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)

The Bancorp.com, Inc.,              TB.com Bank,
  Wilmington, Delaware                Wilmington, Delaware
Bankoelwein, Inc.,                  Community Bank of Oelwein,
  Oelwein, Iowa                       Oelwein, Iowa
Castle Creek Capital Partners       State National Bancshares, Inc.,
  Fund IIa, LP,                       Lubbock, Texas
  Rancho Santa Fe, California
Castle Creek Capital Partners
  Fund IIb, LP,
  Rancho Santa Fe, California
Central Financial Corporation,      Premier Bancshares, Inc.,
  Hutchinson, Kansas                  Jefferson City, Missouri
Citizens Financial Corporation,     The Citizens State Bank of Cortez,
  Cortez, Colorado                    Cortez, Colorado
City Savings Bancshares, Inc.,      City Savings Bank & Trust Company,
  DeRidder, Louisiana                 DeRidder, Louisiana
CommerceFirst Bancorporation,       CommerceFirst Bank,
  Inc.,                               Annapolis, Maryland
  Annapolis, Maryland
Community Investment Group, Ltd.,   The Havana National Bank,
  Havana, Illinois                    Havana, Illinois
Cortez Investment Company,          Citizens Financial Corporation,
  Cortez, Colorado                    Cortez, Colorado
Downing Partnership, L.P.,          Ellis State Bank,
  Ellis, Kansas                       Ellis, Kansas
Eggemeyer Advisory Corp.,           Independent Bankshares, Inc.,
  Rancho Sante Fe, California         Abilene, Texas
WJR Corp.,                          First State Bank, N.A.,
  Rancho Santa Fe, California         Abilene, Texas
Castle Creek Capital, LLC,          State National Bancshares, Inc.,
  Ranch Santa Fe, California          Lubbock, Texas
Castle Creek Capital Partners
  Fund I, LP,
  Rancho Santa Fe, California
Castle Creek Capital Partners
  Fund IIa, LP,
  Rancho Santa Fe, California
Castle Creek Capital Partners
  Fund IIb, LP,
  Ranch Santa Fe, California
Eggemeyer Advisory Corp.,           State National Bancshares, Inc.,
  Rancho Sante Fe, California         Lubbock, Texas,
WJR Corp.,                          Castle Creek Capital Partners
  Rancho Santa Fe, California         Fund I, LP,
Castle Creek Capital, LLC,            Rancho Santa Fe, California
  Ranch Santa Fe, California        Castle Creek Capital Partners
                                      Fund IIa, LP,
                                      Rancho Santa Fe, California
                                    Castle Creek Capital Partners
                                      Fund IIb, LP,
                                      Rancho Santa Fe, California
Enterbank Holdings, Inc.,           Commercial Guaranty Bancshares,
  Clayton, Missouri                   Inc., Overland Park, Kansas
                                    The Capital Company,
                                      Overland Park, Kansas
eOneBanc Corp.,                     First Alliance Bank and Trust
  Manchester, New Hampshire           Company, Manchester,
                                      New Hampshire
Firstbank Corporation,              Firstbank-St. Johns,
  Alma, Michigan                      St. Johns, Michigan
First Banks, Inc.,                  Bank of Ventura,
  St. Louis, Missouri                 Ventura, California
First Central Bancshares, Inc.,     First Central Bank of Monroe
  Lenoir City, Tennessee              County, Sweetwater, Tennessee
First Security Group, Inc.,         First Central Bank of Monroe
  Chattanooga, Tennessee              County, Sweetwater, Tennessee
FNB Financial Services, Inc.,       FNB Lockney,
  Durant, Oklahoma                    Lockney, Texas
Frontier Financial Corporation,     Liberty Bay Financial Corporation,
  Everett, Washington                 Poulsbo, Washington
                                    North Sound Bank,
                                      Poulsbo, Washington
Home Town Banking Corporation,      Walton Bank & Trust Co.,
  Monroe, Georgia                     Monroe, Georgia
G.A.C., Inc.,                       Gateway National Bank of St. Louis,
  St. Louis, Missouri                 St. Louis, Missouri
Greater Bay Bancorp,                Bank of Santa Clara,
  Palo Alto, California               Santa Clara, California
Island Bancorp, Inc.,               The Edgartown National Bank,
