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

#   Actions under delegated authority

## Actions taken during the week ending August 12, 2006

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Bank Branches, DomesticChicago1st Source Bank, South Bend, Indiana  -- to establish a branch at 555 West Crosstown Parkway, Kalamazoo, Michigan.					-Approved, August 7, 2006 					Atlanta1st United Bank, Boca Raton, Florida  -- to establish a branch at 1700 Palm Beach Lakes Boulevard, West Palm Beach.					-Approved, August 10, 2006 					ChicagoBank Iowa, Denison, Iowa  -- to establish a branch at 17 Main Street, Charter Oak.					-Approved, August 11, 2006 					RichmondBenchmark Community Bank, Kenbridge, Virginia  -- to establish a branch at 1320 Seymour Drive, South Boston.					-Approved, August 9, 2006 					New YorkCommunity Bank of Bergen County, N.J., Maywood, New Jersey  -- to establish a branch at 519 River Drive, Garfield.					-Approved, August 7, 2006 					AtlantaCompass Bank, Birmingham, Alabama  -- to establish branches at 6900 Virginia Parkway, McKinney, Texas, and at the intersection of South Gilbert Road and West Warner Road, Gilbert, Arizona.					-Approved, August 10, 2006 					AtlantaCompass Bank, Birmingham, Alabama  -- to establish a branch at a kiosk at Sharpstown Mall, 7500 Bellarie Boulevard, Houston, Texas.					-Approved, August 11, 2006 					San FranciscoCounty Bank, Merced, California  -- to establish a branch at 505 North Clovis Avenue, Fresno.					-Approved, August 8, 2006 					ClevelandFifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 1800 North Neltnor Boulevard, West Chicago, Illinois.					-Approved, August 11, 2006 					ClevelandFifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 1590 Lake Cood Road, Wheeling, Illinois.					-Approved, August 11, 2006 					AtlantaRegions Bank, Birmingham, Alabama  -- to establish a branch at 2205 North Elm Street, Greensboro, North Carolina.					-Approved, August 10, 2006 					RichmondWaccamaw Bank, Whiteville, North Carolina  -- to establish a temporary branch at 925-5 Seaside Road Southwest, Ocean Isle Beach.					-Approved, August 9, 2006 					

Bank Holding CompaniesSt. LouisCross County Bancshares, Inc., Wynne, Arkansas  -- to acquire 6.6 percent of the shares of Pinnacle Bancshares, Inc., Bentonville, and thereby acquire Pinnacle Bank.					-Approved, August 10, 2006 					St. LouisEvergreen Bancshares, Inc., St. Louis, Missouri  -- to become a bank holding company and to merge with Bancorp IV, Inc., Stilwell, Kansas, and thereby acquire Bank of Montgomery County, Wellsville, Missouri.					-Approved, August 10, 2006 					RichmondFirst Capital Bancorp, Inc., Glen Allen, Virginia  -- to become a bank holding company and to acquire First Capital Bank.					-Approved, August 9, 2006 					MinneapolisGlacier Bancorp, Inc., Kalispell, Montana  -- to acquire First National Bank of Morgan, Morgan, Utah, through merger with New First National Bank of Morgan, an interim bank.					-Approved, August 9, 2006 					St. LouisLonoke Bancshares, Inc., Lonoke, Arkansas  -- to acquire 6.6 percent of the shares of Pinnacle Bancshares, Inc., Bentonville, and thereby acquire Pinnacle Bank.					-Approved, August 10, 2006 					MinneapolisRichey Bancorporation, Inc., Glendive, Montana  -- to increase its ownership interest in Community First Bancorp, Inc. and thereby acquire Community First Bank.					-Approved, August 10, 2006 					ClevelandRurban Financial Corp., Defiance, Ohio, and Rurbanc Data Services, Inc.  -- to acquire Diverse Computer Marketers, Inc., Lansing, Michigan, and DCM Indiana, Inc., Plainfield, Indiana.					-Approved, August 10, 2006 					SecretaryTransAtlantic Holding Corp., Miami, Florida  -- to become a bank holding company and to acquire TransAtlantic Bank.					-Approved, August 8, 2006 					MinneapolisU.S. Bancorp, Minneapolis, Minnesota  -- to acquire Vail Banks, Inc., Avon, Colorado, and thereby acquire WestStar Bank, Vail.					-Approved, August 7, 2006 					MinneapolisU.S. Bancorp, Minneapolis, Minnesota; USB Holdings, Inc., and U.S. Bank National Association, Cincinnati, Ohio  -- waiver of application to acquire interim national trust bank subsidiaries of U.S. Bank established to facilitate the acquisition of the corporate trust business from Wachovia Corporation, Charlotte, North Carolina, and simultaneously merge them with Wachovia's institutions in Alabama, Delaware, North Carolina, South Carolina, Tennessee, and Virginia; and for U.S. Bank Trust National Association, Wilmington, Delaware, to merge with U.S. Bank Trust Interim National Association, Delaware.					-Granted, August 7, 2006 					SecretaryWachovia Corporation, Charlotte, North Carolina  -- commenters' requests to extend the comment period on the application to acquire Golden West Financial Corporation, Oakland, California, and thereby acquire World Savings Bank, F.S.B., and World Savings Bank, FSB (Texas), Houston, Texas.					-Denied, August 10, 2006 					

