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First National Bank of Central Florida Executive Management Announces “Green” Initiatives
Winter Park, Florida - August, 2008

First National Bank of Central Florida 's Chairwoman and Chief Executive Officer, Susma Patel , announced the bank will run a “green” campaign for the months of August, September and October. “I am very passionate about preserving the environment. The “green” initiative is very near and dear to my heart,” noted Patel.

In an effort to be “green”, the bank will offer business casual days the entire month of August for all of its employees and will ensure the air conditioning at each of its seven branch locations and departments throughout the organization are turned up two degrees higher than normal to conserve energy. First National Bank of Central Florida has also recently begun using scanners to create electronic copies of documents to reduce paper consumption. A secure email system to communicate with clients is also being utilized to decrease the amount of documentation sent via facsimile and postal mail.

Additionally, clients will be encouraged to bank envirosponsibly. Clients will be eligible to get green for going green. Green banking products such as: e-mail and CD ROM statements, direct deposit, internet banking with bill pay and Visa debit cards will be promoted to help reduce paper usage. When a client enrolls in green product, they will be entered in a drawing to win one of 4 cash prizes up to $200. They will also receive a reusable grocery bag with the bank's logo on it, which is the equivalent of four plastic bags.

First National Bank of Central of Florida is a locally owned community bank with seven offices in Orange and Seminole Counties . First National Bank of Central Florida had assets exceeding $486.7 million and $40.9 million in total equity at June 30, 2008. For the latest information about First National Bank of Central Florida , visit our website at www.believeinyourbank.com .

First National Bank of Central Florida Supports Foundation for Foster Children
Winter Park, Florida - July 17, 2008

First National Bank of Central Florida recently partnered with The Foundation for Foster Children in support of their “Be Cool” Summer Kickoff program. First National and its associates donated $650 along with several “Cool Kits” containing summer fun essentials for kids. For additional information about The Foundation for Foster Children please visit www.foundationforfosterchildren.org.

First National Bank of Central Florida President and CEO Announces Retirement
Winter Park, Florida - July 2, 2008

Charles W. Hall, First National Bank of Central Florida President and Chief Executive Officer, announced his plans to retire effective immediately. His retirement concludes a banking career which began in 1972.

Hall has been President and CEO of First National Bank of Central Florida since October 2000. He joined First National Bank of Central Florida March of 1999 as Senior Vice President and Chief Financial Officer. “I am most thankful for the opportunity given to me over eight years ago to lead First National as its' CEO, and I am proud of what we have accomplished during that period. First National is blessed with a strong and dedicated team of bankers, and is well positioned for the future,” noted Hall.

Susma Patel has been appointed by First National Board of Directors as Chairwoman and Chief Executive Officer. “With Charlie's announcement of his retirement, we first want to extend our heart felt thanks and best wishes to him for all he has accomplished for the bank. When Charlie took over as CEO, First National was $90 million in assets and was heavily invested in the concept of in-store branches. Over the last 8 years First National has grown to almost $465 million in assets and has developed a staff second to none in the delivery of community banking services.” Patel said. Ms. Patel was educated in the United Kingdom and is qualified as an Attorney. She is a resident of Windermere and is the majority shareholder of First Bancshares Inc which is the parent company of the bank. She is also an active member of Central Florida Women's League.

Additionally, Darwin P. Kelly Jr. has been appointed President, Chief Operating Officer.

Mr. Kelly joined First National as a board member in September 2003 and served on the board until 2007 when he joined First National as Executive Vice President/ Chief Operating Officer. Mr. Kelly is a graduate of both the University of Alabama and Rollins College with over twenty nine years of banking experience including being named CEO of several banks. Mr. Kelly is a long time resident of Winter Park and is actively involved with the local rotary.

First National had assets exceeding $467.8 million and $41.4 million in total equity at May 31, 2008.

First National Bank of Central Florida Welcomes Emmett J. Foster
Winter Park, FL - June 2008

First National Bank of Central Florida is pleased to announce Emmett J. Foster has joined its Board of Directors. Mr. Foster has over thirty-five years of executive management experience in banking and business consulting, including positions such as: Chairman of the Board, President and Chief Executive Officer. He has served on the board of more than twenty banks.

