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#   Actions under delegated authority

## Actions taken during the week ending October 7, 2006

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Bank Branches, DomesticRichmondBank of the Commonwealth, Norfolk, Virginia  -- to establish a branch at 2600 Taylor Road, Chesapeake.					-Approved, October 4, 2006 					RichmondBank of the Commonwealth, Norfolk, Virginia  -- to establish a branch at 1020 London Boulevard, Portsmouth.					-Approved, October 4, 2006 					SecretaryComerica Bank, Detroit, Michigan  -- to establish branches at 800 Southeast Monterey Commons Boulevard, Stuart, Florida, and 155 East Blue Heron Boulevard, Riviera Beach.					-Approved, October 4, 2006 					MinneapolisFirst Interstate Bank, Billings, Montana  -- to establish a branch at 100 Hutton Ranch Road, Kalispell.					-Approved, October 6, 2006 					St. LouisFirst Security Bank of Conway, Conway, Arkansas  -- to establish a branch at 624 Highway 365 South, Mayflower.					-Approved, October 5, 2006 					ChicagoJohnson Bank, Racine, Wisconsin  -- to establish a branch at 18818 Four Peaks Boulevard, Rio Verde, Arizona, and to retain the branch at 16155 North 83rd Avenue, Peoria.					-Approved, October 4, 2006 					RichmondRBC Centura Bank, Rocky Mount, North Carolina  -- to establish a branch at 3151 Lawrenceville-Suwanee Road, Suwanee, Georgia.					-Approved, October 5, 2006 					

Bank Holding CompaniesSan FranciscoThe Bank Holdings, Reno, Nevada  -- waiver of application to acquire NNB Holdings, Inc. in connection with the merger of their subsidiaries, Nevada Security Bank and Northern Nevada Bank.					-Granted, October 5, 2006 					SecretaryBelvedere Capital Fund II, L.P., San Francisco, California, and Belvedere Capital Partners II LLC  -- to engage de novo through their subsidiary, Hometown Commercial Capital, LLC, Burlingame, in funding and securitizing commercial real estate loans.					-Approved, October 2, 2006 					San FranciscoCathay Financial Holding Co., Ltd., Taipei, Taiwan, and Cathay Life Insurance Co., Ltd.  -- to acquire up to 9.99 percent of the shares of First Financial Holding Co., Ltd. and Chinatrust Financial Holding Co., Ltd. and thereby acquire First Commercial Bank (U.S.A.), Alhambra, California, and Chinatrust Bank (U.S.A.), Torrance.					-Withdrawn, October 4, 2006 					New YorkCommunity Bank System, Inc., Dewitt, New York  -- waiver of application in connection with the merger with ONB Corporation, Clifton Springs.					-Withdrawn, October 3, 2006 					RichmondFirst Charter Corporation, Charlotte, North Carolina  -- to acquire GBC Bancorp, Inc., Lawrenceville, Georgia, and Gwinnett Banking Company.					-Approved, October 2, 2006 					ChicagoGateway Banc Corp., Roscoe, Illinois  -- to become a bank holding company and to acquire Gateway Community Bank.					-Approved, October 4, 2006 					New YorkLloyds TSB Group Plc, London, England, and Lloyds TSB Bank plc  -- to engage de novo through a subsidiary, Scottish Widows Investment Partnership Ltd., in investment advisory activities.					-Approved, October 6, 2006 					Kansas CityPony Express Bancorp, Inc., Elwood, Kansas  -- to acquire Bank of Paxton, Paxton, Nebraska, and to engage in lending activities.					-Approved, October 5, 2006 					AtlantaSouthCrest Financial Group, Inc., Fayetteville, Georgia  -- to merge with Maplesville Bancorp, Maplesville, Alabama, and thereby acquire its subsidiary, Peachtree Bank.					-Approved, October 2, 2006 					ClevelandTriState Capital Holdings, Inc., Pittsburgh, Pennsylvania  -- to become a bank holding company and to acquire TriState Capital Bank.					-Returned, October 3, 2006 					AtlantaU.S. Century Bancorp, Inc., Miami, Florida  -- to become a bank holding company and to acquire U.S. Century Bank.					-Withdrawn, October 4, 2006 					San FranciscoU.S. Trust Corporation, New York, New York  -- relief from certain commitments.					-Granted, October 5, 2006 					

Banks, Nonmember, And Miscellaneous InstitutionsBostonGardiner Savings Institution Federal Saving Bank, Gardiner, Maine  -- waiver of application in connection with the acquisition of First Citizens Bank, Presque Isle.					-Granted, October 6, 2006 					

