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)

Arkansas State Bancshares, Inc.,   Arkansas State Bank,
  Siloam Springs, Arkansas           Siloam Springs, Arkansas
Bedwell Investments, Inc.,         Merchants Trust, Inc.,
  Jackson, Alabama                   Jackson, Alabama
Bryan-Heritage Limited             The First National Bank of Bryan,
  Partnership, Bryan, Texas          Bryan, Texas
Bryan Family Management Trust,
  Bryan, Texas
Carlson Bancshares, Inc.,          Lakeside Bancshares, Inc.,
  West Memphis, Arkansas             Hughes, Arkansas
                                   The Planters National Bank of
                                     Hughes, Hughes, Arkansas
Charter Bancshares, Inc.,          Charter Bank-Northwest,
  Corpus Christi, Texas              Corpus Christi, Texas
Charter IBHC, Inc.,
  Wilmington, Delaware
Comerica Incorporated,             Imperial Bancorp,
  Detroit, Michigan                  Inglewood, California
Dickinson Holdings, Inc.,          Citizens State Bank of Dickinson,
  Dickinson, Texas                   Dickinson, Texas
Dickinson Holdings of Delaware,    League City Bank and Trust,
  Wilmington, Delaware               League City, Texas
First Deposit Bancshares, Inc.,    Douglas Federal Bank,
  Douglasville, Georgia              Douglasville, Georgia
Fifth Third Bancorp,               Capital Holding, Inc.,
  Cincinnati, Ohio                   Sylvania, Ohio
                                   Capital Bank N.A.,
                                     Sylvania, Ohio
Frontier Financial Corporation,    Interbancorp, Inc.,
  Everett, Washington                Duvall, Washington
                                   Inter Bank,
                                     Duvall, Washington
Holland Bancorp, Inc.,             Bank of Holland,
  Holland, New York                  Holland, New York
Indiana United Bancorp,            Regional Bank,
  Greensburg, Indiana                New Albany, Indiana
Lakeland Bancorp, Inc.,            Sussex Bancorp,
  Oak Ridge, New Jersey              Franklin, New Jersey
MSB Bankshares, Inc.,              The Miners' State Bank of Iron
  Iron River, Michigan               River, Iron River, Michigan
Nebraska Bankshares, Inc.,         Stockmens Financial Corporation,
  Farnam, Nebraska                   Rushville, Nebraska
Northstar Financial Group, Inc.,   Northstar Bank,
  Bad Axe, Michigan                  Bad Axe, Michigan
Remada Financial Holdings, Inc.,   Claremont Financial Services, Inc.,
  Minnetonka, Minnesota              St. Paul, Minnesota
                                   Alliance Bank of Blooming Prairie,
                                     Blooming Prairie, Minnesota
State National Bancshares, Inc.,   Ruidoso Bank Corporation,
  Lubbock, Texas                     Ruidoso, New Mexico
Triple J Financial, Inc.,          First Caprock Bancshares, Inc.,
  Claude, Texas                      Claude, Texas
                                   The First National Bank of Claude,
                                     Claude, Texas
United Nebraska Financial          Desert Valley National Bank,
  Company,                           Cave Creek, Arizona
  Grand Island, Nebraska
Virginia Capital Bancshares,       Fredericksburg State Bank,
  Inc., Fredericksburg, Virginia     Fredericksburg, Virginia
                                   Fredericksburg Savings Bank,
                                     Fredericksburg, Virginia
Wachovia Corporation,              Republic Security Financial
  Winston-Salem, North Carolina      Corporation,
                                     West Palm Beach, Florida
                                   Republic Security Bank,
                                     West Palm Beach, Florida

Woodford Bancshares, Inc.,         Woodford State Bank,
  Monroe, Wisconsin                  Woodford, Wisconsin

Section 4

Applicant(s)                       Nonbanking Activity/Company

Community First Bancshares,        Southern Financial, Inc.,
  Inc., Union City, Tennessee        Brentwood, Tennessee
Cornerstone Financial Services     To engage de novo in extending
  Group, Inc.,                       credit and servicing loans
  Ottumwa, Iowa
Glacier Bancorp, Inc.,             WesterFed Financial Corporation,
  Kalispell, Montana                 Missoula, Montana
                                   Western Security Bank,
                                     Missoula, Montana
Michigan National Corporation,     Standard Federal Bank,
  Farmington Hills, Michigan         Troy, Michigan
PSB Bancorp, Inc.,                 Iron Bridge Holdings, Inc.,
  Philadelphia, Pennsylvania         Philadelphia, Pennsylvania
                                   McGuire Performance Solutions, Inc.,
                                     Philadelphia, Pennsylvania
                                   Avanti Capital, Inc.,
                                     Philadelphia, Pennsylvania
Union Planters Corporation,        Jefferson Savings Bancorp, Inc.,
  Memphis, Tennessee                 Ballwin, Missouri
Union Planters Holding             Jefferson Heritage Bank,
  Corporation, Memphis,              Ballwin, Missouri
  Tennessee

