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                                                                   Exhibit 10.10

                                                    (AMENDED AS OF MAY 19, 2000)

                    NATIONAL BANCSHARES CORPORATION OF TEXAS
                      1995 AMENDED AND RESTATED STOCK PLAN

1. PURPOSE. This 1995 Stock Plan (the "Plan") is intended to provide incentives
(a) to the officers and other employees of National Bancshares Corporation of
Texas (the "Company"), its parent (if any) and any present or future
subsidiaries of the Company (collectively, "Related Corporations") by providing
them with opportunities to purchase stock in the Company pursuant to options
granted hereunder which qualify as "incentive stock options" under Section
422A(b) of the Internal Revenue Code of 1986, as amended (the "Code") ("ISO" or
"ISOs"); (b) to directors, officers, employees and consultants of the Company
and Related Corporations, or any other person or entity, by providing them with
opportunities to purchase stock in the Company pursuant to options granted
hereunder which do not qualify as ISOs ("Non-Qualified Option" or "Non-Qualified
Options"); (c) to directors, officers, employees and consultants of the Company
and Related Corporations, or any other person or entity, by providing them with
awards of stock in the Company ("Awards"); (d) to directors, officers, employees
and consultants of the Company and Related Corporations, or any other person or
entity, by providing them with Stock Appreciation Rights ("SAR" or "SARs") in
tandem with, or independently of, options granted hereunder; (e) to directors,
officers, employees and consultants of the Company and Related Corporations, or
any other person or entity, by providing them with performance awards in the
form of units ("Units") representing phantom shares of stock ("phantom share" or
"phantom shares"), each Unit representing one phantom share; (f) to directors,
officers, employees and consultants of the Company and Related Corporations, or
any other person or entity, by providing them with opportunities to make direct
purchases of stock in the Company ("Purchases"); and (g) to outside directors
(i.e., any director who is not an employee of the Company) by providing each of
them with annual grants of seven-year options to purchase 7,000 shares of Common
Stock ("Outside Directors' Options").

         ISOs, Non-Qualified Options and Outside Directors' Options are referred
to hereafter individually as an "Option" and collectively as "Options." Options,
Awards, SARs, Units and authorizations to make Purchases are referred to
hereafter collectively as "Stock Rights." Recipients of such Stock Rights are
hereafter referred to individually as an "Optionee" and collectively as
"Optionees." As used herein, the terms "parent" and "subsidiary" mean "parent
corporation" and "subsidiary corporation" respectively, as those terms are
defined in Section 425 of the Code.

2. ADMINISTRATION OF THE PLAN. The Plan shall be administered by (i) the Board
of Directors (the "Board") or (ii) a committee or subcommittee appointed by the
Board (the "Committee") from among its members (collectively, the
"Administrators"). Unless the Board determines otherwise, the Committee shall be
comprised solely of not less than two members who each shall qualify as (i) a
"Non-Employee Director" within the meaning of Rule 16b-3 (or any successor rule)
promulgated under the Securities Exchange Act of 1934, as amended (the "1934
Act") and (ii) an "outside director" within the meaning of Section 162(m) of the
Internal Revenue Code of 1986, as amended (the "Code"). Subject to terms of the
Plan, the applicable Administrator shall have the authority to (i) determine the
employees of the Company and Related Corporations (from among the class of
employees eligible under paragraph 1 to receive ISOs) to whom ISOs may be
granted and to determine (from among the class of individuals and entities
eligible under paragraph 1 to receive Non-Qualified Options, Awards, SARs and
Units and to make Purchases) to whom Non-Qualified Options, Awards, SARs, Units
and authorizations to make Purchases may be granted; (ii) determine the time or
times at which Options, Awards, SARs or Units may be granted or Purchases made;
(iii) determine the option price of shares subject to each Option (subject to
the requirements of paragraph 4 with respect to ISOs and paragraph 5 with
respect to Non-Qualified Options); (iv) determine the purchase price of shares
subject to each Purchase; (v) determine whether each Option granted shall be an
ISO or a Non-Qualified Option; (vi) determine the time or times when each Option
shall become exercisable and the duration of the exercise period (subject to
paragraph 4 with respect to ISOs and paragraph 5 with respect to Non-Qualified
Options); (vii) determine whether restrictions such as repurchase options are to
be imposed on shares subject to Stock Rights and the nature of such
restrictions, if any; and (viii) interpret the Plan and prescribe and rescind
rules and regulations relating to it; however, neither the Board nor the
applicable Administrator shall have any authority to determine whether or when
an outside director shall receive or exercise Outside Directors' Options (or to
determine the exercise price of such Outside Directors' Options) other than to
ensure compliance with the terms of the Plan with respect to Outside Directors'
Options. The interpretation and construction by the applicable Administrator of
any provisions of the Plan or of any Stock Right granted under it shall be final
unless otherwise determined by the Board. Administrators or the Board may from
time to time adopt such rules and regulations for carrying out the Plan as they
may deem best. No member of the Board, any Administrator nor the Company shall
be liable for any action or determination made in good faith with respect to the
Plan or any Stock Right granted under it.

3. STOCK. The stock subject to the Stock Rights shall be authorized but unissued
shares of the Company's Common Stock, par value $.001 per share (the "Common
Stock") or shares of the Common Stock reacquired by the Company in any manner.
The aggregate number of shares of Common Stock which may be issued pursuant to
the Plan is 649,000; PROVIDED, HOWEVER,

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that in no event shall the number of shares of Common Stock subject to, and
issued upon the exercise of, ISOs exceed 649,000 in the aggregate; PROVIDED,
FURTHER, that the aggregate number of shares of Common Stock subject to, and
issuable or issued under, the Plan and the Company's 1994 Non-Qualified Stock
Option Plan shall not exceed 649,000; and PROVIDED, FURTHER, that the maximum
number of shares of Common Stock issuable under the Plan to any employee of the
Company in any calendar year shall not exceed 649,000, less the aggregate number
of shares of Common Stock issuable or issued under the Plan and the Company's
1994 Non-Qualified Stock Option Plan. The number of shares authorized for the
grant of Stock Rights under the Plan shall be subject to adjustment as provided
in paragraph 10. If any Option or any other Stock Right granted under the Plan
shall expire or terminate for any reason without having been exercised in full
or shall cease for any reason to be exercisable in whole or in part, or if the
Company shall reacquire any shares issued pursuant to any Stock Right, either as
a result of forfeiture or delivery to the Company as part or full payment for
the exercise of an Option, the unpurchased shares subject to such Options or
Stock Rights and any shares so reacquired by or delivered to the Company shall
again be available for grants of Stock Rights under the Plan.

4. ISO PROVISIONS. Any of the following provisions shall have no force or effect
if its inclusion in the Plan is not necessary for Options issued as ISOs to
qualify as ISOs pursuant to the Code and the regulations issued thereunder.

                A. GRANT OF ISO. All ISOs shall be granted under the Plan within
ten (10) years of the date of the Plan's adoption by the Board or the date the
Plan receives the requisite shareholder approval, whichever is earlier.

                B. MINIMUM OPTION PRICE FOR ISOs. (i) The price per share
specified in the agreement relating to each ISO granted under the Plan shall not
be less than the fair market value per share of Common Stock on the date of such
grant. In the case of an ISO to be granted to an employee owning stock
representing more than ten percent of the total combined voting power of all
classes of stock of the Company or any Related Corporation, the price per share
specified in the agreement relating to such ISO shall not be less than 110
percent of the fair market value per share of Common Stock on the date of grant.
(ii) In no event shall the aggregate fair market value (determined at the time
an ISO is granted) of Common Stock for which ISOs granted to any employee are
exercisable for the first time by such employee during any calendar year (under
all stock option plans of the Company and any Related Corporation) exceed
$100,000. (iii) If, at the time an ISO is granted under the Plan, the Company's
Common Stock is publicly traded, "fair market value" shall be determined as of
the last business day for which the prices or quotes discussed in this sentence
are available prior to the date such Option is granted and shall mean (a) the
last reported sales price of the Common Stock on the principal national
securities exchange on which the Common Stock is traded, if the Common Stock is
then traded on a national securities exchange; or (b) the last reported sale
price (on that date) of the Common Stock on the NASDAQ National Market List, if
the Common Stock is not then traded on a national securities exchange; or (c)
the closing bid price (or the average of bid prices) last quoted (on that date)
by an established quotation service for over-the-counter securities, if the
Common Stock is not reported on the NASDAQ National Market List. However, if the
Common Stock is not publicly traded at the time an ISO is granted under the
Plan, "fair market value" shall be deemed to be the fair market value of the
Common Stock as determined by the applicable Administrator after taking into
consideration all factors which it deems appropriate, including, without
limitation, recent sale and offer prices of the Common Stock in private
transactions negotiated at arm's length.

         C. DURATION OF ISOs. Subject to earlier termination as provided in
subparagraphs F and G hereunder, each ISO shall expire on the date specified by
the applicable Administrator, but not more than (i) ten years from the date of
grant in the case of ISOs generally, and (ii) five years from the date of grant
in the case of ISOs granted to an employee owning stock possessing more than ten
percent of the total combined voting power of all classes of stock of the
Company or any Related Corporation. Subject to the foregoing provisions and such
earlier termination as provided in said subparagraphs E and F, the term of each
ISO shall be the term set forth in the original instrument granting such ISO,
except with respect to any part of such ISO that is converted into a
Non-Qualified Option pursuant to subparagraph K below.

         D.  ELIGIBLE  EMPLOYEES.  ISOs may be granted to any  employee of the
Company or any Related Corporation. Those officers and directors of the Company
who are not employees may not be granted ISOs under the Plan.

