Document:

EXHIBIT 10.2

EMPLOYMENT AGREEMENT

       	THIS EMPLOYMENT AGREEMENT ("Agreement") is made and entered into as of this
2nd day of October,  2000, by and between First Federal Savings Bank (hereinafter referred to as the
"Bank" whether in mutual or stock form), and David D. Rinehart (the "Employee").

       WHEREAS, the Employee is currently serving as President and CEO of the Bank and as
President and CEO of The Bryan-College Station Financial Holding Company (the "Holding
Company"); and

       WHEREAS, the board of directors of the Bank ("Board of Directors") recognizes that, as
is the case with publicly held corporations generally, the possibility of a change in control of the
Holding Company and/or the Bank may exist and that such possibility, and the uncertainty and
questions which it may raise among management, may result in the departure or distraction of key
management personnel to the detriment of the Bank, the Holding Company and their respective
stockholders; and

       WHEREAS, the Board of Directors believes it is in the best interests of the Bank to enter
into this Agreement with the Employee in order to assure continuity of management of the Bank and
to reinforce and encourage the continued attention and dedication of the Employee to the Employee's
assigned duties without distraction in the face of potentially disruptive circumstances arising from
the possibility of a change in control of the Holding Company or the Bank, although no such change
is now contemplated; and

       WHEREAS, the Board of Directors has approved and authorized the execution of this
Agreement with the Employee to take effect as stated in Section 2 hereof;

       NOW, THEREFORE, in consideration of the foregoing and of the respective covenants and
agreements of the parties herein, it is AGREED as follows:

       1.	Definitions.

       		(a)       	The term "Change in Control" means (1) an event of a nature that (i) results
in a change in control of the Bank or the Holding Company within the meaning of the Home
Owners' Loan Act of 1933 and 12 C.F.R. Part 574 as in effect on the date hereof; or (ii)
would be required to be reported in response to Item 1 of the current report on Form 8-K, as
in effect on the date hereof, pursuant to Section 13 or 15(d) of the Securities Exchange Act
of 1934 (the "Exchange Act"); (2) any person (as the term is used in Sections 13(d) and 14(d)
of the Exchange Act) is or becomes the beneficial owner (as defined in Rule 13d-3 under the
Exchange Act), directly or indirectly of securities of the Bank or the Holding Company
representing 20% or more of the Bank's or the Holding Company's outstanding securities;
(3) individuals who are members of the board of directors of the Bank or the Holding
Company on the date hereof (the "Incumbent Board") cease for any reason to constitute at
least a majority thereof, provided that any person becoming a director subsequent to the date
hereof whose election was approved by a vote of at least three-quarters of the directors
comprising 

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the Incumbent Board, or whose nomination for election by the Holding
Company's stockholders was approved by the nominating committee serving under an
Incumbent Board, shall be considered a member of the Incumbent Board; or (4) a
reorganization, merger, consolidation, sale of all or substantially all of the assets of the Bank
or the Holding Company or a similar transaction in which the Bank or the Holding Company
is not the resulting entity.  The term "Change in Control" shall not include an acquisition of
securities by an employee benefit plan of the Bank or the Holding Company.  In the
application of 12 C.F.R. Part 574 to a determination of a Change in Control, determinations
to be made by the OTS or its Director under such regulations shall be made by the Board of
Directors.

       		(b)       	The term "Commencement Date" means October 2,2000.

       		(c)       	The term "Date of Termination" means the earlier of (1) the date upon which
the Bank gives notice to the Employee of the termination of the Employee's employment
with the Bank or (2) the date upon which the Employee ceases to serve as an employee of
the Bank.

       		(d)       	The term "Involuntary Termination" means termination of the employment
of Employee without the Employee's express written consent, and shall include a material
diminution of or interference with the Employee's duties, responsibilities and benefits as
President and CEO of the Bank, including (without limitation) any of the following actions
unless consented to in writing by the Employee:  (1) a change in the principal workplace of
the Employee to a location outside of a 30 mile radius from the Bank's headquarters office
as of the date hereof; (2) a material demotion of the Employee; (3) a material reduction in
the number or seniority of other Bank personnel reporting to the Employee or a material
reduction in the frequency with which, or in the nature of the matters with respect to which,
such personnel are to report to the Employee, other than as part of a Bank- or Holding
Company-wide reduction in staff; (4) a material adverse change in the Employee's salary,
perquisites, benefits, contingent benefits or vacation, other than as part of an overall program
applied uniformly and with equitable effect to all members of the senior management of the
Bank or the Holding Company; and (5) a material permanent increase in the required hours
of work or the workload of the Employee.  The term "Involuntary Termination" does not
include Termination for Cause or termination of employment due to retirement, death,
disability or suspension or temporary or permanent prohibition from participation in the
conduct of the Bank's affairs under Section 8 of the Federal Deposit Insurance Act ("FDIA").

       		(e)       	The terms "Termination for Cause" and "Terminated for Cause" mean
termination of the employment of the Employee because of the Employee's personal
dishonesty, incompetence, willful misconduct, breach of a fiduciary duty involving personal
profit, intentional failure to perform stated duties, willful violation of any law, rule, or
regulation (other than traffic violations or similar offenses) or final cease-and-desist order,
or material breach of any provision of this Agreement.  The Employee shall not be deemed
to have been Terminated for Cause unless and until there shall have been delivered to the
Employee a copy of a resolution, duly adopted by the affirmative vote of not less than a
majority of the entire membership of the 

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Board of Directors at a meeting of the Board called
and held for such purpose (after reasonable notice to the Employee and an opportunity for
the Employee, together with the Employee's counsel, to be heard before the Board), stating
that in the good faith opinion of the Board the Employee has engaged in conduct described
in the preceding sentence and specifying the particulars thereof in detail.

       	2.       	Term.  The term of this Agreement shall be a period of two years commencing on the
Commencement Date, subject to earlier termination as provided herein.  Beginning on the first
anniversary of the Commencement Date, and on each anniversary thereafter, the term of this
Agreement shall be extended for a period of one year in addition to the then-remaining term,
provided that (1) the Bank has not given notice to the Employee in writing at least 90 days prior to
such anniversary that the term of this Agreement shall not be extended further; and (2) prior to such
anniversary, the Board of Directors of the Bank explicitly reviews and approves the extension and
notifies the Employee in writing of such extension.  Reference herein to the term of this Agreement
shall refer to both such initial term and such extended terms.

       	3.       	Employment.  The Employee is employed as President and CEO of the Bank.  As
such, the Employee shall render administrative and management services as are customarily
performed by persons situated in similar executive capacities, and shall have such other powers and
duties of an officer of the Bank as the Board of Directors may prescribe from time to time.

