<PAGE>   1
                                                                    Exhibit 10.1

                   COMMERCIAL PLEDGE AND SECURITY AGREEMENT


<TABLE>
<CAPTION>
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  PRINCIPAL       LOAN DATE      MATURITY       LOAN NO.     CALL      COLLATERAL     ACCOUNT    OFFICER      INITIALS
<S>               <C>           <C>             <C>          <C>        <C>           <C>         <C>
$10,000,000.00    01-13-1998    06-15-1998       0101         9A0         3210        0015131      010
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   References in the shaded area are for Lender's use only and do not limit the applicability of this document to any particular
loan or item.
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</TABLE>


<TABLE>
<S>                                                                            <C>
BORROWER:  SUCCESS BANCSHARES, INC.                                            LENDER:       COLE TAYLOR BANK
           ONE MARRIOTT DRIVE                                                                CORRESPONDENT BANKING
           LINCOLNSHIRE, IL 60069-3701                                                       7601 S. CICERO AVENUE
                                                                                             CHICAGO, IL 60652
GRANTOR:   SUCCESS BANCSHARES, INC. F/K/A LINCOLNSHIRE BANCSHARES, INC.
</TABLE>


THIS COMMERCIAL PLEDGE AND SECURITY AGREEMENT IS ENTERED INTO AMONG SUCCESS
BANCSHARES, INC. (REFERRED TO BELOW AS "BORROWER"); AND SUCCESS BANCSHARES,
INC. F/K/A LINCOLNSHIRE BANCSHARES, INC. (REFERRED TO BELOW  AS "GRANTOR"); AND
COLE TAYLOR BANK (REFERRED TO BELOW AS "LENDER").

GRANT OF SECURITY INTEREST.  FOR VALUABLE CONSIDERATION, GRANTOR GRANTS TO
LENDER A SECURITY INTEREST IN THE COLLATERAL TO SECURE THE INDEBTEDNESS AND
AGREES THAT LENDER SHALL HAVE THE RIGHTS STATED IN THIS AGREEMENT WITH RESPECT
TO THE COLLATERAL, IN ADDITION TO ALL OTHER RIGHTS WHICH LENDER MAY HAVE BY
LAW.

DEFINITIONS.  The following words shall have the following meanings when used
in this Agreement:

  AGREEMENT.  The word "Agreement" means this Commercial Pledge and Security
  Agreement, as this Commercial Pledge and Security Agreement may be amended or
  modified from time to time, together with all exhibits and schedules attached
  to this Commercial Pledge and Security Agreement from time to time.

  BORROWER.  The word "Borrower" means each and every person or entity signing
  the Note, including without limitation Success Bancshares, Inc.

  COLLATERAL.  The word "Collateral" means the following specifically described
  property, which Grantor has delivered or agrees to deliver (or cause to be
  delivered or appropriate book-entries made) immediately to Lender, together
  with all Income and Proceeds as described below:

       92.0% OF THE OUTSTANDING COMMON STOCK OF SUCCESS NATIONAL BANK F/K/A
       FIRST NATIONAL BANK OF LINCOLNSHIRE

       100.0% OF THE OUTSTANDING PREFERRED STOCK OF SUCCESS NATIONAL BANK F/K/A
       FIRST NATIONAL BANK OF LINCOLNSHIRE

  In addition, the word "Collateral" includes all property of Grantor, in the
  possession of Lender (or in the possession of a third party subject to the
  control of Lender), whether now or hereafter existing and whether tangible or
  intangible in character, including without limitation each of the following:

  (A) ALL PROPERTY TO WHICH LENDER ACQUIRES TITLE OR DOCUMENTS OF TITLE.

  (B) ALL PROPERTY ASSIGNED TO LENDER.

  (C) ALL PROMISSORY NOTES, BILLS OF EXCHANGE, STOCK CERTIFICATES, BONDS,
  SAVINGS PASSBOOKS, TIME CERTIFICATES OF DEPOSIT, INSURANCE POLICIES, AND ALL
  OTHER INSTRUMENTS AND EVIDENCES OF AN OBLIGATION.

