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)             Reserve Bank   Effective Date

Allegheny           Pendleton County    Richmond       October 10,
  Bancshares,         Bank,                            2002
  Inc., Franklin,     Franklin,
  West Virginia       West Virginia
Banknorth Group,    Warren Bancorp,     Boston         September 19,
  Inc., Portland,     Inc.,                            2002
  Maine             Warren Five Cents
                      Savings Bank,
                      Peabody,
                      Massachusetts
Beltline            Security Bank,      Dallas         October 22,
  Bancshares,         National                         2002
  Inc., Garland,      Association,
  Texas               Garland, Texas
Security Bank
  Holding Company,
  Wilmington,
  Delaware
Capital Bank        High Street         Richmond       September 27,
  Corporation,        Corporation,                     2002
  Raleigh, North      Asheville,
  Carolina            North Carolina
Commerce            The Bank of         Atlanta        October 21,
  Bancshares,         Commerce,                        2002
  Inc., White         White Castle,
  Castle,             Louisiana
  Louisiana
Commerce Holding    Commerce National   St. Louis      October 25,
  Corporation,        Bank, Corinth,                   2002
  Corinth,            Mississippi
  Mississippi
Cypress             Cypress Bank,       Atlanta        October 3,
  Bankshares,         Palm Coast,                      2002
  Inc., Palm          Florida
  Coast, Florida
Fidelity Company,   Worthington         Chicago        October 22,
  Dyersville, Iowa    Bancorporation,                  2002
                      Worthington,
                      Iowa
                    State Bank,
                      Worthington,
                      Iowa
Financial           Security Acadia     Atlanta        October 11,
  Corporation of      Bancshares,                      2002
  Louisiana,          Inc., Rayne,
  Crowley,            Louisiana
  Louisiana         Rayne State Bank
                      and Trust
                      Company, Rayne,
                      Louisiana
Franklin Bancorp,   Franklin Bank,      Chicago        October 8,
  Inc.,               National                         2002
  Southfield,         Association,
  Michigan            Southfield,
                      Michigan
Greater Sacramento  Bank of             San Francisco  October 10,
  Bancorp,            Sacramento,                      2002
  Sacramento,         Sacramento,
  California          California
IB Bancshares,      Independent Bank,   Dallas         October 29,
  Inc., McKinney,     McKinney, Texas                  2002
  Texas
VB Bancshares,
  Inc.,
  Wilmington,
  Delaware
JCO Ventures, LLC,                      Richmond       October 22,
  Union, South                                         2002
  Carolina
JCO Partners,
  L.P., Union,
  South Carolina
JCO Partners II,
  L.P., Union,
  South Carolina
HAO Partners,
  L.P., Union,
  South Carolina
HAO Panners II,
  L.P., Union,
  South Carolina
HAO Management
  Company, LLC,
  Union, South
  Carolina
FOJ Partners,
  L.P., Union,
  South Carolina
FOJ Partners, II,
  L.P., Union,
  South Carolina
FOJ Management
  Company, LLC,
  Union, South
  Carolina
Frances W. Arthur
  Irrevocable
  Trust No. 2 for
  the Benefit of
  Oxner Jorgenson,
  Union, South
  Carolina
Arthur State
  Bancshares,
  Inc., Union,
  South Carolina
Chesnee State
  Bancshares,
  Inc., Chesnee,
  South Carolina
Woodruff State
  Bancshares,
  Inc., Woodruff,
  South Carolina
Kilmichael          Bank of             St. Louis      October 8,
  Bancorp., Inc.,     Kilmichael,                      2002
  Kilmichael,         Kilmichael,
  Mississippi         Mississippi
Linn Holding        South Gasconade     St. Louis      September 27,
  Company, Linn,      Investment                       2002
  Missouri            Corporation,
                      Owensville,
                      Missouri
                    Chester 1 Bank,
                      Owensville,
                      Missouri
Local Financial     Citizens Financial  Kansas City    October 25,
  Corporation,        Corp., Midwest                   2002
  Oklahoma City,      City, Oklahoma
  Oklahoma
Local Oklahoma      U.S. National
  Bank, N.A.,         Bank, Midwest
  Oklahoma City,      City, Oklahoma
  Oklahoma
Marquette           CBA Bancshares,     Minneapolis    September 26,
  Financial           Inc.,                            2002
  Companies,          Minneapolis,
  Minneapolis,        Minnesota
  Minnesota         Community Bank of
                      Arizona, N.A.,
                      Wickenburg,
                      Arizona
Merchants and       Fortress            Chicago        October 7,
  Manufacturers       Bancshares,                      2002
  Bancorporation      Inc., Westby,
  Inc., New           Wisconsin
  Berlin,           Fortress Holdings,
  Wisconsin           Inc.,
Merchants Merger      Westby,
  Corp., New          Wisconsin
  Berlin,           Fortress Bank of
  Wisconsin           Westby, Westby,
                      Wisconsin
                    Fortress Bank of
                      Cresco, Cresco,
                      Iowa
                    Fortress, Bank,
                      NA, Houston,
                      Minnesota
Putnam-Greene       The Citizens Bank   Atlanta        October 28,
  Financial           of Cochran,                      2002
  Corporation,        Cochran, Georgia
  Eatonton, Georgia
Resource            Resource Bank,      Atlanta        September 30,
  Bankshares,         Mandeville,                      2002
  Inc.,               Louisiana
  Mandeville,
  Louisiana
SCB Bancorp, Inc.,  Summit Community    Chicago        October 18,
  East Lansing,       Bank, East                       2002
  Michigan            Lansing,
                      Michigan
Summit Bancshares,  Summit Bank,        Kansas City    October 11,
  Inc., Prescott,     Prescott,                        2002
  Arizona             Arizona
Texas Regional      San Juan            Dallas         October 10,
  Bancshares,         Bancshares,                      2002
  Inc., McAllen,      Inc., San Juan,
  Texas               Texas
Texas Regional      San Juan Delaware
  Delaware, Inc.,     Financial
  Wilmington,         Corporation,
  Delaware            Dover, Delaware
                    Texas Country
                      Bank, San Juan,
                      Texas
Valley Commerce     Bank of Visalia,    San Francisco  September 30,
  Bancorp,            Visalia,                         2002
  Visalia,            California
  California

