Decisions on Bank Applications

Real Estate - Hold (2% of Tier 1 capital or less)

Bank may indirectly through a wholly-owned subsidiary hold residential real estate involving 2% of Tier 1 Capital or less.

Disclaimer

The following list shows those activities and investments approved by the FDIC under Section 24 of the Federal Deposit Insurance Act and Part 362 of the FDIC’s Rules and Regulations, 12 C.F.R. Part 362. The list provides insured state banks and their counsel some initial guidance regarding activities and investments that the FDIC may approve under Section 24. However, the fact that a particular activity or investment has received FDIC approval in the past does not affect the obligation of another institution to seek permission from the FDIC to engage in the same or similar activity. Additionally, the fact that a particular investment or activity has been approved in the past does not restrict the FDIC's review of future requests to engage in similar activities nor our ability to impose prudential standards on the conduct of that activity. Finally, it should be borne in mind that since the time any particular application was approved, key statutory or regulatory changes may have taken place, which might impact how the issues would be treated today.

LEGACY BANK, HINTON, OK

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	10/26/2005	$25.00	<2%
Notice of intent to create a wholly-owned subsidiary structured as a limited liability company to hold mineral rights royalties held by the Bank for over 10 years. Each of the mineral royalties has been charged down to $1.00 by the Bank.

CITIZENS STATE BANK, OKEMAH, OK

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	11/25/2005	$3.00	<2%
Notice of intent to establish a wholly-owned operating subsidiary, to hold certain OREO acquired by the Bank, through foreclosure or in satisfaction of debts previously contracted, beyond the ten-year limit imposed by Federal and State law.

COTTONPORT BANK - COTTONPORT, LA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Delegated Authority	6/20/2005	$14,541.00	0.07%
Bank filed application for consent to indirectly engage as principal through The Cottonport Real Estate Properties, L.L.C. (Subsidiary), a wholly-owned subsidiary, in real estate investment activities that may not be permissible for a subsidiary of a national bank. Cottonport Bank

ST. MARTIN BANK & TRUST COMPANY - ST. MARTINVILLE, LA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	9/3/2004	$1,000.00	0.0001%
Bank filed notice to continue to hold certain mineral rights originally acquired in connection with debts previously contracted ("dpc") in a newly created single purpose subsidiary organized as a limited liability company.

BANK OF ABBEVILLE & TRUST COMPANY - ABBEVILLE, LA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	9/13/2004	$1,000.00
Bank filed a notice to hold a wholly-owned subsidiary, organized as an LLC real estate that was acquired for debts previously contracted and mineral rights that have been separated from that real estate when the real estate sold. The Bank has sixteen parcels of real estate. The mineral interest represents royalty interest acquired in the 1930's or before.

CITIZEN'S BANK - VILLE PLATTE, LA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	9/10/2004	$1.00
Bank seeks approval to hold real estate and mineral rights (including mineral rights separated from the real estate and retained when real estate is sold), that were or will be acquired for debts previously contracted, in a wholly-owned subsidiary, organized as a limited liability company.

BANK OF LOUISIANA - METARIE, LA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Delegated Authority	8/7/2003	$ 3.00
Bank, seeks to continue to retain a parcel of other real estate, acquired in 1991. The parcel is subject to a life estate interest.

FIRST CITIZENS BANK & TRUST CO. - RALEIGH, NC

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Delegated Authority	8/3/1999		1.64%
Application to allow existing wholly owned subsidiary to continue to hold certain real estate that is leased to an affiliated federal savings bank, Atlantic States Bank, Fort Myers, FL ("ASB") for use as bank premises and to hold other real estate for various corporate purposes.

FARMERS-MERCHANTS BANK & TRUST CO. - BREAUX BRIDGE, LA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Delegated Authority	8/14/2003	$1.00	1.5%
Application to hold real estate acquired in satisfaction of debts previously contracted (DPC) in wholly owned subsidiary organized as a Limited Liability Company

COLUMBUS STATE BANK - COLUMBUS, TX

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	7/2/2001	$ 5,000	0.28%
Notice of intent to organize a wholly-owned subsidiary to engage in limited real estate investment activities involving the transfer of mineral interests and three tracts of farmland acquired for Debts Previously Contracted (DPC) into a wholly-owned subsidiary. By transferring the mineral interests and farmland to a wholly owned subsidiary, the Bank will take title to the mineral interests and farmland.

