Bancshares of Florida Inc. serves as the holding company for Citizens National Bank of Southwest Florida and Bank of Florida (collectively, the Banks). The Banks provide a full range of commercial and consumer banking services primarily within the Naples and Ft. Lauderdale, Florida areas. The Banks offers a full range of interest-bearing and non-interest-bearing accounts, including commercial and retail checking accounts, money market accounts, individual retirement accounts (IRAs), regular interest-bearing statement savings accounts, certificates of deposit (CDs), commercial loans, real estate loans, home equity loans and consumer/installment loans. In addition, they provide such consumer services as United States savings bonds, travelers checks, cashiers checks, safe deposit boxes, bank-by-mail services, direct deposit and automatic teller services.