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http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  EIGHTY-FIFTH ANNUAL  REPORT OF  THE  BANK COMMISSIONER  JUNE 30, 1999   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  STATE OF ARKANSAS OFFICE OF STATE BANK DEPARTMENT June 30, 1999 Honorable Mike Huckabee G overnor of Arkansas Little Rock, A rkansas G overnor Huckabee: I am pleased to subm it to you the Eighty-Fifth Annual Report of the Bank Com m issioner of Arkansas, pursuant to the provisions o f Act 89 of 1997. The Report contains financial and statistical data compiled from Reports o f Condition and Income and other regulatory reports subm itted to this office for the fiscal year ending June 30, 1999. The financial services industry continues to undergo change. A rkansas state chartered banks and trust com panies continue to successfully meet the challenges of change and offer excellent financial services to the public. The State Bank D epartm ent m aintains a S trategic Plan, which the D epartm ent’s em ployees develop on an annual basis. The mission of the State Bank Departm ent is to allocate available human and other resources existing in our Exam ination, Inform ation Technology and A dm inistrative Services Divisions to ensure the continuance o f safe and sound financial practices in state chartered financial institutions. W e thank you fo r the support you and your staff provide and assure you of our continuing efforts to maintain the highest level of professionalism in the perform ance of our responsibilities. Cordially,  Frank W hite Bank C om m issioner   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  TABLE OF CONTENTS Legal Holidays............................................................................................................................. 2 Commissioners of The Bank Department.................................................................................. 3 State Banking Board...................................................................................................................4 Departmental Roster...................................................................................................................5 State Chartered Banks’ Corporate Name Changes..................................................................9 State Chartered Banks Merged..................................................................................................9 Charters Approved.................................................................................................................... 11 Charter Conversions.................................................................................................................11 New Branches Approved ......................................................................................................... 12 Fiscal Report of The Bank Department................................................................................... 15 Federal Supervisory Agencies..................................................................................................16 Trade Associations....................................................................................................................21 Consolidated Report of Condition of State Chartered Banks.......................................................................................................23 Consolidated Statement of State Chartered Trust Departments...................................................................................... 24 Consolidated Report of Condition of National Banks....................................................................................................................... 25 Tier One Leverage Ratios For All Arkansas Commercial Banks.................................................................................................26 National Banks.......................................................................................................................... 31 Report of State Chartered Commercial Banks........................................................................ 34 Report of State Chartered Non Profit Organization............................................................... 110 Report of State Chartered Trust Companies......................................................................... 112 Report of Regional/County Industrial Development Corporations........................................114 Commercial Banks Listed by County..................................................................................... 118 Map of Arkansas Counties...................................................................................................... 124 Arkansas Bank Holding Companies.......................................................................................126 Out of State Bank Holding Companies.................................................................................. 164 Abbreviations........................................................................................................................... 165   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  2  Arkansas State Bank Department  LEGAL HOLIDAYS  New Year's Day..........................................................................................January 1  Robert E. Lee's Birthday................................................... Third Monday in January  Martin Luther King, Jr. Day............................................... Third Monday in January  Presidents Day.................................................................Third Monday in February  Memorial Day.  Last Monday in May  Independence Day...........................................................................................July 4  Labor Day.......................................................................First Monday in September  Veterans D ay.......................................................................................November 11  Thanksgiving D ay.................................................... Fourth Thursday in November  Christmas Eve......................................................................................December 24  Christmas D ay.....................................................................................December 25  All Bills of Exchange, Drafts, or Promissory Notes, which shall become payable on a legal holiday shall be payable on the day next succeeding such holiday. In case any legal holiday falls on Sunday, the next succeeding Monday shall be a holiday in its stead.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  3  COMMISSIONERS OF THE ARKANSAS STATE BANK DEPARTMENT No.  Name  Date of Appointment  Date Service Ended  1.  John M. Davis............................................................. October 6, 1913  October 3, 1918  2.  A. J. Reap ......................................................................... October 3, 1918  March 22, 1919  3.  W. T. Maxwell................. .............March 22, 1919  September 1, 1921  4.  Charles McKee............... .......September 1, 1921  July 28, 1925  5.  Loid Rainwater................ ................July 28, 1925  February 8, 1927  6.  Walter E. Taylor.............. ...........February 8, 1927  January 10, 1933  7.  Marion Wasson.............. .......... January 10, 1933  January 12, 1937  8.  Grover S. Jernigan......... ..........January 12, 1937  January 14, 1941  9.  Thomas W. Leggett................  January 14, 1941  February 1, 1949  10.  S. J. Dean ............................................... .................... February 1, 1949  11.  Ed  12.  A. R. Merritt........................................... .........................March 14, 1953  February 8, 1955  13.  Dick Simpson ................................... .................... February 8, 1955  March 2, 1967  14.  H. C. Adams ....................................... .............................. March 3, 1967  March 16, 1979  15.  Don R. Clark (Acting) .......... ........................ March 16, 1979  April 19, 1979  16.  B. J. Lambert, Jr............................ .............................. April 19, 1979  April 15, 1983  17.  Marlin D. Jackson ...................... ............... April 15, 1983  October 1, 1987  18.  Bill J. Ford....................... ............October 1, 1987  July 31, 1998  19.  Frank White.................... ............. August 1, 1998  I.  ....................  McKinley, Jr ......................... ............ December 31, 1949   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  December 31 , 1949 March 14, 1953  4  Arkansas State Bank Department  STATE BANKING BOARD MEMBERS  Mr. Bob Willett, Chairman Smackover State Bank P. O. Drawer 107 708 North Broadway Smackover, AR 71762 VOICE: (870)725-3051 FAX: (870)725-3049 TERM EXPIRES: 12-31-1999  Mr. Lindley V. Smith, Jr. Vice Chairman Bank of Tuckerman P. O. Box 1000 106 East Main Tuckerman, AR 72473 VOICE: (870) 349-5155 FAX: (870) 349-5170 TERM EXPIRES: 12-31-2000  Ms. Phyllis Kincannon 200 Bay Pointe Cove, A101 Maumelle, AR 72113 VOICE: (501) 851-1722 TERM EXPIRES: 12-31-2001  James C. Glenn Mcllroy Bank & Trust P. O. Box 1327 One Mcllroy Plaza Fayetteville, AR 72702-1327 VOICE: (501) 575-1000 FAX: (501) 575-1061 TERM EXPIRES: 12-31-2002  Ms. Vicki Rampley P. O. Box 1717 516 West Johnson 72401 Jonesboro, AR 72403 VOICE: (870)932-4564 TERM EXPIRES: 12-31-2003  Mr. Bob Douglas 2507 East 9th Texarkana, AR 71854 VOICE (870) 773-3633 TERM EXPIRES: 12-31-2003   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  Arkansas State Bank Department 323 Center Street, Catlett-Prien Building, Suite 500 Little Rock, AR 72201-2663 VOICE: (501)324-9019 FAX: (501)324-9028 www.state ar.us./bank  DEPARTMENTAL ROSTER Frank White - Bank Commissioner Don R. Clark - Deputy Bank Commissioner Examination and Regulation Regulatory Enforcement Actions Consumer Complaints State Banking Board Economic Development  Candace A. Franks - Deputy Bank Commissioner/Legal Counsel Administration Application Information Rules and Regulations Manual Charter Amendments and Charter Information Certificates of Good Standing Legal Filings and Inquiries  EXAMINATION AND SUPERVISION Luther Guinn and Julian E. Rainey - Chief Examiners Regulatory Examinations/Regulatory and Banking Procedures Bank Performance Evaluation and Monitoring Division Personnel/Recruitment and Management  Larry M. Hillyard - Assistant Chief Examiner Richard D. Buzbee - Regional Supervisor (Little Rock) Yvonne Chou - Information Systems Supervisor John A. Long - Regional Supervisor (Fayetteville)  H. Wilks Marshall - Assistant Chief Examiner Carolyn J. Bearden - Bank Holding Company Supervisor Baker L. Moseley - Regional Supervisor (Jonesboro) Thomas M. Narrell - Trust/Compliance Supervisor  Jacqueline Williams - Financial Analyst Supervisor Jim S. Gowen, Jr. - Financial Analyst Richard Plotkin - Financial Analyst Self Examination Bank Reports of Condition and Income Bank Holding Company Reports of Condition and Income Research and Financial Analysis Public Information Requests Application Analysis   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  5  Arkansas State Bank Department  6  Janet Griebel - Director of Training Training/Orientation/Education Administrative Support Quality Management  INFORMATION TECHNOLOGY Robert L. Hughes - Director Mitch L. Vire - Systems Programmer Greg F. Langley - Systems Programmer Data Processing Support Research and Development Application Programming  ADMINISTRATIVE SERVICES Gail Green - Fiscal Manager Jacklyn B. Grobmyer - Accountant Vicki A. Wise - Accountant Accounting and Employee Services Expense Disbursement Budget and Personnel  Performance Evaluation  Cynthia L. Nixon - Management Project Analyst Supervisor Brenda L. Strachan - Management Project Analyst Jane R. English - Administrative Assistant II Lori A. Farr - Administrative Assistant II Barbara A. Mahoney - Administrative Assistant II Martha A. Harris - Administrative Assistant I Marilyn R. Myers - Administrative Assistant I Administrative Support Examination Support and Processing Data Entry   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  EXAMINATION PERSONNEL FAYETTEVILLE OFFICE 2013 Green Acres Road 72703-2618 P. O. Box 3447 72702-3447 VOICE: (501)442-0936 FAX: (501)442-0717  l a\ enevillc c'/ bankinp-suilc.ar.us John A. Long - Regional Supervisor Luke B. Webre - Commissioned Senior Examiner Marivel Tounzen - Commissioned Senior Examiner Paula K. Wilson - Commissioned Senior Examiner Todd D. Smith - Commissioned Senior Examiner Kenneth Leavell - Bank Senior Examiner Cassidy Hurst - Financial Examiner II Kelly Shewmaker - Financial Examiner Trainee Steven Sosebee - Financial Examiner Trainee  JONESBORO OFFICE 924 South Main 72401-3597 P. O. Box 9374 72403-9374 VOICE: (870)972-1744 FAX: (870) 972-1762  Jonesboro a bunking.slate.arus Baker L. Moseley - Regional Supervisor William R. Milum - Bank Senior Examiner Gary W. Bush - Commissioned Senior Examiner Stanley C. Staton - Commissioned Senior Examiner Roy D. Jackson - Commissioned Senior Examiner Terry R. Dickson - Bank Senior Examiner Susannah Barker - Bank Senior Examiner Misty Micenhamer- Financial Examiner II John Householder - Financial Examiner II Thomas J. Anderson - Financial Examiner Trainee   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Arkansas State Bank Department  LITTLE ROCK OFFICE Richard D. Buzbee - Regional Supervisor Jerry C. Corrothers - Commissioned Senior Examiner M. Gregg Qualls - Commissioned Senior Examiner Robert M. Henry - Commissioned Senior Examiner John W. Ashby - Commissioned Senior Examiner Ronnie M. Peters - Bank Senior Examiner Jeffrey Cameron - Financial Examiner II Jarrod W. Yarnell - Financial Examiner Trainee John W. Alderson - Financial Examiner Trainee Kelvin T. Marshall - Financial Examiner Trainee  BANK HOLDING COMPANY Carolyn J. Bearden - BHC Supervisor Mary C. Pennebaker- Commissioned Senior Examiner  TRUST/COMPLIANCE Thomas M. Narrell -Trust/Compliance Supervisor Michael G. Saunders - Commissioned Senior Examiner Stacey D. Walter - Bank Senior Examiner Jason E. Willard - Bank Senior Examiner Micheal W. Dickson - Financial Examiner I Christy R. Fowler - Financial Examiner I  INFORMATION SYSTEMS Yvonne Chou - IS Supervisor Robert H. Carr, III - Senior IS Examiner  Eighty-Fifth Report  STATE CHARTERED BANKS' CORPORATE NAME CHANGES FROM JULY 1, 1998, TO JUNE 30, 1999 BANK  NEW NAME  First Community Bank of Batesvilie, Batesville  First Community Bank, Batesville  Bank of Cabot, Cabot  Community Bank, Cabot  First Community Bank of S.E. Arkansas, Dermott  First Service Bank, Greenbrier  Bank of Holly Grove, Holly Grove  First State Bank, Conway  Bank of the Ozarks, nwa, Jasper  Bank of the Ozarks, Little Rock  The Bank of Montgomery County, Mount Ida  First Bank of Montgomery County, Mount Ida  Planters & Stockmen Bank, Pocahontas  First Community Bank, Pocahontas  STATE CHARTERED BANKS MERGED FROM JULY 1, 1998, TO JUNE 30, 1999 BANK  MERGED INTO  Citizens First Bank, Arkadelphia  Regions Bank, Birmingham, Alabama  Benton State Bank, Benton  Regions Bank, Birmingham, Alabama  American State Bank, Charleston  Simmons First National Bank, Pine Bluff  Arkansas State Bank, Clarksville  Regions Bank, Birmingham, Alabama  Clinton State Bank, Clinton  Regions Bank, Birmingham, Alabama  Farmers & Merchants Bank, Des Arc  Union Planters Bank, National Association, Memphis, Tennessee  Citizens First Bank, El Dorado  Regions Bank, Birmingham, Alabama  Citizens First Bank, Fordyce  Regions Bank, Birmingham, Alabama   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  9  10  Arkansas State Bank Department  BANK  MERGED INTO  The Security Bank, Harrison  Regions Bank, Birmingham, Alabama  Arkansas Bank and Trust Company, Hot Springs  Regions Bank, Birmingham, Alabama  First Bank of Arkansas, Jonesboro  Regions Bank, Birmingham, Alabama  River Valley Bank & Trust, Lavaca  The First National Bank of Fort Smith, Fort Smith  Peoples Bank & Loan Co., Lewisville  The Citizens National Bank of Hope, Hope  Bank of Lincoln, Lincoln  Simmons First Bank of Northwest Arkansas, Rogers  Bank of the Ozarks, Little Rock  Bank of the Ozarks, nwa, Jasper  Horizon Bank, Malvern  Mercantile Bank of Arkansas National Association, North Little Rock  First Commercial Bank Rogers, Rogers  Regions Bank, Birmingham, Alabama  Merchants and Farmers Bank, West Helena  Union Planters Bank, National Association, Memphis, Tennessee   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  CHARTERS APPROVED First Community Bank of Eastern Arkansas 205 Block Street Marion, Arkansas 72364 (Charter Date October 8, 1998) P.L.D. Trust Company (Private) 212 Center Street, Suite 700 Little Rock, Arkansas 72201 (Charter Date October 15, 1998) Petit Jean State Bank 707 North Saint Joseph Street Morrilton, Arkansas 72110 (Charter Date January 27, 1999)  CHARTER CONVERSIONS One Bank & Trust 300 West Capitol Avenue Little Rock, Arkansas 72203 (Converted from a national charter December 17, 1998) First Community Bank 1001 Front Street Conway, Arkansas 72033 (Converted from a national charter April 15, 1999) First Financial Bank 214 North Washington Street El Dorado, Arkansas 71730 (Converted from a savings and loan April 15, 1999) First Arvest Bank 1645 Highway 412 West Siloam Springs, Arkansas 72761 (Converted from a national charter June 24, 1999)   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  11  12  Arkansas State Bank Department  NEW BRANCHES APPROVED FROM JULY 1, 1998, TO JUNE 30, 1999 BANK  LOCATION  Bank of Amity, Amity  Flighway 70 West, Kirby  First Community Bank, Batesville  #1 Allen Chapel Road, Batesville  First Community Bank, Batesville  2307 Beebe Capps Expressway, Searcy  The Union Bank of Benton, Benton  1343 Albert Pike, Hot Springs  Bank of Bentonville, Bentonville  2425 South Zero, Fort Smith  Community Bank, Cabot  2171 West Main, Cabot  First State Bank, Conway  620 Chestnut Street, Conway  First State Bank, Conway  1208 Oak Street, Conway  First State Bank, Conway  945 Salem Road, Conway  First State Bank, Conway  1044 Main Street, Vilonia  First State Bank, Crossett  1600 Florida Street, Crossett  Danville State Bank, Danville  4508 North Highway 7, Hot Springs Village  Bank of Dardanelle, Dardanelle  1511 North Church, Atkins  Bank of Glenwood, Glenwood  1135 Airport Road, Hot Springs  First Service Bank, Greenbrier  U.S. Highway 65 Bypass, Clinton   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  13  BANK  LOCATION  Farmers Bank, Greenwood  Rogers Avenue at South 79th Street, Fort Smith  The Cleburne County Bank, Heber Springs  367-01 Highway 25 North, Guy  The Cleburne County Bank, Heber Springs  Highway 5 & 25 Junction, Heber Springs  Heber Springs State Bank, Heber Springs  1510 Highway 25B North, Heber Springs  Arkansas Bank and Trust Company, Hot Springs  500 Cornerstone Boulevard, Hot Springs  Heritage Bank, Jonesboro  1205 South Caraway Road, Jonesboro  MidSouth Bank, Jonesboro  306 Elder Street, Bay  MidSouth Bank, Jonesboro  4818 East Highland, Jonesboro  Bank of Little Rock, Little Rock  8500 Geyer Springs Road, Little Rock  Bank of the Ozarks, Little Rock  Highway 65, Clinton  Bank of the Ozarks, Little Rock  10300 Stagecoach Road, Little Rock  Bank of the Ozarks, Little Rock  4846 North Hills Boulevard, North Little Rock  Bank of the Ozarks, Little Rock  2929 JFK, Suite 4, North Little Rock  The Capital Bank, Little Rock  4000 East McCain Boulevard, North Little Rock  Central Bank & Trust, Little Rock  Chenal Parkway & Technology Drive, Little Rock  One Bank & Trust, Little Rock  East 9th & Highway 65, Marshall   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  14  Arkansas State Bank Department  BANK  LOCATION  Horizon Bank of Columbia County, Magnolia  409 Main, Arkadelphia  Bank of Mulberry, Mulberry  1012 West Second Street, Little Rock  Diamond State Bank, Murfreesboro  404 East Collin Raye Drive, DeQueen  American State Bank, Osceola  1901 West Parker Road, Jonesboro  American State Bank, Osceola  Highway 49 & Mockingbird Lane, Paragould  First State Bank, Plainview  501 West Main, Russellville  First Community Bank, Pocahontas  1700 East Highland, Jonesboro  First Community Bank, Pocahontas  3712 East Highland, Jonesboro  Bank of Rogers, Rogers  319 Bloomington, Lowell  Simmons First Bank of Northwest Arkansas, Rogers  670 East Joyce Boulevard, Fayetteville  Simmons First Bank of Russellville, Russellville  2500 West Main, Russellville  First Security Bank, Searcy  906 South Pine, Suite 14, Cabot  First Security Bank, Searcy  1169 Joyce Boulevard, Fayetteville  First Security Bank, Searcy  3901 Walnut Street, Rogers  Springdale Bank and Trust, Springdale  1301 East Robinson Avenue Springdale  First Delta Bank, Tyronza  445 Highway 463 South, Trumann   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  15  The following is a statement reflecting deposits and disbursements of the State Bank Department from July 1, 1998 through June 30, 1999.  RECEIPTS Cash Balance June 30, 1998................................................................$3,537,221.24 Examination and Assessment Fees....................................4,416,645.02 Charter and Amendment Fees................................................. 27,800.00 Teller's Facility Application and all Protest Fees.............................................................. 237,775.00 Miscellaneous Fees.................................................................... 4,883.48 Reimbursement for M & R Sales.............................................. 47,346.13 Refund to Expenditures - Prior Y e a r......................................... 3,528.40 Refund to Expenditures - Current Year..................................... 7,781.75 Outlawed Warrants...........................................................................59.61 Old Year Warrant Cancellation........................................................ 50.95 Total Receipts 4,745,870.34 $8,283,091.58  DISBURSEMENTS Salaries................................................ Extra Help Salaries............................. Maintenance and General Operations S.S., Retirement and Insurance Matching........................................... Professional Services and Fees......... Conference Fees and Travel.............. Capital Outlay...................................... Data Processing.................................. Proceeds from M & R ......................... Service Charge by State Treasurer.... Total Disbursements Cash Balance June 30, 1999   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  2,633,423.45 .................................... -  0  -  ...598,731.46 ...619,089.24 ....21,771.33 ...141,501.33 ...253,231.07 .................................... -  0  -  ....10,798.71 ....70,233.30 4,348,779.89 3,934,311.69 $8,283,091.58  16  Arkansas State Bank Department  FEDERAL DEPOSIT INSURANCE CORPORATION Memphis Regional Office 5100 Poplar Avenue, Suite 1900 Memphis, Tennessee 38137 VOICE: (901)685-1603 FAX: (901)821-5308 FAX: (901)821-5309 www.fdic.gov Cottrell L. Webster .. ............................................ Regional Director - Supervision Sylvia H. Plunkett.... ............................................. Regional Director - Consumer Stephen C. Race.... ...................................................... Deputy Regional Director Patricia Lenfert....... ................................................... Assistant Regional Director Phillip H. Schwartz.. ...................................................................Regional Counsel Little Rock Field Office Three Financial Centre 900 South Shackleford Road, Suite 500 Little Rock, Arkansas 72211 VOICE: (501)228-6346 FAX: (501)228-6568 Wade Ruckle......... .......................................................... Field Office Supervisor Memphis Field Office 8295 Tournament Drive, Suite 100 Memphis, Tennessee 38125-8866 VOICE: (901)748-3342 FAX: (901)748-1512 William W. Quinn.... ...........................................................Field Office Supervisor  Shreveport Field Office 1914 Citizens Drive Bossier City, Louisiana 71111 VOICE: (318)746-8283 FAX: (318)742-2451 John J. Poskonka   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Field Office Supervisor  Eighty-Fifth Report  17  FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 411 Locust Street P. O. Box 442 St. Louis, Missouri 63166 VOICE: (314)444-8444 FAX: (314)444-8740 www.stls.frb.org William Poole............ .................................................................................... President W. LeGrande Rives... ...................................................................First Vice President Karl W. Ashman....... ................................................................Senior Vice President Henry H. Bourgaux.... ................................................................Senior Vice President Joan P. Cronin.......... ................................................................Senior Vice President Robert H. Rasche..... ................................................................Senior Vice President Director of Research Mary H. Karr............. ................................................................Senior Vice President General Counsel & Secretary John P. Baumgartner ...........................................................................Vice President Treasury Relations & Wholesale & Cash Operations John W. Block, Jr..... ...........................................................................Vice President Consumer Affairs Supervision Timothy A. Bosch..... ...........................................................................Vice President Applications, Risk Management, Statistics, Credit & Payment Cletus C. Coughlin.... ...........................................................................Vice President Associate Director of Research William T. Gavin....... ...........................................................................Vice President Research Coordinator R. Alton Gilbert......... ........................................................................... Vice President Banking Economics Advisor Daniel L. Thornton.... ...........................................................................Vice President Research Richard G. Anderson. ...........................................................................Vice President Research N. Lynn Greenwood.. ...........................................................................Vice President Public Affairs Jean M. Lovati......................................................................................Vice President Information Technology Services & Information Security Kim D. Nelson......................................................................................Vice President Supervision & Regulation Michael J. Mueller................................................................................Vice President Human Resources   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Arkansas State Bank Department  FEDERAL RESERVE BANK OF ST. LOUIS DISTRICT NO. 8 (Continued) Marilyn K. Corona.................................................................................................. VicePresident Corporate Accounting & Customer Relations Michael D. Renfro...............................................................................General Auditor Audit David A. Sapenaro................................................................................................. VicePresident Treasury Relations & Systems Support William J. Sneed.................................................................................................... VicePresident Support Services Randall C. Sumner................................................................................................. VicePresident Community Affairs Little Rock Branch 325 West Capitol Avenue P. O. Box 1261 Little Rock, Arkansas 72203-1261 VOICE: (501) 324-8300 FAX: (501)324-8212 Robert A. Hopkins................................................. Vice President & Branch Manager Thomas R. Callaway..............................................................Assistant Vice President Andrea S. Eddy................................................................................Operations Officer Memphis Branch 200 North Main Street P. O. Box 407 Memphis, Tennessee 38101-0407 VOICE: (901) 523-7171 FAX: (901)579-2406 Martha L. Perine.................................................... Vice President & Branch Manager John W. Mitchell...............................................................................Operations Officer Louisville Branch 410 South 5th Street Louisville, Kentucky 40232-2710 P. O. Box 32710 VOICE: (502)568-9200 FAX: (502)568-9211 Thomas Boone......................................................Vice President & Branch Manager Ronald L. Byrne..................................................................................... Vice President Tom Short  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Assistant Vice President  Eighty-Fifth Report  19  COMPTROLLER OF THE CURRENCY Southwestern District Office 500 North Akard, Suite 1600 Dallas, Texas 75201-3394 VOICE: (214)720-0656 FAX: (214)720-7000 www.occ.treas.gov John A. Bodnar...........................................................................Deputy Comptroller Randall Ryskamp.............................................................................District Counsel Michael Hughes...........................................................................Licensing Manager Gene Ferner....................................................Acting Assistant Deputy Comptroller For Specialties/Operations Central and Western Oklahoma Field Office The Harvey Parkway Building 301 NW 63rd Street, Suite 490 Oklahoma City, Oklahoma 73116 VOICE: (405)848-8058 FAX: (405) 848-8085 Kyle Jones  Assistant Deputy Comptroller Arkansas Field Office Ozark National Life Building 10201 West Markham, Suite 105 Little Rock, Arkansas 72205-2180 VOICE: (501)225-7228 FAX: (501)225-2711  F. Christian Dunn.......................................................Assistant Deputy Comptroller Eastern Oklahoma Field Office Executive Center Building 7134 South Yale, Suite 910 Tulsa, OK 74136-6360 VOICE: (918)492-2082 FAX: (918)492-2092 Leigh Hoge   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Assistant Deputy Comptroller  Arkansas State Bank Department  20  COMPTROLLER OF THE CURRENCY Southeastern District Office Marquis One Tower, Suite 600 245 Peachtree Center Avenue, N.E. Atlanta, Georgia 30303-1223 VOICE: (404)659-8855 FAX: (404)588-4532 Archie L. Bransford, Jr.................................................................. Deputy Comptroller H. Gary Pannell...................................................................................District Counsel William J. Abernathy, Jr................................................Assistant Deputy Comptroller for Specialties/Operations Memphis Field Office Kimbrough Building 57 Germantown Court, Suite 309 Cordova, Tennessee 38018 VOICE: (901)624-5154 FAX: (901)624-5822 Paul E. Robertson  Assistant Deputy Comptroller Midwestern District Office 2345 Grand Boulevard, Suite 700 Kansas City, Missouri 64108-2683 VOICE: (816)556-1800 FAX: (816)556-1892  Jerilyn Gilland.............................................................................Deputy Comptroller Leslie Linville.....................................................................................District Counsel Ellen Shepherd...........................................................................Licensing Manager David Baker............................................................... Assistant Deputy Comptroller for Specialties/Operations Bobby Winstead.........................................................Assistant Deputy Comptroller for Mid-Size/Credit Card Banks Joplin Field Office Fountainside Plaza, Suite H 1710 East 32nd Street Joplin, Missouri 64804-4100 VOICE: (417)781-7629 FAX: (417)781-9724 Dan L. Gipple   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Assistant Deputy Comptroller  Eighty-Fifth Report  21  ARKANSAS BANKERS ASSOCIATION The Carvill Building 1220 West Third Street Little Rock, Arkansas 72201 VOICE: (501)376-3741 FAX: (501)376-9243 www.arkbankers.org  Dan G. Bailey..................................................................... .........Executive Director John T. Hampton........................................................................................ President Chief Executive Officer and President First Western Bancshares, Inc., Booneville Don Pattillo.......................................................................... ......First Vice President Chief Executive Officer and President The Farmers and Merchants Bank, Stuttgart Bob L. Burns........................................................................ . Second Vice President Chief Executive Officer and President Farmers Bank and Trust Company, Magnolia Larry T. W ilson.................................................................... ...................... Treasurer Chief Executive Officer and President First Arkansas Bank & Trust, Jacksonville  YOUNG BANKERS SECTION OFFICERS Brad Joyce.................................................................................................. President Citizens Bank, Booneville Jim Homan.......................................................................... ....Senior Vice President The Malvern National Bank, Malvern Kendall Henry...................................................................... .............. Vice President The Merchants and Planters Bank, Clarendon Gina Daniell......................................................................... ...................... Secretary Mercantile Bank of Arkansas, N.A., North Little Rock Chris Welch......................................................................... ...................... Treasurer The Bank of Fayetteville, N.A., Fayetteville Avona Kasselman............................................... Simmons First Bank of Russellville, Russellville   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Education Coordinator  Arkansas State Bank Department  22  ARKANSAS COMMUNITY BANKERS ASSOCIATION P. O. Box 20210 Hot Springs, Arkansas 71903-0210 VOICE: (800) 771-1634 FAX: (501) 525-0637 E-Mail: richard@acbonline.org www.acbonline.org Richard G. Trammell......................................................................Executive Director Michael F. Flynn............................................................................................. President Community President, Western Region Simmons First National Bank, Pine Bluff Larry E. Bauer.......................................................................................Vice President Chief Executive Officer and President Planters & Merchants Bank, Gillett Dan Wingard..................................................................................................Secretary Chief Executive Officer and President Farmers Bank, Hamburg Greg B. Brown............................................................................................... Treasurer Chairman and Chief Executive Officer The Union Bank of Benton, Benton   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  23  CONSOLIDATED REPORT OF CONDITION OF THE 149 STATE CHARTERED COMMERCIAL BANKS (in millions) JUNE 30, 1999 ASSETS 1. 2. 3. 4.  5. 6. 7. 8. 9. 10. 11. 12.  Cash and balances due from depository institutions: a. Noninterest-bearing balances ana currency and coin..................... $498 b. Interest-bearing balances................................................................... 101 Securities: a. Held-to-maturity securities.................................................................1,225 b. Available-for-sale securities...............................................................3,164 Federal funds sold and securities purchased under agreement to resell.................................... 347 Loans and lease financing receivables: a. Loans and leases, net of unearned income..................................... 9,576 b. Less: Allowances for loan and lease losses...................................... 118 c. Less: Allocated transfer risk reserve........................................................0 d. Loans and leases, net of unearned income allowance, and reserve......................................................................9,458 Trading assets.................................................................................................... 0 Premises and fixed assets (including capitalizedleases)..............................343 Other real estate owned...................................................................................22 Investments in unconsolidated subsidiaries and associated companies........................................................................... 3 Customers liability to this bank on acceptances outstanding.............................................................................. 0 Intangible assets................................................................................................77 Other assets.................................................................................................... 240 Total assets.............................................................................................$15,478  LIABILITIES 13.  14. 15. 16. 17. 18. 19. 20.  Deposits: a. In domestic offices.........................................................................$13,296 (1) Noninterest-bearing...................................................................... 1,669 (2) Interest-bearing..........................................................................11,627 b. In foreign offices, Edge and Agreement subsidiaries, and IBFs.............................................................................. 0 (1) Noninterest-bearing............................................................................. 0 (2) Interest-bearing................................................................................... 0 Federal funds purchased and securities sold under agreement to repurchase...................................... 203 Demand notes issued to the U.S. Treasury.......................................................7 Other borrowed money (includes mortgage indebtedness and obligations under capitalized leases)....................................................... 384 Bank's liability on acceptances executed and outstanding.............................. 0 Notes and debentures subordinated to deposits...............................................0 Other liabilities.................................................................................................. 95 Total liabilities............................................................................................ 13,985  EQUITY CAPITAL 21. Perpetual preferred stock.................................................................................... 7 22. Common stock................................................................................................. 68 23. Surplus............................................................................................................ 529 24. a. undivided profits and capital reserves......................................................911 b. Net unrealized holding gains (losses) on available-for-sale securities.... (22) 25. Cumulative foreign currency translation adjustment........................................ 0 26. Total equity capital....................................................................................... 1,493 27. Total liabilities, limited-life preferred stock and eguity capital................$15,478   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  24  Arkansas State Bank Department  CONSOLIDATED STATEMENT OF CONDITION OF THE 70 STATE CHARTERED TRUST DEPARTMENTS (in millions) JUNE 30, 1999 ASSETS 1. 2. 3. 4. 5. 6. 7. 8. 9. 10. 11. 12. 13. 14. 15. 16.  Non-interest Bearing Deposits: a. Own Bank and Affiliate Institutions......................................................... $4 b. Other Institutions........................................................................................1 Interest Bearing Deposits: a. Own Bank and Affiliate Institutions......................................................... 88 b. Other Institutions..................................................................................... 41 U S. Government and Agency Obligations.................................................... 131 State, County and Municipal Obligations.........................................................49 Other Short-Term Obligations............................................................................ 0 Other Notes and Bonds.................................................................................... 52 Money Market Funds........................................................................................ 80 Other Mutual Funds.......................................................................................... 37 Stocks..............................................................................................................159 Collective Investment Fund Units..................................................................... 27 Real Estate Mortgages...................................................................................... 9 Real Estate........................................................................................................53 Miscellaneous Assets...................................................................................... 24 Suspense Accounts.............................................................................................0 Other..................................................................................................................25 Total ............................................................................................................. $780  LIABILITIES Personal Accounts: 17. Personal Trusts............................................................................................. $206 18. Estates & Guardianships.................................................................................. 37 Employee Benefit Accounts: 19. Trusts...............................................................................................................122 20. Agencies............................................................................................................56 All Other Agencies: 21. Investment Mgmt & Advisory........................................................................... 59 22. Custodial..........................................................................................................128 23. A llO ther.............................................................................................................64 Corporate and Municipal Securities Appointments: 24. Bond Trusteeships.............................................................................................70 25. Agencies............................................................................................................38 Collective Investment Funds: 26. Employee Benefits...............................................................................................0 27. Other.................................................................................................................... 0 28. Profit Accounts.....................................................................................................0 29. Suspense Accounts.............................................................................................0 30. Total .............................................................................................................. $780  http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  25  CONSOLIDATED REPORT OF CONDITION OF THE 50 NATIONAL BANKS (in millions) ASSETS  JUNE 30, 1999  1. Cash and balances due from depository institutions: a. Noninterest-bearing balances and currency and coin........................ $377 b. Interest-bearing balances........................................................................54 2. Securities: a. Held-to-maturity securities ....................................................................973 b. Available-for-sale securities............................................................... 2,481 3. Federal funds sold and securities purchased under agreement to resell...................................... 311 4. Loans and lease financing receivables: a. Loans and leases, net of unearned income...................................... 6,180 b. Less: Allowances for loan and lease losses........................................... 80 c. Less: Allocated transfer risk reserve.........................................................0 d. Loans and leases, net of unearned income allowance, and reserve.......................................................................6,100 5. Trading assets.....................................................................................................11 6. Premises and fixed assets (including capitalized leases)...............................188 7. Other real estate owned..................................................................................... 