As on June 22, 2001

Under the Bank Holding Company Act, bank holding companies may elect to be financial holding companies.  Following is a list of those companies whose elections to become or be treated as financial holding companies are effective.  The list includes only the top-tier holding company in each organization.

1st Financial Bancshares, Inc.

Overland Park, Kansas

Kansas City

ABC Bancorp

Moultrie, Georgia

Atlanta

ABN AMRO North America Holding Company

Chicago, Illinois

Chicago

Absecon Bancorp

Absecon, New Jersey

Philadelphia

Acadiana BancShares, Inc.

Lafayette, Louisiana

Atlanta

ACNB Corporation

Gettysburg, Pennsylvania

Philadelphia

Admiralty Bancorp, Inc.

Palm Beach Gardens, Florida

Atlanta

AEA Bancshares, Inc.

Seattle, Washington

San Francisco

Aliant Financial Corporation

Alexander City, Alabama

Atlanta

Alliance Bancshares, Inc.

Orlando, Florida

Atlanta

Altrust Financial Services, Inc.

Cullman, Alabama

Atlanta

AmeriBancShares, Inc.

Wichita Falls, Texas

Dallas

American Bancorporation, Inc.

Sapulpa, Oklahoma

Kansas City

American State Corporation

Lawrenceburg, Indiana

Chicago

AmSouth Bancorporation

Birmingham, Alabama

Atlanta

Amtex Bancshares, Inc.

Orange, Texas

Dallas

ANB Bankcorp, Inc.

Bristow, Oklahoma

Kansas City

Andover Bancorp, Inc.

Andover, Ohio

Cleveland

Antioch Holding Company

Antioch, Illinois

Chicago

Arbor Bancorp, Inc.

Ann Arbor, Michigan

Chicago

Armstrong BancShares, Inc.

Vian, Oklahoma

Kansas City

Astra Financial Corporation

Prairie Village, Kansas

Kansas City

Australia and New Zealand Banking Group Limited

Melbourne, Australia

New York

Baker Boyer Bancorp

Walla Walla, Washington

San Francisco

Baldwin Bancshares, Inc.

Baldwin, Wisconsin

Minneapolis

Banc Corporation, The

Birmingham, Alabama

Atlanta

BancFirst Corporation

Oklahoma City, Oklahoma

Kansas City

BancFirst Ohio Corp.

Zanesville, Ohio

Cleveland

BancIndependent, Incorporated

Sheffield, Alabama

Atlanta

Banco Santander Central Hispano, S.A.

Madrid, Spain

New York

Bancshares, Inc., The

Jennings, Louisianna

Atlanta

Bancshares of Missouri, Inc.

Kearney, Missouri

Kansas City

Bank of America Corporation

Charlotte, North Carolina

Richmond

Bank of Montreal

Montreal, Canada

Chicago

Bank of New York Company, Inc., The

New York, New York

New York

Bank of Nova Scotia

Toronto, Canada

New York

Bank of Scotland

Edinburgh, Scotland

New York

Baraboo Bancorporation, Inc., The

Baraboo, Wisconsin

Chicago

BB&T Corporation

Winston-Salem, North Carolina

Richmond

BCC Bankshares, Inc.

Phenix, Virginia

Richmond

Big Lake Financial Corporation

Okeechobee, Florida

Atlanta

Big Sioux Financial, Inc.

Estelline, South Dakota

Minneapolis

Blue Valley Ban Corp.

Overland Park, Kansas

Kansas City

BNP Paribas

Paris, France

San Francisco

BOK Financial Corporation

Tulsa, Oklahoma

Kansas City

Bradley Bancorp

Columbus, Nebraska

Kansas City

Brannen Banks of Florida, Inc.

Inverness, Florida

Atlanta

Britton & Koontz Capital Corporation

Natchez, Mississippi

Atlanta

Buchanan County Bancshares, Inc.

Saint Joseph, Missouri

Kansas City

Business Holding Corporation, The

Baton Rouge, Louisianna

Atlanta

Byron Bancshares, Inc.

Byron, Illinois

Chicago

C.S. Bancshares, Inc.

Chillicothe, Missouri

Kansas City

Cabot Bankshares, Inc.

Cabot, Arkansas

St. Louis

Canadian Imperial Bank of Commerce

Toronto, Canada

New York

Capital Bank Corporation

Raleigh, North Carolina

Richmond

Capital City Bank Group, Inc.

Tallahassee, Florida

Atlanta

Capitol Bankshares, Inc.

Madison, Wisconsin

Chicago

Carbon County Holding Company

Rawlins, Wyoming

Kansas City

Carlson Bancshares, Inc.

West Memphis, Arkansas

St. Louis

Cascade Bancorp

Bend, Oregon

San Francisco

Cayman Investment Company Omega

George Town, Cayman Islands

New York

CBCC, Inc.

West Chester, Pennsylvania

Philadelphia

CBR Bancshares Corp.

Rogersville, Missouri

St. Louis

CBS Banc-Corp.

Russellville, Alabama

Atlanta

CCB Corporation

Kansas City, Missouri

Kansas City

CCFNB Bancorp, Inc.

Bloomsburg, Pennsylvania

Philadelphia

Central Bancshares of Kansas City, Inc.

