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)
Ameri-National Corporation,          Horizon National Bank,
  Overland Park, Kansas              Leawood, Kansas
Bauer Management, Inc.,              The First National Bank,
  Port Lavaca, Texas                 Port Lavaca, Texas
Bauer Investments, Ltd.,             Seaport Bank,
  Port Lavaca, Texas                 Seadrift, Texas
BW Bancorp,                          Boundary Waters Community
                                       Bank,
  Woodbury, Minnesota                Ely, Minnesota
Capital Bancshares, Inc.,            The Capital Bank,
  Little Rock, Arkansas              Little Rock, Arkansas
Carolina First Corporation,          Citizens First National Bank,
  Greenville, South Carolina         Crescent City, Florida
Carthage State Bancshares, Inc.,     First State Bank & Trust
                                     Company,
  Carthage, Texas                    Carthage, Texas
Carthage Nevada Financial Group,
  Inc.,
  Carson City, Nevada
Castle Creek Capital Partners Fund   Rancho Santa Fe National Bank,
  IIa, LP,                           Rancho Santa Fe, California
  Rancho Santa Fe, California
Castle Creek Capital Partners Fund
  IIb, LP,
  Rancho Santa Fe, California
Castle Creek Capital Partners Fund   State National Bancshares,
                                     Inc.,
  IIa, LP,                           Lubbock, Texas
  Rancho Santa Fe, California        State National Bank of West
                                     Texas,
Castle Creek Capital Partners Fund   Lubbock, Texas
  IIb, LP,                           Sierra Bank,
  Rancho Santa Fe, California        Las Cruces, New Mexico
Central Texas Bankshares Holdings,   Hill Bancshares Holdings,
                                     Inc.,
  Inc.,                              Weimar, Texas
  Columbus, Texas                    Hill Bank & Trust Company,
Colorado County Investment           Weimar, Texas
  Holdings, Inc.,
  Wilmington, Delaware
Century South Banks, Inc.,           Independent Bancorp, Inc.,
  Dahlonega, Georgia                 Oxford, Alabama
Clark County Bancshares, Inc.,       Memphis Bancshares, Inc.,
  Wyaconda, Missouri                 Memphis, Missouri
                                     Community Bank of Memphis,
                                     Memphis, Missouri
Commerce Bancorp, Inc.,              Bank of Commerce,
  Greenwood, Mississippi             Greenwood, Mississippi
Eggemeyer Advisory Corp,             State National Bancshares,
  Rancho Santa Fe, California          Inc., Lubbock, Texas
WJR Corp.,                           Valley Bancorp, Inc.,
  Rancho Santa Fe, California          El Paso, Texas
Castle Creek Capital LLC,            Montwood National Bank
  Rancho Santa Fe, California          El Paso, Texas
Castle Creek Capital Partners Fund
  I, LP,
  Rancho Santa Fe, California
Castle Creek Capital Partners Fund
  IIa, LP,
  Rancho Santa Fe, California
Castle Creek Capital Partners Fund
  IIb,
  Rancho Santa Fe, California
Eggemeyer Advisory Corp.,            State National Bancshares,
  Rancho Santa Fe, California          Inc., Lubbock, Texas
WJR Corp.,                           Castle Creek Capital Partners
  Rancho Santa Fe, California          Fund I, LP,
Castle Creek Capital LLC,            Rancho Santa Fe, California
  Rancho Santa Fe, California          Castle Creek Capital Partners
                                       Fund IIb, LP,
                                       Rancho Santa Fe, California
Eggemeyer Advisory Corp.,            Rancho Santa Fe National Bank,
  Rancho Santa Fe, California          Rancho Santa Fe, California
WJR Corp.,                           Castle Creek Capital Partners
  Rancho Santa Fe, California          Fund I, LP,
Castle Creek Capital LLC,            Rancho Santa Fe, California
  Rancho Santa Fe, California          Castle Creek Capital Partners
                                       Fund IIa, LP,
                                       Rancho Santa Fe, California
                                     Castle Creek Capital Partners
                                       Fund IIb, LP,
                                       Rancho Santa Fe, California
Farmers & Merchants Bancorp,         Farmers & Merchants Bank of
  Lodi, California                     Central California,
                                       Lodi, California
First American Bank Group, Ltd.,     First American Bank
  Fort Dodge, Iowa                     Sioux City, Iowa
First Banking Company of             Wayne Bancorp, Inc.,
  Southeast Georgia,                   Jesup, Georgia
  Statesboro, Georgia                Wayne National Bank,
                                       Jesup, Georgia
First Community Financial            Community Savings Bank Inc.,
  Corporation,                         SSB, Burlington, North
  Burlington, North Carolina           Carolina
First Financial Bancorp,             Sand Ridge Financial
  Hamilton, Ohio                       Corporation, Highland,
                                       Indiana
First Sterling Banks, Inc.,          Georgia Bancshares, Inc.,
  Kennesaw, Georgia                    Tucker, Georgia
                                     Community Bank of Georgia,
                                       Tucker, Georgia
Franklin Bancshares, Inc.,           Franklin Bank,
  Franklin, Illinois                   Franklin, Illinois
Greater Bay Bancorp,                 Bay Area Bancshares,
  Palo Alto, California                Redwood City, California
                                     Bay Area Bank,
                                       Redwood City, California
Hometown Banc Corp.,                 Security State Bank,
  Grand Island, Nebraska               Sumner, Nebraska
Hometown Independent Bancorp,        Sunstar Bank,
  Inc.,                                Washington, Illinois
  Morton, Illinois                   Morton Community Bank,
                                       Morton, Illinois
Kentucky National Bancorp, Inc.,     Kentucky National Bank,
  Elizabethtown, Kentucky              Elizabethtown, Kentucky
Lakeland Bancorp, Inc.,              High Point Financial
  Oak Ridge, New Jersey                Corporation, Branchville,
                                       New Jersey
                                     The National Bank of Sussex
                                       County, Branchville, New
                                       Jersey
Marine Bancshares, Inc.,             Marine National Bank of
  Naples, Florida                      Naples, Naples, Florida
Memphis Bancshares, Inc.,            Community Bank of Memphis,
  Memphis, Missouri                    Memphis, Missouri
Metroplex North Bancshares, Inc.,    Metroplex Bancshares, Inc.,
  Employee Stock Ownership Plan,       Celeste, Texas
  Celeste, Texas
Millennium Bankshares Corporation,   Millennium Bank N.A.,
  Reston, Virginia                     Restore Virginia
Monument Bancshares, Inc.,           Monument National Bank,
  Poland, Ohio                         Ridgecrest, California
The Morton Community Bank            Hometown Independent Bancorp,
  Employee Stock Ownership Plan        Inc., Morton, Illinois
  and Trust,
  Morton, Illinois
PFSB Bancorporation, Inc.,           Pigeon Falls State Bank,
  Pigeon Falls, Wisconsin              Pigeon Falls, Wisconsin
Pinnacle Bancorp, Inc.,              Pinnacle Bank of Cheyenne,
  Central City, Nebraska               Cheyenne, Wyoming
Ripley County Bancshares, Inc.,      Ripley County State Bank,
  Piedmont, Missouri                   Doniphan, Missouri
Sam Houston Financial Corp.,         The First State Bank,
  Huntsville, Texas                    Kosse, Texas
Huntsville Holdings, Inc.,
  Wilmington, Delaware
Silver State Bancorp,                Silver State Bank,
  Henderson, Nevada                    Henderson, Nevada
South Branch Valley Bancorp, Inc.,   Shenandoah Valley National
  Moorefield, West Virginia            bank, Winchester, Virginia
Stockmans Financial Group,           Stockmans Bank,
  Elk Grove, California                Elk Grove, California
United Community Banks, Inc.,        Adairsville Bancshares, Inc.,
  Blairsville, Georgia                 Adairsville, Georgia
                                     Bank of Adairsville,
                                     Adairsville, Georgia
WCB Bancshares, Inc.,                Washington County Bank
  Oakdale, Minnesota                 National Association
                                     Oakdale, Minnesota
WJR Corp.,                           Castle Creek Capital LLC,
  Rancho Santa Fe, California        Rancho Santa Fe, California

