September 21, 2004

Mr. Derk Harmsen

President

Harmsen Construction Co., Inc.

2820 Center Street

Deer Park, Texas 77536

Dear Derk:

It has always been a pleasure serving your financial and banking requirements.  Partners Bank of Texas anticipates continuing our banking relationship for many years to come.

A summary of your current corporate banking relationship here at Partners Bank of Texas is as follows;

Depository accounts are maintained in a satisfactory manner with current average aggregate ledger balances of a Moderate Six figure.

A Low Seven figure line of credit has been extended for your working capital requirements.  Currently, the line remains unfunded for the full Low Seven figure accommodation.

All past relationships and transactions with Partners Bank of Texas have been handled in an exemplary manner.

Thank you for you continuing support.  Should you need any further information, Please call on me.

Sincerely,

Larry W. Harris

Senior Vice President