Change In Bank ControlDallasAlliance Bancshares, Inc., Sulphur Springs, Texas  -- change in bank control.					-Permitted, October 4, 2006 					Kansas CityDurant Bancorp, Inc., Durant, Oklahoma  -- change in bank control.					-Permitted, October 6, 2006 					ClevelandF.N.B. Bancorporation, Inc., Fort Mitchell, Kentucky  -- change in bank control.					-Permitted, October 5, 2006 					AtlantaP B Bancshares, Inc., Clifton, Tennessee  -- to retain control of P B Bancshares, Inc.					-Permitted, October 5, 2006 					ClevelandUnion Bank and Trust Company, Lincoln, Nebraska  -- change in bank control.					-Permitted, October 5, 2006 					

Competitive Factors ReportsPhiladelphiaThe Bank, Woodbury, New Jersey  -- report on competitive factors of the proposed merger with First Washington State Bank, Windsor.					-Submitted, October 6, 2006 					AtlantaCB&T Bank of Middle Georgia, Warner Robins, Georgia  -- report on competitive factors of the proposed merger with The Citizens Bank, Fort Valley.					-Submitted, October 5, 2006 					St. LouisCitizens First Bank, Inc., Bowling Green, Kentucky  -- report on competitive factors of the proposed merger with Kentucky Banking Centers, Inc., Glasgow.					-Submitted, October 6, 2006 					MinneapolisFirst Fidelity Bank, Burke, South Dakota  -- report on competitive factors of the proposed acquisition by merger of the Winner branch of Great Western Bank, Watertown.					-Submitted, October 5, 2006 					PhiladelphiaFulton Bank, Lancaster, Pennsylvania  -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of Premier Bank, Doylestown.					-Submitted, October 6, 2006 					ChicagoGateway Community Bank, Roscoe, Illinois  -- report on competitive factors of the proposed merger with Republic Bank of Roscoe, an interim bank.					-Submitted, October 5, 2006 					Kansas CityGrand Mountain Bank, FSB, Granby, Colorado  -- report on competitive factors of the proposed merger with New Grand Mountain Bank, FSB.					-Submitted, October 5, 2006 					MinneapolisGreat Western Bank, Watertown, South Dakota  -- report on competitive factors of the proposed acquisition of and merger with four branches of Home Federal Bank, Sioux Falls.					-Submitted, October 3, 2006 					PhiladelphiaGreater Delaware Valley Savings Bank, Broomall, Pennsylvania  -- report on competitive factors of the proposed merger with Alliance Interim Savings Bank.					-Submitted, October 4, 2006 					DallasHappy State Bank, Happy, Texas  -- report on competitive factors of the proposed merger with American Church Trust Company, Houston.					-Submitted, October 3, 2006 					PhiladelphiaMid Penn Bank, Millersburg, Pennsylvania  -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of the Steelton and Middletown branches of Omega Bank, State College.					-Submitted, October 4, 2006 					AtlantaUnited Community Bank, Blairsville, Georgia  -- report on competitive factors of the proposed merger with Southern National Bank, Marietta.					-Submitted, October 5, 2006 					BostonWestfield Bank, Westfield, Massachusetts  -- report on competitive factors of the proposed merger with Westfield Interim Savings Banks I, II, and III.					-Submitted, October 4, 2006 					

Extensions Of TimeKansas CityColorado Community Bank, Yuma, Colorado  -- extension to January 7, 2007, to establish a branch at 4625 Trail Boss Drive, Castle Rock.					-Granted, October 6, 2006 					AtlantaIBERIABANK, Lafayette, Louisiana  -- extension to October 14, 2007, to establish a branch at 338 Settlers Trace.					-Granted, October 4, 2006 					

Financial Holding CompaniesKansas CityLoLyn Financial Corporation, Raymore, Missouri  -- election to become a financial holding company.					-Effective, October 4, 2006 					San FranciscoWSB Financial Group, Inc., Bremerton, Washington  -- election to become a financial holding company.					-Effective, October 3, 2006 					

International OperationsDirector, BS&RNOVA European Holdings Company, Minneapolis, Minnesota  -- waiver of remainder of notification period to invest in Elavon Financial Services, Dublin, Ireland.					-Granted, September 29, 2006 					(AC)

MembershipSan FranciscoSan Joaquin Bank, Bakersfield, California  -- to become a member of the Federal Reserve System.					-Approved, October 6, 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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