Applications approved under Bank Holding Company Act: by Federal Reserve Banks. (Legal Developments).

Recent applications have been approved by the Federal Reserve Banks as listed below. Copies are available upon request to the Reserve Banks.

Section 3

Applicant(s)                        Bank(s)

Bancfirst Ohio Corp.,               UNB Corp.,
  Zanesville, Ohio                    Canton, Ohio
Bancshares Holding Corp.,           The Bank of Commerce,
  Downers Grove, Illinois             Downers Grove, Illinois
Bedias Financial Corporation,       First State Bank of Bedias,
  Bedias, Texas                       Bedias, Texas
Bedias Holdings, Inc.,
  Wilmington, Delaware
Capital Bank Corporation,           First Community Financial
  Raleigh, North Carolina               Corporation,
                                      Burlington, North Carolina
Cavalry Bancorp, Inc.,              Cavalry Banking,
  Murfreesboro, Tennessee             Murfreesboro, Tennessee
Central Financial Corporation,      NorthStar Bancshares, Inc.,
  Hutchinson, Kansas                  Kansas City, Missouri
Central Texas Bankshare Holdings,   Hill Bancshares Holdings, Inc.,
    Inc.,                             Weimar, Texas
  Columbus, Texas                   Hill Bank & Trust Company,
Colorado County Investment            Weimar, Texas
    Holdings, Inc.,
  Wilmington, Delaware
CFB Holding Company,                Citizens First Bank,
  Clinton, Iowa                       Clinton, Iowa
Community State Bancshares, Inc.,   The Bradley Corporation,
  Bradley, Arkansas                   Bradley, Arkansas
                                    The Bank of Bradley,
                                      Bradley, Arkansas
Firstate Bancorp, Inc.,             1st State Bank of Mason City,
  Mason City, Illinois                Mason City, Illinois
First Banks, Inc.,                  Plains Financial Corporation,
  St. Louis, Missouri                 Des Plains, Illinois
                                    PlainsBank of Illinois, N.A.,
                                      Des Plains, Illinois
First Columbia Bancorp, Inc.,       Columbia County Bank,
  Lake City, Florida                  Lake City, Florida
First Sentry Bancshares, Inc.,      First Sentry Bank, Inc.,
  Huntington, West Virginia           Huntington, West Virginia
First Southern Bancorp,             First Southern National Bank,
  Statesboro, Georgia                 Statesboro, Georgia
FlatIrons Bank Holding Company,     FlatIrons Bank,
  Loveland, Colorado                  Boulder, Colorado
FNB Corporation,                    Salem Community Bankshares, Inc.,
  Christiansburg, Virginia            Salem, Virginia
Grand Bankshares, Inc.,             Grand Bank & Trust of Florida,
  West Palm Beach, Florida            West Palm Beach, Florida
H2H Bancshares, Inc.,               Farmers State Bank,
  Hosmer, South Dakota                Hosmer, South Dakota
Krum Bancshares, Inc.,              Farmers and Merchants State Bank,
  Krum, Texas                         Krum, Texas
Krum Bancshares of Delaware,
    Inc.,
  Dover, Delaware
Malvern Bancshares, Inc.,           Malvern Trust & Savings Bank,
  Malvern, Iowa                       Malvern, Iowa
McLaughlin Bancshares, Inc.,        First Hale Center, Inc.,
  Ralls, Texas                        Hale Center, Texas
McLaughlin Delaware Bancshares,     FNB West Texas,
    Inc.,                             Plainview, Texas
  Dover, Delaware
Mesaba Bancshares, Inc.,            Bovey Financial Corporation,
  Grand Rapids, Minnesota             Bovey, Minnesota
                                    The First National Bank of Bovey,
                                      Bovey, Minnesota
NB&T Financial Group, Inc.,         NB&T Financial Group,
    Employee Stock Ownership          Wilmington, Ohio
    Plan,
  Wilmington, Ohio
Northwest Bancshares, Inc.,         Northwest Bank,
  Roanoke, Texas                      Roanoke, Texas
Northwest Delaware, Inc.,
  Wilmington, Delaware
PHSB Financial Corporation,         Peoples Home Savings Bank,
  Beaver Falls, Pennsylvania          Beaver Falls, Pennsylvania
Plainville Bancshares, Inc.,        Farmers Bancshares, Inc.,
  Plainville, Kansas                  Lincoln, Kansas
Premier Holdings, Ltd.,             Premier Bank,
  Rock Valley, Iowa                   Rock Valley, Iowa
Riverside Central Florida Banking   Riverside Bank of Central Florida,
    Company,                          Winter Park, Florida
  Winter Park, Florida
South Group Bancshares, Inc.,       South Georgia Bank,
  Glennville, Georgia                 Glennville, Georgia
Spector Properties, Inc.,           Andalusia Community Bank,
  Chicago, Illinois                   Andalusia, Illinois
Superior, National Bank Holding     Superior, National Bank,
    Company,                          Superior, Wisconsin
  Superior, Wisconsin
Tri-County Bancorp, Inc.,           West Union Bank,
  West Union, West Virginia           West Union, West Virginia
UNB Corp.,                          Bancfirst Ohio Corp.,
  Canton, Ohio                        Zanesville, Ohio
United Bancor, Ltd.,                Bismarck Bancshares, Inc.,
  Dickenson, North Dakota             Bismarck, North Dakota
Valley View Bancshares, Inc.,       Guaranty Bancshares,
  Overland Park, Kansas               Kansas City, Kansas
Westfield Financial, Inc.,          Westfield Savings Bank,
  Westfield, Massachusetts            Westfield, Massachusetts
Westfield Mutual Holding Company,   Westfield Financial, Inc.,
  Westfield, Massachusetts            Westfield, Massachusetts
West Point Bancorp, Inc.,           Town & Country Bank, Inc.,
  West Point, Nebraska                Las Vegas, Nevada

