O'QUINN, Justice.
The prior opinion of this Court filed November 19, 1975, is withdrawn and the following opinion is filed in lieu thereof.
The Savings and Loan Commissioner of Texas, after hearings in September and November of 1973, entered an order in January of 1974 approving an application for a charter to establish the fourth savings and loan association in Longview, and the sixth charter for Gregg County.
Three established savings and loan associations...
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