----

| x | QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|---|-----------------------------------------------------------------------------------------|

|   | For the quarterly period ended June 30, 2009 |
|--------|----------------------------------------------|

|   | OR |
|--------|----|

| o | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |
|---|------------------------------------------------------------------------------------------|

|   | For the transition period from _____ to _____ |
|--------|-----------------------------------------------|

| Florida                                                        |                                             | 35-2164765                           |
|----------------------------------------------------------------|--------------------------------------------------|--------------------------------------|
| (State or other jurisdiction of Incorporation or organization) |                                             | (I.R.S. Employer Identification No.) |
|                                                           |                                             |                                 |
| 1400 North 15th Street, Immokalee, Florida                     |                                             | 34142-2202                           |
| (Address of principal executive offices)                       |                                             | (Including zip code)                 |
|                                                           | (239)  657-3171                        |                                 |   |
|                                                           | (Issuer's Telephone Number, Including Area Code) |                                 |   |

| No Change                                                                          |
|------------------------------------------------------------------------------------|
| (Former name, former address and former fiscal year, if changed since last report) |

|   | No o |
|--------|-----------|

| Large accelerated filer o | Accelerated filer  o | Non-accelerated filer o(Do not check if a smaller reporting company.) | Smaller reporting company x |
|--------------------------------|---------------------------|-----------------------------------------------------------------------|----------------------------------|

|   | Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b of the Exchange Act). |
|--------|----------------------------------------------------------------------------------------------------------------|

| Yes  o | No x |
|-------------|-----------|

|   | Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if |
|--------|---------------------------------------------------------------------------------------------------------------------|

|   | any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 S-T (§232.405 of this |
|--------|----------------------------------------------------------------------------------------------------------------------|

|   | chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and |
|--------|--------------------------------------------------------------------------------------------------------------------|

|   | post such files). |
|--------|-------------------|

| Common Stock, $0.01 par |   | Outstanding at August 19, 2009: 7,918,217 |
|-------------------------|--------|-------------------------------------------|

----

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        | Page No. |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------|
| Part I - Financial Information                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |     |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |     |
| Item 1 -                Consolidated Financial Statements (Unaudited)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       |     |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |     |
| Condensed Consolidated Statements of Financial Condition as of June 30, 2009and December 31, 2008                                                                                                                                                                                    |  3  |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |     |
| Condensed Consolidated Statements of Operations for the Three Months and SixMonths Ended June 30, 2009 and 2008                                                                                                                                                                      |  4  |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |     |
| Condensed Consolidated Statement of Shareholders' Equity for the Six MonthsEnded June 30, 2009                                                                                                                                                                                       |  5  |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |     |
| Condensed Consolidated Statements of Cash Flows for the Six MonthsEnded June 30, 2009 and 2008                                                                                                                                                                                       |  6  |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |     |
| Notes to Condensed Consolidated Financial Statements                                                                                                                                                                                                                  | 7        |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |     |
| Item 2 - Management's Discussion and Analysis ofFinancial Condition and Results of Operations                                                                                                                                                                    |  19 |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |     |
| Item 3 - Quantitative and Qualitative Disclosures about Market Risk                                                                                                                             | 28       |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |     |
| Item 4 - Controls and Procedures                                                                                                                                                                | 29       |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |     |
| Part II - Other Information                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 |     |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |     |
| Item 1 - Legal Proceedings                                                                                                                                                                      | 30       |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |     |
| Item 1A - Risk Factors                                                                                                                                                                          | 31       |
| Item 4 – Submission of Matters to a Vote of Security Holders                                                                                                                              | 40       |
| Item 5 - Other Information                                                                                                                                                                      | 41       |
| Item 6 – Exhibits                                                                                                                                                                         | 42       |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |     |
| Signatures                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |     |

