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    <label xlink:type="resource" xlink:label="_usfr-fst_ReturnOnEquityAssetsReturnOnEquity_link" xlink:title="usfr-fst_ReturnOnEquityAssetsReturnOnEquity" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Return on Equity and Assets - Return on Equity</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_ReturnOnEquityAssetsReturnOnAssets" xlink:label="usfr-fst_ReturnOnEquityAssetsReturnOnAssets" xlink:title="usfr-fst_ReturnOnEquityAssetsReturnOnAssets" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_ReturnOnEquityAssetsReturnOnAssets_link" xlink:title="usfr-fst_ReturnOnEquityAssetsReturnOnAssets" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Return on Equity and Assets - Return on Assets</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_ReturnOnEquityAssetsOtherOperationsRatios" xlink:label="usfr-fst_ReturnOnEquityAssetsOtherOperationsRatios" xlink:title="usfr-fst_ReturnOnEquityAssetsOtherOperationsRatios" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_ReturnOnEquityAssetsEquityAssetsRatio" xlink:label="usfr-fst_ReturnOnEquityAssetsEquityAssetsRatio" xlink:title="usfr-fst_ReturnOnEquityAssetsEquityAssetsRatio" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_ReturnOnEquityAssetsEquityAssetsRatio_link" xlink:title="usfr-fst_ReturnOnEquityAssetsEquityAssetsRatio" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Return on Equity and Assets - Equity to Assets Ratio</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_ReturnOnEquityAssetsDividendPayoutRatio" xlink:label="usfr-fst_ReturnOnEquityAssetsDividendPayoutRatio" xlink:title="usfr-fst_ReturnOnEquityAssetsDividendPayoutRatio" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_ReturnOnEquityAssetsDividendPayoutRatio_link" xlink:title="usfr-fst_ReturnOnEquityAssetsDividendPayoutRatio" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Return on Equity and Assets - Dividend Payout Ratio</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_ReturnOnEquityAssets" xlink:label="usfr-fst_ReturnOnEquityAssets" xlink:title="usfr-fst_ReturnOnEquityAssets" />
    <label xlink:type="resource" xlink:label="_usfr-fst_ReturnOnEquityAssets_link" xlink:title="usfr-fst_ReturnOnEquityAssets" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Return on Equity and Assets</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_ReturnOnEquityAssets_link" xlink:title="usfr-fst_ReturnOnEquityAssets" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Return on Equity and Assets</label>
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_RestructuredLoans" xlink:label="usfr-fst_RestructuredLoans" xlink:title="usfr-fst_RestructuredLoans" />
    <label xlink:type="resource" xlink:label="_usfr-fst_RestructuredLoans_link" xlink:title="usfr-fst_RestructuredLoans" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Restructured Loans</label>
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_RelatedPartyLoansBalances" xlink:label="usfr-fst_RelatedPartyLoansBalances" xlink:title="usfr-fst_RelatedPartyLoansBalances" />
    <label xlink:type="resource" xlink:label="_usfr-fst_RelatedPartyLoansBalances_link" xlink:title="usfr-fst_RelatedPartyLoansBalances" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Related Party Loans Balances</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_RelatedPartyLoansBalances_link" xlink:title="usfr-fst_RelatedPartyLoansBalances" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Related Party Loans - Balances</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_RelatedPartyLoans" xlink:label="usfr-fst_RelatedPartyLoans" xlink:title="usfr-fst_RelatedPartyLoans" />
    <label xlink:type="resource" xlink:label="_usfr-fst_RelatedPartyLoans_link" xlink:title="usfr-fst_RelatedPartyLoans" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Related Party Loans</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_RelatedPartyLoans_link" xlink:title="usfr-fst_RelatedPartyLoans" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Related Party Loans</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_RelatedInterestIncome" xlink:label="usfr-fst_RelatedInterestIncome" xlink:title="usfr-fst_RelatedInterestIncome" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_RegulatoryLimitationsAffectingEconomicResources" xlink:label="usfr-fst_RegulatoryLimitationsAffectingEconomicResources" xlink:title="usfr-fst_RegulatoryLimitationsAffectingEconomicResources" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_RegulatoryLimitationsAffectingEconomicResources_link" xlink:title="usfr-fst_RegulatoryLimitationsAffectingEconomicResources" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Regulatory Limitations Affecting Economic Resources</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_RegulatoryDisclosuresRegulatoryCapitalRequirements" xlink:label="usfr-fst_RegulatoryDisclosuresRegulatoryCapitalRequirements" xlink:title="usfr-fst_RegulatoryDisclosuresRegulatoryCapitalRequirements" />
    <label xlink:type="resource" xlink:label="_usfr-fst_RegulatoryDisclosuresRegulatoryCapitalRequirements_link" xlink:title="usfr-fst_RegulatoryDisclosuresRegulatoryCapitalRequirements" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Regulatory Capital Requirements</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_RegulatoryDisclosuresRegulatoryCapitalRequirements_link" xlink:title="usfr-fst_RegulatoryDisclosuresRegulatoryCapitalRequirements" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Regulatory Disclosures - Regulatory Capital Requirements</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_RegulatoryDisclosuresRegulatoryCapitalRatioSummary" xlink:label="usfr-fst_RegulatoryDisclosuresRegulatoryCapitalRatioSummary" xlink:title="usfr-fst_RegulatoryDisclosuresRegulatoryCapitalRatioSummary" />
    <label xlink:type="resource" xlink:label="_usfr-fst_RegulatoryDisclosuresRegulatoryCapitalRatioSummary_link" xlink:title="usfr-fst_RegulatoryDisclosuresRegulatoryCapitalRatioSummary" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Regulatory Capital Ratio Summary</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_RegulatoryDisclosuresRegulatoryCapitalRatioSummary_link" xlink:title="usfr-fst_RegulatoryDisclosuresRegulatoryCapitalRatioSummary" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Regulatory Disclosures - Regulatory Capital Ratio Summary</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_RegulatoryDisclosuresMaterialEffectsNoncompliance" xlink:label="usfr-fst_RegulatoryDisclosuresMaterialEffectsNoncompliance" xlink:title="usfr-fst_RegulatoryDisclosuresMaterialEffectsNoncompliance" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_RegulatoryDisclosuresMaterialEffectsNoncompliance_link" xlink:title="usfr-fst_RegulatoryDisclosuresMaterialEffectsNoncompliance" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Regulatory Disclosures - Material Effects of Noncompliance</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_RegulatoryDisclosuresComplianceInstitution" xlink:label="usfr-fst_RegulatoryDisclosuresComplianceInstitution" xlink:title="usfr-fst_RegulatoryDisclosuresComplianceInstitution" />
    <label xlink:type="resource" xlink:label="_usfr-fst_RegulatoryDisclosuresComplianceInstitution_link" xlink:title="usfr-fst_RegulatoryDisclosuresComplianceInstitution" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Compliance of Institution</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_RegulatoryDisclosuresComplianceInstitution_link" xlink:title="usfr-fst_RegulatoryDisclosuresComplianceInstitution" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Regulatory Disclosures - Compliance of Institution</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_RegulatoryDisclosures" xlink:label="usfr-fst_RegulatoryDisclosures" xlink:title="usfr-fst_RegulatoryDisclosures" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_RegulatoryDisclosures_link" xlink:title="usfr-fst_RegulatoryDisclosures" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Regulatory Disclosures</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_RecoveriesLoansPreviouslyChargedOff" xlink:label="usfr-fst_RecoveriesLoansPreviouslyChargedOff" xlink:title="usfr-fst_RecoveriesLoansPreviouslyChargedOff" />
