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<SEC-DOCUMENT>0001206774-04-000213.txt : 20040317
<SEC-HEADER>0001206774-04-000213.hdr.sgml : 20040317
<ACCEPTANCE-DATETIME>20040317122302
ACCESSION NUMBER:		0001206774-04-000213
CONFORMED SUBMISSION TYPE:	DEF 14A
PUBLIC DOCUMENT COUNT:		3
CONFORMED PERIOD OF REPORT:	20040420
FILED AS OF DATE:		20040317
EFFECTIVENESS DATE:		20040317

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			GUARANTY BANCSHARES INC /TX/
		CENTRAL INDEX KEY:			0001058867
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				751656431
		STATE OF INCORPORATION:			TX
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		DEF 14A
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	000-24235
		FILM NUMBER:		04674734

	BUSINESS ADDRESS:	
		STREET 1:		100 WEST ARKANSAS
		CITY:			MT PLEASANT
		STATE:			TX
		ZIP:			75456
		BUSINESS PHONE:		9035729881

	MAIL ADDRESS:	
		STREET 1:		100 WEST ARKANSAS
		CITY:			MT PLEASANT
		STATE:			TX
		ZIP:			75456
</SEC-HEADER>
<DOCUMENT>
<TYPE>DEF 14A
<SEQUENCE>1
<FILENAME>d14202.htm
<TEXT>
<HTML>

<HEAD>
<TITLE></TITLE>
</HEAD>

<HR style="MARGIN-TOP: -2px" NOSHADE SIZE=4>
<HR style="MARGIN-TOP: -10px" NOSHADE SIZE=1>


<body>
<P ALIGN=CENTER><FONT size=5 face="TIMES NEW ROMAN"><B>UNITED STATES SECURITIES AND EXCHANGE COMMISSION</B></FONT><br>
<FONT size=2 face="TIMES NEW ROMAN"><B>Washington, D.C. 20549</B></FONT></P>

<P ALIGN=CENTER><FONT size=5 face="TIMES NEW ROMAN"><B>SCHEDULE
  14A INFORMATION</B></FONT></P>
<p align="center"><strong><font size="3" face="Times New Roman, Times, serif"></font></strong></p>
<p align="center"><strong><font size="3" face="Times New Roman, Times, serif">Proxy
  Statement Pursuant to Section 14(a) of<br>
  the Securities Exchange Act of 1934 (Amendment No. &nbsp;&nbsp;)</font></strong></p>
<table width="100%" border="0" cellspacing="0" cellpadding="0">
  <tr valign="top">
    <td colspan="2"><font size="2" face="Times New Roman, Times, serif">Filed
      by the Registrant&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font size=3 face=WINGDINGS><b>x</b></font></p></td>
  </tr>
  <tr valign="top">
    <td colspan="2"><font size="2" face="Times New Roman, Times, serif">Filed
      by a Party other than the Registrant&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<font size=3 face=WINGDINGS><b>o</b></font></p></font></td>
  </tr>
  <tr valign="top">
    <td colspan="2">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td colspan="2"><font size="2" face="Times New Roman, Times, serif">Check
      the appropriate box:</font></td>
  </tr>
  <tr valign="top">
    <td width="5%">&nbsp;</td>
    <td width="95%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td width="5%"><font size="2" face="Times New Roman, Times, serif"><font size=3 face=WINGDINGS><b>o</b></font></td>
    <td width="95%"><font size="2" face="Times New Roman, Times, serif">Preliminary
      Proxy Statement</font></td>
  </tr>
  <tr valign="top">
    <td width="5%"><font size="2" face="Times New Roman, Times, serif"><font size=3 face=WINGDINGS><b>o</b></font></td>
    <td width="95%"><font size="2" face="Times New Roman, Times, serif">Confidential,
      for Use of the Commission Only<br>
      (as permitted by Rule 14a-6(e)(2))</font></td>
  </tr>
  <tr valign="top">
    <td width="5%"><font size="2" face="Times New Roman, Times, serif"><font size=3 face=WINGDINGS><b>x</b></font></td>
    <td width="95%"><font size="2" face="Times New Roman, Times, serif">Definitive
      Proxy Statement</font></td>
  </tr>
  <tr valign="top">
    <td width="5%"><font size="2" face="Times New Roman, Times, serif"><font size=3 face=WINGDINGS><b>o</b></font></td>
    <td width="95%"><font size="2" face="Times New Roman, Times, serif">Definitive
      Additional Materials</font></td>
  </tr>
  <tr valign="top">
    <td width="5%"><font size="2" face="Times New Roman, Times, serif"><font size=3 face=WINGDINGS><b>o</b></font></td>
    <td width="95%"><font size="2" face="Times New Roman, Times, serif">Soliciting
      Material Pursuant to Rule 14a-12</font></td>
  </tr>
</table>
<p>&nbsp;</p>
<div align="center"><FONT FACE="Arial, Helvetica, sans-serif"><FONT SIZE="5">GUARANTY BANCSHARES, INC.</FONT></FONT>
<HR SIZE="2" NOSHADE WIDTH="75%">
<font size="2" face="Times New Roman, Times, serif">(Name of
  Registrant as Specified In Its Charter)</font> </div>
<p>&nbsp;</p>
<HR SIZE="2" NOSHADE WIDTH="75%">
<div align="center"><font size="2" face="Times New Roman, Times, serif">(Name of
  Person(s) Filing Proxy Statement, if other than the Registrant)</font></div>
<p><font size="2" face="Times New Roman, Times, serif">Payment of Filing Fee (Check
  the appropriate box):</font></p>
<table width="100%" border="0" cellspacing="0" cellpadding="0">
  <tr valign="top">
    <td width="5%"><font size="2" face="Times New Roman, Times, serif"><font size=3 face=WINGDINGS><b>x</b></font></td>
    <td colspan="2"><font size="2" face="Times New Roman, Times, serif">No fee
      required.</font></td>
  </tr>
  <tr valign="top">
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="90%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td width="5%"><font size="2" face="Times New Roman, Times, serif"><font size=3 face=WINGDINGS><b>o</b></font></td>
    <td colspan="2"><font size="2" face="Times New Roman, Times, serif">Fee computed
      on table below per Exchange Act Rules 14a-6(i)(1) and 0-11.</font></td>
  </tr>
  <tr valign="top">
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="90%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td width="5%">&nbsp;</td>
    <td width="5%"><font size="2" face="Times New Roman, Times, serif">1.</font></td>
    <td width="90%"><font size="2" face="Times New Roman, Times, serif">Title
      of each class of securities to which transaction applies:</font></td>
  </tr>
  <tr valign="top">
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="90%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="70%"> <hr size="2" noshade></td>
  </tr>
  <tr valign="top">
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="90%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td width="5%">&nbsp;</td>
    <td width="5%"><font size="2" face="Times New Roman, Times, serif">2.</font></td>
    <td width="90%"><font size="2" face="Times New Roman, Times, serif">Aggregate
      number of securities to which transaction applies:</font></td>
  </tr>
  <tr valign="top">
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="90%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="70%"> <hr size="2" noshade></td>
  </tr>
  <tr valign="top">
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="90%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td width="5%">&nbsp;</td>
    <td width="5%"><font size="2" face="Times New Roman, Times, serif">3.</font></td>
    <td width="90%"><font size="2" face="Times New Roman, Times, serif">Per unit
      price or other underlying value of transaction computed pursuant to Exchange
      Act Rule 0-11 (set forth the amount on which the filing fee is calculated
      and state how it was determined):</font></td>
  </tr>
  <tr valign="top">
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="90%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="70%"> <hr size="2" noshade></td>
  </tr>
  <tr valign="top">
    <td width="5%">&nbsp;</td>
    <td width="5%">&nbsp;</td>
    <td width="70%">&nbsp;</td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td><font size="2" face="Times New Roman, Times, serif">4.</font></td>
    <td><font size="2" face="Times New Roman, Times, serif">Proposed maximum aggregate
      value of transaction:</font></td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td> <hr size="2" noshade></td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td><font size="2" face="Times New Roman, Times, serif">5.</font></td>
    <td><font size="2" face="Times New Roman, Times, serif">Total fee paid:</font></td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td> <hr size="2" noshade></td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr valign="top">
    <td><font size="2" face="Times New Roman, Times, serif"><font size=3 face=WINGDINGS><b>o</b></font></td>
    <td colspan="2"><font size="2" face="Times New Roman, Times, serif">Fee paid
      previously with preliminary materials.</font></td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr valign="top">
    <td><font size="2" face="Times New Roman, Times, serif"><font size=3 face=WINGDINGS><b>o</b></font></td>
    <td colspan="2"><font size="2" face="Times New Roman, Times, serif">Check
      box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2)
      and identify the filing for which the offsetting fee was paid previously.
      Identify the previous filing by registration statement number, or the Form
      or Schedule and the date of its filing.</font></td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td><font size="2" face="Times New Roman, Times, serif">1.</font></td>
    <td><font size="2" face="Times New Roman, Times, serif">Amount Previously
      Paid:</font></td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td><hr size="2" noshade></td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td><font size="2" face="Times New Roman, Times, serif">2.</font></td>
    <td><font size="2" face="Times New Roman, Times, serif">Form, Schedule or
      Registration Statement No.:</font></td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td><hr size="2" noshade></td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td><font size="2" face="Times New Roman, Times, serif">3.</font></td>
    <td><font size="2" face="Times New Roman, Times, serif">Filing Party:</font></td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td><hr size="2" noshade></td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td><font size="2" face="Times New Roman, Times, serif">4.</font></td>
    <td><font size="2" face="Times New Roman, Times, serif">Date Filed:</font></td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td>&nbsp;</td>
  </tr>
  <tr valign="top">
    <td>&nbsp;</td>
    <td>&nbsp;</td>
    <td><hr size="2" noshade></td>
  </tr>
</table>
<p>&nbsp;</p>
<HR style="MARGIN-TOP: -2px" NOSHADE SIZE=4>
<HR style="MARGIN-TOP: -10px" NOSHADE SIZE=1>




<PAGE>


<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>GUARANTY BANCSHARES, INC.</B></FONT></P>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>100 West Arkansas<BR>
Mount Pleasant, Texas 75455</B></FONT></P>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>NOTICE
OF 2004 ANNUAL MEETING OF SHAREHOLDERS<BR>
TO BE HELD ON TUESDAY, APRIL 20, 2004</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Shareholders of Guaranty
Bancshares, Inc.:</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
2004 Annual Meeting of Shareholders (the &#147;Meeting&#148;) of Guaranty Bancshares,
Inc. (the &#147;Company&#148;) will be held at 100 West Arkansas, Mount Pleasant, Texas,
on Tuesday, April 20, 2004, beginning at 2:00 p.m. (local time), for the
following purposes:</FONT></P>
<TABLE ALIGN=CENTER  border=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">1.</FONT></P></TD>
  <TD WIDTH="89%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">To elect
  three directors of Class I to serve on the Board of Directors of the Company until the Company&#146;s 2007
  Annual Meeting of Shareholders and until their successors are duly elected
  and qualified; </FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="4%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="89%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="4%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">2.</FONT></P></TD>
  <TD WIDTH="89%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">To consider
  and act upon a proposal to ratify the appointment of McGladrey &amp; Pullen,
  LLP as the independent auditors of the books and accounts of the Company for
  the year ending December 31, 2004; and</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="4%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="89%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="4%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">3 .</FONT></P></TD>
  <TD WIDTH="89%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">To transact
  such other business as may properly be presented at the Meeting or any adjournment thereof.</FONT></P></TD>
 </TR>
</TABLE>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
close of business on March 1, 2004 has been fixed as the record date for the determination of shareholders entitled to
notice of and to vote at the Meeting or at any adjournments thereof.&#160; A list of shareholders entitled to vote at
the Meeting will be available for inspection by any shareholder at the offices
of the Company during ordinary business hours for a period of at least ten days prior to the Meeting.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You
are cordially invited and urged
to attend the Meeting.&#160; Regardless of
whether you plan to attend the Meeting, you are urged to sign and date the
enclosed proxy and return it promptly in the enclosed envelope.&#160; If you attend the Meeting, you may vote in person,
regardless of whether you have given your proxy.&#160; Your proxy may be revoked
at any time before it is voted.</FONT></P>

<TABLE ALIGN=CENTER  border=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="48%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="51%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">By order of the Board of Directors,</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="48%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="51%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P>
  </TD>
 </TR>

 <TR>
  <TD WIDTH="48%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="51%" VALIGN=TOP>
  <IMG SRC="signature.jpg" ALT="SIGNATURE">
  </TD>
 </TR>
 <TR>
  <TD WIDTH="48%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="51%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Arthur B. Scharlach, Jr.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="48%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="51%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">President &amp; CEO</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="48%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="51%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="48%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Mount Pleasant, Texas</FONT></P></TD>
  <TD WIDTH="51%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="48%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">March 15, 2004</FONT></P></TD>
  <TD WIDTH="51%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
</TABLE>


<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>YOUR VOTE IS IMPORTANT.</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
ensure your representation at the Meeting, you are urged to complete, date, and
sign the enclosed proxy and return it in the accompanying envelope at your
earliest convenience, regardless of whether you plan to attend the
Meeting.&#160; No additional postage is
necessary if the proxy is mailed in the United States.&#160; The proxy</B>
<B>is</B> <B>revocable at any time before it is</B> <B>voted at</B> <B>the Meeting.</B></FONT></P>


