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  <p  align="center"><font size="2" face="Times New Roman">As filed with the Securities and Exchange Commission on September 14, 2006</font></p>
  <p  align=right>
  <font size="2" face="Times New Roman"><b>Registration No. 333-_____</b></font></p>
  
  <hr size="4" width="100%" noshade color=black>
  
  
  <p  align="center">
  <font size="5" face="Times New Roman"><b>UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> </b></font>
  <font size="3"><b>Washington, D.C. 20549</b></font></p>
  <p  align="center">
  <font size="5" face="Times New Roman"><b>FORM S-8</b></font></p>
  <p  align="center">
  <font size="3" face="Times New Roman"><b>REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933</b></font></p>
  <table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">
  
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    <td width="100%" valign="top">
    <p  align="center">
  <font size="6" face="Times New Roman"><b>SUMMIT   BANCSHARES, INC.</b></font></p>  </td>
   </tr>
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    <p  align="center">
  <font size="1" face="Times New Roman"><b>(Exact name of registrant as specified in its charter)</b></font></p>  </td>
   </tr>
  </table>
  
  <br>
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    <p  align="center">
  <font size="2" face="Times New Roman"><b>Texas</b></font></p>  </td>
    <td width="2%" valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td width="49%" valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman"><b>75-1694807</b></font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="1" face="Times New Roman"><b>(State or other jurisdiction of incorporation or   organization)</b></font></p>  </td>
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    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p  align="center">
  <font size="1" face="Times New Roman"><b>(I.R.S. Employer Identification No.)</b></font></p>  </td>
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    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
   </tr>
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    <td  valign="top">
    <p  align="center"><font size="2" face="Times New Roman"><b>3880 Hulen Street, Fort Worth,   Texas</b></font></p>  </td>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman"><b>76107</b></font></p>  </td>
   </tr>
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    <td  valign="top">
    <p  align="center">
  <font size="1" face="Times New Roman"><b>(Address of Principal Executive Offices)</b></font></p>  </td>
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    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p  align="center">
  <font size="1" face="Times New Roman"><b>(Zip Code)</b></font></p>  </td>
   </tr>
  </table>
  
  <br>
  <table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">
  
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    <td width="100%" valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman"><b>2006   Long-Term Incentive Plan</b></font></p>  </td>
   </tr>
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    <td  valign="top">
    <p  align="center">
  <font size="1" face="Times New Roman"><b>(Full title of the plan)</b></font></p>  </td>
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    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
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    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman"><b>Bob G. Scott<br>   Executive Vice President and   Chief Operating Officer<br>Summit Bancshares, Inc.<br>   3880 Hulen Street, Fort Worth,   Texas 76107</b></font></p>  </td>
   </tr>
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    <td  valign="top">
    <p  align="center">
  <font size="1" face="Times New Roman"><b>(Name and address of agent for service)</b></font></p>  </td>
   </tr>
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    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
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    <p  align="center">
  <font size="2" face="Times New Roman"><b>(817)   336-6817</b></font></p>  </td>
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    <td  valign="top">
    <p  align="center">
  <font size="1" face="Times New Roman"><b>(Telephone number, including area code, of agent for   service)</b></font></p>  </td>
   </tr>
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    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size="2" face="Times New Roman"><b>CALCULATION OF REGISTRATION FEE</b></font></p>  </td>
   </tr>
  </table>
  
  <br>
  <table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">
  
   <tr valign="bottom">
    <td width="32%">
    <p align=center>
      <b><font size="1" face="Times New Roman">Title of securities <br>
      to be registered</font></b></p>  </td>
    <td width="2%">
    <p style="margin-left:1em; text-indent:-1em"><b><font size=1 face="Times New Roman">&nbsp;</font></b></p> </td>
    <td width="15%">
    <p  align="center">
      <b><font size="1" face="Times New Roman">Amount to be<br>
      registered</font></b></p>  </td>
    <td width="2%">
    <p  align="center"><b><font size=1 face="Times New Roman">&nbsp;</font></b></p> </td>
    <td width="15%">
    <p  align="center">
      <b><font size="1" face="Times New Roman">Proposed maximum<br>
      offering price<br>
      per share</font></b></p>  </td>
    <td width="2%">
    <p  align="center"><b><font size=1 face="Times New Roman">&nbsp;</font></b></p> </td>
    <td width="15%">
    <p  align="center">
      <b><font size="1" face="Times New Roman">Proposed maximum<br>
      aggregate offering price</font></b></p>  </td>
    <td width="2%">
    <p  align="center"><b><font size=1 face="Times New Roman">&nbsp;</font></b></p> </td>
    <td width="15%">
    <p  align="center">
      <b><font size="1" face="Times New Roman">Amount of <br>
      registration fee</font></b></p>  </td>
   </tr>
   <tr>
     <td  valign="top"><hr size="1" width="100%" noshade color=black></td>
     <td  valign="top">&nbsp;</td>
     <td  valign="top"><hr size="1" width="100%" noshade color=black></td>
     <td  valign="top">&nbsp;</td>
     <td  valign="top"><hr size="1" width="100%" noshade color=black></td>
     <td  valign="top">&nbsp;</td>
     <td  valign="top"><hr size="1" width="100%" noshade color=black></td>
     <td  valign="top">&nbsp;</td>
     <td  valign="top"><hr size="1" width="100%" noshade color=black></td>
   </tr>
   <tr>
    <td  valign="top">
    <p align=center>
  <font size="2" face="Times New Roman">Common Stock, $1.25 par   value per share</font></p>  </td>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">1,250,000 (1)</font></p>  </td>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">$28.23 (2)</font></p>  </td>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">$35,287,500 (2)</font></p>  </td>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">$3,775.76 (2)</font></p>  </td>
   </tr>
  </table>
  
  <br>
  <table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">
  
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    <td colspan="2"  valign="top">
   <hr size="1" align="left" width="25%" noshade color=black></td>
    </tr>
   <tr>
    <td width="5%" valign="top">
    <p>
  <font size="2" face="Times New Roman">(1)</font></p>  </td>
    <td width="95%" valign="top">
    <p>
  <font size="2" face="Times New Roman">Pursuant to Rule 416 under the Securities
  Act, this registration statement shall, unless otherwise expressly provided, be
  deemed to cover the additional securities that may be (i) offered, issued, or
  sold in connection with any provision(s) of the employee benefit plan(s)
  described herein that provide for a change in the amount of securities being
  offered, issued, or sold to prevent dilution resulting from stock splits, stock
  dividends, or similar or other transactions or (ii) issuable or issued as a
  result of a split of, or a stock dividend on, the registered securities prior to
  completion of the distribution of the securities covered by this registration
  statement.</font></p> </td>
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   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">(2)</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Estimated solely for the purpose of
  computing the registration fee based on and in reliance upon paragraphs (c) and
  (h) of Rule 457 under the Securities Act of 1933, as amended, and $28.23, the
  average of the high and low prices of the common stock reported in the Nasdaq
  National Market as of September 11, 2006.</font></p> </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
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    <td  colspan="2" valign="top">
    <hr size="4" width="100%" noshade color=black>
  