         E. ACCELERATION OF EXERCISE OF ISOs. The Administrator shall not,
without the consent of the Optionee, accelerate the exercise date of any
installment of any ISO granted to any employee (and not previously converted
into a Non-Qualified Option pursuant to subparagraph K below) if such
acceleration would violate the annual vesting limitation contained in Section
422A(d) of the Code, as described in subparagraph B(ii) hereinabove.

         F. EFFECT OF TERMINATION OF EMPLOYMENT ON ISOs. If an ISO Optionee
ceases to be employed by the Company or any Related Corporation other than by
reason of death or disability (as such term is defined in subparagraph I
hereunder), any ISO granted to such Optionee within the six-month period
immediately preceding such termination shall be cancelled forthwith. With
respect to any ISOs granted to such Optionee more than six months prior to such
termination, no further installments of such ISOs shall become exercisable and
his ISOs shall terminate after the passage of 60 days from the date of
termination of his employment, but in no event later than on their specified
expiration dates, except to the extent that such ISOs (or unexercised
installments thereof) have been converted into Non-Qualified Options pursuant to
subparagraph K below. Leave of absence with the written approval of the
applicable Administrator shall not be considered an interruption of employment
under the Plan, provided that such written approval contractually obligates the
Company or any Related Corporation to continue the employment of the employee
after the approved period of absence. Employment shall also be considered as
continuing uninterrupted during any other bona fide leave of absence (such as
those attributable to illness,

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military obligations or governmental service) provided that the period of such
leave does not exceed 90 days or, if longer, any period during which such
Optionee's right to reemployment is guaranteed by statute. ISOs granted under
the Plan shall not be affected by any change of employment within or among the
Company and Related Corporations, so long as the Optionee continues to be an
employee of the Company or any Related Corporation.

         G. EFFECT OF DEATH OR DISABILITY ON ISOs. If an Optionee ceases to be
employed by the Company or any Related Corporation by reason of his death, any
ISO of his may be exercised, to the extent of the number of shares with respect
to which he could have exercised it on the date of his death, by his estate,
personal representative or beneficiary who has acquired the ISO by will or by
the laws of descent and distribution, at any time prior to the earlier of the
date specified in the ISO agreement, the ISO's specified expiration date or one
year of the death of the Optionee. If an Optionee ceases to be employed by the
Company and all Related Corporations by reason of his disability, he shall have
the right to exercise any ISO held by him on the date of termination of
employment, to the extent of the number of shares with respect to which he could
have exercised it on that date, at any time prior to the earlier of the date
specified in the ISO agreement, the ISO's specified expiration date or one year
from the date of the termination of the Optionee's employment. For the purposes
of the Plan, the term "disability" shall mean "permanent and total disability"
as defined in Section 22(e)(3) of the Code or successor statute.

         H. ADJUSTMENTS. Any adjustment made pursuant to paragraphs 10(A) or (B)
with respect to ISOs shall be made only after the applicable Administrator,
after consulting with counsel for the Company, determines whether such
adjustments would constitute a "modification" of such ISOs (as that term is
defined in Section 425 of the Code) or would cause any adverse tax consequences
for the holders of such ISOs. If the applicable Administrator determines that
such adjustments made with respect to ISOs would constitute a modification of
such ISOs, it may refrain from making such adjustments.

         I. NOTICE TO COMPANY OF DISQUALIFYING DISPOSITIONS. Each employee who
receives an ISO must agree to notify the Company in writing immediately after
the employee makes a "disqualifying disposition" of any Common Stock acquired
pursuant to the exercise of an ISO. A "disqualifying disposition" is any
disposition (including any sale) of such Common Stock before the later of (a)
two years after the date the employee was granted the ISO, or (b) one year after
the date the employee acquired Common Stock by exercising the ISO. If the
employee has died before such stock is sold, these holding period requirements
do not apply and no Disqualifying Disposition can occur thereafter.

         J. OTHER  REQUIREMENTS.  ISOs shall be issued subject to such
additional requirements as may be imposed from time to time by the Code or the
regulations issued thereunder.

         K. CONVERSION OF ISOS INTO NON-QUALIFIED OPTIONS; TERMINATION OF ISOS.
The applicable Administrator, at the written request of any Optionee, may in its
discretion take such actions as may be necessary to convert such Optionee's ISOs
(or any installments or portions of installments thereof) that have not been
exercised on the date of conversion into Non-Qualified Options at any time prior
to the expiration of such ISOs, regardless of whether the Optionee is an
employee of the Company or a Related Corporation at the time of such conversion.
Such actions may include, but not be limited to, extending the exercise period
or reducing the exercise price of the appropriate installments of such Options.
At the time of such conversion, the applicable Administrator (with the consent
of the Optionee) may impose such conditions on the exercise of the resulting
Non-Qualified Options as the applicable Administrator in its discretion may
determine, provided that such conditions shall not be inconsistent with the
provisions of paragraph 5 or any other paragraph of the Plan. Nothing in the
Plan shall be deemed to give any Optionee the right to have such Optionee's ISOs
converted into Non-Qualified Options, and no such conversion shall occur until
and unless the Administrator takes appropriate action. The applicable
Administrator, with the consent of the Optionee, may also terminate any portion
of any ISO that has not been exercised at the time of such termination.

5.  NON-QUALIFIED OPTIONS.

                   A. MINIMUM OPTION PRICE. The price per share specified in the
agreement relating to each Non-Qualified Option granted under the Plan shall not
be less than the fair market value per share of Common Stock on the date of such
grant. If, at the time a Non-Qualified Option is granted under the Plan, the
Company's Common Stock is publicly traded, "fair market value" shall be
determined as of the last business day for which the prices or quotes discussed
in this sentence are available prior to the date such Non-Qualified Option is
granted and shall mean (i) the last reported sales price of the Common Stock on
the principal national securities exchange on which the Common Stock is traded,
if the Common Stock is then traded on a national securities exchange; or (ii)
the last reported sale price (on that date) of the Common Stock on the NASDAQ
National Market List, if the Common Stock is not then traded on a national
securities exchange; or (iii) the closing bid price (or the average of bid
prices) last quoted (on that date) by an established quotation service for
over-the-counter securities, if the Common Stock is not reported on the NASDAQ
National Market List. However, if the Common Stock is not publicly traded at the
time a Non-Qualified Option is granted under the Plan, "fair market value" shall
be deemed to be the fair market value of the Common Stock as determined by the
applicable Administrator after taking into consideration all factors which it
deems appropriate, including, without limitation, recent sale and offer prices
of the Common Stock in private transactions negotiated at arm's length.

              B. DURATION OF NON-QUALIFIED OPTIONS.  Each Non-Qualified
Option shall expire on the date specified by the applicable Administrator,
but not more than ten (10) years from the date of grant.

              C. VESTING OF NON-QUALIFIED OPTIONS. Subject to any longer or
shorter vesting periods and any termination

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provisions which the applicable Administrator may impose, a Non-Qualified Option
shall be exercisable as follows: (i) 20% of the shares under the Non-Qualified
Option shall be exercisable one calendar year after the date of its grant, (ii)
an additional 20% of the shares under the Non-Qualified Option shall be
exercisable two calendar years after the date of its grant, (iii) an additional
20% of the shares under the Non-Qualified Option shall be exercisable three
calendar years after the date of its grant, (iv) an additional 20% of the shares
under the Non-Qualified Option shall be exercisable four calendar years after
the date of its grant, and (v) the last 20% of the shares under the
Non-Qualified Option shall be exercisable five calendar years after the date of
its grant.

          D. MAINTAIN NON-ISO STATUS. If the applicable Administrator determines
to issue a Non-Qualified Option, it shall take whatever actions it deems
necessary, under Section 422A of the Code and the regulations promulgated
thereunder, to ensure that such Non-Qualified Option is not treated as an ISO.

6. STOCK APPRECIATION RIGHTS. At the discretion of the applicable Administrator,
Options granted under this Plan may be granted in tandem with SARs ("tandem
SARs"), or SARs may be granted independently of and not in tandem with any
Option ("naked SARs"). SARs will become exercisable at such time or times, and
on such conditions, as the applicable Administrator may specify; the applicable
Administrator may impose conditions upon the grant or exercise of any SAR, which
conditions may include a condition that the SAR may only be exercised in
accordance with rules and regulations adopted by the applicable Administrator
from time to time. Such rules and regulations may govern the right to exercise
the SAR granted prior to the adoption or amendment of such rules and regulations
as well as SAR rights granted thereafter.

         A. TANDEM SARS.(i) Any tandem SAR granted with an ISO may be granted
only at the date of grant of such ISO. Any tandem SAR granted with a
Non-Qualified Option may be granted either at or after the time such Option is
granted. A tandem SAR is the right of an Optionee, without payment to the
Company (except for applicable withholding taxes), to receive the excess of the
fair market value (as defined in subparagraph 4(B)(iii)) per share on the date
on which such SAR is exercised over the option price per share as provided in
the relating underlying Option. A tandem SAR granted with an ISO may be
exercised only when the fair market value (as defined in subparagraph 4(B)(iii))
per share of the Common Stock subject to the ISO exceeds the per share exercise
price of the ISO. A tandem SAR granted with an Option shall pertain to, and be
granted only in conjunction with, the related underlying Option granted under
this Plan and shall be exercisable and exercised only to the extent that the
underlying Option is exercisable. The number of shares of Common Stock subject
to such tandem SAR shall be all or part of the shares subject to such Option as
determined by the applicable Administrator. The tandem SAR shall either become
fully or partially non-exercisable and shall then be fully or partially
forfeited if the exercisable portion, or any part thereof, of the underlying
Option is exercised and vice versa. (ii) Subject to any restrictions or
conditions imposed by the applicable Administrator, a tandem SAR may be
exercised by the Optionee as to a number of shares of Common Stock under its
related Option only upon the surrender of the then-exercisable portion of the
related Option covering a like number of shares of Common Stock. Upon the
exercise of a tandem SAR and the surrender of the exercisable portion of the
related Option, the Optionee shall be awarded cash, shares of Common Stock or a
combination of shares and cash at the discretion of the applicable
Administrator. The award shall have a total value equal to the product obtained
by multiplying (1) the excess of the fair market value per share on the date on
which such tandem SAR is exercised over the Option price per share by (2) the
number of shares subject to the exercisable portion of the related Option so
surrendered.