----

|                                                                                                                                                                           |   | June 30,2009(Unaudited) |               |   | December 31,2008 |   |
|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-------------------------|--------------------|--------|------------------|--------|
| Assets                                                                                                                                                                         |   |                    |               |   |             |   |
| Cash and due from banks                                                                                                                                                        |   | $                       | 26,218,677         |   |             | $      | 11,169,731 |   |
| Interest-bearing demand deposits with banks                                                                                                                                    |   |                    | 84,979,173         |   |             |   | 6,245,791 |   |
| Federal funds sold                                                                                                                                                             |   |                    | 31,016,280         |   |             |   | 28,450,000 |   |
| Cash and Cash Equivalents                                                                                                                                                      |   |                    | 142,214,130        |   |             |   | 45,865,522 |   |
|                                                                                                                                                                           |   |                    |               |   |             |   |   |   |
| Securities available-for sale                                                                                                                                                  |   |                    | 98,714,481         |   |             |   | — |   |
| Securities held-to-maturity, fair value of $203,310,589 in 2008                                                                                                                |   |                    | —            |   |             |   | 199,625,229 |   |
| Other investments                                                                                                                                                              |   |                    | 5,923,097          |   |             |   | 7,987,869 |   |
| Loans held-for-sale                                                                                                                                                            |   |                    | 336,975            |   |             |   | 156,231 |   |
|                                                                                                                                                                           |   |                    |               |   |             |   |   |   |
| Loans, net of unearned income                                                                                                                                                  |   |                    | 579,618,948        |   |             |   | 624,478,243 |   |
| Allowance for loan losses                                                                                                                                                      |   |                    | (28,651,676        | )      |             |   | (36,389,744 | ) |
| Net Loans                                                                                                                                                                      |   |                    | 550,967,272        |   |             |   | 588,088,499 |   |
|                                                                                                                                                                           |   |                    |               |   |             |   |   |   |
| Premises and equipment, net                                                                                                                                                    |   |                    | 24,532,885         |   |             |   | 24,867,557 |   |
| Accrued interest                                                                                                                                                               |   |                    | 3,037,364          |   |             |   | 3,511,261 |   |
| Foreclosed real estate                                                                                                                                                         |   |                    | 83,929,568         |   |             |   | 52,005,241 |   |
| Income taxes receivable                                                                                                                                                        |   |                    | 11,008,713         |   |             |   | 30,483,588 |   |
| Other assets                                                                                                                                                                   |   |                    | 2,322,095          |   |             |   | 2,479,225 |   |
| Total Assets                                                                                                                                                                   |   | $                       | 922,986,580        |   |             | $      | 955,070,222 |   |
|                                                                                                                                                                           |   |                    |               |   |             |   |   |   |
| Liabilities and Shareholders’ Equity                                                                                                                                     |   |                    |               |   |             |   |   |   |
|                                                                                                                                                                           |   |                    |               |   |             |   |   |   |
| Liabilities                                                                                                                                                                    |   |                    |               |   |             |   |   |   |
|                                                                                                                                                                           |   |                    |               |   |             |   |   |   |
| Deposits                                                                                                                                                                       |   |                    |               |   |             |   |   |   |
| Noninterest-bearing                                                                                                                                                            |   | $                       | 54,483,754         |   |             | $      | 60,474,172 |   |
| Interest-bearing                                                                                                                                                               |   |                    | 768,432,182        |   |             |   | 784,954,433 |   |
| Total Deposits                                                                                                                                                                 |   |                    | 822,915,936        |   |             |   | 845,428,605 |   |
|                                                                                                                                                                           |   |                    |               |   |             |   |   |   |
| Accrued interest                                                                                                                                                               |   |                    | 7,103,519          |   |             |   | 4,853,139 |   |
| Deferred compensation                                                                                                                                                          |   |                    | 143,593            |   |             |   | 166,491 |   |
| FHLB advances                                                                                                                                                                  |   |                    | 50,000,000         |   |             |   | 50,000,000 |   |
| Subordinated debentures                                                                                                                                                        |   |                    | 30,929,000         |   |             |   | 30,929,000 |   |
| Other liabilities                                                                                                                                                              |   |                    | 3,361,762          |   |             |   | 3,362,046 |   |
| Total Liabilities                                                                                                                                                              |   |                    | 914,453,810        |   |             |   | 934,739,281 |   |
|                                                                                                                                                                           |   |                    |               |   |             |   |   |   |
| Shareholders’ Equity                                                                                                                                                     |   |                    |               |   |             |   |   |   |
|                                                                                                                                                                           |   |                    |               |   |             |   |   |   |
| Preferred stock - par value $0.01 per share, 5,000,000 shares authorized, none issued and outstanding at June 30, 2009 and December 31, 2008                                   |   |                    |   —     |   |             |   |   — |   |
| Common stock - par value $0.01 per share, 25,000,000 shares authorized, 25,000,000 and 7,918,217 shares issued and outstanding at June 30, 2009 and at December 31, 2008  |   |                    |   79,182 |   |             |   |   79,182 |   |
| Paid-in capital                                                                                                                                                                |   |                    | 18,556,761         |   |             |   | 18,529,677 |   |
| (Accumulated deficit)/retained earnings                                                                                                                                        |   |                    | (8,854,440         | )      |             |   | 2,076,265 |   |
| Accumulated other comprehensive income (loss)                                                                                                                                  |   |                    | (1,248,733         | )      |             |   | (354,183 | ) |
| Total Shareholders’ Equity                                                                                                                                               |   |                    | 8,532,770          |   |             |   | 20,330,941 |   |
|                                                                                                                                                                           |   |                    |               |   |             |   |   |   |
| Total Liabilities and Shareholders’ Equity                                                                                                                               |   | $                       | 922,986,580        |   |             | $      | 955,070,222, |   |

----

|                                                          |   | Three Months   |       |   | Six Months     |   |
|---------------------------------------------------------------|--------|----------------|------------|--------|----------------|--------|
|                                                          |   | Ended June 30, |       |   | Ended June 30, |   |
|                                                          |   | 2009           |       |   | 2008           |   |   | 2009 |   |   | 2008 |   |
| Interest Income                                               |   |           |       |   |           |   |   |   |   |   |   |   |
| Interest and fees on loans                                    |   | $              | 6,174,891  |   |           | $      | 10,755,887 |   |   | $ | 13,486,951 |   |   | $ | 23,235,971 |   |
| Interest and dividends on taxablesecurities                   |   |           | 1,854,217  |   |           |   | 1,644,265 |   |   |   |  4,096,001 |   |   |   | 3,046,232 |   |
| Interest on tax-exempt securities                             |   |           | 158,800    |   |           |   | 208,926 |   |   |   | 367,637 |   |   |   | 417,647 |   |
| Interest on federal funds soldand other interest income       |   |           | 23,184     |   |           |   | 76,801 |   |   |   | 39,931 |   |   |   |  266,723 |   |
| Total Interest Income                                         |   |           | 8,211,092  |   |           |   | 12,685,879 |   |   |   | 17,990,520 |   |   |   | 26,966,573 |   |
|                                                          |   |           |       |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Interest Expense                                              |   |           |       |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Interest on deposits                                          |   |           | 7,120,472  |   |           |   | 6,652,120 |   |   |   | 14,458,182 |   |   |   | 13,875,444 |   |
| Interest on borrowed funds                                    |   |           | 702,677    |   |           |   | 930,318 |   |   |   | 1,415,590 |   |   |   | 2,109,411 |   |
| Total Interest Expense                                        |   |           | 7,823,149  |   |           |   | 7,582,438 |   |   |   | 15,873,772 |   |   |   | 15,984,855 |   |
|                                                          |   |           |       |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Net Interest Income                                           |   |           | 387,943    |   |           |   | 5,103,441 |   |   |   | 2,116,748 |   |   |   | 10,981,718 |   |
|                                                          |   |           |       |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Provision for loan losses                                     |   |           | 920,000    |   |           |   | 9,606,000 |   |   |   | 3,380,000 |   |   |   | 10,512,000 |   |
|                                                          |   |           |       |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Net Interest Income (Expense) After Provision for Loan Losses |   |           | (532,057   | )      |           |   | (4,502,559 | ) |   |   | (1,263,252 | ) |   |   |  469,718 |   |
|                                                          |   |           |       |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest Income                                            |   |           |       |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Customer service fees                                         |   |           | 377,625    |   |           |   | 382,071 |   |   |   | 757,084 |   |   |   | 729,059 |   |
| Secondary market loan fees                                    |   |           | 39,485     |   |           |   | 23,881 |   |   |   | 57,754 |   |   |   | 71,260 |   |
| Gain on sale of other real estate                             |   |           | 27,604     |   |           |   | 54,496 |   |   |   | — |   |   |   | 54,496 |   |
|    Gain on sale of investments.......  |   |           | 3,124,000  |   |           |   | — |   |   |   | 3,124,000 |   |   |   | — |   |
| Other operating income                                        |   |           | 151,036    |   |           |   | 139,463 |   |   |   | 268,341 |   |   |   | 331,784 |   |
| Total Noninterest Income                                      |   |           | 3,719,750  |   |           |   | 599,911 |   |   |   | 4,207,179 |   |   |   | 1,186,599 |   |
|                                                          |   |           |       |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Noninterest Expenses                                          |   |           |       |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Salaries and employee benefits                                |   |           | 2,553,196  |   |           |   | 2,757,148 |   |   |   | 5,088,909 |   |   |   | 5,513,793 |   |
| Occupancy and equipment expense                               |   |           | 891,105    |   |           |   | 1,134,342 |   |   |   | 1,840,537 |   |   |   | 1,797,862 |   |
| Other operating expenses                                      |   |           | 3,408,095  |   |           |   | 2,038,142 |   |   |   | 6,945,186 |   |   |   | 3,819,504 |   |
| Total Noninterest Expenses                                    |   |           | 6,852,396  |   |           |   | 5,929,632, |   |   |   | 13,874,632 |   |   |   | 11,131,159 |   |
|                                                          |   |           |       |   |           |   |   |   |   |   |   |   |   |   |   |   |
| (Loss) before income taxes                                    |   |           | (3,664,703 | )      |           |   | (9,832,280 | ) |   |   | (10,930,705 | ) |   |   | (9,474,842 | ) |
| Income tax expense (benefit)                                  |   |           | —    |   |           |   | (3,859,010 | ) |   |   | — |   |   |   | (3,797,231 | ) |
|                                                          |   |           |       |   |           |   |   |   |   |   |   |   |   |   |   |   |

