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)

Old Kent Bank,             Grand Premier Trust and Investment,
  Grand Rapids, Michigan     Inc., National Association,
                             Freeport, Illinois

Applicant(s)               Reserve Bank    Effective Date

Old Kent Bank,             June 29, 2000
  Grand Rapids, Michigan

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)

Banco Popular North America,      Aurora National Bank,
  New York, New York                Aurora, Illinois
Bank of Orange County,            CalWest Bank,
  Fountain Valley, California       Torrance, California
Effingham State Bank,             Centralia Savings Bank
  Effingham, Illinois               Centralia, Illinois
F&M Bank-Highlands,               Wachovia Bank, National Association,
  Covington, Virginia               Winston-Salem, North Carolina
F&M Bank-Massanutten,             Wachovia Bank, National Association,
  Harrisonburg, Virginia            Winston-Salem, North Carolina,
F&M Bank-Winchester,              Wachovia Bank, National Association,
  Winchester, Virginia              Winston-Salem, North Carolina
First Liberty Bank and Trust,     Mellon Bank, N.A.,
  Jermyn, Pennsylvania              Pittsburgh, Pennsylvania
Mid State Bank,                   The Anchor Bank,
  Newberry, South Carolina          Myrtle Beach, South Carolina
                                  Carolina First Bank,
                                    Greenville, South Carolina
Pinnacle Bank,                    National Bank Commerce Trust &
  Papillion, Nebraska               Savings Association-NBC
                                    Parkway Branch.
                                    Lincoln, Nebraska
Peoples Bank and Trust Company,   First National of Southwestern,
  Sunman, Indiana                   Ohio
                                    Hamilton, Ohio
                                  Santa Barbara Bank & Trust,
                                    Santa Barbara, California
                                  Los Robles Bank,
                                    Thousand Oaks, California
WestStar Bank,                    United Valley Bank,
  Vail, Colorado                     Estes Park, Colorado

Applicant(s)                      Reserve Bank    Effective Date

Banco Popular North America,      New York        June 6, 2000
  New York, New York
Bank of Orange County,            San Francisco   May 25, 2000
  Fountain Valley, California
Effingham State Bank,             St. Louis       June 6, 2000
  Effingham, Illinois
F&M Bank-Highlands,               Richmond        June 15, 2000
  Covington, Virginia
F&M Bank-Massanutten,             Richmond        June 15, 2000
  Harrisonburg, Virginia
F&M Bank-Winchester,
  Winchester, Virginia
First Liberty Bank and Trust,     Philadelphia    May 15, 2000
  Jermyn, Pennsylvania
Mid State Bank,                   Richmond        June 5, 2000
  Newberry, South Carolina
Pinnacle Bank,                    Kansas City     June 9, 2000
  Papillion, Nebraska

Peoples Bank and Trust Company,   San Francisco   June 13, 2000
  Sunman, Indiana

WestStar Bank,                    Kansas City     June 5, 2000
  Vail, Colorado