Mr. Foster serves as the Chairman of Bankers Credit Corporation and has been the Chairman of Foster Investments since 1984. Mr. Foster holds a BS degree in Economics from Marshall University . He is also a graduate of the School of Banking at the University of Virginia and the Advanced Program at Columbia University .

First National Bank of Central Florida to Celebrate Apopka Branch Opening
Apopka, FL - June 2008

Winter Park, Florida- June 16, 2008- First National Bank of Central Florida will celebrate the opening of its newest full-service branch in Apopka on Wednesday, June 25, 2008, beginning at 9:00 am with a ribbon cutting ceremony including Apopka dignitaries. The branch is located at 130 South Park Avenue .

The public is invited to attend this all day event. Appetizers and drinks will be served throughout the course of the day in the branch lobby. Additionally, special account promotions will be offered. Local celebrities will be on site to sign autographs along with the Apopka Police Department K9 Units to give demonstrations of their talents.

For more information on this event, please contact the Apopka Branch at 407-814-0491.

Daniel F. Williams Graduates LSU Graduate School of Banking
Winter Park, FL - June 2008

First National Bank of Central Florida announces the graduation of Daniel F. Williams, Executive Vice President / Senior Lender, from the Graduate School of Banking at Louisiana State University . Founded in 1948, the three year program consists of classroom instruction and case study projects which mix theoretical analysis and practical applications. The curriculum consists of a full range of disciplines entailed in managing a bank and is instructed by bank chief executive officers, university professors, regulators and consultants. Congratulations to Mr. Williams and his fellow graduates from the LSU Graduate School of Banking Class of 2008.

First National Bank of Central Florida Opens New Branch Office in Apopka
Apopka, FL - May 2008

Winter Park , Florida-May 19, 2008-First National Bank of Central Florida will open its newest full service branch in Apopka, Charles W. Hall announced. The new branch will be located at 130 South Park Avenue. “ For several years, First National Bank of Central Florida has looked forward to having a presence in Apopka. The citizens and businesses in that market can look forward to First National providing a level of service second to none. We believe the dynamic Apopka market will complement our existing branch network very nicely and will bring us closer to becoming Central Florida 's premier community bank.” Hall said.

Tom Brown will be the Business Development Officer for the new branch. Tom has been a resident of Apopka for over 15 years. He has 17 years of banking and finance experience. Tom is currently a member of the Apopka Chamber of Commerce, Apopka Youth Sports Association, Apopka Little League, Apopka Baseball Boosters-supporter and the St. Francis of Assisi Catholic Church.

First National Bank of Central Florida opened its original branch in 1985 in Longwood. In 1999, the bank relocated its headquarters to downtown Winter Park . First National Bank has several locations throughout Seminole and Orange Counties offering high-tech banking to small and medium-sized businesses. These services include Remote Deposit Capture, Email and CD ROM statements, Treasury Services, Positive Pay, Internet Banking and Bill Pay.

First National had assets exceeding $437.5 Million and $37.1 million in total equity at December 31, 2007. For the latest information about First National Bank of Central Florida , visit our website at www.believeinyourbank.com.

Sanford Stroll/ Orlando AIDS Walk
Sanford, FL - April 2008

First National Bank of Central Florida once again participated in the “Sanford Stroll” walk to benefit the Hope and Help Center which was held on Saturday, March 29th, at the Central Florida Zoo. Our very own Moriah Larson (Asst. Branch Manager-Heathrow), Tara Day (HR Asst.), and Ashley Bickford (Retail Asst.) sat on the Sanford Stroll Committee. Ted Bradford, a commercial lender, serves as President of the Board of Directors for The Hope and Help Center . Ted stated that because of FNB's efforts Hope and Help will be able to better serve their neighbors in the Central Florida Community. Moriah Larson also was the team captain for First National and did a fabulous job of rounding people up for the walk. The center is a wonderful organization that provides testing, counseling, insurance, education and many other services for individuals and family members infected and affected by HIV and Aids.

We also had two “Denim Days” where if employees donated $5 or more they could wear jeans on a scheduled day to raise money for “The Hope and Help Center ”. The first Denim Day raised $325 and the money went to the “Sanford Stroll”. The second Denim Day raised $230 and the money went to the “AIDS Walk Orlando”, which the Hope and Help Center also organizes.

