Applications approved under bank holding company act.

APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY 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.

Section 3

Applicant(s)                        Bank(s)

Alliance Bancorp,                   Alliance Bank,
  Culver City, California             Culver City, California
AmeriBank Holding Company,          American Bank of Oklahoma,
  Collinsville, Oklahoma              Collinsville, Oklahoma
American Bancorporation of          American National Bank of
  Minnesota, Inc.,                    Minnesota,
  Brainerd, Minnesota                 Brainerd, Minnesota
Anchor BanCorp Wisconsin Inc.,      Ledger Capital Corp.,
  Madison, Wisconsin                  Glendale, Wisconsin
AnchorBank,                         Ledger Bank, S.S.B.,
  Madison, Wisconsin                  Glendale, Wisconsin
Boston Private Financial            Borel Bank & Trust Company,
  Holdings, Inc.,                     San Mateo, California
  Boston, Massachusetts
BOTH, Inc.,                         Bank of the Hills, N.A.,
  Kerrville, Texas                    Kerrville, Texas
BOTH of Delaware, Inc.,
  Wilmington, Delaware
BW Holdings, Inc.,                  BankWest,
  Castle Rock, Colorado               Castle Rock, Colorado
Cisco Bancshares, Inc.,             First National Bank,
  Cisco, Texas                        Cisco, Texas
Cisco Bancshares of Nevada, Inc.,
  Carson City, Nevada
County Bancshares, Inc.,            Newton Bancshares, Inc.,
  Orange, Texas                       Newton, Texas
                                    Newton Delaware Financial
                                      Corporation,
                                      Dover, Delaware
                                    First National Bank of Newton,
                                      Newton, Texas
Dacotah Banks, Inc.,                F & M Bank Holding Company of
  Aberdeen, South Dakota              Valley City, Inc.,
                                      Valley City, North Dakota
                                    Farmers & Merchants Bank of
                                      Valley City,
                                      Valley City, North Dakota
First Banks, Inc.,                  Allegiant Bancorp, Inc.,
  St. Louis, Missouri                 St. Louis, Missouri
                                    Allegiant Bank,
                                      St. Louis, Missouri
                                    South Side National Bank in
                                      St. Louis,
                                      St. Louis, Missouri
                                    Bank of Ste. Genevieve,
                                      Ste. Genevieve, Missouri
                                    Bank of St. Charles County,
                                      St. Charles, Missouri
                                    State Bank of Jefferson County,
                                      DeSoto, Missouri
First Independent Capital of        First Independent Bank of Nevada,
  Nevada,                             Reno, Nevada
  Reno, Nevada
First Pulaski National              Belfast Holding Company,
  Corporation,                        Belfast, Tennessee
  Pulaski, Tennessee                Bank of Belfast,
                                      Belfast, Tennessee
First Western Bank Shares, Inc.,    Marquette Bank Nebraska, N.A.,
  Huron, South Dakota                 O'Neill, Nebraska
FNB Bancorp,                        First National Bank of Northern
  South San Francisco, California     California,
                                      South San Francisco, California
FNB Corporation,                    FNB Southwest, National
  Christiansburg, Virginia            Association,
                                      Roanoke, Virginia
F.N.B. Corporation,                 Promistar Financial Corporation,
  Naples, Florida                     Johnstown, Pennsylvania
Grant County State Bancshares,      Grant County State Bancshares,
  Inc.                                Swayzee, Indiana
  Employee Stock Ownership
  Plan,
  Swayzee, Indiana
High Street Corporation,            High Street Banking Company,
  Asheville, North Carolina           Asheville, North Carolina
Howard County Land & Cattle         Citizens National Bank,
  Company,                            Loup City, Nebraska
  Saint Paul, Nebraska
Kerndt Bank Services, Inc.,         Westmont Corporation,
  Lansing, Iowa                       West Union, Iowa
                                    Farmers Savings Bank,
                                      West Union, Iowa
Mauch Chunk Trust Financial         Mauch Chunk Trust Company,
  Corporation,                        Jim Thorpe, Pennsylvania
  Jim Thorpe, Pennsylvania
Medley Group, Inc.,                 Bonifay Holding Company, Inc.,
  Dothan, Alabama                     Bonifay, Florida
                                    The Bank of Bonifay,
                                      Bonifay, Florida
Olney Bancshares of Texas, Inc.,    Olney Bancorp of Delaware, Inc.,
  Olney, Texas                        Wilmington, Delaware
                                    Friona State Bank,
                                      Friona, Texas
Oswego Community Bank               Oswego Bancshares, Inc.,
  Employee Stock Ownership Plan,      Oswego, Illinois
  Oswego, Illinois                  Oswego Community Bank,
                                      Oswego, Illinois
Piper Holdings, Inc.,               The Fountain Trust Company,
  Covington, Indiana                  Covington, Indiana
Regions Financial Corporation,      Park Meridian Financial
  Birmingham, Alabama                 Corporation,
                                      Charlotte, North Carolina
Rivoli Bancorp, Inc.,               Rivoli Bank and Trust,
  Macon, Georgia                      Macon, Georgia
Southern Connecticut Bancorp,       Bank of Southern Connecticut,
  Inc.,                               New Haven, Connecticut
  New Haven, Connecticut
Synovus Financial Corp.,            FABP Bancshares, Inc.,
  Columbus, Georgia                   Pensacola, Florida
Team Financial, Inc.,               Post Bancorp, Inc.,
  Paola, Kansas                       Colorado Springs, Colorado
Team Financial Employees Stock      Colorado Springs National Bank,
  Ownership Plan,                     Colorado Springs, Colorado
  Paola, Kansas
WB Bancshares, Inc.,                Woodhouse and Bartley Bank,
  Bloomington, Wisconsin              Bloomington, Wisconsin
Whitney Holding Corporation,        Redstone Financial, Inc.,
  New Orleans, Louisiana              Houston, Texas
                                    Northwest Bank, N.A.,
                                      Houston, Texas

