<SUBMISSION>
<ACCESSION-NUMBER>0001206774-08-000269
<TYPE>8-K
<PUBLIC-DOCUMENT-COUNT>3
<PERIOD>20080205
<ITEMS>1.01
<ITEMS>7.01
<ITEMS>9.01
<FILING-DATE>20080206
<DATE-OF-FILING-DATE-CHANGE>20080206
<FILER>
<COMPANY-DATA>
<CONFORMED-NAME>ENTERPRISE FINANCIAL SERVICES CORP
<CIK>0001025835
<ASSIGNED-SIC>6022
<IRS-NUMBER>431706259
<STATE-OF-INCORPORATION>DE
<FISCAL-YEAR-END>0907
</COMPANY-DATA>
<FILING-VALUES>
<FORM-TYPE>8-K
<ACT>34
<FILE-NUMBER>001-15373
<FILM-NUMBER>08581150
</FILING-VALUES>
<BUSINESS-ADDRESS>
<STREET1>150 NORTH MERAMEC
<STREET2>150 NORTH MERAMEC
<CITY>CLAYTON
<STATE>MO
<ZIP>63105
<PHONE>3147255500
</BUSINESS-ADDRESS>
<MAIL-ADDRESS>
<STREET1>150 NORTH MERAMEC
<STREET2>150 NORTH MERAMEC
<CITY>CLAYTON
<STATE>MO
<ZIP>63105
</MAIL-ADDRESS>
<FORMER-COMPANY>
<FORMER-CONFORMED-NAME>ENTERBANK HOLDINGS INC
<DATE-CHANGED>19961024
</FORMER-COMPANY>
</FILER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>enterprise_8k.htm
<DESCRIPTION>CURRENT REPORT
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<P align=center><B><FONT face=serif size=5>UNITED STATES<BR></FONT></B><B><FONT face=serif size=5>SECURITIES AND EXCHANGE COMMISSION<BR></FONT></B><B><FONT face=serif>Washington, D.C. 20549</FONT></B><BR>&nbsp;</P>
<P align=center><B><FONT face=serif size=5>FORM 8-K</FONT></B></P>
<P align=center><B><FONT face=serif>CURRENT REPORT</FONT></B></P>
<P align=center><B><FONT face=serif>Pursuant to Section 13 or 15(d) of
<BR></FONT></B><B><FONT face=serif>the Securities Exchange Act of
1934</FONT></B><FONT face=serif></FONT></P>
<P align=center><FONT face=serif size=2><STRONG>Date of Report (Date of earliest
event reported) <BR>February 5, 2008</STRONG></FONT></P>
<P align=center><B><FONT face=serif size=6>ENTERPRISE FINANCIAL SERVICES
<BR>CORP <BR></FONT></B><B><FONT face=serif size=1>(Exact name of registrant as
specified in its charter)</FONT></B></P>
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    <TD noWrap align=center width="33%"><FONT size=2><STRONG>Delaware</STRONG></FONT><FONT size=3>&nbsp;</FONT></TD>
    <TD noWrap align=center width="33%"><FONT size=2><STRONG>001-15373</STRONG></FONT><FONT size=3>&nbsp;</FONT></TD>
    <TD noWrap align=center width="33%"><FONT size=2><STRONG>43-1706259</STRONG></FONT><FONT size=3>&nbsp;</FONT></TD></TR>
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    <TD noWrap align=center width="33%"><FONT face=serif><STRONG><FONT size=1>(State or Other Jurisdiction of <BR><FONT face=serif>Incorporation)</FONT></FONT></STRONG></FONT></TD>
    <TD noWrap align=center width="33%"><STRONG><FONT size=1>(Commission File
      Number)</FONT></STRONG></TD>
    <TD noWrap align=center width="33%"><FONT face=serif><STRONG><FONT face=serif size=1>(IRS Employer Identification
    No.)</FONT></STRONG></FONT></TD></TR></TABLE><BR>
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    <TD noWrap align=center width="70%"><FONT face=serif><FONT size=2><STRONG>150 N. Meramec, St. Louis, Missouri</STRONG></FONT><FONT size=3>&nbsp;</FONT></FONT></TD>
    <TD noWrap align=center width="29%"><FONT face=serif size=2><STRONG>63105</STRONG><FONT size=3>&nbsp;</FONT></FONT></TD></TR>
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    <TD noWrap align=center width="70%"><FONT face=serif size=2><STRONG><FONT size=1>(Address of principal executive
    offices)</FONT></STRONG></FONT>&nbsp;</TD>
    <TD noWrap align=center width="29%"><FONT face=serif size=1><STRONG>(Zip
      Code)</STRONG></FONT>&nbsp;</TD></TR></TABLE><BR>
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    <TD noWrap align=center width="99%"><FONT face=serif size=2><STRONG>Registrant&#146;s telephone number, including area
      code</STRONG></FONT>&nbsp;</TD></TR>
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    <TD noWrap align=center width="99%"><B><FONT face=serif size=2>(314)
      725-5500</FONT></B>&nbsp;</TD></TR>
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    <TD width="99%">&nbsp;&nbsp; </TD></TR>
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    <TD style="BORDER-BOTTOM: #000000 1pt solid" align=center width="99%"><FONT face=serif size=2><STRONG>Not applicable<BR></STRONG><FONT size=3>&nbsp;</FONT></FONT></TD></TR>
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    <TD noWrap align=center width="99%"><B><FONT face=serif size=1>(Former
      name or former address, if changed since last
  report)</FONT></B>&nbsp;</TD></TR></TABLE></DIV><BR>
<P align=justify><FONT face=serif size=2>Check the appropriate box below if the
Form 8-K filing is intended to simultaneously satisfy the filing obligation of
the registrant under any of the following provisions:</FONT></P>
<P align=justify><FONT face=serif size=2><FONT face=Wingdings>o</FONT>&nbsp;&nbsp;&nbsp; Written communications pursuant to
Rule 425 under the Securities Act (17 CFR 230.425)</FONT></P>
<P align=justify><B><FONT face=serif size=2></FONT></B><FONT face=serif size=2><FONT face=Wingdings>o</FONT><FONT face="Times New Roman">&nbsp;&nbsp;&nbsp; Soliciting material pursuant to Rule
14a-12 under the Exchange Act (17 CFR 240.14a-12)</FONT></FONT></P>
<P align=justify><B><FONT size=2></FONT></B><FONT size=2><FONT face=Wingdings>o</FONT>&nbsp;&nbsp;&nbsp; Pre-commencement communications
pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR
240.14d-2(b))</FONT></P>
<P align=justify><B><FONT size=2></FONT></B><FONT size=2><FONT face=Wingdings>o</FONT>&nbsp;&nbsp;&nbsp; Pre-commencement communications
pursuant to Rule 13e-4&#169; under the Exchange Act (17 CFR 240.13e-4(c))</FONT></P>
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    <TD style="BORDER-TOP: #000000 1.5pt solid" width="100%">&nbsp;</TD></TR></TABLE><BR>
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<P align=justify><B><FONT face=serif size=2>Item 1.01 Entry into Material
Definitive Agreement.</FONT></B><FONT face=serif> </FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>On February 5, 2008, Enterprise
Financial Services Corp (&#147;EFSC&#148;) entered into a Stock Purchase Agreement (the
&#147;Stock Purchase Agreement&#148;) with First Financial Bancshares, Inc. (&#147;First
Financial&#148;), pursuant to which First Financial will purchase all of the
outstanding common stock (the &#147;Bank Stock&#148;) of the Great American Bank of De
Soto, Kansas (the &#147;Bank&#148;), a wholly owned subsidiary of EFSC, from EFSC. The
base purchase price of $6,500,000 will be reduced if the book value of the
Bank&#146;s assets or the Bank&#146;s allowance for loan and lease losses fall below
certain levels indicated in the Stock Purchase Agreement at the closing of the
sale of the Bank Stock. EFSC and First Financial intend to close the sale of the
Bank Stock as soon as practicable after the required governmental approvals are
obtained, and in no event later than September 30, 2008.</FONT></P>
<P align=justify>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>The Stock
Purchase Agreement prohibits EFSC and its subsidiaries, including Enterprise
Bank &amp; Trust (&#147;EBT&#148;) from operating any financial institution or branch
office within 3.5 miles of the Bank&#146;s current location in De Soto, Kansas, and
from soliciting any Bank employees, customers, vendors or suppliers. These
restrictions will continue for five years after the closing of the sale of the
Bank Stock. The Stock Purchase Agreement includes customary representations and
warranties by the parties and contains customary conditions to closing,
including the requirement that all necessary governmental approvals be obtained.
The Stock Purchase Agreement can be terminated by mutual consent, or by either
party upon the occurrence of certain events.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>In connection with the Stock
Purchase Agreement, EBT will purchase the Bank&#146;s assets related to its Claycomo,
Missouri branch (the &#147;Claycomo Assets&#148;), and the Bank&#146;s intangible assets and
will assume the Bank&#146;s liabilities related to the Claycomo Assets. The sale of
the Claycomo Assets is also subject to regulatory approval, and will occur
immediately prior to the sale of the Bank Stock.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>This proposed transaction, combined
with the proposed sale of the Liberty, Missouri branch of EBT (to a different
buyer) is expected to result in an after tax gain of $.06 - $.08 per share to
EFSC, including nondeductible writedowns of certain intangible assets connected
with these branches&#146; assets and liabilities.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>The foregoing description of the
Stock Purchase Agreement is qualified in its entirety by reference to the Stock
Purchase Agreement, a copy of which is attached as Exhibit 2.1, and incorporated
herein by reference.</FONT></P>
<P align=justify><B><FONT face=serif size=2>Item 7.01 Regulation FD
Disclosure.</FONT></B><FONT face=serif size=2> </FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>On February 6, 2008, the Company
issued a press release announcing the execution of the Stock Purchase Agreement.
