Applications approved under Bank Holding Company Act. (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

Central             Marquette Bank     Chicago        February 13, 2002
  Bancshares,         Illinois,
  Inc.,               Galesburg,
  Muscatine, Iowa     Illinois
Chittenden          Ocean National     Boston         February 13, 2002
  Corporation,        Corporation,
  Burlington,         Kennebunk,
  Vermont             Maine
                    Ocean National
                      Bank,
                      Kennebunk,
                      Maine
Citizens            Citizens           Kansas City    February 11, 2002
  Bancshares          Bancshares,
  Employee            Inc.,
  Stock Ownership     Edmond,
  Plan,               Oklahoma
  Edmond,
  Oklahoma
Dakota              The Midway         Minneapolis    February 6, 2002
  Bancshares,         National Bank
  Inc.,               of St. Paul,
  Mendota             St. Paul,
  Heights,            Minnesota
  Minnesota
First Merchants     Lafayette          Chicago        February 22, 2002
  Corporation,        Bancorpora-
  Muncie, Indiana     tion,
                      Lafayette,
                      Indiana
                    Lafayette Bank
                      and Trust
                      Company,
                      Lafayette,
                      Indiana
First Reliance      First Reliance     Richmond       February 25, 2002
  Bancshares,         Bank,
  Inc.,               Florence,
  Florence, South     South Carolina
  Carolina
First Service       FirstService       St. Louis      February 1, 2002
  Financial           Bank,
  Company,            Crestwood,
  Crestwood,          Missouri
  Missouri
Folkston            First National     Atlanta        February 25, 2002
  Investors, LLC,     Corporation,
  Savannah,           Folkston,
  Georgia             Georgia
Grant County        Grant County       Chicago        February 28, 2002
  State               State
  Bancshares,         Bancshares,
  Inc.                Swayzee,
  Employees Stock     Indiana
  Ownership
  Plan,
  Swayzee,
  Indiana
Lauritzen           First National     Kansas City    February 15, 2002
  Corporation,        of Nebraska,
  Omaha, Nebraska     Inc.,
                      Omaha,
                      Nebraska
Macatawa Bank       Grand Bank         Chicago        January 25, 2002
  Corporation,        Financial
  Holland,            Corporation,
  Michigan            Grand Rapids,
                      Michigan
                    Grand Bank,
                      Grand Rapids,
                      Michigan
Marshall & Ilsley   Century            Chicago        February 11, 2002
  Corporation,        Bancshares,
  Milwaukee,          Inc.,
  Wisconsin           Eden Prairie,
                      Minnesota
                    Century Bank,
                      N.A.,
                      Eden Prairie,
                      Minnesota
Marshall & Ilsley   Richfield State    Chicago        February 11, 2002
  Corporation,        Agency, Inc.,
  Milwaukee,          Richfield,
  Wisconsin           Minnesota
                    Richfield Bank
                      & Trust
                      Company,
                      Richfield,
                      Minnesota
Maunesha            Farmers &          Chicago        February 12, 2002
  Bancshares,         Merchants
  Inc.,               State Bank,
  Waterloo,           Waterloo,
  Wisconsin           Wisconsin
New Frontier        New Frontier       Kansas City    February 1, 2002
  Bancorp,            Bank,
  Greeley,            Greeley,
  Colorado            Colorado
Odin Bancshares,    Odin State Bank,   Minneapolis    January 24, 2002
  Inc.,               Odin,
  Odin, Minnesota     Minnesota
Riverdale           State Bank of      Kansas City    February 15, 2002
  Bancshares,         Riverdale,
  Inc.,               Riverdale,
  Riverdale,          Nebraska
  Nebraska
Signature           Signature Bank,    Cleveland      February 8, 2002
  Bancorp, Inc.,      National
  Toledo, Ohio        Association,
                      Toledo, Ohio
TCSB Bancorp,       Traverse City      Chicago        February 8, 2002
  Traverse City,      State Bank,
  Michigan            Traverse City,
                      Michigan
Tennessee Valley    TNBANK,            Atlanta        February 21, 2002
  Financial           Oak Ridge,
  Holdings, Inc.,     Tennessee
  Oak Ridge,
  Tennessee
Washington Trust    First Financial    Boston         February 4, 2002
  Bancorp, Inc.,      Corp.,
  Westerly, Rhode     Providence,
  Island              Rhode Island
                    First Bank and
                      Trust Company,
                      Providence,
                      Rhode Island
Section 4

                    Nonbanking
Applicant(s)        Activity/Company   Reserve Bank   Effective Date

The Banc            CF Bancshares,     Atlanta        January 31, 2002
  Corporation,        Inc.,
  Birmingham,         Port St. Joe,
  Alabama             Florida
                    Citizens Federal
                      Savings Bank
                      of
                      Port St. Joe,
                      Port St. Joe,
                      Florida
SouthTrust          Landmark           Atlanta        February 14, 2002
  Corporation,        Bancshares,
  Birmingham,         Inc.,
  Alabama             Euless, Texas
SouthTrust of       Landmark Bank,
  Alabama, Inc.,      Euless, Texas
  Birmingham,
  Alabama
Wausa Bancshares,   Anderson           Kansas City    February 27, 2002
  Inc.,               Insurance,
  Wausa, Nebraska     Bloomfield,
                      Nebraska