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

Section 3

Applicant(s)                Bank(s)

Compass Bancshares, Inc.,   Western Bancshares of Albuquerque, Inc.,
  Birmingham, Alabama         Albuquerque, New Mexico

Applicant(s)                Effective Date

Compass Bancshares, Inc.,   November 5, 1999
  Birmingham, Alabama

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)

Area Bancshares, Corporation,        Lyon Bancorp, Inc.,
  Owensboro, Kentucky                  Eddyville, Kentucky
                                     Peoples Bank of Murray,
                                       Kentucky,
                                       Murray, Kentucky
                                     Dees Bank of Hazel,
                                       Hazel, Kentucky
                                     Bank of Livingston County,
                                       Tiline, Kentucky
Arvest Bank Group, Inc.,             The First National Bank of
  Bentonville, Arkansas                Huntsville,
                                       Huntsville, Arkansas
Bank of America Corporation,         Bank of America, N.A.,
  Charlotte, North Carolina            Charlotte, North Carolina
NB Holdings Corporation,             Lake-Osceola State Bank,
  Charlotte, North Carolina            Baldwin, Michigan
Camden National Corporation,         KSB Bancorp, Inc.,
  Camden, Maine                        Kingfield, Maine
                                     Kingfield Savings Bank,
                                       Kingfield, Maine
Capitol Bancorp Ltd.,                Nevada Community Bancorp
  Lansing, Michigan                    Limited,
                                       Las Vegas, Nevada
Sun Community Bancorp Limited,
  Phoenix, Arizona
Charter Banking Corp.,               Columbia Bank,
  Tampa, Florida                       Tampa, Florida
Community First Bankshares, Inc.,    River Acquisition Corp.,
  Fargo, North Dakota                  Minneapolis, Minnesota
Community First National Bank,       River Bancorp., Inc.,
  Fergus Falls, Minnesota              Ramsey, Minnesota
                                     Northland Security Bank,
                                       Ramsey, Minnesota
The Employee Stock and Ownership     First Grayson Bancshares, Inc.
  Trust of First Grayson               Waco, Texas
  Bancshares, Inc.,
  Celeste, Texas
Farmers and Merchants Bancshares,    Farmers and Merchants Bank and
  Inc.,                                Trust,
  Burlington, Iowa                     Mount Pleasant, Iowa
Farmers & Merchants Investment,      North Central Bancorp, Inc.,
  Inc.,                                Norfolk, Nebraska
  Milford, Nebraska
First Bancshares Corporation,        Baybank Corporation,
  Gladstone, Michigan                  Gladstone, Michigan
First Delta Bankshares, Inc.,        Merchants and Planters Bank,
  Blytheville, Arkansas                Manila, Arkansas
First Manitowoc Bancorp, Inc.        Dairy State Financial
  Manitowoc, Wisconsin                 Services, Inc.,
                                       Plymouth, Wisconsin
                                     Dairy State Bank,
                                       Plymouth, Wisconsin
First Minden Bancshares, Inc.,       First National Bank and Trust
  Minden, Nebraska                     Company of Minden,
                                       Minden, Nebraska
First State Financial Corporation,   First State Bank of Pinellas,
  Sarasota, Florida                    St. Petersburg, Florida
F.N.B. Corporation,                  Sun Bancorp, Inc.,
  Hermitage, Pennsylvania              Selinsgrove, Pennsylvania
Gideon Enterprises, L.P.,            Silver Lake Bank,
  Topeka, Kansas                       Topeka, Kansas
Gold Banc Corporation,               Union Bankshares, Ltd.,
  Leawood, Kansas                      Denver, Colorado
Gold Banc Acquisition Corporation    Union Bank and Trust,
  VIII, Inc.,                          Denver, Colorado
  Leawood, Kansas
Great River Banshares Corporation,   Henry County Bank,
  Burlington, Iowa                     Mount Pleasant, Iowa
Greenville First Bancshares, Inc.,   Greenville First Bank, N.A.,
  Greenville, South Carolina           Greenville, South Carolina
Heritage Commerce Corp.,             Heritage Bank South Bay,
  San Jose, California                 Morgan Hill, California
Interbancorp,                        Inter Bank,
  Duvall, Washington                   Duvall, Washington
Interim First Capital Corporation,   First Capital Bancorp, Inc.,
  Norcross, Georgia                    Norcross, Georgia
                                     First Capital Bank,
                                       Norcross, Georgia
Intermountain First Bancorp,         Nevada First Bank,
