Exhibit 99.1

PHASE I AND PHASE II                               MARCO COMMUNITY BANCORP, INC.
STOCK ORDER FORM
& CERTIFICATION



Note:  Please  read the Order  Form  Guide  and  Instructions  contained  in the
       Prospectus

- --------------------------------------------------------------------------------


Deadline: The offering began __________________.  A condition of the offering is
that the minimum  offering (sale of 800,000 units,  each unit  consisting of one
share of common stock and one warrant  entitling the holder  thereof to purchase
one quarter of one share of  additional  common  stock) must be  completed on or
before ___________________,  unless extended by the Board of Directors for up to
an  additional  60 days,  or the  offering  will be  terminated.  If the minimum
offering is  consummated,  the first two phases will  continue  until a total of
1,000,000 units have been sold, or until 5:00 p.m., on ________, 2003, whichever
occurs first, unless terminated by us beforehand.

- --------------------------------------------------------------------------------
Number of Units
- --------------------------------------------------------------------------------

      (1) Number of Units          Price Per Unit          (2) Total Amount Due

          --------------                                       ---------------
         |              |     x        $9.00          =       | $             |
          --------------                                       ---------------

The minimum  number of units that may be subscribed  for is 100.  Except for our
directors and employees,  the maximum any individual and their related party may
subscribe for in the offering is 25,000 units.

- --------------------------------------------------------------------------------
Method of Payment
- --------------------------------------------------------------------------------


(3)    Enclosed  is a check,  bank draft or money order  payable to  INDEPENDENT
       BANKERS'  BANK  OF  FLORIDA  FOR  MARCO  COMMUNITY   BANCORP,   INC.  for
       $______________.

- --------------------------------------------------------------------------------
Broker Dealer Name and Address
- --------------------------------------------------------------------------------


(4)    If purchased through a broker/dealer, please list the name, address,  and
       phone number in the space provided.

  Company Name:_____________________     City:_______________________________

  Broker Name:______________________     State:______________   Zip Code:_______

  Street Address:___________________     Phone Number:__________________________

- --------------------------------------------------------------------------------

- --------------------------------------------------------------------------------


Stock Registration               ONE OWNERSHIP PER ORDER FORM
                                                                    
(5)    Form of stock ownership
       |_| Individual            |_| Corporation                             |_| Partnership
       |_| Joint Tenants         |_| *Uniform Transfer or Gift to Minors     |_|  IRA (Custodian Name and Signature Required)
       |_| Tenants in Common     |_| Tenant by the Entireties                |_|  Fiduciary/Trust (Under Agreement Dated ________)
                                    (husband and wife only)


                    * Minor's Social Security Number Required


- ------------------------------------------------------------------------------------------------------------------------------------
                                                                               
Name                                                                            | Social Security or Tax I.D.
- ------------------------------------------------------------------------------------------------------------------------------------
Name                                                                            | Daytime Telephone
- ------------------------------------------------------------------------------------------------------------------------------------
Street Address                                                                  | Evening Telephone
- ------------------------------------------------------------------------------------------------------------------------------------
City                                 State             Zip Code                 | State-of-Residence
- ------------------------------------------------------------------------------------------------------------------------------------





OFFICE USE:   Date Received ________      Check #________      Amount $_________

              Order #________     Category ________    Initials __________


NASD  Affiliation  (This section only applies to those  individuals who meet the
delineated criteria)

|_| Check here if you are a member of the  National  Association  of  Securities
Dealers, Inc. ("NASD"), a person associated with an NASD member, a member of the
immediate  family of any such person to whose  support such person  contributes,
directly or  indirectly,  or the holder of an account in which an NASD member or
person associated with an NASD member has a beneficial interest.  To comply with
conditions under which an exemption from the NASD's  Interpretation with Respect
to Free-Riding and Withholding is available,  you agree, if you have checked the
NASD  affiliation  box:  (1) not to sell,  transfer  or  hypothecate  the  units
subscribed for herein for a period of three months  following the issuance,  and
(2) to report this  subscription in writing to the applicable NASD member within
one day of the payment therefor.

- --------------------------------------------------------------------------------
Acknowledgments
- --------------------------------------------------------------------------------


By signing below:

1.     I  acknowledge  receipt of the  Prospectus  dated_____________,  2003.  I
       understand  that I may not change or revoke my order once it is  received
       by Marco Community Bancorp, Inc. I also certify that this order is for my
       account and not for resale.

