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The article from last week’s Marco Eagle was unfair and misleading. Marco Community Bank, is a strong supporter of the Marco Eagle and respects their editorial position. However, MCB was not given sufficient time to adequately respond, as well as communicate, our current financial position. From our perspective the article was nothing more than a cut and paste from a newsletter dated six months ago from a Web site known as “TheStreet.Com.” This Web site has no regulatory association and is nothing more than a self-appointed “Bank Watchdog” firm. Therefore, the so called “D-” rating was issued by a stock analyst soliciting his services and not from any federal or state agency.

As a member of the Federal Reserve Bank of Atlanta and a state chartered commercial bank, MCB is FDIC insured. It is also important to remember that we represent perhaps the most highly regulated industry in the country. As a public company, MCB is required by federal regulators to file regular reports which recognize our losses and any loans that we feel may be impaired along with any material changes in the operational status, finances, senior officers or directors. These reports are required to be published within a few days of the change. The written agreement referred to in the article was “old news” which was posted for public review by MCB in August 2007. Banks which are not publicly owned are under much less scrutiny and are not required to make public statements as to their financial conditions.

Like many other financial institutions in the region, MCB has also been affected by the downturn in the Southwest Florida real estate market. We are diligently working with our loan customers to assist them through these difficult economic conditions.

The most vital component of a financial institution is the strength of its capital. The Federal Reserve Bank of Atlanta and the Office of Financial Regulation of Florida categorize a bank to be well capitalized at 5 percent. As of March 31, 2008, MCB’s capital ratio was a robust 11 percent, indicating a strong capital position. In addition, since the last scheduled regulatory examination, the Bank has continued to improve – strengthening its management team with the addition of Richard Storm Jr. as president and CEO; Anthony J. Iannotta as operating officer; Paul Nidasio as chief credit officer/senior lender and David Klein as commercial lender/team leader.

Lastly and more importantly, Marco Community Bank’s Board of Directors would like to thank our friends, shareholders and our loyal customers for their support. In addition, we would like to thank our dedicated employees and Advisory Board Directors.

We invite you to stop in to discuss any questions you may have regarding the Bank’s current position.

Richard Storm, Jr. - President and CEO

Marco Community Bank board of directors:

Robert Marks, chairman

Jack McGowan

Brooks Wood, vice chairman

Stephen McLaughlin

Diane Beyer

Tom Mitchusson

Joel Cox

Anna Pusz

Jamie Greusel

E. Terry Skone

Timothy Truesdell

Anthony Iannotta