X0201 4 2003-12-10 0 0000846382 INDIAN RIVER BANKING COMPANY IRBC 0001237175 RICHEY DANIEL R 958 20TH PLACE VERO BEACH FL 32960 1 0 0 0 Common Stock 2003-12-10 4 M 0 878 16.74 A 11267 D Common Stock 2003-12-10 4 M 0 2795 19.53 A 14062 D Common Stock 2003-12-10 4 M 0 770 32.73 A 14832 D Options to Purchase Common Stock 16.74 2003-12-10 4 M 0 878 0 D 1999-12-31 2009-12-31 Common Stock 878 0 D Options to Purchase Common Stock 19.53 2003-12-10 4 M 0 2795 0 D 2000-12-31 2010-12-31 Common Stock 2795 0 D Options to Purchase Common Stock 32.73 2003-12-10 4 M 0 770 0 D 2003-01-02 2013-01-02 Common Stock 770 1540 D Includes shares held jointly with spouse and does not include 2,835 shares held in a corporation owned by Mr. Richey. None of this grant. Options vested in three equal instalments commencing 12-31-2000 and ending 12-31-2002. Options vest in equal instalments in December 2003 and 2004. Daniel R. Richey 2003-12-12