13 8. Investments in unconsolidated subsidiaries and associated companies.............................................................................6 9. Customers liability to this bank on acceptances outstanding................................................................................ 0 10. Intangible assets................................................................................................. 36 11. Other assets..................................................................................................... 149 12. Total assets...............................................................................................$10,699 LIABILITIES 13. Deposits: a. In domestic offices............................................................................$9,022 (1) Noninterest-bearing....................................................................... 1,251 (2) Interest-bearing..............................................................................7,771 b. In foreign offices, Edge and Agreement subsidiaries, and IBFs................................................................................ 0 (1) Noninterest-bearing.............................................................................. 0 (2) Interest-bearing..................................................................................... 0 14. Federal funds purchased and securities sold under agreement to repurchase........................................ 324 15. Demand notes issued to tne U.S. Treasury.......................................................17 16. Other borrowed money (includes mortgage indebtedness and obligations undercapitalized leases)..........................................................226 17. Bank'sliability on acceptances executed andoutstanding...................................0 18. Notes and debentures subordinated to deposits.................................................0 19. Other liabilities.................................................................................................... 69 20. Total liabilities................................................................................................ 9,658 EQUITY CAPITAL 21. 22. 23. 24.  Perpetual preferred stock..................................................................................... 1 Common stock................................................................................................... 47 Surplus.............................................................................................................. 285 a. Undivided profits and capital reserves........................................................727 b. Net unrealized holding gains (losses) on available-for-sale securities.....(19) 25. Cumulative foreign currency translation adjustment..........................................0 26. Total equity capital........................................................................................ 1,041 27. Total liabilities, limited-life preferred stock and equity capital................ $10,699   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  26  Arkansas State Bank Department  TIER ONE LEVERAGE RATIOS FOR ALL ARKANSAS COMMERCIAL BANKS JUNE 30, 1999 BANK  CITY  Commercial Bank at Alma First National Bank of Altheimer Bank of Amity Elk Horn Bank and Trust Company First National Bank of Sharp County The First National Bank The Bank of Augusta Citizens State Bank The Arkansas Bank, N.A. The Citizens Bank First Community Bank Bank of Bearden The Union Bank of Benton Arkansas National Bank Bank of Bentonville The First National Bank of Berryville Bank of Blevins Farmers Bank And Trust Company The First National Bank in Blytheville Citizens Bank The Bank of Bradley Bank of Brinkley The Union Bank of Bryant Community Bank The First National Bank of Izard County First Bank of South Arkansas Merchants and Planters Bank, N.A. Bank of Cave City The Merchants and Planters Bank Farmers Bank and Trust Company First Community Bank First State Bank Corning Bank First National Bank of Crossett First State Bank Danville State Bank  Alma Altheimer Amity Arkadelphia Ash Flat Ashdown Augusta Bald Knob Batesville Batesville Batesville Bearden Benton Bentonville Bentonville Berryville Blevins Blytheville Blytheville Booneville Bradley Brinkley Bryant Cabot Calico Rock Camden Camden Cave City Clarendon Clarksville Conway Conway Corning Crossett Crossett Danville   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  RATIO 7.86 20.34 9.29 8.88 8.56 9.08 12.76 9.97 9.91 7.19 9.42 20.91 7.55 7.99 5.59 13.10 10.36 9.81 14.82 8.07 9.66 14.39 8.61 7.78 19.38 7.87 9.37 9.20 11.13 9.20 8.45 22.51 14.10 8.66 9.05 9.17  27  Eighty-Fifth Report  BANK Bank of Dardanelle The First National Bank of DeQueen First State Bank of DeQueen DeWitt Bank And Trust Company The First National Bank of DeWitt Decatur State Bank Bank of Delight First National Bank of Howard County Merchants & Farmers Bank Simmons First Bank of Dumas First Financial Bank The First National Bank of El Dorado Simmons First Bank of El Dorado, N.A. The Delta State Bank The Bank of Elkins Bank of England The Eudora Bank Bank of Eureka Springs Bank of Evening Shade Bank of Arkansas, N.A. The Bank of Fayetteville, N.A. Mcllroy Bank & Trust Fordyce Bank & Trust Company First National Bank of Eastern Arkansas Forrest City Bank, N.A. The City National Bank of Fort Smith The First National Bank of Fort Smith Planters & Merchants Bank The Bank of Glenwood Bank of Gravett Northwest National Bank The First National Bank in Green Forest First Service Bank Farmers Bank First State Bank of Gurdon Farmers Bank Calhoun County Bank The Bank of Harrisburg Community First Bank The Cleburne County Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY Dardanelle DeQueen DeQueen DeWitt DeWitt Decatur Delight Dierks Dumas Dumas El Dorado El Dorado El Dorado Elaine Elkins England Eudora Eureka Springs Evening Shade Fayetteville Fayetteville Fayetteville Fordyce Forrest City Forrest City  Fort Smith Fort Smith Gillett Glenwood Gravette Gravette Green Forest Greenbrier Greenwood Gurdon Hamburg Hampton Harrisburg Harrison Heber Springs  RATIO 9.60 13.55 13.84 17.54 10.55 13.59 13.49 14.00 13.52 8.66 6.49 9.67 9.26 7.31 9.99 7.90 11.77 11.29 8.74 10.00 7.26 6.91 7.77 12.12 7.87 8.53 12.42 10.77 8.85 10.56 9.65 11.19 9.18 18.23 8.56 9.70 11.01 9.90 8.02 9.83  28  Arkansas State Bank Department  BANK  CITY  Greers Ferry Lake State Bank Heber Springs State Bank First National Bank of Phillips County Helena National Bank The Citizens National Bank of Hope The First National Bank of Hope Horatio State Bank Alliance Bank of Hot Springs First National Bank The Planters National Bank of Hughes The First National Bank of Huntsville First State Bank Peoples Bank First Arkansas Bank & Trust The Arkansas Bank Heritage Bank MidSouth Bank Simmons First Bank of Jonesboro Pine State Bank Madison Bank and Trust The Bank of Lake Village  Heber Springs Heber Springs Helena Helena Hope Hope Horatio Hot Springs Hot Springs Hughes Huntsville Huntsville Imboden Jacksonville Jonesboro Jonesboro Jonesboro Jonesboro Kingsland Kingston Lake Village Lake Village Lepanto Lewisville Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Lockesburg Lonoke Magnolia Magnolia Magnolia Magnolia Malvern  S im m ons First Bank o f South A rka n sa s  Little River Bank The First National Bank of Lewisville Arkansas Bankers’ Bank Bank of Little Rock Bank of the Ozarks The Capital Bank Central Bank & Trust Eagle Bank & Trust Company Metropolitan National Bank One Bank & Trust Pinnacle Bank Pulaski Bank And Trust Company Bank of Lockesburg First State Bank Farmers Bank and Trust Company First National Bank of Magnolia Horizon Bank of Columbia County The Peoples Bank The Malvern National Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  RATIO 7.96 8.88 10.41 7.91 8.67 15.24 10.74 7.78 10.45 10.80 16.11 7.42 8.31 12.99 9.06 9.55 7.06 7.62 6.30 6.27 13.66 8.62 15.49 10.35 8.11 9.32 7.48 8.19 8.46 9.21 6.98 9.83 9.39 7.54 14.24 7.98 7.04 8.98 10.10 10.24 9.12  29  E ig h t y - F i f t h R e p o r t  BANK  CITY  Southern State Bank The Merchants and Planters Bank Bank of Mansfield First National Bank at Marianna First Community Bank of Eastern Arkansas Marked Tree Bank Bank of McCrory The First National Bank of McGehee McGehee Bank The Bank of North Arkansas First National Bank in Mena The Union Bank of Mena Commercial Bank & Trust Company Union Bank And Trust Company Petit Jean State Bank First Bank of Montgomery County First National Bank & Trust Company Peoples Bank And Trust Company TrustBanc Bank of Mountain View Bank of Mulberry Diamond State Bank Citizens National Bank of Nashville Merchants & Planters Bank Mercantile Bank of Arkansas, N.A. National Bank of Arkansas in North Little Rock American State Bank The Planters Bank Bank of Paragould First National Bank Peoples Bank The First National Bank at Paris Southeast Arkansas Bank First State Bank The Perry County Bank Piggott State Bank Pine Bluff National Bank Simmons First National Bank First State Bank Bank of Pocahontas First Community Bank  Malvern Manila Mansfield Marianna Marion Marked Tree McCrory McGehee McGehee Melbourne Mena Mena Monticello Monticello Morrilton Mount Ida Mountain Home Mountain Home Mountain Home Mountain View Mulberry Murfreesboro Nashville Newport North Little Rock North Little Rock Osceola Osceola Paragould Paragould Paragould Paris Parkdale Parkin Perryville Piggott Pine Bluff Pine Bluff Plainview Pocahontas Pocahontas   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  RATIO 9.72 12.98 9.25 11.26 15.73 3.39 10.98 12.27 19.22 9.11 12.89 11.08 9.09 8.97 25.13 13.52 14.19 8.62 15.48 16.34 7.27 7.81 11.45 8.17 8.32 7.83 8.81 8.09 21.99 14.81 9.38 7.76 8.55 6.60 7.02 8.96 7.35 8.88 12.63 8.93 7.40  30  Arkansas State Bank Department  BANK  CITY  The Peoples Bank Portland Bank The Farmers & Merchants Bank Bank of Prescott The Bank of Rison Bank of Rogers First National Bank and Trust Company First Western Bank and Trust Company Simmons First Bank of Northwest Arkansas First Arkansas Valley Bank River Valley Bank Simmons First Bank of Russellville Bank of Salem Logan County Bank First Security Bank Simmons First Bank of Searcy Arkansas State Bank First Arvest Bank Smackover State Bank Merchants & Planters Bank The First National Bank of Springdale Springdale Bank and Trust Bodcaw Bank Bank of Star City The Stephens Security Bank The Farmers and Merchants Bank First United Bank Bank of Trumann Bank of Tuckerman First Delta Bank Citizens Bank & Trust Company Bank of Waldron The Scott County Bank The Arkansas Bank The First National Bank of Lawrence County First State Bank of Warren Warren Bank and Trust Company Fidelity National Bank of West Memphis Cross County Bank The First National Bank of Wynne The Bank of Yellville  Portland Portland Prairie Grove Prescott Rison Rogers Rogers Rogers Rogers Russellville Russellville Russellville Salem Scranton Searcy Searcy Siloam Springs Siloam Springs Smackover Sparkman Springdale Springdale Stamps Star City Stephens Stuttgart Stuttgart Trumann Tuckerman Tyronza Van Buren Waldron Waldron Walnut Ridge Walnut Ridge Warren Warren West Memphis Wynne Wynne Yellville   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  RATIO 16.69 6.66 6.72 9.97 14.67 7.45 6.54 8.32 7.67 7.07 9.32 11.12 8.67 15.49 10.61 6.76 19.07 6.64 13.02 5.94 9.07 6.88 14.54 10.49 10.26 11.56 8.73 12.96 10.54 11.65 10.93 13.82 10.10 9.27 12.41 9.55 14.44 6.44 8.17 9.78 7.54  Eighty-Fifth Report  31  NATIONAL BANKS June 30, 1999 (000’s omitted) BANK  CITY  First National Bank of Altheimer First National Bank of Sharp County The First National Bank The Arkansas Bank, N.A. Arkansas National Bank The First National Bank of Berryville The First National Bank in Blytheville The First National Bank of Izard County Merchants and Planters Bank, N.A. First National Bank of Crossed The First National Bank of DeQueen The First National Bank of DeWitt First National Bank of Howard County The First National Bank of El Dorado Simmons First Bank of El Dorado, N.A. Bank of Arkansas, N.A. The Bank of Fayetteville, N.A. First National Bank of Eastern Arkansas Forrest City Bank, N.A. The City National Bank of Fort Smith The First National Bank of Fort Smith Northwest National Bank The First National Bank in Green Forest First National Bank o f Phillips County Helena National Bank The Citizens National Bank of Hope The First National Bank of Hope First National Bank The Planters National Bank of Hughes The First National Bank of Huntsville The First National Bank of Lewisville Metropolitan National Bank First National Bank of Magnolia The Malvern National Bank First National Bank at Marianna The First National Bank of McGehee First National Bank in Mena First National Bank & Trust Company Citizens National Bank of Nashville  Altheimer Ash Flat Ashdown Batesville Bentonville Berryville Blytheville Calico Rock Camden Crossed DeQueen DeWitt Dierks El Dorado El Dorado Fayetteville Fayetteville Forrest City Forrest City Fort Smith Fort Smith Gravette Green Forest Helena Helena Hope Hope Hot Springs Hughes Huntsville Lewisville Little Rock Magnolia Malvern Marianna McGehee Mena Mountain Home Nashville   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  ASSETS 11,388 168,861 77,298 51,531 364,792 126,311 145,850 93,535 98,827 106,636 117,266 84,813 43,281 281,828 152,508 115,193 186,041 196,677 65,895 528,325 645,362 19,994 183,287 117,844 118,279 259,639 114,450 83,927 21,588 84,088 27,986 508,894 227,824 268,992 50,342 39,675 116,797 227,404 43,395  32  Arkansas State Bank Department  BANK  CITY  ASSETS  Mercantile Bank of Arkansas, N.A. National Bank of Arkansas in North Little Rock First National Bank The First National Bank at Paris Pine Bluff National Bank Simmons First National Bank First National Bank and Trust Company The First National Bank of Springdale The First National Bank of Lawrence County Fidelity National Bank of West Memphis The First National Bank of Wynne  North Little Rock North Little Rock Paragould Paris Pine Bluff Pine Bluff Rogers Springdale Walnut Ridge West Memphis Wynne  1,894,370 105,896 256,196 75,767 162,450 768,389 577,163 334,442 81,108 106,029 160,879   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  REPORT OF THE  ONE HUNDRED FORTY-NINE   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  STATE CHARTERED  COMMERCIAL BANKS  JUNE 30, 1999  34  Arkansas State Bank Department  Commercial Bank at Alma Alma, AR VOICE: (501) 632-2257 FAX: (501) 632-2263 Population: 2,959  17 Highway 64 East P .O .B o x2 19 9 72921-2199  Charter Number: 297 Date: January 31, 1910 County: Crawford  Home Page: www.combank-alma.com Trust Department: No Bank Holding Company First United Bancshares, Inc., El Dorado, AR CEO/Pres: Jimmy V. Fincher EVP: William N. Brasher, III  SVP: Rex A. Woods Cash: Anita Garrison  Cash and Due from :.......................................... 1,478 Federal Funds and Repos:............................... 2,000 Investments:.................................................... 28,648 Total Loans:....................................................41,524 Premises and Fixed Assets:............................. 1,278 Other Real Estate:..................................................71 Other Assets:......................................................1.897 Total Assets:.................................................... 76.896 Total Trust Assets:....................................................0  Deposits:...................................................... 69,261 Federal Funds and Borrowings:......................... 0 Other Liabilities:................................................367 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 69,628 Total Equity Capital and Reserves:............ 7,268 Total Liabilities and Capital:...................... 76,896 Number of Shares Outstanding:..................8,000  Directors: James A. Arnold; Leonard L. Blaschke; Jimmy V. Fincher; Jim Harwood; Paul L. Winborn Branches in Town: None  Other Branches: Dyer, Mountainburg  Bank of Amity Amity, AR VOICE: (870) 342-5268 FAX: (870)342-9594 Population: 526  Public Square P. O. Box 38 71921-0038  Charter Number: 198 Date: January 30, 1905 County: Clark  Trust Department: No Bank Holding Company Chambers Bancshares, Inc., Danville, AR Pres/Cash: Diane T. Owens  VP: Lori Johns  Cash and Due from :.......................................... 1,549 Federal Funds and Repos:............................. 11,480 Investments:.................................................... 13,109 Total Loans:.................................................... 36,297 Premises and Fixed Assets:................................ 648 Other Real E state:..................................................52 Other Assets:........................................................ 643 Total Assets:.................................................... 63,778 Total Trust Assets:....................................................0  Deposits:...................................................... 56,869 Federal Funds and Borrowings:......................... 0 Other Liabilities:............................................... 407 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 57,276 Total Equity Capital and Reserves:............ 6,502 Total Liabilities and Capital:...................... 63,778 Number of Shares Outstanding:..................4,000  Directors: John Ed Chambers, III; Danny Dunlap; Huey Grant; Jimmy Jones; Hazel Richardson; Edward J. Taylor; Jimmy Williams  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Kirby  35  Eighty-Fifth Report  Elk Horn Bank and Trust Company Arkadelphia, AR VOICE: (870) 246-5811 FAX: (870) 246-5284 Population: 10,014  601 Main Street P. O. Box 248 71923-0248  Charter Number: 142 Date: September 28, 1903 County: Clark  Trust Department: Yes Bank Holding Company Southern Development Bancorporation, Inc., Arkadelphia, AR CEO/Pres: I. Joe Miles EVP: Bill Fowler  EVP/COO: Jimmy Franklin VP/TO: Beth S. Marshall  Cash and Due fro m :......................................... 3,341 Federal Funds and Repos:...............................5,130 Investments:.....................................................21,329 Total Loans:.....................................................80,133 Premises and Fixed A ssets:............................ 3,234 Other Real Estate:................................................ 246 Other A ssets:..................................................... 1.671 Total A ssets:..................................................115.084 Total Trust A ssets:............................................... 935  Deposits:....................................................102,858 Federal Funds and Borrowings:..................... 416 Other Liabilities:................................................ 625 Subordinated Debt:............................................... 0 Total Liabilities:..........................................103,899 Total Equity Capital and Reserves:...........11,185 Total Liabilities and Capital:.....................115,084 Number of Shares Outstanding:...............24,000  Directors: Thomas B. Barksdale; James Blanton; W. H. Brandon, Jr.; Dr. Robert Fisher; James Harrington; Geneva Hunter; Mike Kolb; J. Hugh Lookadoo; Mary Jo Mann; I. Joe Miles; Veda Morgan; Roy N. Shope; William G. Wright Branches in Town: One  Other Valley  Branches:  Bismarck,  Caddo  The Bank of Augusta Augusta, AR VOICE: (870) 347-2511 FAX: (870) 347-2654 Population: 2,759  100 South Second Street P. O. Box 120 72006-0120  Charter Number: 669 Date: February 20, 1935 County: Woodruff  Trust Department: Yes Bank Holding Company None Chm: John R. Eldridge CEO/Pres: Moody Whitehead  VP: Ronnie Jones Cash/TO: Martha Ray  Cash and Due fro m :..........................................1,323 Federal Funds and Repos:.............................. 6,350 Investments:.....................................................15,173 Total Loans:.....................................................19,227 Premises and Fixed A ssets:................................198 Other Real Estate:.................................................... 0 Other A ssets:..................................................... 1.528 Total A ssets:................................................... 43,799 Total Trust A sse ts:............................................2,007  Deposits:......................................................37,661 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 282 Subordinated Debt:............................................... 0 Total Liabilities;............................................37,943 Total Equity Capital and Reserves:.............5,856 Total Liabilities and Capital:.......................43,799 Number of Shares O utstanding.................. 8,000  Directors: Franklin Collier; Steven Collier; W. P. Daniel; W. P. Daniel, Jr.; Charles P. Eldridge; John R. Eldridge; R. E. Gregory, Jr.; Ronnie Jones; Moody Whitehead  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  36  Arkansas State Bank Department  Citizens State Bank Bald Knob, AR VOICE: (501) 724-3241 FAX: (501) 724-5985 Population: 2,653  306 South Elm Street P. O. Box 200 72010-0200  Charier Number: 636 Date: January 22, 1931 County: White  Home Page: www.csb-bk.com Trust Department: Yes Bank Holding Company Citizens State Bankshares of Bald Knob, Inc., Bald Knob, AR Chm/CEO: Juanita Litzelfelner Pres/COO/TO: Larry Kircher  EVP: Wendell Nier VP/Cash: Peggy Reed  Cash and Due from:.......................................... 1,648 Federal Funds and Repos:.......................................0 Investments:.................................................... 25,032 Total Loans:..................................................... 22,177 Premises and Fixed Assets:................................ 732 Other Real Estate:..................................................24 Other Assets:........................................................ 896 Total Assets:.................................................... 50,509 Total Trust Assets:............................................ 2,245  Deposits:...................................................... 44,180 Federal Funds and Borrowings:.....................690 Other Liabilities:................................................306 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 45,176 Total Equity Capital and Reserves:............ 5,333 Total Liabilities and Capital:...................... 50,509 Number of Shares Outstanding:..................4,000  Directors: Bob J. Clark; Larry Kircher; Molly Kircher; Juanita Litzelfelner; Wendell Nier; Dr. Bernard C. Smith Branches in Town: Two  Other Branches: Bradford  The Citizens Bank Batesville, AR VOICE: (870) 793-4441 FAX: (870) 698-6299 Population: 9,187  Third and College Streets P. O. Box 2156 72503-2156  Charter Number: 705 Date: February 19, 1953 County: Independence  Home Page: www.thecitizensbank.net Trust Department: Yes Member of Federal Reserve System Bank Holding Company Citizens Bancshares of Batesville, Inc., Batesville, AR CEO/Pres: Woody Castleberry SVP: Alan Bufford  SVP: Jeff Mead AVP/TO: Robin Brock  Cash and Due from :.......................................... 9,987 Federal Funds and Repos:............................... 7,930 Investments:.................................................... 87,106 Total Loans:................................................... 174,010 Premises and Fixed Assets:.............................5,466 Other Real Estate:............................................ 1,878 Other Assets:..................................................... 3,344 Total Assets:.................................................. 289,721 Total Trust Assets:.......................................... 39,646  Deposits..................................................... 249,553 Federal Funds and Borrowings:................16,901 Other Liabilities:................................................711 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 267,165 Total Equity Capital and Reserves:..........22,556 Total Liabilities and C apital:.................... 289,721 Number of Shares Outstanding:................16,500  Directors: Woody Castleberry; Dr. Lackey G. Moody; Doyle W. Rogers; Noel K. Sims; Kay Southerland  Branches in Town: Six   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Pleasant Plains  37  Eighty-Fifth Report  First Community Bank Batesville, AR VOICE: (870)612-3400 FAX: (870) 612-3470 Population: 9,187  710 St. Louis Street P .O .B o x 4327 72501-4327  Charter Number: 770 Date: June 20, 1997 County: Independence  Trust Department: No Bank Holding Company First Community Bancshares, Inc., Batesville, AR Chm/CEO/Pres: Dale E. Cole EVP: Boris A. Dover  SVP: Troy Henley VP: Katy Smythe  Cash and Due from:.......................................1,843 Federal Funds and Repos:.............................1,500 Investments:................................................. 35,397 Total Loans:................................................. 42,786 Premises and Fixed Assets:...........................1,182 Other Real Estate:.................................................0 Other Assets:.................................................... 741 Total Assets:................................................ 83,449 Total Trust Assets:................................................0  Deposits:.................................................. 73,043 Federal Funds and Borrowings:................. 2,330 Other Liabilities:.............................................271 Subordinated Debt:............................................0 Total Liabilities:.........................................75,644 Total Equity Capital and Reserves:............7,805 Total Liabilities and Capital:..................... 83,449 Number of Shares Outstanding:..............34,523  Directors: Dr. Jeff Angel; Don Buckliew; Dale E. Cole; Preston W. Grace, III; Jim Haney; Ray Lacroix; George Rider; Bill Roussel; Frank Tripp; Sheila Wagnon Branches in Town: One  Other Branches: Searcy  Bank of Bearden Bearden, AR VOICE: (870) 687-2233 FAX: (870) 687-2474 Population: 1,021  Second and Cedar Streets P. O. Box 135 71720-0135  Charter Number: 688 Date: June 17, 1945 County: Ouachita  Trust Department: No Bank Holding Company None C h m /P re s : R ick G reen EVP: Ken R iley  V P /C a s h : S usan Lusby  Cash and Due fro m :........................ ............... 1,498 Federal Funds and Repos:............. ............... 6,775 Investments:...................................... ............... 5,178 Total Loans:...................................... ............. 16,600 Premises and Fixed Assets:........... ....................89 Other Real Estate:............................ ...................... 0 Other A ssets:................................... ..................217 Total A ssets:..................................... ............. 30,357 Total Trust A ssets:........................... ...................... 0  Deposits:............................................... ..... 23,902 Federal Funds and Borrowings:......... .............. 0 Other Liabilities:.................................... ..........103 Subordinated Debt:.............................. .............. 0 Total Liabilities:..................................... ..... 24,005 Total Equity Capital and Reserves:.... ...... 6,352 Total Liabilities and Capital:............... ..... 30,357 Number of Shares O utstanding:............... 8,300  Directors: John E. Anthony; Steven M. Anthony; O. D. Cathey; Rick Green; Kenneth D. Keeton; Ron Ramsay; Russell Weatherly; Betty Word  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  Arkansas State Bank Department  38  The Union Bank of Benton Benton, AR VOICE: (501) 315-0411 FAX: (501) 303-5433 Population: 18,177  207 West Conway P. O. Box 687 72018-0687  Charter Number: 706 Date: January 11, 1954 County: Saline  Home Page: www.unionbancshares.com/ubunion.html Trust Department: Yes Bank Holding Company Union Bancshares of Benton, Inc., Benton, AR Chm/CEO: Greg B. Brown Pres: Bob Gregory  TO: Ray Pennington  Cash and Due from:.......................................... 6,662 Federal Funds and Repos........................................0 Investments:.................................................... 62,409 Total Loans:..................................................... 72.465 Premises and Fixed Assets:............................. 1,916 Other Real Estate:....................................................0 Other Assets:..................................................... 2,140 Total Assets:................................................ 145,592 Total Trust Assets:............................................ 2,754  Deposits:................................................... 106,632 Federal Funds and Borrowings:................26,044 Other Liabilities:............................................... 429 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 133,105 Total Equity Capital and Reserves:.......... 12,487 Total Liabilities and Capital:................... 145,592 Number of Shares Outstanding:............... 72,940  Directors: Greg B. Brown; June G. Brown; Lilburn Carlisle; Bob Gregory; J. D. Harris; Debra Keen; Ron Kuerner; I. E. McCray, Jr.; John Young Branches in Town: Two  Other Branches: Bryant, Hot Springs (2), Mabelvale  Bank of Bentonville Bentonville, AR VOICE: (501) 273-3331 FAX: (501) 271-1315 Population: 11,257  201 N.E. A. Street P. O. Box 1229 72712-1229  Charter Number: 641 Date: February 25, 1931 County: Benton  Trust Department: Yes Member of Federal Reserve System Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Chm: Jim C. Walton CEO/Pres: David Short  SVP: Pat Kunnecke SVP/Cash: Marla England  Cash and Due from :........................................24,750 Federal Funds and Repos:............................... 7,250 Investments:................................................. 169.350 Total L o a n s .................................................. 357.240 Premises and Fixed Assets:.............................8.456 Other Real E state:................................................200 Other Assets:................................................... 12,781 Total Assets:.................................................. 580.027 Total Trust Assets..................................................... 0  D eposits.................................................... 497.438 Federal Funds and Borrowings:................30,571 Other Liabilities:............................................ 4.030 Subordinated Debt............................................... 0 Total Liabilities:......................................... 532.039 Total Equity Capital and Reserves:..........47,988 Total Liabilities and C apital:.................... 580,027 Number of Shares Outstanding:............... 78,400  Directors: Edward F. Adair; Neff Basore; Chuck Carmer; David Glass; Robert Holder; Nancy Leake; Tom McCoy; Max McGaugh; David Short; Donald E. Walker; Jim C. Walton Branches in Town: Five   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Bella Vista Centerton, Fort Smith, Gravette  (3),  39  Eighty-Fifth Report  Bank of Blevins Blevins, AR VOICE: (870) 874-2541 FAX: (870) 874-2631 Population: 253  5461 Highway 371 P. O. Box 158 71825-0158  Charter Number: 385 Date: August 12, 1912 County: Hempstead  Trust Department: No Bank Holding Company First National Bancshares of Hempstead County, Inc., Hope, AR Chm: Thomas E. Hays, Jr. Pres: William E. Butler, Jr.  Cash: Peggy Butler  Cash and Due fro m :.............................................354 Federal Funds and Repos:..................................325 Investments:.......................................................7,410 Total Loans:.......................................................6,253 Premises and Fixed A ssets:................................249 Other Real Estate:.................................................... 5 Other A ssets:........................................................237 Total A ssets:....................................................14,833 Total Trust A ssets:................................................... 0  Deposits:...................................................... 13,151 Federal Funds and Borrowings:..........................0 Other Liabilities:.................................................. 84 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 13.235 Total Equity Capital and Reserves:........... 1,598 Total Liabilities and Capital:...................... 14 833 Number of Shares O utstanding:................. 8,050  Directors: William E. Butler, Jr.; Thomas E. Hays, Jr.; Charles E. Sharpe, Jr.; Fred Wren Branches in Town: None  Other Branches: None  Farmers Bank And Trust Company Blytheville, AR 400 West Main P. O. Box 688 72316-0688  VOICE: (870) 763-8101 FAX: (870) 763-3500 Population: 22,906  Charter Number: 253 Date: March 16, 1908 County: Mississippi  Trust Department: Yes Member of Federal Reserve System Bank Holding Company Farmers Bancorp, Inc., Blytheville, AR Chm/CEO: Alvin Huffman, III Pres/COO: Steve Bell  VP: Mike Huffman VP/TO: Ron Dawson  Cash and Due fro m :..........................................8,192 Federal Funds and Repos:...................................... 0 Investments:.....................................................51.466 Total Loans:.....................................................90.465 Premises and Fixed A ssets:............................ 2.489 Other Real Estate:................................................ 213 Other A ssets:.................................................... 2 362 Total A ssets:................................................ 155 187 Total Trust A ssets:..........................................21.728  Deposits:.................................................... 137,819 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 826 Subordinated Debt:............................................... 0 Total Liabilities:..........................................138,645 Total Equity Capital and Reserves:...........16,542 Total Liabilities and Capital:.....................155.187 Number of Shares O utstanding:...............40,000  Directors: Steve Bell; Paula O. Blackwell; Dale Briggs; Glen Cook; Alvin Huffman, III; Paul C. Hughes; Herbert Jones; Gaylon M. Lawrence, Jr.; Harold Sudbury, Jr.  Branches in Town: Four   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  40  Arkansas State Bank Department  Citizens Bank Booneville, AR VOICE: (501)675-2747 FAX: (501)675-5050 Population: 3,804  80 West Main P. O. Box 238 72927-0238  Charter Number: 397 Date: April 18, 1910 County: Logan  Trust Department: Yes Bank Holding Company First Western Bancshares, Inc., Booneville, AR CEO/Pres: John T. Hampton EVP: Joe Earp  SVP/TO: Don Hall  Cash and Due from :.......................................... 3,723 Federal Funds and Repos:.......................................0 Investments:.................................................... 31,373 Total Loans:..................................................... 65,280 Premises and Fixed Assets:.............................2,135 Other Real Estate:................................................547 Other Assets:..................................................... 2,705 Total Assets:................................................. 105,763 Total Trust Assets:.................................................... 0  Deposits:...................................................... 92,345 Federal Funds and Borrowings:..................3,530 Other Liabilities:................................................843 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 96,718 Total Equity Capital and Reserves:............ 9,045 Total Liabilities and Capital:................... 105,763 Number of Shares Outstanding:............ 159,970  Directors: Jeral L. Hampton; John T. Hampton; Robert Harris; A. B. Littlefield, Jr.; Robert E. Remy; Lee Strickland; Paul X. Williams Branches in Town: One  Other Branches: Magazine, Ratcliff  The Bank of Bradley Bradley, AR VOICE: (870)894-3322 FAX: (870) 894-3324 Population: 585  208 West Fourth P. O. Box 120 71826-0120  Charter Number: 653 Date: April 10, 1933 County: Lafayette  Trust Department: No Bank Holding Company The Bradley Corporation, Bradley, AR Chm/CEO: Billie Pierce VP: John Barnett  Cash: Regina Wootton  Cash and Due from :............................................. 803 Federal Funds and Repos:............................... 1,505 Investments:...................................................... 2,567 Total Loans:....................................................... 8,255 Premises and Fixed Assets:................................ 235 Other Real E state:..................................................71 Other Assets:.........................................................145 Total Assets:.................................................... 13,581 Total Trust Assets:.................................................... 0  Deposits:.......................................................12,073 Federal Funds and Borrowings:......................... 0 Other Liabilities:..................................................63 Subordinated Debt:...................,......................... 0 Total Liabilities:............................................12,136 Total Equity Capital and Reserves:............ 1,445 Total Liabilities and Capital:.......................13,581 Number of Shares Outstanding:................10,000  Directors: John Barnett; Gerald E. Crabtree; Billie Pierce  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  41  Eighty-Fifth Report  Bank of Brinkley Brinkley, AR VOICE: (870) 734-3133 FAX: (870) 734-3001 Population: 4,234  130 South New Orleans P. O. Box 727 72021-0727  Charter Number: 110 Date: January 17, 1903 County: Monroe  Trust Department: No Bank Holding Company Brinkley Bancshares, Inc., Brinkley, AR Chm/CEO: A. H. Rusher Pres: Gus Rusher  EVP: Terry Singleterry VP/Cash: Bentley Manatt  Cash and Due fro m :......................................... 4,343 Federal Funds and Repos:...................................... 0 Investments:.................................................... 47,001 Total Loans:.....................................................29,492 Premises and Fixed Assets:............................... 467 Other Real Estate:.................................................... 0 Other A ssets:.....................................................2,007 Total A ssets:....................................................83,310 Total Trust A ssets:................................................... 0  Deposits:......................................................69,935 Federal Funds and Borrowings:......................800 Other Liabilities:................................................ 514 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 71,249 Total Equity Capital and Reserves:...........12,061 Total Liabilities and Capital:.......................83,310 Number of Shares O utstanding:...............24,000  Directors: J. H. Carroll, Jr.; Steve Fowler; Doug Hunt; A. H. Rusher; Gus Rusher; Fred Schaefer Branches in Town: None  Other Branches: None  The Union Bank of Bryant Bryant, AR VOICE: (501)847-5700 FAX: (501) 847-5723 P opulation: 5,269  Hwy 5 at Commonwealth P. O. Box 880 72089  Charter Number: 773 Date: October 16, 1997 County: Saline  Trust Department: No Bank Holding Company Union Bancshares of Benton, Inc., Benton, AR Chm: Fred E. Briner CEO/Pres: Jim D. Ferguson  SVP: Nathan Harbert VP: Ken Rhone  Cash and Due fro m :......................................... 2,197 Federal Funds and Repos:...................................... 0 Investments:.....................................................41,131 Total Loans:.....................................................44,812 Premises and Fixed A ssets............................. 2,174 Other Real Estate:.................................................. 26 Other A ssets:........................................................969 Total A ssets:....................................................91,309 Total Trust A ssets:................................................... 0  Deposits:......................................................79,286 Federal Funds and Borrowings:.................. 2,000 Other Liabilities:................................................ 926 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 82,212 Total Equity Capital and Reserves:.............9,097 Total Liabilities and Capital:.......................91,309 Number of Shares O utstanding:.............658,912  Directors: Fred E. Briner; Greg B. Brown; Ike Carter, Jr.; Curtis Ferguson; Jim D. Ferguson; Joe L. Finley; Susan E. Jester; Gary L. Keeter; I. E. McCray, Jr.; Larry R. Mitchell; John Young  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Benton (2), Little Rock  42  Arkansas State Bank Department  Community Bank Cabot, AR VOICE: (501) 843-3575 FAX: (501) 843-0463 Population: 8,319  One City Plaza P. O. Box 1028 72023-1028  Charter Number: 120 Date: March 23, 1903 County: Lonoke  Trust Department: Yes Bank Holding Company Cabot Bankshares, Inc., Cabot, AR Chm: Gerald H. Shock CEO/Pres: Joseph Wilkes Park Cash and Due from:............................ Federal Funds and Repos:................. Investments:........................................ Total Loans:......................................... Premises and Fixed Assets:.............. Other Real Estate:.............................. Other Assets:....................................... Total Assets......................................... Total Trust Assets:..............................  SVP/Cash: David Pickney TO: Debbie Kirby ..15,079 ... 4,530 . 46,960 169,207 . .. 4,801 ...... 558 .... 3,657 244,792 .. 18,742  Deposits:.....................................................207,657 Federal Funds and Borrowings:.................14,492 Other Liabilities:............................................. 1,974 Subordinated Debt:............................................... 0 Total Liabilities:..........................................224,123 Total Equity Capital and Reserves:.......... 20,669 Total Liabilities and Capital:.....................244,792 Number of Shares Outstanding:................ 25,000  Directors: Dearl Dixon; Cathy Eoff-Tiratto; Jerry Jones; Jack M. Lowman; Mark L. Magie; Joe W. Park; Joseph Wilkes Park; Gerald H. Shock; William G. Thompson; Stephen P. Tipton; William E. Williams; Larry Wood; Joan Zumwalt Branches in Town: Three  Other Branches: Sherwood, Ward  Beebe, Jacksonville,  First Bank of South Arkansas Camden, AR VOICE: (870)837-8300 FAX: (870) 837-8310 Population: 14,380  1325 Highway 4 Bypass P. O. Box 10 71711  Charter Number: 660 Date: August 28, 1933 County: Ouachita  Trust Department: No Bank Holding Company Harrell Bancshares, Inc., Camden, AR Chm/CEO: Searcy W. Harrell, Jr. Pres: John F. Marsh  EVP: Jonathan W. Harrell Cash: Barbara Daniels  Cash and Due from :.......................................... 4,139 Federal Funds and Repos:............................... 2,145 Investments:...................................................... 9.179 Total Loans:..................................................... 56.982 Premises and Fixed Assets:.............................2.990 Other Real Estate:.................................................... 7 Other Assets:..................................................... 1,519 Total Assets .................................................... 76.961 Total Trust Assets:.................................................... 0  Deposits:...................................................... 65,860 Federal Funds and Borrowings:..................3,581 Other Liabilities:................................................352 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 69,793 Total Equity Capital and Reserves:............ 7,168 Total Liabilities and Capital:...................... 76,961 Number of Shares Outstanding:............... 30,000  Directors: Harold W. Campbell; Randall W. Crowder; Phillip J. Foster; Alvin Green; Jonathan W. Harrell; Searcy W. Harrell, Jr.; Paul E. Lindsey; John F. Marsh; Richard Mosley; John David Neeley  Branches in Town: Two   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Junction City  43  Eighty-Fifth Report  Bank of Cave City Cave City, AR VOICE: (870) 283-5301 FAX: (870)283-6466 Population: 1,503  133 South Main Street P .O .B o x 490 72521-0490  Charter Number: 209 Date: July 2, 1906 County: Sharp  Trust Department: Yes Bank Holding Company Sharp Bancshares, Inc., Cave City, AR Chm: Eugene Street CEO/Pres/TO: Samuel F. Beller  SVP: Gayla Hickman SVP/Cash: Wanda Daniel  Cash and Due fro m :......................................... 2,816 Federal Funds and Repos:.............................. 2,150 Investments:.......................................................9,332 Total Loans:.....................................................36,146 Premises and Fixed Assets:............................... 672 Other Real Estate:................................................ 