2.     I certify that:

       (i) the social  security number or taxpayer  identification  number given
       herein is correct; and (ii) I am not subject to backup withholding.

       If you have been  notified by the Internal  Revenue  Service that you are
       subject to backup  withholding  because of  under-reporting  interest  or
       dividends on your tax return, you must cross out Item (ii) above.

3.     I acknowledge  that I have not waived any rights under the Securities Act
       of 1933 and the Securities Exchange Act of 1934.

4.     I acknowledge that Marco Community Bancorp,  Inc. has the right to accept
       or reject this Stock Order Form in whole or in part.

5.     I certify that I am a bona fide resident of:

       o       Marco  Island,   Goodland  or  Isle  of  Capri,  Florida  or  the
               subdivisions in unincorporated  Collier County,  Florida known as
               Fiddlers Creek or located on Mainsail Drive; or

       o       Another part of Florida.

================================================================================


THIS FORM MUST BE SIGNED AND DATED. THIS ORDER IS NOT VALID IF THE ORDER FORM IS
NOT SIGNED.  YOUR ORDER WILL BE FILLED IN ACCORDANCE  WITH THE PROVISIONS OF THE
PROSPECTUS.

When  purchasing  as a custodian,  corporate  officer,  etc.;  include your full
title.

- --------------------------------------------------------------------------------
Signature                     Title (if applicable)                       Date
- --------------------------------------------------------------------------------

1.
- --------------------------------------------------------------------------------

2.
- --------------------------------------------------------------------------------

3.
- --------------------------------------------------------------------------------
THE UNITS  OFFERED  HEREBY ARE NOT DEPOSITS AND ARE NOT INSURED OR GUARANTEED BY
THE FEDERAL DEPOSIT INSURANCE CORPORATION OR ANY OTHER GOVERNMENTAL AGENCY.

       RETURN THIS FORM TO:          Independent Bankers' Bank of Florida
                                     Post Office Box 958423
                                     Lake Mary, Florida 32795-8423


                         Marco Community Bancorp, Inc.




                        ORDER FORM GUIDE AND INSTRUCTIONS


- --------------------------------------------------------------------------------
Instructions
- --------------------------------------------------------------------------------


Items 1 and 2 - Fill in the  number of units that you wish to  purchase  and the
total  payment due. The amount due is determined  by  multiplying  the number of
units by the purchase price of $9.00 per unit. The minimum purchase is 100 units
and the maximum purchase is 25,000 units, unless you are one of our employees or
directors.  In addition,  all person's  purchases are aggregated,  together with
associates of, and persons acting in concert with such person,  to determine the
maximum permissible purchase.

Marco  Community  Bancorp,  Inc.  ("MCBI")  has reserved the right to reject any
subscription received in the offering, in whole or in part.

Item 3 - Payment  for units or shares may be made by check,  bank draft or money
order made payable to "INDEPENDENT  BANKERS' BANK OF FLORIDA FOR MARCO COMMUNITY
BANCORP,  INC."  PLEASE DO NOT MAIL CASH.  Your funds will be returned  promptly
with interest if the offering is terminated.

Item 4 - If purchasing through a broker/dealer please list the name, address and
phone number in this box.

Item  5 - The  stock  transfer  industry  has  developed  a  uniform  system  of
shareholder  registrations  that we will use in the  issuance  of MCBI's  common
stock and warrants.  Print the name(s) in which you want the shares and warrants
registered and the mailing address of the  shareholder.  Include the first name,
middle initial and last name of the shareholder.  Avoid the use of two initials.
Please omit words that do not affect  ownership  rights,  such as "Mrs.," "Mr.,"
"Dr.," "special account," etc.

PLEASE SEE YOUR LEGAL OR  FINANCIAL  ADVISOR IF YOU ARE UNSURE ABOUT THE CORRECT
REGISTRATION OF YOUR STOCK.

Individual  - The shares and warrants are to be  registered  in an  individual's
name only. You may not list beneficiaries for this ownership.

Tenants in Common - Tenants  in common  may  include  two or more  owners.  When
shares  or  warrants  are held by  tenants  in  common,  upon  the  death of one
co-tenant,  ownership  of the shares or warrants  will be held by the  surviving
co-tenant(s) and by the heirs of the deceased co-tenant.  All parties must agree
to the transfer or sale of shares or warrants held by tenants in common. You may
not list beneficiaries for this ownership.

