Applications approved under Bank Holding Company Act: by Federal Reserve Banks.

APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY 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.

Section 3

Applicant(s)                           Bank(s)

Arvest Bank Group, Inc.,               Mountain Bancshares, Inc.,
  Bentonville, Arkansas                  Yellville, Arkansas
Arvest Holdings, Inc.,                 The Bank of Yellville,
  Little Rock, Arkansas                  Yellville, Arkansas
Bancorp V, Inc.,                       Bank of Leeton,
  Olathe, Kansas                         Leeton, Missouri
Bank Capital Corporation,              The Biltmore Bank of Arizona,
  Phoenix, Arizona                       Phoenix, Arizona
Bethlehem Financial Corporation,       Bank of Belen,
  Belen, New Mexico                      Belen, New Mexico
BSA Bankshares, Inc.,                  Bevans State Bank,
  Abilene, Texas                         Menard, Texas
BSA Delaware, Inc.,
  Dover, Delaware
Central Financial Corporation,         Mid-America Bancorp, Inc.,
  Hutchinson, Kansas                     Jewell, Kansas
                                       Heartland Bank,
                                         Jewell, Kansas
Community Bancshares of                First Lucedale Bancorp, Inc.,
  Mississippi, Inc.,                     Lucedale, Mississippi
  Brandon, Mississippi                 First National Bank of Lucedale,
                                         Lucedale, Mississippi
CBS Banc Corp, Inc.,                   Community Financial Services,
  Russellville, Alabama                  Inc., Bolivar, Tennessee
                                       Bank of Bolivar,
                                         Bolivar, Tennessee
Financial Investors of the South,      Consumer National Bank,
  Inc., Birmingham, Alabama              Jackson, Mississippi
First American Bancshares, Inc.,       First American National Bank,
  Iuka, Mississippi                      Iuka, Mississippi
Guaranty Corporation,                  Bank Capital Corporation,
  Denver, Colorado                       Phoenix, Arizona
International Brotherhood of           Brotherhood Bancshares, Inc.,
  Boilermakers, Iron Ship Builders,      Kansas City, Kansas
  Blacksmiths, Forgers & Helpers,      The Brotherhood Bank & Trust
  Kansas City, Kansas                    Company,
                                         Kansas City, Kansas
Iroquois Bancorp, Inc.,                JW Bancorp, Inc.,
  Gilman, Illinois                       Winchester, Illinois
                                       John Warner Financial
                                         Corporation, Clinton, Illinois
                                       The John Warner Bank,
                                         Clinton, Illinois
JW Bancorp, Inc.,                      John Warner Financial
  Winchester, Illinois                   Corporation, Clinton, Illinois
                                       The John Warner Bank,
                                         Clinton, Illinois
Main Street Financial Services Corp,   To become a one-bank holding
  Wheeling, West Virginia                company
McCreary National Bancorp, Inc.,       McCreary National Bank,
  Corbin, Kentucky                       Whitley City, Kentucky
Mountain Bancshares, Inc.,             Mountain State Bank,
  Dawsonvlle, Georgia                    Dawsonville, Georgia
MountainBank Financial Corporation,    CNB Holdings, Inc.,
  Hendersonville, North Carolina         Pulaski, Virginia
North Georgia Bancorp, Inc.,           North Georgia Bank,
  Watkinsville, Georgia                  Watkinsville, Georgia
Premier Bancshares, Inc.,              Mid-America Bancorp, Inc.,
  Jefferson City, Missouri               Jewell, Kansas
                                       Heartland Bank,
                                         Jewell, Kansas
PSB Group, Inc.,                       Peoples State Bank,
  Madison Heights, Michigan              Hamtramck, Michigan
Reliance Bancshares, Inc.,             The Bank of Godfrey,
  Des Peres, Missouri                    Godfrey, Illinois
Scott County Bancorp, Inc.,            JW Bancorp Inc.,
  Winchester, Illinois                   Winchester, Illinois
                                       John Warner Financial
                                         Corporation, Clinton, Illinois
                                       The John Warner Bank,
                                         Clinton, Illinois
Security First Bancshares, Inc.,       Bank of O'Fallon,
  O'Fallon, Illinois                     O'Fallon, Illinois
TCF Financial Corporation,             TransCommunity Bankshares,
  Wayzata, Minnesota                     Incorporated,
                                         Richmond, Virginia
                                       Bank of Powhatan, N.A.,
                                         Powhatan, Virginia
                                       Bank of Goochland, N.A.,
                                         Goochland, Virginia

