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TABLE OF CONTENTS
 ARTICLE I INTERPRETATION AND DEFINITIONS
    
    
    1Section 1.1. Interpretation
    
    
    1Section 1.2. Certain Definitions
    
    
    2ARTICLE II THE TRUST
    
    
    11Section 2.1. Name
    
    
    11Section 2.2. Office of the Delaware Trustee; Principal Place of Business
    
    
    11Section 2.3. Organizational Expenses
    
    
    11Section 2.4. Issuance of the Capital Securities
    
    
    12Section 2.5. Issuance of the Common Securities; Subscription and Purchase of Subordinated Notes
    
    
    12Section 2.6. Declaration of Trust
    
    
    12Section 2.7. Authorization to Enter into Certain Transactions
    
    
    13Section 2.8. Assets of Trust
    
    
    16Section 2.9. Title to Trust Property
    
    
    16ARTICLE III PAYMENT ACCOUNT
    
    
    16Section 3.1. Payment Account
    
    
    16ARTICLE IV DISTRIBUTIONS; REDEMPTION
    
    
    17Section 4.1. Distributions
    
    
    17Section 4.2. Redemption
    
    
    17Section 4.3. Distributions to and Subordination of Common Securities
    
    
    19Section 4.4. Payment Procedures
    
    
    20Section 4.5. Tax Returns and Reports
    
    
    20Section 4.6. Payment of Taxes; Duties of the Trustee
    
    
    20Section 4.7. Payments under Subordinated Loan Agreement or Guarantee Agreement or Pursuant to Direct Actions
    
    
    20Section 4.8. Liability of the Holder of Common Securities
    
    
    21ARTICLE V TRUST SECURITIES CERTIFICATES
    
    
    21Section 5.1. Initial Ownership
    
    
    21Section 5.2. The Trust Securities Certificates
    
    
    21Section 5.3. Execution and Delivery of Trust Securities Certificates
    
    
    21Section 5.4. Registration of Transfer and Exchange of Capital Securities Certificates
    
    
    21Section 5.5. Mutilated, Destroyed, Lost or Stolen Trust Securities Certificates
    
    
    23Section 5.6. Persons Deemed Holders
    
    
    23Section 5.7. Access to List of Holders= Names and Addresses
    
    
    23Section 5.8. Maintenance of Office or Agency
    
    
    24Section 5.9. Appointment of Paying Agent
    
    
    24Section 5.10. Ownership of Common Securities by Depositor
    
    
    24
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Section 5.11. Rights of Holders
    
    
    25ARTICLE VI ACTS OF HOLDERS; VOTING
    
    
    26Section 6.1. Limitations on Voting Rights
    
    
    26Section 6.2. Acts of Holders
    
    
    27Section 6.3. Inspection of Records
    
    
    28ARTICLE VII REPRESENTATIONS AND WARRANTIES
    
    
    28Section 7.1. Representations and Warranties of the Property Trustee and the Delaware Trustee
    
    
    28Section 7.2. Representations and Warranties of Depositor
    
    
    29ARTICLE VIII THE TRUSTEES; THE ADMINISTRATORS
    
    
    29Section 8.1. Certain Duties and Responsibilities
    
    
    29Section 8.2. Certain Notices
    
    
    31Section 8.3. Certain Rights of Property Trustee
    
    
    31Section 8.4. Not Responsible for Recitals or Issuance of Securities
    
    
    34Section 8.5. May Hold Securities
    
    
    34Section 8.6. Compensation; Indemnity Fees
    
    
    34Section 8.7. Corporate Property Trustee Required; Eligibility of Trustees and Administrators
    
    
    36Section 8.8. Co-Trustees and Separate Trustee
    
    
    36Section 8.9. Resignation and Removal; Appointment of Successor
    
    
    37Section 8.10. Acceptance of Appointment by Successor
    
    
    38Section 8.11. Merger, Conversion, Consolidation or Succession to Business
    
    
    39Section 8.12. Preferential Collection of Claims Against Depositor or Trust
    
    
    39Section 8.13. Reports by Property Trustee
    
    
    40Section 8.14. Number of Trustees
    
    
    40Section 8.15. Delegation of Power
    
    
    40Section 8.16. Appointment of Administrators
    
    
    41ARTICLE IX TERMINATION AND MERGER
    
    
    41Section 9.1. Termination Upon Expiration Date
    
    
    41Section 9.2. Early Termination
    
    
    41Section 9.3. Termination
    
    
    42Section 9.4. Liquidation
    
    
    42Section 9.5. No Mergers, Consolidations, Amalgamations or Replacements of the Trust
    