At this year's Sanford Stroll First National Bank of Central Florida was awarded “Team who raised the Most Money”, which was a total of $2838.00. The overall total raised exceeded $19,000.00. All who participated had a great time and we are definitely looking forward to participating again next year!!!

First National Bank of Central Florida Opens New Branch Office in South Orlando
Winter Park, Florida- December 7, 2005

First National Bank of Central Florida will open it's newest full-service branch in South Orlando, First National President Charles W. Hall announced. The new branch will be located at 500 East Michigan Street and is part of First National's plan to increase it's presence in Central Florida.

Luisa Kwok will manage the new branch. “We are very excited about opening an office in the South Orlando Market,” Hall said. “The new Branch will provide us the presence to expand our services and move us closer to our goal of servicing the financial needs of the entire Central Florida Community.”

Locally owned, First National Bank of Central Florida opened its original branch in 1985 in Longwood. In 1999, the bank relocated its headquarters to downtown Winter Park.

First National has five full-service locations throughout Seminole and Orange Counties offering high-tech banking to small to medium sized businesses. These services include email and CD ROM statements, Treasury Services, Positive pay, Intercheck, Business Internet Banking, and Bill pay.

This Community bank had assets exceeding $ 354.8 Million, with total equity exceeding $25.5 Million at September 30, 2005.

First National Bank of Central Florida's headquarters are located at 369 North New York Avenue in Winter Park. For the latest information about First National Bank of Central Florida , visit our website at www.tomorrowsbanktoday.com.

First National Bank of Central Florida Staff Announcement
Winter Park, FL - December 2005

Mike Zachry was promoted to Vice President / BSA-AML Officer of First National Bank of Central Florida. Mike joined First National in June of 1995 and has been in banking for 20 years.

HAPPY ANNIVERSARY! FIRST NATIONAL BANK OF CENTRAL FLORIDA CELEBRATES ITS 20TH YEAR OF EXCELLENCE
Winter Park, FL - February 2005

July 15, 2005 will mark the 20th anniversary of First National Bank of Central Florida. In anticipation of our 20th, we have planned several events throughout the year at the various branches that will include the involvement of our many loyal customers. We have also designed a great billboard that showcases our 20th anniversary milestone in a colorful “explosion” of balloons and confetti at Lee Rd. near Clockworld and Del Frisco’s Restaurant. Please join us as we celebrate 20 years of excellence!

FIRST NATIONAL TO SPONSOR IOA CORPORATE CUP 5K
Winter Park, FL - February 2005

The Insurance Office of America Corporate Cup 5k run will be held on Thursday, May 5, 2005 at 6:45 PM at the Florida Citrus Bowl. Five thousand people will be representing over two hundred companies. First National Bank’s table will include Mexican Cuisine and Margaritas. There will be raffle drawings for moneybags that will be rewarded after the race. First National Bank will also be distributing water bottles throughout and after the race.

Congratulations J. Blair Culpepper!
Winter Park, FL - January 2005

We are exceedingly pleased to congratulate one of our own, J. Blair Culpepper, SVP Business Development Officer, for being recognized as Winter Park Citizen of the Year for 2004.

Blair’s distinguished accomplishments, coupled with his longstanding commitment to community service earned him this much-deserved award. Since 1970, Blair has been a respected leader in the Central Florida and Winter Park Communities serving as Chairman for such organizations as the Winter Park Memorial Hospital, Winter Park Chamber of Commerce, and the Winter Park Rotary Club, to name a few.

Blair’s extensive business service in such capacities as President, CEO , and Director or various distinguished business organizations has earned him much-deserved respect from clients, customers, and employees alike.

FIRST NATIONAL BANK SUPPORTS THE SUSAN G KOMEN BREAST CANCER FOUNDATION
Winter Park, FL - October 2004

The month of October is Breast Caner Awareness month. First National bank employees will observe this day and support the Susan G Komen Breast Cancer Foundation. For more than 20 years, the Susan G. Komen Breast Cancer Foundation has been a global leader in the fight against breast cancer through its support of innovative research and community-based outreach programs. On October 8, 2004, all First National employees that are wearing jeans to work have donated money to the Susan G Komen Breast Cancer Foundation. The Komen Foundation is fighting to eradicate breast cancer as a life-threatening disease by funding research grants and supporting education, screening and treatment projects in communities around the world.

