Actions under delegated authority

Chemical Bank, Midland, Michigan  -- to establish a branch at 12368 Riley Street, Holland.
-Approved, May 16, 2006 

Comerica Bank, Detroit, Michigan  -- to establish a branch at 3110 Crow Canyon Place, San Ramon, California.
-Approved, May 18, 2006 

The Connecticut Bank & Trust Company, Hartford, Connecticut  -- to establish a de novo branch in Newington.
-Approved, May 18, 2006 

Fifth Third Bank, Cincinnati, Ohio  -- to establish a branch at 1029 Washington Pike, Bridgeville, Pennsylvania.
-Approved, May 15, 2006 

Fifth Third Bank, Cincinnati, Ohio  -- to establish a branch at 3964 Fulton Drive, Northwest, Canton.
-Approved, May 19, 2006 

Fifth Third Bank, Cincinnati, Ohio  -- to establish a branch at 790 Gardner Road, Springboro.
-Approved, May 19, 2006 

First Florida Bank, Naples, Florida  -- to establish a branch at 101 Center Road, Venice.
-Approved, May 19, 2006 

First State Bank of St. Robert, Saint Robert, Missouri  -- to establish a branch at 2365 North Highway 17, Iberia.
-Approved, May 15, 2006 

First State Bank, Wheatland, Wyoming  -- to establish a branch at 250 West Whalen, Guernsey; and to increase its investment in bank premises.
-Approved, May 15, 2006 

Home Valley Bank, Cave Junction, Oregon  -- to establish a branch at 5080 Monument Drive, Grants Pass.
-Approved, May 17, 2006 

Independent Bank of Texas, Irving, Texas  -- to establish a courier service branch to conduct business in Collin and Denton counties.
-Approved, May 15, 2006 

Lake City Bank, Warsaw, Indiana  -- to establish a branch at Tract 1 and Tract 2 in the Plat of West Jefferson Market Square, West Jefferson Boulevard, Fort Wayne.
-Approved, May 18, 2006 

The Park Avenue Bank, Valdosta, Georgia  -- to establish a branch at 1081 Parkway Place, Watkinsville.
-Approved, May 19, 2006 

Peapack-Gladstone Bank, Gladstone, New Jersey  -- to establish a branch at 15 Mountain View Road, Warren.
-Approved, May 17, 2006 

Rockford Bank and Trust Company, Rockford, Illinois  -- to establish a temporary branch at 1133 Quail Court, Suite 100, Pewaukee, Wisconsin, and subsequently to establish a permanent branch at 1215 Georgetowne Drive.
-Approved, May 15, 2006 

Sun American Bank, Miami, Florida  -- to retain the branch at 2000 PGA Boulevard, Building E, Palm Beach Gardens.
-Approved, May 18, 2006 

Birmingham Bloomfield Bancshares, Inc., Birmingham, Michigan  -- to become a bank holding company and to acquire Bank of Birmingham, a de novo bank.
-Approved, May 17, 2006 

Chicopee Bancorp, Inc., Chicopee, Massachusetts  -- to become a bank holding company and to acquire Chicopee Savings Bank on its conversion from a mutual to a stock structure.
-Approved, May 16, 2006 

Community Bank Shares of Indiana, Inc., New Albany, Indiana  -- to acquire The Bancshares, Inc., Scottsburg, and thereby acquire The Scott County State Bank; and for CBIN Subsidiary, Inc., New Albany, to become a bank holding company and to acquire The Bancshares, Inc., Scottsburg, and The Scott County State Bank.
-Approved, May 15, 2006 

ES Bancshares, Inc., Newburgh, New York  -- to become a bank holding company and to acquire Empire State Bank, National Association.
-Approved, May 18, 2006 

The Farmers State Bank of Fort Morgan Colorado Employee Stock Ownership Plan, Fort Morgan, Colorado  -- to acquire up to 38 percent of the shares of F.S.B. Bancorporation of Fort Morgan, Colorado, parent of Framers State Bank of Fort Morgan.
-Approved, May 17, 2006 

FEB Bancshares, Inc., Louisville, Alabama  -- to become a bank holding company and to acquire Farmers Exchange Bank.
-Approved, May 18, 2006 

First Horizon National Corporation, Memphis, Tennessee  -- to acquire The State Bank, Rocky Ford, Colorado.
-Approved, May 18, 2006 

First Suffield Financial, Inc., Suffield, Connecticut  -- to become a bank holding company and to acquire The First National Bank of Suffield.
-Approved, May 18, 2006 