    </td>
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  </table>
  
  
  <div style="page-break-before:always"></div>
  <PAGE>
  <br>
  
  
  <p  align="center"><font size="2" face="Times New Roman"><b>PART I</b></font></p>
  <p  align="center">
  <font size="2" face="Times New Roman"><b>INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS</b></font></p>
  <p>
  <font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The document(s) containing the information specified in Part I of Form S-8 will be sent or given to employees as specified by Rule 428(b)(1) under the Securities Act of 1933, as amended.&#160; Such documents need not be filed with the Commission either as part of this registration statement or as prospectuses or prospectus supplements pursuant to Rule 424 under the Securities Act of 1933, as amended.</font></p>
  <p  align="center">
  <font size="2" face="Times New Roman"><b>PART II</b></font></p>
  <p  align="center">
  <font size="2" face="Times New Roman"><b>INFORMATION REQUIRED IN THE REGISTRATION STATEMENT</b></font></p>
  <p>
  <font size="2" face="Times New Roman"><b>Item 3.&nbsp;&nbsp;Incorporation of Documents by Reference.</b></font></p>
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    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  colspan="2" valign="top">
    <p>
  <font size="2" face="Times New Roman">The documents listed in (a)   through (c) below are incorporated by reference in this registration   statement:</font></p>  </td>
   </tr>
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    <td width="5%" valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td width="5%" valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td width="90%" valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">(a)</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">The registrant&#146;s latest annual report filed pursuant   to Section 13(a) or 15(d) of the Exchange Act;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">(b)</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">All other reports filed pursuant to Section 13(a) or   15(d) of the Exchange Act since the end of the fiscal year covered by the   registrant document referred to in (a) above; and</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">(c)</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">If the class of securities to be offered is   registered under Section 12 of the Exchange Act, the description of such   class of securities contained in a registration statement filed under such   Act, including any amendment or report filed for the purpose of updated such   description.</font></p>  </td>
   </tr>
  </table>
  
  <p>
  <font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;All documents subsequently filed by the registrant pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Securities Exchange Act of 1934, as amended, prior to the filing of a post-effective amendment which indicates that all securities offered have been sold or which deregisters all securities then remaining unsold, shall be deemed to be incorporated by reference in this registration statement and to be part hereof from the date of filing of such documents.&#160; Any statement contained herein or in any document incorporated or deemed to be incorporated by reference herein shall be deemed to be modified or superseded for purposes of this registration statement to the extent that a statement contained herein (or in any other subsequently filed document which also is incorporated or deemed to be incorporated by reference herein) modifies or supersedes such statement.&#160; Any such statement so modified or
  
  superseded shall not be deemed to constitute a part of this registration statement, except as so modified or superseded.</font></p>
  
  <p><font size="2" face="Times New Roman"><b>Item 4.&nbsp;&nbsp;Description of Securities.</b></font></p>
  <p>
  <font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not Applicable</font></p>
  <p>
  <font size="2" face="Times New Roman"><b>Item 5.&nbsp;&nbsp;Interests of Named Experts and Counsel.</b></font></p>
  <p>
  <font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not Applicable&#160; </font></p>
  <p>
  <font size="2" face="Times New Roman"><b>Item 6.&nbsp;&nbsp;Indemnification of Directors and Officers.</b></font></p>
  <p>
  <font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Article 2.02-1 of the Texas Business Corporation Act generally permits the registrant, in certain circumstances, to indemnify any present or former director, officer, employee, or agent of the registrant against judgments, penalties (including excise and similar taxes), fines, settlements, and reasonable expenses actually incurred by the person in connection with a proceeding in which such person was, is, or is threatened to be made a named defendant or respondent in a proceeding because such person is or was a director, officer, employee, or agent of the registrant, but only to a limited extent in respect of a proceeding in which such person is found liable on the basis that personal benefit was improperly received by such person, whether or not the benefit resulted from an action taken in such person&#146;s official capacity, or in which such person is found liable to the
  registrant.&#160;&#160;&#160;&#160;&#160;&#160;&#160; </font></p>
  
  <div style="page-break-before:always"></div>
  <PAGE>
  <br>
  
  <p>
  <font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Article 2.02-1 of the Texas Business Corporation Act generally also permits the registrant to pay or reimburse reasonable expenses incurred by such persons in advance of the final disposition of the proceeding and to purchase and maintain insurance or other arrangements on behalf of such persons against liability asserted against and incurred by such persons whether or not the registrant would have the power to indemnify such persons against that liability under Article 2.02-1 of the Texas Business Corporation Act. </font></p>
  <p>
  <font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Article 9 of the Restated Articles of Incorporation of the registrant provides as follows:</font></p>
  
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   <tr>
    <td width="5%" valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td width="95%" valign="top">
    <p>
  <font size="2" face="Times New Roman">
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#147;The
  corporation shall indemnify to the fullest extent permitted by law any person
  who is made a named defendant or respondent in any action, suit or proceeding,
  whether civil, criminal, administrative, arbitrative or investigative, or in any
  appeal in such an action, suit or proceeding, by reason of the fact that he or
  she is or was a director, advisory director or officer of the corporation,
  against all expenses (including attorneys&#146; fees), judgments, fines and
  amounts paid in settlement actually and reasonably incurred by such director,
  advisory director or officer in connection with any such action, suit or
  proceeding. The corporation may indemnify other persons, as permitted by
  law.&#160; The corporation shall pay or reimburse expenses to directors,
  advisory directors and officers and may pay or reimburse expenses to other
  persons, as permitted by law. The corporation may purchase establish any form of
  self-insurance, secure its indemnity obligation by grant of a security interest
  or other lien on the assets of the corporation, establish a letter of credit,
  guaranty or surety arrangement, or other arrangement on behalf of directors,
  advisory directors, officers or other persons, against any liability asserted
  against such persons in their capacities as directors, advisory directors,
  officers or otherwise, of the corporation, whether or not the corporation would
  have the power to indemnify such directors, advisory directors, officers or
  other persons against such liability, as permitted by law.&#148;</font></p>
  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Bylaw 7.07 of the Amended and Restated Bylaws of the   registrant provides as follows:</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">
  &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&#147;The
  corporation shall indemnify to the full extent permitted by law any person who
  is made a named defendant or respondent in any action, suit or proceeding,
  whether civil, criminal, administrative, arbitrative or investigative, or in any
  appeal in such an action, suit or proceeding, by reason of the fact that he or
  she is or was a director, advisory director or officer of the corporation,
  against all expenses (including attorneys&#146; fees), judgments, fines and
  amounts paid in settlement actually and reasonably incurred by such director,
  advisory director or officer in connection with any such action, suit or
  proceeding. The corporation shall pay or reimburse expenses to directors,
  advisory directors and officers, and may pay or reimburse expenses to other
  persons, as permitted by law. The corporation may purchase and maintain
  insurance, create a trust fund, establish any form of self-insurance, secure its
  indemnity obligation by grant of a security interest or other lien on the assets
  of the corporation, establish a letter of credit, guaranty or surety
  arrangement, or other arrangement on behalf of directors, advisory directors,
  officers or other persons, against any liability asserted against such persons
  in their capacities as directors, advisory directors, officers or otherwise, of
  the corporation, whether or not the corporation would have the power to
  indemnify such directors, advisory directors, officers or other persons against
  such liability, as permitted by law.&#148;</font></p> </td>
   </tr>
  </table>
  
