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Exhibit 99.2
 The First National Bank of Bryan
Balance Sheet
March 31, 2007
(in thousands)
(unaudited)
 Assets:Cash and equivalents
    
    $
    17,516FHLB stock and other investments
    
    
    2,488Securities available for sale
    
    
    43,114Mortgage-backed securities available for sale
    
    
    64,332LoansSingle family loans
    
    
    69,205Commercial loans
    
    
    170,625Consumer loans
    
    
    149,025Allowance for credit losses
    
    
    (4,622
    )Loans. Net
    
    
    384,233Premises and equipment
    
    
    9,170Cash surrender value of life insurance
    
    
    12,234Other
    
    
    7,327$
    540,414Liabilities and Stockholders EquityDeposits
    
    $
    453,511Federal Home Loan Bank advances
    
    
    30,000Other liabilities
    
    
    3,664487,175Stockholders EquityCapital stock
    
    
    487Capital surplus
    
    
    751Retained earnings
    
    
    52,336Treasury stock, at cost
    
    
    (140
    )Accumulated other comprehensive loss
    
    
    (195
    )53,239$
    540,414




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The First National Bank of Bryan
Statement of Income
For the Three Months Ended March 31, 2007 and 2006
(in thousands)
(unaudited)
 2007
    
    
    2006Interest income:Cash equivalents and short-term investments
    
    $
    67
    
    
    $
    103Securities
    
    
    696
    
    
    
    635Mortgage-backed securities
    
    
    790
    
    
    
    702Loans
    
    
    6,828
    
    
    
    5,994Total interest income
    
    
    8,381
    
    
    
    7,434Interest expense:Deposits
    
    
    3,221
    
    
    
    2,182FHLB advances
    
    
    403
    
    
    
    516Total interest expense
    
    
    3,624
    
    
    
    2,698Net interest income
    
    
    4,757
    
    
    
    4,736Provision for loan losses
    
    
    
    
    
    
    135Net interest income after provision for loan losses
    
    
    4,757
    
    
    
    4,601Non-interest income:Service charges and other fees
    
    
    874
    
    
    
    759Trust income
    
    
    206
    
    
    
    209Increase in value of bank owned life insurance
    
    
    114
    
    
    
    107Gain on sale of loans
    
    
    199
    
    
    
    71Gain on sale of securities
    
    
    599
    
    
    
    Other
    
    
    571
    
    
    
    389Total non-interest income
    
    
    2,563
    
    
    
    1,535Non-interest expense:Salaries and employee benefits
    
    
    3,074
    
    
    
    2,015Occupancy expense
    
    
    288
    
    
    
    271Data processing
    
    
    276
    
    
    
    242Professional fees
    
    
    74
    
    
    
    270Equipment and network expense
    
    
    275
    
    
    
    282Student loan expense
    
    
    143
    
    
    
    226Advertising and marketing
    
    
    136
    
    
    
    123Other
    
    
    451
    
    
    
    516Total non-interest expense
    
    
    4,717
    
    
    
    3,945Income before income taxes
    
    
    2,603
    
    
    
    2,191Provision for income taxes
    
    
    689
    
    
    
    520Net income
    
    $
    1,914
    
    
    $
    1,671




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The First National Bank of Bryan
Statement of Cash Flows
For the Three Months Ended March 31, 2007 and 2006
(in thousands)
(unaudited)
 2007
    
    
    2006Cash flows from operating activityNet Income
    
    $
    1,914
    
    
    $
    1,671Adjustment to reconcile net income to net cash provided by
operating activities:Depreciation
    
    
    48
    
    
    
    51Provision for loan losses
    
    
    
    
    
    
    135Net amortization of securities
    
    
    (599
    )
    
    
    (71
    )Gain on sale of loans
    
    
    (42,716
    )
    
    
    35,527Net change in student loans
    
    
    114
    
    
    
    106Increase in cash surrender value of life insurance
    
    
    150
    
    
    
    (374
    )Increase in accrued interest receivable
    
    
    675
    
    
    
    64Increase in accrued interest payable
    
    
    14
    
    
    
    46Increase in other liabilities
    
    
    35
    
    
    
    732Net cash provided (used) by operating activities
    
    
    (40,365
    )
    
    
    37,887Cash flows from investing activities:Proceeds from maturity of securities
    
    
    29,873
    
    
    
    (10,246
    )Purchases of securities
    
    
    (1,154
    )
    
    
    (1,851
    )Capital expenditures
    
    
    (40
    )
    
    
    (1,167
    )Net loans originated
    
    
    1,381
    
    
    
    (2,212
    )Net cash used in investing activities
    
    
    30,060
    
    
    
    (15,476
    )Cash flows from financing activitiesNet increase in deposits
    
    
    (12,361
    )
    
    
    (13,937
    )Dividends paid
    
    
    (291
    )
    
    
    (268
    )Advances from FHLB
    
    
    30,000
    
    
    
    Repayment of FHLB advances
    
    
    (9,000
    )
    
    
    (16,000
    )Net cash provided by financing activities
    
    
    8,348
    
    
    
    (30,205
    )Net (decrease) increase in cash and cash equivalents
    
    
    (1,957
    )
    
