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

Advantage Bancorp,   First Choice Bank,   Chicago         June 8, 2001
  Woodbury,            Geneva, Illinois
  Minnesota
Bank of De Soto,     D Bancorp, Inc.,     Dallas          May 22, 2001
  N.A., Employee       De Soto, Texas
  Stock Ownership    Bank of De Soto,
  Trust,               N.A.,
  De Soto, Texas       De Soto, Texas
The Bank of Mul-     Mansfield Bank-      St. Louis       May 23, 2001
  berry Employee       stock, Inc.,
  Stock Ownership      Mansfield,
  Trust,               Arkansas
  Mulberry,          Bank of Mansfield,
  Arkansas             Mansfield,
ACME Holding           Arkansas
  Company, Inc.,
  Mulberry,
  Arkansas
Carolina Financial   Crescent Bank,       Richmond        June 1, 2001
  Corporation,         Myrtle Beach,
  Charleston,          South Carolina
  South Carolina
CIB Marine Banc-     Citrus Financial     Chicago         June 5, 2001
  shares, Inc.,        Services, Inc.,
  Pewaukee,            Vero Beach,
  Wisconsin            Florida
                     Citrus Bank, N.A.,
                       Vero Beach,
                       Florida
Commerce Financial   Commerce Financial   Kansas City     June 1, 2001
  Corporation          Corporation,
  ESOP,                Topeka, Kansas
  Topeka, Kansas     Commerce Bank and
                       Trust,
                       Topeka, Kansas
Crescent Financial   Crescent State       Richmond        June 18, 2001
  Corporation,         Bank,
  Cary, North          Cary, North
  Carolina             Carolina
First BanCorp,       Southern Security    New York        May 29, 2001
  San Juan, Puerto     Bank Corpo-
  Rico                 ration,
                       Hollywood,
                       Florida
First Liberty        First Liberty        Kansas City     June 1, 2001
  Capital              Capital
  Corporation          Corporation,
  Employee Stock       Hugo, Colorado
  Ownership Plan,
  Hugo, Colorado
First Merchants      Franco Financial     Chicago         May 25, 2001
  Corporation,         Inc.,
  Muncie, Indiana      Wabash, Indiana
                     Frances Slocum
                       Bank and Trust
                       Company,
                       Wabash, Indiana
First National       Alamo Corporation    Dallas          June 19, 2001
  Bank Group,          of Texas,
  Inc.,                Alamo, Texas
  Edinburg, Texas    Alamo Bank of
                       Texas,
                       Alamo, Texas
First Virginia       James River Bank-    Richmond        May 24, 2001
  Banks, Inc.,         shares, Inc.,
  Falls Church,        Suffolk,
  Virginia             Virginia
GNB Bancshares,      First Bank and       Dallas          May 9, 2001
  Inc.,                Trust,
  Gainesville,         Ennis, Texas
  Texas
Guaranty National
  Bancshares,
  Inc.,
  Wilmington,
  Delaware
Greer Bancshares     Greer State Bank,    Richmond        June 21, 2001
  Incorporated,        Greer, South
  Greer, South         Carolina
  Carolina
Hutisford            Hustisford State     Chicago         June 5, 2001
  Community Ban-       Bank,
  corp, Inc.,          Hustisford,
  Hutisford,           Wisconsin
  Wisconsin
Metro North Banc-    The Bank of Elk      Minneapolis     June 14, 2001
  shares, Inc.,        River,
  Elk River,           Elk River,
  Minnesota            Minnesota
Northrim BanCorp,    Northrim Bank,       San Francisco   June 14, 2001
  Inc.,                Anchorage,
  Anchorage,           Alaska
  Alaska
Old Florida Bank-    Old Florida Bank,    Atlanta         June 8, 2001
  shares, Inc.,        Fort Myers,
  Fort Myers,          Florida
  Florida
Ottawa Bancshares,   Admire Bancshares,   Kansas City     June 12, 2001
  Inc.,                Inc.,
  Salina, Kansas       Emporia, Kansas
Paragon Commercial   Paragon Commercial   Richmond        May 25, 2001
  Corporation,         Bank,
  Raleigh, North       Raleigh, North
  Carolina             Carolina
Promistar            FNH Corporation,     Philadelphia    June 11, 2001
  Financial            Irwin,
  Corporation,         Pennsylvania
  Johnstown,
  Pennsylvania
Puget Sound Finan-   Fife Commercial      San Francisco   June 4, 2001
  cial Services,       Bank,
  Inc.,                Fife, Washington
  Fife, Washington
Republic Banc-       Republic National    Dallas          May 16, 2001
  shares of Texas,     Bank,
  Inc.,                Houston, Texas
  Houston, Texas
RBT Holdings,
  Inc.,
  Dover, Delaware
Sterling Banc-       Lone Star Bancor-    Dallas          May 21, 2001
  shares, Inc.,        poration, Inc.,
  Houston, Texas       Houston, Texas
Sterling Bancorpo-
  ration, Inc.,
  Wilmington,
  Delaware
Washington First     Washington First     San Francisco   June 8, 2001
  Financial Group,     International
  Inc.,                Bank,
  Seattle,             Seattle,
  Washington           Washington
Wewahitchka State    Gulf Coast Commu-    Atlanta         June 5, 2001
  Bank Employee        nity Bancshares,
  Stock Ownership      Inc.,
  Plan,                Wewahitchka,
  Wewahitchka,         Florida
  Florida

