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

                                         Reserve
Applicant(s)        Bank(s)              Bank            Effective Date

Access National     Access National      Richmond        May 31, 2002
  Corporation,        Bank, Chantilly,
  Chantilly,          Virginia
  Virginia
Ames National       United Bank &        Chicago         May 9, 2002
  Corporation,        Trust N.A.,
  Ames, Iowa          Marshalltown,
                      Iowa
Carolina National   Carolina National    Richmond        May 31, 2002
  Corporation,        Bank and Trust
  Columbia,           Company,
  South Carolina      Columbia,
                      South Carolina
Charter One         Charter National     Cleveland       May 1, 2002
  Financial Inc.,     Bancorp,
  Cleveland, Ohio     Taylor,
                      Michigan
Charter-Michigan
  Bancorp,
  Dearborn,
  Michigan
Citizens Bank       Citizens             San Francisco   May 23, 2002
  Holding             Community
  Company,            Business Bank,
  Pocatello,          Pocatello,
  Idaho               Idaho
Community First     Community First      Richmond        May 6, 2002
  Financial           Bank,
  Corporation,        Lynchburg,
  Lynchburg,          Virginia
  Virginia
Community Valley    Butte Community      San Francisco   May 1, 2002
  Bancorp,            Bank, Chico,
  Chico,              California
  California
CSB Financial       Community State      New York        May 3, 2002
  Corporation,        Bank, Teaneck,
  Teaneck, New        New Jersey
  Jersey
FCB Florida         First Commercial     Atlanta         April 26, 2002
  Bancorporation,     Bank of
  Inc, Orlando,       Florida,
  Florida             Orlando, Florida
First Capital       1st Financial        Kansas City     May 30, 2002
  Investments,        Bancshares,
  L.L.C.,             Inc., Overland
  Lee's Summit,       Park, Kansas
  Missouri
First Citizens      Metropolitan         St. Louis       May 1, 2002
  Bancshares,         Bancshares,
  Inc.,               Inc., Munford,
  Dyersburg,          Tennessee
  Tennessee
                    The Munford Union
                      Bank, Munford,
                      Tennessee
First York          NebraskaLand         Kansas City     May 8, 2002
  BanCorp,            Financial
  York, Nebraska      Services, Inc.,
                      Lincoln,
                      Nebraska
J.R. Montgomery     The Fort Sill        Kansas City     May 30, 2002
  Bancorporation,     National Bank,
  Inc.,               Fort Sill,
  Lawton,             Oklahoma
  Oklahoma
Marshall            Norkitt Bancorp,     Minneapolis     April 30, 2002
  Bancorp, Inc.,      Inc.,
  Mineapolis,         Mineapolis,
  Minnesota           Minnesota
                    Northwestern State
                      Bank of Hallock,
                      Hallock,
                      Minnesota
Metropolitan        FirstCom Bancorp,    Chicago         May 7, 2002
  Bank Group,         Chicago,
  Chicago,            Illinois
  Illinois
Metropolitan        First Commercial
  Bancorp, Inc.,      Bank, Chicago,
  Chicago,            Illinois
  Illinois
Plaza Bancorp,
  Inc., Norridge,
  Illinois
MidCarolina         MidCarolina Bank,    Richmond        April 24, 2002
  Financial           Burlington,
  Corporation,        North Carolina
  Burlington,
  North Carolina
Midwest Bankers'    Nebraska Bankers'    St. Louis       May 30, 2002
  Bancorporation,     Bank, National
  Inc.,               Association,
  Jefferson           Lincoln,
  City, Missouri      Nebraska
Nicolet             Nicolet National     Chicago         May 1, 2002
  Bankshares,         Bank, Green
  Inc., Green         Bay, Wisconsin
  Bay, Wisconsin
NorCal Community    Bank of Alameda,     San Francisco   May 23, 2002
  Bancorp,            Alameda,
  Alameda,            California
  California
North State         North State Bank,    Richmond        May 23, 2002
  Bancorp,            Raleigh, North
  Raleigh, North      Carolina
  Carolina
Pacific State       Pacific State        San Francisco   May 7, 2002
  Bancorp,            Bank, Stockton,
  Stockton,           California
  California
Peoples State       Peoples State        Mineapolis      May 3, 2002
  Bancorp, Inc.,      Bank of
  Munising,           Munising,
  Michigan            Munising,
                      Michigan
South Coastal       South Coastal        Boston          May 2, 2002
  Holdings MHC,       Bank,
  Inc., Rockland,     Rockland,
  Massachusetts       Massachusetts
State Bancshares    K. Roberts, Inc.,    Mineapolis      May 3, 2002
  of Ulen, Inc.,      Hendrum,
  Dilworth,           Minnesota
  Minnesota
                    Viking Bank,
                      Hendrum,
                      Minnesota

Section 4

                    Nonbanking Acti-     Reserve
Applicant(s)        vity/Company         Bank            Effective Date

Allegiant           Allegiant Capital    St. Louis       May 6, 2002
  Bancorp, Inc.,      Corporation,
  St. Louis,          St. Louis,
  Missouri            Missouri
Black Diamond       To engage de novo    Atlanta         May 30, 2002
  Financial           in investment
  Group, Inc.,        advisory
  Tampa, Florida      activities
Heritage Group,     Heritage             Kansas City     May 14, 2002
  Inc.,               Reinsurance,
  Aurora,             Inc., Aurora,
  Nebraska            Nebraska
R&G Financial       The Crown Group,     New York        May 28, 2002
  Corporation,        Inc.,
  San Juan,           Casselberry,
  Puerto Rico         Florida
                    Crown Bank,
                      Casselberry,
                      Florida
Sunstate            Sunstate             San Francisco   May 23, 2002
  Bancshares,         Bancshares
  Inc.,               Mortgages, LLC
  Casa Grande,        Casa Grande,
  Arizona             Arizona
                    Axis Mortgages,
                      Inc., Casa
                      Grande, Arizona

Sections 3 and 4

                    Nonbanking Acti-     Reserve
Applicant(s)        vity/Company         Bank            Effective Date

Peoples Bancorp.,   Peoples Bank,        Chicago         May 8, 2002
  Rock Valley,        Rock Valley,
  Iowa                Iowa
                    Peoples Financial,
                      Inc.,
                      Rock Valley,
                      Iowa