EXHIBIT 99.1

                             MARINE BANCSHARES, INC.

                    PROXY FOR SPECIAL MEETING OF SHAREHOLDERS
                             TO BE HELD ON [ ], 2003

                      THIS PROXY IS SOLICITED ON BEHALF OF
                            THE BOARD OF DIRECTORS OF
                             MARINE BANCSHARES, INC.

The undersigned holder(s) of common shares of Marine Bancshares, Inc. a Florida
corporation (the "Company"), hereby constitutes and appoints _______________,
_______________ and _______________, or any of them, the Proxy or Proxies of the
undersigned, with full power of substitution, to attend the Special Meeting of
Shareholders (the "Special Meeting") of the Company to be held on [ ], 2003, at
_________________________________, _________________, __________, Florida, at
_____ __.m., local time, and any adjournment thereof, and to vote all of the
common shares of the Company which the undersigned is entitled to vote at the
Special Meeting, or at any adjournment thereof, as follows:

1.       To adopt the Agreement and Plan of Merger between Old Florida
         Bankshares, Inc. and Marine, dated as of December 31, 2002, a copy of
         which is included as Appendix A to the Proxy Statement/Prospectus for
         the Special Meeting, which accompanied this proxy card.

         [ ]  FOR           [ ]   AGAINST            [ ]   ABSTAIN

2.       In their discretion, upon any other business (none known at the time of
         solicitation of this proxy) which properly comes before the Special
         Meeting or any adjournment thereof.

A VOTE FOR PROPOSAL NO. 1 IS RECOMMENDED BY THE BOARD OF DIRECTORS OF THE
COMPANY. WHERE A CHOICE IS INDICATED, THE COMMON SHARES REPRESENTED BY THIS
PROXY CARD WHEN PROPERLY EXECUTED WILL BE VOTED OR NOT VOTED AS SPECIFIED. IF NO
CHOICE IS INDICATED, THE COMMON SHARES REPRESENTED BY THIS PROXY CARD WILL BE
VOTED FOR PROPOSAL NO. 1. IF ANY OTHER MATTERS ARE PROPERLY BROUGHT BEFORE THE
SPECIAL MEETING OR ANY ADJOURNMENT, THE COMMON SHARES REPRESENTED BY THIS PROXY
CARD WILL BE VOTED IN THE DISCRETION OF THE PROXIES ON SUCH MATTERS.

All proxies previously given or executed by the undersigned are hereby revoked.
Receipt is acknowledged of the accompanying Notice of Special Meeting of
Shareholders and Proxy Statement/Prospectus for the _____________, 2003 meeting.

Dated: _________, 2003
                         _______________________________________________________
                         _______________________________________________________
                                              (Signatures)

                         Shareholders should date this proxy card and sign above
                         exactly as name appears at left. If common shares are
                         registered in two names, both shareholders should sign.
                         Executors, administrators, trustees, guardians and
                         others signing in a representative capacity should
                         indicate the capacity in which they sign.