STATE OF OFFICE OF BANKS AND REAL ESTATE BUREAU OF BANKS AND TRUST COMPANIES

REGULATORY REPORT

Jim Edgar - Governor Jack Schaffer - Commissioner Scott D. Clarke - Assistant Commissioner

REGULATORY REPORT - FOR THE MONTH OF FEBRUARY 1998

The following regulatory actions were taken by or filed with the State of Illinois, Office of Banks and Real Estate, Bureau of Banks and Trust Companies, during the month ending with the date listed above. The actions include those involving state chartered banks, foreign banking offices, corporate fiduciaries, and foreign bank representative offices.

The Regulatory Report is published monthly by the State of Illinois, Office of Banks and Real Estate, Bureau of Banks and Trust Companies. Copies of this report are also available from our web site at www.state.il.us/obr.

Questions concerning the contents of this report may be addressed to the Corporate Activities Section at (312) 793-7093.

NOTICE OF INTENT TO ESTABLISH A BANK BRANCH Name of Bank/ Address/ Date/Status City County BankIllinois 410 North Broadway 02/04/98-Acknowledged Champaign Urbana, IL 61801 Champaign North Shore Community 635 Vernon Avenue 02/06/98-Acknowledged Bank & Trust Company Glencoe, IL 60022 Wilmette Cook First Bank and Trust 100 E. Walton 02/09/98-Acknowledged Company of Illinois , IL 60611 Palatine Cook Mazon State Bank 130 Washington Street 02/18/98-Acknowledged Mazon Braidwood, IL 60408 Will CIB Bank 299 North York Road 02/20/98-Received Hillside Elmhurst, IL 60126 DuPage Central Illinois Bank 501 South Century Boulevard 02/20/98-Received Champaign Rantoul, IL 61866 Champaign Raritan State Bank 803-805 N. Monroe Street 02/23/98-Acknowledged Raritan Abingdon, IL 61410 Knox South Pointe Bank 2929 Broadway, Suite D 02/26/98-Acknowledged Marion Mt. Vernon, IL 62864 Jefferson The 2550 Waukegan Road 02/26/98-Received Company Glenview, IL 60025 Chicago Cook Community Bank of 106 Schiller Street 02/27/98-Received Elmhurst Elmhurst, IL 60126 Elmhurst DuPage The Northern Trust 4 North Washington Street 02/27/98-Received Company Hinsdale, IL 60521 Chicago DuPage NOTICE OF INTENT TO ESTABLISH A BANK SUBSIDIARY Name of Bank/ Subsidiary/ Date/ Address Address Status Banterra Bank Group Banterra Services, 02/06/98-Acknowledged U.S. Route 45 South Inc. Eldorado, IL 62930 1312 Jackson Street Saline Eldorado, IL 62930 Saline CHANGE IN CORPORATE NAME (Old Name) Address/ Date/ Name Changed To County Status (Biltmore ) 920 South Waukegan Road 2/6/98-Effective Johnson Bank Illinois Lake Forest, IL 60045 Lake CHANGE OF LOCATION Name of Bank/ New Date/ Address/ County Address Status Warren-Boynton State Bank 702 West Illinois Street 02/23/98-Effective 100 E. Illinois Street New Berlin, IL 62670 Box 19 Sangamon New Berlin, IL 62670 Sangamon CHANGE OF CONTROL Name Address/ Date/ of Bank County Status Peoples State Bank 105 South Adams 02/09/98-Received Manito, IL 61546 William Frederick Mason Heinhorst to acquire control of Peoples State Bank.

Bank of Illinois in Mt. 1101 Broadway 02/11/98-Approved Vernon Mt. Vernon, IL 62864-3833 National City Bancshares, Jefferson Inc., Evansville, to acquire indirectly 100% of the common stock of Bank of Illinois in Mt. Vernon. Heritage Bank 12015 South Western Avenue 02/17/98-Received Blue Island IL 60406 , Inc., Cook Itasca, Illinois to acquire Heritage Bank. CHANGE IN AUTHORIZED CAPITAL STOCK Name Address/ Date/ of Bank County Status Harris Trust and Savings 111 W. Monroe Street 02/06/98-Effective Bank Box 755 Chicago, IL 60690 Provide for Authorized & Cook Preferred Stock. Palos Bank and Trust 12600 S. Harlem Avenue 02/23/98-Received Company Palos Heights, IL 60463 Reverse Stock Split. Cook PERMIT TO ORGANIZE ISSUED Name of Bank/ Organizer(s) Date/Status Address / County First Trust Bank of Illinois Walter J. Charlton 02/06/98-Received 1200 N. Kennedy Drive Joseph S. Feth Kankakee, IL 60901 Joseph W. Franco Kankakee Robert L. Hoekstra Wayne M. Hove Timothy L. Lee R. Jeffery Smith Steven L. Smith Hugh E. Van Voorst The Bank of Lawrence George J. Abel 02/18/98-Permit Issued County George H. Baldwin, Jr. 100 East State Street Sara E. Brian Bridgeport, IL 62417 Edward L. Edmondson Lawrence Kimberly A. Gray Frank S. Ladner MERGER - RESULTING NATIONAL BANK Merging Bank(s)/ Resulting Effective Address / County Bank Address Date LaSalle Bank NI LaSalle National Bank 02/02/98 3201 N. Ashland Avenue 135 South LaSalle Street Chicago, IL 60657 Chicago, IL 60603 Cook Cook McHenry State Bank First Midwest Bank, National 02/23/98 3510 West Elm Street Association McHenry, IL 60050 506 - 15th Street McHenry Moline, IL 61265-2159 Rock Island CHANGE IN LEGAL NUMBER OF DIRECTORS