  <p>
  <font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The registrant had purchased and maintains insurance on behalf of the directors and certain officers of the registrant.</font></p>
  
  <p><font size="2" face="Times New Roman"><b>Item 7.&nbsp;&nbsp;Exemption from Registration Claimed.</b></font></p>
  <p>
  <font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Not Applicable</font></p>
  
  <div style="page-break-before:always"></div>
  <PAGE>
  <br>
  
  <p>
  <font size="2" face="Times New Roman"><b>Item 8.&nbsp;&nbsp;Exhibits.</b></font></p>
  <table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">
  
   <tr>
    <td width="7%" valign="top">
    <p  align="center">
  <font size="1" face="Times New Roman"><b>Exhibit<br>   No.</b></font></p>  </td>
    <td width="3%" valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td width="90%" valign="bottom">
    <p>
  <font size="1" face="Times New Roman"><b>Description of Exhibit</b></font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">4.1</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Restated Articles of Incorporation of Summit   Bancshares, Inc. (incorporated herein by reference from Exhibit 3(a) to the   Annual Report on Form 10-K of Summit Bancshares, Inc. for the fiscal year   ended December 31, 1998)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">4.2</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Amended and Restated Bylaws of Summit Bancshares, Inc.   (incorporated herein by reference from Exhibit 3(b) to the Annual Report on   Form 10-K of Summit Bancshares, Inc. for the fiscal year ended December 31,   2002)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">4.3</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Amendment to the Amended and Restated Bylaws of   Summit Bancshares, Inc. (incorporated herein by reference from Exhibit 99.1   to the Current Report on Form 8-K filed on February 22, 2005 by Summit   Bancshares, Inc.)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">4.4</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Rights Agreement dated April 17, 1990 by and between   Summit Bancshares, Inc. and Summit Bancservices, Inc. (incorporated herein by   reference from Exhibit 1 to the Current Report on Form 8-K dated April 18,   1990 and filed on April 24, 1990 by Summit Bancshares, Inc.)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">4.5</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Amendment No. 1 to Rights Agreement, effective as of   April 16, 2000, by and between Summit Bancshares, Inc. and Summit   Bancservices, Inc. (incorporated herein by reference from Exhibit 4(b) to the   Quarterly Report on Form 10-Q of Summit Bancshares, Inc. for the quarterly   period ended September 30, 2000)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">4.6</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Junior Subordinated Debt Securities Indenture   Agreement dated May 3, 2004 (incorporated herein by reference from Exhibit   4(a) to Quarterly Report on Form 10-Q of Summit Bancshares, Inc. for the   quarterly period ended September 30, 2004)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">4.7</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Junior Subordinated Debt Securities Due 2034 (incorporated   herein by reference from Exhibit 4(b) to the Quarterly Report on Form 10-Q of   Summit Bancshares, Inc. for the quarterly period ended September 30, 2004)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">5.1</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Opinion of Haynes and Boone, LLP (furnished   herewith)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size="2" face="Times New Roman">23.1</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Consent of Haynes and Boone, LLP (included in the   opinion of Haynes and Boone, LLP furnished herewith as Exhibit 5.1)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">23.2</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Consent of Stovall, Grandey &amp; Allen, L.L.P.   independent certified public accountants (furnished herewith)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">24.1</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Power of attorney (included on signature page to   this registration statement)</font></p>  </td>
   </tr>
  
  </table>
  
  <br>
  <table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">
  
   <tr>
    <td width="100%" valign="top">
    <hr size="1"  align="Left" width="25%" noshade color=black>
  
    </td>
   </tr>
  
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The   registrant will submit or has submitted the plan and any amendment thereto to   the Internal Revenue Service (&#147;IRS&#148;) in a timely manner and has made or will   make all changes required by the IRS in order to qualify the plan.</font></p>  </td>
   </tr>
  </table>
  
  
  <div style="page-break-before:always"></div>
  <PAGE>
  <br>
  
  <p>
  <font size="2" face="Times New Roman"><b>Item 9.&nbsp;&nbsp;Undertakings.</b></font></p>
  <table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">
  
   <tr>
    <td width="5%" valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="2" face="Times New Roman">(a)</font></p>  </td>
    <td colspan="3" valign="top">
  
