EXHIBIT 99.6
, 2000
Dear Friend:
We are pleased to announce that Community Bank of Central Texas, ssb ("Community
Bank") is converting from the mutual to the stock form of organization (the
"Conversion"). In connection with the Conversion, CBCT Bancshares, Inc.
("CBCT"), the newly-formed holding company for Community Bank, is offering
common shares in a subscription offering pursuant to a Plan of Conversion.
Because of your subscription rights as a former member of Community Bank, we are
sending you the following materials which describe the stock offering.
PROSPECTUS: This document provides detailed information about Community
Bank's operations and the proposed stock offering.
STOCK ORDER AND CERTIFICATION FORM: This form is used to purchase stock
by returning it with your payment in the enclosed business reply
envelope. The deadline for ordering stock is 12:00 Noon, Smithville,
Texas time, on _____________, 2000.
As a former depositor of Community Bank, you will have the opportunity to buy
common shares directly from CBCT in the offering without paying a commission or
fee. If you have additional questions regarding the Conversion and Offering,
please call us at ( ) - Monday through Friday, or stop by our Stock Information
Center located at 312 Main Street, Smithville, Texas.
We are pleased to offer you this opportunity to become a shareholder of CBCT
Bancshares, Inc.
Sincerely,
Brad M. Hurta
President and Chief Executive Officer
THE COMMON SHARES BEING OFFERED ARE NOT SAVINGS ACCOUNTS OR DEPOSITS AND ARE NOT
INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION, THE BANK INSURANCE FUND,
THE SAVINGS ASSOCIATION INSURANCE FUND OR ANY OTHER GOVERNMENT AGENCY. THIS IS
NOT AN OFFER TO SELL OR A SOLICITATION OF AN OFFER TO BUY SHARES. THE OFFER IS
MADE ONLY BY THE PROSPECTUS.
, 2000
Dear Member:
We are pleased to announce that Community Bank of Central Texas ("Community
Bank") is converting from the mutual to the stock form of organization (the
"Conversion"). In connection with the Conversion, CBCT Bancshares, Inc.
("CBCT"), the newly-formed holding company for Community Bank, is offering
common shares in a subscription offering pursuant to a Plan of Conversion.
To accomplish this Conversion, we need your participation in an important vote.
Enclosed is a proxy statement describing the Plan of Conversion and your voting
and subscription rights. The Plan of Conversion has been approved by the Office
of Thrift Supervision and now must be approved by you. YOUR VOTE IS VERY
IMPORTANT.
Enclosed, as part of the proxy materials, is your proxy card, the detachable
section on top of the order form having your name and address. This proxy card
should be signed and returned to us prior to the Special Meeting of Members to
be held on , 2000. Please take a moment now to sign the enclosed proxy card and
return it to us in the postage-paid envelope provided. FAILURE TO VOTE HAS THE
SAME EFFECT AS VOTING AGAINST THE CONVERSION.
The Board of Directors believes the Conversion will offer a number of advantages
such as an opportunity for depositors and certain borrowers of Community Bank to
become shareholders. Please remember:
0 Your deposit accounts will continue to be insured up to the maximum legal
limit by the Federal Deposit Insurance Corporation ("FDIC").
0 There will be no change in the balance, interest rate, or maturity of
any deposit accounts because of the Conversion.
0 Members have a right, but not an obligation, to buy CBCT common stock
and may do so without a commission or fee before it is offered to the
general public.
0 Like all stock, shares of CBCT common stock issued in this Offering
will not be insured by the FDIC.
Enclosed is a prospectus containing a complete discussion of the stock offering.
We urge you to read this material carefully. If you are interested in purchasing
the common shares of CBCT, you must submit your Stock Order and Certification
Form and payment prior to 12:00 Noon, Smithville, Texas time, on , 2000.
If you have additional questions regarding the Offering, please call us at ( ) -
, Monday through Friday, or stop by our Stock Information Center located at 312
Main Street, Smithville, Texas.
Sincerely,
Brad M. Hurta
President and Chief Executive Officer
THE SHARES OF COMMON STOCK BEING OFFERED IN THIS OFFERING ARE NOT SAVINGS
ACCOUNTS OR DEPOSITS AND ARE NOT INSURED BY THE FEDERAL DEPOSIT INSURANCE
CORPORATION, THE BANK INSURANCE FUND OR THE SAVINGS ASSOCIATION INSURANCE FUND
OR ANY OTHER GOVERNMENT AGENCY. THIS IS NOT AN OFFER TO SELL OR A SOLICITATION
OF AN OFFER TO BUY SHARES. THE OFFER IS MADE ONLY BY THE PROSPECTUS.
, 2000
Dear Prospective Investor:
We are pleased to announce that Community Bank of Central Texas ("Community
Bank") is converting from the mutual to the stock form of organization (the
"Conversion"). In connection with the Conversion, CBCT Bancshares, Inc.
