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                                                                     EXHIBIT 3.3
 

                                    BYLAWS
                                      OF
                             L & B FINANCIAL, INC.

                                   ARTICLE I

                                    OFFICES

     1.1   Registered Office and Registered Agent.  The registered office of L &
B Financial, Inc. (the "Corporation") shall be located in the State of Texas at
such place as may be fixed from time to time by the Board of Directors upon
filing of such notices as may be required by law, and the registered agent shall
have a business office identical with such registered office.

     1.2   Other Offices.  The Corporation may have other offices within or 
outside the State of Texas at such place or places as the Board of Directors may
from time to time determine, as permitted by applicable law and regulation.

                                  ARTICLE II

                            STOCKHOLDERS' MEETINGS

     2.1   Meeting Place.  All meetings of the stockholders shall be held at the
principal place of business of the Corporation, or at such other place within or
without the State of Texas as shall be determined from time to time by the Board
of Directors, and the place at which any such meeting shall be held shall be
stated in the notice of the meeting.

     2.2   Annual Meeting Time.  The annual meeting of the stockholders for the 
election of directors and for the transaction of such other business as may 
properly come before the meeting shall be held each year within 120 days from
the close of the Corporation's fiscal year at the hour of 11:00 a.m., or at such
other date and time as may be determined by the Board of Directors and stated in
the notice of such meeting.

     2.3   Organization.  Each meeting of the stockholders shall be presided 
over by the Chairman of the Board, Chief Executive Officer, or by the President,
or if neither the Chairman, the Chief Executive Officer, nor the President is
present, by an Executive or Senior Vice President or such other officer as 
designated by the Board of Directors.  The Secretary, or in his absence a 
temporary Secretary, shall act as secretary of each meeting of the stockholders.
In the absence of the Secretary and any temporary Secretary, the chairman of the
meeting may appoint any person present to act as secretary of the meeting.  The 
chairman of any meeting of the stockholders, unless prescribed by law or 
regulation or unless the Chairman of the Board has otherwise determined, shall 
determine the order of the business and the procedure at the meeting, including 
such regulation of the manner of voting and the conduct of discussions as shall 
be deemed appropriate by him in his sole discretion.


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     2.4   Special Meetings.  Special meetings of the stockholders for any 
purpose may be called at any time in the manner provided in the Corporation's 
Articles of Incorporation, which are incorporated herein with the same effect as
if they were set forth herein.

     2.5   Notice.

           (a) Notice of the time and place of the annual meeting of
stockholders shall be given by delivering personally or by mailing a written or
printed notice of the same, at least ten days and not more than sixty days prior
to the meeting, to each stockholder of record entitled to vote at such meeting.
When any stockholders' meeting, either annual or special, is adjourned and if a
new record date is fixed for an adjourned meeting of stockholders, notice of the
adjourned meeting shall be given as in the case of an original meeting. It shall
not be necessary to give any notice of the time and place of any meeting
adjourned, unless a new record date is fixed therefor, other than an
announcement at the meeting at which such adjournment is taken.

           (b) At least ten day and not more than sixty days prior to the
meeting, a written or printed notice of each special meeting of stockholders,
stating the place, day and hour of such meeting, and the purpose or purposes for
which the meeting is called, shall be either delivered personally or mailed to
each stockholder of record entitled to vote at such meeting.

     2.6   Voting List. At least ten days before each meeting of stockholders, a
complete list of the stockholders entitled to vote at such meeting, or any
adjournment thereof, shall be made, arranged in alphabetical order, with the
address of and number of shares held by each, which list shall be kept on file
at the registered office of the Corporation for a period of ten days prior to
such meeting. The list shall be kept open at the time and place of such meeting
for the inspection of any stockholder.

     2.7   Quorum.  Except as otherwise required by law:

           (a)  A quorum at any annual or special meeting of stockholders shall 
consist of stockholders representing, either in person or by proxy, a majority 
of the outstanding capital stock of the Corporation entitled to vote on that 
matter at such meeting.

           (b)  With respect to any other matter other than the election of 
directors, the votes of a majority in interest of those present at any properly 
called meeting or adjourned meeting of stockholders at which a quorum, as 
defined above, is present, shall be sufficient to transact business.

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     2.8   Voting of Shares.

