Bank Structure Changes for January, 2000

CHANGES IN BANK STRUCTURE

Month ending January 31, 2000

BRANCH ESTABLISHED

M&I Bank Fox Valley, Appleton, Wisconsin, established a loan production office at 650 N. Westhill Boulevard, Appleton, Wisconsin, effective January 3, 2000

ACQUISITION BY BANK HOLDING COMPANY

First Manitowoc Bancorp, Inc., Manitowoc, Wisconsin, acquired Dairy State Financial Services, Inc., Plymouth, Wisconsin, effective January 1, 2000

CHARTER CANCELLATION

Dairy State Bank, Plymouth, Wisconsin, as a result of the merger with and into First National Bank in Manitowoc, Manitowoc, Wisconsin, effective January 1, 2000

MERGER

F & M Bank-Northeast, Pulaski, Wisconsin, with F & M Bank-East Troy, East Troy, Wisconsin; F & M Bank-Elkhorn, Elkhorn, Wisconsin; F & M Bank-Grant County, Fennimore, Wisconsin; F & M Bank-Landmark, Hudson, Wisconsin; F & M Bank-Jefferson, Jefferson, Wisconsin; F & M Bank-Kiel, Kiel, Wisconsin; F & M Bank-Winnebago County, Omro, Wisconsin; F & M Bank-Prairie du Chien, Prairie du Chien, Wisconsin; F & M Bank-Central, Stevens Point, Wisconsin; F & M Bank-Superior, Superior, Wisconsin; and F & M Bank Lakeland, Woodruff, Wisconsin, under the charter of F & M Bank-Northeast, with the charters of the non-surviving banks being cancelled, effective January 3, 2000.

MERGER

F & M Bank-Kaukauna, Kaukauna, Wisconsin, with F & M Bank-Algoma, Algoma, Wisconsin; F & M Bank-Appleton, Appleton, Wisconsin; F & M Bank-Brodhead, Brodhead, Wisconsin; F & M Bank-Darlington, Darlington, Wisconsin; F & M Bank-Hilbert, Hilbert, Wisconsin; F & M Bank-New London, New London, Wisconsin; and F & M Bank-Waushara County, Wautoma, Wisconsin, under the charter of F & M Bank-Kaukauna, with the charters of the non-surviving banks being cancelled, effective January 3, 2000

MERGER

F & M Bank-Northeast, Pulaski, Wisconsin with F & M Bank-Kaukauna, Kaukauna, Wisconsin, under the charter of F & M Bank-Northeast, with the charter of the non-surviviing bank being cancelled, effective January 3, 2000.

CHANGE IN NAME

F & M Bank-Northeast, Pulaski, Wisconsin, to F & M Bank-Wisconsin, effective January 3, 20000

CHANGE IN NAME

First Bank of Tomah, Tomah, Wisconsin, to First Bank, effective January 1, 2000

BRANCH ESTABLISHED

State Financial Bank, Hales Corners, Wisconsin, at the North East Corner of Highway 164 and Coral Drive, Waukesha, Wisconsin, effective January 5, 2000

MOVE THE MAIN OFFICE

F & M Bank-Wisconsin, Pulaski, Wisconsin, from 160 East Pulaski Street, Pulaski, Wisconsin, to Fourth Street Plaza, Kaukauna, Wisconsin, effective January 26, 2000

BRANCH ESTABLISHED

F & M Bank-Wisconsin, Kaukauna, Wisconsin, at 160 East Pulaski Street, Pulaski, Wisconsin, effective January 26, 2000.