APPLICATIONS APPROVED UNDER BANK HOLDING COMPANY ACT: By Federal Reserve Banks

Federal Reserve Bulletin, Dec, 2000

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

                                       Reserve
Applicant(s)       Bank(s)             Bank          Effective Date

Alpena Banking     The Bank of         Chicago       October 5, 2000
  Corporation,       Alpena,
  Alpena,            Alpena,
  Michigan           Michigan
ANB Holdings,      American National   Atlanta       October 23, 2000
  Inc., Oakland      Bank, Oakland
  Park, Florida      Park, Florida
Atlantic           Atlantic National   Atlanta       October 12, 2000
  National           Bank,
  Corporation,       Brunswick,
  Brunswick,         Georgia
  Georgia
Avant Financial,   Reliance Bank,      New York      October 25, 2000
  LLC, Syracuse,     White Plains,
  New York           New York
The Avoca          First State Bank    Kansas City   October 11, 2000
  Company,           of Nebraska,
  Omaha,             Nebraska City,
  Nebraska           Nebraska
Farmers State
  Bank of
  Nebraska,
  Bennet,
  Nebraska
Basile             Basile State        Atlanta       October 6, 2000
  Bancshares,        Bank, Basile,
  Inc., Basile,      Louisiana
  Louisiana
BB&T               FCNB Corp,          Richmond      October 19, 2000
  Corporation,       Frederick,
  Winston-Salem,     Maryland
  North Carolina
Big Mac            Peoples State       Kansas City   October 13, 2000
  Bancshares,        Bank, McDonald,
  Inc., Hoxie,       Kansas
  Kansas
BOK Financial      CNBT Bancshares,    Kansas City   October 26, 2000
  Corporation,       Inc., Bellaire,
  Tulsa,             Texas
  Oklahoma
BOU Bancorp,       Bank of Utah,       San           September 21, 2000
  Ogden, Utah        Ogden, Utah         Francisco
Capitol Bancorp    Yuma Community      Chicago       October 18, 2000
  Ltd., Lansing,     Bank, Yuma,
  Michigan           Arizona
Sun Community
  Bancorp
  Limited,
  Phoenix,
  Arizona
Central Banc,      Marquette Bank      Chicago       October 26, 2000
  Inc., Geneseo,     Fulton, Fulton,
  Illinois           Illinois
Central            Bank of Nevada,     Kansas City   September 25, 2000
  Financial          Las Vegas,
  Corporation,       Nevada
  Hutchinson,
  Kansas
Central            New Frontier        Kansas City   September 28, 2000
  Financial          Bancshares,
  Corporation,       Inc., St.
  Hutchinson,        Charles,
  Kansas             Missouri
CommunityOne       Community Bank      Minneapolis   September 25, 2000
  BancShares,        Plymouth,
  Inc.,              Plymouth,
  Plymouth,          Minnesota
  Minnesota
Coronado           Lyons State Bank,   Kansas City   October 25, 2000
  Financial          Lyons, Kansas
  Corporation,
  Lyons, Kansas
Cumberland         Insurors Bank of    Atlanta       October 16, 2000
  Bancorp, Inc.,     Tennessee,
  Nashville,         Nashville,
  Tennessee          Tennessee
Custer Bancorp,    Orchard Valley      Kansas City   October 6, 2000
  Westcliffe,        Financial
  Colorado           Corp.,
                     Englewood,
                     Colorado
Dinsdale           Pinnacle Bank-      Kansas City   October 5, 2000
  Brothers,          Wyoming,
  Inc., Palmer,      Torrington,
  Nebraska           Wyoming
Elmer Bancorp,     The First           Philadel-     October 19, 2000
  Inc., Elmer,       National Bank       phia
  New Jersey         of Elmer,
                     Elmer, New
                     Jersey
F.F. Holding       Rush-Oak            Chicago       September 26, 2000
  Corporation,       Corporation,
  West Chicago,      Chicago,
  Illinois           Illinois
                   Oak Bank,
                     Chicago,
                     Illinois
First Banks,       Commercial Bank     St. Louis     October 10, 2000
  Inc.,              of San
  St. Louis,         Francisco,
  Missouri           San Francisco,
                     California
First Banks
  America, Inc.,
  St. Louis,
  Missouri
First Liberty      First Liberty       Kansas City   September 26, 2000
  Capital            Capital
  Corporation        Corporation,
  Employee Stock     Hugo, Colorado
  Ownership        The First
  Plan, Hugo,        National Bank
  Colorado           of Hugo,
                     Hugo, Colorado
InsCorp, Inc.,     Insurors Bank of    Atlanta       October 16, 2000
  Nashville,         Tennessee,
  Tennessee          Nashville,
                     Tennessee
Marquette County   Tanis, Inc.,        Minneapolis   October 2, 2000
  Financial          Calumet,
  Corporation,       Michigan
  Negaunee,
  Michigan
Mercantile         New Frontier        St. Louis     September 27, 2000
  Bancorp, Inc.,     Bancshares,
  Quincy,            Inc., St.
  Illinois           Charles,
                     Missouri
New Frontier       New Frontier        St. Louis     September 27, 2000
  Bancshares,        Bank,
  Inc.,              St. Charles,
  St. Charles,       Missouri
  Missouri
North Valley       Six Rivers          San           September 22, 2000
  Bancorp,           National Bank,      Francisco
  Redding,           Eureka,
  California         California
Northwest          Plymouth            Chicago       October 26, 2000
  Financial          Bancorporation,
  Corp.,             Inc., Le Mars,
  Spencer, Iowa      Iowa
                   First National
                     Bank, Sioux
                     City, Iowa
Ogden              Ames Community      Chicago       October 20, 2000
  Bancshares,        Bank,
  Inc.,              Ames, Iowa
  Ogden, Iowa
PAB Bankshares,    Baxley Federal      Atlanta       October 19, 2000
  Inc.,              Savings Bank,
  Valdosta,          F.S.B., Baxley,
  Georgia            Georgia
PCB Bancorp,       Premier Community   Atlanta       October 13, 2000
 Inc., Largo,        Bank of
 Florida             Southwest
                     Florida, Lehigh
                     Acres, Florida
Premier Bancorp,   Premier Bank,       Chicago       September 29, 2000
  Inc.,              Wilmette,
  Wilmette,          Illinois
  Illinois
Prime Pacific      Prime Pacific       San           October 17, 2000
  Financial          Bank, N.A.,         Francisco
  Services,          Lynnwood,
  Inc.,              Washington
  Lynnwood,
  Washington
Quality            Fingal State        Minneapolis   October 4, 2000
  Bancshares,        Bank,
  Inc.,              Fingal, North
  Fargo, North       Dakota
  Dakota
Sterling City      The First           Dallas        October 25, 2000
  Bancshares,        National Bank
  Inc.,              of Sterling
  Sterling City,     City,
  Texas              Sterling City,
Sterling City        Texas
  Delaware
  Financial
  Corporation,
  Dover,
  Delaware
UB Financial       Union Bank of       Atlanta       September 28, 2000
  Corporation,       Florida,
  Plantation,        Plantation,
  Florida            Florida
Whitney Holding    First Ascension     Atlanta       October 16, 2000
  Corporation,       Bancorp, Inc.,
  New Orleans,       Gonzales,
  Louisiana          Louisiana
Wintrust           Northbrook Bank &   Chicago       October 12, 2000
  Financial          Trust Company,
  Corporation,       Northbrook,
  Lake Forest,       Illinois
  Illinois

