text: **Services Offered by Our Subsidiary Banks**
  
  Each of our subsidiary banks is a separate legal entity that operates under the day-to-day management of its own 
  board of directors and officers. Each of our subsidiary banks provides general commercial banking services, which 
  include accepting and holding checking, savings and time deposits, making loans, automated teller machines, drive- 
  in and night deposit services, safe deposit facilities, transmitting funds, and performing other customary commercial 
  banking services. Certain of our subsidiary banks also administer pension plans, profit sharing plans and other 
  employee benefit plans. First National Bank of Abilene, First National Bank, Sweetwater, Stephenville Bank and 
  Trust Co. and San Angelo National Bank have active trust departments. The trust departments offer a complete 