A copy of the press release is attached hereto as Exhibit 99.1 and is
incorporated herein by reference.</FONT></P>
<P align=justify><B><FONT face=serif size=2>9.01 Financial Statements and
Exhibits.</FONT></B><FONT face=serif> </FONT></P>
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    <TD vAlign=top noWrap><FONT face=serif size=2>(a)</FONT></TD>
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    <TD vAlign=top width="100%" colSpan=3><FONT face=serif size=2>Not
      applicable.</FONT></TD></TR>
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    <TD vAlign=top width="100%" colSpan=5>&nbsp;</TD></TR>
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    <TD vAlign=top noWrap><FONT face=serif size=2>(b)</FONT></TD>
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    <TD vAlign=top width="100%" colSpan=3><FONT face=serif size=2>Not
      applicable.</FONT></TD></TR>
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    <TD vAlign=top width="100%" colSpan=5>&nbsp;</TD></TR>
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    <TD vAlign=top noWrap><FONT face=serif size=2>(c)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%" colSpan=3><FONT face=serif size=2>Not
      applicable.</FONT></TD></TR>
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    <TD vAlign=top width="100%" colSpan=5>&nbsp;</TD></TR>
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    <TD vAlign=top noWrap><FONT face=serif size=2>(d)</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%" colSpan=3><FONT face=serif size=2>Exhibits.</FONT></TD></TR>
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    <TD vAlign=top width="100%" colSpan=5>&nbsp;</TD></TR>
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    <TD vAlign=top noWrap>&nbsp;</TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>2.1</FONT></TD>
    <TD vAlign=top noWrap>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Stock Purchase
      Agreement, dated February 5, 2008, by and between EFSC and First
      Financial.</FONT></TD></TR>
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    <TD vAlign=top width="100%" colSpan=5>&nbsp;</TD></TR>
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    <TD vAlign=top noWrap>&nbsp;</TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top noWrap><FONT face=serif size=2>99.1</FONT></TD>
    <TD vAlign=top noWrap></TD>
    <TD vAlign=top width="100%"><FONT face=serif size=2>Text of Press Release,
      dated February 6, 2008.</FONT></TD></TR>
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    <TD width="100%" colSpan=5>&nbsp;</TD></TR></TABLE>
<P align=center><FONT face=serif size=2>2</FONT></P>
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<P align=center><B><FONT face=serif size=2>SIGNATURES</FONT></B><FONT face=serif> </FONT></P>
<P align=justify><FONT face=serif size=2>Pursuant to the requirements of the
Securities Exchange Act of 1934, the registrant has duly caused this report to
be signed on its behalf by the undersigned thereunto duly authorized.</FONT></P>
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    <TD noWrap align=left width="49%">&nbsp; </TD>
    <TD noWrap align=left width="50%" colSpan=3><FONT face=serif size=2>ENTERPRISE FINANCIAL SERVICES</FONT>&nbsp; </TD></TR>
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    <TD noWrap align=left width="49%">&nbsp; </TD>
    <TD noWrap align=left width="50%" colSpan=3><FONT face=serif size=2>CORP</FONT>&nbsp; </TD></TR>
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    <TD width="99%" colSpan=4>&nbsp; </TD></TR>
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    <TD noWrap align=left width="49%"><FONT face=serif size=2>Date:<FONT size=3>&nbsp;</FONT>February 6, 2008</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>By:</FONT>&nbsp; </TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="24%"><FONT face=serif size=2>/s/ Kevin C. Eichner</FONT>&nbsp; </TD>
    <TD noWrap align=left width="24%">&nbsp;</TD></TR>
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    <TD noWrap align=left width="49%">&nbsp; </TD>
    <TD noWrap align=left width="2%">&nbsp;</TD>
    <TD noWrap align=left width="48%" colSpan=2><FONT face=serif size=2>Kevin
      C. Eichner</FONT>&nbsp; </TD></TR>
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    <TD noWrap align=left width="49%">&nbsp; </TD>
    <TD noWrap align=left width="2%">&nbsp; </TD>
    <TD noWrap align=left width="48%" colSpan=2><FONT face=serif size=2>Chief
      Executive Officer</FONT>&nbsp; </TD></TR></TABLE><BR>
<P align=center><FONT face=serif size=2>3</FONT></P>
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<DOCUMENT>
<TYPE>EX-2.1
<SEQUENCE>2
<FILENAME>exhibit2-1.htm
<DESCRIPTION>STOCK PURCHASE AGREEMENT, DATED FEBRUARY 5, 2008
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<P align=right><B><FONT face=serif size=2>EXHIBIT 2.1 </FONT></B></P>
<P align=center>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2> </FONT></P>
<P align=center>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<FONT face=serif size=2>PURCHASE
AGREEMENT </FONT></P>
<P align=center><FONT face=serif size=2>between </FONT></P>
<P align=center><FONT face=serif size=2>FIRST FINANCIAL BANCSHARES, INC.
</FONT></P>
<P align=center><FONT face=serif size=2>and </FONT></P>
<P align=center><FONT face=serif size=2>ENTERPRISE FINANCIAL SERVICES CORP
</FONT></P>
<P align=center>&nbsp;</P>
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<P align=center><B><FONT face=serif size=2>TABLE OF CONTENTS </FONT></B></P>
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    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=4><B><FONT face=serif size=2>ARTICLE 1</FONT></B>&nbsp; &nbsp;&nbsp; <B><FONT face=serif size=2>PURCHASE OF BANK STOCK</FONT></B>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><B><FONT face=serif size=2>1</FONT></B>&nbsp; </TD></TR>
  <TR>
    <TD width="1%">&nbsp;&nbsp;&nbsp;&nbsp; </TD>
    <TD width="98%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>1.1</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Sale and Purchase of Bank Stock</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>1</FONT>&nbsp; </TD></TR>
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    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>1.2</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Bank Stock
      Consideration</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>1</FONT>&nbsp;
    </TD></TR>
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    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>1.3</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Purchase Consideration Adjustment</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>1</FONT>&nbsp; </TD></TR>
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    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>1.4</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%">&nbsp;</TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Real
      Estate</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>2</FONT>&nbsp;
    </TD></TR>
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    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>1.5</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Closing</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>2</FONT>&nbsp; </TD></TR>
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    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>1.6</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Intentionally
      Omitted</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>3</FONT>&nbsp;
    </TD></TR>
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    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>1.7</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Due Diligence</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>3</FONT>&nbsp; </TD></TR>
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    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>1.8</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Bank Dividends
      and Distributions</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>3</FONT>&nbsp;
    </TD></TR>
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    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>1.9</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Tax Considerations</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>3</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>1.10</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>VFW
      Loan</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>4</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>1.11</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Seller&#146;s Non Compete Agreement</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>4</FONT>&nbsp; </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="98%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=4><B><FONT face=serif size=2>ARTICLE II</FONT></B>&nbsp;&nbsp;&nbsp;&nbsp; <B><FONT face=serif size=2>DEFINITIONS</FONT></B>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><B><FONT face=serif size=2>5</FONT></B>&nbsp; </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="98%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>2.1</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Allowance for Loan and Lease Losses (ALLL)</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>5</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>2.2</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Bank</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>5</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>2.3</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Bank Capital</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>5</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>2.4</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Bank Holding
      Company Act (BHC Act)</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>5</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>2.5</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Bank Stock</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>5</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>2.6</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Closing
      Date</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>5</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>2.7</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Material Adverse Effect</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>6</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>2.8</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Property</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>6</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>2.9</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Interpretation</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>6</FONT>&nbsp; </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="98%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=4><FONT face=serif size=2><STRONG>ARTICLE III</STRONG><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp; </FONT><STRONG>REPRESENTATIONS AND
      WARRANTIES OF BUYER</STRONG></FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><B><FONT face=serif size=2>6</FONT></B>&nbsp; </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="98%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>3.1</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Organization and Authority</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>6</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>3.2</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Valid and
      Binding Agreement; No Violation</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>6</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>3.3</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Governmental Regulation</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>7</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>3.4</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Brokers</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>7</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>3.5</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Securities Law Matters</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>7</FONT>&nbsp; </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="98%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=4><FONT face=serif size=2><STRONG>ARTICLE IV</STRONG><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp; </FONT><STRONG>REPRESENTATIONS AND
      WARRANTIES OF SELLER</STRONG></FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><B><FONT face=serif size=2>7</FONT></B>&nbsp; </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="98%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>4.1</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Organization and Good Standing</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>7</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>4.2</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Valid and
      Binding Agreement; Non-Contravention</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>8</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>4.3</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Capitalization; Ownership</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>8</FONT>&nbsp; </TD></TR></TABLE><BR>
<P align=center><FONT face=serif size=2>i </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE><BR>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>4.4</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Government Regulation; Environmental</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>9</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>4.5</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Litigation</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>9</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>4.6</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Title to Assets</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>9</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>4.7</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Undisclosed
      Liabilities</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>10</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>4.8</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Taxes</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>10</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>4.9</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Material
      Contracts</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>10</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>4.10</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Conduct</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>11</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>4.11</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Income
      Taxes</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>12</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>4.12</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Employee Benefit Plans</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>12</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%">&nbsp;</TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>4.13</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%">&nbsp;</TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Information
      Supplied</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>12</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>4.14</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Defaults</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>12</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>4.15</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Brokers</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>13</FONT>&nbsp;
    </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="98%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=4><B><FONT face=serif size=2>ARTICLE V</FONT></B>&nbsp;&nbsp;&nbsp;&nbsp; <B><FONT face=serif size=2>COVENANTS OF SELLER</FONT></B>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><B><FONT face=serif size=2>13</FONT></B>&nbsp; </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="98%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>5.1</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Conduct of Business until Closing Date</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>13</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>5.2</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Regulatory
      Approvals</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>14</FONT>&nbsp;
    </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="98%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=4><FONT face=serif size=2><STRONG>ARTICLE VI</STRONG><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp; </FONT><STRONG>COVENANTS OF