Applicant(s)                         Reserve Bank     Effective Date

Ameri-National Corporation,          Kansas City      March 11, 1999
  Overland Park, Kansas
Bauer Management, Inc.,              Dallas           March 4, 1999
  Port Lavaca, Texas
Bauer Investments, Ltd.,
  Port Lavaca, Texas
BW Bancorp,                          Minneapolis      March 16, 1999
  Woodbury, Minnesota
Capital Bancshares, Inc.,            St. Louis        March 10, 1999
  Little Rock, Arkansas
Carolina First Corporation,          Richmond         March 2, 1999
  Greenville, South Carolina
Carthage State Bancshares, Inc.,     Dallas           March 4, 1999
  Carthage, Texas
Carthage Nevada Financial Group,
  Inc.,
  Carson City, Nevada
Castle Creek Capital Partners Fund   San Francisco    February 25,
  IIa, LP,                                              1999
  Rancho Santa Fe, California
Castle Creek Capital Partners Fund
  IIb, LP,
  Rancho Santa Fe, California
Castle Creek Capital Partners Fund   San Francisco    March 11, 1999
  IIa, LP,
  Rancho Santa Fe, California
Castle Creek Capital Partners Fund
  IIb, LP,
  Rancho Santa Fe, California
Central Texas Bankshares Holdings,   Dallas           March 4, 1999
  Inc.,
  Columbus, Texas
Colorado County Investment
  Holdings, Inc.,
  Wilmington, Delaware
Century South Banks, Inc.,           Atlanta          March 8, 1999
  Dahlonega, Georgia
Clark County Bancshares, Inc.,       St. Louis        March 4, 1999
  Wyaconda, Missouri

