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#   Actions under delegated authority

## Actions taken during the week ending May 13, 2006

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Bank Branches, DomesticAtlantaAmSouth Bank, Birmingham, Alabama  -- to establish a branch at 8225 Champions Gate Boulevard, Champions Gate, Florida.					-Approved, May 9, 2006 					ClevelandThe Andover Bank, Andover, Ohio  -- to establish a branch at 451/455 South High Street, Cortland; and request to exceed the limit of investment in bank premises.					-Approved, May 10, 2006 					RichmondCitizens Bank and Trust Company, Blackstone, Virginia  -- to establish a branch at 622 East Atlantic Street, South Hill.					-Approved, May 9, 2006 					SecretaryComerica Bank, Detroit, Michigan  -- to establish a branch at 110 South El Camino Real, Encinitas, California.					-Approved, May 4, 2006 					(AC)San FranciscoFarmers and Merchants Bank of Long Beach, Long Beach, California  -- to establish branches at 501 North El Camino Real, Suite 100, San Clemente, and 2891 Park Avenue, Tustin, and to increase its investment in bank premises.					-Approved, May 11, 2006 					ClevelandFifth Third Bank, Cincinnati, Ohio  -- to establish a branch at Highland Hills Golf Club, 7455 Erie Street, Sylvania.					-Approved, May 8, 2006 					ClevelandFifth Third Bank, Cincinnati, Ohio  -- to establish a branch at 4020 Indian Road, Toledo.					-Approved, May 8, 2006 					Kansas CityFirst Option Bank, Osawatomie, Kansas  -- to retain branches at 502 Market Street, La Cygne, and 103 South Broadway, Louisburg.					-Approved, May 11, 2006 					New YorkManufacturers and Traders Trust Company, Buffalo, New York  -- to establish a branch at 117 South 18th Street, Philadelphia, Pennsylvania.					-Approved, May 9, 2006 					RichmondPlanters Bank & Trust Company of Virginia, Staunton, Virginia  -- to establish a branch at 2102 Langhorne Road, Lynchburg.					-Approved, May 11, 2006 					DallasPointBank, Pilot Point, Texas  -- to establish a branch at 1720 Westminster Street, Denton.					-Approved, May 11, 2006 					ClevelandPortage Community Bank, Ravenna, Ohio  -- to establish a branch at 1532 South Water Street, Kent.					-Approved, May 11, 2006 					SecretarySunTrust Bank, Atlanta, Georgia  -- to establish a branch at 800 43rd Avenue Southwest, Vero Beach, Florida.					-Approved, May 10, 2006 					RichmondSusquehanna Bank, Hagerstown, Maryland  -- to establish a branch at 1525 Rock Spring Road, Forest Hill.					-Approved, May 10, 2006 					

Bank Holding CompaniesMinneapolisCornerstone Holding Company, Inc., Fargo, North Dakota  -- to become a bank holding company and to acquire Citizens, Incorporated, Enderlin, and thereby acquire Citizens State Bank.					-Approved, May 12, 2006 					PhiladelphiaBoardwalk Bancorp, Inc., Linwood, New Jersey  -- to become a bank holding company and to acquire Boardwalk Bank.					-Approved, May 12, 2006 					ChicagoCapitol Bancorp Ltd., Lansing, Michigan, and Capitol Development Bancorp Limited IV  -- to acquire 51 percent of the shares of Sunrise Bank of Atlanta, Atlanta, Georgia, a de novo bank.					-Approved, May 12, 2006 					ChicagoCapitol Bancorp, Ltd., Lansing, Michigan, and Capitol Development Bancorp Limited IV  -- to acquire 51 percent of the shares of Evansville Commerce Bank, Evansville, Indiana, a de novo bank.					-Approved, May 12, 2006 					St. LouisCBT Bancorp, Inc., Trenton, Illinois  -- to become a bank holding company and to acquire Community Bank of Trenton.					-Approved, May 8, 2006 					AtlantaCitizens B & T Holdings, Inc., Guntersville, Alabama  -- to become a bank holding company and to acquire Citizens Bank & Trust.					-Approved, May 10, 2006 					DallasCSAB Holdings, LLC, Dallas, Texas  -- to acquire Parkway National Bancshares, Inc., Plano, and indirectly acquire Parkway National Bancshares of Delaware, Inc., Wilmington, Delaware, and Parkway Bank, National Association, Plano, Texas; for WCM Holdings, Inc., Dallas, and WCM-Parkway, Ltd. to become bank holding companies and to acquire CSAB Holdings, LLC, and indirectly acquire Parkway National Bancshares, Inc., Plano; Parkway National Bancshares of Delaware, Inc., Wilmington, Delaware; and Parkway Bank, National Association, Plano, Texas.					-Approved, May 10, 2006 					Kansas CityDocking Bancshares, Inc., Arkansas City, Kansas  -- to acquire City National Bancshares, Inc., Guymon, Oklahoma, and The City National Bank and Trust Company of Guymon.					-Approved, May 11, 2006 					Kansas CityFirst Pryor Bancorp, Inc., Pryor, Oklahoma  -- to acquire 14.29 percent of the shares of Carson River Community Bank, Minden, Nevada, a de novo bank.					-Withdrawn, May 9, 2006 					AtlantaGreat Financial Corporation, Miami Lakes, Florida  -- to become a bank holding company and to acquire Great Florida Bank, Miami.					-Withdrawn, May 9, 2006 					San FranciscoHome Valley Bancorp, Grants Pass, Oregon  -- termination of a commitment.					-Granted, May 12, 2006 					Kansas CityQuay Bank Corp., Albuquerque, New Mexico  -- to become a bank holding company and to acquire High Desert State Bank.					-Withdrawn, May 12, 2006 					San FranciscoRiverBank Holding Company, Spokane, Washington  -- to become a bank holding company and to acquire RiverBank, a de novo bank.					-Withdrawn, May 8, 2006 					ClevelandS & T Bancorp, Inc., Indiana, Pennsylvania  -- to acquire up to 9.9 percent of the shares of IBT Bancorp, Inc., Irwin, and thereby acquire Irwin Bank & Trust Company.					-Approved, May 8, 2006 					

