<PAGE>

                                    FORM 10-Q

                       SECURITIES AND EXCHANGE COMMISSION

                             WASHINGTON, D. C. 20549

                   Quarterly Report Under Section 13 or 15 (d)
                     of the Securities Exchange Act of 1934

                      For Quarter Ended September 30, 1999
                                       ....................

                         Commission File Number 2-95114
                                        ....................

                          LOGAN COUNTY BANCSHARES, INC.
 ...............................................................................
             (Exact Name of Registrant as Specified in Its Charter)

                                  WEST VIRGINIA
 ...............................................................................
         (State or other jurisdiction of incorporation or organization)

                                   55-0660015
 ...............................................................................
                      (IRS Employer Identification Number)

                    P. O. BOX 597, LOGAN, WEST VIRGINIA   25601
 ...............................................................................
               (Address of Principal Executive Offices) (Zip Code)

                                 (304) 752-1166
 ...............................................................................
               (Registrant's telephone number including area code)


Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15 (d) of the Securities Exchange Act of 1934
during the preceding 12 months (or for such shorter period that the registrant
was required to file such reports) and (2) has been subject to such filing
requirements for the past 90 days. Yes X     No
                                      ----      -----


                      APPLICABLE ONLY TO CORPORATE ISSUERS:

Indicate the number of shares outstanding, of each of the issuer's classes of
common stock, as of the latest practicable date. 716991
                                                 ------------


<PAGE>



                      LOGAN COUNTY BANCSHARES, INC.

PART I - FINANCIAL INFORMATION

         ITEM I.  FINANCIAL STATEMENTS:

                 Consolidated Statement of Condition As of September 30, 1999
                      and 1998 and December 31, 1998.

                 Consolidated Statement of Income for the Three Month Period
                      Ended September 30, 1999 and 1998.

                 Consolidated Statement of Income for the Six Month Period Ended
                      September 30, 1999 and 1998.

                 Consolidated  Statement  of Changes in Stockholders'
                      Equity for the Nine Month Period Ended September
                      30, 1999 and 1998.

                 Consolidated Statement of Cash Flows for the Nine Month Period
                      Ended September 30, 1999 and 1998.

                 Notes to Consolidated Financial Statements

        ITEM 2.  MANAGEMENT'S  DISCUSSION  AND  ANALYSIS OF  FINANCIAL
                  CONDITION AND RESULTS OF OPERATIONS.

PART II - OTHER INFORMATION

SIGNATURES

<PAGE>


                 LOGAN COUNTY BANCSHARES, INC. AND SUBSIDIARIES
                       Consolidated Statement of Condition
                September 30, 1999 and 1998 and December 31, 1998
                                 (In Thousands)

<TABLE>
<CAPTION>
                                      ASSETS
                                      ------
                                                                       September  30,          December 31,
                                                                    1999            1998            1998
                                                                 ---------       ---------       ---------
<S>                                                              <C>             <C>             <C>
CASH AND DUE FROM BANKS                                          $   4,861       $   5,354       $   5,727

INVESTMENT SECURITIES:
     AVAILABLE FOR SALE                                             31,537          22,462          25,299
     HELD TO MATURITY                                                    0           2,496           2,496

FEDERAL FUNDS SOLD                                                       0           9,360           7,520

LOANS:
      TOTAL LOANS                                                  108,810          92,800          95,103

      RESERVE FOR LOAN LOSSES                                          718             732             701
                                                                 ---------       ---------       ---------
      NET LOANS                                                    108,092          92,068          94,402

BANK PREMISES AND EQUIPMENT                                          3,025           2,091           2,085

ACCRUED INTEREST AND OTHER ASSETS                                    2,356           1,878           1,749
                                                                 ---------       ---------       ---------
                                                                 $ 149,871       $ 135,709       $ 139,278
                                                                 =========       =========       =========

                       LIABILITIES AND STOCKHOLDERS' EQUITY
                       ------------------------------------

DEPOSITS:
     DEMAND DEPOSITS:
         NON-INTEREST                                            $  18,692       $  14,304       $  18,292
         INTEREST BEARING                                           22,297          22,410          20,644
     SAVINGS DEPOSITS                                               32,439          29,538          29,817
     TIME DEPOSITS                                                  59,717          54,554          55,667
                                                                 ---------       ---------       ---------
           TOTAL DEPOSITS                                          133,145         120,806         124,420

