FINAL ENFORCEMENT ORDERS ISSUED BY THE BOARD OF GOVERNORS.

Robert and Adele Barber
Cooper City, Florida

The Federal Reserve Board announced on November 16,
1999, the issuance of a consent Order against Robert and
Adele Barber, both institution- affiliated parties of the First
Western Bank, Cooper City, Florida, a state member bank.

Matthew J. Callahan
Cooper City, Florida

The Federal Reserve Board announced on November 16, '
1999, the issuance of a consent Order against Matthew J.
Callahan, an institution- affiliated party of the First Western
Bank, Cooper City, Florida, a state member bank.

Bertram Smith
Cooper City, Florida

The Federal Reserve Board announced on November 16,
1999, the issuance of a consent Order against Bertram
Smith, an institution-affiliated party of the First Western
Bank, Cooper City, Florida, a state member bank.

TERMINATION OF ENFORCEMENT ACTIONS

The Federal Reserve Board announced on November 16,
1999, the termination of the following enforcement actions:

Mercantile Capital Corp.
Boston, Massachusetts

Written agreement dated January 26, 1996; terminated
August 23, 1999.

Adairsville Bancshares, Inc., and Bank of
Adairsville
Adairsville, Georgia

Written agreement dated December 10, 1998; terminated
September 8, 1999.

PanAmerican Bank
Coconut Grove, Florida

Cease and Desist Order dated march 4, 1998; terminated
September 29, 1999.

California Center Bank
Los Angeles, California

Cease and Desist Order dated October 4, 1994; terminated
October 15, 1999.