The St. Joe Company Reports Full Year Net EBITDA Of $1.92 Per Share, Or $1.66 Per Share Excluding Conservation Land Gains

      Full Year Net Income of $0.83 Per Share, or $0.67 Per Share
                    Excluding Conservation Land Gains

    Fourth Quarter Net EBITDA of $0.54 Per Share, or $0.50 Per Share
                    Excluding Conservation Land Gains

    Fourth Quarter Net Income of $0.23 Per Share, or $0.20 Per Share
                    Excluding Conservation Land Gains

                Outlook For 2002 Shows Continued Growth

Press Release: The St. Joe Company
February 7, 2002
JACKSONVILLE, FL -- The St. Joe Company (NYSE:JOE) yesterday announced that its 2001 earnings before interest, taxes, depreciation and amortization (Net EBITDA) was $162.2 million, or $1.92 per diluted share, compared with $166.2 million, or $1.91 per diluted share, for 2000.

The 2000 results in this release are for JOE Only - that part of St. Joe remaining after the spin-off of St. Joe's 54 percent equity interest in Florida East Coast Industries, Inc. and exclude the non-recurring charges relating to the spin-off and a non-recurring gain.

For the year 2001 Net EBITDA, excluding conservation land gains, was $139.9 million, or $1.66 per share, compared with $122.5 million, or $1.41 per share, for the year 2000, representing increases of 14 percent and 18 percent, respectively.

Conservation land sales produced Net EBITDA of $3.3 million for the fourth quarter of 2001 and $22.3 million for the full year 2001, compared to $28.4 million and $43.7 million for the respective 2000 periods.

``JOE turned in another great year in 2001, providing shareholders with a total return of 26.6 percent,'' said Peter S. Rummell, chairman and CEO of St. Joe. ``That performance highlights the benefits of our unique competitive advantages - from our low-basis, high-quality land to our strong balance sheet. We expect to continue to capitalize on these advantages in 2002 and beyond.''

Net income for the full year 2001 was $70.2 million, or $0.83 per diluted share, compared with $81.9 million, or $0.94 per diluted share, for the previous year.

Net income for the full year 2001, excluding conservation land gains, was $56.4 million, or $0.67 per diluted share, compared with $54.8 million, or $0.63 per diluted share, for the previous year.

Fourth quarter 2001 Net EBITDA was $44.6 million, or $0.54 per diluted share, compared with $61.8 million, or $0.71 per diluted share, for the same quarter in 2000.

Fourth quarter 2001 Net EBITDA, excluding conservation land gains, was $41.2 million, or $0.50 per diluted share, compared with $33.4 million, or $0.38 per diluted share, for the same quarter in 2000, representing increases of 23 percent and 32 percent, respectively.

Fourth quarter 2001 net income was $18.8 million, or $0.23 per diluted share, compared with $33.1 million, or $0.38 per diluted share, in the same quarter of 2000.

Fourth quarter 2001 net income, excluding conservation land gains, was $16.8 million, or $0.20 per diluted share, compared with $15.3 million, or $0.18 per diluted share, for the same quarter in 2000, representing increases of 10 percent and 11 percent, respectively.

``The fourth quarter and full year 2001 earnings exceeded our earlier guidance principally due to higher than expected earnings at Arvida Realty Services and increased sales at Arvida Community Residential Real Estate,'' said Kevin M. Twomey, president and COO of St. Joe.

Table 1 below summarizes Net EBITDA and net income for the full years ended December 31, 2001 and 2000, and for the quarters ended December 31, 2001 and 2000. A reconciliation of net income to Net EBITDA can be found in Table 9.

                                Table 1
                 Excludes Non-Recurring Items in 2000
            (dollars in millions except per share amounts)

                                  Year Ended         Quarter Ended
                                  ----------         -------------
                                Dec 31    Dec 3     Dec 31    Dec 31
                                 2001     2000(1)    2001     2000(1)
                                 ----     ----       ----     ----
Consolidated (as reported)(1)
     Net EBITDA                 $162.2    $203.4    $44.6     $62.8
     Net EBITDA per diluted
      Share                       1.92      2.34     0.54      0.72
     Net income                   70.2      95.0     18.8      33.4
     Net income per diluted Share 0.83      1.09     0.23      0.38

JOE Only(1)
     Net EBITDA                 $162.2    $166.2    $44.6     $61.8
     Net EBITDA per diluted
      Share                       1.92      1.91     0.54      0.71
     Net income                   70.2      81.9     18.8      33.1
     Net income per diluted Share 0.83      0.94     0.23      0.38