FEDERAL FUNDS PURCHASED                                              1,590               0               0

ACCRUED AND OTHER LIABILITIES                                          611             723             680

INCOME TAXES PAYABLE:
     CURRENT                                                            91              62              28
     DEFERRED                                                         (207)            121              91
                                                                 ---------       ---------       ---------
          TOTAL LIABILITIES                                        135,230         121,712         125,219

STOCKHOLDERS' EQUITY:
     COMMON STOCK - $ 1.67 PAR VALUE;
          AUTHORIZED & ISSUED 780,000 SHARES
           IN 1999 and1998; OUTSTANDING
          716,991 IN 1999 AND 1998                                   1,300           1,300           1,300
     SURPLUS                                                         2,408           2,408           2,408
     RETAINED EARNINGS                                              11,793          11,149          11,211
     TREASURY STOCK                                                   (860)           (860)           (860)
                                                                 ---------       ---------       ---------
           TOTAL STOCKHOLDERS' EQUITY                               14,641          13,997          14,059
                                                                 ---------       ---------       ---------
                                                                 $ 149,871       $ 135,709       $ 139,278
                                                                 =========       =========       =========
</TABLE>


          SEE ACCOMPANYING NOTES TO CONSOLIDATED FINANCIAL STATEMENTS.



<PAGE>


                 LOGAN COUNTY BANCSHARES, INC. AND SUBSIDIARIES
                        Consolidated Statement of Income
          For the Three Month Periods Ended September 30, 1999 and 1998
                                 (IN THOUSANDS)

<TABLE>
<CAPTION>
                                                                  1999        1998
                                                                 ------      ------
<S>                                                              <C>         <C>
INTEREST INCOME:
                 INTEREST ON LOANS                               $2,205      $1,997
                 INTEREST ON INVESTMENTS                            503         373
                 INTEREST ON FEDERAL FUNDS SOLD                      38         182
                                                                 ------      ------
                                                                  2,746       2,552

INTEREST EXPENSE:
                 INTEREST ON DEPOSITS                             1,093       1,097
                                                                 ------      ------
                                 NET INTEREST INCOME              1,653       1,455

PROVISION FOR LOAN LOSSES                                             0          23
                                                                 ------      ------
                                 NET INTEREST INCOME AFTER
                                  PROVISION FOR LOAN LOSSES       1,653       1,432

OTHER INCOME:
                 SERVICE FEES                                       167         239
                 OTHER OPERATING INCOME                              13           6
                                                                 ------      ------
                                 TOTAL OTHER INCOME                 180         245

OTHER EXPENSES:
                 SALARIES AND BENEFITS                              487         458
                 EXPENSE OF BANK PREMISES AND
                  EQUIPMENT                                         109         109
                 OTHER OPERATING EXPENSES                           349         335
                                                                 ------      ------
                                 TOTAL OTHER EXPENSES               945         902

INCOME BEFORE INCOME TAXES                                          888         775

INCOME TAXES                                                        319         286
                                                                 ------      ------
                 NET INCOME                                      $  569      $  489
                                                                 ======      ======

PER SHARE OF COMMON STOCK NET INCOME                             $ 0.80      $ 1.03
                                                                 ======      ======
</TABLE>


    SEE ACCOMPANYING NOTES TO CONSOLIDATED FINANCIAL STATEMENTS.

<PAGE>

                 LOGAN COUNTY BANCSHARES, INC. AND SUBSIDIARIES
                        Consolidated Statement of Income
          For the Nine Month Periods Ended September 30, 1999 and 1998
                                 (In Thousands)

<TABLE>
<CAPTION>
                                                          1999        1998
                                                         ------      ------
<S>                                                      <C>         <C>
INTEREST INCOME:
                 INTEREST ON LOANS                       $6,336      $5,791
                 INTEREST ON INVESTMENTS                   1415         982
                 INTEREST ON FEDERAL FUNDS SOLD             229         567
                                                         ------      ------
                                                          7,980       7,340

INTEREST EXPENSE:
                 INTEREST ON DEPOSITS                     3,228       3,142
                                                         ------      ------
                         NET INTEREST INCOME              4,752       4,198