    
    43Section 9.6. Certificate of Cancellation
    
    
    43ARTICLE X MISCELLANEOUS PROVISIONS
    
    
    43Section 10.1. Limitation of Rights of Holders
    
    
    43Section 10.2. Amendment
    
    
    43Section 10.3. Separability
    
    
    44Section 10.4. Governing Law
    
    
    44
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Section 10.5. Payments Due on Non-Business Day
    
    
    45Section 10.6. Successors
    
    
    45Section 10.7. Headings
    
    
    45Section 10.8. Reports, Notices and Demands
    
    
    45Section 10.9. Agreement Not to Petition
    
    
    46Section 10.10. Acceptance of Terms of Trust Agreement, Guarantee Agreement and Subordinated Loan Agreement
    
    
    46Section 10.11. Counterparts
    
    
    47Section 10.12. Limited Liability
    
    
    47
 - iv -




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-v-




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AMENDED AND RESTATED TRUST AGREEMENT
 Depositor Property Trustee Bank Delaware Trustee Trustees th Administrator Administrators
 Original
Declaration Certificate of
Trust
   ARTICLE I
INTERPRETATION AND DEFINITIONS
 Section 1.1. Interpretation
  1




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Section 1.2. Certain Definitions
 Act
 Administrators
 Affiliate provided, however control
 Bank
 Bankruptcy
Event
  2




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Bankruptcy
Laws
 Board
Resolution
 Business
Day
 Capital
Securities Certificate
 Capital
Security
  Certificate
of Trust 
 Closing
Date
 3




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Common
Securities Certificate
 Common
Security
 Corporate
Trust Office
 Default
 Delaware
Business Trust Act '
 Delaware
Trustee ADelaware
Trustee
 Depositor
 Direct
Action
 Distribution
Date
 Distributions
 Early
Termination Event
 Event
of Default
   4




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Exchange
Act
 Exchange
Notes
 Expense
Agreement
 Expiration
Date
 Guarantee
Agreement
 Holder
  Initial
Liquidation Amount 
  Initial Liquidation Preference 
  Institutional Investor 
 5




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Lien
 Like
Amount
  Liquidation Amount 
 Liquidation
Date
 Liquidation
Preference
 Loan
 1940
Act
 Officers
Certificate
 6




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Opinion
of Counsel
  Original Declaration 
 Past
Due Distribution Rate
 Paying
Agent
 Payment
Account
 Person
 Property
Trustee
 Subscription
Agreement
 Purchasers
 7




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Redemption
Amount
 Redemption
Date
 Relevant
Trustee
 Responsible
Officer
 Restricted
Legend
 Securities
Act
 Securities
Register Securities
Registrar
 Settlement
Date
 Significant
Bank Subsidiary
 Special
Event
 Subordinated
Loan Agreement
 Subordinated
Note
 8




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Subordinated
Note Event of Default
 Subordinated
Note Repayment Date
 Suspension
Event
 Trust
  Trust Agreement 
 Trust
Property
 Trust
Securities Certificate
 Trust
Security
 Trustees
 Unscheduled
Redemption
 Unscheduled
Redemption Date
 ARTICLE II
THE TRUST
 Section 2.1. Name .  MetroCorp Capital
Trust I
 9




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Section 2.2. Office of the Delaware Trustee; Principal Place of Business th
 Section 2.3. Organizational Expenses
 Section 2.4. Issuance of the Capital Securities .
 Section 2.5. Issuance of the Common Securities; Subscription and Purchase of Subordinated Notes .
 Section 2.6. Declaration of Trust .
 10




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Section 2.7. Authorization to Enter into Certain Transactions .
  provided , however
     11




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12




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13




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@
 Section 2.8. Assets of Trust .
 Section 2.9. Title to Trust Property
 ARTICLE III
PAYMENT ACCOUNT
 Section 3.1. Payment Account .
 14




