FRB: H.2--Actions under delegated authority--Week ending October 7, 2006

Bank of the Commonwealth, Norfolk, Virginia -- to establish a branch at 2600 Taylor Road, Chesapeake.
-Approved, October 4, 2006

Bank of the Commonwealth, Norfolk, Virginia -- to establish a branch at 1020 London Boulevard, Portsmouth.
-Approved, October 4, 2006

Comerica Bank, Detroit, Michigan -- to establish branches at 800 Southeast Monterey Commons Boulevard, Stuart, Florida, and 155 East Blue Heron Boulevard, Riviera Beach.
-Approved, October 4, 2006

First Interstate Bank, Billings, Montana -- to establish a branch at 100 Hutton Ranch Road, Kalispell.
-Approved, October 6, 2006

First Security Bank of Conway, Conway, Arkansas -- to establish a branch at 624 Highway 365 South, Mayflower.
-Approved, October 5, 2006

Johnson Bank, Racine, Wisconsin -- to establish a branch at 18818 Four Peaks Boulevard, Rio Verde, Arizona, and to retain the branch at 16155 North 83rd Avenue, Peoria.
-Approved, October 4, 2006

RBC Centura Bank, Rocky Mount, North Carolina -- to establish a branch at 3151 Lawrenceville-Suwanee Road, Suwanee, Georgia.
-Approved, October 5, 2006

Bank Holding Companies

The Bank Holdings, Reno, Nevada -- waiver of application to acquire NNB Holdings, Inc. in connection with the merger of their subsidiaries, Nevada Security Bank and Northern Nevada Bank.
-Granted, October 5, 2006

Belvedere Capital Fund II, L.P., San Francisco, California, and Belvedere Capital Partners II LLC -- to engage de novo through their subsidiary, Hometown Commercial Capital, LLC, Burlingame, in funding and securitizing commercial real estate loans.
-Approved, October 2, 2006

Cathay Financial Holding Co., Ltd., Taipei, Taiwan, and Cathay Life Insurance Co., Ltd. -- to acquire up to 9.99 percent of the shares of First Financial Holding Co., Ltd. and Chinatrust Financial Holding Co., Ltd. and thereby acquire First Commercial Bank (U.S.A.), Alhambra, California, and Chinatrust Bank (U.S.A.), Torrance.
-Withdrawn, October 4, 2006

Community Bank System, Inc., Dewitt, New York -- waiver of application in connection with the merger with ONB Corporation, Clifton Springs.
-Withdrawn, October 3, 2006

First Charter Corporation, Charlotte, North Carolina -- to acquire GBC Bancorp, Inc., Lawrenceville, Georgia, and Gwinnett Banking Company.
-Approved, October 2, 2006

Gateway Banc Corp., Roscoe, Illinois -- to become a bank holding company and to acquire Gateway Community Bank.
-Approved, October 4, 2006

Lloyds TSB Group Plc, London, England, and Lloyds TSB Bank plc -- to engage de novo through a subsidiary, Scottish Widows Investment Partnership Ltd., in investment advisory activities.
-Approved, October 6, 2006

Pony Express Bancorp, Inc., Elwood, Kansas -- to acquire Bank of Paxton, Paxton, Nebraska, and to engage in lending activities.
-Approved, October 5, 2006

SouthCrest Financial Group, Inc., Fayetteville, Georgia -- to merge with Maplesville Bancorp, Maplesville, Alabama, and thereby acquire its subsidiary, Peachtree Bank.
-Approved, October 2, 2006

TriState Capital Holdings, Inc., Pittsburgh, Pennsylvania -- to become a bank holding company and to acquire TriState Capital Bank.
-Returned, October 3, 2006

U.S. Century Bancorp, Inc., Miami, Florida -- to become a bank holding company and to acquire U.S. Century Bank.
-Withdrawn, October 4, 2006

U.S. Trust Corporation, New York, New York -- relief from certain commitments.
-Granted, October 5, 2006

Banks, Nonmember, And Miscellaneous Institutions

Gardiner Savings Institution Federal Saving Bank, Gardiner, Maine -- waiver of application in connection with the acquisition of First Citizens Bank, Presque Isle.
-Granted, October 6, 2006