PROVISION FOR LOAN LOSSES                                    23          68
                                                         ------      ------
                         NET INTEREST INCOME AFTER
                          PROVISION FOR LOAN LOSSES       4,729       4,130

OTHER INCOME:
                 SERVICE FEES                               464         766
                 OTHER OPERATING INCOME                      59          59
                                                         ------      ------
                         TOTAL OTHER INCOME                 523         825

OTHER EXPENSES:
                 SALARIES AND BENEFITS                    1,466       1,345
                 EXPENSE OF BANK PREMISES AND
                  EQUIPMENT                                 312         304
                 OTHER OPERATING EXPENSES                   973         932
                                                         ------      ------
                         TOTAL OTHER EXPENSES             2,751       2,581

INCOME BEFORE INCOME TAXES                                2,501       2,374

INCOME TAXES                                                896         873
                                                         ------      ------
                 NET INCOME                              $1,605      $1,501
                                                         ======      ======

PER SHARE OF COMMON STOCK NET INCOME                     $ 2.24      $ 2.09
                                                         ======      ======
</TABLE>



    SEE ACCOMPANYING NOTES TO CONSOLIDATED FINANCIAL STATEMENTS.


<PAGE>


                 LOGAN COUNTY BANCSHARES, INC. AND SUBSIDIARIES
            Consolidated Statement in Changes in Stockholders' Equity
          For the Nine Month Periods Ended September 30, 1998 and 1997
                                 (In Thousands)


<TABLE>
<CAPTION>
                                                                                     Net Unrealized
                                                                                     (losses) on
                                             Common                     Retained      Available-for-      Treasury
                                              Stock      Surplus        Earnings      Sale Securities        Stock      Total
                                              -----      -------        --------      ---------------        -----      -----
<S>                                          <C>         <C>            <C>           <C>                 <C>           <C>
BALANCE - DECEMBER 31
            1998                             $1,300       $2,408         $11,171                  $40        ($860)      $14,059

DIVIDENDS DECLARED ON
           COMMON STOCK                                                     (629)                                           (629)

CHANGE IN NET UNREALIZED
           HOLDING GAINS (LOSSES)
           ON AVAILABLE FOR-SALE
           SECURITIES                                                                            (394)                      (394)

NET INCOME FOR THE NINE MONTHS
           ENDED SEPTEMBER 30, 1999               0            0           1,605                    0            0         1,605
                                             ------       ------         -------                -----        -----       -------
                                             $1,300       $2,408         $12,147                ($354)       ($860)      $14,641
                                             ======       ======         =======                =====        =====       =======


BALANCE - DECEMBER 31
            1997                             $1,300       $2,408         $10,126                   $9        ($860)      $12,983


DIVIDENDS ON 467,612 SHARES
           COMMON STOCK @ $0.97                                             (574)                                           (574)

CHANGE IN NET UNREALIZED
           HOLDING GAINS (LOSSES)
           ON AVAILABLE FOR-SALE
           SECURITIES                                                                              87                         87

NET INCOME FOR THE NINE MONTHS
           ENDED SEPTEMBER 30, 1997                                        1,501                                           1,501
                                             ------       ------         -------                -----        -----       -------
                                             $1,300       $2,408         $11,053                  $96        ($860)      $13,997
                                             ======       ======         =======                =====        =====       =======
</TABLE>



  SEE ACCOMPANYING NOTES TO CONSOLIDATED FINANCIAL STATEMENTS.


<PAGE>


                 LOGAN COUNTY BANCSHARES, INC. AND SUBSIDIARIES
                      CONSOLIDATED STATEMENT OF CASH FLOWS
          FOR THE NINE MONTH PERIODS ENDED SEPTEMBER 30, 1999 AND 1998

<TABLE>
<CAPTION>
                                                    1998           1998
                                                  --------       --------
<S>                                               <C>            <C>
CASH FLOWS FROM OPERATING ACTIVITIES:
   NET INCOME                                     $  1,605       $  1,501
   ADJUSTMENT TO RECONCILE NET
     INCOME TO NET CASH PROVIDED
     BY OPERATING ACTIVITIES:
       DEPRECIATION                                    120            117
       SECURITY AMORTIZATION AND
                  ACCREATION                             0             (5)
       MARKET VALUE AMORTIZATION                        (3)            (3)
       PROVISION FOR LOAN LOSSES                        23             68
       (GAIN) LOSS ON SALE OF INVESTMENT
         SECURITIES                                      0              0
       (INCREASE) DECREASE IN OTHER ASSETS            (608)          (508)
       INCREASE (DECREASE) IN OTHER
                  LIABILITIES                          (79)            66
                                                  --------       --------
   NET CASH PROVIDED BY OPERATING ACTIVITIES         1,058          1,236

