from the desk of
              Pierce Monkres

To Our Valued Customers:

Your satisfaction is our goal and is important to our success. We would appreciate your comments, criticism, complaints or even compliments in order to serve you better.

Please give me a call at (972) 780-7700. You may also reply by Fax: (972) 780-7878, email: pmonkres@bankdesoto.com or by mail: P.O. Box 7777 DeSoto, Texas 75123.

Thank you for your patronage,

J. Pierce Monkres
Chairman of the Board and Chief Executive Officer