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)            Reserve Bank    Effective Date

Alabama National   Peoples State      Atlanta         November 21, 2000
  Ban-               Bank of
  Corporation,       Groveland,
  Birmingham,        Groveland,
  Alabama            Florida
Carolina Bank      Carolina Bank,     Richmond        October 27, 2000
  Holdings,          Greensboro,
  Inc.,              North Carolina
  Greensboro,
  North Carolina
Charter            Charter Bank,      San Francisco   November 8, 2000
  Financial          Bellevue,
  Corporation,       Washington
  Bellevue,
  Washington
Community          Colfax Banking     Dallas          November 17, 2000
  Bancshares         Company,
  Company,           Colfax,
  Colfax,            Louisiana
  Louisiana
ENB Bankshares,    Eagle National     Dallas          November 17, 2000
  Inc.,              Bank,
  Dallas, Texas      Dallas, Texas
ENB Delaware
  Bankshares,
  Inc.,
  Wilmington,
  Delaware
Eureka Springs     Bank of Eureka     St. Louis       October 27, 2000
  Bancshares,        Springs,
  Inc.,              Eureka
  Eureka             Springs,
  Springs,           Arkansas
  Arkansas
First Community    First Community    Dallas          October 25, 2000
  Capital            Bank, N.A.,
  Corporation,       Houston, Texas
  Houston, Texas
First Community
  Capital
  Corporation of
  Delaware,
  Inc.,
  Wilmington,
  Delaware
First Olathe       Bannister Bank &   Kansas City     November 16, 2000
  Bancshares,        Trust,
  Inc.,              Kansas City,
  Kansas City,       Missouri
  Missouri
FNB Corporation,   CNB Holdings,      Richmond        November 20, 2000
  Christians-        Inc.,
  burg, Virginia     Pulaski,
                     Virginia
Heritage           Heritage Bank of   Atlanta         October 30, 2000
  Bancshares,        North Florida,
  Inc.,              Orange Park,
  Orange Park,       Florida
  Florida
Inter-Mountain     Chouteau County    Minneapolis     November 2, 2000
  Bancorp, Inc.,     Bancshares,
  Bozeman,           Inc.,
  Montana            Fort Benton,
                     Montana
                   First State Bank
                     of Fort
                     Benton,
                     Fort Benton,
                     Montana
JDOB, Inc.,        First National     Minneapolis     November 17, 2000
  Sandstone,         Bank of
  Minnesota          Hinckley,
                     Hinckley,
                     Minnesota
Marathon           Rockingham         Richmond        November 3, 2000
  Financial          Heritage Bank,
  Corporation,       Harrisonburg,
  Winchester,        Virginia
  Virginia
National Penn      Community          Philadelphia    November 3, 2000
  Bancshares,        Independent
  Inc.,              Bank, Inc.,
  Boyertown,         Bernville,
  Pennsylvania       Pennsylvania
Northfield MHC     Northfield         Boston          November 14, 2000
  (Mutual            Savings Bank,
  Holding            Northfield,
  Company),          Vermont
  Northfield,
  Vermont
Northfield
  Bancorp, Inc.
  (Stock
  Holding
  Company),
  Northfield,
  Vermont
Peterstown         The First          Richmond        November 7, 2000
  Bancorp, Inc.,     National Bank
  Peterstown,        of Peterstown,
  West Virginia      Peterstown,
                     West Virginia
The PNC            PNC Converted      Cleveland       November 9, 2000
  Financial          Bank, National
  Services           Association,
  Group, Inc.,       Pittsburgh,
  Pittsburgh,        Pennsylvania
  Pennsylvania
Red Level          The Peoples Bank   Atlanta         November 13, 2000
  Financial          of Red Level,
  Corporation,       Red Level,
  Red Level,         Alabama
  Alabama
Regional           Hartsville         Richmond        November 17, 2000
  Bankshares,        Community
  Inc.,              Bank, National
  Hartsville,        Association,
  South Carolina     Hartsville,
                     South Carolina
Routt County       First National     Kansas City     October 30, 2000
  Bancorpora-        Bank of
  tion, Inc.,        Steamboat
  Steamboat          Springs,
  Springs,           Steamboat
  Colorado           Springs,
                     Colorado
Shore              Talbot             Richmond        October 27, 2000
  Bancshares,        Bancshares,
  Inc.,              Inc.,
  Centreville,       Easton,
  Maryland           Maryland
Somerset Hills     The Bank of the    New York        November 8, 2000
  Bancorp,           Somerset
  Bernardsville,     Hills,
  New Jersey         Bernardsville,
                     New Jersey
Stockman           Marquette Bank     Minneapolis     November 1, 2000
  Financial          Montana,
  Corporation,       National
  Miles City,        Association,
  Montana            Conrad,
                     Montana
Sun Bancshares,    SunBank, N.A.,     Richmond        October 31, 2000
  Inc.,              Murrells
  Murrells           Inlet,
  Inlet,             South Carolina
  South Carolina
Wilber Co.,        Nebraska Land      Kansas City     November 22, 2000
  Wilber,            Financial
  Nebraska           Services,
                     Inc.,
                     North Platte,
                     Nebraska