           (a) Except as otherwise provided by these Bylaws or to the extent
that voting rights of the shares of any class or classes are limited or denied
by the Articles of Incorporation, each stockholder, on each matter submitted to
a vote at a meeting of stockholders, shall have one vote for each share of
stock registered in his name on the books of the Corporation.

           (b) Directors are to be elected by a plurality of votes cast by the 
shares entitled to vote in the election at a meeting at which a quorum is 
present.  Stockholders shall not be permitted to cumulate their votes for the 
election of directors. If, at any meeting of the stockholders, due to a vacancy
or vacancies or otherwise, directors of more than one class of the Board of
Directors are to be elected, each class of directors to be elected at the
meeting shall be elected in a separate election by a plurality vote.

     2.9   Closing of Transfer Books and Fixing Record Date.   For the purpose 
of determining stockholders entitled to notice of or to vote at any meeting 
of stockholders, or any adjournment thereof, or entitled to receive payment of 
any distribution by the Corporation or a share dividend, or in order to make a 
determination of stockholders for any other proper purpose, the Board of 
Directors may provide that the stock transfer books shall be closed for a stated
period not to exceed sixty days preceding such meeting.  If the share transfer 
records shall be closed for the purpose of determining shareholders entitled to 
notice of or to vote at a meeting of stockholders, such records shall be closed 
for at least ten days immediately preceding such meetings.  In lieu of closing 
the stock transfer books, the Board of Directors may fix in advance a record 
date for any such determination of stockholders, such date to be not more than 
sixty days and, in case of a meeting of stockholders, not less than ten days 
prior to the date on which the particular action requiring such determination of
stockholders is to be taken.

     2.10  Proxies.  A stockholder may vote either in person or by proxy 
executed in writing by the stockholder, or his duly authorized attorney-in-fact.
No proxy shall be valid after eleven months from the date of its execution,
unless otherwise provided in the proxy.

     2.11  Waiver of Notice.  Whenever any notice is required to be given to 
any stockholder, a waiver of notice signed by the person or persons entitled to
such notice, whether before or after the time stated therein for the meeting,
shall be equivalent to the giving of such notice.

     2.12  Voting of Shares in the Name of Two or More Persons.  When ownership 
stands in the name of two or more persons, in the absence of written directions
to the Corporation to the contraty, at any meeting of the stockholders of the
Corporation any one or more of such stockholders may cast, in person or by
proxy, all votes to which such ownership is entitled. In the event an attempt is
made to cast conflicting votes, in person or by proxy, by the several persons in
whose names shares of stock stand, the vote or votes to which

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those persons are entitled shall be cast as directed by a majority of those 
holding such stock and present in person or by proxy at such meeting, but no 
votes shall be cast for such stock if a majority cannot agree.

     2.13  Voting of Shares by Certain Holders.  Shares standing in the name of 
another corporation may be voted by an officer, agent or proxy as the bylaws of 
such corporation may prescribe, or, in the absence of such provision, as the 
Board of Directors of such corporation may determine.  Shares held by an 
administrator, executor, guardian or conservator may be voted by him, either 
in person or by proxy, so long as such shares forming a part of an estate are in
the possession and forming a part of the estate being served by him, without a 
transfer of such shares into his name.  Shares standing in the name of a trustee
may be voted by him, either in person or by proxy, but no trustee shall be 
entitled to vote shares held by him without a transfer of such shares into his 
name as trustee.  Shares standing in the name of a receiver and shares held by 
or under the control of a receiver may be voted by such receiver without the 
transfer thereof into his name if authority to do so is contained in an 
appropriate order of the court or other public authority by which such receiver 
was appointed.  A stockholder whose shares are pledged shall be entitled to vote
such shares until the shares have been transferred into the name of the pledgee,
and thereafter the pledgee shall be entitled to vote the shares so transferred.

     2.14  Stockholder Proposals.  Stockholder proposals shall be made in 
accordance with the provisions of the Corporation's Articles of Incorporation, 
which provisions are incorporated herein with the same effect as if they were 
set forth herein.

     2.15  Inspectors.  For each meeting of stockholders, the Board of Directors
may appoint one or more inspectors of election.  If for any meeting the 
inspector(s) appointed by the Board of Directors shall be unable to act or the 
Board of Directors shall fail to appoint any inspector, one or more inspectors 
may be appointed at the meeting by the chairman thereof.  Such inspectors 
shall conduct the voting in each election of directors and, as directed by the 
Board of Directors or chairman of the meeting, the voting on the matters voted 
on at such meeting, and after the voting shall make a certificate of the vote 
taken.  Inspectors need not be stockholders.