CASH FLOWS FROM INVESTING ACTIVITIES:
   PROCEEDS FROM SALE OF SECURITIES
     AVAILABLE FOR SALE                              9,700          8,200
   PROCEEDS FROM MATURITIES
     OF SECURITIES                                   5,000          3,000
   PURCHASE OF SECURITIES AVAILABLE
     FOR SALE                                      (19,074)       (16,048)
   PURCHASE OF SECURITIES HELD TO MATURITY               0              0
   NET (INCREASE) DECREASE IN
     FEDERAL FUNDS SOLD                              7,520           (450)
   NET (INCREASE) DECREASE IN LOANS                (13,696)        (7,893)
   PROCEEDS FROM SALE OF ASSETS                          0              0
   PURCHASE OF BANK PREMISES AND EQUIPMENT          (1,060)           (83)
                                                  --------       --------
   NET CASH PROVIDED BY INVESTING ACTIVITIES       (11,610)       (13,274)

CASH FLOWS FROM FINANCING ACTIVITIES:
   NET INCREASE (DECREASE) IN
     DEMAND DEPOSITS                                 2,053          5,505
   NET INCREASE (DECREASE) IN
     SAVINGS DEPOSITS                                2,622            251
   NET INCREASE (DECREASE) IN
     TIME DEPOSITS                                   4,050          6,943
   NET INCREASE (DECREASE) IN
     FEDERAL FUNDS PURCHASED                         1,590
   DIVIDENDS PAID                                     (629)          (574)
                                                  --------       --------
   NET CASH PROVIDED BY FINANCING ACTIVITIES         9,686         12,125

NET INCREASE (DECREASE) IN CASH AND
   CASH EQUIVALENTS                                   (866)            87

CASH AND CASH EQUIVALENT AT
   BEGINNING OF PERIOD                               5,727          5,267
                                                  --------       --------
CASH AND CASH EQUIVALENT AT
   END OF PERIOD                                  $  4,861       $  5,354
                                                  ========       ========
</TABLE>


SEE ACCOMPANYING NOTES TO CONSOLIDATED FINANCIAL STATEMENTS.

<PAGE>
                               September 30, 1999

                 LOGAN COUNTY BANCSHARES, INC. AND SUBSIDIARIES
                   Notes to Consolidated Financial Statements




  1.  Financial Statements:
           The foregoing statements are unaudited; however, in the opinion of
      the Management, all adjustments (comprising of only normal recurring
      accruals) necessary for a fair presentation of the financial statements
      have been included.

  2.  Basis of Consolidation:
             The Consolated Statement of Condition and Consolidated
      Statement of Income  of Logan County Bancshares,  Inc. include the
      activity  of  Logan  Bank  and   Trust  Company,  a  wholly  owned
      subsidiary.

  3.  All financial information presented gives retroactive effect to the
      issuance on June 16, 1999, of a three-for-two stock split in the form of a
      stock dividend of three shares of common stock for each two shares of
      common stock outstanding.

  4.  Year 2000 Assessment

             Management has initiated a Company-wide program to assess its data
      processing, information systems and customer service programs to ensure
      the Company's operating capabilities in the year 2000. Currently, the
      Company's subsidiary Bank, L B & T, uses EDS, a regional provider of
      financial institution data processing, as it's primary provider of
      computer services and data processing. EDS has certified it's hardware and
      software are Year 2000, and beyond, compliant.

           As required by Regulatory guidelines, the company has contracted with
      EDS to perform Y2K testing. This testing will include Data Processing,
      ATM's, Debit Cards, Financial and Communications Systems. The estimated
      cost for this testing is approximately $55,000. The Company has also
      contracted to have their computer hardware evaluated for Year 2000
      compliance and estimates additional computer hardware and software costs
      to be approximately $105,000. These cost will be capitalized and amortized
      over five years. It is the opinion of management that the cost of
      converting these systems and the annual amortization, thereof, will not
      materially impact the results of operation or its financial position.

