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)

Bank of America Corporation,        Bank of America Oregon, National
  Charlotte, North Carolina           Association,
N B Holdings Corporation,             Portland, Oregon
  Charlotte, North Carolina
BB&T Corporation,                   First Banking Company of
  Winston-Salem, North Carolina       Southeast Georgia,
                                      Statesboro, Georgia
BB&T Corporation,                   Hardwick Holding Company,
  Winston-Salem, North Carolina       Dalton, Georgia
Calvert Financial Corporation,      Bunceton State Bank,
  Jefferson City, Missouri            Bunceton, Missouri
Castle Creek Capital Partners       First Community Bancorp,
  Fund I, LP,                         Rancho Santa Fe, California
  Rancho 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
Castle Creek Capital LLC,
  Rancho Santa Fe, California
WJR Inc.,
  Rancho Santa Fe, California
Eggemeyer Advisory Inc.,
  Rancho Santa Fe, California
Centerstate Banks of Florida,       First National Bank of Osceola
  Inc., Winter Haven, Florida         County, Kissimmee, Florida
                                    Community National Bank of Pacso
                                      County,
                                      Zephyrhills, Florida
                                    First National Bank of Polk
                                      County, Winter Haven, Florida
Centra Financial Holdings, Inc.,    Centra Bank, Inc.,
  Morgantown, West Virginia           Morgantown, West Virginia
Century South Banks, Inc.,          Lanier Bankshares, Inc.,
  Dahlonega, Georgia                  Gainesville, Georgia
                                    Lanier National Bank,
                                      Gainesville, Georgia
Columbia Bancorp,                   Suburban Bancshares, Inc.,
  Columbia, Maryland                  Greenbelt, Maryland
Commonwealth Bancshares, Inc.,      Commonwealth Financial
  Shelbyville, Kentucky               Corporation, Louisville,
                                      Kentucky
                                    Commonwealth Bank and Trust
                                      Company,
                                      Louisville, Kentucky
F&A Financial Holding Company,      F&A Financial Corporation,
  Kittanning, Pennsylvania            Kittanning, Pennsylvania
First Community Bancorp,            Rancho Santa Fe National Bank,
  Rancho Santa Fe, California         Rancho Santa Fe, California
                                    First Community Bank of the
                                      Desert, Indian Wells,
                                      California
First Mountain Company KSOP         First Mountain Company,
  Plan,                               Montrose, Colorado
  Montrose, Colorado
Gold Banc Corporation, Inc.,        CountryBanc Holding Company,
  Leawood, Kansas                     Edmond, Oklahoma
Gold Banc Acquisition Corporation
  XII, Inc.,
  Leawood, Kansas
HSB Bancorp, Inc.,                  Hebron Savings Bank,
  Hebron, Maryland                    Hebron, Maryland
Lewisville Bancorp, Inc.,           Madison Lake Bancorporation,
  Lewisville, Minnesota               Inc., Madison Lake, Minnesota
Van Deusen Bancorp, Inc.,           Peoples State Bank of Madison
  Lewisville, Minnesota               Lake, Madison Lake, Minnesota
Mesquite Financial Services,        Falfurrias State Bank,
  Inc., Alice, Texas                  Falfurrias, Texas
Midland Bancshares, Inc.,           Community National Bank,
  Midland, Texas                      Midland, Texas
National Commerce Bancorporation,   First National Bank,
  Memphis, Tennessee                  Lenoir City, Tennessee
NBG Bancorp, Inc.,                  The National Bank of Georgia,
  Athens, Georgia                     Athens, Georgia
Northern Missouri Bancshares,       First National Bancshares of
  Inc., Unionville Missouri           Gallatin, Inc.,
                                      Gallatin, Missouri
Pacific Mercantile Bancorp,         Pacific Mercantile Bank,
  Newport Beach, California           Newport Beach, California
Port Financial Corp.,               Cambridgeport Bank,
  Cambridge, Massachusetts            Cambridge, Massachusetts
                                    Cambridge Bancorp,
                                      Cambridge, Massachusetts
Wells Fargo & Company,              Napa National Bancorp,
  San Francisco, California           Napa, California
                                    Napa National Bank,
                                      Napa, California
Wewahitchka State Bank Employee     Gulf Coast Bancshares, Inc.,
  Stock Ownership Plan,               Wewahitchka, Florida
  Wewahitchka, Florida              Wewahitchka State Bank,
                                      Wewahitchka, Florida