  (D) ALL RECORDS RELATING TO ANY OF THE PROPERTY DESCRIBED IN THIS COLLATERAL
  SECTION, WHETHER IN THE FORM OF A WRITING, MICROFILM, MICROFICHE, OR
  ELECTRONIC MEDIA.

  EVENT OF DEFAULT.  The words "Event of Default" mean and include without
  limitation any of the Events of Default set forth below in the section titled
  "Events of Default."

  GRANTOR.  The word "Grantor" means Success Bancshares, Inc. f/k/a
  Lincolnshire Bancshares, Inc..  Any Grantor who signs this Agreement, but
  does not sign the Note, is signing this Agreement only to grant a security
  interest in Grantor's interest in the Collateral to Lender and is not
  personally liable under the Note except as otherwise provided by contract or
  law (e.g., personal liability under a guaranty or as a surety).

  GUARANTOR.  The word "Grantor" means and includes without limitation each and
  all of the guarantors, sureties, and accommodation parties in connection with
  the Indebtedness.

  INCOME AND PROCEEDS.  The words "Income and Proceeds" mean all present and
  future income, proceeds, earnings, increases, and substitutions from or for
  the Collateral of every kind and nature, including without limitation all
  payments, interest, profits, distributions, benefits, rights, options,
  warrants, dividends, stock dividends, stock splits, stock rights, regulatory
  dividends, distributions, subscriptions, monies, claims for money due and to
  become due, proceeds of any insurance on the Collateral, shares of stock of
  different par value or no par value issued in substitution or exchange for
  shares included in the Collateral, and all other property Grantor is entitled
  to receive on account of such Collateral, including accounts, documents,
  instruments, chattel paper, and general intangibles.

  INDEBTEDNESS.  The word "Indebtedness" means the indebtedness evidenced by
  the Note, including all principal and interest, together with all other
  indebtedness and costs and expenses for which Borrower or Grantor is
  responsible under this Agreement or under any of the Related Documents.  In
  addition, the word "Indebtedness" includes all other obligations, debts and
  liabilities, plus interest thereon, of Borrower, or any one or more of them,
  to Lender, as well as all claims by Lender against Borrower, or any one or
  more of them, whether existing now or later; whether they are voluntary or
  involuntary, due or not due, direct or indirect, absolute or contingent,
  liquidated or unliquidated; whether Borrower may be liable individually or
  jointly with others; whether Borrower may be obligated as guarantor, surety,
  accommodation party or otherwise; whether recovery upon such indebtedness may
  be or hereafter may become barred by any statute of limitations; and whether
  such indebtedness may be or hereafter may become otherwise unenforceable.

  LENDER.  The word "Lender" means COLE TAYLOR BANK, its successors and
  assigns.

  NOTE.  The word "Note" means the note or credit agreement dated January 13,
  1998, in the principal amount of $10,000,000.00 from Borrower to Lender,
  together with all renewals of, extensions of, modifications of, refinancings
  of, consolidations of and substitutions for the note or credit agreement.

  OBLIGOR.  The word "Obligor" means and includes without limitation any and
  all persons or entities obligated to pay money or to perform some other act
  under the Collateral.

  RELATED DOCUMENTS.  The words "Related Documents" mean and include without
  limitation all promissory notes, credit agreements, loan agreements,
  environmental agreements, guaranties, security agreements, mortgages, deeds
  of trust, and all other instruments, agreements and documents, whether now or
  hereafter existing, executed in connection with the indebtedness.

BORROWER'S WAIVERS AND RESPONSIBILITIES.  Except as otherwise required under
this Agreement or by applicable law, (a) Borrower agrees that Lender need not
tell Borrower about any action or inaction Lender takes in connection with this
Agreement; (b)  Borrower assumes the responsibility for being and keeping
informed about the Collateral; and (c) Borrower waives any defenses that may
arise because of any action or inaction of Lender, including without limitation
any failure of Lender to realize upon the Collateral or any delay by Lender in
realizing upon the Collateral; and Borrower agrees to remain liable under the
Note no matter what action Lender takes or fails to take under this Agreement.