         B. NAKED SARS. (i) A naked SAR may be granted irrespective of whether
the recipient holds, is being granted, or has been granted any options under any
stock plan of the Company. A naked SAR may be granted irrespective of whether
the recipient holds, is being granted, or has been granted any tandem SARs. A
naked SAR may be made exercisable without regard to the exercisability of any
option. (ii) With respect to the exercise of any naked SAR, the term "Spread" as
used in this paragraph 6 shall mean an amount equal to the product computed by
multiplying (1) the excess of (A) the fair market value per share of Common
Stock of the Company on the date such naked SAR is exercised over (B) the price
designated by the applicable Administrator (the "Award Price") by (2) the number
of shares with respect to which such naked SAR is being exercised.

         C. GENERAL PROVISIONS. (i) The applicable Administrator may specify
that a SAR shall be exercisable for cash, for shares, for a combination of cash
or shares, or in cash or shares at the holder's option. On the exercise of a
SAR, the holder thereof, except as provided in subparagraphs (ii) and (iii) of
this paragraph 6(C), shall be entitled to receive either: (a) if the exercise is
for shares, a number of shares equal to the quotient computed by dividing the
Spread by the fair market value per share on the date of exercise of the SAR,
PROVIDED, HOWEVER, that in lieu of fractional shares the Company shall pay cash
equal to the same fraction of the fair market value per share on the date of
exercise of the SAR; or (b) if the exercise is for cash, an amount in cash equal
to the Spread; or (c) if the exercise is partly for cash and partly for shares,
a combination of cash in the amount specified in such SAR holder's notice of
exercise, and a number of shares calculated as provided in clause (a) of this
subparagraph (i), after reducing the Spread by such cash amount, plus cash in
lieu of any fractional share as provided above. (ii)Notwithstanding the
provisions of subparagraph (i) of this paragraph 6(C), the applicable
Administrator shall have sole discretion to consent to or disapprove, in whole
or in part, any permitted election or the right without election of a holder of
a SAR to receive cash upon the exercise of a SAR ("Cash Election"). Such consent
or disapproval may be given at any time after the Cash Election to which it
relates. If the applicable Administrator shall disapprove a Cash Election, in
lieu of paying the cash (or any portion thereof) specified in such Cash
Election, the Administrator shall

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determine the amount of cash, if any, to be paid pursuant to such Cash Election
and shall issue a number of shares calculated as provided in clause (a) of
subparagraph (i) of this paragraph 6(C), after reducing the Spread by such cash
to be paid plus cash in lieu of any fractional share. (iii) SARs granted or to
be granted to officers or directors of the Company under the Plan shall be
subject to the following additional provisions: (a) no grant shall be made
unless and until the Company has been subject to the reporting requirements of
Section 13(a) of the 1934 Act for at least a year and has filed all reports and
statements required to be filed pursuant to such Section for that year; (b) a
Cash Election may be made only during the period beginning on the third business
day following the date of release for publication of the quarterly and annual
summary statements of sales and earnings of the Company and ending on the
twelfth business day following such date; and (c) no Cash Election may be made
(and no related Option exercised) during the six months after grant, except in
the event of the death or disability of the holder. The Company intends that
this subparagraph (iii) shall comply with the requirements of Rule 16b-3. Should
any provision of this subparagraph (iii) be unnecessary to comply with the
requirements of the said Rule 16b-3, the Board may amend this Plan to add to or
modify the provisions of this Plan accordingly. (iv) No SAR shall be
transferable except by will or by the laws of descent and distribution. During
the life of a holder of a SAR, the SAR shall be exercisable only by him or his
guardian or legal representative. (v) A person exercising a SAR for shares shall
not be treated as having become the registered owner of any shares issued on
such exercise until such shares are delivered to him. (vi) Each SAR shall be on
such terms and conditions (including additional terms and conditions) not
inconsistent with this Plan as the applicable Administrator may determine. (vii)
To exercise a SAR, the holder shall (i) give written notice thereof to the
Company addressed to the Secretary of the Company by delivery to the Company at
104 East Mann Road, Laredo, Texas 78042, and by specifying therein the amount he
elects (if such election is permitted under the terms of the SAR) to receive in
cash, if any, and the amount he elects (if such election is permitted under the
terms of the SAR) to receive in shares, and (ii) deliver to the Company such
written representations, warranties and covenants as may be required by the
Company or Company counsel. The date of exercise of a SAR shall be the date on
which the Company shall have received the notice referred to in the first
sentence of this subparagraph (vii). (viii) The number of shares awardable to an
Optionee with respect to the noncash portion of a SAR shall be determined by
dividing such noncash portion by the fair market value per share (as determined
in accordance with subparagraph 4(B)(iii)) on the exercise date. No fractional
shares shall be issued. Any fractional shares which, but for this subparagraph
(viii), would have been issued to an Optionee pursuant to a SAR, shall be deemed
to have been issued and immediately sold to the Company for their fair market
value, and the Optionee shall receive from the Company cash in lieu of such
fractional shares.

7. UNITS. At the discretion of the applicable Administrator, performance awards
in the form of Units may be granted either independently of or in tandem with a
Stock Right granted hereunder, to such extent as determined by the applicable
Administrator, except that such Units shall not be granted in tandem with ISOs
granted under the Plan. Units granted hereunder may be based on such factors as
changes in the market price for shares of Common Stock of the Company, personal
performance of the recipient of such Units or of his division or department, the
performance of the Related Corporation by which he is employed, or any other
factors or criteria set by the applicable Administrator. Units shall have such
other terms and conditions as the applicable Administrator shall determine and
shall be payable in such form as such Administrator may determine including, for
example, payment in shares of the Company's Common Stock.

8. OUTSIDE DIRECTORS' OPTIONS.

         A. GRANT. On March 1 of each calendar year commencing March 1, 1995,
and ending April 17, 2000, each outside director then serving shall receive an
option to purchase 7,000 shares of Common Stock (individually, an "Outside
Director's Option," and collectively, "Outside Directors' Options"). In no event
shall any Outside Directors' Options be granted subsequent to April 17, 2000.

          B. MINIMUM PURCHASE PRICE. The exercise price per share of the Outside
Directors' Options shall not be less than the fair market value per share of
Common Stock on the date of such grant. If, at the time an Outside Director's
Option is granted under the Plan, the Company's Common Stock is publicly traded,
"fair market value" shall be determined as of the last business day for which
the prices or quotes discussed in this sentence are available prior to the date
such Outside Director's Option is granted and shall mean (i) the last reported
sales price of the Common Stock on the principal national securities exchange on
which the Common Stock is traded, if the Common Stock is then traded on a
national securities exchange; or (ii) the last reported sale price (on that
date) of the Common Stock on the NASDAQ National Market List, if the Common
Stock is not then traded on a national securities exchange; or (iii) the closing
bid price (or the average of bid prices) last quoted (on that date) by an
established quotation service for over-the-counter securities, if the Common
Stock is not reported on the NASDAQ National Market List. However, if the Common
Stock is not publicly traded at the time an Outside Director's Option is granted
under the Plan, "fair market value" shall be the average of the three most
recent sale and offer prices of the Common Stock in private transactions
negotiated at arm's length.

         C. DURATION OF OUTSIDE  DIRECTORS'  OPTIONS.  Each Outside  Director's
Option shall expire seven (7) years from the date of grant; otherwise, an
Outside Director's Option shall not be subject to forfeiture or termination.

         D. EXERCISE. An outside director may exercise an Outside Director's
Option, if exercisable, by providing written notice to the Company addressed to
the Secretary of the Company at the Company's corporate office. The written
notice shall specify the number of options being exercised, and by paying the
full exercise price. The written notice shall also

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include such written representations, warranties and covenants as may be
required by the Company, Company counsel or the applicable Administrator.

         E.  MAINTAIN  NON-ISO  STATUS.  The  applicable   Administrator  shall
take whatever actions it deems necessary, under Section 422A of the Code and the
regulations promulgated thereunder, to ensure that any such Outside Director's
Option is not treated as an ISO.

         F.  TERMINATION.  Upon the  termination  of the Plan or the
unavailability of shares of Common Stock for issuance under the Plan, no
additional Outside Directors' Options shall be granted.

9. WRITTEN AGREEMENTS. Stock Rights shall be evidenced by instruments (which
need not be identical) in such forms as the applicable Administrator may from
time to time approve. Such instruments shall conform to such terms, conditions
and provisions as are applicable hereunder and may contain such other terms and
conditions and provisions as the applicable Administrator deems advisable which
are not inconsistent with the Plan, including restrictions applicable to shares
of Common Stock issuable upon exercise of Stock Rights and the payment, if
applicable, of any legal form of consideration (including, without limitation,
whether payment must be in cash or by tendering shares of Common Stock). A Stock
Right may provide for acceleration of exercise in the event of a change in
control of the Company, in the discretion of and as defined by the applicable
Administrator. The applicable Administrator may from time to time confer
authority and responsibility on one or more of its own members and/or one or
more officers of the Company to execute and deliver such instruments. The proper
officers of the Company are authorized and directed to take any and all action
necessary or advisable from time to time to carry out the terms of such
instruments.