Light the Night for The Leukemia & Lymphoma Society
Orlando, FL - September 2004

For the fourth consecutive year, First National Bank of Central Florida volunteered at The Light the Night event in conjunction with The Leukemia & Lymphoma Society on Saturday September 18, 2004 at The Blue Jacket Park in Orlando, Florida. The Light the Night walk is The Leukemia & Lymphoma Society's nationwide evening walk. Walkers carry illuminated balloons to celebrate and commemorate the lives touched by cancer. Funds raised were counted and verified by First National's volunteer employees.

First National Bank of Central Florida Staff Announcement
Winter Park, Florida - March 2004

Michelle Butler
First National Bank of Central Florida promoted Michelle Butler to Vice President/Controller of the Finance Department for their Winter Park Office. Butler joined First National in August of 1999 as a member of the Finance Department. Butler has been in banking for fifteen years. She is currently attending the FBA Florida School of Banking, Class of 2004.

FIRST NATIONAL BANK OF CENTRAL FLORIDA PARTICIPATES IN THE INSURANCE OFFICE OF AMERICA CORPORATE 5K EVENT
Winter Park, Florida - March 2004

First National is participating in the Insurance Office of America Corporate 5k event for the second year in a row. With great employee and customer participation, First National will be helping raise money for the Downtown Orlando YMCA. This is a great event that First National is proud to be a part of for a second year. The event takes place at the Citrus Bowl on Thursday, May 6th. The event begins at 6:45 PM and will go into the evening.

FIRST NATIONAL BANK OF CENTRAL FLORIDA RAISES MONEY FOR THE MUSCULAR DYSTROPHY ASSOCIATION
Winter Park, Florida - March 2004

For the fourth year in a row First National Bank of Central Florida is helping raise money for the Muscular Dystrophy Association (MDA). From February 1, 2004 through March 17, 2004 all offices will be accepting donations for this cause. For just $1.00 customers can purchase a shamrock to display at any location. Since 1955, MDA has provided youngsters with an opportunity for an unforgettable week at MDA summer camp. First National is trying to send as many kids to camp as possible. Please help us help MDA.

First National Bank of Central Florida Staff Announcements
Winter Park, Florida

We are pleased to welcome Joda Connell to First National, as well as congratulate John Calpey and David Gragg for their recent promotions.

Joda Connell
We hired Joda Connell as vice president and branch manager / business development officer for our new Heathrow office. Joda was formerly with Barnett Bank and SunTrust. She holds a bachelor's degree in business administration and economics from Rollins College.

John Calpey
John Calpey was recently promoted to senior vice president and business development officer John was previously the branch manager of our Winter Park office.

David Gragg
David Gragg was recently promoted to vice president and branch manager of our Winter Park office. David was previously the office's assistant manager.

Also > We are pleased to announce that Darwin P. Kelly, president and CEO of Impact Healthcare Services, Inc., joined our board of directors.

First National Bank of Central Florida
Winter Park, Florida - September 2003

Mr. Charles W. Hall, President & CEO of First National Bank of Central Florida, announced today that Darwin P. Kelly, President & CEO of Impact Healthcare Services, Inc., Maitland, has agreed to join the Board of Directors of First National.

Mr. Kelly has been a long time resident of Winter Park and an active participant in the Central Florida civic community. Prior to joining Impact Healthcare over seven years ago, Mr. Kelly enjoyed a successful twenty four year banking career, culminating in being named CEO of several banks. He is a graduate of both the University of Alabama and Rollins College and is currently active in Winter Park Rotary. Over the years Mr. Kelly has had significant involvement with many other civic organizations including Winter Park Jaycees, Orlando Area Chamber of Commerce, Winter Park YMCA, Orange County School Board Business Advisory Board, Central Florida Research Park and others. He is an active member of the Aloma United Methodist Church and Interlachen Country Club.

“We are very fortunate to have a person with Mr. Kelly’s background and reputation join us,” stated Mr. Hall. “We look forward to Mr. Kelly joining with our other board members to help guide First National Bank of Central Florida into a future which we foresee as very prosperous and exciting.”