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                                  ARTICLE III

                                 CAPITAL STOCK

     3.1   Certificates.  Certificates of stock shall be issued in numerical 
order, and each stockholder shall be entitled to a certificate signed by the 
Chief Executive Officer, the President or a Vice President, and the Secretary or
the Treasurer, and may be sealed with the seal of the Corporation or a facsimile
thereof.  The signatures of such officers may be facsimiles if the certificate 
is manually signed on behalf of a transfer agent, or registered by a registrar, 
other than the Corporation itself or any employee of the Corporation.  If an 
officer who has signed or whose facsimile signature has been placed upon such 
certificate ceases to be an officer before the certificate is issued, it may be 
issued by the Corporation with the same effect as if the person were an officer 
on the date of issue.  Each certificate of stock shall state:

           (a) that the Corporation is organized under the laws of the State 
of Texas;

           (b) the name of the person to whom issued;

           (c) the number and class of shares and the designation of the series,
if any, which such certificate represents; and

           (d) the par value of each share represented by such certificate.

     3.2   Transfers.

           (a) Transfers of stock shall be made only upon the stock transfer 
books of the Corporation, kept at the registered office of the Corporation or at
its principal place of business, or at the office of its transfer agent or 
registrar, and before a new certificate is issued the old certificate shall be 
surrendered for cancellation.  The Board of Directors may, by resolution, open a
share register in any state of the United States, and may employ an agent or 
agents to keep such register, and to record transfers of shares therein.

           (b) Shares of stock shall be transferred by delivery of the 
certificates therefor, accompanied either by an assignment in writing on the 
back of the certificate or an assignment separate from the certificate, or by a 
written power of attorney to sell, assign and transfer the same, signed by the 
holder of said certificate.  No shares of stock shall be transferred on the 
books of the Corporation until the outstanding certificates therefor have been 
surrendered to the Corporation.

     3.3   Registered Owner.  Registered stockholders shall be treated by the
Corporation as the holders in fact of the stock standing in their respective
names and the Corporation shall not be bound to recognize any equitable or other
claim to or interest in any share on the part of any other person, whether or
not it shall have express or other notice thereof,

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except as expressly provided below or by the laws of the State of Texas. The 
Board of Directors may adopt by resolution a procedure whereby a stockholder of
the Corporation may certify in writing to the Corporation that all or a portion 
of the shares registered in the name of such stockholder are held for the 
account of a specified person or persons.

     3.4   Mutilated, Lost or Destroyed Certificates. In case of any mutilation,
loss or destruction of any certificate of stock,another may be issued in its
place upon receipt of proof of such mutilation, loss or destruction. The Board
of Directors may impose conditions on such issuance and may require the giving
of a satisfactory bond or indemnity to the Corporation in such sum as they might
determine or establish such other procedures as they deem necessary.

     3.5   Fractional Shares or Scrip.  The Corporation may (a) issue fractions 
of a share which shall entitle the holder to exercise voting rights, to receive 
dividends thereon, and to participate in any of the assets of the Corporation in
the event of liquidation; (b) arrange for the disposition of fractional 
interests by those entitled thereto; (c) pay in cash the fair value of fractions
of a share as of the time when those entitled to receive such shares are 
determined; or (d) issue scrip in registered or bearer form which shall entitle 
the holder to receive a certificate for a full share upon the surrender of such 
scrip aggregating a full share.

     3.6   Shares of Another Corporation.  Shares owned by the Corporation in 
another corporation, domestic or foreign, may be voted by such officer, agent or
proxy as the Board of Directors may determine or, in the absence of such 
determination, by Chief Executive Officer or the President of the Corporation.