       	4.       	Compensation.

       		(a)         Salary.  The Bank agrees to pay the Employee during the term of this Agreement
the salary established by the Board of Directors, which shall be at least the Employee's salary
in effect as of the Commencement Date.  The amount of the Employee's salary shall be
reviewed by the Board of Directors, beginning not later than the first anniversary of the
Commencement Date.   Adjustments in salary or other compensation shall not limit or reduce
any other obligation of the Bank under this Agreement.  The Employee's salary in effect from
time to time during the term of this Agreement shall not thereafter be reduced. 

       		(b)         Discretionary Bonuses.  The Employee shall be entitled to participate in an
equitable manner with all other executive officers of the Bank in discretionary bonuses as
authorized and declared by the Board of Directors to its executive employees.  No other
compensation provided for in this Agreement shall be deemed a substitute for the Employee's
right to participate in such bonuses when and as declared by the Board of Directors.

       		(c)         Expenses.  The Employee shall be entitled to receive prompt reimbursement for
all reasonable expenses incurred by the Employee in performing services under this
Agreement in accordance with the policies and procedures applicable to the executive
officers of the Bank, provided that the Employee accounts for such expenses as required
under such policies and procedures.

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       	5.       	Benefits.

       		(a)       	Participation in Retirement and Employee Benefit Plans.  The Employee shall
be entitled to participate in all plans relating to pension, thrift, profit-sharing, group life
insurance, medical and dental coverage, education, cash bonuses, and other retirement or
employee benefits or combinations thereof, in which the Bank's executive officers
participate.

       		(b)       	Fringe Benefits  The Employee shall be eligible to participate in, and receive
benefits under, any fringe benefit plans which are or may become applicable to the Bank's
executive officers.  The Bank will provide and bear the expense of a full membership at
Pebble Creek Country Club.

       	6.       	Vacations; Leave.  The Employee shall be entitled to annual paid vacation in
accordance with the policies established by the Bank's Board of Directors for executive officers and
to voluntary leave of absence, with or without pay, from time to time at such times and upon such
conditions as the Board of Directors may determine in its discretion.

       	7.       	Termination of Employment.

       		(a)       	Involuntary Termination.  The Board of Directors may terminate the
Employee's employment at any time, but, except in the case of Termination for Cause,
termination of employment shall not prejudice the Employee's right to compensation or other
benefits under this Agreement.  In the event of Involuntary Termination other than in
connection with or within 12 months after a Change in Control, (1) the Bank shall pay to the
Employee during the remaining term of this Agreement the Employee's salary at the rate in
effect immediately prior to the Date of Termination, payable in such manner and at such
times as such salary would have been payable to the Employee under Section 4(a) if the
Employee had continued to be employed by the Bank, and (2) the Bank shall provide to the
Employee during the remaining term of this Agreement health benefits as maintained by the
Bank for the benefit of its executive officers from time to time during the remaining term of
the Agreement or substantially the same health benefits as the Bank maintained for its
executive officers immediately prior to the Date of Termination. 

       		(b)       	Termination for Cause.    In the event of Termination for Cause, the Bank
shall pay the Employee the Employee's salary through the Date of Termination, and the Bank
shall have no further obligation to the Employee under this Agreement.

       		(c)       	Voluntary Termination.  The Employee's employment may be voluntarily
terminated by the Employee at any time upon 90 days' written notice to the Bank or such
shorter period as may be agreed upon between the Employee and the Board of Directors of
the Bank.  In the event of such voluntary termination, the Bank shall be obligated to continue
to pay to  the Employee the Employee's salary and benefits only through the Date of
Termination, at the time such payments are due, and the Bank shall have no further
obligation to the Employee under this Agreement.

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       		(d)       	Change in Control.  In the event of Involuntary Termination in connection
with or within 12 months after a Change in Control which occurs at any time while the
Employee is employed under this Agreement, the Bank shall, subject to Section 8 of this
Agreement, (1) pay to the Employee in a lump sum in cash within 25 business days after the
Date of Termination an amount equal to 299% of the Employee's "base amount" as defined
in Section 280G of the Internal Revenue Code of 1986, as amended (the "Code"); and (2)
provide to the Employee during the remaining term of this Agreement such health benefits
as are maintained for executive officers of the Bank from time to time during the remaining
term of this Agreement or substantially the same health benefits as the Bank maintained for
its executive officers immediately prior to the Date of Termination.

       		(e)       	Death; Disability.  In the event of the death of the Employee while employed
under this Agreement and prior to any termination of employment, the Employee's estate,
or such person as the Employee may have previously designated in writing, shall be entitled
to receive from the Bank the salary of the Employee through the last day of the calendar
month in which the Employee died.  If the Employee becomes disabled as defined in the
Bank's then current disability plan, if any, or if the Employee is otherwise unable to serve
as President and CEO, the Employee shall be entitled to receive group and other disability
income benefits of the type, if any, then provided by the Bank for executive officers.

       		(f)       	Temporary Suspension or Prohibition.  If the Employee is suspended and/or
temporarily prohibited from participating in the conduct of the Bank's affairs by a notice
served under Section 8(e)(3) or (g)(1) of the FDIA, 12 U.S.C. § 1818(e)(3) and (g)(1), the
Bank's obligations under this Agreement shall be suspended as of the date of service, unless
stayed by appropriate proceedings.  If the charges in the notice are dismissed, the Bank may
in its discretion (i) pay the Employee all or part of the compensation withheld while its
obligations under this Agreement were suspended and (ii) reinstate in whole or in part any
of its obligations which were suspended.

       		(g)       	Permanent Suspension or Prohibition.  If the Employee is removed and/or
permanently prohibited from participating in the conduct of the Bank's affairs by an order
issued under Section 8(e)(4) or (g)(1) of the FDIA, 12 U.S.C. § 1818(e)(4) and (g)(1), all
obligations of the Bank under this Agreement shall terminate as of the effective date of the
order, but vested rights of the contracting parties shall not be affected.

       		(h)       	Default of the Bank.  If the Bank is in default (as defined in Section 3(x)(1)
of the FDIA), all obligations under this Agreement shall terminate as of the date of default,
but this provision shall not affect any vested rights of the contracting parties.

