Actions under delegated authority

Comerica Bank, Detroit, Michigan  -- to establish branches at 2432 East Katella Avenue, Anaheim, California, and 401 Grand Avenue, South San Francisco.
-Approved, September 27, 2006 

LegacyTexas Bank, Plano, Texas  -- to establish a branch at 907 South Main Street, Grapevine.
-Approved, September 27, 2006 

Manufacturers and Traders Trust Company, Buffalo, New York  -- to establish a branch at 1861 Wiehle Avenue, Reston, Virginia.
-Approved, September 29, 2006 

PlainsCapital Bank, Lubbock, Texas  -- to establish a branch at 8200 Douglas Avenue, Suite 100, Dallas.
-Approved, September 29, 2006 

Baldwin Bancshares, Inc., Baldwin, Wisconsin  -- to acquire Gavic Services, Inc., Spring Valley, and thereby acquire The Bank of Spring Valley.
-Approved, September 29, 2006 

BlackRidge Financial, Inc., Fargo, North Dakota  -- to acquire Carlos Bancshares, Inc., Alexandria, Minnesota, and thereby acquire First State Bank of Alexandria.
-Approved, September 29, 2006 

BOK Financial Corporation, Tulsa, Oklahoma  -- to acquire The State Bank of Colony, Colony, Kansas.
-Approved, September 27, 2006 

Castle Creek Capital Partners III, L.P., Rancho Santa Fe, California  -- for The BANKshares, Inc., Rancho Santa Fe, to become an intermediate bank holding company and to acquire The BANKshares, Inc., Melbourne, Florida, and The Bank Brevard; and for Castle Creek Capital Partners III, L.P., Rancho Santa Fe, California; Castle Creek Capital III, LLC; Eggemeyer Capital, LLC; Ruh Capital, LLC; and Legions IV Advisory Corp. to acquire The BANKshares, Inc., Melbourne, Florida, and The Bank Brevard.
-Approved, September 29, 2006 

Congaree Bancshares, Inc., West Columbia, South Carolina  -- to become a bank holding company and to acquire Congaree State Bank, a de novo bank.
-Approved, September 25, 2006 

Fortis S.A./N.V., Brussels, Belgium; Fortis N.V.; Fortis Brussels S.A./N.V.; and Fortis Bank S.A./N.V.  -- to engage on a limited basis in physical commodity trading activities.
-Approved, September 29, 2006 

JPMorgan Chase & Co., New York, New York  -- request for an exemption under the Depository Institution Management Interlocks Act and Regulation L.
-Granted, September 28, 2006 

Lincoln Bancorp, Plainfield, Indiana  -- to become a bank holding company on conversion of Lincoln Bank from a federal savings bank to a state-chartered commercial bank, and to engage de novo in lending activities.
-Approved, September 28, 2006 

SV Bancorp, Inc., Wyoming, Ohio  -- to become a bank holding company and to acquire Spring Valley Bank.
-Approved, September 25, 2006 

United Citizens Bancorp, Inc., Columbia, Kentucky  -- to become a bank holding company and to acquire United Citizens Bank of Southern Kentucky, Inc.
-Approved, September 29, 2006 

CapitalSouth Bank, Birmingham, Alabama  -- to merge with Capital Bank, Montgomery, and thereby establish a branch.
-Approved, September 29, 2006 

Hinsdale Bank & Trust Company, Hinsdale, Illinois  -- to purchase the assets and assume the liabilities of the Willowbrook, Darien, and Downers Grove branches of Hinsbrook Bank and Trust, Willowbrook, and thereby establish branches.
-Approved, September 28, 2006 

Orrstown Bank, Shippensburg, Pennsylvania  -- to purchase the assets and assume the liabilities of the Mechanicsburg branch of Omega Bank, State College, and thereby establish a branch.
-Approved, September 26, 2006 

Wheaton Bank & Trust, Wheaton, Illinois  -- to purchase the assets and assume the liabilities of the Glen Ellyn and Lombard branches of Hinsbrook Bank and Trust, Willowbrook, and thereby establish branches.
-Approved, September 28, 2006 

Big Coal River Bancorp, Inc., Whitesville, West Virginia  -- to retain control of Big Coal River Bancorp, Inc.
-Permitted, September 28, 2006 

Freedom Holdings Company, West Des Moines, Iowa  -- to retain control of Freedom Holdings Company.
-Permitted, September 28, 2006 

Midland Bancshares, Inc., Kincaid, Illinois  -- change in bank control.
-Permitted, September 28, 2006 

American Banking Company, Moultrie, Georgia  -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of Tri-County Bank, Trenton, Florida, and Merchants and Farmers Bank, Kosciusko, Mississippi.
-Submitted, September 29, 2006 

Bank of Choice Colorado, Arvada, Colorado  -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of Colonial Bank, Aurora, and its Englewood, Denver, Kiowa, Elizabeth, and Parker branches.
-Submitted, September 25, 2006 

Branch Banking and Trust Company, Winston-Salem, North Carolina  -- report on competitive factors of the proposed merger with Branch Banking and Trust Company of South Carolina, Greenville, South Carolina.
-Submitted, September 26, 2006 

Branch Banking and Trust Company, Winston-Salem, North Carolina  -- report on competitive factors of the proposed merger with Branch Banking and Trust Company of Virginia, Richmond, Virginia.
-Submitted, September 26, 2006 

Fairfield County Bank Corp., Ridgefield, Connecticut  -- report on competitive factors of the proposed reorganization as a capital stock bank.
-Submitted, September 28, 2006 

GMAC Automotive Bank, Midvale, Utah  -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of GMAC Bank, FSB, Horsham, Pennsylvania.
-Submitted, September 26, 2006 

Kitsap Bank, Port Orchard, Washington  -- report on competitive factors of the proposed merger with MarinerBank, Port Townsend.
-Submitted, September 25, 2006 

Marine Bank & Trust, Carthage, Illinois  -- report on competitive factors of the proposed merger with Security State Bank of Hamilton, Hamilton, and State Bank of Augusta, Augusta.
-Submitted, September 27, 2006 

Osage Bancshares, Inc., Pawhuska, Oklahoma  -- report on competitive factors of the proposed acquisition of Osage Federal Bank.
-Submitted, September 28, 2006 

Pacific Western Bank, Santa Monica, California  -- report on competitive factors of the proposed merger with First National Bank, Rancho Santa Fe.
-Submitted, September 29, 2006 

Minier Financial, Inc. Employee Stock Ownership Plan w/401(K) Provisions, Minier, Illinois  -- extension to December 30, 2006, to become a bank holding company and to acquire between 25 percent and 51 percent of the shares of Minier Financial, Inc. and thereby acquire First Farmers State Bank.
-Granted, September 27, 2006 

The Northern Trust Corporation, Chicago, Illinois; The Northern Trust Company, and The Northern Trust International Banking Corporation, New York, New York  -- extension to September 30, 2007, to comply with a commitment.
-Granted, September 28, 2006 

RockBridge Financial Holdings, Inc., Atlanta, Georgia  -- extension to December 27, 2006, to become a bank holding company and to acquire RockBridge Commercial Bank, a de novo bank.
-Granted, September 26, 2006 

ChoiceOne Financial Services, Inc., Sparta, Michigan  -- election to become a financial holding company.
-Effective, September 29, 2006 

Community Resource Bank, Northfield, Minnesota  -- to become a member of the Federal Reserve System.
-Approved, September 26, 2006