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ARTICLE IV
DISTRIBUTIONS; REDEMPTION
 Section 4.1. Distributions
 Distribution Date
  Scheduled
Rate  Scheduled
Distribution Rate
   15




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Section 4.2. Redemption. (a) Unscheduled Redemptions, Including Upon Acceleration of the
Loan . provided that Unscheduled Redemption
 Redemption Procedures. Unscheduled Redemption
Date
 Other Redemption Matters.
 16




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Section 4.3. Distributions to and Subordination of Common Securities
 17




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Section 4.4. Payment Procedures
 Section 4.5. Tax Returns and Reports =
 Section 4.6. Payment of Taxes; Duties of the Trustee
 18




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Section 4.7. Payments under Subordinated Loan Agreement or Guarantee Agreement or Pursuant
to Direct Actions
 Section 4.8. Liability of the Holder of Common Securities
 ARTICLE V
TRUST SECURITIES CERTIFICATES
 Section 5.1. Initial Ownership
 Section 5.2. The Trust Securities Certificates =
 Section 5.3. Execution and Delivery of Trust Securities Certificates
 Section 5.4. Registration of Transfer and Exchange of Capital Securities Certificates
 19




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Securities Register Securities
Registrar
      20




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Section 5.5. Mutilated, Destroyed, Lost or Stolen Trust Securities Certificates . provided that =
 Section 5.6. Persons Deemed Holders .
 Section 5.7.
Access to List of Holders= Names and Addresses .
 21




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Section 5.8. Maintenance of Office or Agency .
 Section 5.9. Appointment of Paying Agent . Paying Agent =
 22




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Section 5.10. Ownership of Common Securities by Depositor . @
 Section 5.11. Rights of Holders .
 provided
  23




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ADirect Action @
 ARTICLE VI
ACTS OF HOLDERS; VOTING
 Section 6.1. Limitations on Voting Rights .
  24




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provided, however,
  Section 6.2. Acts of Holders . Act
 25




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Section 6.3. Inspection of Records =
 ARTICLE VII
REPRESENTATIONS AND WARRANTIES
 Section 7.1. Representations and Warranties of the Property Trustee and the Delaware Trustee .
     26




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=
 Section 7.2. Representations and Warranties of Depositor
 27




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ARTICLE VIII
THE TRUSTEES; THE ADMINISTRATORS
 Section 8.1. Certain Duties and Responsibilities
 
   28




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=
   Section 8.2. Certain Notices
 =
 Section 8.3. Certain Rights of Property Trustee
 29




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=
 =
     30




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=
   31




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provided , however
 provided , however
   Section 8.4. Not Responsible for Recitals or Issuance of Securities
 32




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Section 8.5. May Hold Securities
 Section 8.6. Compensation; Indemnity Fees
   AIndemnified Person @
   33




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Section 8.7. Corporate Property Trustee Required; Eligibility of Trustees and Administrators
   34




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Section 8.8. Co-Trustees and Separate Trustee
      35




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Section 8.9. Resignation and Removal; Appointment of Successor ARelevant Trustee @
    36




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Section 8.10. Acceptance of Appointment by Successor
   Section 8.11. Merger, Conversion, Consolidation or Succession to Business provided
 37




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Section 8.12. Preferential Collection of Claims Against Depositor or Trust
     Section 8.13. Reports by Property Trustee
   38




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Section 8.14. Number of Trustees
   Section 8.15. Delegation of Power
  Section 8.16. Appointment of Administrators
   39




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ARTICLE IX
TERMINATION AND MERGER
 Section 9.1. Termination Upon Expiration Date Expiration Date
 Section 9.2. Early Termination Early Termination Event
  Exchange
Notes provided, however, provided,
further, that,
  40




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Section 9.3. Termination .
    Section 9.4. Liquidation =
      41




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Section 9.5. No Mergers, Consolidations, Amalgamations or Replacements of the Trust
 Section 9.6. Certificate of Cancellation
 ARTICLE X
MISCELLANEOUS PROVISIONS
 Section 10.1. Limitation of Rights of Holders
 Section 10.2. Amendment .
  42




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=
 Section 10.3. Separability
 SECTION 10.4. GOVERNING LAW PROVIDED, HOWEVER
 43