Consolidated (as reported)(1)
 without conservation land gains
     Net EBITDA                 $139.9    $159.7    $41.2     $34.4
     Net EBITDA per diluted
      Share                       1.66      1.84     0.50      0.39
     Net income                   56.4      67.9     16.8      15.6
     Net income per diluted Share 0.67      0.78     0.20      0.18

JOE Only(1) without conservation
 land gains
     Net EBITDA                 $139.9    $122.5    $41.2     $33.4
     Net EBITDA per diluted
      Share                       1.66      1.41     0.50      0.38
     Net income                   56.4      54.8     16.8      15.3
     Net income per diluted Share 0.67      0.63     0.20      0.18

(1) St. Joe distributed its 54 percent equity interest in Florida
East Coast Industries (NYSE:FLA.B - news) to its shareholders on October 9,
2000. Net EBITDA reported in this release for 2000 is for JOE Only,
that part of the company remaining after the spin-off.


                          OUTLOOK FOR 2002

``Looking ahead, we see continued growth for 2002 with a strong foundation in place for another good year for JOE,'' said Twomey.

``For 2002's first quarter, we expect Net EBITDA per share, excluding conservation land gains, to be in the $0.30 to $0.33 range, depending on the amount and timing of certain anticipated closings,'' said Twomey. ``Net income for the first quarter, excluding conservation land gains, is expected to be in the $0.08 to $0.10 range per share. As in past years, first quarter results are expected to reflect the seasonal pattern of relatively slow residential real estate sales and brokerage activity.''

For the full year 2002, the company continues to expect Net EBITDA per share, excluding gains from conservation land sales, to increase by approximately 10 percent compared with the previous year. Net income, excluding gains on conservation land, for the full year 2002, is expected to be approximately $1.80 to $1.85 per share. Net income projections include a non-cash contribution of approximately $1.10 per share relating to the gain on the forward sale of equity securities previously described in the company's fourth quarter earnings release dated February 9, 2000.

``Our projections for 2002 are based on the assumption that the current economic situation will continue - with neither a major recovery, nor any further weakening of the economy. In that light, we expect to advance our core strategies in 2002, achieve significant progress in building value for our holdings in Florida's Great Northwest and deliver excellent results for shareholders,'' said Twomey.

``Net EBITDA for Arvida Community Residential Real Estate is projected to increase approximately 10 percent or more, over 2001,'' said Rummell. ``These results reflect continued solid progress at WaterColor, a near tripling of the contribution from WaterSound, and contributions from a number of primary home communities such as James Island, St. John's Golf and Country Club, SouthWood and Victoria Park.

``Importantly, the growing performance of new Arvida communities occurs as the contribution from our highly successful investment in the Arvida/JMB partnership substantially winds up by year-end 2002,'' said Rummell. ``Contributions from the Arvida/JMB partnership in 2002 are expected to be approximately half of what they were last year.

``We expect to make significant progress in the planning and entitlement of resort communities in Gulf, Bay and Franklin counties in Northwest Florida, although they will not contribute to 2002 earnings,'' said Rummell. ``This progress, even without the continuing income from the Arvida/JMB partnership, will position the company for solid earnings growth in 2003 and beyond.''

In 2002, Arvida Realty Services expects to improve Net EBITDA by approximately 5 percent.

During 2002, St. Joe Commercial will continue to focus on the development and sale of retail and commercial properties in Florida's Great Northwest. ``We expect St. Joe Commercial Net EBITDA to be flat, or up modestly, compared with 2001, even without gains totaling $10.2 million from transactions such as the NCCI and IBM projects that occurred last year,'' said Twomey.

``JOE continues to acquire multi-tenant buildings through our strategy to defer taxes on land sale gains,'' said Twomey. ``This source of lease income is expected to grow and become a more meaningful and stable element of our ongoing performance. These buildings produced approximately $9.0 million Net EBITDA in 2001. This source of income should increase by approximately 70 percent in 2002. With the completion of the purchase of an office building in Washington, D.C. on December 27, 2001, the company has acquired over 1.1 million square feet of buildings through this program. We expect to continue to grow this investment and source of income.

``For 2002, we expect continued good results from the St. Joe Land Company, although without the benefit of as many large parcel sales projected for 2002 as in prior years,'' said Twomey. ``Therefore, we are projecting Net EBITDA for St. Joe Land in the low $30 million range.

``Again in 2002, we are working to deliver the best possible results at St. Joe Land Company and beat these projections,'' said Twomey. ``St. Joe Land starts 2002 with a stronger book of contracts than ever, and so far this quarter we've had good results.