                                  ARTICLE IV

                              BOARD OF DIRECTORS

     4.1   Number and Powers.  The management of all the affairs, property and 
interests of the Corporation shall be vested in a Board of Directors.  The Board
of Directors shall consist of eight persons as of the effective date of these 
Bylaws.  Directors need not be residents of the State of Texas.  The Board of 
Directors, other than those who may be elected by the holders of any class or 
series of stock having preference over the Common Stock as to dividends or upon 
liquidation, shall be divided into three classes as nearly equal in number as 
possible, with one class to be elected annually. At the first annual meeting of
stockholders following the effective date of these Articles of Incorporation,
directors of the first class shall be elected to hold office for a term expiring
at the next succeeding annual meeting, directors of the second class shall be
elected to hold office for a term expiring at the second succeeding annual
meeting, and directors of the third class shall be elected to hold office for a
term expiring at the third succeeding annual meeting; and, as to directors of
each class, when their respective successors are elected and qualified. At each
subsequent annual meeting of stockholders, directors elected to succeed those
whose terms are expiring shall be elected for a term of office to expire at the
third succeeding annual

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meeting of stockholders and when their respective successors are elected and 
qualified.  Stockholders of the Corporation shall not be permitted to cumulate 
their votes for the election of directors.  In addition to the powers and 
authorities expressly conferred upon it by these Bylaws and the Articles of 
Incorporation, the Board of Directors may exercise all such powers of the 
Corporation and do all such lawful acts and things as are not by statute or by 
the Articles of Incorporation or by these Bylaws directed or required to be 
exercised or done by the stockholders.

     4.2   Change of Number.  The number of directors may at any time be 
increased or decreased by a vote of a majority of the Whole Board of Directors 
and a majority of the Continuing Directors, as such terms are defined in the 
Articles of Incorporation, provided that no decrease shall have the effect of 
shortening the term of any incumbent director except as provided in Sections 4.3
and 4.4 hereunder.

     4.3   Vacancies.  All vacancies in the Board of Directors shall be filled 
in the manner provided in the Corporation's Articles of Incorporation, which 
provisions are incorporated herein with the same effect as if they were set 
forth herein.

     4.4   Removal of Directors.  Directors may be removed in the manner 
provided in the Corporation's Articles of Incorporation, which provisions are 
incorporated herein with the same effect as if they were set forth herein.

     4.5   Regular Meetings.  Regular meetings of the Board of Directors or any 
committee may be held without notice at the principal place of business of the 
Corporation or at such other place or places, either within or without the State
of Texas, as the Board of Directors or such committee, as the case may be, may
from time to time designate. The annual meeting of the Board of Directors shall
be held without notice immediately after the adjournment of the annual meeting
of stockholders.

     4.6   Special Meetings.

           (a) Special meetings of the Board of Directors may be called at any 
time by the Chairman, the Chief Executive Officer, the President or by a
majority of the authorized number of directors, to be held at the principal
place of business of the Corporation or at such other place or places as the
Board of Directors or the person or persons calling such meeting may from time
to time designate. Notice of all special meetings of the Board of Directors
shall be given to each director by at least one days' service of the same by
facsimile or personally, and by at least three days' service when delivered by
mail at the address at which the director is most likely to be reached. Such
notice shall be deemed to be delivered when deposited in the mail so addressed
with postage prepared, or when delivered to the telegraph company if sent by
telegram. Such notice need not specify the business to be transacted at, nor the
purpose of, the meeting.

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           (b) Special meetings of any committee may be called at any time by 
such person or persons and with such notice as shall be specified for such 
committee by the Board of Directors, or in the absence of such specification, in
the manner and with the notice required for special meetings of the Board of 
Directors.

     4.7   Quorum.  A majority of the Whole Board of Directors, as such term is 
defined in the Corporation's Articles of Incorporation, shall be necessary at 
all meetings to constitute a quorum for the transaction of business.

     4.8   Waiver of Notice.  Attendance of a director at a meeting of directors
shall constitute a waiver of notice of such meeting, except where a director 
attends for the express purpose of objecting to the transaction of any business 
because the meeting is not lawfully called or convened.  A waiver of notice 
signed by the director or directors, whether before or after the time stated for
the meeting, shall be equivalent to the giving of notice.

     4.9   Registering Dissent.  A director who is present at a meeting of the 
Board of Directors at which action on a corporate matter is taken shall be 
presumed to have assented to such action unless his dissent shall be entered in 
the minutes of the meeting, or unless he shall file  his written dissent to such
action with the person acting as the secretary of the meeting, before the 
adjournment thereof, or shall forward such dissent by registered mail to the 
Secretary of the Corporation immediately after the adjournment of the meeting.  
Such right to dissent shall not apply to a director who voted in favor of such 
action.

