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

Federal Reserve Bulletin, May, 2001

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)

1st Choice Bancorp, Inc.,           1st Choice Bank,
  Houston, Texas                      Houston, Texas
1st Choice Bancorp of Delaware,
  Inc.
  Wilmington, Delaware
ABC Bancorp,                        Tri-County Bank,
  Moultrie, Georgia                   Trenton, Florida
Admiral Family Banks, Inc.,         Federated Bancorp,
  Alsip, Illinois                     Loda, Illinois
                                    Federated Bank,
                                      Onarga, Illinois
American State Bancshares, Inc.,    American State Bank, National
  Great Bend, Kansas                  Association,
                                      Great Bend, Kansas
Astra Financial Corporation,        First Missouri Bancshares, Inc.,
  Prairie Village, Kansas             Brookfield, Missouri
                                    First Missouri National Bank,
                                      Brookfield, Missouri
BSB Community Bancorporation,       Benton State Bank,
  Inc.,                               Benton, Wisconsin
  Benton, Wisconsin
CCB Corporation,                    Acquisition Corporation,
  Kansas City, Missouri               Leawood, Kansas
Centra Financial Holdings, Inc.,    Centra Financial Corporation-
  Morgantown, West Virginia           Morgantown, Inc.,
                                      Morgantown, West Virginia
                                    Centra Financial Corporation-
                                      Martinsburg, Inc.,
                                      Martinsburg, West Virginia
                                    Centra Bank, Inc.,
                                      Morgantown, West Virginia
Chittenden Corporation,             Maine Bank Corporation,
  Burlington, Vermont                 Portland, Maine
                                    Maine Bank and Trust Company,
                                      Portland, Maine
First Olathe Bancshares, Inc.,      Bannister Bancshares, Inc.,
  Kansas City, Missouri               Kansas City, Missouri
Foster Bankshares, Inc.,            Foster Bank,
  Chicago, Illinois                   Chicago, Illinois
Grant County State Bancshares,      Grant County State Bancshares,
  Inc., Employee Stock Ownership      Swayzee, Indiana
  Plan,
  Swayzee, Indiana
Heartland Bancorp, Inc.,            Court Acceptance Company,
  Bloomington, Illinois               Pekin, Illinois
                                    First State Bank of Pekin,
                                      Pekin, Illinois
Innovative Bancorp,                 Bank of Oakland,
  Calabasas, California               Oakland, California
Katy Bancshares, Inc.,              Katy Bancshares Delaware, Inc.,
  Katy, Texas                         Wilmington, Delaware
                                    Katy Bank, National Association,
                                      Katy, Texas
Plymouth Financial Corporation,     New Liberty Bank,
  Plymouth, Michigan                  Plymouth, Michigan
Shelby Bancshares, Inc.,            Shelby Savings Bank, SSB,
  Center, Texas                       Center, Texas
Shelby Savings of Nevada, Inc.,
  Carson City, Nevada
Sterling Bancshares, Inc.,          CaminoReal Bancshares, Inc.,
  Houston, Texas                      San Antonio, Texas
Sterling Bancorporation, Inc.,      CaminoReal Delaware, Inc.,
  Wilmington, Delaware                Wilmington, Delaware
                                    CaminoReal Bank National
                                      Association, San Antonio,
                                      Texas
Texas Financial Bancorporation,     First National Bank of Texas,
  Inc., Minneapolis, Minnesota        Decatur, Texas
Delaware Financial, Inc.,
  Wilmington, Delaware
United Bancorp, Inc.,               United Bank & Trust - Washtenaw,
  Tecumseh, Michigan                  Ann Arbor, Michigan
United Financial Holdings, Inc.,    First Security Bank,
  St. Petersburg, Florida             Sarasota, Florida
WB&T Bankshares, Inc.,              Guardian Bank,
  Waycross, Georgia                   Valdosta, Georgia

Section 4

Applicant(s)                        Nonbanking Activity/Company

AmericaUnited Bancorp, Inc.,        AmericaUnited Bank and Trust
  Schaumburg, Illinois                Company USA,
                                      Schaumburg, Illinois
Bank One Corporation,               To expand its community
  Chicago, Illinois                   development activities to an
                                      aggregate investment
Capital Bank Corporation,           Capital Bank Investment
  Raleigh, North Carolina             Services, Inc., Raleigh,
                                      North Carolina
Commonwealth Bancshares, Inc.,      SMC Capital, Inc.,
  Shelbyville, Kentucky               Louisville, Kentucky
First Ainsworth Company,            To engage de novo in extending
  Ainsworth, Nebraska                 credit and servicing loans
Hawarden Banshares, Inc.,           G.W. Insurance Services, Inc.,
  Hawarden, Iowa                      Hawarden, Iowa
                                    Farmers State Agency,
                                      Hawarden, Iowa
Mitsubishi Tokyo Financial Group,   KOKUSAI America Incorporated,
  Inc.,                               New York, New York
  Tokyo, Japan
The Bank of Tokyo-Mitsubishi,
  Ltd.,
  Tokyo, Japan
Southern Community Bancorp. Inc.,   Southern Community Banc
  Orlando, Florida                    Mortgage, LLC,
                                      Longwood, Florida