523 Other A ssets:.....................................................2,249 Total A ssets:....................................................53.888 Total Trust A ssets.............................................2,719  Deposits:......................................................48,198 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 582 Subordinated Debt:............................................... 0 Total Liabilities:............................................48,780 Total Equity Capital and Reserves:.............5,108 Total Liabilities and Capital:.......................53,888 Number of Shares Outstanding:................. 4,000  Directors: Samuel F. Beller; Dennis Esteb: Margie Pettersen; Bruce Street; Eugene Street; Scott Street Branches in Town: None  Other Branches: None  The Merchants and Planters Bank Clarendon, AR VOICE: (870) 747-3319 FAX: (870) 747-3498 Population: 2,072  297 Madison P. O. Box 280 72029-0280 Trust Department: No  Charter Number: 21 Date: July 23, 1890 County: Monroe  Bank Holding Company Clarendon Holding Co., Clarendon, AR Chm: James B. Sharp CEO/Pres: J. Perry Lee  Cash: Estelle Catlett  Cash and Due fro m :.............................................947 Federal Funds and Repos:...............................3,790 Investments:..................................................... 15,457 Total Loans:....................................................... 8,793 Premises and Fixed Assets:................................378 Other Real Estate:.....................................................7 Other A ssets:........................................................438 Total A ssets:....................................................29,810 Total Trust A ssets:................................................... 0  Deposits:......................................................26,516 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 169 Subordinated Debt:............................................... 0 Total Liabilities:............................................26,685 Total Equity Capital and Reserves:.............3,125 Total Liabilities and Capital:.......................29,810 Number of Shares Outstanding:................. 5,660  Directors: Donald A. Davis; Rheta Griffith; B. J. Hopson; J. Perry Lee; James B. Sharp; J. Baxter Sharp, III  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  44  Arkansas State Bank Department  Farmers Bank and Trust Company Clarksville, AR 214 Main Street P. O. Box 288 72830-0288  VOICE: (501) 754-2020 FAX: (501) 754-3492 Population: 5,833  Charter Number: 737 Date: July 6, 1978 County: Johnson  Trust Department: Yes Bank Holding Company First Security Bancorp, Searcy, AR Chm/CEO: Cole Martin Pres/TO: Lee White  SVP: Rebecca Dougan SVP: Nina Mason  Cash and Due from:.......................................... 2,744 Federal Funds and Repos:............................... 7,760 Investments:.................................................... 54.325 Total Loans:..................................................... 51,410 Premises and Fixed Assets:............................. 1,161 Other Real Estate:................................................193 Other Assets:..................................................... 3,524 Total Assets:.................................................. 121,117 Total Trust Assets:............................................ 2,299  Deposits:................................................... 106,788 Federal Funds and Borrowings.......................... 0 Other Liabilities:................................................608 Subordinated D ebt:.............................................. 0 Total Liabilities:........................................ 107,396 Total Equity Capital and Reserves:.......... 13,721 Total Liabilities and C apital:...................121,117 Number of Shares Outstanding:..................6,000  Directors: Herman Houston; Cole Martin; Steve Morgan; Dayne Phillips; Bill Porter; Reynie Rutledge; Lee White Branches in Town: One  Other Branches: Coal Hill  First Community Bank Conway, AR 1001 Front Street P. O. Box 938 72033  VOICE: (501)450-9800 FAX: (501)450-1899 Population: 26,481  Charter Number: 779 Date: April 15, 1999 County: Faulkner  Trust Department: No Member of Federal Reserve System Bank Holding Company First Security Bancorp, Searcy, AR Chm: Jack Bell CEO/Pres: J. Mark Ferguson  SVP: Mike Baldwin SVP: Wanda Fulmer  Cash and Due from :.......................................... 8,505 Federal Funds and Repos:............................... 3,285 Investments:.................................................... 44,783 Total Loans:.................................................. 104,084 Premises and Fixed Assets:.............................4,214 Other Real Estate:..................................................22 Other Assets:..................................................... 5,440 Total Assets:................................................. 170,333 Total Trust Assets:.................................................... 0  Deposits:................................................... 149,900 Federal Funds and Borrowings:..................... 994 Other Liabilities:.............................................1,127 Subordinated Debt:.............................................. 0 Total Liabilities:........................................ 152,021 Total Equity Capital and Reserves:.......... 18,312 Total Liabilities and Capital:................... 170,333 Number of Shares Outstanding:................54,000  Directors: D. Richard Arnold; Jack Bell; George E. Covington; Hal H. Crafton; J. Mark Ferguson; John H. Hawks, Jr.; Linda Linn; Robert B. Rook; Reynie Rutledge; Joe M. White  Branches in Town: Four   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Greenbrier  45  Eighty-Fifth Report  First State Bank Conway, AR VOICE: (501) 328-4663 FAX: (501) 328-4637 Population: 26,481  620 Chestnut Street P. O. Box 966 72032  Charter Number: 118 Date: May 12, 1903 County: Faulkner  Home Page: www.fsbhome.com Trust Department: No Bank Holding Company Home BancShares, Inc., Conway, AR Chm: John W. Allison CEO/Pres: C. Randall Sims  VChm: Robert H. Adcock EVP: Randy Mayor  Cash and Due fro m :..........................................3,951 Federal Funds and Repos:.............................12,385 Investments:..................................................... 15,740 Total Loans:.....................................................79,320 Premises and Fixed A ssets:............................ 1,492 Other Real Estate:.................................................... 0 Other A ssets:........................................................917 Total A ssets:..................................................113,805 Total Trust A ssets:................................................... 0  Deposits:......................................................89,844 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 234 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 90,078 Total Equity Capital and Reserves:.......... 23,727 Total Liabilities and Capital:.....................113,805 Number of Shares Outstanding:................. 2,400  Directors: Robert H. Adcock; John W. Allison; William Brazil; Dale Bruns; Jack Engelkes; William Farris; Alex Lieblong; Randy Mayor; William R. Reynolds; C. Randall Sims; Robert Whitehouse Other Branches: Holly Grove, Vilonia Branches in Town: Two  Corning Bank Corning, AR VOICE: (870) 857-3592 FAX: (870) 857-3309 Population: 3,323  501 West Second P. O. Box 439 72422-0439  Charter Number: 745 Date: June 15, 1984 County: Clay  Trust Department: No Bank Holding Company First Paragould Bankshares, Inc., Paragould, AR Chm: William E. Brewer CEO/Pres: Donis Simpson  VChm: Kelly G. Wright EVP: William M. Allen  Cash and Due fro m :......................................... 2,052 Federal Funds and Repos:..................................975 Investments:.....................................................21,452 Total Loans:.....................................................49,969 Premises and Fixed Assets:................................549 Other Real Estate:...................................................13 Other A ssets:.....................................................1,662 Total A ssets:....................................................76,672 Total Trust A ssets:................................................... 0  Deposits:......................................................64,624 Federal Funds and Borrowings:..........................0 Other Liabilities................................................. 385 Subordinated Debt:............................................... 0 Total Liabilities:............................................65,009 Total Equity Capital and Reserves:...........11,663 Total Liabilities and Capital:.......................76,672 Number of Shares O utstanding:............... 10,000  Directors: William E. Brewer; Mike Ford; Dr. George A. Haynes; Roy McSpadden; J. T. Meriwether; Donis Simpson; Charles E. Williamson; Kelly G. Wright  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Knobel  46  Arkansas State Bank Department  First State Bank Crossett, AR VOICE: (870)364-5131 FAX: (870)364-6329 Population: 6,282  123 Main P. 0. Box 638 71635-0638  Charter Number: 718 Date: May 13, 1963 County: Ashley  Trust Department: No Bank Holding Company Evergreen Bancshares, Inc., Crossett, AR Chm: Richard E. Griffin CEO/Pres: Kenneth Allbritton  SVP: Jeanie Parker  Cash and Due from:.......................................... 2,088 Federal Funds and Repos:.................................. 395 Investments:...................................................... 9,033 Total Loans:..................................................... 23,325 Premises and Fixed Assets:................................ 449 Other Real E state:................................................286 Other Assets:........................................................ 876 Total Assets:.................................................... 36,452 Total Trust Assets:.................................................... 0  Deposits:...................................................... 32,479 Federal Funds and Borrowings:......................... 0 Other Liabilities:................................................397 Subordinated Debt............................................... 0 Total Liabilities:........................................... 32,876 Total Equity Capital and Reserves:............ 3,576 Total Liabilities and C apital:...................... 36,452 Number of Shares Outstanding:............ 100,000  Directors: Bill G. Barnett; Richard E. Griffin; Larry W. Johnson; Marolyn Lloyd; H. D. Stephens, Sr.; Henry Thomas Branches in Town: Two  Other Branches: None  Danville State Bank Danville, AR VOICE: (501)495-2236 FAX: (501)495-4650 Population: 1,585  901 Main P .O .B o x 609 72833-0609  Charter Number: 615 Date: October 3, 1930 County: Yell  Home Page: www.danvillebank.com Trust Department: Yes Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm: John Ed Chambers, III Pres: Edward J. Taylor  SVP: Zelta Bell SVP: Vickie Rounsaville  Cash and Due from:.......................................... 3,288 Federal Funds and Repos:.................................. 815 Investments:.................................................... 33,255 Total Loans:..................................................114,399 Premises and Fixed Assets:............................. 1,038 Other Real Estate:.................................................. 17 Other Assets:..................................................... 3,110 Total Assets:................................................. 155,922 Total Trust Assets:....................................................0  Deposits:................................................... 138,730 Federal Funds and Borrowings:....................... 41 Other Liabilities:............................................. 1,122 Subordinated Debt:.............................................. 0 Total Liabilities:........................................ 139,893 Total Equity Capital and Reserves:.......... 16,029 Total Liabilities and Capital:................... 155,922 Number of Shares Outstanding:................10,000  Directors: John Ed Chambers, III; Bill Do Sloan; Edward J. Taylor; Robert Y. Taylor  ; Fay Mathis; James C. Pledger; Charles L.  Branches in Town: None  Other Branches: Havana, Hot Springs, Hot Springs Village   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  47  Eighty-Fifth Report  Bank of Dardanelle Dardanelle, AR VOICE: (501) 229-3311 FAX: (501) 229-4180 Population: 3,722  102 North Front Street P. 0. Box 577 72834-0577  Charter Number: 668 Date: September 12, 1934 County: Yell  Trust Department: Yes Bank Holding Company Bank of Dardanelle Bankshares, Inc., Dardanelle, AR Pres: Ronald L. Taylor  Cash: Janelle Parker  Cash and Due fro m .......................................... 5,792 Federal Funds and Repos:.............................19,045 Investments:..................................................... 10,846 Total Loans:.....................................................62,970 Premises and Fixed Assets:............................ 2,769 Other Real Estate:.................................................... 0 Other A ssets:.....................................................2,154 Total A ssets:..................................................103,576 Total Trust A ssets:................................................... 0  Deposits.......................................................91.719 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 418 Subordinated Debt:............................................... 0 Total Liabilities:............................................92,137 Total Equity Capital and Reserves:...........11,439 Total Liabilities and Capital:.....................103,576 Number of Shares O utstanding:................. 8,000  Directors: Thomas C. Berryhill; Bunny Bullock; Tom Ed Bullock; William R. Bullock; Fanny B. George; Dee Berryhill Longenbaugh; H. M. Orsburn; Ronald L. Taylor Branches in Town: One  Other Branches: Atkins, Danville, Dover, Russellville  Decatur State Bank Decatur, AR VOICE: (501) 752-3281 FAX: (501) 752-8154 Population: 918  Hwy. 59 North Charter Number: 707 P. O. Box 38 Date: May 27, 1954 72722-0038 County: Benton Home Page: www.decaturstatebank.com Trust Department: No Bank Holding Company Decatur Bancshares, Inc., Decatur, AR  Chm: Lloyd E. Peterson CEO/Pres: Vernon L. Austin  Cash: Wanda Tormey  Cash and Due fro m :......................................... 4,939 Federal Funds and Repos:...................................... 0 Investments:..................................................... 16,893 Total Loans:.....................................................75,546 Premises and Fixed A ssets:............................ 2,659 Other Real Estate:.... , ..........................................443 Other A ssets:.....................................................1,496 Total A ssets:..................................................101,976 Total Trust A ssets:................................................... 0  Deposits:......................................................84,561 Federal Funds and Borrowings:.................. 2,800 Other Liabilities:................................................ 319 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 87,680 Total Equity Capital and Reserves:...........14,296 Total Liabilities and Capital:.....................101,976 Number of Shares Outstanding:................. 7,000  Directors: Vernon L. Austin; Larry D. Curran; Tom M. Edmiston; L. Victor Evans; Paul Galyean; Aaron Holcombe; Mark Londagin; Lloyd E. Peterson; Richard E. Wilmoth  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Gentry, Siloam Springs  48  Arkansas State Bank Department  Bank of Delight Delight, AR VOICE: (870) 379-2293 FAX: (870) 379-2575 Population: 311  2nd and Antioch P .O .B o x 68 71940-0068  Charter Number: 342 Date: June 16, 1911 County: Pike  Trust Department: No Bank Holding Company None Chm: Clarence Anthony CEO/Pres: Darwin Hendrix  EVP: Kent Hendrix SVP: Larry May  Cash and Due from :.................. Federal Funds and Repos:........ Investments:............................... Total Loans:................................ Premises and Fixed Assets:..... Other Real Estate:..................... Other Assets:.............................. Total Assets:............................... Total Trust Assets:.....................  .3,289 ..4,535 18,704 37,605 .... 227 ......... .. 1,097 65,457 .........0  0  Deposits:...................................................... 55,301 Federal Funds and Borrowings:.........................0 Other Liabilities:............................................... 513 Subordinated D ebt:..............................................0 Total Liabilities:...........................................55,814 Total Equity Capital and Reserves:............9,643 Total Liabilities and C apital:..................... 65,457 Number of Shares Outstanding:............... 18,750  Directors: Clarence Anthony; Gary Chambliss; Buford Hendrix; Darwin Hendrix; Kent Hendrix; Cecil E. Johnson, III; Larry May; Jerry Milam Branches in Town: None  Other Branches: Prescott  First State Bank of DeQueen DeQueen, AR VOICE: (870)642-4423 FAX: (870)642-2847 Population: 4,633  310 North Third P. O. Box 970 71832-0970  Charter Number: 731 Date: August 26, 1974 County: Sevier  Trust Department: No Member of Federal Reserve System Bank Holding Company First State Bancshares, Inc., DeQueen, AR  Chm: Art Melson CEO/Pres: Keith Melson  EVP: Noel Bard  Cash and Due from:......................... ............ 1,742 Federal Funds and Repos:.............. ............... 740 Investments:.................................... ............ 9,189 Total Loans:..................................... .......... 15,706 Premises and Fixed Assets:............ ............... 819 Other Real Estate:........................... ....................0 Other Assets:................................... ............... 822 Total Assets:.................................... .......... 29,018 Total Trust Assets:........................... ................... 0  Deposits:............................................ .... 24,647 Federal Funds and Borrowings:........ ........... 57 Other Liabilities:................................. ......... 180 Subordinated Debt:............................ ............. 0 Total Liabilities:.................................. .... 24,884 Total Equity Capital and Reserves:.... ...... 4,134 Total Liabilities and Capital:.............. ....29,018 Number of Shares Outstanding:........ ....76,000  Directors: Gary Bell; Lou Ellen Gray; R. S. Harris; Art Melson; Keith Melson; Ron Moore; Edward Revels; Dennis Smiley; Don Stemple; Doug Suttle  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  49  Eighty-Fifth Report  DeWitt Bank And Trust Company DeWitt, AR VOICE: (870) 946-3531 FAX: (870)946-2815 Population: 3,553  Second and Jefferson Streets P. O. Drawer 71 72042-0071  Charter Number: 605 Date: March 1, 1929 County: Arkansas  Trust Department: Yes Bank Holding Company DBT Financial Corporation, DeWitt, AR Chm: Elmer A. Ferguson CEO/Pres: Gary Hudson  VChm: Julian Brown VP/TO: Lloyd E. Wallace  Cash and Due fro m :..........................................3,577 Federal Funds and Repos....................................... 0 Investments:.....................................................31,170 Total Loans:.....................................................91,274 Premises and Fixed A ssets:............................... 478 Other Real Estate:.................................................. 46 Other A ssets:.....................................................2,622 Total A ssets:..................................................129,167 Total Trust A ssets:......................................... 29,944  Deposits:......................................................94,584 Federal Funds and Borrowings:................ 11,300 Other Liabilities:................................................ 721 Subordinated Debt:............................................... 0 Total Liabilities:..........................................106,605 Total Equity Capital and Reserves:.......... 22,562 Total Liabilities and Capital:.....................129,167 Number of Shares Outstanding:............... 54,000  Directors: Julian Brown; E. E. Denman; Donald Ray Dickson; Rebecca Ehrlicher; Elmer A. Ferguson; Alton R. Hampton; Wayne Hampton; Gary Hudson; Charles E. Lumsden; Carolyn F. Pryor; Nancy F. Rasco; Jack Whitmore Branches in Town: None  Other Branches: None  Merchants & Farmers Bank Dumas, AR 130 West Waterman Street P. O. Box 187 71639-0187  VOICE: (870) 382-4311 FAX: (870) 382-5901  Population: 5,520  Charter Number: 278 Date: May 10, 1909 County: Desha  Trust Department: Yes Bank Holding Company M & F Financial Corporation, Dumas, AR Chm/COO: L. Ashton Adcock CEO/Pres: J. Michael Jones Cash and Due fro m :......................................... 2,518 Federal Funds and Repos:...................................... 0 Investments:.....................................................21,410 Total Loans:.....................................................38,868 Premises and Fixed Assets:.............................1,124 Other Real Estate:.................................................... 0 Other A ssets:.....................................................1,479 Total A ssets:................................................... 65,399 Total Trust A ssets:..........................................16,980  EVP: David J. Garrett TO: Glenda B. Owen Deposits:......................................................54.911 Federal Funds and Borrowings:......................540 Other Liabilities:.................................................161 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 55,612 Total Equity Capital and Reserves:.............9,787 Total Liabilities and Capital:.......................65,399 Number of Shares O utstanding:...............40,000  Directors: L. Ashton Adcock; Robert H. Adcock, Jr.; Jimmie L. Appleberry; Claud T. Frank; Bruce Gasaway; Marion S. Gill; J. Michael Jones; Clifton L. Meador; William W. Shea; David Walt  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  Arkansas State Bank Department  50  Simmons First Bank of Dumas Dumas, AR VOICE: (870) 382-4204 FAX: (870) 382-2084 Population: 5,520  Hwy. 65 & 54 P. O. Box 915 71639-0915  Charter Number: 729 Date: January 11, 1974 County: Desha  Trust Department: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Dennis H. Ferguson  VP: Terry Wood  Cash and Due from :.......................................... 1,539 Federal Funds and Repos:............................... 1,760 Investments:...................................................... 9,917 Total Loans:......................................................18,841 Premises and Fixed Assets:................................ 554 Other Real Estate:.................................................... 0 Other Assets:......................................................1.264 Total Assets:.................................................... 33,875 Total Trust Assets:.................................................... 0  Deposits:...................................................... 29,592 Federal Funds and Borrowings:......................... 0 Other Liabilities:............................................... 486 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 30,078 Total Equity Capital and Reserves:............ 3,797 Total Liabilities and C apital:...................... 33,875 Number of Shares Outstanding:............... 30,000  Directors: Freddie Black; Kelly Farmer; Dennis H. Ferguson; A. O. French; Dr. Howard R. Harris; John Rogers; William F. Teeter; William A. West Branches in Town: None  Other Branches: None  First Financial Bank El Dorado, AR VOICE: (870) 863-7000 FAX: (870) 881-5393 Population: 23,146  214 North Washington Street P. O. Box 1754 71730-1754 Trust Department: No  Charter Number. 778 Date: April 15, 1999 County: Union  Member of Federal Reserve System Bank Holding Company First Financial Banc Corporation, El Dorado, AR Chm: Edwin B. Alderson, Jr. CEO: J. Stephen Cameron  Pres: Rodney Landes  Cash and Due from:.......................................... 5,638 Federal Funds and Repos:.......................................0 Investments:.................................................... 37,540 Total Loans:................................................... 191,148 Premises and Fixed Assets:........................... 10,861 Other Real E state:.............................................1,105 Other Assets:................................................... 14,582 Total Assets:..................................................260,874 Total Trust Assets.....................................................0  Deposits:.................................................... 230.577 Federal Funds and Borrowings:..................9,488 Other Liabilities:.............................................1,333 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 241,398 Total Equity Capital and Reserves:.......... 19,476 Total Liabilities and Capital:.................... 260.874 Number of Shares Outstanding:............. 594,398  Directors: Edwin B. Alderson, Jr.; Robert R. Brown, Jr.; Jerry Bullard; J. Stephen Cameron; Robert Merkle; John Milam; James M. Moore, Jr.; Dr. Robert M. Murfee; William C. Nolan, Jr.; Gary Sewell; L. Knox White Branches in Town: Four   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Conway (2), Fayetteville (2), Rogers, Siloam Springs, Smackover, Springdale (2)  51  Eighty-Fifth Report  The Delta State Bank Elaine, AR 128 Main Street P. 0. Box 359 72333-0359  VOICE: (870) 827-3397 FAX: (870) 827-3377 Population: 846  Charter Number: 697 Date: December 30, 1947 County: Phillips  Trust Department: No Bank Holding Company Southern Development Bancorporation, Inc., Arkadelphia, AR CEO/Pres/Cash: Mary Louise Demoret Fiser VP: James E. Tucker Cash and Due fro m :......................................... 724 Federal Funds and Repos:.............................. 1,285 Investments:...................................................... 2,422 Total Loans:........................................................ 1,761 Premises and Fixed Assets:................................ 12 Other Real E s ta te .................................................... 0 Other A ssets:....................................................... 357 Total A ssets:....................................................... 6,561 Total Trust A ssets:..................................................0  Deposits:........................................... Federal Funds and Borrowings:.... Other Liabilities:.............................. Subordinated Debt:............. Total Liabilities:.................................  5,842 .......0 .... 41 .......0 5,883  Total Equity Capital and Reserves: Total Liabilities and Capital:.... Number of Shares Outstanding: ...  ... 678 6,561 1,600  Directors: W. H. Brandon, Jr.; Mary Louise Demoret Fiser; Bart R. Lindsey; David Solomon Branches in Town: None  Other Branches: None  The Bank of Elkins Elkins, AR VOICE: (501) 643-2131 FAX: (501)643-2651 Population. 692  348 North Center P. O. Box 333 72727-0333 Trust Department: No  Charter Number: 377 Date: June 1, 1912 County: Washington  Bank Holding Company Community Investment, Inc., Elkins, AR Chm/CEO: Joel L. Bunch Pres: Joyce R. Bunch  EVP: Johnnie J. Qualls Cash: Dolores A. Lankford  Cash and Due fro m :......................................... 3,985 Federal Funds and Repos:.............................. 2,925 Investments:.......................................................9,147 Total Loans:.....................................................49,776 Premises and Fixed Assets:.............................1,180 Other Real Estate:.............................................. 102 Other A ssets:.....................................................5,380 Total A ssets:....................................................72,495 Total Trust A ssets:................................................... 0  Deposits:......................................................59,545 Federal Funds and Borrowings:......................689 Other Liabilities:................................................ 267 Subordinated Debt................................................ 0 Total Liabilities:............................................60,501 Total Equity Capital and Reserves:...........11,994 Total Liabilities and Capital:.......................72,495 Number of Shares O utstanding:............... 10,000  Directors: Joel L. Bunch; Joyce R. Bunch; Sarah L. Bunch; John Ed Chambers, III; David R. Malone, Robert Y. Taylor; Miller Williams  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Fayetteville, Goshen  52  Arkansas State Bank Department  Bank of England England, AR VOICE: (501) 842-2555 FAX: (501) 842-2422 Population: 3,351  Charter Number: 48 Date: August 8, 1898 County: Lonoke  123 South Main Street P. O. Box 70 72046-0070 Trust Department: No  Bank Holding Company MHBC Investments Limited Partnership, I, England, AR Chm/CEO/Pres: Gary Canada EVP: Hanna B. Canada  VP: Otha E. Frizzell VP: Bobby Montgomery  Cash and Due from :.......................................... 2,460 Federal Funds and Repos:.......................................0 Investments:.................................................... 11,820 Total Loans:..................................................... 41,846 Premises and Fixed Assets:............................. 1,595 Other Real Estate:.................................................... 0 Other Assets:..................................................... 2,145 Total Assets:.................................................... 59,866 Total Trust Assets:.................................................... 0  Deposits:...................................................... 47,468 Federal Funds and Borrowings:..................7,260 Other Liabilities:................................................271 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 54,999 Total Equity Capital and Reserves:............ 4,867 Total Liabilities and C apital:...................... 59,866 Number of Shares Outstanding:................10,000  Directors: Neal Anderson; Gary Canada; Gary Canada, Jr.; Hanna B. Canada; Samuel C. Cobb; Otha E. Frizzell; Leon Hill Branches in Town: None  Other Branches: Lonoke, Scott  The Eudora Bank Eudora, AR VOICE: (870) 355-8311 FAX: (870) 355-8509 Population: 3,155  111 North Main Street P. O. Box 250 71640-0250  Charter Number: 629 Date: December 23, 1930 County: Chicot  Trust Department: No Bank Holding Company Delta Bancshares, Inc., Eudora, AR Chm: W. K. Grubbs CEO/Pres: Gene Keith  EVP: Julie Petty AVP: Dian Jones  Cash and Due from :.......................................... 1,403 Federal Funds and Repos:.......................................0 Investments:.................................................... 15,120 Total Loans:......................................................15,718 Premises and Fixed Assets:................................ 425 Other Real E state:.................................................... 0 Other Assets:.........................................................792 Total Assets:.................................................... 33,458 Total Trust Assets:.................................................... 0  Deposits:...................................................... 27,854 Federal Funds and Borrowings:..................1,800 Other Liabilities:................................................115 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 29,769 Total Equity Capital and Reserves:............ 3,689 Total Liabilities and Capital:...................... 33,458 Number of Shares Outstanding:................14,000  Directors: Kay Avery; Robert D. Avery; W. K. Grubbs; Fred W. Hensley; Roger Hensley; Gene Keith; Charles F. Poole; W. R. Selman  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  53  Eighty-Fifth Report  Bank of Eureka Springs Eureka Springs, AR VOICE: (501) 253-8241 FAX: (501) 253-6947 Population: 1,900  70 South Main P. O. Box 309 72632-0309  Charter Number: 374 Date: May 4, 1912 County: Carroll  Trust Department: No Bank Holding Company None Chm/CEO/Pres: John F. Cross EVP: Charles T. Cross  Cash: Reba Pyatt  Cash and Due fro m :..........................................5,936 Federal Funds and Repos:...................................... 0 Investments:.....................................................23,635 Total Loans:.....................................................42,393 Premises and Fixed A ssets:.............................1,232 Other Real Estate:................................................ 696 Other A ssets:.....................................................1,064 Total A ssets:....................................................74,956 Total Trust A ssets:................................................... 0  Deposits:......................................................61,031 Federal Funds and Borrowings:.................. 4,369 Other Liabilities:................................................ 364 Subordinated Debt:............................................... 0 Total Liabilities:............................................65,764 Total Equity Capital and Reserves:.............9,192 Total Liabilities and Capital:.......................74,956 Number of Shares Outstanding:................. 4,000  Directors: James D. Bird; Gene Bland; A.J. Clark; Charles T. Cross; Claude C. Cross; John F. Cross; Ruth F. Cross; Lewis E. Epley, Jr.; Jimmy D. Evans; William E. Goff; Rex A. Gustin; Dorothy F. Mathews; Michael Mathews; Archie B. Ryan, Jr.; Randy Wolfinbarger Branches in Town: Three  Other Branches: None  Bank of Evening Shade Evening Shade, AR VOICE: (870) 266-3215 FAX: (870) 266-3514 Population: 328  Hwy 167 South P. O. Box 130 72532-0130  Charter Number: 69 Date: February 5, 1901 County: Sharp  Trust Department: No Bank Holding Company Sharp Bancshares, Inc., Cave City, AR Chm/CEO/Pres: A. L. Hoaney VChm: Samuel F. Beller  SVP/Cash: Frances M. Estes VP: Dennis Esteb  Cash and Due fro m :..........................................1,371 Federal Funds and Repos:..................................710 Investments:....................................................... 3,882 Total Loans:....................................................... 7,588 Premises and Fixed Assets:..................................46 Other Real Estate:.................................................. 56 Other A ssets:........................................................ 508 Total A ssets:.................................................... 14,161 Total Trust A ssets:................................................... 0  Deposits:...................................................... 12,842 Federal Funds and Borrowings:..........................0 Other Liabilities:.................................................. 66 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 12,908 Total Equity Capital and Reserves:............. 1,253 Total Liabilities and Capital:....................... 14,161 Number of Shares O utstanding:................. 6,200  Directors: Samuel F. Beller; Dennis Esteb; A. L. Hoaney; Margie Pettersen; Bruce Street; Scott Street  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  54  Arkansas State Bank Department  Mcllroy Bank & Trust Fayetteville, AR VOICE: (501) 575-1000 FAX: (501) 575-1061 Population: 42,099  One Mcllroy Plaza P. O. Box 1327 72702-1327  Charter Number: 31 Date: December 24, 1892 County: Washington  Trust Department: Yes Member of Federal Reserve System Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Chm: Jim C. Walton CEO/Pres: James C. Glenn  EVP: Gary R. Head  Cash and Due from:........................................ 14,592 Federal Funds and Repos:.................................. 625 Investments:.................................................... 85,053 Total Loans:..................................................357,111 Premises and Fixed Assets:............................. 9,411 Other Real Estate:................................................594 Other Assets:..................................................... 6,689 Total Assets:..................................................474,075 Total Trust Assets:....................................................0  Deposits:.................................................... 364,704 Federal Funds and Borrowings:................69,272 Other Liabilities:............................................ 2,767 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 436,743 Total Equity Capital and Reserves:.......... 37,332 Total Liabilities and C apital:....................474,075 Number of Shares Outstanding:............. 350,692  Directors: Larry Bittle; Oma Blackwell; Carl Collier; James C. Glenn; Millard Goff; Fred Hanna; Ann Henry; Paul Pinneo; Charles F. Scharlau; Fred S. Vorsanger; Jim C. Walton; Doyle Williams Branches in Town: Seven Other Branches: None  Fordyce Bank & Trust Company Fordyce, AR VOICE: (870) 352-3107 FAX: (870) 352-5202 Population: 4,729  200 W. Fourth Street 71742-2202  Charter Number: 631 Date: January 5, 1931 County: Dallas  Trust Department: Yes Bank Holding Company FBT Bancshares, Inc., Fordyce, AR Chm/CEO/Pres/TO: James V. Hulse, Jr. EVP: Suzette Crutchfield  SVP/Cash: Wanda Smurl VP: David Sisson  Cash and Due from :.......................................... 1,918 Federal Funds and Repos:............................... 3,650 Investments:.................................................... 14,824 Total Loans:..................................................... 32,241 Premises and Fixed Assets:............................. 1,531 Other Real E state:.................................................... 0 Other Assets:..................................................... 1.343 Total Assets:.................................................... 55,507 Total Trust Assets:.............................................1,038  Deposits:...................................................... 50,459 Federal Funds and Borrowings:..................... 205 Other Liabilities:................................................305 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 50,969 Total Equity Capital and Reserves:............ 4,538 Total Liabilities and Capital:...................... 55,507 Number of Shares Outstanding:..................8,000  Directors: D. J. Barnes; Joe D. Barnes; Suzette Crutchfield; J. W. Hearnsberger; James V. Hulse, Jr.; Melvin Jackson; Roy McClain; Thomas E. Sparks; Charles B. Trussed  Branches in Town: Two   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Rison  55  Eighty-Fifth Report  Planters & Merchants Bank Gillett, AR VOICE: (870) 548-2211 FAX: (870) 548-2213 Population: 883  210 West Main P. 0. Box 357 72055-0357  Charter Number: 721 Date: January 13, 1967 County: Arkansas  Trust Department: Yes Bank Holding Company Planters & Merchants Bancshares, Inc., Gillett, AR Chm: Keneth Smith CEO/Pres/TO: Larry E. Bauer  VP: Tom Deckelman Cash: Alice Perritt  Cash and Due fro m :.............................................748 Federal Funds and Repos:...............................2,315 Investments:.......................................................4,392 Total Loans:..................................................... 17,771 Premises and Fixed Assets:................................117 Other Real Estate:.................................................. 76 Other A ssets:.....................................................1,030 Total A ssets:....................................................26,449 Total Trust A ssets:............................................... 500  Deposits:......................................................23,143 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 167 Subordinated Debt:............................................... 0 Total Liabilities:............................................23,310 Total Equity Capital and Reserves:.............3,139 Total Liabilities and Capital:.......................26,449 Number of Shares O utstanding:............... 12,000  Directors: Larry E. Bauer; Johnny Holzhauer; Darrel Nichols; Scott Place; Darrall Richter; Keneth Smith; Bobby Turner; Frank C. Wolfe Branches in Town: None  Other Branches: None  The Bank of Glenwood Glenwood, AR VOICE: (870) 356-2121 FAX: (870) 356-2211 Population: 1,354  Broadway & Pulliam P. O. Box 800 71943-0800  Charter Number: 398 Date: December 27, 1912 County: Pike  Trust Department: No Bank Holding Company Bainum Bancorp, Glenwood, AR Chm: Irvin C. Bainum CEO/Pres: Harold A. Smith  SVP: Lynda Robbins VP/Cash: Patricia Owens  Cash and Due fro m :......................................... 4,944 Federal Funds and Repos:..................................300 Investments:..................................................... 14,971 Total Loans:.....................................................53,937 Premises and Fixed A ssets:............................ 2,808 Other Real Estate:.....................................................0 Other A ssets:........................................................727 Total A ssets:....................................................77,687 Total Trust A ssets:................................................... 0  Deposits:......................................................68,772 Federal Funds and Borrowings:...................1,387 Other Liabilities:.................................................153 Subordinated Debt................................................ 0 Total Liabilities:............................................70,312 Total Equity Capital and Reserves:.............7,375 Total Liabilities and Capital:.......................77,687 Number of Shares O utstanding:...............44,000  Directors: Irvin C. Bainum; Mark Bainum; Tim Bainum; Richard Cox; Larry Mitchell; Harold A. Smith; L. J. Warneke  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Mount Ida  Hot Springs, Mena,  56  Arkansas State Bank Department  Bank of Gravett Gravette, AR VOICE: (501) 787-5251 FAX: (501) 787-6102 Population: 1,412  211 East Main P. O. Box 149 72736-0149  Charter Number: 46 Date: February 28, 1898 County: Benton  Trust Department: No Bank Holding Company None CEO/Pres: John R. Meade EVP: David N. Wills  VP: Jim Allen Edmonson VP: William R. Meade  Cash and Due from :.......................................... 3,951 Federal Funds and Repos:............................... 1,500 Investments:.................................................... 58,851 Total Loans:..................................................... 81,497 Premises and Fixed Assets:............................. 1,505 Other Real Estate:.................................................... 0 Other Assets:..................................................... 1,898 Total Assets:................................................. 149,202 Total Trust Assets:.................................................... 0  Deposits:.................................................... 131,496 Federal Funds and Borrowings:......................... 0 Other Liabilities:............................................... 400 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 131,896 Total Equity Capital and Reserves:.......... 17,306 Total Liabilities and C apital:................... 149,202 Number of Shares Outstanding:..................4,000  Directors: George Cowgur; Albert Dunagin; Jim Allen Edmonson; George Haley; John R. Meade; William R. Meade; David N. Wills Branches in Town: One  Other Branches: Hiwasse  First Service Bank Greenbrier, AR 134 South Broadview P. O. Box 430 72058-0430  VOICE: (501)679-7300 FAX: (501)679-6461 Population: 2,130  Charter Number: 732 Date: October 15, 1976 County: Faulkner  Trust Department: No Bank Holding Company First Service Bancshares, Inc., Dermott, AR Chm: Daniel C. Horton  CEO/Pres: Tom H. Grumbles  Cash and Due from:.......................................... 2,857 Federal Funds and Repos:.................................. 260 Investments:.................................................... 19,519 Total Loans:..................................................... 30,939 Premises and Fixed Assets:.............................2,801 Other Real E state:.................................................... 0 Other Assets:......................................................1,230 Total Assets:.................................................... 57,606 Total Trust Assets:.................................................... 0  Deposits:...................................................... 50,970 Federal Funds and Borrowings:.....................694 Other Liabilities:............................................... 470 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 52,134 Total Equity Capital and Reserves:............ 5,472 Total Liabilities and Capital:...................... 