           We anticipate having all testing completed by June, 1999 and
      upgrading completed by August, 1999. There are many factors


<PAGE>

      involved in upgrading these systems, such as: conversion of data, employee
      training and implementation. There can be no assurances this process will
      not have a material effect on the company's operations.

          While management believes its planning efforts are adequate to address
      its Year 2000 concerns, there is no guarantee the systems of other
      companies on which the Company's systems and operations rely will function
      properly and not have an adverse effect on the Company's operations or
      financial position.


<PAGE>



                  MANAGEMENT'S DISCUSSION AND ANALYSIS OF
               FINANCIAL CONDITION AND RESULTS OF OPERATIONS


      The following is a discussion and analysis focused on significant changes
in the financial condition and results of operations of Logan County Bancshares,
Inc.

EARNINGS SUMMARY

      The Company reported net income of $1,605,000. for the nine months ended
September 30, 1999 compared to $1,501,000. for the nine months ended September
30, 1998, representing a 6.29% increase. This increase was primarily the result
of the increase in net interest income of $554,000., decrease in other income of
$303,000. and increase in all operating expenses of $170,000.


      Earnings per common share were $2.24 for the nine months ended September
30, 1999 compared with $2.09 for the same period of 1998.

      Logan County Bancshares' annualized return on assets (ROA) for the nine
month period ended September 30, 1999 was 1.42% compared to 1.47% nine month
period ended September 30, 1998. Annualized return on shareholders' equity (ROE)
was 14.62% and 14.30% at September 30, 1999 and 1998, respectively.

NET INTEREST INCOME

      The most significant component of Logan County Bancshares' net earnings is
net interest income, which represents the excess of interest income earned on
earning assets over the interest expense paid for sources of funds. Net interest
income is affected by changes in volume resulting from growth and alteration of
the balance sheet composition, as well as by fluctuations in market interest
rates and maturities of sources and uses of funds.

      Interest income amounted to $7,980,000. at September 30, 1999, an increase
of $640,000. from September 30, 1998. Interest expense also increased $86,000.,
resulting in an overall increase of $554,000. or 13.20% in net interest income
between September 30, 1999 and September 30, 1998.

PROVISION FOR LOAN LOSSES AND ASSET QUALITY

     The provision for loan losses represents charges to earnings necessary to
maintain an adequate allowance for potential future loan losses. Management's
determination of the appropriate level of the allowance is based on an ongoing
analysis of credit quality and loss potential in the loan portfolio, actual loan
loss experience relative to the size and characteristics of the loan portfolio,
change in the


<PAGE>

composition and risk characteristics of the loan portfolio and the anticipated
influence of national and local economic conditions. The adequacy of the
allowance for loan losses is reviewed quarterly and adjustments are made as
considered necessary.

      For the nine month period ended September 30, 1999 and 1998, the provision
for loan losses was $23,000., and $68,000. respectively.

      The reserve for loan losses was $718,000. at September 30, 1999 compared
to $732,000. at June 30, 1998. Expressed as a percentage of loans (net of
unearned income), the reserve for loan losses was .66% at September 30, 1999 and
 .79% at September 30, 1998.




A summary of the Company's past due loans and nonperforming assets is provided
in the following table.

           SUMMARY OF PAST DUE LOANS AND NONPERFORMING ASSETS
                        (in thousands of dollars)

<TABLE>
<CAPTION>
                                                              September 30,
                                                         -----------------------
                                                          1999             1998
                                                         ------           ------
<S>                                                      <C>              <C>
Loans past due 90 or more days
   still accruing interest                               $4,077           $3,465
                                                         ------           ------
Nonperforming assets:
   Nonaccruing loans                                        474              489
   Other real estate owned                                  315              244
                                                         ------           ------
                                                         $  789           $  733
                                                         ======           ======
</TABLE>

NONINTEREST INCOME

      Noninterest income includes revenues from all sources other than interest
income. For the nine month period ended September 30, 1999, noninterest income
totaled $523,000., representing a decrease of $302,000. from the $825,000.
recorded during the same period of 1998. This decrease was primarily due to
decreases in service fees income of $302,000.