  Las Vegas, Nevada                    Las Vegas, Nevada
JD Financial Group, Inc.,            Pan American Bank,
  Evanston, Illinois                   Chicago, Illinois
Lake Michigan Financial              The Bank of Northern Michigan,
  Corporation,                         Petoskey, Michigan
  Holland, Michigan
Merchants & Manufacturers            Pyramid Bancorp.,
  Bancorp,                             Grafton, Wisconsin
  New Berlin, Wisconsin              Grafton State Bank,
Merchants Merger Corp.,                Grafton, Wisconsin
  New Berlin, Wisconsin
Miles Independent Bancorporation,    The Bank of Advance,
  Inc.,                                Advance, Missouri
  Advance, Missouri                  The First National Bank of
                                       Lerna,
                                       Lerna, Illinois
Miles Bancshares, Inc.,              Bowen State Bank,
  Advance, Missouri                    Bowen, Illinois
NBT Bancorp Inc.,                    Lake Ariel Bancorp, Inc,
  Norwich, New York                    Lake Ariel, Pennsylvania
                                     LA Bank, N.A.,
                                       Lake Ariel, Pennsylvania
North American Bancshares, Inc.,     Marble Falls National
  Sherman, Texas                       Bancshares, Inc.,
                                       Marble Falls, Texas
Northern Plains Investment, Inc.,    North Star Holding Company,
  Jamestown, North Dakota              Inc.,
                                       Jamestown, North Dakota
NorthStar Bancshares, Inc.,          NorthStar Bank,
  Estherville, Iowa                    Esterville, Iowa
Pacific Crest Capital, Inc.,         Pacific Crest Bank,
  Agoura Hills, California             Agoura Hills, California
Paradigm Bancorporation, Inc.,       Dayton State Bank,
  Houston, Texas                       Dayton, Texas
Regal Bancorp, Inc.,                 Regal Bank & Trust,
  Owings Mills, Maryland               Owings Mills, Maryland
                                     Regal Savings Bank, FSB,
                                       Owings Mills, Maryland
Regions Financial Corporation,       LCB Corporation,
  Birmingham, Alabama                  Fayetteville, Tennessee
                                     Lincoln County Bank,
                                       Fayetteville, Tennessee
Regions Financial Corporation,       Minden Bancshares, Inc.,
  Birmingham, Alabama                  Minden, Louisiana
                                     Minden Bank & Trust Company,
                                       Minden, Louisiana
SNB Holdings, Inc.,                  Slocomb National Bank,
  Slocomb, Alabama                     Slocomb, Alabama
State Bank of Cokato Employee        Cokato Bancshares, Inc.,
  Stock Ownership Plan and Trust,      Cokato, Minnesota
  Cokato, Minnesota                  State Bank of Cokato,
State Bank of Cokato Employee          Cokato, Minnesota
  Stock Ownership Plan and
  Trust II,
  Cokato, Minnesota
St. Elizabeth Bancshares, Inc.,      Bank of St. Elizabeth,
  St. Elizabeth, Missouri              St. Elizabeth, Missouri
Team Financial Acquisition           Team Financial Employees Stock
  Subsidiary, Inc.,                    Ownership Plan,
  Paola, Kansas                        Paola, Kansas
Team Financial, Inc.,                ComBankshares, Inc.,
  Paola, Kansas                        Prairie Village, Kansas
                                     Community Bank of Chapman,
                                       Chapman, Kansas
Texas Independent Bancshares, Inc.,  American Independent
  Texas City, Texas                    Bancshares, Inc.,
                                       Santa Fe, Texas
Tompkins Trustco, Inc.,              Letchworth Independent
  Ithaca, New York                     Bancshares Corporation,
                                       Castile, New York
                                     The Bank of Castile,
                                       Castile, New York
                                     The Mahopac National Bank,
                                       Mahopac, New York
Uwharrie Capital Corp,               Anson Bancorp, Inc.,
  Albemarle, North Carolina            Wadesboro, North Carolina
VIB Corp,                            Kings River Bancorp,
  El Centro, California                Reedley, California
                                     Kings River State Bank,
                                       Reedley, California
Westborough Bancorp, M.H.C.,         Westborough Savings Bank,
  Westborough, Massachusetts           Westborough, Massachusetts
Westborough Financial Services,
  Inc.,
  Westborough, Massachusetts
Wilson & Muir Bancorp, Inc.,         Farmers Bank of Vice Grove,
  Bardstown, Kentucky                  Vine Grove, Kentucky

