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)                 Bank(s)                     Effective Date

AmSouth Bank,                First American Federal      March 8, 2000
  Birmingham, Alabama          Savings Bank,
                               Dalton, Georgia
Old Kent Bank,               Grand National Bank,        March 6, 2000
  Grand Rapids, Michigan       Wauconda, Illinois

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)

Atlantic Bank,                     Wilmington Trust FSB,
  Ocean City, Maryland               Salisbury, Maryland

Citizens Bank,                     Great Lakes National Bank Michigan,
  Flint, Michigan                    Ann Arbor, Michigan
Citizens Trust Bank,               Mutual Federal Savings Bank of
  Atlanta, Georgia                   Atlanta,
                                     Atlanta, Georgia
CSB Bank,                          Old Kent Bank,
  Capac, Michigan                    Grand Rapids, Michigan
Weldon State Bank and Trust,       Peoples State Bank of Mansfield,
  Weldon, Illinois                   Mansfield, Illinois

Applicant(s)                       Reserve Bank   Effective Date

Atlantic Bank,                     Richmond       March 13, 2000
  Ocean City, Maryland

Citizens Bank,                     Chicago        March 16, 2000
  Flint, Michigan
Citizens Trust Bank,               Atlanta        March 10, 2000
  Atlanta, Georgia

CSB Bank,                          Chicago        March 6, 2000
  Capac, Michigan
Weldon State Bank and Trust,       Chicago        March 22, 2000
  Weldon, Illinois