Barnett Banks, Inc. & Subsidiaries - Page 4




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          subsidiary of NationsBank Corp.  On September 30, 1998, Bank                
          America Corp. merged into NationsBank Corp., and, as the                    
          surviving entity, NationsBank Corp. changed its name to Bank                
          America Corp.  In April 1999, Bank America Corp. changed its name           
          to Bank of America Corp.  Bank of America Corp. & Subsidiaries is           
          the successor in interest to Barnett Banks, Inc. & Subsidiaries.            
               United First Federal Savings and Loan Association (United              
          First Federal) was a Federal stock savings and loan association,            
          organized under the Home Owners' Loan Act (HOLA), ch. 64, 48                
          Stat. 128 (1933), and its principal place of business was in                
          Sarasota, Florida.  Home Federal Bank of Florida, F.S.B. (Home              
          Federal), was a Federal stock savings bank, organized under the             
          HOLA, and its principal place of business was in St. Petersburg,            
          Florida.                                                                    
               On December 22, 1986, Barnett Bank of Southwest Florida                
          became the successor to United First Federal by conversion of               
          corporate charters under the laws of the State of Florida and               
          became a subsidiary of Barnett.  Barnett Bank of Southwest                  
          Florida had its principal place of business in Jacksonville,                
          Florida.                                                                    
               On July 26, 1987, Barnett Bank of Pinellas County became the           
          successor to Home Federal by conversion of corporate charters               
          under the laws of the State of Florida and became a subsidiary of           
          Barnett.  Barnett Bank of Pinellas County had its principal place           






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