|  Net (Loss) |            $(3,664,703) |   |          $(5,973,270) |    |      $(10,930,705) |   |  $(5,677,611) |
|------------------|--------------------------------------------------------------------------------|--------|---------------------------------------------------------------|--------------|----------------------------------------|--------|--------------------|

|                                                |   |   |      |   |   |   |      |   |   |   |      |   |
|-----------------------------------------------------|--------|--------|-----------|--------|--------|--------|-----------|--------|--------|--------|-----------|--------|
| Basic earnings per common share                     |   | $      | (0.46     | )      |   | $      | (0.75     | )      |   | $      | (1.38     | )      |   | $ | (0.72 | ) |
| Diluted earnings per common share                   |   |   | (0.46     | )      |   |   | (0.75     | )      |   |   | (1.38     | )      |   |   | (0.71 | ) |
|                                                |   |   |      |   |   |   |      |   |   |   |      |   |   |   |   |   |
| Cash dividends declaredper common share             |   |   | 0.00      |   |   |   | 0.00      |   |   |   | 0.00      |   |   |   |  0.00 |   |
|                                                |   |   |      |   |   |   |      |   |   |   |      |   |   |   |   |   |
| Weighted average commonshares outstanding - basic   |   |   | 7,918,217 |   |   |   | 7,918,217 |   |   |   | 7,918,217 |   |   |   |  7,918,069 |   |
| Weighted average commonshares outstanding - diluted |   |   | 7,918,217 |   |   |   | 7,989,320 |   |   |   | 7,918,217 |   |   |   |  8,010,619 |   |

----

|                         |     PreferredStock                                | CommonStock             | Paid-inCapital               | (Accumulated Deficit)RetainedEarnings                | Accumulated ComprehensiveLoss                        | Total            |
|------------------------------|----------------------------------------------------------------------------|-------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------|------------------------------------------------------|-------------------------------------------------------------------------|
|                         |                                                                       |                                                                                |                                                                                               |                                                                                                                            |                                                 |                                                                    |
| Balance at December 31, 2008 | $           — | $     79,182                                               | $18,529,677                                                                                        | $2,076,265                                                                                                                      | $       (354,183) | $20,330,941                                                             |
|                         |                                                                       |                                                                                |                                                                                               |                                                                                                                            |                                                 |                                                                    |

| Net loss - six months endedJune 30, 2009 |  — |  — |  — |  (10,930,705) |  — |  (10,930,705) |
|------------------------------------------|---------------|---------------|---------------|--------------------|---------------|--------------------|

|                                                                                                                   |                                                                       |                            |          |          |                                                                  |                                    |
|------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------|---------------------------------|---------------|---------------|-----------------------------------------------------------------------|-----------------------------------------|
| Unrealized loss on available-for-salesecurities............................... |  —                                                              |  —                   |  — |  — |           (894,550) |      (894,550) |
|                                                                                                                   |                                                                       |                            |          |          |                                                                  |                                    |
| Stock-based compensation expense                                                                                       | —                                                                    | —                         | 27,084        | —       |                                                                  | 27,084                                  |
|                                                                                                                   |                                                                       |                            |          |          |                                                                  |                                    |
| Balance at June 30, 2009                                                                                               | $           — | $    79,182 | $18,556,761   | $(8,854,440)  | $    (1,248,733)                                  | $8,532,770                              |

