Each depositor insured to at least $250,000 per insured bank

1. Introduction
2. Press Release
3. Acquiring Financial Institution
4. Question and Answer Guide
5. Banking Services
6. Loan Customers
7. Possible Claims Against the Failed Institution
8. Priority of Claims
9. Dividend Information
10. Brokered Deposits
11. Purchase and Assumption Agreement (521 kb PDF File - PDF Help)
12. Bid Summary
13. Peoples First Community Bank Contact Information
14. Balance Sheet Summary

The FDIC has assembled useful information regarding your relationship with this institution.  Besides a checking account, you may have Certificates of Deposit, a car loan, a business checking account, a commercial loan, a Social Security direct deposit, and other relationships with the institution.  The FDIC has compiled the following information, which should answer many of your questions.

Your transferred deposits will be separately insured from any accounts you may already have at Hancock Bank for six months after the failure of Peoples First Community Bank. Checks that were drawn on Peoples First Community Bank that did not clear before the institution closed will be honored as long as there are sufficient funds in the account.  If you have questions about your account(s) transferred to the assuming bank, you may speak to an FDIC representative by calling 1-800-523-8177.

For general questions about FDIC deposit insurance coverage, please call 1-877-275-3342 or visit EDIE, the FDIC's Electronic Deposit Insurance Estimator.

EDIE - FDIC's Electronic Deposit Insurance Estimator

You may withdraw your funds from any transferred account without an early withdrawal penalty until you enter into a new deposit agreement with Hancock Bank as long as the deposits are not pledged as collateral for loans. You may view more information about Hancock Bank by visiting their web site.

Hancock Bank (www.hancockbank.com)

As of Saturday, December 19, 2009, you may continue to use the services to which you previously had access, such as safe deposit boxes, night deposit boxes, wire services, etc.

Your checks will be processed as usual.  All outstanding checks will be paid against your available balance(s) as if no change had occurred.  Your new bank will contact you soon regarding any changes in the terms of your account.  If you have a problem with a merchant refusing to accept your check, please contact your branch office.  An account representative will clear up any confusion about the validity of your checks.

All interest accrued through Friday, December 18, 2009, will be paid at your same rate.  Hancock Bank will be reviewing rates.  You will be notified of any changes.

Your automatic direct deposit(s) and/or automatic withdrawal(s) will be transferred automatically to your new bank.  If you have any questions or special requests, you may contact a representative of your assuming institution at your branch office.

For all questions regarding new loans and the lending policies of Hancock Bank, please contact your branch office.

Please see A Borrower’s Guide to an FDIC Insured Bank Failure for additional information.

All shares of Peoples First Community Bank were owned by its holding company, Peoples First Properties, Inc., Panama City, FL. The holding company was not included in the closing of the bank or the resulting receivership. If you are a shareholder of Peoples First Properties, Inc., please do not contact or file a claim with the Receiver. You may contact Peoples First Properties, Inc. directly for information as follows:

Depositors

General Unsecured Creditors

Subordinated Debt

Stockholders

Deposit Broker's Processing Guide