 26, 2007

Marshall & Ilsley Corporation, Milwaukee, Wisconsin -- to acquire United Heritage Bankshares of Florida, Inc., Longwood, Florida, and thereby acquire United Heritage Bank.
-Approved, January 26, 2007

Prosperity Bancshares, Inc., Houston, Texas -- waiver of application requirement to merge with Texas United Bancshares, Inc., La Grange, and thereby acquire State Bank; Gateway National Bank, Dallas; GNB Financial N.A., Gainesville; and Northwest Bank, Roanoke.
-Granted, January 26, 2007

Sandy Spring Bancorp, Inc., Olney, Maryland -- to acquire Potomac Bank of Virginia, Fairfax, Virginia; and for Sandy Spring Bank, Olney, Maryland, to merge with Potomac Bank of Virginia and retain the acquired facilities as branches.
-Approved, January 24, 2007

Signature Bancshares, Inc., Sandy Springs, Georgia -- to become a bank holding company and to acquire Signature Bank of Georgia, Dunwoody.
-Approved, January 26, 2007

Bank Mergers

First Banks, Inc., Hazelwood, Missouri, and The San Francisco Company, Clayton -- to acquire Royal Oaks Bancshares, Inc., Houston, Texas, and thereby acquire Royal Oaks Bank, SSB; and for First Bank, St. Louis, Missouri, to merge with Royal Oaks Bank, SSB and retain the acquired facilities as branches.
-Approved, January 25, 2007

Change In Bank Control

Coastal Bankshares, Inc., Savannah, Georgia -- change in bank control.
-Permitted, January 23, 2007

First Fidelity Bancorp, Inc., Oklahoma City, Oklahoma -- change in bank control.
-Permitted, January 24, 2007

Competitive Factors Reports

Evergreen Community Bank, Evergreen Park, Illinois -- report on competitive factors of the proposed merger with Evergreen Interim Bank.
-Submitted, January 26, 2007

Extensions Of Time

New York Private Bank & Trust Corporation, New York, New York; Emigrant Bancorp, Inc.; and Emigrant Bank -- extension to February 9, 2007, to acquire EmigrantDirect Bank, Ossining, a de novo bank.
-Granted, January 26, 2007

AmSouth Bank, Birmingham, Alabama -- extension to February 21, 2008, to establish a branch at the intersection of Memorial Parkway and Lokey Avenue, Murfreesboro, Tennessee.
-Granted, January 23, 2007

AmSouth Bank, Birmingham, Alabama -- extension to April 19, 2008, to establish a branch at the intersection of Highway 98 and Front Beach Road, Panama City Beach, Florida.
-Granted, January 23, 2007

Oglethorpe Bank Holding Company, Brunswick, Georgia -- extension to May 17, 2007, to become a bank holding company and to acquire Oglethorpe Bank.
-Granted, January 22, 2007

Virginia Commerce Bank, Arlington, Virginia -- extension to July 26, 2007, to establish a branch at Ryan Park Center and Yukon Drive, Ashburn.
-Granted, January 22, 2007

Membership

Anchor Commercial Bank, Juno Beach, Florida -- to become a member of the Federal Reserve System.
-Approved, January 26, 2007

Actions under delegated authority

Actions taken during the week ending January 27, 2007