.png)
On a Saturday morning in early June 2007, Elaine Martin and Linda Hoover nervously made their way inside the double-wide modular building that had been recently located on the outskirts of Elgin.
They were hoping to find a very important piece of mail in the drop box upon their arrival, but to no avail. The two were there to tidy up a few remaining details in anticipation of the announced opening of a new Texas bank the following Monday. They both knew, however, the opening would not be possible without the official bank charter that had yet to arrive from the Texas Department of Banking.
As the two bankers dejectedly finished up and prepared to leave, there was a bumping sound at the front door as the mail drop box clanged shut. The charter had arrived, the bank opened on time and Frontier Bank of Texas was in business.
