I am so Glad they are back. this is the Best bank i have ever dealt with in Florida and i have been in buisness here since 1994 and have dealt with quite a few banks as i have 10 plus locations in the state . They do their best to help their customers and they do what the say they will do . this is a good sign for SWFL when the economy turns in mid 2011 they will be the bank best positioned, i can bet buy 2015 they will be the best and biggest Local Bank why??? they have the right people they have the past relationships . I was able to do A commercial loan in 40 days with them no hassle,also their fees are reasonable after they sold the bank i took my account to other bank where fees are approx 2k more per month. AND YES THEY ALWAYS HAVE A COOKIE FOR YOU