Applications approved under bank merger act.

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)             Reserve Bank   Effective Date

Blue River Federal  Salin Bank and      Chicago        October 18,
  Savings Bank,       Trust Company,                   2002
  Edinburgh,          Indianapolis,
  Indiana             Indiana
CornerStone         First National      Minneapolis    September 30,
  State Bank,         Bank of the                      2002
  Le Sueur,           North,
  Minnesota           Sandstone,
                      Minnesota
First Bank of       INTRUST Bank, NA,   Kansas City    September 27,
  Medicine Lodge,     Wichita, Kansas                  2002
  Medicine Lodge,
  Kansas
The Fuji Bank and   Industrial Bank     New York       October 11,
  Trust Company,      of Japan Trust                   2002
  New York, New       Company, New
  York                York, New York
Heritage Bank of    Bank of Los Altos,  San Francisco  October 7,
  Commerce, San       Los Altos,                       2002
  Jose, California    California
Heritage Bank of    Heritage Bank East  San Francisco  October 3,
  Commerce, San       Bay, Fremont,                    2002
  Jose, California    California
Sand Ridge Bank,    The Bright          Cleveland      October 22,
  Highland,           National Bank,                   2002
  Indiana             Flora, Indiana
Sand Ridge Bank,    The National Bank   Cleveland      October 22,
  Highland,           of Hastings,                     2002
  Indiana             Hastings,
                      Michigan
Texas State Bank,   Texas Country       Dallas         October 10,
  McAllen, Texas      Bank, San Juan,                  2002
                      Texas