     4.10  Executive, Audit and Other Committees.  Standing or special 
committees may be appointed from its own number by the Board of Directors from
time to time and the Board of Directors may from time to time invest such
committees with such powers as it may see fit, subject to such conditions as may
be prescribed by the Board. An Executive Committee may be appointed by
resolution passed by a majority of the Whole Board of Directors, as such term is
defined in the Corporation's Articles of Incorporation. It shall have and
exercise all of the authority of the Board of Directors, except in reference to
amending the Articles of Incorporation, adopting a plan of merger or
consolidation, recommending the sale, lease or exchange or other disposition of
all or substantially all the property and assets of the Corporation otherwise
than in the usual and regular course of business, recommending a voluntary
dissolution or a revocation thereof, or amending these Bylaws. An Audit
Committee may be appointed by a resolution approved by a majority of the Whole
Board of Directors, as such term is defined in the Corporation's Articles of
Incorporation, and at least a majority of the members of the Audit Committee
shall be directors who are not also officers of the Corporation. The Audit
Committee shall recommend independent auditors to the Board of Directors
annually and shall review the Corporation's budget, the scope and results of the
audit performed by the Corporation's independent auditors and the Corporation's
system of internal control with management and such independent auditors, and
such other duties as may be assigned to such Committee. All committees so
appointed shall keep regular minutes of the transactions of their meetings and
shall cause them to be recorded in books kept for that purpose in the

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office of the Corporation.  The designation of any such committee, and the 
delegation of authority thereto, shall not relieve the Board of Directors, or 
any member thereof, of any responsibility imposed by law.

     4.11  Remuneration.  Directors, as such, may receive a stated salary for 
their service, but by resolution of the Board of Directors, a fixed sum and 
expenses of attendance, if any, may be allowed for attendance at each regular or
special meeting of such Board.  Members of standing or special committees may be
allowed like compensation for attending committee meetings.

     4.12   Action by Directors Without a Meeting.  Any action required or which
may be taken at a meeting of the directors, or of a committee thereof, may be
taken without a meeting if a consent in writing, setting forth the action so
taken or to be taken, shall be signed by all of the directors, or all of the
members of the committee, as the case may be. Such consent shall have the same
effect as a unanimous vote.

     4.13  Action of Directors by Communications Equipment.  Any action required
or which may be taken at a meeting of directors, or of a committee thereof, may 
be taken by means of a conference telephone or similar communications equipment 
by means of which all persons participating in the meeting can hear or identify 
each other at the meeting.

     4.14  Nominations. Nominations of candidates for election as directors at 
any annual meeting of stockholders shall be made in the manner set forth in the 
provisions of the Corporation's Articles of Incorporation, which provisions are 
incorporated herein with the same effect as if they were set forth herein.

                                   ARTICLE V

                                   OFFICERS

     5.1   Designations.  The officers of the Corporation shall be a Chairman of
the Board, a Chief Executive Officer, a President, a Secretary and a Treasurer, 
such Vice Presidents, Assistant Secretaries and Assistant Treasurers as the 
Board may designate, each of whom shall be elected by a majority vote of the 
Board of Directors for one year at their first meeting after the annual meeting 
of stockholders, and who shall hold office until their successors are elected 
and qualify.  The Board of Directors also may elect or authorize the appointment
of such other officers as the business of the Corporation may require.  Any two 
or more offices may be held by the same person.

     5.2   Powers and Duties.  The officers of the Corporation shall have such 
authority and perform such duties as the Board of Directors may from time to 
time authorize and determine.  In the absence of action of the Board of 
Directors, the officers shall have such powers and duties as may be provided in 
these Bylaws and as generally pertain to their respective offices.

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     5.3  Delegation.  In the case of absence or inability to act of any officer
of the Corporation and of any person herein authorized to act in his place, the
Board of Directors may from time to time delegate the powers or duties of such
officer to any other officer or any directors or other person whom it may
select.

     5.4  Vacancies.  Vacancies in any office arising from any cause may be 
filled by a vote of a majority of the Whole Board of Directors, as such term is 
defined in the Articles of Incorporation, at any regular or special meeting of 
the Board.

     5.5  Other Officers.  The Board of Directors may appoint such other 
officers and agents as it shall deem necessary or expedient, who shall hold
their offices for such terms and shall exercise such powers and perform such
duties as shall be determined from time to time by the Board of Directors.

