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)            Bank          Effective Date

Benchmark           Financial          Chicago       May 17, 2000
  Bancorp, Inc.,      Institutions,
  Aurora,             Inc.,
  Illinois            Port
                      Washington,
                      Wisconsin
                    Valley Bank,
                      Verona,
                      Illinois
BOE Financial       Bank of Essex,     Richmond      May 3, 2000
  Services of         Tappahannock,
  Virginia, Inc.,     Virginia
  Tappahannock,
  Virginia
Business            The Business       Minneapolis   May 4, 2000
  Bancorporation,     Bank,
  Inc.,               Minnetonka,
  Minnetonka,         Minnesota
  Minnesota
Central Financial   Mid-America        Kansas City   May 4, 2000
  Corporation,        Bancorporp,
  Hutchinson,         Inc.,
  Kansas              Jewell, Kansas
ColoEast            Citizens Holding   Kansas City   May 4, 2000
  Bankshares,         Corporation,
  Inc.,               Keenesburg,
  Lamar, Colorado     Colorado
Corpus Christi      The First State    Dallas        April 28, 2000
  Bancshares,         Bank,
  Inc.,               Bishop, Texas
  Corpus Christi,
  Texas
Community Pride     Community Pride    Minneapolis   May 5, 2000
  Bank                Bank,
  Corporation,        Ham Lake,
  Ham Lake,           Minnesota
  Minnesota
FCB Bancorp,        The First          St. Louis     April 26, 2000
  Inc.,               Capital Bank
  Louisville,         of Kentucky,
  Kentucky            Louisville,
                      Kentucky
First Business      First Business     Chicago       May 4, 2000
  Bancshares,         Banc Group,
  Inc.,               Ltd.,
  Madison,            Brookfield,
  Wisconsin           Wisconsin
                    First Business
                      Bank-
                      Milwaukee,
                      Brookfield,
                      Wisconsin
First Security      First Security     Minneapolis   April 25, 2000
  Group, Inc.,        Bank of Deer
  Deer Lodge,         Lodge,
  Montana             Deer Lodge,
                      Montana
Lisco State         First Nebraska     Kansas City   May 9, 2000
  Company,            Bancs, Inc.,
  Lisco, Nebraska     Sidney,
                      Nebraska
                    Kimball Bancorp,
                      Inc.,
                      Kimball,
                      Nebraska
Florida Community   Community Bank     Atlanta       May 4, 2000
  Bankshares,         of Marion
  Inc.,               County,
  Ocala, Florida      Ocala, Florida
Futurus Financial   Futurus Bank,      Atlanta       April 28, 2000
  Services, Inc.,     N.A.,
  Alpharetta,         Alpharetta,
  Georgia             Georgia
Hanmi Financial     Hanmi Bank,        San           April 25, 2000
  Corporation,        Los Angeles,       Francisco
  Los Angeles,        California
  California
Ida Grove           American           Chicago       May 12, 2000
  Bancshares,         National Bank,
  Inc.,               Sac City, Iowa
  Ida Grove, Iowa
American
  Bancshares,
  Inc.,
  Holstein, Iowa
Islands Bancorp,    Islands            Richmond      May 11, 2000
  Beaufort,           Community
  South Carolina      Bank, N.A.,
                      Beaufort,
                      South Carolina
Leackco Bank        C & L Investment
  Holding             Company, Inc.,
  Company, Inc.,      Miller, South
  Wolsey, South       Dakota
  Dakota
Midland States      CSB Financial      St. Louis     May 1, 2000
  Bancorp, Inc.,    Group, Inc.,
  Effingham,          Centralia,
  Illinois            Illinois
                    Centralia
                      Savings Bank,
                      Centralia,
                      Illinois
Oswego Community    Oswego             Chicago       May 2, 2000
  Bank Employee       Bancshares,
  Stock Ownership     Inc.,
  Plan,               Oswego,
  Oswego,             Illinois
  Illinois
Regent Bancorp,     Regent Bank,       Atlanta       April 28, 2000
  Inc.,               Davie, Florida
  Davie, Florida
Shamrock            First Bank of      Kansas City   May 3, 2000
  Bancshares,         Apache,
  Inc.,               Apache,
  Coalgate,           Oklahoma
  Oklahoma
SouthernBank        SouthernBank,      Atlanta       May 10, 2000
  Holdings, Inc.,     N.A.,
  Buford, Georgia     Buford,
                      Georgia
The South           Anchor Financial   Richmond      May 22, 2000
  Financial           Corporation,
  Group, Inc.,        Myrtle Beach,
  Greenville,         South Carolina
  South Carolina
State Bank of       Slater             Kansas City   April 20, 2000
  Slater Employee     Bancshares,
  Stock Ownership     Inc.,
  Plan & Trust,       Slater,
  Slater,             Missouri
  Missouri
Troy Financial      The Troy           New York      May 18, 2000
  Corporation,        Commercial
  Troy, New York      Bank,
                      Troy, New York
United Community    North Point        Atlanta       May 15, 2000
  Banks, Inc.,        Bancshares,
  Blairsville,        Inc.,
  Georgia             Dawsonville,
                      Georgia
                    Independent
                      Bancshares,
                      Inc.,
                      Powder
                      Springs,
                      Georgia
                    Dawson County
                      Bank,
                      Dawsonville,
                      Georgia
                    Independent Bank
                      and Trust
                      Company,
                      Powder
                      Springs,
                      Georgia
United Financial    United Community   Chicago       May 12, 2000
  Holdings            Bank of Lisle,
  Corporation,        Lisle,
  Lisle, Illinois     Illinois

