Actions under delegated authority

Bank of Little Rock, Little Rock, Arkansas  -- to establish a branch at 1201 Rahling Road.
-Approved, January 11, 2006 

BCBank, Inc., Philippi, West Virginia  -- to establish a branch at 936 East Park Avenue, Fairmont.
-Approved, January 10, 2006 

County Bank, Merced, California  -- to establish a branch at the southeast corner of Herndon and Fowler Avenues, Clovis.
-Approved, January 11, 2006 

Farmers and Merchants Bank of Long Beach, Long Beach, California  -- to establish a branch at 4695 MacArthur Court, Suites 130 and 150, Newport Beach, and to increase its investment in bank premises.
-Approved, January 10, 2006 

The First Bank and Trust Company, Lebanon, Virginia  -- to establish a branch at 150 Peppers Ferry Road, Christiansburg.
-Approved, January 12, 2006 

Great American Bank, De Soto, Kansas  -- to establish branches at Barry and Green Hills Roads, Kansas City, Missouri, and Dean Avenue and Highway 58, Raymore.
-Approved, January 12, 2006 

Interchange Bank, Saddle Brook, New Jersey  -- to establish a branch at 8901 Bergenline Avenue, North Bergen.
-Approved, January 13, 2006 

Manufacturers and Traders Trust Company, Buffalo, New York  -- to establish a branch at 11200 Racetrack Road, Berlin, Maryland.
-Approved, January 10, 2006 

Mid America Bank & Trust Company, Dixon, Missouri  -- to establish a branch at 960 South Bishop, Rolla.
-Approved, January 10, 2006 

Banco Santander Central Hispano, S.A., Madrid, Spain  -- commenter's request to extend the comment period on the application to acquire up to 24.99 percent of the shares of Sovereign Bancorp, Inc., Philadelphia, Pennsylvania, and thereby indirectly acquire Independence Community Bank Corp., Brooklyn, New York, and Independence Community Bank.
-Granted, January 10, 2006 

BankFinancial Corporation, Burr Ridge, Illinois  -- waiver of application to become a bank holding company and to acquire University National Bank, Chicago.
-Granted, January 13, 2006 

Chickasha Bancshares, Inc., Chickasha, Oklahoma  -- to engage in mortgage loan activities through its subsidiaries, Chickasha Bank & Trust Company and Washita Mortgage, Inc., through the formation of Washita Mortgage Solutions, LLC, Lawton; and for Commerce Bancorp, Inc., Duncan, to engage in mortgage loan activities through its subsidiary, Bank of Commerce, through the formation of Washita Mortgage Solutions, LLC.
-Approved, January 10, 2006 

Community Partners Bancorp, Middletown, New Jersey  -- to become a bank holding company and to acquire Two River Community Bank, Middletown, and The Town Bank, Westfield.
-Approved, January 13, 2006 

FBOP Corporation, Oak Park, Illinois  -- to acquire 28.26 percent of the shares of Community Bank of Lemont, Lemont.
-Withdrawn, January 9, 2006 

First Federal Bancorp, Columbia, Mississippi  -- to become a bank holding company on the conversion of its thrift subsidiary, First Federal Bank for Savings to a state nonmember bank.
-Approved, January 10, 2006 

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania  -- request for an exemption under the Depository Institution Management Interlocks Act and Regulation L.
-Granted, January 13, 2006 

Rabobank Nederland B.V., Utrecht, the Netherlands; Rabobank International Holdings B.V.; Utrecht-America Holdings, New York, New York; and VIB Corporation, El Centro, California  -- to acquire Central Coast Bancorp, Salinas, and Community Bank of Central California.
-Approved, January 13, 2006 

The Savannah Bancorp, Inc., Savannah, Georgia  -- to acquire Harbourside Community Bank, Hilton Head, South Carolina, and thereby engage in operating a savings association.
-Approved, January 9, 2006 

TrustCo Bank Corp NY, Glenville, New York  -- to become a bank holding company and to acquire Ballston Spa Bancorp, Inc., Ballston Spa, and Ballston Spa National Bank; and to engage in certain nonbanking activities through the retention of its subsidiary, TrustCo Bank.
-Withdrawn, January 10, 2006 

United Bancorporation of Wyoming, Inc., Jackson, Wyoming  -- to acquire First National Bank Holding Company, Inc., Pinedale, and thereby acquire First National Bank of Pinedale.
-Approved, January 12, 2006 

Bank of Little Rock, Little Rock, Arkansas  -- to increase its investment in bank premises.
-Approved, January 11, 2006 

American Banking Company, Moultrie, Georgia  -- report on competitive factors of the proposed merger with First Bank of Brunswick, Brunswick; and First National Bank, Orange Park, Florida.
-Submitted, January 12, 2006 

JPMorgan Chase Bank, National Association, Columbus, Ohio  -- report on competitive factors of the proposed merger with Banc One Financial Services, Inc.
-Submitted, January 12, 2006 

Pulaski Bank, Creve Coeur, Missouri  -- report on competitive factors of the proposed merger with Central West End Bank, FSB, St. Louis.
-Submitted, January 9, 2006 

United Community MHC, Lawrenceburg, Indiana  -- report on competitive factors of the proposed acquisition of United Community Bank.
-Submitted, January 11, 2006 

United States Trust Company of New York, New York, New York  -- report on competitive factors of the proposed conversion to a national banking association and merger with U.S. Trust Company, National Association, Greenwich, Connecticut.
-Submitted, January 11, 2006 

Arvest Bank, Fayetteville, Arkansas  -- extension to January 31, 2006, to establish a branch at the intersection of Northeast Flowermound Road and Gore Boulevard, Lawton, Oklahoma.
-Granted, January 12, 2006 

Oswego Community Bank Employee Stock Ownership Plan, Oswego, Illinois  -- extension to April 8, 2006, to increase its ownership from 35.98 percent to 51 percent of Oswego Bancshares, Inc. and thereby acquire Oswego Community Bank.
-Granted, January 9, 2006