Terry Wilkinson has vision. Show him an empty tract of land,  and the wheels start turning. Wilkinson’s various enterprises have created some of the most pr of- itable developments in Southlake, Texas, a once-sleepy  town whose name has become synonymous with upscale living and  com- merce in the Dallas-Fort Worth Metroplex. “I’ve been in business on my own since the early ’90s, and a  cus- tomer of First Financial Bank in Southlake for about six years,”  says Wilkinson. He works with the bank to finance numerous pr ojects, such as residential developments, office buildings and lar ge-scale shopping centers. “Naturally, I work with several banks, but I  con- sider First Financial the easiest to work with.” Wilkinson believes the bank’s local perspective gives it  better vision for what can succeed in the community. That translates  into better performance. “I prefer dealing with banks where  things don’t have to be sent off to people you’ve never met for a  decision. With First Financial, they’ve gotten to know me, and they  under- stand my business. “First Financial doesn’t seem like a bank that’s owned by an  out- of-town company. That’s why they’re my preferred lender.” “First Financial doesn’t seem like  a bank that’s owned by an out-of- town company.” Te rry Wilkinson Commercial/Residential Developer Southlake, Texas 10