APPLICATION APPROVED UNDER BANK MERGER ACT.

By Federal Reserve Bank

Recent applications have been approved by the Federal reserve Banks as listed below. Copies are available upon request to the Reserve Banks.

Applicant(s)                        Bank(s)

Chemical Bank Bay Area,             National City Bank Michigan/
  Bay City, Michigan                  Illinois, Bannockburn,
                                      Illinois
Community First Bank & Trust,       Union Trust Bank,
  Celina, Ohio                        Union City, Indiana
F&M Bank-Iowa Central,              F&M Bank-Iowa Story County,
  Marshalltown, Iowa                  Story City, Iowa
                                    F&M Bank-Iowa South Central,
                                      Grinnell, Iowa
Fifth Third Bank,                   Fifth Third Bank of Central
  Kentucky, Inc.,                     Kentucky, Inc.,
  Louisville, Kentucky                Cynthiana, Kentucky
First American Bank and Trust       Dewey County State Bank,
  Company,                            Taloga, Oklahoma
  Purcell, Oklahoma
First Virginia Bank of Tidewater,   First Virginia Bank-
  Norfolk, Virginia                   Commonwealth, Newport News,
                                      Virginia
Iowa State Bank,                    Security State Bank,
  Calmar, Iowa                        Calmar, Iowa
Ossian State Bank,
  Ossian, Iowa
Laurel Bank,                        First Philson Bank, N.A.,
  Johnstown, Pennsylvania             Berlin, Pennsylvania
Lemay Bank and Trust Company,       LBT Interim Bank,
  St. Louis, Missouri                 St. Louis, Missouri
Pullman Bank and Trust Company,     Regency Savings Bank, FSB,
  Chicago, Illinois                   Naperville, Illinois
Republic Security Bank,             First National Bank of Central
  West Palm Beach, Florida            Florida, Longwood, Florida

Applicant(s)                        Reserve Bank   Effective Date

Chemical Bank Bay Area,             Chicago        June 9, 1999
  Bay City, Michigan
Community First Bank & Trust,       Cleveland      May 21, 1999
  Celina, Ohio
F&M Bank-Iowa Central,              Chicago        June 14, 1999
  Marshalltown, Iowa
Fifth Third Bank,                   Cleveland      June 17, 1999
  Kentucky, Inc.,
  Louisville, Kentucky
First American Bank and Trust       Kansas City    June 18, 1999
  Company,
  Purcell, Oklahoma
First Virginia Bank of Tidewater,   Richmond       June 16, 1999
  Norfolk, Virginia
Iowa State Bank,                    Chicago        June 16, 1999
  Calmar, Iowa
Ossian State Bank,
  Ossian, Iowa
Laurel Bank,                        Philadelphia   June 10, 1999
  Johnstown, Pennsylvania
Lemay Bank and Trust Company,       St. Louis      May 25, 1999
  St. Louis, Missouri
Pullman Bank and Trust Company,     Chicago        May 21, 1999
  Chicago, Illinois
Republic Security Bank,             Atlanta        May 26, 1999
  West Palm Beach, Florida