Applicant(s)                        Reserve Bank   Effective Date

Bancfirst Ohio Corp.,               Cleveland      November 15, 2001
  Zanesville, Ohio
Bancshares Holding Corp.,           Chicago        December 20, 2001
  Downers Grove, Illinois
Bedias Financial Corporation,       Dallas         December 12, 2001
  Bedias, Texas
Bedias Holdings, Inc.,
  Wilmington, Delaware
Capital Bank Corporation,           Richmond       November 28, 2001
  Raleigh, North Carolina
Cavalry Bancorp, Inc.,              Atlanta        December 14, 2001
  Murfreesboro, Tennessee
Central Financial Corporation,      Kansas City    December 21, 2001
  Hutchinson, Kansas
Central Texas Bankshare Holdings,   Dallas         December 18, 2001
    Inc.,
  Columbus, Texas
Colorado County Investment
    Holdings, Inc.,
  Wilmington, Delaware
CFB Holding Company,                Chicago        December 19, 2001
  Clinton, Iowa
Community State Bancshares, Inc.,   St. Louis      December 20, 2001
  Bradley, Arkansas
Firstate Bancorp, Inc.,             Chicago        November 16, 2001
  Mason City, Illinois
First Banks, Inc.,                  St. Louis      November 20, 2001
  St. Louis, Missouri
First Columbia Bancorp, Inc.,       Atlanta        December 24, 2001
  Lake City, Florida
First Sentry Bancshares, Inc.,      Richmond       November 16, 2001
  Huntington, West Virginia
First Southern Bancorp,             Atlanta        December 14, 2001
  Statesboro, Georgia
FlatIrons Bank Holding Company,     Kansas City    December 7, 2001
  Loveland, Colorado
FNB Corporation,                    Richmond       November 15, 2001
  Christiansburg, Virginia
Grand Bankshares, Inc.,             Atlanta        December 11, 2001
  West Palm Beach, Florida
H2H Bancshares, Inc.,               Minneapolis    November 28, 2001
  Hosmer, South Dakota
Krum Bancshares, Inc.,              Dallas         December 19, 2001
  Krum, Texas
Krum Bancshares of Delaware,
    Inc.,
  Dover, Delaware
Malvern Bancshares, Inc.,           Chicago        December 6, 2001
  Malvern, Iowa
McLaughlin Bancshares, Inc.,        Dallas         December 3, 2001
  Ralls, Texas
McLaughlin Delaware Bancshares,
    Inc.,
  Dover, Delaware
Mesaba Bancshares, Inc.,            Minneapolis    December 3, 2001
  Grand Rapids, Minnesota
NB&T Financial Group, Inc.,         Cleveland      December 13, 2001
    Employee Stock Ownership
    Plan,
  Wilmington, Ohio
Northwest Bancshares, Inc.,         Dallas         December 5, 2001
  Roanoke, Texas
Northwest Delaware, Inc.,
  Wilmington, Delaware
PHSB Financial Corporation,         Cleveland      November 13, 2001
  Beaver Falls, Pennsylvania
Plainville Bancshares, Inc.,        Kansas City    December 5, 2001
  Plainville, Kansas
Premier Holdings, Ltd.,             Chicago        December 17, 2001
  Rock Valley, Iowa
Riverside Central Florida Banking   Atlanta        December 7, 2001
    Company,
  Winter Park, Florida
South Group Bancshares, Inc.,       Atlanta        December 14, 2001
  Glennville, Georgia
Spector Properties, Inc.,           Chicago        December 27, 2001
  Chicago, Illinois
Superior, National Bank Holding     Minneapolis    November 14, 2001
    Company,
  Superior, Wisconsin
Tri-County Bancorp, Inc.,           Richmond       December 4, 2001
  West Union, West Virginia
UNB Corp.,                          Cleveland      November 15, 2001
  Canton, Ohio
United Bancor, Ltd.,                Minneapolis    December 21, 2001
  Dickenson, North Dakota
Valley View Bancshares, Inc.,       Kansas City    December 27, 2001
  Overland Park, Kansas
Westfield Financial, Inc.,          Boston         November 19, 2001
  Westfield, Massachusetts
Westfield Mutual Holding Company,   Boston         November 19, 2001
  Westfield, Massachusetts
West Point Bancorp, Inc.,           Kansas City    December 7, 2001
  West Point, Nebraska
Section 4