GRANTOR'S REPRESENTATIONS AND WARRANTIES.  Grantor warrants that:  (a) this
Agreement is executed at Borrower's request and not at the request of Lender;
(b) Grantor has the full right, power and authority to enter into this
Agreement and to pledge the Collateral to Lender;  (c) Grantor has established
adequate means of obtaining from Borrower on a continuing basis information
about Borrower's financial condition; and  (d)  Lender has made no
representation to Grantor about Borrower or Borrower's creditworthiness.

GRANTOR'S WAIVERS.  Grantor waives all requirements of presentment, protest,
demand, and notice of dishonor or non-payment to Grantor, Borrower, or any
other party to the Indebtedness or the Collateral.  Lender may do any of the
following with respect to any obligation of any Borrower, without first
obtaining the consent of Grantor:  (a) grant any extension of time for any
payment, (b) grant any renewal, (c) permit any modification of payment terms or
other terms, or (d) exchange or release any Collateral or other security.  No
such act or failure to act shall affect Lender's rights against Grantor or the
Collateral.

If now or hereafter (a) Borrower shall be or become insolvent, and (b) the
Indebtedness shall not at all times until paid be fully secured by collateral
pledged by Borrower, Grantor hereby forever waives and relinquishes in favor of
Lender and Borrower, and their respective successors, any claim or


<PAGE>   2

01-13-1998         COMMERCIAL PLEDGE AND SECURITY AGREEMENT               PAGE 2

LOAN NO 0101                     (CONTINUED)
================================================================================

right to payment Grantor may now have or hereafter have or acquire against
Borrower, by subrogation or otherwise, so that at no time shall Grantor be or
become a "creditor" of Borrower within the meaning of 11 U.S.C. section 547(b),
or any successor provision of the Federal bankruptcy laws.

RIGHT OF SETOFF.  Grantor hereby grants Lender a contractual possessory
security interest in and hereby assigns, conveys, delivers, pledges, and
transfers all of Grantor's right, title and interest in and to Grantor's
accounts with Lender (whether checking, savings, or some other account),
including all accounts held jointly with someone else and all accounts Grantor
may open in the future, excluding, however, all IRA and Keogh accounts, and all
trust accounts for which the grant of a security interest would be prohibited
by law.  Grantor authorizes Lender, to the extent permitted by applicable
law, to charge or setoff all indebtedness against any and all such accounts.

GRANTOR'S REPRESENTATIONS AND WARRANTIES WITH RESPECT TO THE COLLATERAL.
Grantor represents and warrants to Lender that:

  OWNERSHIP.  Grantor is the lawful owner of the Collateral free and clear of
  all security interests, liens, encumbrances and claims of others except as
  disclosed to and accepted by lender in writing prior to execution of this
  Agreement.

  RIGHT TO PLEDGE.  Grantor has the full right, power and authority to enter
  into this Agreement and to pledge the Collateral.

  BINDING EFFECT.  This Agreement is binding upon Grantor, as well as Grantor's
  heirs, successors, representatives and assigns, and is legally enforceable in
  accordance with its terms.

  NO FURTHER ASSIGNMENT.  Grantor has not, and will not, sell, assign,
  transfer, encumber or otherwise dispose of any of Grantor's rights in the
  Collateral except as provided in this Agreement.

  NO DEFAULTS.  There are no defaults existing under the Collateral, and there
  are no offsets or counterclaims to the same.  Grantor will strictly and
  promptly perform each of the terms, conditions, covenants and agreements
  contained in the Collateral which are to be performed by Grantor, if any.

  NO VIOLATION.  The execution and delivery of this Agreement will not violate
  any law or agreement governing Grantor or to which Grantor is a party, and
  its articles or agreements relating to entity incorporation, organization or
  existence do not prohibit any term or condition of this Agreement.

LENDER'S RIGHTS AND OBLIGATIONS WITH RESPECT TO COLLATERAL.  Lender may hold
the Collateral until all the Indebtedness has been paid and satisfied and
thereafter may deliver the Collateral to any Grantor.  Lender shall have the
following rights in addition to all other rights it my have by law.

  MAINTENANCE AND PROTECTION OF COLLATERAL.  Lender may, but shall not be
  obligated to, take such steps as it deems necessary or desirable to protect,
  maintain, insure, store, or care for the Collateral, including payment of any
  liens or claims against the Collateral.  Lender may charge any cost incurred
  in so doing to Grantor.