    <label xlink:type="resource" xlink:label="_usfr-fst_RecoveriesLoansPreviouslyChargedOff_link" xlink:title="usfr-fst_RecoveriesLoansPreviouslyChargedOff" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Recoveries of Loans Previously Charged Off</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_RecoveriesLoansPreviouslyChargedOff_link" xlink:title="usfr-fst_RecoveriesLoansPreviouslyChargedOff" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Recoveries ofLoans Previously Charged Off</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_RecoveriesCopy" xlink:label="usfr-fst_RecoveriesCopy" xlink:title="usfr-fst_RecoveriesCopy" />
    <label xlink:type="resource" xlink:label="_usfr-fst_RecoveriesCopy_link" xlink:title="usfr-fst_RecoveriesCopy" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Recoveries</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_RecoveriesCopy_link" xlink:title="usfr-fst_RecoveriesCopy" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Recoveries</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_ReclassificationsSecuritiesTradingCategory" xlink:label="usfr-fst_ReclassificationsSecuritiesTradingCategory" xlink:title="usfr-fst_ReclassificationsSecuritiesTradingCategory" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_ReclassificationsSecuritiesTradingCategory_link" xlink:title="usfr-fst_ReclassificationsSecuritiesTradingCategory" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Reclassifications of Securities from Trading Category</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_RealEstateOwnedValuationAllowances" xlink:label="usfr-fst_RealEstateOwnedValuationAllowances" xlink:title="usfr-fst_RealEstateOwnedValuationAllowances" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_RealEstateOwnedValuationAllowances_link" xlink:title="usfr-fst_RealEstateOwnedValuationAllowances" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Real Estate Owned - Valuation Allowances</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_RealEstateOwnedJudgementSubjectRedemption" xlink:label="usfr-fst_RealEstateOwnedJudgementSubjectRedemption" xlink:title="usfr-fst_RealEstateOwnedJudgementSubjectRedemption" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_RealEstateOwnedJudgementSubjectRedemption_link" xlink:title="usfr-fst_RealEstateOwnedJudgementSubjectRedemption" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Real Estate Owned - in Judgement and Subject to Redemption</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_RealEstateOwnedEachClassRealEstate" xlink:label="usfr-fst_RealEstateOwnedEachClassRealEstate" xlink:title="usfr-fst_RealEstateOwnedEachClassRealEstate" />
    <label xlink:type="resource" xlink:label="_usfr-fst_RealEstateOwnedEachClassRealEstate_link" xlink:title="usfr-fst_RealEstateOwnedEachClassRealEstate" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Each Class of Real Estate</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_RealEstateOwnedEachClassRealEstate_link" xlink:title="usfr-fst_RealEstateOwnedEachClassRealEstate" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Real Estate Owned - Each Class of Real Estate</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_RealEstateOwnedCapitalizedCosts" xlink:label="usfr-fst_RealEstateOwnedCapitalizedCosts" xlink:title="usfr-fst_RealEstateOwnedCapitalizedCosts" />
    <label xlink:type="resource" xlink:label="_usfr-fst_RealEstateOwnedCapitalizedCosts_link" xlink:title="usfr-fst_RealEstateOwnedCapitalizedCosts" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Capitalized Costs</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_RealEstateOwnedCapitalizedCosts_link" xlink:title="usfr-fst_RealEstateOwnedCapitalizedCosts" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Real Estate Owned - Capitalized Costs</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_RealEstateOwnedAcquiredDevelopmentResale" xlink:label="usfr-fst_RealEstateOwnedAcquiredDevelopmentResale" xlink:title="usfr-fst_RealEstateOwnedAcquiredDevelopmentResale" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_ProceedsIssuanceMediumTermNotes" xlink:label="usfr-fst_ProceedsIssuanceMediumTermNotes" xlink:title="usfr-fst_ProceedsIssuanceMediumTermNotes" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_ProceedsFederalHomeLoanBankBorrowings" xlink:label="usfr-fst_ProceedsFederalHomeLoanBankBorrowings" xlink:title="usfr-fst_ProceedsFederalHomeLoanBankBorrowings" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_PrincipalPaymentsOnLoansReceivableHeldInvestment" xlink:label="usfr-fst_PrincipalPaymentsOnLoansReceivableHeldInvestment" xlink:title="usfr-fst_PrincipalPaymentsOnLoansReceivableHeldInvestment" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OtherIncomeProfitLossRealEstateOperations" xlink:label="usfr-fst_OtherIncomeProfitLossRealEstateOperations" xlink:title="usfr-fst_OtherIncomeProfitLossRealEstateOperations" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OtherIncomeFeesCustomerServices" xlink:label="usfr-fst_OtherIncomeFeesCustomerServices" xlink:title="usfr-fst_OtherIncomeFeesCustomerServices" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OtherIncomeEquityEarningsUnconsolidatedSubsidiaries" xlink:label="usfr-fst_OtherIncomeEquityEarningsUnconsolidatedSubsidiaries" xlink:title="usfr-fst_OtherIncomeEquityEarningsUnconsolidatedSubsidiaries" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OtherExpensesNetCostOperationOtherRealEstate" xlink:label="usfr-fst_OtherExpensesNetCostOperationOtherRealEstate" xlink:title="usfr-fst_OtherExpensesNetCostOperationOtherRealEstate" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_OtherExpensesNetCostOperationOtherRealEstate_link" xlink:title="usfr-fst_OtherExpensesNetCostOperationOtherRealEstate" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Other Expenses - Net Cost of Operation of Other Real Estate</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OtherConsumer" xlink:label="usfr-fst_OtherConsumer" xlink:title="usfr-fst_OtherConsumer" />
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherConsumer_link" xlink:title="usfr-fst_OtherConsumer" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Other consumer</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherConsumer_link" xlink:title="usfr-fst_OtherConsumer" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Other consumer</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OtherChangesLoansLeasesNet" xlink:label="usfr-fst_OtherChangesLoansLeasesNet" xlink:title="usfr-fst_OtherChangesLoansLeasesNet" />
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherChangesLoansLeasesNet_link" xlink:title="usfr-fst_OtherChangesLoansLeasesNet" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Other Changes in Loans and Leases, Net</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherChangesLoansLeasesNet_link" xlink:title="usfr-fst_OtherChangesLoansLeasesNet" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Other Changes in Loans and Leases, Net</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OtherAssetsDisclosedOtherRealEstate" xlink:label="usfr-fst_OtherAssetsDisclosedOtherRealEstate" xlink:title="usfr-fst_OtherAssetsDisclosedOtherRealEstate" />
