The company's principal activity is to provide a full range of commercial banking and consumer banking services to businesses and individuals. The company is a Florida state chartered bank providing services through its three full-service community-banking offices. The company considers its primary market and service area to be broward, dade and palm beach counties. Retail services offered by the company include installment loans, credit cards, checking accounts, savings accounts, now accounts and various types of time-deposit instruments. The company also provides commercial and industrial loans, commercial and residential mortgage loans and consumer and installment loans. At 31-Dec-2002, the company operated through 3 full-service banking offices.
