Applications approved under Bank Merger Act: by Federal Reserve Bank.

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)

Arvest Bank,                  The Bank of Yellville,
  Fayetteville, Arkansas        Yellville, Arkansas
Chippewa Valley Bank,         The Savings Bank & Trust Company,
  Wadsworth, Ohio               Orrville, Ohio
First State Bank Southwest,   Bremer Bank N.A.,
  Pipestone, Minnesota          Marshall, Minnesota
Security Bank Minnesota,      First State Bank of Emmons,
  Albert Lea, Minnesota         Emmons, Minnesota

Applicant(s)                  Reserve Bank   Effective Date

Arvest Bank,                  St. Louis      April 8, 2003
  Fayetteville, Arkansas
Chippewa Valley Bank,         Cleveland      April 24, 2003
  Wadsworth, Ohio
First State Bank Southwest,   Minneapolis    April 24, 2003
  Pipestone, Minnesota
Security Bank Minnesota,      Minneapolis    April 23, 2003
  Albert Lea, Minnesota