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

                                              Reserve       Effective
Applicant(s)           Bank(s)                Bank          Date

Alliance Bank Shares   1st Regions Bank,      Minneapolis   April 16,
   Corporation,           Andover,                             2001
   Andover,               Minnesota
   Minnesota
BB&T Corporation,      Virginia Capital       Richmond      April 5,
   Winston-Salem,         Bancshares, Inc.,                    2001
   North Carolina         Fredericksburg,
                          Virginia
Boiling Springs,       Ridgewood Financial,   New York      March 30,
   MHC,                   MHC,                                 2001
   Rutherford, New        Ridgewood,
   Jersey                 New Jersey
Boiling Springs        Ridgewood Financial,
   Bancorp,               Inc.,
   Rutherford, New        Ridgewood, New
   Jersey                 Jersey
                       Ridgewood Savings
                          Bank of New
                          Jersey,
                          Ridgewood, New
                          Jersey
Border Capital         McAllen National       Dallas        March 29,
   Group, Inc.,           Bank,                                2001
   McAllen, Texas         McAllen, Texas
Border Capital Group
   of Delaware,
   Inc.,
   Dover, Delaware
Chinatrust             Chinatrust Bank        New York      April 18,
   Commercial Bank,       (U.S.A.),                            2001
   Ltd.,                  Torrance,
   Taipei, Taiwan,        California
   Republic of China
                       China Trust
                          Holdings, N.V.,
                          Curacao, Nether-
                          lands Antilles
Coast Bancorp,         Coast National Bank,   San Fran-     April 12,
   San Luis Obispo,       San Luis Obispo,       cisco         2001
   California             California
Community Bank         Eagle Bancshares,      Dallas        April 19,
   Holdings of            Inc.,                                2001
   Texas, Inc.,           Fairfield, Texas
   Corsicana, Texas
Corsicana Holdings,
   Inc.,
   Dover, Delaware
Cowboy State           Tongue River Valley    Kansas City   March 29,
   Bancorp, Inc.,         Bankshares, Inc.,                    2001
   Ranchester,            Ranchester,
   Wyoming                Wyoming
                       Ranchester State
                          Bank,
                          Ranchester,
                          Wyoming
First Commerce         First Commerce Bank,   Richmond      April 17,
   Corporation,           Charlotte, North                     2001
   Charlotte, North       Carolina
   Carolina
EvergreenBancorp,      Evergreen Bank,        San Fran-     April 17,
   Seattle,               Seattle,               cisco         2001
   Washington             Washington
eZ Bancorp, Inc.,      eZ Community Bank,     Chicago       April 24,
   Grand Rapids,          Grand Rapids,                        2001
   Michigan               Michigan
First Okmulgee         Missouri Bancorp,      Kansas City   April 20,
   Corporation,           Inc.,                                2001
   Okmulgee,              Richmond,
   Oklahoma               Missouri
Giant Holdings,        Landmark Bank, N.A.,   Atlanta       March 30,
   Inc.,                  Fort Lauderdale,                     2001
   Fort Lauderdale,       Florida
   Florida
Gulfstream Banc-       Gulfstream Business    Atlanta       April 6,
   shares, Inc.,          Bank,                                2001
   Stuart, Florida        Stuart, Florida
Hampton Roads          Bank of Hampton        Richmond      April 25,
   Bankshares, Inc.,      Roads,                               2001
   Chesapeake,            Chesapeake,
   Virginia               Virginia
Ida Grove Banc-        Alliance Bancshares,   Chicago       April 5,
   shares, Inc.,          Inc.,                                2001
   Ida Grove, Iowa        Rockwell City,
                          Iowa
                       Alliance Bank,
                          Rockwell City,
                          Iowa
Missouri Bancorp,      Community Bank of      Kansas City   April 20,
   Inc.,                  Missouri,                            2001
   Richmond,              Richmond,
   Missouri               Missouri
One American           Schwegmann Bank and    Atlanta       April 16,
   Corporation,           Trust Company,                       2001
   Vacherie,              Harvey, Louisiana
   Louisiana
Peotone Bancorp,       SouthwestUSA           Chicago       April 18,
   Inc.,                  Corporation,                         2001
   Peotone, Illinois      Las Vegas, Nevada
                       SouthwestUSA Bank,
                          Las Vegas, Nevada
Shamrock Bancshares    Shamrock Bancshares,   Kansas City   April 5,
   Employee Stock         Inc.,                                2001
   Ownership Plan,        Coalgate,
   Coalgate,              Oklahoma
   Oklahoma
Southern Community     Peninsula Bancorp,     Atlanta       March 30,
   Bancorp,               Inc.,                                2001
   Orlando, Florida       Daytona Beach,
                          Florida
                       Peninsula Bank of
                          Central Florida,
                          Daytona Beach,
                          Florida
SouthwestUSA           SouthwestUSA Bank,     San Fran-     March 29,
   Corporation,           Las Vegas, Nevada      cisco         2001
   Las Vegas, Nevada
Valley Bancorp,        Valley Bank,           San Fran-     April 5,
   Henderson, Nevada      Henderson, Nevada      cisco         2001