Kansas City, Missouri

Kansas City

Central Community Corporation

Temple, Texas

Dallas

Central Progressive Bancshares, Inc.

Hammond, Louisiana

Atlanta

Centre 1 Bancorp

Beloit, Wisconsin

Chicago

Century Bancshares, Inc.

Eden Prairie, Minnesota

Minneapolis

Century Bancshares, Inc.

Gainesville, Missouri

St. Louis

CERA Stichting VZW

Leuven, Belgium

New York

Champlain Bank Corporation

Willsboro, New York

New York

Charles Schwab Corporation

San Francisco, California

San Francisco

Charter One Financial, Inc.

Cleveland, Ohio

Cleveland

Chemical Financial Corporation

Midland, Michigan

Chicago

Chemung Financial Corporation

Elmira, New York

New York

Chesapeake Financial Shares, Inc.

Kilmarnock, Virginia

Richmond

Citigroup Inc.

New York, New York

New York

Citizens Bancorp

Corvallis, Oregon

San Francisco

Citizens Bancshares Corporation

Atlanta, Georgia

Atlanta

Citizens Development Company

Billings, Montana

Minneapolis

Citizens Financial Corp.

Midwest City, Oklahoma

Kansas City

Citizens Incorporated

Evans City, Pennsylvania

Cleveland

Citizens National Bancshares of Bossier, Inc.

Bossier City, Louisiana

Dallas

Citizens National Corporation

Paintsville, Kentucky

Cleveland

City National Bancshares, Inc.

Greeley, Nebraska

Kansas City

City National Bancshares, Inc.

Miami, Florida

Atlanta

Citywide Banks of Colorado, Inc.

Aurora, Colorado

Kansas City

Clarity Holdings, Inc.

Purchase, New York

Dallas

Classic Bancshares, Inc.

Ashland, Kentucky

Cleveland

Clinton Bancshares, Inc.

Clinton, Oklahoma

Kansas City

Clintonville Bancshares, Inc.

Clintonville, Wisconsin

Chicago

CNB Bancorp, Inc.

Gloversville, New York

New York

CNB Financial Services, Inc.

Berkeley Springs, West Virginia

Richmond

CNBC Bancorp

Worthington, Ohio

Cleveland

Coconut Grove Bankshares, Inc.

Miami, Florida

Atlanta

Colonial Banc Corp.

Eaton, Ohio

Cleveland

Colonial BancGroup, Inc., The

Montgomery, Alabama

Atlanta

Colorado Business Bankshares, Inc.

Denver, Colorado

Kansas City

Columbia Bancorp

The Dalles, Oregon

San Francisco

Comerica Incorporated

Detroit, Michigan

Chicago

Commerce Bankshares, Inc.

Aurora, Colorado

Kansas City

Commercial Bancshares, Inc.

Texarkana, Arkansas

St. Louis

Commercial Bancshares, Inc.

Upper Sandusky, Ohio

Cleveland

Commercial Capital Corporation

Dekalb, Mississippi

Atlanta

Commercial National Financial Corporation

Ithaca, Michigan

Chicago

Commercial National Financial Corporation

Latrobe, Pennsylvania

Cleveland

Community Bancshares, Inc.

Joseph, Oregon

San Francisco

Community Bancshares, Inc.

McArthur, Ohio

Cleveland

Community Banks, Inc.

Millersburg, Pennsylvania

Philadelphia

Community Bankshares, Inc.

Cornelia, Georgia

Atlanta

Community Commercial Bancshares, Inc.

Germantown, Tennessee

St. Louis

Community Financial Services, Inc.

Benton, Kentucky

St. Louis

Community Financial Services, Inc.

Benton, Kentucky

St. Louis

Community First Financial Corporation

Plato, Missouri

St. Louis

Community Holdings Corporation

Palos Hills, Illinois

Chicago

Community National Bancorporation

Waterloo, Iowa

Chicago

Community National Bank Corporation ESOP

Venice, Florida

Atlanta

Community National Corporation

Grand Forks, North Dakota

Minneapolis

Compass Bancshares, Inc.

Birmingham, Alabama

Atlanta

Concord EFS, Inc.

Memphis, Tenessee

St. Louis

Consumers Bancorp, Inc.

Minerva, Ohio

Cleveland

Cornerstone Alliance, Ltd.

Winfield, Kansas

Kansas City

Cortland Bancorp

Cortland, Ohio

Cleveland

Country Bank Shares, Inc.

Milford, Nebraska

Kansas City

Countrywide Credit Industries, Inc.

Calabasas, California

Richmond

Covenant Bancgroup, Inc.

Leeds, Alabama

Atlanta

Credit Suisse Group

Zurich, Switzerland

New York

Crews Banking Corporation

Wauchula, Florida

Atlanta

Crosstown Holding Company

Blaine, Minnesota

Minneapolis

CTB Financial Corporation

Ruston, Louisianna

Dallas

Cullen/Frost Bankers, Inc.

San Antonio, Texas

Dallas

Damariscotta Bankshares, Inc.

Damariscotta, Maine

Boston

DB Holding Company, Inc.

Omaha, Nebraska

Kansas City

DCB Financial Corp

Delaware, Ohio

Cleveland

Decatur Investment, Inc.