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherAssetsDisclosedOtherRealEstate_link" xlink:title="usfr-fst_OtherAssetsDisclosedOtherRealEstate" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Other Real Estate</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherAssetsDisclosedOtherRealEstate_link" xlink:title="usfr-fst_OtherAssetsDisclosedOtherRealEstate" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Other Assets Disclosed - Other Real Estate</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OtherAssetsDisclosedLoansAccruedInterestReceivable" xlink:label="usfr-fst_OtherAssetsDisclosedLoansAccruedInterestReceivable" xlink:title="usfr-fst_OtherAssetsDisclosedLoansAccruedInterestReceivable" />
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherAssetsDisclosedLoansAccruedInterestReceivable_link" xlink:title="usfr-fst_OtherAssetsDisclosedLoansAccruedInterestReceivable" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Loans' Accrued Interest Receivable</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherAssetsDisclosedLoansAccruedInterestReceivable_link" xlink:title="usfr-fst_OtherAssetsDisclosedLoansAccruedInterestReceivable" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Other Assets Disclosed - Loans' Accrued Interest Receivable</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OtherAssetsDisclosedInvestmentsIndebtednessAffiliates" xlink:label="usfr-fst_OtherAssetsDisclosedInvestmentsIndebtednessAffiliates" xlink:title="usfr-fst_OtherAssetsDisclosedInvestmentsIndebtednessAffiliates" />
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherAssetsDisclosedInvestmentsIndebtednessAffiliates_link" xlink:title="usfr-fst_OtherAssetsDisclosedInvestmentsIndebtednessAffiliates" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Investments in and Indebtedness of Affiliates</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherAssetsDisclosedInvestmentsIndebtednessAffiliates_link" xlink:title="usfr-fst_OtherAssetsDisclosedInvestmentsIndebtednessAffiliates" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Other Assets Disclosed - Investments in and Indebtedness of Affiliates</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OtherAssetsDisclosedInvestmentsAccruedInterestReceivable" xlink:label="usfr-fst_OtherAssetsDisclosedInvestmentsAccruedInterestReceivable" xlink:title="usfr-fst_OtherAssetsDisclosedInvestmentsAccruedInterestReceivable" />
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherAssetsDisclosedInvestmentsAccruedInterestReceivable_link" xlink:title="usfr-fst_OtherAssetsDisclosedInvestmentsAccruedInterestReceivable" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Investments' Accrued Interest Receivable</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherAssetsDisclosedInvestmentsAccruedInterestReceivable_link" xlink:title="usfr-fst_OtherAssetsDisclosedInvestmentsAccruedInterestReceivable" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Other Assets Disclosed - Investments' Accrued Interest Receivable</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OtherAssetsDisclosedChangesAllowancesLossesOnOtherRealEstate" xlink:label="usfr-fst_OtherAssetsDisclosedChangesAllowancesLossesOnOtherRealEstate" xlink:title="usfr-fst_OtherAssetsDisclosedChangesAllowancesLossesOnOtherRealEstate" />
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherAssetsDisclosedChangesAllowancesLossesOnOtherRealEstate_link" xlink:title="usfr-fst_OtherAssetsDisclosedChangesAllowancesLossesOnOtherRealEstate" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Changes in Allowances for Losses on Other Real Estate</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherAssetsDisclosedChangesAllowancesLossesOnOtherRealEstate_link" xlink:title="usfr-fst_OtherAssetsDisclosedChangesAllowancesLossesOnOtherRealEstate" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Other Assets Disclosed - Changes in Allowances for Losses on Other Real Estate</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OtherAssetsDisclosedBasisOtherRealEstateCarried" xlink:label="usfr-fst_OtherAssetsDisclosedBasisOtherRealEstateCarried" xlink:title="usfr-fst_OtherAssetsDisclosedBasisOtherRealEstateCarried" />
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherAssetsDisclosedBasisOtherRealEstateCarried_link" xlink:title="usfr-fst_OtherAssetsDisclosedBasisOtherRealEstateCarried" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Basis Other Real Estate is Carried</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherAssetsDisclosedBasisOtherRealEstateCarried_link" xlink:title="usfr-fst_OtherAssetsDisclosedBasisOtherRealEstateCarried" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Other Assets Disclosed - Basis Other Real Estate is Carried</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OtherAssetsDisclosed" xlink:label="usfr-fst_OtherAssetsDisclosed" xlink:title="usfr-fst_OtherAssetsDisclosed" />
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherAssetsDisclosed_link" xlink:title="usfr-fst_OtherAssetsDisclosed" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Other Assets Disclosed</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherAssetsDisclosed_link" xlink:title="usfr-fst_OtherAssetsDisclosed" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Other Assets Disclosed</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OtherAdjustments" xlink:label="usfr-fst_OtherAdjustments" xlink:title="usfr-fst_OtherAdjustments" />
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherAdjustments_link" xlink:title="usfr-fst_OtherAdjustments" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Other Adjustments</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_OtherAdjustments_link" xlink:title="usfr-fst_OtherAdjustments" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Other Adjustments</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OriginationsPurchasesLoansAvailableSaleNet" xlink:label="usfr-fst_OriginationsPurchasesLoansAvailableSaleNet" xlink:title="usfr-fst_OriginationsPurchasesLoansAvailableSaleNet" />
    <label xlink:type="resource" xlink:label="_usfr-fst_OriginationsPurchasesLoansAvailableSaleNet_link" xlink:title="usfr-fst_OriginationsPurchasesLoansAvailableSaleNet" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Originations and Purchases of Loans Available for Sale, net</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_OriginationsPurchasesLoansAvailableSaleNet_link" xlink:title="usfr-fst_OriginationsPurchasesLoansAvailableSaleNet" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Originations and Purchases of Loans Available for Sale, net</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OperationsGeneralNoninterestIncome" xlink:label="usfr-fst_OperationsGeneralNoninterestIncome" xlink:title="usfr-fst_OperationsGeneralNoninterestIncome" />
    <label xlink:type="resource" xlink:label="_usfr-fst_OperationsGeneralNoninterestIncome_link" xlink:title="usfr-fst_OperationsGeneralNoninterestIncome" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Noninterest Income</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_OperationsGeneralNoninterestIncome_link" xlink:title="usfr-fst_OperationsGeneralNoninterestIncome" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Noninterest Income</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OperationsGeneralNoninterestExpense" xlink:label="usfr-fst_OperationsGeneralNoninterestExpense" xlink:title="usfr-fst_OperationsGeneralNoninterestExpense" />
    <label xlink:type="resource" xlink:label="_usfr-fst_OperationsGeneralNoninterestExpense_link" xlink:title="usfr-fst_OperationsGeneralNoninterestExpense" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Noninterest Expense</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_OperationsGeneralNoninterestExpense_link" xlink:title="usfr-fst_OperationsGeneralNoninterestExpense" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Noninterest Expense</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_OperationsGeneralNetInterestIncome" xlink:label="usfr-fst_OperationsGeneralNetInterestIncome" xlink:title="usfr-fst_OperationsGeneralNetInterestIncome" />
