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

Alapaha Holding Company,     Bank of Alapaha,             Atlanta
  Alapaha, Georgia             Alapaha, Georgia
America Bancshares, Inc.,    Sun Country Bank,            San Francisco
  Newport, Minnesota         Victorville, California
The Bank Holdings,           Nevada Security Bank,        San Francisco
  Reno, Nevada                 Reno, Nevada
Community State Bank         Union Bancorporation,        Chicago
  Employee Stock Owner-        Inc., Union Grove,
  ship Plan and Trust,         Wisconsin
  Union Grove, Wisconsin     Community State Bank,
                               Union Grove, Wisconsin
Continental Bancorpora-      Continental Bank,            San Francisco
  tion, Salt Lake City,        Salt Lake City, Utah
  Utah
First Advantage Banc-        First Advantage Bank,        Minneapolis
  shares, Inc., Coon           Coon Rapids, Minnesota
  Rapids, Minnesota
F.N.B. Corporation,          Sun Bancorp, Inc.,           Atlanta
  Naples, Florida              Lewisburg, Pennsylvania
                             Sun Bank,
                               Lewisburg, Pennsylvania
Frederick County Bancorp,    Frederick County Bank,       Richmond
  Inc., Frederick,             Frederick, Maryland
  Maryland
GB&T Bancshares, Inc.,       Baldwin Bancshares, Inc.,    Atlanta
  Gainesville, Georgia         Milledgeville, Georgia
                             First National Bank of
                               the South, Milledge-
                               ville, Georgia
Independence Bancorp,        I-Bank,                      St. Louis
  New Albany, Indiana          Louisville, Kentucky
Harrodsburg First Finan-
  cial Bancorp, Inc.,
  Harrodsburg, Kentucky
Liberty Financial Servi-     First American Bank,         Atlanta
  ces, Inc., New Orleans,      Jackson, Mississippi
  Louisiana
Maple Financial Holding      Maple Bank,                  Minneapolis
  Company, Champlin,           Champlin, Minnesota
  Minnesota
Marquette Financial          Valley Bancorp, Inc.,        Minneapolis
  Companies, Minneapolis,      Phoenix, Arizona
  Minnesota                  Valley Bank of Arizona,
                               Phoenix, Arizona
PeoplesBancorp, MHC,         PeoplesBank,                 Boston
  Holyoke, Massachusetts       Holyoke, Massachusetts
                             Peoples Savings Bank,
                               Holyoke, Massachusetts
Peoples Bancshares, Inc.,    MidAmerican Bancshares,      Kansas City
  Kansas City, Missouri        Inc., Harrisonville,
                               Missouri
Platte County Bancshares,
  Inc., Platte City,
  Missouri
Traditions Bancshares,       Traditions Bank,             Atlanta
  Inc., Cullman, Alabama       Cullman, Alabama
Weed Investment Group,       The Eastern Colorado         Kansas City
  Inc., Cheyenne Wells,        Bank, Cheyenne Wells,
  Colorado                     Colorado

Applicant(s)                 Effective Date

Alapaha Holding Company,     July 22, 2003
  Alapaha, Georgia
America Bancshares, Inc.,    July 9, 2003
  Newport, Minnesota
The Bank Holdings,           July 1, 2003
  Reno, Nevada
Community State Bank         July 22, 2003
  Employee Stock Owner-
  ship Plan and Trust,
  Union Grove, Wisconsin
Continental Bancorpora-      July 3, 2003
  tion, Salt Lake City,
  Utah
First Advantage Banc-        July 18, 2003
  shares, Inc., Coon
  Rapids, Minnesota
F.N.B. Corporation,          July 11, 2003
  Naples, Florida
Frederick County Bancorp,    July 10, 2003
  Inc., Frederick,
  Maryland
GB&T Bancshares, Inc.,       July 14, 2003
  Gainesville, Georgia
Independence Bancorp,        July 10, 2003
  New Albany, Indiana
Harrodsburg First Finan-
  cial Bancorp, Inc.,
  Harrodsburg, Kentucky
Liberty Financial Servi-     July 8, 2003
  ces, Inc., New Orleans,
  Louisiana
Maple Financial Holding      July 18, 2003
  Company, Champlin,
  Minnesota
Marquette Financial          July 15, 2003
  Companies, Minneapolis,
  Minnesota
PeoplesBancorp, MHC,         July 7, 2003
  Holyoke, Massachusetts
Peoples Bancshares, Inc.,    July 17, 2003
  Kansas City, Missouri
Platte County Bancshares,
  Inc., Platte City,
  Missouri
Traditions Bancshares,       July 18, 2003
  Inc., Cullman, Alabama
Weed Investment Group,       July 1, 2003
  Inc., Cheyenne Wells,
  Colorado

Section 4

                             Nonbanking Activity/
Applicant(s)                 Company                      Reserve Bank

BTC Financial Corpora-       Midamerica Investment        Chicago
  tion, Des Moines, Iowa       Advisory Group, Inc.,
Midamerica Financial         Des Moines, Iowa
  Corporation, Des
  Moines, Iowa
Community Bank System,       PricewaterhouseCoopers,      New York
  Inc., Dewitt, New York       LLP, Syracuse, New York
Franklin Bancorp. Inc.,      Sunrise Community Banks,     Minneapolis
  St. Paul, Minnesota          St. Paul, Minnesota

Applicant(s)                 Effective Date

BTC Financial Corpora-       July 24, 2003
  tion, Des Moines, Iowa
Midamerica Financial
  Corporation, Des
  Moines, Iowa
Community Bank System,       July 14, 2003
  Inc., Dewitt, New York
Franklin Bancorp. Inc.,      July 8, 2003
  St. Paul, Minnesota