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)

ANB Financial Corporation,            Arlington National Bank,
  Arlington, Texas                      Arlington, Texas
ANB Delaware Financial
  Corporation,
  Dover, Delaware
American River Holdings,              North Coast Bank, N.A.,
  Sacramento, California                Windsor, California
Antioch Holding Company,              Lakes Region Bancorporation,
  Antioch, Illinois                     Inc., Third Lake, Illinois
                                      Anchor Bank,
                                        Third Lake, Illinois
Arvest Bank Group, Inc.,              Arvest Bank,
  Bentonville, Arkansas                 Hoplin, Missouri
Arvest Bank Group, Inc.,              Arvest State Bank,
  Bentonville, Arkansas                 Tulsa, Oklahoma
First Bancshares, Inc.,
  Bartlesville, Oklahoma
Century Bancshares, Inc.,             First State Bank of Gurdon,
  New Boston, Texas                     Gurdon, Arkansas
Capitol Bancorp Ltd.,                 Arrowhead Community Bank,
  Lansing, Michigan                     Glendale, Arizona
Sun Community
  Bancorp Limited,
  Phoenix, Arizona
Central Valley Bancorp,               Modesto Commerce Bank,
  Modesto, California                   Modesto, California
Cheaha Financial Group, Inc.,         Cheaha Bank,
  Oxford, Alabama                       Oxford, Alabama
First Bancshares Corporation,         Baybank Corporation,
  Gladstone, Michigan                   Gladstone, Michigan
                                      Baybank,
                                        Gladstone, Michigan
First Community Banc Holding          First Community Bank of
  Company,                              Hillsboro, Hillsboro, Illinois
   Hillsboro, Illinois
First Graham Bancorp, Inc.,           First Bryson Bancorporation,
  Graham, Texas                         Flower Mound, Texas
                                      First Security Bancshares of
                                        Delaware, Inc.,
                                        Dover, Delaware
                                      First Security Bank,
                                        Flower Mound, Texas
First Interstate BancSystem, Inc.,    Equality Bankshares, Inc.,
  Billings, Montana                     Cheyenne, Wyoming
F & M Financial Services, Inc.,       F & M Community Bank, N.A.,
  Preston, Minneapolis                  Chatfield, Minnesota
First Security, Inc.,                 First Security Bank of Owensboro,
  Owensboro, Kentucky                   Inc., Owensboro, Kentucky
Hancock Park Acquisition, L.L.C.,     Bank of Coronado,
  Washington, D.C.                      Coronado, California
Hancock Park Acquisition, L.P.,
  Washington, D.C.
Heritage Financial Holding            Heritage Bank,
  Corporation,                          Decatur, Alabama
  Decatur, Alabama
Heritage Group, Inc.,                 City National Bank and Trust
  Aurora, Nebraska                      Company, Hastings, Nebraska
IBT Bancorp, Inc.,                    FSB Bancorp, Inc.,
  Mt. Pleasant, Michigan                Breckenridge, Michigan
                                      Farmers State Bank of
                                        Breckenridge,
                                        Breckenridge, Mighigan
Inter-Mountain Bancorp, Inc.,         Three Forks Bancorporation,
  Bozeman, Montana                      Three Forks, Montana
                                      Security Bank of Three Forks,
                                        Three Forks, Montana
JTB Bancshares, Inc.,                 Whiting Bankshares, Inc.,
  Mission Hills, Kansas                 Whiting, Kansas
Mahaska Investment Company            Mahaska Investment Company,
  ESOP,                                 Oskaloosa, Iowa
  Oskaloosa, Iowa
MSB Financial, Inc.,                  Manhattan State Bank,
  Manhattan, Montana                    Manhattan, Montana
North Bay Bancorp,                    Solano Bank,
  Napa, California                      Vacaville, California
Northwest Financial Corp.,            Marquette Bank Oelwein, N.A.,
  Spencer, Iowa                         Oelwein, Iowa
Park Meridian Financial               Park Meridian Bank,
  Corporation,                          Charlotte, North Carolina
  Charlotte, North Carolina
Peoples Financial Group, Inc.,        The Peoples Bank,
  Iva, South Carolina                   Iva, South Carolina
Plains Bancorp, Inc.,                 Sudan Bancshares, Inc.,
  Dimmitt, Texas                        Sudan, Texas
                                      First National Bank,
                                        Sudan, Texas
Regions Financial Corporation,        East Coast Bank Corporation,
  Birmingham, Alabama                   Ormond Beach, Florida
                                      Bank at Ormond-By-The-Sea,
                                        Ormond Beach, Florida
Regions Financial Corporation,        First National Bancshares of
  Birmingham, Alabama                   Louisiana, Inc.,
                                        Alexandria, Louisiana
                                      Security First National Bank,
                                        Alexandria, Louisiana
Salem Community Bankshares, Inc.,     Salem Bank & Trust, N.A.,
  Salem, Virginia                       Salem, Virginia
S & C Banco, Inc.,                    S & C Bank, Minnesota,
  New Richmond, Wisconsin               Almelund, Minnesota
                                      Town and Country Bank of
                                        Almelund, Almelund, Minnesota
Somerset Trust Holding Company,       Somerset Trust Company,
  Inc.,                                 Somerset, Pennsylvania
  Somerset, Pennsylvania
Sooner Southwest Bankshares, Inc.,    State National Bancshares, Inc.,
  Tulsa, Oklahoma                       Heavener, Oklahoma
Stockmens Financial Corporation,      First Gothenburg Bancshares,
  Rushville, Nebraska                   Inc., Gothenburg, Nebraska
Stamford Banco, Inc.,                 First State Bank,
  Stamford, Nebraska                    Gothenburg, Nebraska
Nebraska Bankshares, Inc.,
  Farnam, Nebraska
Texas Capital Bancshares, Inc.,       BankDirect, SSB,
  Dallas, Texas                         Dallas, Texas
Western Acquisitions, L.L.C.,         West Coast Bancorp,
  Washington, D.C.                      Tustin, California
Western Acquisition Partners, L.P.,
  Washington, D.C.

