Actions under delegated authority

The Bank of Floyd, Floyd, Virginia  -- to establish a branch at 7349 Peppers Ferry Boulevard, Radford.
-Approved, June 14, 2006 

Bank of Lancaster, Kilmarnock, Virginia  -- to establish a branch at the intersection of Routes 632 and 205, Colonial Beach.
-Approved, June 14, 2006 

First Bank, Burkburnett, Texas  -- to establish a branch at 2801 Midwestern Parkway, Wichita Falls.
-Approved, June 12, 2006 

First Florida Bank, Naples, Florida  -- to establish a branch at 6150 Diamond Centre Court, Unit 1100, Fort Myers.
-Approved, June 15, 2006 

Old Second Bank-Yorkville, Yorkville, Illinois  -- to establish a branch at 4040 Veterans Road, Ottawa.
-Approved, June 16, 2006 

Resource Bank, Virginia Beach, Virginia  -- to establish a branch at 4180 Dominion Boulevard, Glen Allen.
-Approved, June 13, 2006 

Simmons First Bank, Searcy, Arkansas  -- to establish a branch at 901 Pecan Street, Beebe.
-Approved, June 16, 2006 

Sky Bank, Salineville, Ohio  -- to establish a branch at 1340 Freeport Road, Pittsburgh, Pennsylvania.
-Approved, June 16, 2006 

Sky Bank, Salineville, Ohio  -- to establish a branch at 3224 Northwest Boulevard, Upper Arlington.
-Approved, June 16, 2006 

Berkshire Bancorp, Inc., Wyomissing, Pennsylvania  -- to become a bank holding company and to acquire Berkshire Bank.
-Approved, June 16, 2006 

Capitol Bancorp, Ltd., Lansing, Michigan  -- to acquire 51 percent of the shares of Bank of Everett, Everett, Washington, a de novo bank; and for Capitol Development Bancorp Limited V, Lansing, Michigan, to become a bank holding company and to acquire 51 percent of the shares of Bank of Everett.
-Approved, June 15, 2006 

Catskill Hudson Bancorp, Inc., Rock Hill, New York  -- to acquire Community Bank of Sullivan County.
-Approved, June 14, 2006 

CCB Financial Corporation, Kansas City, Missouri  -- waiver of application in connection with the merger of Country Club Bank, National Association, Shawnee Mission, Kansas, and CCB Interim Bank, N.A.
-Granted, June 15, 2006 

Citigroup Inc., New York, New York  -- waiver of application in connection with the consolidation of certain credit card operations.
-Granted, June 12, 2006 

Citigroup Inc., New York, New York  -- waiver of application in connection with the conversion of two federal savings bank subsidiaries to national banks and the merger of those banks with Citibank, N.A.
-Granted, June 12, 2006 

Custer Bancorp., Denver, Colorado  -- to acquire Paonia Financial Services, Inc., Paonia, and Paonia State Bank.
-Approved, June 13, 2006 

FMS Bancorp, Inc., Poplar Bluff, Missouri  -- to acquire First Missouri State Bank of Cape County, Cape Girardeau, a de novo bank.
-Approved, June 15, 2006 

Frontier Financial Corporation, Everett, Washington  -- to acquire 12.2 percent of the shares of Skagit State Bancorp, Inc., Burlington, and thereby acquire shares of Skagit State Bank.
-Approved, June 16, 2006 

Hometown of Homestead, Inc., Fort Pierce, Florida  -- to become a bank holding company and to acquire First of Homestead, Inc., Homestead, and its subsidiary, 1st National Bank of South Florida; and for Hometown Banking Company, Ft. Pierce, The Prosperity Banking Company, Inc., St. Augustine, and Riverside Gulf Coast Banking Company, Cape Coral, to acquire shares of Hometown of Homestead, Inc., and 1st National Bank of South Florida.
-Approved, June 16, 2006 

Idaho Trust Bancorp, Boise, Idaho  -- to become a bank holding company and to acquire Idaho Trust National Bank, Coeur d'Alene; and to engage in financial and investment advisory services through Idaho Trust Investments, LLC, Boise.
-Approved, June 14, 2006 

Kujawa Family Holdings, Inc., Berlin, Wisconsin  -- to become a bank holding company and to acquire The Farmers & Merchants Bank.
-Approved, June 16, 2006 

Madison Financial Corporation, Madison, Mississippi  -- relief from a commitment.
-Granted, June 16, 2006 

San Joaquin Bancorp, Bakersfield, California  -- to become a bank holding company and to acquire San Joaquin Bank.
-Approved, June 16, 2006 

