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)

Bank of Colorado,         Burns National Bank of Durango,
 Fort Lupron, Colorado     Durango, Colorado
CivicBank of Commerce,    East County Bank,
 Oakland, California       Antioch, California
Gold Bank,                Linn County Bank,
 Leawood, Kansas           La Cygne, Kansas
Pinnacle Bank,            Pinnacle Bank,
 Papillion, Nebraska       Lincoln, Nebraska
                          Crete State Bank,
                           Crete, Nebraska
United States Trust       U.S. Trust Company of New Jersey,
 Company of New York,      West Windsor, New Jersey
 New York, New York

Applicant(s)              Reserve Bank    Effective Date

Bank of Colorado,         Kansas City     December 31, 1999
 Fort Lupron, Colorado
CivicBank of Commerce,    San Francisco   December 28, 1999
 Oakland, California
Gold Bank,                Kansas City     January 20, 2000
 Leawood, Kansas
Pinnacle Bank,            Kansas City     January 13, 2000
 Papillion, Nebraska

United States Trust       New York        January 6, 2000
 Company of New York,
 New York, New York