NONINTEREST EXPENSE

      Noninterest expense comprises overhead costs which are not related to
interest expense or to losses from loans or securities. As of September 30,
1999, the Company's noninterest expense totaled $2,751,000., increasing
$170,000. over the $2,581,000. of noninterest expense for the nine months ended
September 30, 1998. Expressed as a percentage of assets, annualized


<PAGE>

noninterest expense was 2.45% at September 30, 1999, compared to 2.54% at
September 30, 1998.

      Salaries and employee benefits are Logan County Bancshares' largest
noninterest cost, representing approximately 54% of total noninterest expense at
September 30, 1999 and 1998. Salaries and employee benefits increased $121,000.,
or 8.99% at September 30, 1999 compared to September 30, 1998. This increase is
primarily due to increased personnel.

INCOME TAXES

      Logan County Bancshares' federal income tax expense, for the six month
period ended September 30, 1999, reflected a $23,000. increase when compared to
the same period of 1998. Income tax expense equalled 35.82% and 36.77% of income
before taxes at September 30,1999 and 1998, respectively. For financial
reporting purposes, income tax expense does not equal the statutory income tax
rate of 43% when applied to pretax income, primarily because of tax-exempt
interest income included in income before income taxes.



Balance Sheet Data:

      Total assets grew by $10,593,000. between year end and September 30, to a
balance of $149,871,000. The major component of this growth was an increase in
Investment Securities of $3,742,000., and loan increases of 13,707,000. The
primary source of funds for this growth was an increase in deposits of
$8,725,000., a decrease in Federal Funds Sold of $7,520,000., and net income of
$1,605,000.

Liquidity:

      Managing Logan's liquidity requirements primarily involves meeting the
loan demand, deposit withdrawal and the cash flow requirements. Logan's primary
sources of liquid assets are federal funds sold and investment securities
maturing in less than one year. These items can be converted into funds in a
short period of time. At June 30, 1999, Federal Funds Sold amounted to $810,000.
and securities maturing within one year amounted to $1,982,000. These are
compared to the balances at June 30, 1998 of $12,280,000. in Federal Funds Sold
and maturing Investment Securities of $3,046,000. due within one year.

      Traditionally, banks have been able to manage liquidity based on a
relatively stable group of core deposits. The deposits, demand and consumer
deposits under $l00,000. are considered the most stable and least expensive
source of funds. During 1999 and 1998, banks continue to be faced with more
volatile, interest sensitive funds and have had to match their funding
requirements by using assets and liability management techniques.


<PAGE>

Capital Resources:

      Logan's capital position is based on its stockholders' equity and the
primary source of such equity has been retained earnings. Since Logan's
formation, it has accumulated Retained Earnings of $11,793,000. and has a total
Stockholders' Equity of $14,641,000. as of September 30, 1999; as compared to
$11,149,000. of Retained Earnings and total Stockholders' equity of $13,997,000.
at September 30, 1998.

      The equity capital was 9.77% and 10.31% of total assets at June 30, 1999
and 1998 respectively. Logan County Bancshares exceeds all regulatory capital
guide lines and has not been advised by any regulatory agency of any minimum
capital requirement.

Effects of Inflation:

      The impact of inflation on a financial institution differs significantly
from that exerted on an industrial concern, primarily because a financial
institution's assets and liabilities consist almost entirely of monetary items.
The low proportion of the Bank's net fixed assets to total assets reduces both
the potential of inflated earnings resulting from understated depreciation
charges and the potential significant understatement of asset values. However,
inflation does have a considerable indirect impact on banks, including increased
loan demand, as it becomes necessary for producers and consumers to acquire
additional funds to maintain the same levels of consumption, inventories, and
new investments. Inflation also frequently results in higher interest rates
which can affect both yields on earning assets and rates paid on deposits and
other interest-bearing liabilities.

-------------------


PART II. - OTHER INFORMATION

           NONE.
           ----



<PAGE>



                               SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned thereunto duly authorized.

                                        LOGAN COUNTY BANCSHARES, INC.
                                   -------------------------------------

                                             (Registrant)




Date _________________________  _____________________________________
                                Harvey Oakley, President
                                (Signature)




Date _________________________  _____________________________________
                                 Eddie D. Canterbury, Exec. Vice Pres.
                                 (Signature)