Change In Bank ControlSan FranciscoGold Country Financial Services, Inc., Marysville, California  -- change in bank control.					-Permitted, August 11, 2006 					

Competitive Factors ReportsKansas CityAmerican Bank of Oklahoma, Collinsville, Oklahoma  -- report on competitive factors of the proposed merger with Territory Bank, Muskogee.					-Submitted, August 10, 2006 					SecretaryCadence Bank, N.A., Starkville, Mississippi  -- report on competitive factors of the proposed merger with Seasons Bank, Blairsville, Georgia.					-Submitted, August 8, 2006 					San FranciscoFirst Mountain Bank, Big Bear Lake, California  -- report on competitive factors of the proposed merger with FMB Merger Company.					-Submitted, August 7, 2006 					New YorkNew York Commercial Bank, Islandia, New York  -- report on competitive factors of the proposed merger with New York Municipal Bank, Flushing.					-Submitted, August 10, 2006 					Kansas CityRegional Missouri Bank, Marceline, Missouri  -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the Keytesville branch of Citizens Bank and Trust Company, Chillicothe.					-Submitted, August 10, 2006 					SecretaryRepublic Interim Bank, FSB, Louisville, Kentucky  -- report on competitive factors of the proposed merger with GulfStream Community Bank, Port Richey, Florida.					-Submitted, August 8, 2006 					DallasSterling Bank, Houston, Texas  -- report on competitive factors of the proposed merger with Bank of the Hills, National Association, Kerrville.					-Submitted, August 9, 2006 					MinneapolisU.S. Bank National Association, Cincinnati, Ohio  -- report on competitive factors of the proposed mergers of interim national trust bank subsidiaries of U.S. Bank National Association with trust subsidiaries of Wachovia Corporation, Charlotte, North Carolina, to facilitate the acquisition of the corporate trust business from Wachovia in Alabama, Delaware, North Carolina, South Carolina, Tennessee, and Virginia; and the proposed merger of U.S. Bank Trust Interim National Association, Delaware, Wilmington, Delaware, with U.S. Bank Trust National Association.					-Submitted, August 8, 2006 					MinneapolisU.S. Bank National Association, Cincinnati, Ohio  -- report on competitive factors of the proposed mergers of interim national bank subsidiaries of U.S. Bank National Association with the bank to facilitate the acquisition of the corporate trust business from Wachovia Corporation, Charlotte, North Carolina, and the proposed merger of Wachovia Trust Company of Delaware, National Association, Wilmington, Delaware, with U.S. Bank Trust National Association.					-Submitted, August 8, 2006 					MinneapolisU.S. Bank National Association, Cincinnati, Ohio  -- report on competitive factors of the proposed merger with WestStar Bank, Vail, Colorado.					-Submitted, August 7, 2006 					

Financial Holding CompaniesMinneapolisBarron Investment Company, Inc., Golden Valley, Minnesota  -- election to become a financial holding company.					-Effective, August 11, 2006 					New YorkLandesbank Baden-Wuerttemberg, Stuttgart, Germany  -- election to be treated as a financial holding company.					-Effective, August 7, 2006 					Director, BS&RSparkassenverband Baden-Wurttemberg, Stuttgart, Germany, and Landesbank Baden-Wurttemberg  -- elections to be treated as financial holding companies.					-Effective, August 7, 2006 					

International OperationsDirector, BS&RCapital One Bank, Glen Allen, Virginia  -- waiver of remainder of notification period to invest in Capital One Bank (Europe) plc, London, England.					-Granted, August 7, 2006 					

MembershipSt. LouisFarmers Bank & Capital Trust Company, Frankfort, Kentucky  -- to become a member of the Federal Reserve System.					-Approved, August 10, 2006 					

Regulations And PoliciesDirector, C&CARegulation Z (Truth in Lending)  -- annual adjustment of the dollar amount that triggers additional disclosure requirements for home mortgage loans with rates or fees above a certain amount (Docket No. R-1263).					-Approved, August 9, 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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