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)

Arvest Bank Group, Inc.,           P & W Bancshares, Inc.,
 Bentonville, Arkansas              Little Rock, Arkansas
                                   Central Bank & Trust,
                                    Little Rock, Arkansas
ASB Management Corp.,              Anna State Bank,
 Anna, Illinois                     Anna, Illinois
Associated Community Bancorp,      The Greenwich Bank and Trust
 Inc.,                              Company,
 Greenwich, Connecticut             Greenwich, Connecticut
                                   Westport National Bank,
                                    Westport, Connecticut
Banco Santander Central            The Royal Bank of Scotland Group,
 Hispino, S.A.,                     plc, Edinburgh, Scotland
 Madrid, Spain
Banque Nationale de Paris,         BancWest Corporation,
 Paris, France                      Honolulu, Hawaii
                                   Bank of the West,
                                    San Francisco, California
                                   First Hawaiian Bank,
                                    Honolulu, Hawaii
Belvedere Capital Partners, LLC,   Sacramento Commercial Bank,
 San Francisco, California          Sacramento, California
California Community Financial     Sacramento Capital Co.,
 Institutions Fund Limited          San Francisco, California
 Partnership,
 San Francisco, California
Bruning Bancshares, Inc.,          The Commercial State Bank,
 Bruning, Nebraska                  Clay Center, Nebraska
Bryan-Heritage Limited             The First National Bank of
 Partnership, Bryan, Texas          Bryan, Bryan, Texas
Bryan Family Management Trust,
 Bryan, Texas
Chestatee Bancshares, Inc.,        Chestatee State Bark,
 Dawsonville, Georgia               Dawsonville, Georgia
Clintonville Bancshares, Inc.,     Nichols Bancorp, Inc.,
 Clintonville, Wisconsin            Nichols, Wisconsin
                                   Neighborhood State Bank,
                                    Nichols, Wisconsin
Community National                 Tarpon Financial Corporation,
 Bancorporation,                    Tarpon Springs, Florida
 Ashburn, Georgia
Dacotah Banks, Inc.,               Rolla Holding Company, Inc.,
 Aberdeen, South Dakota             Rolla, North Dakota
Ellis Bankshares, Inc.,            First National Bank of Eagle
 Eagle River, Wisconsin             River, Eagle River, Wisconsin
First Banks Inc.,                  Lippo Bank,
 St. Louis, Missouri                San Francisco, California
First Banks, America, Inc.,
 St. Louis, Missouri
First National Bancshares,         First National Bank of
 Inc., Spartanburg,                 Spartanburg, Spartanburg,
 South Carolina                     South Carolina
First State Bank of Rushmore       First Rushmore Bancorporation,
 KSOP Plan and Trust,               Inc., Worthington, Minnesota
 Worthington, Minnesota
Glenwood Bancorporation,           Frontier Savings Bank,
 Glenwood, Iowa                     Council Bluffs, Iowa
Grand Valley Corporation,          Heber Valley National Bank,
 Grand Junction, Colorado           Heber City, Utah
Gulf Coast Community               Wewahitchka State Bank,
 Bancshares, Inc.,                  Wewahitchka, Florida
 Wewahitchka, Florida
Gwinnett Commercial Group,         First Bank of Gwinnett,
 Inc., Lawrenceville, Georgia       Lawrenceville, Georgia
Harleysville Savings Financial     Harleysville Savings Bank,
 Corporation,                       Harleysville, Pennsylvania
 Harleysville, Pennsylvania
Hunter Holding Company,            Coteau Holding Company,
 Hunter, North Carolina             Gackle, North Dakota
                                   First State Bank of Gackle,
                                    Gackle, North Dakota
Iowa State Financial Services      Iowa State Bank & Trust Company,
 Corporation,                       Fairfield, Iowa
 Fairfield, Iowa
Iowa State Financial Services      North Linn Corporation,
 Corporation,                       Coggon, Iowa
 Fairfield, Iowa                   Linn County State Bank,
                                    Coggon, Iowa
NCT Holdings, Inc.,                U.S. Trust Company of North,
 Greensboro, North Carolina          Carolina Greensboro, North
                                     Carolina
Oak Financial, Inc.,               Oak Bank,
 Madison, Wisconsin                 Fitchburg, Wisconsin
Otto Bremer Foundation,            Northwest Equity Corporation,
 St. Paul, Minnesota                Amery, Wisconsin
Bremer Financial Corporation,      Northwest Savings Bank,
 St. Paul, Minnesota                Amery, Wisconsin
Panola National Bancshares,        Panola National Bank,
 Inc., Carthage, Texas              Carthage, Texas
Panola National Bancshares of
 Delaware, Inc.,
 Wilmington, Delaware
Pinnacle Bancorp, Inc.,            Burns National Bank of Durango,
 Central City, Nebraska             Durango, Colorado
                                   Western Bank,
                                    Gallup, New Mexico
Ridgeway Bancshares, Inc.,         Bank of Ridgeway,
 Ridgeway, South Carolina           Ridgeway, South Carolina
Rivers Ridge Holding Company,      BankVista,
 Edina, Minnesota                   Sartell, Minnesota
Sacramento Capital Co.,            Sacramento Commercial Bank,
 San Francisco, California          Sacramento, California
Spectrum Bancorporation, Inc.,     Citizens Bank,
 Omaha, Nebraska                    Carlisle, Iowa
Team Financial Acquisition         Fort Calhoun Investment Company,
 Subsidiary, Inc.,                  Fort Calhoun, Nebraska
 Paola, Kansas                     Fort Calhoun State Bank,
Team Financial, Inc.,               Fort Calhoun, Nebraska
 Paola, Kansas
Team Financial Employees
 Stock Ownership Plan,
 Paola, Kansas
U.S. Trust Corporation,            U.S. Trust Company of
 New York, New York                 North Carolina,
                                    Greensboro, North Carolina
NCT Holdings, Inc.,
 Greensboro, North Carolina
Utah Bancshares, Inc.              Bank of Ephraim,
 Ephraim, Utah                      Ephraim, Utah
Virginia Commonwealth              Caroline Savings Bank,
 Financial Corporation,             Bowling Green, Virginia
 Culpeper, Virginia
Whitney Holding Corporation,       Bank of Houston,
 New Orleans, Louisiana             Houston, Texas