10. ADJUSTMENTS. Upon the happening of any of the following described events, an
Optionee's rights with respect to Options granted to him hereunder, and the
recipient's rights with respect to Common Stock to be acquired (or used for
measurement purposes) pursuant to the exercise of SARs or Units, or to be
acquired pursuant to a Purchase or Award hereunder, shall be adjusted as
hereinafter provided, unless otherwise specifically provided, in addition or to
the contrary, in the written agreement between the recipient and the Company
relating to such Stock Right.

         A. CERTAIN CORPORATE EVENTS. In the event shares of Common Stock shall
be subdivided or combined into a greater or smaller number of shares or if, upon
a merger, consolidation, reorganization, split-up, liquidation, combination,
recapitalization or the like of the Company, the shares of Common Stock shall be
exchanged for other securities of the Company or of another corporation, or
exchanged for assets (including cash), each grantee of a Stock Right shall be
entitled, subject to the conditions herein stated, to purchase (or have used for
measurement purposes) such number of shares of Common Stock, amount of other
securities of the Company or such other corporation, or assets (including cash),
as were exchangeable for the number of shares of Common Stock which such grantee
would have been entitled to purchase (or have used for measurement purposes)
except for such action, and appropriate adjustments shall be made in the
purchase price per share to reflect such subdivision, combination or exchange.

         B. STOCK DIVIDENDS. In the event the Company shall issue any of its
shares as a stock dividend upon or with respect to the shares of stock of the
class which at the time shall be subject to a Stock Right hereunder, each
grantee upon exercising a Stock Right shall be entitled to receive (for the
purchase price paid upon such exercise) (or have used for measurement purposes)
the shares or other consideration as to which he is exercising his Stock Right
and, in addition thereto (at no additional cost), such number of shares of the
class or classes in which such stock dividend or dividends were declared or
paid, and such amount of cash in lieu of fractional shares, or other
consideration as he would have received if he had been the holder of the shares
as to which he is exercising (or which are used for measurement in connection
with) his Stock Right at all times between the date of grant of such Stock Right
and the date of its exercise.

         C. NEW SECURITIES. If any person or entity owning restricted Common
Stock obtained by exercise of a Stock Right made hereunder receives new or
additional or different shares or securities ("New Securities") in connection
with a corporate transaction described in subparagraph A above or a stock
dividend described in subparagraph B above as a result of owning such restricted
Common Stock, such New Securities shall be subject to all of the conditions and
restrictions applicable to the restricted Common Stock with respect to which
such New Securities were issued.

         D. CASH  DIVIDENDS.  No  adjustments  shall be made for dividends  paid
in cash or in property other than securities of the Company, unless specified to
the contrary by the applicable Administrator in the instrument evidencing such
Stock Right.

         E. FRACTIONAL SHARES. No fractional shares shall actually be issued
under the Plan. Any fractional shares which, but for this subparagraph E, would
have been issued to a grantee pursuant to a Stock Right shall be deemed to have
been issued and immediately sold to the Company for their fair market value, and
the grantee shall receive from the Company cash in lieu of such fractional
shares.

         F. ADJUSTMENTS. Upon the happening of any of the foregoing events
described in subparagraphs A or B above, the class and aggregate number of
shares set forth in paragraph 3 hereof that are subject to Stock Rights which
previously have been or subsequently may be granted under the Plan shall also be
appropriately adjusted to reflect the events described in such subparagraphs.
The Board shall determine the specific adjustments to be made under this
paragraph 10 and, subject to paragraph 4(H), its determination shall be
conclusive.

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11. MEANS OF EXERCISING STOCK RIGHTS. A Stock Right (or any part or installment
thereof) shall be exercised as specified in the written instrument granting such
Stock Right, which instrument may specify any legal method of exercise and any
method of payment of the exercise price, including, without limitation, the
payment of the exercise price by tendering outstanding shares of Common Stock or
shares of Common Stock received upon exercise of a Stock Right. In the
discretion of the Administrator, payment may also be made by delivering a
properly executed exercise notice to the Company together with a copy of
irrevocable instructions to a broker to deliver promptly to the Company the
amount of sale or loan proceeds to pay the exercise price. To facilitate the
foregoing, the Company may enter into agreements for coordinated procedures with
one or more brokerage firms. The holder of a Stock Right exercisable for shares
shall not have the rights of a shareholder with respect to the shares covered by
his Stock Right until the date of issuance of a stock certificate to him for
such shares. Except as expressly provided above in paragraph 10 with respect to
changes in capitalization and stock dividends, no adjustment shall be made for
dividends or similar rights for which the record date is before the date such
stock certificate is issued.

12. TRANSFERABILITY OF STOCK RIGHTS. Except as otherwise provided in the Plan,
by the Administrator or in the written instrument granting the Stock Right, no
Stock Right granted under the Plan shall be transferable by an Optionee other
than by (i) will or the laws of descent and distribution, or (ii) pursuant to a
qualified domestic relations order as defined by the Code or Title I of the
Employee Retirement Income Security Act, or the rules thereunder.

13. TERM OF THE PLAN. This Plan was adopted by the Board on February 24, 1995,
subject to approval of the Plan by the holders of a majority of the outstanding
shares of the Company at the next meeting of shareholders present in person or
by proxy at the next meeting of shareholders. Stock Rights may be granted under
the Plan at any time after February 24, 1995, even if prior to the date of
shareholder approval of the Plan; PROVIDED, HOWEVER, that such date shall not be
prior to the date on which the applicable Administrator acts to approve the
grant or award of such Stock Rights (other than Outside Directors' Options, the
grant of which are not subject to the applicable Administrator's approval). If
the requisite shareholder approval is not obtained by July 1, 1995, any grants
of ISOs under the Plan and any grants of Stock Rights (including Outside
Directors Options) to officers and directors, as the case may be, made prior to
that date will be automatically rescinded.

14. TERMINATION; AMENDMENT. The Board may terminate or amend the Plan in any
respect at any time, except that no amendment shall, without the approval of the
holders of a majority of the shares entitled to vote and that voted for or
against or expressly abstained with respect to the amendment of the Plan,
increase the total number of shares which may be issued under the Plan

15. APPLICATION OF FUNDS. The cash proceeds, if any, received by the Company
from the sale of shares pursuant to Stock Rights authorized under the Plan shall
be used for general corporate purposes.

16. GOVERNMENTAL REGULATION. The Company's obligation to sell and deliver shares
of the Common Stock under this Plan is subject to the approval of any
governmental authority required in connection with the authorization, issuance
or sale of such shares. If the Company, in its sole discretion, shall determine
that it is necessary, to comply with applicable securities laws, the certificate
or certificates representing shares purchased pursuant to the exercise of a
Stock Right shall bear an appropriate legend in form and substance, as
determined by the Company, giving notice of applicable restrictions on transfer
under or with respect to such securities laws. The Company's obligation to
transfer or register the transfer or disposition of any shares of Common Stock
issued under the Plan is further subject to the Company's determination that
such transfer or disposition is in compliance with all applicable securities
laws. Notwithstanding anything to the contrary expressed in this Plan, any
provisions hereof that vary from or conflict with any applicable Federal or
state securities laws (including any regulations promulgated thereunder) shall
be deemed to be modified to conform to and comply with such laws.

         17. WITHHOLDING OF ADDITIONAL INCOME TAXES. Each Optionee shall, no
later than the date as of which the value of the Stock Right or of any Common
Stock or other amount received thereunder first becomes includable in the gross
income of the Optionee for Federal income tax purposes, pay to the Company, or
make arrangements satisfactory to the Administrators regarding payment of, any
Federal, state, or local taxes of any kind required by law to be withheld with
respect to such income. The Administrators may permit payment of such taxes to
be made through the tender of cash or securities, the withholding of Common
Stock or any other arrangement satisfactory to the Administrators. The Company
and its subsidiaries shall, to the extent permitted by law, have the right to
deduct any such taxes from any payment of any kind otherwise due to the
Optionee.

18. GOVERNING LAW; CONSTRUCTION. The validity and construction of the Plan and
the instruments evidencing Stock Rights shall be governed by the laws of the
State of Texas. In construing this Plan, the singular shall include the plural
and the masculine gender shall include the feminine and neuter, unless the
context otherwise requires.

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19. INDEMNIFICATION. No member of the Board of Directors or any Administrator
shall be liable for any action or determination taken or made in good faith with
respect to this Plan nor shall any member of the Board of Directors or any
Administrator be liable for any agreement or instrument issued pursuant to this
Plan or any grants under it. Without limiting any other rights to
indemnification, each member of the Board of Directors and each administrator
shall be indemnified by the Company against any losses incurred in such
administration of this Plan to the fullest extent permitted by the Texas
Business Corporation Act, as amended.

20.      CHANGE OF CONTROL; ACCELERATION OF VESTING

         A. The Administrators, in their sole discretion, may provide in the
instrument evidencing the Stock Right that with respect to any Stock Right
(other than with respect to Directors' Options) any or all of the following
actions may occur as a result of, or in anticipation of, any Change in Control
to assure fair and equitable treatment of Optionees:

                  (i)      acceleration  of time periods for purposes of vesting
in, or realizing gain from, any outstanding Stock Right made pursuant to this
Plan;

                  (ii) waiver of restrictions and conditions applicable to Stock
Rights, subject to compliance with applicable state and federal securities laws

                  (iii) purchase of any outstanding Stock Right made pursuant to
this Plan from the holder of its equivalent cash value, as determined by the
Administrators, as of the effective date of the Change in Control; and

                  (iv) adjustments or modifications to outstanding Stock Right
as the Administrators deem appropriate to maintain and protect the rights and
interests of the Optionees.

