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)

Capitol Bancorp Ltd.,                 Goshen Community Bank,
  Lansing, Michigan                     Goshen, Indiana
Indiana Community Bancorp
  Limited,
  Elkhart, Indiana
Cardinal Financial Corporation,       Heritage Bancorp, Inc.,
  Fairfax, Virginia                     McLean, Virginia
                                      The Heritage Bank,
                                        McLean, Virginia
CBCT Bancshares, Inc.,                Community Bank of Central
  Baltimore, Maryland                   Texas, SSB,
                                        Smithville, Texas
Citizens Bancshares, Inc.,            Citizens Bank-Wakula,
  Crawfordville, Florida                Crawfordville, Florida
Commfirst Bancorporation, Inc.,       Robuck Inc.,
  South Sioux City, Nebraska            South Sioux City, Nebraska
CorTrust Bank National                The First Freeman Corporation,
  Association,                          Freeman, South Dakota
  Mitchell, South Dakota              The First National Bank of
                                        Freeman, Freeman, South
                                        Dakota
Cumberland Bancshares, Inc.,          Academy Bank,
  Hartsville, Tennessee                 Lebanon, Tennessee
Dacotah Banks, Inc.,                  Bowbells Holding Company,
  Aberdeen, South Dakota                Bowbells, North Dakota
                                      First National Bank,
                                        Bowbells, North Dakota
The EastBank Corporation,             EastBank,
  Minneapolis, Minnesota                Minneapolis, Minnesota
FCB Financial, Inc.,                  First Commercial Bank of
  Tampa, Florida                        Tampa, Tampa, Florida
First Home Bancorp, Inc.,             First Home Bank,
  Seminole, Florida                     Seminole, Florida
First Rainsville Bancshares, Inc.     First Rainsville Bancshares,
  Employee Stock Ownership Plan,        Rainsville, Alabama
  Rainsville, Alabama                 First Bank of the South,
                                        Rainsville, Alabama
First-West Texas Bancshares, Inc.,    First Pecos Bancshares, Inc.,
  Midland, Texas                        Midland, Texas
FMB Equibanc, Inc.,                   Farmers and Merchants Bank,
  Statesboro, Georgia                   Statesboro, Georgia
Grant County State Bancshares, Inc.   Grant County State Bancshares,
  Employees Stock Ownership             Inc., Swayzee, Indiana
  Plan,
  Swayzee, Indiana
Heritage Commerce Corp,               Western Holdings Bancorp,
  San Jose, California                  Los Altos, California
                                      Bank of Los Altos,
                                        Los Altos, California
Hopkins Financial Corporation,        The First Freeman Corporation,
  Mitchell, South Dakota                Freeman, South Dakota
                                      The First National Bank of
                                        Freeman, Freeman, South
                                        Dakota
Integrity Bancshares, Inc.,           Integrity Bank,
  Alpharetta, Georgia                   Alpharetta, Georgia
The Jack and Katherine Dickey         First Farm Credit Corporation,
  Family Limited Partnership,           Custer, Oklahoma
  Weatherford, Oklahoma               Southwest Capital, L.L.C.,
                                        Weatherford, Oklahoma
Maham Beteiligungsgesellschaft        Habib American Bank,
  AG,                                   New York, New York
  Zurich, Switzerland
Pilot Grove Savings Bank Employee     Farmers Savings Bank,
  Stock Ownership Plan,                 Mount Pleasant, Iowa
  Pilot Grove, Iowa
Pilot Bancorp, Inc.,
  Pilot Grove, Iowa

Valley National Bancorp,              Shrewsbury Bancorp, Inc.,
  Wayne, New Jersey                     Shrewsbury, New Jersey
                                      Shrewsbury State Bank,
                                        Shrewsbury, New Jersey

Section 4

Applicant(s)                          Nonbanking Activity/Company

Admiral Family Banks, Inc.,           To continue to engage in
  Alsip, Illinois                       leasing activities
Chambers Bancshares, Inc.,            To engage de novo in extending
  Danville, Arkansas                    credit and servicing loans
Lizton Financial Corporation,         Independent Bankers Life
  Lizton, Indiana                       Reinsurance Company of
                                        Indiana Ltd., Turks and
                                        Caicos Islands
The Northern Trust Corporation,       The Northern Trust Company,
  Chicago, Illinois                     Chicago, Illinois
                                      Key Bank Tax Credit Investment
                                        Partners,
                                        Cleveland, Ohio
Pierce County Bancorp,                Olympic Equities Corporation,
  Tacoma, Washington                    Puyallup, Washington
Olympic Equities Corporation,
  Puyallup, Washington
Southern Financial Bancorp, Inc.,     First Savings Bank of
  Warrenton, Virginia                   Virginia, Springfield,
                                        Virginia