  INCOME AND PROCEEDS FROM THE COLLATERAL.  Lender may receive all Income and
  Proceeds and add it to the Collateral.  Grantor agrees to deliver to Lender
  immediately upon receipt, in the exact form received and without commingling
  with other property, all Income and Proceeds from the Collateral which may be
  received by, paid, or delivered to Grantor or for Grantor's account, whether
  as an addition to, in discharge of, in substitution of, or in exchange for
  any of the Collateral.

  APPLICATION OF CASH.  At Lender's option, Lender may apply any cash, whether
  included in the Collateral or received as Income and Proceeds or through
  liquidation, sale, or retirement, of the Collateral, to the satisfaction of
  the Indebtedness or such portion thereof as Lender shall choose, whether or
  not matured.

  TRANSACTIONS WITH OTHERS.  Lender may (a) extend time for payment or other
  performance, (b) grant a renewal or change in terms or conditions, or (c)
  compromise, compound or release any obligation, with any one or more
  Obligors, endorsers, or Guarantors of the Indebtedness as Lender deems
  advisable, without obtaining the prior written consent of Grantor, and no
  such act or failure to act shall affect Lender's rights against Grantor or
  the Collateral.

  ALL COLLATERAL SECURES INDEBTEDNESS.  All Collateral shall be security for
  the Indebtedness, whether the Collateral is located at one or more offices or
  branches of Lender and whether or not the office or branch where the
  Indebtedness is created is aware of or relies upon the Collateral.

  COLLECTION OF COLLATERAL.  Lender, at Lender's option may, but need not,
  collect directly from the Obligors on any of the Collateral all Income and
  Proceeds or other sums of money and other property due and to become due
  under the Collateral, and Grantor authorizes and directs the Obligors, if
  Lender exercises such option, to pay and deliver to Lender all Income and
  Proceeds and other sums of money and other property payable by the terms of
  the Collateral and to accept Lender's receipt for the payments.

  POWER OF ATTORNEY.  Grantor Irrevocably appoints Lender as Grantor's
  attorney-in-fact, with full power of substitution, (a) to demand, collect,
  receive, receipt for, sue and recover all Income and Proceeds and other sums
  of money and other property which may now or hereafter become due, owing or
  payable from the Obligors in accordance with the terms of the Collateral; (b)
  to execute, sign and endorse any and all instruments, receipts, checks,
  drafts and warrants issued in payment for the Collateral; (c) to settle or
  compromise any and all claims arising under the Collateral, and in the place
  and stead of Grantor, execute and deliver Grantor's release and acquittance
  for Grantor; (d) to file any claim or claims or to take any action or
  institute or take part in any proceedings, either in Lender's own name or in
  the name of Grantor, or otherwise, which in the discretion of Lender may seem
  to be necessary or advisable; and (e) to execute in Grantor's name and to
  deliver to the Obligors on Grantor's behalf, at the time and in the manner
  specified by the Collateral, any necessary instruments or documents.

  PERFECTION OF SECURITY INTEREST.  Upon request of Lender, Grantor will
  deliver to Lender any and all of the documents evidencing or constituting the
  Collateral.  When applicable law provides more than one method of perfection
  of Lender's security interest, Lender may choose the method(s) to be used.
  Upon request of Lender, Grantor will sign and deliver any writings necessary
  to perfect Lender's security interest.  If the Collateral consists of
  securities for which no certificate has been issued, Grantor agrees, at
  Lender's option, either to request issuance of an appropriate certificate or
  to execute appropriate instructions on Lender's forms instructing the issuer,
  transfer agent, mutual fund company, or broker, as the case may be, to record
  on its books or records, by book-entry or otherwise, Lender's security
  interest in the Collateral.  Grantor hereby appoints Lender as Grantor's
  irrevocable attorney-in-fact for the purpose of executing any documents
  necessary to perfect or to continue the security interest granted in this
  Agreement.  THIS IS A CONTINUING SECURITY AGREEMENT AND WILL CONTINUE IN
  EFFECT EVEN THOUGH ALL OR ANY PART OF THE INDEBTEDNESS IS PAID IN FULL AND
  EVEN THOUGH FOR A PERIOD OF TIME BORROWER MAY NOT BE INDEBTED TO LENDER.

