Applications approved under Bank Merger Act: by Federal Reserve Banks. (Legal Developments).

Recent applications have been approved by file Federal Reserve
Banks as listed below. Copies are available upon request to
the Reserve Banks.

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

The Citizens Banking   The Castalia       Cleveland     December 2,
  Company, Sandusky,     Banking                          2002
  Ohio                   Company,
                         Castalia, Ohio
Farmers Bank & Trust   First State        St. Louis     November 21,
  Company,               Bank, Kenton,                    2002
  Blytheville,           Tennessee
  Arkansas
Heritage Bank of       Heritage Bank      San           November 1,
  Commerce, San          South Valley,      Francisco     2002
  Jose, California       Morgan Hill,
                         California
Midwest Bank and       Fairfield          Chicago       November 21,
  Trust Company,         Savings Bank,                    2002
  Elmwood Park,          Long Grove,
  Illinois               Illinois