57,606 Number of Shares Outstanding:................15,000  Directors: James Beavers; Paul Bone; Dr. Gary Bowman; Melton Cotton; Tom H. Grumbles; Jim Hawks; Dr. Kyle D. Hensley; Daniel C. Horton; Dois Johnson; Jerry Kimbrough; W. H. McCaslin; Larry Oaks  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Clinton, Dermott  57  Eighty-Fifth Report  Farmers Bank Greenwood, AR VOICE: (501)996-4171 FAX: (501) 996-6700 Population: 3,984  125 West Center P. O. Box 610 72936-0610  Charter Number: 243 Date: August 7, 1907 County: Sebastian  Trust Department: Yes Bank Holding Company Wilkinson Banking Corporation, Greenwood, AR Chm: Elizabeth Wilkinson CEO: Stanhope Wilkinson  Pres/Cash/TO: Edward Wilkinson VP: Tresa Lowe  Cash and Due fro m :......................................... 3,019 Federal Funds and Repos:...............................1,375 Investments:.....................................................57,801 Total Loans:.....................................................68,824 Premises and Fixed A ssets:............................ 4,004 Other Real Estate:............................................. 1,023 Other A ssets:.....................................................2,027 Total A ssets:..................................................138,073 Total Trust A ssets:............................................ 1,131  Deposits:....................................................110,002 Federal Funds and Borrowings:..................... 208 Other Liabilities:................................................ 847 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 111,057 Total Equity Capital and Reserves:.......... 27,016 Total Liabilities and Capital:..................... 138,073 Number of Shares O utstanding:................. 7,500  Directors: Tresa Lowe; Edward Wilkinson; Elizabeth Wilkinson; Norman Wilkinson; Stanhope Wilkinson Other Branches: Bonanza, Fort Smith (2), Hackett, Hartford  Branches in Town: Two  First State Bank of Gurdon Gurdon, AR VOICE: (870) 353-2521 FAX: (870) 353-2314 Population: 2,199  100 East Main P. O. Box 446 71743-0446  Charter Number: 61 Date: August 4, 1900 County: Clark  Trust Department: No Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR Chm: Neil Bennett, Jr. CEO: David R. Estes  Pres: John R. French  Cash and Due fro m :.............................................415 Federal Funds and Repos:......................................4 Investments:..................................................... 19,109 Total Loans:..................................................... 15,739 Premises and Fixed A ssets:................................829 Other Real Estate:.................................................... 0 Other A ssets:.....................................................1,292 Total A ssets:....................................................37,388 Total Trust A ssets:................................................... 0  Deposits:......................................................32,484 Federal Funds and Borrowings:......................635 Other Liabilities:.................................................. 87 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 33,206 Total Equity Capital and Reserves: ............ 4,182 Total Liabilities and Capital:.......................37,388 Number of Shares O utstanding:............... 38,389  Directors: Neil Bennett, Jr.; Charles L. Cabe, Jr.; David R. Estes; John R. French; Tracy M. French; J. L. Griffin  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  58  Arkansas State Bank Department  Farmers Bank Hamburg, AR VOICE: (870) 853-5222 FAX: (870) 853-2333 Population: 3,098  210 North Main P. O. Box 350 71646-0350  Charter Number: 680 Date: March 10, 1941 County: Ashley  Trust Department: No Bank Holding Company None Chm: P. E. Barnes CEO/Pres: Dan Wingard  EVP: Gene Crawford VP: Virginia Bowman  Cash and Due from :.......................................... 7,007 Federal Funds and Repos:...................................170 Investments:...................................................... 8,542 Total Loans:..................................................... 24,714 Premises and Fixed Assets:............................. 1,090 Other Real Estate:....................................................0 Other Assets:........................................................ 954 Total Assets:.................................................... 42,477 Total Trust Assets:....................................................0  Deposits:...................................................... 37,712 Federal Funds and Borrowings:..................... 115 Other Liabilities:............................................... 253 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 38,080 Total Equity Capital and Reserves:............ 4,397 Total Liabilities and Capital:...................... 42,477 Number of Shares Outstanding:............... 22,260  Directors: P. E. Barnes; Phil Barnes; Robert Barnes; Jimmy Clark; Gene Crawford; William Foote; Nancy Foote Spivey; William E. Johnson; Jack Shell; John W. Spivey; Dan Wingard; Bobby Witherington Branches in Town: None  Other Branches: Crossett  Calhoun County Bank Hampton, AR VOICE: (870) 798-2207 FAX: (870) 798-4830 Population: 1,562  205 Main Street P. O. Box 8 71744-0008  Charter Number: 220 Date: October 26, 1906 County: Calhoun  Trust Department: No Bank Holding Company Harrell Bancshares, Inc., Camden, AR Chm/CEO: Searcy W. Harrell, Jr. Pres: B. Dickson Neal  VP: Shirley Jones Cash: Wanda Welch  Cash and Due from:.......................................... 1,433 Federal Funds and Repos:.......................................0 Investments:.................................................... 14,852 Total Loans:..................................................... 24,644 Premises and Fixed Assets:................................ 227 Other Real E state:....................................................5 Other Assets ........................................................ 575 Total Assets ...................................................41.736 Total Trust Assets ....................................................0  Deposits:...................................................... 34,191 Federal Funds and Borrowings:..................2,401 Other Liabilities:................................................192 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 36,784 Total Equity Capital and Reserves:............ 4,952 Total Liabilities and Capital:...................... 41,736 Number of Shares Outstanding:..................4,000  Directors: L. D. Becton, III; Gene Dereuisseaux; Phillip J. Foster; Jonathan W. Harrell; Len Harrell; Searcy W. Harrell, Jr.; B. Dickson Neal; Richard L. Smith; Jannette H. Strickland; D. W. Wells; H. M. Welsh  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  59  Eighty-Fifth Report  The Bank of Harrisburg Harrisburg, AR VOICE: (870) 578-2472 FAX: (870) 578-2049 Population: 1,943  201 East Jackson 72432-0017  Charter Number: 620 Date: December 2, 1930 County: Poinsett  Trust Department: No Bank Holding Company Lake Hamilton Enterprises, Inc., Little Rock, AR Chm: Jim Tom Butler CEO/Pres: James Williams  VP/Cash: Donald Britnell  Cash and Due fro m :..........................................1,104 Federal Funds and Repos:...................................... 0 Investments:.............................................. ..... 27,618 Total Loans:.....................................................34,381 Premises and Fixed A ssets:............................... 220 Other Real Estate:.................................................. 45 Other A ssets:.....................................................1,274 Total A ssets.....................................................64,642 Total Trust A ssets:................................................... 0  Deposits:......................................................56,668 Federal Funds and Borrowings:..................... 500 Other Liabilities:................................................ 454 Subordinated Debt:...............................................0 Total Liabilities:............................................57,622 Total Equity Capital and Reserves:.............7,020 Total Liabilities and Capital:.......................64,642 Number of Shares O utstanding:................. 4,000  Directors: Donald Britnell; Anna Margaret Butler; Connie Butler; Jim Tom Butler; Patricia Butler; Elizabeth B. Eaton; Paul D. Eaton; John M. Henry; James Williams Branches in Town: None  Other Branches: None  Community First Bank Harrison, AR VOICE: (870) 391-8000 FAX: (870)391-8025 Population: 9,922  200 East Ridge P. O. Box 1700 72602-1700 Trust Department: Yes  Charter Number: 772 Date: October 14, 1997 County: Boone  Bank Holding Company Community First Bancshares, Inc., Harrison, AR Chm/CEO: William King Gladden  Pres: David Morton  Cash and Due fro m :......................................... 2,491 Federal Funds and Repos:.............................. 5,725 Investments:.......................................................5,336 Total Loans:.....................................................67,261 Premises and Fixed Assets:............................ 3,026 Other Real Estate:.................................................... 0 Other A ssets......................................................... 704 Total A ssets:....................................................84,543 Total Trust A ssets:................................................... 0  Deposits:...................................................... 73,426 Federal Funds and Borrowings:.................. 3,710 Other Liabilities:................................................ 542 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 77,678 Total Equity Capital and Reserves:.............6,865 Total Liabilities and Capital:.......................84,543 Number of Shares O utstanding:...............60,000  Directors: Joe Bennett; Dan R. Bowers; John O. Campbell; J. Kirkwood Dupps; L. Eugene Durand; Leota Edwards; William King Gladden; Jim Harp; Richard Hudson; Jim Judy; Jerry Maland; Meredith Miller; David Morton; James Nelson; Jim Sprott  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Eureka Springs  60  Arkansas State Bank Department  The Cleburne County Bank Heber Springs, AR VOICE: (501) 362-2456 FAX: (501) 362-4554 Population: 5,628  806 West Main P. 0. Box 1560 72543-1560  Charter Number: 626 Date: December 16, 1930 County: Cleburne  Trust Department: No Bank Holding Company Lake Hamilton Enterprises, Inc., Little Rock, AR Chm: Jim Tom Butler CEO: Paul D. Eaton  Pres/COO: R. Dale Miller SVP: Keith McHan  Cash and Due from :.......................................... 3,333 Federal Funds and Repos:.......................................0 Investments:.................................................... 88,796 Total Loans:..................................................... 68,670 Premises and Fixed Assets:............................. 1,671 Other Real Estate:..................................................45 Other Assets:..................................................... 2,347 Total Assets:................................................. 164,862 Total Trust Assets:....................................................0  Deposits:................................................... 145,321 Federal Funds and Borrowings:..................2,815 Other Liabilities:............................................... 828 Subordinated Debt:.............................................. 0 Total Liabilities:........................................ 148,964 Total Equity Capital and Reserves:.......... 15,898 Total Liabilities and Capital:................... 164,862 Number of Shares Outstanding:..................1,200  Directors: Walter Aldridge; Anna Margaret Butler; Connie Butler; Jim Tom Butler; Patricia Butler; Beth Eaton; Paul D. Eaton; John M. Henry; Richie Lee; L. E. Roberts, Jr.; Wetzel Stark Branches in Town: Three  Other Branches: Concord, Greers Ferry, Guy, Quitman  Greers Ferry Lake State Bank Heber Springs, AR VOICE: (501) 362-5883 FAX: (501)362-0820 Population: 5,628  1230 Highway 25B No. P. O. Box 970 72543-0970  Charter Number: 755 Date: July 26, 1991 County: Cleburne  Trust Department: No Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/CEO/Pres: Jim S. Gowen, Sr. EVP: Gary Yow  VP: Wendell Cassell VP: Carla Stiger  Cash and Due from:.......................................... 2,307 Federal Funds and Repos:............................... 1,010 Investments:.................................................... 14,083 Total Loans:..................................................... 29,334 Premises and Fixed Assets:................................ 778 Other Real E state'.................................................... 0 Other Assets:........................................................ 931 Total Assets:.................................................... 48.443 Total Trust Assets:.................................................... 0  Deposits:...................................................... 39,344 Federal Funds and Borrowings:..................4,679 Other Liabilities:............................................... 265 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 44,288 Total Equity Capital and Reserves:............ 4,155 Total Liabilities and Capital:...................... 48,443 Number of Shares Outstanding:............... 60,000  Directors: Morris Bowman; Jim S. Gowen, Sr.; Dr. Troy A. Gray; Robert Harvey; Gerald A. Saracini  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Clinton  61  E ig h t y - F i f t h R e p o r t  Heber Springs State Bank Heber Springs, AR VOICE: (501) 362-5821 FAX: (501) 362-7491 Population: 5,628  Second and Main Streets P. O. Box 1030 72543-0030  Charter Number: 735 Date: May 7, 1977 County: Cleburne  Trust Department: Yes Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR Chm: Harry L. Hastings, Jr. CEO/Pres: Bill G. Lynch  SVP: Jack Barber COO/Cash: Janice Parrott  Cash and Due fro m :......................................... 3,886 Federal Funds and Repos:.............................. 4,485 Investments:.....................................................29,311 Total Loans:.....................................................43,856 Premises and Fixed A ssets:.............................1,847 Other Real Estate:.................................................. 12 Other A ssets:........................................................963 Total A ssets:....................................................84,360 Total Trust A ssets.................................................... 0  Deposits.......................................................76.379 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 461 Subordinated Debt:............................................... 0 Total Liabilities:............................................76,840 Total Equity Capital and Reserves:.............7,520 Total Liabilities and Capital:.......................84,360 Number of Shares Outstanding:............... 17,656  Directors: Stanley Hasting; Harry L. Hastings Jr.; Horace Jewell; Bill G. Lynch; Catherine H. Owen Other Branches: Drasco, Fairfield Bay, Greers Ferry, Quitman, Vilonia  Branches in Town: One  Horatio State Bank Horatio, AR VOICE: (870) 832-2501 FAX: (870) 832-2577 Population: 793  123 Main Street P. O. Box 347 71842-0347  Charter Number: 179 Date: May 15, 1905 County: Sevier  Trust Department: No Bank Holding Company Pioneer Bancshares, Inc. of Horatio, Arkansas, Horatio, AR Chm/CEO/Pres: C. E. Hendrix, Jr. EVP: Carl E. Hendrix, III  SVP: Edith H. Smith SVP: Wilburn Smith  Cash and Due fro m :..........................................7,730 Federal Funds and Repos:.............................. 6,215 Investments:.......................................................6,487 Total Loans:.....................................................30.204 Premises and Fixed A ssets:................................358 Other Real Estate:.....................................................0 Other A ssets:........................................................ 538 Total A ssets:...................................................51 532 Total Trust A ssets:................................................... 0  Deposits:......................................................45.591 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 173 Subordinated Debt:............................................... 0 Total Liabilities:........................................... 45 764 Total Equity Capital and Reserves:.............5,768 Total Liabilities and C a p ita l.......................51.532 Number of Shares Outstanding ................. 2,000  Directors: Margaret S. Griffin; Carl E. Hendrix, III; C. E. Hendrix, Jr., Lilia S. Hendrix; Loy Poag; Edith H. Smith; Wilburn Smith; Todd B. Trimble  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  Arkansas State Bank Department  62  Alliance Bank of Hot Springs Hot Springs, AR VOICE: (501) 318-1000 FAX: (501) 318-1015 Population: 32,462  100 Werner Drive P. 0. Box 22000 71913  Charter Number: 769 Date: April 17, 1997 County: Garland  Home Page: www.alliancebank.net Trust Department: Yes Bank Holding Company Alliance Bancorporation, Inc., Hot Springs, AR CEO: David L. Bartlett SVP: Steven Trusty  SVP: Ronnie Twyford  Cash and Due from :.......................................... 5,541 Federal Funds and Repos:.......................................0 Investments:.................................................... 19,320 Total Loans:..................................................... 32,357 Premises and Fixed Assets:............................. 1,257 Other Real E state:....................................................0 Other Assets:........................................................ 898 Total Assets:.................................................... 59,373 Total Trust Assets:.................................................... 0  Deposits:...................................................... 51,976 Federal Funds and Borrowings:..................2,467 Other Liabilities:................................................156 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 54,599 Total Equity Capital and Reserves:............ 4,774 Total Liabilities and Capital:...................... 59,373 Number of Shares Outstanding:................18,663  Directors: David L. Bartlett; Stuart A. Fleischner; Louis Kleinman; James Newman; John Selig; Sam A. Stathkis, Jr.; Sara Stough Branches in Town: Two  Other Branches: None  First State Bank H untsville, AR VOICE: (501) 738-2147 FAX: (501) 738-1255 Population: 1,605  Highway 412 West P. O. Box 667 72740-0667  Charter Number: 756 Date: July 26, 1991 County: Madison  Trust Department: Yes Bank Holding Company BTS Bancshares, Inc., Huntsville, AR Chm: Sam Mathias CEO/Pres: Tom Mathias  VP: Bessie Mathias VP/Cash: Paul Mathias  Cash and Due from :.......................................... 1,003 Federal Funds and Repos:.................................. 780 Investments:.................................................... 13,344 Total Loans:..................................................... 21,578 Premises and Fixed Assets:................................ 640 Other Real E state:.................................................... 0 Other Assets:........................................................ 590 Total Assets:.................................................... 37,935 Total Trust Assets:.................................................... 0  Deposits:...................................................... 34,864 Federal Funds and Borrowings:......................... 0 Other Liabilities:................................................133 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 34,997 Total Equity Capital and Reserves:............ 2,938 Total Liabilities and C apital:...................... 37,935 Number of Shares Outstanding:................13,000  Directors: Bessie Mathias; Sam Mathias; Tom Mathias; Phil Thompson Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  63  Eighty-Fifth Report  Peoples Bank Imboden, AR VOICE: (870) 869-2291 FAX: (870) 869-2179 Population: 616  Hwy. 63 West P. 0. Box 850 72434-0850  Charter Number: 727 Date: October 12, 1972 County: Lawrence  Trust Department: No Bank Holding Company Spring Rivers Bancshares, Inc., Imboden, AR CEO/Pres: Preston L. Clark Pres: Charles F. Luter  Cash: Sandra McCormic  Cash and Due from :......................................... 2,445 Federal Funds and Repos:...............................2,875 Investments...................................................... 13,048 Total Loans:.....................................................36,228 Premises and Fixed A ssets:............................... 668 Other Real Estate:................................................ 181 Other A ssets:........................................................873 Total A ssets:....................................................56,318 Total Trust A ssets:................................................... 0  Deposits:......................................................51,390 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 105 Subordinated Debt:............................................... 0 Total Liabilities:............................................51,495 Total Equity Capital and Reserves:.............4,823 Total Liabilities and Capital:.......................56,318 Number of Shares Outstanding:................. 6,600  Directors: Preston L. Clark; Billy Downing; Jerry R. Foley; Charles F. Luter; Dan H. Matthews Branches in Town: None  Other Branches: Hoxie, Strawberry  First Arkansas Bank & Trust Jacksonville, AR VOICE: (501) 982-4511 FAX: (501) 982-4009 Population: 29,101  600 West Main P. O. Box 827 7 2 0 7 6-08 27  Charter Number: 701 Date: August 2, 1949 County: Pulaski  Trust Department: Yes Bank Holding Company First Arkansas BancShares, Inc., Jacksonville, AR Chm: Kenneth Pat Wilson CEO/Pres: Larry T. Wilson  EVP: Ken Southern TO: Pat Teague  Cash and Due fro m :..........................................7,984 Federal Funds and Repos:...................................... 0 Investments:.....................................................63,494 Total Loans:...................................................114,430 Premises and Fixed Assets:............................ 7,202 Other Real Estate:................................................ 132 Other A ssets:.....................................................3,153 Total A ssets:..................................................196,395 Total Trust A ssets:......................................... 69,364  Deposits:.................................................... 159,616 Federal Funds and Borrowings:.................. 7,820 Other Liabilities:............................................. 1,626 Subordinated Debt:............................................... 0 Total Liabilities:..........................................169,062 Total Equity Capital and Reserves:.......... 27,333 Total Liabilities and Capital:.....................196,395 Number of Shares O utstanding:.............200,000  Directors: Tom Cory; Bart Gray, Jr.; Bill Gwatney; Alton Higginbotham; Bruce McFadden; Kathy Roberts; Ken Southern; Kenneth Pat Wilson; Larry T. Wilson; Mike Wilson  Branches in Town: Four   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Cabot (2), Gravel Ridge  64  Arkansas State Bank Department  The Arkansas Bank Jonesboro, AR VOICE: (870)932-2131 FAX: (870) 931-2175 Population: 46,535  515 West Washington P. 0. Box 1617 72403-1617  Charter Number: 150 Date: February 13, 1904 County: Craighead  Trust Department: Yes Bank Holding Company Regions Financial Corporation, Birmingham, AL Chm: Stephen A. Cox CEO: Gary Childers  VChm: G. L. Lieblong Pres: Larry Worsham  Cash and Due from:.......................................... 6,424 Federal Funds and Repos:............................. 10,350 Investments:.................................................... 20,756 Total Loans:................................................... 122,157 Premises and Fixed Assets:............................. 3,584 Other Real Estate:....................................................7 Other Assets:..................................................... 1,945 Total Assets:................................................. 165,223 Total Trust Assets:....................................................0  Deposits:................................................... 146,677 Federal Funds and Borrowings:..................... 508 Other Liabilities:.............................................1,375 Subordinated Debt:.............................................. 0 Total Liabilities:........................................ 148,560 Total Equity Capital and Reserves:.......... 16,663 Total Liabilities and Capital:................... 165,223 Number of Shares Outstanding:............ 140,000  Directors: Gary Childers; Stephen A. Cox; Virginia Cox; Dalton A. Farmer, Jr.; Jim Grisham; G. L. Lieblong; Sloan Rainwater; Dr. Weldon Rainwater; William I. Rainwater, Jr.; William I. Rainwater, Sr.; Rick Rorex; J. A. Tomlinson; Larry Worsham Branches in Town: Five  Other Branches: Paragould, Piggott  Heritage Bank Jonesboro, AR VOICE: (870) 802-2344 FAX. (870) 802-2333 Population: 46,535  2627 East Nettleton Avenue P. O. Box 3020 72403-3020  Charter Number: 703 Date: January 23, 1951 County: Craighead  Trust Department: No Bank Holding Company Heritage Capital Corporation, Jonesboro, AR Chm: Larry Grisham Pres/CEO: Steve May  EVP/COO: Louis Intres VP: Diane Steiling  Cash and Due from :..........................................4,943 Federal Funds and Repos:.......................................0 Investments:............................................. 15,032 Total Loans:..................................................111,131 Premises and Fixed Assets:.............................3,916 Other Real E state:................................................125 Other Assets:..................................................... 1,497 Total Assets:................................................. 136,644 Total Trust Assets:....................................................0  Deposits:...................................................115,524 Federal Funds and Borrowings:..................7,155 Other Liabilities:................................................926 Subordinated Debt:.............................................. 0 Total Liabilities:........................................ 123,605 Total Equity Capital and Reserves:.......... 13,039 Total Liabilities and C apital:................... 136,644 Number of Shares Outstanding:................10,000  Directors: Dr. Ron Burnett; Jim Fulkerson; Dick Gray; Larry Grisham; Louis Intres; Steve May; Leon Swihart  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Monette  Caraway, Leachville  65  Eighty-Fifth Report  MidSouth Bank Jonesboro, AR VOICE: (870) 931-0100 FAX: (870) 910-5698 Population: 46,535  2506 Southwest Circle P. O. Box 5040 72403-5040  Charter Number: 673 Date: December 29, 1936 County: Craighead  Home Page: www.msbank.com Trust Department: Yes Member of Federal Reserve System Bank Holding Company MSB Shares, Inc., Jonesboro, AR Chm: Carolyn Frierson CEO/Pres: Terry Frierson  VP/TO: Steve Baker Treas: Chris Puryear  Cash and Due fro m :........................................13,021 Federal Funds and Repos:...................................... 0 Investments:.....................................................80,044 Total Loans:...................................................214.590 Premises and Fixed A ssets:............................ 7,463 Other Real Estate:............................................. 1,010 Other A ssets:.....................................................5.952 Total A ssets:.................................................322 080 Total Trust A ssets:..........................................33,055  Deposits:....................................................278,809 Federal Funds and Borrowings:................ 16,100 Other Liabilities:.............................................4,547 Subordinated Debt:...............................................0 Total Liabilities:..........................................299,456 Total Equity Capital and Reserves:.......... 22,624 Total Liabilities and Capital:.....................322,080 Number of Shares Outstanding:................. 4,000  Directors: Hugh Atwood; Shirley Bronaugh; Nancy Chrisman; Warren Dupwe; Carolyn Frierson; Terry Frierson; Beverly McCollum; Robert Schuchardt; Revis G. Stewart; J. E. Story; Ed Way; Bobby G. Wood Branches in Town: Four  Other Branches: Bay, Monette (2)  Simmons First Bank of Jonesboro Jonesboro, AR VOICE: (870) 933-8000 FAX: (870) 933-2008 Population: 46,535  1720 South Caraway Road P. O. Box 1720 72403-1720  Charter Number: 734 Date: December 22, 1976 County: Craighead  Trust Department: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Barry K. Ledbetter  VP/Sec: Wayne Bond  Cash and Due fro m :..........................................5,238 Federal Funds and Repos:...................................... 0 Investments:.....................................................23,353 Total Loans:...................................................108,976 Premises and Fixed Assets:............................ 1,587 Other Real Estate:.................................................... 4 Other A ssets:.....................................................2,266 Total A ssets:..................................................141.424 Total Trust A ssets:................................................... 0  Deposits:.................................................... 122,619 Federal Funds and Borrowings:.................. 4,818 Other Liabilities:............................................. 1,819 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 129,256 Total Equity Capital and Reserves:...........12,168 Total Liabilities and Capital:.....................141,424 Number of Shares O utstanding:............. 175,000  Directors: Dennis Abell; Larry Bates; Ava Duke; Barry K. Ledbetter; Scott Mixon; Ben Owens, Jr.; David Pyle; Jim Scurlock; Berl A. Smith; Don Stone; J. C. Vaughn, Jr.; Mark Wimpy  Branches in Town: Three   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  66  Arkansas State Bank Department  Pine State Bank Kingsland, AR VOICE: (870) 348-5657 FAX: (870) 348-1002 Population: 395  First Street P. O. Box 85 71652-0085  Charter Number: 165 Date: August 22, 1904 County: Cleveland  Trust Department: No Bank Holding Company Pine State Bancshares, Inc., Kingsland, AR Chm/CEO/Pres: M. Don Smith  EVP: Sheila Harrison Smith  Cash and Due from:............................................. 619 Federal Funds and Repos:............................... 1,150 Investments:...................................................... 4,440 Total Loans:......................................................13,324 Premises and Fixed Assets:................................ 314 Other Real Estate:..................................................37 Other Assets:........................................................ 259 Total Assets:.................................................... 20,143 Total Trust Assets:....................................................0  Deposits:...................................................... 18,603 Federal Funds and Borrowings:......................... 0 Other Liabilities:................................................169 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 18,772 Total Equity Capital and Reserves:............ 1,371 Total Liabilities and Capital:...................... 20,143 Number of Shares Outstanding:..................3,060  Directors: James Searcy; M. Don Smith; Sheila Harrison Smith Branches in Town: None  Other Branches: New Edinburg, Rison  Madison Bank and Trust Kingston, AR VOICE: (501) 665-2825 FAX: (501) 665-2175 Population: 338  101 Public Square P. O. Box 39 72742-0039  Charter Number: 338 Date: April 7, 1911 County: Madison  Trust Department: Yes Bank Holding Company Madison Corporation, Little Rock, AR Chm/CEO: Roland Willshire Pres: Gary Bunch  VP: Jerry Sullivan VP/TO: Lori McConnell  Cash and Due from :.......................................... 1,656 Federal Funds and Repos:.......................................0 Investments:...................................................... 6.551 Total Loans:..................................................... 27,600 Premises and Fixed Assets:................................ 829 Other Real E state:.................................................... 3 Other Assets:........................................................ 578 Total Assets:.................................................... 37,217 Total Trust Assets:............................................ 2,920  Deposits:...................................................... 32,908 Federal Funds and Borrowings:..................1,680 Other Liabilities:............................................... 218 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 34,806 Total Equity Capital and Reserves:............ 2,411 Total Liabilities and Capital:...................... 37,217 Number of Shares Outstanding:..................... 800  Directors: Sumner Brashears; Gary Bunch; Howard Cain, Jr.; Gary Easterling; David Hubener; Dana Samples; Joe Shrum; Tom Shrum; Roland Willshire; Rose Willshire Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Huntsville  67  Eighty-Fifth Report  The Bank of Lake Village Lake Village, AR VOICE: (870) 265-2241 FAX: (870) 265-2125 Population: 2,791  201 Main Street P. O. Box 727 71653-0727  Charter Number: 675 Date: October 14, 1937 County: Chicot  Home Page: www.searkansas.com/bankoflakevillage Trust Department: No Bank Holding Company Southeast Arkansas Bank Corporation, Lake Village, AR Chm: Charles H. Weissinger, Jr. CEO/Pres: Terence J. Alpe  VChm: Ned Mazzanti SVP/Sec: Kenneth D. Vandervort  Cash and Due fro m :..........................................1,957 Federal Funds and Repos:...................................... 0 Investments:..................................................... 15,482 Total Loans:.....................................................36,474 Premises and Fixed A ssets:............................ 1,923 Other Real Estate:................................................ 125 Other A ssets:.....................................................1,124 Total A ssets:....................................................57,085 Total Trust A ssets:................................................... 0  Deposits:......................................................45,511 Federal Funds and Borrowings:.................. 3,398 Other Liabilities:................................................ 230 Subordinated Debt:............................................... 0 Total Liabilities:............................................49,139 Total Equity Capital and Reserves:.............7,946 Total Liabilities and Capital:.......................57,085 Number of Shares O utstanding:...............60,000  Directors: Terence J. Alpe; Sam E. Angel; Wiliam W. Bunker; Dr. J. P. Burge; Hermon Carlton; David F. Gillison, Jr.; Marvin D. Loyd, DDS; Ned Mazzanti; Joseph J. Pieroni; Kenneth D. Vandervort; Charles H. Weissinger, Jr.; Guy Mattingly Weissinger Branches in Town: One  Other Branches: None  Simmons First Bank of South Arkansas Lake Village, AR VOICE: (870)265-5366 FAX: (870) 265-5558 Population: 2,791  417 Main Street P. O. Box 271 71653-0271  Charter Number: 716 Date: June 12, 1962 County: Chicot  Trust Department: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO: Ben V. Floriani Pres: Freddie G. Black  VP: Linda S. Moreland VP/Cash: Mike S. Cashion  Cash and Due fro m :..........................................2,153 Federal Funds and Repos:...................................... 0 Investments:.....................................................23,366 Total Loans:.....................................................29,657 Premises and Fixed A ssets:................................928 Other Real Estate:.................................................. 21 Other A ssets:........................................................ 917 Total A ssets:....................................................57,042 Total Trust A ssets:................................................... 0  Deposits:...................................................... 50,725 Federal Funds and Borrowings:......................700 Other Liabilities:.................................................165 Subordinated Debt:............................................... 0 Total Liabilities:............................................51,590 Total Equity Capital and Reserves:.............5,452 Total Liabilities and Capital........................57,042 Number of Shares Outstanding:............... 12,500  Directors: W. E. Ayres; Freddie G. Black; Robert G. Bridewell; Mike S. Cashion; Thomas Deen; Ben V. Floriani; James W. Haddock; Craig Hunt; Geno Mazzanti; Lester Pinkus; Beverly M. Rowe; Jerry Selby; Joe Dan Yee  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Dermott  Arkansas State Bank Department  68  Little River Bank Lepanto, AR VOICE: (870) 475-2306 FAX: (870) 475-3070 Population: 2,033  202 Greenwood P. O. Box 340 72354-0340  Charter Number: 498 Date: November 21, 1919 County: Poinsett  Trust Department: Yes Bank Holding Company Little River Bancshares, Inc., Lepanto, AR CEO/Pres: Grady Watkins, Jr. SVP/Cash: Blanche Nash Cash and Due from :........................ Federal Funds and Repos:............. Investments:.................................... Total Loans:..................................... Premises and Fixed Assets:........... Other Real Estate:.......................... Other Assets:................................... Total Assets:.................................... Total Trust Assets:..........................  VP: Lois Criddle TO: Henry Watkins .1,595 .... 200 20,633 16,086 .... 412  Deposits:........................................................28,796 Federal Funds and Borrowings:...................4,280 Other Liabilities:................................................. 187 Subordinated Debt:................................................0 Total Liabilities:............................................ 33,263  ........ 0 .... 440 Total Equity Capital and Reserves:............. 6,103 39,366 Total Liabilities and Capital:....................... 39,366 .........0 Number of Shares Outstanding:................. 10,000  Directors: Hadley Ingram; Julanne P. Ingram; W. K. Ingram, Jr.; Junaway Payne; Ben Perry; Ernest B. Portis; Juliet J. Portis; Danette P. Watkins; Grady Watkins, Jr.; Henry Watkins Other Branches: None  Branches in Town: None  Arkansas Bankers' Bank Little Rock, AR VOICE: (501) 371-0535 FAX: (501) 376-8894 Population. 175,795  1008 West Second Street 72201-2031  Charter Number: 752 Date: April 17, 1990 County: Pulaski  Trust Department: No Member of Federal Reserve System Bank Holding Company Arkansas Bankers' Bancorporation, Inc., Little Rock, AR Chm: Lindley V. Smith, Jr. CEO/Pres: Bill B. May  SVP: John E. Lock, Sr. SVP: Boyd Rothwell  Cash and Due from:........................................ 21,643 Federal Funds and Repos:............................... 1,250 Investments:.................................................... 40,667 Total Loans:......................................................13,303 Premises and Fixed Assets:................................ 521 Other Real E state:.................................................... 0 Other Assets:..................................................... 1,863 Total Assets:.................................................... 79,247 Total Trust Assets:.................................................... 0  Deposits:...................................................... 54,621 Federal Funds and Borrowings:................18,612 Other Liabilities:................................................233 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 73,466 Total Equity Capital and Reserves:............ 5,781 Total Liabilities and Capital:...................... 79,247 Number of Shares Outstanding:............... 50,000  Directors: Lunsford W. Bridges; Martin Carpenter; John Clement; Tom H. Grumbles; Bill B. May; Lindley V. Smith, Jr.; S. Denny Smith  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  69  Eighty-Fifth Report  Bank of Little Rock Little Rock, AR VOICE: (501) 376-0800 FAX: (501)376-1642 Population: 175,795  200 North State Street P. O. Box 34090 72203  Charter Number: 748 Date: May 4, 1989 County: Pulaski  Trust Department: Yes Member of Federal Reserve System Bank Holding Company Little Rock Bankshares, Inc., Little Rock, AR Chm/CEO: Eugene L. Maris Pres: George G. Worthen  SVP/Cash: Lee A. Swearingen  Cash and Due fro m :......................................... 4,400 Federal Funds and Repos:...................................... 0 Investments:.....................................................20,020 Total Loans:.....................................................51.992 Premises and Fixed Assets:............................ 3,704 Other Real Estate:.................................................. 63 Other A ssets:.....................................................1.271 Total A ssets:....................................................81.450 Total Trust A ssets:................................................... 0  Deposits:..................................................... 71 734 Federal Funds and Borrowings:...................1,455 Other Liabilities:................................................ 356 Subordinated Debt:............................................... 0 Total Liabilities'............................................73,545 Total Equity Capital and Reserves:.............7,905 Total Liabilities and Capital:.......................81.450 Number of Shares Outstanding:............. 100,000  Directors: J. Harry Leggett; Eugene L. Maris; James M. May; Stephen W. Plunkett; Steve C. Russell; George G. Worthen Branches in Town: Three  Other Branches: None  Bank of the Ozarks Little Rock, AR VOICE: (501) 978-2265 FAX: (501) 978-2205 Population: 175,795  12615 Chenal Parkway P. O. Box 8811 72231-8811  Charter Number: 121 Date: March 24, 1903 County: Pulaski  Home Page: www.bankozarks.com Trust Department: Yes Bank Holding Company Bank of the Ozarks, Inc., Little Rock, AR Chm/CEO: George G. Gleason, II VChm: James Patridge  Pres: Mark D. Ross EVP/TO: Aubrey Avants  Cash and Due fro m :........................................15.878 Federal Funds and Repos:..................................275 Investments:...................................................237.303 Total Loans:.................................................. 419.410 Premises and Fixed A ssets:.......................... 28.660 Other Real Estate:................................................ 622 Other A ssets:...................................................10,521 Total A ssets:................................................. 712.669 Total Trust A ssets:......................................... 67.368  Deposits:....................................................592.191 Federal Funds and Borrowings:................ 58,400 Other Liabilities:.............................................2,635 Subordinated Debt:............................................... 0 Total Liabilities:..........................................653.226 Total Equity Capital and Reserves:...........59,443 Total Liabilities and Capital:.....................712,669 Number of Shares O utstanding:................. 2,340  Directors: Roger Collins; Jerry Davis; C. E. Dougan; Robert East; George G. Gleason, II; Linda D. Gleason; Porter Hillard; Henry Mariani; James Patridge; R. L. Gualls; Mark D. Ross; Kennith Smith Branches in Town: Three   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Alma, Altus, Clarksville (2), Fort Smith, Harrison (3), Jasper, Marshall, Mulberry, North Little Rock, Ozark (2), Paris, Van Buren, Western Grove  Arkansas State Bank Department  70  The Capital Bank Little Rock, AR Charter Number: 771 Date: July 30, 1997 County: Pulaski  12224 Chenal Parkway P. 0. Box 8210 72211  VOICE: (501)228-6000 FAX: (501)228-6006 Population: 175,795  Trust Department: Yes Bank Holding Company Capital Bancshares, Inc., Little Rock, AR Pres: Joseph B. Ford SVP: Bonnie Crocheron  SVP: Harold Hampton SVP: Kyle Patton  Cash and Due from:.......................................... 1,589 Federal Funds and Repos:.......................................0 Investments:.................................................... 11,999 Total Loans:..................................................... 31,108 Premises and Fixed Assets:............................. 1,043 Other Real Estate:.................................................... 0 Other Assets:........................................................ 628 Total Assets:.................................................... 46,367 Total Trust Assets:....................................................0  Deposits:...................................................... 38,650 Federal Funds and Borrowings:..................3,742 Other Liabilities:................................................153 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 42,545 Total Equity Capital and Reserves:............ 3,822 Total Liabilities and Capital:...................... 