Applications approved under bank holding company act: by the Secretary of the Board. (Legal Developments).

APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY 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.

Section 3

Applicant(s)          Bank(s)                 Effective Date

Central Alabama       First Community Bank    August 2, 2001
  Bancshares, Inc.,     of Central Alabama,
  Wetumpka, Alabama     Wetumpka, Alabama

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.

Section 3

Applicant(s)        Bank(s)             Reserve Bank    Effective Date

Chester Valley      To engage in        Philadelphia    August 3, 2001
  Bancorp, Inc.,      activities that
  Downingtown,        are financial
  Pennsylvania        in nature or
                      incidental to a
                      financial
                      activity
Allegiant           Southside
  Bancorp, Inc.,      Bancshares
  St. Louis,          Corp.,
  Missouri            St. Louis,
                      Missouri
                    South Side
                      National Bank
                      in St. Louis,
                      St. Louis,
                      Missouri
                    Bank of Ste.
                      Genevieve,
                      Sainte
                      Genevieve,
                      Missouri
                    Bank of St.
                      Charles County,
                      St. Charles,
                      Missouri
                    State Bank of       St. Louis       August 15, 2001
                      Jefferson
                      County, DeSoto,
                      Missouri
American            American            Chicago         August 17, 2001
  Community           Community Bank
  Financial,          & Trust,
  Inc.,               Woodstock,
  Woodstock,          Illinois
  Illinois
BancStar, Inc.,     Pacific BancStar,   St. Louis       July 26, 2001
  St. Louis,          Inc.,
  Missouri            St. Louis,
                      Missouri
                    Bank Star,
                      Pacific,
                      Missouri St.
Centennial First    Palomar Community   San Francisco   July 31, 2001
  Financial           Bank,
  Services,           Escondido,
  Redlands,           California
  California
Central National    NBT, National       New York        August 9, 2001
  Bank,               Association,
  Canajoharie,        Norwich,
  New York            New York
Citizens State      Ideal Bancshares,   Minneapolis     August 7, 2001
  Bancorporation,     Inc.,
  Grafton,            West Fargo,
  North Dakota        North Dakota
                    Walhalla Bank
                      Holding
                      Company,
                      Walhalla,
                      North Dakota
Columbia Trust      Columbia Trust      San Francisco   August 14, 2001
  Bancorp,            Bank,
  Pasco,              Pasco,
  Washington          Washington
Douglas County      Neighborhood        Minneapolis     August 8, 2001
  Bancshares,         National Bank,
  Inc.,               Alexandria,
  Alexandria,         Minnesota
  Minnesota
First Banks,        Charter Pacific     St. Louis       August 16, 2001
  Inc.,               Bank,
  St. Louis,          Agoura Hills,
  Missouri            California
First Banks
  America, Inc.,
  St. Louis,
  Missouri
J.P. Morgan Chase   Chase Interim       New York        August 13, 2001
  & Co.,              National Bank,
  New York,           Pittsburgh,
  New York            Pennsylvania
Live Oak            Live Oak State      Dallas          August 2, 2001
  Financial           Bank,
  Corp.,              Dallas, Texas
  Dallas, Texas
Live Oak Delaware
  Financial
  Corp.,
  Wilmington,
  Delaware
Madison             Madison Bank,       Atlanta         August 8, 2001
  Bancshares,         Palm Harbor,
  Inc.,               Florida
  Palm Harbor,
  Florida
Maryland            Maryland Bank &     Richmond        August 2, 2001
  Bankcorp, Inc.,     Trust Company,
  Lexington Park,     N.A.,
  Maryland            Lexington Park,
                      Maryland
Millennium          Millennium Bank,    Kansas City     August 15, 2001
  Bancorp, Inc.,      Edwards,
  Edwards,            Colorado
  Colorado
NBOG Bancorpora-    National Bank of    Atlanta         August 14, 2001
  tion, Inc.,         Gainesville,
  Gainesville,        Gainesville,
  Georgia             Georgia
NBT Bancorp Inc.,   CNB Financial       New York        August 9, 2001
  Norwich,            Corp.,
  New York            Canajoharie,
                      New York
Newnan Coweta       Newnan Coweta       Atlanta         August 2, 2001
  Bancshares,         Bank,
  Inc.,               Newnan, Georgia
  Newnan, Georgia
Peoples Home        The Peoples Bank,   St. Louis       August 3, 2001
  Holding, Inc.,      Portland,
  Greenbrier,         Arkansas
  Arkansas
Quad City           Cedar Rapids Bank   Chicago         August 8, 2001
  Holdings, Inc.,     and Trust
  Moline,             Company,
  Illinois            Cedar Rapids,
                      Iowa
Regents             Regents Bank,       San Francisco   August 6, 2001
  Bancshares,         N.A.,
  Inc.,               La Jolla,
  Vancouver,          California
  Washington
Speer Bancshares,   State Bank of       Chicago         August 3, 2001
  Inc.,               Speer,
  Speer, Illinois     Speer, Illinois
Sweetwater          Georgian Bank,      Atlanta         August 13, 2001
  Financial           Powder Springs,
  Group, Inc.,        Georgia
  Powder Springs,
  Georgia
The 2000 Williams   FNB Newton          Atlanta         August 9, 2001
  Investment          Bankshares,
  Company, LLC,       Inc.,
  Atlanta,            Covington,
  Georgia             Georgia
                    First Nation
                      Bank,
                      Covington,
                      Georgia
Trafalgar           Regents             San Francisco   August 6, 2001
  Holdings, LLC,      Bancshares,
  Vancouver,          Inc.,
  Washington          Vancouver,
                      Washington
TransCommunity      Bank of Powhatan,   Richmond        August 3, 2001
  Bankshares          N.A.,
  Incorporated,       Powhatan,
  Powhatan,           Virginia
  Virginia
Trust B Created     FNB Newton          Atlanta         August 9, 2001
  Under Item V of     Bankshares,
  the Last Will       Inc.,
  and Testament       Covington,
  of John Rufus       Georgia
  Williams,         Fist Nation Bank,
  Atlanta,            Covington,
  Georgia             Georgia
West End            Gogebic Range       Minneapolis     August 3, 2001
  Financial           Bank, Bessemer,
  Corp.,              Michigan
  Bessemer,
  Michigan
YNB Financial       Yakima National     San Francisco   August 6, 2001
  Services Corp.,     Bank,
  Yakima,             Yakima,
  Washington          Washington