EXPENDITURES BY LENDER.  If not discharged or paid when due, Lender may (but
shall not be obligated to) discharge or pay any amounts required to be
discharged or paid by Grantor under this Agreement, including without
limitation all taxes, liens, security interests, encumbrances, and other
claims, at any time levied or placed on the Collateral.  Lender also may (but
shall not be obligated to) pay all costs for insuring, maintaining and
preserving the Collateral.  All such expenditures incurred or paid by Lender
for such purposes will then bear interest at the rate charged under the Note
from the date incurred or paid by Lender to the date of repayment by Grantor.
All such expenses shall become a part of the Indebtedness and, at Lender's
option, will (a) be payable on demand,  (b) be added to the balance of the Note
and be apportioned among and be payable with any installment payments to become
due during either  (i) the term of any applicable insurance policy or  (ii) the
remaining term of the Note, or  (c) be treated as a balloon payment which will
be due and payable at the Note's maturity.  This Agreement also will secure
payment of these amounts.  Such right shall be in addition to all other rights
and remedies to which Lender may be entitled upon the occurrence of an Event of
Default.

LIMITATIONS ON OBLIGATIONS OF LENDER. Lender shall use ordinary reasonable care
in the physical preservation and custody of the Collateral in Lender's
possession, but shall have no other obligation to protect the Collateral or its
value.  In particular, but without limitation, Lender shall have no
responsibility for  (a) any depreciation in value of the Collateral or for the
collection or protection of any Income and Proceeds from the Collateral,  (b)
preseervation of rights against parties to the Collateral or against third
persons, (c) ascertaining any maturities, calls, conversions, exchanges,
offers, tenders, or similar matters relating to any of the Collateral, or  (d)
informing Grantor about any of the above, whether or not Lender has or is
deemed to have knowledge of such matters.  Except as provided above, Lender
shall have no liability for depreciation or deterioration of the Collateral.

REINSTATEMENT OF SECURITY INTEREST.   If payment is made by Borrower, whether
voluntarily or otherwise, or by guarantor or by any third party, on the
Indebtedness and thereafter Lender is forced to remit the amount of that
payment  (a) to Borrower's trustee in bankruptcy or to any similar person under
any federal or state bankruptcy law or law for the relief of debtors,  (b) by
reason of any judgment, decree or order of any court or administrative body
having jurisdiction over Lender or any of Lender's property, or  (c) by reason
of any settlement or compromise of any claim made by Lender with any claimant
(including without limitation Borrower), the Indebtedness shall be considered
unpaid for the purpose of enforcement of this Agreement and this Agreement
shall continue to be effective or shall be reinstated, as the case may be,
notwithstanding any cancellation of this Agreement or of any note or other
instrument or agreement evidencing the Indebtedness and the Collateral will
continue to secure the amount repaid or recovered to the same extent as if that
amount never had been originally received by Lender, and Grantor shall be bound
by any judgment, decree, order, settlement or compromise relating to the
indebtedness or to this Agreement.



<PAGE>   3
01-13-1998         COMMERCIAL PLEDGE AND SECURITY AGREEMENT               PAGE 3

LOAN NO 0101                     (CONTINUED)
================================================================================

EVENTS OF DEFAULT.  Each of the following shall constitute an Event of Default
under this Agreement:

  DEFAULT ON INDEBTEDNESS.  Failure of Borrower to make any payment when due on
  the Indebtedness.

  OTHER DEFAULTS.  Failure of Borrower or Grantor to comply with or to perform
  any other term, obligation, covenant or condition contained in this Agreement
  or in any of the Related Documents or failure of Borrower to comply with or
  to perform any term, obligation, covenant or condition contained in any other
  agreement between Lender and Borrower.

