Sterne, Agee & Leach Community Bank Symposium Live Webcast

  BIRMINGHAM, Ala., April 30 /PRNewswire/ -- Sterne, Agee & Leach, Inc. will
host a live webcast of its Community Bank Stock Symposium on Wednesday, May 7,
2003, from 9:00 a.m. until 12:15 p.m. Central Daylight Time.  Investors may
listen to this live listen-only webcast by linking to "Bank Symposium Webcast"
on the Sterne, Agee & Leach website,  The symposium
webcast will be archived and available for 30 days.  The following banks will
present at the indicated times: 

    9:00 a.m.  FFLC Bancorp (Nasdaq: FFLC), Leesburg, Florida
    9:20 a.m.  Savannah Bancorp (Nasdaq: SAVB), Savannah, Georgia
    9:40 a.m.  Britton & Koontz Capital Corporation (Nasdaq: BKBK),
               Natchez, Mississippi
    10:00 a.m. Yadkin Valley Bank and Trust (Nasdaq: YAVY),
               Elkin, North Carolina
    11:00 a.m. FNB Financial Services Corp. (Nasdaq: FNBF), Reidsville,
               North Carolina
    11:20 a.m. First M&F Corp. (Nasdaq: FMFC), Kosciusko, Mississippi
    11:40 a.m. Community Capital Corporation (Amex: CYL), Greenwood,
               South Carolina

  Reservations for the event will be accepted until Tuesday, May 6, 2003.
This event is free to the public, and individuals can register on-line at, or by contacting their local Sterne, Agee & Leach office.
The event will be held at the HealthSouth Conference Center on Highway 280 in
Birmingham, Alabama.  Bank representation is subject to change. 
Sterne, Agee & Leach, Inc., a registered broker/dealer and member of the
New York Stock Exchange, is a subsidiary of the Sterne, Agee & Leach Group,
Inc., a financial services company serving the investment needs of clients
since 1901.  The firm has offices in Alabama, Arkansas, Georgia, Kentucky,
Louisiana, Mississippi, New York, North and South Carolina, and provides a
full array of financial services.  Headquartered in Birmingham, Alabama,
Sterne, Agee & Leach, Inc. is one of the oldest and largest independent
investment firms in the country.  The holding company of Sterne, Agee & Leach
Group consists of Sterne, Agee & Leach, Inc., Sterne, Agee Capital Markets,
SAL Financial Services, Inc., The Trust Company of Sterne, Agee & Leach, Inc.,
and Sterne Agee Asset Management.

SOURCE  Sterne, Agee & Leach Inc. 
-0-                             04/30/2003 
/CONTACT:  Caroline Lyle, VP Marketing of Sterne, Agee & Leach, Inc.,

    /Web site:
    CO:  Sterne, Agee & Leach Inc.; Sterne, Agee & Leach Group, Inc.;
     FFLC Bancorp; Savannah Bancorp; Britton & Koontz Capital Corporation;
     Yadkin Valley Bank and Trust; FNB Financial Services Corp.;

 First M&F Corp.; Community Capital Corporation
ST:  Alabama, Florida, Georgia, Mississippi, North Carolina, South Carolina
-0- Apr/30/2003 13:25 GMT
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