46,367 Number of Shares Outstanding:................32,013  Directors: Melinda Ballard; Joseph B. Ford; Jack Hartsell; William Brad Pierce; Boyd Rothwell; Richard Schwartz; Warren Stephenson Branches in Town: None  Other Branches: North Little Rock  Central Bank & Trust Little Rock, AR 1501 South Main Street P. O. Box 1583 72203-1583  VOICE: (501) 374-7777 FAX: (501)374-2079 Population: 175,795  Charter Number: 753 Date: November 30, 1990 County: Pulaski  Trust Department: Yes Bank Holding Company P & W Bancshares, Inc., Little Rock, AR Chm/CEO: Ron W. Strother Pres: William G. Roehrenbeck  SVP: Roger Steging CFO: Robert L. Robinson, IV  Cash and Due from :.......................................... 7,428 Federal Funds and Repos:.......................................0 Investments:.................................................... 24,009 Total Loans:..................................................... 62,236 Premises and Fixed Assets:.............................2,845 Other Real E state:..................................................36 Other Assets:..................................................... 4,248 Total Assets:................................................. 100,802 Total Trust Assets:....................................................0  Deposits:...................................................... 82,207 Federal Funds and Borrowings:..................9,625 Other Liabilities:................................................594 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 92,426 Total Equity Capital and Reserves:............ 8,376 Total Liabilities and Capital:.................... 100,802 Number of Shares Outstanding:............... 20,000  Directors: Bryan Pitts; William G. Roehrenbeck; Ron W. Strother; Charles Wilson; Robert M. Wilson, Sr.  Branches in Town: Three   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: North Little Rock  71  Eighty-Fifth Report  Eagle Bank & Trust Company Little Rock, AR VOICE: (501) 223-2000 FAX: (501) 223-0373 Population: 175,795  650 South Shackleford, Suite 150 One Financial Centre 72211  Charter Number: 720 Date: July 28, 1966 County: Pulaski  Trust Department: Yes Member of Federal Reserve System Bank Holding Company State Holding Company, Little Rock, AR Chm: Harry L. Hastings, Jr. CEO/Pres/Cash/TO: Randall K. Herlocker  SVP: Laura Bogoslavsky SVP/Cash: Paul Castleberry  Cash and Due fro m :..........................................3,055 Federal Funds and Repos:...............................1,760 Investments:.....................................................16,619 Total Loans:.....................................................29,383 Premises and Fixed A ssets:............................... 709 Other Real Estate:................................................ 645 Other A ssets:........................................................485 Total A ssets:................................................... 52,656 Total Trust A ssets:................................................... 0  Deposits:..................................................... 46.833 Federal Funds and Borrowings:......................522 Other Liabilities:................................................ 381 Subordinated Debt:............................................... 0 Total Liabilities:............................................47,736 Total Equity Capital and Reserves:.............4,920 Total Liabilities and Capital:.......................52,656 Number of Shares Outstanding:................. 8,000  Directors: Harry L. Hastings, Jr.; Stanley Hastings; Randall K. Herlocker; Horace Jewell; Catherine H. Owen Branches in Town: None  Other Branches: Sherwood (3)  Gravel  Ridge,  One Bank & Trust Little Rock, AR 300 West Capitol Avenue P .O .B o x 34113 72203-4113  VOICE: (501) 370-4400 FAX: (501) 370-4573 Population: 175,795  Charter Number: 776 Date: December 17, 1998 County: Pulaski  Trust Department: Yes Member of Federal Reserve System Bank Holding Company OneFinancial Corporation, Little Rock, AR Chm/Pres: Layton Stuart EVP: Michael F. Heald  EVP: Gary A. Rickenbach  Cash and Due fro m :..........................................7,962 Federal Funds and Repos:...............................1,600 Investments:.....................................................46.222 Total Loans:.....................................................99.761 Premises and Fixed A ssets:.......................... 17,674 Other Real Estate:.................................................... 0 Other A ssets:.....................................................5.132 Total A ssets:..................................................178.351 Total Trust A ssets:................................................... 0  Deposits:.................................................... 152.429 Federal Funds and Borrowings:.................. 7,808 Other Liabilities:................................................ 876 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 161.113 Total Equity Capital and Reserves:...........17,238 Total Liabilities and Capital:.....................178,351 Number of Shares O utstanding:.............344,576  Directors: Dr. James Pappas; R. J. Shell; Layton Stuart  Branches in Town: Seven   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches:  Bryant, Damascus, Greenbrier, Marshall, North Little Rock  Arkansas State Bank Department  72  Pinnacle Bank Little Rock, AR VOICE: (501)614-5000 FAX: (501) 614-5005 Population: 175,795  2610 Cantrell Road P .O .B o x 8120 72203-8120  Charter Number. 766 Date: January 1, 1997 County: Pulaski  Trust Department: Yes Member of Federal Reserve System Bank Holding Company Pinnacle Bancshares, Inc., Little Rock, AR CEO/Pres: Robert M. Althoff SVP: W. Dabbs Cavin  SVP/CFO: Thomas C. Evans  Cash and Due from:.......................................... 1,619 Federal Funds and Repos:.......................................0 Investments:.................................................... 14,744 Total Loans:..................................................... 59,366 Premises and Fixed Assets:................................ 433 Other Real Estate:....................................................0 Other Assets:........................................................ 774 Total Assets:.................................................... 76,936 Total Trust Assets:....................................................0  Deposits:...................................................... 66,451 Federal Funds and Borrowings:..................2,871 Other Liabilities:................................................200 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 69,522 Total Equity Capital and Reserves:............ 7,414 Total Liabilities and Capital:...................... 76,936 Number of Shares Outstanding:............... 20,000  Directors. Robert M. Althoff; Gus J. Blass, III; William L. Cravens; Scott T. Ford; Jeff Fox; Keith Jackson; Richard N. Massey; Dave Parker; David Snowden, Jr. Branches in Town: One  Other Branches: None  Pulaski Bank And Trust Company Little Rock, AR VOICE: (501)661-7700 FAX: (501)661-7857 Population: 175,795  5800 R Street P. O. Box 7299 72217-7299  Charter Number: 710 Date: August 29, 1955 County: Pulaski  Trust Department: Yes Member of Federal Reserve System Bank Holding Company Pulaski Investment Corporation, Little Rock, AR Chm: James C. East CEO: Robert C. Magee  Pres: William C. Scholl SVP/TO: Robert Plummer  Cash and Due from :........................................ 14,056 Federal Funds and Repos:.......................................0 Investments:.................................................... 34,216 Total Loans:.................................................. 176,762 Premises and Fixed Assets:........................... 11,663 Other Real E state:................................................961 Other Assets:................................................... 10,486 T o ta l A s s e ts : ..................................................248,144 Total Trust Assets:........................................ 128,319  Deposits:.................................................... 218.274 Federal Funds and Borrowings:..................4,211 Other Liabilities:............................................ 3,741 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 226,226 Total Equity Capital and Reserves:..........21,918 Total Liabilities and Capital:....................248,144 Number of Shares Outstanding:..................1,850  Directors: J. Hunter East; James C. East; Robert C. Magee; Bob Russell; William C. Scholl; Kent Westbrook, M.D.; Mark V. Williamson  Branches in Town: Five   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: North Little Rock  73  Eighty-Fifth Report  Bank of Lockesburg Lockesburg, AR VOICE: (870) 289-4071 FAX: (870) 289-2330 Population: 608  103 West Main P. O. Box 118 71846-0118  Charter Number: 746 Date: May 31, 1985 County: Sevier  Trust Department: No Bank Holding Company DeWitt First Bankshares Corporation, DeWitt, AR Chm: Warren A. Jennings, Sr. CEO/Pres/Cash: Philip H. Worthen  SVP: Phyllis Bettell  Cash and Due fro m :..........................................1,395 Federal Funds and Repos:...............................1,225 Investments:.......................................................9,108 Total Loans:.......................................................9.691 Premises and Fixed A ssets:................................123 Other Real Estate:.................................................... 0 Other A ssets:........................................................361 Total A ssets:....................................................21,903 Total Trust A ssets:................................................... 0  Deposits:......................................................18,307 Federal Funds and Borrowings:......................280 Other Liabilities:.................................................. 77 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 18,664 Total Equity Capital and Reserves:.............3,239 Total Liabilities and Capital:.......................21,903 Number of Shares Outstanding:................. 2,500  Directors: Georgea Greaves; Ray Hambrick; Mary M. Jennings; Warren Jennings, Jr.; Warren A. Jennings, Sr.; Lester McKinley; Philip H. Worthen Branches in Town: None  Other Branches: None  First State Bank Lonoke, AR VOICE: (501) 676-3106 FAX: (501) 676-5046 Population: 4,022  101 South Center Street P. O. Box 320 72086-0320  Charter Number: 670 Date: March 9, 1935 County: Lonoke  Trust Department: No Bank Holding Company Lonoke Bancshares, Inc., Lonoke, AR Chm: Neil Bennett, Jr. CEO/Pres: David R. Estes  EVP: Tracy M. French Sec: Karen K. Hardke  Cash and Due fro m :..........................................1,735 Federal Funds and Repos:...................................... 0 Investments:.....................................................44,546 Total Loans:.....................................................43,719 Premises and Fixed A ssets:............................ 2,788 Other Real Estate:.................................................... 0 Other A ssets:.....................................................1,320 Total A ssets:....................................................94,108 Total Trust A ssets:................................................... 0  Deposits:......................................................80,736 Federal Funds and Borrowings:.................. 5,310 Other Liabilities:................................................ 312 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 86,358 Total Equity Capital and Reserves:.............7,750 Total Liabilities and Capital:.......................94,108 Number of Shares Outstanding:............... 16,000  Directors: Robert Bailey; Neil Bennett, Jr.; Neil Bennett, Sr.; Wayne Bennett, Jr.; Wayne Bennett, Sr.; Richard Bransford; David R. Estes; William J. Fletcher, Jr.; J. Walls McCrary; Joe P. Melton; Mart Thaxton  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Carlisle  74  Arkansas State Bank Department  Farmers Bank and Trust Company Magnolia, AR VOICE: (870) 235-7000 FAX: (870) 235-7010 Population: 11,151  200 East Main Street P. 0. Box 250 71753-0250  Charter Number: 217 Date: September 26, 1906 County: Columbia  Trust Department: Yes Bank Holding Company Magnolia Banking Corporation, Magnolia, AR Chm/CEO/Pres: Bob L. Burns EVP: Steve Keith  EVP/COO/TO: Bruce D. Maloch  Cash and Due from :.......................................... 6,678 Federal Funds and Repos:............................... 3,600 Investments .................................................. 171.874 Total Loans:.................................................. 173,387 Premises and Fixed Assets:............................. 5,512 Other Real Estate:..................................................71 Other Assets:................................................... 10,823 Total Assets:.................................................. 371,945 Total Trust Assets:.......................................... 77,990  D eposits.................................................... 327.711 Federal Funds and Borrowings:................11,569 Other Liabilities:............................................ 2,296 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 341.576 Total Equity Capital and Reserves:.......... 30,369 Total Liabilities and C apital:.................... 371.945 Number of Shares Outstanding:............ 100,000  Directors: Bob L. Burns; Steve Keith; Bruce D. Maloch; Bob Neill; Ronnie Ribble; Ken Sibley; T. E. Smith; Mack L. Taylor Other Branches: Camden (4), Springhill Branches in Town: Three  Horizon Bank of Columbia County Magnolia, AR VOICE: (870) 234-7039 FAX: (870)234-3794 Population: 11,151  305 North Jackson P .O .B o x 647 71753  Charter Number: 767 Date. December 2, 1996 County: Columbia  Trust Department: No Bank Holding Company Horizon Bancorp of South Arkansas, Inc., Magnolia, AR Chm: Ross M. Whipple CEO/Pres: Marcus J. McCain  SVP/Cash: Kathie L. Bledsoe  Cash and Due from :............................................. 823 Federal Funds and Repos:.......................................0 Investments:.................................................... 20.011 Total Loans.....................................................21 512 Premises and Fixed A sse ts............................. 1.717 Other Real Estate:.................................................... 0 Other Assets:........................................................ 797 Total Assets:.................................................... 44.860 Total Trust Assets:.................................................... 0  D eposits..................................................... 31.851 Federal Funds and Borrowings:..................8,320 Other Liabilities:................................................215 Subordinated Debt .............................................. 0 Total Liabilities:........................................... 40.386 Total Equity Capital and Reserves:............ 4,474 Total Liabilities and Capital:...................... 44,860 Number of Shares Outstanding:..................3,100  Directors: Kathie L. Bledsoe; John Bryant; Marcus J. McCain; Ross M. Whipple Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Arkadelphia, Waldo  75  Eighty-Fifth Report  The Peoples Bank Magnolia, AR VOICE: (870) 234-5777 FAX: (870) 234-3384 Population: 11,151  500 North Jackson P. 0. Box 340 71753  Charter Number: 313 Date: June 22, 1910 County: Columbia  Trust Department: Yes Bank Holding Company Golden Oaks Bancshares, Inc., Magnolia, AR Chm/CEO/TO: Harold H. Fincher Pres: Mary L. Baird  VP: R. H. "Bob" Genestet VP/Cash: Jill McClinton  Cash and Due fro m :......................................... 3,844 Federal Funds and Repos:...................................... 0 Investments:.......................................................8,997 Total Loans:.....................................................32,893 Premises and Fixed A ssets:............................ 1,599 Other Real Estate:.................................................. 81 Other A ssets:........................................................461 Total A ssets:................................................... 47,875 Total Trust A ssets:................................................... 0  Deposits:......................................................41,393 Federal Funds and Borrowings:.................. 1,125 Other Liabilities:................................................ 176 Subordinated Debt:............................................... 0 Total Liabilities:............................................42,694 Total Equity Capital and Reserves:.............5,181 Total Liabilities and Capital:................... ..47,875 Number of Shares Outstanding:............... 10,000  Directors: Mary L. Baird; Dorothy J. Fincher; Harold H. Fincher; Steven C. Fincher; Betty E. Harris; Betty L. Scott; Gerald F. Scott Other Branches: Waldo  Branches in Town: One  Emerson,  McNeil,  Southern State Bank Malvern, AR VOICE: (501) 332-2462 FAX: (501) 332-8437 Population: 9,256  521 East Page P. O. Box 340 72104-0400  Charter Number: 763 Date: December 31, 1992 County: Hot Spring  Trust Department: No Bank Holding Company Southern State Bancshares, Inc., Malvern, AR Chm: W. Henry McClure CEO/Pres: Donald A. Walsh  VP: Sue Stinnett Cash: Janet Lindsey  Cash and Due fro m :..........................................1,417 Federal Funds and Repos:.............................. 2,295 Investments:..................................................... 10.869 Total Loans:.....................................................29,315 Premises and Fixed A ssets:............................ 1,397 Other Real Estate:.................................................. 99 Other A ssets:........................................................762 Total A ssets:................................................... 46.154 Total Trust A ssets:................................................... 0  Deposits:......................................................41.103 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 251 Subordinated D e b t............................................... 0 Total Liabilities:............................................41,354 Total Equity Capital and Reserves:.............4,800 Total Liabilities and Capital:.......................46,154 Number of Shares O utstanding:............... 15,906  Directors: Don Allen; Bill Birch; Mitchell Burris; Mark Kindy; Frank R. McClure; Martha McClure; W. Henry McClure; Donald A, Walsh; A. J. Wilks; Chris E. Williams  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  Arkansas State Bank Department  76  The Merchants and Planters Bank Manila, AR VOICE: (870)561-4427 FAX: (870) 561-3384 Population: 2,635  Charter Number: 698 Date: March 16, 1948 County: Mississippi  319 North Baltimore P. O. Box 540 72442-0540 Trust Department: No Bank Holding Company None  Chm: Peggy F. Cheadle CEO/EVP: Max H. Schrader  Pres: Betty F. Schrader VP: Danny Robbins  Cash and Due from:.......................................... 1,379 Federal Funds and Repos:............................... 3,520 Investments:...................................................... 6,198 Total Loans...................................................... 13,866 Premises and Fixed Assets:................................ 121 Other Real Estate:.................................................... 0 Other Assets:........................................................ 405 Total Assets:.................................................... 25,489 Total Trust Assets:.................................................... 0  Deposits:...................................................... 21,838 Federal Funds and Borrowings:......................... 0 Other Liabilities:................................................255 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 22,093 Total Equity Capital and Reserves:............ 3,396 Total Liabilities and Capital:...................... 25,489 Number of Shares Outstanding:................10,000  Directors: James B. Cheadle; Peggy F. Cheadle; Hulen Faulkner; Paul W. Fleeman; Danny Robbins; Betty F. Schrader; Max H. Schrader; L. E. Townsend Branches in Town: One  Other Branches: None  Bank of Mansfield Mansfield, AR 101 South Sebascott P. O. Box 387 72944-0387  VOICE: (501) 928-4418 FAX: (501)928-5149 Population: 1,018  Charter Number: 678 Date. February 16, 1939 County: Sebastian  Trust Department: No Bank Holding Company Mansfield Bankstock, Inc., Mansfield, AR Chm: J. Michael Shaw CEO/Pres: Joseph A. Terry  EVP: Paula Coward VP/Cash: Margo Jones  Cash and Due from :............................................. 534 Federal Funds and Repos:............................... 1,415 Investments:...................................................11,720 Total Loans:..................................................... 21,708 Premises and Fixed Assets:................................ 374 Other Real E state:....................................................0 Other Assets:........................................................ 930 Total Assets:.................................................... 36,681 Total Trust Assets:.................................................... 0  Deposits:...................................................... 33,003 Federal Funds and Borrowings:......................... 0 Other Liabilities:..................................................99 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 33,102 Total Equity Capital and Reserves:............ 3,579 Total Liabilities and Capital:...................... 36,681 Number of Shares Outstanding:..................9,600  Directors: Paula Coward; Earle Overton; J. Michael Shaw; S. M. Taylor; Joseph A. Terry; Lary Walker; R. D. Wooten  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  77  Eighty-Fifth Report  First Community Bank of Eastern Arkansas Marion, AR VOICE: (870) 739-7300 FAX: (870) 739-2234 Population: 4,391  205 Block Street P. O. Box 747 72364-0747  Charter Number: 775 Date: October 8, 1998 County: Crittenden  Trust Department: Yes Bank Holding Company None CEO/Pres: H. Gates Williams, Jr. SVP: Robert L. Naylor  VP: Linda Crowe VP: Billy Russell, Jr.  Cash and Due fro m :.............................................885 Federal Funds and Repos:.............................. 5,585 Investments:.......................................................2,625 Total Loans:.....................................................12,820 Premises and Fixed A ssets:............................... 999 Other Real Estate:.....................................................0 Other A ssets:........................................................ 250 Total A ssets:................................................... 23,164 Total Trust A ssets:................................................... 0  Deposits:...................................................... 19,560 Federal Funds and Borrowings:..........................0 Other Liabilities:.................................................. 69 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 19,629 Total Equity Capital and Reserves:.............3,535 Total Liabilities and Capital:.......................23,164 Number of Shares O utstanding:............... 38,726  Directors: Michael D. East; Frank A. Fogleman; Franklin G. Fogleman; Julian Hardin; Allen B. Helms, Jr.; Adolph Parani; Mark A. Parani; Matthew L. Pike, III; James A. Ross; Samuel H. Stuckey, Jr.; William Bart Turner; David S. Wallace; Charles L. Williams, Jr.; H. Gates Williams, Jr. Other Branches: None  Branches in Town: None  Marked Tree Bank Marked Tree, AR VOICE: (870) 358-2600 FAX: (870) 358-4210 Population: 3,100  210 Frisco Street P. O. Box 160 72365-0160  Charter Number: 651 Date: March 3, 1932 County: Poinsett  Trust Department: Yes Bank Holding Company Marked Tree Bancshares, Inc., Marked Tree, AR Chm: Frank Brunner, Jr. CEO/Pres: Frankie L. Pratt  VP: Martha Williams  Cash and Due fro m :..........................................1,316 Federal Funds and Repos:...............................9,300 Investments:.......................................................4,223 Total Loans:..................................................... 18,644 Premises and Fixed Assets:............................... 448 Other Real Estate:.................................................. 76 Other A ssets:..................................................... 1,325 Total A ssets:....................................................35,332 Total Trust A ssets:................................................... 0  Deposits:......................................................31,783 Federal Funds and Borrowings:......................100 Other Liabilities:................................................ 229 Subordinated Debt:............................................... 0 Total Liabilities:............................................32,112 Total Equity Capital and Reserves:.............3,220 Total Liabilities and Capital:.......................35,332 Number of Shares O utstanding:................. 2,500  Directors: E. Ritter Arnold; Mary Ann Arnold; Frank Brunner, Jr.; Dan Hatzenbuehler; P. Michael Murphy; Frankie L. Pratt Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  78  Arkansas State Bank Department  Bank of McCrory McCrory, AR VOICE: (870) 731-2521 FAX: (870) 731-2859 Population: 1,971  124 Edmonds Avenue P. O. Box 370 72101-0370  Charter Number: 128 Date: June 8, 1903 County: Woodruff  Trust Department: Yes Bank Holding Company M. D. Thompson & Son Co., McCrory, AR Chm/CEO/Pres: John G. Thompson SVP: Donny Underwood  SVP/TO: Margaret Collier  Cash and Due from :.......................................... 1,976 Federal Funds and Repos:...............................4,990 Investments:.................................................... 21,696 Total Loans:..................................................... 33.255 Premises and Fixed Assets:................................ 472 Other Real Estate:.................................................... 0 Other Assets:......................................................1,020 Total Assets:.................................................... 63,409 Total Trust Assets:................................................212  Deposits:...................................................... 55.783 Federal Funds and Borrowings:......................... 0 Other Liabilities:............................................... 434 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 56,217 Total Equity Capital and Reserves:............ 7,192 Total Liabilities and Capital:...................... 63,409 Number of Shares Outstanding:............... 20,000  Directors: Ian Arnof; Donald Cain; Edwin B. Conner, Jr.; John D. Eldridge; John D. Eldridge, III; Fletcher C. Lewis; G. L. Morris, Jr.; H. Ripley Thompson; John G. Thompson; Vance M. Thompson, III Branches in Town: None  Other Branches: Augusta  McGehee Bank McGehee, AR VOICE: (870) 222-3151 FAX: (870) 222-6159 Population: 4,997  301 North Second Street P. O. Box 787 71654-0787  Charter Number: 661 Date: December 5, 1933 County: Desha  Home Page: www.mcgeheebank.com Trust Department: Yes Bank Holding Company Southeast Financial Bankstock Corporation, McGehee, AR Chm/CEO/Pres: William W. Bowman VChm: John H. Potter, Jr.  EVP/TO: James M. Smith  Cash and Due from :.......................................... 5,391 Federal Funds and Repos:............................... 6,500 Investments:.................................................... 28,419 Total Loans:..................................................... 44,358 Premises and Fixed Assets:................................ 321 Other Real Estate ................................................598 Other Assets:..................................................... 1.194 Total Assets:.................................................... 86.881 Total Trust Assets:.......................................... 34.093  D eposits...................................................... 68.379 Federal Funds and Borrowings:......................... 0 Other Liabilities ................................................578 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 68,957 Total Equity Capital and Reserves:.......... 17,924 Total Liabilities and Capital:...................... 86,881 Number of Shares Outstanding:............ 142,472  Directors: Robert H. Adcock; Lee Bowman; William W. Bowman; Bill E. Elliott; Eugene Gilliam; David S. Leech; John H. Potter, Jr.; Mark E. Sherland, Jr.; James M. Smith  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Watson  Arkansas City, Tillar,  79  E ig h t y - F if t h R e p o r t  The Bank of North Arkansas Melbourne, AR VOICE: (870) 368-4205 FAX: (870) 368-4641 Population: 1,562  601 Main Street P. O. Box 70 72556-0070  Charter Number: 42 Date: July 29, 1896 County: Izard  Trust Department: No Bank Holding Company First United Bancshares, Inc., El Dorado, AR CEO/Pres: Lloyd T. Jones, Sr. EVP: W. Mike Cone  SVP: Judy D. Sanders  Cash and Due fro m :......................................... 2,215 Federal Funds and Repos:.................................. 175 Investments:..................................................... 16.312 Total Loans:.....................................................57,056 Premises and Fixed A ssets:.............................1,644 Other Real Estate:................................................ 151 Other A ssets:.....................................................1,210 Total A ssets:....................................................78,763 Total Trust A ssets:................................................... 0  Deposits:......................................................70,577 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 491 Subordinated Debt:............................................... 0 Total Liabilities:............................................71,068 Total Equity Capital and Reserves:.............7,695 Total Liabilities and Capital:.......................78,763 Number of Shares O utstanding................80,000  Directors: W. Wesley Arnold; Brenda K. Barnes; Thomas C. Colegrove; Harlin Hames; Jim Harwood; Lloyd T. Jones, Sr.; James E. Miller; Reed M. Perryman Branches in Town: None  Other Branches: Horseshoe Bend  Calico  Rock,  The Union Bank of Mena Mena, AR VOICE: (501) 394-2211  515 Janssen Avenue P. O. Box 898 71953-08 98  FAX: (501) 3 9 4-3 809 Population: 5,475  Charter Number: 667 Date: July 25, 1934  County: Polk  Home Page: www.mena-ark.com/union/inex.htm Trust Department: No Bank Holding Company Union Bankshares, Inc., Mena, AR Chm: Edward W. Stevenson CEO/Pres: Danny Williams  SVP: Jesse Sullivan VP/Cash: Ruby Lunsford  Cash and Due fro m :......................................... 2,890 Federal Funds and Repos:...............................3,740 Investments:.....................................................25,026 Total Loans:.....................................................84,774 Premises and Fixed Assets:............................ 2,567 Other Real Estate:...................................................72 Other A ssets:..................................................... 1,531 Total Assets ..................................................120,600 Total Trust Assets ................................................... 0  Deposits:.................................................... 104.870 Federal Funds and Borrowings:......................760 Other Liabilities:................................................ 544 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 106.174 Total Equity Capital and Reserves:...........14,426 Total Liabilities and Capital:.....................120.600 Number of Shares O utstanding:............... 12,000  Directors: Robert A. Carver; John A. Crawford; R. L. Hamilton; David Maddox; Pauline Morrow; Edward W. Stevenson; Danny Williams; Bill L. Wood  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Hatfield, Wickes  80  Arkansas State Bank Department  Commercial Bank & Trust Company M onticelfo, AR VOICE: (870)367-6221 FAX: (870) 367-7700 Population: 8,116  212 West Gaines Street P .O .B o x 150 71657-0150  Charter Number: 396 Date: November 29, 1912 County: Drew  Trust Department: Yes Bank Holding Company Drew Bancshares, Inc., Monticello, AR Chm/CEO: Virginia M. Ryburn Pres/COO: George T. Harris  SVP: Gene Gates SVP/TO: Rusty Smith  Cash and Due from:.......................................... 9,153 Federal Funds and Repos:.......................................0 Investments:.................................................... 35,540 Total Loans:..................................................... 70,251 Premises and Fixed Assets:............................. 1,754 Other Real E state:................................................276 Other Assets:..................................................... 2,106 Total Assets:................................................ 119,080 Total Trust Assets:............................................ 8,318  Deposits:.................................................... 107,111 Federal Funds and Borrowings:..................... 705 Other Liabilities:................................................841 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 108,657 Total Equity Capital and Reserves:.......... 10,423 Total Liabilities and Capital:.................... 119,080 Number of Shares Outstanding:..................8,000  Directors: Joe Brannen; James Burks; C. C. Gibson, III; Reginald Glover; George T. Harris; R. D. Jones, Jr.; Wayne Owen; Bennie Ryburn, III; Bennie F. Ryburn, Jr.; Virginia M. Ryburn; Kim Ward Branches in Town: Three  Other Branches: None  Union Bank And Trust Company M onticello, AR VOICE: (870)460-6400 FAX: (870)460-6465 Population: 8,116  102 West McCloy P. O. Box 270 71655-0270  Charter Number: 448 Date: September 15, 1915 County: Drew  Home Page: www.unionbnk.com Trust Department: Yes Bank Holding Company First Union Financial Corporation, Monticello, AR Chm: Zach McClendon, Jr. CEO/Pres: James P. Jett  EVP/TO: Beverly Hudson VP/Cash: Reathel Harris  Cash and Due from :.......................................... 3,849 Federal Funds and Repos:............................. 14,825 Investments:.................................................... 28,213 Total Loans:..................................................... 92,397 Premises and Fixed Assets:............................. 1,939 Other Real E state:................................................232 Other Assets:..................................................... 2,281 Total Assets:................................................. 143,736 Total Trust Assets:.......................................... 11,951  Deposits:................................................... 126,359 Federal Funds and Borrowings:..................2,400 Other Liabilities:.............................................1,339 Subordinated Debt:.............................................. 0 Total Liabilities:........................................ 130,098 Total Equity Capital and Reserves:.......... 13,638 Total Liabilities and Capital:................... 143,736 Number of Shares Outstanding:............... 80,000  Directors: William K. Ball; Franks Carson, Jr.; Jonathan H. Davis; Charles F. Dearman, Jr.; Robert Dale Handley, Sr.; Charles E. Jackson; James P. Jett; Zach McClendon, Jr.; Wells Moffat; John Porter Price; Richard Reinhart; David E. Wilkins; Alan G. Williams  Branches in Town: Two   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Warren, Wilmar  81  Eighty-Fifth Report  Petit Jean State Bank M orrilton, AR VOICE: (501) 354-4988 FAX: (501)354-6560 Population: 6,551  707 North Saint Joseph Street P. 0. Box 680 72110  Charter Number: 777 Date: January 27, 1999 County: Conway  Trust Department: Yes Bank Holding Company None Pres: Charles S. Penick EVP: Paul Edenfield  EVP: Suzanne Hartman  Cash and Due fro m :.............................................947 Federal Funds and Repos:...................................... 0 Investments:....................................................... 1,528 Total Loans:.....................................................23,225 Premises and Fixed A ssets:................................500 Other Real Estate:.................................................... 0 Other A ssets:........................................................204 Total A ssets:....................................................26,404 Total Trust A ssets:................................................... 0  Deposits:......................................................21,015 Federal Funds and Borrowings:..................... 408 Other Liabilities:.................................................. 75 Subordinated Debt:...............................................0 Total Liabilities:............................................21,498 Total Equity Capital and Reserves:.............4,906 Total Liabilities and Capital:.......................26,404 Number of Shares Outstanding................ 50,000  Directors: Hal M. Calhoun, III; Katherine Foust; Thomas H. Hickey; Michael D. Koone; Otto L. Lienhart; John B. Maus, Jr.; Bruce M. Netherton; Charles L. Ormond; Charles S. Penick; Larry Wayne Smith; Stanton C. Willis Branches in Town: None  Other Branches: None  First Bank of Montgomery County M ount Ida, AR VOICE: (870)867-3148 FAX: (870) 867-4333 Population: 775  100 George Street P. O. Box 1228 71957-1228  Charter Number: 617 Date: November 26, 1930 County: Montgomery  Trust Department: No Bank Holding Company First Community Banking Corporation, Little Rock, AR Chm/CEO/Pres: Daniel C. Horton  Cash: Hettie Abernathy  Cash and Due fro m :..........................................1,985 Federal Funds and Repos:..................................690 Investments:.....................................................26,042 Total Loans:.....................................................44,499 Premises and Fixed A ssets................................ 496 Other Real Estate:.....................................................0 Other A ssets:..................................................... 1,019 Total A ssets:....................................................74,731 Total Trust A ssets:................................................... 0  Deposits:......................................................60,277 Federal Funds and Borrowings:.................. 3,414 Other Liabilities:................................................ 238 Subordinated Debt:............................................... 0 Total Liabilities:............................................63,929 Total Equity Capital and Reserves:...........10,802 Total Liabilities and Capital:.......................74,731 Number of Shares O utstanding:................. 4,000  Directors: A. L. Banta; Bill Barnes; Joe Brakefield, Jr.; Harold Campbell; Daniel C. Horton; Denver Jones; Bill Lawrence; Bobby Lybrand; Ode Maddox; G. R. Mosley; Doyel O'Neal; John Selig; Melvin L. Simpson  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  82  Arkansas State Bank Department  Peoples Bank And Trust Company Mountain Home, AR VOICE: (870)425-2166 FAX: (870) 424-4353 Population: 9,027  Ninth & Baker Streets P. O. Box 1906 72654-1906  Charter Number: 147 Date: August 10, 1906 County: Baxter  Home Page: wvwv.peoplesbank.org Trust Department: Yes Bank Holding Company BC Bancshares, Inc., Mountain Home, AR Chm: Reynie Rutledge CEO/Pres: Larry G. Nelson  EVP: Tim Coleman TO: Paul E. Johnson  Cash and Due from :.......................................... 7,018 Federal Funds and Repos:.................................. 800 Investments:.................................................... 91,452 Total Loans:................................................... 131,594 Premises and Fixed Assets:.............................3,641 Other Real Estate:................................................838 Other Assets:..................................................... 3,229 Total Assets:..................................................238,572 Total Trust Assets:.......................................... 66,840  Deposits:.................................................... 213,159 Federal Funds and Borrowings:.....................735 Other Liabilities:............................................ 2,060 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 215,954 Total Equity Capital and Reserves:.........22,618 Total Liabilities and C apital:.................... 238,572 Number of Shares Outstanding:..............110,000  Directors: James Faulkner; D. Eugene Fortson; Donald T. Jack, Jr.; Guy King; James Lindsey; Larry G. Nelson; N. T. Rutledge; Reynie Rutledge; W. M. Thompson Branches in Town: Two  Other Branches: Bull Shoals, Gassville  TrustBanc Mountain Home, AR VOICE: (870)424-4100 FAX: (870)424-4144 Population: 9,027  665 Hwy 62E P. O. Box 2130 72654-2130  Charter Number: 774 Date: May 12, 1998 County: Baxter  Trust Department: Yes Bank Holding Company None CEO/Pres: Phillip H. Young  CFO: Gregory D. Allen  Cash and Due from:.......................................... 2,025 Federal Funds and Repos:............................... 1,625 Investments:...................................................... 6,309 Total Loans:......................................................14,743 Premises and Fixed Assets:................................ 595 Other Real E state:.................................................... 0 Other Assets:........................................................ 229 Total Assets:................................................... 25,526 Total Trust Assets:....................................................0  Deposits:...................................................... 20,632 Federal Funds and Borrowings:..................... 888 Other Liabilities:................................................216 Subordinated Debt:.............................................. 0 Totai Liabilities:.......................................... 21.736 Total Equity Capital and Reserves:............ 3,790 Total Liabilities and Capital:...................... 25,526 Number of Shares Outstanding:.............. 41,030  Directors: Orlo L. Dietrich; Douglas E. Gregg; Jack Lee Gregory; Elton W. Kirby; Deborah Alford Knox; Hugh D. McClain; John Reese; Phillip H. Young  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  83  Eighty-Fifth Report  Bank of Mountain View Mountain View, AR VOICE: (870) 269-3815 FAX: (870) 269-2899 Population: 2,439  121 East Main Street P. O. Box 1228 72560-1228  Charter Number: 446 Date: July 21, 1915 County: Stone  Trust Department: No Bank Holding Company Mountain View Bancshares, Inc., Mountain View, AR Chm: Glen Hinkle Pres: James G. Hinkle  EVP: Weldon Duncan VP/Cash: Ron Sims  Cash and Due fro m :......................................... 2,462 Federal Funds and Repos:...............................5,200 Investments:.....................................................50,787 Total Loans:.....................................................59,190 Premises and Fixed Assets:................................931 Other Real Estate:................................................ 167 Other A ssets:.....................................................1,827 Total A ssets:..................................................120,564 Total Trust A ssets:................................................... 0  Deposits:......................................................99,618 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 560 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 100,178 Total Equity Capital and Reserves:.......... 20,386 Total Liabilities and Capital:.....................120,564 Number of Shares Outstanding:................. 4,000  Directors: Glen Hinkle; James G. Hinkle; Kenneth Sutton Other Branches: None  Branches in Town: One  Bank of Mulberry Mulberry, AR VOICE: (501) 997-1154 FAX: (501) 997-1161 Population: 1,448  311 Main Street P. O. Drawer A 72947-0480  Charter Number: 81 Date: January 15, 1902 County: Crawford  Trust Department: No Member of Federal Reserve System Bank Holding Company Acme Holding Company, Inc., Mulberry, AR Chm: Betty Feller CEO/Pres: Lex Golden  EVP/Cash: Alex Golden SVP/Aud: Dianna J. Millsap  Cash and Due fro m :..........................................1,741 Federal Funds and Repos:...............................5,890 Investments:.......................................................8,624 Total Loans:.....................................................30,222 Premises and Fixed A ssets:.............................1,771 Other Real Estate:................................................ 132 Other A ssets:........................................................ 509 Total A ssets:....................................................48,889 Total Trust A ssets:................................................... 0  Deposits:......................................................42,274 Federal Funds and Borrowings:......................847 Other Liabilities:............................................. 1,997 Subordinated Debt:............................................... 0 Total Liabilities:............................................45,118 Total Equity Capital and Reserves:.............3,771 Total Liabilities and Capital:.......................48,889 Number of Shares O utstanding:................. 