       		(i)       	Termination by Regulators.  All obligations under this Agreement shall be
terminated, except to the extent determined that continuation of this Agreement is necessary
for the continued operation of the Bank:  (1) by the Director of the Office of Thrift
Supervision (the "Director") or his or her designee, at the time the 

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Federal Deposit Insurance Corporation enters into an agreement to provide assistance to or on behalf of the Bank under
the authority contained in Section 13(c) of the FDIA; or (2) by the Director or his or her
designee, at the time the Director or his or her designee approves a supervisory merger to
resolve problems related to operation of the Bank or when the Bank is determined by the
Director to be in an unsafe or unsound condition.  Any rights of the parties that have already
vested, however, shall not be affected by any such action.

       	8.       	Certain Reduction of Payments by the Bank.

       		(a)         Notwithstanding any other provision of this Agreement, if the value and amounts
of benefits under this Agreement, together with any other amounts and the value of  benefits
received or to be received by the Employee in connection with a Change in Control would
cause any amount to be nondeductible by the Bank or the Holding Company for federal
income tax purposes pursuant to Section 280G of the Code, then amounts and benefits under
this Agreement shall be reduced (not less than zero) to the extent necessary so as to
maximize amounts and the value of benefits to the Employee without causing any amount
to become nondeductible by the Bank or the Holding Company pursuant to or by reason of
such Section 280G.  The Employee shall determine the allocation of such reduction among
payments and benefits to the Employee.

       		(b)       	Any payments made to the Employee pursuant to this Agreement, or
otherwise, are subject to and conditioned upon their compliance with 12 U.S.C. 1828(k) and
any regulations promulgated thereunder.

       	9.       	No Mitigation.  The Employee shall not be required to mitigate the amount of any
salary or other payment or benefit provided for in this Agreement by seeking other employment or
otherwise, nor shall the amount of any payment or benefit provided for in this Agreement be reduced
by any compensation earned by the Employee as the result of employment by another employer, by
retirement benefits after the Date of Termination or otherwise.

       	10.       	Attorneys Fees.  In the event the Bank exercises its right of Termination for Cause,
but it is determined by a court of competent jurisdiction or by an arbitrator pursuant to Section 17
that cause did not exist for such termination, or if in any event it is determined by any such court or
arbitrator that the Bank has failed to make timely payment of any amounts owed to the Employee
under this Agreement, the Employee shall be entitled to reimbursement for all reasonable costs,
including attorneys' fees, incurred in challenging such termination or collecting such amounts.  Such
reimbursement shall be in addition to all rights to which the Employee is otherwise entitled under
this Agreement.

       	11.       	No Assignments.

       		(a)       	This Agreement is personal to each of the parties hereto, and neither party
may assign or delegate any of its rights or obligations hereunder without first obtaining the
written consent of the other party; provided, however, that the Bank shall require any
successor or assign (whether direct or indirect, by purchase, merger, consolidation or
otherwise) to all or substantially all of the business and/or assets of the Bank, by an
assumption agreement in form and substance satisfactory to the Employee, to expressly
assume and agree to perform this Agreement in the same manner and to the same extent that
the Bank would be required to perform it if no such succession or assignment had taken
place.  Failure of the Bank to obtain such an assumption agreement prior to 

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the effectiveness of any such succession or assignment shall be a breach of this Agreement and shall entitle
the Employee to compensation from the Bank in the same amount and on the same terms as
the compensation pursuant to Section 7(d) hereof.  For purposes of implementing the
provisions of this Section 11(a), the date on which any such succession becomes effective
shall be deemed the Date of Termination.

       		(b)	       This Agreement and all rights of the Employee hereunder shall inure to the
benefit of and be enforceable by the Employee's personal and legal representatives,
executors, administrators, successors, heirs, distributees, devisees and legatees.  If the
Employee should die while any amounts would still be payable to the Employee hereunder
if the Employee had continued to live, all such amounts, unless otherwise provided herein,
shall be paid in accordance with the terms of this Agreement to the Employee's devisee,
legatee or other designee or if there is no such designee, to the Employee's estate.

       	12.       	Notice.  For the purposes of this Agreement, notices and all other communications
provided for in the Agreement shall be in writing and shall be deemed to have been duly given when
personally delivered or sent by certified mail, return receipt requested, postage prepaid, to the Bank
at its home office, to the attention of the Board of Directors with a copy to the Secretary of the Bank,
or, if to the Employee, to such home or other address as the Employee has most recently provided
in writing to the Bank.

       	13.       	Amendments.  No amendments or additions to this Agreement shall be binding unless
in writing and signed by both parties, except as herein otherwise provided.  

       	14.	       Headings.  The headings used in this Agreement are included solely for convenience
and shall not affect, or be used in connection with, the interpretation of this Agreement.

       	15.       	Severability. The provisions of this Agreement shall be deemed severable and the
invalidity or unenforceability of any provision shall not affect the validity or enforceability of the
other provisions hereof.

       	16.       	Governing Law. This Agreement shall be governed by the laws of the United States
to the extent applicable and otherwise by the laws of the State of Texas.

       	17.       	Arbitration.  Any controversy or claim arising out of or relating to this Agreement,
or the relationship between the Bank and the Employee, shall be settled by arbitration, in accordance
with the Employment Dispute Resolution Rules of the American Arbitration Association.  The
arbitration proceeding shall take place in Brazos County, Texas.  The award rendered by the
arbitrator(s) shall be final and binding on the parties, and judgment may be entered upon it in any
court having jurisdiction.

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       	IN WITNESS WHEREOF, the parties have executed this Agreement as of the day and year
first above written.

       	THIS AGREEMENT CONTAINS A BINDING ARBITRATION PROVISION
WHICH MAY BE ENFORCED BY THE PARTIES.

	
ATTEST:	
FIRST FEDERAL SAVINGS BANK

	
                                          
       	
                                          
       
By:
Its:

		
EMPLOYEEEXHIBIT 10.3

COMPROMISE SETTLEMENT AGREEMENT

AND MUTUAL RELEASE

       	This Compromise Settlement Agreement and Mutual Release (the "Agreement") is entered
into by and among Joe Stanley Stephen ("Stephen"), his wife, Jean Stephen ("Mrs. Stephen"), First
Federal Savings Bank (the "Bank"), and The Bryan-College Station Financial Holding Company (the
"Holding Company").  Stephen, Mrs. Stephen, the Bank, and the Holding Company, collectively,
are sometimes described in this Agreement as the "Parties."  The Bank and the Holding Company,
collectively, are sometimes described in this Agreement as the "Bank Parties."

       	1.	The Arbitration.  There is an arbitration proceeding pending before the American
Arbitration Association, bearing Case No. 70-160-00306-00, styled Joe Stanley Stephen, Claimant
v. First Federal Savings Bank, Respondent (the "Arbitration Proceeding").  In this Arbitration
Proceeding, Stephen has asserted claims against the Bank, including claims under an Employment,
Consulting and Supplemental Retirement Agreement, dated July 1, 1997, between Stephen and the
Bank ("Employment Agreement"), and the Bank has asserted counterclaims against Stephen.