    <p>
    <font size="2" face="Times New Roman">The undersigned registrant hereby undertakes:</font></p></td>
    </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td width="5%"  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td width="5%"  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td width="85%"  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="2" face="Times New Roman">(1)</font></p>  </td>
    <td  colspan="2" valign="top">
    <p>
  <font size="2" face="Times New Roman">To file, during any period in which offers or sales   are being made, a post-effective amendment to this registration statement:</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">(i)</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">To include any prospectus required by Section   10(a)(3) of the Securities Act of 1933;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">(ii)</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">To reflect in the prospectus any facts or events   arising after the effective date of the registration statement (or the most   recent post-effective amendment thereof) which, individually or in the   aggregate, represent a fundamental change in the information set forth in the   registration statement.&#160;   Notwithstanding the foregoing, any increase or decrease in volume of securities   offered (if the total dollar value of securities offered would not exceed   that which was registered) and any deviation from the low or high end of the   estimated maximum offering range may be reflected in the form of prospectus   filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the   changes in volume and price represent no more than a 20% change in the   maximum aggregate offering price set forth in the &#147;Calculation of   Registration Fee&#148; table in the effective registration statement.</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">(iii)</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">To include any material information with respect to   the plan of distribution not previously disclosed in the registration   statement or any material change to such information in the registration   statement;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman"><i>Provided, however</i>,   That paragraphs (a)(1)(i) and (a)(1)(ii) do not apply if the registration   statement is on Form S-3, Form S-8 or Form F-3, and the information required   to be included in a post-effective amendment by those paragraphs is contained   in periodic reports filed with or furnished to the Commission by the   registrant pursuant to section 13 or section 15(d) of the Securities Exchange   Act of 1934 that are incorporated by reference in the registration statement.</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="2" face="Times New Roman">(2)</font></p>  </td>
    <td  colspan="2" valign="top">
    <p>
  <font size="2" face="Times New Roman">That, for the purpose of determining any liability under   the Securities Act of 1933, each such post-effective amendment shall be   deemed to be a new registration statement relating to the securities offered   therein, and the offering of such securities at that time shall be deemed to   be the initial bona fide offering thereof.</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em"><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="2" face="Times New Roman">(3)</font></p>  </td>
    <td  colspan="2" valign="top">
    <p>
  <font size="2" face="Times New Roman">To remove from registration by means of a   post-effective amendment any of the securities being registered which remain   unsold at the termination of the offering.</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="2" face="Times New Roman">(b)</font></p>  </td>
    <td  colspan="3"  valign="top">
    <p>
  <font size="2" face="Times New Roman">The undersigned registrant hereby undertakes that,   for the purposes of determining any liability under the Securities Act of   1933, each filing of the registrant&#146;s annual report pursuant to section 13(a)   or section 15(d) of the Securities Exchange Act of 1934 (and, where   applicable, each filing of an employee benefit plan&#146;s annual report pursuant   to section 15(d) of the Securities Exchange Act of 1934) that is incorporated   by reference in the registration statement shall be deemed to be a new   registration statement relating to the securities offered therein, and the   offering of such securities at that time shall be deemed to be the initial   bona fide offering thereof.</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em"><font size="2" face="Times New Roman">(c)</font></p>  </td>
    <td  colspan="3"  valign="top">
    <p>
  <font size="2" face="Times New Roman">The undersigned registrant hereby undertakes to   deliver or cause to be delivered with the prospectus, to each person to whom   the prospectus is sent or given, the latest annual report to security holders   that is incorporated by reference in the prospectus and furnished pursuant to   and meeting the requirements of Rule 14a-3 or Rule 14c-3 under the Securities   Exchange Act of 1934; and, where interim financial information required to be   presented by Article 3 of Regulation S-X are not set forth in the prospectus,   to deliver, or cause to be delivered to each person to whom the prospectus is   sent or given, the latest quarterly report that is specifically incorporated   by reference in the prospectus to provide such interim financial information.</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p style="margin-left:1em; text-indent:-1em">
  <font size="2" face="Times New Roman">(d)</font></p>  </td>
    <td  colspan="3"  valign="top">
    <p>
  <font size="2" face="Times New Roman">Insofar as indemnification for liabilities arising   under the Securities Act of 1933 may be permitted to directors, officers and   controlling persons of the registrant pursuant to the foregoing provisions,   or otherwise, the registrant has been advised that in the opinion of the   Securities and Exchange Commission such indemnification is against public   policy as expressed in the Act and is, therefore, unenforceable. In the event   that a claim for indemnification against such liabilities (other than the   payment by the registrant of expenses incurred or paid by a director, officer   or controlling person of the registrant in the successful defense of any action,   suit or proceeding) is asserted by such director, officer or controlling   person in connection with the securities being registered, the registrant   will, unless in the opinion of its counsel the matter has been settled by   controlling precedent, submit to a court of appropriate jurisdiction
  the   question whether such indemnification by it is against public policy as   expressed in the Act and will be governed by the final adjudication of such   issue.</font></p>  </td>
   </tr>
  </table>
  
  
  <div style="page-break-before:always"></div>
  <PAGE>
  <br>
  
  <p  align="center"><font size="2" face="Times New Roman"><b>SIGNATURES</b></font></p>
  <p>
  <font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to
  the requirements of the Securities Act of 1933, the registrant certifies that it
  has reasonable grounds to believe that it meets all of the requirements for
  filing on Form S-8 and has duly caused this registration statement to be signed
  on its behalf by the undersigned, thereunto duly authorized, in the City of Fort
  Worth,&#160; State of Texas, on September 14, 2006.</font></p>
  <table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">
  
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  colspan="2" valign="top">
    <p>
  <font size="2" face="Times New Roman">SUMMIT BANCSHARES, INC.</font></p>  </td>
   </tr>
   <tr>
    <td width="60%" valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td width="6%" valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td width="34%" valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">By:</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">/s/&#160; Bob G.   Scott</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
   </tr>
   <tr>
    <td  valign="top">
    <p><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Name:</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Bob G. Scott</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Title:</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Chief Operating Officer</font></p>  </td>
   </tr>
  </table>
  
  <p>
  <font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;KNOW ALL MEN BY THESE PRESENTS, that the undersigned officers and directors of Summit Bancshares, Inc., a Texas corporation, do hereby constitute and appoint Philip E. Norwood and Bob G. Scott and each of them, their true and lawful attorneys-in-fact and agents or attorney-in-fact and agent, with power and authority to do any and all acts and things and to execute any and all instruments which said attorneys and agents, and any one of them, determine may be necessary or advisable or required to enable said corporation to comply with the Securities Act of 1933, as amended, and any rules and regulations or requirements of the Securities and Exchange Commission in connection with this registration statement.&#160; Without limiting the generality of the foregoing power and authority, the powers granted include the full power of substitution and resubstitution, for them and in their name, place and stead, in
  any and all capacities, the power and authority to sign the names of the undersigned officers and directors in the capacities indicated below to this registration statement, to any and all amendments (including any post-effective amendments) and supplements thereto, and to any and all instruments or documents filed as part or in connection with this registration statement, and each of the undersigned hereby ratifies and confirms all that said attorneys and agents, or any of them, shall do or cause to be done by virtue hereof.&#160; This Power of Attorney may be signed in several counterparts.</font></p>
  <p>
  <font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Pursuant to
  the requirements of the Securities Act of 1933, this registration statement has
  been signed by the following persons in the capacities and on September 14,
  2006.</font></p>
  