Section 4

Applicant(s)                          Nonbanking Activity/Company

Century South Banks, Inc.,            Century South Securities, Inc.,
  Alpharetta, Georgia                   Duluth, Georgia
CB Bancshares,                        Citibank Properties, Inc.,
  Honolulu, Hawaii                      Honolulu, Hawaii
Byron Bancshares, Inc.,               Byron Bank Financial Services,
  Byron, Illinois                       Byron, Illinois
Community Bank Group, Inc.,           Midland Insurance Group, Inc.,
  Eden Prairie, Minnesota               Winsted, Minnesota
Community First Bankshares, Inc.,     Paula Carper Crop Insurance LLC,
  Fargo, North Dakota                   Holyoke, Colorado
                                      Community Insurance, Inc.,
                                        Fargo, North Dakota
CPB, Inc.,                            CPB Real Estate, Inc.,
  Honolulu, Hawaii                      Honolulu, Hawaii
Community First Financial             Community First Financial
  Corporation,                          Services Agency,
  Plato, Missouri                       Plato, Missouri
First Merchants Corporation,          First Merchants Reinsurance Co.
  Muncie, Indiana                       Ltd., Muncie, Indiana
Jonesboro Bancompany, Inc.,           A-J Insurance Agency,
  Jonesboro, Illinois                   Jonesboro, Illinois
Lamar Capital Corporation,            Lamar Data Solutions, Inc.,
  Purvis, Mississippi                   Purvis, Mississippi
National Commerce Bancorporation,     CCB Financial Corporation,
  Memphis, Tennessee                    Durham, North Carolina
Riverside Banking Company,            Dockside Finance Company,
  Ft. Pierce, Florida                   Ft. Pierce, Florida
Silicon Valley Bancshares,            SVB Strategic Investors Fund,
  Santa Clara, California               L.P., Santa Clara, California

Sections 3 and 4

Applicant(s)                          Nonbanking Activity/Company

CNB Financial Services, Inc.,         Citizens National Bank of
  Berkeley Springs, West Virginia       Berkeley Springs,
                                        Berkeley Springs, West Virginia