Individual  Retirement  Account - Individual  Retirement Account ("IRA") holders
may make unit or share purchases from their IRA accounts  through a pre-arranged
"trustee-to-trustee"  transfer.  Shares  and  warrants  may  only  be  held in a
self-directed  IRA. MCBI will not offer a  self-directed  IRA. The  Subscription
Agreement  must be completed and executed by the IRA  Custodian.  Please contact
MCBI if you have any questions about your IRA account.



Uniform  Transfer or Gift to Minors - For  residents of many states,  shares and
warrants may be held in the name of a custodian for the benefit of a minor under
the Uniform  Transfers to Minors Act. For residents in other  states,  shares or
warrants may be held in a similar  type of  ownership  under the Uniform Gift to
Minors Act of the individual states. For either type of ownership,  the minor is
the  actual  owner of the  shares or  warrants  with the adult  custodian  being
responsible for the investment until the child reaches legal age.

On the first  line,  print the first name,  middle  initial and last name of the
custodian,  with the  abbreviation  "CUST" and "Unif Tran Min Act" or "Unif Gift
Min Act" after the name.  Print the first name,  middle initial and last name of
the  minor on the  second  "NAME"  line.  Standard  U.S.  Postal  Service  state
abbreviations  should be used to describe the  appropriate  state.  For example,
shares or warrants held by John Doe as custodian for Susan Doe under the Florida
Transfer to Minors Act will be  abbreviated  John Doe,  CUST Susan Doe Unif Tran
Min Act. FL. Use the minor's Social Security Number.  Only one custodian and one
minor may be designated.

Joint Tenants - Joint Tenants with right of survivorship  identifies two or more
owners.  When  shares  or  warrants  are held by joint  tenants  with  rights of
survivorship,  ownership  automatically  passes to the surviving joint tenant(s)
upon the  death of any joint  tenant.  You may not list  beneficiaries  for this
ownership.

Tenants by the Entireties - Husband and wife only. Essentially the same as Joint
Tenants.

Corporation/Partnership  -  Corporations/Partnerships   may  purchase  units  or
shares. Please provide the Corporation's/ Partnership's legal name and Tax I.D.

Fiduciary/Trust - Generally,  fiduciary  relationships (such as trusts, estates,
guardianships, etc.) are established under a form of trust agreement or pursuant
to  a  court  order.   Without  a  legal   document   establishing  a  fiduciary
relationship,  your  shares or  warrants  may not be  registered  in a fiduciary
capacity.

On the first "NAME" line, print the first name,  middle initial and last name of
the  fiduciary  if  the  fiduciary  is an  individual.  If  the  fiduciary  is a
corporation,  list the corporate  title on the first "NAME" line.  Following the
name,  print  the  fiduciary  "title"  such  as  trustee,   executor,   personal
representative, etc.

On the second "NAME" line, print either the name of the maker, donor or testator
OR the name of the beneficiary.  Following the name,  indicate the type of legal
document establishing the fiduciary relationship (agreement, court order, etc.).
In the blank after  "Under  Agreement  Dated,"  fill in the date of the document
governing the relationship.  The date of the document need not be provided for a
trust created by a will.

An example of  fiduciary  ownership  of stock or warrants in the case of a trust
is: "John D. Smith, Trustee for Thomas A. Smith Trust Under Agreement dated June
9, 1987."

- --------------------------------------------------------------------------------
Definition of Associate
- --------------------------------------------------------------------------------

A person's  associates  consist of the following:  (1) any  corporation or other
organization  (other than MCBI) of which such  person is a director,  officer or
partner or is directly or indirectly the beneficial  owner of 10% or more of any
class of equity  securities;  (2) any trust or other estate in which such person
has a  substantial  beneficial  interest  or as to which such  person  serves as
trustee or in a similar fiduciary capacity,  provided,  however,  that such term
shall not include any tax-qualified employee stock benefit plan of MCBI in which
such person has a substantial beneficial interest or serves as a trustee or in a
similar fiduciary  capacity;  and (3) any spouse of such person, or any relative
of such person, who either has the same home as such person or who is a director
or officer of MCBI.