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 Heartland Bancshares, Inc.,   American Heartland Bank and
  Sugar Grove, Illinois                  Trust, Sugar Grove, Illinois
American Trust BanCorp,                American Trust Bank,
  Roswell, Georgia                       Roswell, Georgia
Bank of the San Juans                  Bank of the San Juans,
  Bancorporation,                        Durango, Colorado
  Durango, Colorado
Citizens Bancshares Employee Stock     Citizens Bancshares, Inc.,
  Ownership Plan,                        Edmond, Oklahoma
  Edmond, Oklahoma
The Farmers State Bank of Fort         F.S.B. Bancorporation of Fort
  Morgan, Colorado Employee              Morgan, Fort Morgan, Colorado
  Stock Ownership Plan,
  Fort Morgan, Colorado
Five Star Bancorp,                     Five Star Bank,
  Rocklin, California                    Rocklin, California
Liberty Bancshares, Inc.,              MSB Shares, Inc.,
  Jonesboro, Arkansas                    Jonesboro, Arkansas
                                       Midsouth Bank,
                                         Jonesboro, Arkansas
MainSource Financial Group, Inc.,      First Community Bancshares,
  Greensburg, Indiana                    Inc., Bargersville, Indiana
                                       First Community Bank and Trust,
                                         Bargersville, Indiana
Main Street Banks, Inc.,               First Colony Bancshares, Inc.,
  Kennesaw, Georgia                      Alpharetta, Georgia
                                       First Colony Bank,
                                         Alpharetta, Georgia
Peotone Bancorp, Inc.,                 The San Juans Bancorporation,
  Peotone, Illinois                      Durango, Colorado
Founders Group, Inc,                   The San Juans,
  Worth, Illinois                        Durango, Colorado
PNB Bancshares, Inc.,                  Pekin National Bank,
  Pekin, Illinois                        Pekin, Illinois
Premier Bancshares, Inc.,              Synergy Financial Group, Inc.,
  Dallas, Texas                          Waco, Texas
Premier Delaware Bancshares,           Synergy Bank, S.S.B.,
  Dover, Delaware                        Waco, Texas
Pulaski Investment Corporation,        The Munford Union Bank,
  Little Rock, Arkansas                  Munford, Tennessee
RAM Security Holdings, Ltd.,           Security Bancshares, Inc.,
  Waco, Texas                            Waco, Texas
RAM Security Holdings GP, Inc.,
  Waco Texas
Royal Palm Bancorp, Inc.,              The Royal Palm Bank of Florida,
  Naples, Florida                        Naples, Florida
Jere J. Ruff Family Limited            The First State Bank,
  Partnership II,                        Hallsville, Texas
  Longview, Texas
Ruff Management, LLC,                  The First State Bank,
  Longview, Texas                        Hallsville, Texas
Ruff Partners, Ltd.,
  Longview, Texas
Service 1st Bancorp,                   Service 1st Bank,
  Stockton, California                   Stockton, California
Sleepy Hollow Bancorp, Inc.,           Sleepy Hollow Bank,
  New York, New York                     Sleepy Hollow, New York
Southwest Bancorporation of            Maxim Financial Holdings, Inc.,
  Texas, Inc.,                           Dickinson, Texas
  Houston, Texas                       Maxim Financial Holdings of
                                         Delaware, Inc.,
                                         Wilmington, Delaware
                                       MaximBank,
                                         Dickinson, Texas
Triangle Financial Group, Inc.,        The Community Bank,
  Loganville, Georgia                    Loganville, Georgia
UCB Financial Group, Inc.,             United Commercial Bank,
  Atlanta, Georgia                       Atlanta, Georgia

Applicant(s)                           Reserve Bank    Effective Date

American Heartland Bancshares, Inc.,   Chicago         May 7, 2003
  Sugar Grove, Illinois
American Trust BanCorp,                Atlanta         May 6, 2003
  Roswell, Georgia
Bank of the San Juans                  Kansas City     May 21, 2003
  Bancorporation,
  Durango, Colorado
Citizens Bancshares Employee Stock     Kansas City     May 19, 2003
  Ownership Plan,
  Edmond, Oklahoma
The Farmers State Bank of Fort         Kansas City     May 20, 2003
  Morgan, Colorado Employee
  Stock Ownership Plan,
  Fort Morgan, Colorado
Five Star Bancorp,                     San Francisco   May 16, 2003
  Rocklin, California
Liberty Bancshares, Inc.,              St. Louis       May 16, 2003
  Jonesboro, Arkansas
MainSource Financial Group, Inc.,      Chicago         May 16, 2003
  Greensburg, Indiana
Main Street Banks, Inc.,               Atlanta         May 7, 2003
  Kennesaw, Georgia
Peotone Bancorp, Inc.,                 Chicago         May 23, 2003
  Peotone, Illinois
Founders Group, Inc,
  Worth, Illinois
PNB Bancshares, Inc.,                  Chicago         May 20, 2003
  Pekin, Illinois
Premier Bancshares, Inc.,              Dallas          May 29, 2003
  Dallas, Texas
Premier Delaware Bancshares,
  Dover, Delaware
Pulaski Investment Corporation,        St. Louis       May 20, 2003
  Little Rock, Arkansas
RAM Security Holdings, Ltd.,           Dallas          May 7, 2003
  Waco, Texas
RAM Security Holdings GP, Inc.,
  Waco Texas
Royal Palm Bancorp, Inc.,              Atlanta         May 22, 2003
  Naples, Florida
Jere J. Ruff Family Limited            Dallas          May 15, 2003
  Partnership II,
  Longview, Texas
Ruff Management, LLC,                  Dallas          May 15, 2003
  Longview, Texas
Ruff Partners, Ltd.,
  Longview, Texas
Service 1st Bancorp,                   San Francisco   May 8, 2003
  Stockton, California
Sleepy Hollow Bancorp, Inc.,           New York        May 19, 2003
  New York, New York
Southwest Bancorporation of            Dallas          April 10, 2003
  Texas, Inc.,
  Houston, Texas
Triangle Financial Group, Inc.,        Atlanta         May 21, 2003
  Loganville, Georgia
UCB Financial Group, Inc.,             Atlanta         May 20, 2003
  Atlanta, Georgia

Section 4

Applicant(s)                      Nonbanking Activity/Company

Cass Information Systems, Inc.,   Imaging Acceptance Corporation,
  Bridgeton, Missouri               Warrenton, Virginia
Independent Bank Corporation,     Mepco Insurance Premium Financing,
  Ionia, Michigan                   Chicago, Illinois

Applicant(s)                      Reserve Bank   Effective Date

Cass Information Systems, Inc.,   St. Louis      May 5, 2003
  Bridgeton, Missouri
Independent Bank Corporation,     Chicago        May 12, 2003
  Ionia, Michigan