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<h1 id="DocTitle">2007 Annual Report</h1>
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<option value="2">Banks and Locations</option>
<option value="3">Customers First</option>
<option value="4">Financial Highlights</option>
<option value="6">Letter to Shareholders</option>
<option value="8">Abilene - Clyde - Moran - Albany</option>
<option value="9">Dr. Molly Graham</option>
<option value="10">Cleburne - Burleson - Alvarado - Midlothian</option>
<option value="11">John Ed and Mary King</option>
<option value="12">Eastland - Ranger - Rising Star</option>
<option value="13">Hereford</option>
<option value="14">Mineral Wells</option>
<option value="15">San Angelo</option>
<option value="16">Joe McCombs</option>
<option value="17">Southlake - Trophy Club - Keller - Bridgeport - Boyd - Decatur</option>
<option value="18">Phil & Vicki Nivens</option>
<option value="19">Stephenville - Granbury - Glen Rose - Acton</option>
<option value="20">Richard Gaona</option>
<option value="21">Sweetwater - Roby - Trent</option>
<option value="22">Dr. Timothy Huggins</option>
<option value="23">Weatherford - Aledo - Willow Park - Brock</option>
<option value="24">Trust Company</option>
<option value="25">Board of Directors</option>
<option value="26">Walter F. Johnson Award</option>
<option value="27">Corporate Information</option>
<option value="28">Back Cover</option>
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