SCHEDULE 14-A
                                 (Rule 14a-101)
                            SCHEDULE 14A INFORMATION

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April 3, 2003

Dear Shareholder,

We  recently  mailed to you  proxy  materials  for the 2003  Annual  Meeting  of
Shareholders  of Seacoast  Banking  Corporation  of Florida to be held on May 1,
2003, and according to our records, your vote has not been received.

Your  shares can not be voted  unless you give your  specific  instructions  and
sign, date, and return your proxy card.

Your Board of Directors recommends a vote "FOR" all proposals.

Your vote is extremely  important.  Please vote today,  using the enclosed proxy
card and return envelope.

If you have any questions  regarding the Annual  Meeting,  please call our proxy
solicitor, Morrow & Co., Inc., at 1-800-607-0088.


/s/ Dennis S. Hudson, III
Dennis S. Hudson, III
President and Chief Executive Officer