      BUYER</STRONG></FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><B><FONT face=serif size=2>14</FONT></B>&nbsp; </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="98%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>6.1</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Regulatory Approvals</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>14</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>6.2</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Confidentiality</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>15</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>6.3</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Information</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>15</FONT>&nbsp; </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="98%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=4><FONT face=serif size=2><STRONG>ARTICLE VII</STRONG><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp; </FONT><STRONG>CONDITIONS PRECEDENT TO
      OBLIGATIONS OF BUYER</STRONG></FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><B><FONT face=serif size=2>15</FONT></B>&nbsp; </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="98%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>7.1</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Representations, Warranties and Covenants</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>15</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>7.2</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Adverse
      Changes</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>15</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>7.3</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Regulatory Authority Approvals and Stock Issue</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>16</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>7.4</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Litigation</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>16</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>7.5</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Resignations</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>16</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>7.6</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Great American
      Bank Intellectual Properties</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>16</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>7.7</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>FifthThird Agreement</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>16</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>7.8</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>FHLB
      Loans</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>16</FONT>&nbsp;
    </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="98%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=4><FONT face=serif size=2><STRONG>ARTICLE VIII</STRONG><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp; </FONT><STRONG>CONDITIONS PRECEDENT TO
      OBLIGATIONS OF SELLER</STRONG></FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><B><FONT face=serif size=2>17</FONT></B>&nbsp; </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="98%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>8.1</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Representations, Warranties and Covenants</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>17</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>8.2</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Regulatory
      Authority Approvals</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>17</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>8.3</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Litigation</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>17</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>8.4</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Severance
      Payments</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>17</FONT>&nbsp;
    </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="98%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="96%" bgColor=#c0c0c0 colSpan=4><FONT face=serif size=2><STRONG>ARTICLE IX</STRONG><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp; </FONT><STRONG>REMEDIES; POST CLOSING
      INDEMNIFICATION</STRONG></FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><B><FONT face=serif size=2>17</FONT></B>&nbsp; </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="98%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>9.1</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Remedies</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>17</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="2%"><FONT face=serif size=2>9.2</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="2%"></TD>
    <TD noWrap align=left width="91%"><FONT face=serif size=2>Seller
      Indemnification</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%"><FONT face=serif size=2>18</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0><FONT face=serif size=2>9.3</FONT>&nbsp; </TD>
    <TD noWrap align=left width="2%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="91%" bgColor=#c0c0c0><FONT face=serif size=2>Buyer Indemnification</FONT>&nbsp; </TD>
    <TD noWrap align=right width="3%" bgColor=#c0c0c0><FONT face=serif size=2>18</FONT>&nbsp; </TD></TR></TABLE><BR>
<P align=center><FONT face=serif>ii </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE><BR>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>9.4</FONT>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</TD>
    <TD noWrap align=left width="92%" bgColor=#c0c0c0><FONT face=serif size=2>Limitations</FONT>&nbsp; </TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face=serif size=2>19</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>9.5</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="92%"><FONT face=serif size=2>Third Party
      Claims</FONT>&nbsp; </TD>
    <TD noWrap align=right width="5%"><FONT face=serif size=2>19</FONT>&nbsp;
    </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="99%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="95%" bgColor=#c0c0c0 colSpan=4><B><FONT face=serif size=2>ARTICLE X</FONT></B>&nbsp;&nbsp;&nbsp;&nbsp; <B><FONT face=serif size=2>TERMINATION OF AGREEMENT</FONT></B>&nbsp; </TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><B><FONT face=serif size=2>20</FONT></B>&nbsp; </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="99%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>10.1</FONT>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="92%" bgColor=#c0c0c0><FONT face=serif size=2>Basis for Termination</FONT>&nbsp; </TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face=serif size=2>20</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>10.2</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="92%"><FONT face=serif size=2>Extension;
      Waiver</FONT>&nbsp; </TD>
    <TD noWrap align=right width="5%"><FONT face=serif size=2>21</FONT>&nbsp;
    </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="99%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="95%" bgColor=#c0c0c0 colSpan=4><FONT face=serif size=2><STRONG>ARTICLE XI</STRONG><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;
      </FONT><STRONG>MISCELLANEOUS</STRONG></FONT>&nbsp; </TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><B><FONT face=serif size=2>21</FONT></B>&nbsp; </TD></TR>
  <TR>
    <TD width="1%"></TD>
    <TD width="99%" colSpan=4>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>11.1</FONT>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="92%" bgColor=#c0c0c0><FONT face=serif size=2>Parties in Interest</FONT>&nbsp; </TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face=serif size=2>21</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>11.2</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="92%"><FONT face=serif size=2>Entire
      Agreement, Amendments</FONT>&nbsp; </TD>
    <TD noWrap align=right width="5%"><FONT face=serif size=2>21</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>11.3</FONT>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0>&nbsp;</TD>
    <TD noWrap align=left width="92%" bgColor=#c0c0c0><FONT face=serif size=2>Notices</FONT>&nbsp; </TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face=serif size=2>21</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>11.4</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="92%"><FONT face=serif size=2>Law
      Governing</FONT>&nbsp; </TD>
    <TD noWrap align=right width="5%"><FONT face=serif size=2>22</FONT>&nbsp;
    </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0><FONT face=serif size=2>11.5</FONT>&nbsp; </TD>
    <TD noWrap align=left width="1%" bgColor=#c0c0c0></TD>
    <TD noWrap align=left width="92%" bgColor=#c0c0c0><FONT face=serif size=2>Further Acts</FONT>&nbsp; </TD>
    <TD noWrap align=right width="5%" bgColor=#c0c0c0><FONT face=serif size=2>22</FONT>&nbsp; </TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="1%"><FONT face=serif size=2>11.6</FONT>&nbsp;
    </TD>
    <TD noWrap align=left width="1%"></TD>
    <TD noWrap align=left width="92%"><FONT face=serif size=2>Assignment</FONT>&nbsp; </TD>
    <TD noWrap align=right width="5%"><FONT face=serif size=2>22</FONT>&nbsp;
    </TD></TR></TABLE><BR>
<P align=center><FONT face=serif>iii </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=right><B><FONT face=serif size=2>EXHIBIT 2.1 </FONT></B></P>
<P align=center><FONT face=serif size=2>STOCK PURCHASE AGREEMENT </FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>This Stock Purchase Agreement
(Agreement) is effective as of February 5, 2008, by and between First Financial
Bancshares, Inc., a Kansas corporation, (Buyer), and Enterprise Financial
Services Corp, a Delaware corporation, (Seller).</FONT></P>
<P align=center><FONT face=serif size=2>W I T N E S S E T H: </FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>WHEREAS, Seller is a bank holding
company within the meaning of the Bank Holding Company Act of 1956, as amended,
and owner of all of the issued and outstanding shares of common stock (the Bank
Stock) of the Great American Bank of De Soto, Kansas (the Bank); and</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>WHEREAS, Seller desires to sell all
of the Bank Stock to Buyer for the consideration and upon the terms and subject
to the conditions set forth in this Agreement; and</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>WHEREAS, Buyer desires to purchase
from Seller all of the Bank Stock for the consideration and upon the terms and
subject to the conditions set forth in this Agreement; and</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>NOW, THEREFORE, in consideration of
the premises and the mutual covenants and agreements herein contained, the
parties hereby agree as follows:</FONT></P>
<P align=center><FONT face=serif size=2>ARTICLE I </FONT></P>
<P align=center><FONT face=serif size=2>PURCHASE OF BANK STOCK</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>1.1 Sale and Purchase of Bank Stock.
Seller agrees to sell, transfer and deliver the Bank Stock to Buyer, and Buyer
agrees to purchase, acquire and accept the Bank Stock from Seller, all upon the
terms and subject to the conditions set forth in this Agreement.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>1.2 Bank Stock Consideration. The
purchase price for the Bank Stock shall be $6,500,000, or such lesser amount as
adjusted by the Purchase Consideration Adjustment procedures as set forth below
in Section 1.3 below.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>1.3 Purchase Consideration
Adjustment. The purchase price shall be reduced by the amount, if any (the
Purchase Consideration Adjustment) that: 2.6 times the amount that Bank Capital
at Closing is less than $2,500,000; and 2.6 times the amount that the Allowance
for Loan and Lease Losses (ALLL) is less than 1% of the Bank&#146;s loan balance at
Closing.</FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>1.4 Real Estate. The Bank owns land
(the Property) located at the site of the Bank at 33050 W. 83</FONT><SUP><FONT face=serif size=2>rd</FONT></SUP><FONT face=serif size=2> St. in De Soto, Kansas
66018 in Johnson County, Kansas, and real estate improvements, a bank building,
banking furniture, fixtures and equipment and other property located on the
Property. For purposes of computing the Bank Capital, the Property shall be
assigned an amount equal to $1,545,931.13 less normal and customary depreciation
through Closing. Seller will provide the Buyer with true and correct copies of
all existing title policies related to the Property. As part of its due
diligence, the Buyer may obtain, at its cost, a preliminary title report from
the Seller&#146;s title company or another title company with respect to the
Property. If Buyer objects to any encumbrance in such title report, it may
notify the Seller of such objections on or before February 28, 2008. If Buyer
delivers such notice, the Seller shall have 10 business days after its receipt
of such notice from Buyer to inform the Buyer that Seller wishes to terminate
this Agreement or that Seller will cause such encumbrances to be removed or
cured. </FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>1.5 Closing.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(a) Regulatory Filing Requirements.
Buyer shall file regulatory applications requesting approval for acquisition of
the Bank with all required bank regulatory agencies needed to transfer the Bank
from the Seller to the Buyer which may include: the Federal Deposit Insurance
Corporation; the Kansas Office of the State Bank Commissioner; Board of
Governors of the Federal Reserve; and Missouri Division of Finance
(collectively, the Regulatory Applications), on or before 30 days after the last
party has signed this Agreement. If the Regulatory Applications are not filed on
or before March 31, 2008, Seller may rescind and void this Agreement with no
further obligations being due Buyer from Seller under this Agreement. The
Regulatory Applications are considered to have been timely filed when it is
filed with the Federal Reserve Board of the Kansas City region, since Buyer
believes that regulatory agency will be the primary regulator. Any other
applications to the FDIC, Kansas or Missouri, or copies of the Federal Reserve
application will be submitted within a reasonable time after the Federal Reserve
application has been submitted. To the extent permitted by law, and except for
the acquisition of the Claycomo branch by the Seller, as contemplated by this
Agreement, the Seller has agreed to cooperate and not take any actions to delay
or deny the Buyer from requesting approval of authority to exercise Missouri
branching rights from the Missouri Division of Finance.</FONT></P>
<P align=center><FONT face=serif size=2>2 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(b) Final Closing. The parties
intend to close the transaction as soon as practicable after receipt of all
required regulatory approvals, and in no event later than July 31, 2008, unless
the parties agree to extend that date. If the required regulatory approvals have
not been obtained by July 31, 2008 and Buyer has used best efforts to obtain
such approvals (including filing the Regulatory Applications on or before March
31, 2008, responding in a timely fashion to all regulatory requests for
additional information, and complying with all provisions of Section 1.5(a)),
the parties agree to close the transaction as soon as practicable after receipt
of all required regulatory approvals, and in no event later than September 30,
2008.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>1.6 Intentionally
Omitted.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>1.7 Due Diligence. The Buyer has
conducted its initial due diligence, but may conduct additional due diligence,
on reasonable advance notice to Seller, between the final execution of this
Agreement and the Closing in order to confirm that the assets, deposits, total
capital and other accounts are in existence and at the levels and amounts
contemplated by this Agreement, or within reasonable variances, for 45 days
after the date of this Agreement. In no event, as part of such diligence or
otherwise, shall Buyer or its employees, officers, directors, agents or
affiliates contact any Bank customer, supplier or employee without the Seller&#146;s
prior written consent. </FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>1.8 Bank Dividends and
Distributions. The Bank may make dividends and distributions as long as the
Purchase Consideration Adjustment required under Section 1.3 is made at Closing.