HILL BANK & TRUST COMPANY - WEIMAR, TX

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	7/2/2001	$ 5,000	0.36%
Notice of intent to organize a wholly-owned subsidiary to conduct limited real estate investment activities. The Bank proposes to transfer mineral interests acquired in connection with Debts Previously Contracted (DPC) into a wholly-owned subsidiary. The Bank will take title to the mineral interests.

CENTRAL BANK OF THE LAKE OF THE OZARKS - OSAGE BEACH, MO

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Delegated Authority	7/19/2001	$ 227, 175	0.93%
Application to continue to own real estate through a wholly-owned subsidiary. In 1995, the Bank requested permission from the State to acquire a tract of raw land containing approximately 36 acres. The Bank proposed constructing a Bank branch on a portion of the property. Because the owner of the property refused to divide the tract, the Bank was forced to purchase the entire tract. As a condition of approval, the State required the Bank to divest itself of the excess property within 8 years.

PEOPLE'S BANK - BRIDGEPORT, CT

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Delegated Authority	7/17/1998		1.97%
Application to continue real estate investment activities after the merger of two institutions with previous approvals under Section 24.

BANK OF WINNFIELD & TRUST COMPANY - WINNFIELD, LA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	7/13/2004	$4,990.00	1%
Notice of intent to retain one parcel of other real estate which was originally "bank premises" and transferred to the other real estate classification in 1961. The parcel of other real estate has been leased to an insurance agency for the past thirty years.

GENERAL BANK - LOS ANGELES, NC

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Delegated Authority	7/10/2000	$ 500,000	2% OR LESS
Application to form a subsidiary to invest in limited partnerships and limited liability companies. These entities will own or invest in commercial real estate within the bank's service area.

THOMASTON SAVINGS BANK - THOMASTON, CT

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Delegated Authority	6/6/2001	$ 140,000	2%
Application to continue to hold, a parcel of land through a subsidiary organized as a limited liability company.

FARMERS AND MERCHANTS BANK OF HILL CITY - HILL CITY, KS

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	6/23/2004	$16,000.00	1%
Notice of intent to develop an industrial park and sell 70 acres of land through a wholly-owned subsidiary in this community of 1,604 residents.

CITIZENS STATE BANK - JASPER, TN

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	6/21/2001	$ 80,000	1.92%
Notice of intent to invest 1.92 % Tier one capital in a limited liability company that would participate in a real estate investment with a local construction company.

FARMERS STATE BANK - GROESBECK, TX

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	6/17/2002	$ 1,000	0.01%
Notice of intent to retain other real estate acquired DPC through deed in lien of foreclosure. The property has been leased to the original owner since it was acquired.

NORTHWEST SAVINGS BANK - AMERY, WI

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	5/31/1995		0.02%
Application to engage through a wholly-owned subsidiary in real estate investment and sales activities involving residential lots, until complete divestiture.

MUTUAL SAVINGS BANK - MILWAUKEE, WI

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	5/10/2000	2.2M	1.3%
Notice of intent to continue to hold and sell land adjacent to the Bank's executive offices through an existing wholly-owned subsidiary. In May 1995, the FDIC's Washington office approved the bank's application to hold the excess property, subject to the condition that the bank would seek FDIC approval to continue to hold the property if divestiture had not been accomplished within five years. The current notice was filed in answer to that condition. The subsidiary also holds land acquired by the bank in connection with debts previously contracted. The consent granted to the bank by the FDIC to hold that property expires on December 19, 2001.

MEREDITH VILLAGE SAVINGS BANK - MEREDITH, NH

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Delegated Authority	4/8/1999	$ 18,000	0.07%
Application to retain indirectly, through its wholly owned OREO subsidiary, a small parcel of lakefront land with a modest vacation home, which had formerly been the property of defaulting borrowers.

MC BANK & TRUST COMPANY - MORGAN CITY, LA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Delegated Authority	4/5/2002	$ 292,229	> 2%
Application to transfer remaining portion of property previously acquired for future bank premises, but subsequently transferred to Other Real Estate, to a wholly owned bank subsidiary.