<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>



<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>GUARANTY BANCSHARES, INC.<BR>
100</B> <B>West
Arkansas<BR>
Mount Pleasant, Texas 75455</B></FONT></P>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>March 15, 2004</B></FONT></P>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>PROXY
STATEMENT<BR>
FOR<BR>
2004 ANNUAL MEETING OF</B> <B>SHAREHOLDERS<BR>
TO BE HELD ON TUESDAY, APRIL 20</B>,
<B>2004</B></FONT></P>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>VOTING,
REVOCABILITY AND SOLICITATION OF PROXIES</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;This
Proxy Statement is being issued in connection with the solicitation of proxies
by the Board of Directors of
Guaranty Bancshares, Inc. (the &#147;Company&#148;) for use at the 2004 Annual Meeting of
Shareholders of the Company to be held at 100 West Arkansas, Mount Pleasant,
Texas, on Tuesday, April 20, 2004, beginning at 2:00 p.m. (local time), and any adjournment
thereof (the &#147;Meeting&#148;), for the purposes set forth in this Proxy Statement and
the accompanying Notice
of 2004 Annual Meeting of Shareholders (&#147;Notice of Meeting&#148;).&#160; This Proxy Statement, the Notice of Meeting
and the enclosed form of proxy will first be sent to shareholders on or about
March 18, 2004.</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Voting of Proxies</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shares
represented at the Meeting by an executed and unrevoked proxy in the form
enclosed will be voted in accordance with the instructions contained therein.&#160;
If no instructions are given on an executed and returned form of
proxy, the proxies intend to vote the shares represented thereby in favor of
each of the proposals to be presented to and voted upon by the shareholders as
set forth herein.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Board of Directors knows of no other matters to be presented at the
Meeting.&#160; If any other matter should be presented at the Meeting upon which a
vote may be properly taken, shares represented by an executed and unrevoked
proxy received by the Board of Directors may be voted with respect thereto in
accordance with the judgment of the proxies.&#160;
The proxy also confers on the proxies the discretionary authority to
vote with respect to any matter presented at the Meeting for which advance
notice was not received by the Company in accordance with the Company&#146;s Amended
and Restated Bylaws.</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Revocability of Proxies</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
proxy given by a shareholder may be revoked by such shareholder at any time
before it is exercised by submitting to the Secretary of the Company a duly executed
proxy bearing a later date, delivering to the Secretary of the Company a
written notice of revocation, or attending the Meeting and voting in
person.&#160; In the event a shareholder&#146;s
shares are held in street name, such shareholder must contact his bank or
broker to revoke his proxy.</FONT></P>
<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 2 -</FONT></P>

<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>



<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Solicitation</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
cost of this solicitation of proxies is being borne by the Company.&#160;&#160; Solicitations will be made only by the use
of the mail, except that, if deemed desirable, officers and regular employees
of the Company may solicit proxies by telephone, telegraph or personal calls,
without being paid additional compensation for such services.&#160; Brokerage houses, custodians, nominees and
fiduciaries will be requested to forward the proxy soliciting material to the
beneficial owners of the common stock, par value $1.00 per share, of the Company
(the &#147;Common Stock&#148;) held of record by such persons, and the Company will
reimburse them for their reasonable expenses incurred in connection with such
forwarding.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Annual
Report</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company&#146;s Annual Report to Shareholders, including financial statements, for
the year ended December 31, 2003, as filed with the Securities and Exchange
Commission, accompanies but does not constitute part of this Proxy Statement.</FONT></P>
<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>VOTING
SHARES AND VOTING RIGHTS</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Only
holders of record of Common Stock at the close of business on March 1, 2004 (the
&#147;Record Date&#148;), are entitled to notice of and to vote at the Meeting and any
adjournments or postponements thereof.&#160;
At that time, there were outstanding 2,921,928 shares of Common Stock,
which is the only outstanding class of voting securities of the Company.&#160; A majority of the outstanding shares of
Common Stock must be represented at the Meeting in person or by proxy in order
to constitute a quorum for the transaction of business.&#160; Abstentions and shares held of record by a
broker or nominee that are voted on in any matter are included in determining
whether a quorum exists.&#160; Each holder of
Common Stock shall have one vote for each share of Common Stock registered on
the Record Date, in such holder&#146;s name on the books of the Company.</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
affirmative vote of the holders of a plurality of the outstanding shares of
Common Stock represented at the Meeting is required to elect the Class I
nominees to the Board of Directors.&#160;
Accordingly, the three Class I nominees receiving the highest number of
votes cast by the holders of Common Stock will be elected.&#160; There will be no cumulative voting in the
election of directors.&#160; A broker
non-vote or a withholding of authority to vote, with respect to one or more
nominees for director will not have the effect of a vote against such nominee
or nominees.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
affirmative vote of the holders of a majority of the outstanding shares of
Common Stock represented at the Meeting is required to approve the appointment
of the auditors.&#160; An abstention will
have the effect of a vote against the appointment.&#160; However, a broker non-vote will be deemed shares not present to
vote on such matter and will not count as votes for or against the proposal and
will not be included in calculating the number of votes necessary for approval
of such matter.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;A
broker non-vote occurs if a broker or other nominee of shares does not have
discretionary authority to vote the shares and has not received voting
instructions with respect to a particular matter.&#160; Under the applicable rules, all of the proposals for
consideration at the Meeting are considered discretionary items upon which
brokers or other nominees may vote in their discretion on behalf of their
clients if such clients have not furnished voting instructions.</FONT></P>
<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>ELECTION
OF DIRECTORS</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Election
Procedures and Term of Office</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Board of Directors currently consists of ten directors.&#160; In accordance with the Company&#146;s Amended and
Restated Bylaws, members of the Board of Directors are divided into three
classes, Class I, Class II and Class III.&#160;
The members of each class are elected for a term of office to expire at
the third succeeding annual meeting of shareholders following their
election.&#160; The term of office of the
current Class I directors expires at the Meeting. &#160;The terms of the Class II and Class III directors expire at the
annual meeting of shareholders in 2005 and 2006, respectively.&#160; Due in part to the death of one director,
the board of directors is recommending and, to a limited</FONT></P>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 3 -</FONT></P>

<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>



<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">extent, reconstituting,
Class I and Class II so that the classes of directors will be a nearly equal in
number as possible.&#160; Accordingly, Jonice
Crane, who is presently serving as a Class II director has been nominated as a
Class I director.&#160; The Board of
Directors, based upon the recommendation of the Company&#146;s independent
directors, has also nominated Carl Johnson, Jr. and Clifton A. Payne for the
election as Class I directors at the Meeting.&#160;
Messrs. Johnson and Payne are currently serving as Class I
directors.&#160; The three Class I nominees,
if elected at the Meeting, will serve until the annual meeting of shareholders
in 2007.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Class I nominees receiving the affirmative vote of the holders of a plurality
of the shares of Common Stock represented at the Meeting will be elected.&#160; Unless the authority to vote for the
election of directors is withheld as to one or more of the nominees, all shares
of Common Stock represented by proxy will be voted <B>FOR</B> the election of the three nominees.&#160; If the authority to vote for the election of
directors is withheld as to one but not all of the nominees, all shares of
Common Stock represented by any such proxy will be voted <B>FOR</B> the election of the nominee or
nominees, as the case may be, as to whom such authority is not withheld.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;If
a nominee becomes unavailable to serve as a director for any reason before the
election, the shares represented by proxy will be voted for such other person,
if any, as may be designated by the Board of Directors.&#160; The Board of Directors, however, has no
reason to believe that any nominee will be unavailable to serve as a
director.&#160; All of the nominees have
consented to being named herein and to serve if elected.</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Any
director vacancy occurring after the election may be filled only by a majority
of the remaining directors, even if less than a quorum of the Board of
Directors.&#160; A director elected to fill a
vacancy will be elected for the unexpired portion of the term of his
predecessor in office.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Nominees
for Election</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table sets forth information with respect to each nominee for
election as a director of the Company:</FONT></P>


<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Name</B></FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Age</B></FONT></P></TD>
  <TD WIDTH="6%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="47%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Positions with Company and<BR>
  Guaranty Bond Bank (the &#147;Bank&#148;)</B></FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="1%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="6%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="47%" VALIGN=TOP>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="47%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Carl
  Johnson, Jr.</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP BGCOLOR="AQUA">
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">48</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="47%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Class I
  Director of the Company;<BR>
  Director of the Bank</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="47%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Clifton A.
  Payne</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">46</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="47%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Class I
  Director and Sr. Vice President/ Secretary and Chief&nbsp;Financial
  Officer of the Company; Director,
  Executive Vice President and Chief
  Financial Officer of the Bank</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="47%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Jonice Crane</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP BGCOLOR="AQUA">
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">77</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="47%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Class II
  Director of the Company; <BR>
  Director of the Bank</FONT></P></TD>
 </TR>
</TABLE>



<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Carl
Johnson, Jr.&#160; </I>Mr. Johnson was appointed a director of the
Company in 2003 and has served as a director of the Bank since 1991.&#160; Mr. Johnson is a Certified Public Accountant
and has been a partner of Baker &amp; Johnson, PC for more than the past five
years.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Clifton A. Payne</I>.
Mr. Payne joined the Bank in 1984 after four years in private practice with a
Certified Public Accountant firm.&#160; He
became a Vice President of the Bank in 1986 and was elected an Executive Vice
President in 1996 and Chief Financial Officer in 1998.&#160; In 1995, Mr. Payne was elected to the Board
of Directors of the Company and the Bank.&#160;
Mr. Payne is also Senior Vice President / Secretary and Chief Financial
Officer of the Company.</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Jonice
Crane.</I> Ms. Crane joined the Bank in 1943 and had 53 years of
continuous service until her retirement as an officer of the Bank in 1996.&#160; She served as an Executive Vice President of
the Bank from 1971 to 1996 and has served as
a director of the Bank since 1971 and a director of the Company since its
inception in 1980.</FONT></P>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 4 -</FONT></P>

<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>



<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I><B>THE BOARD OF DIRECTORS RECOMMENDS A VOTE <U>FOR</U>
THE ELECTION OF EACH OF THE NOMINEES LISTED ABOVE FOR ELECTION TO THE BOARD OF
DIRECTORS.</B></FONT></P>
<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>CONTINUING
DIRECTORS AND EXECUTIVE OFFICERS</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I>The
following table sets forth certain information with respect to the Company&#146;s
Class II and Class III directors, whose terms of office do not expire at the
Meeting, and certain executive officers of the Company and the Bank (other than
Mr. Clifton A. Payne):</FONT></P>


<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Name</B></FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Positions</B></FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Age</B></FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=LEFT>


  </TD>
  <TD WIDTH="9%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=LEFT>


  </TD>
  <TD WIDTH="10%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=LEFT>


  </TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Tyson T.
  Abston</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Class III
  Director and Senior Vice<BR>
  President of the Company; Director<BR>
  and President of the Bank</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">38</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">C.A. Hinton,
  Sr.</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Class II
  Director of the Company;<BR>
  Director of the Bank</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">80</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Bill G.
  Jones</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Class III
  Director of the Company;<BR>
  Chairman of the Board of the Company;<BR>
  Vice Chairman of the Board of the Bank</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">74</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Kirk Lee</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Executive
  Vice President and Director<BR>
  of the Bank</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">42</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Weldon
  Miller</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Class III
  Director of the Company;<BR>
  Director of the Bank</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">68</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Bill
  Priefert</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Class III
  Director of the Company;<BR>
  Director of the Bank</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">55</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Byron M.
  Rhea</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Executive
  Vice President and Director<BR>
  of the Bank</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">47</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Arthur B.
  Scharlach, Jr.</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Class II
  Director and President and Chief <BR>
  Executive Officer of the Company; Director<BR>
  Chairman of the Board and Chief Executive Officer of the Bank</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">64</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="9%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Gene Watson</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="44%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Class II
  Director of the Company;<BR>
  Director the Bank</FONT></P></TD>
  <TD WIDTH="10%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">67</FONT></P></TD>
 </TR>
</TABLE>


<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Tyson
T. Abston. </I>Mr. Abston joined the Bank as Senior Vice
President in 1997 after serving five years as Executive Vice President of a
Northeast Texas bank.&#160; He became
President of the Texarkana location in 1997 and then in 1999 transferred to
Mount Pleasant and was elected as Executive Vice President of the Bank.&#160; Mr. Abston has served as a director of the
Bank since 1999 and a director of the Company since 2002.&#160; In 2002, Mr. Abston was elected President of
the Bank and Senior Vice President of the Company.</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;C.A.
Hinton, Sr. </I>Mr.
Hinton has served as a director of the Bank since 1960 and as a director of the
Company since its inception in 1980.&#160;
Mr. Hinton has been the Chairman of Hinton Production Company in Mount
Pleasant, Texas for more than the past five years.</FONT></P>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 5 -</FONT></P>


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<PAGE>



<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bill G. Jones.&#160; </I>Mr. Jones joined the Bank as President
and a director in 1969 and became Chairman of the Board in 1979.&#160; He retired as an officer of the Bank in 1996
but continued to serve as Chairman of the Board.&#160; In 2002, Mr. Jones was elected to Vice Chairman of the Board of
the Bank.&#160; Mr. Jones has been Chairman
of the Board of the Company since 1992.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Kirk Lee.&#160;
</I>Mr. Lee joined the Bank in 1992 and served as
the President of the Paris location until 2002 when he was elected Executive
Vice President of the Bank.&#160; Mr. Lee was
also elected to the Bank&#146;s Board of Directors in 2002.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Weldon Miller.&#160; </I>Mr. Miller became a director of the
Company in 1980 and has served as a director of the Bank since 1969.&#160; Mr. Miller has been the President of
Everybody&#146;s Furniture Company in Mount Pleasant, Texas for more than the past
five years.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Bill Priefert.&#160; </I>Mr. Priefert has served as a director of
the Bank since 1983 and a director of the Company since 2002.&#160; Mr. Priefert has been President of Priefert
Manufacturing, Inc. in Mount Pleasant, Texas for more than the past five years.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Byron M. Rhea.&#160; </I>Mr. Rhea joined the Bank in 1980 and
serves as Executive Vice President and Senior Credit Officer.&#160; Mr. Rhea was elected to the Bank&#146;s Board of
Directors in 1998.</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Arthur B. Scharlach, Jr</I>.
Mr. Scharlach is President, Chief
Executive Officer and a director of the Company and Chairman of the Board and
Chief Executive Officer of the Bank.&#160;
He joined the Bank in 1970 as a Vice President and Loan Officer and was
elected to the Bank&#146;s Board of Directors in 1971.&#160; He was elected a Senior Vice President of the Bank in 1974,
President in 1979, Chief Operating Officer in 1983 and Chief Executive Officer
in 1989.&#160; In 2002 he was elected to
Chairman and CEO of the Bank.&#160; He has
served as a director of the Company since its inception and as President since
1992 and in 2002 was elected Chief Executive Officer.&#160; </FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Gene Watson</I>.&#160; Mr. Watson has served as a director of the
Bank since 1999 and a director of the Company since 2002.&#160; He had been the Chairman and a director
since 1981 of First American Financial Corporation, which was acquired by the
Company in September 1999.&#160; Mr. Watson
retired from Watson Company Realtors in Sulphur Springs, Texas in 1999.</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I>Each
officer of the Company is elected by the Board of Directors of the Company and
holds office until his successor is duly elected and qualified or until his or
her earlier death, resignation or removal.</FONT></P>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>CORPORATE
GOVERNANCE</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;General</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I>The
Company periodically reviews its corporate governance policies and procedures
to ensure that the Company meets the highest standards of ethical conduct,
reports financial and other results with accuracy and transparency and is in
full compliance with the laws, rules and regulations that govern the Company&#146;s
operations.&#160; </FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Meetings
of the Board of Directors</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I>The
Board of Directors of the Company held 12 meetings during 2003.&#160; None of the directors attended less than 75%
of the aggregate of the (i) total number of meetings of the Board and (ii)
total number of meetings held by committees on which each such director served,
except for Mr. D.R.Zachry, Jr. who did not attend any of such meetings.&#160; Mr. Zachry served as a director of the
Company from 1980 until his death in January 2004.</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Committees
of the Board of Directors</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</I>The
Board of Directors has two committees, the Audit Committee and Compensation
Committee, which are described below.</FONT></P>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 6 -</FONT></P>