         B. The Administrators may at any time accelerate the exercisability of
any Stock Right to an Optionee (if applicable) and may waive restrictions and
conditions on Stock Rights (if applicable) to Optionees to the extent it shall
in its sole discretion determine (other than with respect to Directors'
Options).

         C.       For  purposes of this  Section,  a "Change in Control"  shall
mean the occurrence of any of the following events:

                           (i) any "person" (as such term is used in Sections
                  13(d) and 14(d) of the Exchange Act (other than the Company,
                  any trustee or other fiduciary holding securities under an
                  employee benefit plan of the Company, or any company owned,
                  directly or indirectly, by the stockholders of the Company in
                  substantially the same proportions as their ownership of the
                  Stock of the Company), is or becomes the "beneficial owner"
                  (as defined in Rule 13d-3 under the Exchange Act), directly or
                  indirectly, of securities of the Company (not including in the
                  securities beneficially owned by such person any securities
                  acquired directly from the Company or its affiliates)
                  representing more than 50% of the combined voting power of the
                  Company's then outstanding voting securities; provided,
                  however, a Change of Control shall not be deemed to occur
                  solely because such person acquired beneficial ownership of
                  more than 50% of the combined voting power of the Company's
                  then outstanding voting securities as a result of the
                  acquisition of voting securities by the Company, which by
                  reducing the number of voting securities outstanding,
                  increases the proportional number of shares beneficially owned
                  by such person, provided that if a Change of Control would
                  occur (but for the operation of this sentence) as a result of
                  the acquisition of voting securities by the Company, and after
                  such share acquisition by the Company, such person becomes the
                  beneficial owner of any additional voting securities which
                  increases the percentage of the then outstanding voting
                  securities beneficially owned by such person, then a Change of
                  Control shall occur;

                           (ii)     all or  substantially  all of the assets and
                  business of the Company are sold, transferred or assigned to,
                  or otherwise acquired by, any other entity or entities; or

                           (iii) a merger, consolidation or reorganization of
                  the Company with any other corporation, other than a merger,
                  consolidation or reorganization which would result in the
                  shareholders of the Company immediately before such merger,
                  consolidation or reorganization, owning, directly or
                  indirectly immediately following such merger, consolidation or
                  reorganization, at least 60% of the combined voting power of
                  the voting securities of the Company or such surviving entity
                  outstanding immediately after such

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                  merger, consolidation or reorganization in substantially the
                  same proportion as their ownership of the voting securities
                  immediately before such merger, consolidation, or
                  reorganization.

                  Notwithstanding the foregoing, in no event shall the
distribution by the Company to its shareholders of stock in a subsidiary be
deemed a Change in Control.

21.      STOCK  CERTIFICATES.  The Company shall not be required to issue or
deliver any certificate for shares of Stock under this Plan or of any portion
thereof prior to fulfillment of all of the following conditions:

         (a) The admission of such shares to listing or quotation on all stock
exchanges or automated quotation systems on which the Stock is then listed or
quoted, if any;

         (b) The completion of any registration or other qualification of such
shares under any Federal or state law, under the rulings or regulations of the
Securities and Exchange Commission, or under any other governmental regulatory
agency which the Administrators shall in their sole discretion determine to be
necessary or advisable;

         (c) The obtaining of any approval or other clearance from any Federal
or state governmental agency which the Administrators shall in their sole
discretion determine to be necessary or advisable; and

         (d) The lapse of such reasonable period of time following the exercise
of the grant as the Administrators from time to time may establish for reasons
of administrative convenience.

         If these conditions are not satisfied the Optionee may lose his rights
to such Stock as determined by the Administrators.

                                       80<PAGE>

                                                                   Exhibit 10.13

                              EMPLOYMENT AGREEMENT

                  Agreement made as of April 7, 2000 (the "Effective Date"),
between Morris D. Weiss (the "Executive") and National Bancshares Corporation of
Texas, a Texas corporation (the "Company").

                  The Executive has been employed by the Company pursuant to an
Employment Agreement effective as of April 7, 1997 (the "Initial Agreement").
The Initial Agreement expired as of April 7, 2000, with the parties reserving
all rights pursuant to such agreement.

                  The Board of Directors of the Company (the "Board") desires to
provide for the continued employment of the Executive as Senior Vice President
and General Counsel ("GC") and the Executive is willing to commit himself to
serve the Company and the Board, on the terms and conditions provided herein.

                  In order to effect the foregoing, the Company and the
Executive wish to enter into an employment agreement (the "Agreement") on the
terms and conditions set forth below. Accordingly, in consideration of the
premises and respective covenants and agreements of the parties herein
contained, and intending to be legally bound hereby, the parties hereto agree as
follows:

                  1.  EMPLOYMENT.  From and after the Effective Date, the
Company hereby agrees, subject to the approval of the Board, to employ the
Executive, and the Executive agrees to serve the Company, on the terms and
conditions set forth herein.

                  2. TERM. The term of this Agreement shall commence as of the
date hereof and shall continue for one (1) year. Upon the expiration of the
initial one (1) year term, this Agreement shall be automatically renewed for
successive periods of one (1) year each, unless, not later than ninety (90) days
prior to the end of the initial term or any renewal term, the Company shall have
given notice to Executive or the Executive shall have given notice to the
Company that either of them does not wish to extend this Agreement. The first
one (1) year renewal period shall commence on the first day immediately
following the conclusion of the initial one (1) year term.

                  3. POSITION AND DUTIES. The Executive shall serve at the
pleasure and direction of the Board as the GC of the Company and shall have such
responsibilities, duties and authority reasonably accorded to and expected of a
GC with the Executive's skills, knowledge and background. The Executive shall
devote substantial but not exclusive attention to the affairs of the Company as
the Executive's duties may reasonably require, it being understood that the
Executive has an employment agreement with NBC Financial, Inc., a wholly-owned
indirect subsidiary of the Company, and is involved with unrelated businesses
and will be devoting substantial attention to such other entities as well; and
provided, further, however, that nothing herein shall preclude the Executive
from making and managing personal investments or serving in any capacity with
any civic, educational or charitable organization, so long as such activities do
not interfere with the performance of his duties hereunder.

                  4.       PLACE OF PERFORMANCE.  The Executive shall continue
to be based at the principal executive offices of the Company in the city of San
Antonio, State of Texas.

                  5.  COMPENSATION AND RELATED MATTERS.

                           5.1      SALARY.  During the term of the employment
set forth in Section 2 hereof, the Company shall pay to the Executive an annual
base salary of Ninety Thousand Dollars ($90,000.00) such salary to be paid in
substantially equal semi-monthly installments. Compensation of the Executive by
salary payments shall not be deemed exclusive and shall not prevent the
Executive from participating in any other compensations, tax benefit or other
benefit plans of the Company.

                           5.2  EXPENSES.  During the term of the Executive's
employment hereunder, the Executive shall be entitled to receive prompt
reimbursement of all reasonable and customary expenses incurred by the Executive
in performing services hereunder, including all travel, living and/or office
expenses while away from home or business at the request of and in the service
of the Company, provided that such expenses are incurred and accounted for in
accordance with the policies and procedures established by the Company.

                           5.3  OTHER BENEFITS.  It is agreed that the benefits
that the Executive and members of his

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<PAGE>

immediate family shall receive shall be generally those available to the
executive officers of the Company (including without limitation such retirement
plans, incentive compensation plans, medical plans, service plans, life
insurance plans and disability plans as the Company from time to time
maintains). The Company and the Executive will agree upon discretionary bonus
and stock incentive plans based upon performance. The parties agree that these
benefits shall continue for so long as the Executive continues to serve the
Company.

                           5.4  VESTING OF OPTIONS.  The Executive was
previously granted Twenty Thousand (20,000) options exercisable at $13.25 per
share (the "Options") as of June 25, 1997 pursuant to the 1995 Stock Plan, as
restated and amended (the "Plan"). The Plan provides, among other things, that
the Compensation Committee may accelerate the vesting of any options granted
under the Plan. At a meeting on April 17, 2000, the Compensation Committee (a)
accelerated the vesting schedule in respect of the Options and fully vested such
Options with the Executive, and (b) extended the expiration date in respect of
the Options until two (2) years after termination of the employment of the
Executive. In addition, at the same meeting, the Compensation Committee granted
an additional Three Thousand Five Hundred (3,500) options under the Plan at the
then current market price of the common stock of the Company which shall vest
according to the Plan.

                           5.5  VACATIONS.  The Executive shall be entitled to
no less than four (4) weeks paid vacation per year during the initial term of
the Agreement (and no less than four (4) weeks paid vacation per year during
each renewal term), and to compensation in respect of earned but unused vacation
days, determined in accordance with the Company's then current vacation policy.
The Executive shall also be entitled to all paid holidays and personal days
given by the Company for its executives.

                           5.4  SERVICE FURNISHED.  The Company shall furnish
the Executive with office space, stenographic assistance and such other
facilities as shall be suitable to the Executive's position and adequate for the
performance of his duties as set forth in Section 3 hereof.

                  6.  TERMINATION.  The Executive's employment hereunder may be
terminated without breach of this Agreement only under the following
circumstances:

                           6.1  DEATH.  The Executive's employment hereunder
shall terminate upon his death.

                           6.2  DISABILITY.  If, as a result of the Executive's
incapacity due to physical or mental illness, the Executive shall have been
absent from his duties hereunder for the entire period of four (4) consecutive
months, and within thirty (30) days after written Notice of Termination (as
defined in Section 6.5 hereof is given (which may occur before or after the end
of such four (4) month period, but which shall not be effective prior to the end
of such three (3) month period)), the Executive shall not have returned to the
performance of his duties hereunder, the Company may terminate the Executive's
employment hereunder.