----

|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   | Six Months     |             |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|----------------|------------------|
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   | Ended June 30, |             |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   | 2009           |             |   | 2008 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |           |             |   |   |   |
| Operating Activities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |           |             |   |   |   |
| Net (Loss)                                                                                                                                                                                               |   | $              | (10,930,705      | ) |   | $ | (5,677,611 | ) |
| Adjustments to reconcile net loss to net cash  provided by operating activities:                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |   |           |             |   |   |   |   |   |
| Provision for loan losses                                                                                                                                                                                                         |   |           | 3,380,000        |   |   |   | 10,512,000 |   |
| Compensation associated with the issuanceof options, net of tax                                                                                                                                                                             |   |           |  27,084     |   |   |   | 9,636 |   |
| Depreciation, amortization, and accretion, net                                                                                                                                                                                    |   |           | 480,156          |   |   |   | 538,200 |   |
|          (Gain) loss on sale of foreclosed real estate                                                                                       |   |           | 4,950            |   |   |   | (54,496 | ) |
|          (Gain) on sale of investment securities                                                                                             |   |           | (3,124,000       | ) |   |   | — |   |
|          Valuation adjustments on foreclosed real estate                                                                                     |   |           | (2,337,959       | ) |   |   | 449,839 |   |
| Decrease in accrued interest receivable                                                                                                                                                                  |   |           | 473,897          |   |   |   | 457,465 |   |
| Increase (decrease) in accrued interest payable                                                                                                                                                          |   |           | 2,250,380        |   |   |   | (713,872 | ) |
| (Increase) decrease in accrued income taxes receivable                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        |   |           | 19,474,875       |   |   |   | (10,174,542 | ) |
| (Increase) decrease in deferred tax asset, net                                                                                                                                                           |   |           | —          |   |   |   | (886,682 | ) |
| Other, net                                                                                                                                                                                               |   |           | 453,678          |   |   |   | 665,158 |   |
| Net Cash Provided (Used) By Operating Activities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |   |           | 10,152,356       |   |   |   | (4,874,905 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |           |             |   |   |   |   |   |
| Investing Activities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |           |             |   |   |   |   |   |
| Purchase of investment securities held-to-maturity                                                                                                                                                       |   |           | —          |   |   |   | (85,718,391 | ) |
|    Sale of investment securities held-to-maturity.........                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         |   |           | 172,422,906      |   |   |   | 2,000,000 |   |
| Proceeds from paydowns of investmentsecurities held-to-maturity                                                                                                                                                    |   |           |  30,415,715 |   |   |   | 6,066,195 |   |
| Purchase of investment securities available-for-sale                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |           | (97,715,411      | ) |   |   | — |   |
| (Purchase) of other investment securities                                                                                                                                                                |   |           | (91,300          | ) |   |   | (1,554,038 | ) |
| Net decrease in loans to customers                                                                                                                                                                       |   |           | 4,524,301        |   |   |   | 25,270,833 |   |
| Purchase of premises and equipment                                                                                                                                                                       |   |           | (196,989         | ) |   |   | (4,348,148 | ) |
|    Proceeds from the sale of other real estate owned............                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               |   |           | 1,005,661        |   |   |   | 1,965,569 |   |
|    Additions to foreclosed real estate............                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             |   |           | (1,655,962       | ) |   |   | 1,965,569 |   |
| Net Cash Provided (Used) By Investing Activities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |   |           | 108,708,921      |   |   |   | (56,317,980 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |           |             |   |   |   |   |   |
| Financing Activities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |           |             |   |   |   |   |   |
| Net (increase) decrease in deposits                                                                                                                                                                      |   |           | (22,512,669      | ) |   |   | 49,547,119 |   |
| Increase/(decrease) in short-term borrowings                                                                                                                                                             |   |           | —          |   |   |   | 18,141,000 |   |
| Net decrease in FHLB advances                                                                                                                                                                            |   |           | —          |   |   |   | (5,000,0000 | ) |
| Net Cash Provided (Used) By Financing Activities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |   |           | (22,512,669      | ) |   |   | (62,688,119 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |           |             |   |   |   |   |   |
| Net Increase in Cash and Cash Equivalents                                                                                                                                                 |   |           | 96,348,608       |   |   |   | 1,495,234 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |           |             |   |   |   |   |   |
| Cash and Cash Equivalents at Beginning of Period                                                                                                                                          |   |           | 45,865,522       |   |   |   | 14,729,315 |   |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |   |           |             |   |   |   |   |   |
| Cash and Cash Equivalents at End of Period                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    |   | $              | 142,178,130      |   |   | $ | 16,224,549 |   |

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|   | • |   | Adherance to a Capital Plan to maintain the Tier 1 Leverage Ratio and the Total Risk Based Capital Ratio of at least 8% and 12%, respectively, which are above current levels and the levels necessary to be categorized as “well capitalized” as defined by Prompt Corrective Action regulations. |
|--------|---------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   | • |   | The ratio of certain “classified assets” to Tier 1 Risk Based Capital and Loan Loss Reserves must be reduced to prescribed levels by dates beginning February 28, 2009.                                                                                                                            |
|   | • |   | Reduction of the Bank’s credit concentration risk.                                                                                                                                                                                                                                                       |

|   | • |    | FCBI’s resources will be used to support the Bank.                    |                                                                   |
|--------|---------|---------|-----------------------------------------------------------------------------|------------------------------------------------------------------------|
|   | • |    | No dividends may be paid on common stock without prior regulatory approval. |                                                                   |
|   |    | • |                                                                        | Additional debt may not be incurred without prior regulatory approval. |

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|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | June 30,2009                |   | December 31,2008               |
|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------------------------------------------------------------------------------------------------|--------|-------------------------------------|
| Loan commitments                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  | $    36,197,000                                                                    |   | $    48,190,000 |
| Standby letters of credit                                                                                     | 1,326,000                                                                                              |   | 1,471,000                           |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              |                                                                                                   |   |                                |
|                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              | $    37,523,000                                                                    |   | $    49,661,000 |

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|                            |   | 06/30/2009     |    |   | 12/31/2008     |   |
|---------------------------------|--------|----------------|---------|--------|----------------|--------|
|                            |   | CarryingAmount |    |   | FairValue      |   |   | CarryingAmount |   |   | FairValue |   |
|                            |   | (in thousands) |    |   | (in thousands) |   |
| Financial Assets                |   |           |    |   |           |   |   |   |   |   |   |   |
| Cash and short-term investments |   | $              | 142,214 |   |           | $      | 142,214 |   |   | $ | 45,866 |   |   | $ | 45,866 |   |
| Securities                      |   |           | 98,714  |   |           |   | 98,714 |   |   |   | 199,625 |   |   |   | 203,311 |   |
| Other investments               |   |           | 5,923   |   |           |   | 5,923 |   |   |   | 7,988 |   |   |   | 7,988 |   |
| Loans held-for-sale             |   |           | 337     |   |           |   | 337 |   |   |   | 156 |   |   |   | 156 |   |
| Loans                           |   |           | 579,619 |   |           |   | 570,882 |   |   |   | 624,478 |   |   |   | 628,562 |   |
| Accrued interest receivable     |   |           | 3,037   |   |           |   | 3,037 |   |   |   | 3,511 |   |   |   | 3,511 |   |
|                            |   |           |    |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Financial Liabilities           |   |           |    |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Deposits                        |   | $              | 822,916 |   |           | $      | 835,484 |   |   | $ | 845,429 |   |   | $ | 863,237 |   |
| Accrued interest payable        |   |           | 7,103   |   |           |   | 7,103 |   |   |   | 4,853 |   |   |   | 4,853 |   |
| Long-term debt                  |   |           | 80,929  |   |           |   | 83,305 |   |   |   | 80,929 |   |   |   | 85,513 |   |
|                            |   |           |    |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Financial Instruments           |   |           |    |   |           |   |   |   |   |   |   |   |   |   |   |   |
| Commitments to extend credit    |   | $              | 36,197  |   |           | $      | 362 |   |   | $ | 48,190 |   |   | $ | 482 |   |
| Standby letters of credit       |   |           | 1,326   |   |           |   | 13 |   |   |   | 1,471 |   |   |   | 15 |   |

