The Bryan-College Station Financial Holding Company

In November 2001, The Bryan-College Station Financial Holding Company entered into a definitive agreement to merge into Texas United Bancshares, Inc. Texas United would exchange 0.31579 shares of its common stock for each share of Bryan-College's common stock outstanding, in a tax free exchange. The Bryan-College Station Financial Holding Company serves as a holding company for First Federal Savings Bank. The Bank is predominantly a residential mortgage lender, originating loans primarily in Bryan-College Station and the surrounding counties of Burleson, Grimes, Leon, Madison, Robertson, and Washington, which comprise its immediate trade area. To a lesser extent, First Federal also originates residential construction loans, Small Business Administration partially guaranteed loans, and small commercial real estate and small to medium commercial business loans. The Bank's sources of funds are deposit accounts, loan repayments, and cash flows generated from its overall operations.