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)

Baylake Bank,                     Baylake Bank, N.A.,
  Sturgeon Bay, Wisconsin           Poy Sippi, Wisconsin
F&M Bank-Northern Virginia,       Security Bank Corporation,
  Fairfax, Virginia                 Manassas, Virginia
First Liberty Bank & Trust,       NBO National Bank,
  Jermyn, Pennsylvania              Olyphant, Pennsylvania
First Virginia Bank-Southwest,    First Virginia Bank-Clinch Valley,
  Roanoke, Virginia                 Tazewell, Virginia
                                  First Virginia Bank-Piedmont,
                                    Lynchburg, Virginia
                                  First Virginia Bank-Franklin
                                    county, Rocky Mount, Virginia
Manufacturers and Traders Trust   First National Bank of Rochester,
  Company,                          Rochester, New York
  Buffalo, New York

Applicant(s)                      Reserve Bank   Effective Date

Baylake Bank,                     Chicago        February 5, 1999
  Sturgeon Bay, Wisconsin
F&M Bank-Northern Virginia,       Richmond       February 17, 1999
  Fairfax, Virginia
First Liberty Bank & Trust,       Philadelphia   February 12, 1999
  Jermyn, Pennsylvania
First Virginia Bank-Southwest,    Richmond       February 11, 1999
  Roanoke, Virginia
Manufacturers and Traders Trust   New York       February 22, 1999
  Company,
  Buffalo, New York