Applications approved under Bank Holding Company Act by Secretary of the Board. (Legal Developments).

APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY ACT
By Secretary of the Board

Recent applications have been approved by the Secretary of the
Board as listed below. Copies are available upon request to the
Freedom of Information Office, Board of Governors of the
Federal Reserve System, Washington, D.C. 20551.

Section 4

Applicant(s)               Bank(s)                   Effective Date

Wells Fargo & Company,     Montgomery Asset          December 23, 2002
  San Francisco,             Management, LLC, San
  California                 Francisco, California
Wells Fargo Funds
  Management, LLC, San
  Francisco, California
Wells Capital Management
  Incorporated, Los
  Angeles, California

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)

Ambanc Financial Services, Inc.,      Central Lakes Bancorporation,
  Beaver Dam, Wisconsin                 Inc., Necedah, Wisconsin
                                      Necedah Bank,
                                        Necedah, Wisconsin
Bridge Street Financial, Inc.,        Oswego County National Bank,
  Oswego, New York                      Oswego, New York
CenterState Banks of Florida, Inc.,   CenterState Bank of Florida,
  Winter Haven, Florida                 Winter Haven, Florida
Central Missouri Shares, Inc.,        Central Shares, Inc.,
  Lebanon, Missouri                     Lebanon, Missouri
                                      Central Bank,
                                        Lebanon, Missouri
Commerce Bancorp,                     The Bancorp Inc.,
  Cherry Hill, New Jersey               Wilmington, Delaware
Community Financial Corporation,      Community Bank Owatonna,
  Owatonna, Minnesota                   Owatonna, Minnesota
FBOP Corporation,                     PNB Financial Corp.,
  Oak Park, Illinois                    Chicago, Illinois
                                      Park National Bank and Trust
                                        of Chicago,
                                        Chicago, Illinois
First Bancorp,                        Carolina Community Bancshares,
  Troy, North Carolina                  Inc., Latta, South Carolina
First Federal Financial Corporation   First Federal Savings Bank
  of Kentucky,                          of Elizabethtown, Inc.,
  Elizabethtown, Kentucky               Elizabethtown, Kentucky
First Interstate Bancsystem, Inc.,    Silver Run Bancorporation, Inc.,
  Billings, Montana                     Red Lodge, Montana
                                      United States National Bank
                                        of Red Lodge,
                                        Red Lodge, Montana
First State Associates, Inc.,         Hawarden Banking Company,
  Hawarden, Iowa                        Hawarden, Iowa
Old O'Brien Banc Shares, Inc.,
  Sutherland, Iowa
First State Bancorp,                  First State Bank of California,
  Granada Hills, California             Granada Hills, California
Harrodsburg First Financial           Independence Bancorp,
  Bancorp, Inc.,                        New Albany, Indiana
  Harrodsburg, Kentucky               Independence Bank,
                                        New Albany, Indiana
Herky Hawk Financial Corp.,           Munter Agency, Inc.,
  Monticello, Iowa                      Strawberry Point, Iowa
                                      Union Bank & Trust Company,
                                        Strawberry Point, Iowa
Independent Holdings, Inc.,           Independent Bank,
  Memphis, Tennessee                    Memphis, Tennessee
Liberty Financial Group, Inc.,        LibertyBank,
  Eugene, Oregon                        Eugene, Oregon
Maedgen & White, Ltd.,                Independent Financial, Inc.,
  Dallas, Texas                         Lubbock, Texas
Plains Capital Corporation,           Whisperwood National Bank,
  Dallas, Texas                         Lubbock, Texas
Marshfield Investment Company         Marshfield Investment Company,
  Employee Stock Ownership Plan         Springfield, Missouri
  and Trust,                          Metropolitan National Bank,
  Springfield, Missouri                 Springfield, Missouri
                                      First National Bank,
                                        Lamar, Missouri
                                      Bank of Kimberling City,
                                        Kimberling City, Missouri
Mercantile Bancorp, Inc.,             New Frontier Bancshares, Inc.,
  Quincy, Illinois                      St. Charles, Missouri
Neighbors Bancshares, Inc.,           Neighbors Bank,
  Roswell, Georgia                      Roswell, Georgia
New CCB, Inc.,                        CCB Financial Corporation,
  Sandy, Oregon                         Sandy, Oregon
                                      Clackamas County Bank,
                                        Sandy, Oregon
New West Banks of Colorado, Inc.,     New West Bank,
  Greeley, Colorado                     Greeley, Colorado
Pinnacle S-Corp, Inc.,                Pinnacle Bank,
  Elberton, Georgia                     Elberton, Georgia
Prairieland Bancorp Employee Stock    Prairieland Bancorp, Inc.,
  Ownership Plan and Trust,             Bushnell, Illinois
  Bushnell, Illinois                  Farmers and Merchants State
                                        Bank, Bushnell, Illinois
Reynolds, Teague, Thurman             First National Bank of Moody,
  Financial Corp.,                      Moody, Texas
  Moody, Texas
RTT Delaware Holdings Inc.,
  Wilmington, Delaware
Synovus Financial Corp.,              FNB Bankshares, Inc.,
  Columbus, Georgia                     Covington, Georgia
                                      First Nation Bank,
                                        Covington, Georgia
Tate Interim, Inc.,                   Tate Financial Corporation,
  Senatobia, Mississippi                Senatobia, Mississippi
                                      Senatobia Bank,
                                        Senatobia, Mississippi
TCB S-Corp, Inc.,                     Countybank,
  Green. wood, South Carolina           Greenwood, South Carolina