    
    (7,794
    )Cash and cash equivalents at beginning of year
    
    
    19,473
    
    
    
    21,562Cash and cash equivalents at end of year
    
    $
    17,516
    
    
    $
    13,768




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The First National Bank of Bryan
 Notes
to Financial Statements (unaudited)
 Note 1. Summary of Significant Accounting Policies
 Nature of Business
   Use of Estimates
  Cash
and Cash Equivalents and Cash Flows
  Securities Available for Sale
    Securities Held to Maturity




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The First National Bank of Bryan
 Notes
to Financial Statements (unaudited)
  Federal Home Loan Bank Stock
  Loans
     Allowance for Loan Losses




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The First National Bank of Bryan
 Notes
to Financial Statements (unaudited)
  Bank Premises and Equipment
  Buildings and improvements
    
    20 - 30 yearsFurniture and equipment
    
    3 -10 years
 Noninterest Income
  Comprehensive Income
  Federal Income Taxes




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The First National Bank of Bryan
 Notes
to Financial Statements (unaudited)
 Recent Accounting Pronouncements
 Accounting for Uncertainty in income Taxes-an interpretation of FASB Statement 109. Accounting for Income Taxes
 Employers Accounting for
Defined Benefit Pension and Other Postretirement Plans 
an amendment of FASB Statements No.
87, 88, 106 and 132(R).
 Note 2. Restrictions on Cash and Due From Banks




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The First National Bank of Bryan
 Notes
to Financial Statements (unaudited)
 Note 3. Securities
  Gross
    
    GrossAmortized
    
    Unrealized
    
    Unrealized
    
    FairCost
    
    Gains
    
    Losses
    
    ValueSecurities Available for SaleMarch 31, 2007:U.S. government agency
obligations
    
    $
    11,504
    
    
    $
    51
    
    
    $
    1
    
    
    $
    11,554Mortgage-backed securities and
collateralized mortgage
obligations
    
    
    64,975
    
    
    
    128
    
    
    
    771
    
    
    
    64,332State and political subdivisions
    
    
    30,957
    
    
    
    352
    
    
    
    55
    
    
    
    31,254Other
    
    
    306
    
    
    
    
    
    
    
    
    
    
    
    306$
    107,742
    
    
    $
    531
    
    
    $
    827
    
    
    $
    107,446




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The First National Bank of Bryan
 Notes to Financial Statements (unaudited)
  SecuritiesAvailablefor SaleFairValueDue in one year or less
    
    $
    2,218Due from one year to five years
    
    
    11,871Due from
five years to fifteen years
    
    
    26,846Due after
fifteen years
    
    
    1,87342,808Mortgage-backed securities and
collateralized mortgage obligations
    
    
    64,332Other
    
    
    306$
    107,446




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The First National Bank of Bryan
 Notes to Financial Statements (unaudited)
 Note 4. Loans and Allowance for Loan Losses
  Commercial
    
    $
    33,401Consumer
    
    
    13,376Real estate:Residential
    
    
    82,245Construction and development
    
    
    55,424Commercial real estate
    
    
    69,073Agriculture
    
    
    4,945Student loans
    
    
    130,293Other
    
    
    98388,855Allowance for loan losses
    
    
    (4,622
    )$
    384,233
  Balance at the beginning of the year
    
    $
    4,633Provision charged to earnings
    
    
    Loans charged to the allowance
    
    
    (20
    )Recoveries on loans previously charged-off
    
    
    9$
    4,622




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##### 



The First National Bank of Bryan
 Notes to Financial Statements (unaudited)
 Note 5. Bank Premises and Equipment
  Land
    
    $
    5,360Building and Improvements
    
    
    5,216Furniture, equipment and tenant
improvements
    
    
    3,831Construction in process
    
    
    58314,990Less accumulated depreciation
    
    
    (5,820
    )$
    9,170
 Note 6. Deposits
  Amount
    
    PercentNoninterest bearing demand
accounts
    
    $
    126,101
    
    
    
    27.8
    %Interest bearing checking accounts
    
    
    76,148
    
    
    
    16.8Limited access money market
accounts
    
    
    100,653
    
    
    
    22.2Savings accounts
    
    
    23,326
    
    
    
    5.1Certificates of deposit,
less than $100,000
    
    
    66,280
    
    
    
    14.6Certificates of deposit,
$100,000 and greater
    
    
    61,003
    
    
    
    13.5$
    453,511
    
    
    
    100.0
    %




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The First National Bank of Bryan
 Notes to Financial Statements (unaudited)
 Note 7. Regulatory Capital
   To Be WellCapitalized UnderPrompt CorrectiveActual
    
    
    Action ProvisionsAmount
    
    
    Ratio
    
    
    Amount
    
    
    RatioMarch 31, 2007:Total capital to
risk weighted
assets
    
    $
    57,363
    
    
    
    17.04
    %
    
    $
    31,364
    
    
    
    10.00
    %Tier I capital to
risk weighted
assets
    
    
    53,434
    
    
    
    18.29
    
    
    
    18,818
    
    
    
    6.00Tier I capital to
average assets
    
    
    53,434
    
    
    
    9.33
    
    
    
    28,622
    
    
    
    5.00
 Note 8. Definitive Sales Agreement