Document:

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                                EXHIBIT 10.13

                            AMENDMENT NUMBER THREE
                                      TO
                       TEXAS REGIONAL BANCSHARES, INC.
              AMENDED AND RESTATED EMPLOYEE STOCK OWNERSHIP PLAN
                           (WITH 401(K) PROVISIONS)

            Texas Regional Bancshares, Inc., a corporation organized and
operating under the laws of the State of Texas, and registered as a bank holding
company under the Bank Holding Company Act of 1956, as amended (the "Company"),
together with the Trustees of the Texas Regional Bancshares, Inc. Amended and
Restated Employee Stock Ownership Plan (with 401(k) Provisions) adopt the
following amendments to the Plan effective as of March 12, 2002.

            WHEREAS, the Company has established and maintains the Texas
Regional Bancshares, Inc. Amended and Restated Employee Stock Ownership Plan
(with 401(k) Provisions) (the "Plan"); and

            WHEREAS, effective as of February 1, 2002, Texas State Bank acquired
the data processing contracts or agreements, computer systems and other assets
related to the data processing business of Frost National Bank located at 975
William D. Tate, Grapevine, Texas (the "Grapevine Data Center Business"), and,
as a part of the acquisition of the Grapevine Data Center Business, the Company
and its subsidiaries have become the employer of certain of Frost National
Bank's former employees that were employed in the Grapevine Data Center
Business; and

            WHEREAS, the Company and Riverway Holdings, Inc. entered into an
Agreement and Plan of Reorganization, pursuant to which, effective as of
February 22, 2002, Riverway Holdings, Inc. and its wholly owned subsidiary
Riverway Holdings of Delaware, Inc. merged with and into Texas Regional
Delaware, Inc., and Riverway Bank merged with and into Texas State Bank, and, as
a part of those mergers, the Company and its subsidiaries have become the
employer of the employees of the former Riverway Holdings, Inc. and its
subsidiaries; and

            WHEREAS, it is the desire of the Company and its wholly owned
subsidiary, Texas State Bank, that eligible former employees of Riverway
Bancshares, Inc., Riverway Holdings of Delaware, Inc. and Riverway Bank, as a
result of becoming employees of the Company and Texas State Bank pursuant to the
mergers, and that eligible former employees of the Grapevine Data Center
Business, also as a result of becoming eligible employees of Texas State Bank
pursuant to the acquisition of the Grapevine Data Center Business, be entitled
to participate in the Plan; and

            WHEREAS, the Board of Directors desires to coordinate and
consolidate the employee benefit programs available to all employees of the
Company and its subsidiaries;

            NOW THEREFORE, IT IS HEREBY AGREED THAT the Plan is hereby amended
effective as of March 12, 2002 as follows:

      1. AMENDMENT RELATED TO DEFINITION OF "SERVICE." The definition of
"Service" in Section 2.65 of the Plan (as originally stated in the Plan and as
the same may have been previously amended) is hereby deleted and substituted
therefor is the following language:

            "2.65 "Service" means employment with (i) the Company, (ii) a
      Participating Employer, (iii) Mid Valley Bank, as predecessor to the
      Company's subsidiary, Texas State Bank (with respect to those Employee
      participants that were formerly participants in the Mid Valley Bank
      Employees' Pension Plan), (iv) First National Bank of South Texas (with
      respect to those Employees who were employed by First National Bank of
      South Texas as employees of the Rio Grande City and Roma branch bank
      facilities of First National Bank of South Texas as of the time of
      acquisition of such branch bank facilities by Texas State Bank), (v) First
      State Bank & Trust Co. and The Border Bank (with respect to those
      Employees who were employed by First State Bank & Trust Co. or The Border
      Bank as employees of such banks as of the time of the merger of such banks
      with and into Texas State Bank), (vi) Brownsville National Bank, Texas
      Bank & Trust and Bank of Texas (with respect to those Employees who were
      employed by Brownsville National Bank, Texas Bank & Trust or Bank of Texas
      as of the time of the merger of such banks with and into Texas State
      Bank), (vii) Harlingen Bancshares, Inc., HN Bancshares of Delaware, Inc.
      and/or Harlingen National Bank (with respect to those individuals who are
      Employees as of October 1, 1999 and who were employed by Harlingen
      Bancshares, Inc., HN Bancshares of Delaware, Inc. and/or Harlingen
      National Bank as of August 15th, 1999), (viii) Frost National Bank and
      Overton Park Bank (with respect to those individuals who are Employees as
      of March 12, 2002 and who were employed in connection with the data
      processing business of Frost National Bank located at 975 William D. Tate,
      Grapevine, Texas as of the date of acquisition of that business by Texas
      State Bank), and/or (ix) Riverway Holdings, Inc., Riverway Holdings of
      Delaware, Inc. and/or Riverway Bank (with respect to those individuals who
      are Employees as of March 12, 2002 and who were employed by Riverway
      Holdings, Inc., Riverway Holdings of Delaware, Inc. and/or Riverway Bank
      as of the time of merger of Riverway Holdings, Inc. with and into Texas
      Regional Delaware, Inc.)."