Oberlin, Kansas

Kansas City

Delhi Bancshares, Inc.

Delhi, Louisiana

Dallas

Delmar Bancorp

Delmar, Maryland

Richmond

Den Danske Bank Aktieselskab

Copenhagen, Denmark

New York

DeSoto Banking Corporation

Arcadia, Florida

Atlanta

Destin Bancshares, Inc.

Destin, Florida

Atlanta

Deutsche Bank Aktiengesellschaft

Frankfurt, Germany

New York

Dexia S.A.

Brussels, Belgium

New York

Doral Financial Corporation

San Juan, Puerto Rico

New York

Doss, Ltd.

Weatherford, Texas

Dallas

Dresdner Bank Aktiengesellschaft

Frankfurt, Germany

New York

Drovers Bancshares Corporation

York, Pennsylvania

Philadelphia

East West Bancorp, Inc.

San Marino, California

San Francisco

Eastern Wisconsin Bancshares, Inc.

Howards Grove, Wisconsin

Chicago

Edgar County Banc Shares, Inc.

Paris, Illinois

Chicago

Eggemeyer Advisory Corp.

Rancho Santa Fe, California

San Francisco

Elk River Bancshares, Inc.

Elk River, Minnesota

Minneapolis

Enterbank Holdings, Inc.

Clayton, Missouri

St. Louis

Equitable Financial Group, Inc.

Fort Lauderdale, Florida

Atlanta

EverTrust Financial Group, Inc.

Everett, Washington

San Francisco

F & M Bank Corp.

Timberville, Virginia

Richmond

F&M Bancorp

Miamisburg, Ohio

Cleveland

F.N.B Corporation

Hermitage, Pennsylvania

Cleveland

F.N.B.C. of La Grange, Inc.

La Grange, Illinois

Chicago

F. S. Bancorp

LaGrange, Indiana

Chicago

Far West Bancorporation

Provo, Utah

San Francisco

Faribault Bancshares, Inc.

Faribault, Minnesota

Minneapolis

Farmers Capital Bank Corporation

Frankfort, Kentucky

St. Louis

Farmers State Bancshares, Inc.

Bangor, Wisconsin

Minneapolis

Farmers State Financial Corp.

Victor, Montana

Minneapolis

FCB Bancshares, Inc.

Good Hope, Alabama

Atlanta

Fentura Bancorp, Inc.

Fenton, Michigan

Chicago

Fidelity D&D Bancorp, Inc.

Dunmore, Pennsylvania

Philadelphia

Fifth Third Bancorp

Cincinnati, Ohio

Cleveland

Financial Corporation of Louisiana

Crowley, Louisiana

Atlanta

Financial Institutions, Inc.

Warsaw, New York

New York

First Ada Bancshares, Inc.

Ada, Oklahoma

Kansas City

First Alamogordo Bancorp of Nevada, Inc.

Reno, Nevada

Dallas

First Altus Bancorp, Inc.

Altus, Oklahoma

Kansas City

First American Bancorp

Athens, Georgia

Atlanta

First Azle Bancshares, Inc.

Azle, Texas

Dallas

First BanCorp

San Juan, Puerto Rico

New York

First Bancorp, Inc.

Ketchikan, Alaska

San Francisco

First Bancshares Corporation

Gladstone, Michigan

Minneapolis

First Bancshares Inc.

Bellevue, Ohio

Cleveland

First BancShares, Inc. of Cold Spring

Cold Spring, Minnesota

Minneapolis

First Bancshares, Inc., The

Hattiesburg, Mississippi

Atlanta

First Bank Corp

Fort Smith, Arkansas

St. Louis

First Bank Shares of the South East, Inc.

Alma, Georgia

Atlanta

First Bankshares, Inc.

Longwood, Florida

Atlanta

First Bethany Bancorp, Inc.

Bethany, Oklahoma

Kansas City

First Busey Corporation

Urbana, Illinois

Chicago

First Carmi Bancshares, Inc.

Carmi, Illinois

St. Louis

First Central Union

Temple, Texas

Dallas

First Century Bankshares, Inc.

Bluefield, West Virginia

Richmond

First Cherokee Bancshares, Inc.

Woodstock, Georgia

Atlanta

First Citizens Banc Corp

Sandusky, Ohio

Cleveland

First Citizens Bancorporation of South Carolina, Inc.

Columbia, South Carolina

Richmond

First Citizens Bancshares, Inc.

Dyersburg, Tennessee

St. Louis

First Citizens Bancshares, Inc.

Raleigh, North Carolina

Richmond

First Community Bancorp, Inc.

Beecher, Illinois

Chicago

First Community Bancorp, Inc.

Pahokee, Florida

Atlanta

First Community Bank Holding Corporation

DeBary, Florida

Atlanta

First Company

Powell, Wyoming

Kansas City

First Farmers and Merchants Corporation

Columbia, Tennessee

Atlanta

First Financial Bancorp

Hamilton, Ohio

Cleveland

First Financial Corp.

Providence, Rhode Island

Boston

First Financial Corporation

Terre Haute, Indiana

Chicago

First FSB Bancshares, Inc.

Mount Calm, Texas

Dallas

First Gilmer Bankshares, Inc.