       	2.	Settlement.  Stephen, the Bank, and the Holding Company desire to bring a halt to
the Arbitration Proceeding and to buy peace.  This settlement covers all claims and counterclaims
asserted in the Arbitration Proceeding, as well as all other claims, potential claims, and causes of
action of whatsoever kind and description that Stephen and the Bank Parties have or may have
against each other through the Effective Date of this Agreement arising from Stephen's employment
(and termination of employment) with the Bank and the Holding Company, including his service as
President, Chief Executive Officer, and member of the Board of Directors, as well as those arising
from any other fact, event, action, omission, or conduct, known or unknown, arising therefrom
through the Effective Date of this Agreement.  This settlement also covers all claims, potential
claims, and causes of action of whatsoever kind and description that Mrs. Stephen may have against
the Bank Parties relating to any and all compensation and benefits such as retirement, health
insurance, and other insurance benefits which might be due her now or in the future under the
Employment Agreement as well as those relating to Stephen's employment with the Bank Parties
and termination therefrom and those relating to claims arising therefrom up to the Effective Date;
provided that, notwithstanding any other language in this Agreement to the contrary, nothing herein
shall be deemed to release or diminish in any way the rights of Stephen or Mrs. Stephen as common
shareholders in the Holding Company.

       	3.	No Admission of Liability.  The Parties deny any liability to each other.  It is
understood and agreed by the Parties that this settlement is a full and final release of disputed claims
and is not an admission of any wrongdoing.

       	4.	Consideration.  The Parties acknowledge that this Agreement is supported by
adequate consideration, including but not limited to the two lump sum payments specified in
Paragraphs 6 and 7 by Bank Parties to Stephen within three (3) business days of the Bank Parties'
receipt of all required governmental agency approvals of this Agreement, future monthly payments
specified in Paragraph 6 by Bank Parties (and their successors and assigns) to Stephen for the
remainder of his

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life, monthly payments specified in Paragraph 8 to Mrs. Stephen for the remainder
of her life should Mrs. Stephen survive Stephen, and the other covenants, agreements,
representations and warranties contained herein, the sufficiency of which is hereby acknowledged
and confessed.

       	5.	Terms Contractual.  The terms of this Agreement are contractual and not mere
recitals.

       	6.	Monthly Payments to Stephen.  The Bank and the Holding Company, jointly and
severally, will pay to Stephen, beginning May 3, 2000 and continuing for the remainder of his life
until his death, the total sum of $5,900.00 per month (prorated for the partial month of May, 2000
and also prorated, if necessary, for the month of the Effective Date hereof), less tax withholding
required by law, with the amount of that withholding to be determined in accordance with IRS Form
W-4 (Stephen will deliver to the Bank Parties contemporaneously with Stephen's execution of this
Agreement a completed Form W-4, with Stephen having the right to thereafter deliver to the Bank
Parties from time to time at his discretion substitute Form W-4's), and without any other
withholding, deduction, reduction, offset, or any other type of claim thereto by any person or entity
for any reason, except only withholding ordered in a final judgment by a Court of competent
jurisdiction or except as otherwise required by law.  The $5,900.00 monthly payment to Stephen
shall be due on the first day of each calendar month.  Within three (3)  business days of the Bank
Parties receipt of all required governmental agency approvals of this Agreement, the Bank and the
Holding Company, jointly and severally, will pay to Stephen in a total lump sum, less only
appropriate tax withholding per Form W-4 (as described above), by wiring the funds to the account
of Stephen's attorneys, Glickman & Hughes, L.L.P. in Houston, Texas, the monthly payments that
have accrued between May 3, 2000 and the Effective Date of this Agreement.  All monthly payments
to Stephen under this paragraph of the Agreement that become due after the Effective Date of this
Agreement shall be made at the Bank Parties' discretion either by electronic deposit no later than
the first business day of each calendar month to a bank account designated in writing by Stephen
(which designation Stephen may change from time to time hereafter at his discretion) or by cashier's
check payable to Joe Stanley Stephen and mailed no later than the first business day of each calendar
month to Stephen at 2514 Memorial Drive, Bryan, Texas  77802, or such other address to which
Stephen hereafter notifies the Bank Parties in writing to mail the payments.  Stephen agrees to
provide the Bank Parties with bank account numbers and other data sufficient to establish electronic
deposits, if the Bank Parties first give Stephen written notice of the Bank Parties' election to use
electronic deposit for payment.  Stephen and the Bank Parties agree that, except only for tax
withholding required by law, any withholding which may be ordered in a final judgment by a Court
of competent jurisdiction, and except as otherwise required by law, the payments in this paragraph
are not subject to withholding, deduction, reduction, offset, or any other type of claim by any person
or entity for any reason.  Even though payments are made and taxes are withheld under this
Paragraph, the Parties agree that Stephen is not an employee, agent, or representative of the Bank
Parties for any reason.

       	7.	Cash Payment to Stephen.  Within three (3) business days of the Bank Parties
receiving all required governmental agency approvals of this Agreement, the Bank and the Holding

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Company, jointly and severally, will pay to Stephen the total sum of $95,000.00 (in addition to the
monthly payments of $5,900.00 accrued since May 3, 2000, as described in Paragraph 6 above) by
wiring the funds to the account of Stephen's attorneys, Glickman & Hughes, L.L.P., without
withholding, deduction, reduction, offset, or any other type of claim thereto by any person or entity
for any reason, except only for any withholding which might hereafter be ordered in a final judgment
by a Court of competent jurisdiction or except as otherwise required by law.  $5,000.00 of this
payment is allocated to compensation to Stephen for his claims of alleged past slander, mental
anguish, and defamatory remarks which have allegedly damaged his reputation since his resignation
on May 3, 2000 and $90,000.00 is allocated to reimbursement of Stephen for a portion of his legal
expenses and other related expenses.  The Parties agree that by paying the amount specified in this
paragraph, the Bank Parties are not admitting, and specifically deny, any wrongdoing towards
Stephen including his alleged claims of past slander, mental anguish, and defamation.