Applicant(s)                         Reserve Bank

Area Bancshares, Corporation,        St. Louis
  Owensboro, Kentucky
Arvest Bank Group, Inc.,             St. Louis
  Bentonville, Arkansas
Bank of America Corporation,         Richmond
  Charlotte, North Carolina
NB Holdings Corporation,
  Charlotte, North Carolina
Camden National Corporation,         Boston
  Camden, Maine
Capitol Bancorp Ltd.,                Chicago
  Lansing, Michigan
Sun Community Bancorp Limited,
  Phoenix, Arizona
Charter Banking Corp.,               Atlanta
  Tampa, Florida
Community First Bankshares, Inc.,    Minneapolis
  Fargo, North Dakota
Community First National Bank,
  Fergus Falls, Minnesota
The Employee Stock and Ownership     Dallas
  Trust of First Grayson
  Bancshares, Inc.,
  Celeste, Texas
Farmers and Merchants Bancshares,    Chicago
  Inc.,
  Burlington, Iowa
Farmers & Merchants Investment,      Kansas City
  Inc.,
  Milford, Nebraska
First Bancshares Corporation,        Minneapolis
  Gladstone, Michigan
First Delta Bankshares, Inc.,        St. Louis
  Blytheville, Arkansas
First Manitowoc Bancorp, Inc.        Chicago
  Manitowoc, Wisconsin
First Minden Bancshares, Inc.,       Kansas City
  Minden, Nebraska
First State Financial Corporation,   Atlanta
  Sarasota, Florida
F.N.B. Corporation,                  Cleveland
  Hermitage, Pennsylvania
Gideon Enterprises, L.P.,            Kansas City
  Topeka, Kansas
Gold Banc Corporation,               Kansas City
  Leawood, Kansas
Gold Banc Acquisition Corporation
  VIII, Inc.,
  Leawood, Kansas
Great River Banshares Corporation,   Chicago
  Burlington, Iowa
Greenville First Bancshares, Inc.,   Richmond
  Greenville, South Carolina
Heritage Commerce Corp.,             San Francisco
  San Jose, California
Interbancorp,                        San Francisco
  Duvall, Washington
Interim First Capital Corporation,   Atlanta
  Norcross, Georgia
Intermountain First Bancorp,         San Francisco
  Las Vegas, Nevada
JD Financial Group, Inc.,            Chicago
  Evanston, Illinois
Lake Michigan Financial              Chicago
  Corporation,
  Holland, Michigan
Merchants & Manufacturers            Chicago
  Bancorp,
  New Berlin, Wisconsin
Merchants Merger Corp.,
  New Berlin, Wisconsin
Miles Independent Bancorporation,    St. Louis
  Inc.,
  Advance, Missouri
Miles Bancshares, Inc.,
  Advance, Missouri
NBT Bancorp Inc.,                    New York
  Norwich, New York
North American Bancshares, Inc.,     Dallas
  Sherman, Texas
Northern Plains Investment, Inc.,    Minneapolis
  Jamestown, North Dakota
NorthStar Bancshares, Inc.,          Chicago
  Estherville, Iowa
Pacific Crest Capital, Inc.,         San Francisco
  Agoura Hills, California
Paradigm Bancorporation, Inc.,
  Houston, Texas
Regal Bancorp, Inc.,                 Richmond
  Owings Mills, Maryland
Regions Financial Corporation,       Atlanta
  Birmingham, Alabama
Regions Financial Corporation,       Atlanta
  Birmingham, Alabama
SNB Holdings, Inc.,                  Atlanta
  Slocomb, Alabama
State Bank of Cokato Employee        Minneapolis
  Stock Ownership Plan and Trust,
  Cokato, Minnesota
State Bank of Cokato Employee
  Stock Ownership Plan and
  Trust II,
  Cokato, Minnesota
St. Elizabeth Bancshares, Inc.,      St. Louis
  St. Elizabeth, Missouri
Team Financial Acquisition           Kansas City
  Subsidiary, Inc.,
  Paola, Kansas
Team Financial, Inc.,
  Paola, Kansas
Texas Independent Bancshares, Inc.,  Dallas
  Texas City, Texas
Tompkins Trustco, Inc.,              New York
  Ithaca, New York
Uwharrie Capital Corp,               Richmond
  Albemarle, North Carolina
VIB Corp,                            San Francisco
  El Centro, California
Westborough Bancorp, M.H.C.,         Boston
  Westborough, Massachusetts
Westborough Financial Services,
  Inc.,
  Westborough, Massachusetts
Wilson & Muir Bancorp, Inc.,         St. Louis
  Bardstown, Kentucky