Gilmer, Texas

Dallas

First Interstate BancSystem, Inc.

Billings, Montana

Minneapolis

First Laurel Security Co.

Laurel, Nebraska

Kansas City

First Mazon Bancorp, Inc.

Mazon, Illinois

Chicago

First Merchants Corporation

Muncie, Indiana

Chicago

First Missouri Bancshares, Inc.

Brookfield, Missouri

Kansas City

First Mutual Bancshares, Inc.

Bellevue, Washington

San Francisco

First Mutual of Richmond, Inc.

Richmond, Indiana

Chicago

First National Banc, Inc.

St. Mary's, Georgia

Atlanta

First National Bank Corp

Cloverdale, Indiana

Chicago

First National Bankers Bankshares, Inc.

Baton Rouge, Louisiana

Atlanta

First National Bank Holding Company, The

Longmont, Colorado

Kansas City

First National Community Bancorp, Inc.

Dunmore, Pennsylvania

Philadelphia

First National Corporation

Strasburg, Virginia

Richmond

First National Corporation North Dakota

Grand Forks, North Dakota

Minneapolis

First National Corporation of Ardmore, Inc.

Ardmore, Oklahoma

Kansas City

First National Corporation of Picayune

Picayune, Mississippi

Atlanta

First National Lincoln Corporation

Damariscotta, Maine

Boston

First National of Nebraska, Inc.

Omaha, Nebraska

Kansas City

First of Minden Financial Corporation

Minden, Nebraska

Kansas City

First of Waverly Corporation

Waverly, Iowa

Chicago

First Okmulgee Corporation

Okmulgee, Oklahoma

Kansas City

First Pryor Bancorp, Inc.

Pryor, Oklahoma

Kansas City

First Security Bancorp

Searcy, Arkansas

St. Louis

First Southern Bancorp

Stanford, Kentucky

Cleveland

First State Bancshares, Inc.

Farmington, Missouri

St. Louis

First State Bancshares, Inc.

Middlesboro, Kentucky

Cleveland

First State BancShares, Inc.

Scottsbluff, Nebraska

Kansas City

First State Fremont, Inc.

Fremont, Nebraska

Kansas City

First Sterling Banks, Inc.

Kennesaw, Georgia

Atlanta

First Tennessee National Corporation

Memphis, Tennessee

St. Louis

First Union Corporation

Charlotte, North Carolina

Richmond

First Union Financial Corporation

Monticello, Arkansas

St. Louis

First-West Texas Bancshares, Inc.

Midland, Texas

Dallas

First Western Bancorp, Inc.

Huron, South Dakota

Minneapolis

First York Ban Corp.

York, Nebraska

Kansas City

FirstBancorp, Inc.

Naples, Florida

Atlanta

FirstFed Bancorp, Inc.

Bessemer, Alabama

Atlanta

FleetBoston Financial Corporation

Boston, Massachusetts

Boston

Florence Bancorporation, Inc.

Florence, Wisconsin

Minneapolis

Florida Bancshares, Inc.

Dade City, Florida

Atlanta

Florida Banks, Inc.

Jacksonville, Florida

Atlanta

Florida Business BancGroup, Inc.

Tampa, Florida

Atlanta

FMB Banking Corporation

Monticello, Florida

Atlanta

FNB Financial Corporation

McConnellsburg, Pennsylvania

Philadelphia

FNB Financial Services Corporation

Reidsville, North Carolina

Richmond

Foresight Financial Group, Inc.

Rockford, Illinois

Chicago

Forrest City Financial Corporation

Forrest City, Arkansas

St. Louis

Franklin Financial Corporation

Franklin, Tennessee

Atlanta

Franklin Resources, Inc.

San Mateo, California

San Francisco

Fredonia State Bankshares, Inc.

Fredonia, Kansas

Kansas City

Friedman, Billings, Ramsey Group, Inc.

Arlington, Virginia

Richmond

Frontier Financial Corporation

Everett, Washington

San Francisco

Fryburg Banking Company, Inc.

Fryburg, Pennsylvania

Cleveland

FSB Bancorp, Inc.

Altus, Oklahoma

Kansas City

FSB Financial Corp

New Madison, Ohio

Cleveland

Fulton Financial Corporation

Lancaster, Pennsylvania

Philadelphia

FVNB Corp

Victoria, Texas

Dallas

Gadsden Corporation, The

Altoona, Alabama

Atlanta

Galva Investment, Inc.

Galva, Illinois

Chicago

GBC Bancorp

Los Angeles, California

San Francisco

GEBSCO, Inc.

Cochrane, Wisconsin

Minneapolis

Glenwood Bancorporation

Glenwood, Iowa

Chicago

GN Bankshares, Inc.

Girard, Kansas

Kansas City

Goering Management Company, LLC

Moundridge, Kansas

Kansas City

Gold Banc Corporation, Inc.

Leawood, Kansas

Kansas City

Graff Family, Inc.

McCook, Nebraska

Kansas City

Grange National Banc Corp.

Tunkhannock, Pennsylvania

Philadelphia

Granvalor Holding, Ltd.

Tortola, British Virgin Islands

Atlanta

Grapeland Bancshares, Inc.