Section 4

Applicant(s)                        Nonbanking Activity/Company

Barclays plc,                       Identrus, LLC,
  London, England                     New York, New York
Barclays Bank plc,
  London, England
Berkshire Bancorp Inc.,             To engage de novo in certain
  New York, New York                  credit card authorization
                                      and credit card processing
                                      activities
Central Progressive Bancshares,     To engage de novo in making,
  Inc.,                               brokering, or servicing
  Hammond, Louisiana                  loans or other extensions
                                      of credit
Citizens Bankshares, Inc.,          Citizens Bank of Farmington,
  Farmington, New Mexico              Farmington, New Mexico
Dakota Bancshares, Inc.,            American State Insurance
  Mendota Heights, Minnesota          Agency, Inc., Olivia,
                                      Minnesota
Olivia Bancorporation, Inc.,
  Olivia, Minnesota
Deutsche Bank AG,                   Keyboard Acceptance Corporation,
  Frankfurt, Germany                  Mason, Ohio
Deutsche Financial Services,        Signature Leasing Company,
  Inc., St. Louis, Missouri           Mason, Ohio
Deutsche Bank AG,                   InterSec Research Corporation,
  Frankfurt, Germany                  Stamford, Connecticut
German American Capital
  Corporation,
  New York, New York
Exchange Bankshares, Inc.,          Exchange Insurance Agency, Inc.,
  Milledgeville, Georgia              Gray, Georgia
First Farmers Financial
  Corporation, Converse, Indiana
Independent Bankers Life
  Reinsurance Company of Indiana
  Ltd., Turks and Caicos Islands
First Western Bancorp, Inc.,        Kendall Insurance,
  Huron, South Dakota                 Lead, South Dakota
                                    Ellis Insurance,
                                      Lead, South Dakota
Indiana United Bancorp,             IUB Reinsurance Co., Ltd.,
  Greensburg, Indiana                 Greensburg, Indiana
Intervest Bancshares Corporation,   Intervest Corporation of New
  New York, New York                  York, New York, New York
Societe Generale,                   IMP. COM, Inc.,
  Paris, France                       New York, New York
Societe Generale Investment
  Corporation,
  New York, New York

Sections 3 and 4

Applicant(s)                        Nonbanking Activity/Company

Bank of Whitman Employee Stock      Whitman Bancorporation, Inc.,
  Ownership Plan,                     Colfax, Washington
  Colfax, Washington                Bank of Whitman,
                                      Colfax, Washington
                                    B.O.W.F.I., Inc.,
                                      Colfax, Washington
Zumbrota Agency, Inc.,              Tri County Investment Company,
  Zumbrota, Minnesota                 Inc., Pine Island, Minnesota
Pine Island Bancshares, Inc.,
  Zumbrota, Minnesota

