Actions under delegated authority

Arvest Bank, Fayetteville, Arkansas  -- to establish a branch at 2600 Donaghey Avenue, Conway.
-Approved, October 17, 2006 

Bank of Evansville, Evansville, Indiana  -- to establish a branch at 515 Dixie Lane.
-Approved, October 17, 2006 

Bank of the James, Lynchburg, Virginia  -- to establish a branch at 164 South Main Street, Amherst.
-Approved, October 19, 2006 

Citizens Community Bank, South Hill, Virginia  -- to establish a branch at 138 Roanoke Rapids Road, Gaston, North Carolina.
-Approved, October 16, 2006 

Cottonwood Valley Bank, Cedar Point, Kansas  -- to establish a branch at 200 Broadway Street, Cottonwood Falls.
-Approved, October 16, 2006 

County Bank, Merced, California  -- to establish a branch at the intersection of Shanks Road and Schiendel Avenue, Delhi.
-Approved, October 16, 2006 

Farmers & Mechanics Bank, Frederick, Maryland  -- to establish a branch at 12916 Conamar Drive, Hagerstown.
-Approved, October 16, 2006 

Fidelity & Trust Bank, Bethesda, Maryland  -- to establish a branch at 8601 Westwood Center Drive, Vienna, Virginia.
-Approved, October 20, 2006 

Fifth Third Bank, Cincinnati, Ohio  -- to establish a branch at 4653 Tuscarawas Street West, Perry Township.
-Approved, October 20, 2006 

Fifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 225 West State Street, Geneva, Illinois.
-Approved, October 17, 2006 

Fifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 24653 West Higgins Road, Hoffman Estates, Illinois.
-Approved, October 17, 2006 

Fifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 400 East South Water Street, Chicago, Illinois.
-Approved, October 17, 2006 

First Bank, St. Louis, Missouri  -- to establish a branch at 1788 Tribute Road, Suite 304, Sacramento, California.
-Approved, October 17, 2006 

RBC Centura Bank, Raleigh, North Carolina  -- to establish a branch at 14495 Miramar Parkway, Miramar, Florida.
-Approved, October 18, 2006 

RBC Centura Bank, Raleigh, North Carolina  -- to establish a branch at 4620 PGA Boulevard, Suite 101, Palm Beach Gardens, Florida.
-Approved, October 18, 2006 

Sandy Spring Bank, Olney, Maryland  -- to establish a branch at 8677 Georgia Avenue, Silver Spring.
-Approved, October 18, 2006 

Baytree Bancorp, Inc., Lake Forest, Illinois  -- to engage in riskless principal transactions through its subsidiary, Baytree Bancorp Investments, Inc.
-Approved, October 20, 2006 

BBOK Bancshares, Inc., Wichita, Kansas  -- to acquire First St. Louis Securities, St. Louis, Missouri, and thereby engage in securities brokerage, private placement services, and underwriting and dealing in government obligations and money market instruments.
-Approved, October 20, 2006 

Blue Lion Bancshares, Inc., Prairie Village, Kansas  -- to become a bank holding company and to acquire 99.95 percent of the shares of Hartford State Bank, Hartford.
-Approved, October 20, 2006 

BOR Bancorp, Rothville, Missouri  -- to become a bank holding company and to acquire Bank of Rothville.
-Approved, October 16, 2006 

Cadence Financial Corporation, Starkville, Mississippi  -- amended request for waiver of application to acquire Seasons Bancshares, Inc., Blairsville, Georgia, and Seasons Bank; and for Seasons Bank to merge with Cadence Financial Corporation's subsidiary, Cadence Bank, N.A., Starkville.
-Granted, October 16, 2006 

CP Capital Asset Acquisition, Inc., Miami, Florida  -- to become a bank holding company and to acquire Security Bank, N.A., North Lauderdale.
-Approved, October 20, 2006 

Heartland Financial USA, Inc., Dubuque, Iowa  -- to acquire Summit Acquisition Corporation, Broomfield, Colorado, and Summit Bank & Trust, a de novo bank; and for Summit Acquisition Corporation to become a bank holding company and to acquire Summit Bank & Trust.
-Approved, October 16, 2006 

Jacksonville Bancorp, Inc., Jacksonville, Florida  -- relief from a commitment.
-Withdrawn, October 18, 2006 

National City Corporation, Cleveland, Ohio  -- to acquire Fidelity Bankshares, Inc., West Palm Beach, Florida, Fidelity Federal Bank & Trust, and Fidelity Realty & Appraisal Services, Inc. and thereby engage in real estate appraisal services.
-Approved, October 16, 2006 

PrivateBancorp, Inc., Chicago, Illinois  -- to acquire Piedmont Bancshares, Inc., Atlanta, Georgia, and Piedmont Bank of Georgia.
-Approved, October 18, 2006 

RBC Centura Banks, Inc., Raleigh, North Carolina; Royal Bank of Canada, Montreal, Quebec, Canada; Royal Bank Holding Inc., Toronto, Ontario; RBC Holding (USA) Inc., New York, New York; RBC USA Holdco Corporation; RBC Holdings (Delaware) Inc., Wilmington, Delaware; Prism Financial Corporation, Chicago, Illinois; and FLAG Acquisition Sub, Inc., Rocky Mount, North Carolina  -- to acquire FLAG Financial Corporation, Atlanta, Georgia, and FLAG Bank.
-Approved, October 18, 2006 