Name Address/ Approved/ of Bank County Effective American Metro Bank 4878 North Broadway 02/18/98-Received Chicago, IL 60640 Yman H. Vien - Cashier, Cook Chief Financial Officer & Chief Operating Officer. TRUST CERTIFICATE OF AUTHORITY SURRENDERED - STATE BANK Name Address/ Date/ of Bank County Status Bank of Maroa 101 E. Main Street 02/10/98-Effective Maroa, IL 61756-0350 Macon South Central Bank and 555 West Roosevelt Road 02/09/98-Effective Trust Chicago, IL 60607-4991 Company Cook McHenry State Bank 3510 West Elm Street 02/23/98-Effective McHenry, IL 60050 McHenry CERTIFICATE OF AUTHORITY SURRENDERED - TRUST COMPANY Name Address/ Date/ of Institution County Status Boatmen's Trust Company 23 Public Square 02/18/98-Effective of Belleville, IL 62222 Illinois St. Clair APPLICATION FOR CERTIFICATE OF AUTHORITY TO ACCEPT AND EXECUTE TRUSTS - TRUST COMPANY Name Address/ Date/ of Institution County Status North Star Trust Company 2300 West Lawrence Avenue 02/10/98-Effective Chicago, IL 60625 Cook Marine Trust and 333 North Quadrangle Drive 02/10/98-Effective Investment Company Bolingbrook, IL 60440 DuPage APPLICATION FOR CERTIFICATE OF AUTHORITY TO ACCEPT AND EXECUTE TRUSTS - STATE BANK Name Address/ Date/ of Institution County Status Royal American Bank 1604 Colonial Parkway 2/3/98-Received Inverness, IL 60067-4725 Cook CHANGE OF NAME / LOCATION - FOREIGN BANK REPRESENTATIVE OFFICE Current Name/ New Name/ Date/ Address / County Address Status Mark Twain Bank Mercantile Bank National 02/04/98-Effective 200 West Madison Street Association Suite 410 200 West Madison Street Chicago, IL 60606 Suite 410 Chicago, IL 60606 The Provident Bank The Provident Bank 02/09/98-Effective 8119 Brushwood Lane 5 South 670 Heather Court Tinley Park, IL 60477 Naperville, IL 60540 APPLICATION FOR LICENSE TO OPERATE A FOREIGN BANK REPRESENTATIVE OFFICE Name of Bank/ County/ Date/ Address State of Domicile Status Silicon California 02/20/98-Effective Northwest Plaza 9701 W. Higgins Road Suite 150 Chicago, IL 60018 CHANGE IN OWNERSHIP - ILLINOIS CORPORATE FIDUCIARY Name of Institution/Address Previous Ownership New Ownership First of America Trust First of America Bank *National City Company Corporation Corporation 301 S.W. Adams Street 211 South Rose Street 1900 E. Ninth Street Peoria, IL 61631 Kalamazoo, MI 49007 Cleveland, Ohio 44114

*Approved -2/10/98 Heritage Trust Company Heritage , *First Midwest Bancorp, 17500 South Oak Park Inc. Inc. Avenue 17500 South Oak Park Avenue 300 Park Blvd., Suite 405 Tinley Park, IL 60477 Tinley Park, IL 60477 Itasca, IL 60143

*Received - 2/17/98

VOLUNTARY SURRENDER - FOREIGN BANK REPRESENTATIVE OFFICE LICENSE Name of Bank/ State of Domicile Date/Status Address The Toronto-Dominion Canada 02/20/98-Effective Bank 70 West Madison 19th Floor Chicago, IL 60602 CHANGE IN FORM OF OWNERSHIP - INTERIM BANK Name of Bank Address/County Date/Status Midland Community Bank 112 Market Street 02/26/98-Effective P.O. Box 380 Kincaid, IL 62540 Christian