APPLICATIONS APPROVED UNDER BANK MERGER ACT.

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)                   Reserve     Effective
                                                 Bank        Date

Arvest Bank, Fort    Bank of Bentonville,      St. Louis   March 23,
  Smith, Arkansas      Bentonville, Arkansas                 2000
The Bank,            Emerald Coast Bank,       Atlanta     March 29,
  Warrior, Alabama     Panama City Beach,                    2000
                       Florida
                     C&L Bank,
                       Bristol, Florida
Legacy Bank ACB,     Legacy Bank,              Kansas      April 14,
  Binger, Oklahoma     Hinton, Oklahoma          City        2000
                     Legacy Bank TC,
                       Blanchard, Oklahoma