Applications approved under Bank Holding Company Act. (Legal Developments).

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

BFM Bancshares,    Citizens           Kansas City     March 15, 2002
  Inc.,              National Bank
  Kingman,           & Trust
  Kansas             Company,
                     Anthony,
                     Kansas
Border             Northern Plains    Minneapolis     March 25, 2002
  Bancshares,        Bancshares,
  Inc.,              Inc.,
  Greenbush,         Thief River
  Minnesota          Falls,
                     Minnesota
                   First National
                     Bank,
                     Thief River
                     Falls,
                     Minnesota
CNB Bancorp,       Citizens           Richmond        March 11, 2002
  Inc.,              National Bank,
  Windsor,           Windsor,
  Virginia           Virginia
Coastal            Apalachicola       Atlanta         March 14, 2002
  Community          State Banking
  Investments,       Corporation,
  Inc.,              Apalachicola,
  Panama City        Florida
  Beach, Florida
Credit Riviere     First State Bank   Minneapolis     March 11, 2002
  Corporation,       of Sinai,
  Austin, Texas      Sinai, South
                     Dakota
First Community    First Community    St. Louis       March 19, 2002
  Bancshares,        Bank, Xenia-
  Xenia,             Flora,
  Illinois           Xenia,
                     Illinois
First Staunton     Hamel Bancorp,     St. Louis       March 20, 2002
  Bancshares,        Inc.,
  Inc.,              Hamel,
  Staunton,          Illinois
  Illinois         Hamel State
                     Bank,
                     Hamel,
                     Illinois
Grant County       Grant County       Chicago         February 28, 2002
  State              State
  Bancshares,        Bancshares,
  Inc.               Swayzee,
  Employees          Indiana
  Stock
  Ownership
  Plan,
  Swayzee,
  Indiana
HomeTown           HomeTown           San Francisco   March 28, 2002
  Financial          National Bank,
  Services,          Longview,
  Inc.,              Washington
  Longview,
  Washington
Krey Co., Ltd.,    Farmers State      Kansas City     March 21, 2002
  Pratt,             Bank,
  Oklahoma           Hardtner,
                     Kansas
Lubco              Shamrock           Dallas          February 28, 2002
  Bancshares,        Bancshares,
  Inc.,              Inc.,
  Slaton, Texas      Shamrock,
                     Texas
                   Shamrock
                     Delaware
                     Financial,
                     Inc.,
                     Dover,
                     Delaware
                   The First
                     National Bank
                     of Shamrock,
                     Shamrock,
                     Texas
Marion County      Triangle           Atlanta         March 15, 2002
  Bancshares,        Bancorpo-
  Inc.,              ration,
  Hamilton,          Carbon Hill,
  Alabama            Alabama
                   Bank of Carbon
                     Hill,
                     Carbon Hill,
                     Alabama
                   Bank of Berry,
                     Berry, Alabama
                   Bank of Parrish,
                     Parrish,
                     Alabama
Regions            Brookhollow        Atlanta         March 11, 2002
  Financial          Bancshares,
  Corporation,       Inc.,
  Birmingham,        Dallas, Texas
  Alabama
SBN Community      State Bank of      Chicago         March 28, 2002
  Bancorp, Inc.,     Newburg,
  Newburg,           Newburg,
  Wisconsin          Wisconsin

Section 4

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

Allegiant          Allegiant          St. Louis       March 19, 2002
  Bancorp, Inc.,     Community
  St. Louis,         Development
  Missouri           Corporation,
                     Clayton,
                     Missouri
Bayerishe          Kommanditge-       New York        March 19, 2002
  Landesbank         sellschaft
  Girozentrale,      Allgemeine
  Munich,            Leasing
  Germany            GmbH & Co.,
                     Grunwald,
                     Germany
Colony Bankcorp,   Quitman Bancorp,   Atlanta         February 28, 2002
  Inc.,              Inc.,
  Fitzgerald,        Quitman,
  Georgia            Georgia
                   Quitman Federal
                     Savings Bank,
                     Quitman,
                     Georgia
Concord EFS,       Logix Companies,   St. Louis       February 28, 2002
  Inc.,              LLC,
  Memphis,           Longmont,
  Tennessee          Colorado
Exchange           To engage de       Kansas City     March 4, 2002
  Bankshares         novo in
  Corporation,       extending
  Atchison,          credit and
  Kansas             servicing
                     loans
National           Peoples            Cleveland       March 5, 2002
  Bancshares         Financial
  Corporation,       Corporation,
  Orrville, Ohio     Massillon,
                     Ohio