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)                      Reserve Bank

Atlantic Central Bankers     ACB Bank, NJ,                Philadelphia
  Bank, Camp Hill,             Carlstadt, New Jersey
  Pennsylvania
Gateway Bank & Trust Co.,    National Bank of             Richmond
  Elizabeth City, North        Commerce, Memphis,
  Carolina                     Tennessee

Applicant(s)                 Effective Date

Atlantic Central Bankers     July 11, 2003
  Bank, Camp Hill,
  Pennsylvania
Gateway Bank & Trust Co.,    July 17, 2003
  Elizabeth City, North
  Carolina