       	8.	Health Insurance Payments to Mrs. Stephen.  Should Stephen predecease Mrs.
Stephen, then the Bank and the Holding Company, jointly and severally, shall thereafter pay Mrs.
Stephen the total of 50% of a sum each month, payable on the first day of each month, sufficient to
keep in force comprehensive, supplemental health insurance for her, over and above health benefits
provided by Medicare, for the remainder of her life.  This monthly payment shall be made without
withholding, deduction, reduction or offset by any person or entity for any reason, except only for
tax withholding required by law, with the amount of that withholding to be determined in accordance
with IRS Form W-4 (Mrs. Stephen will deliver to the Bank Parties within 30 days of Stephen's death
a completed Form W-4, with Mrs. Stephen having the right to thereafter deliver to the Bank Parties
from time to time at her discretion substitute Form W-4's), and any withholding which might
hereafter be ordered in a final judgment by a Court of competent jurisdiction and except as otherwise
required by law.  The payments under this paragraph shall be made by cashier's check made payable
to Mrs. Stephen and mailed no later than the first business day of each calendar month to her at 2514
Memorial Drive, Bryan, Texas  77802, or such other address to which Mrs. Stephen hereafter
notifies the Bank Parties in writing to mail the payments.  The guideline to be used by the Bank
Parties and Mrs. Stephen for these monthly payments is the American Association of Retired
Persons' ("AARP") currently existing comprehensive supplemental health insurance Plan "J," which
currently costs $240.00 per month per individual insured.  Using this guideline, if Stephen should
at this time predecease Mrs. Stephen, the Bank Parties' liability hereunder at this time is $120.00 per
month.  If the current Plan "J" does not exist when payments are due, then a policy then existing with
AARP that provides no less than the benefits under the current Plan "J" will be used for costing
purposes; and if AARP has no policy then existing that provides no less than the benefits under the
current Plan "J," then a policy with another insurance provider that provides no less than the benefits
under the current Plan "J" will be selected jointly by the Bank Parties and Mrs. Stephen and that
jointly-selected policy will be used for costing purposes.  If the Bank Parties and Mrs. Stephen are
unable to jointly select a policy with another provider that provides no less than the benefits under
the current Plan "J," then the Bank Parties and Mrs. Stephen shall each select a policy (the Bank
Parties shall jointly select one policy and Mrs. Stephen shall select one policy) with a provider other
than AARP that provides no less than the benefits under the current Plan "J," and the average of the
monthly premiums on those two policies will be used for costing purposes.  The parties agree that
should any policy(ies) other than the current Plan "J" be selected and used for costing purposes, any
such other policy will provide no less than the benefits under the current Plan "J," but also will
provide no more benefits than minimally necessary to fulfill the requirement that the benefits be no
less than the benefits under the current Plan "J."  A copy

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of the current Plan "J" benefits is attached
to this Agreement for reference purposes.  The purpose of this paragraph is not to guarantee that Mrs.
Stephen can obtain health insurance coverage in the future, but only to pay Mrs. Stephen for a
portion of the anticipated cost for such coverage as if she was eligible for and could obtain such
coverage.

       	9.	Payments are in Full Satisfaction of Claims Under Employment Agreement.
Stephen and Mrs. Stephen acknowledge that the payments due to them under this Agreement are
intended to cover not only any compensation and retirement benefits, but also the cost of
supplemental health insurance and all other insurance and benefits which may have otherwise been
due Stephen or Mrs. Stephen under the Employment Agreement.  Stephen and Mrs. Stephen
understand and agree that it is solely their responsibility to obtain and maintain such insurance
coverage including health insurance as they deem appropriate.

       	10.	Release by Stephen.  Stephen does hereby release and discharge the Bank and the
Holding Company, and their respective successors, assigns, parents, subsidiaries, affiliates, directors,
officers, agents, employees, and attorneys, both as individuals and as representatives of the Bank
Parties, from any and all claims, demands, debts, obligations, liabilities, lawsuits, arbitration
proceedings, costs, expenses, attorneys' fees, causes of action, judgments, and execution, relating
to the Arbitration Proceeding, arising from Stephen's employment (and the termination of that
employment) with the Bank and the Holding Company (including his service as President, Chief
Executive Officer, and member of the Board of Directors), or relating to any other fact, event, action,
omission or conduct arising through the Effective Date of this Agreement, at common law or by
statute (or otherwise), whether sounding in contract, tort, or other action, whether for negligent,
grossly negligent, or intentional or willful acts or omissions of any and all kinds (including
defamation, slander and libel), whether such claims are for liquidated or unliquidated damages,
known or unknown, mature and not mature, of every kind and nature whatsoever, provided that,
notwithstanding any other language to the contrary in this Agreement:  1) nothing herein shall be
deemed to release any claim or cause of action that arises from facts, events, actions, omissions, or
conduct occurring after the Effective Date of this Agreement, including, without limitation, any
claim or cause of action to enforce the Bank Parties' obligations under this Agreement; 2) nothing
herein shall be deemed to release or diminish in any way the rights of Stephen, if any, as a common
shareholder in the Holding Company; and 3) if the Bank, the Holding Company, or any past, present,
or future successor, assign, subsidiary, affiliate, director, officer, agent, or employee of the Bank or
the Holding Company brings, any claim, demand, cause of action, lawsuit, or other proceeding of
any type, whether individually, as a representative of the Bank or the Holding Company, or in any
other capacity, against Stephen, arising from or relating to any fact, event, action, omission or
conduct occurring on or before the Effective Date of this Agreement, then Stephen's release of the
entity(ies) and/or person(s) bringing such claim, demand, cause of action, lawsuit or other
proceeding, shall be null and void, and

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any applicable statutes of limitations and other time-bar
defenses to all of Stephen's claims and causes of action of whatsoever nature and kind, against such
entity(ies) and/or person(s) shall be deemed tolled from the date of Stephen's execution of this
Agreement until the date 180 days after the date upon which Stephen learns of the filing of the claim,
demand, cause of action, lawsuit, or other proceeding against him.  Stephen agrees that, by virtue
of and under the terms of this Agreement, he is not owed any amount or due any benefit under the
Employment Agreement and that he shall not assert any claim to the contrary.  Further, Stephen
specifically waives and releases all claims, if any, under the Age Discrimination in Employment Act,
29 U.S.C. § 621 et. seq. and the Texas Commission on Human Rights Act, § 21 of the Texas Labor
Code, relating to his employment with and termination from the Bank and the Holding Company,
up to the Effective Date of this Agreement.

