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#   Actions under delegated authority

## Actions taken during the week ending October 21, 2006

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Bank Branches, DomesticSt. LouisArvest Bank, Fayetteville, Arkansas  -- to establish a branch at 2600 Donaghey Avenue, Conway.					-Approved, October 17, 2006 					St. LouisBank of Evansville, Evansville, Indiana  -- to establish a branch at 515 Dixie Lane.					-Approved, October 17, 2006 					RichmondBank of the James, Lynchburg, Virginia  -- to establish a branch at 164 South Main Street, Amherst.					-Approved, October 19, 2006 					RichmondCitizens Community Bank, South Hill, Virginia  -- to establish a branch at 138 Roanoke Rapids Road, Gaston, North Carolina.					-Approved, October 16, 2006 					Kansas CityCottonwood Valley Bank, Cedar Point, Kansas  -- to establish a branch at 200 Broadway Street, Cottonwood Falls.					-Approved, October 16, 2006 					San FranciscoCounty Bank, Merced, California  -- to establish a branch at the intersection of Shanks Road and Schiendel Avenue, Delhi.					-Approved, October 16, 2006 					RichmondFarmers & Mechanics Bank, Frederick, Maryland  -- to establish a branch at 12916 Conamar Drive, Hagerstown.					-Approved, October 16, 2006 					RichmondFidelity & Trust Bank, Bethesda, Maryland  -- to establish a branch at 8601 Westwood Center Drive, Vienna, Virginia.					-Approved, October 20, 2006 					ClevelandFifth Third Bank, Cincinnati, Ohio  -- to establish a branch at 4653 Tuscarawas Street West, Perry Township.					-Approved, October 20, 2006 					ClevelandFifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 225 West State Street, Geneva, Illinois.					-Approved, October 17, 2006 					ClevelandFifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 24653 West Higgins Road, Hoffman Estates, Illinois.					-Approved, October 17, 2006 					ClevelandFifth Third Bank, Grand Rapids, Michigan  -- to establish a branch at 400 East South Water Street, Chicago, Illinois.					-Approved, October 17, 2006 					St. LouisFirst Bank, St. Louis, Missouri  -- to establish a branch at 1788 Tribute Road, Suite 304, Sacramento, California.					-Approved, October 17, 2006 					RichmondRBC Centura Bank, Raleigh, North Carolina  -- to establish a branch at 14495 Miramar Parkway, Miramar, Florida.					-Approved, October 18, 2006 					RichmondRBC Centura Bank, Raleigh, North Carolina  -- to establish a branch at 4620 PGA Boulevard, Suite 101, Palm Beach Gardens, Florida.					-Approved, October 18, 2006 					SecretarySandy Spring Bank, Olney, Maryland  -- to establish a branch at 8677 Georgia Avenue, Silver Spring.					-Approved, October 18, 2006 					

Bank Holding CompaniesChicagoBaytree Bancorp, Inc., Lake Forest, Illinois  -- to engage in riskless principal transactions through its subsidiary, Baytree Bancorp Investments, Inc.					-Approved, October 20, 2006 					Kansas CityBBOK Bancshares, Inc., Wichita, Kansas  -- to acquire First St. Louis Securities, St. Louis, Missouri, and thereby engage in securities brokerage, private placement services, and underwriting and dealing in government obligations and money market instruments.					-Approved, October 20, 2006 					Kansas CityBlue Lion Bancshares, Inc., Prairie Village, Kansas  -- to become a bank holding company and to acquire 99.95 percent of the shares of Hartford State Bank, Hartford.					-Approved, October 20, 2006 					Kansas CityBOR Bancorp, Rothville, Missouri  -- to become a bank holding company and to acquire Bank of Rothville.					-Approved, October 16, 2006 					SecretaryCadence Financial Corporation, Starkville, Mississippi  -- amended request for 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, October 16, 2006 					AtlantaCP Capital Asset Acquisition, Inc., Miami, Florida  -- to become a bank holding company and to acquire Security Bank, N.A., North Lauderdale.					-Approved, October 20, 2006 					ChicagoHeartland Financial USA, Inc., Dubuque, Iowa  -- to acquire Summit Acquisition Corporation, Broomfield, Colorado, and Summit Bank & Trust, a de novo bank; and for Summit Acquisition Corporation to become a bank holding company and to acquire Summit Bank & Trust.					-Approved, October 16, 2006 					AtlantaJacksonville Bancorp, Inc., Jacksonville, Florida  -- relief from a commitment.					-Withdrawn, October 18, 2006 					ClevelandNational City Corporation, Cleveland, Ohio  -- to acquire Fidelity Bankshares, Inc., West Palm Beach, Florida, Fidelity Federal Bank & Trust, and Fidelity Realty & Appraisal Services, Inc. and thereby engage in real estate appraisal services.					-Approved, October 16, 2006 					ChicagoPrivateBancorp, Inc., Chicago, Illinois  -- to acquire Piedmont Bancshares, Inc., Atlanta, Georgia, and Piedmont Bank of Georgia.					-Approved, October 18, 2006 					RichmondRBC Centura Banks, Inc., Raleigh, North Carolina; Royal Bank of Canada, Montreal, Quebec, Canada; Royal Bank Holding Inc., Toronto, Ontario; RBC Holding (USA) Inc., New York, New York; RBC USA Holdco Corporation; RBC Holdings (Delaware) Inc., Wilmington, Delaware; Prism Financial Corporation, Chicago, Illinois; and FLAG Acquisition Sub, Inc., Rocky Mount, North Carolina  -- to acquire FLAG Financial Corporation, Atlanta, Georgia, and FLAG Bank.					-Approved, October 18, 2006 					ChicagoS.B.C.P. Bancorp, Inc., Cross Plains, Wisconsin  -- waiver of application to acquire Verona Bancshares, Limited, Verona, and Independent Bank, in connection with the merger of Independent Bank and State Bank of Cross Plains, Cross Plains.					-Granted, October 20, 2006 					St. LouisSt. Elizabeth Bancshares, Inc., St. Elizabeth, Missouri  -- to acquire Bank of Freeburg, Freeburg.					-Approved, October 16, 2006 					San FranciscoSterling Financial Corporation, Spokane, Washington  -- waiver of application to merge with FirstBank NW Corp, Clarkston, in connection with the merger of FirstBank Northwest and Sterling Savings Bank, Spokane.					-Granted, October 20, 2006 					

