Actions under delegated authority

Actions taken during the week ending March 8, 2008

Bank Branches, Domestic

St. Louis

Arvest Bank, Fayetteville, Arkansas -- to establish a branch at 11207 South State Highway 51 in the Wal-Mart Supercenter, Coweta, Oklahoma.
-Approved, March 3, 2008

Atlanta

SmartBank, Pigeon Forge, Tennessee -- to establish a branch at 570 East Parkway, Gatlinburg.
-Approved, March 5, 2008

Bank Holding Companies

Richmond

Alliance Financial Corporation, Gastonia, North Carolina -- to become a bank holding company and to acquire Alliance Bank & Trust Company.
-Returned, March 3, 2008

Dallas

Andrews Holding Company, Andrews, Texas -- to acquire Kent County State Bank, Jayton.
-Approved, March 6, 2008

St. Louis

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri -- to increase its ownership of Cabool Bancshares, Inc., and thereby increase its indirect control of Cabool State Bank.
-Approved, March 6, 2008

Kansas City

HOTC Investment Company, Wray, Colorado -- to become a bank holding company and to acquire Wray State Bank.
-Approved, March 3, 2008

Chicago

Kerndt Bank Services, Inc., Lansing, Iowa -- to acquire Family Merchants Bancorporation, Inc., Cedar Rapids, and thereby acquire Family Merchants Bank.
-Approved, March 4, 2008

Kansas City

New Mexico Banquest Corporation, Santa Fe, New Mexico -- waiver of application to acquire FirstBank of Breckenridge, Breckenridge, Colorado, in connection with its merger with Corporation's subsidiary, First National Bank of Santa Fe, Santa Fe, New Mexico.
-Granted, March 3, 2008

Kansas City

Osage Bancshares, Inc., Pawhuska, Oklahoma, and Osage Federal Bank -- waiver of application to acquire Barnsdall State Bank, Barnsdall, in connection with its merger with Bancshares' federal savings bank subsidiary, Osage Federal Bank.
-Granted, March 7, 2008

Bank Mergers

Atlanta

Compass Bank, Birmingham, Alabama -- to merge with The Laredo National Bank, Laredo, Texas; State National Bank, Fort Worth; and Texas State Bank, McAllen, and thereby establish branches.
-Approved, March 5, 2008

Extensions Of Time

Kansas City

The Citizens Bank of Edmond, Edmond, Oklahoma -- extension to July 19, 2008, to establish a branch at the corner of Pennsylvania Avenue and 164th Street, Oklahoma City.
-Granted, March 6, 2008

Richmond

Virginia Business Bank, Richmond, Virginia -- extension to September 21, 2008, to provide a courier service to pick up deposits from customers.
-Granted, March 6, 2008