Applicant(s)                         Effective Date

Area Bancshares, Corporation,        November 4, 1999
  Owensboro, Kentucky
Arvest Bank Group, Inc.,             October 29, 1999
  Bentonville, Arkansas

Bank of America Corporation,         November 24, 1999
  Charlotte, North Carolina
NB Holdings Corporation,
  Charlotte, North Carolina
Camden National Corporation,         November 10, 1999
  Camden, Maine
Capitol Bancorp Ltd.,                November 10, 1999
  Lansing, Michigan
Sun Community Bancorp Limited,
  Phoenix, Arizona
Charter Banking Corp.,               October 25, 1999
  Tampa, Florida
Community First Bankshares, Inc.,    November 10, 1999
  Fargo, North Dakota
Community First National Bank,
  Fergus Falls, Minnesota
The Employee Stock and Ownership     November 10, 1999
  Trust of First Grayson
  Bancshares, Inc.,
  Celeste, Texas
Farmers and Merchants Bancshares,    November 1, 1999
  Inc.,
  Burlington, Iowa
Farmers & Merchants Investment,      November 24, 1999
  Inc.,
  Milford, Nebraska
First Bancshares Corporation,        November 10, 1999
  Gladstone, Michigan
First Delta Bankshares, Inc.,        November 18, 1999
  Blytheville, Arkansas
First Manitowoc Bancorp, Inc.        November 3, 1999
  Manitowoc, Wisconsin
First Minden Bancshares, Inc.,       November 10, 1999
  Minden, Nebraska

First State Financial Corporation,   November 10, 1999
  Sarasota, Florida
F.N.B. Corporation,                  November 1, 1999
  Hermitage, Pennsylvania
Gideon Enterprises, L.P.,            November 9, 1999
  Topeka, Kansas
Gold Banc Corporation,               November 4, 1999
  Leawood, Kansas
Gold Banc Acquisition Corporation
  VIII, Inc.,
  Leawood, Kansas
Great River Banshares Corporation,   November 15, 1999
  Burlington, Iowa
Greenville First Bancshares, Inc.,   November 2, 1999
  Greenville, South Carolina
Heritage Commerce Corp.,             November 12, 1999
  San Jose, California
Interbancorp,                        October 28, 1999
  Duvall, Washington
Interim First Capital Corporation,   October 25, 1999
  Norcross, Georgia
Intermountain First Bancorp,         October 21, 1999
  Las Vegas, Nevada
JD Financial Group, Inc.,            November 2, 1999
  Evanston, Illinois
Lake Michigan Financial              November 15, 1999
  Corporation,
  Holland, Michigan
Merchants & Manufacturers            November 23, 1999
  Bancorp,
  New Berlin, Wisconsin
Merchants Merger Corp.,
  New Berlin, Wisconsin
Miles Independent Bancorporation,    October 22, 1999
  Inc.,
  Advance, Missouri
Miles Bancshares, Inc.,
  Advance, Missouri
NBT Bancorp Inc.,                    November 19, 1999
  Norwich, New York
North American Bancshares, Inc.,     November 18, 1999
  Sherman, Texas
Northern Plains Investment, Inc.,    November 4, 1999
  Jamestown, North Dakota
NorthStar Bancshares, Inc.,          November 10, 1999
  Estherville, Iowa
Pacific Crest Capital, Inc.,         November 17, 1999

