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 3

Applicant(s)                   Bank(s)

BancTenn Corporation,          Paragon Commercial Bank,
  Kingsport, Tennessee           Raleigh, North Carolina
Capital City Group, Inc.,      Grady Holding Company,
  Tallahassee, Florida           Cairo, Georgia
                               First National Bank of Grady County,
                                 Cairo, Georgia
Cullen/Frost Bankers, Inc.,    Commerce Financial Corporation,
  San Antonio, Texas             Fort Worth, Texas
                               Bank of Commerce,
                                 Fort Worth, Texas

Applicant(s)                   Effective Date

BancTenn Corporation,          April 22, 1999
  Kingsport, Tennessee
Capital City Group, Inc.,      April 7, 1999
  Tallahassee, Florida
Cullen/Frost Bankers, Inc.,    April 23, 1999
  San Antonio, Texas

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)

1st Constitution Bancorp,            1st Constitution Bank,
  Cranbury, New Jersey               Cranbury, New Jersey
1st State Bancorp, Inc.,               1st State Bank,
  Burlington, North Carolina         Burlington, North Carolina
1st State Bank Foundation, Inc.,       1st State Bancorp, Inc.,
  Burlington, North Carolina         Burlington, North Carolina
                                       1st State Bank,
                                       Burlington, North Carolina
Ameriwest Corporation,               Otoe County
  Omaha, Nebraska                      Bancorporation, Inc.,
                                       Nebraska City, Nebraska
Bank of DeSoto, N.A., Employee       D Bancorp, Inc.,
  Stock Ownership Trust,               DeSoto, Texas
  DeSoto, Texas                      Bank of DeSoto, N.A.,
                                       DeSoto, Texas
Banterra Corp.,                      Heartland Bancshares, Inc.,
  Eldorado, Illinois                   Herrin, Illinois
                                     Heartland National Bank,
                                       Herrin, Illinois
Barret Bancorp, Inc.,                Somerville Bank and Trust
  Barretville, Tennessee               Company, Somerville,
                                       Tennessee
Belvedere Capital Partners LLC,      The California Community
  San Francisco, California            Financial Institutions Fund
                                       Limited Partnership,
                                       San Francisco, California
                                     California Financial Bancorp,
                                       Newport Beach, California
                                     Security First Bank,
                                       Fullerton, California
                                     The Bank of Orange County,
                                       Fountain Valley, California
                                     Downey National Bank,
                                       Downey, California
                                     National Business Bank,
                                       Torrance, California
Citizens Corporation,                Walthall Capital Group, Ltd.,
  Columbia, Mississippi                Tylertown, Mississippi
                                     Walthall Citizens Bank,
                                       Tylertown, Mississippi
Commerce Bancshares, Inc.,           Chelsea Bancshares, Inc.,
  Adair, Oklahoma                      Chelsea, Oklahoma
Community Commercial                 Community Commercial Bank,
  Bancshares, Inc.,                    Germantown, Tennessee
  Germantown, Tennessee
Community First Bancshares, Inc.,    Community First Bank,
  New Iberia, Louisiana                New Iberia, Louisiana
Community State Bancshares, Inc.,    Community Bank of Wichita,
  Wichita, Kansas                      Inc., Wichita, Kansas
First Capital Bank Holding           First National Bank of
  Corporation,                         Nassau County,
  Fernandina Beach, Florida            Fernandina Beach, Florida
First Financial Bancorp,             Hebron Bancorp, Inc.,
  Hamilton, Ohio                       Hebron, Kentucky
Goodenow Bancorporation,             Southwest State Bank,
  Okoboji, Iowa                        Windom, Minnesota
Greater Community Bancorp,           Rock Community Bank,
  Totowa, New Jersey                   Glen Rock, New Jersey
Habersham Bancorp,                   CB Financial Corp.,
  Cornelia, Georgia                    Warrenton, Georgia
Horizon Financial Corp.,             Bellingham Bancorporation,
  Bellingham, Washington               Bellingham, Washington
                                     Bank of Bellingham,
                                       Bellingham, Washington
Independence Bancorp,                Crawford Financial
  New Albany, Indiana                  Corporation,
                                       Indianapolis, Indiana
                                     Marengo State Bank,
                                       Marengo, Indiana
Iowa Community Bancorp, Inc.,        Union-Adams Bancorp.,
  Creston, Iowa                        Creston, Iowa
                                     Iowa State Savings Bank,
                                       Creston, Iowa
Letchworth Independent Bancshares    The Mahopac National Bank,
  Corporation,                         Mahopac, New York
  Castile, New York
Mercantile Bancorp, Inc.,            First Mercantile Bank, N.A.,
  Dallas, Texas                        Dallas, Texas
Mercantile Delaware Bancorp, Inc.,
  Dover, Delaware
Midwest Bancorporation, Inc.,        Southwest State Bank,
  Okoboji, Iowa                        Windom, Minnesota
M.R. Melton Limited Partnership,     Morgantown Deposit
  Mt. Sterling, Kentucky               Bancorp, Inc.,
                                       Morgantown, Kentucky
Northfield Bancshares, Inc.,         RCB Holding Company,
  Northfield, Minnesota                Roseville, Minnesota
                                     Roseville Community
                                       Bank, N.A.,
                                       Roseville, Minnesota
Piesco, Inc.,                        Norwood Bancshares, Inc.,
  Springfield, Minnesota               Norwood Young
                                       America, Minnesota
                                     Citizens State Bank
                                       of Norwood,
                                       Norwood Young
                                       America, Minnesota
                                     Springfield Investment
                                       Company, Springfield,
                                       Minnesota
                                     Farmers and Merchants
                                       State Bank of
                                       Springfield,
                                       Springfield, Minnesota
Reliance Bancshares, Inc.,           Reliance Bank,
  Des Peres, Missouri                  Des Peres, Missouri
SJN Banc Co.,                        St. John National Bank,
  St. John, Kansas                     St. John, Kansas
Southeast Bancshares, Inc.,          Southeast Security Bank,
  Mediapolis, Iowa                     Mediapolis, Iowa
Stearns Financial Services, Inc.     Stearns Financial
  Employee Stock Ownership Plan        Services, Inc.,
  and Trust,                           St. Cloud, Minnesota
  St. Cloud, Minnesota
Suncoast Bancorp, Inc.,              Suncoast National Bank,
  Sarasota, Florida                    Sarasota, Florida
Swedish-American Bancshares, Inc.,   Swedish-American State Bank,
  Courtland, Kansas                    Courtland, Kansas
Violeta Investments, Ltd.,           Hebbronville State Bank,
  Hebbronville, Texas                  Hebbronville, Texas