    <label xlink:type="resource" xlink:label="_usfr-fst_OperationsGeneralNetInterestIncome_link" xlink:title="usfr-fst_OperationsGeneralNetInterestIncome" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Net Interest Income</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_OperationsGeneralNetInterestIncome_link" xlink:title="usfr-fst_OperationsGeneralNetInterestIncome" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Net Interest Income</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NonperformingAssets" xlink:label="usfr-fst_NonperformingAssets" xlink:title="usfr-fst_NonperformingAssets" />
    <label xlink:type="resource" xlink:label="_usfr-fst_NonperformingAssets_link" xlink:title="usfr-fst_NonperformingAssets" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Nonperforming Assets</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_NonperformingAssets_link" xlink:title="usfr-fst_NonperformingAssets" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Nonperforming Assets</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NonInterestIncomeTradingRevenuesForeignExchangeTradingGainsLosses" xlink:label="usfr-fst_NonInterestIncomeTradingRevenuesForeignExchangeTradingGainsLosses" xlink:title="usfr-fst_NonInterestIncomeTradingRevenuesForeignExchangeTradingGainsLosses" />
    <label xlink:type="resource" xlink:label="_usfr-fst_NonInterestIncomeTradingRevenuesForeignExchangeTradingGainsLosses_link" xlink:title="usfr-fst_NonInterestIncomeTradingRevenuesForeignExchangeTradingGainsLosses" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Foreign Exchange Trading Gains and Losses</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_NonInterestIncomeTradingRevenuesForeignExchangeTradingGainsLosses_link" xlink:title="usfr-fst_NonInterestIncomeTradingRevenuesForeignExchangeTradingGainsLosses" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Non Interest Income - Trading Revenues - Foreign Exchange Trading Gains and Losses</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NonInterestIncomeTradingRevenues" xlink:label="usfr-fst_NonInterestIncomeTradingRevenues" xlink:title="usfr-fst_NonInterestIncomeTradingRevenues" />
    <label xlink:type="resource" xlink:label="_usfr-fst_NonInterestIncomeTradingRevenues_link" xlink:title="usfr-fst_NonInterestIncomeTradingRevenues" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Trading Revenue</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_NonInterestIncomeTradingRevenues_link" xlink:title="usfr-fst_NonInterestIncomeTradingRevenues" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Non Interest Income - Trading Revenues</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NonInterestIncomeTotalOtherNonInterestIncomeOtherNonInterestIncomeEquityMethodInvestments" xlink:label="usfr-fst_NonInterestIncomeTotalOtherNonInterestIncomeOtherNonInterestIncomeEquityMethodInvestments" xlink:title="usfr-fst_NonInterestIncomeTotalOtherNonInterestIncomeOtherNonInterestIncomeEquityMethodInvestments" />
    <label xlink:type="resource" xlink:label="_usfr-fst_NonInterestIncomeTotalOtherNonInterestIncomeOtherNonInterestIncomeEquityMethodInvestments_link" xlink:title="usfr-fst_NonInterestIncomeTotalOtherNonInterestIncomeOtherNonInterestIncomeEquityMethodInvestments" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Equity in Earnings in Unconsolidated Subsidiaries</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_NonInterestIncomeTotalOtherNonInterestIncomeOtherNonInterestIncomeEquityMethodInvestments_link" xlink:title="usfr-fst_NonInterestIncomeTotalOtherNonInterestIncomeOtherNonInterestIncomeEquityMethodInvestments" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Non Interest Income - Total Other Non Interest Income - Other Non Interest Income - Equity Method Investments</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NonInterestIncomeTotalOtherNonInterestIncomeOtherNonInterestIncome" xlink:label="usfr-fst_NonInterestIncomeTotalOtherNonInterestIncomeOtherNonInterestIncome" xlink:title="usfr-fst_NonInterestIncomeTotalOtherNonInterestIncomeOtherNonInterestIncome" />
    <label xlink:type="resource" xlink:label="_usfr-fst_NonInterestIncomeTotalOtherNonInterestIncomeOtherNonInterestIncome_link" xlink:title="usfr-fst_NonInterestIncomeTotalOtherNonInterestIncomeOtherNonInterestIncome" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Other Non Interest Income</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_NonInterestIncomeTotalOtherNonInterestIncomeOtherNonInterestIncome_link" xlink:title="usfr-fst_NonInterestIncomeTotalOtherNonInterestIncomeOtherNonInterestIncome" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Non Interest Income - Total Other Non Interest Income - Other Non Interest Income</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NonInterestIncomeTotalOtherNonInterestIncome" xlink:label="usfr-fst_NonInterestIncomeTotalOtherNonInterestIncome" xlink:title="usfr-fst_NonInterestIncomeTotalOtherNonInterestIncome" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_NonInterestIncomeTotalOtherNonInterestIncome_link" xlink:title="usfr-fst_NonInterestIncomeTotalOtherNonInterestIncome" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Non Interest Income - Total Other Non Interest Income</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NonInterestIncomeServiceChargesOnDepositAmounts" xlink:label="usfr-fst_NonInterestIncomeServiceChargesOnDepositAmounts" xlink:title="usfr-fst_NonInterestIncomeServiceChargesOnDepositAmounts" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_NonInterestIncomeServiceChargesOnDepositAmounts_link" xlink:title="usfr-fst_NonInterestIncomeServiceChargesOnDepositAmounts" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Non Interest Income - Service Charges on Deposit Amounts</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NonInterestIncomeProfitLossRealEstateOperations" xlink:label="usfr-fst_NonInterestIncomeProfitLossRealEstateOperations" xlink:title="usfr-fst_NonInterestIncomeProfitLossRealEstateOperations" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NonInterestIncomeInsuranceCommissionsFees" xlink:label="usfr-fst_NonInterestIncomeInsuranceCommissionsFees" xlink:title="usfr-fst_NonInterestIncomeInsuranceCommissionsFees" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NonInterestIncomeGainsLossesOnSaleOtherRealEstate" xlink:label="usfr-fst_NonInterestIncomeGainsLossesOnSaleOtherRealEstate" xlink:title="usfr-fst_NonInterestIncomeGainsLossesOnSaleOtherRealEstate" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NonInterestIncomeGainsLossesOnSaleOtherAssets" xlink:label="usfr-fst_NonInterestIncomeGainsLossesOnSaleOtherAssets" xlink:title="usfr-fst_NonInterestIncomeGainsLossesOnSaleOtherAssets" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_NonInterestIncomeGainsLossesOnSaleOtherAssets_link" xlink:title="usfr-fst_NonInterestIncomeGainsLossesOnSaleOtherAssets" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Non Interest Income - Gains (Losses) on Sale of Other