  Agoura Hills, California
Paradigm Bancorporation, Inc.,       November 10, 1999
  Houston, Texas
Regal Bancorp, Inc.,                 November 8, 1999
  Owings Mills, Maryland
Regions Financial Corporation,       November 3, 1999
  Birmingham, Alabama
Regions Financial Corporation,       November 3, 1999
  Birmingham, Alabama
SNB Holdings, Inc.,                  October 25, 1999
  Slocomb, Alabama
State Bank of Cokato Employee        November 15, 1999
  Stock Ownership Plan and Trust,
  Cokato, Minnesota
State Bank of Cokato Employee
  Stock Ownership Plan and
  Trust II,
  Cokato, Minnesota
St. Elizabeth Bancshares, Inc.,      November 10, 1999
  St. Elizabeth, Missouri
Team Financial Acquisition           November 17, 1999
  Subsidiary, Inc.,
  Paola, Kansas
Team Financial, Inc.,
  Paola, Kansas
Texas Independent Bancshares, Inc.,  November 18, 1999
  Texas City, Texas
Tompkins Trustco, Inc.,              November 10, 1999
  Ithaca, New York
Uwharrie Capital Corp,               October 28, 1999
  Albemarle, North Carolina
VIB Corp,                            November 10, 1999
  El Centro, California
Westborough Bancorp, M.H.C.,         November 17, 1999
  Westborough, Massachusetts
Westborough Financial Services,
  Inc.,
  Westborough, Massachusetts
Wilson & Muir Bancorp, Inc.,         November 22, 1999
  Bardstown, Kentucky

Section 4

Applicant(s)                       Nonbanking Activity/Company

ANB Bankcorp, Inc.,                To engage in data processing
  Bristow, Oklahoma                  activities
Banco Santander Central Hispano,   To engage de novo in certain
  S.A.,                              leasing activities
  Madrid, Spain
Bay Banks of Virginia, Inc.,       Bay Trust Company,
  Kilmarnock, Virginia               Kilmarnock, Virginia
BostonFed Bancorp, Inc.,           Diversified Ventures, Inc., d/b/a
  Burlington, Massachusetts          Forward Financial Company,
                                     Northborough, Massachusetts
Cera Stichting VZW,                Cera Holding, C.V.,
  Leuven, Belgium                    Leuven, Belgium
Cera Beheersmaatschappij NV,       Cera Ancora NV,
  Leuven, Belgium                    Leuven, Belgium
                                   Almanij, N.V.,
                                     Antwerp, Belgium,
                                   KBC Bank & Insurance Holding
                                     Company, N.V.,
                                     Brussels, Belgium
                                   KBC Bank, N.V.,
                                     Brussels, Belgium
                                   D.E. Shaw & Co., L.P.,
                                     New York, New York
Commerce Bancorp, Inc.,            Chester Valley Bancorp,
  Cherry Hill, New Jersey            Cherry Hill, New Jersey
Dai-Ichi Kangyo Bank, Limited,     Heller Financial Inc.,
  Tokyo, Japan                       Chicago, Illinois
                                   CIT Group, Inc.,
                                     New York, New York
Eagle Bancshares, Inc.,            Texas Bank, S.S.B.,
  Fairfield, Texas                   Buffalo, Texas
Fairfield Holdings,
  Fairfield, Texas
First National Banc, Inc.,         First National Insurance Agency,
  St. Marys, Georgia                 Inc.,
                                     Woodbine, Georgia
GBT Bancorp,                       Gloucester Investment
  Gloucester, Massachusetts          Corporation,
                                     Gloucester, Massachusetts
Hartford Financial Corporation,    City Insurance and Financial
  Hartford, Alabama                  Services, Inc.,
                                     Hartford, Alabama
Hometown Bancorp, Ltd.,            Hometown Mortgage Services, Inc.,
  Fond du Lac, Wisconsin             Fond du Lac, Wisconsin
Iowa State Bank Holding Company,   Capitol Partners, L.C.,
  Des Moines, Iowa                   Des Moines, Iowa
Larch Bancorporation, Inc.,        To engage de novo in extending
  Larchwood, Iowa                    credit and servicing loans
M & F Bancorp, Inc.,               Fidelity National Loans, Inc.,
  Holly Springs, Mississippi         Holly Springs, Mississippi
McCook National Company,           Maplewood Apartments, L.L.C.,
  McCook, Nebraska                   McCook, Nebraska
PAB Bankshares, Inc.,              Baxley Federal Savings Bank,
  Valdosta, Georgia                  Baxley, Georgia
PNC Bank Corp.,                    First Data Investor Services
  Pittsburgh, Pennsylvania           Group, Inc.,
                                     Westborough, Massachusetts
Provident Financial Group, Inc.,   Fidelity Financial of Ohio, Inc.,
  Cincinnati, Ohio                   Cincinnati, Ohio
                                   Centennial Bank,
                                     Cincinnati, Ohio
Provident Financial Group, Inc.,   OHSL Financial Corporation,
  Cincinnati, Ohio                   Cincinnati, Ohio

