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#   Actions under delegated authority

## Actions taken during the week ending March 4, 2006

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Bank Branches, DomesticNew YorkAdirondack Bank, Utica, New York  -- to establish a de novo branch at 9544 Depot Street, Holland Patent.					-Approved, March 2, 2006 					AtlantaAmSouth Bank, Birmingham, Alabama  -- to establish branches at the intersection of Highway 98 and Beckrich Road, Panama City, Florida; 2587 South County Highway 395, Santa Rosa Beach; the intersection of State Road 674 and U.S. Highway 301, Sun City Center; 7799 North Wickham Road, Melbourne; and the intersection of Steed Road and Highland Colony Parkway, Madison, Mississippi.					-Approved, March 3, 2006 					St. LouisArvest Bank, Fayetteville, Arkansas  -- to establish a branch at 2025 Sonoma Park Drive, Oklahoma City, Oklahoma.					-Approved, March 1, 2006 					RichmondBank of the James, Lynchburg, Virginia  -- to establish a branch at 4935 Boonsboro Road, Suite C.					-Approved, March 3, 2006 					ChicagoCommunity Bank of Boone, Boone, Iowa  -- to establish a branch at 1601 West Lakes Parkway, Suite 100, West Des Moines.					-Approved, February 27, 2006 					Kansas CityCommunity Banks of Colorado, Greenwood Village, Colorado  -- to establish a branch at 10 Crested Butte Way, Mt. Crested Butte.					-Approved, February 27, 2006 					ClevelandFifth Third Bank, Cincinnati, Ohio  -- to establish a branch at 1379 North Shoop Avenue, Wauseon.					-Approved, March 3, 2006 					SecretaryFirst Community Bank, Taos, New Mexico  -- to establish a branch at 3600 Mitchell Drive, Suite 50-B, Fort Collins, Colorado.					-Approved, March 2, 2006 					ChicagoOld Second Bank-Yorkville, Yorkville, Illinois  -- to establish a branch at 7050 Burroughs Avenue, Plano.					-Approved, February 28, 2006 					RichmondVirginia Heritage Bank, Fairfax, Virginia  -- to provide a courier service to pick up noncash deposits from business customers.					-Approved, February 27, 2006 					

Bank Holding CompaniesKansas CityBank of Choice Holding Company, Greeley, Colorado  -- to acquire The First National Bank of Arvada, Arvada.					-Approved, February 28, 2006 					AtlantaCBS Banc-Corp, Russellville, Alabama  -- to acquire Farmers Bank, Cornersville, Tennessee.					-Approved, March 3, 2006 					San FranciscoCentral Pacific Financial Corp., Honolulu, Hawaii  -- relief from a certain commitment.					-Granted, March 1, 2006 					Kansas CityCitizens Bancshares, Inc., ESOP, Edmond, Oklahoma  -- to acquire up to 40 percent of the shares of Citizens Bancshares, Inc., parent of Citizens Bank of Edmond.					-Approved, February 28, 2006 					AtlantaFloridian Financial Group, Inc., Ormond Beach, Florida  -- to become a bank holding company and to acquire Floridian Bank, a de novo bank.					-Approved, February 27, 2006 					ChicagoIowa State Bank Holding Company, Des Moines, Iowa  -- to hold real estate for the purpose of economic development.					-Withdrawn, February 28, 2006 					AtlantaPeoples Bancshares of TN, Inc., Madisonville, Tennessee  -- to become a bank holding company and to acquire Peoples Bank of East Tennessee.					-Approved, March 3, 2006 					SecretaryWells Fargo & Company, San Francisco, California  -- to acquire Fremont National Bank of Canon City, Canon City, Colorado, and Centennial Bank of Pueblo, Pueblo.					-Approved, February 28, 2006 					ChicagoWintrust Financial Corporation, Lake Forest, Illinois  -- to acquire Old Plank Trail Community Bank, National Association, New Lenox, a de novo bank.					-Approved, February 28, 2006 					

Banks, ForeignNew YorkState Export-Import Bank of Ukraine, Inc., Kiev, Ukraine  -- to establish a representative office in New York, New York.					-Withdrawn, March 3, 2006 					