Section 4

Applicant(s)                           Nonbanking Activity/Company

Bay View Capital Corporation,          Bay View Acceptance Corporation,
  San Mateo, California                  San Mateo, California
DnB Holding ASA,                       DnB Asset Management (US) Inc.,
  Oslo, Norway                           New York, New York
Standard Bancshares, Inc.,             Security Financial Bancorp,
  Hickory Hills, Illinois                Inc., St. John, Indiana
                                       Security Federal Bank & Trust,
                                         St. John, Indiana

Sections 3 and 4

Applicant(s)                           Nonbanking Activity/Company

Wayne Bancorp, Inc.,                   Banc Services Corp.,
  Wooster, Ohio                          Orrville, Ohio

Section 3

Applicant(s)                           Reserve Bank   Effective Date

Arvest Bank Group, Inc.,               St. Louis      Aprill 9, 2003
  Bentonville, Arkansas
Arvest Holdings, Inc.,
  Little Rock, Arkansas
Bancorp V, Inc.,                       Kansas City    April 15, 2003
  Olathe, Kansas
Bank Capital Corporation,              Kansas City    April 23, 2003
  Phoenix, Arizona
Bethlehem Financial Corporation,       Kansas City    April 3, 2003
  Belen, New Mexico
BSA Bankshares, Inc.,                  Dallas         April 24, 2003
  Abilene, Texas
BSA Delaware, Inc.,
  Dover, Delaware
Central Financial Corporation,         Kansas City    April 24, 2003
  Hutchinson, Kansas
Community Bancshares of                Atlanta        April 19, 2003
  Mississippi, Inc.,
  Brandon, Mississippi
CBS Banc Corp, Inc.,                   Atlanta        April 2, 2003
  Russellville, Alabama
Financial Investors of the South,      Atlanta        April 25, 2003
  Inc., Birmingham, Alabama
First American Bancshares, Inc.,       St. Louis      April 24, 2003
  Iuka, Mississippi
Guaranty Corporation,                  Kansas City    April 23, 2003
  Denver, Colorado
International Brotherhood of           Kansas City    March 28, 2003
  Boilermakers, Iron Ship Builders,
  Blacksmiths, Forgers & Helpers,
  Kansas City, Kansas
Iroquois Bancorp, Inc.,                Chicago        March 27, 2003
  Gilman, Illinois
JW Bancorp, Inc.,                      Chicago        March 27, 2003
  Winchester, Illinois
Main Street Financial Services Corp,   Cleveland      April 4, 2003
  Wheeling, West Virginia
McCreary National Bancorp, Inc.,       Cleveland      April 8, 2003
  Corbin, Kentucky
Mountain Bancshares, Inc.,             Atlanta        March 31, 2003
  Dawsonvlle, Georgia
MountainBank Financial Corporation,    Richmond       April 9, 2003
  Hendersonville, North Carolina
North Georgia Bancorp, Inc.,           Atlanta        April 28, 2003
  Watkinsville, Georgia
Premier Bancshares, Inc.,              St. Louis      April 8, 2003
  Jefferson City, Missouri
PSB Group, Inc.,                       Chicago        April 25, 2003
  Madison Heights, Michigan
Reliance Bancshares, Inc.,             St. Louis      March 28, 2003
  Des Peres, Missouri
Scott County Bancorp, Inc.,            St. Louis      March 27, 2003
  Winchester, Illinois
Security First Bancshares, Inc.,       St. Louis      April 14, 2003
  O'Fallon, Illinois
TCF Financial Corporation,             Minneapolis    April 2, 2003
  Wayzata, Minnesota

Section 4

Applicant(s)                           Reserve Bank   Effective Date

Bay View Capital Corporation,          San Francisco  April 4, 2003
  San Mateo, California
DnB Holding ASA,                       New York       April 16, 2003
  Oslo, Norway
Standard Bancshares, Inc.,             Chicago        April 23, 2003
  Hickory Hills, Illinois

Sections 3 and 4

Applicant(s)                           Reserve Bank   Effective Date

Wayne Bancorp, Inc.,                   Cleveland      April 24, 2003
  Wooster, Ohio