Commerce Bancorp, Inc.,              St. Louis        March 1, 1999
  Greenwood, Mississippi
Eggemeyer Advisory Corp,             San Francisco    March 11, 1999
  Rancho Santa Fe, California
WJR Corp.,
  Rancho Santa Fe, California
Castle Creek Capital LLC,
  Rancho Santa Fe, California
Castle Creek Capital Partners Fund
  I, LP,
  Rancho Santa Fe, California
Castle Creek Capital Partners Fund
  IIa, LP,
  Rancho Santa Fe, California
Castle Creek Capital Partners Fund
  IIb,
  Rancho Santa Fe, California
Eggemeyer Advisory Corp.,            San Francisco    March 11, 1999
  Rancho Santa Fe, California
WJR Corp.,
  Rancho Santa Fe, California
Castle Creek Capital LLC,
  Rancho Santa Fe, California

Eggemeyer Advisory Corp.,            San Francisco    February 25,
  Rancho Santa Fe, California                             1999
WJR Corp.,
  Rancho Santa Fe, California
Castle Creek Capital LLC,
  Rancho Santa Fe, California

Farmers & Merchants Bancorp,         San Francisco    March 18, 1999
  Lodi, California
First American Bank Group, Ltd.,     Chicago          March 17, 1999
  Fort Dodge, Iowa
First Banking Company of             Atlanta          March 17, 1999
  Southeast Georgia,
  Statesboro, Georgia
First Community Financial            Richmond         March 23, 1999
  Corporation,
  Burlington, North Carolina
First Financial Bancorp,             Cleveland        March 11, 1999
  Hamilton, Ohio
First Sterling Banks, Inc.,          Atlanta          March 15, 1999
  Kennesaw, Georgia
Franklin Bancshares, Inc.,           St. Louis        March 9, 1999
  Franklin, Illinois
Greater Bay Bancorp,                 San Francisco    March 23, 1999
  Palo Alto, California

Hometown Banc Corp.,                 Kansas City      March 3, 1999
  Grand Island, Nebraska
Hometown Independent Bancorp,        Chicago          March 4, 1999
  Inc.,
  Morton, Illinois
Kentucky National Bancorp, Inc.,     St. Louis        March 24, 1999
  Elizabethtown, Kentucky
Lakeland Bancorp, Inc.,              New York         March 17, 1999
  Oak Ridge, New Jersey

Marine Bancshares, Inc.,             Atlanta          March 22, 1999
  Naples, Florida
Memphis Bancshares, Inc.,            St. Louis        March 4, 1999
  Memphis, Missouri
Metroplex North Bancshares, Inc.,    Dallas           March 17, 1999
  Employee Stock Ownership Plan,
  Celeste, Texas
Millennium Bankshares Corporation,   Richmond         March 5, 1999
  Reston, Virginia
Monument Bancshares, Inc.,           San Francisco    February 18,
  Poland, Ohio                                            1999
The Morton Community Bank            Chicago          March 4, 1999
  Employee Stock Ownership Plan
  and Trust,
  Morton, Illinois
PFSB Bancorporation, Inc.,           Minneapolis      February 26,
  Pigeon Falls, Wisconsin                                 1999
Pinnacle Bancorp, Inc.,              Kansas City      March 18, 1999
  Central City, Nebraska
Ripley County Bancshares, Inc.,      St. Louis        February 23,
  Piedmont, Missouri                                      1999
Sam Houston Financial Corp.,         Dallas           March 10, 1999
  Huntsville, Texas
Huntsville Holdings, Inc.,
  Wilmington, Delaware
Silver State Bancorp,                San Francisco    March 17, 1999
  Henderson, Nevada
South Branch Valley Bancorp, Inc.,   Richmond         March 25, 1999
  Moorefield, West Virginia
Stockmans Financial Group,           San Francisco    March 18, 1999
  Elk Grove, California
United Community Banks, Inc.,        Atlanta          February 26,
  Blairsville, Georgia                                    1999
WCB Bancshares, Inc.,                Minneapolis      March 17, 1999
  Oakdale, Minnesota
WJR Corp.,                           San Francisco    February 25,
  Rancho Santa Fe, California                           1999