SACRAMENTO COMMERCIAL BANK - SACRAMENTO, CA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	4/29/1997	$ 210,000	1.93%
Application to continue to engage in real estate activities through a wholly-owned subsidiary. Sacramento Commercial Bank

SAN JOAQUIN BANK - BAKERSFIELD, CA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	4/25/1995	$ 89,900	1%
Application to indirectly continue real estate investment activities through a wholly-owned subsidiary, that holds a 5% general partnership interest in a partnership that owns a qualified low income housing project. San Joaquin Bank

EAST CAMBRIDGE SAVINGS BANK - CAMBRIDGE, MA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	4/23/1996	$ 252,000	0.65%
Application to continue to hold through a subsidiary, one income producing, three story building and contiguous parcel of raw land, adjacent to the bank's main office. East Cambridge Savings Bank

ELLIS STATE BANK - ELLIS, KS

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	4/23/1996	$ 70,000	1.82%
Application to organize a wholly owned subsidiary (de novo) for investment and development activities. Ellis State Bank

FIRST AMERICAN BANK - BRYAN, TX

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	4/2/2003	$ 2.00	2%
Notice of intent to transfer title of two parcels of real estate to two wholly owned subsidiaries incorporated under the laws of the State of Texas.

NORTHWEST SAVINGS BANK - WARREN, PA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Delegated Authority	4/18/2003	$ 357,000	2%
Application to transfer various real estate properties to wholly-owned subsidiary. The properties consist of real estate obtained through debts previously contracted (DPC), or for use as a bank premises.

CATHAY BANK - LOS ANGELES, CA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	4/16/1996	2.0M	1.6%
Application to continue to engage in real estate investment activities through a wholly-owned subsidiary. Cathay Bank

HOME STAR BANK - MANTENO, IL

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	4/13/2000	$ 335,000	1.86%
Bank provides notice of intent to indirectly engage in real estate investment activities through a wholly- owned subsidiary. The Bank agrees to limit the maximum total equity investment in the subsidiary, including direct contributions or future increases in retained earnings, to 2% of the Bank's Tier I capital.

BANK OF GREENSBURG - GREENSBURG, LA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	4/13/1995	$ 116,000	1.7%
Application to continue equity investments in real estate. The investments, which consist of two small buildings, will be held by a reactivated to-be-established wholly-owned subsidiary. Bank of Greensburg

WATONGA STATE BANK - WATONGA, OK

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	4/11/2002	$ 82,000	1.5%
Notice of intent to conduct real estate investment activity through a wholly-owned subsidiary. The subsidiary will be incorporated under the laws of the State of Oklahoma and will be a single purpose entity formed to hold a parcel of real estate. The Bank's investment in the subsidiary does not exceed 2% of Tier 1 capital.

CATHAY BANK - LOS ANGELES, CA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	3/8/1995	1.3M	1.6%
Application to continue to engage in real estate investment activities through a wholly-owned subsidiary. Cathay Bank

LAUREL SAVINGS BANK - ALLISON PARK, PA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	3/26/1996	$ 144,500	0.60%
Application to transfer a commercial office building to an inactive, wholly-owned subsidiary. Laurel Savings Bank

THE ROME SAVINGS BANK - ROME, NY

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	3/26/1996	$ 438,600	1.93%
Application to engage in real estate investment activities through a wholly- owned subsidiary. The Rome Savings Bank

BANK OF MOUNTAINVIEW - MOUNTAINVIEW, AR

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	3/17/1999	$ 151,000	> 1%
Notice of intent to retain two parcels of land originally acquired for future expansion. Bank plans to transfer the parcels to a wholly owned subsidiary until a decision is reached by their Board of Directors concerning the sale or retention of the parcels.

CENTENNIAL BANK - OLYMPIA, WA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	3/15/1995	$ 317,900	0.5%
Application to retain its existing real estate investment in a small retail shopping center through its wholly- owned subsidiary. Centennial Bank

FARMERS STATE BANK - WESTMORELAND, KS

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	2/28/2001	$ 190,000	1.6%
Notice by bank to establish subsidiary that will construct a 5,000 square foot building for use as the community's only grocery store through a lease arrangement based on 1% of the profit.

GRAND PRAIRIE STATE BANK - GRAND PRAIRIE, TX

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	2/25/2002	$ 78,500	2.0046%
Application to retain a parcel of other real estate acquired DPC in 1987. The parcel has been continuously listed and marketed since acquisition and has been written down from its original to present book book value.

