APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY ACT.

APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY ACT

By the Secretary of the Board

Recent applications have 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)                  Effective Date

The Chase Manhattan         J.P. Morgan & Co.        December 11, 2000
  Corporation,                Incorporated
  New York, New York          New York, New York
                            Morgan Guaranty Trust
                              Company of New York,
                              New York, New York
                            J.P. Morgan FSB,
                              West Palm Beach,
                              Florida
Compass Bancshares, Inc.,   FirsTier Corporation,    December 13, 2000
  Birmingham, Alabama         Northglenn, Colorado
                            FirsTier Bank,
                              Northglenn, Colorado
                            Firstate Bank,
                              Kimball, Nebraska

Section 4

Applicant(s)                Bank(s)                  Effective Date

City National               Reed, Conner &           December 27, 2000
  Corporation,                Birdwell, Inc.,
  Beverly Hills,              Los Angeles,
  California                  California
Wells Fargo & Company,      Conseco Finance Vendor   December 28, 2000
  San Francisco,              Services
  California                  Corporation,
Wells Fargo Financial         Paramus, New Jersey
  Services, Inc.,
  Des Moines, Iowa
Wells Fargo Financial,
  Inc.,
  Des Moines, Iowa
Wells Fargo & Company,      Flagship Credit          December 6, 2000
  San Francisco,              Corporation,
  California                  Philadelphia,
Wells Fargo Financial         Pennsylvania
  Services, Inc.,
  Des Moines, Iowa
Wells Fargo Financial,
  Inc.,
  Des Moines, Iowa

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)            Reserve Bank    Effective Date

