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)

American Eagle Financial            Riverview Community Bank,
  Corporation,                        Otsego, Minnesota
  Albertville, Minnesota
Amtrust, Inc.,                      United American Bank,
  Dubuque, Iowa                       San Mateo, California
Buford Banking Group, Inc.,         Lanier Community Bank,
  Buford, Georgia                     Buford, Georgia
Bridgewater Financial, MHC,         Bridgewater Savings Bank,
  Raynham, Massachusetts              Raynham, Massachusetts
Campbell State Company,             Blue Hill Agency, Inc.,
  Lincoln, Nebraska                   Blue Hill, Nebraska
Citizens Bancorp,                   Citizens Bank of Nevada County,
  Grass Valley, California            Nevada City, California
Coast Financial Holdings, Inc.,     Coast Bank of Florida,
  Bradenton, Florida                  Bradenton, Florida
Davis Trust Financial Corporation,  First Clay County Banc Corporation,
  Elkins, West Virginia               Clay, West Virginia
DB Acquisition Corp.,               Dorchester Bancshares, Inc.,
  Wausau, Wisconsin                   Dorchester, Wisconsin
                                    Dorchester State Bank,
                                      Dorchester, Wisconsin
Finlayson Bancshares, Inc.,         Floodwood Agency, Inc.,
  Finlayson, Minnesota                Duluth, Minnesota
                                    First State Bank of Floodwood,
                                      Floodwood, Minnesota
First BanCorp,                      PanAmerican Bancorp,
  San Juan, Puerto Rico               Hollywood, Florida
First Mutual Bancorp of Illinois,   Security Bancorp of Dupage, Inc.,
  Inc., Harvey, Illinois              Naperville, Illinois
First Okmulgee Corporation,         First National of Henryetta, Inc.,
  Okmulgee, Oklahoma                  Henryetta, Oklahoma
                                    First National Bank, Henryetta,
                                      Henryetta, Oklahoma
First Southern Bancorp, Inc.,       South Central Bancshares, Inc.,
  Stanford, Kentucky                  Russellville, Kentucky
F.N.B. Corporation,                 Sun Bancorp, Inc.,
  Naples, Florida                     Selinsgrove, Pennsylvania
                                    Sun Bank,
                                      Selinsgrove, Pennsylvania
Frontenac Bancshares, Inc.,         Frontenac Bank,
  Earth City, Missouri                Earth City, Missouri
Hometown Bancorp, Inc.,             Hometown Bank,
  Grand Island, Nebraska              Hastings, Nebraska
IBERIABANK Corporation,             Acadiana Bancshares, Inc.,
  New Iberia, Louisiana               Lafayette, Louisiana
Lea M. McMullan Trust,              LaRue Bancshares, Inc.,
  Shelbyville, Kentucky               Hodgenville, Kentucky
Citizens Union Bancorp of           The Peoples State Bank,
  Shelbyville, Inc.,                  Hodgenville, Kentucky
  Shelbyville, Kentucky
OSB Financial Services, Inc.,       Mauriceville National Bank,
  Orange, Texas                       Mauriceville, Texas
OSB Delaware Financial
  Services, Inc.,
  Dover, Delaware
Ozarks Heritage Financial Group,    Community First Financial
  Inc.,                               Corporation, Inc.,
  Gainesville, Missouri               Plato, Missouri
                                    Bank of Plato,
                                      Plato, Missouri
Ravalli County Bankshares, Inc.,    West One Bank,
  Hamilton, Montana                   Kalispell, Montana
Bitterroot Holding Company,
  Lolo, Montana
Southwest Community Bancorp,        Southwest Community Bank,
  Carlsbad, California                Encinitas, California
United Community Banks, Inc.,       First Central Bancshares, Inc.,
  Blairsville, Georgia                Lenoir City, Tennessee
                                    First Central Bank,
                                      Lenoir City, Tennessee
Utah Community Bancorp,             Utah Community Bank,
  Sandy, Utah                         Sandy, Utah

Applicant(s)                        Reserve Bank   Effective Date

American Eagle Financial            Minneapolis    February 26, 2003
  Corporation,
  Albertville, Minnesota
Amtrust, Inc.,                      Chicago        February 12, 2003
  Dubuque, Iowa
Buford Banking Group, Inc.,         Atlanta        February 18, 2003
  Buford, Georgia
Bridgewater Financial, MHC,         Boston         February 25, 2003
  Raynham, Massachusetts
Campbell State Company,             Kansas City    February 21, 2003
  Lincoln, Nebraska
Citizens Bancorp,                   San Francisco  February 21, 2003
  Grass Valley, California
Coast Financial Holdings, Inc.,     Atlanta        February 10, 2003
  Bradenton, Florida
Davis Trust Financial Corporation,  Richmond       February 3, 2003
  Elkins, West Virginia
DB Acquisition Corp.,               Chicago        February 5, 2003
  Wausau, Wisconsin
Finlayson Bancshares, Inc.,         Minneapolis    February 24, 2003
  Finlayson, Minnesota
First BanCorp,                      New York       February 11, 2003
  San Juan, Puerto Rico
First Mutual Bancorp of Illinois,   Chicago        February 12, 2003
  Inc., Harvey, Illinois
First Okmulgee Corporation,         Kansas City    January 15, 2003
  Okmulgee, Oklahoma
First Southern Bancorp, Inc.,       Cleveland      January 29, 2003
  Stanford, Kentucky
F.N.B. Corporation,                 Atlanta        February 3, 2003
  Naples, Florida
Frontenac Bancshares, Inc.,         St. Louis      February 10, 2003
  Earth City, Missouri
Hometown Bancorp, Inc.,             Kansas City    January 23, 2003
  Grand Island, Nebraska
IBERIABANK Corporation,             Atlanta        February 12, 2003
  New Iberia, Louisiana
Lea M. McMullan Trust,              St. Louis      February 7, 2003
  Shelbyville, Kentucky
Citizens Union Bancorp of
  Shelbyville, Inc.,
  Shelbyville, Kentucky
OSB Financial Services, Inc.,       Dallas         February 4, 2003
  Orange, Texas
OSB Delaware Financial
  Services, Inc.,
  Dover, Delaware
Ozarks Heritage Financial Group,    St. Louis      February 5, 2003
  Inc.,
  Gainesville, Missouri
Ravalli County Bankshares, Inc.,    Minneapolis    February 26, 2003
  Hamilton, Montana
Bitterroot Holding Company,
  Lolo, Montana
Southwest Community Bancorp,        San Francisco  January 29, 2003
  Carlsbad, California
United Community Banks, Inc.,       Atlanta        February 24, 2003
  Blairsville, Georgia
Utah Community Bancorp,             San Francisco  February 10, 2003
  Sandy, Utah

Section 4

Applicant(s)                 Nonbanking Activity/          Reserve Bank
                             Company

Bancroft State Bancshares,   Rayome Insurance Agencies,    Chicago
  Inc., Bancroft, Wisconsin    Inc., Bancroft, Wisconsin
Bancshares of Florida,       Florida Trust Company, Inc.,  Atlanta
  Inc., Naples, Florida        Fort Lauderdale, Florida
Sky Financial Group,         Metropolitan Financial        Cleveland
  Bowling Green, Ohio          Corporation, Highland
                               Hills, Ohio

Applicant(s)                 Effective Date

Bancroft State Bancshares,   January 27, 2003
  Inc., Bancroft, Wisconsin
Bancshares of Florida,       January 29, 2003
  Inc., Naples, Florida
Sky Financial Group,         February 25, 2003
  Bowling Green, Ohio