Grapeland, Texas

Dallas

Great Southern Bancorp. Inc.

Springfield, Missouri

St. Louis

Great Western Securities, Inc.

Omaha, Nebraska

Kansas City

Greenville National Bancorp

Greenville, Ohio

Cleveland

Guaranty Bankshares, Ltd.

Cedar Rapids, Iowa

Chicago

Gulf West Banks, Inc.

St. Petersburg, Florida

Atlanta

Hanmi Financial Corporation

Los Angeles, California

San Francisco

Haviland Bancshares, Inc.

Haviland, Kansas

Kansas City

Hayward Bancshares, Inc.

Eau Claire, Wisconsin

Minneapolis

HBancorporation, Inc.

Lawrenceville, Illinois

St. Louis

Heartland Bancshares, Inc.

Lenox, Iowa

Chicago

Helena Bancshares, Inc.

Helena, Arkansas

St. Louis

Heritage Bancshares, Inc.

Mannington, West Virginia

Richmond

Heritage Capital Corporation

Ashland, Kentucky

Cleveland

Hibernia Corporation

New Orleans, Louisiana

Atlanta

Highland Bancshares, Inc.

Bloomington, Minnesota

Minneapolis

HNB Corporation

Arkansas City, Kansas

Kansas City

Home State Bancshares, Inc.

McPherson, Kansas

Kansas City

Hometown Bancorp, Ltd.

Fond du Lac, Wisconsin

Chicago

Hometown Bancshares, Inc.

Carthage, Missouri

Kansas City

Hometown Independent Bancorp, Inc. ESOP & Trust

Morton, Illinois

Chicago

Honor Bancorp, Inc.

Honor, Michigan

Chicago

HSBC Holdings PLC

London, United Kingdom

New York

Huntington Bancshares Incorporated

Columbus, Ohio

Cleveland

IBT Bancorp, Inc.

Irwin, Pennsylvania

Cleveland

IBT Bancorp, Inc.

Mt. Pleasant, Michigan

Chicago

Imperial Bancorp

Inglewood, CA

San Francisco

Incus Co. Ltd.

Road Town, Tortola, British Virgin Islands

Dallas

Independent BancShares, Inc.

Ocala, Florida

Atlanta

Independent Financial Network

Coos Bay, Oregon

San Francisco

Indian River Banking Company

Vero Beach, Florida

Atlanta

Inland Bancorp Holding Company

Oak Brook, Illinois

Chicago

Inter-Mountain Bancorp, Inc.

Bozeman, Montana

Minneapolis

International Bancorp of Miami, Inc.

Miami, Florida

Atlanta

International Bancshares Corporation

Laredo, Texas

Dallas

Issaquah Bancshares, Inc.

Issaquah, Washington

San Francisco

J.P. Morgan Chase & Co.

New York, New York

New York

James River Bankshares, Inc.

Suffolk, Virginia

Richmond

Jefferson Bancshares, Inc.

Pine Bluff, Arkansas

St. Louis

Jeffersonville Bancorp

Jeffersonville, New York

New York

Johnson International, Inc.

Racine, Wisconsin

Chicago

KeyCorp

Cleveland, Ohio

Cleveland

Keystone Financial Corporation

Kalamazoo, Michigan

Chicago

Kish Bancorp, Inc.

Bellville, Pennsylvania

Philadelphia

Klein Bancshares, Inc.

Houston, Texas

Dallas

Knott Holding Company, Inc.

Carrollton, Missouri

Kansas City

Krey Co. Ltd.

Pratt, Kansas

Kansas City

Lake Michigan Financial Corporation

Holland, Michigan

Chicago

LCNB Corp.

Lebanon, Ohio

Cleveland

Lea County Bancshares, Inc.

Hobbs, New Mexico

Dallas

Liberty Bancshares, Inc.

Springfield, Missouri

St. Louis

Liberty Shares, Inc.

Hinesville, Georgia

Atlanta

Lincoln Investment Company

Lennox, South Dakota

Minneapolis

LNB Bancorp Inc.

Lorain, Ohio

Cleveland

Long Island Financial Corp.

Islandia, New York

New York

Lonoke Bancshares, Inc.

Lonoke, Arkansas

St. Louis

Lordsburg Financial Corporation

Lordsburg, New Mexico

Dallas

Luzerne National Bank Corporation

Luzerne, Pennsylvania

Philadelphia

Lyons Bancorp, Inc.

Lyons, New York

New York

M&F Bancshares, Inc.

Weatherford, Texas

Dallas

M&P Community Bancshares, Inc.

Newport, Arkansas

St. Louis

M.S.B. Corporation

Central City, Iowa

Chicago

Maedgen & White, Ltd.

Lubbock, Texas

Dallas

Main Street Trust, Inc.

Champaign, Illinois

Chicago

Manhattan Banking Corporation

Manhattan, Kansas

Kansas City

Manufacturers Bancshares, Inc.

Tampa, Florida

Atlanta

Marbelhead Bancorp

Marblehead, Ohio

Cleveland

Marquette Bancshares, Inc.

Minneapolis, Minnesota

Minneapolis

Marquette National Company

Marquette, Nebraska

Kansas City

MBT Bancorp

West Harrison, Indiana

Chicago

McClain County Bancorporation, Inc.

