FRB: H.2--Actions under delegated authority--Week ending October 15, 2005

Comerica Bank, Detroit, Michigan -- to establish a branch at 3001 North Tamiami Trail, Naples, Florida.
-Approved, October 13, 2005

Commercial Bank, Harrogate, Tennessee -- to establish a branch at 2320 South U.S. Highway 421, Harlan, Kentucky.
-Approved, October 13, 2005

Farmers & Merchants Bank, Timberville, Virginia -- to establish a branch at 1085 Port Republic Road, Harrisonburg.
-Approved, October 12, 2005

Fifth Third Bank, Cincinnati, Ohio -- to establish a branch at 2151 Schorray Drive, Lancaster.
-Approved, October 11, 2005

IBERIABANK, Lafayette, Louisiana -- to establish a branch at 338 Settlers Trace.
-Approved, October 14, 2005

IBERIABANK, Lafayette, Louisiana -- to establish a branch at 1100 East Main Street, Broussard.
-Approved, October 14, 2005

Regions Bank, Birmingham, Alabama -- to establish a branch at 4725 South Flamingo Road, Cooper City, Florida.
-Approved, October 11, 2005

Bank Holding Companies

1st Advantage Bancshares, Inc., St. Peters, Missouri -- to become a bank holding company and to acquire 1st Advantage Bank.
-Approved, October 13, 2005

Bank of America Corporation, Charlotte, North Carolina -- to acquire certain assets and assume certain liabilities of Works, Inc., Austin, Texas.
-Approved, October 14, 2005

Bridgewater Bancshares, Inc., Bloomington, Minnesota -- to become a bank holding company and to acquire Bridgewater Bank, a de novo bank.
-Approved, October 12, 2005

CNB Financial Corporation, Worcester, Massachusetts -- to become a bank holding company and to acquire Commonwealth National Bank.
-Approved, October 11, 2005

Commonwealth Bank of Australia, Sydney, Australia -- for its subsidiary, CommSec LLC, New York, New York, to engage in securities brokerage, private placement, and other transactional services.
-Approved, October 11, 2005

Enterprise Financial Services Group, Inc., Allison Park, Pennsylvania -- to become a bank holding company and to acquire Enterprise Bank; and for Enterprise Employee Stock Ownership Plan to become a bank holding company and to acquire 22 percent of the shares of Enterprise Financial Services Group.
-Returned, October 13, 2005

First Midwest Bancorp, Inc., Itasca, Illinois -- to acquire at least 15 percent of the shares of Textura, LLC, Lake Bluff, and thereby engage in providing data processing services.
-Approved, October 13, 2005

German American Bancorp, Jasper, Indiana -- to acquire 9.8 percent of the shares of Eclipse Bank, Inc., Louisville, Kentucky, a de novo bank.
-Approved, October 12, 2005

Main Banc, Inc., Albuquerque, New Mexico -- to become a bank holding company and to acquire Interamerica Bank.
-Approved, October 11, 2005

Newnan Coweta Bancshares, Inc., Newnan, Georgia -- relief from a commitment.
-Withdrawn, October 13, 2005

North American Bancshares, Inc., Sherman, Texas, and Texoma Holding Company Inc., Dover, Delaware -- to acquire State Bank and Trust of Seguin, Seguin, Texas.
-Approved, October 13, 2005

Regions Financial Corporation, Birmingham, Alabama -- request for an exemption under the Depository Institutions Management Interlocks Act and Regulation L.
-Granted, October 14, 2005

Change In Bank Control

General Bancshares, Inc., Jasper, Tennessee -- change in bank control.
-Withdrawn, October 11, 2005

Competitive Factors Reports

Border State Bank, Greenbush, Minnesota -- report on competitive factors of the proposed merger with Border State Bank of International Falls, International Falls.
-Submitted, October 14, 2005

Brill State Bank, Rice Lake, Wisconsin -- report on competitive factors of the proposed merger with Brill Investments, Pahrump, Nevada.
-Submitted, October 11, 2005

