FRB: H.2--Actions under delegated authority--Week ending April 7, 2007

Chemical Bank, Midland, Michigan -- to establish branches at 821 South Cambridge Street and 300 Kennely Road, Saginaw.
-Approved, April 4, 2007

Commerce Union Bank, Springfield, Tennessee -- to establish a mobile branch to serve Davidson County.
-Approved, April 4, 2007

Regions Bank, Birmingham, Alabama -- to establish branches at 3908 Veterans Boulevard, Metairie, Louisiana; 100 Morgan Keegan Drive, Little Rock, Arkansas; and Aegon Center, 400 West Market Street, Louisville, Kentucky.
-Approved, April 6, 2007

Sky Bank, Salineville, Ohio -- to establish a branch at Irvington Financial Center, 5720 East Washington Street, Indianapolis, Indiana.
-Approved, April 6, 2007

Twin City Bank, North Little Rock, Arkansas -- to establish a branch at 2302 North Reynolds Road, Bryant.
-Approved, April 4, 2007

Bank Holding Companies

BlackRidge Financial, Inc., Fargo, North Dakota -- to acquire BlackRidgeBANK, a de novo bank.
-Approved, April 6, 2007

Capital Pacific Bancorp, Portland, Oregon -- to become a bank holding company and to acquire Capital Pacific Bank.
-Approved, April 5, 2007

Central Bancompany, Jefferson City, Missouri -- to acquire Gardner Bancorp, Inc., Gardner, Kansas, and thereby acquire First Kansas Bank and Trust Company.
-Approved, April 2, 2007

Citizens Bancorp, Inc., Cadott, Wisconsin -- to become a bank holding company and to acquire Citizens State Bank.
-Approved, April 2, 2007

CNBS Financial Group, Inc., Lake Mary, Florida -- to acquire Community National Bank of the South, a de novo bank.
-Approved, April 6, 2007

The Colonial BancGroup, Inc., Montgomery, Alabama -- to merge with Commercial Bankshares, Inc., Miami, Florida, and Commercial Bank of Florida.
-Approved, April 6, 2007

Community Bancshares of Mississippi, Inc., Brandon, Mississippi -- relief from a commitment.
-Granted, April 3, 2007

First Colorado Financial Corp., Paonia, Colorado -- to become a bank holding company and to acquire First National Bank of Paonia.
-Approved, April 6, 2007

Freedom Bancorp, Huntingburg, Indiana -- to become a bank holding company and to acquire Freedom Bank.
-Approved, April 4, 2007

Oak Ridge Financial Services, Inc., Oak Ridge, North Carolina -- to become a bank holding company and to acquire Bank of Oak Ridge.
-Approved, April 2, 2007

Umpqua Holdings Corporation, Portland, Oregon -- waiver of application to merge with North Bay Bancorp, Napa, California, in connection with the merger of The Vintage Bank and Umpqua Bank, Roseburg, Oregon.
-Granted, April 3, 2007

United Community Banks, Inc., Blairsville, Georgia -- to merge with Gwinnett Commercial Group, Inc., Lawrenceville, and thereby acquire its subsidiary, First Bank of the South.
-Approved, April 5, 2007

Wells Fargo & Company, San Francisco, California -- to acquire Placer Sierra Bancshares, Sacramento, and thereby acquire Placer Sierra Bank, Auburn.
-Approved, April 5, 2007

Woodforest Financial Group, Inc., The Woodlands, Texas -- to acquire Olympic Savings, SSB, Refugio, to be known as Woodforest Bank, FSB, upon conversion from a state savings bank to a federal savings bank.
-Approved, April 5, 2007

Change In Bank Control

Andrews Holding Company, Andrews, Texas -- change in bank control.
-Permitted, April 4, 2007

Centennial Bankshares, Inc., Ogden, Utah -- to retain control of Centennial Bankshares, Inc.
-Permitted, April 4, 2007

First Financial Bancshares, Inc., Lawrence, Kansas -- change in bank control.
-Permitted, April 6, 2007

Greenwood County Financial Services, Inc., Eureka, Kansas -- change in bank control.
-Permitted, April 3, 2007

Extensions Of Time

IBERIABANK, Lafayette, Louisiana -- extension to February 12, 2007, to establish a branch at the intersection of Highland Road and Kenilworth Parkway, Baton Rouge.
-Granted, April 3, 2007

Lake City Bank, Warsaw, Indiana -- extension to August 18, 2007, to establish a branch at 6851 West Jefferson Boulevard, Fort Wayne.
-Granted, April 2, 2007

Actions under delegated authority

Actions taken during the week ending April 7, 2007

Bank Branches, Domestic

Bank Holding Companies

Change In Bank Control

Extensions Of Time