Section 4

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

Banco Bradesco       Bradesco Secu-       New York        June 13, 2001
  S.A.,                rities, Inc.,
  Osasco, Brazil       New York,
                       New York
Banco Espirito       Clarity Incentive    New York        June 8, 2001
  Santo, S.A.,         Systems, Inc.,
  Lisbon, Portugal     New York,
                       New York
E.S. Control
  Holding S.A.,
  Luxembourg
Espirito Santo
  Financial Group
  S.A., Luxembourg
E.S. International
  Holding S.A.,
  Luxembourg
Espirito Financial
  (Portugal)
  Sociedade
  Gestora de
  Participacoes
  Sociais, S.A.,
  Lisbon, Portugal
Bespar Sociedade
  Gestora de
  Participacoes
  Sociais, S.A.,
  Lisbon, Portugal
Caisse Nationale
  de Credit
  Agricole,
  Paris, France
Banco Espirito       FiNet.com, Inc.,     New York        June 8, 2001
  Santo, S.A.,         New York,
  Lisbon, Portugal     New York
E.S. Control
  Holding, S.A.,
  Luxembourg
Espirito Santo
  Financial Group,
  S.A., Luxembourg
E.S. International
  Holding S.A.,
  Luxembourg
Espirito Financial
  (Portugal)
  Sociedade
  Gestora de
  Participacoes
  Sociais, S.A.,
  Lisbon, Portugal
Bespar Sociedade
  Gestora de
  Participacoes
  Sociais, S.A.,
  Lisbon, Portugal
Caisse National de
  Credit Agricole,
  Paris, France
Marshall & Ilsley    Derivion             Chicago         May 21, 2001
  Corporation,         Corporation,
  Milwaukee,           Atlanta, Georgia
  Wisconsin
Northview            Northview Mortgage   Chicago         June 21, 2001
  Financial            L.L.C.,
  Corporation,         Northfield,
  Northfield,          Illinois
  Illinois           Northview Bank &
                       Trust,
                       Northfield,
                       Illinois
Republic Bancorp     NetBank, Inc.,       Chicago         June 11, 2001
  Inc., Owosso,        Alpharetta,
  Michigan             Georgia
                     NetBank,
                       Alpharetta,
                       Georgia
                     NetBank Partners,
                       LLC, Alpharetta,
                       Georgia
GB&T Bancshares,     Community Trust      Atlanta         May 24, 2001
  Inc.,                Financial
  Gainesville,         Services
  Georgia              Corporation,
                       Hiram, Georgia
                     Community Trust
                       Bank, Hiram,
                       Georgia
                     Community Loan
                       Company, Inc.,
                       Cartersville,
                       Georgia
                     Metroplex
                       Appraisals,
                       Inc., Hiram,
                       Georgia
                     Cash Transactions,
                       LLC, Dallas,
                       Georgia
Hancock Holding      Lamar Capital        Atlanta         June 15, 2001
  Company,             Corporation,
  Gulfport,            Purvis,
  Mississippi          Mississippi
                     Lamar Bank,
                       Purvis,
                       Mississippi
                     Larmar Data
                       Solutions, Inc.,
                       Purvis,
                       Mississippi