       	11.	Release by Mrs. Stephen.  Mrs. Stephen does hereby release and discharge the Bank
Parties and their successors, assigns, parents, subsidiaries, affiliates, directors, officers, agents,
employees, and attorneys, both individually and as representatives of the Bank Parties, from any and
all claims, demands, debts, obligations, liabilities, lawsuits, arbitration proceedings, costs, expenses,
attorneys fees, causes of action, judgments and execution, relating to her rights, if any, to
compensation or benefits (including retirement, health insurance, life insurance, other insurance, or
any other benefit) under the Employment Agreement, as well as those relating to Stephen's
employment with the Bank Parties and termination therefrom (including his service as President,
Chief Executive Officer, and member of the Board of Directors) or relating to any other claims she
may have against any of them arising through the Effective Date of this Agreement; provided that,
notwithstanding any other language to the contrary in this Agreement:  1) nothing herein shall be
deemed to release or diminish in any way the rights of Mrs. Stephen as a common shareholder in the
Holding Company; 2) nothing herein shall be deemed to release any claim or cause of action that
arises from facts, events, actions, omissions, or conduct occurring after the Effective Date of this
Agreement, including, without limitation, any claim or cause of action to enforce the Bank Parties'
obligations under this Agreement; and 3) if the Bank, the Holding Company, or any past, present,
or future successor, assign, subsidiary, affiliate, director, officer, agent, or employee of the Bank or
the Holding Company, brings any claim, demand, cause of action, lawsuit, or other proceeding of
any type, whether individually, as a representative of the Bank or the Holding Company, or in any
other capacity, against Stephen or Mrs. Stephen, arising from or relating to any fact, event, action,
omission or conduct occurring on or before the Effective Date of this Agreement, then Mrs.
Stephen's release of the entity(ies) and/or person(s) bringing such claim, demand, cause of action,
lawsuit or other proceeding, shall be null and void, and any applicable statutes of limitations and
other time-bar defenses to all of Mrs. Stephen's claims and causes of action of whatsoever nature
and kind, against such entity(ies) and/or person(s) shall be deemed tolled from the date of Mrs.
Stephen's execution of this Agreement until the date 180 days after the date upon which Mrs.
Stephen learns of the filing of the claim, demand, cause of action, lawsuit, or other proceeding
against Stephen or Mrs. Stephen.

       	12.	Release by the Bank and the Holding Company.  The Bank and the Holding
Company do hereby release and discharge Stephen and Mrs. Stephen and their heirs, executors,
successors, assigns, agents, and attorneys, from any and all claims, demands, debts, obligations,
liabilities, lawsuits, arbitration proceedings, costs, expenses, attorneys' fees, causes of

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action,
judgments, and execution, relating to the Arbitration Proceeding, arising from Stephen's
employment (and the termination of that employment) with the Bank and the Holding Company
(including his service as President, Chief Executive Officer, and member of the Board of Directors),
or relating to any other fact, event, action, omission or conduct arising through the Effective Date
of this Agreement, at common law or by statute (or otherwise), whether sounding in contract, tort,
or other action, whether for negligent, grossly negligent, or intentional or willful acts or omissions
of any and all kinds, whether such claims are for liquidated or unliquidated damages, known or
unknown, mature and not mature, of every kind and nature whatsoever, provided that
notwithstanding any other language to the contrary in this Agreement:  1) nothing herein shall be
deemed to release any claim or cause of action that arises from facts, events, actions, omissions, or
conduct occurring after the Effective Date of this Agreement, including any claim or cause of action
to enforce Stephen's or Mrs. Stephen's obligations under this Agreement, and 2) if Stephen or Mrs.
Stephen brings any claim, demand, cause of action, lawsuit, or other proceeding of any type against
the Bank Parties, collectively or individually,  arising from or relating to any fact, event, action,
omission or conduct occurring on or before the Effective Date of this Agreement, then the Bank
Parties' release of Stephen and Mrs. Stephen shall be null and void, and any applicable statutes of
limitations and other time-bar defenses to all of the Bank Parties' claims and causes of action, of
whatsoever nature and kind, against Stephen or Mrs. Stephen shall be deemed tolled from the date
of the Bank Parties' execution of this Agreement until the date 180 days after the date upon which
the Bank Parties learn of the filing of the claim, demand, cause of action, lawsuit, or other
proceeding against the Bank Parties.

       	13.	Entire Agreement.  This is the whole Agreement among the Parties.  All prior
agreements (including but not limited to the July 1, 1997 Employment, Consulting and Supplemental
Retirement Agreement) between Stephen and the Bank are void and of no force or effect.  The
Parties acknowledge that, in entering into this Agreement, they are not relying on any promises or
oral or written statements or representations other than those in this Agreement.  The Parties
expressly waive any claim that this Agreement was induced by fraud or any misrepresentation.

       	14.	Advice of Counsel.  Stephen, Mrs. Stephen and the Bank Parties acknowledge,
represent, and warrant that each party has had sufficient opportunity to review the terms and
conditions of this Agreement, that each has used that opportunity to confer with counsel or any other
advisor of their own choosing, that each understands the terms and conditions of this Agreement,
and that each has freely and willingly entered into this Agreement without duress or coercion.
Stephen specifically agrees that by this Agreement he has been advised in writing by the Bank to
consult with an attorney and has done so to the extent he deemed appropriate.

       	15.	Amendment Only in Writing.  This Agreement may be amended only by a written
document executed by all Parties.

       	16.	Choice of Law and Forum.  This Agreement shall be construed and enforced in
accordance with the laws of the State of Texas, without respect to its conflict of laws principles.  It
is further agreed that the exclusive venue and forum for any litigation arising under this Agreement
shall be a Texas State District Court in Brazos County, Texas.

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       	17.	Prevailing Party to Recover Attorneys' Fees and Expenses.  If a claim or cause
of action is hereafter brought seeking to enforce any Party's obligations under this Agreement or
alleging that any Party has breached this Agreement, the prevailing Party's or Parties' reasonable
and necessary expenses, costs and attorneys' fees shall be paid by the non-prevailing Party or Parties.

       	18.	Severability.  If any provision in this Agreement is held to be illegal, invalid, or
unenforceable, such provision shall be severable and the remaining terms and conditions of this
Agreement shall remain in full force and effect.

       	19.	No Reinstatement.  Because of the Bank Parties' desire to avoid potential future
claims of employment discrimination, Stephen agrees that he will not in the future seek employment
with the Bank Parties or their successors provided that any successor to either of the Bank Parties
is free, if it chooses in its sole discretion, to hire Stephen as an employee, consultant or otherwise.

       	20.	Parties Own All Claims.  Stephen, Mrs. Stephen and the Bank Parties each represent
and warrant that they have not assigned, pledged, sold or transferred in any way any right, title, or
interest in any claim or cause of action that is being released herein.

