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)

ABM Holding Company,                 Citizens State Bank,
  Miltonvale, Kansas                   Miltonvale, Kansas
Bank of Commerce Holdings, Inc.,     The Bank of Commerce,
  Sarasota, Florida                    Sarasota, Florida
Bank of Granite Corporation,         First Commerce Corporation,
  Granite Falls, North Carolina        Charlotte, North Carolina
BNW Bancorp, Inc.,                   Bank NorthWest,
  Bellingham, Washington               Bellingham, Washington
Cera Stichting VZW,                  LBS Bank,
  Belgium                              New York, New York
Cera Beheersmaatschappij N.V.,       Nova Ljubljanska Banka d.d,
  Belgium                              Ljubljana, Slovenia
Cera Holding CVBA,
  Belgium
Almancora CVA,
  Belgium
Almanij N.V.,
  Belgium
KBC Bankverzekeringsholding N.V.,
  Belgium
KBC Bank N.V.,
  Belgium
First Bancorp, Inc.,                 First Commonwealth Bank,
  Lebanon, Virginia                    Wise, Virginia
First Banks, Inc.,                   Bank of Ste. Genevieve,
  St. Louis, Missouri                  Sainte Genevieve, Missouri
                                     Allegiant Bancorp, Inc.,
                                       St. Louis, Missouri
First National Bancorp, Inc.,        Montana First National
  Libby, Montana                       Bancorporation,
                                       Kalispell, Montana
                                     Montana First National Bank,
                                       Kalispell, Montana
F.N.B. Corporation,                  Charter Banking Corporation,
  Naples, Florida                      Tampa, Florida
                                     Southern Exchange Bank,
                                       Tampa, Florida
Foundation Bancorp, Inc.,            Foundation Bank,
  Bellevue, Washington                 Bellevue, Washington
Georgia Commerce Bancshares, Inc.,   Georgia Commerce Bank,
  Atlanta, Georgia                     Atlanta, Georgia
Healthcare Bancorp, Inc.,            First BankCentre,
  Broken Arrow, Oklahoma               Broken Arrow, Oklahoma
Heritage Bancshares, Inc.,           Heritage Bank,
  Topeka, Kansas                       Topeka, Kansas
Interchange Financial Services       Bridge View Bancorp,
  Corporation,                         Englewood Cliffs, New Jersey
  Saddle Brook, New Jersey

Liberty Financial Services, Inc.,    Liberty National Bank,
  Sioux City, Iowa                     Sioux City, Iowa
                                     Frontier Bank,
                                       Rock Rapids, Iowa
                                     Rock Rivers Bancorp.,
                                       Rock Rapids, Iowa
Mechanics Banc Holding Company,      Mechanics Bank,
  Water Valley, Mississippi            Water Valley, Mississippi
Morton Bancorp, Inc.,                Bank of Morton,
  Morton, Mississippi                  Morton, Mississippi
Putnam Bancorp MHC, Inc.,            Putnam Savings Bank,
  Putnam, Connecticut                  Putnam, Connecticut
PSB Holdings, Inc.,
  Putnam, Connecticut
Ruff Management, LLC,                Ruff Family Partners, Ltd.,
  Longview, Texas                      Longview, Texas
Surrey Bancorp,                      Surrey Bank & Trust,
  Mount Airy, North Carolina           Mount Airy, North Carolina
United Community Banks, Inc.,        First Georgia Holding, Inc.,
  Blairsville, Georgia                 Brunswick, Georgia
                                     First Georgia Bank,
                                       Brunswick, Georgia
Uwharrie Capital Corp.,              Cabarrus Bank & Trust Company,
  Albemarle, North Carolina            Concord, North Carolina
VSB Bancorp, Inc.,                   Victory State Bank,
  Staten Island, New York              Staten Island, New York
Waumandee Bancshares, Ltd.,          Waumandee State Bank,
  Waumandee, Wisconsin                 Waumandee, Wisconsin