</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>1.9 Tax Considerations. The Buyer
and Seller agree that the Buyer will structure this transaction as a Section
338(h)(10) election whereby the stock purchase is treated as an asset purchase
for purposes of the Internal Revenue Code. In that regard, Seller agrees to use
its best efforts to cooperate in signing or executing any elections necessary to
enable Buyer to make such Section 338(h)(10) election, or to have the benefit of
same due to Seller&#146;s execution of said election. The parties will use their best
efforts to agree upon the allocation of the purchase price under Section 338 and
the related regulations for all federal income tax purposes, provided that if
the parties cannot so agree within 30 days after the Closing Date, each shall be
free to determine its own allocation and neither shall be bound by any partial
or preceding agreement. The Seller will assist in the preparation of the final
income tax return or short period return of the Bank provided that Buyer
provides access to all information and records necessary for such return. Seller
will pay or accrue all taxes attributable to the period ending on the Closing
Date and all prior taxable year ends. The Seller and Buyer will cooperate in
making the Section 338(h)(10) election on the short period return or any other
tax return wherein the Section 338(h)(10) election in properly made. If they
have agreed on the allocation of the purchase price, all such tax returns shall
be made in accordance with such allocation and neither shall take any position
inconsistent with such allocation.</FONT></P>
<P align=center><FONT face=serif size=2>3 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>1.10 VFW Loans. The Seller has
agreed to cause a bank or other qualified lender of its parent corporation or
other affiliates to purchase a 75% participation in the two VFW Loans (loan
numbers 4019224 and 4132365) included as part of the $3,500,000 in total loans
of the Bank.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>1.11 Seller&#146;s Non Compete
Agreement.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(a) Opening of Financial
Institutions. Seller and Seller&#146;s subsidiaries are prohibited from opening or
operating, directly or indirectly, financial institutions or branches within a
3.5-mile radius of the current Bank location in De Soto, Kansas after the
execution of this Agreement and for a period of 5 years from the Closing.
Financial institutions and branches shall also be defined to include cash
machines, automated teller machines and loan production offices or similar
operations or facilities.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(b) Non-Solicitation. From the
execution of this Agreement and through 5 years following the Closing, Seller
and Seller&#146;s subsidiaries will not directly or indirectly through another
business or person, solicit, entice away, or otherwise knowingly interfere with
any employee, customer, vendor, supplier or other similar business relation, or,
to Seller&#146;s knowledge, a prospective vendor, prospective customer or other
prospective business relation of Buyer or the Bank.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(c) Employee Affiliates. To the
extent required by existing agreements with the Seller or Seller&#146;s subsidiaries,
Seller&#146;s affiliates and stockholders owning more than 5% of Seller&#146;s stock, and
executive officers and directors, or family members of any such persons, working
for such entities, including the Seller&#146;s subsidiaries and affiliates will be
bound by the provisions of Sections 1.11(a) and (b).</FONT></P>
<P align=center><FONT face=serif size=2>4 </FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<P align=center><FONT face=serif size=2>ARTICLE II </FONT></P>
<P align=center><FONT face=serif size=2>DEFINITIONS</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>2.1 Allowance for Loan and Lease
Losses (ALLL). The ALLL shall be defined as that term is defined for banks by
FDIC rules and regulations.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>2.2 Bank. The Bank means the Great
American Bank located in Johnson County located in De Soto, Kansas, which is a
Kansas domestic banking corporation.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>2.3 Bank Capital. Bank Capital means
the book value of the Bank determined in accordance with GAAP, as illustrated on
</FONT><U><FONT face=serif size=2>Schedule 1.3</FONT></U><FONT face=serif size=2>. The only assets and liabilities of the Bank at Closing and used to
compute Bank Capital will be those classes of assets and liabilities set forth
on the attached </FONT><U><FONT face=serif size=2>Schedule 1.3</FONT></U><FONT face=serif size=2>. </FONT><U><FONT face=serif size=2>Schedule
2.3</FONT></U><FONT face=serif size=2> lists the securities that, at Closing,
will be pledged for those public funds/deposits which require pledged
securities. The Buyer shall have 5 days after the date of this Agreement for due
diligence to verify the quality and fair market value of such pledged
securities. If the Buyer objects to any such securities, the Seller shall have 5
days after receipt of written notice of Buyer's objection to provide cash or
other securities meeting Buyer's approval, which shall not be unreasonably
withheld.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>2.4 Bank Holding Company Act (BHC
Act). The BHC Act is the Bank Holding Company Act of 1956, as amended from time
to time and through the date of Closing.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>2.5 Bank Stock. Bank Stock means
100% of all equity or capital stock of the Great American Bank. Seller warrants
there is only one class of said Bank Stock outstanding, which is voting common
stock.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>2.6 Closing Date. Closing Date means
the date of the Closing as defined in this Agreement.</FONT></P>
<P align=center><FONT face=serif size=2>5 </FONT></P>
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<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>2.7 Material Adverse Effect.
Material Adverse Effect means any event, change or effect that is materially
adverse to the business, assets, liabilities, condition (financial or
otherwise), or results of operations of the Bank, taken as a whole, but shall
not include (a) the impact of any changes in banking and similar laws of general
applicability or interpretations thereof by courts or governmental authorities,
(b) changes in GAAP or regulatory accounting requirements applicable to banks or
bank holding companies generally, (c) changes in general levels of interest
rates or conditions or circumstances that affect the banking industry generally,
or (d) commencement of a war, armed hostilities or terrorism directly or
indirectly involving the United States of America.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>2.8 Property. Property has the
meaning defined in the Agreement.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>2.9 Interpretation. If any
definition or term in this Agreement is the subject of a disagreement or
potential litigation between the parties, resolution of the definitions and
interpretations will be resolved by referring to the rules, regulations and
guidelines of the FDIC.</FONT></P>
<P align=center><FONT face=serif size=2>ARTICLE III</FONT></P>
<P align=center><FONT face=serif size=2>REPRESENTATIONS AND WARRANTIES OF
BUYER</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>3.1 Organization and Authority.
Buyer is a corporation duly organized, validly existing and in good standing
under the laws of the State of Kansas and will, as soon as practicable after the
execution of this Agreement, file its application to acquire the Bank under the
provisions of the Bank Holding Company Act of 1956, as amended. Buyer has the
corporate power to enter into and perform this Agreement, and the execution,
delivery and performance of this Agreement and the consummation of all of the
transactions contemplated hereby by Buyer have been duly and fully authorized by
its Board of Directors. </FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>3.2 Valid and Binding Agreement; No
Violation. This Agreement has been duly and validly executed and delivered by
Buyer and constitutes a valid and binding agreement of Buyer enforceable against
Buyer in accordance with its terms, except as limited by applicable bankruptcy,
insolvency or other laws affecting the enforcement of creditors&#146; rights
generally. Neither Buyer&#146;s execution and delivery of this Agreement nor the
consummation of the transactions contemplated hereby violates, constitutes a
breach of or default under, or conflicts with the Articles of Incorporation or
Bylaws of Buyer or any agreement, law, regulation, order, judgment or other
restriction of any kind or character to which Buyer is a party or by which it or
any of its properties is bound. </FONT></P>
<P align=center><FONT face=serif size=2>6 </FONT></P>
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<PAGE>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>3.3 Governmental Regulation. Buyer
has obtained all approvals and holds all licenses, certificates, permits,
franchises and rights from all appropriate federal, state or other public
authorities necessary for the lawful conduct of its business and ownership of
its properties. Buyer has complied in all material respects with all federal,
state and local laws, statutes, regulations, ordinances and rules applicable to
it, to the conduct of its business or to the ownership of its properties. Buyer
is not aware of any reason why the approvals required for its purchase of the
Bank Stock will not be received in a timely manner and without the imposition of
a condition, restriction or requirement that is unacceptable to Buyer or
Seller.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>3.4 Brokers. There is no broker,
finder or other person or entity that would have any valid claim against Buyer
for a commission or brokerage fee arising out of or in connection with any of
the transactions contemplated by this Agreement. Seller is responsible for any
brokerage commissions or fees owed to The Capital Corporation LLC, or any of its
affiliates or related parties.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>3.5 Securities Law Matters. The
Buyer (a) is, and at the Closing will be, an &#147;accredited investor&#148; as defined in
Regulation D promulgated by the Securities Exchange Commission under the
Securities Act of 1933, as amended, (b) is acquiring the Bank Stock for
investment, and not with a view to selling or otherwise distributing such
securities and (c) through its officers and directors who are negotiating this
Agreement, has knowledge and experience in financial and business matters to be
capable of evaluating the merits and risks of the purchase of the Bank
Stock.</FONT></P>
<P align=center><FONT face=serif size=2>ARTICLE IV </FONT></P>
<P align=center><FONT face=serif size=2>REPRESENTATIONS AND WARRANTIES OF
SELLER</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>Seller hereby represents and
warrants to Buyer to the best of Seller&#146;s knowledge, as follows:</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>4.1 Organization and Good
Standing</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(a) Seller is a duly organized,
validly existing and in good standing under the laws of the State of Delaware
with the corporate power and authority to own its properties and conduct its
business as it has and is now being conducted and is duly registered as a bank
holding company under the Bank Holding Company Act of 1956, as
amended.</FONT></P>
<P align=center><FONT face=serif size=2>7 </FONT></P>
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<PAGE>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(b) Bank is a state banking
corporation duly organized, validly existing and in good standing under the laws
of the State of Kansas with the corporate power and authority to carry on its
business as it has been and is now being conducted. Bank is duly authorized to
do business in each jurisdiction in which it owns or leases real property or in
which the conduct of its business requires such qualification. Bank does not own
or control any of the capital stock of any other corporation. </FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>4.2 Valid and Binding Agreement;
Non-Contravention. This Agreement constitutes a valid and binding agreement of
Seller, enforceable against Seller in accordance with its terms, except as
limited by applicable bankruptcy, insolvency or other laws affecting the
enforcement of creditors&#146; rights generally, and by general principles of equity,
including the exercise of judicial discretion in connection therewith. Neither
the execution and delivery of this Agreement nor the consummation by Seller of
the transactions contemplated hereby violates or constitutes a breach of or
default under any agreement, law, regulation, order, judgment or other
restriction of any kind or character to which the Seller is a party or by which
such Seller or any of such Seller&#146;s properties is bound (assuming the parties
obtain all necessary regulatory approvals from banking regulators). </FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>4.3 Capitalization; Ownership.
