FRB: H.2--Actions under delegated authority--Week ending March 25, 2006

BankAnnapolis, Annapolis, Maryland -- to establish a branch at 25 Market Place.
-Approved, March 22, 2006

Capital City Bank, Tallahassee, Florida -- to establish a branch at 702 South Broad Street, Brooksville.
-Approved, March 24, 2006

CommerceFirst Bank, Annapolis, Maryland -- to establish a branch at 6230 Old Dobbin Lane, Columbia.
-Approved, March 20, 2006

Commercial Bank, Harrogate, Tennessee -- to establish a branch at 533 Tennessee Avenue, Pineville, Kentucky.
-Approved, March 22, 2006

Congressional Bank, Potomac, Maryland -- to establish a branch at 5274 Randolph Road, Rockville.
-Approved, March 22, 2006

East Penn Bank, Emmaus, Pennsylvania -- to establish a branch at 2985 Macarthur Road, Whitehall.
-Approved, March 21, 2006

Farmers & Merchants Bank, Timberville, Virginia -- to establish a branch at #1 East Luray Shopping Center, East Main Street, Luray.
-Approved, March 21, 2006

Frederick County Bank, Frederick, Maryland -- to establish a branch at 200 Commerce Drive, Walkersville.
-Approved, March 22, 2006

Security One Bank, Baileys Crossroads, Virginia -- to provide a courier service to pick up deposits from customers.
-Approved, March 24, 2006

Sky Bank, Salineville, Ohio -- to establish a branch at Downtown Financial Center, 180 East Broad Street, Columbus.
-Approved, March 24, 2006

Sky Bank, Salineville, Ohio -- to establish a branch at Rocky River Financial Center, 19880 Detroit Road, Rocky River.
-Approved, March 24, 2006

Sky Bank, Salineville, Ohio -- to establish a branch at Pickerington Financial Center, 126 Postage Drive, Pickerington.
-Approved, March 24, 2006

WestStar Bank, Vail, Colorado -- to establish a branch at 113 Lost Creek Lane, Suite B, Mountain Village.
-Approved, March 23, 2006

Bank Holding Companies

American Founders Bancorp, Inc., Frankfort, Kentucky -- to become a bank holding company and to acquire American Founders Bank, Inc.; to acquire First Security Bancorp, Inc., Lexington, First Security Bank of Lexington, Inc., and 50 percent of the shares of Peoples Secure, LLC; and thereby engage in data processing activities.
-Approved, March 22, 2006

First Fidelity Bancorp, Inc., Oklahoma City, Oklahoma -- to acquire First Fidelity Bank, N. A., Phoenix, Arizona, a de novo bank.
-Approved, March 22, 2006

Frontier Bancshares, Inc., Austin, Texas; and Frontier BN, Inc., Henderson, Nevada -- to become bank holding companies and to acquire The First National Bank of Holland, Holland.
-Approved, March 20, 2006

Georgia Trust Bancshares, Inc., Buford, Georgia -- relief from a commitment.
-Withdrawn, March 23, 2006

Gerber Bancshares, Inc., Argenta, Illinois -- to become a bank holding company and to acquire Gerber State Bank.
-Withdrawn, March 22, 2006

John R Turner Holding Company, Jackson, Kentucky -- to acquire Middleburg Bancorp, Inc., Middleburg, and its subsidiary, Farmers Deposit Bank.
-Approved, March 23, 2006

KansasLand Bancshares, Inc., Quinter, Kansas -- to become a bank holding company and to acquire 87 percent of the shares of Flint Hills Financial Services Corporation, Americus, parent of Americus State Bank.
-Approved, March 22, 2006

MainSource Financial, Group Inc., Greensburg, Indiana -- to acquire H F S Bank, F.S.B., Hobart, and thereby engage in operating a savings association.
-Approved, March 24, 2006

Oostburg Bancorp, Inc., Oostburg, Wisconsin -- to engage in extending credit and servicing loans.
-Approved, March 22, 2006