Section 4

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

CIB Marine          ComCor Mortgage     Chicago        October 30,
  Bancshares,         Corporation,                     2002
  Inc., Pewaukee,     Waukesha,
  Wisconsin           Wisconsin
                    Mortgage Services,
                      Inc.,
                      Bloomington,
                      Illinois
Crystal Valley      Pedcor              Chicago        October 30,
  Financial           Investments-                     2002
  Corporation,        2001-L1 L.P.,
  Middlebury,         Middlebury,
  Indiana             Indiana
First Banks, Inc.,  Allegiant Bancorp,  St. Louis      October 22,
  St. Louis,          Inc., St. Louis,                 2002
  Missouri            Missouri
Four Oaks Fincorp,  Four Oaks Mortgage  Richmond       October 30,
  Inc., Four Oaks,    Services,                        2002
  North Carolina      L.L.C., Four
                      Oaks, North
                      Carolina
Gold Banc           George K. Baum      Kansas City    October 22,
  Corporation,        Trust Company,                   2002
  Inc., Leawood,      Kansas City,
  Kansas              Missouri
Salin Bancshares,   Blue River Federal  Chicago        October 18,
  Inc.,               Savings Bank,                    2002
  Indianapolis,       Edinburgh,
  Indiana             Indiana

Sections 3 and 4

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

Sumitomo Mitsui     Sumitomo Mitsui     San Francisco  October 9,
  Financial Group,    Banking                          2002
  Inc.,               Corporation,
  Tokyo, Japan        Tokyo, Japan
                    Manufacturers
                      Bank, Los
                      Angeles,
                      California