Wachovia            Commerce           Richmond      May 17, 2000
  Corporation,        National
  Winston-Salem,      Corporation,
  North Carolina      Winter Park,
                      Florida
                    National Bank of
                      Commerce,
                      Winter Park,
                      Florida

Section 4

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

The Bank of         Fort Thomas        Cleveland     May 25, 2000
  Kentucky            Financial
  Financial           Corporation,
  Corporation,        Florence,
  Florence,           Kentucky
  Kentucky
Commercial          Commercial Bank    Atlanta       May 17, 2000
  Capital             of DeKalb,
  Corporation,        DeKalb,
  DeKalb,             Missouri
  Mississippi
Ellingson           Peterson           Minneapolis   May 25, 2000
  Corporation,        Insurance
  Kenyon,             Agency,
  Minnesota           Kenyon,
                      Minnesota
Firstbank           Gladwin Land       Chicago       April 28, 2000
  Corporation,        Company, Inc.,
  Alma, Michigan      Gladwin,
                      Michigan

Marquette           Trowbridge         Minneapolis   May 8, 2000
  Bancshares,         Kieselhorst &
  Inc.,               Company, Inc.,
  Minneapolis,        San Francisco,
  Minnesota           California
                    Northland/
                      Marquette
                      Capital Group,
                      Inc.,
                      Minneapolis,
                      Minnesota
National Commerce   Prime Financial    St. Louis     May 9, 2000
  Bancorporation,     Services,
  Memphis,            Inc.,
  Tennessee           Dresden,
                      Tennessee
TrustCo Bank Corp   Landmark           New York      May 8, 2000
  NY,                 Financial
  Schenectady,        Corp.,
  New York            Canajoharie,
                      New York
                    Landmark
                      Community
                      Bank,
                      Canajoharie,
                      New York

Sections 3 and 4

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

First Merchants     Decatur            Chicago       May 4, 2000
  Corporation,        Financial,
  Muncie, Indiana     Inc.,
                      Decatur,
                      Indiana
                    Indiana Bankers
                      Life
                      Reinsurance
                      Company of
                      Indiana, Ltd.,
                      Indianapolis,
                      Indiana