EXHIBIT 99
           
   THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS

   City National Bank
   1125 Highway 110 North
   Whitehouse, Texas  75791
   Telephone No. (903) 839-6000

                             PROXY

        The undersigned hereby constitutes and appoints ---------
   and  --------------,  or  either  of  them,  proxies  for  the
   undersigned,  with power  of  substitution,  to represent  the
   undersigned and to vote all  of the shares of Common Stock  of
   City  National Bank  (the "Company)  which the  undersigned is
   entitled to vote at the special meeting of shareholders of the
   Company to  be held on  ----------, 1996, and  at any  and all
   adjournments thereof.

   1.   Proposal  to approve  the  Plan and  Agreement of  Merger
        among First Commercial Corporation, Tyler Bank and Trust,
        N.A., Tyler,  Texas and  City National  Bank, Whitehouse,
        Texas dated May 9, 1996.  

         ----- FOR        ----- AGAINST        ------ ABSTAIN

   2.   In their  discretion to  transact such other  business as
        may properly come before the meeting and all adjournments
        thereof.

   THIS  PROXY  WILL  BE VOTED  AS  SPECIFIED.    IF NO  SPECIFIC
   DIRECTIONS  ARE GIVEN, THIS PROXY WILL BE VOTED FOR PROPOSAL 1
   SET FORTH HEREIN.
                                                       
   -------------------------     --------------------------------
         Signature                       NAME: PLEASE PRINT

   -------------------------     --------------------------------
   Signature (if held jointly)        NAME (if joint tenant):
                                          PLEASE PRINT
   Date: -----------------

   Please  sign  exactly  as  name appears  on  the  certificates
   representing shares to be  voted by this proxy.   When signing
   as executor, trustee  or guardian, please  give full title  as
   such.  If a corporation, please sign in full corporate name by
   president  or other  authorized  officer.   If a  partnership,
   please sign in partnership name by authorized persons.
   
   THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS

   Security National Bank
   3000 University Drive
   Nacogdoches, Texas  75963-2018
   Telephone No. (409) 560-2265

                             PROXY

        The undersigned hereby constitutes and appoints ---------
   and  --------------,  or  either  of  them,  proxies  for  the
   undersigned,  with power  of  substitution, to  represent  the
   undersigned and to vote  all of the shares of Common  Stock of
   Security National Bank (the "Company) which the undersigned is
   entitled to vote at the special meeting of shareholders of the
   Company  to be held  on ----------, 1996,  and at  any and all
   adjournments thereof.

   1.   Proposal  to approve  the  Plan and  Agreement of  Merger
        among First Commercial  Corporation, Stone Fort  National
        Bank,  Nacogdoches,  Texas  and Security  National  Bank,
        Nacogdoches, Texas dated June 28, 1996.  

         ----- FOR        ----- AGAINST        ------ ABSTAIN

   2.   In their  discretion to  transact such other  business as
        may properly come before the meeting and all adjournments
        thereof.

   THIS  PROXY  WILL  BE VOTED  AS  SPECIFIED.    IF NO  SPECIFIC
   DIRECTIONS  ARE GIVEN, THIS PROXY WILL BE VOTED FOR PROPOSAL 1
   SET FORTH HEREIN.
                                                       
   -------------------------     --------------------------------
         Signature                       NAME: PLEASE PRINT

   -------------------------     --------------------------------
   Signature (if held jointly)        NAME (if joint tenant):
                                          PLEASE PRINT
   Date: -----------------

   Please  sign  exactly  as  name appears  on  the  certificates
   representing shares to be  voted by this proxy.   When signing
   as executor, trustee  or guardian, please  give full title  as
   such.  If a corporation, please sign in full corporate name by
   president  or other  authorized  officer.   If a  partnership,
   please sign in partnership name by authorized persons.