Actions under delegated authority

Comerica Bank, Dallas, Texas  -- to establish branches at 5925 Overton Ridge Boulevard, Fort Worth; 4351 Western Center Boulevard; 421 West 3rd Street; 8422 Dallas Parkway, Frisco; and 13200 N I H 35, Austin.
-Approved, October 29, 2008 

Compass Bank, Birmingham, Alabama  -- to establish branches at 280 West 136th Avenue, Denver, Colorado; 450 Highway 528, Bernalillo, New Mexico; 3830 Gulf Shores Parkway, Gulf Shores, Alabama; 1805 East Main Street, Prattville; 4401 Basswood Boulevard, Fort Worth, Texas; and 4200 Highway 360, Fort Worth.
-Approved, October 30, 2008 

MetroBank of Dade County, Miami, Florida  -- to establish a branch at 11715 West Okeechobee Road, Hialeah Gardens.
-Approved, October 30, 2008 

Old Line Bank, Bowie, Maryland  -- to establish a branch at 1641 State Route 3 North, Crofton.
-Approved, October 30, 2008 

SunTrust Bank, Atlanta, Georgia  -- to establish a branch at 14100 Whitney Road, Gainesville, Virginia.
-Withdrawn, October 30, 2008 

Broward Financial Holdings, Inc., Fort Lauderdale, Florida  -- to become a bank holding company and to acquire Broward Bank of Commerce (in organization), Fort Lauderdale.
-Approved, October 31, 2008 

Campello Bancorp, Brockton, Massachusetts  -- to acquire The Community Bank, A Massachusetts Co-operative Bank, Brockton, in connection with the conversion of Campello from mutual to stock form.
-Approved, October 31, 2008 

Commerce Bancshares Inc., Franklin, Tennessee  -- to engage de novo in management consulting activities.
-Withdrawn, October 29, 2008 

First Artesia Bancshares, Inc., Artesia, New Mexico  -- to acquire AmFin Holding Company, Silver City, and thereby acquire AmBank.
-Approved, October 28, 2008 

First Bank & Trust Company, Wagoner, Oklahoma  -- waiver of application to acquire Green Country Bancorporation, Inc., Ketchum, and its subsidiary bank, The First State Bank, in connection with the merger of First Bank & Trust Company, Wagoner, and The First State Bank, Ketchum.
-Granted, October 27, 2008 

First Sentry Bancshares, Inc., Huntington, West Virginia  -- waiver of application to acquire Guaranty Financial Services, Inc., Huntington, and Guaranty Bank and Trust, in connection with the merger of Guaranty Bank and Trust and First Sentry Bank.
-Granted, October 27, 2008 

Illinois National Bancorp, Inc., Springfield, Illinois  -- to engage de novo in lending activities.
-Approved, October 31, 2008 

ST Financial Group, Inc., Montgomery, Texas  -- to become a bank holding company and to acquire Snook Bancshares, Inc., Snook, and thereby acquire First Bank of Snook.
-Approved, October 30, 2008 

Wells Fargo Bank, National Association, Sioux Falls, South Dakota  -- request for an exemption from section 23A of the Federal Reserve Act and Regulation W to purchase certain assets and loan commitments from four nonbank affiliates: The Foothill Group, Inc., Santa Monica, California; Wells Fargo Foothill, Inc.; Wells Fargo Trade Capital, Inc., New York, New York; and Wells Fargo Retail Finance II, LLC, Boston, Massachusetts, in connection with the reorganization of these affiliates into Wells Fargo Bank.
-Granted, October 29, 2008 

Fifth Third Bank, Grand Rapids, Michigan  -- to assume the deposits and purchase certain assets of Freedom Bank, Bradenton, Florida.
-Approved, October 31, 2008 

First State Bank, Conway, Arkansas  -- to merge with Marine Bank, Marathon, Florida, and thereby establish branches.
-Approved, October 27, 2008 

First Arkansas Bancshares, Inc., Jacksonville, Arkansas  -- change in bank control of First Arkansas and its subsidiary bank, First Arkansas Bank and Trust, Jacksonville.
-Permitted, October 30, 2008 

Hometown Bancshares, Inc., Hamilton, Alabama  -- change in bank control of Hometown and its subsidiary bank, PeoplesTrust Bank, Hamilton.
-Permitted, October 28, 2008 

Bank of the Commonwealth, Norfolk, Virginia  -- extension to February 1, 2009, to establish a branch at 221 Western Avenue, Suffolk.
-Granted, October 29, 2008 

Crescent Capital VI LLC, Bellevue, Washington  -- extension to February 5, 2009, to become a bank holding company and to acquire shares of Cowlitz Bancorp, Longview, and Cowlitz Bank.
-Granted, October 30, 2008 

NRBC Holding Corporation, Chicago, Illinois  -- extension to February 1, 2009, to become a bank holding company and to acquire The National Republic Bank of Chicago, Chicago.
-Granted, October 31, 2008 

JJR Holding Company, Inc., Brick, New Jersey  -- election to become a financial holding company.
-Effective, October 29, 2008 

Anson Bank & Trust Co., Wadesboro, North Carolina  -- to become a member of the Federal Reserve System.
-Approved, October 29, 2008 

Bank of Stanly, Albemarle, North Carolina  -- to become a member of the Federal Reserve System.
-Approved, October 29, 2008 

Cabarrus Bank & Trust Company, Concord, North Carolina  -- to become a member of the Federal Reserve System.
-Approved, October 29, 2008 

Short-term Interest Rates  -- decrease in the target for the federal funds rate from 1-1/2 percent to 1 percent.
-Approved, October 29, 2008