APPLICATIONS APPROVED UNDER BANK MERGER ACT.

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.

                                       Reserve
Applicant(s)       Bank(s)             Bank          Effective Date

Arvest Bank,       Arvest United       St. Louis     September 27, 2000
  Norman,            Bank, Oklahoma
  Oklahoma           City, Oklahoma
BancFirst,         First State Bank,   Kansas City   October 12, 2000
  Oklahoma City,     Oklahoma City,
  Oklahoma           Oklahoma
Bank of            First Virginia      Richmond      September 29, 2000
  Lancaster,         Bank, Falls
  Kilmarnock,        Church,
  Virginia           Virginia
                   First Virginia
                     Bank-Hampton
                     Roads, Norfolk,
                     Virginia
Bank of the        Bank of Honolulu,   San           October 13, 2000
  Orient,            Honolulu,           Francisco
  San Francisco,     Hawaii
  California
Bank of Tazewell   AmSouth Bank,       Richmond      October 18, 2000
  County,            Birmingham,
  Tazewell,          Alabama
  Virginia
Bankwest of        Citizens State      Kansas City   October 3, 2000
  Kansas,            Bank,
  Goodland,          Keenesburg,
  Kansas             Colorado
Commerce Bank,     County Bank of      Richmond      October 19, 2000
  Petersburg,        Chesterfield,
  Virginia           Midlothian,
                     Virginia
                   Commerce Bank of
                     Virginia,
                     Richmond,
                     Virginia
Community Banks    First National      Kansas City   October 19, 2000
  of Southern        Bank of
  Colorado,          Walsenburg,
  Rocky Ford,        Walsenburg,
  Colorado           Colorado
First American     First American      Kansas City   October 16, 2000
  Bank and Trust     Bank, N.A.,
  Company,           Woodward,
  Purcell,           Oklahoma
  Oklahoma
First Arvest       Arvest Bank,        St. Louis     September 25, 2000
  Bank,              Joplin,
  Siloam,            Missouri
  Springs,
  Arkansas
Iron and Glass     Laurel Bank,        Cleveland     October 5, 2000
  Bank,              Johnstown,
  Pittsburgh,        Pennsylvania
  Pennsylvania
Northern Neck      First Virginia      Richmond      October 13, 2000
  State Bank,        Bank-Hampton
  Warsaw,            Roads, Norfolk,
  Virginia           Virginia
                   Bank of
                     Lancaster,
                     Kilmarnock,
                     Virginia
Peninsula Trust    United Community    Richmond      October 4, 2000
  Bank,              Bank,
  Gloucester,        Franklin,
  Virginia           Virginia
People First       American Heritage   Kansas City   October 19, 2000
  Bank,              Bank, El Reno,
  Hennessey,         Oklahoma
  Oklahoma
                   Citizens Bank of
                     Tulsa,
                     Tulsa, Oklahoma
Pinnacle Bank,     Pinnacle Bank,      Kansas City   October 25, 2000
  Papillion,         N.A., Wisner,
  Nebraska           Nebraska
Pinnacle           Pinnacle Bank,      Kansas City   September 29, 2000
  Bank-Wyoming,      Cody, Wyoming
  Torrington,
  Wyoming
                   Pinnacle Bank,
                     Newcastle,
                     Wyoming
                   Pinnacle Bank,
                     Mitchell,
                     Nebraska