FRB: H.2--Actions under delegated authority--Week ending October 22, 2005

The Bank of Jackson, Jackson, Tennessee -- to establish a branch in the Thomsen Farms Development near the intersection of Oil Well and Walker Roads.
-Approved, October 19, 2005

Bank of Parsons, Parsons, Kansas -- to establish a branch at U.S. Highways 400 and 59.
-Approved, October 18, 2005

Comerica Bank, Detroit, Michigan -- to establish branches at 3200 North Central Avenue, Phoenix, Arizona; 850 Northwest Federal Highway, Suite 170, Stuart, Florida; and 5601 Silver Creek Valley Road, San Jose, California.
-Approved, October 19, 2005

First Bank, Strasburg, Virginia -- to establish a branch at 695 Fairfax Pike, Stephens City.
-Approved, October 19, 2005

First Farmers & Merchants Bank, Columbia, Tennessee -- to establish a branch at 2001 Campbell Station Parkway, Suite A-5, Spring Hill.
-Approved, October 21, 2005

Horizon Bank, Bradenton, Florida -- to establish a branch at 501 8th Avenue West, Palmetto.
-Approved, October 21, 2005

IBERIABANK, Lafayette, Louisiana -- to establish a branch at 1420 St. Charles Street, Houma.
-Approved, October 17, 2005

Tower Bank & Trust Company, Fort Wayne, Indiana -- to establish a branch at 6430 West Jefferson Boulevard.
-Approved, October 17, 2005

Wheaton Bank & Trust, Wheaton, Illinois -- to establish a branch at 462 Park Boulevard, Suite 110, Glen Ellyn.
-Approved, October 17, 2005

Bank Holding Companies

Alarion Financial Services, Inc., Ocala, Florida -- to become a bank holding company and to acquire Alarion Bank.
-Approved, October 20, 2005

Capitol Bancorp, Ltd., Lansing, Michigan, and Capitol Development Bancorp Limited I -- to acquire 51 percent of the shares of Bank of Belleville, Belleville, Illinois, a de novo bank.
-Approved, October 20, 2005

CB Financial Services, Inc., Carmichaels, Pennsylvania -- to acquire Community Bank, N.A., Washington.
-Approved, October 17, 2005

Cornerstone Bancshares, Inc., Hixson, Tennessee -- to acquire Eagle Financial LLC, Chattanooga, and Eagle Funding, LLC, and thereby provide factoring and loan brokerage services to small businesses.
-Withdrawn, October 18, 2005

Davis Bancshares, Inc., McClusky, North Dakota -- to merge with Underwood Holding Company, Underwood, and thereby acquire First Security Bank.
-Approved, October 20, 2005

FC Holdings, Inc., Houston, Texas, and FC Holdings of Delaware, Inc., Wilmington, Delaware -- to acquire Lake Area National Bank, Trinity.
-Approved, October 18, 2005

FNB Corp., Asheboro, North Carolina -- to merge with United Financial, Inc., Graham, and thereby acquire Alamance Bank.
-Approved, October 20, 2005

HSH Nordbank AG, Hamburg, Germany, and WestLB AG, Dusseldorf -- to engage de novo through BoA Nevada Lending LLP, a joint venture, in extending credit and servicing loans.
-Approved, October 18, 2005

Ogden Bancshares, Inc., Ames, Iowa -- to engage de novo in extending credit and servicing loans.
-Approved, October 19, 2005

SCBT Financial Corporation, Columbia, South Carolina -- to acquire Sun Bancshares, Inc., Murrells Inlet, and thereby acquire SunBank, National Association.
-Approved, October 18, 2005

Service 1st Bancorp, Tracy, California -- to engage, through Charter Capital Services, LLC, in consulting services to groups wishing to establish de novo commercial banks.
-Approved, October 21, 2005

West Alabama Capital Corp., Reform, Alabama -- to merge with West Alabama Bancshares, Inc., Millport, and thereby acquire its subsidiary, Merchants & Farmers Bank.
-Approved, October 21, 2005

Change In Bank Control

PanAmerican Bancorp, Miami, Florida -- change in bank control.
-Permitted, October 18, 2005

Raymond Bancorp, Inc., Raymond, Illinois -- to retain control of Raymond Bancorp, Inc.
-Permitted, October 19, 2005

Competitive Factors Reports

BancorpSouth Bank, Tupelo, Mississippi -- report on competitive factors of the proposed merger with American State Bank, Jonesboro, Arkansas.
-Submitted, October 17, 2005

Carolina First Bank, Greenville, South Carolina -- report on competitive factors of the proposed merger with CF Technology Services Company.
-Submitted, October 17, 2005

Corn Belt Bank and Trust Company, Pittsfield, Illinois -- report on competitive factors of the proposed merger with Farmers & Merchants Bank and Trust Company, Hannibal, Missouri.
-Submitted, October 20, 2005

First Missouri State Bank of Cape County, Cape Girardeau, Missouri, a de novo bank -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of the Chateau and Jackson branches of First Missouri State Bank, Poplar Bluff.
-Submitted, October 17, 2005

First National Bank of Eastern Arkansas, Forrest City, Arkansas -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of the Holly Grove branch of First State Bank, Conway.
-Submitted, October 18, 2005

Pacific Continental Bank, Eugene, Oregon -- report on competitive factors of the proposed merger with Northwest Business Bank, Seattle, Washington.
-Submitted, October 18, 2005

Pacific Western National Bank, Santa Monica, California -- reports on competitive factors of the proposed merger with Cedars Bank, Los Angeles.
-Submitted, October 18, 2005

Premier Bank, Jefferson City, Missouri -- report on competitive factors of the proposed merger with The Oaks Bank & Trust Company, Dallas, Texas.
-Submitted, October 19, 2005

Rural American Bank - Luck, Luck, Wisconsin -- report on competitive factors of the proposed merger with Little Buttercup, Inc.
-Submitted, October 17, 2005

Salem Five Cents Savings Bank, Salem, Massachusetts -- report on competitive factors of the proposed reorganization as a mutual holding company.
-Submitted, October 19, 2005

State Bank & Trust of Seguin, Seguin, Texas -- report on competitive factors of the proposed merger with NAB Acquisitions Seguin, Inc., Marble Falls.
-Submitted, October 19, 2005

The Wallis State Bank, Wallis, Texas -- report on competitive factors of the proposed merger with Wallis Interim Corp.
-Submitted, October 18, 2005

Woori America Bank, New York, New York -- report on competitive factors of the proposed merger with South Coast Commercial Bank, Irvine, California.
-Submitted, October 21, 2005

Extensions Of Time

Cathay General Bancorp, Los Angeles, California -- commenter's request to extend the comment period on the application to acquire Great Eastern Bank, New York, New York.
-Denied, October 19, 2005

Cowlitz Bancorporation, Longview, Washington -- extension to February 4, 2006, to merge with AEA Bancshares, Inc., Seattle, and thereby acquire its subsidiary, Asia-Europe-Americas Bank.
-Granted, October 17, 2005

Frontier Financial Corporation, Everett, Washington -- extension to February 4, 2006, to acquire up to 20 percent of Skagit State Bank, Burlington.
-Granted, October 17, 2005

S&T Bancorp, Inc., Indiana, Pennsylvania -- extension to January 18, 2006, to acquire up to 9.9 percent of the shares of CBT Financial Corporation, Clearfield, and thereby acquire Clearfield Bank & Trust Company.
-Granted, October 18, 2005

Security Associated Holding Corporation, Hot Springs, Arkansas -- extension to February 11, 2006, to become a bank holding company and to acquire The Stephens Security Bank, Stephens.
-Granted, October 18, 2005

Synovus Financial Corp., Columbus, Georgia -- commenter's request to extend the comment period on the application to merge with Riverside Bancshares, Inc., Marietta, and thereby acquire Riverside Bank.
-Denied, October 19, 2005

Warren Bank, Warren, Michigan -- extension to February 6, 2006, to establish a branch at 48800 Romeo Plank Road, Macomb Township.
-Granted, October 20, 2005

Zions Bancorporation, Salt Lake City, Utah -- commenter's request to extend the comment period on the application to acquire Amegy Bancorporation, Inc., Houston, Texas.
-Denied, October 19, 2005

Membership

Virginia Heritage Bank, Fairfax, Virginia, a de novo bank -- to become a member of the Federal Reserve System.
-Approved, October 17, 2005

Actions under delegated authority

Actions taken during the week ending October 22, 2005

Bank Branches, Domestic

Bank Holding Companies

Change In Bank Control

Competitive Factors Reports

Extensions Of Time

Membership