Section 4

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

Allegiant          Equality Bancorp,   St. Louis     October 20, 2000
  Bancorp, Inc.,     Inc.,
  St. Louis,         St. Louis,
  Missouri           Missouri
                   Equality Savings
                     Bank,
                     St. Louis,
                     Missouri
Bank of            Bankmont            Chicago       October 20, 2000
  Montreal,          Financial
  Ontario,           Corporation,
  Canada             Chicago,
                     Illinois
Bank of
  Montreal,
  Chicago,
  Illinois
Bank One           To engage in        Chicago       October 6, 2000
  Corporation,       nonbanking
  Chicago,           activities
  Illinois
F&M Financial      MDS On-line, LLC,   Minneapolis   October 18, 2000
  Services,          La Crosse,
  Inc.,              Wisconsin
  Preston,
  Minnesota
Uwharrie Capital   Albemarle           Richmond      October 13, 2000
  Corporation,       Heritage, LLC,
  Albemarle,         Albemarle,
  North Carolina     North Carolina

Sections 3 and 4

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

Grace Investment   The First           Kansas City   October 25, 2000
  Company,           National Bank
  Alva, Oklahoma     in Okeene,
                     Okeene,
                     Oklahoma
The Sumitomo       The Sakura Bank,    San           October 20, 2000
  Bank, Limited,     Limited,            Francisco
  Osaka, Japan       Tokyo, Japan
                   Manufacturers
                     Bank, Los
                     Angeles,
                     California