Actions under delegated authority

Banco Popular North America, New York, New York  -- to establish a branch at 1861 South San Jacinto Avenue, San Jacinto, California.
-Approved, February 21, 2007 

Banco Popular North America, New York, New York  -- to establish a branch at 310 East Houston Street.
-Approved, February 21, 2007 

Riverside Bank of the Gulf Coast, Cape Coral, Florida  -- to establish a branch at 5247 Golden Gate Parkway, Naples.
-Approved, February 23, 2007 

Sky Bank, Salineville, Ohio  -- to establish a branch at Colts Complex Financial Center, 7001 West 56th Street, Indianapolis, Indiana.
-Approved, February 23, 2007 

SunTrust Bank, Atlanta, Georgia  -- to establish branches at 8001 U.S. Highway 19 North, Pinellas Park, Florida, and 4928 State Road 674, Wimauma.
-Approved, February 22, 2007 

Virginia Commerce Bank, Arlington, Virginia  -- to establish a branch at Dulles 606 Retail Center, 23510 Overland Drive, Dulles.
-Approved, February 23, 2007 

Bangor Bancorp, MHC, Bangor, Maine  -- to become a bank holding company in connection with the reorganization of Bangor Savings Bank into a mutual bank holding company structure.
-Approved, February 20, 2007 

Citizens and Northern Corporation, Wellsboro, Pennsylvania  -- waiver of application to acquire Citizens Bancorp, Inc., Coudersport, in connection with the merger of Citizens Trust Company with Citizens and Northern Bank, Wellsboro.
-Granted, February 22, 2007 

Country Bank Shares, Inc., Milford, Nebraska  -- to acquire Mid-Nebraska Company, Inc., Kearney, and Kearney State Bank and Trust Company.
-Approved, February 21, 2007 

Family Bancorp, Inc., San Antonio, Texas  -- to become a bank holding company and to acquire The First National Bank of Refugio, Refugio.
-Approved, February 22, 2007 

Farmers and Drovers Financial Corp, Council Grove, Kansas  -- to become a bank holding company and to acquire Farmers and Drovers Bank.
-Withdrawn, February 21, 2007 

First Wyoming Bancorporation, Laramie, Wyoming  -- to become a bank holding company and to acquire Wyoming State Bank.
-Approved, February 23, 2007 

Fortis S.A./N.V., Brussels, Belgium  -- relief from a commitment.
-Granted, February 16, 2007  (AC)

Heritage Bancorp, Inc., Mason, Tennessee  -- to become a bank holding company and to acquire 50 percent of the shares of Fayette Bancorp, Inc. and thereby acquire Mason Bancorp, Inc. and Bank of Mason.
-Approved, February 23, 2007 

New York Community Bancorp, Inc., Westbury, New York  -- waiver of application in connection with the merger of PennFed Financial Services, Inc., West Orange, New Jersey.
-Granted, February 22, 2007 

Park National Corporation, Newark, Ohio  -- to merge with Vision Bancshares, Inc., Panama City, Florida, and thereby acquire Vision Bank, Panama City, and Vision Bank, Gulf Shores, Alabama.
-Approved, February 21, 2007 

Regions Financial Corporation, Birmingham, Alabama  -- modification of a commitment.
-Granted, February 23, 2007 

Western Alliance Bancorporation, Las Vegas, Nevada  -- to merge with First Independent Capital of Nevada, Reno, and thereby acquire its subsidiary, First Independent Bank of Nevada.
-Approved, February 23, 2007 

Citizens Bank and Trust Company, Blackstone, Virginia  -- to increase its investment in bank premises.
-Approved, February 21, 2007 

First State Bancorporation of Watonga, Inc., Watonga, Oklahoma  -- change in bank control.
-Permitted, February 23, 2007 

FirstBank Holding Company, Lakewood, Colorado  -- to retain control of FirstBank Holding Company.
-Permitted, February 21, 2007 

Reeves Bancshares, Inc., Gould, Oklahoma  -- change in bank control.
-Permitted, February 20, 2007 

Community Bancshares of Mississippi, Inc. Employee Stock Ownership Plan, Brandon, Mississippi  -- extension to May 21, 2007, to acquire additional shares, to a maximum of 20.96 percent, of Community Bancshares of Mississippi, Inc. and thereby acquire its subsidiaries, Community Bank of Amory, Amory; Community Bank of Mississippi, Forest; Community Bank, Meridian, Meridian; Community Bank, Ellisville, Mississippi, Ellisville; Community Bank, Coast, Biloxi; Community Bank, National Association, Memphis, Tennessee; First Lucedale Bancorp, Inc., Lucedale, Mississippi; and Community Bank, National Association.
-Granted, February 21, 2007 

First California Financial Group, Los Angeles, California  -- extension to May 27, 2007, to become a bank holding company and to acquire National Mercantile Bancorp, Los Angeles, and its subsidiaries, Mercantile National Bank and South Bay Bank, N.A., Torrance; and to merge with FCB Bancorp, Camarillo, and thereby acquire its subsidiary, First California Bank.
-Granted, February 22, 2007 

Orion Bancorporation, Inc., Orion, Illinois  -- extension to June 21, 2007, to acquire First Mid-America Bancorp, Inc., Annawan, and State Bank of Annawan.
-Granted, February 23, 2007 

Federal Open Market Committee  -- minutes of the meeting on January 30-31, 2007.
-Published, February 21, 2007