Section 4

Applicant(s)                       Nonbanking Activity/Company

Associated Banc-Corp,              BNC Financial Corporation,
 Green Bay, Wisconsin               St. Cloud, Minnesota
Bar Harbor Bankshares,             Dirigo Investments Inc.,
 Bar Harbor, Maine                  Bar Harbor, Maine
                                   Bar Harbor Banking and Trust
                                    Company,
                                    Bar Harbor, Maine
Bayerische Hypo- und               Babcock & Brown LP,
 Vereinsbank AG,                    San Francisco, California
 Munich, Germany                   Babcock, Brown Operating
                                    Partnership LP,
                                    San Francisco, California
                                   Babcock & Brown Holdings Inc.,
                                    San Francisco, California
                                   Babcock & Brown Inc.,
                                    San Francisco, California
Bootheel Bancorp, Inc.,            Poplar Bluff Computer Service
 Bernie, Missouri                   Center, Inc.,
                                    Poplar Bluff, Missouri
Century South Banks, Inc.,         Haywood Bancshares, Inc.,
 Dahlonega, Georgia                 Waynesville, North Carolina
                                   Haywood Saving,; Bank, Inc., SSB,
                                    Waynesville, North Carolina
Cera Foundation VZW,               KBC Financial Products (USA),
 Leuven, Belgium                     Inc., New York, New York
Cera Management N.V.,
 Leuven, Belgium
Cera Holding, C.V.,
 Leuven, Belgium
Cera Ancora N.V.,
 Leuven, Belgium
Almanij, N.V.,
 Antwerp, Belgium
KBC Bank & Insurance
 Company, N.V.,
 Brussels, Belgium
KBC Bank, N.V.,
 Brussels, Belgium
Citizen's Community Bancorp,       To engage de novo in originating
  Inc., Marco Island, Florida       mortgage loans
Concord EFS, Inc.,                 National Payment Systems, Inc.,
 Memphis, Tennessee                 New York, New York
Iowa State Financial               Sisler Insurance Agency, Inc.,
 Services Corporation,              Coggon, Iowa
 Fairfield, Iowa                   North Linn Corporation,
                                    Coggon, Iowa
NCT Holdings, Inc.,                NCT Opportunities Inc.,
 Greensboro, North Carolina         Greensboro, North Carolina
Sherman County Management,         To engage in agency transactional
 Inc., Loup City, Nebraska          services for customer
                                    investments and futures
                                    commission merchant activities
Stichting Prioriteit ABN AMRO      ABN AMRO Mortgage Group,
 Holding,                           Jacksonville, Florida
 Amsterdam, the Netherlands        Atlantic Mortgage & Investment
Stichting Administratiekantoor      Corporation,
 ABN AMRO Holding,                  Jacksonville, Florida
 Amsterdam, the Netherlands
ABN AMRO Holding N.V.,
 Amsterdam, the Netherlands
ABN AMRO Bank, N.V.
 Amsterdam, the Netherlands
ABN AMRO North America, Inc.
 Chicago, Illinois
Susquehanna Bancshares, Inc.       Boston Service Company,
 Lititz, Pennsylvania               Jamesburg, New Jersey
The Toronto-Dominion Bank,         CTUSA, F.S.B.,
 Toronto, Canada                    Naples, Florida
Tri County Investment Company,     Duane Klingsporn Insurance
 Inc.,                              Agency, Pine Island, Minnesota
 Pine Island, Minnesota
UBS AG,                            Lucent Technologies Consumer
 Zurich, Switzerland                Products L.P.,
North Street Finance LLC,           Murray Hill, New Jersey
 New York, New York
United Financial Holdings,         United Insurance Holdings, Inc.,
 Inc., St. Petersburg, Florida      St. Petersburg, Florida
Westdeutsche Landesbank            WestLB Panmure Securities Inc.,
 Girozentrale,                      New York, New York
 Dusseldorf, Germany