|   | Level 2 - Observable inputs including quoted prices (other than level 1) in active markets for similar assets or liabilities, quoted prices for identical or similar assets or liabilities in markets that are not active, inputs other than quoted prices that are observable for the asset or liability such as interest rates, yield curves, volatilities and defaultrates, and inputs that are derived principally from or corroborated by observable market data. |
|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|   | Level 3 - Unobservable inputs reflect the reporting entity’s own assumptions about the assumptions market participants would use in pricing the asset or liability based on the best information available. |
|--------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

|                          |   |       |       |   | Fair Value Measurement at Report Date Using |   |
|-------------------------------|--------|------------|------------|--------|---------------------------------------------|--------|
|                          |   | Fair Value |       |   | Quoted Prices in Active MarketsLevel 1      |   |   | Significant Other Observable InputsLevel 2 |   |   | Significant Unobservable InputsLevel 3 |   |
|                          |   |       |       |   |                                        |   |   |   |   |   |   |   |
| Securities available-for-sale |   | $          | 98,714,481 |   |                                        | $      | — |   |   | $ | 98,714,481 |   |   | $ | — |   |
|  Total Assets            |   | $          | 98,714,481 |   |                                        | $      | — |   |   | $ | 98,714,481 |   |   | $ | — |   |

----

|                   |   |                         |        |   | Fair Value Measurement at Report Date Using |   |
|------------------------|--------|------------------------------|-------------|--------|---------------------------------------------|--------|
|                   |   |    Fair Value |        |   | Quoted Prices in Active MarketsLevel 1      |   |   | Significant Other Observable InputsLevel 2 |   |   | Significant Unobservable InputsLevel 3 |   |
|                   |   |                         |        |   |                                        |   |   |   |   |   |   |   |
| Impaired loans         |   | $                            | 179,372,078 |   |                                        | $      | — |   |   | $ | — |   |   | $ | 179,372,078 |   |
| Foreclosed real estate |   |                         | 83,929,568  |   |                                        |   | — |   |   |   | — |   |   |   | 83,929,568 |   |
|                   |   |                         |        |   |                                        |   |   |   |   |   |   |   |   |   |   |   |
| Total Assets           |   | $                            | 263,301,646 |   |                                        | $      | — |   |   | $ | — |   |   | $ | 263,301,646 |   |

|                                                        |   | 06/30/2009 |       |   | 12/31/2008 |   |
|-------------------------------------------------------------|--------|------------|------------|--------|------------|--------|
|                                                        |   |       |       |   |       |   |
| Unrealized gains (losses) on securities:                    |   |       |       |   |       |   |
| Unrealized holding gains (losses) arising during the period |   | $          | 2,229,450  |   |       | $      | (354,183 | ) |
| Reclassification adjustments                                |   |       | (3,124,000 | )      |       |   | — |   |
|                                                        |   |       |       |   |       |   |   |   |
| Net unrealized gains (losses)                               |   |       | (894,550   | )      |       |   | (354,183 | ) |
| Income tax related to items of other comprehensive income   |   |       | —    |   |       |   | — |   |
|                                                        |   |       |       |   |       |   |   |   |
| Other comprehensive income (loss)                           |   | $          | (894,550   | )      |       | $      | (354,183 | ) |

