First National Bancshares, Inc.

FIRST NATIONAL BANK OF EDMOND

for banking, financial and insurance services;

N FIRST NATIONAL

Banking and financial services, namely, commercial and individual checking and savings accounts; providing bank account information by telephone; automated teller machine banking; mortgage lending services; commercial lending services for small business and corporations; commercial and individual mortgage lending; commercial lending for use in the acquisition, development and construction of real estate; home equity loans; credit card services; investment services; namely, investment brokerage and investment advice; credit card services; and safety box services;FIRST NATIONAL;

N FIRST NATIONAL BANK OF THE SOUTH

Banking and financial services, namely, mortgage lending, commercial loans, mortgage refinancing, wire transfer services, issuing travelers checks, consumer lending Internet banking; small business (SBA) loans, construction loans, consumer checking, commercial checking, consumer and commercial savings, certificates of deposit and IRAs;FIRST NATIONAL BANK OF THE SOUTH;