Section 4

Applicant(s)       Nonbanking         Reserve Bank    Effective Date
                   Activity/Company

BB&T               FirstSpartan       Richmond        November 17, 2000
  Corporation,       Financial
  Winston-Salem,     Corp.,
  North Carolina     Spartanburg,
                     South Carolina
Citco Community    Twin City          Atlanta         November 2, 2000
  Bancshares,        Bancorp, Inc.,
  Inc.,              Bristol,
  Elizabethton,      Tennessee
  Tennessee        Twin City
                     Federal
                     Savings Bank,
                     Bristol,
                     Tennessee
Fifth Third        Ottawa Financial   Cleveland       November 10, 2000
  Bancorp,           Corporation,
  Cincinnati,        Holland,
  Ohio               Michigan
                   AmeriBank,
                     Holland,
                     Michigan
First National     Saline State       Kansas City     November 1, 2000
  Johnson            Insurance
  Bancshares,        Agency,
  Inc.,              L.L.C.,
  Johnson,           Wilber,
  Nebraska           Nebraska
FNB Corporation,   SWVA Bancshares,   Richmond        November 10, 2000
  Christians-        Inc., Roanoke,
  burg, Virginia     Virginia
Marshall and       M&I Community      Chicago         November 3, 2000
  Ilsley             Development
  Corporation,       Corporation,
  Milwaukee,         Milwaukee,
  Wisconsin          Wisconsin
Royal Bank of      Harris Trust and   New York        November 16, 2000
  Canada,            Savings Bank,
  Toronto,           Chicago,
  Canada             Illinois
                   Bank of
                     Montreal,
                     Montreal,
                     Canada
Wausa Banshares,   KLS Insurance,     Kansas City     November 8, 2000
  Inc.,              Bloomfield,
  Wausa,             Nebraska
  Nebraska

Sections 3 and 4

Applicant(s)       Nonbanking         Reserve Bank    Effective Date
                   Activity/Company

BB&T               BankFirst          Richmond        November 2, 2000
  Corporation,       Corporation,
  Winston-Salem,     Knoxville,
  North Carolina     Tennessee
Guaranty           Bank Capital       Kansas City     October 26, 2000
  Corporation,       Corporation,
  Denver,            Strasburg,
  Colorado           Colorado
                   First National
                     Bank of
                     Strasburg,
                     Strasburg,
                     Colorado
                   Collegiate Peaks
                     Bancorpora-
                     tion,
                     Strasburg,
                     Colorado
                   Collegiate Peaks
                     Bank,
                     Buena Vista,
                     Colorado
                   Bank Capital
                     Mortgage, LLC,
                     Strasburg,
                     Colorado
Sturm Financial    Sturm Banks of     Kansas City     November 1, 2000
  Group, Inc.,       Colorado,
  Denver,            Inc.,
  Colorado           Denver,
                     Colorado
                   Sturm Banks of
                     Wyoming, Inc.,
                     Denver,
                     Colorado
                   Sturm Banks of
                     Kansas City,
                     Inc.,
                     Denver,
                     Colorado
                   Community First
                     Data Services,
                     Inc.,
                     Cheyenne,
                     Wyoming
Whitney Holding    Prattville         Atlanta         November 21, 2000
  Corporation,       Financial
  New Orleans,       Services
  Louisiana          Corporation,
                     Prattville,
                     Alabama
                   Bank of
                     Prattville,
                     Prattville,
                     Alabama
                   Key Finance
                     Company of
                     Prattville,
                     Prattville,
                     Alabama