text: • Eastland National Bank, Eastland, Texas; 
  • First Financial Bank, National Association, Cleburne, Texas; 
  • Stephenville Bank and Trust Co., Stephenville, Texas; 
  • San Angelo National Bank, San Angelo, Texas; 
  • Weatherford National Bank, Weatherford, Texas; 
  • First Financial Bank, National Association, Southlake, Texas; and 
  • City National Bank, Mineral Wells, Texas. 
  
  As described in more detail below, we elected to be treated as a financial holding company in September 2001. 
  
  Our service centers are located primarily in North Central and West Texas. Considering the branches and 
  locations of all our subsidiary banks, as of December 31, 2002, we had 28 financial centers across Texas, with seven 
  locations in Abilene, two locations in Cleburne, two locations in Stephenville, two locations in San Angelo, three 
  locations in Weatherford, and one location each in Mineral Wells, Hereford, Sweetwater, Eastland, Southlake, 
  Aledo, Alvarado, Burleson, Keller, Trophy Club, Roby, and Trent. 
  
  Information on our revenues, profits and losses and total assets appears in the discussion of our Results of 
  Operations contained in Item 7 hereof. 