</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(a) The Bank Stock is owned of
record by Seller, free and clear of all liens, claims, charges, security
interests and encumbrances. There are no outstanding warrants, options,
subscriptions, contracts, rights or other arrangements or commitments obligating
the Bank to issue or sell any additional shares of the Bank or Bank capital
stock, nor are there outstanding any securities, debt, obligations or rights
which are convertible into or exchangeable for shares of capital stock of the
Bank. </FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>(b) The authorized capital stock of
Bank consists of 2,000 shares, $100 par value, of common stock, all of which are
outstanding, have been duly and validly authorized and issued, are fully paid
and non-assessable and will, on the Closing Date be free and clear of all liens,
claims, charges, security interests and encumbrances. </FONT></P>
<P align=center><FONT face=serif size=2>8 </FONT></P>
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<PAGE>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>4.4 Government Regulation;
Environmental. The Bank holds or has obtained all material licenses,
certificates, permits, franchises and rights from all appropriate federal, state
or other public authorities necessary for the lawful conduct of its business and
the ownership of its properties, all of which are in full force and effect and
none of which are threatened to be suspended or canceled. The Bank has, to the
best of its actual knowledge, complied in all material respects with all
federal, state and local laws, statutes, regulations, ordinances and rules
applicable to the conduct of its business or the ownership of its respective
properties, including, without limitation, all applicable environmental laws,
rules and regulations. Prior to Closing, the Bank will make available to Buyer
the Phase I environmental assessment Seller received in connection with its
acquisition of the Bank in 2007. The Buyer may hire a firm to perform a Phase
One environmental investigation to be completed on or before 45 days after the
date of this Agreement. If the Phase One investigation indicates hazardous clean
up or other environmental conditions constituting a Material Adverse Effect,
Buyer may terminate this Agreement within 15 days after receipt of such Phase
One.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>4.5 Litigation. There are no
actions, suits, claims, demands or other proceedings or investigations, either
judicial or administrative, pending or, to the best of Seller&#146;s knowledge,
threatened against Seller or Bank or affecting their respective properties,
assets, rights or businesses, or the right to carry on or conduct their
respective businesses, which, if adversely determined, would materially and
adversely affect the business, operations, properties or financial condition of
the Bank, nor are there any grounds known to Seller to support same. No
judgment, order, decree or award has been entered against Seller or Bank that
remains unsatisfied. There are no actions, suits, claims, demands or other
proceedings or investigations, either judicial or administrative, pending or, to
the best of Seller&#146;s knowledge, threatened against Seller or the Bank, which
would or could delay, impede or prevent the consummation of the transactions
contemplated by this Agreement.</FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT>4.6 Title to Assets. Except for
securities subject to customer repurchase agreements entered into by Bank in the
ordinary course of business or pledged by Bank to secure public funds&#146; deposits
and the Lease, the Bank has good and marketable title to and possession of all
of its respective real and personal properties and assets, in each case free and
clear of any liens, restrictions, encumbrances, claims, rights, title and
interests of others, except as reflected on its respective financial statements
and except for the lien of current taxes, covenants and restrictions of record,
and other minor imperfections of title not affecting marketability, which liens,
covenants, restrictions and imperfections do not materially affect the value of
such property or assets and do not interfere with the use made and proposed to
be made of such property or assets by the Bank. All evidences of indebtedness
payable to or owned by the Bank are genuine and bona fide indebtedness, were
executed or obtained for fair and valid consideration and are valid and
enforceable in accordance with their terms except as enforcement thereof may be
limited by bankruptcy, insolvency or other laws affecting creditors&#146; rights
generally, and by general principles of equity, including the exercise of
judicial discretion in connection therewith.</FONT></P>
<P align=center><FONT face=serif size=2>9 </FONT></P>
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<PAGE>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT face=serif size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 4.7 Undisclosed Liabilities. Except as
otherwise expressly disclosed to Buyer in writing prior to the date of this
Agreement, the Bank has no debt, liability or obligation (whether accrued,
contingent, absolute or otherwise) of the nature customarily reflected in a bank
balance sheet or the notes thereto that is not reflected or reserved against in
the Bank&#146;s financial statements.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 4.8 Taxes. The Bank has filed, with the
appropriate governmental agencies, all federal, state and local tax or
information returns and tax reports (including those for estimated taxes) due in
respect of its business or properties in a timely fashion, have accurately
calculated and fully reflected all tax liabilities and other amounts properly
payable on or with respect to such returns and reports, and have paid in full
all taxes and amounts shown to be due or payable on such returns and reports. No
extension of a statute of limitations with respect to any tax liability of the
Bank is in effect, and there are no pending audits or investigations involving
any tax liability of the Bank. Seller has no knowledge of any unassessed tax
deficiency or liability of the Bank or of any grounds therefor, nor is any now
proposed or, to the best of Seller&#146;s knowledge, threatened against the
Bank.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 4.9 Material Contracts. Except as set
forth in Exhibit 4.9, the Bank is not a party to or bound by
any:</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (a) written or oral employment contracts
that extend for a period in excess of one year, are other than in the ordinary
course of business, or exceed annual compensation of $50,000;</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (b) bonus, deferred compensation,
savings, profit sharing, severance pay, pension or retirement plan or
arrangement;</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>10</FONT></FONT></P>
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<PAGE>

<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (c) lease or license with respect to any
property, real, personal, or intangible, whether as landlord or tenant, or as
licensor or licensee, involving a liability or obligation of Bank as obligor in
excess of $25,000 on an annual basis;</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (d) agreement, contract or indenture
relating to the borrowing of money by the Bank (excluding deposit obligations,
obligations under certificates of deposit, repurchase agreements, letters of
credit, items in the process of collection, commitments to loan or discount,
endorsements made for collection and guarantees made in the ordinary course of
business);</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (e) agreement with any former officer,
director, stockholder or employee of the Bank, other than employment contracts
required to be disclosed as set forth above.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (f) other contract, agreement or other
commitment which is material to the business, operations, property, prospects or
assets of or to the condition, financial or otherwise, of the Bank or which
involves a payment by the Bank of more than $25,000 in one
year.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 4.10 Conduct. Except as disclosed on
Exhibit 4.10 as provided and updated through Closing, and from November 30, 2007
until the date hereof:</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (a) There has been no Material Adverse
Effect;</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (b) The business affairs of the Bank have
been conducted and carried on only in the ordinary and regular course of
business, it has maintained its books and records in a manner that, subject only
to normal year-end audit adjustments, fully and fairly reflects the income,
expenses, assets and liabilities, absolute and contingent, and it has not
incurred or become subject to any liabilities or obligations other than those
incurred in the ordinary and regular course of business;</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (c) Dividends and distributions to Bank
shareholders shall be made, if any, in accordance with Section
1.8.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (d) The Bank has not entered into any
employment contract with any director, officer or salaried employee, paid any or
made any accrual or arrangement for payment of bonuses or special compensation
of any kind or any severance or termination pay to any of its officers,
employees or directors, or increased the rate of compensation, if any, or
instituted or made any material
increase in any officer&#146;s, employee&#146;s or director&#146;s welfare, retirement or
similar plan or arrangement, other than merit increases made in accordance with
past practices.</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>11</FONT></FONT></P>
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<PAGE>

<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 4.11 Income Taxes. All income taxes
payable will be accrued at the proper amount at Closing, and such tax liability
will be reflected on the balance sheet used to determine the Bank Capital at
Closing. The Seller represents and warrants that all tax returns filed prior to
Closing have been properly prepared, all taxes due have been paid (or reserved)
and if any taxing authority should audit the returns for such periods prior to
the Closing, including the short period return, showing a balance due, that the
Seller will indemnify and hold harmless the Buyer for any such tax deficiencies
assessed against the Bank.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 4.12 Employee Benefit Plans. All employee
benefit plans of the Bank, if any, (as defined in Section 3(3) of the Employee
Retirement Income Security Act of 1974 (ERISA), including an ESOP plan, have
been operated and maintained in all material respects in compliance with ERISA,
the Internal Revenue Code of 1986, as amended, and all other applicable laws and
regulations including, but not limited to, the health care continuation
provisions of the Consolidated Omnibus Reconciliation Act of 1985, as amended
(COBRA). No employee benefit plan of the Bank or related trust, has any
liability of any nature, accrued or contingent, including without limitation,
liabilities for federal, state, local or foreign taxes, other than for routine
payments to be made in due course to participants and beneficiaries. The Bank
does not currently contribute to, and in the past neither has not contributed
to, any multi-employer pension plan as defined in Section 3(37) of ERISA. The
Bank does not have any obligation to provide any life or medical insurance
benefits to former or retired employees, other than such benefits as Bank is
obligated to provide under COBRA</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 4.13 Information Supplied. None of the
information respecting the Bank supplied or to be supplied by Seller contains
any untrue statement of a material fact or, taken together, omits to state any
material fact required or necessary to be stated in order to make such
information in its entirety not misleading.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 4.14 Defaults. The Bank is not in
material breach of or default under any agreement or commitment to which it is a
party, or under any loan agreement, note, security agreement, guarantee or other
document entered into by it pursuant to or in connection with an extension of
credit; and there has not occurred any event known to Seller which, after the
giving of notice, the lapse of time or
otherwise, would constitute such a default under, or result in a breach of, any
such agreement, commitment or extension of
credit.</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>12</FONT></FONT></P>
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<PAGE>

<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 4.15 Brokers. There is no broker, finder
or other person or entity that would have any valid claim against Buyer for a
commission or brokerage fee arising out of or in connection with any of the
transactions contemplated by this Agreement other than to The Capital
Corporation LLC. Seller and not Buyer is obligated to pay any commissions to The
Capital Corporation LLC or any of its affiliates.</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>ARTICLE
V</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>COVENANTS OF
SELLER</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 5.1 Conduct of Business until Closing
Date. Between the date hereof through and including the Closing Date, unless
otherwise expressly set forth in this Agreement or unless the prior written
consent of Buyer is obtained, Seller covenants that the Bank:</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (a) will carry on its businesses
diligently and substantially in the same manner as heretofore conducted and will
not enter into any transaction other than in the ordinary and regular course of
business, other than the acquisition of the assets of the Bank&#146;s Claycomo branch
and certain other Bank assets by Enterprise Bank &amp; Trust;</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (b) the amount of the dividends paid or
other distributions to Bank stockholders shall be reflected in the Closing
balance sheet and the Bank Capital amount in calculating the purchase
price;</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (c) will not amend the Articles of
Incorporation or Bylaws of the Bank or make any change in the authorized, issued
or outstanding capital stock of the Bank;</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (d) will not acquire or purchase any
assets of or make any investment in any financial institution other than the
purchase of loans or participations therein in the ordinary and regular course
of business;</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (e) will not make any new loans at the
DeSoto branch of the Bank in a principal amount in excess of $100,000;
and</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>13</FONT></FONT></P>
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<PAGE>

<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (f) will keep in full force and effect
all the Bank insurance policies and blanket bond policies presently in effect.