Pinnacle Bancorp, Inc., Central City, Nebraska -- to acquire Olathe Bancorporation, Inc., Olathe, and Olathe State Bank.
-Approved, March 22, 2006

Security Bank Corporation, Macon, Georgia -- to merge with Neighbors Bancshares, Inc., Alpharetta, and thereby acquire Neighbors Bank.
-Approved, March 24, 2006

Texas United Bancshares, Inc., La Grange, Texas; Texas United Nevada, Inc., Las Vegas, Nevada; and GNB Financial, N.A., Gainesville, Texas -- waiver of application to acquire Northwest Bancshares, Inc., Roanoke, Texas; Northwest Delaware, Inc., Wilmington, Delaware; and Northwest Bank, Roanoke, Texas.
-Granted, March 23, 2006

Wessagussett Mutual Holding Company, Weymouth, Massachusetts, and Wessagussett Bancorp, Inc. -- to become a mutual bank holding company and a stock bank holding company, respectively, and to acquire Weymouth Bank.
-Approved, March 24, 2006

Westbrand, Inc., Minot, North Dakota -- to acquire First Western Bank, Eden Prairie, Minnesota, a de novo bank; and for First Western Bank to become a member of the Federal Reserve System.
-Approved, March 24, 2006

Wilshire Bancorp, Inc., Los Angeles, California -- waiver of application to acquire Liberty Bank of New York, New York, New York; and for Liberty Bank of New York to merge with Wilshire State Bank, Los Angeles.
-Approved, March 24, 2006

Bank Mergers

First Bank, St. Louis, Missouri -- to merge with First Independent National Bank, Plano, Texas, and to retain the acquired facilities as branches.
-Approved, March 23, 2006

Banks, Foreign

Caja de Ahorros de Galicia, Caixa Galicia, A Coruna, Spain -- to establish an agency in Miami, Florida.
-Approved, March 20, 2006

Change In Bank Control

Frankson Investment Corporation, Waseca, Minnesota -- change in bank control.
-Permitted, March 20, 2006

Competitive Factors Reports

American Founders Bank, Inc., Frankfort, Kentucky -- report on competitive factors of the proposed merger with First Security Bank of Lexington, Inc., Lexington.
-Submitted, March 22, 2006

E*Trade Bank, Arlington, Virginia -- report on competitive factors of the proposed assumption of certain deposit liabilities of First Republic Bank, Las Vegas, Nevada.
-Submitted, March 23, 2006

First State Community Bank, Farmington, Missouri -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of the Hillsboro branch of Keystone Bank, St. Louis.
-Submitted, March 22, 2006

MainSource Bank-Ohio, Troy, Ohio, an interim bank -- report on competitive factors of the proposed merger with Peoples Savings Bank of Troy.
-Submitted, March 20, 2006

Town Community Bank and Trust, Antioch, Illinois, an interim bank -- report on competitive factors of the proposed merger with Greater North Bank.
-Submitted, March 22, 2006

Extensions Of Time

Capital City Bank, Tallahassee, Florida -- extension to April 15, 2007, to establish a mobile branch to operate in Bibb, Houston, Jones, Laurens, and Monroe Counties in Georgia.
-Granted, March 21, 2006

Citigroup Inc., New York, New York -- extension of time for Banco Nacional de Mexico, S.A., Mexico City, Mexico, to divest its interest in certain assets acquired in settlement of debts previously contracted.
-Granted, March 23, 2006

Frederick County Bank, Frederick, Maryland -- extension to October 6, 2006, to establish a branch at 6910 Crestwood Boulevard.
-Granted, March 20, 2006

The Peoples Bank and Trust Company, Selma, Alabama -- extension to March 31, 2007, to establish a branch at 7167 Highway 22 North, Valley Grande.
-Granted, March 21, 2006

Actions under delegated authority

Actions taken during the week ending March 25, 2006