                           6.3  CAUSE.  The Company may terminate the
Executive's employment hereunder for Cause (as defined herein). For purposes of
this Agreement, the Company shall have "Cause" to terminate the Executive's
employment hereunder for (i) the Executive's negligence in the performance or
intentional nonperformance (continuing for ten (10) days after receipt of
written notice of need to cure) of any of the Executive's responsibilities to
the Company hereunder, (ii) the Executive's willful commission of any criminal
act of fraud with respect to the Company or which may affect the reputation of
the Company adversely, (iii) the Executive's willful dishonesty, (iv) the
Executive's willful gross misconduct, or (v) the Executive's willful violation
of a material condition of his employment by the Company (continuing for ten
(10) days after receipt of written notice of need to cure).

                           6.4  TERMINATION BY THE EXECUTIVE.  This Agreement
may be terminated by the Executive should the Company fail to observe or perform
any of the provisions of this Agreement required to be observed or performed by
the Company. The Executive shall give the Company written notice of the breaches
or failure on the Company's part and the Company shall have thirty (30) days
within which to cure such violation. Any violation cured within this thirty (30)
day period shall be as though it had never existed. Any violation that continues
to exist at the end of the thirty (30) day period shall, at the Executive's
option, give rise to the termination of this Agreement except as otherwise
provided herein.

                           6.5      Any termination of the Executive's
employment by the Company or by the Executive (other than termination pursuant
to Section 6.1 hereof) shall be communicated by written Notice of Termination to
the other party hereto in accordance with Section 11 hereof. For purposes of
this Agreement, a "Notice of Termination" shall mean a notice which shall
indicate the specific termination provision of this Agreement relied upon and
shall set forth in reasonable detail the facts and circumstances claimed to
provide a basis for termination of the Executive's employment under the
provisions so indicated.

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<PAGE>

                           6.6      "Date of Termination" shall mean (i) if the
Executive's employment is terminated by his death, the date of his death, (ii)
if the Executive's employment is terminated pursuant to Section 6.2 above,
thirty (30) days after Notice of Termination is given and effective (provided
that the Executive shall not have returned to the performance of his duties
during such thirty (30) day period), (iii) if the Executive's employment is
terminated pursuant to Section 6.3 above, the date specified in the Notice of
Termination, and (iv) if the Executive's employment is terminated for any other
reason, the date on which a Notice of Termination is received.

                  7.  COMPENSATION UPON TERMINATION; CHANGE IN CONTROL;
OR DURING DISABILITY.

                           7.1      During any period that the Executive fails
to perform his duties hereunder as a result of incapacity due to physical or
mental illness, the Executive shall continue to receive his full salary at the
rate then in effect for such period until his employment is terminated pursuant
to Section 6.2 hereof (a "Disability Termination"); and, after such Disability
Termination, the Company shall pay the Executive one hundred percent (100%) of
the salary he would have otherwise received under Section 5 hereof for the
partial term remaining in the then current term of this Agreement plus an
additional amount calculated pursuant to Section 7.4.2, and payment so made to
the Executive shall be in addition to, and not in lieu of, any disability
benefits payable under policies or programs maintained by the Company.

                           7.2      If the Executive's employment is terminated
by his death, the Company shall pay any amounts due to the Executive under
Section 5 through the date of his death, and the Company shall thereafter pay
his legal representative or any beneficiary designated by him in writing one
hundred percent (100%) of the salary he would have otherwise received under
Section 5 hereof for the partial term remaining in the current term of this
Agreement plus an additional amount calculated pursuant to Section 7.4.2 hereof.
Any payment under this Section 7.2 shall be in addition to, and not in lieu of,
any periodic payments of death benefits payable under policies or programs
maintained by the Company.

                           7.3      If the Executive's employment shall be
terminated by the Company for Cause or by the Executive other than pursuant to
Section 6.4, the Company shall pay the amounts due under Section 5 through Date
of Termination.

                           7.4      If (i) the Executive's employment is
terminated by the Company for any reason other than for Cause, (ii) the Company
elects not to renew this Agreement pursuant to Section 2 hereof, (iii) the
Executive shall terminate his employment pursuant to Section 6.4 hereof, or (iv)
if there is Change in Control (as defined below) then the Company shall pay to
the Executive the following:

                                    7.4.1   any and all amounts due under
Section 5.1 through the Date of Termination; and

                                    7.4.2   the greater of (a) the amount of
salary the Executive is to receive under Section 5 hereof for the partial term
remaining until the next anniversary of the Effective Date, (b) six (6) month
salary at the rate then in effect for such period, or (c) any severance payable
under the then current policy of the Company. This amount shall be paid as a
lump sum to the Executive within thirty (30) days of the termination of his
employment.

                           7.5      For purposes of this Agreement,
"Change of Control" shall mean (a) the stockholders of the Company approve the
disposition, whether by sale, merger, consolidation, etc. of all or
substantially all of the Company's assets and such transaction occurs; (b) a
change of more than fifty percent (50%) in beneficial ownership (as defined in
Rule 13d-3 under Section 13(d)(3) of the Securities Exchange Act of 1934, as
amended) of the voting common stock of the Company; (c) a contested proxy
solicitation of Company shareholders that results in the contesting party
obtaining the ability to cast twenty five percent (25%) or more of the votes
entitled to be cast in electing directors of the Company; (d) the stockholders
of the Company approve a consolidation or merger of the Company with another
entity (other than with any of the Company's subsidiaries), the consummation of
which would result in the shareholders of the Company immediately before the
occurrence of the consolidation or merger owning, in the aggregate, less than
forty percent (40%) of the voting stock of the surviving entity, and such
consolidation or merger occurs; or (e) Jay H. Lustig ceases to be Chairman of
the Board of the Company.

                  8. INDEMNIFICATION. To the full extent authorized or permitted
by the laws of the State of Texas as from time to time in effect, the Company
shall hold harmless and indemnify the Executive against any and all judgments,
penalties (including excise and similar taxes), fines, settlements and
reasonable expenses (including, but not limited to attorney's fees), incurred in
connection with any actual or threatened action or proceeding, whether civil or
criminal, to which the Executive is made or is threatened to be made a party by
reason of the fact that the Executive then is or was a director or officer of
the Company or then serves or has served any other corporation, partnership,
joint venture, trust, employment benefit plan or other enterprise in any
capacity at the request of the Company. To the fullest extent so permitted, the
foregoing shall in any actual or threatened proceeding require the Company to
advance expenses on behalf of

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<PAGE>

the Executive as said expenses are incurred. The Company also agrees to maintain
a director's and officers' liability insurance policy covering the Executive to
the extent the Company provides such coverage for its other executive officers.
Notwithstanding any other provision of this Agreement, the provisions of this
Paragraph 8 shall survive any termination or expiration of this Agreement.

                  9. CONFIDENTIAL INFORMATION. The Executive recognizes that as
a key employee of the Company, the Executive has and will continue to occupy a
position of trust with respect to business information of a secret or
confidential nature which is or will become the property of the Company or any
of its subsidiaries or affiliates and which has been or will be used by or
imparted to the Executive from time to time in the course of the Executive's
duties. The Executive therefore agrees that for so long as any such information
of a secret or confidential nature shall remain confidential or otherwise remain
wholly or partially protected, either during the course of the Executive's
employment or thereafter, the Executive will not at any time use, divulge,
furnish or make accessible to any person outside of the Company (or any
subsidiaries or affiliates thereof) any such information. Notwithstanding the
foregoing, if any such confidential information is required to be disclosed by
an order issued by a court of competent jurisdiction, then the Executive may
disclose such information (under such circumstances, the Executive will use his
best efforts for such information to be placed under seal with the Court).

                  10. BINDING AGREEMENT. This Agreement and all rights of the
Executive hereunder shall inure to the benefit of and be enforceable by the
Executive's personal or legal representatives, executors, administrators,
successors, heirs, distributees, devisees and legatees. If the Executive should
die while any amounts would still be payable to him hereunder if he continued to
live, all such amounts, unless otherwise provided herein, shall be paid in
accordance with the terms of this Agreement to the Executive's designated
beneficiary set forth in a written beneficiary designation filed with the
Company or, if there be no such designated beneficiary, to the Executive's
estate.

                  11. NOTICES. For purposes of this Agreement, notices, demands,
requests and all other communications provided for in this Agreement shall be in
writing and shall be deemed to have been given when delivered or (unless
otherwise specified) mailed by United States certified or registered mail,
return receipt requested, postage prepaid addressed as follows:

                  If to the Executive:

                  National Bancshares Corporation of Texas
                  12400 Highway 281 North

                  San Antonio, TX  78216
                  Attention:  Morris D. Weiss

                  If to the Company:

                  National Bancshares Corporation of Texas
                  12400 Highway 281 North

                  San Antonio, TX  78216
                  Attention: Mr. Marvin E. Melson

or to such other address as any party may have furnished to the other in writing
in accordance herewith, except that notices of change of address shall be
effective only upon receipt.

                  12. MISCELLANEOUS. No provisions of this Agreement may be
modified, waived or discharged unless such waiver, modification or discharge is
agreed to in writing signed by the Executive and such officer of the Company as
may be specifically designated by the Board. No waiver by either party hereto at
any time of any breach by the other party hereto of, or compliance with, any
condition or provisions of this Agreement to be performed by such other party
shall be deemed a waiver of similar or dissimilar provisions or conditions at
the same time or at any prior or subsequent time. The validity, interpretation,
construction and performance of this Agreement shall be governed by the laws of
the State of Texas without regard to its conflicts of law principles. The
paragraph headings contained in this Agreement are for reference purposes only
and shall not affect in any way the meaning or interpretation of this Agreement.