Assets</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NonInterestIncomeGainsLossesOnSaleCreditCardPortfolio" xlink:label="usfr-fst_NonInterestIncomeGainsLossesOnSaleCreditCardPortfolio" xlink:title="usfr-fst_NonInterestIncomeGainsLossesOnSaleCreditCardPortfolio" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NonInterestIncomeCreditCardFees" xlink:label="usfr-fst_NonInterestIncomeCreditCardFees" xlink:title="usfr-fst_NonInterestIncomeCreditCardFees" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NonInterestIncomeConversionGainsLossesOnForeignInvestments" xlink:label="usfr-fst_NonInterestIncomeConversionGainsLossesOnForeignInvestments" xlink:title="usfr-fst_NonInterestIncomeConversionGainsLossesOnForeignInvestments" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NonInterestIncomeCommissionsFeesFiduciaryTrustActivities" xlink:label="usfr-fst_NonInterestIncomeCommissionsFeesFiduciaryTrustActivities" xlink:title="usfr-fst_NonInterestIncomeCommissionsFeesFiduciaryTrustActivities" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NonInterestIncomeBankOwnedLifeInsuranceIncome" xlink:label="usfr-fst_NonInterestIncomeBankOwnedLifeInsuranceIncome" xlink:title="usfr-fst_NonInterestIncomeBankOwnedLifeInsuranceIncome" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetLoans" xlink:label="usfr-fst_NetLoans" xlink:title="usfr-fst_NetLoans" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetLoanLeaseOriginationsPrincipalCollections" xlink:label="usfr-fst_NetLoanLeaseOriginationsPrincipalCollections" xlink:title="usfr-fst_NetLoanLeaseOriginationsPrincipalCollections" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetInterestIncomeAfterProvisionLoanLeaseLosses" xlink:label="usfr-fst_NetInterestIncomeAfterProvisionLoanLeaseLosses" xlink:title="usfr-fst_NetInterestIncomeAfterProvisionLoanLeaseLosses" />
    <label xlink:type="resource" xlink:label="_usfr-fst_NetInterestIncomeAfterProvisionLoanLeaseLosses_link" xlink:title="usfr-fst_NetInterestIncomeAfterProvisionLoanLeaseLosses" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Net Interest Income After Provision for Loan and Lease Losses</label>
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetInterestIncome" xlink:label="usfr-fst_NetInterestIncome" xlink:title="usfr-fst_NetInterestIncome" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetGainsLossRealizedOnSalesLoans" xlink:label="usfr-fst_NetGainsLossRealizedOnSalesLoans" xlink:title="usfr-fst_NetGainsLossRealizedOnSalesLoans" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetGainLossRealizedOnSalesConsumerLoans" xlink:label="usfr-fst_NetGainLossRealizedOnSalesConsumerLoans" xlink:title="usfr-fst_NetGainLossRealizedOnSalesConsumerLoans" />
    <label xlink:type="resource" xlink:label="_usfr-fst_NetGainLossRealizedOnSalesConsumerLoans_link" xlink:title="usfr-fst_NetGainLossRealizedOnSalesConsumerLoans" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Net Gain (Loss) Realized on Sales of Consumer Loans</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_NetGainLossRealizedOnSalesConsumerLoans_link" xlink:title="usfr-fst_NetGainLossRealizedOnSalesConsumerLoans" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Net (Gain) Loss Realized on Sales of Consumer Loans</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetGainLossOnSalesMSR" xlink:label="usfr-fst_NetGainLossOnSalesMSR" xlink:title="usfr-fst_NetGainLossOnSalesMSR" />
    <label xlink:type="resource" xlink:label="_usfr-fst_NetGainLossOnSalesMSR_link" xlink:title="usfr-fst_NetGainLossOnSalesMSR" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Net Gain (Loss) on Sales of MSR</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_NetGainLossOnSalesMSR_link" xlink:title="usfr-fst_NetGainLossOnSalesMSR" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Net (Gain) Loss on sales of MSR</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetGainLossMortgageLoans" xlink:label="usfr-fst_NetGainLossMortgageLoans" xlink:title="usfr-fst_NetGainLossMortgageLoans" />
    <label xlink:type="resource" xlink:label="_usfr-fst_NetGainLossMortgageLoans_link" xlink:title="usfr-fst_NetGainLossMortgageLoans" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Net Gain (Loss) from Mortgage Loans</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_NetGainLossMortgageLoans_link" xlink:title="usfr-fst_NetGainLossMortgageLoans" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Net (Gain) Loss from Mortgage Loans</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetForeclosedAssets" xlink:label="usfr-fst_NetForeclosedAssets" xlink:title="usfr-fst_NetForeclosedAssets" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_NetForeclosedAssets_link" xlink:title="usfr-fst_NetForeclosedAssets" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Net Foreclosed Assets</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetChangeUndisbursedLoanFunds" xlink:label="usfr-fst_NetChangeUndisbursedLoanFunds" xlink:title="usfr-fst_NetChangeUndisbursedLoanFunds" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetChangeTradingAccountSecurities" xlink:label="usfr-fst_NetChangeTradingAccountSecurities" xlink:title="usfr-fst_NetChangeTradingAccountSecurities" />
    <label xlink:type="resource" xlink:label="_usfr-fst_NetChangeTradingAccountSecurities_link" xlink:title="usfr-fst_NetChangeTradingAccountSecurities" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Net Change in Trading Account Securities</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_NetChangeTradingAccountSecurities_link" xlink:title="usfr-fst_NetChangeTradingAccountSecurities" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Net Change in Trading Account Securities</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetChangeSecuritiesSoldUnderAgreementsRepurchase" xlink:label="usfr-fst_NetChangeSecuritiesSoldUnderAgreementsRepurchase" xlink:title="usfr-fst_NetChangeSecuritiesSoldUnderAgreementsRepurchase" />
    <label xlink:type="resource" xlink:label="_usfr-fst_NetChangeSecuritiesSoldUnderAgreementsRepurchase_link" xlink:title="usfr-fst_NetChangeSecuritiesSoldUnderAgreementsRepurchase" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Net Change in Securities Sold Under Agreements to Repurchase</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_NetChangeSecuritiesSoldUnderAgreementsRepurchase_link" xlink:title="usfr-fst_NetChangeSecuritiesSoldUnderAgreementsRepurchase" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Net Change in Securities Sold Under Agreements to Repurchase</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetChangeSecuritiesPurchasedUnderAgreementsResell" xlink:label="usfr-fst_NetChangeSecuritiesPurchasedUnderAgreementsResell" xlink:title="usfr-fst_NetChangeSecuritiesPurchasedUnderAgreementsResell" />
    <label xlink:type="resource" xlink:label="_usfr-fst_NetChangeSecuritiesPurchasedUnderAgreementsResell_link" xlink:title="usfr-fst_NetChangeSecuritiesPurchasedUnderAgreementsResell" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Net Change in Securities Purchased Under Agreements to Resell</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_NetChangeSecuritiesPurchasedUnderAgreementsResell_link" xlink:title="usfr-fst_NetChangeSecuritiesPurchasedUnderAgreementsResell" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Net Change in Securities Purchased Under Agreements to Resell</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetChangeOtherBorrowings" xlink:label="usfr-fst_NetChangeOtherBorrowings" xlink:title="usfr-fst_NetChangeOtherBorrowings" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_NetChangeOtherBorrowings_link" xlink:title="usfr-fst_NetChangeOtherBorrowings" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Net Change in Other borrowings</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetChangeLoansLeases" xlink:label="usfr-fst_NetChangeLoansLeases" xlink:title="usfr-fst_NetChangeLoansLeases" />
    <label xlink:type="resource" xlink:label="_usfr-fst_NetChangeLoansLeases_link" xlink:title="usfr-fst_NetChangeLoansLeases" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Net Change in Loans and Leases</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_NetChangeLoansLeases_link" xlink:title="usfr-fst_NetChangeLoansLeases" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Net Change in Loans and Leases</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetChangeLoansHeldSale" xlink:label="usfr-fst_NetChangeLoansHeldSale" xlink:title="usfr-fst_NetChangeLoansHeldSale" />
