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#   Actions under delegated authority

## Actions taken during the week ending June 17, 2006

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Bank Branches, DomesticRichmondThe Bank of Floyd, Floyd, Virginia  -- to establish a branch at 7349 Peppers Ferry Boulevard, Radford.					-Approved, June 14, 2006 					RichmondBank of Lancaster, Kilmarnock, Virginia  -- to establish a branch at the intersection of Routes 632 and 205, Colonial Beach.					-Approved, June 14, 2006 					DallasFirst Bank, Burkburnett, Texas  -- to establish a branch at 2801 Midwestern Parkway, Wichita Falls.					-Approved, June 12, 2006 					AtlantaFirst Florida Bank, Naples, Florida  -- to establish a branch at 6150 Diamond Centre Court, Unit 1100, Fort Myers.					-Approved, June 15, 2006 					ChicagoOld Second Bank-Yorkville, Yorkville, Illinois  -- to establish a branch at 4040 Veterans Road, Ottawa.					-Approved, June 16, 2006 					RichmondResource Bank, Virginia Beach, Virginia  -- to establish a branch at 4180 Dominion Boulevard, Glen Allen.					-Approved, June 13, 2006 					SecretarySimmons First Bank, Searcy, Arkansas  -- to establish a branch at 901 Pecan Street, Beebe.					-Approved, June 16, 2006 					ClevelandSky Bank, Salineville, Ohio  -- to establish a branch at 1340 Freeport Road, Pittsburgh, Pennsylvania.					-Approved, June 16, 2006 					ClevelandSky Bank, Salineville, Ohio  -- to establish a branch at 3224 Northwest Boulevard, Upper Arlington.					-Approved, June 16, 2006 					

Bank Holding CompaniesPhiladelphiaBerkshire Bancorp, Inc., Wyomissing, Pennsylvania  -- to become a bank holding company and to acquire Berkshire Bank.					-Approved, June 16, 2006 					ChicagoCapitol Bancorp, Ltd., Lansing, Michigan  -- to acquire 51 percent of the shares of Bank of Everett, Everett, Washington, a de novo bank; and for Capitol Development Bancorp Limited V, Lansing, Michigan, to become a bank holding company and to acquire 51 percent of the shares of Bank of Everett.					-Approved, June 15, 2006 					New YorkCatskill Hudson Bancorp, Inc., Rock Hill, New York  -- to acquire Community Bank of Sullivan County.					-Approved, June 14, 2006 					Kansas CityCCB Financial Corporation, Kansas City, Missouri  -- waiver of application in connection with the merger of Country Club Bank, National Association, Shawnee Mission, Kansas, and CCB Interim Bank, N.A.					-Granted, June 15, 2006 					New YorkCitigroup Inc., New York, New York  -- waiver of application in connection with the consolidation of certain credit card operations.					-Granted, June 12, 2006 					New YorkCitigroup Inc., New York, New York  -- waiver of application in connection with the conversion of two federal savings bank subsidiaries to national banks and the merger of those banks with Citibank, N.A.					-Granted, June 12, 2006 					Kansas CityCuster Bancorp., Denver, Colorado  -- to acquire Paonia Financial Services, Inc., Paonia, and Paonia State Bank.					-Approved, June 13, 2006 					St. LouisFMS Bancorp, Inc., Poplar Bluff, Missouri  -- to acquire First Missouri State Bank of Cape County, Cape Girardeau, a de novo bank.					-Approved, June 15, 2006 					San FranciscoFrontier Financial Corporation, Everett, Washington  -- to acquire 12.2 percent of the shares of Skagit State Bancorp, Inc., Burlington, and thereby acquire shares of Skagit State Bank.					-Approved, June 16, 2006 					AtlantaHometown of Homestead, Inc., Fort Pierce, Florida  -- to become a bank holding company and to acquire First of Homestead, Inc., Homestead, and its subsidiary, 1st National Bank of South Florida; and for Hometown Banking Company, Ft. Pierce, The Prosperity Banking Company, Inc., St. Augustine, and Riverside Gulf Coast Banking Company, Cape Coral, to acquire shares of Hometown of Homestead, Inc., and 1st National Bank of South Florida.					-Approved, June 16, 2006 					San FranciscoIdaho Trust Bancorp, Boise, Idaho  -- to become a bank holding company and to acquire Idaho Trust National Bank, Coeur d'Alene; and to engage in financial and investment advisory services through Idaho Trust Investments, LLC, Boise.					-Approved, June 14, 2006 					ChicagoKujawa Family Holdings, Inc., Berlin, Wisconsin  -- to become a bank holding company and to acquire The Farmers & Merchants Bank.					-Approved, June 16, 2006 					AtlantaMadison Financial Corporation, Madison, Mississippi  -- relief from a commitment.					-Granted, June 16, 2006 					San FranciscoSan Joaquin Bancorp, Bakersfield, California  -- to become a bank holding company and to acquire San Joaquin Bank.					-Approved, June 16, 2006 					AtlantaSouthern Community Bancshares, Inc., Fayetteville, Georgia  -- relief from a commitment.					-Granted, June 16, 2006 					SecretaryWest Coast Bancorp, Lake Oswego, Oregon  -- waiver of application to acquire Mid-Valley Bank, Woodburn, in connection with the merger of Mid-Valley Bank and West Coast Bancorp's subsidiary, West Coast Bank, Lake Oswego.					-Granted, June 16, 2006 					