                  13.  VALIDITY.  The invalidity or unenforceability of any
provision or provisions of this Agreement shall not effect the validity or
enforceability of any other provisions of this Agreement, which shall remain in
full force and effect.

                  14. COUNTERPARTS.  This Agreement may be executed in one or
more counterparts, each of which shall be deemed to be an original, but all of
which taken together shall constitute one and the same instrument.

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<PAGE>

                  15. ARBITRATION. Any dispute or controversy arising under or
in connection with this Agreement shall be settled exclusively by arbitration,
conducted before a panel of three (3) arbitrators in San Antonio, Texas in
accordance with the rules of the American Arbitration Association then in
effect. The arbitrators do not have the authority to add to, detract from or
modify any provisions hereof. The arbitrators do have the authority to order
reinstatement and/or back-pay in the event the arbitrators determine that the
Executive was not terminated for Cause, as defined in Section 6.3 hereof. Each
party shall have an opportunity to present evidence on the issues in dispute
before the arbitrator and each party may be represented by legal counsel. A
decision by a majority of the arbitration panel shall be final and binding.
Judgment may be entered on the arbitrators' award in any court having
jurisdiction. The arbitrators shall decide which party will bear the expenses of
such arbitration (including attorneys' fees).

                  16. ENTIRE AGREEMENT. This Agreement sets forth the entire
agreement of the parties hereto in respect of the subject matter contained
herein and supersedes all other prior agreements, promises, covenants,
arrangements, communications, representations or warranties whether oral or
written, by any officer, employee or representative of any party hereto; and any
prior agreement of the parties hereto in respect of the subject matter contained
herein is terminated and cancelled.

              IN WITNESS WHEREOF, the parties have executed this Agreement on
the date and year first above written.

National Bancshares Corporation of Texas

By:
   --------------------------
Name: Marvin E. Melson
Title: President

-----------------------------
Morris D. Weiss
(the "Executive")

                            DUAL EMPLOYMENT AGREEMENT

         This Agreement is entered into by and between NBC Financial,
Inc.(hereinafter referred to as "Company"), National Bancshares Corporation of
Texas ("NBC"), and Morris D. Weiss (hereinafter referred to as "Executive"), as
of April 7, 2000 (the "Effective Date").

                                    RECITALS

         WHEREAS, Executive is an Executive of NBC;

         WHEREAS, the Company is a licensed introducing broker dealer;

         WHEREAS, the Company desires NBC to make the Executive available to the
Company to assist the Company in performing the functions of the Company, and
NBC is willing to do so on the terms and conditions hereinafter set forth.

         NOW, THEREFORE, in consideration of the mutual promises, conditions and
covenants as hereinafter set forth, the parties hereto agree as follows:

         1. TERM. Subject to the terms and conditions herein contained, the
Company hereby employs Executive, and Executive hereby accepts such employment,
commencing on the date of this Agreement. The term of this Agreement shall
commence as of the date hereof and shall continue for one (1) year. Upon the
expiration of the initial one (1) year term, this Agreement shall be
automatically renewed for successive periods of one (1) year each, unless, not
later than ninety (90) days prior to the end of the initial term or any renewal
term, the Company shall have given notice to Executive or the Executive shall
have given notice to the Company that either of them does not wish to extend
this Agreement. The first one (1) year renewal period shall commence on the
first day immediately following the conclusion of the initial one (1) year term.

                                       85
<PAGE>

         2. POSITION AND DUTIES. During Executive's employment hereunder,
Executive will hold the position of President and/or such other position(s) as
the Company may determine in its sole discretion. The Executive shall devote
substantial but not exclusive attention to the affairs of the Company as the
Executive's duties may reasonably require, it being understood that the
Executive has an employment agreement with National Bancshares Corporation of
Texas, the ultimate corporate parent of the Company, and is involved with
unrelated businesses and will be devoting substantial attention to such other
entities as well; and provided, further, however, that nothing herein shall
preclude the Executive from making and managing personal investments or serving
in any capacity with any civic, educational or charitable organization, so long
as such activities do not interfere with the performance of his duties
hereunder. Executive shall, at all times, comply with the federal securities
acts, the rules, regulations, interpretations and other directives issued by the
National Association of Securities Dealers, and any stock commodity of option
exchange or state or political subdivision with whom the Company or Executive is
registered or licensed. The undersigned Executive has received and carefully
reviewed the Company's Broker Dealer Manual and Policy and Procedures Manual
(collectively, the "Manuals"), designed to assure compliance with applicable
laws, rules and regulations, and shall comply with all the provisions of the
Manuals, including all updates thereto delivered by the Company from time to
time. In addition, Executive shall comply with all applicable written policies
for Executives established from time to time by the Company. Failure to so
comply with the Manuals and any other written policies of the Company in
accordance with this paragraph shall constitute a material breach of this
Agreement. In connection with Executive's employment by the Company, the
Executive shall be provided an office at the San Antonio branch of NBC Bank,
N.A.

         3.       COMPENSATION.

                  For serving as President of the Company, Executive will
receive and the Company hereby agrees to pay Executive compensation at the
annual rate of Thirty Five Thousand Dollars ($35,000.00) per year commencing on
the date of this Agreement. Such compensation shall be paid in substantially
equal semi-monthly installments.

         4. EXPENSES. During the period of the Executive's employment hereunder,
the Executive shall be entitled to receive prompt reimbursement of all
reasonable and customary expenses incurred by the Executive in performing
services hereunder, including all travel (including mileage at the current rate
allowed by the Internal Revenue Service ("IRS")), living and/or office expenses
while away from home or business at the request of and in the service of the
Company, provided that such expenses are incurred and accounted for in
accordance with the policies and procedures established by the Company.

         5.       BENEFITS.  Executive shall continue to be entitled to receive
the benefits offered by NBC and may receive those benefits that are offered to
other senior executives of the Company.

         6.       TERMINATION.  The Executive's employment hereunder may be
terminated without breach of this Agreement only under the following
circumstances:

                  6.1  DEATH.  The Executive's employment hereunder shall
terminate upon his death.

                  6.2 DISABILITY. If, as a result of the Executive's incapacity
due to physical or mental illness, the Executive shall have been absent from his
duties hereunder for the entire period of four (4) consecutive months, and
within thirty (30) days after written Notice of Termination (as defined in
Section 6.5 hereof is given (which may occur before or after the end of such
four (4) month period, but which shall not be effective prior to the end of such
three (3) month period)), the Executive shall not have returned to the
performance of his duties hereunder, the Company may terminate the Executive's
employment hereunder.

                  6.3 CAUSE. The Company may terminate the Executive's
employment hereunder for Cause (as defined herein). For purposes of this
Agreement, the Company shall have "Cause" to terminate the Executive's
employment hereunder for (i) the Executive's negligence in the performance or
intentional nonperformance (continuing for ten (10) days after receipt of
written notice of need to cure) of any of the Executive's responsibilities to
the Company hereunder, (ii) the Executive's willful commission of any criminal
act of fraud with respect to the Company or which may affect the reputation of
the Company adversely, (iii) the Executive's willful dishonesty, (iv) the
Executive's willful gross misconduct, or (v) the Executive's willful violation
of a material condition of his employment by the Company (continuing for ten
(10) days after receipt of written notice of need to cure).

                  6.4 TERMINATION BY THE EXECUTIVE. This Agreement may be
terminated by the Executive should the Company fail to observe or perform any of
the provisions of this Agreement required to be observed or performed by the
Company. The Executive shall give the Company written notice of the breaches or
failure on the Company's part and the Company shall have thirty (30) days within
which to cure such violation. Any violation cured within this thirty (30) day
period shall be as though it had never existed. Any violation that continues to
exist at the end of the thirty (30) day period

                                       86
<PAGE>

shall, at the Executive's option, give rise to the termination of this Agreement
except as otherwise provided herein.

                  6.5 Any termination of the Executive's employment by the
Company or by the Executive (other than termination pursuant to Section 6.1
hereof) shall be communicated by written Notice of Termination to the other
party hereto in accordance with Section 11 hereof. For purposes of this
Agreement, a "Notice of Termination" shall mean a notice which shall indicate
the specific termination provision of this Agreement relied upon and shall set
forth in reasonable detail the facts and circumstances claimed to provide a
basis for termination of the Executive's employment under the provisions so
indicated.

                  6.6 "Date of Termination" shall mean (i) if the Executive's
employment is terminated by his death, the date of his death, (ii) if the
Executive's employment is terminated pursuant to Section 6.2 above, thirty (30)
days after Notice of Termination is given and effective (provided that the
Executive shall not have returned to the performance of his duties during such
thirty (30) day period), (iii) if the Executive's employment is terminated
pursuant to Section 6.3 above, the date specified in the Notice of Termination,
and (iv) if the Executive's employment is terminated for any other reason, the
date on which a Notice of Termination is received.

         7. COMPENSATION UPON TERMINATION; CHANGE IN CONTROL; OR DURING
DISABILITY.

                  7.1 During any period that the Executive fails to perform his
duties hereunder as a result of incapacity due to physical or mental illness,
the Executive shall continue to receive his full salary at the rate then in
effect for such period until his employment is terminated pursuant to Section
6.2 hereof (a "Disability Termination"); and, after such Disability Termination,
the Company shall pay the Executive one hundred percent (100%) of the salary he
would have otherwise received under Section 3 hereof for the partial term
remaining in the then current term of this Agreement plus an additional amount
calculated pursuant to Section 7.4.2, and payment so made to the Executive shall
be in addition to, and not in lieu of, any disability benefits payable under
policies or programs maintained by the Company.