Applicant(s)                         Reserve Bank    Effective Date

1st Constitution Bancorp,            New York        March 26, 1999
  Cranbury, New Jersey
1st State Bancorp, Inc.,             Richmond        April 8, 1999
  Burlington, North Carolina
1st State Bank Foundation, Inc.,     Richmond        April 8, 1999
  Burlington, North Carolina
Ameriwest Corporation,               Kansas City     April 5, 1999
  Omaha, Nebraska
Bank of DeSoto, N.A., Employee       Dallas          April 15, 1999
  Stock Ownership Trust,
  DeSoto, Texas
Banterra Corp.,                      St. Louis       April 5, 1999
  Eldorado, Illinois
Barret Bancorp, Inc.,                St. Louis       April 14, 1999
  Barretville, Tennessee
Belvedere Capital Partners LLC,      San Francisco   April 15, 1999
  San Francisco, California
Citizens Corporation,                Atlanta         March 26, 1999
  Columbia, Mississippi
Commerce Bancshares, Inc.,           Kansas City     April 13, 1999
  Adair, Oklahoma
Community Commercial                 St. Louis       April 16, 1999
  Bancshares, Inc.,
  Germantown, Tennessee
Community First Bancshares, Inc.,    Atlanta         April 14, 1999
  New Iberia, Louisiana
Community State Bancshares, Inc.,    Kansas City     March 31, 1999
  Wichita, Kansas
First Capital Bank Holding           Atlanta         March 26, 1999
  Corporation,
  Fernandina Beach, Florida
First Financial Bancorp,             Cleveland       April 15, 1999
  Hamilton, Ohio
Goodenow Bancorporation,             Chicago         April 9, 1999
  Okoboji, Iowa
Greater Community Bancorp,           New York        April 8, 1999
  Totowa, New Jersey
Habersham Bancorp,                   Atlanta         April 2, 1999
  Cornelia, Georgia
Horizon Financial Corp.,             San Francisco   April 15, 1999
  Bellingham, Washington
Independence Bancorp,                St. Louis       April 2, 1999
  New Albany, Indiana
Iowa Community Bancorp, Inc.,        Chicago         April 21, 1999
  Creston, Iowa
Letchworth Independent Bancshares    New York        April 6, 1999
  Corporation,
  Castile, New York
Mercantile Bancorp, Inc.,            Dallas          April 13, 1999
  Dallas, Texas
Mercantile Delaware Bancorp, Inc.,
  Dover, Delaware
Midwest Bancorporation, Inc.,        Chicago         April 9, 1999
  Okoboji, Iowa
M.R. Melton Limited Partnership,     St. Louis       April 7, 1999
  Mt. Sterling, Kentucky
Northfield Bancshares, Inc.,         Minneapolis     March 30, 1999
  Northfield, Minnesota
Piesco, Inc.,                        Minneapolis     April 8, 1999
  Springfield, Minnesota
Reliance Bancshares, Inc.,           St. Louis       April 1, 1999
  Des Peres, Missouri
SJN Banc Co.,                        Kansas City     April 15, 1999
  St. John, Kansas
Southeast Bancshares, Inc.,          Chicago         April 15, 1999
  Mediapolis, Iowa
Stearns Financial Services, Inc.     Minneapolis     April 7, 1999
  Employee Stock Ownership Plan
  and Trust,
  St. Cloud, Minnesota
Suncoast Bancorp, Inc.,              Atlanta         April 8, 1999
  Sarasota, Florida
Swedish-American Bancshares, Inc.,   Kansas City     April 21, 1999
  Courtland, Kansas
Violeta Investments, Ltd.,           Dallas          April 15, 1999
  Hebbronville, Texas
Section 4