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<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>




<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Audit
Committee</I></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The primary purpose of the Audit Committee
is to provide independent and objective oversight with respect to the Company&#146;s
financial reports and other financial information provided to shareholders and
others.&#160; The committee also provides
oversight on the Company&#146;s internal controls and the Company&#146;s audit,
accounting and financial reporting processes generally.&#160; The Audit Committee reports to the Board of
Directors concerning such matters.&#160; The
Audit Committee reviews the general scope of the audit conducted by the
Company&#146;s independent auditors and matters relating to the Company&#146;s internal
control systems.&#160; In performing its
function, the Audit Committee meets separately with representatives of the
Company&#146;s independent auditors and with representatives of senior
management.&#160; During 2003, the Audit
Committee held 15 meetings.&#160; The Audit
Committee is comprised of Messrs. Miller (Chairman), Watson and Johnson, each
of whom is an independent director of the Company as defined in Rule
4200(a)(14) of The Nasdaq Stock Market, Inc. listing standards.&#160; During 2003, the Company added Mr. Johnson
to its audit committee.&#160; The Board of
Directors has determined that Mr. Johnson has the requisite attributes of an
&#147;audit committee financial expert&#148; as defined by SEC regulations and that such
attributes were acquired through relevant education and/or experience.&#160; The Board of Directors has also determined
that Mr. Johnson is &#147;independent&#148; as defined by the listing standards of The
Nasdaq Stock Market, Inc.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compensation
Committee</I></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Compensation Committee is responsible for making recommendations to the Board
of Directors with respect to the compensation of the Company&#146;s executive
officers and is responsible for the establishment of policies dealing with
various compensation and employee benefit matters.&#160; The Compensation Committee also administers the Company&#146;s stock
option plan and makes recommendations to the Board of Directors as to option
grants to Company and Bank employees under such plan.&#160; During 2003, the Compensation Committee held four meetings.&#160; The Compensation Committee is comprised of
Messrs. Miller (Chairman), Hinton, Watson and Ms. Crane, each of whom is an
outside director.</FONT></P>

<P><b><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Compensation
Committee Interlocks and Insider Participation</FONT></b></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Compensation Committee consists of Jonice Crane, C.A. Hinton, Sr., Weldon
Miller, and Gene Watson each of whom is an outside director of the
Company.&#160; During 2003, no member of the
Compensation Committee was an officer or employee of the Company or the
Bank.&#160; </FONT></P>
<P><b><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Nominating
Procedures</FONT></b></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>General.</B></I>&#160;&#160; The Company does not have a standing
nominating committee.&#160; The director
nominees to be elected at this meeting were recommended for nomination to the
Board of Directors by a majority of the Company&#146;s independent directors, as
defined under the rules of The Nasdaq Stock Market, Inc.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
independent directors will consider nominees to serve as directors of the
Company and recommend such persons to the Board of Directors.&#160; The independent directors will also consider
director candidates recommended by shareholders who appear to be qualified to serve
on the Company&#146;s Board of Directors. The independent directors may choose not
to consider an unsolicited recommendation if no vacancy exists on the Board of
Directors and the independent directors do not perceive a need to increase the
size of the board.&#160; In order to avoid
the unnecessary use of the director&#146;s resources, the independent directors will
consider only those director candidates recommended in accordance with the
procedures set forth below.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<B>Procedures to be Followed by Shareholders.</B></I>&#160; To submit a recommendation of a director
candidate to the independent directors, a shareholder should submit the
following information in writing, addressed to the Chairman of the Board, care
of the Corporate Secretary, at the Company&#146;s main office:</FONT></P>

<TABLE ALIGN=CENTER  border=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">1.</FONT></P>
  </TD>
  <TD WIDTH="95%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">The name of the person recommended as a director
  candidate;</FONT></P></TD>
 </TR>
<TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;</FONT></P></TD>
  <TD WIDTH="95%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;</FONT></P></TD>
</TR>


 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">2.</FONT></P></TD>
  <TD WIDTH="95%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">All information relating to such person that is
  required to be disclosed in solicitations of proxies for election of
  directors pursuant to Regulation 14A under the Securities Exchange Act of
  1934, as amended;</FONT></P></TD>
 </TR>
</TABLE>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 7 -</FONT></P>

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<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>


<BR>
<TABLE ALIGN=CENTER  border=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="4%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="95%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="4%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">3.</FONT></P></TD>
  <TD WIDTH="95%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">The written consent of the person being recommended
  as a director candidate to being named in the proxy statement as a nominee
  and to serving as a director if elected;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="4%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="95%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="4%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">4.</FONT></P></TD>
  <TD WIDTH="95%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">As to the shareholder making the recommendation, the
  name and address, as they appear on the Company&#146;s books, of such shareholder;
  provided, however, that if the shareholder is not a registered holder of the
  Company&#146;s Common Stock, the shareholder should submit his or her name and
  address along with a current written statement from the record holder of the
  shares that reflects ownership of the Company&#146;s Common Stock; and</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="4%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="95%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="4%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">5.</FONT></P></TD>
  <TD WIDTH="95%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">A statement disclosing whether such shareholder is
  acting with or on behalf of any other person and, if applicable, the identity
  of such person.</FONT></P></TD>
 </TR>
</TABLE>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
order for a director candidate to be considered for nomination at the Company&#146;s
annual meeting of shareholders, the recommendation must be received by the
Board of Directors at least 120 calendar days prior to the date the Company&#146;s
proxy statement was released to shareholders in connection with the previous
year&#146;s annual meeting, advanced by one year.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Criteria
for Director Nominees.</I></B>&#160;
The Board of Directors has adopted a set of criteria that it considers
when it selects individuals to be nominated for election to the Board of
Directors.&#160; The Board of Directors has
historically considered the following in selecting nominees: financial,
regulatory and business experience; familiarity with and participation in the
Bank&#146;s local communities; integrity, honesty and reputation; dedication to the
Company and its shareholders; and any other factors the directors deem
relevant, including size of the Board of Directors and regulatory disclosure
obligations.&#160; The independent directors
considered these same criteria when they recommended the nominees for election
at the 2004 annual meeting of shareholders.</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition, prior to nominating an existing director for re-election to the Board
of Directors, the independent directors and the Board will consider and review
an existing director&#146;s board and committee attendance and performance; length
of board service; and experience, skills and contributions that the existing
director brings to the board.</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Process
for Identifying and Evaluating Director Nominees.</I></B>&#160; Pursuant to Board resolutions, the
independent directors of the Company are responsible for the process relating
to director nominations, including identifying, interviewing and selecting
individuals who may be nominated for election to the Board of Directors. The
process that the independent directors intend to follow when they identify and
evaluate individuals to be nominated for election to the Board of Directors is
as follows:</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Identification</I>.
For purposes of identifying nominees for the Board of Directors, the
independent directors will rely on personal contacts of the members of the
Board of Directors as well as their knowledge of members of the Bank&#146;s local
communities. The independent directors will also consider director candidates
recommended by shareholders in accordance with the policy and procedures set
forth above in the paragraph titled &#147;Procedures to be Followed by
Shareholders.&#148; The Board has not previously
used an independent search firm in identifying nominees.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Evaluation</I>.
In evaluating potential nominees, the independent directors will determine
whether the candidate is eligible and qualified for service on the Board of
Directors by evaluating the candidate under the selection criteria set forth
above. In addition, for any new director nominee, the independent directors
intend to conduct a check of the individual&#146;s background and interview the
candidate.</FONT></P>


<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Shareholder
Communications</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company encourages shareholder communications to the Board of Directors and/or
individual directors. Written communications may be made to the Board of
Directors or to specific members of the Board by delivering them to the
intended addressee, care of the Corporate Secretary, Guaranty Bancshares, Inc.,
100 West Arkansas, Mount Pleasant, Texas 75455.</FONT></P>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 8 -</FONT></P>

<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>




<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition, the Board of Directors encourages directors to attend the annual
meeting of shareholders.&#160; Ten directors
attended the Company&#146;s 2003 annual meeting of shareholders held on April 15,
2003.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Independent
Directors</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company&#146;s Board of Directors is comprised of ten directors.&#160; The Board of Directors has determined that
the following directors are independent directors under the corporate listing
standards of The Nasdaq Stock Market, Inc.: Ms. Crane, Messrs. Hinton, Johnson,
Miller, Priefert and Watson.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Director
Compensation</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Directors
of the Company receive fees for attending Company Board meetings.&#160; Directors who are also employees of the
Company or the Bank are paid $250 for each meeting attended, and outside
directors are paid $500 for each meeting attended.&#160; The Board of Directors of the Bank also meets monthly.&#160; Directors of the Bank who are also employees
of the Bank are paid $450 for each meeting of the Bank&#146;s Board of Directors
attended, and outside directors are paid $600 for each meeting attended.&#160; An Executive Committee of the Bank meets
weekly and consists of all current members of the Board of Directors of the
Company.&#160; Directors who are also
employees of the Bank are paid $275 for each Executive Committee meeting
attended and outside directors are paid $350 for each Executive Committee meeting
attended.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Code
of Ethics</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company&#146;s Board of Directors has adopted a Code of Ethics that applies to the
Chief Executive Officer and the Chief Financial Officer.&#160; A copy of the Code of Ethics can be obtained
at no charge by making a written request to the Corporate Secretary, Guaranty
Bancshares, Inc., 100 W Arkansas St., Mount Pleasant, Texas 75455.</FONT></P>
<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 9 -</FONT></P>

<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>



<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>EXECUTIVE
COMPENSATION AND OTHER MATTERS</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Summary
Compensation Table</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table provides certain summary information concerning compensation
paid or accrued by the Company to or on behalf of the Company&#146;s Chief Executive
Officer and each of the other five most highly compensated Executive Officers
of the Company and the Bank (determined as of the end of the last fiscal year)
(&#147;named executive officers&#148;) for each of the three fiscal years ended December
31, 2003:</FONT></P>
<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="17%" COLSPAN="5" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Annual&nbsp;Compensation</B></FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" COLSPAN="3" ROWSPAN="3" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Securities<BR>
  Underlying<BR>
  Options</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" COLSPAN="3" ROWSPAN="3" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>All&nbsp;Other<BR>
  Compensation</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="17%" COLSPAN="5" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Name and Principal Position</B></FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Year</B></FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Salary</B></FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Bonus</B></FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" COLSPAN="3" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" COLSPAN="3" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Bill
  G. Jones</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2003</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">55,200</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">16,533</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">-</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">39,809</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(1)</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Chairman
  of the Board</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2002</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">53,400</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">17,422</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">-</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">40,638</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2001</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">51,000</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">13,640</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">-</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">40,190</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Arthur
  B. Scharlach, Jr.</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2003</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">266,548</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">64,230</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">-</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">139,420</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(2)</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;President
  and Chief Executive Officer</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2002</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">256,625</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">68,034</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">-</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">131,280</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2001</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">243,130</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">56,254</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">-</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">123,574</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Tyson
  T. Abston</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2003</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">138,125</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">46,593</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">5,000</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">15,810</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(3)</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Senior
  Vice President</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2002</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">123,565</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">41,361</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">-</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">16,194</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2001</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">100,174</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">32,910</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">-</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">13,638</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Clifton
  A. Payne</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2003</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">125,700</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">42,955</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">3,000</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">15,236</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(4)</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Senior
  Vice President and Chief Financial Officer</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2002</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">120,450</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">45,515</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">-</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">16,840</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2001</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">114,200</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">37,376</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">-</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">15,724</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Kirk
  Lee</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2003</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">111,000</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">34,970</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">2,500</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">12,641</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(5)</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executive
  Vice President of the Bank</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2002</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">104,292</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">32,760</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">1,000</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">13,384</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2001</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">97,111</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">25,988</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">-</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">12,368</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Byron
  M. Rhea</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2003</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">132,600</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">35,403</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">1,000</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">14,882</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(6)</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executive
  Vice President of the Bank</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2002</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">129,313</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">37,631</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">-</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">16,603</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="44%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN">2001</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">115,733</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">31,180</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">-</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">15,656</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
</TABLE>


<HR SIZE=1 WIDTH="25%" NOSHADE COLOR=BLACK ALIGN=LEFT>


<BR>
<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(1)</FONT></P></TD>
  <TD WIDTH="92%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Consists of contributions by the Company to the
  401(k) Plan of $4,483, $5,312, and $4,864 in 2003, 2002 and 2001,
  respectively, and the payment of $35,326, $35,326 and $35,326 in 2003, 2002
  and 2001, respectively, in connection with a supplemental retirement plan.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="92%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(2)</FONT></P></TD>
  <TD WIDTH="92%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Consists of contributions by the Company to the
  401(k) Plan of $12,500, $15,000 and $12,750 in 2003, 2002 and 2001,
  respectively, and the accrual of $126,920, $116,280 and $110,824 in 2003,
  2002 and 2001, respectively, in connection with a salary continuation plan.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="92%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(3)</FONT></P></TD>
  <TD WIDTH="92%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Consists of contributions by the Company to the 401(k)
  Plan of $10,722, $11,655 and $9,821 in 2003, 2002, and 2001, respectively,
  and the accrual of $5,088, $4,539 and $3,817, in 2003, 2002 and 2001,
  respectively, in connection with an incentive retirement plan.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="92%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(4)</FONT></P></TD>
  <TD WIDTH="92%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Consists of contributions by the Company to the
  401(k) Plan of $10,280, $12,094 and $11,156 in 2003, 2002 and 2001,
  respectively, and the accrual of $4,956, $4,746, and $4,568 in 2003, 2002 and
  2001, respectively, in connection with an incentive retirement plan.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="92%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(5)</FONT></P></TD>
  <TD WIDTH="92%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Consists of contributions by the Company to the
  401(k) Plan of $8,561, $9,604 and $8,928 in 2003, 2002 and 2001,
  respectively, and the accrual of $4,080, $3,780 and $3,440 in 2003, 2002 and
  2001, respectively, in connection with an incentive retirement plan.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="92%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(6)</FONT></P></TD>
  <TD WIDTH="92%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Consists of contributions by the Company to the
  401(k) Plan of $9,938, $11,803 and $11,038 in 2003, 2002 and 2001,
  respectively, and the accrual of $4,944, $4,800 and $4,618 in 2003, 2002 and
  2001, respectively, in connection with an incentive retirement plan.</FONT></P></TD>
 </TR>
</TABLE>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 10 -</FONT></P>

