APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY ACT: By Federal Reserve Banks.

APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY ACT
By Federal Reserve Banks

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

Section 3

Applicant(s)                         Bank(s)

Advantage Bancorp, Inc.,             Advantage Bank,
  Woodbury, Minnesota                  Loveland, Colorado
Anita Bancorporation,                EWN Investments, Inc.,
  Atlantic, Iowa                       Ute, Iowa
                                     Ute State Bank,
                                       Ute, Iowa
Ardmore Merger Corporation,          First National Corporation of
  Ardmore, Oklahoma                    Ardmore, Inc.,
                                       Ardmore, Oklahoma
Caixa Geral de Depositos, S.A.,      Banco Comercial Portugues,
  Lisbon, Portugal                     Oporto, Portugal
                                     BPABank, National Association,
                                       Newark, New Jersey
Central Texas Bankshare Holdings,    Hill Bancshares Holdings, Inc.,
  Inc.,                                Weimar, Texas
  Columbus, Texas                    Hill Bank & Trust Company,
Colorado County Investment             Weimar, Texas
  Holdings, Inc.,
  Wilmington, Delaware
Central Valley Community Bancorp,    Clovis Community Bank,
  Clovis, California                   Clovis, California
Community Bancshares Spring          Community Bank Spring Green and
  Green and Plain, Inc.,               Plain,
  Spring Green, Wisconsin              Spring Green, Wisconsin
Cornerstone Bancorp, Inc.,           Cornerstone National Bank and
  Palatine, Illinois                   Trust Company,
                                       Palatine, Illinois
The Dai-Ichi Kangyo Bank, Ltd.,      DKF Trust Company (USA),
  Tokyo, Japan                         New York, New York
The Dai-Ichi Kangyo Fuji Trust and
  Banking Company, Ltd.,
  Tokyo, Japan
The Exchange Bankshares, Inc.,       The Exchange Bank,
  Estill, South Carolina               Estill, South Carolina
Farmers and Merchants Bancshares,    Farmers and Merchants National
  Inc.,                                Bank, Nashville, Illinois
  Nashville, Illinois
Farmers & Merchants Financial        Minnesota Valley Financial
  Services, Inc.,                      Services, Inc.,
  St. Paul, Minnesota                  St. Paul, Minnesota
                                     Courtland State Bank,
                                       Courtland, Minnesota
Farmers National Banc Corp.,         Security Financial Corporation,
  Canfield, Ohio                       Niles, Ohio
Flathead Holding Company of          Mountain Bank System,
  Bigfork,                             Bigfork, Montana
  Bigfork, Montana                   Valley Bank of Belgrade,
                                       Belgrade, Montana
FNB Bancorp,                         The First National Bank of
  Layton, Utah                         Layton, Layton, Utah
Frankston Bancorp, Inc.,             First State Bank,
  Frankston, Texas                     Frankston, Texas
GrandSouth Bancorporation,           GrandSouth Bank,
  Simpsonville, South Carolina         Fountain Inn, South Carolina
Greater Bay Bancorp,                 Bank of Petaluma,
  Palo Alto, California                Petaluma, California
Heartland Bancshares, Inc.,          Union Bank of Arizona,
  Lenox, Iowa                          Gilbert, Arizona
The Industrial Bank of Japan,        The Dai-Ichi Kangyo Fuji Trust
  Ltd., Tokyo, Japan                   and Banking Company, Ltd.,
                                       Tokyo, Japan
                                     DKF Trust Company (USA),
                                       New York, New York
The Industrial Bank of Japan,        Nomura Securities Co., Ltd.,
  Ltd., Tokyo, Japan                   Tokyo, Japan
                                     Nomura IBJ Global Investment
                                       Advisors, Inc.,
                                       New York, New York
Inter-Mountain Bancorp., Inc.,       Westbanco,
  Bozeman, Montana                     West Yellowstone, Montana
                                     First Security Bank of West
                                       Yellowstone,
                                       West Yellowstone, Montana
Lafayette Community Bancorp,         Lafayette Community Bank,
  Lafayette, Indiana                   Lafayette, Indiana
M&T Bank Corporation,                Premier National Bancorp, Inc.,
  Buffalo, New York                    Lagrangeville, New York
Olympia Financial Corporation,       Premier National Bank, N.A.,
  Buffalo, New York                    Lagrangeville, New York
Shorebank Corporation,               Shorebank Advisory Services
  Chicago, Illinois                    Mexico, Leon, Mexico
Shorebank Advisory Services, Inc.,
  Chicago, Illinois
Southern Michigan Bancorp, Inc.,     Sturgis Bank & Trust Company,
  Coldwater, Michigan                  Sturgis, Michigan
Tradition Bancshares, Inc.,          First National Bank of Bellaire,
  Houston, Texas                       Houston, Texas
Tradition Bancshares of Delaware,
  Inc.,
  Wilmington, Delaware
Wells Fargo & Company,               Buffalo National Bancshares,
  San Francisco, California            Inc., Buffalo, Minnesota
                                     The Buffalo National Bank,
                                       Buffalo, Minnesota