FIRST NATIONAL BANK OF CENTRAL FLORIDA
OPENS NEW BRANCH OFFICE
Winter Park, Florida - September 2003

First National Bank of Central Florida is proud to announce the opening of its newest branch in Heathrow on Tuesday, October 14, 2003. The Heathrow branch is located at 1511 International Parkway and will be open Monday through Thursday 9:00 AM until 4:00 PM and Friday’s until 6:00 PM. The drive through will be open Monday through Friday from 8:00 AM until 6:00 PM. “This beautiful new facility will enable us to better serve the Heathrow/Lake Mary market with state of the art banking and personalized service. It puts us one step closer to achieving our goal of providing all of Central Florida with the absolute best in community banking, ” said First National president Charles Hall. “If you are ready for some old-fashioned customer service, stop by our new office and ask us how we can satisfy all of your banking needs,” said Joda Connell, who recently joined First National as Vice President/Branch Manager of the Heathrow Office, whose father is a founding member of the Heathrow Country Club. She will be available to offer you a complete review of your banking relationships and show you why First National Bank is the right bank for you. The Heathrow Office will feature personalized banking, with the extra amenities of individual account officers, personalized account set-up and safe deposit services. Locally owned, First National Bank of Central Florida opened its original branch in 1985 in Longwood. In 1999, the bank relocated its headquarters to downtown Winter Park. First National has 10 full-service locations throughout Seminole, Orange, and Brevard counties offering high tech-banking to small-to-medium sized businesses. These services include Cash Management Services, Lockbox Services, Email and CD ROM statements, Positive Pay, Intercheck, Business Internet Banking and Bill Pay. This community bank has assets exceeding $238 million, with total equity exceeding $17 million. First National Bank of Central Florida’s headquarters are located at 369 N. New York Avenue in Winter Park.

FIRST NATIONAL BANK OF CENTRAL FLORIDA
BREAKS GROUND FOR NEW BRANCH OFFICE
Winter Park, Florida - July 18, 2003

First National Bank of Central Florida hosted a groundbreaking ceremony for it’s newest branch in Heathrow on Monday, July 21st. The new full-service branch will be located at 1511 International Parkway and is expected to be in operation by the fourth quarter of this year. “We are very excited about the continued rapid development of the Heathrow/Lake Mary area, and want to ensure that we are active participants in that market,” said First National president Charles Hall. “The new facility will provide us the presence to expand our services to all of North Seminole County and will move us closer to our goal of serving the financial needs of the entire Central Florida community.” Representatives from the Seminole County Chamber of Commerce and local civic leaders joined officials from the bank for the ceremony. Locally owned First National Bank of Central Florida opened its original branch in 1985 in Longwood. In 1999, the bank relocated its headquarters to downtown Winter Park. First National has 5 full-service “in-store” locations throughout Seminole, Orange, and Brevard counties offering high tech-banking to small to medium sized businesses. These services include email and CD ROM statements, Treasury services, Positive Pay, Intercheck and Business Internet Banking and Bill Pay. This community bank has assets exceeding $238 million, with total equity exceeding $17 million. First National Bank of Central Florida’s headquarters are located at 369 N. New York Avenue in Winter Park.

FIRST NATIONAL BANK SUPPORTS OUR TROOPS
Winter Park, Florida - April 15, 2003

With thousands of U.S. troops deployed around the world actively engaged in the war with Iraq, First National Bank of Central Florida wanted to do something to let our nation’s defenders know we haven’t forgotten them. Because of heightened security we can no longer send letters or packages to “Any Service Member” so we teamed up with United States Organizations (USO) and established a day that we will show our support.

FNBCF has designated April 18th as “Support Our Troops Day”. Employees donated over $730.00 in addition to the $270.00 First National contributed to Operation USO Care Package. This will allow over 40 care packages with much needed items to be sent to our troops in Iraq. On April 18th each employee who made a contribution will wear a yellow ribbon as well as flyers are being displayed in the branches.

A special thank you letter will be included with our donations sent to the USO and will be forwarded to our nation’s defenders in Iraq. In conclusion, take a moment on that day to stop and thank our service men and women for their unselfish acts of heroism that ultimately allows us the freedom we have today.

