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)

Arvest Bank,                      Arvest Bank,
  Fayetteville, Arkansas            Fort Smith, Arkansas
                                  Arvest Bank,
                                    Joplin, Missouri
                                  Bank of Bentonville,
                                    Bentonville, Arkansas
                                  First Arvest Bank, Siloam Springs,
                                    Arkansas
                                  Arvest State Bank,
                                    Tulsa, Oklahoma
Bank of Mulberry,                 Bank of Mansfield,
  Mulberry, Arkansas                Mansfield, Arkansas
Potomac Valley Bank,              South Branch Valley National Bank,
  Petersburg, West Virginia         Moorefield, West Virginia
Texas State Bank,                 Riverway Bank,
  McAllen, Texas                    Houston, Texas
United States Trust Company of    U.S. Trust Company of New Jersey,
  New York,                         Princeton, New Jersey
  New York, New York

Applicant(s)                      Reserve Bank   Effective Date

Arvest Bank,                      St. Louis      January 3, 2002
  Fayetteville, Arkansas
Bank of Mulberry,                 St. Louis      January 28, 2002
  Mulberry, Arkansas
Potomac Valley Bank,              Richmond       December 12, 2001
  Petersburg, West Virginia
Texas State Bank,                 Dallas         January 4, 2002
  McAllen, Texas
United States Trust Company of    New York       January 28, 2002
  New York,
  New York, New York