  DEFAULT IN FAVOR OF THIRD PARTIES.  Should Borrower or any Grantor default
  under any loan, extension of credit, security agreement, purchase or sales
  agreement, or any other agreement, in favor of any other creditor or person
  that may materially affect any of Borrower's property or Borrower's or any
  Grantor's ability to repay the Loans or perform their respective obligations
  under this Agreement or any of the Related Documents.

  FALSE STATEMENTS.  Any warranty, representation or statement made or
  furnished to Lender by or on behalf of Borrower or Grantor under this
  Agreement, the Note or the Related Documents is false or misleading in any
  material respect, either now or at the time made or furnished.

  DEFECTIVE COLLATERALIZATION.  This Agreement or any of the Related Documents
  ceases to be in full force and effect (including failure of any collateral
  documents to create a valid and perfected security interest or lien) at any
  time and for any reason.

  INSOLVENCY.  The dissolution or termination of Borrower or Grantor's
  existence as a going business, the insolvency of Borrower or Grantor, the
  appointment of a receiver for any part of Borrower or Grantor's property, any
  assignment for the benefit of creditors, any type of creditor workout, or the
  commencement of any proceeding under any bankruptcy or insolvency laws by or
  against Borrower or Grantor.

  CREDITOR OR FORFEITURE PROCEEDINGS.  Commencement of foreclosure or
  forfeiture proceedings, whether by judicial proceeding, self-help,
  repossession or any other method, by any creditor of Borrower or Grantor or
  by any governmental agency against the Collateral or any other collateral
  securing the Indebtedness.  This includes a garnishment of any of Borrower or
  Grantor's accounts, including deposit accounts, with Lender.

  DETERIORATION OF COLLATERAL VALUE.  The market value of the Collateral falls
  below 200.0% of the outstanding principal balance of the Note or Notes.  Book
  Value shall be used to determine a default hereunder, and Borrower or Grantor
  does not, by the close of business on the next business day after Lender has
  sent written notice to Borrower or Grantor of the deterioration, either (a)
  reduce the amount of the Indebtedness to the amount required by Lender or
  (b) increase the cash value of Collateral to the amount required by Lender by
  lodging with Lender additional collateral security acceptable to Lender.

  EVENTS AFFECTING GUARANTOR.  Any of the preceding events occurs with respect
  to any Guarantor of any of the Indebtedness or such Guarantor dies or becomes
  incompetent.

  ADVERSE CHANGE.  A material adverse change occurs in Borrower's financial
  condition, or Lender believes the prospect of payment or performance of the
  Indebtedness is impaired.

  INSECURITY.  Lender, in good faith, deems itself insecure.

RIGHTS AND REMEDIES ON DEFAULT.  If an Event of Default occurs under this
Agreement, at any time thereafter, Lender may exercise any one or more of the
following rights and remedies:

  ACCELERATE INDEBTEDNESS.  Declare all Indebtedness, including any prepayment
  penalty which Borrower would be required to pay, immediately due and payable,
  without notice of any kind to Borrower or Grantor.

  COLLECT THE COLLATERAL.  Collect any of the Collateral and, at Lender's
  option and to the extent permitted by applicable law, retain possession of
  the Collateral while suing on the Indebtedness.

  SELL THE COLLATERAL.  Sell the Collateral, at Lender's discretion, as a unit
  or in parcels, at one or more public or private sales.  Unless the Collateral
  is perishable or threatens to decline speedily in value or is of a type
  customarily sold on a recognized market, Lender shall give or mail to
  Grantor, or any of them, notice at least ten (10) days in advance of the time
  and place of any public sale, or of the date after which any private sale may
  be made.  Grantor agrees that any requirement of reasonable notice is
  satisfied if Lender mails notice by ordinary mail addressed to Grantor, or
  any of them, at the last address Grantor has given Lender in writing.  If a
  public sale is held, there shall be sufficient compliance with all
  requirements of notice to the public by a single publication in any newspaper
  of general circulation in the county where the Collateral is located, setting
  forth the time and place of sale and a brief description of the property to
  be sold.  Lender may be a purchaser at any public sale.

  REGISTER SECURITIES.  Register any securities included in the Collateral in
  Lender's name and exercise any rights normally incident to the ownership of
  securities.

