DIRECTOR SUPPORT AGREEMENT

THIS DIRECTOR SUPPORT  AGREEMENT (the "Agreement") is made and entered into as of the ____ day of ______________, 2000, by and between STATE NATIONAL BANCSHARES, INC., a Texas
corporation (the "Company") and ____________________, an individual resident of the State of Texas ("Director").

RECITALS

WHEREAS, the Company and Independent Bankshares, Inc. (the "BHC"), a registered bank holding company that controls First State Bank, N.A. (the "Bank"), have entered into that certain
Agreement and Plan of Reorganization, dated as of _________________, 2000, (the "Reorganization Agreement").  Terms with their initial letter capitalized and not otherwise defined herein shall have the meanings given them in the Reorganization Agreement;
and

WHEREAS, in connection with consummation of the transactions contemplated by the Reorganization Agreement, the Company and Director have agreed to enter into this Director Support Agreement.

NOW, THEREFORE, in consideration of the premises and mutual covenants contained herein and intending to be legally bound hereby, the Company and Director agree as follows:

1. Director Support.  Director agrees to use his reasonable efforts to refrain from harming the Bank's goodwill and its customer and client relationships.

2.  Director Covenants.

(a)     For and in consideration of consummation of the Merger and the other transactions contemplated by the Reorganization Agreement, Director agrees that
for a period of eighteen (18) months after the date of this Agreement, Director shall not, directly or indirectly, individually or as an employee, partner, officer, director or shareholder or in any other capacity whatsoever:





|(i)  | solicit the banking business of any current customers of the Bank;
|---- | ------------------------------------------------------------------
|(ii) | (A)                                                               
|     | (B)                                                               
|     | (C)                                                               

<PAGE>



|      |  | Within the city limits of or within seventy-five (75) miles of Abilene Texas, or                                                                                                                                                                                                                                                                    
|----- |  | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
|(iii) |  | recruit, hire, assist others in recruiting or hiring, discuss employment with, or refer others concerning employment, any person who is, or within the preceding twelve (12) months was, an employee of the Bank; provided, however, that
nothing in this Section 2(a)(iii) shall apply to employment other than in the financial services business.

(b)     If any court of competent jurisdiction should determine that any term or terms of this covenant are too broad in terms of time, geographic area, lines of
commerce or otherwise, such court shall modify and revise any such term or terms so that they comply with applicable law.

(c)     Director agrees that (i) this Director Support Agreement is entered into in connection with the sale to the Company of the goodwill of the business of the
BHC and the Bank, (ii) Director is receiving valuable consideration in the Merger for this Director Support Agreement and the Agreement, (iii) the restrictions imposed upon Director by this Director Support  Agreement are essential and necessary to ensure
the Company acquires the goodwill of the BHC and the Bank, and (iv) all the restrictions (including particularly the time and geographical limitations) set forth in this Director Support Agreement are fair and reasonable.

3.  Termination.  This Agreement shall terminate eighteen (18) months after the date of this Agreement.

4.  Effective Time.  This Agreement shall become effective at the Effective Time of the Merger as defined in the Reorganization Agreement.  If the Reorganization Agreement
is terminated in accordance with its terms, then this Agreement shall not become effective and shall be of no further force and effect.

5.  Injunctive Relief.  The Company and Director hereby acknowledge and agree that the Company and the Bank will be irreparably damaged if the provisions of this Agreement
are not specifically enforced.  Accordingly, the Company or the Bank shall be entitled to an injunction restraining any violation of this Agreement by Director (without any bond or other security being required), or any other appropriate decree of
specific performance.  Such remedies shall not be exclusive and shall be in addition to any other remedy that the Company or the Bank may have at law or in equity.

6.  Assignability.  This Agreement shall not be assigned by either party without the prior written consent of the other party.

7.  Parties Bound.  This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective legal representatives, successors and assigns,
except as otherwise expressly provided herein.

<PAGE>

8.  Texas Law to Apply.  This Agreement shall be construed under and in accordance with the laws of the State of Texas.

9.  Legal Construction.  If any one or more of the provisions contained in this Agreement shall for any reason be held to be invalid, illegal or unenforceable in any
respect, any provision shall be fully severable, such invalidity, illegality or unenforceability shall not affect any other provision hereof, and this Agreement shall be construed and enforced as if such invalid, illegal or unenforceable provision had
never been contained herein, and the remaining provisions of this Agreement shall remain in full force and effect and shall not be affected by the illegal, invalid or unenforceable provision or by its severance from this Agreement.  Furthermore, in lieu
of such illegal, invalid or unenforceable provision, there shall be added automatically as a part of this Agreement, a provision as similar in terms to such illegal, invalid or unenforceable provision as may be possible and be valid and enforceable.

10.  Notice.  Unless otherwise provided herein, any and all payments, notices, requests, instructions and other communications required or permitted to be given under this
Agreement after the date hereof by any party hereto to any other party may be delivered personally or by nationally recognized overnight courier service or sent by mail or (except in the case of payments) by telex or facsimile transmission, at the
respective addresses or transmission numbers set forth below and shall be effective (a) in the case of personal delivery, telex or facsimile transmission, when received; (b) in the case of mail, upon the earlier of actual receipt or five (5) business days
after deposit in the United States Postal Service, first class certified or registered mail, postage prepaid, return receipt requested; and (c) in the case of nationally-recognized overnight courier service, one (1) business day after delivery to such
courier service together with all appropriate fees or charges and instructions for such overnight delivery.  The parties may change their respective addresses and transmission numbers by written notice to all other parties, sent as provided in this
Section 10.  All communications must be in writing and addressed as follows:

| | IF TO DIRECTOR:                                                                                                 
| | ----------------------------------------------------------------------------------------------------------------
| | __________________________
__________________________
__________________________
__________________________     
| | IF TO THE COMPANY:                                                                                              
| | Mr. Tom C. Nichols
State National Bancshares, Inc.
1617 Broadway
Lubbock, Texas  79401
Telecopy:  (806) 749-5670

<PAGE>

11.  No Delay, Waiver, Etc.  No delay on the part of the parties hereto in exercising any power or right hereunder shall operate as a waiver thereof; nor shall any single
or partial exercise of any power or right hereunder preclude other or further exercise thereof or the exercise of any other power or right.

12.  Modification. No amendment hereof shall be effective unless contained in a written instrument signed by the parties hereto.

13.  Headings. The descriptive headings of the several sections of this Agreement are inserted for convenience only and do not constitute a part of this Agreement.

IN WITNESS WHEREOF, the undersigned have executed this Agreement as of the date first above written.

| | DIRECTOR                                                             
| | ---------------------------------------------------------------------
| |                                                                      
| |                                                                      
| | STATE NATIONAL BANCSHARES, INC.                                      
| | By:____________________________________
    Tom C. Nichols, President