  Edgartown, Massachusetts            Edgartown, Massachusetts
Keene Bancorp, Inc., 401(k)         Keene Bancorp, Inc.,
  Employee Stock Ownership Plan       Keene, Texas
  & Trust,
  Keene, Texas
Landmark Financial Group, Inc.,     Leland National Bancorp, Inc.,
  Belvidere, Illinois                 Leland, Illinois
                                    LNB National Bank,
                                      Leland, Illinois
Ledyard Bancorporation, Inc.,       State Bank of Ledyard, Iowa
  Ledyard, Iowa
Mahaska Investment Company          Mahaska Investment Company,
  ESOP,                               Oskaloosa, Iowa
  Oskaloosa, Iowa
Minnwest Corporation,               Minnwest Bank Sioux Falls,
  Minnetonka, Minnesota               Sioux Falls, South Dakota
Monmouth Community Bancorp,         Community Bancorp,
                                      Long Branch, New Jersey
                                    Monmouth Community Bank,
                                      Long Branch, New Jersey
Murphy-Payne Investments, Ltd.,     Carthage State Bancshares, Inc.,
  Tyler, Texas                        Carthage, Texas
NASB Shares, Inc.,                  North American State Bank,
  Belgrade, Minnesota                 Belgrade, Minnesota
                                    Borgerding Insurance Agency, Inc.,
                                      Belgrade, Minnesota
North Georgia Community Financial   North Georgia National Bank,
  Partners, Inc.                      Calhoun, Georgia
  Calhoun, Georgia
Northwest Bancorporation, Inc.,     Redstone Bancorporation, Inc.,
  Houston, Texas                      Houston, Texas
Pacific Capital Bancorp,            San Benito Bank,
  Santa Barbara, California           Hollister, California
Pacific Capital Bancorp,            Los Robles Bancorp,
  Santa Barbara, California           Thousand Oaks, California
                                    Los Robles Bank,
                                      Thousand Oaks, California
Popular, Inc.,                      Aurora National Bank,
  Hato Rey, Puerto Rico               Aurora, Illinois
Popular International Bank, Inc.,
  Hato Rey, Puerto Rico
Popular North America, Inc.,        Heritage Bancorp, Inc.,
  Mount Laurel, New Jersey            Hutto, Texas
Regions Financial Corporation,      Texas Heritage Bank,
  Birmingham, Alabama                 Hutto, Texas
SI Bancorp, Inc.,                   Savings Institute,
  Willimantic, Connecticut            Willimantic, Connecticut
Speed Bankshares, L.P.,             Great Southern Capital Corporation,
  Meridian, Mississippi               Meridian, Mississippi
The State Bank Hoxie Employee       Prairie State Bancshares,
  Stock Ownership Plan,               Hoxie, Kansas
  Hoxie, Kansas
State National Bancshares, Inc.     Independent Bankshares, Inc.,
  Lubbock, Texas                      Abilene, Texas
Sterling Financial Corporation,     Hanover Bancorp, Inc.,
  Lancaster, Pennsylvania             Hanover, Pennsylvania
Synovus Financial Corp.,            Pointpathbank, N.A.,
  Columbus, Georgia                   Columbus, Georgia
Three Rivers Bankshares, Inc.,      Fort Gibson Bancshares, Inc.,
  Fort Gibson, Oklahoma               Fort Gibson, Oklahoma
Union Bancshares, MHC,              USB Bankshares, Inc.,
  Freeport, Illinois                  Freeport, Illinois
                                    Union Savings Bank,
                                      Freeport, Illinois
USB Bankshares, Inc.,               Union Savings Bank,
  Freeport, Illinois                  Freeport, Illinois
Vail Banks, Inc.,                   Estes Bank Corporation,
  Vail, Colorado                      Estes Park, Colorado
Valley Capital Corporation,         State Capital Corporation,
  Greenwood, Mississippi              Brookhaven, Mississippi
                                    State Bank and Trust Company,
                                      Brookhaven, Mississippi
Wells Fargo & Co.,                  1st Choice Financial Corp.,
  San Francisco, California           Greeley, Colorado
                                    1st Choice Bank,
                                      Greeley, Colorado
Wyoming National Bancorporation,    Wyoming National Bank,
  Inc.,                               Riverton, Wyoming
  Riverton, Wyoming

