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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 NO. 2 TO PROSPECTUS DATED MAY 19, 1999
Citizens Bancshares of Southwest Florida, Inc. has elected to extend the
expiration date of its public offering to February 13, 2000. As of the date of
this supplement, gross proceeds of approximately $11,013,000 have been received
by Citizens Bancshares in the offering. On August 20, 1999, the Company used
$9.7 million of the net proceeds of the offering to purchase 100% of the
capital stock of Citizens National Bank of Southwest Florida, which opened for
business on the same date. The net proceeds of any sales of common stock during
this extension will be immediately available to Citizens Bancshares and will be
applied to its general working capital.
The date of this prospectus supplement is November 15, 1999
