DANNY R. METCALF, SR.; MARION R. METCALF; METCALF CRAB COMPANY, INC.; R. M. SPEARS; DONALD L. TUCKER, P.A.; ERIK METCALF; CARL METCALF; NICOLE METCALF; RANDALL REDMOND; SHELLEY METCALF; AND DANNY METCALF, JR. vs DEPARTMENT OF BANKING AND FINANCE AND CITIZENS BANK OF WAKULLA, 99-003474 (1999)