CERTIFICATION


             I ACKNOWLEDGE THAT THIS SECURITY IS NOT A DEPOSIT OR ACCOUNT AND IS
NOT FEDERALLY INSURED, AND IS NOT GUARANTEED BY COMMUNITY BANK OF CENTRAL TEXAS,
ssb, OR BY THE FEDERAL GOVERNMENT.

         If  anyone   asserts  that  this  security  is  federally   insured  or
guaranteed, or is as safe as an insured deposit, I should call the FDIC Regional
Director, [________________________] ([___]) [___-____].

             I further  certify that,  before  purchasing the common stock,  par
value $0.01 per share of CBCT Bancshares, Inc., the proposed holding company for
Community Bank of Central Texas, ssb (the "Bank"), I received a prospectus dated
___________, 2000 (the "Prospectus").

             The Prospectus that I received contains  disclosure  concerning the
nature of the security  being offered and  describes  the risks  involved in the
investment,  including, but not limited to: vulnerability to changes in interest
rates;  decreased  return on average equity and increased  expenses  immediately
after  conversion;  competition;  geographical  concentration of loans;  certain
anti-takeover provisions;  voting control of shares by the board, management and
employee  plans;  low  return  of  equity  and low  net  interest  margin;  ESOP
compensation expense; absence of active market for common stock; risk of delayed
offering;  dilutive  effect of  restricted  stock  plan and stock  options;  and
restrictions on repurchase of shares.

             For a more  detailed  description  of  the  risks  involved  in the
offering, see "Risk Factors" at pages __ through __ of the Prospectus.

             In addition,  the articles of incorporation of the Company requires
a vote of 80% of stockholders to remove  directors,  to approve certain business
combinations  or to amend the certificate of  incorporation,  which may have the
effect of discouraging a future takeover attempt of the Company.  For additional
information, see pages ___ through ___ of the Prospectus.



NOTE:       If the stock is to be held jointly,
            both parties must sign.

Signature:



Signature:


Date: