Actions under delegated authority

AmSouth Bank, Birmingham, Alabama  -- to establish branches at 175 West Granada Boulevard, Ormond Beach, Florida; 555 Ridgewood Avenue, Holly Hill; and 200 Fifth Avenue, Indialantic; and at the intersections of: US Highway 27 and Northwest 44th Avenue, Ocala; North Wickham Road and Post Road; Ulrnerton Road and Seminole Boulevard, Clearwater; US 441 and Southeast 167th Road, Summerfield; County Road 581 and County Line Road, Tampa; and Edgewater Drive and Clayton Street, Orlando.
-Approved, December 23, 2005 

Bank of the Federated States of Micronesia, Kolonia, Pohnpei, Federated States of Micronesia  -- to establish a branch in Honolulu, Hawaii.
-Approved, December 23, 2005 

Citizens Bank, Flint, Michigan  -- to establish a branch at 49125 Grand River Avenue, Novi.
-Approved, December 23, 2005 

Compass Bank, Birmingham, Alabama  -- to establish a branch at 11890 Westheimer Road, Houston, Texas.
-Approved, December 23, 2005 

Dacotah Bank, Aberdeen, South Dakota  -- to establish a branch at 1231 East 57th Street, Sioux Falls.
-Approved, December 22, 2005 

Fidelity & Trust Bank, Bethesda, Maryland  -- to establish a branch at 1044 Wisconsin Avenue, Northwest, Washington, DC.
-Approved, December 22, 2005 

First Bank, Strasburg, Virginia  -- to establish a branch on Route 50, Winchester.
-Approved, December 23, 2005 

Regions Bank, Birmingham, Alabama  -- to establish a branch at 3805 Macon Road, Columbus, Georgia.
-Approved, December 23, 2005 

Temecula Valley Bank, Temecula, California  -- to establish a branch at 985 Lomas Santa Fe Drive, Solana Beach.
-Approved, December 23, 2005 

TruPoint Bank, Grundy, Virginia  -- to establish a branch at 709 Med Tech Parkway, Johnson City, Tennessee.
-Approved, December 21, 2005 

Community First Bancshares, Inc., Harrison, Arkansas  -- to acquire additional shares of White River Bancshares Company, Fayetteville, and thereby acquire Signature Bank.
-Approved, December 19, 2005 

Cullen/Frost Bankers, Inc., San Antonio, Texas  -- waiver of application to acquire Texas Community Bancshares, Inc., Dallas, and its subsidiaries, First Lakewood, Inc., Dover, Delaware, and Texas Community Bank & Trust, N.A., Dallas, in connection with the merger of Texas Community Bank & Trust, N.A. with Cullen/Frost Bankers' subsidiary, The Frost National Bank, San Antonio.
-Granted, December 20, 2005 

First Community Bancorp, Rancho Santa Fe, California  -- waiver of application to merge with Cedars Acquisition Corp., in connection with the merger of Cedars Bank, Los Angeles, and Pacific Western National Bank, Santa Monica.
-Granted, December 19, 2005 

First Community Bancshares, Inc., Overland Park, Kansas  -- to acquire Corning Investment Company, Inc., Centralia, parent of The Farmers State Bank of Corning, Corning.
-Withdrawn, December 22, 2005 

FirstPerryton Bancorp, Inc., Perryton, Texas  -- to acquire Amarillo Western Bancshares, Inc., Amarillo, and thereby acquire Western National Bank.
-Approved, December 22, 2005 

Home Bancshares, Inc., Conway, Arkansas  -- to acquire additional shares of White River Bancshares Company, Fayetteville, and thereby acquire Signature Bank.
-Approved, December 21, 2005 

Independent Community Bancorp, Inc., Frankfort, Kentucky  -- to acquire 35.8 percent of the shares of Heritage Bank of Ashland, Inc., Ashland.
-Approved, December 22, 2005 

M&P Community Bancshares, Inc. 401(K) Employee Stock Ownership Plan, Newport, Arkansas  -- to become a bank holding company and to acquire an additional 1.63 percent, for a total ownership of 26.58 percent, of the shares of M&P Community Bancshares, Inc., and thereby acquire Greers Ferry Lake State Bank, Heber Springs, and Merchants & Planters Bank, Newport.
-Withdrawn, December 21, 2005 

ST Banc Corp., McAllen, Texas  -- to become a bank holding company and to acquire South Texas Bancorp, Hebbronville, and indirectly acquire South Texas Bancorp of Delaware, Inc., Wilmington, Delaware, and Hebbronville State Bank, Hebbronville, Texas.
-Approved, December 22, 2005 

STC Bancshares Corp., St. Charles, Illinois  -- to become a bank holding company and to acquire STC Capital Bank, a de novo bank, and to engage de novo in extending credit and servicing loans.
-Approved, December 19, 2005 

Town & Country Financial, Inc., Dundee, Kentucky   -- to acquire 6.3 percent of the shares of Heritage Bank of Ashland, Inc., Ashland.
-Approved, December 22, 2005 

Peoples Bank & Trust Co., Troy, Missouri  -- to purchase the assets and assume the liabilities of Bank of Lincoln County, Elsberry, and thereby establish a branch.
-Withdrawn, December 20, 2005 

Apple Creek Banc Corp, Apple Creek, Ohio  -- change in bank control.
-Permitted, December 23, 2005 

Cecil Bancorp, Inc., Elkton, Maryland  -- change in bank control.
-Permitted, December 20, 2005 

Community Bancorp of McLean County, Kentucky, Inc., Island, Kentucky  -- change in bank control.
-Permitted, December 19, 2005 

Hanisch Bankshares, Ltd., Crosby, North Dakota  -- change in bank control.
-Permitted, December 20, 2005 

The Viking Corporation, Omaha, Nebraska  -- change in bank control.
-Permitted, December 19, 2005 

Wilson Bancshares, Inc., Wilson, Kansas  -- to retain control of Wilson Bancshares, Inc.
-Permitted, December 22, 2005 

CenterState Bank Mid Florida, Leesburg, Florida  -- report on competitive factors of the proposed merger with CenterState Interim Bank.
-Submitted, December 20, 2005 

Commercial Capital Bank, FSB, Irvine, California  -- report on competitive factors of the proposed merger with Calnet Business Bank, N.A., Sacramento.
-Submitted, December 23, 2005 

The Farmers Bank and Savings Company, Pomeroy, Ohio  -- report on competitive factors of the proposed merger with Credit Express, Inc.
-Submitted, December 21, 2005 

Frandsen Bank & Trust, Lonsdale, Minnesota   -- report on competitive factors of the proposed merger with Rural American Bank-Foley, Foley.
-Submitted, December 21, 2005 

The Harbor Bank of Maryland, Baltimore, Maryland  -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the Baltimore branch of Susquehanna Bank, Hagerstown.
-Submitted, December 20, 2005 

Keystone Nazareth Bank & Trust Company, Bethlehem, Pennsylvania  -- report on competitive factors of the proposed merger with The Trust Company of Lehigh Valley, Allentown, and its parent Company, Paragon Group, Inc.
-Submitted, December 20, 2005 

Prosperity Bank, El Campo, Texas  -- report on competitive factors of the proposed merger with Southern National Bank of Texas, Sugar Land.
-Submitted, December 21, 2005 

Sun Security Bank, Ellington, Missouri  -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the Piedmont branch of Ozarks Federal Savings and Loan Association, Farmington.
-Submitted, December 21, 2005 

UMB Bank, National Association, Kansas City, Missouri  -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the Kansas City branch of Pulaski Bank, St. Louis.
-Submitted, December 21, 2005 

Union Bank, Inc., Middlebourne, West Virginia  -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of the Cairo, Ellenboro, Harrisville, and Pennsboro branches of Wesbanco Bank, Inc., Wheeling.
-Submitted, December 20, 2005 

Washington Mutual Bank, Henderson, Nevada  -- report on competitive factors of the proposed merger with WM Interim 2006 Federal SLA.
-Submitted, December 23, 2005 

ABC Bancorp, Moultrie, Georgia  -- commenter's request for reconsideration of the Board's approval of the application to merge with First National Banc, Inc., St. Mary's, and to acquire its subsidiaries.
-Denied, December 20, 2005 

Capital Bank Corporation, Raleigh, North Carolina  -- extension to March 26, 2006, to merge with 1st State Bancorp, Inc., Burlington, and thereby acquire its subsidiary, 1st State Bank.
-Granted, December 19, 2005 

Citigroup Inc., New York, New York  -- extension of time for its subsidiary, Banco Nacional de Mexico, S.A., Mexico City, Mexico, to divest its interests in certain assets acquired in settlement of debts previously contracted.
-Granted, December 23, 2005 

Cooperatieve Centrale Raiffeisen-Boerenleenbank, Utrecht, The Netherlands; Rabobank International Holding B.V.; Utrecht-America Holdings, Inc., New York, New York; and VIB Corp, El Centro, California  -- commenter's request to extend the comment period on the application to acquire Central Coast Bancorp, Salinas, California, and Community Bank of Central California.
-Denied, December 19, 2005 

Monson Financial Services Mutual Holding Company, Monson, Massachusetts, and Monson Financial Services Corp.  -- extension to January 31, 2006, to become a mutual bank holding company and a stock bank holding company, respectively, and to acquire Monson Savings Bank.
-Granted, December 20, 2005 

PlainsCapital Bank, Lubbock, Texas  -- extension to August 31, 2006, to establish branches at 777 Taylor Street, Suite 102, Fort Worth, and 6001 Sherry Lane, Dallas, and courier service branches at 1629 West Hebron Parkway, Carrollton, 18111 Preston Road, Dallas, and 5010 University Avenue, Lubbock.
-Granted, December 19, 2005 

Regions Bank, Birmingham, Alabama  -- extension to January 4, 2007, to establish a branch at Pooler Parkway and Park Avenue, Pooler, Georgia.
-Granted, December 20, 2005 

Synovus Financial Corp., Columbus, Georgia  -- commenter's request to extend the comment period on the application to merge with Banking Corporation of Florida, Naples, Florida, and thereby acquire First Florida Bank.
-Denied, December 19, 2005 

Northampton Co-operative Bank, Northampton, Massachusetts  -- to become a member of the Federal Reserve System.
-Approved, December 22, 2005