``We fully anticipate having sufficient resources available to fund our development, investment and share repurchase programs,'' said Twomey.

Cash demands, particularly for residential development, are expected to be higher this year than in future years, as 2002 includes large capital investments on several projects in the Community Residential segment where related sales activity will occur in future years. Specifically, the company expects to construct condominiums at WaterSound in 2002 depending on an acceptable level of pre-sale activity. However, closings on sales of the condominiums will occur in 2003. The company is also funding infrastructure and amenity construction at the SouthWood and Victoria Park projects. In addition, St. Joe is funding the planning and infrastructure development process for new signature projects in Bay, Franklin, Gulf and St. Johns counties. These projects won't have any sales activity in 2002.

STOCK REPURCHASE PROGRAM

During the fourth quarter of 2001, the company repurchased a total of 948,200 shares.

In 2001, St. Joe repurchased 7,071,300 shares at an average price of $24.68 per share. That represents approximately 8.4 percent of the outstanding shares on December 31, 2000.

At December 31, 2001, the company had 79,509,608 shares outstanding, of which 46,674,300 shares were held by the Alfred I. duPont Testamentary Trust, the majority stockholder of the company, or the Trust's primary beneficiary, The Nemours Foundation.

                                Table 2
                       Stock Repurchase Activity
                        As of December 31, 2001

                     From Public  From Trust    Total    Average Price
                     -----------  ----------  ---------- -------------
Pre-Spin(2)
 Authorization No. 1   6,485,311      -        6,485,311     $23.09
 Authorization No. 2     636,955      -          636,955     $27.91
                     -----------              ---------- -------------
   Subtotal            7,122,266      -        7,122,266     $23.52
                     -----------              ---------- -------------

Post-Spin(2)
 Authorization No. 2   3,016,375   2,923,800   5,940,175     $22.23
 Authorization No. 3   1,865,725   1,077,600   2,943,325     $26.91
                     -----------  ----------  ---------- -------------
   Subtotal            4,882,100   4,001,400   8,883,500     $23.78
                     -----------  ----------  ---------- -------------

Total                 12,004,366   4,001,400  16,005,766     $23.67
                     ===========  ==========  ========== =============


(2) St. Joe distributed the shares it owned of Florida East Coast
Industries (NYSE:FLA.B - news) to its shareholders on October 9, 2000.

``We expect to repurchase between $100 million and $120 million in St. Joe stock over the course of 2002,'' said Twomey. At the end of 2001, $120.7 million remained of the company's third stock repurchase authorization of $200 million.

PANAMA CITY AIRPORT UPDATE

On December 18, 2001, President George Bush signed the 2002 Transportation Appropriations Act into law which contained language that designated the relocation of the Panama City -Bay County International Airport as a ``high priority'' and earmarked $2.0 million in federal funds for the project. ``This is a small, but another important step in a multi-year process,'' Rummell said.

Last year, the Federal Aviation Administration (FAA) provided tentative approval to a site in west Bay County on land held by St. Joe as the location for the proposed relocated airport. This follows FAA approval of an Panama City - Bay County Airport Authority study that recommended the relocation of the airport due to traffic forecasts, encroachment issues, safety concerns, conflict with military airspace, cost-benefits and other issues.

The Airport Authority received $10 million in grants from the State of Florida in July 2001 to support the project. In August, the Airport Authority authorized its consulting team, led by Bechtel Infrastructure, Inc., to proceed with a scope of work that includes planning, design and environmental assessments.

Representatives of local government agencies and St. Joe are currently working on the planning process for approximately 74,000 acres known as the ``West Bay Area Vision Plan.'' Along with the new airport facilities to be located there, St. Joe is proposing a number of development projects in the West Bay plan. The plan is expected to be completed at the county level later this year and submitted to the state. Environmental analysis of the airport site is expected to continue for most of 2002.

SEGMENT RESULTS

COMMUNITY RESIDENTIAL REAL ESTATE
---------------------------------

Arvida Community Development's Net EBITDA for the fourth quarter of 2001 was $18.3 million, compared with $18.7 million in the fourth quarter of 2000. For the full year, Arvida Community Development's Net EBITDA was $54.0 million, compared with $47.3 million for the full year 2000, a 14 percent increase.

``Despite the tragic events of September 11, this was a strong year for our residential development program on and off the beach across Northwest Florida,'' said Rummell. ``Sales and traffic at Northwest Florida communities strengthened throughout the year.

``In the last several weeks of the fourth quarter, WaterColor and WaterSound experienced the strongest sales activity ever for this time of year,'' said Rummell. ``Qualified sales traffic has been exceptionally good, despite the fact we are in the seasonally slowest part of the year.

