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#   Actions under delegated authority

## Actions taken during the week ending July 1, 2006

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Bank Branches, DomesticAtlantaBank Independent, Sheffield, Alabama  -- to establish a branch at the corner of Highway 72 and Lindsay Lane, Athens.					-Approved, June 29, 2006 					ClevelandFifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 5075 West Washington Street, Indianapolis, Indiana.					-Approved, June 30, 2006 					St. LouisFirst Bank, St. Louis, Missouri  -- to relocate a branch from 1001 Grant Avenue to 1143 Grant Avenue, San Francisco, California.					-Approved, June 28, 2006 					SecretaryFirst Community Bank, Taos, New Mexico  -- to establish a branch at 2710 East Camelback Road, Phoenix, Arizona.					-Approved, June 30, 2006 					SecretaryThe Northern Trust Company, Chicago, Illinois  -- to establish a branch at 401 South Main Street, Naperville.					-Approved, June 30, 2006 					RichmondWaccamaw Bank, Whiteville, North Carolina  -- to establish a branch at 701 North Howe Street, Southport.					-Approved, June 30, 2006 					

Bank Holding CompaniesBostonBraintree Bancorp MHC, Braintree, Massachusetts  -- to become a bank holding company and to acquire The Braintree Co-operative Bank.					-Approved, June 26, 2006 					Director, BS&RCitigroup Inc., New York, New York  -- modification of certain commitments.					-Granted, June 27, 2006 					Kansas CityCommerce Bancshares, Inc., Kansas City, Missouri, and CBI-Kansas  -- waiver of application to merge with West Pointe Bancorp, Inc., Belleville, Illinois; and simultaneously to merge West Pointe Bank and Trust Company with Commerce Bank, N.A., Kansas City, Missouri.					-Granted, June 28, 2006 					Kansas CityEmprise Financial Corporation, Wichita, Kansas  -- to acquire Prairie Capital, Inc., Augusta, parent of Prairie State Bank.					-Approved, June 29, 2006 					New YorkLloyds TSB Group Plc, London, England, and Lloyds TSB Bank Plc  -- to engage de novo through Hill Samuel Inc., New York, New York, a subsidiary of Lloyds TSB Bank, in personal-property leasing activities and related lending activities.					-Approved, June 29, 2006 					AtlantaMid-America Bancshares, Inc., Nashville, Tennessee  -- to become a bank holding company and to acquire Bank of the South, Mt. Juliet, and PrimeTrust Bank, Nashville.					-Approved, June 26, 2006 					Kansas CityMidwest Community Financial Corporation, Midwest City, Oklahoma  -- to engage in mortgage loan origination activities through the acquisition of American Resource Mortgage, Inc.					-Approved, June 29, 2006 					New YorkNew York Private Bank & Trust Corporation, New York, New York, and Emigrant Bancorp, Inc.  -- to acquire New York Private Bank & Trust , FSB, Wilmington, Delaware, a de novo federal savings bank, and thereby operate a savings association.					-Approved, June 29, 2006 					Director, BS&ROrient Bancorporation, San Francisco, California  -- to acquire Orient First Capital Corporation, Bellevue, Washington, and Orient First Capital Limited, Hong Kong S.A.R., Peoples Republic of China.					-Approved, June 26, 2006 					AtlantaRockBridge Financial Holdings, Inc., Atlanta, Georgia  -- to become a bank holding company and to acquire RockBridge Commercial Bank, a de novo bank.					-Approved, June 27, 2006 					PhiladelphiaRoyal Bancshares of Pennsylvania, Inc., Narberth, Pennsylvania  -- to acquire Royal Asian Bank, a proposed de novo bank to be formed through the acquisition of assets and assumption of liabilities of certain offices of Royal Bank America.					-Approved, June 29, 2006 					ClevelandSir Barton Bancorp, Inc., Lexington, Kentucky  -- to become a bank holding company and to acquire First National Bank of Lexington.					-Approved, June 26, 2006 					San FranciscoVineyard National Bancorp, Corona, California  -- waiver of application to acquire Rancho Bank, San Dimas, and to merge it with Vineyard Bank, National Association, Corona.					-Granted, June 30, 2006 					ChicagoWauwatosa Holdings, Inc., Wauwatosa, Wisconsin, and Lamplighter Financial, MHC  -- to continue to engage in extending credit and servicing loans.					-Approved, June 27, 2006 					