1st Financial      Sylvan Agency,     Kansas City     December 11, 2000
  Bancshares,        Inc.,
  Inc.,              Sylvan Grove,
  Shawnee            Kansas
  Mission,         Centerville
  Kansas             State Bank,
                     Centerville,
                     Kansas
Amana              Amana Bank,        Chicago         December 22, 2000
  Bancshares,        Dearborn,
  Inc.,              Michigan
  Southfield,
  Michigan
Bank of America    Bank of America    Richmond        December 20, 2000
  Corporation,       Georgia,
  Charlotte,         National
  North Carolina     Association,
N B Holdings         Atlanta,
  Corporation,       Georgia
  Charlotte,
  North Carolina
Capitol Bancorp    Sunrise Bank of    Chicago         November 30, 2000
  Ltd.,              San Diego,
  Lansing,           San Diego,
  Michigan           California
Sun Community
  Bancorp
  Limited,
  Phoenix,
  Arizona
Sunrise Capital
  Corporation,
  Albuquerque,
  New Mexico
Capital City       First National     Atlanta         December 11, 2000
  Bank Group,        Bankshares of
  Inc.,              West Point,
  Tallahassee,       Inc.,
  Florida            West Point,
                     Georgia
                   First National
                     Bank of West
                     Point,
                     West Point,
                     Georgia
                   First Peoples
                     Bankshares,
                     Inc.,
                     Pine Mountain,
                     Georgia
                   First Mortgage
                     Company,
                     Pine Mountain,
                     Georgia
Central            TTAC Corp.,        Kansas City     December 22, 2000
  Financial          Manhattan,
  Corporation,       Kansas
  Hutchinson,      Community First
  Kansas             National Bank,
                     Manhattan,
                     Kansas
Chemical           Shoreline          Chicago         December 11, 2000
  Financial          Financial
  Corporation,       Corporation,
  Midland,           Benton Harbor,
  Michigan           Michigan
                   Shoreline Bank,
                     Benton Harbor,
                     Michigan
Citizens Bancorp   Citizens Bank      Atlanta         December 11, 2000
  of Oviedo,         of Oviedo,
  Oviedo,            Oviedo,
  Florida            Florida
CNB Holdings,      The Citizens       Cleveland       November 24, 2000
  Inc.,              National Bank
  McConnels-         of McConnels-
  ville, Ohio        ville,
                     McConnels-
                     ville, Ohio
Cooper Lake        The Delta Bank,    Dallas          December 11, 2000
  Financial          Cooper, Texas
  Corporation,
  Cooper, Texas
Eggemeyer          First              San Francisco   December 21, 2000
  Advisory           Professional
  Corp.,             Bank, S.A.,
  Rancho Santa       Santa Monica,
  Fe, California     California
WJR Corp.,
  Rancho Santa
  Fe, California
Castle Creek
  Capital, LLC,
  Rancho Santa
  Fe, California
Castle Creek
  Capital
  Partners
  Fund I, LP,
  Rancho Santa
  Fe, California
Castle Creek
  Capital
  Partners
  Fund IIa,
  Rancho Santa
  Fe, California
Castle Creek
  Capital
  Partners
  Fund IIb,
  Rancho Santa
  Fe, California
F&M National       Community          Richmond        December 20, 2000
  Corporation,       Bankshares of
  Winchester,        Maryland,
  Virginia           Bowie,
                     Maryland
First Bancorp of   The First          Chicago         December 1, 2000
  Taylorville,       National Bank
  Inc.,              of Mt. Auburn,
  Taylorville,       Mt. Auburn,
  Illinois           Illinois
First Banks,       Millennium Bank,   St. Louis       December 12, 2000
  Inc.,              San Francisco,
  St. Louis,         California
  Missouri
First Banks
  America, Inc.,
  St. Louis,
  Missouri
First Banks,       The San            St. Louis       November 29, 2000
  Inc.,              Francisco
  St. Louis,         Company,
  Missouri           San Francisco,
                     California
First Banks        Bank of San
  America, Inc.,     Francisco,
  St. Louis,         San Francisco,
  Missouri           California
First Community    Profesional        San Francisco   December 21, 2000
  Bancorp,           Bancorp, Inc.,
  Rancho Santa       Santa Monica,
  Fe, California     California
First National     Mississippi        Atlanta         December 4, 2000
  Bankers            National
  Bankshares,        Bankers Bank,
  Inc.,              Ridgeland,
  Baton Rouge,       Mississippi
  Louisiana
First National     Wilber Company,    Kansas City     November 27, 2000
  Johnson            Wilber,
  Bancshares,        Nebraska
  Inc.,
  Johnson,
  Nebraska
F.N.B.             Sun Bancorp,       Cleveland       November 27, 2000
  Corporation,       Inc.,
  Hermitage,         Selinsgrove,
  Pennsylvania       Pennsylvania
Goering            BON, Inc.,         Kansas City     December 20, 2000
  Financial          Moundridge,
  Holding            Kansas
  Company
  Partnership,
  L.P.,
  Moundridge,
  Kansas
Goering            Goering            Kansas City     December 20, 2000
  Management         Financial
  Company,           Holding
  LLC,               Company
  Moundridge,        Partnership,
  Kansas             L.P.,
                     Moundridge,
                     Kansas
Heritage Group,    Heritage Bank,     Kansas City     December 14, 2000
  Inc.,              N.A.,
  Aurora,            Doniphan,
  Nebraska           Nebraska
Innes Street       Citizens Bank,     Richmond        December 7, 2000
  Financial          Inc.,
