Applications approved under Bank Merger 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.

Applicant(s)                        Bank(s)

Bridge View Bank,                   Interchange Bank,
  Englewood Cliffs, New Jersey        Saddle Brook, New Jersey
First Bank,                         First Bank & Trust,
  Creve Coeur, Missouri               San Francisco, California
The First Bank and Trust Company,   First Commonwealth Bank,
  Lebanon, Virginia                   Wise, Virginia
State Bank of La Crosse,            First National Bank,
  La Crosse, Wisconsin                La Crescent, Minnesota

Applicant(s)                        Reserve Bank   Effective Date

Bridge View Bank,                   New York       March 19, 2003
  Englewood Cliffs, New Jersey
First Bank,                         St. Louis      March 14, 2003
  Creve Coeur, Missouri
The First Bank and Trust Company,   Richmond       March 20, 2003
  Lebanon, Virginia
State Bank of La Crosse,            Minneapolis    March 21, 2003
  La Crosse, Wisconsin