  SELL SECURITIES.  Sell any securities included in the Collateral in a manner
  consistent with applicable federal and state securities laws, notwithstanding
  any other provision of this or any other agreement.  If, because of
  restrictions under such laws, Lender is or believes it is unable to sell the
  securities in an open market transaction, Grantor agrees that Lender shall
  have no obligation to delay sale until the securities can be registered, and
  may make a private sale to one or more persons or to a restricted group of
  persons, even though such sale may result in a price that is less favorable
  than might be obtained in an open market transaction, and such a sale shall
  be considered commercially reasonable.  If any securities held as Collateral
  are "restricted securities" as defined in the Rules of the Securities and
  Exchange Commission (such as Regulation D or Rule 144) or state securities
  departments under state "Blue Sky" laws, or if Borrower or Grantor is an
  affiliate of the issuer of the securities, Borrower and Grantor agree that
  neither Grantor nor any agent of Grantor will sell or dispose of any
  securities of such issuer without obtaining Lender's prior written consent.

  FORECLOSURE.  Maintain a judicial suit for foreclosure and sale of the
  Collateral.

  TRANSFER TITLE.  Effect transfer of title upon sale of all or part of the
  Collateral.  For this purpose, Grantor irrevocably appoints Lender as its
  attorney-in-fact to execute endorsements, assignments and instruments in the
  name of Grantor and each of them (if more than one) as shall be necessary or
  reasonable.

  OTHER RIGHTS AND REMEDIES.  Have and exercise any or all of the rights and
  remedies of a secured creditor under the provisions of the Uniform Commercial
  Code, at law, in equity, or otherwise.

  APPLICATION OF PROCEEDS.  Apply any cash which is part of the Collateral, or
  which is received from the collection or sale of the Collateral, to
  reimbursement of any expenses, including any costs for registration of
  securities, commissions incurred in connection with a sale, attorney fees as
  provided below, and court costs, whether or not there is a lawsuit and
  including any fees on appeal, incurred by Lender in connection with the
  collection and sale of such Collateral and to the payment of the Indebtedness
  of Borrower to Lender, with any excess funds to be paid to Grantor as the
  interests of Grantor may appear.  Borrower agrees, to the extent permitted by
  law, to pay any deficiency after application of the proceeds of the
  Collateral to the Indebtedness.

  CUMULATIVE REMEDIES.  All of Lender's rights and remedies, whether evidenced
  by this Agreement or by any other writing, shall be cumulative and may be
  exercised singularly or concurrently.  Election by Lender to pursue any
  remedy shall not exclude pursuit of any other remedy, and an election to make
  expenditures or to take action to perform an obligation of Grantor under this
  Agreement, after Grantor's failure to perform, shall not affect Lender's
  right to declare a default and to exercise its remedies.

MISCELLANEOUS PROVISIONS.  The following miscellaneous provisions are a part of
this Agreement:

  AMENDMENTS. This Agreement, together with any Related Documents, constitutes
  the entire understanding and agreement of the parties as to the matters set
  forth in this Agreement.  No alteration of or amendment to this Agreement
  shall be effective unless given in writing and signed by the party or parties
  sought to be charged or bound by the alteration or amendment.

  APPLICABLE LAW.  THIS AGREEMENT HAS BEEN DELIVERED TO LENDER AND ACCEPTED BY
  LENDER IN THE STATE OF ILLINOIS.  IF THERE IS A LAWSUIT, BORROWER AND GRANTOR
  AGREE UPON LENDER'S REQUEST TO SUBMIT TO THE JURISDICTION OF THE COURTS OF
  COOK COUNTY, THE STATE OF ILLINOIS.  LENDER, BORROWER AND GRANTOR HEREBY
  WAIVE THE RIGHT TO ANY JURY TRIAL IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM
  BROUGHT BY EITHER LENDER, BORROWER OR GRANTOR AGAINST THE OTHER.  THIS
  AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF
  THE STATE OF ILLINOIS.