       	21.	Binding Upon Bank Parties' Successors.  The obligations to Stephen and Mrs.
Stephen hereunder shall be binding upon the Bank's and the Holding Company's purchasers,
successors, assigns, and any entity acquiring all or a majority of the stock, business, or assets of the
Bank or the Holding Company.  The Bank Parties shall require any purchaser, successor or assign
(whether direct or indirect, by purchase, merger, consolidation, or otherwise) to all or substantially
all of the stock, business, or assets of the Bank or the Holding Company, to expressly assume and
agree to perform this Agreement in the same manner and to the same extent that the Bank Parties
would be required to perform it if no such purchase, succession, or assignment had taken place.

       	22.	Warranty of Authority.  The Bank and the Holding Company represent and warrant
that their execution of this Agreement has been duly authorized in conformity with the Bank's and
the Holding Company's governing corporate documents, applicable law, and Resolutions adopted
by the Boards of Directors of the Bank and the Holding Company at Board meetings called for such
purpose.  The Bank and the Holding Company agree that they shall furnish to Stephen's attorneys
true and correct copies of fully-executed Resolutions (certified by the Secretaries of the Boards) of
the Bank's and the Holding Company's Boards of Directors approving this Agreement, which
Resolutions shall appear in the typed and approved minutes of the meetings of the Boards of
Directors in which such resolutions were passed.  The Bank Parties will provide copies of these
fully-executed Resolutions to Stephen's attorneys within five (5) business days after the approval
and execution of the Resolutions by the Boards of Directors of the Bank and the Holding Company,
certified to by the secretary(ies) of these Boards.  The Bank Parties also represent and warrant that
they will expeditiously seek, to the extent permitted by law, regulatory approval of this Agreement,
including, without limitation, approval by the U.S. Office of Thrift Supervision.  The Bank and the
Holding Company agree that unless prohibited by law, they shall furnish to Stephen's attorneys true
and correct copies of all required regulatory approvals, or denials of approvals, of this Agreement,
including, 

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without limitation, approval or denial of approval by the U.S. Office of Thrift Supervision, and, if required, approval or denial of approval by the Federal Deposit Insurance
Corporation within three (3) business days after the Bank Parties' receipt of same.  If furnishing
copies of regulatory approvals or denials of approval is prohibited by law, then the Chairmen of the
Boards of Directors of the Bank and the Holding Company will, within three (3) business days after
receipt of any required regulatory approval or denial of approval of this Agreement, send an
overnight delivery letter to attorneys for Stephen informing them of said approval or denial.  

       	23.	Bank Parties to Use Their Best Efforts to Seek Regulatory Approvals.  The Bank
Parties represent and warrant that they will use their best efforts in seeking to obtain all necessary
regulatory approvals of this Agreement.  The Bank Parties agree that their Chairman of the Board,
Gary Snoe,  will meet in Dallas, Texas, as soon as practicable after the Bank Parties' Boards of
Directors have passed Resolutions approving this Agreement, with the U.S. Office of Thrift
Supervision to review this Agreement and attempt to expedite the regulatory approval process.

       	24.	Acceptance of Resignation.  The Bank and the Holding Company accept Stephen's
resignation as President, Chief Executive Officer, and member of the Board of the Bank and the
Holding Company, effective May 3, 2000.

       	25.	Life Insurance on Stephen.  The Parties acknowledge that the Bank and the Holding
Company or their successors may decide to informally fund their payment obligations under this
Agreement, in whole or in part, by seeking to procure, as owner, life insurance or an annuity at their
own expense for their own benefit on the life of Stephen.  Stephen warrants and represents that, after
the Effective Date of this Agreement, for the purpose only of assisting the Bank Parties' or their
successor's attempt to procure life insurance and/or an annuity on Stephen's life in order to
informally fund the Bank Parties' or their successor's payment obligations hereunder and on the
express condition that such life insurance and/or annuity examination(s) not be used for any other
purpose whatsoever by the Bank Parties or their successors, Stephen will fully cooperate with the
Bank, the Holding Company and their successors in their efforts to obtain this life insurance or
annuity by timely submitting to three (3), and thereafter as reasonably requested by the Bank Parties
or their successors, regular and customary, life insurance or annuity physical examination(s) with
a physician or medical care provider selected by the insurance company only and completing
necessary paperwork for the only purpose of attempting to qualify for life insurance or an annuity
on his life.  The Bank and the Holding Company warrant and represent that they and their successors
will not use against Stephen in any manner whatsoever, now or in the future, his cooperation in the
Bank's, the Holding Company's and their successors' efforts to obtain this life insurance or annuity,
including, without limitation, his submitting to a life insurance or annuity physical examination or
the results of that examination, and that such life insurance or annuity physical examination and its
results will not be made available to any third party unless ordered by a Court of competent
jurisdiction

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or except as otherwise is required by law.  The Bank and the Holding Company agree
that they and their successors will not seek the results of any such examination of Stephen, except
for information necessary to understand the reason for any ratings or limitations relating to the life
insurance policy or annuity.

       	26.	Dismissal of Arbitration Proceeding.  Within five (5) business days of the Effective
Date of this Agreement, Stephen and the Bank shall jointly dismiss with prejudice in its entirety the
arbitration proceeding pending before the American Arbitration Association, bearing Case No. 70-160-00306-00, styled Joe Stanley Stephen, Claimant, v. First Federal Savings Bank, Respondent,
including, without limitation, all claims and counterclaims that have been asserted in that
proceeding, with each party to bear its own costs and attorneys' fees.

       	27.	Notice.  For purposes of this Agreement notices and all other communications
provided for in this Agreement (except for delivery of payments) shall be in writing and shall be
deemed to have been duly given when sent by certified mail, return receipt requested, postage
prepaid, to the Bank Parties at 2900 Texas Avenue, Bryan, Texas 77802, and to Stephen and Mrs.
Stephen at 2514 Memorial Drive, Bryan, Texas  77802, or such other address(es) as may be provided
hereafter from time to time in writing by certified mail, return receipt requested, to the respective
parties.

       	28.	Signing and ADEA Revocation Period.  Stephen and the Bank Parties agree that,
pursuant to the Age Discrimination in Employment Act, Stephen has up to twenty-one (21) days to
sign this Agreement after receiving it in order to consider all of its terms, that this Agreement may
be revoked by Stephen in writing sent to the Bank Parties within seven (7) days after Stephen signs
this Agreement, and that the Agreement will not become enforceable until both the seven (7) day
revocation period in this Paragraph has expired and the Effective Date has occurred.

