FRB: H.2--Actions under delegated authority--Week ending October 29, 2005

CommerceFirst Bank, Annapolis, Maryland -- to establish a branch at 910 Cromwell Park Drive, Glen Burnie.
-Approved, October 27, 2005

Frontier Bank, Everett, Washington -- to establish a branch at 3670 Bridgeport Way West, University Place.
-Approved, October 24, 2005

Pulaski Bank and Trust Company, Little Rock, Arkansas -- to establish a branch at 7465 Poplar Avenue, Germantown, Tennessee.
-Approved, October 28, 2005

Regions Bank, Birmingham, Alabama -- to establish a branch at 2131 Ayrsley Town Boulevard, Charlotte, North Carolina.
-Approved, October 25, 2005

Town Bank, Delafield, Wisconsin -- to establish a branch at 12960 West Bluemound Road, Elm Grove.
-Approved, October 28, 2005

Bank Holding Companies

Abdo Investments, Inc., Edina, Minnesota -- to become a bank holding company and to acquire up to 24.24 percent of the shares of Rivers Ridge Holding Company, parent of Bank Vista, Sartell.
-Approved, October 24, 2005

CCB Acquisition Corp, Oak Brook, Illinois -- to become a bank holding company and to acquire Citizens Central Bancorp, Inc., Macomb, and thereby acquire Citizens National Bank.
-Approved, October 27, 2005

Integrity First Bancorporation, Inc., Wausau, Wisconsin -- to become a bank holding company and to acquire Integrity First Bank, a de novo bank.
-Approved, October 27, 2005

The PNC Financial Services Group, Inc., Pittsburgh, Pennsylvania -- request for an exemption under the Depository Institutions Management Interlocks Act and Regulation L.
-Granted, October 24, 2005

Bank Premises

The Genoa Banking Company, Genoa, Ohio -- request to exceed the limit of investment in bank premises.
-Approved, October 26, 2005

Pulaski Bank and Trust Company, Little Rock, Arkansas -- to make an additional investment in bank premises.
-Approved, October 28, 2005

Banks, Foreign

Deutsche Genossenschafts-Hypothekenbank AG, Hamburg, Germany -- to establish a representative office in New York, New York.
-Approved, October 25, 2005

Change In Bank Control

FCB Bancshares, Inc., Cullman, Alabama -- change in bank control.
-Permitted, October 25, 2005

Competitive Factors Reports

Affinity Bank of Pennsylvania, Wyomissing, Pennsylvania -- report on competitive factors of the proposed purchase of assets and assumption of liabilities of the Reading branch of Susquehanna Patriot Bank, Marlton, New Jersey.
-Submitted, October 28, 2005

Bank of North Georgia, Alpharetta, Georgia -- report on competitive factors of the proposed merger with Riverside Bank, Marietta.
-Submitted, October 25, 2005

BCPBank, National Association, Newark, New Jersey -- reports on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the New York branch of Banco Comercial Portugues S.A., Oporto, Portugal.
-Submitted, October 27, 2005

The Central Bank USA, Inc., Greensburg, Kentucky -- report on competitive factors of the proposed merger with Ascencia Bank, Inc., Louisville; Brownsville Deposit Bank, Brownsville; and Bullitt County Bank, Shepherdsville.
-Submitted, October 24, 2005

Community Bank, Muscatine, Iowa -- report on competitive factors of the proposed merger with Wilton Savings Bank, Wilton.
-Submitted, October 24, 2005

Community Trust Bank, Choudrant, Louisiana -- report on competitive factors of the proposed merger with First United Bank, Farmerville.
-Submitted, October 24, 2005

First Citizens National Bank, Mansfield, Pennsylvania -- report on competitive factors of the proposed purchase of certain assets and assumption of certain liabilities of the Hannibal, New York, branch of Fulton Savings Bank, Fulton.
-Submitted, October 25, 2005

First United Bank and Trust Company, Durant, Oklahoma -- report on competitive factors of the proposed merger with Southwestern Bancshares, Inc., Oklahoma City, and Southwestern Bank.
-Submitted, October 25, 2005

Hudson Valley Holding Corp., Yonkers, New York -- report on competitive factors of the proposed acquisition of New York National Bank, Bronx.
-Withdrawn, October 25, 2005

MidWestOne Bank & Trust, Oskaloosa, Iowa -- report on competitive factors of the proposed merger with MidWestOne Bank, Burlington; Central Valley Bank, Ottumwa; and Pella State Bank, Pella.
-Submitted, October 24, 2005

Milwaukee Western Bank, Milwaukee, Wisconsin -- report on competitive factors of the proposed merger with its investment subsidiary, MWB Investment Corporation.
-Submitted, October 24, 2005

Morton Community Bank, Morton, Illinois -- report on competitive factors of the proposed merger with Pekin Savings Bank, Pekin.
-Submitted, October 24, 2005

Pullman Bank and Trust Company, Chicago, Illinois -- report on competitive factors of the proposed conversion to a national bank, to be called Park National Bank; and the proposed merger with First Bank of Oak Park, Oak Park; Regency Savings Bank, FSB, Naperville; Cosmopolitan Bank and Trust, Chicago; and Park National Bank and Trust Company of Chicago.
-Submitted, October 24, 2005

West Alabama Bank & Trust, Reform, Alabama -- report on competitive factors of the proposed merger with Merchants & Farmers Bank, Millport.
-Submitted, October 27, 2005

Extensions Of Time

Bank Independent, Sheffield, Alabama -- extension to October 20, 2006, to establish a branch at the intersection of Highway 72 and Lindsay Lane, Athens.
-Granted, October 25, 2005

FirstFed Bancorp, Inc. Employee Stock Ownership Plan, Bessemer, Alabama -- extension to February 23, 2006, to become a bank holding company and to acquire 32 percent of the shares of FirstFed Bancorp, Inc., and its subsidiary, First Financial Bank.
-Granted, October 26, 2005

New York Community Bancorp, Inc., Westbury, New York -- commenter's request to extend the comment period on the application to acquire Long Island Financial Corp., Islandia.
-Denied, October 28, 2005

The Toronto-Dominion Bank, Toronto, Canada, and TD Banknorth, Inc., Portland, Maine -- commenter's request to extend the comment period on the application to acquire Hudson United Bancorp, Inc., Mahwah, New Jersey.
-Denied, October 27, 2005

Virginia Commerce Bank, Arlington, Virginia -- extension to April 28, 2006, to establish a branch at 9161 Liberia Avenue, Manassas.
-Granted, October 27, 2005

Actions under delegated authority

Actions taken during the week ending October 29, 2005