<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>



<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Stock
Option Plan</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company&#146;s Board of Directors and shareholders approved the Guaranty Bancshares,
Inc. 1998 Stock Incentive Plan in 1998 (the &#147;1998 Plan&#148;), which authorizes the
issuance of up to 1,000,000 shares of Common Stock under both &#147;non-qualified&#148;
and &#147;incentive&#148; stock options to employees and &#147;non-qualified&#148; stock options to
directors who are not employees.&#160;
Generally, under the 1998 Plan it is intended that the options will vest
20% at the end of the first year following the date of grant and an additional
20% at the end of each subsequent year and becoming fully vested at the end of
year five.&#160; Options under the 1998 Plan
generally must be exercised within ten years following the date of grant or no
later than three months after optionee&#146;s termination with the Company, if
earlier.&#160; The 1998 Plan also provides
for the granting of restricted stock awards, stock appreciation rights, phantom
stock awards and performance awards on substantially similar terms.&#160; The l998 Plan provides that in the event of
a change in control of the Company, all options granted immediately vest and
become exercisable.&#160; In addition, the
1998 Plan permits the Compensation Committee, which administers the 1998 Plan,
discretion in the event of a change in control to modify in certain respects
the term of awards under the 1998 Plan, including (i) providing for the payment
of cash in lieu of such award, (ii) limiting the time during which an option
may be exercised (iii) making adjustments to options to reflect the change in
control and (iv) providing that options shall be exercisable for another form
of consideration in lieu of the Common Stock pursuant to the terms of the
transaction resulting in a change in control.&#160;
For the year ended December 31, 2003, 40,000 options were granted under
the 1998 Plan, 29% of which were granted to the named executive officers.&#160; Options to purchase an additional 853,500
shares are available for issuance under the 1998 Plan.&#160;&#160; Certain other named officers have
previously received stock options as indicated on page 12 under &#147;Stock Option
Exercises and Fiscal Year-End Option Values&#148;.</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Option
Grants in Last Fiscal Year</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table sets forth certain information concerning option grants to each
of the named executive officers for the year ended December 31, 2003:</FONT></P>

<P align=center><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Option
Grants for Year Ended December 31, 2003</B></FONT></P>
<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="21%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="46%" COLSPAN="13" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Individual&nbsp;Grants</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="26%" COLSPAN="9" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Potential&nbsp;Realizable&nbsp;Value&nbsp;at</B><B><BR>Assumed&nbsp;Annual&nbsp;Rates</B><B><BR>of&nbsp;Stock&nbsp;Price<BR>
  Appreciation&nbsp;for&nbsp;Options&nbsp;Term&nbsp;(1</B><B>)</B></FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="21%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="46%" COLSPAN="13" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="26%" COLSPAN="9" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
 </TR>
 <TR>
  <TD WIDTH="21%" VALIGN=BOTTOM ALIGN=CENTER>
  <P><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>Name</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" COLSPAN="3" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Number</B><B><BR>of&nbsp;Shares</B><B><BR>Underlying</B><B><BR>Options</B></FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="10%" COLSPAN="3" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>%&nbsp;of&nbsp;Total<BR>
  Options</B><B><BR>Granted&nbsp;To</B><B><BR>Employees</B><B><BR>In&nbsp;the&nbsp;Year</B></FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Exercise</B><B><BR>Price</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="10%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Expiration</B><B><BR>Date</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="12%" COLSPAN="4" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>5%</B><B><BR>Appreciation<BR>
  Gain</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="11%" COLSPAN="4" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>10%</B><B><BR>Appreciation</B><B><BR>Gain</B></FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="21%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="9%" COLSPAN="3" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="10%" COLSPAN="3" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="7%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="10%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="12%" COLSPAN="4" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="11%" COLSPAN="4" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
 </TR>
 <TR>
  <TD WIDTH="21%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" COLSPAN="2" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" COLSPAN="2" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" COLSPAN="2" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="21%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Tyson T.
  Abston</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">5,000</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">12.5</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">%</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">15.23</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">4/29/2011</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">36,350</FONT></P></TD>
  <TD WIDTH="3%" COLSPAN="2" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">87,100 </FONT></P></TD>
  <TD WIDTH="3%" COLSPAN="2" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="21%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Clifton A.
  Payne</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">3,000</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">7.50</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">15.23</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">4/29/2011</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">21,810</FONT></P></TD>
  <TD WIDTH="3%" COLSPAN="2" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">52,260 </FONT></P></TD>
  <TD WIDTH="3%" COLSPAN="2" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="21%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Kirk Lee</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">2,500</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">6.25</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">15.23</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">4/29/2011</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">18,175</FONT></P></TD>
  <TD WIDTH="3%" COLSPAN="2" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">43,550 </FONT></P></TD>
  <TD WIDTH="3%" COLSPAN="2" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="21%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Byron M Rhea</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">1,000</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">2.50</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">15.23</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">4/29/2011</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">7,270</FONT></P></TD>
  <TD WIDTH="3%" COLSPAN="2" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">17,420 </FONT></P></TD>
  <TD WIDTH="3%" COLSPAN="2" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>

  <TD WIDTH=157></TD>
  <TD WIDTH=15></TD>
  <TD WIDTH=8></TD>
  <TD WIDTH=41></TD>
  <TD WIDTH=22></TD>
  <TD WIDTH=11></TD>
  <TD WIDTH=11></TD>
  <TD WIDTH=34></TD>
  <TD WIDTH=34></TD>
  <TD WIDTH=22></TD>
  <TD WIDTH=12></TD>
  <TD WIDTH=44></TD>
  <TD WIDTH=20></TD>
  <TD WIDTH=7></TD>
  <TD WIDTH=68></TD>
  <TD WIDTH=17></TD>
  <TD WIDTH=26></TD>
  <TD WIDTH=7></TD>
  <TD WIDTH=46></TD>
  <TD WIDTH=10></TD>
  <TD WIDTH=15></TD>
  <TD WIDTH=14></TD>
  <TD WIDTH=4></TD>
  <TD WIDTH=52></TD>
  <TD WIDTH=14></TD>
  <TD WIDTH=9></TD>
 </TR>
</TABLE>
<BR>

<HR SIZE=1 WIDTH="25%" NOSHADE COLOR=BLACK ALIGN=LEFT>



<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(1) Options to purchase 40,000
shares of common stock were granted to the Company&#146;s employees during 2003. </FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(2) The potential realizable value
portion of the foregoing table illustrates values that might be realized upon
exercise of the options immediately prior to the expiration of their term
assuming the specified compounded rates of appreciation of the Company&#146;s Common
Stock over the term of the options.&#160;
These numbers do not take into account provisions of certain options
providing for termination of the options following termination of employment,
non-transferability or differences in vesting periods.&#160; Regardless of the theoretical value of an
option, its ultimate value will depend on the market value of the Common Stock
at a future date, and that value will depend on a variety of factors, including
the overall condition of the stock market and the Company&#146;s results of
operations and financial condition.&#160;
Accordingly, the ultimate value realized may be materially different
from the amounts presented in the foregoing table.</FONT></P>
<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 11 -</FONT></P>

<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>



<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Stock
Option Exercises and Fiscal Year-End Option Values</B></FONT></P>
<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Aggregated
Options Exercised for the Year Ended December 31, 2003 and<BR>
Year End Option Values as of December 31, 2003</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table sets forth certain information concerning the number and value
of unexercised options held by each of the named executive officers at December
31, 2003.&#160; No stock options were
exercised by the named executive officers during 2003.</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="22%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" COLSPAN="5" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Number&nbsp;of&nbsp;Securities</B><B><BR>Underlying&nbsp;Unexercised</B><B><BR>Options&nbsp;at&nbsp;December&nbsp;31,&nbsp;2003</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Value&nbsp;of&nbsp;Unexercised&nbsp;In-The-Money</B><B><BR>Options&nbsp;at&nbsp;December&nbsp;31,&nbsp;2003(1</B><B>)</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="22%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" COLSPAN="5" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="21%" COLSPAN="9" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
 </TR>
 <TR>
  <TD WIDTH="22%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="12%" COLSPAN="3" ROWSPAN="3" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Number&nbsp;of</B><B><BR>Shares</B><B><BR>Acquired&nbsp;on<BR>
  Exercise</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="3" ROWSPAN="3" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Dollar</B><B><BR>Value</B><B><BR>Realized</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" COLSPAN="5" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="21%" COLSPAN="9" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="22%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="22%" COLSPAN="5" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="21%" COLSPAN="9" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="22%" VALIGN=BOTTOM>
  <P><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>Name</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Exercisable</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="10%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Unexercisable</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" COLSPAN="4" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Exercisable</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" COLSPAN="4" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Unexercisable</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="22%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="12%" COLSPAN="3" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="8%" COLSPAN="3" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="9%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="10%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="9%" COLSPAN="4" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="9%" COLSPAN="4" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
 </TR>
 <TR>
  <TD WIDTH="22%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="22%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Arthur B. Scharlach, Jr.</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">_</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">_</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">16,000</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">4,000</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">328,800</FONT></P></TD>
  <TD WIDTH="4%" COLSPAN="2" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">82,200</FONT></P></TD>
  <TD WIDTH="3%" COLSPAN="2" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="22%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Tyson T. Abston</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">_</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">_</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">8,000</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">7,000</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">164,400</FONT></P></TD>
  <TD WIDTH="4%" COLSPAN="2" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">143,850</FONT></P></TD>
  <TD WIDTH="3%" COLSPAN="2" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="22%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Clifton A. Payne</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">_</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">_</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">8,000</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">5,000</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">164,400</FONT></P></TD>
  <TD WIDTH="4%" COLSPAN="2" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">102,750</FONT></P></TD>
  <TD WIDTH="3%" COLSPAN="2" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="22%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Kirk Lee</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">_</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">_</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">6,400</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">4,600</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">131,520</FONT></P></TD>
  <TD WIDTH="4%" COLSPAN="2" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">94,530</FONT></P></TD>
  <TD WIDTH="3%" COLSPAN="2" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="22%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Byron M. Rhea</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">_</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">_</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">8,000</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">3,000</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">164,400</FONT></P></TD>
  <TD WIDTH="4%" COLSPAN="2" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">61,650</FONT></P></TD>
  <TD WIDTH="3%" COLSPAN="2" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>

  <TD WIDTH=164></TD>
  <TD WIDTH=18></TD>
  <TD WIDTH=9></TD>
  <TD WIDTH=49></TD>
  <TD WIDTH=30></TD>
  <TD WIDTH=17></TD>
  <TD WIDTH=9></TD>
  <TD WIDTH=35></TD>
  <TD WIDTH=21></TD>
  <TD WIDTH=17></TD>
  <TD WIDTH=50></TD>
  <TD WIDTH=21></TD>
  <TD WIDTH=17></TD>
  <TD WIDTH=48></TD>
  <TD WIDTH=24></TD>
  <TD WIDTH=18></TD>
  <TD WIDTH=11></TD>
  <TD WIDTH=6></TD>
  <TD WIDTH=38></TD>
  <TD WIDTH=14></TD>
  <TD WIDTH=18></TD>
  <TD WIDTH=9></TD>
  <TD WIDTH=8></TD>
  <TD WIDTH=44></TD>
  <TD WIDTH=9></TD>
  <TD WIDTH=15></TD>
 </TR>
</TABLE>

<BR>
<HR SIZE=1 WIDTH="25%" NOSHADE COLOR=BLACK ALIGN=LEFT>


<BR>
<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(1)</FONT></P></TD>
  <TD WIDTH="96%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">The value of the unexercised
  options is based on the difference between the exercise price and the closing
  price of the Company common stock reported on the Nasdaq Stock Market on
  December 31, 2003 of $20.55.</FONT></P></TD>
 </TR>
</TABLE>


<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Bonus
Plan</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company has established an incentive compensation program (the &#147;Bonus Plan&#148;)
for its officers, including executive officers, and employees of the Company
and the Bank The Bonus Plan provides for a bonus pool in an amount based on a
graduated percentage of the Bank&#146;s return on equity.&#160; For the year ended December 31, 2003, the bonus pool is funded
with 9.5% of after-tax income based upon the Bank achieving a return on equity
of 9.74%. The bonus pool increases to a maximum of 12.0% of after-tax income if
the Bank achieves a return on equity of 14.53% or greater.&#160; The Bank&#146;s actual return on equity for the
year ended December 31, 2003 was 11.81% and the bonus pool was funded with
10.4% of after-tax income.&#160; The percent
of after-tax income used to fund the bonus pool and the minimum return on
equity requirements are determined annually by the Board of Directors based on
the Company&#146;s and the Bank&#146;s budget for that year.&#160; Allocation of the bonus pool is at the discretion of the Board of
Director&#146;s and is generally based upon management&#146;s recommendations regarding
an employee&#146;s merit.&#160; The bonus pool was
$597,000, $874,000, and $679,000 for the year ended December 31, 2003, 2002 and
2001, respectively.</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Benefit
Plans</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Employee</I> <I>Stock Ownership Plan.&#160; </I>Effective January 1, 1992, the
Board of Directors of the Company voted to restate the existing 401(k) profit
sharing (defined contribution) plan as an Employee Stock Ownership Plan (with
401(k) provisions) (&#147;401(k) Plan&#148;).&#160; The
401(k) Plan covers substantially all employees of the Company and five persons,
three of whom are members of the Company&#146;s Board of Directors, serve as
trustees.&#160; The 401(k) Plan calls for an
employer matching contribution on behalf of each 401(k) Plan participant of up
to 4.0% of such participant&#146;s qualified compensation.&#160; At December 3l, 2003, the book value of 401(k) Plan assets was
approximately $7.2 million, with an approximate market value of $13.5
million.&#160; Contributions to the 401(k)
Plan charged to expenses are as follows:</FONT></P>
<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 12 -</FONT></P>

