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

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.

                                         Reserve
Applicant(s)        Bank(s)              Bank          Effective Data

Arvest Bank,        Arvest Bank,         St. Louis     May 13, 2002
  Fayetteville,       Rogers, Arkansas
  Arkansas
First American      To merge into one    Chicago       May 23, 2002
  Bank, Fort          state-charter
  Dodge, Iowa         member bank
First American
  Bank, Sioux
  City, Iowa
Union State Bank,   The State Bank,      Kansas City   May 30, 2002
  Arkansas City,      Winfield,
  Kansas              Kansas
Virginia            Caroline Savings     Richmond      May 9, 2002
  Heartland Bank,     Bank,
  Fredericksburg,     Bowling Green,
  Virginia            Virginia