APPLICATIONS APPROVED UNDER BANK MERGER ACT: By Federal Reserve Banks.

APPLICATIONS APPROVED UNDER BANK MERGER 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.

Applicant(s)                 Bank(s)

Westamerica Bank,            Bank of Lake County,
  San Rafael, California       Lakeport, California
First Arvest Bank,           Delaware County Bank,
  Siloam Springs, Arkansas     Jay, Oklahoma
The First State Bank,        Broadway National Bank,
  Granger, Texas               San Antonio, Texas
F&M Bank-Emporia,            Wachovia Bank, National Association,
  Emporia, Virginia            Winston-Salem, North Carolina
James River Bank,            One Valley Bank-Central Virginia,
  Waverly, Virginia            National Association,
                               Lynchburg, Virginia
James River Bank/Colonial,   Bank of Suffolk,
  Smithfield, Virginia         Suffolk, Virginia
Somerset Trust Company,      Somerset Interim Bank,
  Somerset, Pennsylvania       Somerset, Pennsylvania

Applicant(s)                 Reserve Bank    Effective Date

Westamerica Bank,            San Francisco   July 19, 2000
  San Rafael, California
First Arvest Bank,           St. Louis       July 6, 2000
  Siloam Springs, Arkansas
The First State Bank,        Dallas          July 7, 2000
  Granger, Texas
F&M Bank-Emporia,            Richmond        June 27, 2000
  Emporia, Virginia
James River Bank,            Richmond        June 30, 2000
  Waverly, Virginia
James River Bank/Colonial,   Richmond        June 30, 2000
  Smithfield, Virginia
Somerset Trust Company,      Cleveland       June 29, 2000
  Somerset, Pennsylvania