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

                                            Reserve
Applicant(s)          Bank(s)               Bank      Effective Date

Capitol Bancorp       First California      Chicago   November 9, 2001
  Ltd., Lansing,        Northern Bancorp,
  Michigan              Napa, California
Sun Community
  Bancorp Limited,
  Phoenix, Arizona
Capitol Bancorp       Nevada Community      Chicago   November 9, 2001
  Ltd., Lansing,        Bancorp Limited,
  Michigan              Las Vegas, Nevada
Sun Community         Bank of Las Vegas,
  Bancorp Limited,      Las Vegas, Nevada
  Phoenix, Arizona
Dunlap Iowa Holding   EWN Investments,      Chicago   November 7, 2001
  Co., Dunlap, Iowa     Inc., Ute, Iowa
                      Ute State Bank,
                        Ute, Iowa
First California      Napa Community        Chicago   November 9, 2001
  Northern Bancorp,     Bank, Napa,
  Napa, California      California
First National Bank   First Carroll         St.       November 8, 2001
  of Berryville         Bankshares, Inc.,   Louis
  Employee Stock        Berryville,
  Ownership Trust,      Arkansas
  Berryville,
  Arkansas
Manito Bank           Peoples State Bank,   Chicago   November 8, 2001
  Services, Inc.,       Manito, Illinois
  Manito, Illinois
PRP Bancorp, Inc.,    PRP National Bank,    St.       November 6, 2001
  Corbin, Kentucky      Pleasure Ridge      Louis
                        Park, Kentucky

Section 4

                      Nonbanking            Reserve
Applicant(s)          Activity/Company      Bank      Effective Date

SouthTrust            Community             Atlanta   November 9, 2001
  Corporation,          Bankshares,
  Birmingham,           Incorporated,
  Alabama               Richmond,
                        Virginia
SouthTrust of         Commerce Bank,
  Alabama, Inc.,        Richmond,
  Birmingham,           Virginia
  Alabama