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|                                                              |   | June30, 2009           |    |   | December  31, 2008 |   |    | December  31, 2007 |   |   | December  31, 2006 |   |   | December  31, 2005 |    |
|-------------------------------------------------------------------|--------|------------------------|---------|--------|-------------------------|--------|---------|-------------------------|--------|--------|------------------------------|--------|--------|-------------------------|---------|
|                                                              |   | (Dollars in thousands) |    |
|                                                              |   |                   |    |   |                    |   |    |                    |   |   |                         |   |   |                    |    |
| Allowance for loan losses at beginning of year                    |   | $                      | 36,390  |   |                    | $      | 18,309  |                    |   | $      | 13,590                       |   |   | $                       | 11,523  |   |   | $ | 9,791 |   |
| Loans charged off:                                                |   |                   |    |   |                    |   |    |                    |   |   |                         |   |   |                    |    |   |   |   |   |   |
| Commercial, financial and agricultural                            |   |                   | 259     |   |                    |   | 1,475   |                    |   |   | 734                          |   |   |                    | 35      |   |   |   | 131 |   |
| Real estate – mortgage                                      |   |                   | 10,889  |   |                    |   | 49,548  |                    |   |   | 1,485                        |   |   |                    | 118     |   |   |   | — |   |
| Consumer                                                          |   |                   | 65      |   |                    |   | 193     |                    |   |   | 122                          |   |   |                    | 111     |   |   |   | 50 |   |
| Total loans charged off                                           |   |                   | 11,213  |   |                    |   | 51,216  |                    |   |   | 2,341                        |   |   |                    | 264     |   |   |   | 181 |   |
|                                                              |   |                   |    |   |                    |   |    |                    |   |   |                         |   |   |                    |    |   |   |   |   |   |
| Recoveries on loans previously charged off:                       |   |                   |    |   |                    |   |    |                    |   |   |                         |   |   |                    |    |   |   |   |   |   |
| Commercial, financial and agricultural                            |   |                   | 58      |   |                    |   | 123     |                    |   |   | 9                            |   |   |                    | 6       |   |   |   | 24 |   |
| Real estate – mortgage                                      |   |                   | 26      |   |                    |   | 28      |                    |   |   | 139                          |   |   |                    | — |   |   |   | 2 |   |
| Consumer                                                          |   |                   | 11      |   |                    |   | 16      |                    |   |   | 44                           |   |   |                    | 29      |   |   |   | 125 |   |
| Total recoveries                                                  |   |                   | 95      |   |                    |   | 167     |                    |   |   | 192                          |   |   |                    | 35      |   |   |   | 151 |   |
|                                                              |   |                   |    |   |                    |   |    |                    |   |   |                         |   |   |                    |    |   |   |   |   |   |
| Net loans charged off (recovered)                                 |   |                   | 11,118  |   |                    |   | 51,049  |                    |   |   | 2,149                        |   |   |                    | 229     |   |   |   | 30 |   |
|                                                              |   |                   |    |   |                    |   |    |                    |   |   |                         |   |   |                    |    |   |   |   |   |   |
| Provision for loan losses                                         |   |                   | 3,380   |   |                    |   | 69,130  |                    |   |   | 6,868                        |   |   |                    | 2,296   |   |   |   | 1,762 |   |
|                                                              |   |                   |    |   |                    |   |    |                    |   |   |                         |   |   |                    |    |   |   |   |   |   |
| Allowance for loan losses at end of period                        |   | $                      | 28,652  |   |                    | $      | 36,390  |                    |   | $      | 18,309                       |   |   | $                       | 13,590  |   |   | $ | 11,523 |   |
|                                                              |   |                   |    |   |                    |   |    |                    |   |   |                         |   |   |                    |    |   |   |   |   |   |
| Loans, net of unearned income, at end of period                   |   | $                      | 579,619 |   |                    | $      | 624,478 |                    |   | $      | 761,431                      |   |   | $                       | 869,608 |   |   | $ | 791,609 |   |
|                                                              |   |                   |    |   |                    |   |    |                    |   |   |                         |   |   |                    |    |   |   |   |   |   |
| Average loans, net of unearned income, outstanding for the period |   |                   | 587,710 |   |                    |   | 701,334 |                    |   |   | 812,603                      |   |   |                    | 876,604 |   |   |   | 670,885 |   |
|                                                              |   |                   |    |   |                    |   |    |                    |   |   |                         |   |   |                    |    |   |   |   |   |   |
| Ratio of net charge-offs to net average loans                     |   |                   | 0.19    | %      |                    |   | 7.28    | %                       |   |   | 0.26                         | %      |   |                    | 0.03    | % |   |   | 0.00 | % |

|                             |   |      |    |   | Percentage        |   |   |       |   |   | Percentage        |   |
|----------------------------------|--------|-----------|---------|--------|-------------------|--------|--------|------------|--------|--------|-------------------|--------|
| Loan Analysis                    |   | 6/30/2009 |    |   | of Tier 1 capital |   |   | 12/31/2008 |   |   | of Tier 1 capital |   |
|                             |   |      |    |   | Plus ALLL         |   |   |       |   |   | plus ALLL         |   |
| Substandard                      |   | $         | 142,785 |   |              |   | 211.84 | %          |   | $      | 199,330           |   |   |   | 233.91 | % |
| Doubtful                         |   |      | 2,745   |   |              |   | 4.07   | %          |   |   | 6,577             |   |   |   | 7.72 | % |
| Loss                             |   |      | -       |   |              |   | 0.00   | %          |   |   | -                 |   |   |   | 0.00 | % |
| Total                            |   | $         | 145,530 |   |              |   | 215.92 | %          |   | $      | 205,907           |   |   |   | 241.62 | % |
|                             |   |      |    |   |              |   |   |       |   |   |              |   |   |   |   |   |
| Tier 1 Capital                   |   | $         | 38,749  |   |              |   |   |       |   | $      | 48,828            |   |   |   |   |   |
| Allowance for loan losses (ALLL) |   |      | 28,652  |   |              |   |   |       |   |   | 36,390            |   |   |   |   |   |
| Total                            |   | $         | 67,401  |   |              |   |   |       |   | $      | 85,218            |   |   |   |   |   |

| (1)   | The total amount of classified assets is higher, but under the Order we are only required to measure the assets that were actually classified at the time of the OFR report. Total classified assets at June 30, 2009, was $343.9 million or 510.22% of Tier 1 capital and the allowance for loan losses, compared to $288.7 million or 338.75% at December 31, 2008. |
|-----------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|                                                                                                                                                                                                                                                                                                                                                                                |   | Estimated Fair Value of Financial Instruments |    |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|-----------------------------------------------|---------|
|                                                                                                                                                                                                                                                                                                                                                                                |   | Down1 Percent                                 |    |   | Up1 Percent |   |   | Down2 Percent |   |   | Up2 Percent |   |
|                                                                                                                                                                                                                                                                                                                                                                                |   | Dollars in Thousands                          |    |
| Interest-earning Assets                                                                                                                                                                                                                                                                                                                                                             |   |                                          |    |   |   |   |   |   |   |   |   |   |
| Loans                                                                                                                                                                                                                                                                                                                                                                               |   | $                                             | 569,986 |   |   | $ | 572,039 |   |   | $ | 569,353 |   |   | $ | 572,317 |   |
| Federal funds sold and cash equivalents                                                                                                                                                                                                                                                                                                                                             |   |                                          | 142,128 |   |   |   | 142,128 |   |   |   | 142,128 |   |   |   | 142,128 |   |
| Securities                                                                                                                                                                                                                                                                                                                                                                          |   |                                          | 109,230 |   |   |   | 97,222 |   |   |   | 115,761 |   |   |   | 91,745 |   |
| Total Interest-earning Assets                                                                                                                                                                                                                                                                                                                                                       |   |                                          | 821,344 |   |   |   | 811,389 |   |   |   | 827,242 |   |   |   | 806,190 |   |
|                                                                                                                                                                                                                                                                                                                                                                                |   |                                          |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Interest-bearing Liabilities                                                                                                                                                                                                                                                                                                                                                        |   |                                          |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Deposits - Savings and demand                                                                                                                                                                                                                                                                                                                                                       |   |                                          | 206,440 |   |   |   | 198,250 |   |   |   | 210,634 |   |   |   | 194,687 |   |
| Deposits - Time                                                                                                                                                                                                                                                                                                                                                                     |   |                                          | 627,300 |   |   |   | 618,866 |   |   |   | 630,729 |   |   |   | 613,756 |   |
| Other borrowings                                                                                                                                                                                                                                                                                                                                                                    |   |                                          | 84,939  |   |   |   | 82,110 |   |   |   | 86,626 |   |   |   | 81,540 |   |
| Total Interest-bearing Liabilities                                                                                                                                                                                                                                                                                                                                                  |   |                                          | 918,679 |   |   |   | 899,226 |   |   |   | 927,989 |   |   |   | 889,983 |   |
|                                                                                                                                                                                                                                                                                                                                                                                |   |                                          |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Net Difference in Fair Value                                                           |   | $                                             | (97,335 | ) |   | $ | (87,837 | ) |   | $ | (100,747 | ) |   | $ | (83,793 | ) |
|                                                                                                                                                                                                                                                                                                                                                                                |   |                                          |    |   |   |   |   |   |   |   |   |   |   |   |   |   |
| Change in Net Interest Income                                                          |   | $                                             | 482     |   |   | $ | 513 |   |   | $ | 84 |   |   | $ | 1,682 |   |

