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                          FORM OF PROXY - ENTERBANK



                                                               Exhibit 99.1

         THIS PROXY IS SOLICITED ON BEHALF OF THE BOARD OF DIRECTORS
                         OF ENTERBANK HOLDINGS, INC.

   The undersigned acknowledges receipt of the Notice of Special Meeting of
Shareholders of Enterbank Holdings, Inc., a Delaware corporation, and the
accompanying joint proxy statement/prospectus dated May 11, 2000, and revoking
any proxy heretofore given, hereby constitutes and appoints Fred H. Eller,
Ronald E. Henges and Kevin C. Eichner, and any of them, with full power of
substitution, as attorneys and proxies to appear and vote all of the shares of
common stock of Enterbank Holdings, Inc.. standing in the name of the
undersigned which the undersigned could vote if personally present and acting
at the Special Meeting of Shareholders of Enterbank Holdings, Inc. to be held
at Enterprise Bank, Sunset Hills, 3890 S. Lindbergh Blvd., St. Louis, Missouri
on June 20, 2000 at 9:00 a.m., local time, or at any adjournments or
postponements thereof, upon the following items as set forth in the Notice of
Special Meeting and more fully described in the joint proxy
statement/prospectus.

      1.  Approval of Merger Agreement. To consider and vote upon a proposal
          to approve the Agreement and Plan of Merger, dated as of January 5,
          2000, as amended, between Enterbank Holdings, Inc. and Commercial
          Guaranty Bancshares, Inc. and the transactions contemplated by the
          merger agreement, including the resulting issuance of shares of
          Enterbank Holdings, Inc. common stock in connection with the merger
          of Enterbank Acquisition Corp. I with Commercial Guaranty
          Bancshares, Inc.

           [_] FOR                  [_] AGAINST             [_] ABSTAIN

      2.  Other Business. The proxies are authorized to vote in their
          discretion on such other matters as may properly come before the
          meeting or any adjournment or postponement thereof.


THIS PROXY IS SOLICITED BY AND ON BEHALF OF THE BOARD OF DIRECTORS AND MAY BE
REVOKED PRIOR TO ITS EXERCISE. THIS PROXY, WHEN PROPERLY EXECUTED, WILL BE
VOTED IN THE MANNER HEREIN SPECIFIED BY THE UNDERSIGNED SHAREHOLDER. IF NO
DIRECTION IS INDICATED, THIS PROXY WILL BE VOTED IN FAVOR OF PROPOSAL 1 AND
IN ACCORDANCE WITH THE DISCRETION OF THE PROXIES ON ANY OTHER MATTERS TO COME
BEFORE THE SPECIAL MEETING.

 2

Number of Common Shares -----                   Dated ----------------, 2000

I/We [_] do or [_] do not expect to attend this meeting.


                                    SHAREHOLDER(S)



                                    ------------------------------------------
                                    (Signature)


                                    ------------------------------------------
                                    (Signature)


                                    (Please mark, date and sign this proxy
                                    exactly as your name appears hereon and
                                    return this proxy promptly in the enclosed
                                    envelope. Executors, administrators,
                                    guardians, officers of the corporation and
                                    others signing in a fiduciary capacity
                                    should state their full titles as such. If
                                    shares are held by joint tenants or as
                                    community property, both should sign.)

                       DO NOT FOLD, STAPLE OR MUTILATE

WHETHER OR NOT YOU PLAN TO ATTEND THE SPECIAL MEETING, YOU ARE URGED TO MARK,
SIGN, DATE AND PROMPTLY RETURN THIS PROXY, USING THE ENCLOSED ENVELOPE.