Applications approved under Bank Holding Company Act. (Announcements).

By Federal Reserve Banks

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)

Aviston Financial Corporation,    Aviston Bancorp, Inc.,
  Trenton, Illinois                 Aviston, Illinois
                                  State Bank of Aviston,
                                    Aviston, Illinois
BOK Financial Corporation,        TW Interim National Bank, N.A.,
  Tulsa, Oklahoma                   Houston, Texas
                                  Bank of Tanglewood, N.A.,
                                    Houston, Texas
Cera Stichting VZW,               LBS Bank,
  Belgium                           New York, New York
Cera Beheersmaatschappij N.V.,    Nova Ljubljanska Banka d.d.,
  Belgium                           Ljubljana, Slovenia
Cera Holding CVBA,
  Belgium
Almancora CVA,
  Belgium
Almanij N.V.,
  Belgium
KBC Bankverzekerings holding
  N.V.,
  Belgium
KBC Bank N.V.,
  Belgium
The Colonial BancGroup, Inc.,     Palm Beach National Holding
  Montgomery, Alabama               Company,
                                    Palm Beach, Florida
                                  Palm Beach National Bank and Trust
                                    Company,
                                    Palm Beach, Florida
Commerce Financial Corporation,   Commerce Bank, N.A.,
  Marysville, Kansas                Marysville, Kansas
Community First Financial         Highlands Community Bank,
  Corporation,                      Covington, Virginia
  Lynchburg, Virginia
First Delta Bankshares, Inc.,     Bank of Trumann,
  Blytheville, Arkansas             Trumann, Arkansas
First York BanCorp,               NebraskaLand Financial Services,
  York, Nebraska                    Inc., York, Nebraska
North Fork Bancorporation,        North Fork NJ Interim Bank,
  Melville, New York                Jersey City, New Jersey
                                  North Fork Bank,
                                    Melville, New York
Randolph Bancorp,                 Randolph Savings Bank,
  Stoughton, Massachusetts          Randolph, Massachusetts
Sterling Bancshares, Inc.,        ENB Bankshares, Inc.,
  Houston, Texas                    Dallas, Texas
Sterling Bancorporation, Inc.,
  Wilmington, Delaware
United Community Bankshares of    United Heritage Bank,
  Florida,                          Orlando, Florida
  Orlando, Florida                Community National Bank of
                                    Mid-Florida,
                                    Lake Mary, Florida
United Financial, Inc.,           Alamance National Bank,
  Graham, North Carolina            Graham, North Carolina

Section 4

Applicant(s)                      Nonbanking Activity/Company

Allied Irish Banks, p.l.c.,       Clarity Incentive Systems, Inc.,
  Dublin, Ireland                   New York, New York
Allfirst Financial Inc.,
  Baltimore, Maryland
Goodenow Bancorporation,          To engage de novo in extending
  Okoboji, Iowa                     credit and servicing loans
Marshall & Ilsley Corporation,    Spectrum EBP, LLC,
  Milwaukee, Wisconsin              Atlanta, Georgia
                                  Metavante Corporation,
                                    Brown Deer, Wisconsin

Sections 3 and 4

Applicant(s)                      Nonbanking Activity/Company

Marshall & Ilsley Corporation,    Mississippi Valley Bancshares,
  Milwaukee, Wisconsin              Inc., St. Louis, Missouri
                                  Southwest Bank,
                                    Belleville, Illinois
                                  Southwest Bank of St. Louis,
                                    St. Louis, Missouri
                                  Southwest Bank of Phoenix,
                                    Phoenix, Arizona
                                  Mississippi Valley Capital
                                    Company, St. Louis, Missouri
                                  Eagle Fund, L.L.C.,
                                    St. Louis, Missouri
                                  Eagle Fund I, L.P.,
                                    St. Louis, Missouri

Section 3

Applicant(s)                      Reserve Bank   Effective Date

Aviston Financial Corporation,    St. Louis      August 7, 2002
  Trenton, Illinois
BOK Financial Corporation,        Kansas City    August 15, 2002
  Tulsa, Oklahoma
Cera Stichting VZW,               New York       August 22, 2002
  Belgium
Cera Beheersmaatschappij N.V.,
  Belgium
Cera Holding CVBA,
  Belgium
Almancora CVA,
  Belgium
Almanij N.V.,
  Belgium
KBC Bankverzekerings holding
  N.V.,
  Belgium
KBC Bank N.V.,
  Belgium
The Colonial BancGroup, Inc.,     Atlanta        August 2, 2002
  Montgomery, Alabama
Commerce Financial Corporation,   Kansas City    August 5, 2002
  Marysville, Kansas
Community First Financial         Richmond       August 13, 2002
  Corporation,
  Lynchburg, Virginia
First Delta Bankshares, Inc.,     St. Louis      July 31, 2002
  Blytheville, Arkansas
First York BanCorp,               Kansas City    August 15, 2002
  York, Nebraska
North Fork Bancorporation,        New York       August 8, 2002
  Melville, New York
Randolph Bancorp,                 Boston         August 19, 2002
  Stoughton, Massachusetts
Sterling Bancshares, Inc.,        Dallas         July 5, 2002
  Houston, Texas
Sterling Bancorporation, Inc.,
  Wilmington, Delaware
United Community Bankshares of    Atlanta        August 8, 2002
  Florida,
  Orlando, Florida
United Financial, Inc.,           Richmond       August 13, 2002
  Graham, North Carolina

Section 4

Applicant(s)                      Reserve Bank   Effective Date

Allied Irish Banks, p.l.c.,       Richmond       August 6, 2002
  Dublin, Ireland
Allfirst Financial Inc.,
  Baltimore, Maryland
Goodenow Bancorporation,          Chicago        August 12, 2002
  Okoboji, Iowa
Marshall & Ilsley Corporation,    Chicago        August 21, 2002
  Milwaukee, Wisconsin

Sections 3 and 4

Applicant(s)                      Reserve Bank   Effective Date

Marshall & Ilsley Corporation,    Chicago        August 13, 2002
  Milwaukee, Wisconsin