Smallish banking franchise; turnaround situation & sells well under book. VERY thinly traded w/ 8%+- of shares sold short. If nothing else, put it on your watch list. Virtually no coverage (but check out the institutional investors). This is a "back yard" story you'll never get from your broker. This franchise would "plug a hole" in TD's Florida "ground game" by allowing TD to fly the flag from Naples to Destin. Nuff said. "That's all" (think Michael Savage).