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#   Actions under delegated authority

## Actions taken during the week ending October 29, 2005

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Bank Branches, DomesticRichmondCommerceFirst Bank, Annapolis, Maryland  -- to establish a branch at 910 Cromwell Park Drive, Glen Burnie.					-Approved, October 27, 2005 					San FranciscoFrontier Bank, Everett, Washington  -- to establish a branch at 3670 Bridgeport Way West, University Place.					-Approved, October 24, 2005 					St. LouisPulaski Bank and Trust Company, Little Rock, Arkansas  -- to establish a branch at 7465 Poplar Avenue, Germantown, Tennessee.					-Approved, October 28, 2005 					AtlantaRegions Bank, Birmingham, Alabama  -- to establish a branch at 2131 Ayrsley Town Boulevard, Charlotte, North Carolina.					-Approved, October 25, 2005 					ChicagoTown Bank, Delafield, Wisconsin  -- to establish a branch at 12960 West Bluemound Road, Elm Grove.					-Approved, October 28, 2005 					

Bank Holding CompaniesMinneapolisAbdo Investments, Inc., Edina, Minnesota  -- to become a bank holding company and to acquire up to 24.24 percent of the shares of Rivers Ridge Holding Company, parent of Bank Vista, Sartell.					-Approved, October 24, 2005 					ChicagoCCB Acquisition Corp, Oak Brook, Illinois  -- to become a bank holding company and to acquire Citizens Central Bancorp, Inc., Macomb, and thereby acquire Citizens National Bank.					-Approved, October 27, 2005 					ChicagoIntegrity First Bancorporation, Inc., Wausau, Wisconsin  -- to become a bank holding company and to acquire Integrity First Bank, a de novo bank.					-Approved, October 27, 2005 					General CounselThe PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania  -- request for an exemption under the Depository Institutions Management Interlocks Act and Regulation L.					-Granted, October 24, 2005 					

Bank PremisesClevelandThe Genoa Banking Company, Genoa, Ohio  -- request to exceed the limit of investment in bank premises.					-Approved, October 26, 2005 					St. LouisPulaski Bank and Trust Company, Little Rock, Arkansas  -- to make an additional investment in bank premises.					-Approved, October 28, 2005 					

Banks, ForeignDirector, BS&RDeutsche Genossenschafts-Hypothekenbank AG, Hamburg, Germany  -- to establish a representative office in New York, New York.					-Approved, October 25, 2005 					

Change In Bank ControlAtlantaFCB Bancshares, Inc., Cullman, Alabama  -- change in bank control.					-Permitted, October 25, 2005 					

Competitive Factors ReportsPhiladelphiaAffinity Bank of Pennsylvania, Wyomissing, Pennsylvania  -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of the Reading branch of Susquehanna Patriot Bank, Marlton, New Jersey.					-Submitted, October 28, 2005 					AtlantaBank of North Georgia, Alpharetta, Georgia  -- report on competitive factors of the proposed merger with Riverside Bank, Marietta.					-Submitted, October 25, 2005 					New YorkBCPBank, National Association, Newark, New Jersey  -- reports on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the New York branch of Banco Comercial Portugues S.A., Oporto, Portugal.					-Submitted, October 27, 2005 					St. LouisThe Central Bank USA, Inc., Greensburg, Kentucky  -- report on competitive factors of the proposed merger with Ascencia Bank, Inc., Louisville; Brownsville Deposit Bank, Brownsville; and Bullitt County Bank, Shepherdsville.					-Submitted, October 24, 2005 					ChicagoCommunity Bank, Muscatine, Iowa  -- report on competitive factors of the proposed merger with Wilton Savings Bank, Wilton.					-Submitted, October 24, 2005 					DallasCommunity Trust Bank, Choudrant, Louisiana  -- report on competitive factors of the proposed merger with First United Bank, Farmerville.					-Submitted, October 24, 2005 					PhiladelphiaFirst Citizens National Bank, Mansfield, Pennsylvania  -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the Hannibal, New York, branch of Fulton Savings Bank, Fulton.					-Submitted, October 25, 2005 					Kansas CityFirst United Bank and Trust Company, Durant, Oklahoma  -- report on competitive factors of the proposed merger with Southwestern Bancshares, Inc., Oklahoma City, and Southwestern Bank.					-Submitted, October 25, 2005 					New YorkHudson Valley Holding Corp., Yonkers, New York  -- report on competitive factors of the proposed acquisition of New York National Bank, Bronx.					-Withdrawn, October 25, 2005 					ChicagoMidWestOne Bank & Trust, Oskaloosa, Iowa  -- report on competitive factors of the proposed merger with MidWestOne Bank, Burlington; Central Valley Bank, Ottumwa; and Pella State Bank, Pella.					-Submitted, October 24, 2005 					ChicagoMilwaukee Western Bank, Milwaukee, Wisconsin  -- report on competitive factors of the proposed merger with its investment subsidiary, MWB Investment Corporation.					-Submitted, October 24, 2005 					ChicagoMorton Community Bank, Morton, Illinois  -- report on competitive factors of the proposed merger with Pekin Savings Bank, Pekin.					-Submitted, October 24, 2005 					ChicagoPullman Bank and Trust Company, Chicago, Illinois  -- report on competitive factors of the proposed conversion to a national bank, to be called Park National Bank; and the proposed merger with First Bank of Oak Park, Oak Park; Regency Savings Bank, FSB, Naperville; Cosmopolitan Bank and Trust, Chicago; and Park National Bank and Trust Company of Chicago.					-Submitted, October 24, 2005 					AtlantaWest Alabama Bank & Trust, Reform, Alabama  -- report on competitive factors of the proposed merger with Merchants & Farmers Bank, Millport.					-Submitted, October 27, 2005 					

Extensions Of TimeAtlantaBank Independent, Sheffield, Alabama  -- extension to October 20, 2006, to establish a branch at the intersection of Highway 72 and Lindsay Lane, Athens.					-Granted, October 25, 2005 					AtlantaFirstFed Bancorp, Inc. Employee Stock Ownership Plan, Bessemer, Alabama  -- extension to February 23, 2006, to become a bank holding company and to acquire 32 percent of the shares of FirstFed Bancorp, Inc., and its subsidiary, First Financial Bank.					-Granted, October 26, 2005 					SecretaryNew York Community Bancorp, Inc., Westbury, New York  -- commenter's request to extend the comment period on the application to acquire Long Island Financial Corp., Islandia.					-Denied, October 28, 2005 					SecretaryThe Toronto-Dominion Bank, Toronto, Canada, and TD Banknorth, Inc., Portland, Maine  -- commenter's request to extend the comment period on the application to acquire Hudson United Bancorp, Inc., Mahwah, New Jersey.					-Denied, October 27, 2005 					RichmondVirginia Commerce Bank, Arlington, Virginia  -- extension to April 28, 2006, to establish a branch at 9161 Liberia Avenue, Manassas.					-Granted, October 27, 2005 					

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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