Applicant(s)                         Nonbanking Activity/Company

Centennial Bank Holdings, Inc.,      Centennial Bankers
  Eaton, Colorado                      Mortgage, LLC,
                                       Eaton, Colorado
Citigroup, Inc.,                     Associates Corporation
  New York, New York                   of North
                                       America,
                                       Irving, Texas
Commercial Credit Corporation,
  Baltimore, Maryland
Consolidated Equity Corporation,     Heart of Oklahoma
  Purcell, Oklahoma                    Community Development
                                       Corporation,
                                       Purcell, Oklahoma
Lubbock National Bancshares, Inc.,   Commerce Southwest
  Lubbock, Texas                       Mortgage, L.L.C.,
                                       Lubbock, Texas
McClain County Bancorporation,       Heart of Oklahoma Community
  Purcell, Oklahoma                    Development Corporation,
                                       Purcell, Oklahoma
National Australia Bank Limited,
  Melbourne, Australia
Homeside Lending, Inc.,              First Chicago NBD
  Jacksonville, Florida                Mortgage Company,
                                       Troy, Michigan
Standard Chartered PLC,              UBS AG,
  London, England                      Basle, Switzerland
Standard Chartered Bank,
  London, England
Stockgrowers Banc Corporation,       Howell Insurance Agency
  Ashland, Kansas                      of Ashland, Ashland, Kansas
UBS AG,                              Warburg Dillon Read, LLC,
  Basle, Switzerland                   New York, New York
Wells Fargo & Company,
  San Francisco, California
Norwest Financial Services, Inc.,    TCF National Bank Minnesota
  Des Moines, Iowa                     Minneapolis, Minnesota
Norwest Financial, Inc.,             TCF Consumer Financial
  Des Moines, Iowa                     Services, Inc.,
                                       Minneapolis, Minnesota
                                     TCF Financial Services, Inc.,
                                       Minneapolis, Minnesota
Wells Fargo & Company,               ATI Title Agency of
  San Francisco, California            Ohio, Inc.,
                                       Cleveland, Ohio
Norwest Insurance, Inc.,
  West Des Moines, Iowa
Wells Fargo & Company,               PaymentNet, Inc.,
  San Francisco, California            Pleasanton, California
                                     Norwest Services, Inc.,
                                       Minneapolis, Minnesota

Applicant(s)                         Reserve Bank   Effective Date

Centennial Bank Holdings, Inc.,      Kansas City    March 24, 1999
  Eaton, Colorado
Citigroup, Inc.,                     New York       March 31, 1999
  New York, New York
Commercial Credit Corporation,
  Baltimore, Maryland
Consolidated Equity Corporation,     Kansas City    March 30, 1999
  Purcell, Oklahoma
Lubbock National Bancshares, Inc.,   Dallas         March 31, 1999
  Lubbock, Texas
McClain County Bancorporation,       Kansas City    March 30, 1999
  Purcell, Oklahoma
National Australia Bank Limited,
  Melbourne, Australia
Homeside Lending, Inc.,              Chicago        April 16, 1999
  Jacksonville, Florida
Standard Chartered PLC,              New York       April 1, 1999
  London, England
Standard Chartered Bank,
  London, England
Stockgrowers Banc Corporation,       Kansas City    March 29, 1999
  Ashland, Kansas
UBS AG,                              New York       April 19, 1999
  Basle, Switzerland
Wells Fargo & Company,
  San Francisco, California
Norwest Financial Services, Inc.,    San            April 15, 1999
  Des Moines, Iowa                    Francisco
Norwest Financial, Inc.,
  Des Moines, Iowa
Wells Fargo & Company,               San            March 30, 1999
  San Francisco, California           Francisco
Norwest Insurance, Inc.,
  West Des Moines, Iowa
Wells Fargo & Company,               San            March 29, 1999
  San Francisco, California           Francisco