Actions under delegated authority

Commerce Bank, Kansas City, Missouri -- to establish a branch at 8450 East Crescent Parkway, Suite 150, Greenwood Village, Colorado.
-Approved, November 28, 2011

EagleBank, Bethesda, Maryland -- to establish a branch at 2905 District Avenue, Suite 190, Fairfax, Virginia.
-Approved, December 1, 2011

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at NWC South Cobb Drive and Concord Road, Smyrna, Georgia.
-Approved, December 1, 2011

The F&M Bank & Trust Company, Tulsa, Oklahoma -- to establish a branch at 11970 North Central Expressway, Suite 210, Dallas, Texas.
-Approved, December 2, 2011

Blue Grass Bancorporation, Inc., Corning, Iowa -- to become a bank holding company and to acquire Okey-Vernon First National Bank, Corning; and to acquire 1st Choice Agency, Corning, and engage in insurance agency activities in a town with a population not exceeding 5,000.
-Approved, November 29, 2011

BNC Bancorp, Thomasville, North Carolina -- waiver of application in connection with the merger of Regent Bank, Greenville, South Carolina, with and into BNC's subsidiary bank, Bank of North Carolina, Thomasville, North Carolina; and waiver of savings and loan holding company application in connection with Bank of North Carolina's acquisition and merger with Regent Bank (a federal savings bank).
-Granted, December 2, 2011

Clayton Bancorp, Inc., Knoxville, Tennessee -- to engage in making, acquiring, brokering, or servicing loans or other extensions of credit and to engage in activities related to extending credit.
-Approved, November 28, 2011

FFD Financial Corp., Dover, Ohio -- to become a bank holding company and to acquire First Federal Community Bank, Dover, on its conversion from a thrift institution to a national bank.
-Approved, December 2, 2011

First Carolina Financial Services, Inc., Rocky Mount, North Carolina -- to become a bank holding company and to acquire shares of First Carolina State Bank, Rocky Mount, and Pisgah Community Bank, Asheville.
-Withdrawn, November 30, 2011

Midwest Bancshares, Inc., Tyndall, South Dakota -- to become a bank holding company and to acquire Security State Bank, Tyndall; to acquire Dakota Heritage State Bank, Chancellor; and to acquire Chancellor Insurance Agency, LLC, and thereby engage in insurance agency activities in a town with a population not exceeding 5,000.
-Approved, November 28, 2011

Viewpoint Financial Group, Inc., Plano, Texas -- to become a bank holding company and to acquire ViewPoint Bank, National Association, Plano.
-Approved, December 2, 2011

WCF Financial, M.H.C., Webster City, Iowa, and Webster City Federal Bancorp -- to become bank holding companies on conversion of Webster City Federal Savings Bank, Webster City, from a federal savings bank to a state-chartered bank.
-Withdrawn, November 29, 2011

First Commerce Bank, Lakewood, New Jersey -- location determination of master account at the Federal Reserve Bank of New York.
-Approved, November 30, 2011

CB Financial Corporation, Wilson, North Carolina -- change in bank control of CB Financial and its subsidiary bank, Cornerstone Bank, Wilson.
-Withdrawn, December 1, 2011

Midland States Bancorp, Inc., Effingham, Illinois -- change in bank control of Midland and its subsidiary bank, Midland States Bank, Effingham.
-Permitted, December 1, 2011

Verus Bank, N.A., Derby, Kansas -- to retain membership in the Federal Reserve System on conversion to a state-chartered bank (Verus Bank), and to increase its investment in bank premises.
-Approved, December 2, 2011

Webster City Federal Savings Bank, Webster City, Iowa -- to become a member of the Federal Reserve System on conversion from a federal savings bank to a state-chartered bank.
-Withdrawn, November 29, 2011