EXHIBIT 99.1
                             MARINE BANCSHARES, INC.


                    PROXY FOR SPECIAL MEETING OF SHAREHOLDERS
                           TO BE HELD ON MAY 29, 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 Pierce T. Neese,
and William L. McDaniel, Jr., or either 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 Thursday, May
29, 2003, at the main office of Marine National Bank, 2325 Vanderbilt Beach
Road, Naples, Florida, at 6:00 p.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 May 29, 2003 special meeting
of shareholders.



Dated:  May 5, 2003



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                                                      (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.