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

                                                              Effective
Applicant(s)         Bank(s)                   Reserve Bank     Date

Advantage            Advantage Bank,           Atlanta        April 5,
  Bankshares,          Village of North                         2000
  Inc.,                Palm Beach, Florida
  Village of North
  Palm Beach,
  Florida
Anderson             Anderson Brothers         Richmond       April 20,
  Bancshares,          Bancshares, Inc.,                        2000
  Inc.,                Mullins, South
  Hemingay, South      Carolina
  Carolina           Anderson Brothers Bank,
                       Mullins, South
                       Carolina
Apalachicola State   Apalachicola State        Atlanta        March 30,
  Banking              Bank,                                    2000
  Corporation,       Apalachicola, Florida
  Apalachicola,
  Florida
Bancorp Rhode        Bank Rhode Island,        Boston         April 7,
  Island, Inc.,        Providence, Rhode                        2000
  Providence,          Island
  Rhode Island
Bay National         Bay National Bank,        Richmond       March 30,
  Corporation,         Baltimore, Maryland                      2000
  Baltimore,
  Maryland
BGC Bancorp, Inc.,   Bank of Gibson City,      Chicago        April 14,
  Gibson City,         Gibson City, Illinois                    2000
  Illinois
Border Bancshares,   Border State Bank of      Minneapolis    March 23,
  Inc.,                International Falls,                     2000
  Greenbush,         International Falls,
  Minnesota            Minnesota
Brookline Bancorp,   Lighthouse Bank,          Boston         April 12,
  Inc.,                Waltham,                                 2000
  Brookline,           Massachusetts
  Massachusetts
Brookline Bancorp,
  MHC,
  Brookline,
  Massachusetts
Burton Bancshares,   Burton State Bank,        Dallas         April 19,
  Inc.,                Burton, Texas                            2000
  Burton, Texas
Burton Holdings,
  Inc.,
  Wilmington,
  Delaware
Cardinal Financial   Cardinal                  Richmond       March 29,
  Corporation,         Bank-Alexandria/                         2000
  Fairfax,             Arlington, N.A.,
  Virginia             Alexandria, Virginia
Dentel               Pocahontas                Chicago        April 20,
  Bancorporation,      Bancorporation,                          2000
  Victor, Iowa         Pocahontas, Iowa
                     Pocahontas State Bank,
                       Pocahontas, Iowa
ETN Leasing, Inc.,   East Texas National       Dallas         April 13,
  Palestine, Texas     Bank,                                    2000
                       Palestine, Texas
First Sterling       Main Street Banks,        Atlanta        April 5,
  Bank, Inc.,          Inc.,                                    2000
  Kennesaw,            Covington, Georgia
  Georgia
Greater Bay          Coast Bancorp,            San            April 5,
  Bancorp,             Santa Cruz,             Francisco        2000
  Palo Alto,           California
  California         Coast Commercial Bank,
                       Santa Cruz,
                       California
Indiana United       First Affiliated          Chicago        March 29,
  Bancorp,             Bancorp, Inc.,                           2000
  Greensburg,          Watseka, Illinois
  Indiana
FAB Merger           Capstone Bank, N.A.,
  Corporation,         Watseka, Illinois
  Greensburg,
  Indiana
Maries County        Tritten Bancshares,       St. Louis      April 17,
  Bancorp, Inc.,       Inc.,                                    2000
  Vienna, Missouri     Waynesville, Missouri
Progress
  Bancshares,
  Inc.,
  Sullivan,
  Missouri
NBM Corporation      NBM Corporation,          Kansas City    April 12,
  Employee Stock       McAlester, Oklahoma                      2000
  Ownership Plan,
  McAlester,
  Oklahoma
NBT Bancorp Inc.,    Pioneer American          New York       March 30,
  Norwich, New         Holding Company                          2000
  York                 Corp.,
                       Carbondale,
                       Pennsylvania
                     Pioneer American Bank,
                       National Association,
                       Carbondale,
                       Pennsylvania
RSB Financial,       Reading State Bank,       Kansas City    April 10,
  Inc.,                Reading, Kansas                          2000
  Reading, Kansas
SNB Bancorp, Inc.,   Salyersville National     Cleveland      April 20,
  Salyersville,        Bank,                                    2000
  Kentucky             Salyersville,
                       Kentucky
Tennessee Commerce   Tennessee Commerce        Atlanta        March 31,
  Bancorp,             Bank,                                    2000
  Franklin,            Franklin, Tennessee
  Tennessee
Terre Haute          Terre Haute Savings       Chicago        April 5,
  Savings M.H.C.,      Bank,                                    2000
  Terre Haute,         Terre Haute, Indiana
  Indiana
TrustBanc            TrustBanc,                St. Louis      March 28,
  Financial Group,     Mountain Home,                           2000
  Inc.,                Arkansas
  Mountain Home,
  Arkansas
Waumandee            Waumandee State Bank,     Minneapolis    April 13,
  Bancshares,          Waumandee, Wisconsin                     2000
  Ltd.,
  Waumandee,
  Wisconsin
Weststar Financial   The Bank of Asheville,    Richmond       March 29,
  Services             Asheville, North                         2000
  Corporation,         Carolina
  Asheville, North
  Carolina

Section 4

                     Nonbanking                               Effective
Applicant(s)         Activity/Company          Reserve Bank      Date

BancFirst Ohio       Milton Federal            Cleveland      April 13,
  Corp.,               Financial                                2000
  Zanesville, Ohio     Corporation,
                       West Milton, Ohio
First Banks, Inc.,   First Capital Group,      St. Louis      April 14,
  Creve Coeur,         Inc.,                                    2000
  Missouri             Albuquerque, New
                       Mexico
                     First State Bank
                       of Taos,
                       Taos, New Mexico
Marquette            Marquette Consumer        Minneapolis    March 27,
  Bancshares,          Finance, Inc.,                           2000
  Inc.,                Plymouth, Minnesota
  Minneapolis,
  Minnesota
Mid State Banks,     Cobb Insurance Agency,    Atlanta        March 28,
  Inc.,                Cordele, Georgia                         2000
  Cordele, Georgia
Northern Trust       Carl Domino Associates,   Chicago        April 14,
  Corporation,         L.P.,                                    2000
  Chicago,             West Palm Beach,
  Illinois             Florida
Synovus Financial    ProCard, Inc.,            Atlanta        April 5,
  Corp.,               Golden, Colorado                         2000
  Columbus,
  Georgia
USBANCORP, Inc.,     Standard Mortgage         Philadelphia   April 4,
  Johnstown,           Company,                                 2000
  Pennsylvania         Atlanta, Georgia
                     Three Rivers Bank &
                       Trust Company,
                       Jefferson,
                       Pennsylvania

Sections 3 and 4

                     Nonbanking                               Effective
Applicant(s)         Activity/Company          Reserve Bank     Date

Andover Bancorp,     GBT Bancorp,              Boston         April 10,
  Inc.,                Gloucester,                              2000
  Andover,             Massachusetts
  Massachusetts      Gloucester Bank &
                       Trust Company,
                       Gloucester,
                       Massachusetts
                     Gloucester Investment
                       Corp.,
                       Gloucester,
                       Massachusetts
Klein Financial,     Preferred Bancshares,     Minneapolis    April 5,
  Inc.,                Inc.,                                    2000
  Chaska,              Big Lake, Minnesota
  Minnesota          Preferred Bank,
                       Big Lake, Minnesota
                     Preferred Lenders, LLC,
                       Big Lake, Minnesota