<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>


<BR>
<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="74%">
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="29%" COLSPAN="8" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>Years&nbsp;Ended&nbsp;December&nbsp;31,</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="29%" COLSPAN="8" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>2003</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>2002</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>2001</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR bgcolor=aqua>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">401(k) plan expense</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">410,000</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">462,000</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">390,000 </FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
</TABLE>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Supplemental
Retirement Plan.&#160; </I>In
l992, the Company established a non-qualified, non-contributory retirement plan
for the Company&#146;s Chairman Bill G. Jones who retired from the Bank in
1996.&#160; The plan generally provides
benefits equal to amounts payable under the Bank&#146;s retirement plan and certain
social security benefits to aggregate a predetermined percentage of Mr. Jones&#146;
average salary over the five year period immediately prior to his retirement.&#160; Accordingly, this plan amount is not based
on the salary and bonus of Mr. Jones as listed in the Summary Compensation
Table on page 8.&#160;&#160; The recorded accrued
liability with respect to this plan accrues an annual interest rate of 9%.&#160; The Company pays to Mr. Jones $35,326 each
year with respect to this plan without withholding any social security tax from
such amount.&#160;&#160;&#160; Plan expenses are as
follows:</FONT></P>
<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="74%">
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="29%" COLSPAN="8" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>Years&nbsp;Ended&nbsp;December&nbsp;31,</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="29%" COLSPAN="8" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>2003</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>2002</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>2001</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Supplemental retirement plan expense</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">9,000</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">11,000</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">13,000</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
</TABLE>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Executive
Incentive Retirement Plan.&#160; </I>In
1998, the Company established a non-qualified, non-contributory incentive
retirement plan for certain executive officers of the Company and the
Bank.&#160; The plan provides retirement
benefits in amounts based on a selected percentage of salary, which varies
depending upon each officer&#146;s responsibility and longevity with the Company or
the Bank.&#160; Accordingly, an executive
officer&#146;s bonus as listed in the Summary Compensation Table on page 8 is not
used in calculating this benefit.&#160; The
percentage of salary which is contributed to the retirement plan by the Company
is determined by the performance of the Company, however, no contribution to
this plan is made in any given year in which the Company&#146;s earnings fail to
meet the minimum targeted performance goal for that year.&#160; The executive officer is not required to pay
social security tax until a payment is received by the executive officer under
the plan.&#160; The plan is non-funded.&#160; Plan expenses are as follows:</FONT></P>
<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="74%">
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="29%" COLSPAN="8" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>Years&nbsp;Ended&nbsp;December&nbsp;31,</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="29%" COLSPAN="8" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>2003</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>2002</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>2001</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Executive incentive retirement plan expense</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">51,000</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">50,000</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">35,000 </FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
</TABLE>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Salary
Continuation Plan.&#160; </I>In
August 1998, the Company established a non-qualified, non-contributory salary
continuation plan for the Company&#146;s President and CEO Arthur B. Scharlach,
Jr.&#160;&#160; The plan is designed to provide
benefits over a ten-year period equal to approximately 75% of Mr. Scharlach&#146;s
projected compensation at retirement as adjusted for amounts payable under the
Company&#146;s retirement plan and certain social security benefits.&#160; Mr. Scharlach pays social security tax on
this benefit on an annual basis.&#160;&#160; The
plan is non-funded.&#160; Plan expenses are
as follows:</FONT></P>
<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="74%">
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="29%" COLSPAN="8" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>Years&nbsp;Ended&nbsp;December&nbsp;31,</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="29%" COLSPAN="8" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>2003</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>2002</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>2001</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Salary continuation plan expense</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">127,000</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">116,000</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">111,000 </FONT></P></TD>
  <TD WIDTH="3%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
</TABLE>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>BOARD
COMPENSATION COMMITTEE REPORT ON EXECUTIVE COMPENSATION</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following is a report from the Compensation Committee of the Company describing
the policies pursuant to which
compensation is paid to executive officers of the Company and the Bank during
2003.</FONT></P>



<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 13 -</FONT></P>

<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Compensation Committee of the Board of Directors is responsible for developing
and making recommendations to the Board with respect to the Company&#146;s executive
compensation policies.&#160; Weldon Miller (Chairman), C.A. Hinton,
Sr., Gene Watson, and Jonice Crane serve on the Compensation Committee.&#160; The Compensation Committee prepares a report
which sets forth the components of the Company&#146;s executive officer compensation
program and describes the basis on which the 2003 compensation determinations
are made by the Compensation Committee with respect to the named executive
officers of the Company and the Bank.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Compensation
Philosophy and Base Salary</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Company believes that compensation of its executive officers should enhance and
reinforce the goals of the Company for profitable growth and continuation of a
sound overall condition by providing key employees with additional financial
rewards for the attainment of such growth and stable financial and operating
conditions.&#160;&#160; The Compensation Committee
believes that these goals are best supported by rewarding individuals for
outstanding contributions to the Company&#146;s success and by compensating its
executive officers competitively with the compensation of similarly situated
executive officers.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
base salary level for each officer is determined by taking into account
individual experience, individual performance, individual potential, cost of
living consideration and specific issues particular to the Company.&#160; Base salary level for executive officers of
selected banks and bank holding companies of similar size are taken into
consideration in setting an appropriate base salary for the named executive
officers of the Company and the Bank.&#160;
The base level established for each named executive officer is considered
by the Compensation Committee to be competitive and reasonable.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Compensation Committee monitors the base salary levels and the various
incentives of the named executive officers of the Company and the Bank to
ensure that overall compensation is consistent with the Company&#146;s objectives
and remains competitive within the area of the Company&#146;s operations.&#160; In setting the goals and measuring an
executive&#146;s performance against those goals, the Company considers the
performance of its competitors and general economic and market conditions.&#160; None of the factors included in the
Company&#146;s strategic and business goals are assigned a specific weight.&#160; Instead, the Compensation Committee
recognizes that the relative importance of these factors may change in order to
adapt the Company&#146;s operations to specific business challenges and to reflect
changing economic and marketplace conditions.</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Bonus
Plan</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition to the base salary, the Bonus Plan allows certain officers, including
the named executive officers of the Company and the Bank, to receive incentive
compensation, which is based on individual as well as Company performance.&#160; The aggregate amount of bonus awarded to all
eligible participants is based on the funding of the bonus pool.&#160; For the year ended December 31, 2003, the
maximum funding occurred if the Bank&#146;s return on equity was 14.53% or
greater.&#160; For 2003, the bonus pool was
funded with 10.4% of after-tax income.&#160;
The bonus pool is allocated among all employees, including the named
executive officers, of the Company and the Bank based on a number of factors
including level of responsibility, individual performance and Company and Bank
performance.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Contributory
Profit Sharing Plan</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition, each of the named executive officers are participants in the
Company&#146;s 401(k) Plan established pursuant to Internal Revenue Code Section
401(k) covering substantially all employees.&#160;
The Company matches employee contributions to this plan up to 4% of the
employee&#146;s base salary plus an additional profit sharing contribution of 2.25%
in 2003.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Incentive
Stock Options</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Stock
options have been the Company&#146;s primary form of long-term incentive
compensation.&#160; Each of the named
executive officers and other senior officers of the Company and the Bank are
eligible to participate in the Company&#146;s 1998 Plan.&#160; During the year ended December 31, 2003, there were 40,000
non-qualified stock options granted, 29% of which were granted to the named
executive officers.</FONT></P>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 14 -</FONT></P>

<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>



<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>2003
Compensation of the Chairman and the President and Chief Executive Officer </B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
reviewing the 2003 compensation of the Company&#146;s Chairman of the Board, Bill G.
Jones, and the Company&#146;s President and Chief Executive Officer, Arthur B.
Scharlach, Jr., the Compensation Committee undertook the same evaluation set
forth above with respect to its other executive officers.&#160; In addition, the Compensation Committee
reviewed each of their compensation history, and the executive compensation
survey data.&#160;&#160; </FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Base
Salary</I>.&#160; For
comparative compensation purposes for the year 2003, the Compensation Committee
identified a peer group of banks.&#160; The
base salary level for each executive officer is determined by taking into
account individual experiences, individual performance, individual potential,
cost of living consideration and specific issues particular to the
Company.&#160; The weight given to each of
these factors differs from individual to individual, as the Compensation
Committee deems appropriate.&#160; The
compensation levels for these executive officers for the year 2003 is within
the same range as other executive officers holding comparable positions at peer
group banks, based on the published 2002 market data for those banks.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
purposes of the stock price performance graph, which appears later in this
proxy statement, the Company has selected the S&amp;P 500 Total Return Index,
the NASDAQ Total Return Index, and the SNL Southwest Bank Index.&#160; However, in selecting companies to survey
for such comparison purposes, the Compensation Committee considers many factors
not directly associated with stock price performance, such as geographic
location, growth rate, annual revenue, profitability, and market
capitalization.&#160; For this reason, the
number of companies surveyed for compensation data was substantially less than
the number of companies included in the stock price performance graph.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Annual
Incentive Compensation</I>.&#160;
Annual bonuses are earned by each officer primarily on the basis of the
Company&#146;s achievement of certain corporate financial performance targets
established each year.&#160; For the year
ended December 31, 2003, bonuses were earned on the basis of the following
factors: (i) the Company&#146;s net earnings targets established for each six month
period; and (ii) the Company&#146;s achievement of certain established goals and
objectives for the year.&#160; The actual
bonus paid for the three years ended December 31, 2003 to each of the named
executive officers is listed in the Summary Compensation Table on page 10 as
indicated in the bonus column.</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<I>Actual Compensation</I>.&#160; Upon recommendation by the Compensation
Committee, the Board of Directors of the Company set Mr. Jones&#146; salary for 2003
at $55,200 and the Board of Directors of both the Company and the Bank set Mr.
Scharlach&#146;s salary for 2003 at $266,548. &#160;In addition to his base salary, Mr. Jones and Mr. Scharlach each
participates in the Company&#146;s Bonus Plan and the amount of bonus received is
based primarily on the Bank&#146;s return on equity.&#160; From the 2003 Bonus Plan, Mr. Jones earned a bonus of $16,533 resulting
in approximately 30% of his 2003 compensation being dependent on the success of
the Company, and Mr. Scharlach earned a bonus of $64,230 resulting in
approximately 24% of his 2003 compensation being dependent on the success of
the Company.&#160; The amount contributed by
the Company to the 401(k) Plan in fiscal year 2003 for the benefit of Mr. Jones
was $4,483 and for the benefit of Mr. Scharlach was $12,500.&#160; Mr. Jones also received a payment of $35,326
in 2003 pursuant to a supplemental retirement plan.&#160; During 2003, the Company accrued approximately $126,920 for the
benefit of Mr. Scharlach pursuant to a salary continuation plan.&#160; The Compensation Committee believes that each
of Mr. Jones and Mr. Scharlach&#146;s total compensation is reasonable and competitive
based on comparative performance information and the overall performance of the
Company.</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="58%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="41%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">The Compensation Committee</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="58%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="41%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="58%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="41%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Weldon Miller, Chairman</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="58%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="41%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">C. A. Hinton, Sr.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="58%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="41%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Jonice Crane</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="58%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="41%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Gene Watson</FONT></P></TD>
 </TR>
</TABLE>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 15 -</FONT></P>

<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>INTERESTS
OF MANAGEMENT AND OTHERS IN CERTAIN TRANSACTIONS</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Many
of the directors, executive officers and principal shareholders of the Company
(i.e., those who own 10% or more of the Common Stock) and their associates,
which include corporations, partnerships and other organizations in which they
are officers or partners or in which they and their immediate families have at
least a 5% interest, are customers of the Bank.&#160; During 2003, the Bank made loans in the ordinary course of
business to many of the directors, executive officers and principal
shareholders of the Company and their associates, all of which were on
substantially the same terms, including interest rates and collateral, as those
prevailing at the time for comparable transactions with persons unaffiliated
with the Company and did not involve more than the normal risk of
collectability or present other unfavorable features.&#160; Loans to directors, executive officers and principal shareholders
of the Company are subject to limitations contained in the Federal Reserve Act
the principal effect of which is to require that extensions of credit by the
Bank to executive officers, directors and principal shareholders and their
affiliates satisfy the foregoing standards.&#160;
As of December 31, 2003, all of such loans aggregated $17.5 million, which
was approximately 40.1% of the Company&#146;s Tier I capital at such date.&#160; The Company expects the Bank to continue to
enter into such transactions, or transactions on a similar basis, with the
directors, executive officers and principal shareholders of the Company and the
Bank and their associates in the future.</FONT></P>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 16 -</FONT></P>

<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>



<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>BENEFICIAL
OWNERSHIP OF COMMON STOCK BY<BR>
MANAGEMENT OF THE COMPANY AND PRINCIPAL SHAREHOLDERS</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table sets forth certain information regarding the beneficial
ownership of the Company Common Stock as of March 1, 2004, by (i) directors,
executive officers of the Company and certain officers of the Bank listed in
the Summary Compensation Table on page 10 herein, (ii) each person who is known
by the Company to own beneficially 5% or more of the Common Stock and (iii) all
directors and executive officers as a group.&#160;
Unless otherwise indicated, based on information furnished by such
shareholders, management of the Company believes that each person has sole
voting and dispositive power over the shares indicated as owned by such person
and the address of each shareholder is the same as the address of the Company.</FONT></P>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Name</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;&nbsp;</FONT></P></TD>
  <TD WIDTH="13%" COLSPAN="3" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Number&nbsp;of&nbsp;Shares</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;&nbsp;</FONT></P></TD>
  <TD WIDTH="13%" COLSPAN="3" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Percentage&nbsp;Beneficially Owned (1</B><B>)</B></FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>
  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="13%" COLSPAN="3" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>
  </TD>
  <TD WIDTH="2%" VALIGN=TOP>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="13%" COLSPAN="3" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>
  </TD>
 </TR>
 <TR>
  <TD WIDTH="65%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Tyson
  T. Abston</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">24,593</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(2)</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">* </FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="70%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Jonice
  Crane</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">97,692</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(3)</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">3.34</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">%</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="70%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Guaranty
  Bancshares, Inc. Employee<BR>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Stock Ownership Plan (with 401 (k)<BR>
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;provisions)</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">497,060</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(4)</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">17.01</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">%</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="70%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">C.
  A. Hinton, Sr</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">179,676</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(5)</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">6.15</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">%</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="70%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Kirk
  Lee.</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">34,169</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(6)</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">1.17</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">%</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="70%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Carl
  Johnson, Jr.</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">11,666</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">* </FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="70%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Bill
  G. Jones</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">351,972</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(7)</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">12.05</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">%</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="70%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Weldon
  Miller</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">225,172</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(8)</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">7.71</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">%</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="70%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Clifton
  A. Payne</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">43,643</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(9)</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">1.49</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">%</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="70%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Bill
  Priefert</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">62,163</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(10)</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">2.13</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">%</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="70%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Byron
  M. Rhea</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">39,465</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(11)</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">1.35</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">%</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="70%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Arthur
  B. Scharlach, Jr.</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">170,825</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(12)</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">5.81</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">%</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="70%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Gene
  Watson.</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">49,280</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">1.69</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">%</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="70%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Directors
  and Executive Officers as a Group</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">1,290,316</FONT></P></TD>
  <TD WIDTH="4%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">43.47</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">%</FONT></P></TD>
 </TR>
</TABLE>

