Exhibit 10.2 [LETTERHEAD OF FERGUSON & COMPANY] December 10, 1999 Board of Directors Community Bank of Central Texas, SSB 312 Main Street Smithville, Texas 78957 Dear Directors: This letter sets forth the agreement between Community Bank of Central...Valuation and Business Plan Agreement • May 9th, 2000 • CBCT Bancshares Inc • Savings institution, federally chartered
