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)

Highlands Union Bank,       First Vantage Bank/Tri-Cities,
  Abingdon, Virginia          Bristol, Virginia
Manufacturers and Traders   Keystone Financial Bank, N.A.,
  Company,                    Harrisburg, Pennsylvania
  Buffalo, New York
Southern Financial Bank,    First Savings Bank of Virginia,
  Warrenton, Virginia         Springfield, Virginia

Applicant(s)                Reserve Bank   Effective Date

Highlands Union Bank,       Richmond       August 14, 2000
  Abingdon, Virginia
Manufacturers and Traders   New York       August 7, 2000
  Company,
  Buffalo, New York
Southern Financial Bank,    Richmond       August 2, 2000
  Warrenton, Virginia