Section 4

Applicant(s)                         Nonbanking Activity/Company

Banco Bilbao Vizcaya Argentaria,     Argentaria International
  S.A.,                                Securities Inc., New York,
  Bilbao, Spain                        New York
BBV Securities Inc.,
  New York, New York
Bank of America Corporation,         SafeCheck Company, L.L.C.,
  Charlotte, North Carolina            New York, New York
First Union Corporation,
  Charlotte, North Carolina
BB&T Corporation,
  Winston-Salem, North Carolina
Wachovia Corporation,
  Winston-Salem, North Carolina
SunTrust Banks, Inc.,
  Atlanta, Georgia
BancWest Corporation,
  Honolulu, Hawaii
Star Systems, Inc.,
  Maitland, Florida
Boston Private Financial Holdings,   Sand Hill Advisors, Inc.,
  Inc.,                                Menlo Park, California
  Boston, Massachusetts
Citizens Community Bancorp, Inc.,    To engage de novo in brokering
  Marco Island, Florida                of loans
The Dai-Ichi Kangyo Bank,            CIT Group,Inc.,
  Limited,                             New York, New York
  Tokyo, Japan
First Volunteer Corporation,         Carter-Wilson-Hewgley
  Chattanooga, Tennessee               Insurance, Inc.,
                                       South Pittsburg, Tennessee
Franklin Bancorp, Inc. d/b/a         To engage de novo in employee
  Sunrise Community Banks,             benefits consulting and data
  St. Paul, Minnesota                  processing services
Southern Michigan Bancorp, Inc.,     H.O.M.E. Limited Dividend
  Coldwater, Michigan                  Housing Association Limited
                                       Partnership, Sturgis,
                                       Michigan
                                     Sturgis Bank & Trust Company,
                                       Sturgis, Michigan
                                     First Michiana Development
                                       Corporation,
                                       Sturgis, Michigan
Union Bankshares Company,            Mid-Coast Bancorp, Inc.,
  Ellsworth, Maine                     Waldoboro, Maine
                                     The Waldoboro Bank, F.S.B.,
                                       Waldoboro, Maine
Westdeutsche Landesbank              Phillips Capital Management
  Girozentrale,                        LLC, Chicago, Illinois
  Dusseldolf, Germany
Patapsco Bancorp, Inc.,              Northfield Bancorp, Inc.,
  Dundalk, Maryland                    Baltimore, Maryland
Commerce Financial Corporation       Commerce Financial Corporation,
  Employee Stock Ownership Plan,       Topeka, Kansas
  Topeka, Kansas                     Financial Institution
                                       Technologies, Topeka, Kansas

Section 3

Applicant(s)                         Reserve Bank    Effective Date

Advantage Bancorp, Inc.,             Kansas City     August 24, 2000
  Woodbury, Minnesota
Anita Bancorporation,                Chicago         August 22, 2000
  Atlantic, Iowa
Ardmore Merger Corporation,          Kansas City     August 24, 2000
  Ardmore, Oklahoma

