Applications approved under Bank Merger Act. (Legal Developments).

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    Effective Date

The Bank,          Citizens Federal   Atlanta         January 31, 2002
  Birmingham,        Savings Bank,
  Alabama            Port St. Joe,
                     Florida
Bank of            Bank of            St. Louis       January 28, 2002
  Mulberry,          Mansfield,
  Mulberry,          Mansfield,
  Arkansas           Arkansas
Pacific State      California Bank    San Francisco   February 6, 2002
  Bank,              & Trust,
  Stockton,          San Diego,
  California         California
Regions Bank,      First Bank of      Atlanta         February 21, 2002
  Birmingham,        Texas,
  Alabama            Tomball, Texas
Regions Bank,      Park Meridian      Atlanta         February 21, 2002
  Birmingham,        Bank,
  Alabama            Charlotte,
                     North Carolina
SouthTrust Bank,   Landmark Bank,     Atlanta         February 14, 2002
  Birmingham,        Euless, Texas
  Alabama
The State Bank     The Oakwood        Cleveland       February 2, 2002
  & Trust            Deposit Bank
  Company,           Company,
  Defiance, Ohio     Oakwood, Ohio
Town & Country     Bank of Palmyra,   Chicago         February 25, 2002
  Bank of            Palmyra,
  Springfield,       Illinois
  Springfield,
  Illinois