    <label xlink:type="resource" xlink:label="_usfr-fst_NetChangeLoansHeldSale_link" xlink:title="usfr-fst_NetChangeLoansHeldSale" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Net Change in Loans Held for Sale</label>
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetChangeLiabilityChecksIssued" xlink:label="usfr-fst_NetChangeLiabilityChecksIssued" xlink:title="usfr-fst_NetChangeLiabilityChecksIssued" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetChangeInterestDividendsReceivable" xlink:label="usfr-fst_NetChangeInterestDividendsReceivable" xlink:title="usfr-fst_NetChangeInterestDividendsReceivable" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetChangeInterestBearingDepositsBanks" xlink:label="usfr-fst_NetChangeInterestBearingDepositsBanks" xlink:title="usfr-fst_NetChangeInterestBearingDepositsBanks" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetChangeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" xlink:label="usfr-fst_NetChangeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" xlink:title="usfr-fst_NetChangeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_NetChangeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResell_link" xlink:title="usfr-fst_NetChangeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResell" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Net Change in Federal Funds sold and Securities Purchased Under Agreements to Resell</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetChangeFederalFundsSold" xlink:label="usfr-fst_NetChangeFederalFundsSold" xlink:title="usfr-fst_NetChangeFederalFundsSold" />
    <label xlink:type="resource" xlink:label="_usfr-fst_NetChangeFederalFundsSold_link" xlink:title="usfr-fst_NetChangeFederalFundsSold" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Net Change in Federal Funds Sold</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_NetChangeFederalFundsSold_link" xlink:title="usfr-fst_NetChangeFederalFundsSold" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Net Change in Federal Funds Sold</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetChangeFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchase" xlink:label="usfr-fst_NetChangeFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchase" xlink:title="usfr-fst_NetChangeFederalFundsPurchasedSecuritiesSoldUnderAgreementsRepurchase" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_NetChangeFederalFundsPurchased" xlink:label="usfr-fst_NetChangeFederalFundsPurchased" xlink:title="usfr-fst_NetChangeFederalFundsPurchased" />
    <label xlink:type="resource" xlink:label="_usfr-fst_NetChangeFederalFundsPurchased_link" xlink:title="usfr-fst_NetChangeFederalFundsPurchased" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Net Change in Federal Funds Purchased</label>
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_InterestIncomeInterestOnMoneyMarketDeposits" xlink:label="usfr-fst_InterestIncomeInterestOnMoneyMarketDeposits" xlink:title="usfr-fst_InterestIncomeInterestOnMoneyMarketDeposits" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_InterestIncomeInterestOnDepositsWithFinancialInstitutions" xlink:label="usfr-fst_InterestIncomeInterestOnDepositsWithFinancialInstitutions" xlink:title="usfr-fst_InterestIncomeInterestOnDepositsWithFinancialInstitutions" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_InterestIncomeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResellSecuritiesPurchasedUnderAgreementsResell" xlink:label="usfr-fst_InterestIncomeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResellSecuritiesPurchasedUnderAgreementsResell" xlink:title="usfr-fst_InterestIncomeFederalFundsSoldSecuritiesPurchasedUnderAgreementsResellSecuritiesPurchasedUnderAgreementsResell" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_DepositsDemandDepositAccountsInterestBearing" xlink:label="usfr-fst_DepositsDemandDepositAccountsInterestBearing" xlink:title="usfr-fst_DepositsDemandDepositAccountsInterestBearing" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_DepositsDemandDepositAccounts" xlink:label="usfr-fst_DepositsDemandDepositAccounts" xlink:title="usfr-fst_DepositsDemandDepositAccounts" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_DepositsCertificatesDepositsLessThan100000" xlink:label="usfr-fst_DepositsCertificatesDepositsLessThan100000" xlink:title="usfr-fst_DepositsCertificatesDepositsLessThan100000" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_DepositsCertificatesDeposits100000More" xlink:label="usfr-fst_DepositsCertificatesDeposits100000More" xlink:title="usfr-fst_DepositsCertificatesDeposits100000More" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_DepositDisclosureTimeDepositAccounts" xlink:label="usfr-fst_DepositDisclosureTimeDepositAccounts" xlink:title="usfr-fst_DepositDisclosureTimeDepositAccounts" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_DepositDisclosureSubsequentFiveYearsMaturitiesTimeDeposits" xlink:label="usfr-fst_DepositDisclosureSubsequentFiveYearsMaturitiesTimeDeposits" xlink:title="usfr-fst_DepositDisclosureSubsequentFiveYearsMaturitiesTimeDeposits" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_DepositDisclosureFinancialInstrumentsPledgedAsCollateral" xlink:label="usfr-fst_DepositDisclosureFinancialInstrumentsPledgedAsCollateral" xlink:title="usfr-fst_DepositDisclosureFinancialInstrumentsPledgedAsCollateral" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_DepositDisclosureDepositsRelatedParties" xlink:label="usfr-fst_DepositDisclosureDepositsRelatedParties" xlink:title="usfr-fst_DepositDisclosureDepositsRelatedParties" />
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_DepositDisclosureDemandDepositsReclassifiedAsLoans" xlink:label="usfr-fst_DepositDisclosureDemandDepositsReclassifiedAsLoans" xlink:title="usfr-fst_DepositDisclosureDemandDepositsReclassifiedAsLoans" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_Consumer1_link" xlink:title="usfr-fst_Consumer1" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Consumer</label>
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    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CompanyObligatedManditorilyRedeemablePreferredCapitalSecuritiesSubsidiaryTrusts" xlink:label="usfr-fst_CompanyObligatedManditorilyRedeemablePreferredCapitalSecuritiesSubsidiaryTrusts" xlink:title="usfr-fst_CompanyObligatedManditorilyRedeemablePreferredCapitalSecuritiesSubsidiaryTrusts" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_CompanyObligatedManditorilyRedeemablePreferredCapitalSecuritiesSubsidiaryTrusts_link" xlink:title="usfr-fst_CompanyObligatedManditorilyRedeemablePreferredCapitalSecuritiesSubsidiaryTrusts" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Company Obligated Manditorily Redeemable Preferred Capital Securities of Subsidiary Trusts</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CommitmentsContingenciesCommitmentsExtendCredit" xlink:label="usfr-fst_CommitmentsContingenciesCommitmentsExtendCredit" xlink:title="usfr-fst_CommitmentsContingenciesCommitmentsExtendCredit" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_CommitmentsContingenciesCommitmentsExtendCredit_link" xlink:title="usfr-fst_CommitmentsContingenciesCommitmentsExtendCredit" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Commitments and Contingencies - Commitments to Extend Credit</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CommercialLoans" xlink:label="usfr-fst_CommercialLoans" xlink:title="usfr-fst_CommercialLoans" />
