FRB: H.2--Actions under delegated authority--Week ending October 28, 2006

The Colorado Bank and Trust Company of La Junta, La Junta, Colorado -- to establish a mobile branch to operate from the branch at 23051 East U.S. Highway 50, Pueblo.
-Approved, October 26, 2006

Comerica Bank, Detroit, Michigan -- to establish a branch at 4901 North Belt Line Road, Irving, Texas.
-Approved, October 26, 2006

East West Bank, Pasadena, California -- to establish a branch at 6032 Stevenson Boulevard, Fremont.
-Approved, October 27, 2006

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 43710 Ford Road, Canton.
-Approved, October 26, 2006

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 9691 Telegraph Road, Taylor.
-Approved, October 26, 2006

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 2419 Highway K, O'Fallon, Missouri.
-Approved, October 27, 2006

Fifth Third Bank, Grand Rapids, Michigan -- to establish a branch at 4909 Laclede Avenue, St. Louis, Missouri.
-Approved, October 27, 2006

Highlands Union Bank, Abingdon, Virginia -- to establish a branch at the intersection of Mountain Grove and Majestic Roads, Knoxville, Tennessee.
-Approved, October 25, 2006

HomeTown Bank, Roanoke, Virginia -- to establish a branch at 3521 Franklin Road.
-Approved, October 27, 2006

New Peoples Bank, Inc., Honaker, Virginia -- to establish a branch at the intersection of Highways 58 and 715, Ben Hur.
-Approved, October 23, 2006

Old Southern Bank, Clermont, Florida -- to establish a branch at 1460 East Highway 50.
-Approved, October 24, 2006

Bank Holding Companies

Banco Bilbao Vizcaya, Argentaria, S.A., Bilbao, Spain -- to acquire Texas Regional Bancshares, Inc., McAllen, Texas; Texas Regional Delaware, Inc., Wilmington, Delaware; and Texas State Bank, McAllen, Texas.
-Approved, October 23, 2006

C-B-G, Inc., West Liberty, Iowa -- relief from a commitment.
-Granted, October 25, 2006

Citizens First Corporation, Bowling Green, Kentucky -- to acquire Kentucky Banking Centers, Inc., Glasgow.
-Approved, October 25, 2006

Cullen/Frost Bankers, Inc., San Antonio, Texas -- waiver of application to acquire Summit Bancshares, Inc., Fort Worth; Summit Delaware Financial Corporation, Wilmington, Delaware; and Summit Bank, National Association, Fort Worth, Texas; in connection with the merger of Summit Bank, National Association, and The Frost National Bank, San Antonio.
-Granted, October 25, 2006

First Community Bancorp, Rancho Santa Fe, California -- waiver of application to merge with Community Bancorp, Inc., Escondido, in connection with the merger of Community National Bank and First National Bank, Rancho Santa Fe.
-Granted, October 25, 2006

New York Private Bank & Trust Corporation, New York, New York, Emigrant Bancorp, Inc., and Emigrant Bank -- to acquire EmigrantDirect Bank, Ossining, a de novo bank.
-Approved, October 26, 2006

Premier Commercial Bancorp, Anaheim, California -- to acquire at least 85.4 percent of the shares of Premier Commercial Bank Arizona, N.A., Mesa, Arizona, a de novo bank.
-Approved, October 26, 2006

United Community Banks, Inc., Blairsville, Georgia -- to merge with Southern Bancorp, Inc., Marietta, and thereby acquire Southern National Bank.
-Approved, October 25, 2006

Competitive Factors Reports

American Banking Company, Moultrie, Georgia -- report on competitive factors of the proposed merger with Bank of Thomas County, Thomasville.
-Submitted, October 26, 2006

Farmers State Bank, Maywood, Nebraska -- report on competitive factors of the proposed merger with Farmers State Bank, Big Springs, and thereby establishment of a branch.
-Submitted, October 24, 2006

Hancock Bank of Alabama, Mobile, Alabama -- report on competitive factors of the proposed purchase of certain assets and assumption of deposit liabilities of the Mobile branch of Hancock Bank, Gulfport, Mississippi.
-Submitted, October 26, 2006

State Bank of Cross Plains, Cross Plains, Wisconsin -- report on competitive factors of the proposed merger with Independent Bank, Verona.
-Submitted, October 23, 2006

State Bank of Waverly, Waverly, Iowa -- report on competitive factors of the proposed merger with Iowa Savings Bank, Dike.
-Submitted, October 23, 2006

Extensions Of Time

The Adirondack Trust Company Employee Stock Ownership Trust, Saratoga Springs, New York -- extension to January 28, 2007, to acquire additional shares of 473 Broadway Holding Corporation and The Adirondack Trust Company.
-Granted, October 26, 2006

The Farmers State Bank of Fort Morgan Colorado Employee Stock Ownership Plan, Fort Morgan, Colorado -- extension to February 17, 2007, to acquire up to 38 percent of the shares of F.S.B. Bancorporation of Fort Morgan, Colorado, parent of Farmers State Bank of Fort Morgan.
-Granted, October 25, 2006

Great American Bank, De Soto, Kansas -- extension to April 12, 2007, to establish a branch at the intersection of Dean Avenue and Highway 58, Raymore, Missouri.
-Granted, October 25, 2006

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to January 20, 2007, to establish a branch at 7860 32nd Street, Oakdale, Minnesota (formerly at 34th Street North and Ideal Avenue North).
-Granted, October 24, 2006

M&I Marshall & Ilsley Bank, Milwaukee, Wisconsin -- extension to January 20, 2007, to establish a branch at the intersection of 75th Avenue and Lower Buckeye Road, Phoenix, Arizona.
-Granted, October 24, 2006

Southwest Bank of St. Louis, St. Louis, Missouri -- extension to January 27, 2007, to establish a branch at the intersection of Winghaven Boulevard and Technology Drive, O'Fallon.
-Granted, October 24, 2006

Southwest Bank of St. Louis, St. Louis, Missouri -- extension to January 31, 2007, to establish a branch at the intersection of Highway K and Laura Hill Road, O'Fallon.
-Granted, October 27, 2006

Financial Holding Companies

Employee Stock Ownership Plan NB&T Financial Group, Inc., Wilmington, Ohio -- election to become a financial holding company.
-Effective, October 26, 2006

NB&T Financial Group, Inc., Wilmington, Ohio -- election to become a financial holding company.
-Effective, October 26, 2006

Peoples Bancorp, Inc., Chestertown, Maryland -- election to become a financial holding company.
-Effective, October 26, 2006

Actions under delegated authority

Actions taken during the week ending October 28, 2006

Bank Branches, Domestic

Bank Holding Companies

Competitive Factors Reports

Extensions Of Time

Financial Holding Companies