APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY ACT.

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)

ABC Bancorp,                          Golden Isles Financial Holdings,
  Moultrie, Georgia                     Inc., St. Simons Island,
                                        Georgia
                                      The First Bank of Brunswick,
                                        Brunswick, Georgia
Bank of Montreal,                     First National Bancorp, Inc.,
  Toronto, Ontario, Canada              Joliet, Illinois
Bankmont Financial Corp.,             First National Bank of Joliet,
  Chicago, Illinois                     Joliet, Illinois
Bank of Montreal,                     First National Bancorp, Inc.,
  Toronto, Ontario, Canada              Joliet, Illinois
Harris Joliet Bankcorp, Inc.,         First National Bank of Joliet,
  Chicago, Illinois                     Joliet, Illinois
Cascade Financial Corporation,        Cascade Bank,
  Everett, Washington                   Everett, Washington
Clark County Bancorporation,          Bank of Clark County, Vancouver,
  Vancouver, Washington                 Washington
Farmers State Corporation,            Owatonna Bancshares, Inc.,
  Mankato, Minnesota                    Owatonna, Minnesota
                                      Community Bank Minnesota,
                                        Owatonna, Minnesota
Financial Investors of the South,     Capital Bank,
  Inc.,                                 Montgomery, Alabama
  Birmingham, Alabama
First Indiana Corporation,            First Indiana Bank, FSB,
  Indianapolis, Indiana                 Indianapolis, Indiana
First National Bancshares of          First National Bank of
  Huntsville, Inc.,                     Huntsville, Huntsville, Texas
  Huntsville, Texas
Huntsville Delaware Holdings, Inc.,
  Wilmington, Delaware
Franklin Financial Services           American Home Bank, National
  Corporation,                          Association,
  Chambersburg, Pennsylvania            Lancaster, Pennsylvania
Geneva State Company,                 Grafton State Bank,
  Geneva, Nebraska                      Grafton, Nebraska
Harvard Bancorp, Inc.,                Hebron Bancshares, Inc.,
  Harvard, Illinois                     Hebron, Illinois
                                      Hebron State Bank,
                                        Hebron, Illinois
Henry State Bancorp, Inc.,            Henry State Bank,
  Henry, Illinois                       Henry, Illinois
Mason National Bank Employee          Mason National Bancshares, Inc.,
  Stock Ownership Plan,                 Mason, Texas
  Mason, Texas                        Mason National Bancshares of
                                        Nevada, Inc.,
                                        Carson City, Nevada
                                      The Mason National Bank,
                                        Mason, Texas
Porter Bancorp, Inc.,                 USAccess Bank, Inc.,
  Shepherdsville, Kentucky              Louisville, Kentucky
                                      The Peoples Bank & Trust
                                        Company, Greensburg, Kentucky
Raton Capital Corporation,            Trinidad Capital Corporation,
  Raton, New Mexico                     Trinidad, Colorado
State Bank of Slater Employee         Slater Bancshares, Inc.,
  Stock Ownership Plan,                 Slater, Missouri
  Slater, Missouri
Timberland Bancshares, Inc.,          Timberland Bank,
  El Dorado, Arkansas                   El Dorado, Arkansas
TRB Bancorp, Inc.,                    Greenbelt Bancshares, Inc.,
  Dallas, Texas                         Quanah, Texas
                                      Security National Bank,
                                        Quanah, Texas