Bank MergersSecretaryManufacturers and Traders Trust Company, Buffalo, New York  -- to purchase certain assets and assume certain liabilities of 21 New York state branches of Citibank, N.A., New York, and thereby establish branches.					-Approved, June 15, 2006 					

Change In Bank ControlNew YorkCatskill Hudson Bancorp, Inc., Rock Hill, New York  -- change in bank control.					-Permitted, June 14, 2006 					Kansas CityFarmers State Bankshares, Inc., Circleville, Kansas  -- change in bank control.					-Permitted, June 13, 2006 					San FranciscoPacific International Bancorp, Inc., Seattle, Washington  -- to retain control of Pacific International Bancorp, Inc.					-Permitted, June 13, 2006 					St. LouisPorter Bancorp, Inc., Louisville, Kentucky  -- change in bank control.					-Permitted, June 16, 2006 					Kansas CityUnited Capital Bancshares, Inc., Wyandotte, Oklahoma  -- change in bank control.					-Withdrawn, June 13, 2006 					ChicagoValley Community Bancorp, Inc., St. Charles, Illinois  -- change in bank control.					-Permitted, June 12, 2006 					

Competitive Factors ReportsAtlantaAmerican Banking Company, Moultrie, Georgia  -- report on competitive factors of the proposed acquisition of certain assets and assumption of certain liabilities of Citizens Bank Wakulla, Crawfordville, Florida; merger of Citizens Bank Wakulla and HeritageBank of the South, Albany, Georgia; acquisition of certain assets and assumption of certain liabilities by American Banking Company in connection with that merger; and establishment by HertigeBank of the South of a branch in Ocala, Florida.					-Submitted, June 12, 2006 					St. LouisBancorpSouth Bank, Tupelo, Mississippi  -- report on competitive factors of the proposed merger with First Kensington Bank, Tampa, Florida.					-Submitted, June 16, 2006 					St. LouisBrown County State Bank, Mount Sterling, Illinois  -- report on competitive factors of the proposed merger with Golden State Bank, Golden.					-Submitted, June 16, 2006 					Kansas CityThe Citizens National Bank of Wisner, Wisner, Nebraska  -- report on competitive factors of the proposed merger with First National Bank of Belden, Belden, and Bank of Leigh, Leigh.					-Submitted, June 14, 2006 					ChicagoThe Farmers & Merchants Bank, Berlin, Wisconsin  -- report on competitive factors of the proposed merger with Kujawa Interim Bank.					-Submitted, June 16, 2006 					DallasFirst National Bank of Weatherford, Weatherford, Texas  -- report on competitive factors of the proposed merger with First National Bank of the Mid-Cities, Bedford.					-Submitted, June 13, 2006 					San FranciscoInland Community Bank, National Association, Rialto, California  -- report on competitive factors of the proposed merger with Western State Bank, Duarte.					-Submitted, June 14, 2006 					ChicagoMainSource Bank, Greensburg, Indiana  -- report on competitive factors of the proposed acquisition of the Vevay, East Enterprise, Liberty, and Madison branches of First Financial Bank, N.A., Hamilton, Ohio.					-Submitted, June 13, 2006 					MinneapolisMarshfield Savings Bank, Marshfield, Wisconsin  -- report on competitive factors of the proposed merger with two interim banks.					-Submitted, June 12, 2006 					ChicagoMutual Federal Savings Bank of Muncie, Muncie, Indiana  -- report on competitive factors of the proposed purchase of the Winchester, Warsaw, and Wabash branches of First Financial Bank, N.A., Hamilton, Ohio.					-Submitted, June 13, 2006 					San FranciscoSan Joaquin Bank, Bakersfield, California  -- report on competitive factors of the proposed merger with San Joaquin Reorganization Corp.					-Submitted, June 14, 2006 					

Extensions Of TimeSt. LouisGerman American Bancorp, Jasper, Indiana  -- extension to August 2, 2006, to acquire 9.9 percent of the shares of Indiana Bank Corp., Terre Haute, and thereby acquire The First National Bank of Dana, Dana.					-Granted, June 13, 2006 					PhiladelphiaPenn Bancshares, Inc., Pennsville, New Jersey  -- extension to September 19, 2006, to purchase 24.89 percent of the shares of Harvest Community Bank.					-Granted, June 15, 2006 					

Financial Holding CompaniesChicagoFirst Belmond Bancorporation, Belmond, Iowa  -- election to become a financial holding company.					-Effective, June 13, 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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