Caixa Geral de Depositos, S.A.,      New York        August 30, 2000
  Lisbon, Portugal
Central Texas Bankshare Holdings,    Dallas          August 18, 2000
  Inc.,
  Columbus, Texas
Colorado County Investment
  Holdings, Inc.,
  Wilmington, Delaware
Central Valley Community Bancorp,    San Francisco   September 11, 2000
  Clovis, California
Community Bancshares Spring          Chicago         August 25, 2000
  Green and Plain, Inc.,
  Spring Green, Wisconsin
Cornerstone Bancorp, Inc.,           Chicago         September 14, 2000
  Palatine, Illinois
The Dai-Ichi Kangyo Bank, Ltd.,      New York        September 6, 2000
  Tokyo, Japan
The Dai-Ichi Kangyo Fuji Trust and
  Banking Company, Ltd.,
  Tokyo, Japan
The Exchange Bankshares, Inc.,       Richmond        August 25, 2000
  Estill, South Carolina
Farmers and Merchants Bancshares,    St. Louis       August 30, 2000
  Inc.,
  Nashville, Illinois
Farmers & Merchants Financial        Minneapolis     September 13, 2000
  Services, Inc.,
  St. Paul, Minnesota
Farmers National Banc Corp.,         Cleveland       September 7, 2000
  Canfield, Ohio
Flathead Holding Company of          Minneapolis     September 20, 2000
  Bigfork,
  Bigfork, Montana
FNB Bancorp,                         San Francisco   August 21, 2000
  Layton, Utah
Frankston Bancorp, Inc.,             Dallas          September 19, 2000
  Frankston, Texas
GrandSouth Bancorporation,           Richmond        August 21, 2000
  Simpsonville, South Carolina
Greater Bay Bancorp,                 San Francisco   September 7, 2000
  Palo Alto, California
Heartland Bancshares, Inc.,          Chicago         August 17, 2000
  Lenox, Iowa
The Industrial Bank of Japan,        New York        September 6, 2000
  Ltd., Tokyo, Japan
The Industrial Bank of Japan,        New York        September 6, 2000
  Ltd., Tokyo, Japan
Inter-Mountain Bancorp., Inc.,       Minneapolis     September 14, 2000
  Bozeman, Montana
Lafayette Community Bancorp,         Chicago         September 1, 2000
  Lafayette, Indiana
M&T Bank Corporation,                New York        September 8, 2000
  Buffalo, New York
Olympia Financial Corporation,
  Buffalo, New York
Shorebank Corporation,               Chicago         September 14, 2000
  Chicago, Illinois
Shorebank Advisory Services, Inc.,
  Chicago, Illinois
Southern Michigan Bancorp, Inc.,     Chicago         September 1, 2000
  Coldwater, Michigan
Tradition Bancshares, Inc.,          Dallas          September 20, 2000
  Houston, Texas
Tradition Bancshares of Delaware,
  Inc.,
  Wilmington, Delaware
Wells Fargo & Company,               San Francisco   August 23, 2000
  San Francisco, California

Section 4

Applicant(s)                         Reserve Bank    Effective Date

Banco Bilbao Vizcaya Argentaria,     New York        September 7, 2000
  S.A.,
  Bilbao, Spain
BBV Securities Inc.,
  New York, New York
Bank of America Corporation,         Richmond        August 21, 2000
  Charlotte, North Carolina
First Union Corporation,
  Charlotte, North Carolina
BB&T Corporation,
  Winston-Salem, North Carolina
Wachovia Corporation,
  Winston-Salem, North Carolina
SunTrust Banks, Inc.,
  Atlanta, Georgia
BancWest Corporation,
  Honolulu, Hawaii
Star Systems, Inc.,
  Maitland, Florida
Boston Private Financial Holdings,   Boston          August 18, 2000
  Inc.,
  Boston, Massachusetts
Citizens Community Bancorp, Inc.,    Atlanta         August 30, 2000
  Marco Island, Florida
The Dai-Ichi Kangyo Bank,            San Francisco   September 6, 2000
  Limited,
  Tokyo, Japan
First Volunteer Corporation,         Atlanta         August 23, 2000
  Chattanooga, Tennessee
Franklin Bancorp, Inc. d/b/a         Minneapolis     August 21, 2000
  Sunrise Community Banks,
  St. Paul, Minnesota
Southern Michigan Bancorp, Inc.,     Chicago         September 13, 2000
  Coldwater, Michigan
Union Bankshares Company,            Boston          August 18, 2000
  Ellsworth, Maine
Westdeutsche Landesbank              New York        September 11, 2000
  Girozentrale,
  Dusseldolf, Germany
Patapsco Bancorp, Inc.,              Richmond        August 28, 2000
  Dundalk, Maryland
Commerce Financial Corporation       Kansas City     August 23, 2000
  Employee Stock Ownership Plan,
  Topeka, Kansas