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    <label xlink:type="resource" xlink:label="_usfr-fst_CommercialLoans_link" xlink:title="usfr-fst_CommercialLoans" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Commercial Loans</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CommercialIndustrial" xlink:label="usfr-fst_CommercialIndustrial" xlink:title="usfr-fst_CommercialIndustrial" />
    <label xlink:type="resource" xlink:label="_usfr-fst_CommercialIndustrial_link" xlink:title="usfr-fst_CommercialIndustrial" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Commercial and Industrial</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_CommercialIndustrial_link" xlink:title="usfr-fst_CommercialIndustrial" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Commercial and Industrial</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CommercialCopy2" xlink:label="usfr-fst_CommercialCopy2" xlink:title="usfr-fst_CommercialCopy2" />
    <label xlink:type="resource" xlink:label="_usfr-fst_CommercialCopy2_link" xlink:title="usfr-fst_CommercialCopy2" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Commercial</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_CommercialCopy2_link" xlink:title="usfr-fst_CommercialCopy2" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Commercial</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_Commercial1" xlink:label="usfr-fst_Commercial1" xlink:title="usfr-fst_Commercial1" />
    <label xlink:type="resource" xlink:label="_usfr-fst_Commercial1_link" xlink:title="usfr-fst_Commercial1" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Commercial</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_Commercial1_link" xlink:title="usfr-fst_Commercial1" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Commercial</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_ChargeOffsNet" xlink:label="usfr-fst_ChargeOffsNet" xlink:title="usfr-fst_ChargeOffsNet" />
    <label xlink:type="resource" xlink:label="_usfr-fst_ChargeOffsNet_link" xlink:title="usfr-fst_ChargeOffsNet" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Charge-Offs, Net</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_ChargeOffsNet_link" xlink:title="usfr-fst_ChargeOffsNet" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Charge-Offs, Net</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_ChargeOffsGross" xlink:label="usfr-fst_ChargeOffsGross" xlink:title="usfr-fst_ChargeOffsGross" />
    <label xlink:type="resource" xlink:label="_usfr-fst_ChargeOffsGross_link" xlink:title="usfr-fst_ChargeOffsGross" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Charge-Offs, Gross</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_ChargeOffsGross_link" xlink:title="usfr-fst_ChargeOffsGross" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Charge-Offs, Gross</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_ChangesTaxExemptPortfolio" xlink:label="usfr-fst_ChangesTaxExemptPortfolio" xlink:title="usfr-fst_ChangesTaxExemptPortfolio" />
    <label xlink:type="resource" xlink:label="_usfr-fst_ChangesTaxExemptPortfolio_link" xlink:title="usfr-fst_ChangesTaxExemptPortfolio" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Tax Exempt Portfolio</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_ChangesTaxExemptPortfolio_link" xlink:title="usfr-fst_ChangesTaxExemptPortfolio" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Changes in Tax Exempt Portfolio</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_ChangesAccruedExpenses" xlink:label="usfr-fst_ChangesAccruedExpenses" xlink:title="usfr-fst_ChangesAccruedExpenses" />
    <label xlink:type="resource" xlink:label="_usfr-fst_ChangesAccruedExpenses_link" xlink:title="usfr-fst_ChangesAccruedExpenses" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Change in Accrued Expenses</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_ChangesAccruedExpenses_link" xlink:title="usfr-fst_ChangesAccruedExpenses" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Change in Accrued Expenses</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_ChangeMortgageServicingRights" xlink:label="usfr-fst_ChangeMortgageServicingRights" xlink:title="usfr-fst_ChangeMortgageServicingRights" />
    <label xlink:type="resource" xlink:label="_usfr-fst_ChangeMortgageServicingRights_link" xlink:title="usfr-fst_ChangeMortgageServicingRights" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Change in Mortgage Servicing Rights</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_ChangeMortgageServicingRights_link" xlink:title="usfr-fst_ChangeMortgageServicingRights" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Change in Mortgage Servicing Rights</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_ChangeInterestReceivable" xlink:label="usfr-fst_ChangeInterestReceivable" xlink:title="usfr-fst_ChangeInterestReceivable" />
    <label xlink:type="resource" xlink:label="_usfr-fst_ChangeInterestReceivable_link" xlink:title="usfr-fst_ChangeInterestReceivable" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Net Change in Accrued Interest Income Receivable</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_ChangeInterestReceivable_link" xlink:title="usfr-fst_ChangeInterestReceivable" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Change in Interest Receivable</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CashUsedAcquisitions" xlink:label="usfr-fst_CashUsedAcquisitions" xlink:title="usfr-fst_CashUsedAcquisitions" />
    <label xlink:type="resource" xlink:label="_usfr-fst_CashUsedAcquisitions_link" xlink:title="usfr-fst_CashUsedAcquisitions" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Purchases related to acquisition</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_CashUsedAcquisitions_link" xlink:title="usfr-fst_CashUsedAcquisitions" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Cash Used for Acquisitions</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CashReceiptsSalesSecurities" xlink:label="usfr-fst_CashReceiptsSalesSecurities" xlink:title="usfr-fst_CashReceiptsSalesSecurities" />
    <label xlink:type="resource" xlink:label="_usfr-fst_CashReceiptsSalesSecurities_link" xlink:title="usfr-fst_CashReceiptsSalesSecurities" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Cash Receipts from Sales of Securities</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_CashReceiptsSalesSecurities_link" xlink:title="usfr-fst_CashReceiptsSalesSecurities" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Cash Receipts from Sales of Securities</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CashReceiptsSaleOtherAssets" xlink:label="usfr-fst_CashReceiptsSaleOtherAssets" xlink:title="usfr-fst_CashReceiptsSaleOtherAssets" />
    <label xlink:type="resource" xlink:label="_usfr-fst_CashReceiptsSaleOtherAssets_link" xlink:title="usfr-fst_CashReceiptsSaleOtherAssets" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Cash Receipts from Sale of Other Assets</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_CashReceiptsSaleOtherAssets_link" xlink:title="usfr-fst_CashReceiptsSaleOtherAssets" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Cash Receipts from Sale of Other Assets</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CashReceiptsPaymentsWithdrawalsDeposits" xlink:label="usfr-fst_CashReceiptsPaymentsWithdrawalsDeposits" xlink:title="usfr-fst_CashReceiptsPaymentsWithdrawalsDeposits" />
    <label xlink:type="resource" xlink:label="_usfr-fst_CashReceiptsPaymentsWithdrawalsDeposits_link" xlink:title="usfr-fst_CashReceiptsPaymentsWithdrawalsDeposits" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Withdrawals of Deposits</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_CashReceiptsPaymentsWithdrawalsDeposits_link" xlink:title="usfr-fst_CashReceiptsPaymentsWithdrawalsDeposits" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Cash Receipts and Payments - Withdrawals of Deposits</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CashReceiptsPaymentsTimeDepositsAccepted" xlink:label="usfr-fst_CashReceiptsPaymentsTimeDepositsAccepted" xlink:title="usfr-fst_CashReceiptsPaymentsTimeDepositsAccepted" />
