Exhibit 10.2

FIRST AMENDMENT TO THE
FORM OF WARRANT CERTIFICATE

This First Amendment to the Form of Warrant Certificate (the “Amendment”) is
dated as of October 11, 2007 and executed by T Bancshares, Inc. f/k/a First
Metroplex Capital, Inc., a Texas corporation (the “Company”).

WHEREAS, the Company executed a certain Warrant Agreement (the “Agreement”)
dated November 2, 2004, in favor of the initial shareholders of the Company’s
common stock (the “Initial Holders”);

WHEREAS, in connection with the Agreement, each Initial Holder received a
warrant certificate (a “Warrant Certificate”) referencing the Agreement,
specifying the number of Warrants held by the Initial Holder and providing the
general terms and conditions of exercising the Warrants;

WHEREAS, pursuant to the Agreement and the Warrant Certificates, each Initial
Holder of the Company’s common stock, $0.01 par value, received one (1) warrant
(a “Warrant”) to purchase an additional share of the Company’s common stock, at
an exercise price of $12.50 per share, for every (5) shares of the Company’s
common stock purchased in the initial offering;

WHEREAS, the Warrants were scheduled to expire at 2:00 p.m., Dallas, Texas time
on the earlier of (i) November 2, 2007, or (ii) the occurrence of certain
regulatory action, as specified in Section 3(b) of the Agreement;

WHEREAS, on October 11, 2007, the Board of Directors of the Company approved the
extension of the expiration date of the Warrants to 2:00 p.m., Dallas, Texas
time on the earlier of (i) May 2, 2009, or (ii) the occurrence of certain
regulatory action, as specified in Section 3(b) of the Agreement;

WHEREAS, pursuant to the language of the Warrant Certificates, the Initial
Holders agreed to be bound by the provisions of the Agreement upon acceptance of
the Warrant Certificates;

WHEREAS, Section 14(f) of the Agreement permits modification and amendment to
the terms of the Agreement if signed by the party to be bound by such
modifications or amendments;

WHEREAS, pursuant to Section 14(f), the Company has elected to amend the
Agreement to extend the expiration date of the Warrants; and

WHEREAS, in connection with the amendment of the Agreement, the Company desires
to amend the Warrant Certificates as set forth herein.

NOW, THEREFORE, in consideration of the premises and the mutual agreements set
forth herein and for the purpose of amending the terms and provisions of the
Warrants and the certificates representing the Warrants and the respective
rights and obligations thereunder of the Company and the holders of certificates
representing the Warrants, the Company amends each outstanding Warrant
Certificate as follows:

1. The third paragraph of the Warrant Certificate form is hereby amended in its
entirety to read as follows:

This Warrant may not be exercised after 2:00 p.m., Dallas, Texas time on the
earlier to occur of (i) May 2, 2009, or (ii) the date provided in Section 3(b)
of the Agreement (the “Expiration Time”).

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2. Each reference in the Warrant Certificate to “this Warrant Certificate,”
“hereof,” “herein,” or words of like import shall mean and be a reference to the
Warrant Certificate, as amended, extended or modified previously or hereby, and
each reference to the Warrant Certificate and any other document, instrument or
agreement executed and/or delivered in connection with the Warrant Certificate
shall mean and be a reference to the Agreement as amended, extended, or modified
previously or hereby.

4. Except as specifically modified herein, the Warrant Certificate shall remain
in full force and effect and is hereby ratified and confirmed.

5. This Amendment may be executed in multiple counterparts.

IN WITNESS WHEREOF, the Company has caused the Amendment to be duly executed as
of the date first written above.
 
 

        T BANCSHARES, INC.  
   
   
    By:   /s/ Patrick G. Adams  

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Patrick G. Adams   Title President