``The opening of the 60-room WaterColor Inn may be one of the most significant events both for Northwest Florida and for St. Joe,'' said Rummell. ``Set on a white-sand beach, often voted one of the nation's best, the Inn was designed to set a new standard for casual luxury not only in Northwest Florida, but the Southeast as well.

``The Inn is designed to appeal to a broad range of Baby Boomers and upscale beach vacationers providing new exposure to the full range of our real estate products and especially our beachfront communities at WaterColor, WaterSound and WindMark,'' said Rummell. ``We believe the WaterColor Inn will have a substantial impact on people's perception of Northwest Florida.''

                                Table 3
                     Summary of Operating Results
                     Arvida Community Development
                            ($ in millions)

                              Three Months
                             Ended December 31
                   2001                              2000
        --------------------------------------------------------------
        Number  Revenue  Gross Profit    Number  Revenue  Gross Profit
        ------  -------  ------------    ------  -------  ------------
Closing
 Lots     69     $13.9      $ 9.6          37     $11.5      $ 8.9
 Homes   313      68.1        9.6         133      40.1        7.0
         ---     -----      -----         ---     -----      -----

Total    382     $82.0      $19.2         170     $51.6      $15.9
         ---     =====      =====         ===     =====      =====


                               Year-To-Date
                            Through December 31
                   2001                              2000
        --------------------------------------------------------------
        Number  Revenue  Gross Profit    Number  Revenue  Gross Profit
        ------  -------  ------------    ------  -------  ------------
Closing
 Lots    301     $49.7      $31.6         138     $34.9      $26.3
 Homes   731     184.6       30.2         411     103.4       14.9
         ---     -----      -----         ---     -----      -----

Total  1,032    $234.3      $61.8         549    $138.3      $41.2
       =====    ======      =====         ===    ======      =====


Northwest Florida

WaterColor

In the fourth quarter, contracts closed on 4 home sites and 19 housing units at WaterColor. During the quarter, contracts for an additional 8 home sites and 7 residences were accepted at average prices of $333,600 and $518,900, respectively.

Since WaterColor's inception, through December 31, 2001, contracts pending or closed totaled 202 units. WaterColor is expected to have 1,140 units at build-out.

Delivery and closings of the first of the 22 premium Gulf-front residences, designed by noted Boston architect Graham Gund, got underway in the fourth quarter.

The WaterColor Inn designed by David Rockwell, opens March 1st. Fish Out of Water, the exquisite 180-seat restaurant, also designed by Rockwell, opens in March as well.

Boating facilities on Western Lake are complete. A casual lakeside restaurant, with family dining and an authentic coastal menu, along with a second community swimming pool are scheduled to open Memorial Day weekend.

Earnings from WaterColor are expected to continue for another 7 to 9 years.

WaterSound

In the fourth quarter, contracts were closed on 16 home sites at WaterSound. During the quarter, additional contracts and reservations were accepted for 8 home sites at an average price of $458,000. Since WaterSound's inception, through December 31, 2001, reservations and contracts pending or closed totaled 73 units. WaterSound is expected to have 390 units at build-out.

Sales of 81 beachfront multifamily units designed by Graham Gund, are expected to begin this spring.

Earnings from WaterSound are expected to continue for another five to six years.

SouthWood

In the fourth quarter, contracts were closed on 5 home sites and 29 homes at SouthWood. During the quarter, contracts for an additional 14 home site and 18 housing units were accepted at SouthWood at average prices of $108,700 and $218,400, respectively.

From SouthWood's inception, through December 31, 2001, contracts pending or closed totaled 199 units. SouthWood is planned for more than 4,250 homes plus a variety of retail shops, restaurants, community facilities, light industrial sites and professional offices.

Set on 3,250 acres of rolling hills, open pastures, natural lakes and towering live oaks, SouthWood is located just seven miles from Florida's capitol building.

Earnings from SouthWood are expected for the next 18 to 20 years.

WindMark Beach

During the fourth quarter, contracts for 20 home sites were closed at WindMark Beach, the first phase of WindMark in Gulf County. To date through December 31, 2001, contracts for 25 home sites have been accepted or closed at an average price of $204,800.

Construction of a sales center, model home and other amenities began early in the fourth quarter in the 80-acre community. A grand opening for these amenities is scheduled for this summer. Plans for WindMark Beach include 110 home sites, a pool club and several community docks, as well as an extensive conservation area accessible by boardwalks and trails.

Earnings from WindMark Beach are expected to continue for three to four years.