<PAGE>

      2. AMENDMENT TO DEFINITION OF "YEARS OF SERVICE." The last paragraph in
the definition of "Years of Service" in Section 2.76 of the Plan (as originally
stated in the Plan and as the same may have been previously amended) is hereby
deleted and substituted therefor is the following language:

            "Years of Service with (a) the Employer, (b) an Affiliated Employer,
      (c) Mid Valley Bank, as predecessor to the Employer's subsidiary, Texas
      State Bank (with respect to those Employee participants that were formerly
      participants in the Mid Valley Bank Employees' Pension Plan), (d) First
      National Bank of South Texas (with respect to those Employees who were
      employed by First National Bank of South Texas as employees of the Rio
      Grande City and Roma branch bank facilities of First National Bank of
      South Texas as of the time of acquisition of such branch bank facilities
      by Texas State Bank), (e) First State Bank & Trust Co. and The Border Bank
      (with respect to those Employees who were employed by First State Bank &
      Trust Co. or The Border Bank as employees of such banks as of the time of
      the merger of such banks with and into Texas State Bank), (f) Brownsville
      National Bank, Texas Bank & Trust and Bank of Texas (with respect to those
      Employees who were employed by Brownsville National Bank, Texas Bank &
      Trust or Bank of Texas as of the time of the merger of such banks with and
      into Texas State Bank), (g) Harlingen Bancshares, Inc., HN Bancshares of
      Delaware, Inc. and/or Harlingen National Bank (with respect to those
      individuals who are Employees as of October 1, 1999 and who were employed
      by Harlingen Bancshares, Inc., HN Bancshares of Delaware, Inc. and/or
      Harlingen National Bank as of August 15, 1999) will be recognized, (h)
      Frost National Bank and Overton Park Bank (with respect to those
      individuals who are Employees as of March 12, 2002 and who were employed
      in connection with the data processing business of Frost National Bank
      located at 975 William D. Tate, Grapevine, Texas as of the date of
      acquisition of that business by Texas State Bank), and/or (i) Riverway
      Holdings, Inc., Riverway Holdings of Delaware, Inc. and/or Riverway Bank
      (with respect to those individuals who are Employees as of March 12, 2002
      and who were employed by Riverway Holdings, Inc., Riverway Holdings of
      Delaware, Inc. and/or Riverway Bank as of the time of merger of Riverway
      Holdings, Inc. with and into Texas Regional Delaware, Inc.)."

      3. PARTICIPANTS. As a result of the amendments to the Plan pursuant to
sections 1 and 2 of this Amendment, persons who were employees of Frost National
Bank in the Grapevine Data Center Business as of the date of acquisition of that
business by Texas State Bank, and persons who were employees of Riverway
Holdings, Inc., Riverway Holdings of Delaware, Inc. and/or Riverway Bank as of
the time of merger of Riverway Holdings, Inc. with and into Texas Regional
Delaware, Inc. will become Participants (as that term is defined in the Plan) as
of the date that such persons become employees of the Company and/or Texas State
Bank as provided in sections 1 and 2, without regard to the requirement of entry
on January 1st or July 1st subsequent to their initial dates of service,
provided that they are otherwise qualified to be Participants as set forth in
the Plan. The Plan is hereby further amended to provide that such persons become
Participants immediately upon commencement of employment by the Company and/or
Texas State Bank, without regard to the requirement of entry on January 1st or
July 1st subsequent to their initial dates of service, provided that they are
otherwise qualified under the Plan. Notwithstanding the foregoing, each such
employee shall only be credited (pursuant to and in accordance with the rules
set forth in the Plan) with the amount of compensation paid by the Company
and/or Texas State Bank, and shall not be credited with any part of such
employee's compensation paid by Frost National Bank, Overton Park Bank, Riverway
Holdings, Inc., Riverway Holdings of Delaware, Inc. or Riverway Bank for
purposes of determining allocations of Employer Contributions and Forfeitures
and for all other purposes.

      4. DEFINITIONS. Defined terms used herein and not otherwise defined herein
shall have the meanings assigned to them in the Plan.

      IN WITNESS WHEREOF, this Third Amendment to the Texas Regional Bancshares,
Inc. Amended and Restated Employee Stock Ownership Plan (with 401(k) Provisions)
has been executed this 12th day of March, 2002 to be effective as of the dates
provided above.

                                       TEXAS REGIONAL BANCSHARES, INC.