       	29.	Effective Date.  The Bank Parties represent to Stephen and Mrs. Stephen that this
Agreement is subject to review and prior approval by the U.S. Office of Thrift Supervision and
perhaps by other governmental agencies such as the Federal Deposit Insurance Corporation before
it is enforceable.  This Agreement shall become fully effective and enforceable only when all of the
following have occurred:  1) the written unqualified approval of all required governmental agencies
has been obtained by the Bank Parties; 2) copies of all such approvals have been delivered to
Stephen's attorneys or if furnishing such copies to Stephen is prohibited by law, then Stephen has
been informed of all such approvals pursuant to Paragraph 22 above; 3) the two lump sum payments
specified in Paragraphs 6 and 7 are paid to Stephen; and 4) attorneys for Bank Parties and the
attorneys for Stephen and Mrs. Stephen have exchanged one of Bank Parties executed originals of
this Agreement for one of Stephen and Mrs. Stephen's executed originals of this Agreement (the
"Effective Date").  The Parties hereto agree that a fully executed original of this Agreement shall
consist of one original executed by the Bank Parties and one original executed by Stephen and Mrs.
Stephen.

       	30.  Stephen Revocation Option.  Subject to Paragraph 28 of this Agreement and the
Stephen revocation option described below, the Parties agree that once each Party executes this
Agreement, the Parties will not revoke their

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agreement, pending the governmental agency
unqualified written approval described in Paragraph 29 of this Agreement; provided that,
notwithstanding any other language in this Agreement to the contrary, if the above-described
unqualified written approval of all required governmental agencies has not been obtained by the
Bank Parties within ninety (90) calendar days after Stephen and the Bank Parties execute this
Agreement, then Stephen shall have the option of revoking this Agreement by giving thirty (30) day
advance written notice to the Bank Parties of Stephen's intent to revoke this Agreement. Such notice
cannot be given by Stephen to the Bank Parties until the expiration of the ninety (90) day calendar
period after Stephen and the Bank Parties' execution of this Agreement.  Stephen's revocation shall
be effective at 12:00 a.m. midnight on the 30th day after he gives the Bank Parties thirty (30)
calendar days advance written notice of his intent to revoke, unless Stephen in the interim notifies
the Bank Parties in writing of his withdrawal of his notice of intent to revoke.  If the above-described
unqualified written approval of all required governmental agencies is obtained by the Bank Parties
after Stephen has given thirty (30) calendar days advance written notice of his intent to revoke this
Agreement but before expiration of the thirty (30) calendar day notice period, then the revocation
is null and void.  Such option shall continue to be exercisable by Stephen until the unqualified
written approval of all required governmental agencies has been obtained.  If governmental approval
is denied, then this Agreement is null and void as of the date of such denial.  If Stephen revokes this
Agreement, or if the above-described unqualified governmental approval is denied, then each Party,
as soon as practicable after revocation or denial of the above-described unqualified governmental
approval, shall destroy all executed originals of the Agreement in his, her, or its possession, custody,
or control.  Within five days after revocation of this Agreement or denial of the above-described
unqualified governmental approval, both 1) the Bank Parties shall confirm in a writing delivered via
certified mail, return receipt requested, to Stephen and Mrs. Stephen that all executed originals of
the Agreement in the Bank Parties' possession, custody, or control have been destroyed, and 2)
Stephen and Mrs. Stephen shall confirm in a writing delivered via certified mail, return receipt
requested, to the Bank Parties that all executed originals of the Agreement in Stephen's and Mrs.
Stephen's possession, custody, or control have been destroyed.

       	31.	Signatures.  The Parties shall sign this Agreement in duplicate originals immediately.
The duplicate originals of the signature pages shall be retained by the Parties' respective attorneys
pending all required unqualified approvals of this Agreement by governmental agencies.  For the
sole purpose of seeking such governmental approval, copies of the original executed signature pages
shall be attached to this Agreement and sent to the governmental agencies with the following legend
in capital letters prominently displayed and printed diagonally on all such copies: "This is a copy and
is not enforceable or effective."  However, the Parties agree that only the original, executed signature
pages, exchanged as provided in Paragraph 29 of this Agreement, will make the Agreement effective
and enforceable.  Once all required unqualified governmental approvals have been obtained by the
Bank Parties, the Parties shall exchange original executed signature pages immediately after the
payment of the two lump sums specified in Paragraphs 6 and 7 are made by the Bank Parties to
Stephen.

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       	32.	Tolling.  The Parties agree that notwithstanding any language to the contrary in this
Agreement, all applicable statute of limitations and other time-bar defenses to any claims and causes
of action which the Parties may have against each other are tolled from the date of their signatures
to this Agreement until:  1) this Agreement is revoked by Stephen, 2) Stephen is informed pursuant
to Paragraph 22 above that the unqualified governmental approval of this Agreement has been
denied, or 3) the Effective Date happens, whichever occurs first.

EXECUTED this ____ day of ______________________, 2001.

FIRST FEDERAL SAVINGS BANK

___________________________________

By:	Gary Snoe

Its:	Chairman of the Board

THE BRYAN-COLLEGE STATION
       FINANCIAL HOLDING COMPANY

________________________________

By:	_____________________________

Its:	_____________________________

_______________________________

Joe Stanley Stephen

_______________________________

Jean Stephen

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STATE OF TEXAS              		)

                                          
    )

COUNTY OF BRAZOS	      )

       	This instrument was acknowledged before me on the ___ day of ___________________,
2001, by Gary Snoe, the Chairman of the Board of Directors of First Federal Savings Bank, on
behalf of and as the binding act and deed of First Federal Savings Bank.

                                          
                                          
                         ____________________________________

                                          
                                          
                         Notary Public in and for

                                          
                                          
                                	the State of Texas

STATE OF TEXAS              		)

                                          
    )

COUNTY OF BRAZOS	      )

       	This instrument was acknowledged before me on the ___ day of ________, 2001, by
____________________, the _________________________ of The Bryan-College Station
Financial Holding Company, on behalf of and as the binding act and deed of The Bryan-College
Station Financial Holding Company.

                                          
                                          
                         ____________________________________

                                          
                                          
                         Notary Public in and for

                                          
                                          
                                	the State of Texas

STATE OF TEXAS              		)

                                          
    )

COUNTY OF BRAZOS	      )

       	This instrument was acknowledged before me on the ______ day of _______________,
2001, by Joe Stanley Stephen as his binding act and deed.

                                          
                                          
                         ____________________________________

                                          
                                          
                         Notary Public in and for

                                          
                                          
                                	the State of Texas

STATE OF TEXAS              		)

                                          
    )

COUNTY OF BRAZOS	      )

       	This instrument was acknowledged before me on the ______ day of _______________,
2001, by Joe Stanley Stephen as his binding act and deed.

                                          
                                          
                         ____________________________________

                                          
                                          
                         Notary Public in and for

                                          
                                          
                                	the State of Texas

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