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| ·   | total reported loans for construction, land development, and other land of 100% or more of a bank's total capital; or |
|--------------------|-----------------------------------------------------------------------------------------------------------------------|

| ·   | total reported loans secured by multifamily and nonfarm nonresidential properties and loans for construction, land development, and other land of 300% or more of a bank's total capital. |
|--------------------|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

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|   | We are dependent upon the services of our management team |
|--------|-----------------------------------------------------------|

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| ·   | conditions in the regional and national credit, mortgage and housing markets, the markets for securities relating to mortgages or |
|--------------------|-----------------------------------------------------------------------------------------------------------------------------------|

| ·   | housing and developments with respect to financial institutions generally; |
|--------------------|----------------------------------------------------------------------------|

| ·   | market interest rates; |
|--------------------|------------------------|

| ·   | the market for similar securities; |
|--------------------|------------------------------------|

| ·   | government action or regulation; |
|--------------------|----------------------------------|

| ·   | general economic conditions or conditions in the financial markets; |
|--------------------|---------------------------------------------------------------------|

| ·   | changes in global financial markets and global economies and general market conditions, such as interest or foreign exchange rates, stock, commodity or real estate valuations or volatility; |
|--------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|

| ·   | our past and future dividend practice; and |
|--------------------|--------------------------------------------|

| ·   | our financial condition, performance, creditworthiness and prospects. |
|--------------------|-----------------------------------------------------------------------|

----

|                 |   | FOR    |      |   | WITHHELD |   |
|----------------------|--------|--------|-----------|--------|----------|--------|
| Beauford E. Davidson |   |   | 4,488,460 |   |     |   | 153,599 |   |
| Charles Edwards      |   |   | 4,617,081 |   |     |   | 24,978 |   |
| Patrick B. Langford  |   |   | 4,488,460 |   |     |   | 153,599 |   |
| John R. Olliff       |   |   | 4,488,460 |   |     |   | 153,599 |   |
| James O’Quinn  |   |   | 4,613,963 |   |     |   | 28,096 |   |
| Stephen L. Price     |   |   | 4,581,965 |   |     |   | 60,094 |   |
| Bernard T. Rasmussen |   |   | 4,456,462 |   |     |   | 185,597 |   |
| Daniel G. Rosbough   |   |   | 4,581,965 |   |     |   | 60,094 |   |

|                                     FOR               |                                        AGAINST                    |                                                 ABSTAIN                      |
|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 4,393,168                                                                                                                                                                                                                                                                                                  | 229,325                                                                                                                                                                                                                                                                                                                                                        | 19,566                                                                                                                                                                                                                                                                                                                                                                                                                                |

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| Exhibit No. |   | Exhibit                                                         | Page                                                                                                                                                                                                                                                                                                                                                                                                          |
|-------------|--------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|        |   |                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                                                                                          |
|        | 3.1    |                                                                                                                                                                                                                                                                                                                                                    | Articles of Incorporation of FCBI (included as Exhibit 3.1 to FCBI's Registration Statement on Form 8-A filed with the SEC on April 15, 2002, and incorporated herein by reference).                                                                                                                                                                                                                          |   |
|        |   |                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                                                                                          |   |
|        | 3.2    |                                                                                                                                                                                                                                                                                                                                                    | By-laws of FCBI (included as Exhibit 3.2 to FCBI's Registration Statement on Form 8-A filed with the SEC on April 15, 2002, and incorporated herein by reference).                                                                                                                                                                                                                                            |   |
|        |   |                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                                                                                          |   |
|        | 4.1    |                                                                                                                                                                                                                                                                                                                                                    | Subordinated Promissory Note dated December 24, 2001, between Florida Community Bank and Independent Bankers Bank of Florida (included as Exhibit 4.1 to the Bank's Form 10-KSB for the year ended December 31, 2001, and incorporated herein by reference).                                                                                                                                                  |   |
|        |   |                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                                                                                          |   |
|        | 4.2    |                                                                                                                                                                                                                                                                                                                                                    | Specimen Common Stock Certificate of FCBI (included as Exhibit 4.1 to FCBI's Registration Statement on Form 8-A filed with the SEC on April 15, 2002, and incorporated herein by reference).                                                                                                                                                                                                                  |   |
|        |   |                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                                                                                          |   |
|        | 10.1   |                                                                                                                                                                                                                                                                                                                                                    | 2002 Key Employee Stock Compensation Program of FCBI (included as Appendix D to the Bank's Definitive Schedule 14-A filed with the FDIC on March 22, 2002, and incorporated herein by reference).                                                                                                                                                                                                             |   |
|        |   |                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                                                                                          |   |
|        | 10.2   |                                                                                                                                                                                                                                                                                                                                                    | Amended and Restated Trust Agreement among Florida Community Banks, Inc. as depositor, Wilmington Trust Company as property trustee, Wilmington Trust Company, as Delaware trustee, and Stephen L. Price, and Thomas V. Ogletree as administrators, dated as of June 21, 2002 (included as Exhibit 10.3 to the Company's Form 10-Q for the quarterended June 30, 2002, and incorporated herein by reference). |   |
|        |   |                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                                                                                          |   |
|        | 10.3   |                                                                                                                                                                                                                                                                                                                                                    | Guarantee Agreement between Florida Community Banks, Inc. as guarantor, and Wilmington Trust Company as guarantee trustee, dated as of June 21, 2002 (included as Exhibit 10.4 to the Company's Form 10-Q for the quarter ended June 30, 2002, and incorporated herein by reference).                                                                                                                         |   |
|        |   |                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                                                                                          |   |
|        | 10.4   |                                                                                                                                                                                                                                                                                                                                                    | Junior Subordinated Indenture between Florida Community Banks, Inc. (as Company) and Wilmington Trust Company (as trustee), dated as of June 21, 2002 (included as Exhibit 10.5 to the Company's Form 10-Q for the quarter ended June 30, 2002, and incorporated herein by reference).                                                                                                                        |   |
|        |   |                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                                                                                          |   |
|        | 10.5   |                                                                                                                                                                                                                                                                                                                                                    | Employee Stock Ownership Plan (included as Exhibit 10.5 to the Company's Form S-8 filed May 6, 2004, and incorporated herein by reference).                                                                                                                                                                                                                                                                   |   |
|        |   |                                                                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                                                                                                                                          |   |
|        | 10.6   |                                                                                                                                                                                                                                                                                                                                                    | Amended and Restated Declaration of Trust, dated as of May 12, 2006, by and among the Company, as Depositor, Wells Fargo Bank, National Association, as Institutional Trustee and Delaware Trustee, and the Administrators named therein (included as Exhibit 10.3 to the Company's Form 8-K filed with the SEC on May 12, 2006, and incorporatedherein by reference).                                        |   |

