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)

Baytree Bancorp, Inc.,              Baytree National Bank & Trust Co.,
  Chicago, Illinois                   Chicago, Illinois
Branson Bancshares, Inc.,           Branson Bank,
  Branson, Missouri                   Branson, Missouri
Capitol Bancorp Ltd.,               Black Mountain Community Bank,
  Lansing, Michigan                   Henderson, Nevada
Sun Community Bancorp Limited,
  Phoenix, Arizona
Nevada Community Bancorp
  Limited,
  Las Vegas, Nevada
Capitol Bancorp Ltd.,               Sunrise Bank of Albuquerque,
  Lansing, Michigan                   Albuquerque, New Mexico
Sun Community Bancorp Limited,
  Phoenix, Arizona
Sunrise Capital Corporation,
  Albuquerque, New Mexico
Central Financial Corporation,      NorthStar Bancshares, Inc.,
  Hutchinson, Kansas                  Riverside, Missouri
Concord Bancshares, Inc.,           Concord Bank,
  St. Louis, Missouri                 St. Louis, Missouri
Crown Bankshares, Inc.,             Crown Bank,
  Eden Prairie, Minnesota             Edina, Minnesota
Davis Trust Financial Corporation,  Davis Trust Company,
  Elkins, West Virginia               Elkins, West Virginia
First Charter Corporation,          Carolina First Bancshares, Inc.,
  Concord, North Carolina             Lincolnton, North Carolina
First Northern Community Bancorp,   First Northern Bank of Dixon,
  Dixon, California                   Dixon, California
The Leaders Group, Inc.,            The Leaders Bank,
  Oak Brook, Illinois                 Oak Brook, Illinois
Kane.Commerce Co.,                  Community State Bank of Plymouth,
  Davenport, Iowa                     Plymouth, Illinois
Maries County Bancorp, Inc.,        Branson Bancshares, Inc.,
  Vienna, Missouri                    Branson, Missouri
                                    Branson Bank,
                                      Branson, Missouri
National Commerce Bancorporation,   Piedmont Bancorp, Inc.,
  Memphis, Tennessee                  Hillsborough, North Carolina
                                    Hillsborough Savings Bank, Inc.,
                                      SSB, Hillsborough,
                                      North Carolina
New Mexico First Financial, Inc.,   Mesilla Valley Bank,
  Dover, Delaware                     Las Cruces, New Mexico
NorthStar Bancshares, Inc.,         NorthStar Bank, National
  Riverside, Missouri                 Association,
                                      Kansas City, Missouri
Ohio Legacy Corp.,                  Ohio Legacy Bank, N.A.,
  Wooster, Ohio                       Wooster, Ohio
Omni Financial Services, Inc.,      United National Bank,
  Atlanta, Georgia                    Fayetteville, North Carolina
Park National Corporation,          SNB Corp.,
  Newark, Ohio                        Greenville, Ohio
Park National Corporation,          UB Bancshares, Inc.,
  Newark, Ohio                        Bucyrus, Ohio
Premier Capital Corp.,              Premier Bank,
  Denver, Colorado                    Denver, Colorado
Scottsdale Bancorp,                 Scottsdale Community Bank,
  Woodbury, Minnesota                 Scottsdale, Arizona
Three Rivers Bancorp., Inc.,        Three Rivers Bank and Trust
  Monroeville, Pennsylvania           Company,
                                      Monroeville, Pennsylvania
Vision Bancshares, Inc.,            Vision Bank,
  Gulf Shores, Alabama                Gulf Shores, Alabama
Wells Fargo & Company,              Michigan Financial Corporation,
  San Francisco, California           Marquette, Michigan
                                    MFC First National Bank,
                                      Marquette, Michigan
                                    MFC First National Bank,
                                      Menominee, Michigan
                                    MFC First National Bank,
                                      Ironwood, Michigan
                                    MFC First National Bank,
                                      Iron River, Michigan
                                    MFC First National Bank,
                                      Iron Mountain, Michigan
                                    MFC First National Bank,
                                      Houghton, Michigan
                                    MFC First National Bank,
                                      Escanaba, Michigan

Section 4

Applicant(s)                        Nonbanking Activity/Company

Bank of Montreal,                   Lending, Inc.,
  Toronto, Ontario, Canada            Chicago, Illinois
Bankmont Financial Corp.,
  Chicago, Illinois
The Chase Manhattan Bank,           CSL Leasing, Inc.,
  New York, New York                  Wilmington, Delaware
Chase Manhattan Bank Delaware,
  Wilmington, Delaware
Heartland Bancshares, Inc.,         First Community National Bank,
  Lenox, Iowa                         Corning, Iowa
Iowa State Bank Holding Company,    To engage de novo in extending
  Des Moines, Iowa                    credit and servicing loans
Klein Financial, Inc.,              Home Town Mortgage, Inc.,
  Chaska, Minnesota                   Chaska, Minnesota
Marquette Bancshares, Inc.,         Apocalypse Corporation,
  Minneapolis, Minnesota              Minneapolis, Minnesota
                                    Offerman & Company, Inc.,
                                      Minneapolis, Minnesota
MSB Holding Company,                To engage in leasing personal
  Moorhead, Iowa                      or real property
National Commerce Bancorporation,   Fleet One, L.L.C.,
  Memphis, Tennessee                  Nashville, Tennessee
Republic Bancorp Co.,               Republic Bank, of Chicago,
  Orland Park, Illinois               Darien, Illinois
Summitt Bank Corporation,           CashMart, Inc.,
  Atlanta, Georgia                    Atlanta, Georgia
Susquehanna Bancshares, Inc.,       Valley Forge Asset Management
  Philadelphia, Pennsylvania          Corporation,
                                      King of Prussia, Pennsylvania
                                    Valley Forge Investment
                                      Company Inc.,
                                      King of Prussia, Pennsylvania
UBS AG,                             Prediction Company LLC,
  Zurich, Switzerland                 Santa Fe, New Mexico
Wells Fargo & Company,              Billpoint, Inc.,
  San Francisco, California           San Jose, California