4,000  Directors: Robert R. Baker; Jerry Dickerson; Betty Feller; Lex Golden; Randy Hollis; John Hunter; L. Jan Nordin; Steven D. Riggs  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Little Rock  Arkansas State Bank Department  84  Diamond State Bank Murfreesboro, AR VOICE: (870) 285-2172 FAX: (870) 285-2755 Population: 1,542  319 East Main P. 0. Box 279 71958-0279  Charter Number: 175 Date: December 19, 1904 County: Pike  Trust Department: No Bank Holding Company Bainum Bancorp II, Murfreesboro, AR Chm: Irvin C. Bainum CEO/Pres: John A. Ross  Cash: Brenda Roberts  Cash and Due from :.......................................... 6,480 Federal Funds and Repos:.................................. 800 Investments:.................................................... 22,590 Total Loans:..................................................... 77,529 Premises and Fixed Assets:............................. 3,810 Other Real Estate ..................................................22 Other Assets:..................................................... 1,999 Total Assets:.................................................113.230 Totai Trust Assets:.................................................... 0  Deposits:................................................... 101,075 Federal Funds and Borrowings:..................1,980 Other Liabilities:............................................... 410 Subordinated Debt:...............................................0 Total Liabilities:........................................ 103.465 Total Equity Capital and Reserves:............ 9,765 Total Liabilities and Capital:...................113,230 Number of Shares Outstanding:................17,200  Directors: Irvin C. Bainum; Mark Bainum; Tim Bainum; Robert Evans; Cooper Kizzia; Mike Moore; John A. Ross; Bill Spigner; George Steel, Sr.; Raymond Walls Branches in Town: None  Other Branches: DeCueen, Mineral Springs, Nashville  Dierks,  Merchants & Planters Bank Newport, AR VOICE: (870) 523-3601 FAX: (870) 523-3473 Population: 7,459  Second and Hazel P. O. Box 550 72112-0550  Charter Number: 694 Date: March 20, 1946 County: Jackson  Trust Department: Yes Bank Holding Company M & P Community Bancshares, Inc., Newport, AR Chm/CEO/Pres/TO: Jim S. Gowen, Sr. EVP: Terry Dillion  SVP: Carla Stiger SVP/Cash: Patricia McFarland  Cash and Due from :.......................................... 6.409 Federal Funds and R epos............................... 1.605 Investments..................................................... 42.138 Total Loans:..................................................... 55.966 Premises and Fixed Assets:.............................3.245 Other Real E state:..................................................27 Other Assets ..................................................... 2.483 Total Assets .................................................111.873 Total Trust Assets:............................................ 6.626  Deposits:...................................................... 98.496 Federal Funds and Borrowings:..................3,316 Other Liabilities:................................................627 Subordinated Debt:.............................................. 0 Total Liabilities:........................................ 102.439 Total Equity Capital and Reserves:............ 9,434 Total Liabilities and C apital:...................111.873 Number of Shares Outstanding:..................9,000  Directors: Morris Bowman; Thomas R. Curtner; Terry L. Dillon; Jim S. Gowen, Sr.; Dr. Troy A. Gray; Mary K. Hardin; Robert Harvey; Gerald A. Saracini; J. Edward Scoggins  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Batesville (3), McCrory, Pleasant Plains  85  E ig h t y - F if t h R e p o r t  American State Bank Osceola, AR VOICE: (870) 563-2265 FAX: (870) 655-8337 Population: 8,930  749 K eiser S treet P. O. Box 647 72 37 0-35 05  C h a rte r N um ber: 262 Date: O cto b e r 3, 1908 C ounty: M ississippi  T ru st D epartm ent: No Bank Holding C o m pa ny A S B C o rporation, Jon esb oro, AR  Chm/CEO: F rank O ldham Pres/COO: Steve G ram ling  EVP: Judy Dacus EVP: David D udley  Cash and Due from :...................................... 4,144 Federal Funds and Repos:....................................0 Investments:................................................. 32,748 Total Loans:................................................. 69,981 Premises and Fixed Assets:.......................... 5,315 Other Real Estate:.................................................0 Other Assets:................................................. 1.314 Total Assets:.............................................. 113,502 Total Trust Assets:................................................0  Deposits .................................................. 93.056 Federal Funds and Borrowings:............... 10,500 Other Liabilities:.............................................298 Subordinated Debt:............................................0 Total Liabilities:....................................... 103,854 Total Equity Capital and Reserves:............9,648 Total Liabilities and Capital:................... 113,502 Number of Shares Outstanding:................4,000  Directors: H arold C lem ons; David Dudley; R ogers Ford; P hillip Forrester; Steve G ram ling; Joe B. Hilliard; S ue M cG ow an; Frank O ldham ; Leon Sw indle; M ary Em ily Thom pson; Larry W am ble; R. L. W ells; Joe W essell; Joe W illia m s; M ichael E. W ilson ; M ildred P. W ilson ; R. E. L. W ilson , V; Steve A. W ilson Branches in Town: None  Other Branches:  Jo n e sb o ro (2), Keiser,  P aragould, W ilson  The Planters Bank Osceola, AR V O IC E: (870) 563-2666 FAX: (870) 56 3-3436 P opulation: 8,930  1300 W e st K eiser P. O. Box 407 72370-04 07  C h arter N um ber: 684 Date: A pril 13, 1944 C ounty: M ississippi  T rust D e pa rtm e nt: No Bank H olding C om pany R egions Financial C o rporation, B irm ingham , AL  Chm: S tep hen A. Cox VChm: G. L. Lieblong  Pres: D anny G ipson Cash: N ancy Hall  Cash and Due from :.......................................1,852 Federal Funds and Repos:....................................0 Investments:................................................. 10.464 Total Loans:................................................. 44.347 Premises and Fixed Assets ...........................1.135 Other Real Estate:.................................................0 Other Assets:.................................................... 930 Total Assets:................................................ 58.728 Totai Trust Assets:................................................0  Deposits:.................................................. 49.110 Federal Funds and Borrowings:.................4,100 Other Liabilities:.............................................480 Subordinated Debt:............................................0 Total Liabilities:......................................... 53.690 Total Equity Capital and Reserves:............5,038 Total Liabilities and Capital:..................... 58.728 Number of Shares Outstanding:..............20,000  Directors: Paul Billings; S tep hen A. Cox; V irg inia Cox; D anny G ipson; G. L. Lieblong; C harles J. Low rance, IV; D ew ey Neely; John N ew com b; Sloan R ainw ater; W illia m I. R ainw ater, Jr.; W illia m I. R ainw ater, Sr.; Lowell W inston , Jr.  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  86  Arkansas State Bank Department  Bank of Paragould Paragould, AR VOICE: (870)236-7000 FAX: (870) 240-8543 Population: 18,540  3005 West Kingshighway P. 0. Box 1547 72451-1547  Charter Number: 35 Date: September 19, 1895 County: Greene  Trust Department: No Bank Holding Company Security State Bancshares, Inc., Charleston, MO Chm: Don Burnett CEO/Pres: Glen Burnett  VP: Renee Faughn Sec: William Clayton Vandivort  Cash and Due from :............................................. 679 Federal Funds and Repos:............................... 1,230 Investments:...................................................... 1,032 Total Loans:....................................................... 9,165 Premises and Fixed Assets:................................ 744 Other Real Estate:.................................................... 0 Other Assets:........................................................ 370 Total Assets:.................................................... 13,220 Total Trust Assets:....................................................0  Deposits:.......................................................10,451 Federal Funds and Borrowings:......................... 0 Other Liabilities:..................................................46 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 10,497 Total Equity Capital and Reserves:............ 2,723 Total Liabilities and Capital:...................... 13,220 Number of Shares Outstanding:................12,500  Directors: Don Burnett; Glen Burnett; William Clayton Vandivort Branches in Town: None  Other Branches: None  Peoples Bank Paragould, AR VOICE: (870) 236-7623 FAX: (870)236-7492 Population: 18,540  300 West Emerson P .O .B o x 490 72451  Charter Number: 762 Date: September 13, 1991 County: Greene  Trust Department: Yes Bank Holding Company Spring Rivers Bancshares, Inc., Imboden, AR Chm/CEO/Pres: Charles F. Luter VP: Tim Wells  VP: Ross Whitney VP/Cash: Crete Rhodes  Cash and Due from :.......................................... 3,503 Federal Funds and Repos:.......................................0 Investments:...................................................... 7,102 Total Loans:..................................................... 93,908 Premises and Fixed Assets:............................. 1,089 Other Real Estate:................................................279 Other Assets:..................................................... 2,317 Total Assets:.................................................. 108,198 Total Trust Assets:.................................................... 0  Deposits:...................................................... 81,502 Federal Funds and Borrowings:................15,323 Other Liabilities:................................................648 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 97,473 Total Equity Capital and Reserves:.......... 10,725 Total Liabilities and C apital:.................... 108,198 Number of Shares Outstanding:................17,811  Directors: Rex Bouldin; Preston L. Clark; George E. Cook; Billy Gene Downing; Moud Gazaway; Charles F. Luter; Arthur Pillow  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Rector  87  Eighty-Fifth Report  Southeast Arkansas Bank Parkdale, AR VOICE: (870)473-2217 FAX: (870)473-2492 Population: 393  1853 Hwy. 165 South P. 0. Box 37 71661-0037  Charter Number: 141 Date: February 1, 1910 County: Ashley  Trust Department: No Bank Holding Company SEA Bancshares, Inc., Parkdale, AR Chm: Thomas R. Pugh CEO/EVP: Bruce Timmons  Pres: George L. Pugh  Cash and Due fro m :......................................... 3,017 Federal Funds and Repos:...................................... 0 Investments:.....................................................19,448 Total Loans:.....................................................35,726 Premises and Fixed A ssets:............................ 1,440 Other Real Estate:................................................ 141 Other A ssets:.....................................................1,214 Total A ssets:................................................... 60,986 Total Trust A ssets:................................................... 0  Deposits:......................................................50,045 Federal Funds and Borrowings:.................. 5,295 Other Liabilities:................................................ 350 Subordinated Debt:............................................... 0 Total Liabilities:............................................55,690 Total Equity Capital and Reserves:.............5,296 Total Liabilities and Capital:.......................60,986 Number of Shares Outstanding:............... 16,000  Directors: Mack H. Ball, Jr.; Carl John Bierbaum; John B. Currie, Sr.; William B. deYampert; Dewayne Haynes; James N. Murphy; Ernest O'Neal; Augustus H. Pugh; Frank A. Pugh; George L. Pugh; Leyden Pugh; Thomas R. Pugh; Neill Sloan Branches in Town: None  Other Branches: Wilmot  Eudora,  Hamburg,  First State Bank Parkin, AR VOICE: (870) 755-5401 FAX: (870) 755-5648 Population: 1,847  77 Parkin Avenue P. O. Box 526 72373-0526  Charter Number: 568 Date: June 5, 1925 County: Cross  Trust Department: No Bank Holding Company Parkin Bancorp, Inc., Parkin, AR Chm: William N. Griffin CEO/Pres: Frank G. Wallace  SVP/Cash: Brenda F. Williams VP: Gayle Cameron  Cash and Due fro m :..........................................1,909 Federal Funds and Repos:............................... 1,652 Investments:..................................................... 10,277 Total Loans:.....................................................30,431 Premises and Fixed A ssets:................................623 Other Real Estate:.....................................................0 Other A ssets:........................................................ 783 Total A ssets:................................................... 45,675 Total Trust A ssets:................................................... 0  Deposits:......................................................42,414 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 359 Subordinated Debt:............................................... 0 Total Liabilities:............................................42,773 Total Equity Capital and Reserves:.............2,902 Total Liabilities and Capital:.......................45,675 Number of Shares O utstanding:................. 4,000  Directors: Mark Baioni; Fred E. Brenner, Jr.; John A. Brenner; John A. Brenner, Jr.; Raymond S. Clift; Elizabeth N. Griffin; Neil Griffin; Russell H. Griffin; William N. Griffin; William N. Griffin, Jr.; Donald T. McKnight; J. E. McNeil, Jr.; William B. McSwain; Frank G. Wallace Other Branches: Earle, Marion, West Branches in Town: None Memphis   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  88  Arkansas State Bank Department  The Perry County Bank Perryville, AR VOICE: (501) 889-2318 FAX: (501) 889-5727 Population: 1,141  821 North Hwy. 10 P. O. Box 189 72126-0189  Charter Number: 690 Date: December 8, 1945 County: Perry  Trust Department: No Bank Holding Company Perry County Bancshares, Inc., Perryville, AR Chm: Robert M. Hill CEO/Pres: Brad Thresher  SVP: Joe Carter VP: Laura Hopper  Cash and Due from:.......................................... 2,237 Federal Funds and Repos:............................... 4,295 Investments:.................................................... 23,699 Total Loans:..................................................... 53,441 Premises and Fixed Assets:.............................2,363 Other Real Estate:..................................................37 Other Assets:........................................................ 789 Total Assets:...................................................86 861 Total Trust Assets:.................................................... 0  Deposits:...................................................... 78,610 Federal Funds and Borrowings:..................1,262 Other Liabilities:................................................532 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 80,404 Total Equity Capital and Reserves:............ 6,457 Total Liabilities and Capital:...................... 86,861 Number of Shares Outstanding:................16,000  Directors: Billie Jo Branscum; Herby Branscum, Jr.; James S. Branscum; Lee Gibbons; Robert M. Hill; Shirley Hill; J. Baylor House; Tracy M. Price; Jim Rankin; Charles V. Roland, Sr. Branches in Town: None  Other Branches: Bigelow, Morrilton  Piggott State Bank Piggott, AR VOICE: (870) 598-3802 FAX: (870) 598-2026 Population: 3,777  212 West Cherry P. O. Box 307 72454-0307  Charter Number: 613 Date: March 10, 1930 County: Clay  Trust Department: No Bank Holding Company Piggott Bankstock, Inc., Piggott, AR Chm/CEO/Pres: Paula O. Blackwell VP: Debra A. Mills  VP/Cash: James C. Poole  Cash and Due from :.......................................... 2,341 Federal Funds and Repos:............................... 3,900 Investments:.................................................... 17,826 Total Loans:..................................................... 30,124 Premises and Fixed Assets:................................ 726 Other Real Estate:..................................................58 Other Assets:.........................................................574 Total Assets:.................................................... 55,549 Total Trust Assets:.................................................... 0  Deposits:...................................................... 49.841 Federal Funds and Borrowings:......................... 0 Other Liabilities.................................................365 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 50,206 Total Equity Capital and Reserves:............ 5,343 Total Liabilities and Capital:...................... 55,549 Number of Shares Outstanding:..................4,000  Directors: Steve Bell; Paula O. Blackwell; James C. Poole  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  89  Eighty-Fifth Report  First State Bank Plainview, AR VOICE: (501) 272-4221 FAX: (501) 272-4154 Population: 685  Main & Broadway P. O. Box 277 72857-0277  Charter Number: 663 Date: January 12, 1934 County: Yell  Trust Department: No Bank Holding Company Clement Bancshares, Inc., Plainview, AR Chm: John Clement VChm: Charles Blanchard  Pres: Don Guess  Cash and Due fro m :......................................... 3,322 Federal Funds and Repos:..................................475 Investments:....................................................... 5,021 Total Loans:.....................................................66.935 Premises and Fixed A ssets:............................ 2,281 Other Real Estate:.................................................. 89 Other A ssets:.....................................................2,713 Total A ssets:....................................................80,836 Total Trust A ssets:................................................... 0  Deposits:......................................................67.226 Federal Funds and Borrowings:.................. 5,500 Other Liabilities:................................................ 247 Subordinated Debt:............................................... 0 Total Liabilities:............................................72.973 Total Equity Capital and Reserves:.............7,863 Total Liabilities and Capital........................80,836 Number of Shares Outstanding:...............20,000  Directors: Charles Blanchard; John Clement; Don Guess; Mike Miller; George Tippin; Ralph Wilson; Phil Wright Branches in Town: None  Other Branches: Ola, Russellville  Bank of Pocahontas Pocahontas, AR VOICE: (870) 892-5286 FAX: (870) 892-8381 Population: 6,151  1 Bank Plaza P. O. Bo x 467 72455-0467  Charter Number: 145 Date: October 31, 1903 County: Randolph  Home Page: www.bankopoc.com Trust Department: No Bank Holding Company Pocahontas Bankstock, Inc., Pocahontas, AR Chm/CEO/Pres: John R. Jackson, Jr. EVP: Ronald E. Wurtz  VP: Karen B. Martin VP: Michael L. Miller  Cash and Due fro m :..........................................3.425 Federal Funds and Repos .............................. 2.600 Investments:.....................................................20.963 Total Loans......................................................72,111 Premises and Fixed Assets ............................ 3.755 Other Real Estate:................................................ 169 Other A ssets:.....................................................1,521 Total A ssets:..................................................104,544 Total Trust A ssets:................................................... 0  Deposits:......................................................91.884 Federal Funds and Borrowings:.................. 2,000 Other Liabilities:................................................ 385 Subordinated Debt:............................................... 0 Total Liabilities:............................................94,269 Total Equity Capital and Reserves:...........10,275 Total Liabilities and Capital:.....................104,544 Number of Shares O utstanding:................. 5,000  Directors: Carol Belford-Lewallen; Frank Bigger; Don R. Cox; Phillip Futrell; John R. Jackson, Jr.; Michael L. McNabb; Ronald E. Wurtz  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Cave City  90  Arkansas State Bank Department  First Community Bank Pocahontas, AR VOICE: (870) 892-5252 FAX: (870) 892-8251 Population: 6,151  205 Rice Street P. 0. Box 587 72455-0587  Charter Number: 715 Date: June 12, 1962 County: Randolph  Trust Department: No Bank Holding Company Walden Holding Company, Pocahontas, AR Chm: Frank E. Walden CEO/Pres: Jeriel A. Summitt  EVP: Bill May EVP: John Phillips, III  Cash and Due from :.......................................... 2,123 Federal Funds and Repos:............................... 1,210 Investments:...................................................11,086 Total Loans:..................................................... 57,163 Premises and Fixed Assets:.............................2,416 Other Real E state:................................................375 Other Assets:..................................................... 1.513 Total Assets:.................................................... 75.886 Total Trust Assets:.................................................... 0  Deposits:...................................................... 68,942 Federal Funds and Borrowings:.....................625 Other Liabilities:................................................339 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 69.906 Total Equity Capital and Reserves:............ 5,980 Total Liabilities and C apital:...................... 75,886 Number of Shares Outstanding:............... 22,062  Directors: A. J. Baltz, Jr.; Bruce Burrow; Glenda Frangenberg; William Hurt, III; V. James King, Jr.; James R. McCurter; John Phillips, III; Jeriel A. Summitt; Frank E. Walden Branches in Town: None  Other Branches: Jonesboro (2)  The Peoples Bank Portland, AR VOICE: (870) 737-2236 FAX: (870) 737-2816 Population: 560  Main Street P. O. Box 178 71663-0178  Charter Number: 251 Date: January 22, 1908 County: Ashley  Trust Department: No Bank Holding Company Mainline Bankshares of Portland, Inc., Portland, AR Chm/CEO/Pres: Tipton Pugh VP: Mary Dean Pugh  Cash: Julia A. Sadler  Cash and Due from:............................................. 317 Federal Funds and Repos:...................................100 Investments:...................................................... 3.784 Total Loans:....................................................... 2.853 Premises and Fixed A sse ts .................................... 9 Other Real Estate .................................................... 0 Other Assets ....................................................... 157 Total A s s e ts ...................................................... 7.220 Total Trust Assets:.................................................... 0  Deposits:........................................................ 5.997 Federal Funds and Borrowings:......................... 0 Other Liabilities:..................................................23 Subordinated Debt:.............................................. 0 Total Liabilities:............................................. 6.020 Total Equity Capital and Reserves:............ 1,200 Total Liabilities and Capital:........................ 7.220 Number of Shares Outstanding:..................4,000  Directors: John T. Pugh, Jr.; Mary Dean Pugh; Suzanne R. Pugh; Tipton Pugh; Roy C. Tarvin  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  91  Eighty-Fifth Report  Portland Bank Portland, AR VOICE: (870) 737-2226 FAX: (870) 737-4263 Population: 560  Main Street P. O. Box 68 71663-0068  Charter Number: 57 Date: April 23, 1900 County: Ashley  Trust Department: No Bank Holding Company Portland Bankshares, Inc., Portland, AR Chm: Robert D. Pugh CEO/Pres: Jerry D. Sadler  EVP: Walter Rutledge SVP: Chris Lampkin  Cash and Due fro m :..........................................1,257 Federal Funds and Repos:..................................475 Investments:.......................................................8,733 Total Loans:.....................................................34,447 Premises and Fixed A ssets:............................ 1,805 Other Real Estate:.................................................... 0 Other A ssets:........................................................436 Total A ssets:....................................................47,153 Total Trust A ssets:................................................... 0  Deposits:......................................................41,230 Federal Funds and Borrowings:.................. 2,258 Other Liabilities:................................................ 340 Subordinated Debt:............................................... 0 Total Liabilities:............................................43,828 Total Equity Capital and Reserves:.............3,325 Total Liabilities and Capital:.......................47,153 Number of Shares Outstanding:............... 20,000  Directors: Mack Borgognoni; C. E. Bridewell; Benton Newcome; Joel Newcome; Robert D. Pugh; Walter Rutledge; Jerry D. Sadler; Eddie Scherm Branches in Town: None  Other Branches: Monticello (2)  The Farmers & Merchants Bank Prairie Grove, AR 102 East Buchanan P. O. Box 207 72753-0207  VOICE: (501) 846-2115 FAX: (501)846-3942 Population: 1,761  Charter Number: 166 Date: August 29, 1904 County: Washington  Home Page: www.fmb.arvest.com Trust Department: No Member of Federal Reserve System Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR Chm: Jim C. Walton CEO/Pres: Gregory D. Reed  EVP: Steven L. Purdy VP: Jenny Stinchcomb  Cash and Due fro m :..........................................3,002 Federal Funds and Repos:.............................. 6,175 Investments:.....................................................26,890 Total Loans:.....................................................69,765 Premises and Fixed A ssets:.............................1,566 Other Real Estate:.....................................................0 Other A ssets:..................................................... 1,566 Total A ssets:..................................................108,964 Total Trust A ssets:................................................... 0  Deposits:......................................................95,786 Federal Funds and Borrowings:.................. 4,286 Other Liabilities:................................................ 784 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 100,856 Total Equity Capital and Reserves:.............8,108 Total Liabilities and Capital:.....................108,964 Number of Shares O utstanding:............... 12,000  Directors: Doyle Baker; Billy J. Bartholomew; Michael E. Bartholomew; Michael H. Fidler; David M. Parks; Gregory D. Reed; James C. Rieff; Jim C. Walton  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Farmington, West Fork  Arkansas State Bank Department  92  Bank of Prescott Prescott, AR VOICE: (870) 887-2688 FAX: (870) 887-6822 Population: 3,673  East Second at Main Drawer 490 71857-0490  Charter Number: 162 Date: August 10, 1904 County: Nevada  Trust Department: Yes Bank Holding Company First State Holding Company of Prescott, Prescott, AR Chm: John Warren Brannan, Sr. CEO/Pres: John Warren Brannan, Jr.  EVP: James E. Franks VP: Faith Beavert  Cash and Due from :.......................................... 1,550 Federal Funds and Repos:............................... 1,700 Investments:.................................................... 33,202 Total Loans:..................................................... 27.566 Premises and Fixed Assets:................................ 513 Other Real Estate:....................................................0 Other Assets:......................................................1.423 Total Assets:.................................................... 65,954 Total Trust Assets:.................................................... 0  Deposits:...................................................... 58.701 Federal Funds and Borrowings:......................... 0 Other Liabilities.................................................364 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 59,065 Total Equity Capital and Reserves:............ 6,889 Total Liabilities and C apital:...................... 65,954 Number of Shares Outstanding:............... 24,000  Directors: John Warren Brannan, Jr.; John Warren Brannan, Sr.; Carl Dalrymple, Jr.; B. A. DeLamar; James E. Franks; Robert L. Godwin; Billy Hines; Jean K. Jones; Abb Morman; R. W. Murry; Larry Rhodes; Robert Smith; John Vansickle Branches in Town: None  Other Branches: None  The Bank of Rison Rison, AR VOICE: (870) 325-6251 FAX: (870) 325-7661 Population: 1,258  200 Main Street P. O. Box 345 71665-0345  Charter Number: 650 Date: March 7, 1932 County: Cleveland  Trust Department: No Bank Holding Company None Chm: James L. Moore, Jr. CEO/Pres: James R. Hopson  AVP: Cliff Hopson AVP/Cash: Judy Thompson  Cash and Due from :.......................................... 2,422 Federal Funds and Repos:............................... 1,300 Investments:...................................................... 8,287 Total Loans:..................................................... 10,665 Premises and Fixed Assets:................................ 159 Other Real Estate:..................................................40 Other Assets:..................................................... 1,101 Total Assets..................................................... 23.974 Total Trust A s s e ts .................................................... 0  D eposits...................................................... 20,023 Federal Funds and Borrowings:......................... 0 Other Liabilities:............................................... 295 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 20.318 Total Equity Capital and Reserves:............ 3,656 Total Liabilities and Capital:...................... 23,974 Number of Shares Outstanding:..................4,000  Directors: John W. Elrod; James R. Hopson; Ray B. Martin; James L. Moore, III; James L. Moore, Jr.  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  93  Eighty-Fifth Report  Bank of Rogers Rogers, AR VOICE: (501)621-6800 FAX: (501)621-6801 Population: 33,000  801 N. Dixieland P. O. Box 699 72757-0699  Charter Number: 765 Date: October 26, 1995 County: Benton  Trust Department: No Member of Federal Reserve System Bank Holding Company BOR Bancshares, Inc., Rogers, AR Pres: Dick McLelland EVP: Guy J. Cable  SVP: Scott Franklin VP: Pamela Evans  Cash and Due fro m :......................................... 2,699 Federal Funds and Repos:.............................. 3,705 Investm ents.................................................... 11 769 Total Loans:.....................................................46,491 Premises and Fixed Assets:............................ 1,072 Other Real Estate:.................................................. 62 Other A ssets:........................................................865 Total A ssets:................................................... 66,663 Total Trust A ssets:................................................... 0  Deposits:......................................................59,489 Federal Funds and Borrowings:...................1,500 Other Liabilities:................................................ 442 Subordinated Debt:............................................... 0 Total Liabilities:............................................61,431 Total Equity Capital and Reserves:.............5,232 Total Liabilities and Capital:.......................66.663 Number of Shares O utstanding:...............32,150  Directors: Dick McLelland; Virginia Mocivnik; Jerry Pittman; Kent Rylee; Tony Steele; David Swearingen; Colon Washburn; Lewis Yarborough Branches in Town: One  Other Branches: Lowell  First Western Bank and Trust Company Rogers, AR VOICE: (501)631-0107 FAX: (501) 936-2013 Population: 33,000  401 West Walnut P. O. Box 547 72757-0547  Charter Number: 757 Date: July 26, 1991 County: Benton  Home Page: www.firstwesternbank.net Trust Department: Yes Bank Holding Company First Western Bancshares, Inc., Booneville, AR Chm/CEO: John T. Hampton Pres: Nathan Gairhan  SVP/Cash: J. Lynne Coan  Cash and Due from ..........................................3.042 Federal Funds and Repos...................................420 Investments:....................................................... 8,801 Total Loans:.....................................................25.541 Premises and Fixed A ssets:............................ 1.971 Other Real Estate:............................... 341 Other A ssets:..................................................... 1.222 Total A ssets:....................................................41.338 Total Trust Assets ................................................... 0  Deposits ......................................................36.783 Federal Funds and Borrowings'..........................0 Other Liabilities:................................................ 251 Subordinated D e b t............................................... 0 Total Liabilities:............................................ 37.034 Total Equity Capital and Reserves:.............4,304 Total Liabilities and Capital:.......................41.338 Number of Shares Outstanding:............... 17,000  Directors: Dr. Paul Becton; Bob Crafton; Nathan Gairhan; Jeral L. Hampton; John T. Hampton; Jack McHaney; Jim Shearin; Howard Slinkard; Alan Sparks; Dale Webster  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Bella Vista  94  Arkansas State Bank Department  Simmons First Bank of Northwest Arkansas Rogers, AR VOICE: (501)636-0884 FAX: (501)636-7114 Population: 33,000  111 North 8th Street P. 0. Box 1803 72756  Charter Number: 672 Date: July 8, 1935 County: Benton  Trust Department: Yes Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Joe S. Mills VP: Gail A. Jordan  VP/Cash: Darlene Cheatham  Cash and Due from :.......................................... 6,298 Federal Funds and Repos:............................... 1,350 Investments:.................................................... 37,974 Total Loans:................................................... 108,443 Premises and Fixed Assets:.............................4,430 Other Real Estate:................................................716 Other Assets:..................................................... 4,118 Total Assets:................................................. 163,329 Total Trust Assets:....................................................0  Deposits:.................................................... 145,631 Federal Funds and Borrowings:..................1,475 Other Liabilities:.............................................1,189 Subordinated D ebt:.............................................. 0 Total Liabilities:........................................ 148,295 Total Equity Capital and Reserves:.......... 15,034 Total Liabilities and Capital:................... 163,329 Number of Shares Outstanding:................18,000  Directors: Marvin Griffin; Craig Hunt; Herbert Lewis, Jr.; William Mahon; Joe S. Mills; Loyd R. Swope; Sonya Jones Yates Branches in Town: None  Other Branches: Fayetteville, Lincoln, Springdale  Bella Prairie  Vista, Grove,  First Arkansas Valley Bank Russellville, AR VOICE: (501) 967-2151 FAX: (501)967-1456 Population: 21,260  401 North Arkansas Avenue, Suite 101 Charter Number: 714 P .O .B o x 4026 Date: August 29, 1961 72811 County: Pope Trust Department: Yes Bank Holding Company Chambers Bancshares, Inc., Danville, AR  Chm/CEO: Roy A. Reaves Pres: Benny R. Harris  EVP: Michael A. Jacimore VP/TO: Ellen C. Tarkington  Cash and Due from :.......................................... 5,691 Federal Funds and Repos:............................... 9,195 Investments:.................................................... 65,972 Total Loans:.................................................. 120,483 Premises and Fixed Assets:............................. 5,223 Other Real Estate:................................................227 Other Assets:..................................................... 5,607 Total Assets:..................................................212,398 Total Trust Assets:............................................ 2,705  Deposits:................................................... 193,500 Federal Funds and Borrowings:..................2,255 Other Liabilities:............................................ 1,231 Subordinated Debt:.............................................. 0 Total Liabilities:........................................ 196,986 Total Equity Capital and Reserves:.......... 15,412 Total Liabilities and Capital:....................212,398 Number of Shares Outstanding:................78,329  Directors: John Ed Chambers, III; Dain Duvall; Ray L. Ferguson; Nathan V. George; Benny R. Harris; Don Helms; Carl Rackley; Roy A. Reaves; Donald C. Riley; Gene D. Ring; Ray L. Robinson; Leslie F. Thone  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Atkins, Dardanelle (2), Pottsville  95  Eighty-Fifth Report  River Valley Bank Russellville, AR VOICE: (501)498-2265 FAX: (501)498-2259 Population: 21,260  Charter Number: 768 Date: April 14, 1997 County: Pope  405 West Main Street P. 0 . Box 1420 72811-1420 Trust Department: No Bank Holding Company RVB Bancshares, Inc., Russellville, AR  CEO/Pres: James Biggers EVP/CFO: Judy Lawton  SVP: Robert E. Dale VP: Sherry L. Jeffery  Cash and Due fro m :..........................................1,049 Federal Funds and Repos:....................................65 Investments:.......................................................2,473 Total Loans:.....................................................24,343 Premises and Fixed A ssets:............................ 1,456 Other Real Estate:.....................................................0 Other A ssets:........................................................433 Total A ssets:................................................... 29,819 Total Trust A ssets.................................................... 0  Deposits:......................................................26,319 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 163 Subordinated Debt:............................................... 0 Total Liabilities:............................................26,482 Total Equity Capital and Reserves:.............3,337 Total Liabilities and Capital:.......................29,819 Number of Shares Outstanding:............... 13,268  Directors: James Bibler; James Biggers; Dr. Charles Boyce; James Johnson; Judy Lawton; Alex Streett; Mac Van Horn Branches in Town: None  Other Branches: None  Simmons First Bank of Russellville R ussellville, AR VOICE: (501)967-8000 FAX: (501)968-6491 Population: 21,260  800 North Arkansas Avenue P .O .B o x 3010 72811-3010  Charter Number: 192 Date: September 29, 1905 County: Pope  Trust Department: Yes Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR Chm/CEO: Ronald B. Jackson Pres: Gene Thomason  EVP: Max Sherry EVP: Denton Tumbleson  Cash and Due fro m :..........................................5,727 Federal Funds and Repos:...................................... 0 Investments:.....................................................58,770 Total Loans:...................................................137,173 Premises and Fixed A ssets:............................ 6,566 Other Real Estate:................................................ 201 Other A ssets:.................................................. 22,852 Total A ssets:................................................. 231,289 Total Trust A ssets:................................................... 0  Deposits:.................................................... 175,989 Federal Funds and Borrowings:.................. 8,625 Other Liabilities:............................................. 1,473 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 186,087 Total Equity Capital and Reserves:.......... 45,202 Total Liabilities and Capital:.....................231,289 Number of Shares Outstanding:............... 10,000  Directors: Keith Cogswell; Ronald B. Jackson; Johnny Morgan; Tom Spillyards; Ed Stingley; Gene Thomason; Sharon Trusty; C. Tim White Branches in Town: Three   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: London  Clarksville,  Hector,  96  Arkansas State Bank Department  Bank of Salem Salem, AR VOICE: (870) 895-2591 FAX: (870) 895-3825 Population: 1,474  202 Church Street P. O. Box 338 72576-0338  Charter Number: 266 Date: December 9, 1908 County: Fulton  Trust Department: No Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm: Richard T. Smith CEO/Pres: Mark Montgomery  SVP/COO/Cash: Frances Atkins  Cash and Due from:.......................................... 2,544 Federal Funds and Repos:.......................................0 Investments:.................................................... 10,171 Total Loans:..................................................... 62,446 Premises and Fixed Assets:................................ 611 Other Real E state:................................................239 Other Assets:..................................................... 1,438 Total Assets:.................................................... 77.449 Total Trust Assets..................................................... 0  Deposits:...................................................... 67,802 Federal Funds and Borrowings:..................1,779 Other Liabilities:................................................385 Subordinated Debt .............................................. 0 Total Liabilities:........................................... 69,966 Total Equity Capital and Reserves:............ 7,483 Total Liabilities and Capital:...................... 77,449 Number of Shares Outstanding:............... 20,000  Directors: L. R. "Jack" Cochran; Mark Montgomery; Marvin Newton; C. Dwayne Plumlee; Richard T. Smith Branches in Town: None  Other Branches: Viola  Logan County Bank S cran to n , AR  VOICE: (501) 938-2511 FAX: (501)938-7084 Population: 218  600 Main Street P. O. Box 85 72863-0085  Charter Number: 578 Date: April 7, 1926 County: Logan  Trust Department: No Bank Holding Company None Chm/CEO/Pres: Joe Fritsche VP: Jerry L. Davis  VP: Gary Fritsche Cash: Don Fritsche  Cash and Due from :.......................................... 2,520 Federal Funds and Repos:.......................................0 Investments:.................................................... 22,786 Total Loans:..................................................... 18,929 Premises and Fixed Assets:................................ 510 Other Real E state:....................................................6 Other Assets:........................................................ 641 Total Assets:.................................................... 45,392 Total Trust Assets:.................................................... 0  Deposits:...................................................... 37.756 Federal Funds and Borrowings:..................... 360 Other Liabilities:................................................173 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 38,289 Total Equity Capital and Reserves:............ 7,103 Total Liabilities and C apital:...................... 45,392 Number of Shares Outstanding:..................4,000  Directors: Margaret Ahne; Gary Fritsche; Joe Fritsche; Mildred Fritsche; Regina M. Layes Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Subiaco  97  Eighty-Fifth Report  First Security Bank Searcy, AR 314 North Spring P. O. Box 1009 72145-1009  VOICE: (501) 279-3400 FAX: (501) 279-3455 Population: 18,000  Charter Number: 649 Date: February 6, 1932 County: White  Home Page: fsb@cswnet.com Trust Department: Yes Bank Holding Company First Security Bancorp, Searcy, AR Chm/CEO: Reynie Rutledge Pres: James G. Wilson  EVP: B. Art Rand TO: Frank Faust  Cash and Due fro m :........................................13,296 Federal Funds and Repos:...................................... 0 Investments:...................................................114.537 Total Loans:...................................................356.672 Premises and Fixed A ssets:.......................... 11,495 Other Real E s ta te ................................................ 511 Other A ssets:.....................................................6.528 Total A ssets.................................................. 503.039 Total Trust A ssets:......................................... 46.464  Deposits:....................................................443.756 Federal Funds and Borrowings:..................... 619 Other Liabilities:............................................. 1.814 Subordinated Debt:............................................... 