FRB: H.2--Actions under delegated authority--Week ending March 4, 2006

Adirondack Bank, Utica, New York -- to establish a de novo branch at 9544 Depot Street, Holland Patent.
-Approved, March 2, 2006

AmSouth Bank, Birmingham, Alabama -- to establish branches at the intersection of Highway 98 and Beckrich Road, Panama City, Florida; 2587 South County Highway 395, Santa Rosa Beach; the intersection of State Road 674 and U.S. Highway 301, Sun City Center; 7799 North Wickham Road, Melbourne; and the intersection of Steed Road and Highland Colony Parkway, Madison, Mississippi.
-Approved, March 3, 2006

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 2025 Sonoma Park Drive, Oklahoma City, Oklahoma.
-Approved, March 1, 2006

Bank of the James, Lynchburg, Virginia -- to establish a branch at 4935 Boonsboro Road, Suite C.
-Approved, March 3, 2006

Community Bank of Boone, Boone, Iowa -- to establish a branch at 1601 West Lakes Parkway, Suite 100, West Des Moines.
-Approved, February 27, 2006

Community Banks of Colorado, Greenwood Village, Colorado -- to establish a branch at 10 Crested Butte Way, Mt. Crested Butte.
-Approved, February 27, 2006

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 1379 North Shoop Avenue, Wauseon.
-Approved, March 3, 2006

First Community Bank, Taos, New Mexico -- to establish a branch at 3600 Mitchell Drive, Suite 50-B, Fort Collins, Colorado.
-Approved, March 2, 2006

Old Second Bank-Yorkville, Yorkville, Illinois -- to establish a branch at 7050 Burroughs Avenue, Plano.
-Approved, February 28, 2006

Virginia Heritage Bank, Fairfax, Virginia -- to provide a courier service to pick up noncash deposits from business customers.
-Approved, February 27, 2006

Bank Holding Companies

Bank of Choice Holding Company, Greeley, Colorado -- to acquire The First National Bank of Arvada, Arvada.
-Approved, February 28, 2006

CBS Banc-Corp, Russellville, Alabama -- to acquire Farmers Bank, Cornersville, Tennessee.
-Approved, March 3, 2006

Central Pacific Financial Corp., Honolulu, Hawaii -- relief from a certain commitment.
-Granted, March 1, 2006

Citizens Bancshares, Inc., ESOP, Edmond, Oklahoma -- to acquire up to 40 percent of the shares of Citizens Bancshares, Inc., parent of Citizens Bank of Edmond.
-Approved, February 28, 2006

Floridian Financial Group, Inc., Ormond Beach, Florida -- to become a bank holding company and to acquire Floridian Bank, a de novo bank.
-Approved, February 27, 2006

Iowa State Bank Holding Company, Des Moines, Iowa -- to hold real estate for the purpose of economic development.
-Withdrawn, February 28, 2006

Peoples Bancshares of TN, Inc., Madisonville, Tennessee -- to become a bank holding company and to acquire Peoples Bank of East Tennessee.
-Approved, March 3, 2006

Wells Fargo & Company, San Francisco, California -- to acquire Fremont National Bank of Canon City, Canon City, Colorado, and Centennial Bank of Pueblo, Pueblo.
-Approved, February 28, 2006

Wintrust Financial Corporation, Lake Forest, Illinois -- to acquire Old Plank Trail Community Bank, National Association, New Lenox, a de novo bank.
-Approved, February 28, 2006

Banks, Foreign

State Export-Import Bank of Ukraine, Inc., Kiev, Ukraine -- to establish a representative office in New York, New York.
-Withdrawn, March 3, 2006

Change In Bank Control

Sequatchie County Bancorp, Inc., Dunlap, Tennessee -- change in bank control.
-Permitted, March 3, 2006

Wilburton State Bancshares, Inc., Wilburton, Oklahoma -- change in bank control.
-Withdrawn, March 1, 2006

Competitive Factors Reports

The Columbia Bank, Columbia, Maryland -- report on competitive factors of the proposed purchase of certain assets and assumption of liabilities of the Frederick branch of Hagerstown Trust Company, Hagerstown.
-Submitted, February 28, 2006

Commercebank, National Association, Coral Gables, Florida -- report on competitive factors of the proposed merger with Florida Savings Bank, Pinecrest.
-Submitted, February 27, 2006

First-Citizens Bank & Trust Company, Raleigh, North Carolina -- report on competitive factors of the proposed merger with First Citizens Bank, National Association, Roanoke, Virginia.
-Submitted, February 28, 2006

Pacific Western National Bank, Santa Monica, California -- report on competitive factors of the proposed merger with Foothill Independent Bank, Glendora.
-Submitted, March 2, 2006

United Community Bank, Blairsville, Georgia -- report on competitive factors of the proposed merger with United Community Bank Tennessee, Lenior City, Tennessee.
-Submitted, February 28, 2006

Walden Federal Savings & Loan Association, Walden, New York -- report on competitive factors of the proposed merger with Interim I and Interim II, in connection with the conversion and reorganization of Hometown Bancorp MHC.
-Submitted, February 28, 2006

Extensions Of Time

CenterBank Financial, Inc., Northfield, Illinois -- extension to May 29, 2006, to become a bank holding company and to acquire CenterBank and Trust, National Association, Deerfield, a de novo bank.
-Granted, February 27, 2006

First Wyoming Financial Corporation, Wyoming, Delaware -- extension to June 5, 2006, to become a bank holding company and to acquire First National Bank of Wyoming.
-Granted, March 3, 2006

Gateway Financial Holdings, Inc., Elizabeth City, North Carolina -- extension to June 5, 2006, to acquire up to 9.9 percent of the shares of Commonwealth Bankshares, Inc., Norfolk, Virginia, and thereby acquire up to 9.9 percent of the shares of Bank of the Commonwealth.
-Granted, March 1, 2006

Hamilton State Bancshares, Inc., Braselton, Georgia -- extension to June 15, 2006, to become a bank holding company and to acquire Hamilton State Bank.
-Granted, February 28, 2006

Iowa State Bank, Wapello, Iowa -- extension to May 23, 2006, to establish a branch at 1403 South Roosevelt Avenue, Burlington.
-Granted, February 27, 2006

Financial Holding Companies

First National of Illinois, Inc., Omaha, Nebraska -- election to become a financial holding company.
-Effective, March 2, 2006

Ohnward Bancshares, Inc., Maquoketa, Iowa -- election to become a financial holding company.
-Effective, March 2, 2006

Regulations And Policies

Regulation AA (Unfair or Deceptive Acts or Practices) -- technical amendments to update the addresses of the Federal Reserve Banks where consumer complaints regarding a state member bank may be sent (Docket No. R-1252).
-Approved, March 1, 2006

Regulation B (Equal Credit Opportunity) -- technical amendments to update the addresses of certain federal enforcement agencies (Docket No. R-1251).
-Approved, March 1, 2006

Actions under delegated authority

Actions taken during the week ending March 4, 2006

Bank Branches, Domestic