Change In Bank Control

Alliance Bancshares, Inc., Sulphur Springs, Texas -- change in bank control.
-Permitted, October 4, 2006

Durant Bancorp, Inc., Durant, Oklahoma -- change in bank control.
-Permitted, October 6, 2006

F.N.B. Bancorporation, Inc., Fort Mitchell, Kentucky -- change in bank control.
-Permitted, October 5, 2006

P B Bancshares, Inc., Clifton, Tennessee -- to retain control of P B Bancshares, Inc.
-Permitted, October 5, 2006

Union Bank and Trust Company, Lincoln, Nebraska -- change in bank control.
-Permitted, October 5, 2006

Competitive Factors Reports

The Bank, Woodbury, New Jersey -- report on competitive factors of the proposed merger with First Washington State Bank, Windsor.
-Submitted, October 6, 2006

CB&T Bank of Middle Georgia, Warner Robins, Georgia -- report on competitive factors of the proposed merger with The Citizens Bank, Fort Valley.
-Submitted, October 5, 2006

Citizens First Bank, Inc., Bowling Green, Kentucky -- report on competitive factors of the proposed merger with Kentucky Banking Centers, Inc., Glasgow.
-Submitted, October 6, 2006

First Fidelity Bank, Burke, South Dakota -- report on competitive factors of the proposed acquisition by merger of the Winner branch of Great Western Bank, Watertown.
-Submitted, October 5, 2006

Fulton Bank, Lancaster, Pennsylvania -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of Premier Bank, Doylestown.
-Submitted, October 6, 2006

Gateway Community Bank, Roscoe, Illinois -- report on competitive factors of the proposed merger with Republic Bank of Roscoe, an interim bank.
-Submitted, October 5, 2006

Grand Mountain Bank, FSB, Granby, Colorado -- report on competitive factors of the proposed merger with New Grand Mountain Bank, FSB.
-Submitted, October 5, 2006

Great Western Bank, Watertown, South Dakota -- report on competitive factors of the proposed acquisition of and merger with four branches of Home Federal Bank, Sioux Falls.
-Submitted, October 3, 2006

Greater Delaware Valley Savings Bank, Broomall, Pennsylvania -- report on competitive factors of the proposed merger with Alliance Interim Savings Bank.
-Submitted, October 4, 2006

Happy State Bank, Happy, Texas -- report on competitive factors of the proposed merger with American Church Trust Company, Houston.
-Submitted, October 3, 2006

Mid Penn Bank, Millersburg, Pennsylvania -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of the Steelton and Middletown branches of Omega Bank, State College.
-Submitted, October 4, 2006

United Community Bank, Blairsville, Georgia -- report on competitive factors of the proposed merger with Southern National Bank, Marietta.
-Submitted, October 5, 2006

Westfield Bank, Westfield, Massachusetts -- report on competitive factors of the proposed merger with Westfield Interim Savings Banks I, II, and III.
-Submitted, October 4, 2006

Extensions Of Time

Colorado Community Bank, Yuma, Colorado -- extension to January 7, 2007, to establish a branch at 4625 Trail Boss Drive, Castle Rock.
-Granted, October 6, 2006

IBERIABANK, Lafayette, Louisiana -- extension to October 14, 2007, to establish a branch at 338 Settlers Trace.
-Granted, October 4, 2006

Financial Holding Companies

LoLyn Financial Corporation, Raymore, Missouri -- election to become a financial holding company.
-Effective, October 4, 2006

WSB Financial Group, Inc., Bremerton, Washington -- election to become a financial holding company.
-Effective, October 3, 2006

International Operations

NOVA European Holdings Company, Minneapolis, Minnesota -- waiver of remainder of notification period to invest in Elavon Financial Services, Dublin, Ireland.
-Granted, September 29, 2006 (AC)

Membership

San Joaquin Bank, Bakersfield, California -- to become a member of the Federal Reserve System.
-Approved, October 6, 2006

Actions under delegated authority

Actions taken during the week ending October 7, 2006

Bank Branches, Domestic