Summit Bancshares Inc.

Summit Bancshares Inc. is listed on NASDAQ (SBIT). Summit Bancshares, Inc. was incorporated under the laws of the state of Texas in 1979. The Corporation is a bank holding company registered under the Bank Holding Company Act of 1956, as amended (the BHC Act), and became a financial holding company under the Gramm-Leach-Bliley Act (the GLB Act) in February 2002. The Corporation maintains its principal executive offices at 3880 Hulen Street, Suite 300, Fort Worth, Texas 76107. At December 31, 2004, the Corporation had consolidated total assets of $989.1 million, consolidated total loans of $702.6 million, consolidated total deposits of $792.3 million and consolidated total shareholders' equity of $74.5 million. The Corporation's principal activity is the ownership and management of its direct and indirect wholly-owned subsidiaries, Summit Delaware Financial Corporation, Summit Bank, National Association and SIA Insurance Agency, Inc. (SIA).

Summit Bank Corporation

Summit Bank Corporation is listed on NASDAQ (SBGA). Summit Bank Corporation operates as the holding company for the Summit National Bank that provides various banking services in the United States. The bank accepts various deposit products, including checking accounts, NOW accounts, savings accounts, money market accounts, individual retirement accounts, solicit accounts, and longer-term certificates of deposits. It offers commercial, financial, and agricultural loans; construction and mortgage real estate loans; and consumer loans. In addition, it provides various domestic services, including 24-hour multilingual telephone banking, Internet banking, cash management services, investment sweep accounts, safe deposit boxes, travelers checks, direct deposit of payroll and social security checks, as well as automatic drafts for various accounts.

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