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                                                                    EXHIBIT 99.2



                                 PROMISSORY NOTE


$890,434                                                  Minneapolis, Minnesota
                                                                  August 6, 2001


         For value received, the undersigned, Carl R. Pohlad, as trustee of the
Revocable Trust of Carl R. Pohlad Created U/A dated 6/28/91, as Amended
("Debtor"), hereby promises to pay to the order of Texas Financial
Bancorporation, Inc. (the "Creditor"), the principal sum of Eight Hundred Ninety
Thousand Four Hundred Thirty-Four Dollars ($890,434), together with interest on
the principal amount remaining unpaid from time to time at an annual rate of
3.9% per annum, which shall be paid in a single installment on January 15, 2002
equal to the principal balance plus accrued interest.

         This Note is issued pursuant to that certain Stock Purchase Agreement
dated as of July 24, 2001, by and between the Debtor and the Creditor and may
not be pre-paid by Debtor without the consent of the Creditor.

         This Note shall be immediately due and payable (including unpaid
interest accrued hereon) without demand or notice thereof upon the occurrence of
any one of the following: (a) Debtor shall become insolvent or otherwise unable
to pay its debts as they mature, (b) the Debtor shall make a general assignment
for the benefit of creditors, (c) the Debtor shall file a voluntary petition for
bankruptcy or have filed against it an involuntary petition for bankruptcy, (d)
the Debtor shall apply for the appointment of a receiver or trustee for
substantially all of its property and assets or shall permit the appointment of
such a receiver or trustee who is not discharged within thirty (30) days, or (e)
all or substantially all of the capital stock or assets of the Debtor are sold,
assigned or transferred to one or more individuals or entities, other than to
Carl R. Pohlad and members of his immediate family or any entity owned or
controlled by them.

         The Debtor hereby agrees to pay all costs of collection, including
reasonable attorneys' fees and legal expenses, in the event this Note is not
paid when due, whether or not legal proceedings are commenced.

         Presentment, notice of dishonor and protest are expressly waived.



                                       DEBTOR:  REVOCABLE TRUST OF CARL R.
                                                POHLAD CREATED U/A DATED
                                                6/28/91, AS AMENDED


                                       /s/ Carl R. Pohlad
                                       -----------------------------------------
                                       Carl R. Pohlad, Trustee