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Section 10.5. Payments Due on Non-Business Day
 Section 10.6. Successors =
 Section 10.7. Headings
 Section 10.8. Reports, Notices and Demands = th
  44




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Section 10.9. Agreement Not to Petition .  Bankruptcy
Laws
 SECTION 10.10. ACCEPTANCE OF TERMS OF TRUST AGREEMENT, GUARANTEE AGREEMENT AND SUBORDINATED
LOAN AGREEMENT. THE RECEIPT AND ACCEPTANCE OF A TRUST SECURITY OR ANY INTEREST THEREIN BY OR ON
BEHALF OF A HOLDER OR ANY OTHER PERSON HAVING A BENEFICIAL INTEREST THEREIN, WITHOUT ANY SIGNATURE
OR FURTHER MANIFESTATION OF ASSENT, SHALL CONSTITUTE THE UNCONDITIONAL ACCEPTANCE BY THE HOLDER AND
SUCH OTHERS OF ALL THE TERMS AND PROVISIONS OF THE TRUST AGREEMENT AND AGREEMENT TO THE
SUBORDINATION PROVISIONS AND OTHER TERMS OF THE GUARANTEE AGREEMENT AND THE SUBORDINATED LOAN, AND
SHALL CONSTITUTE THE AGREEMENT OF THE TRUST, SUCH HOLDER AND SUCH OTHERS THAT THE TERMS AND
PROVISIONS OF THIS TRUST AGREEMENT SHALL BE BINDING, OPERATIVE AND EFFECTIVE AS BETWEEN THE TRUST
AND SUCH HOLDER AND SUCH OTHERS.
 Section 10.11. Counterparts .
 Section 10.12. Limited Liability .
 45




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46




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MetroCorp, Inc.By:
    
    /s/ Gary D. AndersenName: Gary D. AndersenTitle: PresidentWilmington Trust Company, as Property TrusteeBy:
    
    /s/Name:Title:Wilmington Trust Company, as Delaware TrusteeBy:
    
    /s/Name:Title:/s/ Gary D. AndersenGary D. Andersen, as Administrator/s/ Julius J. Van PaemelJulius J. Van Paemel, as Administrator
 47




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EXHIBIT A




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CERTIFICATE OF TRUST
 OF
 METROCORP CAPITAL TRUST I
 ' ' et seq.
 Name
 Delaware Trustee
 
 ' '
 WILMINGTON TRUST COMPANY
as TrusteeBy:Name:




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Exhibit B
 THIS CERTIFICATE IS NOT TRANSFERABLE
 Certificate Number
A-1
    
    
    
    Number of Common Securities
One (1)
 CERTIFICATE EVIDENCING COMMON SECURITIES
 OF
 METROCORP CAPITAL TRUST I
 COMMON SECURITIES
 (Initial Liquidation Amount $309,278 per Common Security)
 Trust Holder Common
Security Common
Securities Trust Agreement
  B-1




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METROCORP CAPITAL TRUST IBy:Name: Gary D. Andersen
     Title: AdministratorBy:Name: Julius J. Van Paemel
     Title: Administrator
 B-2




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Exhibit C
 
 Certificate Number
    
    Number of Capital SecuritiesP-
    
    []
      Trust Holder [_________ Insert number of Capital Securities] Capital
Securities Trust Agreement Depositor Guarantee
 C-1




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METROCORP CAPITAL TRUST IBy:Name: Gary D. Andersen
     Title: AdministratorBy:Name: Julius J. Van Paemel
     Title: Administrator
 C-2




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=




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AGREEMENT AS TO EXPENSES AND LIABILITIES
 Company Trust
 Common
Securities Subordinated Note Capital
Securities Trust
Agreement
    Beneficiaries Obligations
  D-1




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D-2




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th
   D-3




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METROCORP, INC.By:
    
    /s/ Gary AndersenName: Gary Andersen
Title: PresidentMETROCORP CAPITAL TRUST IBy:
    
    /s/ Gary D. AndersenName: Gary D. Andersen
Title: AdministratorBy:
    
    /s/ Julius J. Van PaemelName: Julius J. Van Paemel
Title: Administrator
 D-4