WindMark

Arvida has started planning for WindMark, a beachfront community adjacent to WindMark Beach in Gulf County.

In January 2002, the Gulf County Commission voted to accept a St. Joe proposal to relocate a portion of US Highway 98, paving the way for the future development of WindMark. The proposed new community requires a DRI and is being planned for approximately 1,500 units with a beach club and golf course on 1,000 acres of former timberland.

SummerCamp

Arvida announced in the fourth quarter plans to develop SummerCamp, a new beachfront vacation community in southeastern Franklin County. Located on about 650 acres of former St. Joe timberland 45 miles south of Tallahassee, SummerCamp is a family destination on the Gulf of Mexico. Current plans call for 499 units.

``Our objective is to develop SummerCamp in a way that respects and enhances the special personality of this region of Florida,'' said Rummell. ``We want SummerCamp to capture the charm of Old Florida. We will emphasize respect for the land and water - and the wonderful traditions and quality of life found in Franklin County.''

Sales are expected to begin in early 2003.

Northeast Florida

St. Johns Golf & Country Club

In the fourth quarter, contracts were closed on 7 home sites and 43 homes at St. Johns Golf & Country Club. During the quarter, contracts for an additional 7 home sites and 22 homes at St. Johns were accepted at average prices of $38,700 for home sites and $302,500 for homes.

Since St. Johns' inception, through December 31, 2001, contracts pending or closed totaled 204 units at this 799-unit residential development just outside Jacksonville in St. Johns County. As a result, infrastructure construction is now underway on the second phase.

Earnings are expected to continue for 5 to 6 years.

James Island

A total of 24 contracts for homes were closed in the fourth quarter at James Island in Jacksonville. Contracts were accepted during the quarter for an additional 14 units with home prices averaging $287,000. With 99 units remaining in the 365-unit development, sales at James Island are expected to be concluded in early 2003.

Central Florida

Victoria Park

Contracts for 1 home site and 11 homes and were closed in the fourth quarter at Victoria Park located between Orlando and Daytona Beach, set on 1,859 acres in the historic college town of De Land. Contracts were accepted on an additional one home site and 9 homes at an average price of $64,000 for the home site and $172,200 for the homes. This mixed-used community is planned for approximately 4,000 residences built among parks, lakes and conservation areas.

``We are off to a slow start at Victoria Park, but once the amenity package is complete, we expect the pace of sales to accelerate,'' said Rummell. ``During the fourth quarter of 2001, Arvida continued horizontal and amenity development. An 18-hole golf course opened to excellent reviews in December.'' In the fourth quarter construction got underway on the Club at Victoria Gardens, a 20,000-square-foot facility designed for pre-retirees and active adults that includes meeting facilities, a wellness center and a cafe. Homes have now been delivered in all three of the community's neighborhoods.

Earnings are expected to begin in 2002 and continue for at least 10 years.

Other Residential

Saussy Burbank, a premier home builder based in Charlotte, N.C., had Net EBITDA of $2.9 million for the fourth quarter of 2001, compared with $1.2 million in the fourth quarter of 2000. During the fourth quarter of 2001, Saussy contracted for 86 homes at an average price of $195,200. For the full year 2001 Saussy had Net EBITDA of $6.0 million, compared with $5.4 million for the full year 2000.

ARVIDA REALTY SERVICES
----------------------

Arvida Realty Services (ARS) had Net EBITDA of $6.7 million for the fourth quarter of 2001, compared with $4.6 million in the fourth quarter of 2000. For the full year of 2001 ARS had Net EBITDA of $27.0 million, compared with $20.3 million for the previous year.

As Florida's largest independent full-service real estate brokerage firm, ARS posted gross revenues of $66.9 million during the fourth quarter of 2001, a 5 percent increase compared with $63.7 million generated in the same quarter of 2000.

``Activity levels from September at ARS built steadily, but unevenly, with some markets recovering faster than others,'' said Rummell. ``There were soft pockets in some of Florida's major markets, particularly with high-end properties. However, low mortgage interest rates continued to stimulate sales at the lower price points.''

Arvida Mortgage and Title Services

In early 2001, ARS expanded its mortgage brokerage business and began to originate, process and fund home mortgages, which are being sold immediately in the secondary market.

In the fourth quarter, 21 percent of ARS's mortgagable transactions used the company's mortgage origination services, compared to 17 percentage in the same quarter a year ago. In addition, in the fourth quarter ARS increased the volume of its title insurance business by 45 percent compared with the same quarter the previous year.

For the full year 2001, ARS originated $542 million in mortgages compared to $350 million in 2000.