Sections 3 and 4

Applicant(s)                       Nonbanking Activity/Company

Farmers Bancshares, Inc.,          Leitchfield Deposit Bancshares,
 Hardinsburg, Kentucky              Inc., Leitchfield, Kentucky
                                   Leitchfield Deposit Bank and
                                    Trust Company,
                                    Leitchfield, Kentucky
                                   Leitchfield Bancshares Insurance,
                                    Inc., Leitchfield, Kentucky
Summit Bancorp,                    NMBT Corp.,
 Princeton, New Jersey              New Milford, Connecticut
                                   NMBT,
                                    New Milford, Connecticut

Section 3

Applicant(s)                       Reserve Bank    Effective Date

Arvest Bank Group, Inc.,           St. Louis       December 22, 1999
 Bentonville, Arkansas

ASB Management Corp.,              St. Louis       January 7, 2000
 Anna, Illinois
Associated Community Bancorp,      New York        January 11, 2000
 Inc.,
 Greenwich, Connecticut

Banco Santander Central            New York        January 11, 2000
 Hispino, S.A.,
 Madrid, Spain
Banque Nationale de Paris,         San Francisco   January 13, 2000
 Paris, France

Belvedere Capital Partners, LLC,   San Francisco   January 3, 2000
 San Francisco, California
California Community Financial
 Institutions Fund Limited
 Partnership,
 San Francisco, California
Bruning Bancshares, Inc.,          Kansas City     January 13, 2000
 Bruning, Nebraska
Bryan-Heritage Limited             Dallas          January 14, 2000
 Partnership, Bryan, Texas
Bryan Family Management Trust,
 Bryan, Texas
Chestatee Bancshares, Inc.,        Atlanta         January 19, 2000
 Dawsonville, Georgia
Clintonville Bancshares, Inc.,     Chicago         December 29, 1999
 Clintonville, Wisconsin

Community National                 Atlanta         January 14, 2000
 Bancorporation,
 Ashburn, Georgia
Dacotah Banks, Inc.,               Minneapolis     January 6, 2000
 Aberdeen, South Dakota
Ellis Bankshares, Inc.,            Minneapolis     December 28, 1999
 Eagle River, Wisconsin
First Banks Inc.,                  St. Louis       January 5, 2000
 St. Louis, Missouri
First Banks, America, Inc.,
 St. Louis, Missouri
First National Bancshares,         Richmond        January 6, 2000
 Inc., Spartanburg,
 South Carolina
First State Bank of Rushmore       Minneapolis     January 7, 2000
 KSOP Plan and Trust,
 Worthington, Minnesota
Glenwood Bancorporation,           Chicago         January 14, 2000
 Glenwood, Iowa
Grand Valley Corporation,          Kansas City     January 6, 2000
 Grand Junction, Colorado
Gulf Coast Community               Atlanta         January 4, 2000
 Bancshares, Inc.,
 Wewahitchka, Florida
Gwinnett Commercial Group,         Atlanta         January 4, 2000
 Inc., Lawrenceville, Georgia
Harleysville Savings Financial     Philadelphia    January 6, 2000
 Corporation,
 Harleysville, Pennsylvania
Hunter Holding Company,            Minneapolis     January 12, 2000
 Hunter, North Carolina

Iowa State Financial Services      Chicago         January 21, 2000
 Corporation,
 Fairfield, Iowa
Iowa State Financial Services      Chicago         January 21, 2000
 Corporation,
 Fairfield, Iowa

NCT Holdings, Inc.,                New York        January 20, 2000
 Greensboro, North Carolina

