Note: The following narratives are excerpts from banking articles published in 2002. Contact Melissa Garza for a complete copy.

Bank Profile

First State Bank

Clute, Texas

Contact: Robert Perryman, EVP

Phone: 979-265-2511

Assets $75MM

Marketing - T. Houston Technology Group

Bank Achieves 20% Customer Penetration in Ten Weeks

Most $75MM banks do not have 1,000 customers on Internet banking after three years, but to have that many customers in ten weeks is undoubtedly a new record.

Gene Pell, President and CEO, First State Bank, Clute, Texas, attributes the success to proper planning, enthusiastic employees and strong support from his marketing company, T. Houston Technology Group.

Bank Repeats Internet Success

Internet Statements -- 20% Penetration in 6 Weeks

Gene Pell, President and CEO, First State Bank, Clute, Texas is proud of what he calls, "A bank full of champions!" And he has a right to be proud of his employees -- especially after they broke all known records for rolling out Internet banking and Internet statement delivery. Starting in January 2002, they enrolled 1,022 customers on Internet Statement Delivery in six weeks.

I-statements are a top priority because of their annual savings:

Paper Statements $15.00

Internet Statements $1.20