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#   Actions under delegated authority

## Actions taken during the week ending July 29, 2006

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Bank Branches, DomesticChicago1st Source Bank, South Bend, Indiana  -- to establish a branch at 450 State Road 23, Granger.					-Approved, July 24, 2006 					Kansas CityAmeristate Bank, Atoka, Oklahoma  -- to establish a branch at 4322 Loy Lake Road, Sherman, Texas, and to increase its investment in bank premises.					-Approved, July 24, 2006 					AtlantaAmSouth Bank, Birmingham, Alabama  -- to establish branches at 1310 Lakeside Village Circle, Lakeland, Florida; and at the intersection of Park Boulevard and 74th Street, Pinellas Park.					-Approved, July 28, 2006 					AtlantaBankEast, Knoxville, Tennessee  -- to establish branches at 5248 North Broadway, and at 826 East Lamar Alexander Parkway, Maryville.					-Approved, July 27, 2006 					Kansas CityCitizens Security Bank & Trust Company, Bixby, Oklahoma  -- to establish a branch at 10051 South Yale Avenue, Suite 203, Tulsa, and to increase its investment in bank premises.					-Approved, July 24, 2006 					SecretaryEast West Bank, Pasadena, California  -- to establish a branch at 135 North Los Robles Avenue.					-Approved, July 26, 2006 					SecretaryFirsTier Bank, Wyoming, Upton, Wyoming  -- to establish a branch at 612 Pine Street.					-Approved, July 25, 2006 					ChicagoM&I Marshall & Ilsley Bank, Milwaukee, Wisconsin  -- to establish a branch at Yuma and Watson Roads, Buckeye, Arizona.					-Approved, July 27, 2006 					DallasPeoples Bank, Lubbock, Texas  -- to establish a courier service branch from its main office at 5820 82nd Street to conduct business in Lubbock County.					-Approved, July 26, 2006 					RichmondPlanters Bank & Trust Company of Virginia, Staunton, Virginia  -- to establish a branch at 1391 South High Street, Harrisonburg.					-Approved, July 24, 2006 					RichmondRBC Centura Bank, Rocky Mount, North Carolina  -- to establish a branch at 4499 Weston Road, Weston, Florida.					-Approved, July 27, 2006 					RichmondRBC Centura Bank, Rocky Mount, North Carolina  -- to establish a branch at 650 South Alafaya Trail, Orlando, Florida.					-Approved, July 27, 2006 					RichmondRBC Centura Bank, Rocky Mount, North Carolina  -- to establish a branch at 4309 West Lake Mary Boulevard, Lake Mary, Florida.					-Approved, July 27, 2006 					RichmondRBC Centura Bank, Rocky Mount, North Carolina  -- to establish a branch at 1021 Ewall Street, Mt. Pleasant, South Carolina.					-Approved, July 27, 2006 					RichmondRBC Centura Bank, Rocky Mount, North Carolina  -- to establish a branch at 1758 Jones Bridge Road, Alpharetta, Georgia.					-Approved, July 27, 2006 					RichmondSecond Bank & Trust, Culpeper, Virginia  -- to establish a branch at 1924 Arlington Boulevard, Charlottesville.					-Approved, July 24, 2006 					SecretarySunTrust Bank, Atlanta, Georgia  -- to establish a branch at 601 Signal Mountain Road, Chattanooga, Tennessee.					-Approved, July 28, 2006 					RichmondVirginia Heritage Bank, Fairfax, Virginia  -- to establish a branch at 7905 Heritage Village Plaza, Gainesville.					-Approved, July 27, 2006 					RichmondWaccamaw Bank, Whiteville, North Carolina  -- to establish a branch at 923 Seaside Road Southwest, Ocean Isle Beach.					-Approved, July 26, 2006 					

Bank Holding CompaniesSecretaryThe Adirondack Trust Company Employee Stock Ownership Trust, Saratoga Springs, New York  -- to acquire 50 additional shares of 473 Broadway Holding Corporation and 1,000 additional shares of The Adirondack Trust Company.					-Approved, July 28, 2006 					SecretaryAlabama National BanCorporation, Birmingham, Alabama  -- to acquire The PB Financial Services Corporation, Duluth, Georgia, and its subsidiary, The Peachtree Bank.					-Approved, July 24, 2006 					SecretaryCadence Financial Corporation, Starkville, Mississippi  -- waiver of application to acquire Seasons Bancshares, Inc., Blairsville, Georgia, and Seasons Bank; and for Seasons Bank to merge with Cadence Financial Corporation's subsidiary, Cadence Bank, N.A., Starkville.					-Granted, July 27, 2006 					AtlantaCenterBank, Inc., Jacksonville, Florida  -- relief from a commitment.					-Granted, July 28, 2006 					PhiladelphiaConestoga Bancorp, Inc., King of Prussia, Pennsylvania,   -- to become a bank holding company and to acquire Conestoga Bank, a de novo bank.					-Approved, July 27, 2006 					RichmondEagle Bancorp, Inc., Bethesda, Maryland  -- to engage de novo in making loans secured by real estate.					-Approved, July 26, 2006 					SecretaryFarmers & Merchants Financial Corporation, Ashland, Nebraska  -- to become a bank holding company and to acquire The Farmers & Merchants National Bank of Ashland.					-Approved, July 28, 2006 					AtlantaThe First Bancshares, Inc., Hattiesburg, Mississippi  -- waiver of application in connection with the acquisition of First National Bank of Wiggins, Wiggins.					-Withdrawn, July 27, 2006 					ClevelandFirst Commonwealth Financial Corporation, Indiana, Pennsylvania  -- waiver of application in connection with the acquisition of Laurel Capital Group, Inc., Allison, and its subsidiary, Laurel Savings Bank.					-Granted, July 27, 2006 					SecretaryHatton Bancshares, Inc., Fargo, North Dakota  -- to become a bank holding company and to acquire Farmers & Merchants National Bank of Hatton, Hatton.					-Approved, July 24, 2006 					AtlantaHometown Bancorp of Alabama, Inc., Oneonta, Alabama  -- to become a bank holding company and to acquire The HomeTown Bank of Alabama.					-Approved, July 28, 2006 					ChicagoOhnward Bancshares, Inc., Maquoketa, Iowa  -- to acquire United Security Financial Corporation, Cedar Rapids, and thereby acquire United Security Savings Bank and operate a savings association.					-Approved, July 28, 2006 					AtlantaPCNB Corp, McComb, Mississippi  -- to become a bank holding company and to acquire Pike County National Bank.					-Approved, July 24, 2006 					Kansas CityUMB Financial Corporation, Kansas City, Missouri  -- waiver of application in connection with the merger of UMB Bank Colorado, N.A., Denver, Colorado, with Mountain States Bank.					-Granted, July 27, 2006 					