Change In Bank ControlAtlantaSequatchie County Bancorp, Inc., Dunlap, Tennessee  -- change in bank control.					-Permitted, March 3, 2006 					Kansas CityWilburton State Bancshares, Inc., Wilburton, Oklahoma  -- change in bank control.					-Withdrawn, March 1, 2006 					

Competitive Factors ReportsRichmondThe Columbia Bank, Columbia, Maryland  -- report on competitive factors of the proposed purchase of certain assets and assumption of liabilities of the Frederick branch of Hagerstown Trust Company, Hagerstown.					-Submitted, February 28, 2006 					AtlantaCommercebank, National Association, Coral Gables, Florida  -- report on competitive factors of the proposed merger with Florida Savings Bank, Pinecrest.					-Submitted, February 27, 2006 					RichmondFirst-Citizens Bank & Trust Company, Raleigh, North Carolina  -- report on competitive factors of the proposed merger with First Citizens Bank, National Association, Roanoke, Virginia.					-Submitted, February 28, 2006 					San FranciscoPacific Western National Bank, Santa Monica, California  -- report on competitive factors of the proposed merger with Foothill Independent Bank, Glendora.					-Submitted, March 2, 2006 					AtlantaUnited Community Bank, Blairsville, Georgia  -- report on competitive factors of the proposed merger with United Community Bank Tennessee, Lenior City, Tennessee.					-Submitted, February 28, 2006 					New YorkWalden Federal Savings & Loan Association, Walden, New York  -- report on competitive factors of the proposed merger with Interim I and Interim II, in connection with the conversion and reorganization of Hometown Bancorp MHC.					-Submitted, February 28, 2006 					

Extensions Of TimeChicagoCenterBank Financial, Inc., Northfield, Illinois  -- extension to May 29, 2006, to become a bank holding company and to acquire CenterBank and Trust, National Association, Deerfield, a de novo bank.					-Granted, February 27, 2006 					PhiladelphiaFirst Wyoming Financial Corporation, Wyoming, Delaware  -- extension to June 5, 2006, to become a bank holding company and to acquire First National Bank of Wyoming.					-Granted, March 3, 2006 					RichmondGateway Financial Holdings, Inc., Elizabeth City, North Carolina  -- extension to June 5, 2006, to acquire up to 9.9 percent of the shares of Commonwealth Bankshares, Inc., Norfolk, Virginia, and thereby acquire up to 9.9 percent of the shares of Bank of the Commonwealth.					-Granted, March 1, 2006 					AtlantaHamilton State Bancshares, Inc., Braselton, Georgia  -- extension to June 15, 2006, to become a bank holding company and to acquire Hamilton State Bank.					-Granted, February 28, 2006 					ChicagoIowa State Bank, Wapello, Iowa  -- extension to May 23, 2006, to establish a branch at 1403 South Roosevelt Avenue, Burlington.					-Granted, February 27, 2006 					

Financial Holding CompaniesKansas CityFirst National of Illinois, Inc., Omaha, Nebraska  -- election to become a financial holding company.					-Effective, March 2, 2006 					ChicagoOhnward Bancshares, Inc., Maquoketa, Iowa  -- election to become a financial holding company.					-Effective, March 2, 2006 					

Regulations And PoliciesSecretaryRegulation AA (Unfair or Deceptive Acts or Practices)  -- technical amendments to update the addresses of the Federal Reserve Banks where consumer complaints regarding a state member bank may be sent (Docket No. R-1252).					-Approved, March 1, 2006 					SecretaryRegulation B (Equal Credit Opportunity)  -- technical amendments to update the addresses of certain federal enforcement agencies (Docket No. R-1251).					-Approved, March 1, 2006 					

Release dates | Full version (300 KB PDF)Board Actions | Actions under delegated authority  Applications and reports received:Boston | New York | Philadelphia   | Cleveland | Richmond   | AtlantaChicago | St. Louis | Minneapolis   | Kansas City | Dallas   | San Francisco
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