Buena Vista National Bank of Chester, Chester, Illinois -- report on competitive factors of the proposed merger with Citizens Community Bank of Decatur, Decatur.
-Submitted, October 13, 2005

Commercebank, National Association, Coral Gables, Florida -- report on competitive factors of the proposed purchase and assumption of certain deposits of the Miami branch of Banco de Sabadell, S.A., Miami.
-Submitted, October 11, 2005

Commonwealth National Bank, Worcester, Massachusetts -- report on competitive factors of the proposed merger with CNB Interim National Bank.
-Submitted, October 11, 2005

Enfield Federal Savings and Loan Association, Enfield, Connecticut -- report on competitive factors of the proposed corporate reorganization from a mutual holding company to a stock holding company structure.
-Submitted, October 13, 2005

The First Bank of Brunswick, Brunswick, Georgia -- report on competitive factors of the proposed merger with First National Bank, St. Marys.
-Submitted, October 12, 2005

First South Bank, Bolivar, Tennessee -- report on competitive factors of the proposed purchase of certain assets and assumption of deposit liabilities of two Dyersburg branches of First Tennessee Bank, N.A., Memphis.
-Submitted, October 12, 2005

First State Bank of Eldorado, Eldorado, Illinois -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of the Evansville, Indiana, branch of The First National Bank of Dana, Dana.
-Submitted, October 14, 2005

First Tennessee Bank National Association Memphis, Memphis, Tennessee -- report on competitive factors of the proposed merger with Town and Country Bank of the Ozarks, Republic, Missouri.
-Submitted, October 12, 2005

Flag Bank, Atlanta, Georgia -- report on competitive factors of the proposed merger with First Capital Bank, Norcross.
-Submitted, October 14, 2005

The Grant County Bank, Petersburg, West Virginia -- report on competitive factors of the proposed merger with The National Bank of Davis, Davis.
-Submitted, October 12, 2005

Mid-Missouri Bank, Springfield, Missouri -- report on competitive factors of the proposed purchase of assets and assumption of deposit liabilities of the Republic branch of First Tennessee Bank, N.A., Memphis, Tennessee.
-Submitted, October 12, 2005

Patriot Bank, Houston, Texas -- report on competitive factors of the proposed merger with Farmers and Merchants State Bank, Ladonia.
-Submitted, October 11, 2005

Roundbank, Waseca, Minnesota -- report on competitive factors of the proposed merger with American Savings, Inc., Farmington.
-Submitted, October 14, 2005

Sun National Bank, Vineland, New Jersey -- report on competitive factors of the proposed merger with Advantage Bank, Branchburg.
-Submitted, October 12, 2005

Extensions Of Time

Bank of America Corporation, Charlotte, North Carolina -- commenter's request for an additional extension of the comment period on the application to acquire MBNA Corporation, Wilmington, Delaware.
-Denied, October 12, 2005

The Citizens Bank of Edmond, Edmond, Oklahoma -- extension to January 16, 2006, to establish a branch at 855 West Covell Road.
-Granted, October 14, 2005

East Penn Bank, Emmaus, Pennsylvania -- extension to October 14, 2006, to establish a branch at 502 State Road, Borough of Emmaus.
-Granted, October 14, 2005

Regions Bank, Birmingham, Alabama -- extension to October 18, 2006, to establish a branch on Ocoee Crossing, Cleveland, Tennessee.
-Granted, October 13, 2005

Regions Bank, Birmingham, Alabama -- extension to November 15, 2006, to establish a branch at the intersection of Wilson Park Avenue and FM 620, Four Points, Texas.
-Granted, October 13, 2005

Membership

Cross Country Bank, Wynne, Arkansas -- to become a member of the Federal Reserve System.
-Approved, October 13, 2005

Regulations And Policies

Federal Open Market Committee -- minutes of the meeting on September 20, 2005.
-Published, October 11, 2005

Regulation CC -- technical amendments to Appendix A to reflect the restructuring of check processing operations in the Cleveland, Kansas City, and Dallas Federal Reserve Districts (Docket No. R-1237).
-Approved, October 11, 2005

Actions under delegated authority

Actions taken during the week ending October 15, 2005