Applicant(s)                        Reserve Bank    Effective Date

The Bancorp.com, Inc.,              Philadelphia    May 22, 2000
  Wilmington, Delaware
Bankoelwein, Inc.,                  Chicago         June 15, 2000
  Oelwein, Iowa
Castle Creek Capital Partners       San Francisco   June 14, 2000
  Fund IIa, LP,
  Rancho Santa Fe, California
Castle Creek Capital Partners
  Fund IIb, LP,
  Rancho Santa Fe, California
Central Financial Corporation,      Kansas City     June 21, 2000
  Hutchinson, Kansas
Citizens Financial Corporation,     Kansas City     June 6, 2000
  Cortez, Colorado
City Savings Bancshares, Inc.,      Atlanta         June 12, 2000
  DeRidder, Louisiana
CommerceFirst Bancorporation,       Richmond        June 2, 2000
  Inc.,
  Annapolis, Maryland
Community Investment Group, Ltd.,   Chicago         June 7, 2000
  Havana, Illinois
Cortez Investment Company,          Kansas City     June 6, 2000
  Cortez, Colorado
Downing Parmership, L.P.,           Kansas City     June 21, 2000
  Ellis, Kansas
Eggemeyer Advisory Corp.,           San Francisco   June 14, 2000
  Rancho Sante Fe, California
WJR Corp.,
  Rancho Santa Fe, California
Castle Creek Capital, LLC,
  Ranch Santa Fe, California
Castle Creek Capital Partners
  Fund I, LP,
  Rancho Santa Fe, California
Castle Creek Capital Partners
  Fund IIa, LP,
  Rancho Santa Fe, California
Castle Creek Capital Partners
  Fund IIb, LP,
  Ranch Santa Fe, California
Eggemeyer Advisory Corp.,           San Francisco   June 14, 2000
  Rancho Sante Fe, California
WJR Corp.,
  Rancho Santa Fe, California
Castle Creek Capital, LLC,
  Ranch Santa Fe, California

Enterbank Holdings, Inc.,           St. Louis       June 5, 2000
  Clayton, Missouri

eOneBanc Corp.,                     Boston          May 25, 2000
  Manchester, New Hampshire

Firstbank Corporation,              Chicago         May 26, 2000
  Alma, Michigan
First Banks, Inc.,                  St. Louis       June 5, 2000
  St. Louis, Missouri
First Central Bancshares, Inc.,     Atlanta         June 9, 2000
  Lenoir City, Tennessee
First Security Group, Inc.,         Atlanta         June 9, 2000
  Chattanooga, Tennessee
FNB Financial Services, Inc.,       Kansas City     May 31, 2000
  Durant, Oklahoma
Frontier Financial Corporation,     San Francisco   May 24, 2000
  Everett, Washington

Home Town Banking Corporation,      Atlanta         June 7, 2000
  Monroe, Georgia
G.A.C., Inc.,                       St. Louis       June 5, 2000
  St. Louis, Missouri
Greater Bay Bancorp,                San Francisco   June 14, 2000
  Palo Alto, California
Island Bancorp, Inc.,               Boston          May 25, 2000
  Edgartown, Massachusetts
Keene Bancorp, Inc., 401(k)         Dallas          May 1, 2000
  Employee Stock Ownership Plan
  & Trust,
  Keene, Texas
Landmark Financial Group, Inc.,     Chicago         June 7, 2000
  Belvidere, Illinois

Ledyard Bancorporation, Inc.,       Chicago         June 8, 2000
  Ledyard, Iowa
Mahaska Investment Company          Chicago         June 2, 2000
  ESOP,
  Oskaloosa, Iowa
Minnwest Corporation,               Minneapolis     June 12, 2000
  Minnetonka, Minnesota
Monmouth Community Bancorp,         New York        May 31, 2000

Murphy-Payne Investments, Ltd.,     Dallas          June 6, 2000
  Tyler, Texas
NASB Shares, Inc.,                  Minneapolis     June 7, 2000
  Belgrade, Minnesota

North Georgia Community Financial   Atlanta         June 5, 2000
  Partners, Inc.
  Calhoun, Georgia
Northwest Bancorporation, Inc.,     Dallas          June 20, 2000
  Houston, Texas
Pacific Capital Bancorp,            San Francisco   June 12, 2000
  Santa Barbara, California
Pacific Capital Bancorp,            San Francisco   June 12, 2000
  Santa Barbara, California