FIRST NATIONAL SET TO OPEN ITS NEWEST
FULL- SERVICE BRANCH IN EAST ORANGE COUNTY
Winter Park, Florida - December 10, 2002

First National Bank of Central Florida will open its newest full-service branch later this month in the Avalon Park Town Center, First National President Charles Hall announced. The new branch will be located inside the Avalon Park Information Center at 3877 Avalon Park Boulevard East and is part of First National’s plan to increase its presence in Central Florida.

The new branch will be managed and operated by Rob Massey. “We located our newest branch in Avalon Park because there is great opportunity for us to do what we do best, and that’s provide community banking services,” Hall said. “We’ve been very successful making our customers’ needs our number one priority in our other branches.”

Locally operated, First National Bank of Central Florida opened its original office in 1985 in Longwood. The bank, which has assets exceeding $200 million and more than $16 million in total equity, had nine locations by 1999 when it relocated its headquarters to downtown Winter Park, marking the opening of its 10th facility. In addition to the Longwood, Dr. Phillips and Winter Park offices, First National has eight full-service “in-store” locations throughout Orange, Seminole, Volusia and Brevard counties. First National offers high-tech banking through e-mail and CD ROM statements, Intercheck and online account services.

First National Bank of Central Florida’s headquarters is located at 369 North New York Avenue, Winter Park.

First National Bank of Central Florida Raises $664.00 for Breast Cancer Cause

First National Bank of Central Florida, in an effort to create awareness during National Breast Cancer Awareness Month for the cause, raised $664.00 through employee and customer contributions. We certainly do thank everyone for their heartfelt participation in making this effort such a success.

Health & Financial Checkup at First National Bank of Central Florida

First National Bank of Central Florida, in participation with Health Central and the Central Florida Blood Bank is hosting a Health & Financial Checkup on July 26th from 10:00 am - 4:00 pm at our newest location on Conroy-Windermere Road and Apopka-Vineland, across the street from the Albertsons. Various medical and financial professionals will be on hand to answer questions. You will also have the opportunity to donate blood, get a massage, consult a financial planner or dentist, and even have your blood pressure checked.

First National's President Charlie Hall said "We've been very successful making our customers' needs our number one priority in our Winter Park and Longwood branches and now we have the chance to do the same for our residents here." Locally operated, First National Bank of Central Florida opened its original office in 1985 in Longwood. The bank had ten locations by 1999 when it relocated its headquarters to downtown Winter Park, marking the opening of its 11th facility. In addition to the Longwood and Winter Park offices, First National has nine full-service "in-store" locations through Orange, Seminole, Volusia and Brevard counties.

First National offers high-tech banking through email and CD ROM statements, Intercheck and online account services. First National's assets exceed $185 million with $14.8 million in total equity. First National Bank of Central Florida headquarters is located at 369 N. New York Avenue, Winter Park. For the latest information about First national Bank of Central Florida, visit our website at www.tomorrowsbanktoday.com, or call the branch directly at 407-909-1744.

First National Raises Over $1,200 for Cystic Fibrosis Cause

First National Bank sponsored the "GREAT STRIDES" walk to cure Cystic Fibrosis. This year's walk-a-thon was held on Saturday, April 27th, at Lake Eola, Downtown - Orlando. Shannon Marks and Cindy Price coordinated the bank's efforts to raise money for this cause by walking in "Great Strides" on the 27th. The walk was a 6.3 mile hike through historic downtown Orlando beginning at Lake Eola. The branches sold the little sneakers, at a cost of $1.00 (or whatever anyone wants to contribute)... the branches alone raised over $500.

FIRST NATIONAL BANK OF CENTRAL FLORIDA EARNS
$335 FOR RONALD MCDONALD HOUSE ORLANDO
WINTER PARK, Florida - March 25, 2002

First National Bank's "Dress Down Day" on Friday, March 15 netted $335 for the Ronald McDonald House of Orlando. The Ronald McDonald House is a "home away from home" for family members of sick children who receive medical treatment at local Orlando hospitals. The nonprofit organization's 22-bedroom home, located on Alden Road in Orlando, is full to capacity on most nights, and the Ronald McDonald House Advisory Board is in the process of raising funds to build another much-needed house.