Section 4

Applicant(s)                          Nonbanking Activity/Company

Camden National Corporation,          Acadia Trust, National
  Camden, Maine                         Association, Portland, Maine
                                      Gouws Capital Management, Inc.,
                                        Portland, Maine
Dexia S.A.,                           Artesia Mortgage Capital
  Brussels, Belgium                     Corporation, Issaqua,
                                        Washington
                                      Artesia Mortgage SMBS, Inc.,
                                        Issaqua, Washington
                                      Artesia Delaware Inc.,
                                        Wilmington, Delaware
                                      Artesia North America Inc.,
                                        Wilmington, Delaware
Israel Discount Bank Limited,         IDB Mortgage Corp.,
  Tel Aviv, Israel                      New York, New York
Discount Bancorp, Inc.,
  New York, New York
Marshall & Ilsley Corporation,        Metavante Corporation,
  Milwaukee, Wisconsin                  Brown Deer, Wisconsin
CyberBills, Inc.,
  San Jose, California
Norway Bancorp, MHC,                  Norway Savings Bank,
  Norway, Maine                         Norway, Maine
Norway Bancorp, Inc.,                 Financial Institutions Service
  Norway, Maine                         Corporation,
                                        Lewiston, Maine
PSB Bancorp, Inc.,                    Jade Financial Corporation,
  Philadelphia, Pennsylvania            Feasterville, Pennsylvania
WFC, Inc.,                            To engage de novo in extending
  Waukon, Iowa                          credit and servicing loans
Marshall & Ilsley Corporation,        National City Bancorporation,
  Milwaukee, Wisconsin                  Minneapolis, Minnesota
                                      National City Bank of
                                        Minneapolis, Minneapolis,
                                        Minnesota
                                      Diversified Business Credit,
                                        Inc., Minneapolis, Minnesota

Section 3

Applicant(s)                          Reserve Bank    Effective Date

ABC Bancorp,                          Atlanta         July 5, 2001
  Moultrie, Georgia
Bank of Montreal,                     Chicago         June 22, 2001
  Toronto, Ontario, Canada
Bankmont Financial Corp.,
  Chicago, Illinois
Bank of Montreal,                     Chicago         June 22, 2001
  Toronto, Ontario, Canada
Harris Joliet Bankcorp, Inc.,
  Chicago, Illinois
Cascade Financial Corporation,        San Francisco   July 9, 2001
  Everett, Washington
Clark County Bancorporation,          San Francisco   July 11, 2001
  Vancouver, Washington
Farmers State Corporation,            Minneapolis     July 18, 2001
  Mankato, Minnesota
Financial Investors of the South,     Atlanta         June 29, 2001
  Inc.,
  Birmingham, Alabama
First Indiana Corporation,            Chicago         July 10, 2001
  Indianapolis, Indiana
First National Bancshares of          Dallas          June 29, 2001
  Huntsville, Inc.,
  Huntsville, Texas
Huntsville Delaware Holdings, Inc.,
  Wilmington, Delaware
Franklin Financial Services           Philadelphia    July 9, 2001
  Corporation,
  Chambersburg, Pennsylvania
Geneva State Company,                 Kansas City     June 27, 2001
  Geneva, Nebraska
Harvard Bancorp, Inc.,                Chicago         July 10, 2001
  Harvard, Illinois
Henry State Bancorp, Inc.,            Chicago         July 6, 2001
  Henry, Illinois
Mason National Bank Employee          Dallas          June 27, 2001
  Stock Ownership Plan,
  Mason, Texas
Porter Bancorp, Inc.,                 St. Louis       June 29, 2001
  Shepherdsville, Kentucky
Raton Capital Corporation,            Kansas City     July 3, 2001
  Raton, New Mexico
State Bank of Slater Employee         Kansas City     May 31, 2001
  Stock Ownership Plan,
  Slater, Missouri
Timberland Bancshares, Inc.,          St. Louis       June 20, 2001
  El Dorado, Arkansas
TRB Bancorp, Inc.,                    Dallas          June 27, 2001
  Dallas, Texas
Camden National Corporation,          Boston          June 29, 2001
  Camden, Maine
Dexia S.A.,                           New York        July 2, 2001
  Brussels, Belgium
Israel Discount Bank Limited,         New York        July 5, 2001
  Tel Aviv, Israel
Discount Bancorp, Inc.,
  New York, New York
Marshall & Ilsley Corporation,        Chicago         June 18, 2001
  Milwaukee, Wisconsin
CyberBills, Inc.,
  San Jose, California
Norway Bancorp, MHC,                  Boston          June 29, 2001
  Norway, Maine
Norway Bancorp, Inc.,
  Norway, Maine
PSB Bancorp, Inc.,                    Philadelphia    June 26, 2001
  Philadelphia, Pennsylvania
WFC, Inc.,                            Chicago         June 18, 2001
  Waukon, Iowa
Marshall & Ilsley Corporation,        Chicago         July 9, 2001
  Milwaukee, Wisconsin