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

AmericanWest        Latah                San Francisco   July 5, 2002
  Bancorp,            Bancorporation,
  Spokane,            Latah,
  Washington          Washington
                    Bank of Latah,
                      Saint Maries,
                      Idaho
Bancshares of       Bank of Florida,     Atlanta         July 1, 2002
  Florida, Inc.,      Fort Lauderdale,
  Naples, Florida     Florida
CenterState Banks   CenterState Bank     Atlanta         July 18, 2002
  of Florida,         of Florida,
  Inc., Winter        Winter Haven,
  Haven, Florida      Florida
Countryside         Countryside Bank,    Kansas City     July 9, 2002
  Square Banc-        Meriden, Kansas
  shares, Inc.,
  Meriden, Kansas
Denison Capital     K.B.J. Enter-        Kansas City     June 27, 2002
  Enhancement         prises, Inc.,
  Trust, Omaha,       Omaha, Nebraska
  Nebraska
First Bancshares    First National
  of Texas, Inc.,     Bank of Midland,
  Midland, Texas      Midland, Texas
First Midland                            Dallas          July 24, 2002
  Nevada Corp,
  Reno, Nevada
First Delta         Bank of Trumann,     St. Louis       July 31, 2002
  Bankshares,         Trumann,
  Inc., Blythe-       Arkansas
  ville, Arkansas
First Financial     First Savings Bank   San Francisco   July 18, 2002
  Holdings, MHC,      of Renton,
  Renton,             Renton,
  Washington          Washington
First Financial
  of Renton,
  Inc., Renton,
  Washington
First Georgia       First Georgia        Atlanta         July 30, 2002
  Holding, Inc.,      Bank, Brunswick,
  Brunswick,          Georgia
  Georgia
First Security      First State Bank,    Atlanta         July 5, 2002
  Group,              Maynardville,
  Chattanooga,        Tennessee
  Tennessee
MainStreet Bank-    Franklin Community   Richmond        July 18, 2002
  Shares, Inc.,       Bank, N.A.,
  Martinsville,       Rocky Mount,
  Virginia            Virginia
Mid-Missouri        Central States       St. Louis       July 29, 2002
  Bancshares,         Bancshares,
  Inc., Spring-       Inc., Spring-
  field, Missouri     field, Missouri
                    Webb City Bank,
                      Webb City,
                      Missouri
Nebraska Bank-      Stockmens            Kansas City     July 31, 2002
  shares, Inc.,       Financial
  Farnam,             Corporation,
  Nebraska            Rapid City,
                      South Dakota
Orchid Financial    American Eagle       Chicago         July 5, 2002
  Bancorp, Inc.,      Bank, South
  St. Charles,        Elgin, Illinois
  Illinois
Overton Financial   Longview Financial   Dallas          June 4, 2002
  Corporation,        Corporation,
  Overton, Texas      Longview, Texas
Overton Delaware
  Corporation,
  Dover, Delaware
Pinnacle Bancorp,   Keene Bancorp,       Kansas City     July 24, 2002
  Inc., Central       Inc., Keene,
  City, Nebraska      Texas
                    Nichols Banc-
                      shares, Dover,
                      Delaware
                    First State Bank,
                      Keene, Texas
Pipestone County    Jasper State Bank,   Minneapolis     June 26, 2002
  Bancorp,            Jasper,
  Jasper,             Minnesota
  Minnesota
Port Financial      Cambridge Bancorp,   Boston          July 17, 2002
  Corp.,              Cambridge,
  Brighton,           Massachusetts
  Massachusetts
Prosperity          Paradigm Bancor-     Dallas          July 31, 2002
  Bancshares,         poration, Inc.,
  Houston, Texas      Houston, Texas
Richey Bancor-      Community First      Minneapolis     August 2, 2002
  poration, Inc.,     Bancorp, Inc.,
  Glendive,           Glendive,
  Montana             Montana
                    Community First
                      Bank, Glendive,
                      Montana
Security Bancorp    Patriot Bank,        St. Louis       July 10, 2002
  of Tennessee,       Millington,
  Inc., Halls,        Tennessee
  Tennessee
Sibley Capital      The Viking           Kansas City     June 27, 2002
  Enhancement         Corporation,
  Trust, Omaha,       Omaha, Nebraska
  Nebraska
Southern            Southern Community   Atlanta         July 9, 2002
  Community           Bank of South
  Bancorp,            Florida, Boca
  Orlando,            Raton, Florida
  Florida
Today's Bancorp,    Today's Bank,        San Francisco   July 17, 2002
  Inc.,               Vancouver,
  Vancouver,          Washington
  Washington
Tri-County          First State Bank     St. Louis       July 25, 2002
  Bancshares,         of Beecher City,
  Inc., Beecher       Beecher City,
  City, Illinois      Illinois
United National     Vista Bancorp,       New York        July 22, 2002
  Bancorp,            Inc., Phillips-
  Bridgewater,        burg, New Jersey
  New Jersey        Vista Bank, N.A.,
                      Phillipsburg,
                      New Jersey
West Financial,     Bank of the West,    Dallas          July 24, 2002
  Inc., El Paso,      El Paso, Texas
  Texas
Delaware West
  Financial,
  Inc., Dover,
  Delaware

Section 4

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

BB&T Corporation,   Regional Financial   Richmond        August 1, 2002
  Winston-Salem,      Corporation,
  North Carolina      Tallahassee,
                      Florida
Marshall & Ilsley   PAYTRU$T, Inc.,      Chicago         July 18, 2002
  Corporation,        Lawrenceville,
  Milwaukee,          New Jersey
  Wisconsin

Sections 3 and 4

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

First Midwest       First Midwest        Kansas City     July 17, 2002
  Acquisition         Bancorp, Inc.,
  Corporation,        Midwest City,
  Midwest City,       Oklahoma
  Oklahoma          FinancePoint,
                      Inc., Del City,
                      Oklahoma