Section 3

Applicant(s)                        Reserve Bank     Effective Date

Bank of America Corporation,        Richmond         January 25, 2000
  Charlotte, North Carolina
N B Holdings Corporation,
  Charlotte, North Carolina
BB&T Corporation,                   Richmond         February 25, 2000
  Winston-Salem, North Carolina
BB&T Corporation,                   Richmond         February 24, 2000
  Winston-Salem, North Carolina
Calvert Financial Corporation,      Kansas City      February 2, 2000
  Jefferson City, Missouri
Castle Creek Capital Partners       San Francisco    February 23, 2000
  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,
  Rancho Santa Fe, California
Castle Creek Capital LLC,
  Rancho Santa Fe, California
WJR Inc.,
  Rancho Santa Fe, California
Eggemeyer Advisory Inc.,
  Rancho Santa Fe, California
Centerstate Banks of Florida,       Atlanta          January 28, 2000
  Inc., Winter Haven, Florida
Centra Financial Holdings, Inc.,    Richmond         February 16, 2000
  Morgantown, West Virginia
Century South Banks, Inc.,          Atlanta          January 28, 2000
  Dahlonega, Georgia
Columbia Bancorp,                   Richmond         February 17, 2000
  Columbia, Maryland
Commonwealth Bancshares, Inc.,      St. Louis        February 18, 2000
  Shelbyville, Kentucky
F&A Financial Holding Company,      Cleveland        February 16, 2000
  Kittanning, Pennsylvania
First Community Bancorp,            San Francisco    February 23, 2000
  Rancho Santa Fe, California
First Mountain Company KSOP         Kansas City      January 25, 2000
  Plan,
  Montrose, Colorado
Gold Banc Corporation, Inc.,        Kansas City      February 9, 2000
  Leawood, Kansas
Gold Banc Acquisition Corporation
  XII, Inc.,
  Leawood, Kansas
HSB Bancorp, Inc.,                  Richmond         February 15, 2000
  Hebron, Maryland
Lewisville Bancorp, Inc.,           Minneapolis      February 2, 2000
  Lewisville, Minnesota
Van Deusen Bancorp, Inc.,
  Lewisville, Minnesota
Mesquite Financial Services,        Dallas           February 18, 2000
  Inc., Alice, Texas
Midland Bancshares, Inc.,           Dallas           February 8, 2000
  Midland, Texas
National Commerce Bancorporation,   St. Louis        February 3, 2000
  Memphis, Tennessee
NBG Bancorp, Inc.,                  Atlanta          February 22, 2000
  Athens, Georgia
Northern Missouri Bancshares,       Kansas City      January 26, 2000
  Inc., Unionville Missouri
Pacific Mercantile Bancorp,         San Francisco    February 11, 2000
  Newport Beach, California
Port Financial Corp.,               Boston           February 1, 2000
  Cambridge, Massachusetts
Wells Fargo & Company,              San Francisco    February 25, 2000
  San Francisco, California
Wewahitchka State Bank Employee     Atlanta          January 21, 2000
  Stock Ownership Plan,
  Wewahitchka, Florida

Section 4

Applicant(s)                        Reserve Bank     Effective Date

Barclays plc,                       New York         February 11, 2000
  London, England
Barclays Bank plc,
  London, England
Berkshire Bancorp Inc.,             New York         January 26, 2000
  New York, New York
Central Progressive Bancshares,     Atlanta          January 28, 2000
  Inc.,
  Hammond, Louisiana
Citizens Bankshares, Inc.,          Kansas City.     February 7, 2000
  Farmington, New Mexico
Dakota Bancshares, Inc.,            Minneapolis      February 24, 2000
  Mendota Heights, Minnesota
Olivia Bancorporation, Inc.,
  Olivia, Minnesota
Deutsche Bank AG,                   New York         January 26, 2000
  Frankfurt, Germany
Deutsche Financial Services,
  Inc., St. Louis, Missouri
Deutsche Bank AG,                   New York         February 7, 2000
  Frankfurt, Germany
German American Capital
  Corporation,
  New York, New York
Exchange Bankshares, Inc.,          Atlanta          February 24, 2000
  Milledgeville, Georgia
First Farmers Financial             Chicago          January 27, 2000
  Corporation, Converse, Indiana
Independent Bankers Life
  Reinsurance Company of Indiana
  Ltd., Turks and Caicos Islands
First Western Bancorp, Inc.,        Minneapolis      February 7, 2000
  Huron, South Dakota
Indiana United Bancorp,             Chicago          February 1, 2000
  Greensburg, Indiana
Intervest Bancshares Corporation,   Atlanta          January 31, 2000
  New York, New York
Societe Generale,                   New York         February 3, 2000
  Paris, France
Societe Generale Investment
  Corporation,
  New York, New York

Sections 3 and 4

Applicant(s)                        Effective Date

Bank of Whitman Employee Stock      San Francisco    February 3, 2000
  Ownership Plan,
  Colfax, Washington
Zumbrota Agency, Inc.,              Minneapolis      January 25, 2000
  Zumbrota, Minnesota
Pine Island Bancshares, Inc.,
  Zumbrota, Minnesota