Oak Financial, Inc.,               Chicago         January 6, 2000
 Madison, Wisconsin
Otto Bremer Foundation,            Minneapolis     January 19, 2000
 St. Paul, Minnesota
Bremer Financial Corporation,
 St. Paul, Minnesota
Panola National Bancshares,        Dallas          December 29, 1999
 Inc., Carthage, Texas
Panola National Bancshares of
 Delaware, Inc.,
 Wilmington, Delaware
Pinnacle Bancorp, Inc.,            Kansas City     December 31, 1999
 Central City, Nebraska

Ridgeway Bancshares, Inc.,         Richmond        December 24, 1999
 Ridgeway, South Carolina
Rivers Ridge Holding Company,      Minneapolis     December 30, 1999
 Edina, Minnesota
Sacramento Capital Co.,            San Francisco   January 3, 2000
 San Francisco, California
Spectrum Bancorporation, Inc.,     Chicago         January 14, 2000
 Omaha, Nebraska
Team Financial Acquisition         Kansas City     January 13, 2000
 Subsidiary, Inc.,
 Paola, Kansas
Team Financial, Inc.,
 Paola, Kansas
Team Financial Employees
 Stock Ownership Plan,
 Paola, Kansas
U.S. Trust Corporation,            New York        January 20, 2000
 New York, New York

NCT Holdings, Inc.,
 Greensboro, North Carolina
Utah Bancshares, Inc.              San Francisco   January 12, 2000
 Ephraim, Utah
Virginia Commonwealth              Richmond        January 14, 2000
 Financial Corporation,
 Culpeper, Virginia
Whitney Holding Corporation,       Atlanta         January 13, 2000
 New Orleans, Louisiana

Section 4

Applicant(s)                       Reserve Bank    Effective Date

Associated Banc-Corp,              Chicago         December 23, 1999
 Green Bay, Wisconsin
Bar Harbor Bankshares,             Boston          January 3, 2000
 Bar Harbor, Maine

Bayerische Hypo- und               New York        January 7, 2000
 Vereinsbank AG,
 Munich, Germany

Bootheel Bancorp, Inc.,            St. Louis       December 30, 1999
 Bernie, Missouri

Century South Banks, Inc.,         Atlanta         December 31, 1999
 Dahlonega, Georgia

Cera Foundation VZW,               New York        January 14, 2000
 Leuven, Belgium
Cera Management N.V.,
 Leuven, Belgium
Cera Holding, C.V.,
 Leuven, Belgium
Cera Ancora N.V.,
 Leuven, Belgium
Almanij, N.V.,
 Antwerp, Belgium
KBC Bank & Insurance
 Company, N.V.,
 Brussels, Belgium
KBC Bank, N.V.,
 Brussels, Belgium
Citizen's Community Bancorp,       Atlanta         January 21, 2000
  Inc., Marco Island, Florida
Concord EFS, Inc.,                 St. Louis       January 20, 2000
 Memphis, Tennessee
Iowa State Financial               Chicago         January 21, 2000
 Services Corporation,
 Fairfield, Iowa

NCT Holdings, Inc.,                New York        January 20, 2000
 Greensboro, North Carolina
Sherman County Management,         Kansas City     December 28, 1999
 Inc., Loup City, Nebraska

Stichting Prioriteit ABN AMRO      Chicago         January 3, 2000
 Holding,
 Amsterdam, the Netherlands
Stichting Administratiekantoor
 ABN AMRO Holding,
 Amsterdam, the Netherlands
ABN AMRO Holding N.V.,
 Amsterdam, the Netherlands
ABN AMRO Bank, N.V.
 Amsterdam, the Netherlands
ABN AMRO North America, Inc.
 Chicago, Illinois
Susquehanna Bancshares, Inc.       Philadelphia    January 12, 2000
 Lititz, Pennsylvania
The Toronto-Dominion Bank,         New York        January 18, 2000
 Toronto, Canada
Tri County Investment Company,     Minneapolis     January 5, 2000
 Inc.,
 Pine Island, Minnesota
UBS AG,                            New York        January 13, 2000
 Zurich, Switzerland
North Street Finance LLC,
 New York, New York
United Financial Holdings,         Atlanta         January 7, 2000
 Inc., St. Petersburg, Florida
Westdeutsche Landesbank            New York        December 30, 1999
 Girozentrale,
 Dusseldorf, Germany

Sections 3 and 4


Applicant(s)                       Reserve Bank    Effective Date

Farmers Bancshares, Inc.,          St. Louis       December 27, 1999
 Hardinsburg, Kentucky
Summit Bancorp,                    New York        December 30, 1999
 Princeton, New Jersey