     5.6  Term; Removal.  The officers of the Corporation shall hold office 
until their successors are chosen and qualify. any officer or agent elected or 
appointed by the Board of Directors may be removed at any time, with or without 
cause, by the affirmative vote of a majority of the Whole Board of Directors, as
such term is defined in the Corporation's Articles of Incorporation, but such 
removal shall be without prejudice to the contract rights, if any, of the person
so removed.

                                   ARTICLE VI

                             DIVIDENDS AND FINANCE

     6.1  Dividends.  Subject to the conditions and limitations imposed by law 
and regulation, dividends may be declared by the Board of Directors and paid by 
the Corporation.

     6.2  Reserves.  There may be set aside out of the net earnings of the 
Corporation such sum or sums as the directors from time to time in their 
absolute discretion deem expedient as a reserve fund to meet contingencies or 
for any other proper purpose.

     6.3  Depositories.  The monies of the Corporation shall be deposited in the
name of the Corporation in such financial institution or financial institutions
or trust company or trust companies as the Board of Directors shall designate, 
and shall be drawn out only by check or other order for payment of money signed 
by such persons and in such manner as may be determined by resolution of the 
Board of Directors.

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                                  ARTICLE VII

                                    NOTICES

     Except as may otherwise be required by law, any notice to any stockholder 
or director may be delivered personally or by mail. If mailed, the notice shall 
be deemed to have been delivered when deposited in the United States mail, 
addressed to the addressee at his last known address in the records of the 
Corporation, with postage thereon prepaid.


                                 ARTICLE VIII

                                     SEAL

     The corporate seal of the Corporation shall be in such form and bear such 
inscription as may be adopted by resolution of the Board of Directors, or by 
usage of the officers on behalf of the Corporation.


                                  ARTICLE IX

                               BOOKS AND RECORDS

     The Corporation shall keep correct and complete books and records of 
account and shall keep minutes and proceedings of its stockholders and Board 
of Directors; and it shall keep at its registered office or principal place of 
business, or at the office of its transfer agent or registrar, a record of its 
stockholders, giving the names and addresses of all stockholders and the number 
and class of the shares held by each. Any books, records and minutes may be in 
written form or any other form capable of being  converted into written form 
within a reasonable time.


                                   ARTICLE X

                           FISCAL YEAR; ANNUAL AUDIT

     The fiscal year of the Corporation shall end on the 30th day of June each 
year. The Corporation shall be subject to an annual audit as of the end of its 
fiscal year by independent public accountants appointed by and responsible to 
the Board of Directors. The appointment of such accountants shall be subject to 
annual ratification by the stockholders.

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          (b)  The Savings Bank shall indemnify any person who is a director, 
agent, officer, employee or agent of the Savings Bank to the extent set forth in
the Savings Bank's Articles of Incorporation, which provisions are incorporated 
herein with the same affect as if they were set forth herein.

          (c)  A blanket indemnity bond, as required by law, covering all 
officers, employees and any director of the Savings Bank when performing the 
duty of an employee or officer shall be maintained by the Savings Bank, which is
satisfactory to the Savings and Loan Commissioner of the State of Texas.

                                  ARTICLE XII

                                  AMENDMENTS

     These Bylaws may be altered amended or repealed only in the manner set 
forth in the Savings Bank's Articles of Incorporation, which provisions are 
incorporated herein with the same effect as if they were set forth herein.

                                 ARTICLE XIII

                                 SEVERABILITY

     If a final judicial determination is made or an order is issued by a court 
or government regulatory agency having jurisdiction that any provision of these 
Bylaws is unreasonable or otherwise unenforceable, such provisions shall not be 
rendered void, but shall be deemed amended to apply to the maximum extent as 
such court or government regulatory agency may determine or indicate to be 
reasonable.  If, for any reason, any provision of these Bylaws shall be held 
invalid, such invalidity shall not affect any other provision of these Bylaws 
not held so invalid, and each such other provision shall, to the full extent 
consistent with law, continue in full force and effect.  If any provision of 
these Bylaws shall be held invalid in part, such invalidity shall in no way 
affect the remainder of such provision, and the remainder of such provision, 
together with all other provisions of these Bylaws shall, to the full extent 
consistent with law, continue in full force and effect.

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