Bank MergersSan FranciscoNorth Valley Bank, Redding, California  -- to merge with NVB Business Bank, Woodland.					-Approved, May 10, 2006 					ChicagoSouthwest Bank of St. Louis, St. Louis, Missouri  -- to merge with Missouri State Bank and Trust Company, Clayton, and thereby establish branches at the existing locations.					-Approved, May 12, 2006 					

Bank PremisesRichmondCitizens Bank and Trust Company, Blackstone, Virginia  -- to increase its investment in bank premises.					-Approved, May 9, 2006 					

Change In Bank ControlSt. LouisColumbia Bancshares, Inc., Columbia, Illinois  -- change in bank control.					-Permitted, May 10, 2006 					St. LouisFirst National Bancshares of Hempstead County, Hope, Arkansas  -- change in bank control.					-Permitted, May 11, 2006 					

Competitive Factors ReportsMinneapolisAnchor Bank Saint Paul, Saint Paul, Minnesota  -- report on competitive factors of the proposed merger with Anchor Bank, West St Paul, National Association, West Saint Paul.					-Submitted, May 9, 2006 					PhiladelphiaBerkshire Bank, Wyomissing, Pennsylvania  -- report on competitive factors of the proposed merger with Berkshire Interim Bank.					-Submitted, May 12, 2006 					Kansas CityCommerce Bank, National Association, Kansas City, Missouri  -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of Boone National Savings and Loan, F.A., Columbia.					-Submitted, May 9, 2006 					St. LouisFirst State Community Bank, Farmington, Missouri  -- report on competitive factors of the proposed purchase of assets and assumption of deposit liabilities of the Bonne Terre branch of Unico Bank, Irondale.					-Submitted, May 11, 2006 					St. LouisFirst Tennessee Bank National Association Memphis, Memphis, Tennessee  -- report on competitive factors of the proposed merger with The State Bank, Rocky Ford, Colorado.					-Submitted, May 9, 2006 					SecretaryThe Frost National Bank, San Antonio, Texas  -- report on competitive factors of the proposed merger with Alamo Bank of Texas, Alamo.					-Submitted, May 11, 2006 					RichmondMercantile-Safe Deposit and Trust Company, Baltimore, Maryland  -- report on competitive factors of the proposed merger with James Monroe Bank, Arlington, Virginia.					-Submitted, May 10, 2006 					St. LouisMidCountry Bank, Metropolis, Illinois  -- report on competitive factors of the proposed merger with South Pointe Bank, Marion.					-Submitted, May 9, 2006 					San FranciscoOrange Community Bank, Orange, California  -- report on competitive factors of the proposed merger with OCB Merger Company.					-Submitted, May 8, 2006 					Kansas CityThe Stillwater National Bank and Trust Company, Stillwater, Oklahoma  -- report on competitive factors of the proposed merger with McMullen Bank, Tilden, Texas.					-Submitted, May 9, 2006 					DallasViewPoint Bank, Plano, Texas  -- report on competitive factors of the proposed reorganization into a three-tiered mutual holding company structure through an interim merger with ViewPoint MHC and ViewPoint Financial Group, Inc., which would own ViewPoint Bank, a federal savings bank. 					-Submitted, May 11, 2006 					

Extensions Of TimeSt. LouisFirst Banks, Inc., Hazelwood, Missouri  -- extension to August 7, 2006, to acquire an additional 10.09 percent, for total control of 24.99 percent, of the shares of Community West Bancshares, Goleta, California, and thereby acquire Community West Bank, National Association.					-Granted, May 8, 2006 					New YorkPark Avenue Bancorp, Inc., New York, New York  -- extension to July 14, 2006, to become a bank holding company and to acquire 80.1 percent of the shares of Park Avenue Bank.					-Granted, May 12, 2006 					AtlantaPilot Bank, Tampa, Florida  -- extension to May 11, 2007, to establish a branch at 439 South Florida Avenue, Lakeland.					-Granted, May 11, 2006 					ChicagoWintrust Financial Corporation, Lake Forest, Illinois  -- extension to August 24, 2006, to acquire Hinsbrook Bancshares, Inc., Willowbrook, and thereby acquire Hinsbrook Bank and Trust.					-Granted, May 8, 2006 					

Financial Holding CompaniesKansas CityDocking Bancshares, Inc., Arkansas City, Kansas  -- election to become a financial holding company.					-Effective, May 10, 2006 					RichmondPalmetto Heritage Bancshares, Inc., Pawleys Island, South Carolina  -- election to become a financial holding company.					-Effective, May 8, 2006 					St. LouisReliable Community Bancshares, Inc., Perryville, Missouri  -- election to become a financial holding company.					-Effective, May 11, 2006 					

MembershipChicagoViking State Bank & Trust, Decorah, Iowa  -- to become a member of the Federal Reserve System.					-Approved, May 9, 2006 					ChicagoWaukon State Bank, Waukon, Iowa  -- to become a member of the Federal Reserve System.					-Approved, May 9, 2006 					

Regulations And PoliciesFOMCShort-term Interest Rates  -- increase in the target for the federal funds rate from 4-3/4 percent to 5 percent.					-Approved, May 10, 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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