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

APPLICATIONS APPROVED UNDER BANK MERGER ACT
By the Secretary of the Board

Recent applications have been approved by the Secretary of the Board
as listed below. Copies are available upon request to the Freedom of
Information Office, Office of the Secretary, Board of Governors of
the Federal Reserve System, Washington, D.C. 20551.

Applicant(s)          Bank(s)               Effective Date

HSBC Bank USA,        CIBC National Bank,   October 31, 2001
  Buffalo, New York     Maitland, Florida

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)

1st Source Bank,                     Standard Federal Bank,
  South Bend, Indiana                  Troy, Michigan
Colonial Bank,                       Manufacturers Bank of Florida,
  Montgomery, Alabama                  Tampa, Florida
First Interstate Bank,               First Interstate Bank,
  Billings, Montana                    Sheridan, Wyoming
First Virginia Bank-Hampton Roads,   James River Bank,
  Norfolk, Virginia                    Waverly, Virginia
                                     James River Bank/Colonial,
                                       Suffolk, Virginia
Northern Neck State Bank,            Citizens and Farmers Bank,
  Warsaw, Virginia                     West Point, Virginia
Regions Bank,                        Jefferson Heritage Bank,
  Birmingham, Alabama                  Denton, Texas

Applicant(s)                         Reserve Bank   Effective Date

1st Source Bank,                     Chicago        September 27, 2001
  South Bend, Indiana
Colonial Bank,                       Atlanta        October 5, 2001
  Montgomery, Alabama
First Interstate Bank,               Minneapolis    October 2, 2001
  Billings, Montana
First Virginia Bank-Hampton Roads,   Richmond       October 9, 2001
  Norfolk, Virginia

Northern Neck State Bank,            Richmond       October 18, 2001
  Warsaw, Virginia
Regions Bank,                        Atlanta        October 3, 2001
  Birmingham, Alabama