APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY ACT: By the Secretary of the Board.

APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY ACT
By the Secretary of the Board

Recent applications have been approved by the Secretary of the Board
as listed below. Copies are available upon request to the Freedom of
Information Office, Office of the Secretary, Board of Governors of
the Federal Reserve System, Washington, D.C. 20551.

Section 4

Applicant(s)                           Bank(s)

Bank One Corporation,                  BondNexus, Corp.,
  Chicago, Illinois                      Seattle, Washington

Sections 3 and 4

Applicant(s)                           Bank(s)

Niagara Bancorp, MHC,                  Iroquois Bancorp, Inc.,
  Lockport, New York                     Auburn, New York
First Niagara Financial Group, Inc.,   Cayuga Bank,
  Lockport, New York                     Auburn, New York
                                       Homestead Savings, FA,
                                         Utica, New York

Section 4

Applicant(s)                           Effective Date

Bank One Corporation,                  September 1, 2000
  Chicago, Illinois

Sections 3 and 4

Applicant(s)                           Effective Date

Niagara Bancorp, MHC,                  September 29, 2000
  Lockport, New York
First Niagara Financial Group, Inc.,
  Lockport, New York