Popular, Inc.,                      New York        June 6, 2000
  Hato Rey, Puerto Rico
Popular International Bank, Inc.,
  Hato Rey, Puerto Rico
Popular North America, Inc.,        Atlanta         June 19, 2000
  Mount Laurel, New Jersey
Regions Financial Corporation,
  Birmingham, Alabama
SI Bancorp, Inc.,                   Boston          May 30, 2000
  Willimantic, Connecticut
Speed Bankshares, L.P.,             Atlanta         June 2, 2000
  Meridian, Mississippi
The State Bank Hoxie Employee       Kansas City     June 7, 2000
  Stock Ownership Plan,
  Hoxie, Kansas
State National Bancshares, Inc.     Dallas          June 15, 2000
  Lubbock, Texas
Sterling Financial Corporation,     Philadelphia    June 8, 2000
  Lancaster, Pennsylvania
Synovus Financial Corp.,            Atlanta         June 6, 2000
  Columbus, Georgia
Three Rivers Bankshares, Inc.,      Kansas City     June 15, 2000
  Fort Gibson, Oklahoma
Union Bancshares, MHC,              Chicago         June 14, 2000
  Freeport, Illinois

USB Bankshares, Inc.,               Chicago         June 14, 2000
  Freeport, Illinois
Vail Banks, Inc.,                   Kansas City     June 5, 2000
  Vail, Colorado
Valley Capital Corporation,         St. Louis       June 20, 2000
  Greenwood, Mississippi

Wells Fargo & Co.,                  San Francisco   May 24, 2000
  San Francisco, California

Wyoming National Bancorporation,    Kansas City     June 7, 2000
  Inc.,
  Riverton, Wyoming
Section 4

Applicant(s)                        Nonbanking Activity/Company

Area Bancshares Corporation,        Area Trust Company,
  Owensboro, Kentucky                 Owensboro, Kentucky
First State Bancshares, Inc.,       LexBanc Corporation,
  Middlesboro, Kentucky               Lexington, Kentucky
                                    Lexington, Bank, FSB,
                                      Lexington, Kentucky
Heartland Bancshares, Inc.,         Union Small Business Alliance,
  Lenox, Iowa                         Inc., Lenox, Iowa
Lima Bancshares, Inc.,              East Dubuque Bancshares, Inc.,
  Lima, Illinois                      East Dubuque, Illinois
                                    East Dubuque Savings Bank,
                                      East Dubuque, Illinois
National Bank of Greece, S.A.,      Newbrook Group LLC,
  Athens, Greece                      London, England
NBG International Limited,          Newbrook Group LLC,
  London, England                     London, England
                                    Newbrook Capital Management, Inc.,
                                      London, England
                                    Newbrook Capital Management LLC,
                                      London, England
                                    Newbrook Securities LLC,
                                      London, England
National Commerce Bancorporation,   FMT Holding Company,
  Memphis, Tennessee                  Memphis, Tennessee
                                    First Mercantile Trust Company,
                                      Memphis, Tennessee
                                    Central Trust Co.,
                                      Memphis, Tennessee
                                    FMT Technologies Co.,
                                      Memphis Tennessee
                                    First Mercantile Capital
                                      Management, Inc.,
                                      Memphis, Tennessee
                                    First Merc.com,
                                      Memphis, Tennessee
Private Bancorp, Inc.,              The PrivateBank,
  Chicago, Illinois                   St. Louis, Missouri
SVB&T Corporation,                  Independent Bankers Life
  French Lick, Indiana                Reinsurance Company of Indiana,
                                      Ltd., Phoenix, Arizona
Washington Trust Bancorp, Inc.,     Phoenix Investment Management
  Westerly, Rhode Island              Company, Inc.,
                                      Providence, Rhode Island

Applicant(s)                        Reserve Bank   Effective Date

Area Bancshares Corporation,        St. Louis      June 6, 2000
  Owensboro, Kentucky
First State Bancshares, Inc.,       Cleveland      June 9, 2000
  Middlesboro, Kentucky

Heartland Bancshares, Inc.,         Chicago        June 15, 2000
  Lenox, Iowa
Lima Bancshares, Inc.,              St. Louis      June 14, 2000
  Lima, Illinois

National Bank of Greece, S.A.,      New York       June 20, 2000
  Athens, Greece
NBG International Limited,
  London, England

National Commerce Bancorporation,   St. Louis      June 20, 2000
  Memphis, Tennessee

Private Bancorp, Inc.,              Chicago        June 14, 2000
  Chicago, Illinois
SVB&T Corporation,                  St. Louis      June 15, 2000
  French Lick, Indiana

Washington Trust Bancorp, Inc.,     Boston         June 2, 2000
  Westerly, Rhode Island