Section 4

Applicant(s)                         Nonbanking Activity/Company

Ambank Company, Inc.,                To engage de novo in making
  Sioux Center, Iowa                 and servicing loans and
                                     leasing activities
Community First Bankshares, Inc.,    Thad Scholl Insurance Agency,
  Fargo, North Dakota                LLC., Holyoke, Colorado
Community Trust Financial Services   Grace Financial Services,
  Corp.,                             Inc., Oakwood, Georgia
  Hiram, Georgia
Community Loan Company,
  Hiram, Georgia
Concord, EFS, Inc.,                  Electronic Payment Services,
  Memphis, Tennessee                 Inc., Wilmington, Delaware
Cooperatieve Centrale                Tokai Financial Services,
  Raiffeisen-Boerenleenbank B.A.,    Inc., Berwyn, Pennsylvania
  Rabobank Nederland,                De Lage Landen, U.S.A., Inc.,
  Utrecht, Netherlands               New York, New York
                                     De Lage Landen International
                                     B.V., Eindhoven, Netherlands
Cumberland Bancorp, Inc.,            The Murray Bank,
Carthage, Tennessee                  Murray, Kentucky
Delta Bancorp, Inc.,                 Delta Financial L.L.C.,
Prospect Heights, Illinois           Prospect Heights, Illinois
                                     Village Mortgage L.L.C.,
                                     Prospect Heights, Illinois
First Ada Bancshares, Inc.,          Witherspoon Finance Company,
  Ada, Oklahoma                      Ada, Oklahoma
Gold Banc Corporation, Inc.,         CompuNet Engineering L.L.C.,
  Leawood, Kansas                    Overland Park, Kansas
Marshall and Isley Corporation,      ADP, Inc.,
  Milwaukee, Wisconsin               Alpharetta, Georgia
NCB Holdings, Inc.,                  Century Financial Company,
  Chicago, Illinois                  LLC, Chicago, Illinois
State Street Corporation,            SAVVIS Holdings Corporation,
  Boston, Massachusetts              St. Louis, Missouri
Westdeutsche Landesbank              WestLB Panmure Securities
  Girozentrale,                      Inc., New York, New York
  Duesseldorf, Federal Republic of
  Germany

Applicant(s)                         Reserve Bank     Effective Date

Ambank Company, Inc.,                Chicago          March 16, 1999
  Sioux Center, Iowa
Community First Bankshares, Inc.,    Minneapolis      March 15, 1999
  Fargo, North Dakota
Community Trust Financial Services   Atlanta          March 8, 1999
  Corp.,
  Hiram, Georgia
Community Loan Company,
  Hiram, Georgia
Concord, EFS, Inc.,                  St. Louis        February 26,
  Memphis, Tennessee                                   1999
Cooperatieve Centrale                New York         March 18, 1999
  Raiffeisen-Boerenleenbank B.A.,
  Rabobank Nederland,
  Utrecht, Netherlands
Cumberland Bancorp, Inc.,            Atlanta          March 8, 1999
  Carthage, Tennessee
Delta Bancorp, Inc.,                 Chicago          March 4, 1999
  Prospect Heights, Illinois
First Ada Bancshares, Inc.,          Kansas City      March 2, 1999
  Ada, Oklahoma
Gold Banc Corporation, Inc.,         Kansas City      March 22, 1999
  Leawood, Kansas
Marshall and Isley Corporation,      Chicago          March 4, 1999
  Milwaukee, Wisconsin
NCB Holdings, Inc.,                  Chicago          March 15, 1999
  Chicago, Illinois
State Street Corporation,            Boston           March 17, 1999
  Boston, Massachusetts
Westdeutsche Landesbank              New York         March 12, 1999
  Girozentrale,
  Duesseldorf, Federal Republic of
  Germany

Sections 3 and 4

Applicant(s)                         Bank(s)

Farm and Home Insurance Agency,      Oakland Financial, Inc.,
  Inc.,                              Oakland, Nebraska
  Lyons, Nebraska                    Farmers and Merchants
                                     National Bank, Oakland,
                                     Nebraska Tri-County Insurance,
                                     Inc., Oakland, Nebraska

Applicant(s)                         Reserve Bank     Effective Date

Farm and Home Insurance Agency,      Kansas City      March 25, 1999
  Inc.,
  Lyons, Nebraska