Sections 3 and 4

Applicant(s)                          Nonbanking Activity/Company

M&T Bank Corporation,                 Keystone Financial Inc.,
  Buffalo, New York                     Harrisburg, Pennsylvania
Olympia Financial Corporation,        Keystone Financial Bank, N.A.,

  Buffalo, New York                     Harrisburg, Pennsylvania

Section 3

Applicant(s)                          Reserve Bank    Effective Date

Capitol Bancorp Ltd.,                 Chicago         August 14, 2000
  Lansing, Michigan
Indiana Community Bancorp
  Limited,
  Elkhart, Indiana
Cardinal Financial Corporation,       Richmond        August 2, 2000
  Fairfax, Virginia
CBCT Bancshares, Inc.,                Dallas          August 8, 2000
  Baltimore, Maryland
Citizens Bancshares, Inc.,            Atlanta         August 16, 2000
  Crawfordville, Florida
Commfirst Bancorporation, Inc.,       Kansas City     August 3, 2000
  South Sioux City, Nebraska
CorTrust Bank National                Minneapolis     August 10, 2000
  Association,
  Mitchell, South Dakota
Cumberland Bancshares, Inc.,          Atlanta         August 4, 2000
  Hartsville, Tennessee
Dacotah Banks, Inc.,                  Minneapolis     August 16, 2000
  Aberdeen, South Dakota
The EastBank Corporation,             Minneapolis     August 9, 2000
  Minneapolis, Minnesota
FCB Financial, Inc.,                  Atlanta         August 4, 2000
  Tampa, Florida
First Home Bancorp, Inc.,             Atlanta         August 14, 2000
  Seminole, Florida
First Rainsville Bancshares, Inc.     Atlanta         August 11, 2000
  Employee Stock Ownership Plan,
  Rainsville, Alabama
First-West Texas Bancshares, Inc.,    Dallas          August 2, 2000
  Midland, Texas
FMB Equibanc, Inc.,                   Atlanta         July 28, 2000
  Statesboro, Georgia
Grant County State Bancshares, Inc.   Chicago         August 3, 2000
  Employees Stock Ownership
  Plan,
  Swayzee, Indiana
Heritage Commerce Corp,               San Francisco   August 10, 2000
  San Jose, California
Hopkins Financial Corporation,        Minneapolis     August 10, 2000
  Mitchell, South Dakota
Integrity Bancshares, Inc.,           Atlanta         August 17, 2000
  Alpharetta, Georgia
The Jack and Katherine Dickey         Kansas City     August 4, 2000
  Family Limited Partnership,
  Weatherford, Oklahoma
Maham Beteiligungsgesellschaft        New York        August 10, 2000
  AG,
  Zurich, Switzerland
Pilot Grove Savings Bank Employee     Chicago         July 25, 2000
  Stock Ownership Plan,
  Pilot Grove, Iowa
Pilot Bancorp, Inc.,
  Pilot Grove, Iowa
Valley National Bancorp,              New York        August 2, 2000
  Wayne, New Jersey

Section 4

Applicant(s)                          Reserve Bank    Effective Date

Admiral Family Banks, Inc.,           Kansas City     August 3, 2000
  Alsip, Illinois
Chambers Bancshares, Inc.,            St. Louis       August 7, 2000
  Danville, Arkansas
Lizton Financial Corporation,         Chicago         July 26, 2000
  Lizton, Indiana
The Northern Trust Corporation,       Chicago         August 3, 2000
  Chicago, Illinois
Pierce County Bancorp,                San Francisco   August 4, 2000
  Tacoma, Washington
Olympic Equities Corporation,
  Puyallup, Washington
Southern Financial Bancorp, Inc.,     Richmond        August 2, 2000
  Warrenton, Virginia

Sections 3 and 4

Applicant(s)                          Reserve Bank    Effective Date

M&T Bank Corporation,                 New York        August 7, 2000
  Buffalo, New York
Olympia Financial Corporation,
  Buffalo, New York