  <table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">
  
   <tr>
    <td width="48%" valign="top">
    <p  align="center">
  <font size="1" face="Times New Roman"><b>PERSON</b></font></p>  </td>
    <td width="4%" valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td width="48%" valign="top">
    <p  align="center">
  <font size="1" face="Times New Roman"><b>CAPACITY(IES)</b></font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">/s/&#160; Philip   E. Norwood</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  rowspan="2"  valign="top">
    <p>
  <font size="2" face="Times New Roman">Chairman, President and Chief Executive Officer <br>   (Principal Executive Officer)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Philip E. Norwood</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">/s/&#160; Bob G.   Scott</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  rowspan="3"  valign="top">
    <p>
  <font size="2" face="Times New Roman">Executive Vice President, Chief Operating Officer,<br>   Secretary and Treasurer (Principal Financial Officer and<br>   Principal Accounting Officer)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
    <td  valign="top">
    <p><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Bob G. Scott</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">/s/&#160; Robert   P. Evans</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  rowspan="3"  valign="top">
    <p>
  <font size="2" face="Times New Roman">Director</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Robert P. Evans</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">/s/&#160; Elliott   S. Garsek</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  rowspan="3"  valign="top">
    <p>
  <font size="2" face="Times New Roman">Director</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p><font size="2" face="Times New Roman">Elliott S. Garsek</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">/s/&#160; Ronald   J. Goldman</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  rowspan="3"  valign="top">
    <p>
  <font size="2" face="Times New Roman">Director</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Ronald J. Goldman</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">/s/&#160; F.S.   Gunn</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  rowspan="3"  valign="top">
    <p>
  <font size="2" face="Times New Roman">Director</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">F.S. Gunn</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">/s/&#160; Robert   L. Herchert</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  rowspan="3"  valign="top">
    <p>
  <font size="2" face="Times New Roman">Director</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Robert L. Herchert</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">/s/&#160; Jay J.   Lesok</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  rowspan="3"  valign="top">
    <p>
  <font size="2" face="Times New Roman">Director</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Jay J. Lesok</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  rowspan="3"  valign="top">
    <p>
  <font size="2" face="Times New Roman">Director</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">William W. Meadows</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">/s/&#160; James L.   Murray</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  rowspan="3"  valign="top">
    <p>
  <font size="2" face="Times New Roman">Director</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">James L. Murray</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p><font size="2" face="Times New Roman">/s/&#160; Byron B.   Searcy</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  rowspan="3"  valign="top">
    <p>
  <font size="2" face="Times New Roman">Director</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Byron B. Searcy</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">/s/&#160; Roderick   D. Stepp</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  rowspan="3"  valign="top">
    <p>
  <font size="2" face="Times New Roman">Director</font></p>  </td>
   </tr>
   <tr>
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    <hr size="1" width="100%" noshade color=black>
  
    </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Roderick D. Stepp</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
  </table>
  
  
  <div style="page-break-before:always"></div>
  <PAGE>
  <br>
  
  <p  align="center">
  <font size="2" face="Times New Roman"><b>EXHIBIT INDEX</b></font></p>
  <table align="center"  border="0" style="border-collapse:collapse" cellspacing="0"  cellpadding="0"  width="100%">
  
   <tr>
    <td width="7%" valign="top">
    <p  align="center"><font size="1" face="Times New Roman"><b>Exhibit <br>   No.</b></font></p>  </td>
    <td width="3%" valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td width="90%" valign="bottom">
    <p>
  <font size="1" face="Times New Roman"><b>Description of Exhibit</b></font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <hr size="1" width="100%" noshade color=black>
  