INTERCONTINENTAL BANK - MIAMI, FL

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	2/22/1995	$ 355,000	0.41%
Application to continue to engage in real estate investment activities through a wholly-owned subsidiary. The subsidiary does not intend to expand its real estate activities or engage in further development of the properties, but requests permission to hold the real estate while it continues to liquidate the properties in an orderly manner. Intercontinental Bank

FARMERS SAVINGS BANK - SPENCER, OH

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	2/20/1997	$ 1.00	0.0002%
Application to continue to engage in real estate investment activities through a wholly-owned subsidiary. The Farmers Savings Bank

INDUSTRIAL/SECURITY/MISSION/VALLEY VIEW/FIRST BANK - KANSAS CITY, KS

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Delegated Authority	2/12/2002		< 2%
Five banks simultaneously filed identical "notices" to form wholly-owned real estate subsidiaries organized as limited liability companies through which they propose to jointly develop their respective interests in a large tract of land.

LOCKPORT SAVINGS BANK - LOCKPORT, NY

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	12/3/1996		0.24%
Application to continue to engage in real estate investment activities until December 19, 1997 through a wholly-owned, first tier subsidiary which has interests in five limited partnerships. Lockport Savings Bank

BANK OF LOUISIANA - NEW ORLEANS, LA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	12/21/2001	$ 1.00
b ank seeks to retain a parcel of other real estate, acquired in 1991. The parcel is subject to a life estate interest. Bank of Louisiana

STAFFORD SAVINGS BANK - STAFFORD SPRINGS, CT

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	11/9/2004	$ 3.00
Notice of intent to continue to hold raw land, 11 acres of which are wetlands, through wholly-owned subsidiary

QUEENS COUNTY SAVINGS BANK - FLUSHING, NY

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	11/8/1999	21m	1.25%
Notice under section 362.4(b)(5) to continue to hold, through a wholly-owned subsidiary, title to various residential real estate condominium units previously acquired via foreclosure.

DECATUR COUNTY BANK - DECATURVILLE, TN

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	11/8/1995	$ 106,000	2%
Application to continue to hold, through a wholly-owned subsidiary, five parcels of other real estate consisting of an old bank building, one commercial property, two houses and one vacant lot. Decatur County Bank

ELGIN FINANCIAL CENTER - ELGIN, IL

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	11/28/1999	$ 100,000	0.2%
Notice to continue to retain ownership indirectly through a wholly-owned subsidiary of condominium property originally purchased by the subsidiary in August of 1997. The purchase was made essentially for charitable purposes to serve as a residence for an elderly couple who are long time, good customers of the bank, but who have now fallen upon hard times and are nearly destitute.

DEWITT BANK AND TRUST CO. - DEWITT, AR

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	11/23/1999	$16,000	< 1%
Applicant applied and was granted permission in 1995 to transfer a farm to a proposed wholly-owned subsidiary, DBT Realty Company Inc. Divestiture would have lead to adverse tax consequences. Bank now provides notice of down streaming several other parcels to the same subsidiary.

ABINGTON SAVINGS BANK - ABINGTON, MA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	11/14/1995	$ 142,000	> 1%
Application to continue to engage in real estate investment activities through wholly owned subsidiary which is a 2.5% limited partner. The partnership manages a residential low income housing project. Abington Savings Bank

RED LAKE COUNTY STATE BANK - RED LAKE FALLS, MN

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	11/12/2004		0
Notice of intent by 3 banks affiliated by common ownership of their respective holding companies (Peoples, First State Bank of Rush City, Red Lake County) to invest in limited partnerships or limited liability companies through their respective wholly-owned subsidiaries

FIRST STATE BANK OF RUSH CITY - RUSH CITY, MN

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	11/12/2004		0
Notice by 3 banks affiliated by common ownership of their respective holding companies (Peoples, First State Bank of Rush City, Red Lake County) to invest in limited partnerships or limited liability companies through their respective wholly-owned subsidiaries

PEOPLES STATE BANK - AUGUSTA, WI

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	11/12/2004		0
Notice by 3 banks affiliated by common ownership of their respective holding companies (Peoples, First State Bank of Rush City, Red Lake County) to invest in limited partnerships or limited liability companies through their respective wholly-owned subsidiaries

