EXHIBIT B

Proceedings Brought by the Comptroller Pursuant to the
Cease and Desist Provisions of the Financial Institutions
Supervisory Act of 1966

12 United States Code $1818 (b)

1971-1975

1977

1.

2.

3.

1972

4.

5.

6.

7.

An Agreement to eliminate self-dealing and self-serving
transactions by directors, officers or shareholders of
more than 2% of the outstanding shares of the bank.
Limitations on the trade area and management contracts
to be made by the bank.

An Agreement to eliminate unreasonable employment contracts
of insiders and eliminate insider dealings. The bank
also was to improve the credit quality of its loan
portfolio and take steps to eliminate general criticized
problems, unsafe and unsound practices and violations
of law.

An Agreement to eliminate extensions of credit to unqualified borrowers, self-dealing by insiders and selfserving management contracts. Also provisions to improve the credit quality of the loan portfolio and to take steps to eliminate general criticized problems, unsafe and unsound practices and violations of law.

A Notice of Charges and Permanent Order to Cease and
Desist to eliminate extensions of credit to insiders and
self-dealing transactions. Provisions to eliminate
overdrafts and increase the documentation for loans.
Elimination of further extensions of credit on
classified loans and the elimination of an unsafe and
unsound correspondent account relationship. Also
elimination of violations of 12 United States Code $84,
$375a and various unsafe and unsound practices.

An Agreement to eliminate loans in violation of 12
United States Code $84 and the indemnification of the
bank for losses.

An Agreement with several banks rectifying problems in employee benefit trusts and eliminating self-serving employment and management contracts which were entered into on behalf of the bank for a controlling owner of the banks. Elimination of a number of unsafe practices. An Agreement to eliminate loans made in excess of the lending limit and to update the loan portfolio with credit information and strengthening in the collection efforts of the bank. Termination of employment of the bank's president because of self-dealing and illegal practices.