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)

Andrews Holding Company,              Commercial State Bank,
  Andrews, Texas                        Andrews, Texas
BancorpSouth, Inc.,                   Pinnacle Bancshares, Inc.,
  Tupelo, Mississippi                   Little Rock, Arkansas
                                      Pinnacle Bank,
                                        Little Rock, Arkansas
Baylor Bancshares, Inc.,              Citizens State Bank,
  Seymour, Texas                        Princeton, Texas
Baylor/Delaware Corporation,
  Wilmington, Delaware
Bryan-Heritage Limited Partnership,   The First National Bank of Bryan,
  Bryan, Texas                          Bryan, Texas
Bryan Family Management Trust,
  Bryan, Texas
Buerge Bancshares, Inc.,              Grand Lake Bancorp, Inc.,
  Joplin, Missouri                      Tulsa, Oklahoma
                                      Sarcoxie Bancorp, Inc.,
                                        Sarcoxie, Missouri
CBA Bancshares, Inc.,                 Community Bank of Arizona,
  Minneapolis, Minnesota                Wickenburg, Arizona
C&S Bancorporation, Inc.,             Citizens & Southern Bank,
  Savannah, Georgia                     Savannah, Georgia
First Charter Corporation,            United Community Bancorp,
  Charlotte, North Carolina             Hickory, North Carolina
First National of Illinois, Inc.,     Castle Bank, N.A.,
  Omaha, Nebraska                       DeKalb, Illinois
First National of Nebraska, Inc.,     First National of Illinois, Inc.,
  Omaha, Nebraska                       Omaha, Nebraska
F.N.B. Corporation,                   Sun Bancorp, Inc.,
  Naples, Florida                       Selinsgrove, Pennsylvania
                                      Sun Bank,
                                        Selinsgrove, Pennsylvania
Hardin County Bancorp, Inc.,          State Bank of Rosiclare,
  Rosiclare, Illinois                   Rosiclare, Illinois
Jane Austin Chapman Limited           Austin Bancorp, Inc.,
  Partnership, L.P.,                    Jacksonville, Texas
  Jacksonville, Texas                 Capital Bancorp, Inc.,
                                        Jacinto City, Texas
                                      Frankston Bancorp, Inc.,
                                        Frankston, Texas
                                      First State Bank, Athens,
                                        Athens, Texas
Lauritzen Enterprises,                Farmers & Merchants State Bank,
  Omaha, Nebraska                       Bloomfield, Nebraska
Macatawa Bank Corporation,            Grand Bank Financial Corporation,
  Holland, Michigan                     Grand Rapids, Michigan
                                      Grand Bank,
                                        Grand Rapids, Michigan
Mercantile Bancorp, Inc.,             NorthStar Bancshares, Inc.,
  Quincy, Illinois                      Kansas City, Missouri
                                      NorthStar Bank, N.A.,
                                        Kansas City, Missouri
Northern Plains Investment, Inc.,     North Star Holding Company, Inc.,
  Jamestown, North Dakota               Jamestown, North Dakota
                                      Stutsman County State Bank,
                                        Jamestown, North Dakota
Texas Regional Bancshares, Inc.,      Riverway Holdings, Inc.,
  McAllen, Texas                        Houston, Texas
Texas Regional Delaware, Inc.,        Riverway Bank,
  Wilmington, Delaware                  Houston, Texas
Williamstown Mutual Holding           Williamstown Savings Bank,
  Company,                              Williamstown, Massachusetts
  Williamstown, Massachusetts

Section 4

Applicant(s)                          Nonbanking Activity/Company

FBOP Corporation,                     Gateway Investment Services,
  Oak Park, Illinois                    Inc., Los Angeles, California
Mahaska Investment Company,           To engage in the permissible
  Oskaloosa, Iowa                       nonbanking activity of data
                                        processing
Meader Insurance Agency, Inc.,        Waverly Insurance Agency, Inc.,
  Waverly, Kansas                       Waverly, Kansas
Union Planters Corporation,           Union Planters Investment
  Memphis, Tennessee                    Advisors, Inc.,
                                        Memphis, Tennessee

Sections 3 and 4

Applicant(s)                          Nonbanking Activity/Company

BB&T Corporation,                     Area Bancshares Corporation,
  Winston-Salem, North Carolina         Owensboro, Kentucky
BB&T Corporation,                     Mid-America Bancorp,
  Winston-Salem, North Carolina         Louisville, Kentucky

Section 3

Applicant(s)                          Reserve Bank    Effective Date

Andrews Holding Company,              Dallas          January 16, 2002
  Andrews, Texas
Bancorpsouth, Inc.,                   St. Louis       December 31, 2001
  Tupelo, Mississippi
Baylor Bancshares, Inc.,              Dallas          January 17, 2002
  Seymour, Texas
Baylor/Delaware Corporation,
  Wilmington, Delaware
Bryan-Heritage Limited Partnership,   Dallas          January 9, 2002
  Bryan, Texas
Bryan Family Management Trust,
  Bryan, Texas
Buerge Bancshares, Inc.,              Kansas City     January 25, 2002
  Joplin, Missouri
CBA Bancshares, Inc.,                 San Francisco   January 10, 2002
  Minneapolis, Minnesota
C&S Bancorporation, Inc.,             Atlanta         January 8, 2002
  Savannah, Georgia
First Charter Corporation,            Richmond        January 18, 2002
  Charlotte, North Carolina
First National of Illinois, Inc.,     Kansas City     January 16, 2002
  Omaha, Nebraska
First National of Nebraska, Inc.,     Kansas City     January 16, 2002
  Omaha, Nebraska
F.N.B. Corporation,                   Atlanta         January 4, 2002
  Naples, Florida
Hardin County Bancorp, Inc.,          St. Louis       January 24, 2002
  Rosiclare, Illinois
Jane Austin Chapman Limited           Dallas          January 3, 2002
  Partnership, L.P.,
  Jacksonville, Texas
Lauritzen Enterprises,                Kansas City     January 4, 2002
  Omaha, Nebraska
Macatawa Bank Corporation,            Chicago         January 25, 2002
  Holland, Michigan
Mercantile Bancorp, Inc.,             St. Louis       January 15, 2002
  Quincy, Illinois
Northern Plains Investment, Inc.,     Minneapolis     February 1, 2002
  Jamestown, North Dakota
Texas Regional Bancshares, Inc.,      Dallas          January 4, 2002
  McAllen, Texas
Texas Regional Delaware, Inc.,
  Wilmington, Delaware
Williamstown Mutual Holding           Boston          January 9, 2002
  Company,
  Williamstown, Massachusetts

Section 4

Applicant(s)                          Reserve Bank    Effective Date

FBOP Corporation,                     Chicago         January 2, 2002
  Oak Park, Illinois
Mahaska Investment Company,           Chicago         December 26, 2001
  Oskaloosa, Iowa
Meader Insurance Agency, Inc.,        Kansas City     December 20, 2001
  Waverly, Kansas
Union Planters Corporation,           St. Louis       January 10, 2002
  Memphis, Tennessee

Sections 3 and 4

Applicant(s)                          Reserve Bank    Effective Date

BB&T Corporation,                     Richmond        January 11, 2002
  Winston-Salem, North Carolina
BB&T Corporation,                     Richmond        January 11, 2002
  Winston-Salem, North Carolina