Section 4

                    Nonbanking
Applicant(s)        Activity/Company    Reserve Bank    Effective Date

Gideon Bancshares   To continue         St. Louis       August 10, 2001
  Company,            providing
  Dexter,             securities
  Missouri            brokerage
                      activities to
                      the customers
                      of Gideon's
                      subsidiary
                      banks
Jones Bancorp,      G.W. Jones          Chicago         August 15, 2001
  Inc.,               Mortgage
  Marcellus,          Company,
  Michigan            St. Joseph,
                      Michigan
Hasten              Harrington          Chicago         August 8, 2001
  Bancshares,         Financial
  Indianapolis,       Group, Inc.,
  Indiana             Overland Park,
                      Kansas
Danvers Bancorp,    Revere, MHC,        Boston          August 6, 2001
  Inc.,               Revere,
  Danvers,            Massachusetts
  Massachusetts     RFS Bancorp,
                      Inc.,
                      Revere,
                      Massachusetts
                    Revere Federal
                      Savings Bank,
                      Revere,
                      Massachusetts
RNB Corporation,    Independent         Chicago         August 13, 2001
  Brazil, Indiana     Bankers Life
                      Reinsurance
                      Company of
                      Indiana Ltd,
                      Brazil, Indiana

Sections 3 and 4

                    Nonbanking
Applicant(s)        Activity/Company    Reserve Bank    Effective Date

MB-MidCity, Inc.,   MB Financial,       Chicago         August 16, 2001
  Chicago,            Inc.,
  Illinois            Chicago,
                      Illinois
                    Manufacturers
                      National
                      Corporation,
                      Chicago,
                      Illinois
                    Manufacturers
                      Bank,
                      Chicago,
                      Illinois
                    MidCity Financial
                      Corporation,
                      Chicago,
                      Illinois
                    First National
                      Bank of
                      Elmhurst,
                      Elmhurst,
                      Illinois
                    Mid-City National
                      Bank of
                      Chicago,
                      Chicago,
                      Illinois
                    First National
                      Bank of Morton
                      Grove,
                      Morton Grove,
                      Illinois
                    Union Bank and
                      Trust Company,
                      Oklahoma City,
                      Oklahoma
                    Abrams Centre
                      Bancshares,
                      Inc.,
                      Dallas, Texas
                    Abrams Centre
                      National Bank,
                      Dallas, Texas
                    Summit MFR
                      Leasing LLC,
                      Cincinnati,
                      Ohio
                    Sentry Lease
                      Equity Pool
                      2000-1, LLC,
                      Salt Lake City,
                      Utah