Sections 3 and 4

Applicant(s)                       Nonbanking Activity/Company

F&M National Corporation,          Atlantic Financial Corp.,
  Winchester, Virginia               Newport News, Virginia
                                   Johnson Mortgage Company, L.L.C.,
                                     Newport News, Virginia
Gateway Bancorp,                   Bank of Lakewood,
  Santa Ana, California              Lakewood, California
                                   Mission Hills Mortgage Corporation,
                                     Santa Ana, California
Stichting Prioriteit ABN AMRO      Michigan National Corporation,
  Holding,                           Farmington Hills, Michigan
  Amsterdam, The Netherlands       Michigan National Bank,
Stichting Administratiekantoor       Farmington Hills, Michigan
  ABN AMRO Holding,                Independence One Life Insurance
  Amsterdam, The Netherlands         Company,
ABN AMRO Holding N.V.,               Phoenix, Arizona
  Amsterdam, The Netherlands       Independence One Capital Management
ABN AMRO Bank N.V.,                  Corporation,
  Amsterdam, The Netherlands         Farmington, Hills, Michigan
ABN AMRO North America
  Holding Company,
  Chicago, Illinois
ABN AMRO North America, Inc.,
  Chicago, Illinois

Section 3

Applicant(s)                       Reserve Bank    Effective Date

Arkansas State Bancshares, Inc.,   St. Louis       January 9, 2001
  Siloam Springs, Arkansas
Bedwell Investments, Inc.,         Atlanta         January 12, 2001
  Jackson, Alabama
Bryan-Heritage Limited             Dallas          January 9, 2001
  Partnership, Bryan, Texas
Bryan Family Management Trust,
  Bryan, Texas
Carlson Bancshares, Inc.,          St. Louis       December 28, 2000
  West Memphis, Arkansas
Charter Bancshares, Inc.,          Dallas          December 28, 2000
  Corpus Christi, Texas
Charter IBHC, Inc.,
  Wilmington, Delaware
Comerica Incorporated,             Chicago         January 5, 2001
  Detroit, Michigan
Dickinson Holdings, Inc.,          Dallas          January 17, 2001
  Dickinson, Texas
Dickinson Holdings of Delaware,
  Wilmington, Delaware
First Deposit Bancshares, Inc.,    Atlanta         January 11, 2001
  Douglasville, Georgia
Fifth Third Bancorp,               Cleveland       January 5, 2001
  Cincinnati, Ohio
Frontier Financial Corporation,    San Francisco   January 18, 2001
  Everett, Washington
Holland Bancorp, Inc.,             New York        December 29, 2000
  Holland, New York
Indiana United Bancorp,            Chicago         January 16, 2001
  Greensburg, Indiana
Lakeland Bancorp, Inc.,            New York        December 28, 2000
  Oak Ridge, New Jersey
MSB Bankshares, Inc.,              Minneapolis     December 28, 2000
  Iron River, Michigan
Nebraska Bankshares, Inc.,         Kansas City     January 18, 2001
  Farnam, Nebraska
Northstar Financial Group, Inc.,   Chicago         January 16, 2001
  Bad Axe, Michigan
Remada Financial Holdings, Inc.,   Minneapolis     January 19, 2001
  Minnetonka, Minnesota
State National Bancshares, Inc.,   Dallas          January 3, 2001
  Lubbock, Texas
Triple J Financial, Inc.,          Dallas          January 5, 2001
  Claude, Texas
United Nebraska Financial          Kansas City     January 4, 2001
  Company,
  Grand Island, Nebraska
Virginia Capital Bancshares,       Richmond        January 3, 2001
  Inc., Fredericksburg, Virginia
Wachovia Corporation,              Richmond        January 24, 2001
  Winston-Salem, North Carolina
Woodford Bancshares, Inc.,         Chicago         January 23, 2001
  Monroe, Wisconsin

Section 4

Applicant(s)                       Reserve Bank    Effective Date

Community First Bancshares,        St. Louis       December 27, 2000
  Inc., Union City, Tennessee
Cornerstone Financial Services     Chicago         December 28, 2000
  Group, Inc.,
  Ottumwa, Iowa
Glacier Bancorp, Inc.,             Minneapolis     January 19, 2001
  Kalispell, Montana
Michigan National Corporation,     Chicago         January 23, 2001
  Farmington Hills, Michigan
PSB Bancorp, Inc.,                 Philadelphia    January 3, 2001
  Philadelphia, Pennsylvania
Union Planters Corporation,        St. Louis       December 29, 2000
  Memphis, Tennessee
Union Planters Holding
  Corporation, Memphis,
  Tennessee

Sections 3 and 4

Applicant(s)                       Reserve Bank    Effective Date

F&M National Corporation,          Richmond        January 9, 2001
  Winchester, Virginia
Gateway Bancorp,                   San Francisco   January 18, 2001
  Santa Ana, California
Stichting Prioriteit ABN AMRO      Chicago         January 23, 2001
  Holding,
  Amsterdam, The Netherlands
Stichting Administratiekantoor
  ABN AMRO Holding,
  Amsterdam, The Netherlands
ABN AMRO Holding N.V.,
  Amsterdam, The Netherlands
ABN AMRO Bank N.V.,
  Amsterdam, The Netherlands
ABN AMRO North America
  Holding Company,
  Chicago, Illinois
ABN AMRO North America, Inc.,
  Chicago, Illinois