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

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)             Reserve Bank   Effective Date

Community           Community Bank of   Atlanta        January 2, 2003
  Bancshares of       West Georgia,
  West Georgia,       Villa Rica,
  Inc., Villa         Georgia
  Rica, Georgia
FEB Bancshares,     Golden Sands        Chicago        January 9, 2003
  Inc., Neshkoro,     Bankshares,
  Wisconsin           Inc., Neshkoro,
                      Wisconsin
                    Farmers Exchange
                      Bank, Neshkoro,
                      Wisconsin
First Merchants     CNBC Bancorp,       Chicago        January 6, 2003
  Corporation,        Columbus, Ohio
  Muncie, Indiana   Commerce National
                      Bank, Columbus,
                      Ohio
First Olathe        Bannister Banc-     Kansas City    January 8, 2003
  Bancshares,         shares, Inc.,
  Inc., Overland      Kansas City,
  Park, Kansas        Missouri
F T Bancshares,     Aurelia F T & S     Chicago        January 9, 2003
  Inc., Aurelia,      Bankshares,
  Iowa                Inc., Aurelia,
                      Iowa
                    The First Trust &
                      Savings Bank,
                      Marcus, Iowa
MB Financial,       South Holland       Chicago        January 9, 2003
  Inc., Chicago,      Bancorp, Inc.,
  Illinois            South Holland,
                      Illinois
                    South Holland
                      Trust and
                      Savings Bank,
                      South Holland,
                      Illinois
Olmsted Holding     Colmsted National   Minneapolis    January 14, 2003
  Corporation,        Bank,
  Byron,              Rochester,
  Minnesota           Minnesota
Tropical Banc-      Englewood Bank,     Atlanta        January 3, 2003
  shares of           Englewood,
  Florida, Inc.,      Florida
  Englewood,
  Florida