ST. JOE LAND COMPANY
--------------------

St. Joe Land Company had sales of $11.7 million in the fourth quarter of 2001 and Net EBITDA of $9.1 million, compared with sales of $11.0 million and Net EBITDA of $7.9 million in the fourth quarter of 2000. For the full year of 2001, St. Joe Land had Net EBITDA of $41.6 million, compared with $50.0 million for the previous year.

``St. Joe Land had an excellent fourth quarter,'' said Rummell. ``And we continue to be delighted with the progress and prospects of St. Joe Land. In both 2000 and 2001 St. Joe Land exceeded expectations as a result of several unanticipated major transactions, as well as from progress on the sale of a larger number of smaller parcels. However, St. Joe Land has made significant progress supplementing the gains from large transactions with smaller ones, an important step toward becoming a more retail-oriented business at excellent per-acre prices.''

``To build future sources of earnings, St. Joe Land has underway a five-year program seeking additional entitlements and zoning improvements throughout its land holdings,'' said Twomey. ``These entitlements are designed to enhance density, facilitate alternative uses and increase yield per acre. St. Joe Land's bank-financing program is now operational, and we believe it will help stimulate the sale of smaller parcels.''

St. Joe Land exceeded its goal of building a $200 million land inventory sold or available on its web site by year's end 2001.

                              Table 4
                         St. Joe Land Company
                  For Quarter Ended December 31, 2001

              Number of   Number  Average   Gross Sales   Gross Profit
Land           Parcels      of     Price       Price
Use             Sold      Acres  Per Acre  (in millions) (in millions)
----          ---------   ------  -------  ------------- -------------

Commercial        -           -   $    -       $   -         $   -
Non-commercial   26       7,063    1,657        11.7          10.5
                 --       -----   ------       -----         -----

Total            26       7,063   $1,657       $11.7         $10.5
                 ==       =====   ======       =====         =====


                         St. Joe Land Company
                Year-To-Date Through December 31, 2001

              Number of   Number  Average   Gross Sales   Gross Profit
Land           Parcels      of     Price       Price
Use             Sold      Acres  Per Acre  (in millions) (in millions)
----          ---------   ------  -------  ------------- -------------

Commercial        7          29   $44,828      $ 1.3         $ 0.7
Non-commercial  162      26,520     1,900       50.4          45.0
                ---      ------   -------      -----         -----

Total           169      26,549   $ 1,947      $51.7         $45.7
                ===      ======   =======      =====         =====


RIVERCAMPS
----------

With a development team now assembled, master planning and entitlements accelerated in the fourth quarter for a number of RiverCamps, the company's newest product. In addition, planning for both production and custom cabin product got underway in the fourth quarter.

RiverCamps are planned settlements in a rustic setting throughout Northwest Florida - each designed to respond to its unique location. RiverCamps are being positioned as a real estate product that will provide easy access to the beautiful rivers, bays and waterways of the region by offering a personal retreat in a private, woodland preserve, with the services and activities buyers need to enjoy it to the fullest. Each RiverCamp is envisioned as a one to two acre cabin site sold fee simple, along with an undivided interest in a larger conservation parcel.

Potential sites, ranging in size from 1,500 to 7,500 acres are being evaluated. All have water access.

``Our initial target price remains $8,000 to $10,000 per gross acre for the first location,'' said Twomey. ``Consumer pricing will vary by location, water access, views and other factors. While this first location provides the appropriate density, we are in the process of seeking entitlements for higher densities at other RiverCamp locations to increase yield per acre. In addition, once the program is underway, the average price per acre should increase.''

Construction of a cabin prototype has been completed and architectural design of production cabins is well underway.

CONSERVATION LAND
-----------------

Conservation Land's Net EBITDA for the fourth quarter of 2001 was $3.3 million, compared with $28.4 million during the fourth quarter of 2000. For the full year of 2001, Conservation Land had Net EBITDA of $22.3 million, compared with $43.7 million in 2000. Five conservation parcels totaling 18,078 acres were sold in 2001.

The sale of 2,600 acres in Devil's Swamp in Walton County in Northwest Florida closed during the fourth quarter. This parcel was sold to the Northwest Florida Water Management District for $3.7 million.

The Florida governor and state cabinet approved a contract in December for the purchase of the 7,048-acre Sweetwater Creek Ravines in Liberty County. The Florida Department of Environmental Protection is purchasing the land for an expansion of the state park system. The contract purchase price is $7.2 million, and a closing is expected in the spring this year.