Purcell, Oklahoma

Kansas City

Meader Insurance Agency, Inc.

Waverly, Kansas

Kansas City

Medina Community Bancshares, Inc.

Hondo, Texas

Dallas

Mellon Financial Corporation

Pittsburgh, Pennsylvania

Cleveland

Mercantile Bank Corporation

Grand Rapids, Michigan

Chicago

Merchants & Manufacturers Bancorporation, Inc.

New Berlin, Wisconsin

Chicago

Merchants Bancorp

Gresham, Oregon

San Francisco

Merrill Merchants Bancshares, Inc.

Bangor, Maine

Boston

MetLife, Inc.

New York, New York

New York

Metro Bank Financial Services, Inc.

Miami, Florida

Atlanta

Mid-Iowa Bancshares Co.

Algona, Iowa

Chicago

MidAmerica National Bancshares, Inc.

Canton, Illinois

Chicago

Middlefield Banc Corp.

Middlefield, Ohio

Cleveland

Midwest Banc Holding Co.

Pierce, Nebraska

Kansas City

Midwest Bankers' Bancorporation, Inc.

Jefferson City, Missouri

St. Louis

Minster Financial Corp.

Minster, Ohio

Cleveland

MNB Bancshares, Inc.

Malvern, Arkansas

St. Louis

Mountain Bancshares, Inc.

Yellville, Arkansas

St. Louis

MSB Bancorporation, Inc.

Marion, Wisconsin

Chicago

MSB Financial, Inc.

Manhattan, Montana

Minneapolis

Mystic Financial, Inc.

Medford, Massachusetts

Boston

N W Services Corporation

Ringgold, Georgia

Atlanta

Nacogdoches Commercial Bancshares, Inc.

Nacogdoches, Texas

Dallas

NATBC Holding Corporation

Hollywood, Florida

New York

National Bancshares Corporation of Texas

San Antonio, Texas

Dallas

National Bank of Canada

Montreal, Canada

New York

National Banking Corp.

North Little Rock, Arkansas

St. Louis

National Bankshares, Inc.

Blacksburg, Virginia

Richmond

National City Corporation

Cleveland, Ohio

Cleveland

NBC Capital Corporation

Starkville, Mississippi

St. Louis

NBT Bancorp Inc.

Norwich, New York

New York

Neighbor Insurance Agency, Inc.

Marion, Iowa

Chicago

New Mexico Banquest Investors Corporation

Santa Fe, New Mexico

Kansas City

New Millennium Bankshares, Inc.

Topeka, Kansas

Kansas City

Newburg Insurance Agency, Inc.

Newburg, Missouri

St. Louis

North Bay Bancorp

Napa, California

San Francisco

Northern Empire Bancshares

Santa Rosa, California

San Francisco

Northfield MHC

Northfield, Vermont

Boston

Ocean National Corporation

Kennebunk, Maine

Boston

Ohio Heritage Bancorp, Inc.

Coshocton, Ohio

Cleveland

Ohio Valley Banc Corp

Gallipolis, Ohio

Cleveland

Orient Bancorporation

San Francisco, California

San Francisco

Oriental Financial Group Inc.

Rio Piedras, Puerto Rico

New York

Orrstown Financial Services, Inc.

Orrstown, Pennsylvania

Philadelphia

Osceola Bancorporation

Osceola, Iowa

Chicago

Oxford Financial Corporation

Addison, Illinois

Chicago

P.C.B. Bancorp, Inc.

Largo, Florida

Atlanta

Pacific Financial Corporation

Aberdeen, Washington

San Francisco

Palm Beach National Holding Company

Palm Beach, Florida

Atlanta

Pandora Bancshares, Incorporated

Pandora, Ohio

Cleveland

Paradigm Bancorporation, Inc.

Houston, Texas

Dallas

PB Financial Group, Inc.

Denver, Colorado

Kansas City

Pend Oreille Bancorp

Newport, Washington

San Francisco

PennRock Financial Services Corp.

Blue Ball, Pennsylvania

Philadelphia

Penseco Financial Services Corporation

Scranton, Pennsylvania

Philadelphia

Peoples Bancorporation, Inc.

Cuba, Missouri

St. Louis

Peoples Bancorporation, Inc.

Easley, South Carolina

Richmond

Peoples Financial Group, Inc.

Iva, South Carolina

Richmond

Peoples Holding Company

Winder, Georgia

Atlanta

People's Mutual Holdings

Bridgeport, Connecticut

New York

Peoples National Bancshares, Inc.

New Lexington, Ohio

Cleveland

Peotone Bancorp, Inc.

Peotone, Illinois

Chicago

Phelps County Bancshares, Inc.

Rolla, Missouri

St. Louis

Pikes Peak National Company

Colorado Springs, Colorado

Kansas City

Pinnacle Bancorp, Inc.

Central City, Nebraska

Kansas City

Pioneer Acquisition Corp.

Ladysmith, Wisconsin

Minneapolis

Platte Valley Financial Service Companies, Inc.

Scottsbluff, Nebraska

Kansas City

PNC Financial Services Group, Inc., The

Pittsburgh, Pennsylvania

Cleveland

Poca Valley Bankshares, Inc., The

Walton, West Virginia

Richmond

Pointe Financial Corporation

Boca Raton, Florida

Atlanta

Premier Bancorp, Inc.