The Buyer, as subsequent owner of the Bank Stock, will be entitled to all
prepaid accounts and premium refunds related thereto including but not limited
to prepaid insurance assets and any return of premiums related
thereto.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 5.2 Regulatory Approvals. Seller will
provide Buyer with copies of any application or filing related to the sale of
assets of the Claycomo branch or the Bank contemplated by this Agreement and
correspondence pertaining thereto contemporaneously with the filing or receipt
of same. Seller will provide Buyer, as soon as is reasonable, copies of
correspondence between Seller and the pertinent regulatory agencies relating to
such applications, to include, for example, correspondence relating to a
regulatory agency's request for additional information, acknowledgement of
acceptance of any regulatory application, notice of non-acceptance of any
regulatory application, approval of any regulatory application, earliest date
for consummation provided by any regulatory agency and any proof of publication
from any newspaper publishing the public notices contemplated by this
Agreement.</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>ARTICLE
VI</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>COVENANTS OF
BUYER</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 6.1 Regulatory Approvals. Subject to the
terms and conditions of this Agreement, Buyer agrees to use its best efforts to
obtain as expeditiously as practicable all approvals, regulatory or otherwise,
necessary to consummate the transactions contemplated herein. Buyer shall
provide Seller a reasonable opportunity to review such applications prior to
filing and shall keep Seller reasonably informed on the progress of the
applications and approval process. Seller shall use best efforts to review such
applications expeditiously and shall have not more than three (3) business days
to review such applications. Seller will provide the Buyer with copies of any
application or filing related to this Agreement or the transactions contemplated
by this Agreement and correspondence pertaining thereto contemporaneously with
the filing or receipt of same. Buyer will provide the Seller, as soon as is
reasonable, copies of correspondence between Buyer and the pertinent regulatory
agencies relating to such applications, to include, for example, correspondence
relating to a regulatory agency's request for additional information,
acknowledgement of acceptance of any regulatory application, notice of
non-acceptance of any regulatory application, approval of any regulatory
application, earliest date for consummation provided by any regulatory agency and any proof of publication from any
newspaper publishing the public notices contemplated by this
Agreement.</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>14</FONT></FONT></P>
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<PAGE>

<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 6.2 Confidentiality. Until the Closing
Date, except to the extent disclosure is made by Seller under applicable federal
securities laws, Buyer will maintain in confidence, and will cause its
directors, officers, employees, agents, and advisors to maintain in confidence,
and not use to the detriment of Seller or the Bank any written, oral, or other
information obtained in confidence from Seller or the Bank, or (except to the
extent required in regulatory filings) the existence or terms of this Agreement
or the transactions contemplated by this Agreement. If the Closing does not
occur, Buyer will return to Seller such written information as the Seller may
reasonably request and will maintain the confidentiality of such information for
a period of five (5) years after the date hereof.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 6.3 Information. Buyer shall provide
Seller such information and answer such inquiries as Seller may reasonably
request or make concerning the subject matter herein.</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>ARTICLE
VII</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>CONDITIONS PRECEDENT TO
OBLIGATIONS OF BUYER</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> The obligations of Buyer to consummate
the transactions hereunder shall be subject to the satisfaction on or before the
Closing Date of all of the following conditions, except such conditions as Buyer
may waive in writing:</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 7.1 Representations, Warranties and
Covenants. All representations and warranties of Seller contained in this
Agreement shall be true in all material respects on and as of the Closing Date
with the same effect as if made or given at such time, and Seller shall have
performed all agreements and covenants required by this Agreement to be
performed by it on or prior to the Closing Date.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 7.2 Adverse Changes. From the date hereof
to the Closing Date, there shall have been no Material Adverse Effect, nor shall
any of the properties or assets essential to the ordinary and regular conduct of
its business have been destroyed by fire, peril or other conditions which would
result in a Material Adverse Effect.</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>15</FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>

<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 7.3 Regulatory Authority Approvals and
Stock Issue. Orders, consents and approvals in form and substance reasonably
satisfactory to Buyer shall have been entered by or obtained from the
appropriate regulatory authorities authorizing consummation of the transactions
contemplated hereby pursuant to the provisions of the Bank Holding Company Act
of 1956, as amended, Federal and State Securities&#146; laws, bank regulatory
agencies, and all other regulatory agencies for which approval of these
transactions are required.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 7.4 Litigation. There shall not be
pending or threatened any litigation in any court or any administrative action
or proceeding by or before any governmental commission, board or agency which if
determined adversely to Seller or the Bank would result in a Material Adverse
Effect.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 7.5 Resignations. Buyer shall have been
tendered the resignations, dated the Closing Date, of such directors and
executive officers of the Bank as Buyer shall have designated to Seller in
writing not less than thirty (30) business days prior to the Closing
Date.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 7.6 Great American Bank Intellectual
Properties. The Seller, without representing or warranting any claim to any
intellectual properties, tradenames, trademarks, copyrights or similar
intellectual property related to the GAB, will quit claim whatever rights Seller
has in the Great American Bank name, logos, tradenames and
trademarks.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 7.7 FifthThird Agreement.. The Seller
will pay all termination fees under that certain Master Data Processing
Agreement, dated as of May 25, 2005, as amended, between CSB Bank and Fifth
Third Processing Solutions, a division of Fifth Third Bank, triggered by the
sale of the assets related to the Claycomo branch of the Bank and certain other
Bank assets to Enterprise Bank &amp; Trust.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 7.8 FHLB Loans.. Seller will pay or
satisfy all obligations regarding any Federal Home Loan Bank (FHLB) advances or
loans, or transfer such loans or advances, such that they will not be included
as assets or liabilities of the Bank at Closing (as reflected on Schedule 1.3).</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>16</FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>

<P align=center><FONT face=serif size=2>ARTICLE VIII</FONT></P>
<P align=center><FONT face=serif size=2>CONDITIONS PRECEDENT TO OBLIGATIONS OF
SELLER</FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> The obligations of Seller to consummate
the transactions contemplated hereunder shall be subject to satisfaction on or
before the Closing Date of all of the following conditions, except such
conditions as Seller may waive in writing:</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 8.1 Representations, Warranties and
Covenants. All representations and warranties of Buyer contained in this
Agreement shall be true in all material respects on and as of the Closing Date,
as if made or given at such time, and Buyer shall have performed all agreements
and covenants required by this Agreement to be performed by it on or prior to
the Closing Date.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 8.2 Regulatory Authority Approvals.