<HR SIZE=1 WIDTH="25%" NOSHADE COLOR=BLACK ALIGN=LEFT>



<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">*</FONT></P>
  </TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Indicates ownership which does not exceed 1.0%.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(1)</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">The percentage beneficially owned was calculated
  based on 2,921,928 shares of Common Stock issued and outstanding as of March
  1, 2004.&#160; The percentage assumes the
  exercise by the shareholder or group named in each row of all options for the
  purchase of Common Stock held by such shareholder or group and exercisable
  within 60 days.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(2)</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Includes 6,000 shares held of record by the Tyson
  Abston IRA, 9,558 shares held of record by the Company&#146;s 401(k) Plan, over
  which Mr. Abston has investment control and 8,000 shares which may be
  acquired pursuant to the exercise of fully vested stock options.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(3)</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Includes 3,500 shares held of record by the Jonice
  Crane IRA and 1,715 shares held of record by Ms. Crane&#146;s husband.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(4)</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">A total of 180,991 shares held by the 401(k) Plan
  for the benefit of the directors and executive officers are also included in
  the number of shares reported in this table to be owned by each director or
  executive officer in his individual capacity.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(5)</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Includes 2,884 shares held of record by the Charles
  A. Hinton IRA.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(6)</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Includes 2,792 shares held
  of record by the Kirk Lee IRA, 23,097 shares held of record by the Company&#146;s
  401(k) Plan, over which Mr. Lee has investment control, and 6,400 shares
  which may be acquired pursuant to the exercise of fully vested stock options.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(7)</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Includes 22,827 shares held of record by the Bill G.
  Jones IRA Rollover, 161 shares held of record by Mr. Jones&#146; wife&#146;s IRA and
  16,778 shares held of record by the Company&#146;s 401(k) Plan, over which Mr.
  Jones has investment control.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(8)</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Includes 8,463 shares held of record by Everybody&#146;s
  Furniture Company, of which Mr. Miller is the President, 38,957 shares held
  of record by the Everybody&#146;s Furniture Company Profit Sharing Plan &amp;
  Trust of which Mr. Miller is the trustee, 865 shares held of record by the
  Weldon Miller IRA and 865 shares of held of record by Mr. Miller&#146;s wife&#146;s
  IRA.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(9)</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Includes 29,856 shares held of record by the
  Company&#146;s 401(k) Plan, over which Mr. Payne has investment control, and 8,000
  shares which may be acquired pursuant to the exercise of fully vested stock
  options.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(10)</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Includes 44,441 shares held of record by the
  Priefert Retirement Trust, of which Mr. Priefert is the trustee.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(11)</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Includes 31,409 shares held of record by the
  Company&#146;s 401(k) Plan, over which Mr. Rhea has investment control, and 8,000
  shares which may be acquired pursuant to the exercise of fully vested stock
  options.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
</TABLE>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 17 -</FONT></P>

<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="5%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(12)</FONT></P></TD>
  <TD WIDTH="94%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Includes 10,338 shares held of record by the Arthur
  B. Scharlach, Jr. IRA, 34,041 shares held of record by Mr. Scharlach&#146;s wife,
  70,293 shares held of record by the Company&#146;s 401(k) Plan, over which Mr.
  Scharlach has investment control, and 16,000 shares which may be acquired
  pursuant to the exercise of fully vested stock options.</FONT></P></TD>
 </TR>
</TABLE>


<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>PERFORMANCE GRAPH</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following Performance Graph compares the cumulative total shareholder return on
the Company&#146;s Common Stock for the five year period from December 31, 1998 to
December 31, 2003, with the cumulative total return of the S&amp;P 500 Total
Return Index (&#147;S&amp;P 500&#148;), the NASDAQ Total Return Index (NASDAQ), and the
SNL Southwest Bank Index (&#147;SNL&#148;) for the same period.&#160; Dividend reinvestment has been assumed.&#160; The Performance Graph assumes $100 invested
on December 3l, 1998 in the Company&#146;s Common
Stock<B>, </B>the S&amp;P 500, the NASDAQ and the SNL.&#160; The Company has selected the NASDAQ Index to
replace the S&amp;P 500 going forward.&#160;
Management believes that the NASDAQ Index reflects the total return of a
cross section of industries therefore depicting a broad based index including
all NASDAQ listed companies.&#160; The
historical stock price performance for the
Company&#146;s stock shown on the graph below is not necessarily indicative of
future stock performance.</FONT></P>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Composite
of Cumulative Total Return<BR>Guaranty Bancshares, Inc., the S&amp;P 500 Total Return Index, <BR>
NASDAQ Total Return Index and the SNL Southwest Bank Index</B></FONT></P>

<P align=center><IMG SRC="graph.jpg" WIDTH=85% ALT="GRAPH"></P>



<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 18 -</FONT></P>

<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="38%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="58%" COLSPAN="17" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B><I>Period Ending</I></B></FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="38%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="58%" COLSPAN="17" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="38%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B><I>Index</I></B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>12/31/98</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>12/31/99</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>12/31/00</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>12/31/01</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>12/31/02</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>12/31/03</B></FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="38%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="38%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Guaranty Bancshares, Inc.</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA" >
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">100.00</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">107.48</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">129.12</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">156.39</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">197.65</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">257.65</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="38%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">S&amp;P 500*</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM >
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">100.00</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM >
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">121.11</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM >
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">110.34</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM >
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">97.32</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM >
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">75.75</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM >
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">97.40</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="38%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">NASDAQ - Total US</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">100.00</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA" >
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">185.95</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA" >
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">113.19</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA" >
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">89.65</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA" >
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">61.67</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA" >
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">92.90</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="38%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">SNL Southwest Bank Index</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM >
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">100.00</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">95.95</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">103.96</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">108.43</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">112.44</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">152.72</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
</TABLE>


<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>SECTION
16(a) BENEFICIAL OWNERSHIP REPORTING COMPLIANCE</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Section
16(a) of the Securities Exchange Act of 1934, as amended, (the &#147;Exchange Act&#148;)
requires the Company&#146;s directors and executive officers and persons who own
more than 10% of the outstanding Common Stock to file initial reports of
ownership and reports of changes in ownership of Common Stock and other equity
securities of the Company with the Securities and Exchange Commission (the &#147;Commission&#148;).&#160; Such persons are required by Commission
regulations to provide the Company with copies of all Section 16 (a) forms they
file. </FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
the Company&#146;s knowledge, based solely on review of the copies of such reports
furnished to it and representations from certain reporting persons that they
have complied with the applicable filing requirements, the Company believes
that during the year ended December 31, 2003, all Section 16(a) reporting
requirements applicable to its officers, directors and greater than 10%
shareholders were complied with except that Ty Abston and D.R Zachry, Jr. were
each late in reporting one transaction on Form 4.&#160; The required reports have been filed with the Commission.</FONT></P>
<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>REPORT OF THE AUDIT COMMITTEE</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following Report of the Audit Committee should not be deemed &#147;soliciting
materials,&#148; filed with the Securities and Exchange Commission, subject to
Regulation 14A or 14C of the Securities and Exchange Commission or subject to
the liabilities of section 18 of the Securities Exchange Act of 1934, as
amended.&#160; Accordingly, this report
should not be deemed filed or incorporated by reference into any other Company
filing under the Securities Act of 1933 or the Exchange Act, except to the
extent the Company specifically incorporates it by reference in such filing. </FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All
of the members of the Audit Committee are independent (as independence is
defined in Rule 4200(a)(14) of the National Association of Securities Dealers&#146;
listing standards). During fiscal 2003, the Audit Committee met 15 times.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
discharging its responsibility for oversight of the audit process, the Audit
Committee obtained from the independent auditors, McGladrey &amp; Pullen, LLP a
formal written statement describing any relationships between the auditors and
the Company that might bear on the auditors&#146; independence consistent with the
Independent Standards Board Standard No. 1, &#147;Independence Discussions with
Audit Committees,&#148; discussed with the auditors any relationships (including the
tax return preparation services provided to the Company) that might impact the
auditors&#146; objectivity and independence and satisfied itself as to the auditors&#146;
independence.</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Audit Committee discussed and reviewed with the independent auditors the
communications required by generally accepted auditing standards, including
those described in Statement on Auditing Standards No. 61, as amended, &#147;Communication
with Audit Committees&#148; and discussed and reviewed the results of the
independent auditors&#146; examination of the financial statements for the year
ended December 31, 2003.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Audit Committee reviewed the audited financial statements of the Company as of
and for the fiscal year ended December 31, 2003, with management and the
independent auditors. Management has the responsibility for preparation of the
Company&#146;s financial statements and the independent auditors have the
responsibility for examination of those statements.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Based
upon the above-mentioned review and discussions with management and the
independent auditors, the Audit Committee recommended to the Board that the
Company&#146;s audited financial statements be included in its Annual Report on Form
10-K for the fiscal year ended December 31, 2003, for filing with the
Securities Exchange Commission.</FONT></P>
<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="62%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="37%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">The Audit Committee</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="62%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="37%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="62%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="37%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Weldon Miller, Chairman<BR>
  Carl Johnson, Jr.<BR>Gene Watson</FONT></P></TD>
 </TR>
</TABLE>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 19 -</FONT></P>

<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>



<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>PROPOSAL
TO RATIFY APPOINTMENT OF INDEPENDENT AUDITORS</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>General</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant
to the recommendation of the Audit Committee, the Board of Directors has
appointed McGladrey &amp; Pullen, LLP as the independent auditors of the books
and accounts of the Company for the year ending December 31, 2004.&#160; McGladrey &amp; Pullen, LLP has served as
the Company&#146;s independent audit firm for the past three years.</FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At
the Meeting, the shareholders will be asked to consider and act upon a proposal
to ratify the appointment of McGladrey &amp; Pullen, LLP.&#160; The ratification of such appointment will
require the affirmative vote of the holders of a majority of the outstanding
shares of Common Stock entitled to vote and present in person or represented by
proxy at the Meeting.&#160; Representatives
of McGladrey &amp; Pullen, LLP will not be present at the Meeting.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>Principal Accounting Firm Fees</B></FONT></P>

<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
following table sets forth the fees billed to the Company for the fiscal years
ending December 31, 2003 and 2002 by McGladrey &amp; Pullen, LLP and its
associated entity RSM McGladrey, Inc.:</FONT></P>



<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="90%">
 <TR>
  <TD WIDTH="75%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>2003</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=2   FACE="TIMES NEW ROMAN"><B>2002</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="75%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="2" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=BLACK ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="75%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="75%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Audit fees</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">70,000</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">41,500</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="75%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Audit related fees (1)</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">10,000</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">10,740</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="75%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Tax fees (2)</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">12,250</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">12,500</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM BGCOLOR="AQUA">
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="75%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <HR SIZE=1 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="75%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Total fees</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">92,250</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">$</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <P ALIGN=RIGHT><FONT SIZE=2   FACE="TIMES NEW ROMAN">64,740</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="75%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=3 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <HR SIZE=3 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="1%" VALIGN=BOTTOM>
  <HR SIZE=3 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="7%" VALIGN=BOTTOM>
  <HR SIZE=3 WIDTH="100%" NOSHADE COLOR=GRAY ALIGN=CENTER>


  </TD>
  <TD WIDTH="2%" VALIGN=BOTTOM>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
</TABLE>


<BR>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="90%">

 <TR>
<TD WIDTH="100%" VALIGN=TOP colspan=2 align=left>
  <hr size=1 noshade color=black width=25%><BR>
  </TD>
 </TR>

 <TR>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(1) </FONT></P>
  </TD>
  <TD WIDTH="96%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Consists of fees billed for services rendered for
  the review of the interim consolidated</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="96%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">financial statements included in the Company&#146;s
  quarterly reports</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="3%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">(2) </FONT></P></TD>
  <TD WIDTH="96%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Consists of fees billed for tax filing and tax
  related compliance</FONT></P></TD>
 </TR>
</TABLE>




<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;For
2003, the Audit committee approved 100% of all audit and permitted non-audit
services, including the fees and terms of those services to be performed for
the Company by its independent auditor prior to engagement.&#160; The Audit Committee has considered and
determined that the tax return preparation services provided by McGladrey &amp;
Pullen, LLP is compatible with maintaining their independence as the
independent auditors of the Company. </FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;THE
BOARD OF DIRECTORS RECOMMENDS A VOTE <U>FOR</U> THE PROPOSAL TO RATIFY SUCH
APPOINTMENT.</B></FONT></P>
<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>DATE
FOR SUBMISSION OF SHAREHOLDER PROPOSALS</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
order for shareholder proposals submitted pursuant to Rule 14a-8 of the
Exchange Act to be presented at the Company&#146;s 2005 Annual Meeting of
Shareholders and to be included in the Company&#146;s proxy statement and form of
proxy relating to such meeting, such proposals must comply with Rule 14a-8 and
be submitted to the Secretary of the Company at the Company&#146;s principal
executive offices not later than November l1, 2004. Shareholder proposals
should be submitted to the Secretary of the Company at 100 West Arkansas, Mount
Pleasant, Texas 75455.&#160;&#160; A shareholder
choosing not to use the procedures established in Commission Rule 14a-8 to
submit a proposal for action at the Company&#146;s 2005 Annual Meeting of
Shareholders must deliver the proposal to the Secretary of the Company not
later than the close of business on February 18, 2005.</FONT></P>