    </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">4.1</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Restated Articles of Incorporation of Summit   Bancshares, Inc. (incorporated herein by reference from Exhibit 3(a) to the   Annual Report on Form 10-K of Summit Bancshares, Inc. for the fiscal year   ended December 31, 1998)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">4.2</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Amended and Restated Bylaws of Summit Bancshares,   Inc. (incorporated herein by reference from Exhibit 3(b) to the Annual Report   on Form 10-K of Summit Bancshares, Inc. for the fiscal year ended December   31, 2002)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">4.3</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Amendment to the Amended and Restated Bylaws of   Summit Bancshares, Inc. (incorporated herein by reference from Exhibit 99.1   to the Current Report on Form 8-K filed on February 22, 2005 by Summit   Bancshares, Inc.)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">4.4</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Rights Agreement dated April 17, 1990 by and between   Summit Bancshares, Inc. and Summit Bancservices, Inc. (incorporated herein by   reference from Exhibit 1 to the Current Report on Form 8-K dated April 18,   1990 and filed on April 24, 1990 by Summit Bancshares, Inc.)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">4.5</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Amendment No. 1 to Rights Agreement, effective as of   April 16, 2000, by and between Summit Bancshares, Inc. and Summit   Bancservices, Inc. (incorporated herein by reference from Exhibit 4(b) to the   Quarterly Report on Form 10-Q of Summit Bancshares, Inc. for the quarterly   period ended September 30, 2000)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">4.6</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Junior Subordinated Debt Securities Indenture   Agreement dated May 3, 2004 (incorporated herein by reference from Exhibit   4(a) to Quarterly Report on Form 10-Q of Summit Bancshares, Inc. for the   quarterly period ended September 30, 2004)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p><font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">4.7</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Junior Subordinated Debt Securities Due 2034   (incorporated herein by reference from Exhibit 4(b) to the Quarterly Report   on Form 10-Q of Summit Bancshares, Inc. for the quarterly period ended   September 30, 2004)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">5.1</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Opinion of Haynes and Boone, LLP (furnished   herewith)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">23.1</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Consent of Haynes and Boone, LLP (included in the   opinion of Haynes and Boone, LLP furnished herewith as Exhibit 5.1)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size="2" face="Times New Roman">23.2</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Consent of Stovall, Grandey &amp; Allen, L.L.P.   independent certified public accountants (furnished herewith)</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center"><font size=1 face="Times New Roman">&nbsp;</font></p> </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
   </tr>
   <tr>
    <td  valign="top">
    <p  align="center">
  <font size="2" face="Times New Roman">24.1</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="1" face="Times New Roman">&nbsp;</font></p>  </td>
    <td  valign="top">
    <p>
  <font size="2" face="Times New Roman">Power of attorney (included on signature page to   this registration statement)</font></p>  </td>
   </tr>
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     <td  valign="top">&nbsp;</td>
     <td  valign="top">&nbsp;</td>
     <td  valign="top">&nbsp;</td>
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  <font size="2" face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;The   registrant will submit or has submitted the plan and any amendment thereto to   the Internal Revenue Service (&#147;IRS&#148;) in a timely manner and has made or will   make all changes required by the IRS in order to qualify the plan.</font></p>  </td>
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metadata_documents: [{"type": "S-8", "sequence": "1", "filename": "sb107051.htm", "description": "FORM S-8", "secsgml_size_bytes": 73241}]
metadata_filer: {"company-data": {"conformed-name": "SUMMIT BANCSHARES INC /TX/", "cik": "0000745344", "assigned-sic": "6021", "irs-number": "751694807", "state-of-incorporation": "TX", "fiscal-year-end": "0218"}, "filing-values": {"form-type": "S-8", "act": "33", "file-number": "333-137310", "film-number": "061090074"}, "business-address": {"street1": "1300 SUMMIT AVE", "city": "FORT WORTH", "state": "TX", "zip": "76102", "phone": "8173368383"}, "mail-address": {"street1": "1300 SUMMIT AVENUE", "city": "FORT WORTH", "state": "TX", "zip": "76102"}}
text: As filed with the Securities and Exchange Commission on September 14, 2006
  Registration No. 333-_____
  UNITED STATES
  SECURITIES AND EXCHANGE COMMISSION
  Washington, D.C. 20549
  FORM S-8
  REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933
  SUMMIT   BANCSHARES, INC.
  (Exact name of registrant as specified in its charter)
  Texas
  75-1694807
  (State or other jurisdiction of incorporation or   organization)
  (I.R.S. Employer Identification No.)
  3880 Hulen Street, Fort Worth,   Texas
  76107
  (Address of Principal Executive Offices)
  (Zip Code)
  2006   Long-Term Incentive Plan
  (Full title of the plan)
  Bob G. Scott
  Executive Vice President and   Chief Operating Officer
  Summit Bancshares, Inc.
  3880 Hulen Street, Fort Worth,   Texas 76107
  (Name and address of agent for service)
  (817)   336-6817
  (Telephone number, including area code, of agent for   service)
  CALCULATION OF REGISTRATION FEE
  Title of securities
  to be registered
  Amount to be
  registered
  Proposed maximum
  offering price
  per share
  Proposed maximum
  aggregate offering price
  Amount of
  registration fee
  Common Stock, $1.25 par   value per share
  1,250,000 (1)
  $28.23 (2)
  $35,287,500 (2)
  $3,775.76 (2)
  (1)
  Pursuant to Rule 416 under the Securities
  Act, this registration statement shall, unless otherwise expressly provided, be
  deemed to cover the additional securities that may be (i) offered, issued, or
  sold in connection with any provision(s) of the employee benefit plan(s)
  described herein that provide for a change in the amount of securities being
  offered, issued, or sold to prevent dilution resulting from stock splits, stock
  dividends, or similar or other transactions or (ii) issuable or issued as a
  result of a split of, or a stock dividend on, the registered securities prior to
  completion of the distribution of the securities covered by this registration
  statement.
  (2)
  Estimated solely for the purpose of
  computing the registration fee based on and in reliance upon paragraphs (c) and
  (h) of Rule 457 under the Securities Act of 1933, as amended, and $28.23, the
  average of the high and low prices of the common stock reported in the Nasdaq
  National Market as of September 11, 2006.
  PART I
  INFORMATION REQUIRED IN THE SECTION 10(a) PROSPECTUS
  The document(s) containing the information specified in Part I of Form S-8 will be sent or given to employees as specified by Rule 428(b)(1) under the Securities Act of 1933, as amended.  Such documents need not be filed with the Commission either as part of this registration statement or as prospectuses or prospectus supplements pursuant to Rule 424 under the Securities Act of 1933, as amended.
  PART II
  INFORMATION REQUIRED IN THE REGISTRATION STATEMENT
  Item 3.  Incorporation of Documents by Reference.
  The documents listed in (a)   through (c) below are incorporated by reference in this registration   statement:
  (a)
  The registrant's latest annual report filed pursuant   to Section 13(a) or 15(d) of the Exchange Act;
  (b)
  All other reports filed pursuant to Section 13(a) or   15(d) of the Exchange Act since the end of the fiscal year covered by the   registrant document referred to in (a) above; and
  (c)
  If the class of securities to be offered is   registered under Section 12 of the Exchange Act, the description of such   class of securities contained in a registration statement filed under such   Act, including any amendment or report filed for the purpose of updated such   description.
  All documents subsequently filed by the registrant pursuant to Sections 13(a), 13(c), 14 and 15(d) of the Securities Exchange Act of 1934, as amended, prior to the filing of a post-effective amendment which indicates that all securities offered have been sold or which deregisters all securities then remaining unsold, shall be deemed to be incorporated by reference in this registration statement and to be part hereof from the date of filing of such documents.  Any statement contained herein or in any document incorporated or deemed to be incorporated by reference herein shall be deemed to be modified or superseded for purposes of this registration statement to the extent that a statement contained herein (or in any other subsequently filed document which also is incorporated or deemed to be incorporated by reference herein) modifies or supersedes such statement.  Any such statement so modified or
  
