CITIZENS BANCSHARES OF SOUTHWEST FLORIDA INC, 424B3, 1999-08-20

CITIZENS BANCSHARES OF SOUTHWEST FLORIDA INC
424B3, 1999-08-20
NATIONAL COMMERCIAL BANKS

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                                    Filed Pursuant to Rules 424(b)(3) and 424(c)
                                                   Commission File No. 333-74997

                 CITIZENS BANCSHARES OF SOUTHWEST FLORIDA, INC.

                   SUPPLEMENT TO PROSPECTUS DATED MAY 19, 1999


         Citizens Bancshares of Southwest Florida, Inc. has elected to extend
the expiration date of its public offering to November 15, 1999. As of the date
of this supplement, gross proceeds of approximately $9,893,500 had been received
by Citizens Bancshares in the offering. Management anticipates that Citizens
National Bank of Southwest Florida will open for business during the week of
August 23, 1999.


            The date of this prospectus supplement is August 17, 1999