Actions under delegated authority

American Bank, Allentown, Pennsylvania  -- to establish a branch at 4261 Freemansburg Avenue, Bethlehem Township.
-Approved, February 7, 2008 

Hanmi Bank, Los Angeles, California  -- to establish branches at 22438 Golden Springs Drive, Diamond Bar, and 10180 Reseda Boulevard, Northridge.
-Approved, February 6, 2008 

Orange County Trust Company, Middletown, New York  -- to establish a branch at 91 Brookside Avenue.
-Approved, February 8, 2008 

Providence Bank, Elsberry, Missouri  -- to establish a branch at 301 Broadway, and to relocate its main office to 2415 Carter Lane, Columbia.
-Approved, February 5, 2008 

Reliant Bank, Brentwood, Tennessee  -- to establish a branch at 6005 Nolensville Pike, Nashville.
-Approved, February 8, 2008 

Sterling Bank, Lantana, Florida  -- to establish a branch at 2465 Wilton Manors Drive, Wilton Manors.
-Approved, February 8, 2008 

Warren Bank, Warren, Michigan  -- to establish a branch at 55055 Shelby Road, Shelby Township, Macomb County.
-Approved, February 7, 2008 

Anita Bancorporation, Atlantic, Iowa  -- waiver of application to acquire MetaBank West Central, Stuart, in connection with its merger with Anita Bancorporation's subsidiary, Rolling Hills Bank & Trust, Atlantic.
-Granted, February 8, 2008 

Bank of Montreal, Montreal, Canada; Harris Financial Corp., Chicago, Illinois; and Harris Bankcorp, Inc.  -- to acquire Merchants and Manufacturers Bancorporation, Inc., New Berlin, Wisconsin; Merchants Merger Corp., Brookfield; and Merchants New Merger Corp., and thereby acquire Lincoln State Bank, Milwaukee; Grafton State Bank, Grafton; Community Bank Financial, Oconto Falls; The Reedsburg Bank, Reedsburg; Fortress Bank, Westby; Wisconsin State Bank, Random Lake; Fortress Bank of Cresco, Cresco, Iowa; and shares of Central Wisconsin Financial Services, Inc., Wausau, Wisconsin, and thereby acquire Bank of Wausau.
-Approved, February 8, 2008 

Bank of Montreal, Montreal, Canada; Harris Financial Corp., Chicago, Illinois; and Harris Bankcorp, Inc.  -- to acquire Ozaukee Bank, Cedarburg, Wisconsin.
-Approved, February 8, 2008 

Capstone Bancshares, Inc., Tuscaloosa, Alabama  -- to become a bank holding company and to acquire South Alabama Holding Company, Inc., McIntosh, and its subsidiary, Southwest Bank of Alabama.
-Approved, February 4, 2008 

Community First Bancshares, Inc., Harrison, Arkansas  -- to acquire additional shares of White River Bancshares Company, Fayetteville, and thereby acquire Signature Bank.
-Approved, February 6, 2008 

ENB Financial Corporation, Ephrata, Pennsylvania  -- to become a bank holding company in connection with a reorganization of Ephrata National Bank.
-Withdrawn, February 8, 2008 

F.N.B. Corporation, Hermitage, Pennsylvania  -- waiver of application to acquire Omega Financial Corporation, State College, in connection with the merger of their subsidiaries, First National Bank of Pennsylvania, Greenville, and Omega Bank, State College.
-Granted, February 8, 2008 

FM Bancorp, Inc., Paxton, Illinois, and Farmers-Merchants National Bank of Paxton  -- request for an exemption under the Depository Institutions Management Interlocks Act and Regulation L.
-Granted, February 5, 2008 

NHB Holdings, Inc., Jacksonville, Florida, and Proficio Mortgage Ventures, LLC  -- to engage de novo in conducting mortgage banking activities through a joint venture with TheMIGroup Mortgage Resources, Whippany, New Jersey.
-Approved, February 8, 2008 

Southside Bancshares, Incorporated, Tyler, Texas  -- to acquire through its subsidiary, Southside Bank, an interest in Southside Financial Group, LLC, Arlington, and thereby engage in lending activities.
-Approved, February 6, 2008 

Sterling City Bancshares, Inc. Sterling City, Texas, and The First National Bank of Sterling City  -- waiver of application to acquire by merger Bronte Bancshares, Inc., Bronte; Bronte Bancshares - Delaware, Inc., Wilmington, Delaware; and First National Bank in Bronte, Bronte, Texas, in connection with the merger of First National Bank in Bronte and The First National Bank of Sterling City, Sterling City.
-Granted, February 8, 2008 

SunTrust Banks, Inc., Atlanta, Georgia  -- to acquire GB&T Bancshares, Inc., Gainesville, and thereby acquire its subsidiaries, Gainesville Bank & Trust; Mountain State Bank, Dawsonville; First National Bank of Gwinnett, Duluth; First National Bank of the South, Milledgeville; Home Town Bank of Villa Rica, Villa Rica; Community Trust Bank, Hiram; and United Bank & Trust Company, Rockmart.
-Approved, February 8, 2008 

Western Capital Corporation, Boise, Idaho  -- to become a bank holding company and to acquire Western Capital Bank (in organization); and for GWY, LLC, Bellevue, Washington, to become a bank holding company and to acquire shares of Western Capital Bank (in organization), Boise, Idaho.
-Approved, February 7, 2008 

Rolling Hills Bank & Trust, Atlantic, Iowa  -- to merge with MetaBank West Central, Stuart, and thereby establish branches at 615 South Division Street; 501 Sherman, Menlo; and 101 East Logan, Casey.
-Approved, February 8, 2008 

Benchmark Community Bank, Kenbridge, Virginia  -- to increase its investment in bank premises.
-Approved, February 7, 2008 

Universidad Externado de Colombia, Bogota, Colombia, Sociedades Bolivar S.A., and Banco Davivienda  -- to acquire Bancafe International, Miami, Florida.
-Approved, February 4, 2008 

Palomar Enterprises, LLC, Long Beach, California  -- change in bank control of Enterprises and its subsidiary bank, Farmers & Merchants Bank of Long Beach.
-Permitted, February 6, 2008 

Republic Trinidad Corporation, Houston, Texas  -- to retain control of Corporation and its subsidiary bank, First National Bank in Trinidad, Trinidad, Colorado.
-Permitted, February 5, 2008 

Castle Creek Capital Partners III, L.P., et al., Rancho Santa Fe, California  -- extension to May 16, 2008, to acquire shares of Centennial Bank Holdings, Inc., Denver, Colorado, and its subsidiary, Guaranty Bank and Trust Company.
-Granted, February 7, 2008 

Castle Creek Capital Partners III, LP, et al., Rancho Santa Fe, California  -- extension to May 26, 2008, to increase their interest in Atlanta Bancorporation, Atlanta, Georgia, and its subsidiary, Bank of Atlanta FSB, and thereby indirectly operate a savings association.
-Granted, February 7, 2008 

Morton Community Bank, Morton, Illinois  -- to become a member of the Federal Reserve System.
-Approved, February 8, 2008