FRB: H.2--Actions under delegated authority--Week ending November 4, 2006

Bank of Hampton Roads, Norfolk, Virginia -- to establish a branch at 204 Carmichael Way, Chesapeake.
-Approved, November 1, 2006

Bank of Lenawee, Adrian, Michigan -- to establish a branch at 8 West Carleton Road, Hillsdale.
-Approved, October 31, 2006

The Commercial and Savings Bank of Millersburg, Ohio, Millersburg, Ohio -- to establish a branch at 461 Wadsworth Road, State Route 57, Orrville.
-Approved, November 1, 2006

Desert Community Bank, Victorville, California -- to establish a branch at 4895 Phelan Road, Phelan.
-Approved, November 2, 2006

SunTrust Bank, Atlanta, Georgia -- to establish a branch at 1508 Branan Field Road, Middleburg, Florida.
-Approved, November 1, 2006

Bank Holding Companies

Baltz Family Partnership, Parker, Colorado -- to become a bank holding company and to acquire United Banks of Colorado, Inc., Engelwood, and First United Bank, N.A.
-Withdrawn, November 2, 2006

Bancshares of Florida, Inc., Naples, Florida -- waiver of application in connection with the acquisition of Old Florida Bank, Ft. Myers.
-Withdrawn, November 3, 2006

FNBC Financial Corporation, Crestview, Florida -- to become a bank holding company and to acquire First National Bank of Crestview.
-Withdrawn, October 31, 2006

Great River Financial Group, Inc., Burlington, Iowa -- to operate a savings bank on the conversion of its subsidiary, Burlington Bank and Trust, from a state chartered bank to a federal savings bank.
-Approved, November 2, 2006

Highlands Bancshares, Inc., Dallas, Texas -- to become a bank holding company and to acquire First Jacksboro Bancshares, Inc., Jacksboro, First Jacksboro Bancshares of Delaware, Inc., Wilmington, Delaware, and The First National Bank of Jacksboro, Jacksboro.
-Approved, November 3, 2006

HNB Bancorp, Inc., Halifax, Pennsylvania -- to become a bank holding company and to acquire Halifax National Bank.
-Withdrawn, October 31, 2006

InsCorp, Inc., Nashville, Tennessee -- to acquire 50 percent, for a total of 100 percent, of the shares of Insurors Bank of Tennessee.
-Withdrawn, November 2, 2006

Kleberg and Company Bankers, Inc., Kingsville, Texas, and Kleberg Delaware, Inc., Dover, Delaware -- to acquire by merger Brazosport Corporation, Corpus Christi, Texas; Brazosport Corporation - Nevada, Inc., Carson City, Nevada; and First Commerce Bank, Corpus Christi; and to engage in nonbanking activities through the acquisition of First Commerce Mortgage Corporation, Corpus Christi.
-Approved, November 2, 2006

Marlborough Bancshares, MHC, Marlborough, Massachusetts, and Marlborough Bancshares, Inc. -- to become a mutual bank holding company and a stock bank holding company, respectively, and to acquire Marlborough Savings Bank.
-Approved, November 3, 2006

Park National Corporation, Newark, Ohio -- to acquire Anderson Bank Company, Cincinnati.
-Approved, October 31, 2006

Bank Mergers

Dacotah Bank, Aberdeen, South Dakota -- to purchase the assets and assume the liabilities of the Brookings branch of BankFirst, Sioux Falls, and thereby establish a branch at 425 22nd Avenue South, Brookings.
-Approved, November 3, 2006

Change In Bank Control

First Commercial Financial Corp., Seguin, Texas -- change in bank control.
-Permitted, October 31, 2006

Competitive Factors Reports

Atlantic Southern Bank, Macon, Georgia -- report on competitive factors of the proposed merger with Sapelo National Bank, Darien.
-Submitted, October 31, 2006

EmigrantDirect Bank, Ossining, New York -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of Emigrant Bank, New York.
-Submitted, October 30, 2006

The First National Bank of Hope, Hope, Arkansas -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of Bank of Blevins, Blevins.
-Submitted, October 31, 2006

First State Bank of Uvalde, Uvalde, Texas -- report on competitive factors of the proposed merger with Bank of Frio Canyon, Leakey.
-Submitted, November 2, 2006

Heartland Bank, Leawood, Kansas -- report on competitive factors of the proposed merger with Bank of Freeburg, Freeburg, Missouri, and thereby the establishment of a branch.
-Submitted, November 1, 2006

Liberty Bank of Arkansas, Jonesboro, Arkansas -- report on competitive factors of the proposed merger with First Arkansas Valley Bank, Russellville.
-Submitted, November 2, 2006

MEMBERS Trust Company, Tampa, Florida -- report on competitive factors of the proposed merger with MEMBERS Trust Company of Colorado, Denver, Colorado.
-Submitted, November 3, 2006

The Port Washington State Bank, Port Washington, Wisconsin -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the Cedarburg branch of Marine Bank, Wauwatosa.
-Submitted, November 1, 2006

Range Bank, National Association, Negaunee, Michigan -- report on competitive factors of the proposed merger with Range Bank- Copper Country, National Association, Calumet.
-Submitted, October 30, 2006

Tomahawk Community Bank S.S.B., Tomahawk, Wisconsin -- reports on competitive factors of the proposed merger with Tomahawk Interim Bank.
-Submitted, October 30, 2006

Extensions Of Time

S & T Bancorp, Inc., Indiana, Pennsylvania -- extension to February 17, 2007, to acquire up to 24.99 percent of the shares of Allegheny Valley Bancorp, Inc., Pittsburgh.
-Granted, October 31, 2006

S & T Bancorp, Inc., Indiana, Pennsylvania -- extension to February 8, 2007, to acquire up to 9.9 percent of the shares of IBT Bancorp, Inc., Irwin, and thereby indirectly acquire Irwin Bank & Trust Company.
-Granted, October 31, 2006

S & T Bancorp, Inc., Indiana, Pennsylvania -- extension to January 31, 2007, to acquire up to 9.9 percent of the shares of CBT Financial Corporation, Clearfield.
-Granted, October 31, 2006

Security State Bank, New Hampton, Iowa -- extension to February 4, 2007, to establish a branch at 610 Gilbert Street, Charles City.
-Granted, November 2, 2006

The Toronto-Dominion Bank, Toronto, Canada, and TD Banknorth Inc., Portland, Maine -- extension to January 30, 2007, to acquire Interchange Financial Services Corporation, Saddle Brook, New Jersey, and Interchange Bank.
-Granted, November 1, 2006

International Operations

JPMorgan Chase & Co., New York, New York -- modification of the aggregate investment limit under Regulation K in connection with an internal reorganization involving certain subsidiaries of JPMorgan Chase Bank, N.A., Columbus, Ohio.
-Approved, November 3, 2006

Actions under delegated authority

Actions taken during the week ending November 4, 2006