Applicant(s)                       Nonbanking Activity/Company

Community First Financial          Harrington Bank,
    Group, Inc.,                     Chapel Hills, North Carolina
  Corydon, Indiana
FBOP Corporation,                  Bank Plus Corporation,
  Oak Park, Illinois                 Los Angeles, California
Landesbank Baden-Wurttemberg,      BW Capital Markets, Inc.,
  Stuttgart, Germany                 New York, New York
Sparkassenverband
    Baden-Wurttemberg,
  Stuttgart, Germany
Mainline Bankshares of             To engage in certain lending
    Portland, Inc.,                  activities limited to the
  Portland, Arkansas                 purchase of loans from its
                                     subsidiary bank
Marshall & Ilsley Corporation,     401kservices.com, inc.,
  Milwaukee, Wisconsin               Appleton, Wisconsin
Metavante Corporation,
  Milwaukee, Wisconsin
Midwest Banc Holdings, Inc.,       Service 1st Financial Corporation,
  Melrose Park, Illinois             Elmwood Park, Illinois
Midwest Financial and Investment
    Services, Inc.,
  Elmwood Park, Illinois

Applicant(s)                       Reserve Bank   Effective Date

Community First Financial          St. Louis      December 17, 2001
    Group, Inc.,
  Corydon, Indiana
FBOP Corporation,                  Chicago        December 28, 2001
  Oak Park, Illinois
Landesbank Baden-Wurttemberg,      New York       December 20, 2001
  Stuttgart, Germany
Sparkassenverband
    Baden-Wurttemberg,
  Stuttgart, Germany
Mainline Bankshares of             St. Louis      December 5, 2001
    Portland, Inc.,
  Portland, Arkansas
Marshall & Ilsley Corporation,     Chicago        December 14, 2001
  Milwaukee, Wisconsin
Metavante Corporation,
  Milwaukee, Wisconsin
Midwest Banc Holdings, Inc.,       Chicago        December 19, 2001
  Melrose Park, Illinois
Midwest Financial and Investment
    Services, Inc.,
  Elmwood Park, Illinois