APPLICATIONS APPROVED UNDER BANK MERGER ACT.

APPLICATIONS APPROVED UNDER BANK MERGER ACT
By the Secretary of the Board

Recent applications have been 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.

Applicant(s)                Banks

Merrill Merchants Bank,     First National Bank of Bar Harbor,
  Bangor, Maine               Bar Harbor, Maine

Applicant(s)                Effective Date

Merrill Merchants Bank,     February 10, 2000
  Bangor, Maine
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)

CivicBank of Commerce,      East County Bank,
  Oakland, California         Antioch, California
European American Bank,     Olympian Bank,
  New York, New York          Brooklyn, New York
Gold Bank,                  First Business Bank, N.A.,
  Leawood, Kansas             Kansas City, Missouri
Ravalli County Bank,        Glacier Bank,
  Hamilton, Montana           Kalispell, Montana
Springdale Bank & Trust,    The First National Bank of Huntsville,
  Springdale, Arkansas        Huntsville, Arkansas

Applicant(s)                Reserve Bank        Effective Date

CivicBank of Commerce,      San Francisco       February 10, 2000
  Oakland, California
European American Bank,     New York            February 23, 2000
  New York, New York
Gold Bank,                  Kansas City         January 24, 2000
  Leawood, Kansas
Ravalli County Bank,        Minneapolis         February 15, 2000
  Hamilton, Montana
Springdale Bank & Trust,    St. Louis           February 9, 2000
  Springdale, Arkansas