Southern Community Bancshares, Inc., Fayetteville, Georgia  -- relief from a commitment.
-Granted, June 16, 2006 

West Coast Bancorp, Lake Oswego, Oregon  -- waiver of application to acquire Mid-Valley Bank, Woodburn, in connection with the merger of Mid-Valley Bank and West Coast Bancorp's subsidiary, West Coast Bank, Lake Oswego.
-Granted, June 16, 2006 

Manufacturers and Traders Trust Company, Buffalo, New York  -- to purchase certain assets and assume certain liabilities of 21 New York state branches of Citibank, N.A., New York, and thereby establish branches.
-Approved, June 15, 2006 

Catskill Hudson Bancorp, Inc., Rock Hill, New York  -- change in bank control.
-Permitted, June 14, 2006 

Farmers State Bankshares, Inc., Circleville, Kansas  -- change in bank control.
-Permitted, June 13, 2006 

Pacific International Bancorp, Inc., Seattle, Washington  -- to retain control of Pacific International Bancorp, Inc.
-Permitted, June 13, 2006 

Porter Bancorp, Inc., Louisville, Kentucky  -- change in bank control.
-Permitted, June 16, 2006 

United Capital Bancshares, Inc., Wyandotte, Oklahoma  -- change in bank control.
-Withdrawn, June 13, 2006 

Valley Community Bancorp, Inc., St. Charles, Illinois  -- change in bank control.
-Permitted, June 12, 2006 

American Banking Company, Moultrie, Georgia  -- report on competitive factors of the proposed acquisition of certain assets and assumption of certain liabilities of Citizens Bank Wakulla, Crawfordville, Florida; merger of Citizens Bank Wakulla and HeritageBank of the South, Albany, Georgia; acquisition of certain assets and assumption of certain liabilities by American Banking Company in connection with that merger; and establishment by HertigeBank of the South of a branch in Ocala, Florida.
-Submitted, June 12, 2006 

BancorpSouth Bank, Tupelo, Mississippi  -- report on competitive factors of the proposed merger with First Kensington Bank, Tampa, Florida.
-Submitted, June 16, 2006 

Brown County State Bank, Mount Sterling, Illinois  -- report on competitive factors of the proposed merger with Golden State Bank, Golden.
-Submitted, June 16, 2006 

The Citizens National Bank of Wisner, Wisner, Nebraska  -- report on competitive factors of the proposed merger with First National Bank of Belden, Belden, and Bank of Leigh, Leigh.
-Submitted, June 14, 2006 

The Farmers & Merchants Bank, Berlin, Wisconsin  -- report on competitive factors of the proposed merger with Kujawa Interim Bank.
-Submitted, June 16, 2006 

First National Bank of Weatherford, Weatherford, Texas  -- report on competitive factors of the proposed merger with First National Bank of the Mid-Cities, Bedford.
-Submitted, June 13, 2006 

Inland Community Bank, National Association, Rialto, California  -- report on competitive factors of the proposed merger with Western State Bank, Duarte.
-Submitted, June 14, 2006 

MainSource Bank, Greensburg, Indiana  -- report on competitive factors of the proposed acquisition of the Vevay, East Enterprise, Liberty, and Madison branches of First Financial Bank, N.A., Hamilton, Ohio.
-Submitted, June 13, 2006 

Marshfield Savings Bank, Marshfield, Wisconsin  -- report on competitive factors of the proposed merger with two interim banks.
-Submitted, June 12, 2006 

Mutual Federal Savings Bank of Muncie, Muncie, Indiana  -- report on competitive factors of the proposed purchase of the Winchester, Warsaw, and Wabash branches of First Financial Bank, N.A., Hamilton, Ohio.
-Submitted, June 13, 2006 

San Joaquin Bank, Bakersfield, California  -- report on competitive factors of the proposed merger with San Joaquin Reorganization Corp.
-Submitted, June 14, 2006 

German American Bancorp, Jasper, Indiana  -- extension to August 2, 2006, to acquire 9.9 percent of the shares of Indiana Bank Corp., Terre Haute, and thereby acquire The First National Bank of Dana, Dana.
-Granted, June 13, 2006 

Penn Bancshares, Inc., Pennsville, New Jersey  -- extension to September 19, 2006, to purchase 24.89 percent of the shares of Harvest Community Bank.
-Granted, June 15, 2006 

First Belmond Bancorporation, Belmond, Iowa  -- election to become a financial holding company.
-Effective, June 13, 2006