                  7.2 If the Executive's employment is terminated by his death,
the Company shall pay any amounts due to the Executive under Section 3 through
the date of his death, and the Company shall thereafter pay his legal
representative or any beneficiary designated by him in writing one hundred
percent (100%) of the salary he would have otherwise received under Section 3
hereof for the partial term remaining in the current term of this Agreement plus
an additional amount calculated pursuant to Section 7.4.2 hereof. Any payment
under this Section 7.2 shall be in addition to, and not in lieu of, any periodic
payments of death benefits payable under policies or programs maintained by the
Company.

                  7.3 If the Executive's employment shall be terminated by the
Company for Cause or by the Executive other than pursuant to Section 6.4, the
Company shall pay the amounts due under Section 3 through Date of Termination.

                  7.4 If (i) the Executive's employment is terminated by the
Company for any reason other than for Cause, (ii) the Company elects not to
renew this Agreement pursuant to Section 1 hereof, (iii) the Executive shall
terminate his employment pursuant to Section 6.4 hereof, or (iv) if there is
Change in Control (as defined below) then the Company shall pay to the Executive
the following:

                           7.4.1    any and all amounts due under Section 3
through the Date of Termination; and

                           7.4.2    the greater of (a) the amount of salary the
Executive is to receive under Section 3 hereof for the partial term remaining
until the next anniversary of the Effective Date, (b) six (6) month salary at
the rate then in effect for such period, or (c) any severance payable under the
then current policy of the Company or NBC. This amount shall be paid as a lump
sum to the Executive within thirty (30) days of the termination of his
employment.

                  7.5 For purposes of this Agreement, "Change of Control" shall
mean (a) the stockholders of NBC approve the disposition, whether by sale,
merger, consolidation, etc. of all or substantially all of NBC's assets and such
transaction occurs; (b) a change of more than fifty percent (50%) in beneficial
ownership (as defined in Rule 13d-3 under Section 13(d)(3) of the Securities
Exchange Act of 1934, as amended) of the voting common stock of NBC; (c) a
contested proxy solicitation of the shareholders of NBC that results in the
contesting party obtaining the ability to cast twenty five percent (25%) or more
of the votes entitled to be cast in electing directors of NBC; (d) the
stockholders of NBC approve a consolidation or merger of NBC with another entity
(other than with any of NBC's subsidiaries), the consummation of which would
result in the shareholders of NBC immediately before the occurrence of the
consolidation or merger owning, in the aggregate, less than forty percent (40%)
of the voting stock of the surviving entity, and such consolidation or merger
occurs; or (e) Jay H. Lustig ceases to be Chairman of the Board of NBC.

         8. INDEMNIFICATION. To the full extent authorized or permitted by the
laws of the State of Texas as from time

                                       87
<PAGE>

to time in effect, the Company shall hold harmless and indemnify the Executive
against any and all judgments, penalties (including excise and similar taxes),
fines, settlements and reasonable expenses (including, but not limited to
attorney's fees), incurred in connection with any actual or threatened action or
proceeding, whether civil or criminal, to which the Executive is made or is
threatened to be made a party by reason of the fact that the Executive then is
or was a director or officer of the Company or then serves or has served any
other corporation, partnership, joint venture, trust, employment benefit plan or
other enterprise in any capacity at the request of the Company. To the fullest
extent so permitted, the foregoing shall in any actual or threatened proceeding
require the Company to advance expenses on behalf of the Executive as said
expenses are incurred. The Company also agrees to maintain a director's and
officers' liability insurance policy covering the Executive to the extent the
Company provides such coverage for its other executive officers. Notwithstanding
any other provision of this Agreement, the provisions of this Paragraph 8 shall
survive any termination or expiration of this Agreement.

         9. CONFIDENTIAL INFORMATION. The Executive recognizes that as a key
Executive of the Company, the Executive has and will continue to occupy a
position of trust with respect to business information of a secret or
confidential nature which is or will become the property of the Company or any
of its subsidiaries or affiliates and which has been or will be used by or
imparted to the Executive from time to time in the course of the Executive's
duties. The Executive therefore agrees that for so long as any such information
of a secret or confidential nature shall remain confidential or otherwise remain
wholly or partially protected, either during the course of the Executive's
employment or thereafter, the Executive will not at any time use, divulge,
furnish or make accessible to any person outside of the Company (or any
subsidiaries or affiliates thereof) any such information. Notwithstanding the
foregoing, if any such confidential information is required to be disclosed by
an order issued by a court of competent jurisdiction, then the Executive may
disclose such information (under such circumstances, the Executive will use his
best efforts for such information to be placed under seal with the Court).

         10. BINDING AGREEMENT. This Agreement and all rights of the Executive
hereunder shall inure to the benefit of and be enforceable by the Executive's
personal or legal representatives, executors, administrators, successors, heirs,
distributees, devisees and legatees. If the Executive should die while any
amounts would still be payable to him hereunder if he continued to live, all
such amounts, unless otherwise provided herein, shall be paid in accordance with
the terms of this Agreement to the Executive's designated beneficiary set forth
in a written beneficiary designation filed with the Company or, if there be no
such designated beneficiary, to the Executive's estate.

         11. NOTICES. For purposes of this Agreement, notices, demands, requests
and all other communications provided for in this Agreement shall be in writing
and shall be deemed to have been given when delivered or (unless otherwise
specified) mailed by United States certified or registered mail, return receipt
requested, postage prepaid addressed as follows:

                  If to the Executive:

                  NBC Financial, Inc.
                  12400 Highway 281 North
                  San Antonio, TX  78216
                  Attention:  Mr. Morris D. Weiss

                  If to NBC:

                  National Bancshares Corporation of Texas
                  12400 Highway 281 North

                  San Antonio, TX  78216
                  Attention: Mr. Marvin E. Melson

or to such other address as any party may have furnished to the other in writing
in accordance herewith, except that notices of change of address shall be
effective only upon receipt.

         12. MISCELLANEOUS. No provisions of this Agreement may be modified,
waived or discharged unless such waiver, modification or discharge is agreed to
in writing signed by the Executive and such officer of the Company as may be
specifically designated by the Board. No waiver by either party hereto at any
time of any breach by the other party hereto of, or compliance with, any
condition or provisions of this Agreement to be performed by such other party
shall be deemed a waiver of similar or dissimilar provisions or conditions at
the same time or at any prior or subsequent time. The validity, interpretation,
construction and performance of this Agreement shall be governed by the laws of
the State of Texas without regard to its conflicts of law principles. The
paragraph headings contained in this Agreement are for reference purposes only
and shall not affect in any way the meaning or interpretation of this Agreement.

                                       88
<PAGE>

         13.      VALIDITY.  The invalidity or unenforceability of any provision
or provisions of this Agreement shall not effect the validity or enforceability
of any other provisions of this Agreement, which shall remain in full force and
effect.

         14.      COUNTERPARTS.  This Agreement may be executed in one or more
counterparts, each of which shall be deemed to be an original, but all of which
taken together shall constitute one and the same instrument.

         15. ARBITRATION. Any dispute or controversy arising under or in
connection with this Agreement shall be settled exclusively by arbitration,
conducted before a panel of three (3) arbitrators in San Antonio, Texas in
accordance with the rules of the American Arbitration Association then in
effect. The arbitrators do not have the authority to add to, detract from or
modify any provisions hereof. The arbitrators do have the authority to order
reinstatement and/or back-pay in the event the arbitrators determine that the
Executive was not terminated for Cause, as defined in Section 6.3 hereof. Each
party shall have an opportunity to present evidence on the issues in dispute
before the arbitrator and each party may be represented by legal counsel. A
decision by a majority of the arbitration panel shall be final and binding.
Judgment may be entered on the arbitrators' award in any court having
jurisdiction. The arbitrators shall decide which party will bear the expenses of
such arbitration (including attorneys' fees).

         16. ENTIRE AGREEMENT. This Agreement sets forth the entire agreement of
the parties hereto in respect of the subject matter contained herein and
supersedes all other prior agreements, promises, covenants, arrangements,
communications, representations or warranties whether oral or written, by any
officer, Executive or representative of any party hereto; and any prior
agreement of the parties hereto in respect of the subject matter contained
herein is terminated and cancelled.

         17. SEVERABILITY. In the event that any one or more of the provisions
contained in this Agreement or in any other instrument referred to herein,
shall, for any reason, be held to be invalid, illegal or unenforceable in any
respect, then to the maximum extent permitted by law, such invalidity,
illegality or unenforceability shall not affect any other provision of this
Agreement or any other such instrument. If any covenant should be deemed
invalid, illegal or unenforceable because its scope is considered excessive,
such covenant shall be modified so that the scope of the covenant is reduced
only to the minimum extent necessary to render the modified covenant valid,
legal and enforceable. The parties agree that there is separate consideration
for each provision of this Agreement and that all of the provisions of this
Agreement are severable.

         18.      CAPTIONS.  Captions of this Agreement are for convenience and
reference only, and the words contained therein shall in know way be held to
explain, modify, amplify or aid in the interpretation, construction or meaning
of the provisions of this Agreement.

         19.      TIME IS OF THE ESSENCE.  Time is of the essence of this
Agreement, and each covenant and term a condition hereof.

         IN WITNESS WHEREOF, the Company has caused this Agreement to be
executed in its corporate name by one of its corporate officers, and the
Executive has set Executive's hand to this Agreement, as of the day and year
written above.

EXECUTIVE

------------------------------------------------
Name:    Morris D. Weiss

NATIONAL BANCSHARES CORPORATION OF TEXAS,

on behalf of its wholly-owned subsidiary
NBT SECURITIES HOLDINGS, INC.

on behalf of its wholly-owned subsidiary
NBC FINANCIAL, INC.

By:
   ----------------------------------------------
Name:    Marvin E. Melson
Title:   President

                                       89

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