FRB: H.2--Actions under delegated authority--Week ending September 16, 2006

Comerica Bank, Detroit, Michigan -- to establish a branch at 1000 Aviara Parkway, Carlsbad, California.
-Approved, September 8, 2006 (AC)

Compass Bank, Birmingham, Alabama -- to establish a branch at the North Central Baptist Hospital Campus, 520 Madison Oak Drive, Suite 150, San Antonio, Texas.
-Approved, September 15, 2006

The F & M Bank and Trust Company, Tulsa, Oklahoma -- to establish a branch at 7100 South Harvard Avenue.
-Approved, September 15, 2006

Farmers & Merchants Bank, Timberville, Virginia -- to operate a courier service in Shenandoah and Page counties.
-Approved, September 13, 2006

First Community Bank, Harbor Springs, Michigan -- to establish a branch at 102 East Front Street, Traverse City.
-Approved, September 11, 2006

First Florida Bank, Naples, Florida -- to establish a branch at the intersection of Toledo Blade and Peachland Boulevards, Port Charlotte.
-Approved, September 15, 2006

Manufacturers and Traders Trust Company, Buffalo, New York -- for M&T Bank to establish a branch at 9214 Center Street, Manassas, Virginia.
-Approved, September 15, 2006

Regions Bank, Birmingham, Alabama -- to establish a branch at 200 Marina Drive, Tuscaloosa.
-Approved, September 15, 2006

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 2926 Lamar Avenue, Suite 106, Memphis, Tennessee.
-Approved, September 15, 2006

Town Bank, Delafield, Wisconsin -- to establish a branch at 13150 Watertown Plank Road, Elm Grove.
-Approved, September 14, 2006

Bank Holding Companies

Belvedere Capital Fund II L.P., San Francisco, California, and Belvedere Capital Partners II LLC -- to acquire Promerica Bank, Los Angeles, a de novo bank.
-Approved, September 12, 2006

Community Bancorp, Las Vegas, Nevada -- waiver of application to merge with Valley Bancorp and for Valley Bank to merge with Community Bank of Nevada.
-Granted, September 15, 2006

Exchange Bancshares, Inc., Mayfield, Kentucky -- to acquire Purchase Area Bancorp, Inc., Bardwell, and thereby acquire Bardwell Deposit Bank.
-Approved, September 12, 2006

Fidelity Mutual Holding Company, Fitchburg, Massachusetts, and Life Design Holding Company -- to become a mutual bank holding company and a stock bank holding company, respectively, and to acquire Fidelity Co-operative Bank.
-Approved, September 11, 2006

First Commerce Bancorp, Inc., Lewisburg, Tennessee -- to become a bank holding company and to acquire First Commerce Bank.
-Approved, September 15, 2006

First M&F Corporation, Kosciusko, Mississippi -- waiver of application in connection with the acquisition of Tri-County Bank, Trenton, Florida.
-Granted, September 11, 2006

Florida Bank Group, Inc., Tampa, Florida -- to acquire Bank of North Florida, Jacksonville, a de novo bank.
-Approved, September 15, 2006

Mercantile Bancorp, Inc., Quincy, Illinois -- to acquire Royal Palm Bancorp, Inc., Naples, Florida, and Royal Palm Bank of Florida.
-Approved, September 13, 2006

Meridian Financial Services, Inc., East Boston, Massachusetts, and Meridian Interstate Bancorp, Inc. -- to acquire up to 40 percent of the shares of Hampshire First Bank, Manchester, New Hampshire.
-Approved, September 12, 2006

NewAlliance Bancshares, Inc., New Haven, Connecticut -- waiver of application to merge with Westbank Corporation, West Springfield, Massachusetts, and for Westbank Corporation's subsidiary, Westbank, to merge with NewAlliance Bancshares' subsidiary, NewAlliance Bank.
-Granted, September 15, 2006

Ogden Bancshares, Inc., Ames, Iowa -- to acquire VisionBank, West Des Moines, a de novo bank; for VisionBank to become a member of the Federal Reserve System; and for VisionBank to purchase the assets and assume the liabilities of the Grimes and West Des Moines branches of Community Bank of Boone, Boone.
-Approved, September 15, 2006

Peoples BankTrust, Inc., Buford, Georgia -- to become a bank holding company and to acquire Peoples Bank & Trust.
-Approved, September 13, 2006

S.Y. Bancorp, Inc., Louisville, Kentucky -- to engage in extending credit and servicing loans.
-Approved, September 15, 2006

Webster Financial Corporation, Waterbury, Connecticut -- to acquire NewMil Bancorp, Inc., New Milford, and its subsidiary, NewMil Bank.
-Approved, September 13, 2006