0 Total Liabilities:..........................................446.189 Total Equity Capital and Reserves:...........56,850 Total Liabilities and Capital:.....................503.039 Number of Shares O utstanding:...............24,000  Directors: Dr. David Burks; Larry Crain; Robert Elliott; John McKnight; B. Art Rand; Wayne Ridout; Porter Rodgers; N. T. Rutledge; Reynie Rutledge; Jim Tarkington; James G. Wilson; E. D. Yancey; Albert Yarnell Branches in Town: Four  Other Branches: Beebe (3), Cabot (2), Fayetteville, Griffithville, Heber Springs, Judsonia, McRae, Pangburn, Rogers  Simmons First Bank of Searcy Searcy, AR VOICE: (501) 268-7575 FAX: (501) 268-1551 Population: 18,000  125 North Poplar P. O. Box 1349 72145-1349  Charter Number: 528 Date: February 17, 1922 County: White  Trust Department: No Member of Federal Reserve System Bank Holding Company Simmons First National Corporation, Pine Bluff, AR CEO/Pres: Charles Green EVP: Brooks Davis  SVP: Gene Trammel SVP/Cash: Chris Rainbolt  Cash and Due fro m :......................................... 3.002 Federal Funds and Repos:...............................1.875 Investments:.....................................................24.457 Total Loans:.....................................................77.931 Premises and Fixed Assets ............................ 2.109 Other Real Estate:.................................................... 0 Other A ssets;.....................................................7.274 Total A ssets:..................................................116.648 Total Trust Assets ................................................... 0  Deposits:......................................................96.554 Federal Funds and Borrowings:.................. 4,713 Other Liabilities:............................................. 1.330 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 102.597 Total Equity Capital and Reserves:...........14,051 Total Liabilities and Capital:.....................116,648 Number of Shares Outstanding:............... 10,000  Directors: Frank Carder; Richard Cargile; Jim Carr; Dennis Donovan; Al Fowler; Charles Green; Dr. Gene Joseph; Lloyd McCracken, Jr.; Lee Stephenson Branches in Town: Two   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Kensett  Arkansas State Bank Department  98  Arkansas State Bank Siloam Springs, AR VOICE: (501) 524-8101 FAX: (501) 524-3307 Population: 8,151  318 East Main Street P. O. Box 400 72761-0400  Charter Number: 713 Date: January 12, 1960 County: Benton  Trust Department: Yes Bank Holding Company None CEO/Pres: Arthur Morris EVP/Cash: Beverly Lescard  EVP/TO: Curtis Hutchins SVP: Tommy Free  Cash and Due from:.......................................... 4,177 Federal Funds and Repos:............................... 8,300 Investments:.................................................... 48,101 Total Loans:..................................................... 54,444 Premises and Fixed Assets:.............................2,705 Other Real Estate:................................................190 Other Assets:..................................................... 1,551 T otal Assets:.................................................119,468 Total Trust Assets:............................................ 6,085  Deposits:...................................................... 96,531 Federal Funds and Borrowings:..................... 136 Other Liabilities:............................................... 451 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 97,118 Total Equity Capital and Reserves:.......... 22,350 Total Liabilities and C apital:.................... 119,468 Number of Shares Outstanding:............... 72,000  Directors: Delbert Allen, Jr.; Roderick Allen; Robert H. Brown; H. E. Harrison, Jr.; Charles C. Jones; Arthur Morris; Mark Simmons; Duane Thomas Other Branches: Gentry  Branches in Town: One  First Arvest Bank Siloam Springs, AR VOICE: (501)524-6404 FAX: (501) 549-1296 Population: 8,151  1645 Highway 412 West P. O. Box 130 72761-0130  Charter Number: 780 Date: June 24, 1999 County: Benton  Trust Department: Yes Member of Federal Reserve System Bank Holding Company Siloam Springs Bancshares, Inc., Bentonville, AR Pres: Warren Fields SVP: Clifford Gibbs  SVP: Nellie J. Goodman VP: Martha Walker  Cash and Due from :.......................................... 4,188 Federal Funds and Repos:............................. 17,075 Investments:.................................................... 53,416 Total Loans:.................................................. 139,748 Premises and Fixed Assets:............................. 1,855 Other Real E state:................................................183 Other Assets:..................................................... 2,690 Total Assets:..................................................219,155 Total Trust Assets:....................................................0  Deposits:.................................................... 179,814 Federal Funds and Borrowings:............... 21,727 Other Liabilities:.............................................1,651 Subordinated Debt:.............................................. 0 Total Liabilities:......................................... 203,192 Total Equity Capital and Reserves:.......... 15,963 Total Liabilities and Capital:.................... 219,155 Number of Shares Outstanding:............ 100,000  Directors: Lee Balzer; Mary Benjamin; Lynch Butler; Warren Fields; Linda Gregory; Grady Lamb; Railey Steele; Jim C. Walton; Marion K. Wasson  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Gentry  99  Eighty-Fifth Report  Smackover State Bank Smackover, AR VOICE: (870) 725-3051 FAX: (870) 725-3049 Population: 2,232  Charter Number: 600 Date: April 18, 1928 County: Union  708 North Broadway P. O. Drawer 107 71762-0107 Trust Department: Yes  Bank Holding Company Smackover Bancshares, Inc., Smackover, AR Chm/CEO: Max O. Taylor Pres: Bob Willett  SVP: J. Drew Tennyson SVP/TO: James B. Yeager  Cash and Due fro m :......................................... 2,167 Federal Funds and Repos:..................................685 Investments:.....................................................36,385 Total Loans:.....................................................51,023 Premises and Fixed Assets:............................... 644 Otner Real E s ta te .............................................. 147 Other A ssets:..................................................... 1,046 Total A ssets:....................................................92,097 Total Trust A ssets:............................................ 1,397  Deposits:......................................................76.813 Federal Funds and Borrowings:.................. 2,266 Other Liabilities:................................................ 403 Subordinated Debt:............................................... 0 Total Liabilities:............................................79,482 Total Equity Capital and Reserves:...........12,615 Total Liabilities and Capital:.......................92,097 Number of Shares Outstanding:............. 100,000  Directors: Gary DeYampert; Max O. Taylor; J. Drew Tennyson; James M. Tennyson; John D. Trimble; Bob Willett; James B. Yeager Branches in Town: None  Other Branches: El Dorado, Norphlet  Merchants & Planters Bank Sparkman, AR Commerce & Main Streets P. O. Box 127 71763-0127  VOICE: (870) 678-2251 FAX: (870)678-2401 Population: 553  Charter Number: 457 Date: September 19, 1916 County: Dallas  Trust Department: No Bank Holding Company Riverside Bancshares, Inc., Little Rock, AR Chm: David Matchet Pres/COO: Larry Gaston  VP: Kathryn Daniell VP: Patricia Wright  Cash and Due fro m :.............................................614 Federal Funds and Repos:...................................... 0 Investments:....................................................... 5,341 Total Loans:.....................................................20,095 Premises and Fixed A ssets:................................762 Other Real E s ta te .................................................... 0 Other A ssets:........................................................ 528 Total A ssets:....................................................27.340 Tota: Trust A ssets:................................................... 0  Deposits ......................................................23.423 Federal Funds and Borrowings.................. 1,885 Other Liabilities:.................................................125 Subordinated D e b t............................................... 0 Total Liabilities........................................... 25 433 Total Equity Capital and Reserves:........... 1,907 Total Liabilities and Capital:.......................27.340 Number of Shares O utstanding:................. 3,000  Directors: Stephen C. Davis; G. W. DeLaughter; Charles T. Gaston; David Matchet; Walter Quinn  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  100  Arkansas State Bank Department  Springdale Bank and Trust Springdale, AR VOICE: (501) 756-7000 FAX: (501) 756-7077 Population: 29,941  415 West Emma P. 0. Box 5000 72765-5000  Charter Number: 339 Date: May 6, 1911 County: Washington  Trust Department: Yes Member of Federal Reserve System Bank Holding Company Arvest Bank Group, Inc., Bentonville, AR CEO/Pres: Buddy D. Philpot EVP: Dennis Smiley  SVP: Kent Williamson  Cash and Due from :.......................................... 7,397 Federal Funds and Repos:............................... 4,575 Investments:.................................................... 39,606 Total Loans:.................................................. 150,377 Premises and Fixed Assets:.............................4,821 Other Real Estate:..................................................93 Other Assets:..................................................... 2,520 Total Assets:..................................................209,389 Total Trust Assets:.................................................... 0  Deposits:................................................... 163,968 Federal Funds and Borrowings:............... 28,400 Other Liabilities:............................................ 1,123 Subordinated Debt:.............................................. 0 Total Liabilities:........................................ 193,491 Total Equity Capital and Reserves:.......... 15,898 Total Liabilities and Capital:.................... 209,389 Number of Shares Outstanding:..................5,500  Directors: James Baker; Richard P. Calhoun; Joy Drummonds; Sammy Fiser; Buddy D. Philpot; Stephen Shaddox; Philip Taldo; Willard Walker; Jim C. Walton; Bob Wood Branches in Town: Six  Other Branches: None  Bodcaw Bank Stamps, AR VOICE: (870)533-4486 FAX: (870)533-4456 Population: 2,478  401 Thomas Street P. O. Box 8 71860-0008  Charter Number: 106 Date: December 8, 1902 County: Lafayette  Trust Department: No Bank Holding Company Bodcaw Bancshares, Inc., Stamps, AR Chm/CEO: James R. Nipper Pres: J. Paul Nipper  Cash: Brenda Scroggins  Cash and Due from :.......................................... 1,267 Federal Funds and Repos:............................... 2,940 Investments:.................................................... 38,335 Total Loans:..................................................... 14,401 Premises and Fixed Assets:................................ 146 Other Real Estate:.................................................... 0 Other Assets:........................................................ 623 Total Assets:.................................................... 57,712 Total Trust Assets:.................................................... 0  Deposits:...................................................... 47,861 Federal Funds and Borrowings:......................... 0 Other Liabilities:................................................567 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 48,428 Total Equity Capital and Reserves:............ 9,284 Total Liabilities and Capital:...................... 57,712 Number of Shares Outstanding:................10,000  Directors: Charles L. Cabe, Jr.; Roy Z. Kimbell, Sr.; J. Paul Nipper; James R. Nipper; Cynthia Cook Sandefur; J. Woodrow Smith  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  101  Eighty-Fifth Report  Bank of Star City Star City, AR VOICE: (870)628-4286 FAX: (870) 628-5274 Population: 2,138  116 North Lincoln P. O. Drawer 69 71667-0069  Charter Number: 567 Date: April 27, 1925 County: Lincoln  Trust Department: No Bank Holding Company Star City Bancshares, Inc., Star City, AR Chm/CEO: Bennie F. Ryburn, Jr. Pres: R. Mark Owen  EVP/Cash: Anneta R. Moore VP: Jeff Garner  Cash and Due fro m :......................................... 4,115 Federal Funds and Repos:...................................... 0 Investments:.....................................................17,555 Total Loans:.....................................................45,145 Premises and Fixed Assets:............................ 2,871 Other Real Estate:...................................................13 Other A ssets:.....................................................1,068 Total A ssets:....................................................70,767 Total Trust A ssets:................................................... 0  Deposits:......................................................60,760 Federal Funds and Borrowings:.................. 1,918 Other Liabilities:................................................ 287 Subordinated Debt:............................................... 0 Total Liabilities:............................................62,965 Total Equity Capital and Reserves:.............7,802 Total Liabilities and Capital:.......................70,767 Number of Shares O utstanding:............... 15,000  Directors: Robert S. Floyd; Bill Frizzell; Keith Griffin; Lucille Ollar; R. Mark Owen; Pat Riley, Jr.; Bennie F. Ryburn, Jr.; Marion Ryburn; Weldon Wynn Branches in Town: None  Other Branches: Gould, Pine Bluff  The Stephens Security Bank Stephens, AR VOICE: (870) 786-5416 FAX: (870) 786-5419 Population: 1,137  105 Ruby Street P. O. Box 7 71764-0007  Charter Number: 692 Date: February 8, 1946 County: Ouachita  Trust Department: No Bank Holding Company Smith Associated Banking Corporation, Hot Springs, AR Chm: Richard T. Smith Pres: Carol Reaves  VP/Cash: Cheryl Brown  Cash and Due fro m :.............................................787 Federal Funds and Repos:..................................525 Investments:.......................................................6,075 Total Loans:..................................................... 18,015 Premises and Fixed A ssets:............................... 201 Other Real Estate:.................................................... 0 Other A ssets:........................................................ 385 Total A ssets:....................................................25,988 Total Trust A ssets:................................................... 0  Deposits:......................................................23,046 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 114 Subordinated Debt:............................................... 0 Total Liabilities:............................................23,160 Total Equity Capital and Reserves:.............2,828 Total Liabilities and Capital:.......................25,988 Number of Shares O utstanding:............... 11,000  Directors: Duncan Grayson; Carol Reaves; Guy Smith; Richard T. Smith; Colon Watson; Jay C. Wilson  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  102  Arkansas State Bank Department  The Farmers and Merchants Bank Stuttgart, AR V O IC E: (8 7 0 )6 7 3 -6 9 1 1 FAX: (870) 67 2-4282 P opulation: 10,420  S eventh & Main S treets P. O. Box 947 72160-0947  C h a rte r N um ber: 687 Date: D e cem b er 29, 1944 C ounty: A rka n sa s  T rust D epartm ent: Yes M em b er of Federal R eserve S ystem B ank Holding C o m pa ny T he F arm ers and M erch an ts B ankshares, Inc., S tuttgart, AR  Chm: Roy O. M cC ollum , III CEO/Pres: Don Pattillo  Cash: C aroll Fow ler TO: R ichard M cM inn  Cash and Due from:....................................... 9,235 Federal Funds and Repos:.................................... 0 Investments:.................................................74,128 Total Loans:..................................................94,284 Premises and Fixed Assets:........................... 1,961 Other Real Estate:.............................................159 Other Assets:................................................. 4,811 Total Assets:............................................. 184,578 Total Trust Assets:....................................... 40,413  Deposits:............................................... 146,340 Federal Funds and Borrowings:.............. 15,857 Other Liabilities:......................................... 1,033 Subordinated Debt:........................................... 0 Total Liabilities:..................................... 163,230 Total Equity Capital and Reserves:......... 21,348 Total Liabilities and Capital:................. 184,578 Number of Shares Outstanding............... 91,486  Directors: Jerry Carter; N icky H argrove; Roy O. M cC ollum , III; Don P attillo; M ickey Pierce; R obert H. Pond; R obert S eide nstricker; Patricia M. T ow nsend; R ay V este r  Branches in Town: Four  Other Branches: Des Arc, D eV alls Bluff, Hazen  First United Bank Stuttgart, AR V O IC E: (870) 67 3-3545 FAX: (8 7 0 )6 7 3 -1 9 7 7 P opulation: 10,420  412 South Main P. O. D raw er 908 72160-0908  C h arter N um ber: 764 Date: O cto be r 21, 1993 C ounty: A rka n sa s  T ru st D epartm ent: Yes B ank H olding C o m pa ny First United B ancshares, Inc., El Dorado, AR  CEO/Pres: R obert M. Koch EVP: W ayla n W ig g in s  SVP/Cash: Robin L. Harris TO: Pam C olbert  Cash and Due from:....................................... 6,791 Federal Funds and Repos:....................................0 Investments:...............................................111,856 Total Loans:.............................................. 127,070 Premises and Fixed Assets:........................... 3.075 Other Real Estate .............................................. 82 Other Assets:................................................. 4,892 Total Assets:.............................................. 253.766 Total Trust Assets:......................................... 2,051  Deposits:................................................ 213,968 Federal Funds and Borrowings:...............14,813 Other Liabilities:..........................................1,519 Subordinated Debt:........................................... 0 Total Liabilities:...................................... 230,300 Total Equity Capital and Reserves:......... 23,466 Total Liabilities and Capital:...................253,766 Number of Shares Outstanding:.............110,000  Directors: Jack B. C oker; W a n d a H. N o rth cutt Hartz; T om m y H illm an; Jerry J. H oskyn; H arold Ives; Steven M. Keith; Ja m e s V. Kelley; R obert M. Koch; Ben M yers; R obert P etter, Sr.; R andall S nider; D ew ey Snow den; John E. S tephens; Ralph W ilso n  Branches in Town: Two   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other  Branches: Brinkley, Hazen, Humnoke, Humphrey  Carlisle,  103  Eighty-Fifth Report  Bank of Trumann Trumann, AR Charter Number: 354 Date: October 2, 1911 County: Poinsett  326 Hwy 463 P. O. Box 48 72472-0048  VOICE: (870) 483-6333 FAX: (870)483-7512 Population: 6,304  Trust Department: No Bank Holding Company None Chm: Wilburn J. Cole CEO/Pres: Rick J. Gillette  VP: Carroll D. Anderson VP: Rick McKenzie  Cash and Due fro m :..........................................1,297 Federal Funds and Repos....................................... 0 Investments:.....................................................36,148 Total Loans:.....................................................39,396 Premises and Fixed A ssets.................................346 Other Real Estate:.................................................. 38 Other A ssets:.....................................................1,288 Total A ssets:....................................................78.513 Total Trust A ssets:................................................... 0  Deposits:......................................................65,830 Federal Funds and Borrowings....................1,400 Other Liabilities:................................................ 956 Subordinated Debt:............................................... 0 Total Liabilities:............................................68,186 Total Equity Capital and Reserves............10,327 Total Liabilities and Capital:.......................78,513 Number of Shares Outstanding:...............60,000  Directors: Carroll D. Anderson; Alice Clogston; Wilburn J. Cole; Rick Gillette; Noyl Houston; Eugene Pounds; Clyde Robertson, Jr.; Natalie Stuckey Branches in Town: None  Other Branches: None  Bank of Tuckerman Tuckerman, AR 106 East Main P. O. Box 1000 72473-1000  VOICE: (870) 349-5155 FAX: (870)349-5170 Population: 2,020  Charter Number: 164 Date: November 8, 1902 County: Jackson  Trust Department: No Bank Holding Company Rainbow Investment Company, Inc., Tuckerman, AR Chm/CEO/Pres: Lindley V. Smith, Jr. EVP: Al M. Morris, Jr.  VP: Drew Sandlin Cash: Lisa Riley  Cash and Due fro m :..........................................3,590 Federal Funds and Repos:.............................. 4,185 Investments:..................................................... 12.780 Total Loans:.....................................................30,757 Premises and Fixed Assets:............................... 229 Other Real Estate:................................................ 200 Other A ssets:........................................................ 713 Total A ssets:....................................................52,454 Total Trust A ssets:................................................... 0  Deposits:......................................................46,127 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 254 Subordinated Debt:............................................... 0 Total Liabilities:............................................46,381 Total Equity Capital and Reserves:.............6,073 Total Liabilities and Capital:.......................52,454 Number of Shares Outstanding:................. 4,000  Directors: Scotty Armstrong; Bob Penix; Lindley V. Smith, Jr. Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Swifton  Grubbs,  Newport,  104  Arkansas State Bank Department  First Delta Bank Tyronza, AR VOICE: (870)487-2161 FAX: (870) 487-2069 Population: 858  Main and Oak Streets P. O. Box 395 72386-0395  Charter Number: 704 Date: October 31, 1951 County: Poinsett  Home Page: www.firstdeltabank.com Trust Department: No Bank Holding Company Tyronza Bancshares, Inc., Tyronza, AR CEO/Pres: Steve A. Wilcoxon VP: Becky Williams  VP: Gary Williams VP/Cash: Angela Lewis  Cash and Due from :.......................................... 1,929 Federal Funds and Repos:........................ 91 Investments:...................................................... 8,843 Total Loans:..................................................... 31,598 Premises and Fixed Assets:............................. 1,135 Other Real Estate:..................................................42 Other Assets:........................................................ 723 Total Assets:.................................................... 44,361 Total Trust Assets:....................................................0  Deposits:...................................................... 38,680 Federal Funds and Borrowings:......................... 0 Other Liabilities:................................................333 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 39,013 Total Equity Capital and Reserves:............ 5,348 Total Liabilities and Capital:...................... 44,361 Number of Shares Outstanding:..................2,000  Directors: A. A. Banks; George E. Beley; Charles F. Luter; H. F. Norcross, Jr.; Eugene Vaughn; Steve A. Wilcoxon; Lewis M. Wood Branches in Town: None  Other Branches: Marked Tree, Trumann  Citizens Bank & Trust Company Van Buren, AR VOICE: (501)474-1201 FAX: (501)410-1340 Population: 14,979  3110Alm aHwy. P .O .B o x 469 72956-0469  Charter Number: 328 Date: December 20, 1910 County: Crawford  Home Page: www.cbankantrust.com/general.html Trust Department: Yes Member of Federal Reserve System Bank Holding Company Vista Bancorporation, Van Buren, AR Chm/CEO: James G. Williamson, Jr. Pres: William W. Thomas  EVP/Cash/TO: Marion H. Riggs SVP: Luther F. Gordy, III  Cash and Due from:.......................................... 3,848 Federal Funds and Repos:...............................4,450 Investments:.................................................... 56,270 Total Loans:..................................................119,282 Premises and Fixed Assets:.............................5,166 Other Real E state:................................................112 Other Assets:..................................................... 5,197 Total Assets:................................................. 194,325 Total Trust Assets:............................................ 6,527  Deposits:.....................................................170,715 Federal Funds and Borrowings:......................... 0 Other Liabilities:.............................................1,612 Subordinated Debt:.............................................. 0 Total Liabilities:........................................ 172,327 Total Equity Capital and Reserves:..........21,998 Total Liabilities and C apital.................... 194,325 Number of Shares Outstanding:................16,000  Directors: Jimmy G. Bell; Mont S. Echols, Jr.; Jimmy D. Gooch; Morril H. Harriman; Marion H. Riggs; Paul D. Shirley; Samuel M. Sicard; William W. Thomas; James G. Williamson, Jr.  Branches in Town: Three   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Alma, Mountainburg  105  Eighty-Fifth Report  Bank of Waldron W aldron, AR VOICE: (501) 637-2161 FAX: (501) 637-4874 Population: 3,024  110 West 4th Street P. O. Box 2260 72958-2260  Charter Number: 72 Date: April 3, 1901 County: Scott  Trust Department: Yes Bank Holding Company First National Security Company, DeQueen, AR Chm: John H. Hendrix CEO/Pres: Greg Bourns  VChm: Larry Mashburn VP/TO: Debra Fuller  Cash and Due fro m :......................................... 2,058 Federal Funds and Repos:...............................3,235 Investments:.....................................................26,277 Total Loans:.....................................................38,861 Premises and Fixed A ssets.................................856 Other Real Estate:.................................................. 27 Other A ssets...................................................... 1,138 Total A ssets:....................................................72,452 Total Trust A ssets:............................................... 168  Deposits:......................................................61,493 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 340 Subordinated Debt:...............................................0 Total Liabilities:............................................61,833 Total Equity Capital and Reserves:...........10,619 Total Liabilities and Capital:.......................72,452 Number of Shares Outstanding:...............24,000  Directors: Kelly Ashford; Bill Black; Greg Bourns; Jim Currier; John H. Hendrix; Larry Mashburn; Terry Plummer Branches in Town: One  Other Branches: None  The Scott County Bank W aldron, AR VOICE: (501) 637-3191 FAX: (501) 637-3195 Population: 3,024  570 Main Street P. O. Box 838 72958-0838  Charter Number: 741 Date: February 20, 1980 County: Scott  Trust Department: No Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm: John Ed Chambers, III Pres: Kelley Hunt  SVP: Trisha Sikes VP/Cash: Janie Graves  Cash and Due fro m :......................................... 6,771 Federal Funds and Repos:...............................1,670 Investments:..................................................... 14,646 Total Loans:.....................................................53,514 Premises and Fixed A ssets:............................ 2,278 Other Real Estate:.................................................. 47 Other A ssets:........................................................ 901 Total A ssets:....................................................79,827 Total Trust A ssets:................................................... 0  Deposits:......................................................70,774 Federal Funds and Borrowings:..........................0 Other Liabilities:................................................ 198 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 70,972 Total Equity Capital and Reserves:.............8,855 Total Liabilities and Capital:.......................79,827 Number of Shares O utstanding:...............40,000  Directors: John Ed Chambers, III; Roy Hale; Robert Handley; Steve Hattabaugh; Kelley Hunt; Dan Laird; Daryen Wiles  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Mansfield, Mena  Arkansas State Bank Department  106  The Arkansas Bank W alnut Ridge, AR VOICE: (870) 886-7711 FAX: (870)886-2941 Population: 4,388  Charter Number: 71 Date: March 23, 1901 County: Lawrence  212 West Walnut P. O. Box 749 72476-0749 Trust Department: No  Bank Holding Company Regions Financial Corporation, Birmingham, AL Chm: Stephen A. Cox CEO: G. L. Lieblong  Pres: Robert P. Dixon VP/Cash: Marilyn Davis  Cash and Due from:.......................................... 2,529 Federal Funds and Repos:............................... 5,550 Investments:.................................................... 10,036 Total Loans:..................................................... 44,171 Premises and Fixed Assets:................................ 891 Other Real E state:................................................118 Other Assets:........................................................ 931 Total Assets:.................................................... 64,226 Total Trust Assets:....................................................0  Deposits:...................................................... 57,036 Federal Funds and Borrowings:......................... 0 Other Liabilities:............................................... 600 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 57,636 Total Equity Capital and Reserves:............ 6,590 Total Liabilities and C apital:...................... 64,226 Number of Shares Outstanding:................18,000  Directors: Mary Virginia Rainwater Cox; Stephen A. Cox; Bob Dixon; William B. Durham; G. L. Lieblong; Gary Little; Sloan Rainwater; William I. Rainwater; William I. Rainwater, Jr.; Ben Starr; Maurice Starr Other Branches: Imboden, Lynn, Portia, Smithville  Branches in Town: None  First State Bank of Warren Warren, AR VOICE: (870)226-2601 FAX: (870) 226-2253 Population: 6,455  Main Street P. O. Box 29 71671-0029  Charter Number: 739 Date: December 12, 1978 County: Bradley  Trust Department: Yes Bank Holding Company Bradley Bancshares, Inc., Warren, AR Chm: Virginia M. Ryburn CEO/Pres: Freddie M. Mobley  VChm: Bennie F. Ryburn, Jr. TO: Annette Temple  Cash and Due from :.......................................... 4,968 Federal Funds and Repos:.......................................0 Investments:.................................................... 34,784 Total Loans:..................................................... 51,143 Premises and Fixed Assets:............................. 1,817 Other Real E state:................................................112 Other Assets:..................................................... 1,410 Total Assets:.................................................... 94,234 Total Trust Assets:............................................ 3,621  Deposits:...................................................... 84,090 Federal Funds and Borrowings:..................... 703 Other Liabilities:................................................532 Subordinated Debt:.............................................. 0 Total Liabilities:........................................... 85,325 Total Equity Capital and Reserves:............ 8,909 Total Liabilities and C apital:...................... 94,234 Number of Shares Outstanding:................59,000  Directors: Robert E. Garner; Robert George; Robert Green, Jr.; Freddie M. Mobley; Hugh A. Quimby; Bennie Ryburn, III; Bennie F. Ryburn, Jr.: Virginia M. Ryburn; J. C. Thompson; Dr. Joe H. Wharton  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Hampton, Hermitage  107  Eighty-Fifth Report  Warren Bank and Trust Company Warren, AR VOICE: (870)226-2621 FAX: (870) 226-6261 Population: 6,455  201 South Main P. 0. Box 350 71671-0350  Charter Number. 80 Date: December 28, 1901 County: Bradley  Trust Department: Yes Bank Holding Company None Chm: John B. Frazer CEO/Pres/TO: Carlton E. Davis  SVP: Tim Spraggins SVP/Cash: James E. Smith  Cash and Due fro m .......................................... 5,252 Federal Funds and Repos............................... 2,225 Investments:.....................................................49,891 Total Loans:.....................................................56.302 Premises and Fixed A ssets:.............................1,221 Other Real Estate:...................................................13 Other A ssets:.....................................................1,456 Total A ssets:................................................. 116,360 Total Trust A ssets:..........................................17,966  Deposits ......................................................97,576 Federal Funds and Borrowings:...................1,026 Other Liabilities:................................................ 660 Subordinated Debt:............................................... 0 Total Liabilities:............................................ 99,262 Total Equity Capital and Reserves:...........17,098 Total Liabilities and Capital:.....................116,360 Number of Shares O utstanding:...............48,000  Directors: Bruce Anderson; Gerald Burton; Carlton E. Davis; L. H. Derby, Jr.; John B. Frazer; W. Sykes Harris; Calvin Heird; C. A. Milton; Dr. Kerry F. Pennington; Gerard Sangster; Dr. G. F. Wynne Branches in Town: Two  Other Branches: Hermitage  Cross County Bank Wynne, AR VOICE: (870) 238-8171 FAX: (870) 238-4052 Population: 8,187  1 Cross County Plaza P. O. Box 9 72396-0009  Charter Number: 25 Date: June 5, 1891 County: Cross  Home Page: www.crosscountybank.com Trust Department: Yes Bank Holding Company Cross County Bancshares, Inc., Wynne, AR Chm: Dr. Willard G. Burks CEO/Pres/TO: Ken McClanahan  VChm: Albert A. Hess EVP: Mac McClanahan  Cash and Due fro m :..........................................4,569 Federal Funds and Repos:.............................. 6,075 Investments:.....................................................38,717 Total Loans:...................................................113,322 Premises and Fixed Assets:............................ 3,172 Other Real Estate:...................................................19 Other A ssets:.....................................................2,914 Total A ssets:..................................................168,788 Total Trust A ssets:............................................2,552  Deposits ....................................................152.001 Federal Funds and Borrowings:..................... 693 Other Liabilities:................................................ 683 Subordinated Debt:............................................... 0 Total Liabilities:.......................................... 153,377 Total Equity Capital and Reserves:...........15,411 Total Liabilities and Capital:.....................168,788 Number of Shares O utstanding:................. 4,000  Directors: Dr. Willard G. Burks; Guy E. Fisher; Marvin T. Hagaman; Albert A. Hess; Pete L. Imboden, III; R. Vance Lawson; Roger E. Pohlner; Donald L. Reddmann; R. Joe Rennicke; James A. Richardson  Branches in Town: One   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Ridge, Weiner  Cherry Valley, Hickory  108  Arkansas State Bank Department  The Bank of Yellville Yellville, AR VOICE: (870)449-4231 FAX: (870) 449-4866 Population: 1,181  105 North Panther Avenue P. O. Box 325 72687-0325  Charter Number: 691 Date: December 13, 1945 County: Marion  Home Page: www.bankofyellville.com Trust Department: Yes Member of Federal Reserve System Bank Holding Company Mountain Bancshares, Inc., Yellville, AR Chm/CEO/Pres: Judy R. Loving EVP/Cash: Chloe Richardson  SVP: Jerry D. Cunningham  Cash and Due from:.......................................... 5,609 Federal Funds and Repos:............................... 2,815 Investments:.................................................... 18,061 Total Loans:..................................................... 98,762 Premises and Fixed Assets:.............................3,346 Other Real E state:............................................... 356 Other Assets:..................................................... 2,184 Total Assets:.................................................. 131,133 Total Trust Assets:....................................................0  Deposits:.................................................... 115,093 Federal Funds and Borrowings:..................4,537 Other Liabilities:................................................595 Subordinated Debt:.............................................. 0 Total Liabilities:........................................ 120,225 Total Equity Capital and Reserves:.......... 10,908 Total Liabilities and Capital:.................... 131,133 Number of Shares Outstanding:............... 20,781  Directors: Frank Bailey; Roger Bates; Fred A. Berry; Jerry D. Cunningham; Dan R. Duren; H. C. Hall; Judy R. Loving; Chloe Richardson; Kenneth Smith; Susan Wendel Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: Bull Shoals, Flippin, Lead Hill, Mountain Home  Eighty-Fifth Report  REPORT OF  STATE CHARTERED NON-PROFIT ORGANIZATION  (NOT ENGAGED IN COMMERCIAL BANKING)   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  JUNE 30, 1999  110  Arkansas State Bank Department  Arkansas Capital Corporation Little Rock VOICE: (501)374-9247 FAX: (501)374-9425 Population: 175,795  225 South Pulaski Street 72201-1925  Charter Number: 1006 Date: August 6, 1958 County: Pulaski  Trust Department: No Bank Holding Company None Chm: Bert M. Mullens Pres: David H. Shindler Cash and Due from:.......................................... 7,381 Federal Funds and Repos:...................................... 0 Investments:..................................................... 1,901 Total Loans:....................................................26,230 Premises and Fixed Assets:................................ 888 Other Real Estate .................................................0 Other Assets:.......................................................415 Total Assets:...................................................36,815 Total Trust Assets:...................................................0  EVP/Treas/Sec: C. Sam Walls VP: Karla Larson Deposits: Federal Funds and Borrowings: Other Liabilities: Subordinated Debt: Total Liabilities:  0 29,226 342 0 29,568  Total Equity Capital and Reserves: Total Liabilities and Capital: Number of Shares Outstanding:  7,247 36,815 1,095  Directors: Carl E, Baggett; George E. Campbell, Joseph B. Ford; Gary E. Garton; Donald H. Henry; Bert M. Mullens; Don Pattillo; H. Glenn Rambin; D. Patton Rudder; David H. Shindler; William T. Staed; Sherry H. Stringer Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  Eighty-Fifth Report  REPORT OF  STATE CHARTERED TRUST COMPANIES  (NOT ENGAGED IN COMMERCIAL BANKING)   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  JUNE 30, 1999  112  Arkansas State Bank Department  Community First Trust Company Hot Springs, AR 101 Archwood Street P. O. Box 20066 71903  VOICE: (501)624-4028 FAX: (501)624-0338 Population: 32,462 Pres: Charles R. Dudley, II  Charter Number: 35001 Date: June 17, 1998 County: Garland  EVP: William L. Kerst  Directors: Gerald A. Burgener; Charles R. Dudley, II; James A. Gill; D. Kyle McDonald  Branches in Town: None  Other Branches: Hot Springs Village, Rogers  P.L.D. Trust Company (Private) Little Rock, AR VOICE: (501) 372-5659 FAX: (501) 374-8657 Population: 175,795 P re s: L. Pauline W h ita ke r  212 Center Street,Suite 700 72201  Charter Number: 35002 Date: October 15, 1998 County: Pulaski  A tty : M ark W . N ichols  Directors: Donald W. Whitaker; L. Pauline Whitaker, Larry C. Whitaker  Branches in Town: None   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Other Branches: None  Eighty-Fifth Report  REPORT OF  REGIONAL/COUNTY INDUSTRIAL DEVELOPMENT CORPORATIONS  (NOT ENGAGED IN COMMERCIAL BANKING)   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  JUNE 30, 1999  114  Arkansas State Bank Department  Northwest Arkansas Regional Industrial Development Corporation Fort Smith, AR Charter Number: 30006 VOICE: (501) 782-5959 FAX: (501) 782-9669 Pres: Eddie Melson EVP: Nathan Combs  Greenpointe Center, Ste 31 P. O. Box 3325 72913-3325 EVP: Luther A. Reed CFO: T. David Potts  Garland County Industrial Development Corporation for Equity Investments Hot Springs, AR Charter Number: 30002 VOICE: (501) 321-1700 FAX: (501) 321-3551 Chm: Darrell Meyer  659 Ouachita P. O. Box 6090 71902-6090 Sec: Jim Randall  Pulaski County Industrial Development Corporation Jacksonville, AR Charter Number: 30004 VOICE: (501) 985-9944 FAX: (501) 985-6590 Chm: Jim Johnson CEO/Pres: Ronald F. Davis  2227-3 West Main Street 72076  Treas: George M. Giacometti, Jr. Sec: Ed Staton  Central Arkansas Regional Industrial Development Company, LLC Little Rock, AR Charter Number: 30007 VOICE: (501)224-6511 FAX: (501) 225-7332 Pres: Robert B. Francis   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  8122 Cantrell Road 72227  Eighty-Fifth Report  115  Perry County Industrial Development Corporation Perryville, AR P. O. Box 869 72126-0869  Charter Number: 30003 VOICE: (501) 889-2842 FAX: (501)889-5718 Pres: Doug Brandon  VP: Donald Crain  North Delta Regional Industrial Development Corporation Trumann, AR Charter Number: 30005 VOICE: (870)483-2092 FAX: (870)483-7330 Chm: Kelley Webb Pres: Mickey Cissell   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  200 West Main, Suite 110 P. O. Box 413 72472 VP/Sec: Sharleen Self   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  LIST OF  COMMERCIAL BANKS  BY COUNTY AND MAP OF  ARKANSAS COUNTIES  JUNE 30, 1999  118  Arkansas State Bank Department  C O U N TY  BANK  Arkansas  DeWitt Bank And Trust Company The First National Bank of DeWitt Planters & Merchants Bank The Farmers and Merchants Bank First United Bank  Ashley  First National Bank of Crossett First State Bank Farmers Bank Southeast Arkansas Bank The Peoples Bank Portland Bank  Baxter  First National Bank & Trust Company Peoples Bank And Trust Company TrustBanc  Benton  Arkansas National Bank Bank of Bentonville Decatur State Bank Bank of Gravett Northwest National Bank Bank of Rogers First National Bank and Trust Company First Western Bank and Trust Company Simmons First Bank of Northwest Arkansas Arkansas State Bank First Arvest Bank  Boone  Community First Bank  Bradley  First State Bank of Warren Warren Bank and Trust Company  Calhoun  Calhoun County Bank  Carroll  The First National Bank of Berryville Bank of Eureka Springs The First National Bank in Green Forest  C hicot  The Eudora Bank The Bank of Lake Village Simmons First Bank of South Arkansas   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  C ITY DeWitt DeWitt Gillett Stuttgart Stuttgart Crossett Crossett Hamburg Parkdale Portland Portland Mountain Home Mountain Home Mountain Home Bentonville Bentonville Decatur Gravette Gravette Rogers Rogers Rogers Rogers Siloam Springs Siloam Springs Harrison Warren Warren Hampton Berryville Eureka Springs Green Forest Eudora Lake Village Lake Village  Eighty-Fifth Report  119  C ITY  C O U N TY  BANK  Clark  Bank of Amity Elk Horn Bank and Trust Company First State Bank of Gurdon  Clay  Corning Bank Piggott State Bank  Cleburne  The Cleburne County Bank Greers Ferry Lake State Bank Heber Springs State Bank  Cleveland  Pine State Bank The Bank of Rison  Columbia  Farmers Bank and Trust Company First National Bank of Magnolia Horizon Bank of Columbia County The Peoples Bank  Magnolia Magnolia Magnolia Magnolia  Conway  Petit Jean State Bank  Morrilton  Craighead  The Arkansas Bank Heritage Bank MidSouth Bank Simmons First Bank of Jonesboro  Jonesboro Jonesboro Jonesboro Jonesboro  Crawford  Commercial Bank at Alma Bank of Mulberry Citizens Bank & Trust Company  Alma Mulberry Van Buren  Crittenden  First Community Bank of Eastern Arkansas Fidelity National Bank of West Memphis  Cross  First State Bank Cross County Bank The First National Bank of Wynne  Dallas  Fordyce Bank & Trust Company Merchants & Planters Bank  Fordyce Sparkman  Desha  Merchants & Farmers Bank Simmons First Bank of Dumas The First National Bank of McGehee McGehee Bank  Dumas Dumas McGehee McGehee   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Amity Arkadelphia Gurdon Corning Piggott Heber Springs Heber Springs Heber Springs Kingsland Rison  Marion West Memphis Parkin Wynne Wynne  120  Arkansas State Bank Department  C O U N TY  BANK  Drew  Commercial Bank & Trust Company Union Bank And Trust Company  Faulkner  First Community Bank First State Bank First Service Bank  Fulton  Bank of Salem  Garland  Alliance Bank of Hot Springs First National Bank  Greene  Bank of Paragould First National Bank Peoples Bank  Hempstead  Bank of Blevins The Citizens National Bank of Hope The First National Bank of Hope  Hot Spring  The Malvern National Bank Southern State Bank  Howard  First National Bank of Howard County Citizens National Bank of Nashville  Dierks Nashville  Independence  The Arkansas Bank, N. A. The Citizens Bank First Community Bank  Batesville Batesville Batesville  Izard  The First National Bank of Izard County The Bank of North Arkansas  Jackson  Merchants & Planters Bank Bank of Tuckerman  Jefferson  First National Bank of Altheimer Pine Bluff National Bank Simmons First National Bank  C ITY Monticello Monticello Conway Conway Greenbrier Salem Hot Springs Hot Springs Paragould Paragould Paragould Blevins Hope Hope Malvern Malvern  Calico Rock Melbourne Newport Tuckerman Altheimer Pine Bluff Pine Bluff  y  Johnson  Farmers Bank and Trust Company  Lafayette  The Bank of Bradley The First National Bank of Lewisville Bodcaw Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Clarksville Bradley Lewisville Stamps  Eighty-Fifth Report  121  COUNTY  BANK  Lawrence  Peoples Bank The Arkansas Bank The First National Bank of Lawrence County  Lee  First National Bank at Marianna  Lincoln  Bank of Star City  Little River  The First National Bank  Logan  Citizens Bank The First National Bank at Paris Logan County Bank  Lonoke  Community Bank Bank of England First State Bank  Madison  The First National Bank of Huntsville First State Bank Madison Bank and Trust  Marion  The Bank of Yellville  M ississippi  Farmers Bank And Trust Company The First National Bank in Blytheville The Merchants and Planters Bank American State Bank The Planters Bank  Blytheville Blytheville Manila Osceola Osceola  Monroe  Bank of Brinkley The Merchants and Planters Bank  Brinkley Clarendon  Montgom ery  First Bank of Montgomery County  Mount Ida  Nevada  Bank of Prescott  Ouachita  Bank of Bearden First Bank of South Arkansas Merchants and Planters Bank, N.A. The Stephens Security Bank  Bearden Camden Camden Stephens  Perry  The Perry County Bank  Perryville   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CITY Imboden Walnut Ridge Walnut Ridge Marianna Star City Ashdown Booneville Paris Scranton Cabot England Lonoke Huntsville Huntsville Kingston Yellville  Prescott  122  Arkansas State Bank Department  CITY  COUNTY  BANK  Phillips  The Delta State Bank First National Bank of Phillips County Helena National Bank  Pike  Bank of Delight The Bank of Glenwood Diamond State Bank  Delight Glenwood Murfreesboro  Poinsett  The Bank of Harrisburg Little River Bank Marked Tree Bank Bank of Trumann First Delta Bank  Harrisburg Lepanto Marked Tree Trumann Tyronza  Polk  First National Bank in Mena The Union Bank of Mena  Pope  First Arkansas Valley Bank River Valley Bank Simmons First Bank of Russellville  Pulaski  First Arkansas Bank & Trust Arkansas Bankers' Bank Bank of Little Rock Bank of the Ozarks The Capital Bank Central Bank & Trust Eagle Bank & Trust Company Metropolitan National Bank One Bank & Trust Pinnacle Bank Pulaski Bank And Trust Company Mercantile Bank of Arkansas, N.A. National Bank of Arkansas in North Little Rock  Randolph  Bank of Pocahontas First Community Bank  Saline  The Union Bank of Benton The Union Bank of Bryant  S cott  Bank of Waldron The Scott County Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Elaine Helena Helena  Mena Mena Russellville Russellville Russellville Jacksonville Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock Little Rock North Little Rock North Little Rock Pocahontas Pocahontas Benton Bryant Waldron Waldron  Eighty-Fifth Report  123  C O U N TY  BANK  Sebastian  The City National Bank of Fort Smith The First National Bank of Fort Smith Farmers Bank Bank of Mansfield  Fort Smith Fort Smith Greenwood Mansfield  Sevier  The First National Bank of DeQueen First State Bank of DeQueen Horatio State Bank Bank of Lockesburg  DeQueen DeQueen Horatio Lockesburg  Sharp  First National Bank of Sharp County Bank of Cave City Bank of Evening Shade  Ash Flat Cave City Evening Shade  St. Francis  First National Bank of Eastern Arkansas Forrest City Bank, N.A. The Planters National Bank of Hughes  Stone  Bank of Mountain View  Union  First Financial Bank The First National Bank of El Dorado Simmons First Bank of El Dorado, N. A. Smackover State Bank  W ashington  The Bank of Elkins Bank of Arkansas, N.A. The Bank of Fayetteville, N. A. Mcllroy Bank & Trust The Farmers & Merchants Bank The First National Bank of Springdale Springdale Bank and Trust  White  Citizens State Bank First Security Bank Simmons First Bank of Searcy  W oodruff  The Bank of Augusta Bank of McCrory  Yell  Danville State Bank Bank of Dardanelle First State Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  C IT Y  Forrest City Forrest City Hughes Mountain View El Dorado El Dorado El Dorado Smackover Elkins Fayetteville Fayetteville Fayetteville Prairie Grove Springdale Springdale Bald Knob Searcy Searcy Augusta McCrory Danville Dardanelle Plainview  124  Arkansas State Bank Department  MAP OF  ARKANSAS COUNTIES   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  ARKANSAS  BANK HOLDING COMPANIES  WHICH OWN  STATE CHARTERED BANKS   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  IN ARKANSAS  JUNE 30, 1999  126  Arkansas State Bank Department  Southern Development Bancorporation, Inc. Arkadelphia, AR RSSD Number: 1248939 VOICE: (870) 246-3945 FAX: (870) 246-2182  605 Main, Suite 202 71923-6037 CEO/Pres: W. H. Brandon, Jr.  