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

Centura Bank,          Security First Network     July 20, 2001
  Rocky Mount, North     Bank, Atlanta, Georgia
  Carolina

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 Independent,                  Union Planters Bank, N.A.,
  Sheffield, Alabama                 Memphis, Tennessee
Bank of Blue Valley,               Citizens Bank, N.A.,
  Overland Park, Kansas              Fort Scott, Kansas
Bank of Louisville,                Bank of Louisville, FSB,
  Louisville, Kentucky               La Grange, Kentucky
Big Sky Western Bank,              Western Security Bank,
  Gallatin Gateway, Montana          Billings, Montana
Central Trust and Savings Bank,    First Federal Bank,
  Cherokee, Iowa                     Sioux City, Iowa
Commercial Bank - California,      Imperial Bank,
  San Jose, California               Inglewood, California
English State Bank,                Peoples Trust Bank Company,
  English, Indiana                   Corydon, Indiana
Falcon International Bank,         National Bank and Trust,
  Laredo, Texas                      La Grange, Texas
First Penn Bank,                   IGA Federal Savings Bank,
  Philadelphia, Pennsylvania         Feasterville, Pennsylvania
First Security Bank of Missoula,   Western Security Bank,
  Missoula, Montana                  Billings, Montana
Glacier Bank,                      Western Security Bank,
  Kalispell, Montana                 Billings, Montana
Glacier Bank of Whitefish,         Glacier Bank of Eureka,
  Whitefish, Montana                 Eureka, Montana
Horizon Bank,                      BankAtlantic, A Federal Savings Bank,
  Bradenton, Florida                 Fort Lauderdale, Florida
SouthTrust Bank,                   CENIT Bank,
  Birmingham, Alabama                Norfolk, Virginia
The Commercial Trust & Savings     Commercial Federal Bank,
  Bank,                              Omaha, Nebraska
  Storm Lake, Iowa
Titonka Savings Bank,              Commercial Federal Bank,
  Titonka, Iowa                       Omaha, Nebraska

Applicant(s)                       Reserve Bank    Effective Date

Bank Independent,                  Atlanta         June 29, 2001
  Sheffield, Alabama
Bank of Blue Valley,               Kansas City     July 17, 2001
  Overland Park, Kansas
Bank of Louisville,                St. Louis       July 11, 2001
  Louisville, Kentucky
Big Sky Western Bank,              Minneapolis     July 6, 2001
  Gallatin Gateway, Montana
Central Trust and Savings Bank,    Chicago         July 10, 2001
  Cherokee, Iowa
Commercial Bank - California,      Chicago         July 18, 2001
  San Jose, California
English State Bank,                St. Louis       July 9, 2001
  English, Indiana
Falcon International Bank,         Dallas          July 25, 2001
  Laredo, Texas
First Penn Bank,                   Philadelphia    June 26, 2001
  Philadelphia, Pennsylvania
First Security Bank of Missoula,   Minneapolis     July 6, 2001
  Missoula, Montana
Glacier Bank,                      Minneapolis     July 6, 2001
  Kalispell, Montana
Glacier Bank of Whitefish,         Minneapolis     July 12, 2001
  Whitefish, Montana
Horizon Bank,                      Atlanta         July 10, 2001
  Bradenton, Florida
SouthTrust Bank,                   Atlanta         July 9, 2001
  Birmingham, Alabama
The Commercial Trust & Savings     Chicago         July 13, 2001
  Bank,
  Storm Lake, Iowa
Titonka Savings Bank,              Chicago         July 12, 2001
  Titonka, Iowa