Actions under delegated authority

Citizens Bank, Slaton, Texas  -- to establish a branch at 7125 82nd Street, Lubbock.
-Approved, March 21, 2007 

Community Banks of Northern California, Tracy, California  -- to establish a branch at 800 J Street, Suite 100, Sacramento.
-Approved, March 19, 2007 

Community Banks of Northern California, Tracy, California  -- to establish a branch at 210 Towne Center Drive, Lathrop.
-Approved, March 19, 2007 

Exchange Bank and Trust Company, Perry, Oklahoma  -- to establish a branch at 4301 West 6th Street, Stillwater.
-Approved, March 22, 2007 

Fifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 956 Wolfrum Road, Weldon Springs, Missouri.
-Approved, March 22, 2007 

Fifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 15321 Latitude Drive, Bonita Springs, Florida.
-Approved, March 22, 2007 

Fifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 8101 Sorrento Lane, Naples, Florida.
-Approved, March 22, 2007 

Nara Bank, Los Angeles, California  -- to establish a branch at 10055 Garden Grove Boulevard, Garden Grove.
-Approved, March 21, 2007 

Virginia Business Bank, Richmond, Virginia  -- to provide a courier service to pick up deposits from customers.
-Approved, March 21, 2007 

Appalachian Bancshares, Inc., Ellijay, Georgia  -- to acquire Appalachian Community Bank, F.S.B., McCaysville, and thereby engage de novo in operating a savings association.
-Approved, March 21, 2007 

BB&T Corporation, Winston-Salem, North Carolina  -- to acquire Coastal Financial Corporation, Myrtle Beach, South Carolina, and thereby acquire Coastal Federal Bank and engage in operating a savings association; to acquire Coastal Planners Holding Corporation, parent of Coastal Retirement Estate & Tax Planners, Inc., and engage in the activities of financial planning and tax preparation services; and to acquire Coastal Federal Holding Corporation, Wilmington, Delaware, parent of Coastal Real Estate Investment Corporation, Sunset Beach, North Carolina, and engage in the activities of acquiring and servicing loans.
-Approved, March 19, 2007 

Cabool State Bank Employee Stock Ownership Plan, Cabool, Missouri  -- to acquire an additional 2 percent, for total ownership of 30.36 percent, of the shares of Cabool Bancshares, Inc. and thereby acquire Cabool State Bank.
-Approved, March 19, 2007 

Cathay General Bancorp, Los Angeles, California  -- waiver of application to acquire United Heritage Bank, Edison, New Jersey, in connection with its merger with Cathay Bank, Los Angeles, California.
-Granted, March 22, 2007 

Fairfield Financial Holdings Corp., Fairfield, Washington  -- to become a bank holding company and to acquire Bank of Fairfield.
-Approved, March 22, 2007 

FBG Holding Corporation, Tampa, Florida  -- to become a bank holding company and to acquire Florida Bank Group, Inc., Bank of St. Petersburg, Tampa; Bank of North Florida, Jacksonville; and The Bank of Tallahassee, Tallahassee.
-Approved, March 23, 2007 

First Southwest Corporation, McComb, Mississippi  -- request for relief from a commitment in connection with First Southwest Corporation ESOP.
-Granted, March 23, 2007 

FMCB Holdings, Inc., Senoia, Georgia  -- to acquire First Choice Community Bank, Dallas, a de novo bank.
-Approved, March 20, 2007 

Franklin Financial Services Corporation, Chambersburg, Pennsylvania  -- relief from a commitment.
-Granted, March 23, 2007 

Great Western Bancorporation, Inc., Omaha, Nebraska  -- waiver of application to acquire Sunstate Bank, Casa Grande, Arizona, in connection with the merger of Sunstate Bank with Great Western Bank, Watertown, South Dakota.
-Granted, March 22, 2007 

Kansas Pacific Investments, LLC, Hays, Kansas  -- to become a bank holding company and to acquire First National Bank.
-Withdrawn, March 21, 2007 

Montana Business Capital Corporation, Missoula, Montana  -- to become a bank holding company and to acquire Bank of Montana, a de novo bank, and to engage in commercial and residential loan origination activities.
-Withdrawn, March 22, 2007 

NHB Holdings, Inc., Jacksonville, Florida, and Proficio Mortgage Ventures, LLC  -- to engage de novo in mortgage banking activities through a joint venture with Plus Relocation Mortgage Solutions, Minneapolis, Minnesota
-Approved, March 22, 2007 

State Street Corporation, Boston, Massachusetts  -- waiver of application to acquire Investors Financial Services Corp. in connection with the merger of Investors Bank & Trust Company with State Street Bank and Trust Company.
-Withdrawn, March 19, 2007 

Peoples Community Bank, Montross, Virginia  -- to increase its investment in bank premises.
-Approved, March 21, 2007 

State Street Bank and Trust Company, Boston, Massachusetts  -- to acquire shares of Investors International Corporation.
-Withdrawn, March 19, 2007 

First Federal Bancorp, Columbia, Mississippi  -- change in bank control.
-Permitted, March 23, 2007 

L & M Bancshares, Inc., Shakopee, Minnesota  -- change in bank control.
-Permitted, March 21, 2007 

Premier Bancshares, Inc., Garland, Texas  -- change in bank control.
-Permitted, March 20, 2007 

Skagit State Bancorp, Burlington, Washington  -- change in bank control.
-Permitted, March 23, 2007 

East Penn Bank, Emmaus, Pennsylvania  -- extension to March 21, 2008, to establish a branch at 2985 Macarthur Road, Whitehall Township.
-Granted, March 19, 2007 

Oswego Community Bank Employee Stock Ownership Plan, Oswego, Illinois  -- extension to June 21, 2007, to increase its ownership from 37.71 percent to 51 percent of the shares of Oswego Bancshares, Inc. and thereby increase its ownership of Oswego Community Bank.
-Granted, March 21, 2007 

SV Bancorp, Inc., Wyoming, Ohio  -- extension to June 25, 2007, to become a bank holding company and to acquire Spring Valley Bank.
-Granted, March 23, 2007 

Emclaire Financial Corp, Emlenton, Pennsylvania  -- election to become a financial holding company.
-Effective, March 22, 2007