Chm: Walter Smiley Subsidiaries: Elk Horn Bank and Trust Company Southern Development Mortgage, Inc. The Delta State Bank Phillips Insurance Services, Inc. First National Bank of Phillips County First Investment Advisory Services, Inc. Opportunity Lands Corporation  Arkadelphia, Arkadelphia, Elaine, Elaine, Helena, Helena, Arkadelphia,  AR AR AR AR AR AR AR  Citizens State Bankshares of Bald Knob, Inc. Bald Knob, AR 306 South Elm Street P. O. Box 200 72010-0200  RSSD Number: 1096822 VOICE: (501) 724-3241 FAX: (501) 724-5985 Chm/CEO: Juanita Litzelfelner Pres/COO/Treas: Larry Kircher  EVP/Sec: Molly Kircher  Subsidiaries: Citizens State Bank Citizens State Investments, Inc.  Bald Knob, AR Bald Knob, AR  Citizens Bancshares of Batesville, Inc. Batesville, AR RSSD Number: 1131077 VOICE: (870) 793-4441 FAX: (870) 698-6299 CEO/Pres: Woody Castleberry Subsidiaries: The Citizens Bank Citizens Investments, Inc.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Third and College Streets P. O. Box 2156 72503-2156 Sec: David J. Hidy  Batesville, AR Batesville, AR  Eighty-Fifth Report  127  First Community Bancshares, Inc. Batesville, AR RSSD Number: 2641694 VOICE: (870) 612-3400 FAX: (870) 612-3412  710 St. Louis Street P. O. Box 4327 72501-4327  Chm/CEO/Pres: Dale E. Cole EVP: Boris A. Dover  SVP: Troy Henley Sec: Frank Tripp  Subsidiaries: First Community Bank  Batesville, AR  Union Bancshares of Benton, Inc. Benton, AR RSSD Number: 1133530 VOICE: (501) 315-0411 FAX: (501) 315-5433  207 West Conway Street P. O. Box 687 72018-0687  Chm/CEO/Pres: Greg B. Brown Subsidiaries: The Union Bank of Benton UFS, Inc. The Union Bank of Bryant  Benton, AR Mabelvale, AR Bryant, AR  Arvest Bank Group, Inc. Bentonville, AR RSSD Number: 1095674 VOICE: (501) 273-5743 FAX: (501) 273-7477 Chm/CEO/Pres: Jim C. Walton VP: Bob Kelly Subsidiaries: Siloam Springs Bancshares, Inc. First Arvest Bank Bank of Bentonville Mcllroy Bank & Trust The Farmers & Merchants Bank First National Bank and Trust Company Arvest Bank Operations, Inc. Arvest Insurance, Inc. Arvest Asset Management, Inc. Arvest Mortgage Company, Inc. First Place on the Creeks, Inc. Springdale Bank and Trust Arvest Trust Company, Inc.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  125 West Central #218 72712 VP/Treas/Sec: RichardI D. Chapman  Bentonville, Siloam Springs, Bentonville, Fayetteville, Prairie Grove, Rogers, Lowell, Lowell, Rogers, Rogers, Rogers, Springdale, Bentonville,  AR AR AR AR AR AR AR AR AR AR AR AR AR  128  Arkansas State Bank Department  Farmers Bancorp, Inc. Blytheville, AR RSSD Number: 1247615 VOICE: (870) 763-8101 FAX: (870) 763-3500  400 West Main Street P. 0. Box 688 72316-0688  Pres: Alvin Huffmann, III VP: Paula 0. Blackwell  Treas/Sec: Steve Bell  Subsidiaries: Farmers Bank And Trust Company  Blytheville, AR  First Western Bancshares ESOT Booneville, AR RSSD Number: 2628994 VOICE: (501)675-0369 FAX: (501)675-0751  31 West Main P. O. Box 238 72927  Chm: Jeral L. Hampton Pres: John T. Hampton  EVP: Bill Mitchell  Subsidiaries: First Western Bancshares, Inc. Citizens Bank First Western Insurance Agency, Inc. First Western Mortgage First Western Properties First Western Bank and Trust Company  Booneville, Booneville, Booneville, Booneville, Booneville, Rogers,  AR AR AR AR AR AR  First Western Bancshares, Inc. Booneville, AR 31 West Main P. O. Box 87 72927-0087  RSSD Number: 1100091 VOICE: (501) 675-4600 FAX: (501) 675-4690 Bank Holding Company First Western Bancshares ESOT, Booneville, AR Chm/CEO: Jeral L. Hampton Pres: John T. Hampton Subsidiaries: Citizens Bank First Western Insurance Agency, Inc. First Western Mortgage First Western Properties First Western Bank and Trust Company   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  EVP/CFO: Bill Mitchell  Booneville, Booneville, Booneville, Booneville, Rogers,  AR AR AR AR AR  Eighty-Fifth Report  129  The Bradley Corporation Bradley, AR RSSD Number: 1096877 VOICE: (870) 894-3322 FAX: (870) 894-3324  Main Street P. O. Box 120 71826-0120  Chm/CEO/Pres: Lane Pierce  Sec: Billie Pierce  Subsidiaries: The Bank of Bradley  Bradley, AR  Brinkley Bancshares, Inc. Brinkley, AR RSSD Number: 1097146 VOICE: (870) 734-3133 FAX: (870) 734-3001  130 South New Orleans P. O. Box 727 72021-0727  Chm/CEO: A. H. Rusher  Pres: Gus Rusher  Subsidiaries: Bank of Brinkley Fred Rusher Agency, Inc.  Brinkley, AR Brinkley, AR  Cabot Bankshares, Inc. Cabot, AR RSSD Number: 1097799 VOICE: (501) 843-3575 FAX: (501) 843-0463 Chm: William G. Thompson CEO/Pres: Joseph Wilkes Park Subsidiaries: Community Bank Community Home Lenders of Ark. Community Financial Services, Inc.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  One City Plaza P. O. Box 1028 72023-1028 VP: Stephen P. Tipton  Cabot, AR Cabot, AR Ward, AR  130  Arkansas State Bank Department  Harrell Bancshares, Inc. Camden, AR RSSD Number: 2352196 VOICE: (870) 837-8300 FAX: (870) 837-8310  1325 Hwy. #4 Bypass P. O. Box 10 71701  Chm/CEO: Searcy W. Harrell, Jr. Pres: Jonathan W. Harrell  Sec: Phillip J. Foster  Subsidiaries: First Bank of South Arkansas Calhoun County Bank  Camden, AR Hampton, AR  Sharp Bancshares, Inc. Cave City, AR 133 South Main Street P. O. Box 490 72521-0490  RSSD Number: 1099663 VOICE: (870) 283-5301 FAX: (870) 283-6466 Chm: Eugene Street VChm: Samuel F. Beller  Pres: Margie Pettersen Treas/Sec: Dennis Esteb  Subsidiaries: Bank of Cave City Cave City Properties, Inc. Bank of Evening Shade "As Old As Dirt"  Cave City, Cave City, Evening Shade, Evening Shade,  AR AR AR AR  Clarendon Holding Co. Clarendon, AR RSSD Number: 1099252 VOICE: (870) 747-3319 FAX: (870) 747-3498 Chm: James B. Sharp Subsidiaries: The Merchants and Planters Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  297 Madison P. O. Box 280 72029-0280 CEO/Pres: J. Perry Lee  Clarendon, AR  Eighty-Fifth Report  131  Home BancShares, Inc. Conway, AR 945 Salem Road P. O. Box 966 72032  RSSD Number: 1491409 VOICE: (501) 328-4663 FAX: (501) 328-4637 Chm: John W. Allison  VChm: Robert H. Adcock  Subsidiaries: First State Bank  Conway, AR  Evergreen Bancshares, Inc. Crossett, AR 310 Main Street P. O. Box 638 71635-0638  RSSD Number: 1134797 VOICE: (870) 364-5131 FAX: (870) 364-6329 CEO/Pres: Richard E. Griffin Subsidiaries: First State Bank  Crossett, AR  Chambers Bancshares, Inc. Danville, AR 9th and Atlanta P. O. Box 1330 72833-1330  RSSD Number: 1141487 VOICE: (501) 495-4680 FAX: (501) 495-4681 Chm/CEO/Pres: John Ed Chambers, III SVP: Robert Y. Taylor Subsidiaries: Community Investment, Inc. The Bank of Elkins Bank of Amity Danville State Bank First Arkansas Valley Bank The Scott County Bank River Valley Appraisal Community Bank, F.S.B.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  CFO: Mike Donnell  Elkins, Elkins, Amity, Danville, Russellville, Waldron, Danville, Fayetteville,  AR AR AR AR AR AR AR AR  132  Arkansas State Bank Department  Bank of Dardanelle Bankshares, Inc. Dardanelle, AR RSSD Number: 1134546 VOICE: (501)229-3311 FAX: (501) 229-4180  102 North Front Street P. O. Box 577 72834-0577  CEO/Pres: Ronald L. Taylor Subsidiaries: Bank of Dardanelle  Dardanelle, AR  Decatur Bancshares, Inc. Decatur, AR RSSD Number: 1845619 VOICE: (501) 752-3281 FAX: (501) 752-8154  Hwy. 59 North P. 0. Box 38 72722-0038  Chm: Lloyd E. Peterson  CEO/Pres: Vernon L. Austin  Subsidiaries: Decatur State Bank Decatur Insurance Agency  Decatur, AR Decatur, AR  First National Security Company DeQueen, AR RSSD Number: 1426755 VOICE: (870) 642-2212 FAX: (870) 642-7959 Chm : John H. Hendrix Subsidiaries: First National Bancshares of Hempstead Bank of Blevins The First National Bank of Hope The First National Bank of Lewisville The First National Bank The First National Bank of DeQueen First National Bank of Howard County Citizens National Bank of Nashville Bank of Waldron   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Third & Gilson P. O. Box 980 71832-0980 CEO/Pres: Larry Mashburn  , Inc.  Hope, Blevins, Hope, Lewisville, Ashdown, DeQueen, Dierks, Nashville, Waldron,  AR AR AR AR AR AR AR AR AR  Eighty-Fifth Report  133  First State Bancshares, Inc DeQueen, AR RSSD Number: 2032724 VOICE: (870) 642-4423 FAX: (870) 642-2847  310 North Third P. 0 . Box 970 71832-0970  Chm: Art Melson  CEO/Pres: Keith Melson  Subsidiaries: First State Bank of DeQueen  DeQueen, AR  First Service Bancshares, Inc. Dermott, AR RSSD Number: 1137266 VOICE: (870) 538-3221 FAX: (870) 538-3246  114 East Peddicord P. O. Box 800 71638-0815  CEO/Pres: Tom H. Grumbles  Treas/Sec: Daniel C. Horton  Subsidiaries: First Service Bank  Greenbrier, AR  DBT Financial Corporation DeWitt, AR RSSD Number: 1139176 VOICE: (870) 946-3531 FAX: (870) 946-2815 Chm: Elmer A. Ferguson VChm: Julian Brown Subsidiaries: DeWitt Bank And Trust Company DBT Realty Company, Inc.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Second and Jefferson Streets P. O. Drawer 71 72042-0071 Pres: Nancy F. Rasco Sec: Gary Hudson  DeWitt, AR DeWitt, AR  Arkansas State Bank Department  134  DeWitt First Bankshares Corporation DeWitt, AR RSSD Number: 1099243 VOICE: (870) 946-3551 FAX: (870) 946-1562  220 West Cross P. O. Box 511 72042-0511  Chm: Georgea B. McKinley  CEO/Pres: Warren A. Jennings, Sr.  Subsidiaries: The First National Bank of DeWitt Bank of Lockesburg  DeWitt, AR Lockesburg, AR  M & F Financial Corporation Dumas, AR RSSD Number: 1099506 VOICE: (870) 382-4311 FAX: (870) 382-5901 Chm: L. Ashton Adcock CEO/Pres: J. Michael Jones  130 West Waterman P. O. Box 187 71639-0187 VP: David J. Garrett Treas/Sec: Betty B. Trites  Subsidiaries: Merchants & Farmers Bank  Dumas, AR  First Financial Banc Corporation El Dorado, AR RSSD Number: 2568102 VOICE: (870) 863-7000 FAX. (870) 881-5393  214 North Washington Street P. O. Box 1754 71730-1754  CEO: J. Stephen Cameron Subsidiaries: First Financial Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  El Dorado, AR  135  Eighty-Fifth Report  First United Bancshares, Inc. El Dorado, AR Main @ Washington P. O. Box 751 71731-0751  RSSD Number: 1096439 VOICE: (870) 863-3181 FAX: (870) 863-0015 Chm/CEO/Pres: James V. Kelley SVP/CFO/Sec: John G. Copeland  VP: Jim Barnes VP: Richard E. Ulmer  Subsidiaries: Commercial Bank at Alma Merchants and Planters Bank, N.A. The First National Bank of El Dorado The City National Bank of Fort Smith The Citizens National Bank of Flope First National Bank of Magnolia The Bank of North Arkansas First United Bank First United Trust Company, N.A.  Alma, Camden, El Dorado, Fort Smith, Flope, Magnolia, Melbourne, Stuttgart, El Dorado,  AR AR AR AR AR AR AR AR AR  Community Investment, Inc. Elkins, AR 348 North Center P. O. Box 333 72727-0333  RSSD Number: 1099524 VOICE: (501) 643-2131 FAX: (501) 643-2651 Bank Holding Company Chambers Bancshares, Inc., Danville, AR Chm/CEO: Joel L. Bunch  Pres: Joyce R. Bunch  Subsidiaries: The Bank of Elkins  Elkins, AR  MHBC Investments Limited Partnership, I England, AR RSSD Number: 2795083 VOICE: (501) 842-2555 FAX: (501) 842-2422  123 South Main Street P. O. Box 70 72046  Chm/CEO/Pres: Gary Canada Subsidiaries. Bank of England   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  England, AR  136  Arkansas State Bank Department  Delta Bancshares,. Inc. Eudora, AR RSSD Number: 1097379 VOICE: (870) 355-8311 FAX: (870) 355-8509  111 North Main P. O. Box 250 71640-0250  Chm/Pres: W. K. Grubbs EVP: Roger Hensley  VP: W. R. Selman Treas/Sec: Robert D. Avery  Subsidiaries: The Eudora Bank  Eudora, AR  FBT Bancshares, Inc. Fordyce, AR RSSD Number: 1099092 VOICE: (870) 352-3107 FAX: (870) 352-5202  200 West 4th Street 71742-2202  Chm/CEO/Pres: James V. Hulse, Jr. EVP/Sec: Suzette Crutchfield  SVP/Treas: Wanda Smurl  Subsidiaries: Fordyce Bank & Trust Company  Fordyce, AR  First Bank Corp. Fort Smith, AR RSSD Number: 1491360 VOICE: (501) 782-2041 FAX: (501) 788-4602 CEO/Pres: Samuel M. Sicard EVP: Mont S. Echols, Jr. Subsidiaries: Vista Bancorporation Citizens Bank & Trust Company PMF, Inc. The First National Bank of Fort Smith Realty Appraisals, Inc.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  602 Garrison Avenue P. O. Box 7 72902-0007 Sec: Elizabeth A. Echols  Van Buren, Van Buren, Van Buren, Fort Smith, Fort Smith,  AR AR AR AR AR  Eighty-Fifth Report  137  Planters & Merchants Bancshares, Inc Gillett, AR RSSD Number: 1491511 VOICE: (870) 548-2211 FAX: (870) 548-2213  210 West Main P. 0 . Box 357 72055-0357  Chm: Keneth Smith  CEO/Pres: Larry E. Bauer  Subsidiaries: Planters & Merchants Bank P & M Real Estate, Inc.  Gillett, AR Gillett, AR  Bainum Bancorp Glenwood, AR Broadway & Pulliam P. O. Box 0 71943-0813  RSSD Number: 1399792 VOICE: (870) 356-2121 FAX: (870) 356-2211 Chm/CEO/Pres: Irvin C. Bainum VP: Evea J. Bainum  VP: Harold A. Smith Treas/Sec: Lynda Robbins  Subsidiaries. The Bank of Glenwood  Glenwood, AR  Wilkinson Banking Corporation Greenwood, AR RSSD Number: 1417511 VOICE: (501) 996-4171 FAX: (501) 996-6700 Chm: Elizabeth Wilkinson Subsidiaries: Farmers Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  125 West Center Street P. O. Box 610 72936-0610 CEO/Pres: Edward Wilkinson  Greenwood, AR  Arkansas State Bank Department  138  Community First Bancshares, Inc. Harrison, AR 200 East Ridge P. 0. Box 1700 72602-1700  RSSD Number: 2754585 VOICE: (870) 391-8000 FAX: (870) 391-8025 Pres: William King Gladden Subsidiaries. Community First Bank  Harrison, AR  First National Bancshares of Hempstead County, Inc. Hope, AR RSSD Number: 1100224 VOICE: (870) 777-2363 FAX: (870) 777-5597  Second and Walnut Streets P. O. Box 520 71802-0520  Bank Holding Company First National Security Company, DeQueen, AR Chm/CEO/Pres: Thomas E. Hays, Jr.  VP: Charles E. Sharpe, Jr.  Subsidiaries: Bank of Blevins The First National Bank of Hope The First National Bank of Lewisville  Blevins, AR Hope, AR Lewisville, AR  Pioneer Bancshares, Inc. of Horatio, Arkansas Horatio, AR RSSD Number: 1139091 VOICE: (870) 832-2501 FAX: (870) 832-2577 Chm/CEO/Pres: Edith H. Smith VP: C. E. Hendrix, Jr. Subsidiaries. Horatio State Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  123 Main Street P. O. Box 347 71842-0347 Treas/Sec: Wilburn Smith  Horatio, AR  Eighty-Fifth Report  139  Alliance Bancorporation, Inc. Hot Springs, AR RSSD Number: 2640400 VOICE: (501) 318-1001 FAX: (501) 318-1015  100 Werner Drive P. O. Box 22000 71903  Chm/Pres: David L. Bartlett VChm: Ronnie Twyford  VP: Joyce Richardson Sec: Cindy Baswell  Subsidiaries: Alliance Bank of Hot Springs  Hot Springs, AR  Smith Associated Banking Corporation Hot Springs, AR RSSD Number: 1098004 VOICE: (501)623-4292 FAX: (501) 623-4688  1801 Central Avenue, Suite B 71901  Chm/CEO/Pres: Richard T. Smith Subsidiaries: Bank of Salem SABCO Insurance Agency The Stephens Security Bank Security Mortgage Services Ouachita County Properties, Inc. Stephens Security Insurance Agency  Salem, Salem, Stephens, Hot Springs, Stephens, Stephens,  AR AR AR AR AR AR  BTS Bancshares, Inc. Huntsville, AR RSSD Number: 1951172 VOICE: (501) 738-2147 FAX: (501) 738-1255 Chm: Sam Mathias CEO/Pres: Tom Mathias Subsidiaries: First State Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Hwy. 412 West P. O. Box 667 72740-0667 VP/Sec: Bessie Mathias  Huntsville, AR  140  Arkansas State Bank Department  Spring Rivers Bancshares, Inc. Imboden, AR RSSD Number: 1250428 VOICE: (870) 869-2291 FAX: (870) 869-2179  Hwy. 63 P. O. Box 850 72434-0850  Chm/CEO/Pres: Charles F. Luter  Sec: Preston L. Clark  Subsidiaries: Peoples Bank Peoples Bank  Imboden, AR Paragould, AR  First Arkansas BancShares, Inc. Jacksonville, AR RSSD Number: 1096550 VOICE: (501) 982-4511 FAX: (501) 982-5769  600 West Main Street P. O. Box 827 72078-0827  Chm/CEO: Kenneth Pat Wilson Pres: Larry T. Wilson  VP/Sec: Ken Southern  Subsidiaries: First Arkansas Bank & Trust First Arkansas Mortgage Company  Jacksonville, AR Jacksonville, AR  ASB Corporation Jonesboro, AR RSSD Number: 2356886 VOICE: (870) 972-9800 FAX: (870) 930-9311 Chm/Pres: Frank Oldham EVP: David Dudley Subsidiaries: American State Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  700 South Main P. O. Box 3080 72403 EVP: Steve Gramling Treas/Sec: Judy Dacus  Osceola, AR  Eighty-Fifth Report  141  Heritage Capital Corporation Jonesboro, AR RSSD Number: 1143717 VOICE: (870) 802-2344 FAX: (870) 802-2333  2009 Browns Lane P. O. Box 3020 72403-3020  Chm/CEO: Larry Grisham Pres: Steve May  EVP: Louis Intres Treas/Sec: Diane Steiling  Subsidiaries: Heritage Bank  Jonesboro, AR  MSB Shares, Inc. Jonesboro, AR RSSD Number: 1951109 VOICE: (870) 931-0100 FAX: (870) 910-5698  2506 Southwest Circle P. O. Box 5040 72403-5040  Chm: Carolyn Frierson CEO/Pres: Terry Frierson  Sec: Shirley Bronaugh  Subsidiaries: MidSouth Bank  Jonesboro, AR  Pine State Bancshares, Inc. Kingsland, AR RSSD Number: 1963139 VOICE: (870) 348-5657 FAX: (870) 348-1002  1st Street P. O. Box 85 71652  Chm/CEO/Pres: M. Don Smith Subsidiaries: Pine State Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Kingsland, AR  142  Arkansas State Bank Department  Southeast Arkansas Bank Corporation Lake Village, AR 201 Main Street P. 0 . Box 727 71653-0727  RSSD Number: 1137033 VOICE: (870) 265-2241 FAX: (870) 265-2125 Chm: Charles H. Weissinger, Jr. CEO/Pres: Terence J. Alpe  VChm: Ned Mazzanti Atty: David F. Gillison, Jr.  Subsidiaries: The Bank of Lake Village BLV Realty, Inc.  Lake Village, AR Lake Village, AR  Little River Bancshares, Inc. Lepanto, AR 202 Greenwood Avenue P. O. Box 340 72454-0340  RSSD Number: 2463391 VOICE: (870) 475-2306 FAX: (870) 475-3070 Pres: Grady Watkins, Jr.  Sec: Flenry Watkins  Subsidiaries: Little River Bank  Lepanto, AR  Arkansas Bankers' Bancorporation, Inc Little Rock, AR RSSD Number: 1491650 VOICE: (501) 371-0535 FAX: (501) 376-8894 Chm: Lindley V. Smith, Jr. Subsidiaries: Arkansas Bankers' Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  1008 West Second Street 72201-2031 CEO/Pres: Bill B. May  Little Rock, AR  Eighty-Fifth Report  143  Bank of the Ozarks, Inc. Little Rock, AR RSSD Number: 1097089 VOICE: (501) 978-2265 FAX: (501) 978-2205  12615 Chenal Parkway P. O. Box 8811 72231-8811  Chm/CEO: George G. Gleason, If VChm: James Patridge  Pres: Mark D. Ross  Subsidiaries: Bank of the Ozarks  Little Rock, AR  Capital Bancshares, Inc. Little Rock, AR 12224 Chenal Parkway P. O. Box 8210 72211  RSSD Number: 2777016 VOICE: (501) 228-6000 FAX: (501) 228-6006 Chm: Boyd Rothwell Pres: Joseph B. Ford  VP: Bonnie Crocheron  Subsidiaries: The Capital Bank  Little Rock, AR  First Community Banking Corporation Little Rock, AR RSSD Number: 1100176 VOICE: (501) 376-2128 FAX: (501) 374-1968 Chm: G. R. Mosley CEO/Pres: Daniel C. Horton Subsidiaries: Caddo Holding Company, Inc. First National Bank First National Bank in Mena First Bank of Montgomery County   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  300 Spring Building, Suite 1010 72201-2449 Sec: Melvin L. Simpson  Glenwood, Hot Springs, Mena, Mount Ida,  AR AR AR AR  144  Arkansas State Bank Department  Lake Hamilton Enterprises, Inc. Little Rock, AR RSSD Number: 1094864 VOICE: (501) 562-3894 FAX: (501) 562-2611  7000 Asher Avenue P. O. Box 4261 72204-4261  Chm: R. W. Butler Pres: Paul D. Eaton  Treas/Sec: John M. Henry  Subsidiaries: The Bank of Harrisburg The Cleburne County Bank  Harrisburg, AR Heber Springs, AR  Little Rock Bankshares, Inc. Little Rock, AR RSSD Number: 2617082 VOICE: (501) 376-0800 FAX: (501) 374-7937  200 North State Street P. O. Box 34090 72203 VP/Cash: Lee A. Swearingen  Chm/CEO: Eugene L. Maris Pres: George G. Worthen Subsidiaries: Bank of Little Rock  Little Rock, AR  Madison Corporation Little Rock, AR RSSD Number: 1142466 VOICE: (501)680-0576 FAX: (501)663-7229 Chm/CEO/Pres: Roland Willshire Subsidiaries: Madison Bank and Trust   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  1813 North Spruce 72207  VP/Treas/Sec: Rose Willshire  Kingston, AR  145  Eighty-Fifth Report  OneFinancial Corporation Little Rock, AR RSSD Number: 2571269 VOICE: (501) 370-4400 FAX: (501) 370-4573  300 West Capitol Avenue P. O. Box 34113 72201  Chm/CEO/Pres: Layton Stuart EVP: Michael F. Heald  EVP: Gary A. Rickenbach  Subsidiaries: One Bank & Trust The Fentress Corporation  Little Rock, AR Little Rock, AR  P & W Bancshares, Inc. Little Rock, AR 1501 South Main Street P. O. Box 1583 72203-1583  RSSD Number: 1845673 VOICE: (501) 374-7777 FAX: (501) 374-2079 Chm: Robert M. Wilson, Sr. Pres: Bryan Pitts  Sec: Tonya Clements  Subsidiaries: Central Bank & Trust Central Mortgage Company  Little Rock, AR Little Rock, AR  Pinnacle Bancshares, Inc. Little Rock, AR 2610 Cantrell Road P. O. Box 8120 72202  RSSD Number: 2503597 VOICE: (501) 614-5000 FAX: (501)614-5005 CEO: Robert M. Althoff SVP/CFO: Thomas C. Evans Subsidiaries: Pinnacle Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  SVP: W. Dabbs Cavin  Little Rock, AR  146  Arkansas State Bank Department  Pulaski Investment Corporation Little Rock, AR RSSD Number: 1095423 VOICE: (501) 661-7700 FAX: (501) 661-7357  5800 R Street P. O. Box 7299 72217-7299  Chm: James C. East Pres: J. Hunter East  VP: Robert C. Magee  Subsidiaries: Pulaski Bank And Trust Company Northwest Title Services, Inc. Directors Properties, Inc. Lenders Title Company Pulaski Building, Inc. Pulaski Mortgage Company Pulaski Mortgage Services, Inc. Pulaski Services, Inc.  Little Rock, Fayetteville, Little Rock, Little Rock, Little Rock, Little Rock, Little Rock, Little Rock,  AR AR AR AR AR AR AR AR  Riverside Bancshares, Inc. Little Rock, AR RSSD Number: 2155342 VOICE: (501) 614-6161 FAX: (501) 614-6162  2222 Cottondale Lane, Suite 240 P. O. Box 7663 72202 Sec: David Matchet  Pres: Stephen C. Davis Subsidiaries: Merchants & Planters Bank Riverside Mortgage Co.  Sparkman, AR Little Rock, AR  State Holding Company Little Rock, AR RSSD Number: 1100046 VOICE: (501) 223-2000 FAX: (501) 223-0373 Chm: Harry L. Hastings, Jr. CEO/Pres: Catherine H. Owen Subsidiaries: Heber Springs State Bank Eagle Development Company North Eagle Bank & Trust Company Eagle Development Company South State Mortgage Company   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  650 South Shackleford, Suite 150 P. O. Box 22120 72221-2120 Sec: Randall K. Herlocker  Heber Springs, Heber Springs, Little Rock, Little Rock, Little Rock,  AR AR AR AR AR  Eighty-Fifth Report  147  Lonoke Bancshares, Inc. Lonoke, AR RSSD Number: 1491614 VOICE: (501) 676-3106 FAX: (501) 676-5046 Chm: Neil Bennett, Sr. CEO/Pres: David R. Estes  101 South Center Street P. O. Box 320 72086-0320 Sec: Karen K. Hardke  Subsidiaries: First State Bank of Gurdon First State Bank First State Land Co., Inc.  Gurdon, AR Lonoke, AR Lonoke, AR  Golden Oaks Bancshares, Inc. Magnolia, AR 500 North Jackson Street P. O. Box 340 71754-0340  RSSD Number: 1098684 VOICE: (870) 234-5777 FAX: (870) 234-3384 CEO: Harold H. Fincher Subsidiaries: The Peoples Bank  Magnolia, AR  Horizon Bancorp of South Arkansas, Inc. M a g n o lia , AR 305 North Jackson P. O. Box 647 71753  RSSD Number: 2618388 VOICE: (870) 234-7039 FAX: (870) 234-3794 Chm: Ross M. Whipple Pres: Marcus J. McCain  Sec: Kathie L. Bledsoe  Subsidiaries: Horizon Bank of Columbia County   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Magnolia, AR  148  Arkansas State Bank Department  Magnolia Banking Corporation Magnolia, AR 200 East Main Street P. O. Box 250 71753-0250  RSSD Number: 1135413 VOICE: (870) 235-7000 FAX: (870) 235-7010 Chm/CEO/Pres: Bob L. Burns VP/Treas/Sec: Bruce D. Maloch  VP/Sec: Steve Keith  Subsidiaries: Farmers Bank and Trust Company FB&T Insurance Agency of South Arkansas, Inc. Magnolia Properties, Inc.  Magnolia, AR Magnolia, AR Magnolia, AR  Southern State Bancshares, Inc. Malvern, AR RSSD Number: 2497396 VOICE: (501) 332-2462 FAX: (501) 332-8437  521 East Page P. O. Box 340 72104-0340  Chm: W. Henry McClure CEO/Pres: Donald A. Walsh  VP: Sue Stinnett  Subsidiaries: Southern State Bank  Malvern, AR  Mansfield Bankstock, Inc. Mansfield, AR RSSD Number: 1100073 VOICE: (501) 928-4418 FAX: (501) 928-5149 Chm: J. Michael Shaw Subsidiaries: Bank of Mansfield   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  101 South Sebascott P. O. Box 387 72944-0387 CEO/Pres: Joseph A . Terry  Mansfield, AR  Eighty-Fifth Report  149  Marked Tree Bancshares, Inc. Marked Tree, AR RSSD Number: 1135815 VOICE: (870) 358-2600 FAX: (870) 358-4210  210 Frisco Street P. O. Box 160 72365-0160  Chm: Frank Brunner, Jr.  Pres: E. Ritter Arnold  Subsidiaries: Marked Tree Bank  Marked Tree, AR  M. D. Thompson & Son Co. McCrory, AR RSSD Number: 1094967 VOICE: (870) 731-2526 FAX: (870) 731-2527 CEO/Pres: John G. Thompson VP: H. Ripley Thompson  105 South Edmonds Avenue P. O. Box 388 72101-0388 Sec: Vance M. Thompson, III  Subsidiaries: Bank of McCrory  McCrory, AR  Southeast Financial Bankstock Corporation McGehee, AR RSSD Number: 1096662 VOICE: (870) 222-3151 FAX: (870) 222-6159 Pres: William W. Bowman VP: James M. Smith Subsidiaries: McGehee Bank McGehee Realty Smith Abstract   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  301 North 2nd P. O. Box 787 71654-0787 Sec: John H. Potter, Jr.  McGehee, AR McGehee, AR McGehee, AR  150  Arkansas State Bank Department  Union Bankshares, Inc. Mena, AR RSSD Number: 1099805 VOICE: (501) 394-2211 FAX: (501) 394-3809  515 Janssen Avenue P .O .B o x 898 71953-0898  Chm: Edward W. Stevenson CEO/Pres: Danny Williams  Sec: David Maddox  Subsidiaries: The Union Bank of Mena  Mena, AR  Drew Bancshares, Inc. Monticeilo, AR RSSD Number: 1098198 VOICE: (870) 367-6221 FAX: (870) 367-7700 Chm/CEO: Virginia M. Ryburn  212 West Gaines P. O. Box 150 71657-0150 Pres/COO: George T. Harris  Subsidiaries: Commercial Bank & Trust Company  Monticeilo, AR  First Union Financial Corporation Monticeilo, AR RSSD Number: 1098880 VOICE: (870) 460-6400 FAX: (870) 460-6465 Chm/CEO: Zach McClendon, Jr. Subsidiaries: Union Bank And Trust Company   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  102 West McCloy P. O. Box 270 71657-0270 Pres: James P. Jett  Monticeilo, AR  Eighty-Fifth Report  151  BC Bancshares, Inc. Mountain Home, AR RSSD Number: 1404650 VOICE: (870) 425-2166 FAX: (870) 424-4353  9th and Baker Streets P. 0. Box 1906 72654-1906 Bank Holding Company First Security Bancorp, Searcy, AR  Pres: Reynie Rutledge Subsidiaries: Peoples Bank And Trust Company Peoples Real Estate Management, Inc.  Mountain Home, AR Mountain Home, AR  Mountain View Bancshares, Inc. Mountain View, AR 121 East Main Street P. O. Box 1228 72560-1228  RSSD Number: 2317999 VOICE: (870) 269-3815 FAX: (870) 269-2899 Chm: Glen Hinkle CEO/Pres: James G. Hinkle  Sec: Kenneth Sutton  Subsidiaries: Bank of Mountain View  Mountain View, AR  Acme Holding Company, Inc. Mulberry, AR RSSD Number: 1140556 VOICE: (501) 997-1154 FAX: (501) 997-1161  311 Main Street P. O. Drawer A 72947  Bank Holding Company The Bank of Mulberry Employee Stock Ownership Trust (ESOT), Mulberry, AR CEO/Pres: Lex Golden Subsidiaries: Bank of Mulberry FSB Mortgage Company, Inc.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Mulberry, AR Little Rock, AR  152  Arkansas State Bank Department  The Bank of Mulberry Employee Stock Ownership Trust (ESOT) Mulberry, AR RSSD Number: 2576424 VOICE: (501) 997-1154 FAX: (501) 997-1161  311 Main Street P. 0. Drawer A 72947  CEO/Pres: Lex Golden Subsidiaries: Acme Holding Company, Inc. Bank of Mulberry FSB Mortgage Company, Inc. General Mortgage Company  Mulberry, Mulberry, Little Rock, Mulberry,  AR AR AR AR  Bainum Bancorp II Murfreesboro, AR 101 North Washington P. O. Box 279 71958-0279  RSSD Number: 1491333 VOICE: (870) 285-2172 FAX: (870) 285-3335 Chm/CEO/Pres: Irvin C. Bainum VP: Evea J. Bainum  VP: Harold A. Smith Treas/Sec: Lynda Robbins  Subsidiaries: Diamond State Bank Diamond State Insurance Agency  Murfreesboro, AR Murfreesboro, AR  M & P Community Bancshares, Inc. Newport, AR RSSD Number: 1491306 VOICE: (870) 523-3601 FAX: (870) 523-3473  Second and Hazel Streets P. O. Box 550 72112-0550  Chm/CEO/Pres: Jim S. Gowen, Sr. Subsidiaries: Greers Ferry Lake State Bank Merchants & Planters Bank Three Rivers Realty, Inc.   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Heber Springs, AR Newport, AR Newport, AR  Eighty-Fifth Report  153  First Paragould Bankshares, Inc. Paragould, AR RSSD Number: 1119383 VOICE: (870) 239-8521 FAX: (870) 236-4837  Second and Court Streets P. O. Box 700 72451-0700  Chm/CEO: William E. Brewer  Pres/COO: Kelly G. Wright  Subsidiaries: Corning Bank First National Bank First Services of Northeast Arkansas, Inc.  Corning, AR Paragould, AR Paragould, AR  SEA Bancshares, Inc. Parkdale, AR RSSD Number: 2299264 VOICE: (870) 473-2217 FAX: (870) 473-2492  1853 Hwy. 165 South P. O. Box 37 71661-0037 VP: William B. deYampert Treas/Sec: John B. Currie, Sr.  Chm: Thomas R. Pugh Pres: George L. Pugh Subsidiaries: Southeast Arkansas Bank  Parkdale, AR  Parkin Bancorp, Inc. P a rk in , AR RSSD Number: 1142411 VOICE: (870) 755-5401 FAX: (870) 755-5648 Chm/CEO/Pres: William N. Griffin  77 Parkin Avenue P. O. Box 526 72373-0526 Sec: Frank G. Wallace  Subsidiaries: First State Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Parkin, AR  154  Arkansas State Bank Department  Perry County Bancshares, Inc. Perryville, AR RSSD Number: 1138674 VOICE: (501)889-2318 FAX: (501) 889-5727  821 North Hwy. 10 P. 0 . Box 189 72126-0189  CEO/Pres: Robert M. Hill  Sec: Herby Branscum, Jr.  Subsidiaries: The Perry County Bank  Perryville, AR  Piggott Bankstock, Inc. Piggott, AR RSSD Number: 1098321 VOICE: (870) 598-3802 FAX: (870) 598-2026  212 West Cherry Street P. O. Box 307 72454-0307  Chm/CEO/Pres: Paula O. Blackwell Subsidiaries: Piggott State Bank  Piggott, AR  Simmons First National Corporation Pine Bluff, AR RSSD Number: 1094828 VOICE: (870) 541-1000 FAX: (870) 541-1123  501 Main Street P. O. Box 7009 71611-7009  Chm/CEO/Pres: J. Thomas May Subsidiaries: Simmons First Bank of Dumas Simmons First Bank of Jonesboro Simmons First Bank of South Arkansas Simmons First National Bank Arkansas Fund, Inc. Simmons First Bank of Northwest Arkansas Simmons First Bank of Russellville Simmons First Bank of Searcy   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Dumas, Jonesboro, Lake Village, Pine Bluff, Pine Bluff, Rogers, Russellville, Searcy,  AR AR AR AR AR AR AR AR  Eighty-Fifth Report  155  Clement Bancshares, Inc. Plainview, AR RSSD Number: 1096448 VOICE: (501)272-4221 FAX: (501) 272-4154  200 Main Street P. O. Box 277 72857-0277  Chm/CEO/Pres: John Clement VChm: Charles Blanchard  VP: Ralph Wilson Treas/Sec: Gary Bollan  Subsidiaries: First State Bank Nimrod Real Estate, Inc.  Plainview, AR Plainview, AR  Pocahontas Bankstock, Inc. Pocahontas, AR 1 Bank Plaza P. O. Box 467 72455-0467  RSSD Number: 1834266 VOICE: (870) 892-5286 FAX: (870) 892-8381 Chm/CEO/Pres: John R. Jackson, Jr. Subsidiaries: Bank of Pocahontas  Pocahontas, AR  Walden Holding Company Pocahontas, AR RSSD Number: 1491502 VOICE: (870) 892-4121 FAX: (870) 933-8818 Chm/CEO: Frank E. Walden Subsidiaries: First Community Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  205 Rice Street P. O. Box 587 72455-0587 Pres: Mary Florence Walden  Pocahontas, AR  Arkansas State Bank Department  156  Mainline Bankshares of Portland, Inc. Portland, AR RSSD Number: 1132627 VOICE: (870) 737-2236 FAX: (870) 737-2816  Main Street P. 0. Box 178 71663-0178  Chm/CEO/Pres: Tipton Pugh Cash: Julia A. Sadler  Sec: Mary Dean Pugh  Subsidiaries: The Peoples Bank The Peoples Bank Insurance Agency  Portland, AR Portland, AR  Portland Bankshares, Inc. Portland, AR RSSD Number: 1141188 VOICE: (870) 737-2226 FAX: (870) 737-4263  Main Street P. O. Box 68 71663-0068  Chm: Robert D. Pugh  CEO/Pres: Jerry D. Sadler  Subsidiaries: Portland Bank  Portland, AR  First State Holding Company of Prescott Prescott, AR East Second at Main Drawer 490 71857-0490  RSSD Number: 1096475 VOICE: (870) 887-2688 FAX: (870) 887-6822 Bank Holding Company Prescott Bancshares, Inc., Prescott, AR Pres: John Warren Brannan, Jr. VP: James E. Franks Subsidiaries: Bank of Prescott   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Sec: Faith Beavert  Prescott, AR  Eighty-Fifth Report  157  Prescott Bancshares, Inc. Prescott, AR East Second at Main Drawer 490 71857-0490  RSSD Number: 2236586 VOICE: (870) 887-2688 FAX: (870) 887-6822  Treas/Sec: Faith Beavert  Pres: John Warren Brannan, Jr. EVP: James E. Franks Subsidiaries: First State Holding Company of Prescott Bank of Prescott  Prescott, AR Prescott, AR  BOR Bancshares, Inc. Rogers, AR 1205 West Walnut P. O. Box 699 72757  RSSD Number: 2626516 VOICE: (501) 621-6800 FAX: (501) 621-6801 Pres: Dick McLelland VP: Guy J. Cable  VP: Pamela Evans VP: Scott Franklin  Subsidiaries: Bank of Rogers  Rogers, AR  RVB Bancshares, Inc. R u s s e llv ille , AR RSSD Number: 2697084 VOICE: (501) 498-2265 FAX: (501) 498-2259 CEO/Pres: James Biggers Subsidiaries: River Valley Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  405 West Main Street P. O. Box 1420 72801 EVP/CFO: Judy Lawton  Russellville, AR  158  Arkansas State Bank Department  First Security Bancorp Searcy, AR RSSD Number: 1096505 VOICE: (501)279-3400 FAX: (501) 279-3486  314 North Spring P. O. Box 1009 72145-1009  Chm/CEO/Pres: Reynie Rutledge Subsidiaries: BC Bancshares, Inc. Peoples Bank And Trust Company Peoples Real Estate Management, Inc. Farmers Bank and Trust Company First Community Bank First Security Bank First Security Investment Advisors, Inc.  Mountain Home, Mountain Home, Mountain Home, Clarksville, Conway, Searcy, Searcy,  AR AR AR AR AR AR AR  Smackover Bancshares, Inc. Smackover, AR RSSD Number: 1098264 VOICE: (870) 725-3051 FAX: (870) 725-3049 Chm/CEO: Max O. Taylor Pres: Bob Willett  708 North Broadway P. O. Box 107 71762-0107 SVP: J. Drew Tennyson VP/TO: James B. Yeager  Subsidiaries: Smackover State Bank  Smackover, AR  Bodcaw Bancshares, Inc. Stamps, AR 401 Thomas Street P. O. Box 8 71860-0008  RSSD Number: 2712781 VOICE: (870) 533-4486 FAX: (870) 533-4456 Chm: James R. Nipper Subsidiaries: Bodcaw Bank   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Pres: J. Paul Nipper  Stamps, AR  Eighty-Fifth Report  159  Star City Bancshares, Inc. Star City, AR 116 North Lincoln P. 0. Drawer 69 71667-0069  RSSD Number: 1131723 VOICE: (870) 628-4286 FAX: (870) 628-5274 Chm/CEO/Pres: Bennie F. Ryburn, Jr. Subsidiaries: Bank of Star City  Star City, AR  The Farmers and Merchants Bankshares, Inc. Stuttgart, AR 708 South Main P. O. Drawer 947 72160-0947  RSSD Number: 1099672 VOICE: (870) 673-6911 FAX: (870) 673-6918 Chm: Roy O. McCollum, III  CEO/Pres: Don Pattillo  Subsidiaries: The Farmers and Merchants Bank  Stuttgart, AR  Rainbow Investment Company, Inc. Tuckerman, AR 106 East Main P. O. Box 1000 72473  RSSD Number: 1246430 VOICE: (870) 349-5155 FAX: (870) 349-5170 Chm/CEO/Pres: Lindley V. Smith, Jr. Subsidiaries: Bank of Tuckerman   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Sec: Jan Bryant  Tuckerman, AR  160  Arkansas State Bank Department  Tyronza Bancshares, Inc. Tyronza, AR RSSD Number: 1139783 VOICE: (870) 487-2161 FAX: (870) 487-2069  Main and Oak Streets P. 0. Box 395 72386-0395  Chm: George E. Beley  CEO/Pres: Steve A. Wilcoxon  Subsidiaries: First Delta Bank First Delta Bank Insurance Services, Inc.  Tyronza, AR Marked Tree, AR  Vista Bancorporation Van Buren, AR RSSD Number: 1398777 VOICE: (501)474-1201 FAX: (501) 410-1340  3110 Alma Highway P. O. Box 469 72957-0469 Bank Holding Company First Bank Corp., Fort Smith, AR  Chm/CEO: James G. Williamson, Jr. Treas: Marion H. Riggs  Sec: Luther F. Gordy, III  Subsidiaries: Citizens Bank & Trust Company PMF, Inc.  Van Buren, AR Van Buren, AR  Bradley Bancshares, Inc. Warren, AR RSSD Number: 1097463 VOICE: (870) 226-2601 FAX: (870) 226-2253 Chm: Virginia M. Ryburn CEO/Pres: Freddie M. Mobley Subsidiaries: First State Bank of Warren   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  104 South Main Street P. O. Box 29 71671-0029 VChm: Bennie F. Ryburn, Jr  Warren, AR  161  Eighty-Fifth Report  Cross County Bancshares, Inc. Wynne, AR 1 Cross County Plaza P. O. Box 9 72396-0009  RSSD Number: 1131611 VOICE: (870) 238-8171 FAX: (870) 238-4052 Chm: Dr. Willard G. Burks CEO/Pres: Ken McClanahan  Treas/Sec: Andrea Murray Pierron  Subsidiaries: Cross County Bank  Wynne, AR  Mountain Bancshares, Inc. Yellville, AR RSSD Number: 1098367 VOICE: (870) 449-4231 FAX: (870) 449-4866 Chm/CEO/Pres: Judy R. Loving VChm: Fred A. Berry Subsidiaries: The Bank of Yellville   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  105 North Panther Avenue P. O. Box 325 72687-0325 Sec: Dan R. Duren  Yellville, AR   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  OUT OF STATE  BANK HOLDING COMPANIES   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  AND  THEIR ARKANSAS  SUBSIDIARIES  JUNE 30, 1999  164  Arkansas State Bank Department  Regions Financial Corporation Birmingham, AL RSSD Number: 1078332 VOICE: (205) 326-7860 FAX: (205) 326-7751 VChm: Richard D. Horsley CEO/Pres: Carl E. Jones  417 20th Street North, Suite 1700 P. O. Box 10247 35202 EVP: Robert P. Houston EVP: Samuel Upchurch  Subsidiaries: The Arkansas Bank, N. A. The Arkansas Bank Business Support Ltd. The Planters Bank The Arkansas Bank  Batesville, Jonesboro, Jonesboro, Osceola, Walnut Ridge,  AR AR AR AR AR  Security State Bancshares, Inc. Charleston, MO RSSD Number: 1248573 VOICE: (573) 683-3712 FAX: (573) 683-6235 CEO/Pres: Don Burnett Subsidiaries: Bank of Paragould   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  101 South Main P. O. Box 99 63834 Sec: William Clayton Vandivort  Paragould, AR   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  ABBREVIATIONS  Chm: CEO: VChm: Pres: EVP: SVP: CFO. COO: VP: Cash: AVP. TO: Treas: Sec: Atty:  Chairman of the Board Chief Executive Officer Vice Chairman President Executive Vice President Senior Vice President Chief Financial Officer Chief Operating Officer Vice President Cashier Assistant Vice President Trust Officer Treasurer Secretary Attorney  165  166   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Arkansas State Bank Department  NOTES   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  NOTES  167  168   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Arkansas State Bank Department  NOTES   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  NOTES  169  170   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Arkansas State Bank Department  NOTES   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  NOTES  171  172   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Arkansas State Bank Department  NOTES   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  NOTES  173  174   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Arkansas State Bank Department  NOTES   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  NOTES  175  176   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Arkansas State Bank Department  NOTES   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  NOTES  177  178   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Arkansas State Bank Department  NOTES   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  NOTES  179  180   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Arkansas State Bank Department  NOTES   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  NOTES  181  182   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Arkansas State Bank Department  NOTES   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Eighty-Fifth Report  NOTES  183  184   http://fraser.stlouisfed.org/ Federal Reserve Bank of St. Louis  Arkansas State Bank Department  NOTES