BARDWELL DEPOSIT BANK - BARDWELL, KY

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	10/26/1995	$ 25,000	0.63%
Application to continue to engage in real estate investment and leasing activities through a proposed wholly-owned subsidiary involving a grocery store and 2 1/2 acres adjacent to the store, acquired by deed in lieu of foreclosure. Bardwell Deposit Bank

IBERIA SAVINGS BANK - IBERIA, LA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	10/25/1995	$ 79,300	0.1%
Application to continue real estate investment activities through a subsidiary involving the retention of thirteen undeveloped residential lots. Iberia Savings Bank

GREEN POINT BANK - NEW YORK, NY

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	10/25/1995	5.5M	0.50%
Application to divest and transfer real estate investment activities (shopping centers) to proposed wholly- owned subsidiaries. GreenPoint Bank

EVERETT SAVINGS BANK - EVERETT, MA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	10/25/1995	$ 35,000	0%
Application to continue to hold a two story commercial office building through a wholly owned subsidiary with a 25% limited partnership interest. Everett Savings Bank

DEWITT BANK AND TRUST CO. - DEWITT, AR

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	10/20/1995	16.7M	0.9%
Application to continue to hold a farm through a proposed wholly-owned subsidiary, because divestiture would lead to adverse tax consequences. The proposed subsidiary will maintain and lease the property acquired through a property exchange for land, which the bank owned from its inception. De Witt Bank and Trust Company

PROVIDENT SAVINGS BANK - JERSEY CITY, NJ

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	10/20/1995	1.4M	1.01%
Application filed by bank to indirectly continue real estate investment and development activities through two wholly- owned subsidiaries. Provident Savings Bank

CITIZENS-UNION SAVINGS BANK - FALL RIVER, MA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	10/19/1995	$ 648,000	2%
Application to continue to hold real estate investments consisting of one partially sold condominium complex through its wholly-owned subsidiary until the sale of the remaining units are completed.

WASHINGTON MUTUAL SAVINGS BANK - SEATTLE, WA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	1/9/1997	12.6M	1.07%
Application to indirectly continue real estate activities acquired through a merger. The real estate will be held by a wholly-owned subsidiary.

SOUTHWEST BANK - FORT WORTH, TX

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	1/8/2002	$ 450.00	> 2%
Notice of intent to transfer real estate acquired for debts previously contracted ("DPC") in 1989 to a wholly- owned subsidiary. The real estate consists of a 10% interest in some unimproved land.

GRANITE BANK - KEENE, NH

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	1/23/2003		2%
Notice of intent to continue to hold a parcel of undeveloped land. The land is being held as Other Real Estate Owned in return for Debts Previously Contracted. The bank will transfer the land to a wholly-owned subsidiary.

TROY SAVINGS BANK - TROY, NY

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Delegated Authority	1/21/2000	$3,250,000	> 1%
Application to acquire through a majority-owned subsidiary a 50 percent interest in a limited liability company ("LLC") to be established under New York law that will engage in the ownership, development and leasing or sale of commercial real estate located in an industrial park.

WEST BEND SAVINGS BANK - WEST BEND, WI

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Board Action	1/16/1996	2.2M	17.4%
Application to engage in real estate investment, acquisition, development and sales activities through a wholly-owned subsidiary.

SUNWEST BANK - TUSTIN, CA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Delegated Authority	1/14/2002	$ 740,000	> 2%
Notice of intent to conduct real estate investment activities through a second-tier subsidiary. The Bank’s parent holding company currently owns North Orange County Bancorp, a wholly-owned first tier subsidiary which in turn owns WCV, Inc. (“WCV”), a wholly-owned second tier subsidiary whose sole asset is a piece of real property (a former gas station) which is environmentally impacted. The Bank will acquire WCV as a second tier subsidiary through a merger with the Bank’s parent holding company.

PEOPLES BANK OF FLEMING COUNTY - FLEMINGSBURG, KY

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Application	Delegated Authority	1/14/2002	$ 981,088	6.6%
Application for consent to hold four parcels of real estate, necessary to obtain three to five choice acres for a future branch location. Bank has sold two of the lots and a third is being actively marketed.

BANK OF COUSHATTA - COUSHATTA, LA

Application or Notice	Board or Delegated Authority	Date of Approval	Amount of Investment	Percent of Tier I Capital
Notice	Delegated Authority	1/13/2003	$ 5,000	2%
Notice of intent to establish a subsidiary to hold real estate beyond a ten year period.