<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 20 -</FONT></P>

<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>
<PAGE>



<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;In
addition, the Company&#146;s Amended and Restated Bylaws provide that only such
business which is properly brought before a shareholder meeting will be
conducted.&#160; For business to be properly
brought before a meeting or nominations of
persons for election to the Board of Directors to be properly made at a meeting
by a shareholder, notice must be received by the Secretary of the Company at
the Company&#146;s principal executive offices no later than the close of business
on the 60<SUP>th</SUP> day prior to the meeting.&#160; Such notice must also provide certain information set forth in
the Amended and Restated Bylaws.&#160; A copy
of the Amended and Restated Bylaws may be obtained upon written request to the
Secretary of the Company.</FONT></P>
<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN"><B>OTHER
MATTERS</B></FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The
Board of Directors does not intend to bring any other matter before the
Meeting.&#160; Additionally, no shareholder
of the Company has complied with the advance notice provisions contained in the
Company&#146;s Bylaws, which preclude the bringing of matters before a meeting of
shareholders unless such provisions are complied with.&#160; Accordingly, no other matter is expected to
be brought before the Meeting.&#160; However,
if any other matter does properly come before the Meeting, the proxies will be voted
in accordance with the discretion of the person or persons voting the proxies.</FONT></P>
<P><FONT SIZE=2 FACE="TIMES NEW ROMAN">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;You
are cordially invited to attend the Meeting.&#160;
Regardless of whether you plan to attend the Meeting, you are urged to
complete, date, sign and return the enclosed proxy in the accompanying envelope
at your earliest convenience.</FONT></P>
<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="59%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="40%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">By order of the Board of Directors,</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="59%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="40%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>

 <TR>
  <TD WIDTH="59%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="40%" VALIGN=TOP>
  <P><IMG SRC="signature.jpg" ALT="MESSAGE"><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="59%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="40%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">Arthur B. Scharlach, Jr.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="59%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="40%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="59%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="40%" VALIGN=TOP>
  <P><FONT SIZE=2 FACE="TIMES NEW ROMAN">President &amp; CEO</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="59%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="40%" VALIGN=TOP>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
</TABLE>

<P ALIGN=CENTER><FONT SIZE=2 FACE="TIMES NEW ROMAN">- 21 -</FONT></P>

<HR STYLE="MARGIN-TOP: -2PX" NOSHADE SIZE=1>
<HR STYLE="MARGIN-TOP: -10PX" NOSHADE SIZE=4>

<PAGE>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="41%" VALIGN=TOP STYLE='WIDTH:41.26%;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp; </FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP STYLE='WIDTH:8.94%;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp; </FONT></P></TD>
  <TD WIDTH="49%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:49.8%;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="41%" VALIGN=TOP STYLE='WIDTH:41.26%;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=2><B><I>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;GUARANTY BANCSHARES, INC.<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;100 WEST ARKANSAS<BR>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;MOUNT PLEASANT, TEXAS 75455</I></B></FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP STYLE='WIDTH:8.94%;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp; </FONT></P></TD>
  <TD WIDTH="49%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:49.8%;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=2><B>VOTE BY MAIL</B><BR>Mark, sign and date your proxy card and return it in the<BR>postage-paid envelope
we&#146;ve provided or return to<BR>Guaranty Bancshares, Inc., c/o ADP, 51 Mercedes Way,<BR>
Edgewood, NY 11717.</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="41%" VALIGN=TOP STYLE='WIDTH:41.26%;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp; </FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP STYLE='WIDTH:8.94%;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp; </FONT></P></TD>
  <TD WIDTH="49%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:49.8%;'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=2>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="41%" VALIGN=TOP STYLE='WIDTH:41.26%;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp; </FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP STYLE='WIDTH:8.94%;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp; </FONT></P></TD>
  <TD WIDTH="49%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:49.8%;'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=2>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="41%" VALIGN=TOP STYLE='WIDTH:41.26%;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp; </FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP STYLE='WIDTH:8.94%;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp; </FONT></P></TD>
  <TD WIDTH="49%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:49.8%;'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=2>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="41%" VALIGN=TOP STYLE='WIDTH:41.26%;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp; </FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP STYLE='WIDTH:8.94%;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp; </FONT></P></TD>
  <TD WIDTH="49%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:49.8%;'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=2>&nbsp;</FONT></P></TD>
 </TR>
</TABLE>

<P STYLE='MARGIN-BOTTOM:12.0PT'><FONT FACE="TIMES NEW ROMAN" SIZE=2>&nbsp; </FONT></P>
<P STYLE='MARGIN-BOTTOM:12.0PT'><FONT FACE="TIMES NEW ROMAN" SIZE=2>&nbsp; </FONT></P>

<P STYLE='MARGIN-BOTTOM:12.0PT'><FONT FACE="TIMES NEW ROMAN" SIZE=2>&nbsp; </FONT></P>
<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="100%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:100.0%; BORDER:NONE;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>TO
  VOTE, MARK BLOCKS BELOW IN BLUE OR BLACK INK AS FOLLOWS:</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="56%" VALIGN=TOP STYLE='WIDTH:56.08%; BORDER:NONE;  BORDER-BOTTOM:DASHED BLACK 0.5PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp; </FONT></P></TD>
  <TD WIDTH="13%" VALIGN=TOP STYLE='WIDTH:13.3%; BORDER-TOP:NONE; BORDER-LEFT: NONE; BORDER-BOTTOM:DASHED BLACK 0.5PT;'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=1>GUABN1</FONT></P></TD>
  <TD WIDTH="30%" VALIGN=TOP STYLE='WIDTH:30.62%; BORDER-TOP:NONE; BORDER-LEFT: NONE; BORDER-BOTTOM:DASHED BLACK 0.5PT;'>
  <P ALIGN=RIGHT STYLE='TEXT-ALIGN:RIGHT'><FONT FACE="TIMES NEW ROMAN" SIZE=1>KEEP THIS PORTION FOR YOUR RECORDS</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="100%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:100.0%; BORDER-TOP:NONE;'>
  <P ALIGN=RIGHT STYLE='TEXT-ALIGN:RIGHT'><FONT FACE="TIMES NEW ROMAN" SIZE=1>DETACH AND RETURN THIS PORTION ONLY</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="100%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:100.0%; BORDER-TOP:NONE;'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=2><B>THIS PROXY CARD IS VALID ONLY
  WHEN SIGNED AND DATED.</B></FONT></P></TD>
 </TR>
</TABLE>
<BR>


<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%" STYLE='WIDTH:100.0%;'>
 <TR>
  <TD WIDTH="36%" COLSPAN="4" VALIGN=TOP STYLE='WIDTH:36.34%;BORDER-TOP:SOLID BLACK 2.25PT;   BORDER-LEFT:SOLID BLACK 2.25PT;BORDER-BOTTOM:NONE;BORDER-RIGHT:NONE;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=2><B>GUARANTY BANCSHARES, INC.</B></FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:30.46%;BORDER:NONE;   BORDER-TOP:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=2>&nbsp;</FONT></P></TD>
  <TD WIDTH="32%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:32.86%;BORDER-TOP:SOLID BLACK 2.25PT;   BORDER-LEFT:NONE;BORDER-BOTTOM:NONE;BORDER-RIGHT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN' WIDTH="0%"><P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="36%" COLSPAN="4" VALIGN=TOP STYLE='WIDTH:36.34%;BORDER:NONE;   BORDER-LEFT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:30.46%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="26%" COLSPAN="6" VALIGN=TOP STYLE='WIDTH:26.96%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:5.3%;BORDER-TOP:SOLID BLACK 2.25PT;   BORDER-LEFT:NONE;BORDER-BOTTOM:NONE;BORDER-RIGHT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=TOP STYLE='WIDTH:.6%;BORDER:NONE;BORDER-RIGHT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="33%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:33.66%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=2><B>This proxy is solicited on
  behalf of the Board of Directors of the Company and will be voted FOR the
  following proposals and to transact such other business as may properly come
  before the meeting or any adjournment thereof, unless otherwise indicated.</B></FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:30.46%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="32%" COLSPAN="8" VALIGN=TOP STYLE='WIDTH:32.26%;BORDER:NONE; BORDER-RIGHT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=TOP STYLE='WIDTH:.6%;BORDER:NONE;BORDER-RIGHT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN' WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="36%" COLSPAN="4" VALIGN=TOP STYLE='WIDTH:36.34%;BORDER:NONE;   BORDER-LEFT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" COLSPAN="5" VALIGN=TOP STYLE='WIDTH:9.9%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:6.38%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=1><B>For<BR>
  All</B></FONT></P></TD>
  <TD WIDTH="6%" VALIGN=TOP STYLE='WIDTH:6.78%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=1><B>Withhold<BR>
  All</B></FONT></P></TD>
  <TD WIDTH="7%" VALIGN=TOP STYLE='WIDTH:7.4%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=1><B>For
  All<BR>
  Except</B></FONT></P></TD>
  <TD WIDTH="2%" ROWSPAN="2" VALIGN=TOP STYLE='WIDTH:2.66%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="24%" COLSPAN="5" ROWSPAN="2" VALIGN=TOP STYLE='WIDTH:24.3%;PADDING:   0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>To withhold authority to vote, mark &#147;For All
  Except&#148; and write the nominee&#146;s number on the line below.</FONT></P></TD>
  <TD WIDTH="5%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:5.9%;BORDER:NONE;BORDER-RIGHT:   SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=2>1.</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:30.98%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=2>ELECTION OF DIRECTORS</FONT></P></TD>
  <TD WIDTH="9%" COLSPAN="5" VALIGN=TOP STYLE='WIDTH:9.9%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:6.38%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=TOP STYLE='WIDTH:6.78%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=TOP STYLE='WIDTH:7.4%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:5.9%;BORDER:NONE;BORDER-RIGHT:   SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:30.98%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="9%" COLSPAN="5" VALIGN=TOP STYLE='WIDTH:9.9%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:6.38%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=TOP STYLE='WIDTH:6.78%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" VALIGN=TOP STYLE='WIDTH:7.4%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.66%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="8" VALIGN=TOP STYLE='WIDTH:30.18%;BORDER:NONE;   BORDER-RIGHT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:30.98%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>To serve as directors of Class I until the
  2007 Annual Meeting of Shareholders and until their successors are duly elected and qualified</FONT></P></TD>
  <TD WIDTH="9%" COLSPAN="5" VALIGN=TOP STYLE='WIDTH:9.9%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:6.38%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=2><B>O</B></FONT></P></TD>
  <TD WIDTH="6%" VALIGN=TOP STYLE='WIDTH:6.78%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=2><B>O</B></FONT></P></TD>
  <TD WIDTH="7%" VALIGN=TOP STYLE='WIDTH:7.4%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=2><B>O</B></FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.66%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="26%" COLSPAN="6" VALIGN=TOP STYLE='WIDTH:26.58%;BORDER:NONE;   BORDER-BOTTOM:SOLID BLACK .5PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:3.6%;BORDER:NONE;BORDER-RIGHT:   SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:30.98%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:30.46%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="32%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:32.86%;BORDER:NONE;   BORDER-RIGHT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:30.98%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1><B>Nominees:</B></FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:30.46%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="32%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:32.86%;BORDER:NONE;   BORDER-RIGHT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:30.98%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>01) Jonice Crane, 02) Carl Johnson, Jr., 03)
  Clifton A. Payne</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="8" VALIGN=TOP STYLE='WIDTH:30.46%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="32%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:32.86%;BORDER:NONE;   BORDER-RIGHT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:30.98%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:30.46%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="32%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:32.86%;BORDER:NONE;   BORDER-RIGHT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="36%" COLSPAN="4" VALIGN=TOP STYLE='WIDTH:36.34%;BORDER:NONE;   BORDER-LEFT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:30.46%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="32%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:32.86%;BORDER:NONE;   BORDER-RIGHT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="33%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:33.66%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1><B>Vote On Proposal</B></FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP STYLE='WIDTH:3.8%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:4.76%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:7.1%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="14%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:14.78%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="10%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:10.42%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=TOP STYLE='WIDTH:6.1%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=1><B>For</B></FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP STYLE='WIDTH:8.26%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=1><B>Against</B></FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="5" VALIGN=TOP STYLE='WIDTH:8.1%;BORDER:NONE;BORDER-RIGHT:   SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=1><B>Abstain</B></FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="33%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:33.66%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP STYLE='WIDTH:3.8%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:4.76%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:7.1%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="14%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:14.78%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="10%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:10.42%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=TOP STYLE='WIDTH:6.1%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP STYLE='WIDTH:8.26%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="5" VALIGN=TOP STYLE='WIDTH:8.1%;BORDER:NONE;BORDER-RIGHT:   SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="33%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:33.66%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="3%" VALIGN=TOP STYLE='WIDTH:3.8%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="4%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:4.76%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="7%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:7.1%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="14%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:14.78%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="10%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:10.42%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=TOP STYLE='WIDTH:6.1%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP STYLE='WIDTH:8.26%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="5" VALIGN=TOP STYLE='WIDTH:8.1%;BORDER:NONE;BORDER-RIGHT:   SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=2>2.</FONT></P></TD>
  <TD WIDTH="71%" COLSPAN="13" VALIGN=TOP STYLE='WIDTH:71.86%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>RATIFICATION OF THE APPOINTMENT OF McGladrey
  &amp; Pullen, LLP as the independent auditors of the books and accounts of
  the Company for the year ending December 31, 2004&nbsp;&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=TOP STYLE='WIDTH:6.1%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=2><B>O</B></FONT></P></TD>
  <TD WIDTH="8%" VALIGN=TOP STYLE='WIDTH:8.26%;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=2><B>O</B></FONT></P></TD>
  <TD WIDTH="8%" COLSPAN="5" VALIGN=TOP STYLE='WIDTH:8.1%;BORDER:NONE;BORDER-RIGHT:   SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=2><B>O</B></FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="36%" COLSPAN="4" VALIGN=TOP STYLE='WIDTH:36.34%;BORDER:NONE;   BORDER-LEFT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:30.46%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="32%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:32.86%;BORDER:NONE;   BORDER-RIGHT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="36%" COLSPAN="4" VALIGN=TOP STYLE='WIDTH:36.34%;BORDER:NONE;   BORDER-LEFT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:30.46%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="32%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:32.86%;BORDER:NONE;   BORDER-RIGHT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="99%" COLSPAN="22" VALIGN=TOP STYLE='WIDTH:99.66%;BORDER-TOP:NONE;   BORDER-LEFT:SOLID BLACK 2.25PT;BORDER-BOTTOM:NONE;BORDER-RIGHT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=2><B>YOUR VOTE IS IMPORTANT.</B></FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="36%" COLSPAN="4" VALIGN=TOP STYLE='WIDTH:36.34%;BORDER:NONE;   BORDER-LEFT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:30.46%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="32%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:32.86%;BORDER:NONE;   BORDER-RIGHT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="36%" COLSPAN="4" VALIGN=TOP STYLE='WIDTH:36.34%;BORDER:NONE;   BORDER-LEFT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:30.46%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="32%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:32.86%;BORDER:NONE;   BORDER-RIGHT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P STYLE='MARGIN-BOTTOM:12.0PT'>&nbsp;</P></TD>
  <TD WIDTH="96%" COLSPAN="21" VALIGN=TOP STYLE='WIDTH:96.98%;BORDER:NONE;   BORDER-RIGHT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=2><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;To
  ensure your representation at the Meeting, you are urged to complete, date,
  and sign the enclosed proxy and return it in the accompanying envelope at
  your earliest convenience, regardless of whether you plan to attend the
  Meeting. No additional postage is necessary if the proxy is mailed in the
  United States. The proxy is revocable at any time before it is voted at the
  Meeting.</B></FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P STYLE='MARGIN-BOTTOM:12.0PT'>&nbsp;</P></TD>
  <TD WIDTH="96%" COLSPAN="21" VALIGN=TOP STYLE='WIDTH:96.98%;BORDER:NONE;   BORDER-RIGHT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=2><BR>
  <BR>
  <B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Please
  sign your name exactly as it is shown. If shares are<BR>
  held jointly, all joint owners should sign. If shares are held by a<BR>
  corporation, please sign the full corporate name by any authorized<BR>
  corporate officer. If shares are held by a partnership, please sign<BR>
  the full partnership name by an authorized person. If you are<BR>
  signing as attorney, executor, administrator, trustee or guardian,<BR>
  please set forth your full title as such. </B></FONT></P></TD>
  <TD STYLE='BORDER:NONE;PADDING:0IN 0IN 0IN 0IN'   WIDTH="0%"><P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="36%" COLSPAN="4" VALIGN=TOP STYLE='WIDTH:36.34%;BORDER:NONE;   BORDER-LEFT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:30.46%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="32%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:32.86%;BORDER:NONE;   BORDER-RIGHT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" STYLE='WIDTH:.34%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="36%" COLSPAN="4" VALIGN=TOP STYLE='WIDTH:36.34%;BORDER:NONE;   BORDER-LEFT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:30.46%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="32%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:32.86%;BORDER:NONE;   BORDER-RIGHT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" STYLE='WIDTH:.34%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="36%" COLSPAN="4" VALIGN=TOP STYLE='WIDTH:36.34%;BORDER:NONE;   BORDER-LEFT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:30.46%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="32%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:32.86%;BORDER:NONE;   BORDER-RIGHT:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" STYLE='WIDTH:.34%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;BORDER-TOP:NONE;BORDER-LEFT:   SOLID BLACK 2.25PT;BORDER-BOTTOM:NONE;BORDER-RIGHT:SOLID BLACK .5PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="28%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:28.06%;BORDER-TOP:SOLID BLACK .5PT;   BORDER-LEFT:NONE;BORDER-BOTTOM:NONE;BORDER-RIGHT:SOLID BLACK .5PT;PADDING:   0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=TOP STYLE='WIDTH:5.6%;BORDER-TOP:SOLID BLACK .5PT;   BORDER-LEFT:NONE;BORDER-BOTTOM:NONE;BORDER-RIGHT:SOLID BLACK .5PT;PADDING:   0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:30.46%;BORDER:NONE;   BORDER-RIGHT:SOLID BLACK .5PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="25%" COLSPAN="5" VALIGN=TOP STYLE='WIDTH:25.84%;BORDER-TOP:SOLID BLACK .5PT;   BORDER-LEFT:NONE;BORDER-BOTTOM:NONE;BORDER-RIGHT:SOLID BLACK .5PT;PADDING:   0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:6.4%;BORDER-TOP:SOLID BLACK .5PT;   BORDER-LEFT:NONE;BORDER-BOTTOM:NONE;BORDER-RIGHT:SOLID BLACK .5PT;PADDING:   0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=TOP STYLE='WIDTH:.6%;BORDER:NONE;BORDER-RIGHT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" STYLE='WIDTH:.34%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;BORDER-TOP:NONE;BORDER-LEFT:   SOLID BLACK 2.25PT;BORDER-BOTTOM:NONE;BORDER-RIGHT:SOLID BLACK .5PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="28%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:28.06%;BORDER-TOP:NONE;   BORDER-LEFT:NONE;BORDER-BOTTOM:SOLID BLACK .5PT;BORDER-RIGHT:SOLID BLACK .5PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=TOP STYLE='WIDTH:5.6%;BORDER-TOP:NONE;BORDER-LEFT:NONE;   BORDER-BOTTOM:SOLID BLACK .5PT;BORDER-RIGHT:SOLID BLACK .5PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:30.46%;BORDER:NONE;   BORDER-RIGHT:SOLID BLACK .5PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="25%" COLSPAN="5" VALIGN=TOP STYLE='WIDTH:25.84%;BORDER-TOP:NONE;   BORDER-LEFT:NONE;BORDER-BOTTOM:SOLID BLACK .5PT;BORDER-RIGHT:SOLID BLACK .5PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="6%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:6.4%;BORDER-TOP:NONE;   BORDER-LEFT:NONE;BORDER-BOTTOM:SOLID BLACK .5PT;BORDER-RIGHT:SOLID BLACK .5PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" VALIGN=TOP STYLE='WIDTH:.6%;BORDER:NONE;BORDER-RIGHT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="0%" STYLE='WIDTH:.34%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="2%" VALIGN=TOP STYLE='WIDTH:2.68%;BORDER-TOP:NONE;BORDER-LEFT:   SOLID BLACK 2.25PT;BORDER-BOTTOM:SOLID BLACK 2.25PT;BORDER-RIGHT:NONE;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:28.06%;BORDER:NONE; BORDER-BOTTOM:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1 FACE="TIMES NEW ROMAN">Signature [PLEASE SIGN WITHIN&nbsp;BOX]</FONT></P></TD>
  <TD WIDTH="5%" VALIGN=TOP STYLE='WIDTH:5.6%;BORDER:NONE;BORDER-BOTTOM:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1 FACE="TIMES NEW ROMAN">Date</FONT></P></TD>
  <TD WIDTH="30%" COLSPAN="9" VALIGN=TOP STYLE='WIDTH:30.46%;BORDER:NONE;   BORDER-BOTTOM:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="25%" COLSPAN="5" VALIGN=TOP STYLE='WIDTH:25.84%;BORDER:NONE;   BORDER-BOTTOM:SOLID BLACK 2.25PT;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1 FACE="TIMES NEW ROMAN">Signature (Joint Owners)</FONT></P></TD>
  <TD WIDTH="7%" COLSPAN="4" VALIGN=TOP STYLE='WIDTH:7.02%;BORDER-TOP:NONE;   BORDER-LEFT:NONE;BORDER-BOTTOM:SOLID BLACK 2.25PT;BORDER-RIGHT:SOLID BLACK 2.25PT;   PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1 FACE="TIMES NEW ROMAN">Date</FONT></P></TD>
  <TD WIDTH="1%" STYLE='WIDTH:.34%;PADDING:0IN 0IN 0IN 0IN'>
  <P><FONT SIZE=1>&nbsp;</FONT></P></TD>
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<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
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<BR>