Bank PremisesRichmondFarmers and Miners Bank, Pennington Gap, Virginia  -- to increase its investment in bank premises.					-Approved, October 19, 2006 					RichmondPeoples Community Bank, Montross, Virginia  -- to increase its investment in bank premises.					-Approved, October 17, 2006 					

Change In Bank ControlRichmondBig Coal River Bancorp, Inc., Whitesville, West Virginia  -- to retain control of Big Coal River Bancorp, Inc.					-Permitted, October 20, 2006 					St. LouisDearmin Bancorp, Inc., Odon, Indiana  -- change in bank control.					-Permitted, October 16, 2006 					PhiladelphiaLandmark Community Bank, Pittston, Pennsylvania  -- change in bank control.					-Permitted, October 18, 2006 					

Competitive Factors ReportsAtlantaAmerican Banking Company, Moultrie, Georgia  -- report on competitive factors of the proposed merger with Islands Community Bank, N.A., Beaufort, South Carolina.					-Submitted, October 16, 2006 					ClevelandThe Citizens Bank, Morehead, Kentucky  -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the Owingsboro and Sharpsburg branches of Farmers Bank & Trust Company, Georgetown.					-Submitted, October 16, 2006 					ChicagoFirst Bank & Trust, SB, Paris, Illinois  -- report on competitive factors of the proposed purchase of assets and assumption of deposit liabilities of the Rantoul branch of Central Illinois Bank, Champaign.					-Submitted, October 16, 2006 					MinneapolisFirst Security Bank, Underwood, Underwood, North Dakota  -- report on competitive factors of the proposed merger with The First National Bank of McClusky, McClusky.					-Submitted, October 18, 2006 					DallasFranklin Bank, S.S.B., Houston, Texas  -- report on competitive factors of the proposed acquisition of the Mount Vernon and Winnsboro branches of Equity Bank, SSB, Dallas.					-Submitted, October 18, 2006 					DallasFranklin Bank, S.S.B., Houston, Texas  -- report on competitive factors of the proposed acquisition of the Mount Vernon and Winnsboro branches of Equity Bank, SSB, Dallas.					-Submitted, October 20, 2006 					BostonGardiner Savings Institution Federal Savings Bank, Gardiner, Maine  -- report on competitive factors of the proposed acquisition of First Citizens Bank, Presque Isle.					-Submitted, October 17, 2006 					BostonHampden Bank, Springfield, Massachusetts  -- report on competitive factors of the proposed merger with Hampden Bancorp, MHC, in connection with a reorganization of the mutual holding company into a stock bank holding company.					-Submitted, October 18, 2006 					AtlantaMountain State Bank, Dawsonville, Georgia  -- report on competitive factors of the proposed acquisition of assets and liabilities of the two Dahlonega branches of Gainesville Bank & Trust, Gainesville.					-Submitted, October 19, 2006 					MinneapolisNorthview Bank, Finlayson, Minnesota  -- report on competitive factors of the proposed merger with The First National Bank of Deer River, Deer River.					-Submitted, October 18, 2006 					ChicagoThe Old Second National Bank of Aurora, Aurora, Illinois  -- report on competitive factors of the proposed merger with Old Second Mortgage Company, St. Charles.					-Submitted, October 16, 2006 					DallasPatriot Bank, Houston, Texas  -- report on competitive factors of the proposed merger with Northeast National Bank, Mesquite.					-Submitted, October 20, 2006 					DallasProsperity Bank, El Campo, Texas  -- report on competitive factors of the proposed merger with GNB Financial N.A., Gainesville.					-Submitted, October 20, 2006 					DallasProsperity Bank, El Campo, Texas  -- report on competitive factors of the proposed merger with Northwest Bank, Roanoke.					-Submitted, October 20, 2006 					DallasProsperity Bank, El Campo, Texas  -- report on competitive factors of the proposed merger with Gateway National Bank, Dallas.					-Submitted, October 20, 2006 					RichmondRBC Centura Bank, Raleigh, North Carolina  -- report on competitive factors of the proposed merger with FLAG Financial Corporation, Atlanta, Georgia.					-Submitted, October 18, 2006 					New YorkShinhan Bank America, New York, New York  -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the Oradell, New Jersey, branch of The Provident Bank, Jersey City.					-Submitted, October 19, 2006 					San FranciscoSterling Savings Bank, Spokane, Washington  -- report on competitive factors of the proposed merger with FirstBank Northwest, Clarkston.					-Submitted, October 19, 2006 					San FranciscoUnited Commercial Bank, San Francisco, California  -- report on competitive factors of the proposed merger with The Summit National Bank, Atlanta, Georgia.					-Submitted, October 18, 2006 					

Extensions Of TimeAtlantaIBERIABANK, Lafayette, Louisiana  -- extension to November 4, 2007, to establish a branch at Highway 21, Covington.					-Granted, October 17, 2006 					AtlantaSunTrust Bank, Atlanta, Georgia  -- extension to November 25, 2007, to establish a branch at 121 Rolling Hill Road, Suite 225, Mooresville, North Carolina.					-Granted, October 19, 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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