David G. Powers

United Heritage Bankshares of Florida, Inc. provides consumer and commercial banking services to individuals, businesses and industries in the Orange and Seminole Counties area of Florida. The basic services offered by the Company include: demand interest-bearing and noninterest-bearing accounts, money-market deposit accounts, NOW accounts, time deposits, safe deposit services, credit cards, cash management, direct deposits, notary services, money orders, night depository, travelers' checks, cashier's checks, domestic collections, savings bonds, bank drafts, automated teller services, drive-in tellers, and banking by mail. The Company primarily makes secured and unsecured commercial and real estate loans and issues stand-by letters of credit. The Company provides automated teller machine cards, as a part of the STAR ATM Network, thereby permitting customers to utilize the convenience of larger ATM networks