Applicant(s)                       Reserve Bank    Effective Date

ANB Bankcorp, Inc.,                Kansas City     October 27, 1999
  Bristow, Oklahoma
Banco Santander Central Hispano,   New York        October 28, 1999
  S.A.,
  Madrid, Spain
Bay Banks of Virginia, Inc.,       Richmond        November 8, 1999
  Kilmarnock, Virginia
BostonFed Bancorp, Inc.,           Boston          November 5, 1999
  Burlington, Massachusetts
Cera Stichting VZW,                New York        October 29, 1999
  Leuven, Belgium
Cera Beheersmaatschappij NV,
  Leuven, Belgium
Commerce Bancorp, Inc.,            Philadelphia    October 28, 1999
  Cherry Hill, New Jersey
Dai-Ichi Kangyo Bank, Limited,     San Francisco   November 5, 1999
  Tokyo, Japan
Eagle Bancshares, Inc.,            Dallas          October 25, 1999
  Fairfield, Texas
Fairfield Holdings,
  Fairfield, Texas
First National Banc, Inc.,         Atlanta         October 21, 1999
  St. Marys, Georgia
GBT Bancorp,                       Boston          November 12, 1999
  Gloucester, Massachusetts
Hartford Financial Corporation,    Atlanta         November 3, 1999
  Hartford, Alabama
Hometown Bancorp, Ltd.,            Chicago         November 17, 1999
  Fond du Lac, Wisconsin
Iowa State Bank Holding Company,   Chicago         November 15, 1999
  Des Moines, Iowa
Larch Bancorporation, Inc.,        Chicago         November 3, 1999
  Larchwood, Iowa
M & F Bancorp, Inc.,               St. Louis       November 10, 1999
  Holly Springs, Mississippi
McCook National Company,           Kansas City     November 10, 1999
  McCook, Nebraska
PAB Bankshares, Inc.,              Atlanta         November 5, 1999
  Valdosta, Georgia
PNC Bank Corp.,                    Cleveland       November 8, 1999
  Pittsburgh, Pennsylvania
Provident Financial Group, Inc.,   Cleveland       November 17, 1999
  Cincinnati, Ohio
Provident Financial Group, Inc.,   Cleveland       October 25, 1999
  Cincinnati, Ohio

Sections 3 and 4

Applicant(s)                       Nonbanking Activity/Company

Graft Family, Inc.,                McCook National Company,
  McCook, Nebraska                   McCook, Nebraska
                                   The McCook National Bank,
                                     McCook, Nebraska
                                   Maplewood Apartments, L.L.C.,
                                     McCook, Nebraska
North Central Bancorp, Inc.,       Bank of Norfolk,
  Norfolk, Nebraska                  Norfolk, Nebraska
                                   Columbus Financial Corporation,
                                     Columbus, Nebraska
                                   Columbus Federal Savings Bank,
                                     Columbus, Nebraska
The Royal Bank of Scotland Group   RBSG International Holdings
  plc,                               Limited,
  Edinburgh, Scotland                Edinburgh, Scotland
                                   Citizens Financial Group, Inc.,
The Royal Bank of Scotland plc,      Providence, Rhode Island
  Edinburgh, Scotland              UST Corp.,
                                     Boston, Massachusetts
South Central Bancshares of        First Deposit Bancshares, Inc.,
  Kentucky, Inc.,                    Tompkinsville, Kentucky
  Horse Cave, Kentucky             Deposit Bank of Monroe County,
                                     Tompkinsville, Kentucky
                                   South Central Savings Bank, FSB,
                                     Edmonton, Kentucky

Applicant(s)                       Reserve Bank   Effective Date

Graft Family, Inc.,                Kansas City    November 10, 1999
  McCook, Nebraska
North Central Bancorp, Inc.,       Kansas City    October 27, 1999
  Norfolk, Nebraska
The Royal Bank of Scotland Group   Boston         November 19, 1999
  plc,
  Edinburgh, Scotland
The Royal Bank of Scotland plc,
  Edinburgh, Scotland
South Central Bancshares of        St. Louis      October 22, 1999
  Kentucky, Inc.,
  Horse Cave, Kentucky