Sections 3 and 4

Applicant(s)                        Nonbanking Activity/Company

First National Bank of Moose Lake   First Financial Services of
  Profit Sharing and ESOP,            Moose Lake, Inc.,
  Moose Lake, Minnesota               Moose Lake, Minnesota
F.N.B. Corporation,                 Citizens Community Bancorp,
  Hermitage, Pennsylvania             Inc., Marco Island, Florida
                                    Citizens Financial Corporation,
                                      Naples, Florida
                                    CCB Mortgage Corporation,
                                      Marco Island, Florida

Section 3

Applicant(s)                        Reserve Bank    Effective Date

1st Choice Bancorp, Inc.,           Dallas          March 5, 2001
  Houston, Texas
1st Choice Bancorp of Delaware,
  Inc.
  Wilmington, Delaware
ABC Bancorp,                        Atlanta         March 16, 2001
  Moultrie, Georgia
Admiral Family Banks, Inc.,         Chicago         March 29, 2001
  Alsip, Illinois
American State Bancshares, Inc.,    Kansas City     March 15, 2001
  Great Bend, Kansas
Astra Financial Corporation,        Kansas City     March 14, 2001
  Prairie Village, Kansas
BSB Community Bancorporation,       Chicago         March 5, 2001
  Inc.,
  Benton, Wisconsin
CCB Corporation,                    Kansas City     March 8, 2001
  Kansas City, Missouri
Centra Financial Holdings, Inc.,    Richmond        March 9, 2001
  Morgantown, West Virginia
Chittenden Corporation,             Boston          March 28, 2001
  Burlington, Vermont
First Olathe Bancshares, Inc.,      Kansas City     March 9, 2001
  Kansas City, Missouri
Foster Bankshares, Inc.,            Chicago         March 1, 2001
  Chicago, Illinois
Grant County State Bancshares,      Chicago         March 22, 2001
  Inc., Employee Stock Ownership
  Plan,
  Swayzee, Indiana
Heartland Bancorp, Inc.,            Chicago         March 27, 2001
  Bloomington, Illinois
Innovative Bancorp,                 San Francisco   March 14, 2001
  Calabasas, California
Katy Bancshares, Inc.,              Dallas          March 8, 2001
  Katy, Texas
Plymouth Financial Corporation,     Chicago         March 6, 2001
  Plymouth, Michigan
Shelby Bancshares, Inc.,            Dallas          February 27, 2001
  Center, Texas
Shelby Savings of Nevada, Inc.,
  Carson City, Nevada
Sterling Bancshares, Inc.,          Dallas          January 26, 2001
  Houston, Texas
Sterling Bancorporation, Inc.,
  Wilmington, Delaware
Texas Financial Bancorporation,     Dallas          February 23, 2001
  Inc., Minneapolis, Minnesota
Delaware Financial, Inc.,
  Wilmington, Delaware
United Bancorp, Inc.,               Chicago         March 9, 2001
  Tecumseh, Michigan
United Financial Holdings, Inc.,    Atlanta         March 16, 2001
  St. Petersburg, Florida
WB&T Bankshares, Inc.,              Atlanta         March 9, 2001
  Waycross, Georgia

Section 4

Applicant(s)                        Reserve Bank    Effective Date

AmericaUnited Bancorp, Inc.,        Chicago         February 27, 2001
  Schaumburg, Illinois
Bank One Corporation,               Chicago         March 16, 2001
  Chicago, Illinois
Capital Bank Corporation,           Richmond        March 21, 2001
  Raleigh, North Carolina
Commonwealth Bancshares, Inc.,      St. Louis       February 28, 2001
  Shelbyville, Kentucky
First Ainsworth Company,            Kansas City     March 7, 2001
  Ainsworth, Nebraska
Hawarden Banshares, Inc.,           Chicago         March 21, 2001
  Hawarden, Iowa
Mitsubishi Tokyo Financial Group,   San Francisco   March 28, 2001
  Inc.,
  Tokyo, Japan
The Bank of Tokyo-Mitsubishi,
  Ltd.,
  Tokyo, Japan
Southern Community Bancorp. Inc.,   Atlanta         March 23, 2001
  Orlando, Florida

Sections 3 and 4

Applicant(s)                        Reserve Bank    Effective Date

First National Bank of Moose Lake   Minneapolis     March 15, 2001
  Profit Sharing and ESOP,
  Moose Lake, Minnesota
F.N.B. Corporation,                 Cleveland       February 27, 2001
  Hermitage, Pennsylvania