Section 3

Applicant(s)                          Reserve Bank    Effective Date

Baytree Bancorp, Inc.,                Chicago         February 29, 2000
  Chicago, Illinois
Branson Bancshares, Inc.,             St. Louis       March 2, 2000
  Branson, Missouri
Capitol Bancorp Ltd.,                 Chicago         March 10, 2000
  Lansing, Michigan
Sun Community Bancorp Limited,
  Phoenix, Arizona
Nevada Community Bancorp
  Limited,
  Las Vegas, Nevada
Capitol Bancorp Ltd.,                 Chicago         March 22, 2000
  Lansing, Michigan
Sun Community Bancorp Limited,
  Phoenix, Arizona
Sunrise Capital Corporation,
  Albuquerque, New Mexico
Central Financial Corporation,        Kansas City     March 9, 2000
  Hutchinson, Kansas
Concord Bancshares, Inc.,             St. Louis       February 29, 2000
  St. Louis, Missouri
Crown Bankshares, Inc.,               Minneapolis     March 22, 2000
  Eden Prairie, Minnesota
Davis Trust Financial Corporation,    Richmond        March 7, 2000
  Elkins, West Virginia
First Charter Corporation,            Richmond        March 20, 2000
  Concord, North Carolina
First Northern Community Bancorp,     San Francisco   March 8, 2000
  Dixon, California
The Leaders Group, Inc.,              Chicago         March 13, 2000
  Oak Brook, Illinois
Kane.Commerce Co.,                    Chicago         March 13, 2000
  Davenport, Iowa
Maries County Bancorp, Inc.,          St. Louis       March 2, 2000
  Vienna, Missouri
National Commerce Bancorporation,     St. Louis       February 28, 2000
  Memphis, Tennessee
New Mexico First Financial, Inc.,     Dallas          March 22, 2000
  Dover, Delaware
NorthStar Bancshares, Inc.,           Kansas City     March 1, 2000
  Riverside, Missouri
Ohio Legacy Corp.,                    Cleveland       February 29, 2000
  Wooster, Ohio
Omni Financial Services, Inc.,        Richmond        March 7, 2000
  Atlanta, Georgia
Park National Corporation,            Cleveland       March 6, 2000
  Newark, Ohio
Park National Corporation,            Cleveland       March 6, 2000
  Newark, Ohio
Premier Capital Corp.,                Kansas City     March 2, 2000
  Denver, Colorado
Scottsdale Bancorp,                   San Francisco   March 15, 2000
  Woodbury, Minnesota
Three Rivers Bancorp., Inc.,          Cleveland       March 20, 2000
  Monroeville, Pennsylvania
Vision Bancshares, Inc.,              Atlanta         March 7, 2000
  Gulf Shores, Alabama
Wells Fargo & Company,                San Francisco   March 15, 2000
  San Francisco, California

Section 4

Applicant(s)                          Reserve Bank    Effective Date

Bank of Montreal,                     Chicago         March 10, 2000
  Toronto, Ontario, Canada
Bankmont Financial Corp.,
  Chicago, Illinois
The Chase Manhattan Bank,             New York        March 17, 2000
  New York, New York
Chase Manhattan Bank Delaware,
  Wilmington, Delaware
Heartland Bancshares, Inc.,           Chicago         March 23, 2000
  Lenox, Iowa
Iowa State Bank Holding Company,      Chicago         March 3, 2000
  Des Moines, Iowa
Klein Financial, Inc.,                Minneapolis     February 29, 2000
  Chaska, Minnesota
Marquette Bancshares, Inc.,           Minneapolis     March 9, 2000
  Minneapolis, Minnesota
MSB Holding Company,                  Chicago         March 15, 2000
  Moorhead, Iowa
National Commerce Bancorporation,     St. Louis       February 28, 2000
  Memphis, Tennessee
Republic Bancorp Co.,                 Chicago         March 7, 2000
  Orland Park, Illinois
Summitt Bank Corporation,             Atlanta         March 1, 2000
  Atlanta, Georgia
Susquehanna Bancshares, Inc.,         Philadelphia    February 24, 2000
  Philadelphia, Pennsylvania
UBS AG,                               New York        March 17, 2000
  Zurich, Switzerland
Wells Fargo & Company,                San Francisco   March 7, 2000
  San Francisco, California