Currently, there is activity underway to sell, by year-end 2002, as many as 12 additional parcels, totaling approximately 54,000 acres of conservation land, to state and private conservation interests. Additionally, 12 tracts totaling more than 120,000 acres are being considered for sale in years 2003 to 2006. ``The timing and sequence of these transactions is uncertain and some transactions could be delayed,'' said Twomey. ``While the State of Florida is currently reviewing budgets for the coming year, there are a number of potential buyers of this type of property including The Nature Conservancy, water management districts and government agencies.''

COMMERCIAL REAL ESTATE
----------------------

Net EBITDA for St. Joe Commercial, which includes Advantis Real Estate Services Company, the commercial real estate services arm of St. Joe, totaled $7.5 million for the fourth quarter of 2001, compared with a loss of $(0.4) million in the same quarter of 2000. For the full year 2001 St. Joe Commercial had Net EBITDA of $18.7 million, compared with $2.1 million for the full year 2000.

On October 11, 2001, St. Joe Commercial sold the 160,000-square-foot facility it developed for IBM Corporation at Beacon Square in Boca Raton, Florida, for $33.8 million, or a pretax gain of approximately $5.7 million.

Earlier in 2001, St. Joe Commercial generated approximately $4.5 million in gains on the sale of the NCCI building in Boca Raton. The division also generated $37.7 million of proceeds on the disposition of Texas properties. ``During 2002, St. Joe Commercial expects to tighten its focus on the development and sale of retail and commercial properties in Florida's Great Northwest,'' said Twomey.

Advantis Commercial Real Estate Services had losses of ($1.0) million and ($2.9) million for the fourth quarter and the full year of 2001, respectively. ``Although these results have been disappointing, this has been a difficult year for the commercial real estate services industry, and a transition year for Advantis,'' said Twomey. ``With a new management team now in place, Advantis has instituted important advances in property management, recruiting and staffing and we believe Advantis' performance will be much improved this year.''

Northwest Florida

Pier Park

A groundbreaking is expected this spring on Pier Park in Panama City Beach. Pier Park is designed to bring an exciting commercial, retail and entertainment destination to Panama City Beach, expand the tourist season and add value to St. Joe's land holdings in Bay County. St. Joe Commercial and the City of Panama City Beach have joined in a public-private partnership to develop Pier Park.

A Bay County circuit court ruled in December that bonds to be used for infrastructure at Pier Park did not qualify for a community redevelopment designation. In January 2002, after a request for clarification, the court ruled that the project could issue infrastructure bonds. With the new ruling, the bonds can be issued upon expiration of a 30-day appeal period.

Also in January, the Panama City Beach Commission approved a DRI Development Order for approximately one million square feet of commercial space for Pier Park. Final approval is subject only to the concurrence of the Florida Department of Community Affairs.

With the delay caused by the court's initial ruling and the resulting loss of a spring 2003 beachfront opening, the project is being re-sequenced to begin work this year on the retail components along US Highway 98, rather than starting on the beachfront as previously planned.

Beckrich Office Park

A grand opening is scheduled for spring 2002 for building one at Beckrich Office Park in Panama City Beach. The 34,000-square-foot building will be home to the Northwest Florida offices of St. Joe Commercial and St. Joe's economic development team. The Panama City Beach office of Advantis is marketing the remaining space in the building, which is now 43 percent leased.

In December, St. Joe Commercial delivered Nextel Partners' 67,000-square-foot Customer Care Center seven months after groundbreaking. Nextel Partners employees began arriving for work at the new facility in the first week of January. Nextel plans to bring up to 600 new jobs to Bay County that could contribute approximately $10 million annually to the local economy. Nextel occupies 100 percent of the building.

Beach Commerce Center

Horizontal development, including roadways, landscaping and utilities, was completed in the fourth quarter. Sales have been strong with contracts pending or closed on 6 light industrial parcels. Pricing started at approximately $45,000 per acre, and is now approaching $100,000 per acre. The Panama City office of Advantis is marketing the parcels within the 180-acre project to light industrial and distribution users.

``We see Beach Commerce Center as a prototype for at least three other light industrial parks across Northwest Florida as a source of stable and growing future earnings,'' said Twomey.

The Offices at SouthWood

The first building in the Offices at SouthWood is nearing completion. SouthWood One, a 88,000-square-foot, three-story structure, is the initial building in a series of Class-A offices to be developed in the SouthWood community by St. Joe Commercial. Completion is scheduled for later this spring with the Tallahassee office of Advantis marketing and leasing the building.

Northeast Florida

TNT Logistics North America

Construction is near completion at TNT Logistics North America's new headquarters building in Jacksonville. TNT has leased 67 percent of the 99,000-square-foot building, and the Jacksonville office of Advantis is marketing the remaining office space. Occupancy is expected in March 2002.