Doylestown, Pennsylvania

Philadelphia

Prestonwood Bancshares, Inc.

Dallas, Texas

Dallas

Prism Group, Inc.

Hamilton, Missouri

Kansas City

Progressive Bancorp, Inc.

Monroe, Louisiana

Dallas

Prosperity Bancshares, Inc.

Houston, Texas

Dallas

Provident Financial Group, Inc.

Cincinnati, Ohio

Cleveland

PSB Bancorp, Inc.

Philadelphia, Pennsylvania

Philadelphia

R&G Financial Corporation

Hato Rey, Puerto Rico

New York

Rabobank Nederland

Utrecht, the Netherlands

New York

RCB Corporation

Sacramento, California

San Francisco

Redding Bancorp

Redding, California

San Francisco

Regent Bancorp, Inc.

Davie, Florida

Atlanta

Regions Financial Corporation

Birmingham, Alabama

Atlanta

Repton Supply Company

Brewton, Alabama

Atlanta

Republic Bancorp, Inc.

Louisville, Kentucky

St. Louis

Resource Bancshares, Inc.

DeKalb, Illinois

Chicago

Resource One, Inc.

Ulysses, Kansas

Kansas City

River Valley Bancorp, Inc.

Eldridge, Iowa

Chicago

Rockhold Bancorp

Kirksville, Missouri

St. Louis

Royal American Corporation

Inverness, Illinois

Chicago

Royal Bank of Canada

Montreal, Canada

New York

RSNB Bancorp

Rock Springs, Wyoming

Kansas City

S & T Bancorp

Indiana, Pennsylvania

Cleveland

Salisbury Bancorp, Inc.

Lakeville, Connecticut

Boston

Schertz Bancshares Corporation

Schertz, Texas

Dallas

Scripps Financial Corporation

San Diego, CA

San Francisco

Second Bancorp, Incorporated

Warren, Ohio

Cleveland

Security Bancshares Co.

Glencoe, Minnesota

Minneapolis

Security Financial Services Corporation

Enid, Oklahoma

Kansas City

Security Financial Services, Inc.

Hibbing, Minnesota

Minneapolis

Security National Corporation

Omaha, Nebraska

Kansas City

Sherman County Management, Inc.

Loup City, Nebraska

Kansas City

Shore Bancshares, Inc.

Easton, Maryland

Richmond

SI Bancorp, Inc.

Willimantic, Connecticut

Boston

Signal Financial Corporation

Mendota Heights, Minnesota

Minneapolis

Silex Bancshares, Inc.

Silex, Missouri

St. Louis

Silicon Valley Bancshares

Santa Clara, California

San Francisco

Simmons First National Corporation

Pine Bluff, Arkansas

St. Louis

Siouxland National Corporation

South Sioux City, Nebraska

Kansas City

Skandinaviska Enskilda Banken AB

Stockholm, Sweden

New York

Sky Financial Group, Inc.

Bowling Green, Ohio

Cleveland

Skylake Bankshares, Inc.

Miami Lakes, Florida

Atlanta

SNBNY Holdings Limited

Marina Bay, Gibraltar

New York

Société Générale

Paris, France

New York

South Financial Group, The

Greenville, South Carolina

Richmond

South Valley Bancorp, Inc.

Klamath Falls, Oregon

San Francisco

Southern National Banks, Inc.

Fort Walton Beach, Florida

Atlanta

Southern National Corporation

Andalusia, Alabama

Atlanta

Southern Utah Bancorporation

Cedar City, Utah

San Francisco

SouthTrust Corporation

Birmingham, Alabama

Atlanta

Southwest Bancorp, Inc.

Stillwater, Oklahoma

Kansas City

State Capital Corporation

Greenwood, Mississippi

St. Louis

State Financial Investments, Inc.

Winfield, Kansas

Kansas City

State Street Corporation

Boston, Massachusetts

Boston

Stephenson National Bancorp, Inc.

Marinette, Wisconsin

Chicago

Sterling Bancorp

New York, New York

New York

Sterling Bancorporation, Inc.

Austin, Minnesota

Minneapolis

Sterling Financial Corporation

Lancaster, Pennsylvania

Philadelphia

Steuben Trust Corporation

Hornell, New York

New York

Stichting Prioriteit ABN AMRO Holding

Amsterdam, The Netherlands

Chicago

Strategic Capital Bancorp, Inc.

Champaign, Illinois

Chicago

Stratton Bancshares, Inc.

Stratton, Colorado

Kansas City

Summit Bancorp, Inc.

Arkadelphia, Arkansas

St. Louis

Summit Bancshares, Inc.

Oakland, California

San Francisco

Summit Financial Corporation

Greenville, South Carolina

Richmond

Summit Financial Group, Inc.

Moorefield, West Virginia

Richmond

Suntrust Banks, Inc.

Atlanta, Georgia

Atlanta

Superior Financial Holding Corporation

Two Harbors, Minnesota

Minneapolis

Susquehanna Bancshares, Inc.

Lititz, Pennsylvania

Philadelphia

TB&C Bancshares, Inc.