JAG Financial, Inc., Saint Paul, Minnesota  -- to become a bank holding company and to acquire The EastBank Corporation, Minneapolis, and thereby acquire EastBank.
-Approved, May 19, 2006 

Mid-Missouri Bancshares, Inc., Springfield, Missouri  -- waiver of application to merge with Central States Bancshares, Inc. and First Financial Bancshares, Inc. and to merge its subsidiary, Webb City Bank, Webb City, with Mid-Missouri Bank, Springfield; and for Mid-Missouri Bank to purchase the assets and assume the liabilities of First National Bank of Mt. Vernon, Mt. Vernon, after its merger with First National Bank of Goodland, Goodland, Kansas.
-Returned, May 18, 2006 

Monarch Community Bancorp, Inc., Coldwater, Michigan  -- to become a bank holding company and to acquire Monarch Community Bank.
-Approved, May 18, 2006 

Riverside Central Florida Banking Company, Winter Park, Florida  -- commitment relief request.
-Withdrawn, May 16, 2006 

Rock River Bancorporation, Inc., Oregon, Illinois, and Legacy Integrity Group, Inc., Scottsdale, Arizona  -- to acquire 51 percent of the shares of Berry-Shino Securities, Inc. and thereby engage in financial and advisory activities, securities brokerage, and private placement services.
-Approved, May 17, 2006 

S & T Bancorp, Inc., Indiana, Pennsylvania  -- to acquire up to 24.99 percent of the shares of Allegheny Valley Bancorp, Inc., Pittsburgh.
-Approved, May 17, 2006 

Skagit State Bancorp, Burlington, Washington  -- to become a bank holding company and to acquire Skagit State Bank.
-Approved, May 15, 2006 

Triumph Bancshares, Inc., Germantown, Tennessee  -- to become a bank holding company and to acquire Triumph Bank, a de novo bank.
-Approved, May 18, 2006 

Sky Financial Group, Inc., Bowling Green, Ohio  -- to acquire Waterfield Mortgage Company, Inc., Fort Wayne, Indiana, and Union Federal Bank of Indianapolis, Indianapolis.
-Approved, May 16, 2006 

Farmers Bank and Trust Company, Blytheville, Arkansas  -- to make an additional investment in bank premises.
-Approved, May 15, 2006 

Coushatta Bancshares, Inc., Coushatta, Louisiana  -- to retain control of Coushatta Bancshares, Inc.
-Permitted, May 16, 2006 

Bank of North Carolina, Thomasville, North Carolina  -- report on competitive factors of the proposed merger with SterlingBank & Trust Company, Greensboro.
-Submitted, May 18, 2006 

Cadence Bank, N.A., Starkville, Mississippi  -- report on competitive factors of the proposed merger with SunCoast Bank, Sarasota, Florida.
-Submitted, May 17, 2006 

Harris National Association, Chicago, Illinois  -- report on competitive factors of the proposed merger with Mercantile National Bank of Indiana, Hammond, Indiana.
-Submitted, May 15, 2006 

Mid-Missouri Bank, Springfield, Missouri  -- report on competitive factors of the proposed merger of Webb City Bank, Webb City, with The First National Bank of Mount Vernon, Mount Vernon; and of the proposed purchase of assets and assumption of the deposit liabilities of three Missouri branches of First National Bank, Goodland.
-Submitted, May 19, 2006 

Republic First Bank, Philadelphia, Pennsylvania  -- report on competitive factors of the proposed merger with Republic First Bank of New Jersey, Voorhees, New Jersey.
-Submitted, May 15, 2006 

United Valley Bank, Argyle, Minnesota  -- report on competitive factors of the proposed merger with United Valley Bank, Cavalier, North Dakota.
-Submitted, May 15, 2006 

BankEast, Knoxville, Tennessee  -- extension to June 2, 2007, to establish a branch at 6000 Kingston Pike.
-Granted, May 17, 2006 

Capitol Bancorp, Ltd., Lansing, Michigan  -- extension to August 16, 2006, to acquire 51 percent of the shares of Bank of Valdosta, Valdosta, Georgia, a de novo bank.
-Granted, May 19, 2006 

Citizens Bancshares, Inc., ESOP, Edmond, Oklahoma  -- extension to August 28, 2006, to acquire up to 40 percent of the shares of Citizens Bancshares, Inc., parent of Citizens Bank of Edmond.
-Granted, May 18, 2006 

Triumph Bank, Germantown, Tennessee  -- to become a member of the Federal Reserve System.
-Approved, May 16, 2006