Applicant(s)                          Reserve Bank    Effective Date

Ambanc Financial Services, Inc.,      Chicago         December 13, 2002
  Beaver Dam, Wisconsin
Bridge Street Financial, Inc.,        New York        December 31, 2002
  Oswego, New York
CenterState Banks of Florida, Inc.,   Atlanta         December 9, 2002
  Winter Haven, Florida
Central Missouri Shares, Inc.,        St. Louis       December 16, 2002
  Lebanon, Missouri
Commerce Bancorp,                     Philadelphia    December 31, 2002
  Cherry Hill, New Jersey
Community Financial Corporation,      Minneapolis     December 6, 2002
  Owatonna, Minnesota
FBOP Corporation,                     Chicago         December 27, 2002
  Oak Park, Illinois
First Bancorp,                        Richmond        December 17, 2002
  Troy, North Carolina
First Federal Financial Corporation   St. Louis       December 24, 2002
  of Kentucky,
  Elizabethtown, Kentucky
First Interstate Bancsystem, Inc.,    Minneapolis     December 11, 2002
  Billings, Montana
First State Associates, Inc.,         Chicago         December 4, 2002
  Hawarden, Iowa
Old O'Brien Banc Shares, Inc.,
  Sutherland, Iowa
First State Bancorp,                  San Francisco   December 20, 2002
  Granada Hills, California
Harrodsburg First Financial           St. Louis       December 6, 2002
  Bancorp, Inc.,
  Harrodsburg, Kentucky
Herky Hawk Financial Corp.,           Chicago         December 20, 2002
  Monticello, Iowa
Independent Holdings, Inc.,           St. Louis       December 17, 2002
  Memphis, Tennessee
Liberty Financial Group, Inc.,        San Francisco   December 9, 2002
  Eugene, Oregon
Maedgen & White, Ltd.,                Dallas          December 11, 2002
  Dallas, Texas
Plains Capital Corporation,
  Dallas, Texas
Marshfield Investment Company         St. Louis       December 13, 2002
  Employee Stock Ownership Plan
  and Trust,
  Springfield, Missouri
Mercantile Bancorp, Inc.,             St. Louis       December 13, 2002
  Quincy, Illinois
Neighbors Bancshares, Inc.,           Atlanta         December 18, 2002
  Roswell, Georgia
New CCB, Inc.,                        San Francisco   December 26, 2002
  Sandy, Oregon
New West Banks of Colorado, Inc.,     Kansas City     December 30, 2002
  Greeley, Colorado
Pinnacle S-Corp, Inc.,                Atlanta         December 6, 2002
  Elberton, Georgia
Prairieland Bancorp Employee Stock    Chicago         December 20, 2002
  Ownership Plan and Trust,
  Bushnell, Illinois
Reynolds, Teague, Thurman             Dallas          December 4, 2002
  Financial Corp.,
  Moody, Texas
RTT Delaware Holdings Inc.,
  Wilmington, Delaware
Synovus Financial Corp.,              Atlanta         December 20, 2002
  Columbus, Georgia
Tate Interim, Inc.,                   St. Louis       December 16, 2002
  Senatobia, Mississippi
TCB S-Corp, Inc.,                     Richmond        December 9, 2002
  Green. wood, South Carolina