Our own Susma Patel, member of the advisory board, is spearheading the "Pull for the Ronald McDonald House" fundraising effort here at First National Bank to raise money for the organization by collecting soft drink pop tabs. In the last three years, Ronald McDonald House has recycled over 25 million tabs, weighing more than 20,000 pounds, and worth $7,000. This was the result of the combined efforts of local businesses, churches, schools, and civic organizations. Don't throw your soft drink pop tabs out... stop by any one of our branch locations to drop of those tabs for a great cause...

FIRST NATIONAL BANK OF CENTRAL FLORIDA
OPENS DR. PHILLIPS BRANCH THIS MONTH
ORLANDO, Florida - June 22, 2001

First National Bank of Central Florida will open its newest full-service branch this month in the Dr. Phillips area, First National President Charles Hall announced. The new branch will be located at 8910 Conroy-Windermere Road and is part of First National's plan to increase its presence in Central Florida. The opening of this facility coincides with the bank's recent launch of its complete Internet banking services. The new branch will be managed by Teri Bunye. "We located our newest branch in Dr. Phillips because there is great opportunity for us to do what we do best, and that's provide community banking services," Hall said. "We've been very successful making our customers' needs our number one priority in our Winter Park and Longwood branches and now we have the chance to do the same for residents there." Locally operated, First National Bank of Central Florida opened its original office in 1985 in Longwood. The bank had ten locations by 1999 when it relocated its headquarters to downtown Winter Park, marking the opening of its 11th facility. In addition to the Longwood and Winter Park offices, First National has nine full-service "in-store" locations through Orange, Seminole, Volusia and Brevard counties. First National offers high-tech banking through email and CD ROM statements, Intercheck and online account services. First National assets exceed $150 million and more than $12 million in total equity. First National Bank of Central Florida headquarters is located at 369 N. New York Avenue, Winter Park. For the latest information about First National Bank of Central Florida, visit our website at www.tomorrowsbanktoday.com.

FIRST NATIONAL HOSTS PAJAMA PARTY TO CELEBRATE
ROLLOUT OF NEW ELECTRONIC BANKING SERVICES
Winter Park, Florida - June 15, 2001

Approximately 70 First National Bank of Central Florida employees will exchange their business suits for pajamas to celebrate this month's rollout of its new electronic banking services at a party hosted by bank president Charles W. Hall. "Employees will perform musical jingles they wrote for future in-bank promotions and will play a variety of games at the pajama party designed to get familiar with the new services," said Isa Cusack, senior vice president of business development. "We want our staff as much a part of the process as possible when launching new products and services," Cusack explained. "I thought this would be a fun way to involve everyone, and from the beginning, we've had enormous positive responses." Cusack said the winning employee-written jingles, which had to be recorded and submitted in advance, will be used by First National's in-store bank locations. The winner will receive a two-night stay at an area resort hotel. The pajama party will take place from 6 to 9 p.m. on Saturday, June 23 in First National's lobby at 369 N. New York Avenue in Winter Park. Locally operated, First National Bank of Central Florida opened its original office in 1985 in Longwood. The bank, which has assets exceeding $150 million and more than $12 million in total equity, had ten locations by 1999. That same year, First National relocated its headquarters to downtown Winter Park, marking the opening of its 11th facility. In addition to the Longwood and Winter Park offices, First National has nine full-service "in-store" locations through Orange, Seminole, Volusia and Brevard counties. First National offers high-tech banking through email and CD rom statements, Intercheck and online account services. First National Bank of Central Florida headquarters are located at 369 N. New York Avenue, Winter Park. For the latest information about First National Bank of Central Florida, visit our website at www.tomorrowsbanktoday.com

J. BLAIR CULPEPPER NAMED SENIOR VICE PRESIDENT
OF BUSINESS DEVELOPMENT FOR FIRST NATIONAL
BANK OF CENTRAL FLORIDA
Orlando, Florida - February 16, 2001

