Applications approved under Bank Holding Company Act.

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)           Reserve Bank     Effective Date

1867 Western      Central Valley    San Francisco    October 14, 2003
  Financial         Bancorp,
  Corporation,      Modesto,
  Stockton,         California
  California      Modesto Com-
                    merce Bank,
                    Modesto,
                    California
Bancsouth         The Bank of       Atlanta          October 10, 2003
  Financial         the South,
  Corporation,      Crystal
  Crystal           Springs,
  Springs,          Mississippi
  Mississippi
Clinton           Clinton           Boston           October 10, 2003
  Financial         Savings
  Services,         Bank,
  MHC,              Clinton,
  Clinton,          Massachu-
  Massachu-         setts
  setts
Wachusett
  Financial
  Services,
  Inc.,
  Clinton,
  Massachuset
Community         Community Bank    Atlanta          October 23, 2003
  Banks of          of Pickens
  Georgia,          County,
  Inc.,             Jasper,
  Jasper,           Georgia
  Georgia
Covenant          Covenant Bank,    St. Louis        October 23, 2003
  Financial         Clarksdale,
  Corporation,      Mississippi
  Clarksdale,
  Mississippi
Sky Financial     GLB Bancorp,      Cleveland        October 3, 2003
  Group, Inc.,      Inc.,
  Bowling           Mentor,
  Green, Ohio       Ohio
                  Great Lakes
                    Bank,
                    Mentor, Ohio
Tomah             Wabeno            Minneapolis      October 3, 2003
  Bancshares,       Bancorpora-
  Inc.,             tion, Inc.,
  Tomah,            Venice,
  Wisconsin         Florida
                  Timberwood
                    Bank,
                    Wabeno,
                    Wisconsin
Trustcompany      The Trust         New York         October 1, 2003
  Bancorp,          Company of
  Jersey City,      New Jersey,
  New Jersey        Jersey City,
                    New Jersey

Section 4

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

Cedar             To engage, de     Chicago          October 23, 2003
  Investment        novo, in the
  Company,          permissible
  Waverly,          nonbanking
  Iowa              activity of
                    extending
                    credit and
                    servicing
                    loans
Munchener         Hypo Real         New York         September 29, 2003
  Ruckversi         Estate
  cherungs-         Holding AG,
  Gesellschaft      Munich,
  Aktienge-         Germany
  sellschaft,     HVB Real
  Munchen,          Estate
  Germany           Capital
                    Corporation,
                    New York,
                    New York