Section 4

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

Charter One            Alliance Bancorp,      Cleveland     April 23,
   Financial, Inc.,       Hinsdale,                            2001
   Cleveland, Ohio        Illinois
                       Liberty Federal
                          Bank,
                          Hinsdale,
                          Illinois
East Side Bancorpo-    Bank Chicago,          Chicago       April 20,
   ration,                Chicago, Illinois                    2001
   Chicago, Illinois
East Texas Financial   East Texas Financial   Dallas        April 18,
   Corporation,           Services, Inc.,                      2001
   Kilgore, Texas         Tyler, Texas
                       First Federal
                          Savings and Loan
                          Association of
                          Tyler,
                          Tyler, Texas
FBOP Corporation,      PBOC Holdings, Inc.,   Chicago       April 11,
   Oak Park,              Los Angeles,                         2001
   Illinois               California
                       Peoples Bank of
                          California,
                          Los Angeles,
                          California
Greater Bay Bancorp,   CAPCO Financial        San Fran-     March 26,
   Palo Alto,             Company, Inc.,         cisco         2001
   California             Bellevue,
                          Washington
Independent Bankers    Trust Management       Dallas        April 2,
   Financial              Network, LLC,                        2001
   Corporation,           Dallas, Texas
   Irving, Texas
IBFC Nevada
   Corporation,
   Reno, Nevada
Lone Tree Service      To engage de novo in   Chicago       March 30,
   Company,               extending credit                     2001
   Lone Tree, Iowa        and servicing
                          loans
Marshall & Ilsley      Mortgagebot LLC,       Chicago       March 30,
   Corporation,           Cedarburg,                           2001
   Milwaukee,             Wisconsin
   Wisconsin
MB Financial, Inc.,    FSL Holdings, Inc.,    Chicago       April 26,
   Chicago, Illinois      South Holland,                       2001
                          Illinois
Manufacturers Natio-   First Savings & Loan
   nal Corporation,       Association of
   Chicago, Illinois      South Holland,
                          South Holland,
                          Illinois
McIntosh County Bank   To engage de novo in   Minneapolis   April 19,
   Holding Company,       extending credit                     2001
   Inc.,                  and servicing
   Ashley, North          loans
   Dakota
Texas Community        Trust Management       Dallas        April 2,
   Bancshares, Inc.,      Network, LLC,                        2001
   Dallas, Texas          Dallas, Texas
First Lakewood,
   Inc.,
   Dover, Delaware
Zumbrota Agency,       Larsen Insurance       Minneapolis   April 5,
   Inc.,                  Agency,                              2001
   Zumbrota,              Pine Island,
   Minnesota              Minnesota
Pine Island Banc-      Hermann Insurance
   shares, Inc.,          Agency,
   Pine Island,           Pine Island,
   Minnesota              Minnesota

Sections 3 and 4

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

Ames National          Mahaska Investment     Chicago       April 5,
   Corporation,           Company,                             2001
   Ames, Iowa             Oskaloosa, Iowa
                       Central Valley Bank,
                          Ottumwa, Iowa
                       Midwest Federal
                          Savings and Loan
                          Association of
                          Eastern Iowa,
                          Burlington, Iowa
BB&T Corporation,      Century South Banks,   Richmond      April 19,
   Winston-Salem,         Inc.,                                2001
   North Carolina         Alpharetta,
                          Georgia
Waccamaw Bankshares,   Waccamaw Bank,         Richmond      April 19,
   Inc.,                  Whiteville, North                    2001
   Whiteville, North      Carolina
   Carolina