Section 3

Applicant(s)                          Reserve Bank    Effective Date

ANB Financial Corporation,            Dallas          July 6, 2000
  Arlington, Texas
ANB Delaware Financial
  Corporation,
  Dover, Delaware
American River Holdings,              San Francisco   July 11, 2000
  Sacramento, California
Antioch Holding Company,              Chicago         July 14, 2000
  Antioch, Illinois
Arvest Bank Group, Inc.,              St. Louis       July 7, 2000
  Bentonville, Arkansas
Arvest Bank Group, Inc.,              St. Louis       June 22, 2000
  Bentonville, Arkansas
First Bancshares, Inc.,
  Bartlesville, Oklahoma
Century Bancshares, Inc.,             Dallas          July 12, 2000
  New Boston, Texas
Capitol Bancorp Ltd.,                 Chicago         June 29, 2000
  Lansing, Michigan
Sun Community
  Bancorp Limited,
  Phoenix, Arizona
Central Valley Bancorp,               San Francisco   July 6, 2000
  Modesto, California
Cheaha Financial Group, Inc.,         Atlanta         July 6, 2000
  Oxford, Alabama
First Bancshares Corporation,         Minneapolis     July 19, 2000
  Gladstone, Michigan
First Community Banc Holding          St. Louis       July 6, 2000
  Company,
Hillsboro, Illinois
First Graham Bancorp, Inc.,           Dallas          July 19, 2000
  Graham, Texas
First Interstate BancSystem, Inc.,    Minneapolis     July 7, 2000
  Billings, Montana
F & M Financial Services, Inc.,       Minneapolis     July 6, 2000
  Preston, Minneapolis
First Security, Inc.,                 St. Louis       July 26, 2000
  Owensboro, Kentucky
Hancock Park Acquisition, L.L.C.,     San Francisco   June 29, 2000
  Washington, D.C.
Hancock Park Acquisition, L.P.,
  Washington, D.C.
Heritage Financial Holding            Atlanta         July 20, 2000
  Corporation,
  Decatur, Alabama
Heritage Group, Inc.,                 Kansas City     June 23, 2000
  Aurora, Nebraska
IBT Bancorp, Inc.,                    Chicago         July 12, 2000
  Mt. Pleasant, Michigan
Inter-Mountain Bancorp, Inc.,         Minneapolis     July 13, 2000
  Bozeman, Montana
JTB Bancshares, Inc.,                 Kansas City     July 11, 2000
  Mission Hills, Kansas
Mahaska Investment Company            Chicago         July 6, 2000
  ESOP,
  Oskaloosa, Iowa
MSB Financial, Inc.,                  Minneapolis     June 27, 2000
  Manhattan, Montana
North Bay Bancorp,                    San Francisco   June 29, 2000
  Napa, California
Northwest Financial Corp.,            Chicago         June 30, 2000
  Spencer, Iowa
Park Meridian Financial               Richmond        June 29, 2000
  Corporation,
  Charlotte, North Carolina
Peoples Financial Group, Inc.,        Richmond        July 14, 2000
  Iva, South Carolina
Plains Bancorp, Inc.,                 Dallas          June 26, 2000
  Dimmitt, Texas
Regions Financial Corporation,        Atlanta         July 13, 2000
  Birmingham, Alabama
Regions Financial Corporation,        Atlanta         July 13, 2000
  Birmingham, Alabama
Salem Community Bankshares, Inc.,     Richmond        June 29, 2000
  Salem, Virginia
S & C Banco, Inc.,                    Minneapolis     July 14, 2000
  New Richmond, Wisconsin
Somerset Trust Holding Company,       Cleveland       June 29, 2000
  Inc.,
  Somerset, Pennsylvania
Sooner Southwest Bankshares, Inc.,    Kansas City     July 27, 2000
  Tulsa, Oklahoma
Stockmens Financial Corporation,      Kansas City     June 23, 2000
  Rushville, Nebraska
Stamford Banco, Inc.,
  Stamford, Nebraska
Nebraska Bankshares, Inc.,
  Farnam, Nebraska
Texas Capital Bancshares, Inc.,       Dallas          June 23, 2000
  Dallas, Texas
Western Acquisitions, L.L.C.,         San Francisco   June 29, 2000
  Washington, D.C.
Western Acquisition Partners, L.P.,
  Washington, D.C.

Section 4

Applicant(s)                          Reserve Bank    Effective Date

Century South Banks, Inc.,            Atlanta         July 13, 2000
  Alpharetta, Georgia
CB Bancshares,                        San Francisco   July 10, 2000
  Honolulu, Hawaii
Byron Bancshares, Inc.,               Chicago         July 19, 2000
  Byron, Illinois
Community Bank Group, Inc.,           Minneapolis     July 14, 2000
  Eden Prairie, Minnesota
Community First Bankshares, Inc.,     Minneapolis     July 17, 2000
  Fargo, North Dakota
CPB, Inc.,                            San Francisco   July 3, 2000
  Honolulu, Hawaii
Community First Financial             St. Louis       July 11, 2000
  Corporation,
  Plato, Missouri
First Merchants Corporation,          Chicago         July 6, 2000
  Muncie, Indiana
Jonesboro Bancompany, Inc.,           St. Louis       June 15, 2000
  Jonesboro, Illinois
Lamar Capital Corporation,            Atlanta         July 17, 2000
  Purvis, Mississippi
National Commerce Bancorporation,     St. Louis       June 30, 2000
  Memphis, Tennessee
Riverside Banking Company,            Atlanta         July 11, 2000
  Ft. Pierce, Florida
Silicon Valley Bancshares,            San Francisco   June 21, 2000
  Santa Clara, California

Sections 3 and 4

Applicant(s)                          Reserve Bank    Effective Date

CNB Financial Services, Inc.,         Richmond        July 20, 2000
  Berkeley Springs, West Virginia