Bank Mergers

Community Bank of Nevada, Las Vegas, Nevada -- to merge with Valley Bank and thereby acquire five Nevada branches.
-Approved, September 14, 2006

First Bank, St. Louis, Missouri -- to purchase certain assets and assume certain liabilities of three branches of MidAmerica National Bank, Canton, Illinois, located in Peoria and Bloomington and thereby establish branches.
-Approved, September 13, 2006

Change In Bank Control

Cypress Corporation, Omaha, Nebraska -- change in bank control.
-Permitted, September 12, 2006

Competitive Factors Reports

Bradford Bank, Baltimore, Maryland -- report on competitive factors of the proposed merger with Valley Bank of Maryland, Pikesville.
-Submitted, September 14, 2006

Cathay Bank, Los Angeles, California -- report on competitive factors of the proposed merger with New Asia Bank, Chicago, Illinois.
-Submitted, September 12, 2006

Citibank, N.A., New York, New York -- report on competitive factors of the proposed merger with Citibank International, Miami, Florida.
-Submitted, September 15, 2006

First Bank & Trust, SB, Paris, Illinois -- report on competitive factors of the proposed merger with Community Finance Center, Inc.
-Submitted, September 12, 2006

The First National Bank of Hope, Hope, Arkansas -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of the Spruce Street, Lewisville office of The First National Bank of Lewisville.
-Submitted, September 11, 2006

The First National Bank of Lewisville, Lewisville, Arkansas -- report on competitive factors of the proposed merger with The First National Bank of Hope, Hope.
-Submitted, September 11, 2006

Garnett State Savings Bank, Garnett, Kansas -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of Bank of Kansas City, NA, Overland Park, a de novo bank.
-Submitted, September 12, 2006

Great Western Bank, Watertown, South Dakota -- report on competitive factors of the proposed merger with Great Western Bank, Omaha, Nebraska, and Great Western Bank, Clive, Iowa.
-Submitted, September 13, 2006

Higher One Bank, New Haven, Connecticut, a de novo bank -- report on competitive factors of the proposed purchase and assumption of certain deposit liabilities of The Frost National Bank, San Antonio, Texas.
-Submitted, September 13, 2006

Nevada Security Bank, Reno, Nevada -- report on competitive factors of the proposed merger with Northern Nevada Bank.
-Submitted, September 12, 2006

New Alliance Bancshares, Inc., New Haven, Connecticut -- report on competitive factors of the proposed merger of New Alliance Bank and Westbank, West Springfield.
-Submitted, September 14, 2006

Reliance Savings Bank, Altoona, Pennsylvania -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of two Pennsylvania branches of Susquehanna Bank, Hagerstown, Maryland.
-Submitted, September 11, 2006

TD Banknorth, National Association, Portland, Maine -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of TD Bank USA, National Association, New York, New York.
-Submitted, September 13, 2006

Extensions Of Time

Adam Bank Group, Inc., Ocala, Florida -- extension to January 13, 2007, to become a bank holding company and to acquire at least 89 percent of the shares of American Momentum Bank, Tampa, Florida, a de novo bank.
-Granted, September 12, 2006

Adams Bank & Trust, Ogallala, Nebraska -- extension to December 31, 2006, to establish a branch at 7700 South College Avenue, Fort Collins, Colorado.
-Granted, September 15, 2006

Iowa State Bank, Wapello, Iowa -- extension to November 23, 2006, to establish a branch at 1403 South Roosevelt Avenue, Burlington.
-Granted, September 14, 2006

National City Corporation, Cleveland, Ohio -- commenter's request to extend the comment period on the application to acquire Fidelity Bankshares, Inc., West Palm Beach, Florida, and thereby acquire Fidelity Federal Bank & Trust.
-Denied, September 14, 2006

National City Corporation, Cleveland, Ohio -- commenter's request to extend the comment period on the application to acquire Harbor Florida Bancshares, Inc., Fort Pierce, Florida, and thereby acquire Harbor Federal Savings Bank.
-Denied, September 12, 2006

Regulation E (Electronic Fund Transfers) -- commenter's request to extend the comment period on the interim final rule with request for comment regarding electronic collection of service fees and electronic check conversion transactions (Docket No. R-1265).
-Denied, September 11, 2006

Membership

Alta Alliance Bank, Oakland, California, a de novo bank -- to become a member of the Federal Reserve System.
-Approved, September 11, 2006

Bank of North Florida, Jacksonville, Florida -- to become a member of the Federal Reserve System.
-Approved, September 13, 2006

First National Bank of Pinedale, Pinedale, Wyoming -- to retain membership in the Federal Reserve System on conversion from a national charter to a state charter, to be known as First State Bank of Pinedale.
-Approved, September 12, 2006

Actions under delegated authority

Actions taken during the week ending September 16, 2006