Columbus, Georgia

Atlanta

TCF Financial Corporation

Wayzata, Minnesota

Minneapolis

Team Financial, Inc.

Paola, Kansas

Kansas City

Tejas Bancshares, Inc.

Amarillo, Texas

Dallas

Tensas Bancshares, Inc.

Newellton, Louisiana

Dallas

Terrapin Bancorp, Inc.

Elizabeth, Illinois

Chicago

Tescott Bancshares, Inc.

Tescott, Kansas

Kansas City

Texas Bankers, Inc.

Thorndale, Texas

Dallas

Texas Financial Bancorporation, Inc.

Minneapolis, Minnesota

Dallas

Texas Independent Bancshares, Inc.

Texas City, Texas

Dallas

Texas Regional Bancshares, Inc.

McAllen, Texas

Dallas

Texas United Bancshares, Inc.

La Grange, Texas

Dallas

TIB Financial Corporation

Key Largo, Florida

Atlanta

Tompkins Trustco, Inc.

Ithaca, New York

New York

Toronto-Dominion Bank

Toronto, Canada

New York

Tower Financial Corporation

Fort Wayne, Indiana

Chicago

Town & Country Bancorp, Inc.

Springfield, Illinois

Chicago

Travelers Rest Bancshares, Inc.

Travelers Rest, South Carolina

Richmond

Tri-Parish Bancshares, Ltd.

Eunice, Louisiana

Atlanta

Trinity Capital Corporation

Los Alamos, New Mexico

Kansas City

Turtle Bancshares, Incorporated

Turtle Lake, Wisconsin

Minneapolis

U.S. Bancorp

Minneapolis, Minnesota

Minneapolis

UBS AG

Zurich, Switzerland

New York

UMB Financial Corporation

Kansas City, Missouri

Kansas City

Umpqua Holdings Corporation

Roseburg, Oregon

San Francisco

UNB Corp.

Canton, Ohio

Cleveland

Union Bancshares of Benton, Inc.

Benton, Arkansas

St. Louis

Union State Bancshares, Inc.

Uniontown, Kansas

Kansas City

United Bancorp, Inc.

Martins Ferry, Ohio

Cleveland

United Bancorp, Inc.

Tecumseh, Michigan

Chicago

United Bancorporation

Billings, Montana

Minneapolis

United Bancorporation of Alabama, Inc.

Atmore, Alabama

Atlanta

United Financial Holdings, Incorporated

St. Petersburg, Florida

Atlanta

United Iowa Bancshares, Inc.

Newton, Iowa

Chicago

United Security Bancshares, Inc.

Thomasville, Alabama

Atlanta

Univest Corporation of Pennsylvania

Souderton, Pennsylvania

Philadelphia

USBANCORP, Inc.

Johnstown, Pennsylvania

Philadelphia

Valentine Bancorporation

Valentine, Nebraska

Kansas City

Valley Financial Corp.

Caro, Michigan

Chicago

Valley View Bancshares, Inc.

Overland Park, Kansas

Kansas City

Viking Financial Services Corporation

Seattle, Washington

San Francisco

Village Financial Corporation

Gilford, New Hampshire

Boston

Villages Bancorporation, Inc.

Lady Lake, Florida

Atlanta

Voyager Financial Services Corporation

Edina, Minnesota

Minneapolis

W Holding Company, Inc.

Mayaguez, Puerto Rico

New York

Wachovia Corporation

Winston-Salem, North Carolina

Richmond

Wakulla Bancorp

Crawford, Florida

Atlanta

Warwick Community Bancorp, Inc.

Warwick, New York

New York

Washington Commercial Bancorp

Redmond, Washington

San Francisco

Wells Fargo & Company

San Francisco, California

San Francisco

West Alabama Capital Corp.

Reform, Alabama

Atlanta

West Milton Bancorp, Inc.

West Milton, Pennsylvania

Philadelphia

West Plains Bancshares, Inc.

West Plains, Missouri

St. Louis

West Point Bancorp, Inc.

West Point, Nebraska

Kansas City

West Texas Bancshares, Inc.

Kermit, Texas

Dallas

Westborough Bancorp, M.H.C.

Westborough, Massachusetts

Boston

Wheatland Bankshares, Inc.

Wheatland, Wyoming

Kansas City

Whitewater Bancorp, Inc.

Whitewater, Wisconsin

Chicago

Whitman Bancorporation, Inc.

Colfax, Washington

San Francisco

Wichita Falls Bancshares, Inc.

Wichita Falls, Texas

Dallas

Wilcox Bancshares, Inc.

Grand Rapids, Minnesota

Minneapolis

Williston Holding Company

Williston, Florida

Atlanta

Wilmington Trust Corporation

Wilmington, Delaware

Philadelphia

WJR Corp.

Rancho Santa Fe, California

San Francisco

Woodforest Bancshares, Inc.

The Woodlands, Texas

Dallas

Wyoming National Bancorporation, Inc.

Riverton, Wyoming

Kansas City

Yardville National Bancorp

Hamilton, New Jersey

Philadelphia

Young Americans Education Foundation

Denver, Colorado

Kansas City

Zions Bancorporation

Salt Lake City, Utah

San Francisco