Section 4

Applicant(s)                          Nonbanking Activity/Company

BB&T Corporation,                     Equitable Bank,
  Winston-Salem, North Carolina         Wheaton, Maryland
Boston Private Financial              Coldstream Holdings, Inc.,
  Holdings, Inc.,                       Bellevue, Washington
  Boston, Massachusetts               Coldstream Capital Management,
                                        Inc., Bellevue, Washington
                                      Coldstream Securities, Inc.,
                                        Bellevue, Washington
Castle Creek Capital Partners         Union Acceptance Corporation,
  Fund IIa, LP,                         Indianapolis, Indiana
  Rancho Santa Fe, California
Castle Creek Capital Partners
  Fund IIb, LP
  Rancho Santa Fe, California
Eagle Investment Company, Inc.,       To engage de novo in extending
  Glenwood, Minnesota                   loans
Eggemeyer Advisory Corp.,             Union Acceptance Corporation,
  Rancho Santa Fe, California           Indianapolis, Indiana
WJR Corp.,                            Castle Creek Capital Partners
  Rancho Santa Fe, California           Fund IIb, LP,
Castle Creek Capital LLC,               Rancho Santa Fe, California
  Rancho Santa Fe, California         Castle Creek Capital Partners
                                        Fund I, LP,
                                        Rancho Santa Fe, California
Minnwest Corporation,                 Minnwest Investment and
  Minnetonka, Minnesota                 Insurance Center, Inc.,
                                        Montevideo, Minnesota
MountainBank Financial Corporation,   Trustco Holding, Inc.,
  Hendersonville, North Carolina        Greenville, South Carolina
State Bankshares, Inc.,               State Bank of Moorehead,
  Fargo, North Dakota                   Moorehead, Minnesota
                                      Northern Capital Holding
                                        Company, Fargo, North Dakota
Vision Bancshares, Inc.,              Vision Bank, FSB,
  Gulf Shores, Alabama                  Panama City, Florida

Applicant(s)                          Reserve Bank    Effective Date

BB&T Corporation,                     Richmond        December 26, 2002
  Winston-Salem, North Carolina
Boston Private Financial              Boston          December 16, 2002
  Holdings, Inc.,
  Boston, Massachusetts
Castle Creek Capital Partners         San Francisco   December 24, 2002
  Fund IIa, LP,
  Rancho Santa Fe, California
Castle Creek Capital Partners
  Fund IIb, LP
  Rancho Santa Fe, California
Eagle Investment Company, Inc.,       Minneapolis     December 12, 2002
  Glenwood, Minnesota
Eggemeyer Advisory Corp.,             San Francisco   December 24, 2002
  Rancho Santa Fe, California
WJR Corp.,
  Rancho Santa Fe, California
Castle Creek Capital LLC,
  Rancho Santa Fe, California
Minnwest Corporation,                 Minneapolis     December 17, 2002
  Minnetonka, Minnesota
MountainBank Financial Corporation,   Richmond        December 24, 2002
  Hendersonville, North Carolina
State Bankshares, Inc.,               Minneapolis     November 27, 2002
  Fargo, North Dakota
Vision Bancshares, Inc.,              Atlanta         December 30, 2002
  Gulf Shores, Alabama