Section 4

Applicant(s)                        Nonbanking Activity/Company

CNB Financial Corporation,          County Reinsurance Company,
  Clearfield, Pennsylvania            Phoenix, Arizona
Commercial Bancgroup, Inc.,         Cumberland Mountain Bancshares,
  Harrogate, Tennessee                Inc.,
                                      Middlesboro, Kentucky
                                    Middlesboro Federal Bank, F.S.B.,
                                      Middlesboro, Kentucky
Harleysville National               HNC Reinsurance Company,
  Corporation,                        Phoenix, Arizona
  Harleysville, Pennsylvania
Oswego Bancshares, Inc.,            Oswego Community Bank Employee
  Oswego, Illinois                    Stock Ownership Plan,
                                      Oswego, Illinois
Popular, Inc.,                      Money Line Mortgage, Inc.,
  San Juan, Puerto Rico               Englewood, Colorado
Popular International Bank, Inc.,
  San Juan, Puerto Rico
Popular North America, Inc.,
  Marlton, New Jersey
Equity One, Inc.,
  Marlton, New Jersey

Sections 3 and 4

Applicant(s)                        Nonbanking Activity/Company

Banknorth Group, Inc.,              Andover Bancorp, Inc.,
  Portland, Maine                     Andover, Massachusetts
                                    Gloucester Investment Corp.,
                                      Gloucester, Massachusetts
The State Bank-Winfield Employee    State Financial Investments, Inc.,
  Stock and Ownership Plan &          Winfield, Kansas
  Trust,
  Winfield, Kansas
Western Bancorporation, Inc.,       Cass Lake Company,
  Duluth, Minnesota                   Cass Lake, Minnesota
                                    First National Bank of Cass Lake,
                                      Cass Lake, Minnesota