  ATTORNEYS' FEES; EXPENSES.  Borrower and Grantor agree to pay upon demand all
  of Lender's costs and expenses, including attorneys' fees and Lender's legal
  expenses, incurred in connection with the enforcement of this Agreement.
  Lender may pay someone else to help enforce this Agreement, and Borrower and
  Grantor shall pay the costs and expenses of such enforcement.  Costs and
  expenses include Lender's attorneys' fees and legal expenses whether or not
  there is a lawsuit, including attorneys' fees and legal expenses for
  bankruptcy proceedings (and including efforts to modify or vacate any
  automatic stay or injunction), appeals, and any anticipated post-judgment
  collection services.  Borrower and Grantor also shall pay all court costs and
  such additional fees as may be directed by the court.




<PAGE>   4
01-13-1998         COMMERCIAL PLEDGE AND SECURITY AGREEMENT               PAGE 4

LOAN NO 0101                     (CONTINUED)
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  CAPTION HEADINGS.  Caption headings in this Agreement are for convenience
  purposes only and are not to be used to interpret or define the provisions of
  this Agreement.

  MULTIPLE PARTIES; CORPORATE AUTHORITY.  All obligations of Borrower and
  Grantor under this Agreement shall be joint and several, and all references
  to Borrower shall mean each and every Borrower, and all references to Grantor
  shall mean each and every Grantor.  This means that each of the persons
  signing below is responsible for all obligations in this Agreement.

  NOTICES.  All notices required to be given under this Agreement shall be
  given in writing, may be sent by telefacsimile (unless otherwise required by
  law), and shall be effective when actually delivered or when deposited with a
  nationally recognized overnight courier or deposited in the United States
  mail, first class, postage prepaid, addressed to the party to whom the notice
  is to be given at the address shown above.  Any party may change its address
  for notices under this Agreement by giving formal written notice to the other
  parties, specifying that the purpose of the notice is to change the party's
  address.  To the extent permitted by applicable law, if there is more than
  one Borrower or Grantor, notice to any Borrower or Grantor will constitute
  notice to all Borrower and Grantors.  For notice purposes, Borrower and
  Grantor will keep Lender informed at all time of Borrower and Grantor's
  current address(es).

  SEVERABILITY.  If a court of competent jurisdiction finds any provision of
  this Agreement to be invalid or unenforceable as to any person or
  circumstance, such finding shall not render that provision invalid or
  unenforceable as to any other persons or circumstances.  If feasible, any
  such offending provision shall be deemed to be modified to be within the
  limits of enforceability or validity; however, if the offending provision
  cannot be so modified, it shall be stricken and all other provisions of this
  Agreement in all other respects shall remain valid and enforceable.

  SUCCESSOR INTEREST.  Subject to the limitations set forth above on transfer
  of the Collateral, this Agreement shall be binding upon and inure to the
  benefit of the parties, their successors and assigns.

  WAIVER.  Lender shall not be deemed to have waived any rights under this
  Agreement unless such waiver is given in writing and signed by Lender.  No
  delay or omission on the part of Lender in exercising any right shall operate
  as a waiver of such right or any other right.  A waiver by Lender of a
  provision of this Agreement shall not prejudice or constitute a waiver of
  Lender's right otherwise to demand strict compliance with that provision or
  any other provision of this Agreement.  No prior waiver by Lender, nor any
  course of dealing between Lender and Grantor, shall constitute a waiver of
  any of Lender's rights or of any of Grantor's obligations as to any future
  transactions.  Whenever the consent of Lender is required under this
  Agreement, the granting of such consent by Lender in any instance shall not
  constitute continuing consent to subsequent instances where such consent is
  required and in all cases such consent may be granted or withheld in the sole
  discretion of Lender.

BORROWER AND GRANTOR ACKNOWLEDGE HAVING READ ALL THE PROVISIONS OF THIS PLEDGE
AND SECURITY AGREEMENT, AND BORROWER AND GRANTOR AGREE TO ITS TERMS.  THIS
AGREEMENT IS DATED JANUARY 13, 1998.

BORROWER:

SUCCESS BANCSHARES, INC.

BY:
   ----------------------------------------------------------
     SAUL D. BINDER, PRESIDENT

GRANTOR:

SUCCESS BANCSHARES, INC. F/K/A LINCOLNSHIRE BANCSHARES, INC.

BY:
   ----------------------------------------------------------
     SAUL D. BINDER, PRESIDENT



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