| Exhibit No. |   | Exhibit  |                                                                                                                                                                                                                                                                                     | Page   |   |
|-------------|--------|---------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------|--------|
|        |   |          |                                                                                                                                                                                                                                                                                     |   |   |
|        | 10.7   |          | Guarantee Agreement, dated as of May 12, 2006, by and between the Company, as Guarantor, and Wells Fargo Bank, National Association, as Guarantee Trustee (included as Exhibit 10.2 to the Company's Form 8-K filed with the SEC on May 12, 2006, and incorporated herein by reference). |   |   |   |
|        |   |          |                                                                                                                                                                                                                                                                                     |   |   |   |
|        | 10.8   |          | Indenture, dated as of May 12, 2006, by and between the Company and Wells Fargo Bank, National Association, as Trustee (included as Exhibit 10.1 to the Company's Form 8-K filed with the SEC on May 12, 2006, and incorporated herein by reference).                                    |   |   |   |
|        |   |          |                                                                                                                                                                                                                                                                                     |   |   |   |
|        | 10.9   |          | Stipulation and Consent of Entry to Cease and Desist. Dated October 17, 2008 (included as Exhibit 10.9 to the Company’s Form 8-K filed with the SEC on November 4, 2008, and incorporated herein by reference).                                                                    |   |   |   |
|        |   |          |                                                                                                                                                                                                                                                                                     |   |   |   |
|        | 10.10  |          | Written Agreement with the Federal Reserve Bank of Atlanta. Dated February 13, 2009 (included as Exhibit 10.10 to the Company’s Form 10-K filed with the SEC on April 15, 2009, and incorporated herein by reference).                                                             |   |   |   |
|        |   |          |                                                                                                                                                                                                                                                                                     |   |   |   |
|        | 11     |          | Statement re: computation of earnings per common share                                                                                                                                                                                                                                   |   |   | 36 |   |
|        |   |          |                                                                                                                                                                                                                                                                                     |   |   |   |   |
|        | 14     |          | Code of Ethics (included as Exhibit 99.1 to the Company's Form 8-K filed on March 3, 2003, and incorporated herein by reference.)                                                                                                                                                        |   |   |   |   |
|        |   |          |                                                                                                                                                                                                                                                                                     |   |   |   |   |
|        | 31.1   |          | Chief Executive Officer - Certification of principal executive officer pursuant to the Exchange Act Rule 13(a)-14(a) or 15(d)-14(a).                                                                                                                                                     |   |   | 37 |   |
|        |   |          |                                                                                                                                                                                                                                                                                     |   |   |   |   |
|        | 31.2   |          | Chief Financial Officer - Certification of principal financial officer pursuant to the Exchange Act Rule 13(a)-14(a) or 15(d)-14(a).                                                                                                                                                     |   |   | 38 |   |
|        |   |          |                                                                                                                                                                                                                                                                                     |   |   |   |   |
|        | 32.1   |          | Chief Executive Officer - Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.                                                                                                                                        |   |   | 39 |   |
|        |   |          |                                                                                                                                                                                                                                                                                     |   |   |   |   |
|        | 32.2   |          | Chief Financial Officer - Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.                                                                                                                                        |   |   | 40 |   |

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|                                                                                                                                                                                                                                                                                                                                      |                                                                                                                                                                                                                                                                                          |
|-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| By:  /s/ Stephen L. Price                                                  | August 19, 2009                                              |
| Stephen L. Price                                                                                                                                                                                                                                                                                                                          | Date                                                                                                                                                                                                                                                                                          |
| Principal Executive OfficerPresident, Chief Executive Officer                                                                                                                                                                                                                                                                             |                                                                                                                                                                                                                                                                                          |
| And Chairman of the Board of Directors                                                                                                                                                                                                                                                                                                    |                                                                                                                                                                                                                                                                                          |
|                                                                                                                                                                                                                                                                                                                                      |                                                                                                                                                                                                                                                                                          |
| By:  /s/ Guy W. Harris                                                     | August 19, 2009                                              |
| Guy W. Harris                                                                                                                                                                                                                                                                                                                             | Date                                                                                                                                                                                                                                                                                          |
| Principal Financial OfficerSenior Vice president  & Chief Financial Officer                                                                                                                                                                                                                                                 |                                                                                                                                                                                                                                                                                          |
|                                                                                                                                                                                                                                                                                                                                      |                                                                                                                                                                                                                                                                                          |

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