("CBCT"), the newly-formed holding company for Community Bank, is offering
common shares in a subscription offering pursuant to a Plan of Conversion.
We have enclosed the following materials which will help you learn more about
the merits of CBCT common shares as an investment. Please read and review the
materials carefully.
PROSPECTUS: This document provides detailed information about Community
Bank operations and the proposed stock offering.
STOCK ORDER AND CERTIFICATION FORM: This form is used to purchase
common shares by returning it with your payment in the enclosed
business reply envelope. The deadline for ordering common shares is
12:00 Noon, Smithville, Texas, time, on , 2000.
We invite our loyal customers and members of the general public to become
shareholders of CBCT. Through this offering you have the opportunity to buy
common shares directly from CBCT without paying a commission or fee. The board
of directors and senior management of Community Bank fully support the offering.
If you have additional questions regarding the Offering, please call us at ( ) -
, Monday through Friday, or stop by our Stock Information Center located at 312
Main Street, Smithville, Texas.
Sincerely,
Brad M. Hurta
President and Chief Executive Officer
THE COMMON SHARES BEING OFFERED ARE NOT SAVINGS ACCOUNTS OR DEPOSITS AND ARE NOT
INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION, THE BANK INSURANCE FUND,
THE SAVINGS ASSOCIATION INSURANCE FUND OR ANY OTHER GOVERNMENT AGENCY. THIS IS
NOT AN OFFER TO SELL OR A SOLICITATION OF AN OFFER TO BUY SHARES. THE OFFER IS
MADE ONLY BY THE PROSPECTUS.
[GRAPHIC OMITTED]
KEEFE, BRUYETTE & WOODS, INC.
To Members and Friends of
Community Bank of Central Texas, ssb
- --------------------------------------------------------------------------------
Keefe, Bruyette & Woods, Inc. a member of the National Association of Securities
Dealers, Inc. ("NASD"), is assisting Community Bank of Central Texas, ssb
("Community Bank") in converting from the mutual to the stock form of
organization which will then become a wholly-owned subsidiary of a new holding
company, CBCT Bancshares, Inc. ("CBCT Bancshares"). In connection with the
conversion, CBCT Bancshares is offering shares of its common stock in a
subscription offering pursuant to a Plan of Conversion.
At the request of CBCT Bancshares, Inc., we are enclosing materials explaining
this process and your options, including an opportunity to invest in shares of
CBCT Bancshares, Inc. common stock being offered to customers of Community Bank
until 12:00 Noon, Smithville, Texas time, on June XX, 2000. Please read
carefully the enclosed offering materials, including the Prospectus, for a
complete discussion of the stock offering. CBCT Bancshares, Inc. has asked us to
forward these documents to you in view of certain requirements of the securities
laws in your state.
If you have any questions, please visit our Stock Information Center located at
312 Main Street, Smithville, Texas, or feel free to call the Stock Information
Center at (512) XXX-XXXX.
Very truly yours,
Keefe, Bruyette & Woods, Inc.
THE COMMON SHARES BEING OFFERED ARE NOT SAVINGS ACCOUNTS OR DEPOSITS AND ARE NOT
INSURED BY THE FEDERAL DEPOSIT INSURANCE CORPORATION, THE BANK INSURANCE FUND,
THE SAVINGS ASSOCIATION INSURANCE FUND OR ANY OTHER GOVERNMENT AGENCY. THIS IS
NOT AN OFFER TO SELL OR A SOLICITATION OF AN OFFER TO BUY SHARES. THE OFFER IS
MADE ONLY BY THE PROSPECTUS.
May XX, 2000
Dear Member:
We are pleased to announce that Community Bank of Central Texas, ssb ("Community
Bank") is converting from the mutual to the stock form of organization (the
"Conversion") which will then become a wholly-owned subsidiary of a new holding
company, CBCT Bancshares, Inc. In connection with the Conversion, CBCT
Bancshares, Inc. ("CBCT Bancshares") is offering shares of its common stock in a
subscription offering pursuant to a Plan of Conversion.
Unfortunately, CBCT Bancshares is unable to either offer or sell its common
shares to you because the small number of eligible subscribers in your
jurisdiction makes registration or qualification of the common shares under the
securities laws of your jurisdiction impractical, for reasons of cost or
otherwise. Accordingly, this letter should not be considered an offer to sell or
a solicitation of an offer to buy the common shares of CBCT Bancshares.
However, as a member of the Community Bank you have the right to vote on the
Plan of Conversion at the Special Meeting of Members to be held on June XX,
2000. Therefore, enclosed is a proxy card, a proxy statement (which includes the
Notice of the Special Meeting), a prospectus (which contains information
incorporated into the proxy statement) and a return envelope for your proxy
card.
We invite you to attend the Special Meeting of Members on June XX, 2000.
However, whether or not you are able to attend the meeting, please complete the
enclosed proxy card and return it in the enclosed envelope.
Sincerely,
Brad M. Hurta
President and Chief Executive Officer