Index of orders issued or actions taken by the Board of Governors of the Federal Reserve System: (July 1, 2002-September 30, 2002). (Legal Developments).

INDEX OF ORDERS ISSUED OR ACTIONS TAKEN BY THE
BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM
(July 1, 2002 - September 30, 2002)
                                                              Bulletin
                 Merged or Acquired                           Volume
Applicant        Bank of Activity        Date of Approval     and Page

Bank of Orange   Cerritos Valley Bank,   July 31, 2002        88, 417
  County,          Artesia, California
  Fountain
  Valley,
  California
Herky Hawk       New Vienna Savings      September 25, 2002   88, 463
  Financial        Bank, New Vienna,
  Corporation,     Iowa
  Monticello,    Casey State Bank,
  Iowa             Casey, Illinois
                 Biggsville Financial
                   Corporation,
                   Biggsville,
                   Illinois
                 First State Bank of
                   Biggsville,
                   Biggsville,
                   Illinois
Nordea Bank      American Scandinavia    July 25, 2002        88, 418
  Finland Plc,     Banking Corp., New
  Helsinki,        York, New York
  Finland

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

Adbanc, Inc.,     VBI, Inc.,         Kansas City     November 12, 2002
  Ogallala,         Colorado
  Nebraska          Springs,
Adams Bank &        Colorado
  Trust
  Company,
  Ogallala,
  Nebraska
BankFIRST         BankFIRST,         Atlanta         November 4, 2002
  Bancorp,          Winter Park,
  Inc., Winter      Florida
  Park, Florida
Backlund          Astoria            Chicago         November 25, 2002
  Investment        Investment
  Co., Peoria,      Company,
  Illinois          Astoria,
                    Illinois
                  Farmers State
                    Bank, Astoria,
                    Astoria,
                    Illinois
                  Bartonville
                    Investment
                    Co., Peoria,
                    Illinois
                  Bartonville
                    Bank,
                    Bartonville,
                    Illinois
                  Backlund-White,
                    Inc., Peoria,
                    Illinois
                  Glasford State
                    Bank,
                    Glasford,
                    Illinois
                  Backlund-Scott
                    Company,
                    Wyoming,
                    Illinois
                  Wyoming Bank &
                    Trust Company,
                    Wyoming,
                    Illinois
                  Dunlap Bank,
                    Dunlap,
                    Illinois
                  Hopedale
                    Investment
                    Company,
                    Peoria,
                    Illinois
                  Community Bank
                    of Hopedale,
                    Hopedale,
                    Illinois
BankWest Nevada   Alliance Bank of   San Francisco   November 26, 2002
  Corporation,      Arizona,
  Las Vegas,        Phoenix,
  Nevada            Arizona
BNC Bancorp,      Bank of North      Richmond        November 5, 2002
  Thomasville,      Carolina,
  North             Thomasville,
  Carolina          North Carolina
BTC Financial     Midamerica         Chicago         November 12, 2002
  Corporation,      Financial
  Des Moines,       Corporation,
  Iowa              Des Moines,
                    Iowa
                  Bankers Trust
                    Company, N.A.,
                    Cedar Rapids,
                    Iowa
Commerce          Bank of            Kansas City     November 20, 2002
  Bancorp,          Commerce,
  Inc., Duncan,     Duncan,
  Oklahoma          Oklahoma
Community         Community Banks    Kansas City     November 22, 2002
  Bankshares,       of Tracy,
  Inc.,             Tracy,
  Greenwood         California
  Village,
  Colorado
Davis Bancorpo-   Century Capital    Kansas City     November 1, 2002
  ration,           Financial,
  Davis,            Inc., Kilgore,
  Oklahoma          Texas
                  Century Capital
                    Financial-
                    Delaware,
                    Inc.,
                    Wilmington,
                    Delaware
                  City National
                    Bank, Kilgore,
                    Texas
Eagle Community   Eagle Community    Minneapolis     November 27, 2002
  Bancshares,       Bank, Maple
  Inc.,             Grove,
  Brooklyn          Minnesota
  Park,
  Minnesota
Farmers           First State        St. Louis       November 21, 2002
  Bancorp,          Bank, Kenton,
  Inc.,             Tennessee
  Blytheville,
  Arkansas
Franklin          Capital            San Francisco   December 3, 2002
  Resources,        Corporation,
  Inc., San         La Jolla,
  Mateo,            California
  California      Imperial Capital
                    Bank, La
                    Jolla,
                    California
Friedman          ITLA Capital       Richmond        December 3, 2002
  Billings          Corporation,
  Ramsey Group,     La Jolla,
  Inc.,             California
  Arlington,
  Virginia
FBR Ashton,
  Limited
  Partnership,
  Arlington,
  Virginia
FBR Opportunity
  Fund, Ltd.,
  Arlington,
  Virginia
FBR Small Cap
  Financial
  Fund,
  Arlington,
  Virginia
GB&T              Home Town Bank     Atlanta         November 6, 2002
  Bancshares,       of Villa Rica,
  Inc.,             Villa Rica,
  Gainesville,      Georgia
  Georgia
Gravette          Bank of            St. Louis       December 3, 2002
  Bancshares,       Gravette,
  Inc.,             Gravette,
  Gravette,         Arkansas
  Arkansas
Hazlehurst        Bank of            Atlanta         November 6, 2002
  Investors,        Hazlehurst,
  Inc.,             Hazlehurst,
  Hazlehurst,       Georgia
  Georgia
KeyCorp,          Union              Cleveland       November 25, 2002
  Cleveland,        Bancshares,
  Ohio              Ltd., Denver,
                    Colorado
Buffalo
  Acquiror Sub,
  Inc.,
  Cleveland,
  Ohio
Mahaska           Belle Plaine       Chicago         November 21, 2002
  Investment        Service
  Company ESOP,     Corporation,
  Oskaloosa,        Belle Plaine,
  Iowa              Iowa
                  Citizens Bank &
                    Trust Company,
                    Hudson, Iowa
Mahaska
  Investment
  Company,
  Oskaloosa,
  Iowa
Midamerica        Bankers Trust      Chicago         November 12, 2002
  Financial         Company, N.A.,
  Corporation,      Cedar Rapids,
  Des Moines,       Iowa
  Iowa
Northfield
  Holdings
  Corp, Staten
  Island, New
  York
Northfield                           New York        November 21, 2002
  Savings Bank,
  Staten
  Island, New
  York
NSB Holding       Northfield         New York        November 21, 2002
  Corp, Staten      Holdings Corp,
  Island, New       Staten Island,
  York              New York
River Balley      State Bank of      Chicago         November 20, 2002
  Bancorp,          Seaton,
  Inc.,             Seaton,
  Davenport,        Illinois
  Iowa
Southwest         Sanibel Captiva    Atlanta         November 26, 2002
  Florida           Community
  Community         Bank, Sanibel,
  Bancorp,          Florida
  Inc., Fort
  Myers,
  Florida
Sun Financial     Quad County        St. Louis       November 19, 2002
  Corporation,      State Bank,
  St. Peters,       Viburnum,
  Missouri          Missouri
Synergy, MHC,     First Bank of      New York        November 29, 2002
  Cranford, New     Central
  Jersey            Jersey, North
                    Brunswick, New
                    Jersey
Synergy           Synergy Bank,
  Financial         Cranford, New
  Group, Inc.,      Jersey
  Cranford, New
  Jersey
Synovus           United Financial   Atlanta         November 6, 2002
  Financial         Holdings,
  Corp.,            Inc., St.
  Columbus,         Petersburg,
  Georgia           Florida
                  United Bank and
                    Trust Company,
                    St.
                    Petersburg,
                    Florida
                  United Bank of
                    the Gulf
                    Coast,
                    Sarasota,
                    Florida
TCF Financial     MainStreet         Minneapolis     November 21, 2002
  Corporation,      BankShares,
  Wayzata,          Inc.,
  Minnesota         Martinsville,
                    Virginia
                  Smith River
                    Community
                    Bank, N.A.,
                    Martinsville,
                    Virginia
                  Franklin
                    Community
                    Bank, N.A.,
                    Rocky Mount,
                    Virginia

Section 4

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

Davis                FBC Financial         Kansas City   November 1,
  Bancorporation,      Corporation,                        2002
  Davis, Oklahoma      Claremore,
                       Oklahoma
                     1st Bank  Oklahoma,
                       Claremore,
                       Oklahoma
Midwest Banc         Big Foot Financial    Chicago       November 21,
  Holdings, Inc.,      Corp., Long                         2002
  Elmwood Park,        Grove, Illinois
  Illinois           Fairfield Savings
                       Bank, Long Grove,
                       Illinois
NSB Holding Corp,    Liberty Bank,         New York      November 21,
  Staten Island,       Avenel, New                         2002
  New York             Jersey
Northfield
  Holdings Corp,
  Staten Island,
  New York

Sections 3 and 4

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

ITLA Capital         Imperial Capital      San           December 3,
  Corporation,         Bank, La Jolla,       Francisco     2002
  La Jolla,            California
  California