Bank MergersChicagoFirst Farmers Bank & Trust, Converse, Indiana  -- to purchase certain assets and assume certain liabilities of the Culver, Knox, and North Judson, Indiana, branches of Fifth Third Bank, Grand Rapids, Michigan, and thereby establish branches.					-Approved, July 27, 2006 					

Change In Bank ControlSan FranciscoValley Commerce Bancorp, Visalia, California  -- change in bank control.					-Withdrawn, July 24, 2006 					

Competitive Factors ReportsKansas CityAmFirst Bank, National Association, McCook, Nebraska  -- report on competitive factors of the proposed merger with State Bank, Benkelman.					-Submitted, July 24, 2006 					St. LouisThe Bank of Marion, Marion, Illinois  -- report on competitive factors of the proposed merger with C.P. Burnett & Sons, Bankers, Eldorado.					-Submitted, July 25, 2006 					RichmondBranch Banking and Trust Company, Winston-Salem, North Carolina  -- report on competitive factors of the proposed merger with The Bank/First Citizens Bank, Cleveland, Tennessee.					-Submitted, July 24, 2006 					RichmondBranch Banking and Trust Company, Winston-Salem, North Carolina  -- report on competitive factors of the proposed merger with The Home Bank, Ducktown, Tennessee.					-Submitted, July 24, 2006 					RichmondBranch Banking and Trust Company, Winston-Salem, North Carolina  -- report on competitive factors of the proposed merger with The Home Bank of Tennessee, Maryville, Tennessee.					-Submitted, July 24, 2006 					New YorkCitibank, N.A., New York, New York  -- report on competitive factors of the proposed merger with Citicorp Trust, National Association, Los Angeles, California.					-Submitted, July 28, 2006 					St. LouisFirst Federal Savings Bank, Evansville, Indiana  -- report on competitive factors of the proposed merger with Home Building Savings Bank, F.S.B., Washington.					-Submitted, July 28, 2006 					SecretaryThe First, A National Banking Association, Hattiesburg, Mississippi  -- report on competitive factors of the proposed acquisition of First National Bank of Wiggins, Wiggins.					-Submitted, July 26, 2006 					ChicagoMorton Community Bank, Morton, Illinois  -- report on competitive factors of the proposed merger with Peoples State Bank, Manito.					-Submitted, July 24, 2006 					ChicagoNorth Shore Bank, F.S.B., Brookfield, Wisconsin  -- report on competitive factors of the proposed merger with Prime Financial Credit Union, Cudahy.					-Submitted, July 24, 2006 					ClevelandThe Park National Bank, Newark, Ohio  -- report on competitive factors of the proposed merger with The Park National Bank of Kentucky, Florence, Kentucky, in organization.					-Submitted, July 27, 2006 					ClevelandSmithfield State Bank of Smithfield, Pennsylvania, Smithfield, Pennsylvania  -- report on competitive factors of the proposed merger with Centra Bank-Smithfield.					-Submitted, July 27, 2006 					AtlantaSuperior Bank, Birmingham, Alabama  -- report on competitive factors of the proposed merger with Community Bank, Blountsville.					-Submitted, July 26, 2006 					San FranciscoWescom Credit Union, Pasadena, California  -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of the San Diego branch of Pacific Capital Bank, National Association, Santa Barbara.					-Submitted, July 24, 2006 					

Extensions Of TimePhiladelphiaBerkshire Bancorp, Inc., Wyomissing, Pennsylvania  -- extension to October 1, 2006, to become a bank holding company and to acquire Berkshire Bank.					-Granted, July 26, 2006 					Kansas CityThe Farmers State Bank of Fort Morgan Colorado Employe Stock Ownership Plan, Fort Morgan, Colorado  -- extension to November 17, 2006, to acquire up to 38 percent of the shares of F.S.B. Bancorporation of Fort Morgan, Colorado, parent of Farmers State Bank of Fort Morgan.					-Granted, July 25, 2006 					

MembershipBostonInvestors Bank & Trust Company, Boston, Massachusetts  -- to become a member of the Federal Reserve System.					-Approved, July 27, 2006 					

Regulations And PoliciesFOMCFederal Open Market Committee  -- minutes of the meeting on June 28-29, 2006.					-Published, July 20, 2006 					(AC)

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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