BANKS/THRIFTS/CREDIT UNIONS

Effective November 30, 2002

American National Bancshares, Inc., Ruston, Louisiana, merged with and into Horizons Bancorp., Inc., Monroe, Louisiana, with the Title:  American Horizons Bancorp, Inc., and immediately thereafter, merged American Bank, National Association, Ruston, Lincoln Parish, Louisiana, with and into Horizons Bank, Monroe, Ouachita Parish, Louisiana, under the Charter of Horizons Bank and with the Title:  American Horizons Bank, domiciled in Monroe, Louisiana, and established the existing offices of American Bank, National Association as branches of American Horizons Bank.

Filed December 19, 2002

Application by Hancock Bank of Louisiana, Baton Rouge, East Baton Rouge Parish, Louisiana, for consent to purchase certain assets and assume the liability to pay deposits in the Kenner and Metairie Louisiana offices of Dryades Savings Bank, FSB, New Orleans, Orleans Parish, Louisiana.


BRANCHES

Effective November 22, 2002

Iberville Trust & Savings Bank, Plaquemine, Iberville Parish, LA, closed its LABADIEVILLE BRANCH located at 2585 Highway 1 South, Labadieville, Assumption Parish, LA, 70372.

Filed December 2, 2002; Approved December 30, 2002

ARCADIA BRANCH proposed by Sabine State Bank and Trust Company, Many, Sabine Parish, LA, to be located at 1801 Hazel Street, Arcadia, Bienville Parish, LA, 71001.

Approved December 3, 2002

HUEY P. LONG BRANCH proposed by Omni Bank, Metairie, Jefferson Parish, LA, to be located at 201 Huey P. Long Avenue, Gretna, Jefferson Parish, LA, 70053.

Filed December 9, 2002; Approved December 30, 2002

PINEVILLE OFFICE proposed by Southern Heritage Bank, Jonesville, Catahoula Parish, LA, to be located at 3596 Highway 28 East, Pineville, Rapides Parish, LA, 71361.


Filed December 10, 2002; Approved December 30, 2002

CENTER BRANCH proposed by Sabine State Bank and Trust Company, Many, Sabine Parish, LA, to be located at 205 Hurst Street, Center, Shelby County, TX, 75935.


ELECTRONIC FINANCIAL TERMINALS (EFTs)

Withdrawn December 2, 2002

“PB 24” machine proposed by Progressive Bank, Winnsboro, Franklin Parish, LA, to be located at 2238 Jonesboro Highway within Grady’s U-Pak-It convenience store, West Monroe, Ouachita Parish, LA, 71292.

Withdrawn December 2, 2002

“PB 24” machine proposed by Progressive Bank, Winnsboro, Franklin Parish, LA, to be located at 1006 Cooktown Road within Tech Drive U-Pak-It convenience store, Ruston, Lincoln Parish, LA, 71270.

Filed/Approved December 5, 2002

“REDICASH” machine proposed by Cameron State Bank, Lake Charles, Calcasieu Parish, LA, to be located at 1900 Gauthier Road within a hospital complex, Lake Charles, Calcasieu Parish, LA, 70605.

Effective December 9, 2002

Cameron State Bank, Lake Charles, Calcasieu Parish, LA, closed its “REDICASH” machine located at 2901 I-10 Frontage Road, Port Allen, West Baton Rouge Parish, LA, 70767.

Filed/Approved December 18, 2002

“CAJUN CASH” (2) machines proposed by Farmers-Merchants Bank & Trust Company, Breaux Bridge, St. Martin Parish, LA, to be located at 2904 Grand Point Highway within Bayou Belle Truck Stop, Henderson, St. Martin Parish, LA, 70517.

Filed/Approved December 20, 2002

“DOWNTOWN ATM” machine proposed by The Cottonport Bank, Cottonport, Avoyelles Parish, LA, to be located at 208 East Main Street within New Roads Community Center, New Roads, Pointe Coupee Parish, LA, 70760.

Filed/Approved December 31, 2002

“CALVARY BAPTIST CHURCH EFT” machine proposed by Red River Bank, Alexandria, Rapides Parish, LA, to be located at 5011 Jackson Street within Calvary Baptist Church, Alexandria, Rapides Parish, LA, 71301.


CHANGES OF LOCATION/CONSOLIDATIONS


Effective October 8, 2002

Iberville Trust & Savings Bank, Plaquemine, Iberville Parish, LA, relocated its DENHAM SPRINGS BRANCH from 923 South Range Avenue to 1441 South Range Avenue, both locations within Denham Springs, Livingston Parish, LA, 70726.

Filed December 9, 2002; Approved December 30, 2002

Sabine State Bank and Trust Company, Many, Sabine Parish, LA, proposes to relocate its WINNFIELD BRANCH from 203 South Bevill Street to 5917 Highway 167 (a distance of 1.74 miles), both locations within Winnfield, Winn Parish, LA, 71483.

Filed December 19, 2002

The Bank, Jennings, Jefferson Davis Parish, LA, proposes to consolidate the JENNINGS BRANCH located at 302 North Cutting Avenue, with the MAIN OFFICE located at 314 North Main Street, and to concurrently relocate the MAIN OFFICE from 314 North Main Street to the NORTH CUTTING MOTOR BRANCH located at 1304 North Cutting Avenue (a distance of approximately ¾ of a mile Northeast), all locations within, Jennings, Jefferson Davis Parish, LA, 70546.


LOAN OR TRUST PRODUCTION OFFICES


Effective October 15, 2002

The Cottonport Bank, Cottonport, Avoyelles Parish, LA, closed its ALEXANDRIA LOAN PRODUCTION OFFICE located at 4117 Parliament Drive, Alexandria, Rapides Parish, LA, 71303.

Approved December 5, 2002; Effective December 16, 2002

Central Progressive Bank, Hammond, Tangipahoa Parish, LA, opened its I-12 SERVICE ROAD LOAN PRODUCTION OFFICE located at 18300 South I-12 Service Road, Ponchatoula, Tangipahoa Parish, LA, 70454.


SUBSIDIARIES


Effective November 14, 2002

Red River Bank, Alexandria, Rapides Parish, LA, established a subsidiary, RIVERMARK PROPERTIES, L.L.C., located at 1412 Centre Court Drive, Alexandria, Rapides Parish, LA, 71301.

Approved December 2, 2002

FIRST AMERICAN INVESTMENTS & FINANCIAL SERVICES, LLC, a proposed subsidiary to be established by First American Bank and Trust, Vacherie, St. James Parish, LA, to be located at 13919 River Road, Luling, St. Charles Parish, LA, 70070.

Filed December 19, 2002

CBT, L.L.C., a proposed subsidiary to be established by Citizens Bank & Trust Company, Covington, St. Tammany Parish, LA, to be located at 222 North New Hampshire Street, Covington, St. Tammany Parish, LA, 70433.


Any questions should be directed to Pam Skelton at (225) 925-4661.