S.B.C.P. Bancorp, Inc., Cross Plains, Wisconsin  -- waiver of application to acquire Verona Bancshares, Limited, Verona, and Independent Bank, in connection with the merger of Independent Bank and State Bank of Cross Plains, Cross Plains.
-Granted, October 20, 2006 

St. Elizabeth Bancshares, Inc., St. Elizabeth, Missouri  -- to acquire Bank of Freeburg, Freeburg.
-Approved, October 16, 2006 

Sterling Financial Corporation, Spokane, Washington  -- waiver of application to merge with FirstBank NW Corp, Clarkston, in connection with the merger of FirstBank Northwest and Sterling Savings Bank, Spokane.
-Granted, October 20, 2006 

Farmers and Miners Bank, Pennington Gap, Virginia  -- to increase its investment in bank premises.
-Approved, October 19, 2006 

Peoples Community Bank, Montross, Virginia  -- to increase its investment in bank premises.
-Approved, October 17, 2006 

Big Coal River Bancorp, Inc., Whitesville, West Virginia  -- to retain control of Big Coal River Bancorp, Inc.
-Permitted, October 20, 2006 

Dearmin Bancorp, Inc., Odon, Indiana  -- change in bank control.
-Permitted, October 16, 2006 

Landmark Community Bank, Pittston, Pennsylvania  -- change in bank control.
-Permitted, October 18, 2006 

American Banking Company, Moultrie, Georgia  -- report on competitive factors of the proposed merger with Islands Community Bank, N.A., Beaufort, South Carolina.
-Submitted, October 16, 2006 

The Citizens Bank, Morehead, Kentucky  -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the Owingsboro and Sharpsburg branches of Farmers Bank & Trust Company, Georgetown.
-Submitted, October 16, 2006 

First Bank & Trust, SB, Paris, Illinois  -- report on competitive factors of the proposed purchase of assets and assumption of deposit liabilities of the Rantoul branch of Central Illinois Bank, Champaign.
-Submitted, October 16, 2006 

First Security Bank, Underwood, Underwood, North Dakota  -- report on competitive factors of the proposed merger with The First National Bank of McClusky, McClusky.
-Submitted, October 18, 2006 

Franklin Bank, S.S.B., Houston, Texas  -- report on competitive factors of the proposed acquisition of the Mount Vernon and Winnsboro branches of Equity Bank, SSB, Dallas.
-Submitted, October 18, 2006 

Franklin Bank, S.S.B., Houston, Texas  -- report on competitive factors of the proposed acquisition of the Mount Vernon and Winnsboro branches of Equity Bank, SSB, Dallas.
-Submitted, October 20, 2006 

Gardiner Savings Institution Federal Savings Bank, Gardiner, Maine  -- report on competitive factors of the proposed acquisition of First Citizens Bank, Presque Isle.
-Submitted, October 17, 2006 

Hampden Bank, Springfield, Massachusetts  -- report on competitive factors of the proposed merger with Hampden Bancorp, MHC, in connection with a reorganization of the mutual holding company into a stock bank holding company.
-Submitted, October 18, 2006 

Mountain State Bank, Dawsonville, Georgia  -- report on competitive factors of the proposed acquisition of assets and liabilities of the two Dahlonega branches of Gainesville Bank & Trust, Gainesville.
-Submitted, October 19, 2006 

Northview Bank, Finlayson, Minnesota  -- report on competitive factors of the proposed merger with The First National Bank of Deer River, Deer River.
-Submitted, October 18, 2006 

The Old Second National Bank of Aurora, Aurora, Illinois  -- report on competitive factors of the proposed merger with Old Second Mortgage Company, St. Charles.
-Submitted, October 16, 2006 

Patriot Bank, Houston, Texas  -- report on competitive factors of the proposed merger with Northeast National Bank, Mesquite.
-Submitted, October 20, 2006 

Prosperity Bank, El Campo, Texas  -- report on competitive factors of the proposed merger with GNB Financial N.A., Gainesville.
-Submitted, October 20, 2006 

Prosperity Bank, El Campo, Texas  -- report on competitive factors of the proposed merger with Northwest Bank, Roanoke.
-Submitted, October 20, 2006 

Prosperity Bank, El Campo, Texas  -- report on competitive factors of the proposed merger with Gateway National Bank, Dallas.
-Submitted, October 20, 2006 

RBC Centura Bank, Raleigh, North Carolina  -- report on competitive factors of the proposed merger with FLAG Financial Corporation, Atlanta, Georgia.
-Submitted, October 18, 2006 

Shinhan Bank America, New York, New York  -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the Oradell, New Jersey, branch of The Provident Bank, Jersey City.
-Submitted, October 19, 2006 

Sterling Savings Bank, Spokane, Washington  -- report on competitive factors of the proposed merger with FirstBank Northwest, Clarkston.
-Submitted, October 19, 2006 

United Commercial Bank, San Francisco, California  -- report on competitive factors of the proposed merger with The Summit National Bank, Atlanta, Georgia.
-Submitted, October 18, 2006 

IBERIABANK, Lafayette, Louisiana  -- extension to November 4, 2007, to establish a branch at Highway 21, Covington.
-Granted, October 17, 2006 

SunTrust Bank, Atlanta, Georgia  -- extension to November 25, 2007, to establish a branch at 121 Rolling Hill Road, Suite 225, Mooresville, North Carolina.
-Granted, October 19, 2006