                                       BY: /s/ G.E. RONEY
                                           ----------------------------------
                                               G.E. Roney
                                               Chairman of the Board and
                                               Chief Executive Officer

AGREED TO AND ACCEPTED BY:

/s/ G. E. RONEY
-------------------------------------
Glen E. Roney, Trustee

/s/ MORRIS ATLAS
-------------------------------------
Morris Atlas, Trustee

/s/ FRANK N. BOGGUS
-------------------------------------
Frank N. Boggus, Trustee<PAGE>

                                EXHIBIT 10.14

                            AMENDMENT NUMBER FOUR
                                      TO
                       TEXAS REGIONAL BANCSHARES, INC.
              AMENDED AND RESTATED EMPLOYEE STOCK OWNERSHIP PLAN
                           (WITH 401(K) PROVISIONS)

      Texas Regional Bancshares, Inc., a corporation organized and operating
under the laws of the State of Texas, and registered as a bank holding company
under the Bank Holding Company Act of 1956, as amended (the "Company"), together
with the Trustees of the Texas Regional Bancshares, Inc. Amended and Restated
Employee Stock Ownership Plan (with 401(k) Provisions) adopt the following
amendments to the Plan effective as of March 12, 2002.

      WHEREAS, the Company has established and maintains the Texas Regional
Bancshares, Inc. Amended and Restated Employee Stock Ownership Plan (with 401(k)
Provisions) (the "Plan"); and

      WHEREAS, Section 9.5 of the Plan document currently provides that in the
event the participants of the Plan do not provide timely voting directions with
respect to allocated shares of the Company's stock (the "Company Stock") to the
Trustees of the Plan, the Trustees shall vote such Company Stock; and

      WHEREAS, the Company and the Trustees of the Plan have determined that it
is in the best interest of the participants and beneficiaries of the Plan to
amend Section 9.5 of the Plan;

      NOW THEREFORE, IT IS HEREBY AGREED THAT the Plan document will be and is
hereby amended effective as of March 12, 2002 as follows:

      1. Section  9.5 of the Plan  document  shall be and hereby is amended
      in its entirety to state as follows:

      9.5 VOTING COMPANY STOCK

         The Trustee shall vote all Company Stock held by it as part of the Plan
      assets. Provided, however, that if any agreement entered into by the Trust
      provides for voting of any shares of Company Stock pledged as security for
      any obligation of the Plan, then such shares of Company Stock shall be
      voted in accordance with such agreement. If the Trustee does not timely
      receive voting directions from a Participant or Beneficiary with respect
      to any Company Stock allocated to that Participant's or Beneficiary's
      Company Stock Account, such Company Stock shall not be voted.

         Notwithstanding the foregoing, if the Employer has a registration-type
      class of securities, each Participant or Beneficiary shall be entitled to
      direct the Trustee as to the manner in which the Company Stock which is
      entitled to vote and which is allocated to the Company Stock Account of
      such Participant or Beneficiary is to be voted. If the Employer does not
      have a registration-type class of securities, each Participant or
      Beneficiary in the Plan shall be entitled to direct the Trustee as to the
      manner in which voting rights on shares of Company Stock which are
      allocated to the Company Stock Account of such Participant or Beneficiary
      are to be exercised with respect to any corporate matter which involves
      the voting of such shares with respect to the approval or disapproval of
      any corporate merger or consolidation, recapitalization, reclassification,
      liquidation, dissolution, sale of substantially all assets of a trade or
      business, or such similar transaction as prescribed in Regulations. For
      purposes of this Section the term "registration-type class of securities"
      means: (A) a class of securities required to be registered under Section
      12 of the Securities Exchange Act of 1934; and (B) a class of securities
      which would be required to be so registered except for the exemption from
      registration provided in subsection (g)(2)(H) of such Section 12.

         If the Employer does not have a registration-type class of securities
      and the by-laws of the Employer require the Plan to vote an issue in a
      manner that reflects a one-man, one-vote philosophy, each Participant or
      Beneficiary shall be entitled to cast one vote on an issue and the Trustee
      shall vote the shares held by the Plan in proportion to the results of the
      votes cast on the issue by the Participants and Beneficiaries.

      IN WITNESS WHEREOF, this Fourth Amendment to the Texas Regional
Bancshares, Inc. Amended and Restated Employee Stock Ownership Plan (with 401(k)
Provisions) has been executed this 12th day of March, 2002 to be effective as of
the dates provided above.

                                       TEXAS REGIONAL BANCSHARES, INC.

                                       BY: /s/ G.E. RONEY
                                           -----------------------------------
                                               G.E. Roney
                                               Chairman of the Board and
                                               Chief Executive Officer

AGREED TO AND ACCEPTED BY:

/s/ G. E. RONEY
---------------------------------
Glen E. Roney, Trustee

/s/ MORRIS ATLAS
---------------------------------
Morris Atlas, Trustee

/s/ FRANK N. BOGGUS
---------------------------------
Frank N. Boggus, Trustee

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