APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY ACT: By the Secretary of the Board.

APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY ACT
By the Secretary of the Board

Recent applications have been approved by the Secretary of the Board
as listed below. Copies are available upon request to the Freedom of
Information Office, Office of the Secretary, Board of Governors of
the Federal Reserve System, Washington, D.C. 20551.

Section 3

Applicant(s)                       Bank(s)

FNB Corp.,                         Carolina Fincorp, Inc.,
  Asheboro, North Carolina           Rockingham, North Carolina
                                   Richmond Savings Bank, Inc., SSB,
                                     Rockingham, North Carolina

Section 4

Applicant(s)                       Bank(s)

Bank of America Corporation,       Star Systems, Inc.,
  Charlotte, North Carolina          Maitland, Florida
BancWest Corporation,              Bank Network Securities,
  Honolulu, Hawaii                   Chicago, Illinois
BB&T Corporation,
  Winston-Salem, North Carolina
First Union Corporation,
  Charlotte, North Carolina
SunTrust Banks, Inc.,
  Atlanta, Georgia
Wachovia Corporation,
  Winston-Salem, North Carolina
Zions Bancorporation,
  Salt Lake City, Utah

Section 3

Applicant(s)                       Effective Date

FNB Corp.,                         February 23, 2000
  Asheboro, North Carolina

Section 4

Applicant(s)                       Effective Date

Bank of America Corporation,       February 18, 2000
  Charlotte, North Carolina
BancWest Corporation,
  Honolulu, Hawaii
BB&T Corporation,
  Winston-Salem, North Carolina
First Union Corporation,
  Charlotte, North Carolina
SunTrust Banks, Inc.,
  Atlanta, Georgia
Wachovia Corporation,
  Winston-Salem, North Carolina
Zions Bancorporation,
  Salt Lake City, Utah