Section 3

Applicant(s)                        Reserve Bank    Effective Date

Alliance Bancorp,                   San Francisco   September 18, 2001
  Culver City, California
AmeriBank Holding Company,          Kansas City     September 13, 2001
  Collinsville, Oklahoma
American Bancorporation of          Minneapolis     September 25, 2001
  Minnesota, Inc.,
  Brainerd, Minnesota
Anchor BanCorp Wisconsin Inc.,      Chicago         August 30, 2001
  Madison, Wisconsin
AnchorBank,
  Madison, Wisconsin
Boston Private Financial            Boston          September 21, 2001
  Holdings, Inc.,
  Boston, Massachusetts
BOTH, Inc.,                         Dallas          September 27, 2001
  Kerrville, Texas
BOTH of Delaware, Inc.,
  Wilmington, Delaware
BW Holdings, Inc.,                  Kansas City     September 6, 2001
  Castle Rock, Colorado
Cisco Bancshares, Inc.,             Dallas          September 12, 2001
  Cisco, Texas
Cisco Bancshares of Nevada, Inc.,
  Carson City, Nevada
County Bancshares, Inc.,            Dallas          September 12, 2001
  Orange, Texas
Dacotah Banks, Inc.,                Minneapolis     August 29, 2001
  Aberdeen, South Dakota
First Banks, Inc.,                  St. Louis       September 6, 2001
  St. Louis, Missouri
First Independent Capital of        San Francisco   September 6, 2001
  Nevada,
  Reno, Nevada
First Pulaski National              Atlanta         September 4, 2001
  Corporation,
  Pulaski, Tennessee
First Western Bank Shares, Inc.,    Kansas City     August 30, 2001
  Huron, South Dakota
FNB Bancorp,                        San Francisco   September 21, 2001
  South San Francisco, California
FNB Corporation,                    Richmond        September 21, 2001
  Christiansburg, Virginia
F.N.B. Corporation,                 Atlanta         September 14, 2001
  Naples, Florida
Grant County State Bancshares,      Chicago         August 31, 2001
  Inc,
  Employee Stock Ownership
  Plan,
  Swayzee, Indiana
High Street Corporation,            Richmond        September 27, 2001
  Asheville, North Carolina
Howard County Land & Cattle         Kansas City     September 21, 2001
  Company,
  Saint Paul, Nebraska
Kerndt Bank Services, Inc.,         Chicago         September 5, 2001
  Lansing, Iowa
Mauch Chunk Trust Financial         Philadelphia    September 18, 2001
  Corporation,
  Jim Thorpe, Pennsylvania
Medley Group, Inc.,                 Atlanta         September 26, 2001
  Dothan, Alabama
Olney Bancshares of Texas, Inc.,    Dallas          August 14, 2001
  Olney, Texas
Oswego Community Bank               Chicago         September 10, 2001
  Employee Stock Ownership Plan,
  Oswego, Illinois
Piper Holdings, Inc.,               Chicago         September 6, 2001
  Covington, Indiana
Regions Financial Corporation,      Atlanta         August 23, 2001
  Birmingham, Alabama
Rivoli Bancorp, Inc.,               Atlanta         September 11, 2001
  Macon, Georgia
Southern Connecticut Bancorp,       Boston          September 14, 2001
  Inc.,
  New Haven, Connecticut
Synovus Financial Corp.,            Atlanta         August 31, 2001
  Columbus, Georgia
Team Financial, Inc.,               Kansas City     August 28, 2001
  Paola, Kansas
Team Financial Employees Stock
  Ownership Plan,
  Paola, Kansas
WB Bancshares, Inc.,                Chicago         September 13, 2001
  Bloomington, Wisconsin
Whitney Holding Corporation,        Atlanta         September 21, 2001
  New Orleans, Louisiana

Section 4

Applicant(s)                        Reserve Bank    Effective Date

CNB Financial Corporation,          Philadelphia    September 26, 2001
  Clearfield, Pennsylvania
Commercial Bancgroup, Inc.,         Atlanta         August 27, 2001
  Harrogate, Tennessee
Harleysville National               Philadelphia    August 24, 2001
  Corporation,
  Harleysville, Pennsylvania
Oswego Bancshares, Inc.,            Chicago         September 6, 2001
  Oswego, Illinois
Popular, Inc.,                      New York        September 7, 2001
  San Juan, Puerto Rico
Popular International Bank, Inc.,
  San Juan, Puerto Rico
Popular North America, Inc.,
  Marlton, New Jersey
Equity One, Inc.,
  Marlton, New Jersey

Sections 3 and 4

Applicant(s)                        Reserve Bank    Effective Date

Banknorth Group, Inc.,              Boston          September 13, 2001
  Portland, Maine
The State Bank-Winfield Employee    Kansas City     September 11, 2001
  Stock and Ownership Plan &
  Trust,
  Winfield, Kansas
Western Bancorporation, Inc.,       Minneapolis     August 24, 2001
  Duluth, Minnesota