<TABLE ALIGN=CENTER  BORDER=0 CELLSPACING=0 CELLPADDING=0 WIDTH="100%">
 <TR>
  <TD WIDTH="5%" VALIGN=TOP STYLE='WIDTH:5.54%;BORDER-TOP:SOLID BLACK 2.25PT; BORDER-LEFT:SOLID BLACK 2.25PT;BORDER-BOTTOM:NONE;BORDER-RIGHT:NONE;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:94.46%;BORDER-TOP:SOLID BLACK 2.25PT; BORDER-LEFT:NONE;BORDER-BOTTOM:NONE;BORDER-RIGHT:SOLID BLACK 2.25PT;'>
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 </TR>
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  <TD WIDTH="5%" VALIGN=TOP STYLE='WIDTH:5.54%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:94.46%;BORDER:NONE; BORDER-RIGHT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=2>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP STYLE='WIDTH:5.54%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:94.46%;BORDER:NONE; BORDER-RIGHT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
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  <TD WIDTH="100%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:100.0%;BORDER-TOP:NONE; BORDER-LEFT:SOLID BLACK 2.25PT;BORDER-BOTTOM:NONE;BORDER-RIGHT:SOLID BLACK 2.25PT;'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=2><B>GUARANTY BANCSHARES, INC.</B></FONT></P>
  </TD>
 </TR>
 <TR>
  <TD WIDTH="100%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:100.0%;BORDER-TOP:NONE; BORDER-LEFT:SOLID BLACK 2.25PT;BORDER-BOTTOM:NONE;BORDER-RIGHT:SOLID BLACK 2.25PT;'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="100%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:100.0%;BORDER-TOP:NONE; BORDER-LEFT:SOLID BLACK 2.25PT;BORDER-BOTTOM:NONE;BORDER-RIGHT:SOLID BLACK 2.25PT;'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=2><B>Annual Meeting of Shareholders to be Held on Tuesday, April 20, 2004<BR>This Proxy
is Solicited on Behalf of the Board of Directors.</B></FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP STYLE='WIDTH:5.54%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:94.46%;BORDER:NONE; BORDER-RIGHT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP STYLE='WIDTH:5.54%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="88%" VALIGN=TOP STYLE='WIDTH:88.14%;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The 2004 Annual Meeting of Shareholders of Guaranty Bancshares, Inc. (the
&#147;Company&#148;) will be held at 100 West Arkansas, Mount Pleasant, Texas, on Tuesday,
April 20, 2004, beginning at 2:00 p.m. (local time). The undersigned hereby
acknowledges receipt of the related Notice of Annual Meeting of Shareholders and
Proxy Statement dated March 15, 2004 accompanying this proxy.
</FONT></P></TD>
  <TD WIDTH="6%" VALIGN=TOP STYLE='WIDTH:6.32%;BORDER:NONE;BORDER-RIGHT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP STYLE='WIDTH:5.54%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:94.46%;BORDER:NONE; BORDER-RIGHT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP STYLE='WIDTH:5.54%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="88%" VALIGN=TOP STYLE='WIDTH:88.14%;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
The undersigned hereby appoints Bill G. Jones and Arthur B. Scharlach, Jr. and
each of them, proxies for the undersigned, with full power of substitution, to
vote as proxy all shares of Common Stock, par value $1.00 per share, of the
Company owned of record by the undersigned and otherwise to act on behalf of the
undersigned at the Annual Meeting of Shareholders and any adjournment thereof in
accordance with the directions set forth herein and with discretionary authority
with respect to such matters, as may properly come before such meeting or any
adjournment thereof, including any matters presented by a shareholder at such
meeting for which advance notice was not received by the Company in accordance
with its Bylaws.
</FONT></P>
  </TD>
  <TD WIDTH="6%" VALIGN=TOP STYLE='WIDTH:6.32%;BORDER:NONE;BORDER-RIGHT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="5%" VALIGN=TOP STYLE='WIDTH:5.54%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:94.46%;BORDER:NONE; BORDER-RIGHT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
 </TR>

 <TR>
  <TD WIDTH="5%" VALIGN=TOP STYLE='WIDTH:5.54%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="88%" VALIGN=TOP STYLE='WIDTH:88.14%;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=2>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
This proxy is solicited by the Board of Directors and will be voted in
accordance with the undersigned&#146;s directions set forth herein. If no direction
is made, this proxy will be voted <B>FOR</B> the election of all nominees for director
named herein to serve on the Board of Directors until the 2007 Annual Meeting of
Shareholders as designated on the proxy and until their successors are duly
elected and qualified and <B>FOR</B> the ratification of the appointment of McGladrey &amp;
Pullen, LLP as the independent auditors of the books and accounts of the Company
for the year ending December 31, 2004. If any other matter is properly presented
at the Meeting or any adjournment thereof, the Proxy will be voted in accordance
with the judgement of the persons appointed as proxies.
</FONT></P>
  </TD>
  <TD WIDTH="6%" VALIGN=TOP STYLE='WIDTH:6.32%;BORDER:NONE;BORDER-RIGHT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
 </TR>

 <TR>
  <TD WIDTH="5%" VALIGN=TOP STYLE='WIDTH:5.54%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="88%" VALIGN=TOP STYLE='WIDTH:88.14%;'>
  <P ALIGN=CENTER><FONT FACE="TIMES NEW ROMAN" SIZE=2><B><BR><BR>IMPORTANT - This Proxy must be signed and dated on the reverse side.<BR>(Continued
and to be voted on reverse side.)</B></FONT></P>
  </TD>
  <TD WIDTH="6%" VALIGN=TOP STYLE='WIDTH:6.32%;BORDER:NONE;BORDER-RIGHT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
 </TR>



 <TR>
  <TD WIDTH="5%" VALIGN=TOP STYLE='WIDTH:5.54%;BORDER:NONE;BORDER-LEFT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
  <TD WIDTH="94%" COLSPAN="2" VALIGN=TOP STYLE='WIDTH:94.46%;BORDER:NONE; BORDER-RIGHT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=1>&nbsp;</FONT></P></TD>
 </TR>

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  <TD WIDTH="100%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:100.0%;BORDER-TOP:NONE; BORDER-LEFT:SOLID BLACK 2.25PT;BORDER-BOTTOM:NONE;BORDER-RIGHT:SOLID BLACK 2.25PT;'>
  <P><FONT FACE="TIMES NEW ROMAN" SIZE=2>&nbsp;</FONT></P></TD>
 </TR>
 <TR>
  <TD WIDTH="100%" COLSPAN="3" VALIGN=TOP STYLE='WIDTH:100.0%;BORDER-TOP:NONE; BORDER-LEFT:SOLID BLACK 2.25PT;BORDER-BOTTOM:NONE;BORDER-RIGHT:SOLID BLACK 2.25PT;'>
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