  Corporation,       Salisbury,
  Salisbury,         North Carolina
  North Carolina   Citizens Bank,
                     FSB,
                     Salisbury,
                     North Carolina
Lake Bank          Lake Bank          Minneapolis     December 27, 2000
  Shares, Inc.,      Shares, Inc.,
  Employee           Emmons,
  Stock              Minnesota
  Ownership        The First State
  Plan,              Bank of
  Emmons,            Emmons,
  Minnesota          Emmons,
                     Minnesota
Lenawee Bancorp,   Bank of            Chicago         December 11, 2000
  Inc.,              Washtenaw,
  Adrian,            Saline,
  Michigan           Michigan
Marquette          Commerce Bank of   Minneapolis     December 14, 2000
  Bancshares,        Santa Barbara,
  Inc.,              N.A.,
  Minneapolis,       Santa Barbara,
  Minnesota          California
Mason National     Mason National     Dallas          December 14, 2000
  Bancshares,        Bank,
  Inc.,              Mason, Texas
  Mason, Texas
Mason National
  Bancshares of
  Nevada, Inc.,
  Carson City,
  Nevada
Meader Insurance   1st Financial      Kansas City     December 11, 2000
  Agency, Inc.,      Bancshares,
  Waverly,           Inc.,
  Kansas             Shawnee
                     Mission,
                     Kansas
Merchants and      CBOC, Inc.,        Chicago         November 17, 2000
  Manufacturers      Oconto Falls,
  Bancorpora-        Wisconsin
  tion, Inc.,      Community Bank
  New Berlin,        of Oconto
  Wisconsin          County,
Merchants Merger     Oconto Falls,
  Corp.,             Wisconsin
  New Berlin,
  Wisconsin
Mid-Iowa           Ruthven            Chicago         November 30, 2000
  Bancshares         Investment,
  Co.,               Ltd.,
  Algona, Iowa       Ruthven, Iowa
Mississippi        Southwest Bank     St. Louis       December 12, 2000
  Valley             of Phoenix,
  Bancshares,        Phoenix,
  Inc.,              Arizona
  St. Louis,
  Missouri
Mountain West      Bankwest           Minneapolis     December 21, 2000
  Financial          Financial,
  Corp.,             Inc.,
  Helena,            Kalispell,
  Montana            Montana
Nara Bancorp,      Nara Bank,         San Francisco   December 15, 2000
  Inc.,              Los Angeles,
  Los Angeles,       California
  California
North Texas        Park Cities        Dallas          November 28, 2000
  Bancshares,        Bank,
  Inc.,              Dallas, Texas
  Dallas, Texas
North Texas
  Bancshares of
  Delaware,
  Inc.,
  Wilmington,
  Delaware
Northwest Mutual   Northwest          Boston          December 15, 2000
  Holding            Community
  Company,           Bank,
  Winsted,           Winsted,
  Connecticut        Connecticut
Litchfield         Litchfield
  Mutual Holding     Bancorp,
  Company,           Litchfield,
  Litchfield,        Connecticut
  Connecticut ,
Northwest          Village Bank       Chicago         December 14, 2000
  Suburban           and Trust,
  Bancorp, Inc.,     North
  Mount              Barrington,
  Prospect,          Illinois
  Illinois
OSB Financial      Orange Savings     Dallas          November 24, 2000
  Services,          Bank, SSB,
  Inc.,              Orange, Texas
  Orange, Texas
OSB Delaware
  Financial
  Services,
  Inc.,
  Dover,
  Delaware
PAB Bankshares,    FCB Interim        Atlanta         December 8, 2000
  Inc.,              Bank,
  Valdosta,          Ocala, Florida
  Georgia          Friendship
                     Community
                     Bank,
                     Ocala, Florida
Pacifica           Pacifica Bank,     San Francisco   November 21, 2000
  Bancorp, Inc.,     Bellevue,
  Bellevue,          Washington
  Washington
Seacoast           Home Port          Boston          December 11, 2000
  Financial          Bancorp, Inc.,
  Services           Nantucket,
  Corporation,       Massachusetts
  New Bedford,     Nantucket Bank,
  Massachusetts      Nantucket,
                     Massachusetts
Sooner Southwest   The First          Kansas City     December 14, 2000
  Bankshares,        National
  Inc.,              Bancorporation
  Tulsa,             of Heavener,
  Oklahoma           Oklahoma,
                     Inc.,
                     Heavener,
                     Oklahoma
Southern           Southern           Atlanta         November 27, 2000
  Community          Community Bank
  Bancorp,           of Southwest
  Orlando,           Florida,
  Florida            Bonita
                     Springs,
                     Florida
Southwest          Citizens           Dallas          November 28, 2000
  Bancorporation     Bankers, Inc.,
  of Texas,          Baytown,
  Inc.,              Texas
  Houston,         Citizens Bankers
  Texas              of Delaware,
Southwest            Inc.,
  Holding            Wilmington,
  Delaware,          Delaware
  Inc.,
  Wilmington,
  Delaware
Spectrum           Great Western      Chicago         November 27, 2000
  Bancorpora-        Securities,
  tion, Inc.,        Inc.,
  Omaha,             Omaha,
  Nebraska           Nebraska
TTAC Corp.,        Community First    Kansas City     November 27, 2000
  Manhattan,         National Bank,
  Kansas             Manhattan,
                     Kansas
Whitney Holding    American Bank,     Atlanta         November 29, 2000
  Corporation,       Houston,
  New Orleans,       Texas
  Louisiana
Yankee Ridge,      State Bank of      Chicago         November 22, 2000
  Inc.,              Allerton,
  Allerton,          Allerton,
  Illinois           Illinois
                   Philo Exchange
                     Bank,
                     Philo,
                     Illinois

