Actions under delegated authority

Brookline Bank, Brookline, Massachusetts -- to establish a branch at 456 Main Street, Waltham.
-Approved, May 24, 2013

First Nebraska Bank, Valley, Nebraska -- to establish four mobile branches in Valley, Bennet, Emerson, and Stanton to operate in and around the respective communities.
-Approved, May 22, 2013

KCB Bank, Kearney, Missouri -- to establish a branch at Northridge Center, 13100 Kansas Avenue, Bonner Springs, Kansas.
-Approved, May 22, 2013

Big Sky Holding Company, Stanford, Montana -- to purchase the assets and assume the liabilities of N.B. Matthews Insurance Agency, Stanford, and thereby engage in insurance agency activities in a town with a population not exceeding 5,000.
-Approved, May 21, 2013

BOR Bancorp, Rothville, Missouri -- waiver of application to acquire Napoleon Bank, Napoleon, in connection with its merger with and into Bancorp's subsidiary, Preferred Bank, Rothville.
-Granted, May 23, 2013

CedarStone Financial, Inc., Lebanon, Tennessee -- to become a bank holding company by acquiring CedarStone Bank, Lebanon.
-Approved, May 24, 2013

FBC Bancshares, Inc., Conroe, Texas -- to become a bank holding company by acquiring First Bank, N.A., Conroe.
-Approved, May 22, 2013

Goering Management Company, LLC, Moundridge, Kansas, and Goering Financial Holding Company Partnership, L.P. -- to retain shares of Bon, Inc., Moundridge, and its subsidiaries, Home State Bank & Trust Co., McPherson, and The Citizens State Bank, Moundridge.
-Approved, May 24, 2013

Hopfed Bancorp, Inc., Hopkinsville, Kentucky -- to become a bank holding company through the conversion of its subsidiary federal savings bank, Heritage Bank, Hopkinsville, to a state-chartered commercial bank.
-Approved, May 20, 2013

J & B Financial Holdings, Inc., Minneapolis, Minnesota -- to become a bank holding company by acquiring Mills Resolute Bank, Sanborn.
-Approved, May 24, 2013

Lakeland Bancorp, Inc., Oak Ridge, New Jersey -- waiver of application to acquire Somerset Hills Bancorp, Bernardsville, in connection with the merger of their respective subsidiaries, Lakeland Bank, Newfoundland, and Somerset Hills Bank, Bernardsville.
-Granted, May 21, 2013

Southwest Bancshares, Inc., San Antonio, Texas -- to acquire San Antonio Capital & Trust Holdings, LLC, San Antonio, and indirectly acquire San Antonio Capital & Trust Company, LLC; San Antonio Trust Company, LTA; and San Antonio Capital Management, LLC, and thereby engage in trust company functions and financial and investment advisory activities.
-Approved, May 23, 2013

Tri-County Financial Group, Inc., Mendota, Illinois -- waiver of application to acquire Lincoln Bancorp, Inc., Rochelle, in connection with the merger of their respective subsidiaries, First State Bank, Mendota, and Lincoln State Bank, S.B., Rochelle.
-Granted, May 23, 2013

The Westmoreland Company, Inc., Huntsville, Alabama -- relief from certain commitments.
-Granted, May 20, 2013

F & M Bancshares, Inc., De Leon, Texas -- change in bank control of F & M Bancshares and its subsidiary, Farmers and Merchants Bank, De Leon.
-Permitted, May 23, 2013

Finlayson Bancshares, Inc., Finlayson, Minnesota -- change in bank control of Finlayson Bancshares and its subsidiaries, Northview Bank, Sandstone, and First Independent Bank, Russell.
-Permitted, May 24, 2013

Greenwoods Financial Group, Inc., Lake Mills, Wisconsin -- change in bank control of Greenwoods Financial Group and its subsidiary, The Greenwood's State Bank, Lake Mills.
-Permitted, May 20, 2013

Menahga Bancshares, Inc., Menahga, Minnesota -- to retain control of Menahga Bancshares and its subsidiary, First National Bank of Menahga & Sebeka, Menahga.
-Permitted, May 21, 2013