STATE OF ILLINOIS OFFICE OF BANKS AND REAL ESTATE BUREAU OF BANKS AND TRUST COMPANIES REGULATORY REPORT

George H. Ryan - Governor William A. Darr - Commissioner Scott D. Clarke - Assistant Commissioner

REGULATORY REPORT FOR THE MONTH OF NOVEMBER, 1999

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.obre.state.il.us.

Questions concerning the contents of this report may be addressed to the Corporate Activities Section at (312) 793-7073.

APPLICATION FOR CERTIFICATE OF AUTHORITY TO ACCEPT AND EXECUTE TRUSTS - STATE BANK Name of Address/ Date/ Institution County Status First Nations Bank of Wheaton 7757 W. Devon Avenue 11/05/99-Effective Chicago, IL 60631 Cook NAB Bank 222 West Cermak Road 11/16/99-Received Chicago, IL 60616-1997

APPLICATION FOR LICENSE TO OPERATE A FOREIGN BANK REPRESENTATIVE OFFICE Name of Institution/ Country / State Date/ Address / County Of Domicile Status Nara Bank, N.A. California 11/10/99-Effective 5901 N. Cicero Avenue Suite 508 Chicago, IL 60646 American Investment Financial Utah 11/16/99-Effective C/o McBride, Baker & Colts 500 W. Madison Street 40th Floor Chicago, IL 60661 APPLICATION TO ESTABLISH A CORPORATE FIDUCIARY BRANCH Establishing Date/ Address Corporate Fiduciary Status Guaranty Trust Company 13300 Route 47 11/30/99-Received (Chicago) Huntley, IL 60142

APPLICATION TO PURCHASE TREASURY STOCK Date/ Name of Bank Address/County Status The State Bank of Allerton N. W. Corner of Vermilion & 11/03/99-Approved Main Street Allerton, IL 61810 Vermilion Re: Purchase two shares of stock. The State Bank of Allerton N.W. Corner of Vermilion & 11/08/99-Received Main Street Allerton, IL 61810 Vermilion Re: Purchase and retire 20 shares of stock. Bank of Calhoun County Corner of Park and Main Streets 11/12/99-Approved Hardin, IL 62047 Calhoun

Re: Purchase and hold as treasury stock 1,639 shares of stock. Municipal Trust and Savings 475 municipal Center Drive 11/24/99-Received Bank Bourbonnaise, IL 60914 Kankakee

APPROVAL TO MEET LESS THAN 12 BOARD MEETINGS PER YEAR Name Address/ Date/ Of Bank County Status Manufacturers Bank 1200 North Ashland Avenue 11/08/99-Received Chicago, IL 60622 Cook Re: Reduce monthly (12) board meetings to 8 regular board meetings. Schuyler State Bank 100-108 North Congress Street 11/29/99-Received Rushville, IL 62681-0070 Schuyler

CHANGE IN DIRECTORS OR SENIOR EXECUTIVE OFFICERS Name of Bank/ Date/ Change Address / County Status Sauk Valley Bank & Trust Dirk J. Meminger, Senior 11/01/99-Approved Company Executive officer West Third Street and Avenue B Sterling, IL 61801 Whiteside

CHANGE IN OWNERSHIP - INTERIM BANK Name of Bank/ Date/ Change Address / County Status Farmers State Bank of Camp Form Farmers Interim Bank. 11/19/99-Effective Point Farmers State Bank of Camp 206 E. Wood Street Point to merge with and into Camp Point, IL 62320 Farmers Interim Bank with the Adams resulting name Farmers State Bank of Camp Point. Anna State Bank Form ASB Interim Bank to 11/22/99-Received 100 East Vienna Street merge with and into Anna State Anna, IL 62906 Bank. Union Cambridge Bank Form Interim Bank to be known 11/30/99-Effective 1100 South Rand Road as Republic Bank of Lake Lake Zurich, IL 60047 Zurich. Merge Cambridge Bank with and into Republic Bank of Lake Zurich with resulting name of Cambridge Bank.

CHANGE OF CONTROL - ILLINOIS CORPORATE FIDUCIARY Name/Address of Proposed Name of Fiduciary Name/Address of Seller Acquirer (s) Agricultural Services Trust NC Illinois Trust Company Soy Capital Bank and Trust Company 301 S. W. Adams Street Company 1 Dearborn Square Peoria, IL 61602 1501 E. Eldorado Kankakee, IL 60901 Decatur, IL 62521

11/22/99-Received

Application in conjunction with application by Agricultural Services Trust Company, Kankakee, Illinois, for a Certificate of Authority to Accept and Execute Trusts as an Illinois state-chartered trust company.