J. Blair Culpepper, one of Central Florida's most respected bankers, has been named Senior Vice President of Business Development for First National Bank of Central Florida, First National President Charlie Hall announced today. Culpepper, vice president at Wachovia Bank will assume his new position on March 1st at the bank's headquarters in downtown Winter Park. "We are thrilled to have Blair as part of the First National team," Hall said. "He is a highly respected banker and involved citizen of the community. His skills, experience and commitment to community will be of significant benefit to the bank as an institution, and to our customers as well." With almost 40 years of experience in banking, Culpepper is a recognized leader in the business community. Currently, he is president-elect of both the Winter Park Chamber of Commerce and the Winter Park Rotary Club and is an active member of the Enterprise Development Board, Celebration, Florida. He served as president and chairman of the Orlando Regional Chamber of Commerce and the University of Central Florida Foundation and sat on the board of The Orlando Museum of Art. "This is a tremendous opportunity for me to pursue community banking with a first rate institution," Culpepper said. "I'm looking forward to exciting and rewarding experiences with First National." Culpepper, who graduated with honors from the University of Florida and later from Louisiana State University's School of Banking, also completed continuing management programs at Harvard Business School. First National Bank of Central Florida, founded in 1985, is headquartered in Winter Park, Florida, at 369 N. New York Avenue. Along with its original full-service branch location in Longwood, Florida, First National has an additional nine full-service locations throughout Orange, Seminole, Volusia and Brevard counties with assets exceeding $150 million. The bank's total equity is valued at more than $12 million. For the latest information about First National Bank of Central Florida, visit our website at www.tomorrowsbanktoday.com.

FIRST NATIONAL BANK OF CENTRAL FLORIDA BREAKS
GROUND FOR NEW BRANCH OFFICE
Orlando, Florida - January 19, 2001

First National Bank of Central Florida will break ground this week in southwest Orlando, where the community bank plans to open First National's newest branch facility. The new full-service branch will be located at 8910 Conroy-Windermere Road and is expected to be in operation by the third quarter. "This is an important initiative for us," said First National President Charles Hall. "The new facility will be a natural extension of what we do best, and will help us to expand our services and get closer to accomplishing our ultimate goal of serving the entire Central Florida community." Jerome "Jay" Stewart, a senior vice president with First National, will head the new southwest Orange County bank branch. A groundbreaking ceremony will take place at noon, Wednesday, January 24 at the site. Officials from the bank will be joined by representatives from the West Orange Chamber of Commerce and civic leaders. Locally owned First National Bank of Central Florida opened its original branch in 1985 in Longwood. In 1999, the bank opened its second branch and relocated its headquarters to downtown Winter Park. First National also has nine full-service "in-store" locations throughout Orange, Seminole, Volusia and Brevard counties. First National offers high-tech banking through email and CD ROM statements, Intercheck and online account access. First National assets exceed $150 million and more than $12 million in total equity. First National Bank of Central Florida headquarters are located at 369 N. New York Avenue, Winter Park. For the latest information about First National Bank of Central Florida, visit our website at www.tomorrowsbanktoday.com.

CHARLES W. HALL NAMED PRESIDENT OF FIRST
NATIONAL BANK OF CENTRAL FLORIDA
Winter Park, Florida - October 25, 2000

Charles "Charlie" W. Hall has been approved as President and CEO of the First National Bank of Central Florida, the bank announced today. Hall, formerly the Chief Financial Officer, has been serving as acting president since July 1, 2000. In his new role, Hall will oversee the commercial institution's operations in the two large branches as well as its "in-store" operations in branches currently located throughout Central Florida in Wal-Marts, as well as Winn Dixie and Goodings grocery stores. Additionally, Hall will focus on maintaining the bank's community service philosophy while moving forward with state-of-the-art electronic banking services for more effective and convenient banking for individual and business customers. Hall replaces Geoffrey Longstaff who left the bank earlier in the year. "Our strength is that we are able to provide personal service to our customers and that's so rare these days with so many large banks coming into the community," Hall said. "I look forward to our continuing to stay ahead of the technology curve while maintaining the best customer service available." First National Bank of Central Florida is headquartered in Winter Park along with its original full-service branch location in Longwood, Florida. The bank was founded in 1985 as a full-service commercial bank and has grown to $142 million in total assets and almost $11 million in total equity. For more information, please see the bank's website at www.tomorrowsbanktoday.com. First National Bank of Central Florida is Tomorrow's Bank Today.