  superseded shall not be deemed to constitute a part of this registration statement, except as so modified or superseded.
  Item 4.  Description of Securities.
  Not Applicable
  Item 5.  Interests of Named Experts and Counsel.
  Not Applicable
  Item 6.  Indemnification of Directors and Officers.
  Article 2.02-1 of the Texas Business Corporation Act generally permits the registrant, in certain circumstances, to indemnify any present or former director, officer, employee, or agent of the registrant against judgments, penalties (including excise and similar taxes), fines, settlements, and reasonable expenses actually incurred by the person in connection with a proceeding in which such person was, is, or is threatened to be made a named defendant or respondent in a proceeding because such person is or was a director, officer, employee, or agent of the registrant, but only to a limited extent in respect of a proceeding in which such person is found liable on the basis that personal benefit was improperly received by such person, whether or not the benefit resulted from an action taken in such person's official capacity, or in which such person is found liable to the
  registrant.
  Article 2.02-1 of the Texas Business Corporation Act generally also permits the registrant to pay or reimburse reasonable expenses incurred by such persons in advance of the final disposition of the proceeding and to purchase and maintain insurance or other arrangements on behalf of such persons against liability asserted against and incurred by such persons whether or not the registrant would have the power to indemnify such persons against that liability under Article 2.02-1 of the Texas Business Corporation Act.
  Article 9 of the Restated Articles of Incorporation of the registrant provides as follows:
  "The
  corporation shall indemnify to the fullest extent permitted by law any person
  who is made a named defendant or respondent in any action, suit or proceeding,
  whether civil, criminal, administrative, arbitrative or investigative, or in any
  appeal in such an action, suit or proceeding, by reason of the fact that he or
  she is or was a director, advisory director or officer of the corporation,
  against all expenses (including attorneys' fees), judgments, fines and
  amounts paid in settlement actually and reasonably incurred by such director,
  advisory director or officer in connection with any such action, suit or
  proceeding. The corporation may indemnify other persons, as permitted by
  law.  The corporation shall pay or reimburse expenses to directors,
  advisory directors and officers and may pay or reimburse expenses to other
  persons, as permitted by law. The corporation may purchase establish any form of
  self-insurance, secure its indemnity obligation by grant of a security interest
  or other lien on the assets of the corporation, establish a letter of credit,
  guaranty or surety arrangement, or other arrangement on behalf of directors,
  advisory directors, officers or other persons, against any liability asserted
  against such persons in their capacities as directors, advisory directors,
  officers or otherwise, of the corporation, whether or not the corporation would
  have the power to indemnify such directors, advisory directors, officers or
  other persons against such liability, as permitted by law."
  Bylaw 7.07 of the Amended and Restated Bylaws of the   registrant provides as follows:
  "The
  corporation shall indemnify to the full extent permitted by law any person who
  is made a named defendant or respondent in any action, suit or proceeding,
  whether civil, criminal, administrative, arbitrative or investigative, or in any
  appeal in such an action, suit or proceeding, by reason of the fact that he or
  she is or was a director, advisory director or officer of the corporation,
  against all expenses (including attorneys' fees), judgments, fines and
  amounts paid in settlement actually and reasonably incurred by such director,
  advisory director or officer in connection with any such action, suit or
  proceeding. The corporation shall pay or reimburse expenses to directors,
  advisory directors and officers, and may pay or reimburse expenses to other
  persons, as permitted by law. The corporation may purchase and maintain
  insurance, create a trust fund, establish any form of self-insurance, secure its
  indemnity obligation by grant of a security interest or other lien on the assets
  of the corporation, establish a letter of credit, guaranty or surety
  arrangement, or other arrangement on behalf of directors, advisory directors,
  officers or other persons, against any liability asserted against such persons
  in their capacities as directors, advisory directors, officers or otherwise, of
  the corporation, whether or not the corporation would have the power to
  indemnify such directors, advisory directors, officers or other persons against
  such liability, as permitted by law."
  The registrant had purchased and maintains insurance on behalf of the directors and certain officers of the registrant.
  Item 7.  Exemption from Registration Claimed.
  Not Applicable
  Item 8.  Exhibits.
  Exhibit
  No.
  Description of Exhibit
  4.1
  Restated Articles of Incorporation of Summit   Bancshares, Inc. (incorporated herein by reference from Exhibit 3(a) to the   Annual Report on Form 10-K of Summit Bancshares, Inc. for the fiscal year   ended December 31, 1998)
  4.2
  Amended and Restated Bylaws of Summit Bancshares, Inc.   (incorporated herein by reference from Exhibit 3(b) to the Annual Report on   Form 10-K of Summit Bancshares, Inc. for the fiscal year ended December 31,   2002)
  4.3
  Amendment to the Amended and Restated Bylaws of   Summit Bancshares, Inc. (incorporated herein by reference from Exhibit 99.1   to the Current Report on Form 8-K filed on February 22, 2005 by Summit   Bancshares, Inc.)
  4.4
  Rights Agreement dated April 17, 1990 by and between   Summit Bancshares, Inc. and Summit Bancservices, Inc. (incorporated herein by   reference from Exhibit 1 to the Current Report on Form 8-K dated April 18,   1990 and filed on April 24, 1990 by Summit Bancshares, Inc.)
  4.5
  Amendment No. 1 to Rights Agreement, effective as of   April 16, 2000, by and between Summit Bancshares, Inc. and Summit   Bancservices, Inc. (incorporated herein by reference from Exhibit 4(b) to the   Quarterly Report on Form 10-Q of Summit Bancshares, Inc. for the quarterly   period ended September 30, 2000)
  4.6
  Junior Subordinated Debt Securities Indenture   Agreement dated May 3, 2004 (incorporated herein by reference from Exhibit   4(a) to Quarterly Report on Form 10-Q of Summit Bancshares, Inc. for the   quarterly period ended September 30, 2004)
  4.7
  Junior Subordinated Debt Securities Due 2034 (incorporated   herein by reference from Exhibit 4(b) to the Quarterly Report on Form 10-Q of   Summit Bancshares, Inc. for the quarterly period ended September 30, 2004)
  5.1
  Opinion of Haynes and Boone, LLP (furnished   herewith)
  23.1
  Consent of Haynes and Boone, LLP (included in the   opinion of Haynes and Boone, LLP furnished herewith as Exhibit 5.1)
  23.2
  Consent of Stovall, Grandey & Allen, L.L.P.   independent certified public accountants (furnished herewith)
  24.1
  Power of attorney (included on signature page to   this registration statement)
  The   registrant will submit or has submitted the plan and any amendment thereto to   the Internal Revenue Service ("IRS") in a timely manner and has made or will   make all changes required by the IRS in order to qualify the plan.
  Item 9.  Undertakings.
  (a)
  The undersigned registrant hereby undertakes:
  (1)
  To file, during any period in which offers or sales   are being made, a post-effective amendment to this registration statement:
  (i)
  To include any prospectus required by Section   10(a)(3) of the Securities Act of 1933;
  (ii)
  To reflect in the prospectus any facts or events   arising after the effective date of the registration statement (or the most   recent post-effective amendment thereof) which, individually or in the   aggregate, represent a fundamental change in the information set forth in the   registration statement.    Notwithstanding the foregoing, any increase or decrease in volume of securities   offered (if the total dollar value of securities offered would not exceed   that which was registered) and any deviation from the low or high end of the   estimated maximum offering range may be reflected in the form of prospectus   filed with the Commission pursuant to Rule 424(b) if, in the aggregate, the   changes in volume and price represent no more than a 20% change in the   maximum aggregate offering price set forth in the "Calculation of   Registration Fee" table in the effective registration statement.
  (iii)
  To include any material information with respect to   the plan of distribution not previously disclosed in the registration   statement or any material change to such information in the registration   statement;
  Provided, however