Orders, consents and approvals in form and substance reasonably satisfactory to
Seller shall have been entered by or obtained from the appropriate regulatory
authorities authorizing consummation of the transactions contemplated by this
Agreement pursuant to the provisions of the Bank Holding Company Act of 1956, as
amended, and other regulatory approvals, including any approvals required in
connection with the sale of the assets related to the Claycomo branch of the
Bank and certain other Bank assets.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 8.3 Litigation. There shall not be
pending or threatened any litigation against Buyer in any court which Seller
believes could reasonably result in restraining, enjoining or prohibiting the
consummation of this Agreement.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 8.4 Severance Payments. Buyer shall have
reimbursed Seller for the amount of any severance costs (pursuant to any of the
contracts listed on Exhibit 4.10) paid or accrued by the Bank or the Seller in
connection with the resignations contemplated by Section 7.5 or any other
termination of Bank employees by or at the request of Buyer. Exhibit 4.10 lists
the only agreement binding the Bank to make severance
payments.</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>ARTICLE
IX</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>REMEDIES; POST CLOSING
INDEMNIFICATION</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 9.1 Remedies. The parties shall have, as
their sole and exclusive remedies relating to this Agreement or the transactions
contemplated by this Agreement, the following:</FONT></FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (a)<FONT face=serif></FONT> For claims
made before Closing, the parties shall have any remedy available at law or in
equity provided, however, in no event shall any party be entitled to any
indirect, special, incidental or
consequential damages or loss, including without limitation, loss of profits,
income or business opportunities by the other party or any party claiming
through such other party.</FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>17</FONT></FONT></P>
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<PAGE>

<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (b)<FONT face=serif></FONT> For claims
asserted after Closing under this Agreement, except for claims based upon fraud
or intentional misrepresentation, the parties shall have the indemnification
remedies provided in this Article IX.</FONT><FONT face=serif></FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (c)<FONT face=serif></FONT> For claims
made at any time based upon fraud or intentional misrepresentation, the parties
shall have any remedy available at law or in equity.</FONT><FONT face=serif></FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 9.2<FONT face=serif></FONT> Seller
Indemnification. Seller shall indemnify Buyer and its stockholders, controlling
persons, and affiliates (Indemnified Persons) for, and will pay to the
Indemnified Persons the amount of, any loss, liability, claim, damage (including
incidental and consequential damages), expense (including costs of investigation
and defense and reasonable attorneys&#146; fees) involving a third-party claim
(Damages), arising, directly or indirectly, from or in connection
with:</FONT><FONT face=serif></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (a) any breach of any representation or
warranty made by the Seller in this Agreement, at the time such representation
or warranty was made, except for any such breach waived by the Buyer;
and</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (b) any breach by Seller of any covenant
in this Agreement (other than covenants to be performed prior to the
Closing).</FONT></FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 9.3 Buyer Indemnification. Buyer shall
indemnify Seller and its employees, officers, directors, stockholders,
controlling persons, and affiliates (Indemnified Persons) for, and will pay to
the Indemnified Persons the amount of, any loss, liability, claim, damage
(including incidental and consequential damages), expense (including costs of
investigation and defense and reasonable attorneys&#146; fees) involving a
third-party claim (Damages), arising, directly or indirectly, from or in
connection with:</FONT><FONT face=serif></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (a) the conduct of the business of the
Bank after the Closing;</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>18</FONT></FONT></P>
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<PAGE>

<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (b) any breach of any representation or
warranty made by the buyer in this Agreement, at the time such representation or
warranty was made, except for any such breach waived by the Seller;
and</FONT><FONT face=serif></FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (c) any breach by Buyer of any covenant
in this Agreement (other than covenants to be performed prior to the
Closing).</FONT><FONT face=serif></FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 9.4 Limitations. Neither party will have
liability (for indemnification or otherwise) to the other until the total of all
Damages with respect to such matters exceeds $65,000, and then only for the
amount by which such Damages exceed $65,000 (up to the amount of the purchase
price in the case of the Seller&#146;s indemnification) unless such Damages arise
from or in connection with fraud or intentional misrepresentation. If the
Closing occurs, neither party will have liability for indemnification unless on
or before the first anniversary of the Closing Date, such party notifies the
other party of a claim specifying the factual basis of that claim in reasonable
detail to the extent then known to such party.</FONT><FONT face=serif></FONT></P>
<P align=justify><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 9.5 Third-Party Claims. In the event of a
third-party claim, the indemnifying party will have the right to participate in
the defense of such third-party claim and, (unless the indemnifying party fails
to provide reasonable assurance to the Indemnified Person of the financial
capacity to defend such third-party claim and provide indemnification with
respect to such third-party claim), to assume the defense of such third-party
claim with counsel satisfactory to the Indemnified Person. No compromise or
settlement of such third-party claims may be effected without the Indemnified
Person&#146;s prior written consent unless (A) there is no finding or admission of
any violation of any law or legal requirement or any violation of the rights of
any person, (B) the sole relief provided is monetary damages that are paid in
full by the indemnifying party. With respect to any third-party claim subject to
indemnification under this Article IX: (i) both the Indemnified Person and the
indemnifying party, as the case may be, shall keep the other party fully
informed of the status of such third-party claim and any related proceedings at
all stages thereof where such person is not represented by his or her own
counsel, and (ii) the parties agree (each at its own expense) to render to each
other such assistance as they may reasonably require of each other and to
cooperate in good faith with each other in order to ensure the property and
adequate defense of any third-party claim.</FONT><FONT face=serif></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>19</FONT></FONT></P>
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<PAGE>

<P align=center><FONT face=serif size=2>ARTICLE X</FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>TERMINATION OF
AGREEMENT</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 10.1 Basis for Termination. This
Agreement and the transactions contemplated hereby may be terminated at any time
prior to the Closing:</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (a) by mutual consent in writing of the
parties hereto;</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (b) by Buyer upon written notice to
Seller if:</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&nbsp;<FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (i) any regulatory approval of the
transactions contemplated under the terms of this Agreement shall be denied,
or</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&nbsp;<FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (ii) average total deposits of the Bank
for the 90-day period ending on the day before Closing are less than
$28,500,000, or</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&nbsp;<FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (iii) the Bank&#146;s total deposits at
Closing are less than $27,000,000, or</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&nbsp;<FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (iv) Seller has not caused the
encumbrances on the Property covered in Buyer&#146;s objection notice under Section
1.7 to be removed by Closing, or</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT>&nbsp;<FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (v) Seller has not provided cash or other
securities meeting Buyer's approval in accordance with Section
2.3;</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (c) by Seller if the regulatory
applications have not been filed by Buyer prior to March 31, 2008 or if Seller
has not received the regulatory approvals required for its purchase of assets
from the Bank (including the DeSoto, KS branch assets) by July 31, 2008 (or
September 30, 2008 if the second sentence of Section 1.5(b)
applies);</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (d) by Buyer or Seller, if the opposite
party is in material breach of this Agreement and has not cured such breach
within the earlier of 30 days after the other party shall have given written
notice of such breach, or the Closing Date; or</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> (e) by Seller, if the Closing has not
occurred by July 31, 2008 (or September 30, 2008 if the second sentence of
Section 1.5(b) applies).</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>20</FONT></FONT></P>
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<PAGE>

<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 10.2 Extension; Waiver. At any time prior
to the Closing, Buyer and Seller may mutually agree, to the extent legally
allowed, to (I) extend the time for the performance of any of the obligations or
other acts of other parties, (ii) waive any inaccuracies in the representations
and warranties contained herein or in any document delivered pursuant hereto and
(iii) waive compliance with any of the agreements or conditions contained in
this Agreement. Any agreement on the part of a party to any such extension or
waiver, however, shall be valid only if set forth in a written instrument signed
by both Buyer and Seller.</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>ARTICLE
XI</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>MISCELLANEOUS</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 11.1 Parties in Interest. Except as
otherwise expressly provided herein, all of the terms and provisions of this
Agreement shall be binding upon, shall inure to the benefit of and shall be
enforceable by the respective heirs, beneficiaries, personal and legal
representatives, successors and permitted assigns of the
parties.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 11.2 Entire Agreement, Amendments. This
Agreement contains the entire understanding of the parties with respect to the
subject matter and supersedes all prior and contemporaneous agreements and
understandings, whether written or oral, between the parties with respect
thereto. This Agreement may be amended, modified, or revoked only by a written
instrument duly executed by the parties or their respective successors or
permitted assigns. Any condition to a party&#146;s obligation hereunder may only be
waived by such party in writing. This Agreement may be executed in any number of
originals or counterparts, or facsimiles, or by electronic signatures, each of
which shall be deemed an original, but all of which together shall constitute
only one agreement, which agreement shall be legally binding and enforceable
notwithstanding that no one counterpart is executed by all
parties.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 11.3 Notices. All notices, requests,
demands or other communications hereunder shall be in writing and shall be
deemed to have been duly given when personally delivered; or five business days
after the day delivered to the United States mail, authorities using certified,
return receipt requested, postage prepaid, in each case addressed to the parties
at the following addresses or at such other address as shall be specified by
notice given in like manner by any party to the other:</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>21</FONT></FONT></P>
<HR align=center width="100%" noShade SIZE=2>
<PAGE>
<BR>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" >&nbsp;&nbsp;&nbsp;&nbsp;<FONT size=2> </FONT></TD>
    <TD noWrap align=left width="20%"><FONT face=serif><FONT size=2>If to
    Seller:&nbsp;</FONT></FONT></TD>
    <TD noWrap align=left width="78%"><FONT face=serif><FONT size=2>Enterprise Financial Services
      Corp&nbsp;</FONT></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="20%"><FONT size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="78%"><FONT face=serif><FONT size=2>c/o Peter
      Benoist&nbsp;</FONT></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="20%"><FONT size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="78%"><FONT face=serif><FONT size=2>150 North Meramec, Suite
      300&nbsp;</FONT></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="20%"><FONT size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="78%"><FONT face=serif><FONT size=2>St. Louis, Missouri
      63105&nbsp;</FONT></FONT></TD></TR>
  <TR>
    <TD width="1%" ></TD>
    <TD width="98%" colSpan=2><FONT size=2>&nbsp;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="20%"><FONT face=serif><FONT size=2>with a copy
      to:&nbsp;</FONT></FONT></TD>
    <TD noWrap align=left width="78%"><FONT face=serif><FONT size=2>Mary Anne
      O&#146;Connell&nbsp;</FONT></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="20%"><FONT size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="78%"><FONT face=serif><FONT size=2>Husch &amp; Eppenberger,
      LLC&nbsp;</FONT></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="20%"><FONT size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="78%"><FONT face=serif><FONT size=2>190 Carondelet Plaza, Suite
      600&nbsp;</FONT></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" >&nbsp;</TD>
    <TD noWrap align=left width="20%"><FONT size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="78%"><FONT face=serif><FONT size=2>St. Louis, Missouri
      63105&nbsp;</FONT></FONT></TD></TR>
  <TR>
    <TD width="1%" ></TD>
    <TD width="98%" colSpan=2><FONT size=2>&nbsp;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="20%"><FONT face=serif><FONT size=2>If to
    Buyer:&nbsp;</FONT></FONT></TD>
    <TD noWrap align=left width="78%"><FONT face=serif><FONT size=2>Douglas Compton,
      President&nbsp;</FONT></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="20%"><FONT size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="78%"><FONT face=serif><FONT size=2>First Management,
      Inc.&nbsp;</FONT></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="20%"><FONT size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="78%"><FONT face=serif><FONT size=2>P.O. Box
    1797&nbsp;</FONT></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="20%"><FONT size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="78%"><FONT face=serif><FONT size=2>Lawrence, Kansas
      66044&nbsp;</FONT></FONT></TD></TR>
  <TR>
    <TD width="1%" ></TD>
    <TD width="98%" colSpan=2><FONT size=2>&nbsp;</FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="20%"><FONT face=serif><FONT size=2>with a copy
      to:&nbsp;</FONT></FONT></TD>
    <TD noWrap align=left width="78%"><FONT face=serif><FONT size=2>Joseph Y.