CHANGE OF NAME - STATE BANK Current Name/ Resulting Date/ Address / County Name Status Bank of Bellwood Greater Chicago Bank 11/01/99-Effective 219 S. Manheim Road Bellwood, IL 60104 Cook Farmers State Bank of Buffalo Town & Country Bank 11/10/99-Acknowledged Buffalo Road 12/01/99-Effective Buffalo, IL 62515 Sangamon Oak Trust and Savings Bank Oak Bank 11/24/99-Received 1000 N. Rush Street Chicago, IL 60611-0081 Cook

CONVERSION - RESULTING STATE BANK Current Bank Name/ Address/ Date/ Resulting Bank Name County Status Current: The First National 7757 West Devon 11/05/99-Effective Bank of Wheaton Chicago, IL 60631 Cook Resulting: First Nations Bank of Wheaton Current:

Resulting:

MERGER - RESULTING STATE BANK Merging Bank/ Resulting Bank/ Date/ Address / County Address / County Status Johnson Bank Illinois The PrivateBank and Trust 11/03/99-Received 920 South Waukegan Road Company Lake Forest, IL 60045 10 N. Dearborn Lake Chicago, IL 60602 Cook

NOTICE OF INTENT TO ESTABLISH A BANK BRANCH Name of Bank/ Address/ Date/ City County Status Community State Bank of Rock 17th Street at the Corner of 11/01/99-Received Falls, Illinois Illinois Route 84 & Route 136 (Rock Falls) Fulton, IL 61252 Whiteside Parkway Bank and Trust 1400 West Algonquin Road 11/02/99-Received Company Arlington Heights, IL 60004 (Harwood Heights) Cook Oak Brook Bank 33 W. Huron Street 11/03/99-Received (Oak Brook) Chicago, IL 60610 Cook CIB Bank 20527 South LaGrange Road 11/03/99-Acknowledged (Hillside) Unit L Frankfort, IL 60423 Will The Bank of Edwardsville 1401 Broadway 11/08/99-Acknowledged (Edwardsville) Highland, IL 62249 Madison Harris Trust and Savings Bank 1242 N. Ashland Avenue 11/09/99-Acknowledged (Chicago) Chicago, IL 60622 Cook Mercantile Trust & Savings 5301 Broadway 11/12/99-Acknowledged Bank Quincy, IL 62301 (Quincy) Adams First Collinsville Bank 2729 Maryville Road 11/12/99-Acknowledged (Collinsville) Maryville, IL 62062 Madison Heartland Bank and Trust 1701 East Empire Street 11/24/99-Acknowledged Company Bloomington, IL 61704 (Bloomington) McLean Effingham State Bank 318 W. College 11/26/99-Received (Effingham) Greenville, IL 62246 Bond Farmers State Bank of Buffalo 1645 State Highway 121 11/28/99-Received (Buffalo) Mt. Zion, IL 62549 Macon

NOTICE OF INTENT TO ESTABLISH A BANK SUBSIDIARY Name of Bank/ Name of Subsidiary/ Date/ Address / County Address / County Status Oak Brook Bank Oak Brook Bank (Subsidiary 11/03/99-Received 1400 Sixteenth Street Corporation to conduct real Oak Brook, IL 60521 estate investment activities) DuPage 1400 Sixteenth Street Oak Brook, IL 60521 DuPage Bank of Homewood Great Lakes Insurance 11/10/99-Received 2034 Ridge Road Services, L.L.C. Homewood, IL 60430 11346 Cicero Avenue Cook Alsip, IL 60803 Cook First State Bank Tri-County Insurance Services, 11/16/99-Received 706 Washington Street Inc. Mendota, IL 61342 706 Washington Street LaSalle Mendota, IL 61342 LaSalle

PERMIT TO ORGANIZE Name of Institution/ Date/ Organizers Address / County Status The Leaders Bank Gordon W. Fitzsimmons 11/29/99-Permit Issued 2001 York Road Bruce E. Huey Oak Brook, IL 60523 Patrick J. Kelly DuPage James E. Lynch Stephen M. Schuster Country Bank J. Victor DeBlock 11/29/99-Permit Issued 13th Avenue SE & 4th Street SE Dana L. Frye Aledo, IL 61231 Donald L. Johnson Mercer Edward L. Long George E. Mugford Dwight E. Reynolds Richard H. Stone American Community Bank & Frank Gluth 11/29/99-Permit Issued Trust William L. Hansen 1060 Lake Avenue Andrew T. Hartlieb Woodstock, IL 60098 Ann S. Hughes McHenry James M. Kiss John I. Lillie Richard L. O’Connell Steven M. Rochell Charles W. Ruth John J. Smith Mitchell R. Weisz Charlie A. Zanck