Section 4

Applicant(s)                         Nonbanking Activity/Company

FNB Corp.,                           Dover Mortgage Company,
  Asheboro, North Carolina             Charlotte, North Carolina
Integra Bank Corporation,            Integra Reinsurance Company, Ltd.,
  Evansville, Indiana                  Turks and Caicos Islands,
                                       British West Indies
                                     Integra Bank, National
                                       Association,
                                       Evansville, Indiana
Ocean Bankshares, Inc.,              Ocean Bank,
  Miami, Florida                       Miami, Florida
SSB Holding Co., Inc.,               To engage de novo in the
  Baxter, Iowa                         nonbanking activity of extending
                                       credit and servicing loans

Section 3

Applicant(s)                         Reserve Bank    Effective Date

ABM Holding Company,                 Kansas City     March 12, 2003
  Miltonvale, Kansas
Bank of Commerce Holdings, Inc.,     Atlanta         March 14, 2003
  Sarasota, Florida
Bank of Granite Corporation,         Richmond        March 6, 2003
  Granite Falls, North Carolina
BNW Bancorp, Inc.,                   San Francisco   March 5, 2003
  Bellingham, Washington
Cera Stichting VZW,                  New York        March 24, 2003
  Belgium
Cera Beheersmaatschappij N.V.,
  Belgium
Cera Holding CVBA,
  Belgium
Almancora CVA,
  Belgium
Almanij N.V.,
  Belgium
KBC Bankverzekeringsholding N.V.,
  Belgium
KBC Bank N.V.,
  Belgium
First Bancorp, Inc.,                 Richmond        March 20, 2003
  Lebanon, Virginia
First Banks, Inc.,                   St. Louis       March 3, 2003
  St. Louis, Missouri

First National Bancorp, Inc.,        Minneapolis     March 19, 2003
  Libby, Montana

F.N.B. Corporation,                  Atlanta         March 15, 2003
  Naples, Florida

Foundation Bancorp, Inc.,            San Francisco   March 5, 2003
  Bellevue, Washington
Georgia Commerce Bancshares, Inc.,   Atlanta         March 5, 2003
  Atlanta, Georgia
Healthcare Bancorp, Inc.,            Kansas City     March 21, 2003
  Broken Arrow, Oklahoma
Heritage Bancshares, Inc.,           Kansas City     March 21, 2003
  Topeka, Kansas
Interchange Financial Services       New York        March 19, 2003
  Corporation,
  Saddle Brook, New Jersey

Liberty Financial Services, Inc.,    Chicago         February 28, 2003
  Sioux City, Iowa

Mechanics Banc Holding Company,      St. Louis       March 6, 2003
  Water Valley, Mississippi
Morton Bancorp, Inc.,                Atlanta         March 6, 2003
  Morton, Mississippi
Putnam Bancorp MHC, Inc.,            Boston          March 11, 2003
  Putnam, Connecticut
PSB Holdings, Inc.,
  Putnam, Connecticut
Ruff Management, LLC,                Dallas          March 19, 2003
  Longview, Texas
Surrey Bancorp,                      Richmond        March 6, 2003
  Mount Airy, North Carolina
United Community Banks, Inc.,        Atlanta         March 14, 2003
  Blairsville, Georgia

Uwharrie Capital Corp.,              Richmond        March 19, 2003
  Albemarle, North Carolina
VSB Bancorp, Inc.,                   New York        February 28, 2003
  Staten Island, New York
Waumandee Bancshares, Ltd.,          Minneapolis     March 11, 2003
  Waumandee, Wisconsin

Section 4

Applicant(s)                         Reserve Bank    Effective Date

FNB Corp.,                           Richmond        March 25, 2003
  Asheboro, North Carolina
Integra Bank Corporation,            St. Louis       March 7, 2003
  Evansville, Indiana

Ocean Bankshares, Inc.,              Atlanta         March 12, 2003
  Miami, Florida
SSB Holding Co., Inc.,               Chicago         March 11, 2003
  Baxter, Iowa