Section 4

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

Bank Hapoalim      Signature          New York        December 20, 2000
  B.M.,              Securities
  Tel Aviv,          Group
  Israel             Corporation,
                     New York,
                     New York
Zohar Hashemesh
  Le'Hashkaot
  Ltd.,
  Tel Aviv,
  Israel
Hapoalim U.S.A.
  Holding
  Company, Inc.,
  New York,
  New York
Arison Holdings
  (1998) Ltd.,
  Tel Aviv,
  Israel
Israel Salt
  Industries
  Ltd.,
  Atlit, Israel
Bank of            Moneris            Chicago         November 15, 2000
  Montreal,          Solutions
  Toronto,           Corporation,
  Ontario,           Buffalo Grove,
  Canada             Illinois
                   Moneris
                     Solutions,
                     Inc.,
                     Buffalo Grove,
                     Illinois
Bayerische         Bank Austria AG,   New York        December 28, 2000
  Hypo-und           Vienna,
  Vereinsbank        Austria
  AG,
  Munich,
  Germany
Chesapeake         Chesapeake Trust   Richmond        December 21, 2000
  Financial          Company,
  Shares, Inc.,      Kilmarnock,
  Kilmarnock,        Virginia
  Virginia
Citigroup, Inc.,   Geneva Group,      New York        December 22, 2000
  New York,          Inc.,
  New York           Irvine,
                     California
Covenant           To engage de       Atlanta         November 30, 2000
  Bancgroup,         novo in
  Inc.,              securities
  Leeds, Alabama     brokerage
                     services
Dresdner Bank      Wasserstein        New York        December 11, 2000
  Aktiengesell-      Perella Group,
  schaft,            Inc.,
  Frankfurt,         New York,
  Germany            New York
Fifth Third        Resource           Cleveland       December 8, 2000
  Bancorp,           Management
  Cincinnati,        Inc.,
  Ohio               Cleveland,
                     Ohio
Irwin Financial    Irwin Union        Chicago         December 1, 2000
  Corporation,       Bank, F.S.B.,
  Columbus,          Louisville,
  Indiana            Kentucky
Manning            To engage de       Chicago         December 20, 2000
  Financial          novo in
  Services,          extending
  Inc.,              credit and
  Manning,           servicing
  Iowa               loans
Mizuho Holdings,   Dealerconx,        New York        December 8, 2000
  Inc.,              Inc.,
  Tokyo,             Livingston,
  Japan              New Jersey
The Dai-Ichi       The CIT Group,
  Kangyo Bank,       Inc.,
  Limited,           New York,
  Tokyo, Japan       New York
National           Charles F. Curry   Chicago         December 27, 2000
  Australia Bank     Company,
  Limited,           Kansas City,
  Melbourne,         Missouri
  Australia
HomeSide
  Lending, Inc.,
  Jacksonville,
  Florida
SSB Management     Wilber Company,    Kansas City     November 27, 2000
  L.L.C.,            Wilber,
  Wilber,            Nebraska
  Nebraska         Saline State
                     Insurance
                     Agency,
                     L.L.C.,
                     Wilber,
                     Nebraska
Sturm Financial    Community          Kansas City     December 18, 2000
  Group, Inc.,       Financial
  Denver,            Services,
  Colorado           Inc.,
                     Denver,
                     Colorado
Westdeutsche       Gulfstream         New York        December 8, 2000
  Landesbank         Global
  Girozentrale,      Investors,
  Dusseldolf,        Ltd.,
  Germany            Addison, Texas
Wilber Company,    Saline State       Kansas City     November 27, 2000
  Wilber,            Insurance
  Nebraska           Agency,
                     L.L.C.,
                     Wilber,
                     Nebraska