Applications Approved Under Bank Holding Company Act: By the Secretary of the Board.

APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY 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.

Section 3

Applicant(s)                Bank(s)                   Effective Date

First Financial             City Bancshares, Inc.,    May 25, 2001
  Bankshares, Inc.,           Mineral Wells, Texas
  Abilene, Texas            City Delaware Financial
                              Corporation,
                              Dover, Delaware
                            City National Bank of
                              Mineral Wells,
                              Mineral Wells, Texas
Fulton Financial            Drovers Bancshares        May 16, 2001
  Corporation, Lancaster,     Corporation,
  Pennsylvania                York, Pennsylvania

Section 4

                            Nonbanking Activity/
Applicant(s)                Company                   Effective Date

The Northern Trust          Hub Co., LLC,             May 15, 2001
  Corporation,                New York, New York
  Chicago, Illinois