      Holman&nbsp;</FONT></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="20%"><FONT size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="78%"><FONT face=serif><FONT size=2>Holman Hansen &amp; Colville,
      P.C.&nbsp;</FONT></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="20%"><FONT size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="78%"><FONT face=serif><FONT size=2>10740 Nall Avenue, Suite
      200&nbsp;</FONT></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="20%"><FONT size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="78%"><FONT face=serif><FONT size=2>Overland Park, KS
      66211&nbsp;</FONT></FONT></TD></TR>
  <TR vAlign=bottom>
    <TD noWrap align=left width="1%" ></TD>
    <TD noWrap align=left width="20%"><FONT size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="78%"><FONT face=serif><FONT size=2>Fax: (913)
      383-9596&nbsp;</FONT></FONT></TD></TR></TABLE><BR>
<P align=justify><FONT face=serif><FONT size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 11.4 Law Governing. This Agreement shall
be governed by and construed and enforced for all purposes in accordance with
the laws of the State of Kansas.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 11.5 Further Acts. Buyer and Seller agree
to execute and deliver on or before the Closing such other documents,
certificates, agreements or other writings and take such other actions as may be
reasonably necessary or desirable in order to consummate or implement
expeditiously the transactions contemplated by this Agreement.</FONT></FONT></P>
<P align=justify><FONT face=serif><FONT size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> 11.6 Assignment. No party may assign any
of its rights or delegate any of its obligations under this Agreement without
the prior written consent of the other party, except that Seller may assign such
rights and obligations to a successor of substantially all of its business,
without the consent of Buyer.</FONT></FONT></P>
<P align=center><FONT face=serif><FONT size=2>22</FONT></FONT></P>
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<PAGE>

<P align=justify><FONT face=serif><FONT face=serif size=2><FONT size=3>&nbsp;&nbsp;&nbsp;&nbsp;</FONT> IN WITNESS WHEREOF, the parties hereto
have duly executed this Agreement as of the date first above
written.</FONT></FONT></P>
<TABLE cellSpacing=0 cellPadding=0 width="100%" border=0>

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    <TD noWrap align=left width="49%" colSpan=2><FONT face=serif size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="50%" colSpan=2><FONT face=serif><FONT face=serif size=2>BUYER<FONT size=3>&nbsp;</FONT></FONT></FONT></TD></TR>
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    <TD noWrap align=left width="49%" colSpan=2><FONT face=serif size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="50%" colSpan=2><FONT face=serif><FONT face=serif size=2>First Financial Bancshares, Inc.<FONT size=3>&nbsp;</FONT></FONT></FONT></TD></TR>
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    <TD noWrap align=left width="50%" colSpan=2>&nbsp;</TD></TR>
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    <TD noWrap align=left width="50%" colSpan=2>&nbsp;</TD></TR>
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    <TD noWrap align=left width="49%" colSpan=2><FONT face=serif size=2>&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="25%"><FONT face=serif><FONT face=serif size=2>/s/ Douglas
      Compton&nbsp;</FONT></FONT></TD>
    <TD noWrap align=left width="25%">&nbsp;</TD></TR>
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    <TD noWrap align=left width="49%" colSpan=2><FONT face=serif size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="50%" colSpan=2><FONT face=serif><FONT face=serif size=2>Douglas Compton, President<FONT size=3>&nbsp;</FONT></FONT></FONT></TD></TR>
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    <TD noWrap align=left width="49%" colSpan=2><FONT face=serif><FONT face=serif size=2>ATTEST:<FONT size=3>&nbsp;</FONT></FONT></FONT></TD>
    <TD noWrap align=left width="50%" colSpan=2><FONT face=serif size=2>&nbsp;</FONT></TD></TR>
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    <TD noWrap align=left width="49%" colSpan=2>&nbsp;</TD>
    <TD noWrap align=left width="50%" colSpan=2>&nbsp;</TD></TR>
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    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="25%"><FONT face=serif><FONT face=serif size=2>/s/ Leslie J.
      Dreiling&nbsp;</FONT></FONT></TD>
    <TD noWrap align=left width="24%">&nbsp;</TD>
    <TD noWrap align=left width="50%" colSpan=2><FONT face=serif size=2>&nbsp;</FONT></TD></TR>
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      </FONT></TD>
    <TD noWrap align=left width="50%" colSpan=2><FONT face=serif><FONT face=serif size=2>SELLER<FONT size=3>&nbsp;</FONT></FONT></FONT></TD></TR>
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    <TD noWrap align=left width="49%" colSpan=2><FONT face=serif size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="50%" colSpan=2><FONT face=serif><FONT face=serif size=2>Enterprise Financial Services Corp<FONT size=3>&nbsp;</FONT></FONT></FONT></TD></TR>
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    <TD noWrap align=left width="49%" colSpan=2></TD>
    <TD noWrap align=left width="50%" colSpan=2>&nbsp;</TD></TR>
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    <TD noWrap align=left width="49%" colSpan=2></TD>
    <TD noWrap align=left width="50%" colSpan=2>&nbsp;</TD></TR>
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    <TD noWrap align=left width="49%" colSpan=2><FONT face=serif size=2>&nbsp;</FONT></TD>
    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="25%"><FONT face=serif><FONT face=serif size=2>/s/ Peter F.
      Benoist&nbsp;</FONT></FONT></TD>
    <TD noWrap align=left width="25%">&nbsp;</TD></TR>
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    <TD noWrap align=left width="49%" colSpan=2><FONT face=serif size=2>&nbsp;</FONT></TD>
    <TD noWrap align=left width="50%" colSpan=2><FONT face=serif><FONT face=serif size=2>Peter F. Benoist, Chairman<FONT size=3>&nbsp;</FONT></FONT></FONT></TD></TR>
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    <TD noWrap align=left width="50%" colSpan=2>&nbsp;</TD></TR>
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    <TD noWrap align=left width="49%" colSpan=2><FONT face=serif><FONT face=serif size=2>ATTEST:<FONT size=3>&nbsp;</FONT></FONT></FONT></TD>
    <TD noWrap align=left width="50%" colSpan=2><FONT face=serif size=2>&nbsp;</FONT></TD></TR>
  <TR>
    <TD noWrap align=left width="49%" colSpan=2>&nbsp;</TD>
    <TD noWrap align=left width="50%" colSpan=2></TD></TR>
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    <TD style="BORDER-BOTTOM: #000000 1pt solid" noWrap align=left width="25%"><FONT face=serif><FONT face=serif size=2>/s/ Frank H.
      Sanfilippo&nbsp;</FONT></FONT></TD>
    <TD noWrap align=left width="24%">&nbsp;</TD>
    <TD noWrap align=left width="50%" colSpan=2><FONT face=serif size=2>&nbsp;</FONT></TD></TR></TABLE>
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<P align=center><FONT face=serif><FONT face=serif size=2>23</FONT></FONT></P>
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<FILENAME>exhibit99-1.htm
<DESCRIPTION>TEXT OF PRESS RELEASE, DATED FEBRUARY 6, 2008
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<P align=right><B><FONT face=serif><FONT face=serif size=2>EXHIBIT
99.1</FONT></FONT></B></P>
<P align=right><FONT face=serif size=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For more
information contact: <BR>Kevin Eichner or Frank Sanfilippo (314) 725 5500
<BR>Melissa Sturges (816) 221 7500 or Ann Marie Mayuga (314) 469
4798</FONT><FONT face=serif></FONT></P>

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      <P align=center><B><FONT face=serif><FONT face=serif size=2><BR>ENTERPRISE
      FINANCIAL AGREES TO SELL GREAT AMERICAN BANK CHARTER AND DESOTO, KS
      LOCATION<BR>&nbsp;</FONT></FONT></B></P></TD></TR></TABLE>
<P align=left><FONT face=serif><FONT face=serif size=2>St. Louis, February 6,
2008. Enterprise Financial Services Corp (NASDAQ: EFSC) announced today an
agreement to sell its Great American Bank subsidiary to First Financial
Bancshares, Inc., a bank holding company with a subsidiary, Lawrence Bank, which
currently operates two branches in Lawrence, KS. Great American operates two
branch locations &#150; in DeSoto KS and Claycomo MO. The agreement is subject to
standard terms and conditions, including regulatory approvals.</FONT></FONT></P>
<P align=left><FONT face=serif><FONT face=serif size=2>In a related transaction,
prior to the sale of Great American, Enterprise Bank &amp; Trust will purchase
the assets and assume the liabilities of the Claycomo branch and will operate
that branch as part of its metropolitan Kansas City franchise. First Financial
will then purchase the Great American bank charter and its remaining DeSoto
branch and operate a community bank under the Great American name based in
DeSoto, KS.</FONT></FONT></P>
<P align=left><FONT face=serif><FONT face=serif size=2>Enterprise Financial
acquired Great American Bank and its parent company Clayco Bancshares, Inc. in
February 2007.</FONT></FONT></P>
<P align=left><FONT face=serif><FONT face=serif size=2>Peter Benoist, Enterprise
Financial Chairman and CEO of Enterprise Bank &amp; Trust, commented, &#147;Our
branch in DeSoto is successful. However, as a result of our two recent
acquisitions in the Kansas City metropolitan area, we gained more branch
locations than our business model currently requires. This transaction, coupled
with a previous decision to sell a branch in Liberty, MO, enables us to more
effectively deploy our capital and our people to execute Enterprise&#146;s business
strategy in the Kansas City market. And at the same time, the DeSoto community
retains a local, full service banking facility to be operated by First
Financial.&#148;</FONT></FONT></P>
<P align=left><FONT face=serif><FONT face=serif size=2>First Financial
President, Douglas Compton, announced that Travis Hicks will be the President
and CEO of the acquired Great American Bank. Hicks stated, &#147;We are extremely
pleased to build upon the successes of our predecessors with this agreement to
purchase the Great American Bank DeSoto location and expand our financial
services into the DeSoto and Johnson County markets.&#148;</FONT></FONT></P>
<P align=left><FONT face=serif><FONT face=serif size=2>The sale is expected to
close in the second quarter of 2008, subject to regulatory approval. The Great
American transaction and Liberty branch transaction are expected to result in a
combined after-tax gain for Enterprise of approximately $.06 to $.08 per share
in 2008.</FONT></FONT></P>
<P align=left><FONT face=serif><FONT face=serif size=2>Enterprise Financial
operates commercial banking and wealth management businesses in metropolitan St.
Louis and Kansas City and a loan production office in Phoenix, Arizona with an
intent to establish a de novo state bank charter in 2008. The Company is
primarily focused on serving the needs of privately held businesses, their owner
families, executives and professionals.</FONT></FONT></P>
<P align=center><FONT face=serif><FONT face=serif size=2>#&nbsp;&nbsp;&nbsp;&nbsp; #&nbsp;&nbsp;&nbsp;&nbsp; #</FONT></FONT></P>
<P align=left><FONT face=serif><FONT face=serif size=2>Readers should note that
in addition to the historical information contained herein, this press release
contains forward-looking statements, which are inherently subject to risks and
uncertainties that could cause actual results to differ materially from those
contemplated from such statements. We use the words &#147;expect&#148; and &#147;intend&#148; and
variations of such words and similar expressions in this communication to
identify such forward-looking statements. Factors that could cause or contribute
to such differences include, but are not limited to, burdens imposed by federal
and state regulations of banks, credit risk, exposure to local and national
economic conditions, risks associated with rapid increase or decrease in
prevailing interest rates, effects of mergers and acquisitions, effects of
critical accounting policies and judgments, legal and regulatory developments
and competition from banks and other financial institutions, as well as other
risk factors described in Enterprise Financial&#146;s 2006 Annual Report on Form
10-K. Forward-looking statements speak only as of the date they are made, and
the Company undertakes no obligation to update them in light of new information
or future events.</FONT></FONT></P>
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