  ,   That paragraphs (a)(1)(i) and (a)(1)(ii) do not apply if the registration   statement is on Form S-3, Form S-8 or Form F-3, and the information required   to be included in a post-effective amendment by those paragraphs is contained   in periodic reports filed with or furnished to the Commission by the   registrant pursuant to section 13 or section 15(d) of the Securities Exchange   Act of 1934 that are incorporated by reference in the registration statement.
  (2)
  That, for the purpose of determining any liability under   the Securities Act of 1933, each such post-effective amendment shall be   deemed to be a new registration statement relating to the securities offered   therein, and the offering of such securities at that time shall be deemed to   be the initial bona fide offering thereof.
  (3)
  To remove from registration by means of a   post-effective amendment any of the securities being registered which remain   unsold at the termination of the offering.
  (b)
  The undersigned registrant hereby undertakes that,   for the purposes of determining any liability under the Securities Act of   1933, each filing of the registrant's annual report pursuant to section 13(a)   or section 15(d) of the Securities Exchange Act of 1934 (and, where   applicable, each filing of an employee benefit plan's annual report pursuant   to section 15(d) of the Securities Exchange Act of 1934) that is incorporated   by reference in the registration statement shall be deemed to be a new   registration statement relating to the securities offered therein, and the   offering of such securities at that time shall be deemed to be the initial   bona fide offering thereof.
  (c)
  The undersigned registrant hereby undertakes to   deliver or cause to be delivered with the prospectus, to each person to whom   the prospectus is sent or given, the latest annual report to security holders   that is incorporated by reference in the prospectus and furnished pursuant to   and meeting the requirements of Rule 14a-3 or Rule 14c-3 under the Securities   Exchange Act of 1934; and, where interim financial information required to be   presented by Article 3 of Regulation S-X are not set forth in the prospectus,   to deliver, or cause to be delivered to each person to whom the prospectus is   sent or given, the latest quarterly report that is specifically incorporated   by reference in the prospectus to provide such interim financial information.
  (d)
  Insofar as indemnification for liabilities arising   under the Securities Act of 1933 may be permitted to directors, officers and   controlling persons of the registrant pursuant to the foregoing provisions,   or otherwise, the registrant has been advised that in the opinion of the   Securities and Exchange Commission such indemnification is against public   policy as expressed in the Act and is, therefore, unenforceable. In the event   that a claim for indemnification against such liabilities (other than the   payment by the registrant of expenses incurred or paid by a director, officer   or controlling person of the registrant in the successful defense of any action,   suit or proceeding) is asserted by such director, officer or controlling   person in connection with the securities being registered, the registrant   will, unless in the opinion of its counsel the matter has been settled by   controlling precedent, submit to a court of appropriate jurisdiction
  the   question whether such indemnification by it is against public policy as   expressed in the Act and will be governed by the final adjudication of such   issue.
  SIGNATURES
  Pursuant to
  the requirements of the Securities Act of 1933, the registrant certifies that it
  has reasonable grounds to believe that it meets all of the requirements for
  filing on Form S-8 and has duly caused this registration statement to be signed
  on its behalf by the undersigned, thereunto duly authorized, in the City of Fort
  Worth,  State of Texas, on September 14, 2006.
  SUMMIT BANCSHARES, INC.
  By:
  /s/  Bob G.   Scott
  Name:
  Bob G. Scott
  Title:
  Chief Operating Officer
  KNOW ALL MEN BY THESE PRESENTS, that the undersigned officers and directors of Summit Bancshares, Inc., a Texas corporation, do hereby constitute and appoint Philip E. Norwood and Bob G. Scott and each of them, their true and lawful attorneys-in-fact and agents or attorney-in-fact and agent, with power and authority to do any and all acts and things and to execute any and all instruments which said attorneys and agents, and any one of them, determine may be necessary or advisable or required to enable said corporation to comply with the Securities Act of 1933, as amended, and any rules and regulations or requirements of the Securities and Exchange Commission in connection with this registration statement.  Without limiting the generality of the foregoing power and authority, the powers granted include the full power of substitution and resubstitution, for them and in their name, place and stead, in
  any and all capacities, the power and authority to sign the names of the undersigned officers and directors in the capacities indicated below to this registration statement, to any and all amendments (including any post-effective amendments) and supplements thereto, and to any and all instruments or documents filed as part or in connection with this registration statement, and each of the undersigned hereby ratifies and confirms all that said attorneys and agents, or any of them, shall do or cause to be done by virtue hereof.  This Power of Attorney may be signed in several counterparts.
  Pursuant to
  the requirements of the Securities Act of 1933, this registration statement has
  been signed by the following persons in the capacities and on September 14,
  2006.
  PERSON
  CAPACITY(IES)
  /s/  Philip   E. Norwood
  Chairman, President and Chief Executive Officer
  (Principal Executive Officer)
  Philip E. Norwood
  /s/  Bob G.   Scott
  Executive Vice President, Chief Operating Officer,
  Secretary and Treasurer (Principal Financial Officer and
  Principal Accounting Officer)
  Bob G. Scott
  /s/  Robert   P. Evans
  Director
  Robert P. Evans
  /s/  Elliott   S. Garsek
  Director
  Elliott S. Garsek
  /s/  Ronald   J. Goldman
  Director
  Ronald J. Goldman
  /s/  F.S.   Gunn
  Director
  F.S. Gunn
  /s/  Robert   L. Herchert
  Director
  Robert L. Herchert
  /s/  Jay J.   Lesok
  Director
  Jay J. Lesok
  Director
  William W. Meadows
  /s/  James L.   Murray
  Director
  James L. Murray
  /s/  Byron B.   Searcy
  Director
  Byron B. Searcy
  /s/  Roderick   D. Stepp
  Director
  Roderick D. Stepp
  EXHIBIT INDEX
  Exhibit
  No.
  Description of Exhibit
  4.1
  Restated Articles of Incorporation of Summit   Bancshares, Inc. (incorporated herein by reference from Exhibit 3(a) to the   Annual Report on Form 10-K of Summit Bancshares, Inc. for the fiscal year   ended December 31, 1998)
  4.2
  Amended and Restated Bylaws of Summit Bancshares,   Inc. (incorporated herein by reference from Exhibit 3(b) to the Annual Report   on Form 10-K of Summit Bancshares, Inc. for the fiscal year ended December   31, 2002)
  4.3
  Amendment to the Amended and Restated Bylaws of   Summit Bancshares, Inc. (incorporated herein by reference from Exhibit 99.1   to the Current Report on Form 8-K filed on February 22, 2005 by Summit   Bancshares, Inc.)
  4.4
  Rights Agreement dated April 17, 1990 by and between   Summit Bancshares, Inc. and Summit Bancservices, Inc. (incorporated herein by   reference from Exhibit 1 to the Current Report on Form 8-K dated April 18,   1990 and filed on April 24, 1990 by Summit Bancshares, Inc.)
  4.5
  Amendment No. 1 to Rights Agreement, effective as of   April 16, 2000, by and between Summit Bancshares, Inc. and Summit   Bancservices, Inc. (incorporated herein by reference from Exhibit 4(b) to the   Quarterly Report on Form 10-Q of Summit Bancshares, Inc. for the quarterly   period ended September 30, 2000)
  4.6
  Junior Subordinated Debt Securities Indenture   Agreement dated May 3, 2004 (incorporated herein by reference from Exhibit   4(a) to Quarterly Report on Form 10-Q of Summit Bancshares, Inc. for the   quarterly period ended September 30, 2004)
  4.7
  Junior Subordinated Debt Securities Due 2034   (incorporated herein by reference from Exhibit 4(b) to the Quarterly Report   on Form 10-Q of Summit Bancshares, Inc. for the quarterly period ended   September 30, 2004)
  5.1
  Opinion of Haynes and Boone, LLP (furnished   herewith)
  23.1
  Consent of Haynes and Boone, LLP (included in the   opinion of Haynes and Boone, LLP furnished herewith as Exhibit 5.1)
  23.2
  Consent of Stovall, Grandey & Allen, L.L.P.   independent certified public accountants (furnished herewith)
  24.1
  Power of attorney (included on signature page to   this registration statement)
  The   registrant will submit or has submitted the plan and any amendment thereto to   the Internal Revenue Service ("IRS") in a timely manner and has made or will   make all changes required by the IRS in order to qualify the plan.