    <label xlink:type="resource" xlink:label="_usfr-fst_CashReceiptsPaymentsTimeDepositsAccepted_link" xlink:title="usfr-fst_CashReceiptsPaymentsTimeDepositsAccepted" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Time Deposits Accepted</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_CashReceiptsPaymentsTimeDepositsAccepted_link" xlink:title="usfr-fst_CashReceiptsPaymentsTimeDepositsAccepted" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Cash Receipts and Payments - Time Deposits Accepted</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CashReceiptsPaymentsRepaymentsDeposits" xlink:label="usfr-fst_CashReceiptsPaymentsRepaymentsDeposits" xlink:title="usfr-fst_CashReceiptsPaymentsRepaymentsDeposits" />
    <label xlink:type="resource" xlink:label="_usfr-fst_CashReceiptsPaymentsRepaymentsDeposits_link" xlink:title="usfr-fst_CashReceiptsPaymentsRepaymentsDeposits" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Repayments of Deposits</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_CashReceiptsPaymentsRepaymentsDeposits_link" xlink:title="usfr-fst_CashReceiptsPaymentsRepaymentsDeposits" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Cash Receipts and Payments - Repayments of Deposits</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CashReceiptsPaymentsPrincipalCollectionsLoans" xlink:label="usfr-fst_CashReceiptsPaymentsPrincipalCollectionsLoans" xlink:title="usfr-fst_CashReceiptsPaymentsPrincipalCollectionsLoans" />
    <label xlink:type="resource" xlink:label="_usfr-fst_CashReceiptsPaymentsPrincipalCollectionsLoans_link" xlink:title="usfr-fst_CashReceiptsPaymentsPrincipalCollectionsLoans" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Principal Collections of Loans</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_CashReceiptsPaymentsPrincipalCollectionsLoans_link" xlink:title="usfr-fst_CashReceiptsPaymentsPrincipalCollectionsLoans" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Cash Receipts and Payments - Principal Collections of Loans</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CashReceiptsPaymentsLoansMadeCustomers" xlink:label="usfr-fst_CashReceiptsPaymentsLoansMadeCustomers" xlink:title="usfr-fst_CashReceiptsPaymentsLoansMadeCustomers" />
    <label xlink:type="resource" xlink:label="_usfr-fst_CashReceiptsPaymentsLoansMadeCustomers_link" xlink:title="usfr-fst_CashReceiptsPaymentsLoansMadeCustomers" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Loans Made to Customers</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_CashReceiptsPaymentsLoansMadeCustomers_link" xlink:title="usfr-fst_CashReceiptsPaymentsLoansMadeCustomers" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Cash Receipts and Payments - Loans Made to Customers</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CashReceiptsPaymentsDepositsWithOtherInstitutions" xlink:label="usfr-fst_CashReceiptsPaymentsDepositsWithOtherInstitutions" xlink:title="usfr-fst_CashReceiptsPaymentsDepositsWithOtherInstitutions" />
    <label xlink:type="resource" xlink:label="_usfr-fst_CashReceiptsPaymentsDepositsWithOtherInstitutions_link" xlink:title="usfr-fst_CashReceiptsPaymentsDepositsWithOtherInstitutions" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Deposits with Other Institutions</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_CashReceiptsPaymentsDepositsWithOtherInstitutions_link" xlink:title="usfr-fst_CashReceiptsPaymentsDepositsWithOtherInstitutions" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Cash Receipts and Payments - Deposits with Other Institutions</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CashPaymentsPurchasesSecurities" xlink:label="usfr-fst_CashPaymentsPurchasesSecurities" xlink:title="usfr-fst_CashPaymentsPurchasesSecurities" />
    <label xlink:type="resource" xlink:label="_usfr-fst_CashPaymentsPurchasesSecurities_link" xlink:title="usfr-fst_CashPaymentsPurchasesSecurities" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Cash Payments from Purchases of Securities</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_CashPaymentsPurchasesSecurities_link" xlink:title="usfr-fst_CashPaymentsPurchasesSecurities" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Cash Payments from Purchases of Securities</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CashPaymentsPurchaseOtherAssets" xlink:label="usfr-fst_CashPaymentsPurchaseOtherAssets" xlink:title="usfr-fst_CashPaymentsPurchaseOtherAssets" />
    <label xlink:type="resource" xlink:label="_usfr-fst_CashPaymentsPurchaseOtherAssets_link" xlink:title="usfr-fst_CashPaymentsPurchaseOtherAssets" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Cash Payments from Purchase of Other Assets</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_CashPaymentsPurchaseOtherAssets_link" xlink:title="usfr-fst_CashPaymentsPurchaseOtherAssets" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Cash Payments from Purchase of Other Assets</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CashPaymentsAcquisitionsSalesLoans" xlink:label="usfr-fst_CashPaymentsAcquisitionsSalesLoans" xlink:title="usfr-fst_CashPaymentsAcquisitionsSalesLoans" />
    <label xlink:type="resource" xlink:label="_usfr-fst_CashPaymentsAcquisitionsSalesLoans_link" xlink:title="usfr-fst_CashPaymentsAcquisitionsSalesLoans" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Cash Payments from Acquisitions and Sales of Loans</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_CashPaymentsAcquisitionsSalesLoans_link" xlink:title="usfr-fst_CashPaymentsAcquisitionsSalesLoans" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Cash Payments from Acquisitions and Sales of Loans</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CashCashEquivalentsCashDueBanks" xlink:label="usfr-fst_CashCashEquivalentsCashDueBanks" xlink:title="usfr-fst_CashCashEquivalentsCashDueBanks" />
    <label xlink:type="resource" xlink:label="_usfr-fst_CashCashEquivalentsCashDueBanks_link" xlink:title="usfr-fst_CashCashEquivalentsCashDueBanks" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Cash and Due from Banks</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_CashCashEquivalentsCashDueBanks_link" xlink:title="usfr-fst_CashCashEquivalentsCashDueBanks" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Cash and Cash Equivalents - Cash and Due from Banks</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CashCashEquivalentsAssets" xlink:label="usfr-fst_CashCashEquivalentsAssets" xlink:title="usfr-fst_CashCashEquivalentsAssets" />
    <label xlink:type="resource" xlink:label="_usfr-fst_CashCashEquivalentsAssets_link" xlink:title="usfr-fst_CashCashEquivalentsAssets" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Cash and Cash Equivalents</label>
    <label xlink:type="resource" xlink:label="_usfr-fst_CashCashEquivalentsAssets_link" xlink:title="usfr-fst_CashCashEquivalentsAssets" xlink:role="http://www.xbrl.org/linkprops/label/long" xml:lang="en">Cash and Cash Equivalents</label>
    <loc xlink:type="locator" xlink:href="usfr-fst-2003-07-07.xsd#usfr-fst_CapitalSecurities" xlink:label="usfr-fst_CapitalSecurities" xlink:title="usfr-fst_CapitalSecurities" />
    <label xlink:type="resource" xlink:label="_usfr-fst_CapitalSecurities_link" xlink:title="usfr-fst_CapitalSecurities" xlink:role="http://www.xbrl.org/linkprops/label/standard" xml:lang="en">Capital Securities</label>
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