Change In Bank ControlMinneapolisCommunity Bank Group, Inc., Eden Prairie, Minnesota  -- change in bank control.					-Permitted, June 27, 2006 					ClevelandCommunity First Financial Bancorp, Inc., New Holland, Ohio  -- change in bank control.					-Permitted, June 29, 2006 					AtlantaSouthern National Corporation, Andalusia, Alabama  -- notices to retain control of Southern National Corporation.					-Permitted, June 26, 2006 					

Competitive Factors ReportsNew YorkCommunity Bank, National Association, Canton, New York  -- report on competitive factors of the proposed merger with Elmira Savings and Loan, F.A., Elmira.					-Submitted, June 29, 2006 					ChicagoCommunity State Bank, Galva, Illinois  -- report on competitive factors of the proposed acquisition of the Galva branch of Citizens National Bank, Macomb.					-Submitted, June 30, 2006 					San FranciscoFirst Republic Bank, Las Vegas, Nevada   -- report on competitive factors of the proposed merger with Bank of Walnut Creek, Walnut Creek, California.					-Submitted, June 28, 2006 					MinneapolisFirst Western Bank, Wall, South Dakota  -- report on competitive factors of the proposed merger with First Western Bank Custer, Custer.					-Submitted, June 30, 2006 					MinneapolisHomeTown Bank, Redwood Falls, Minnesota  -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the St. Peter, Henderson, Le Sueur, and Cleveland branches of Community Bank Minnesota Valley, Wayzata.					-Submitted, June 27, 2006 					AtlantaPiedmont Community Bank, Gray, Georgia  -- report on competitive factors of the proposed merger with PCB Interim Corporation.					-Submitted, June 26, 2006 					ChicagoState Bank of Lincoln, Lincoln, Illinois  -- report on competitive factors of the proposed acquisition of the Lincoln branch of Central Illinois Bank, Champaign.					-Submitted, June 30, 2006 					DallasTexas Country Bank, Lakeway, Texas  -- report on competitive factors of the proposed merger with Clayton Mortgage Corp., Austin.					-Submitted, June 30, 2006 					ChicagoTown Bank, Delafield, Wisconsin  -- report on competitive factors of the proposed merger with its subsidiary, Town Investment Corp., Henderson, Nevada.					-Submitted, June 30, 2006 					

Extensions Of TimeRichmondFarmers & Merchants Bank, Timberville, Virginia  -- extension to January 6, 2007, to establish a branch at the intersection of Routes 33 and 276, Penn Laird.					-Granted, June 26, 2006 					ChicagoPort Byron State Bank, Port Byron, Illinois  -- extension to September 28, 2006, to establish a branch at 301 West 1st Avenue, Coal Valley, and to make an additional investment in bank premises.					-Granted, June 29, 2006 					RichmondSuffolkFirst Bank, Suffolk, Virginia  -- extension to February 25, 2007, to establish a branch at Hill Shopping Center, Bennet's Creek Crossing.					-Granted, June 27, 2006 					

Financial Holding CompaniesKansas CityFirst National Bancshares of Weatherford, Inc., Weatherford, Oklahoma  -- election to become a financial holding company.					-Effective, June 28, 2006 					

MembershipSt. LouisCommunity Bank, Cabot, Arkansas  -- to become a member of the Federal Reserve System and to retain as financial subsidiaries Grand Prairie Title Company, Inc.; Community Title Services, Inc.; Lonoke Abstract Corporation, Lonoke; Community Insurance Agency, Inc., Jacksonville; and First State Insurance Agency, Inc., Conway.					-Approved, June 27, 2006 					

Regulations And PoliciesFOMCShort-term Interest Rates  -- increase in the target for the federal funds rate from 5 percent to 5-1/4 percent.					-Approved, June 29, 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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