Tree of Life at Golfway Center

The Tree of Life headquarters at Golfway Center adjacent to the World Golf Village in St. Augustine was completed in December 2001. Tree of Life, a leading marketer and distributor of natural and specialty food products, has now leased 100 percent of the 69,000-square-foot building. The Jacksonville office of Advantis handled marketing and leasing.

245 Riverside Avenue

On January 23, 2002, St. Joe Commercial held a groundbreaking ceremony for 245 Riverside Avenue in downtown Jacksonville. The 135,000-square-foot building will be located on the St. Johns River and will house the corporate headquarters of The St. Joe Company in 30,000 square feet. The Jacksonville office of Advantis will market the remaining space in the five-story building. Occupancy is expected in the first quarter of 2003.

Positions Outside Florida

In the fourth quarter of 2001, St. Joe Commercial sold a portion of a Georgia property that was previously acquired for future development. The 4-acre parcel in Atlanta was sold for $6.1 million. The Atlanta office of Advantis represented St. Joe in the transaction. ``This sale is a part of our strategy to monetize our non-Florida land positions originally intended for commercial development,'' said Twomey.

Investment Property Portfolio

St. Joe continues to redeploy the proceeds of land sales in a tax-deferred manner through the acquisition of commercial office buildings in select markets within the southeastern United States.

``We have further refined our capital redeployment program and are now identifying solid investment products in key southeastern real estate markets,'' said Twomey. ``Our objective is to acquire approximately one million square feet of space, over time, in each of these markets.''

In the fourth quarter, the company redeployed $37.6 million of these funds into a commercial office building at 1750 K Street in Washington, DC that is 96 percent leased. Advantis negotiated the transaction for St. Joe and will manage the property.

St. Joe's portfolio of commercial office buildings, acquired through the capital redeployment program, now approximates one million square feet and represents an aggregate investment of more than $154 million.

                              Table 5
Operating performance of income producing properties currently owned
      by the company as part of its capital redeployment program

                  For Three Months and Twelve Months
                       Ending December 31, 2001
                           ($ in Thousands)

                                     Net         Net
                                  Operating   Operating
Income Producing                   Income      Income      Percentage
  Properties        Location      3 Months    12 Months       Leased
----------------    --------      ---------   ---------    ----------
Harbourside       Clearwater, FL    $284       $1,215          81%
Prestige Place
 I & II           Clearwater, FL     333        1,316          89
Lakeview            Tampa, FL        332        1,283          90
Palm Court          Tampa, FL        134          596          93
Westside Corporate
 Center           Plantation, FL     230          923          85
280 Interstate
 North             Atlanta, GA       338        1,343          92
Southhall Center   Orlando, FL       475        1,521          95
1133 20th Street  Washington, DC     711          879          99
1750 K Street     Washington, DC      61           61          96



ST. JOE TIMBERLAND COMPANY
--------------------------

Net EBITDA for the forestry segment totaled $2.4 million for the fourth quarter of 2001, compared with $3.3 million in the respective 2000 period. For the full year 2001, St. Joe Timberland had Net EBITDA of $13.0 million, compared with $16.7 million in 2000.

``During the fourth quarter, prices for wood fiber products remained low,'' said Twomey. ``However, near the end of the quarter, saw-timber prices seemed to stabilize.

``The principal strategy for St. Joe Timberland Company is to build value by enhancing the value of land for use by the residential, commercial and St. Joe Land divisions of the company, and by growing and selling timber products to others,'' said Twomey. ``During 2002, we expect Timberland EBITDA to be about even with 2001. Aside from meeting timber obligations under existing supply contracts, we do not intend to aggressively sell timber in this depressed market. We'll just let more timber grow, build value and sell it for a higher use in a better market.''

OTHER INCOME (EXPENSE)
----------------------

Other Income (Expense), which includes dividend and interest income, gains or losses on the sales of investments and non-operating assets, gains or losses on derivative valuation, miscellaneous income and interest expense was $(3.1) million in the fourth quarter of 2001, compared with $(1.1) million in the fourth quarter of 2000. For the full year of 2001, Other Income (Expense) was $(4.0) million, compared with $1.6 million the year before.

Interest expense totals $5.7 million for the fourth quarter of 2001, compared to $3.7 million for the fourth quarter of 2000. Full year interest expense totals $18.1 million for 2001, compared $10.2 million for 2000.

Included in Other Income (Expense) are non-cash gains of $0.5 million in the fourth quarter and $4.0 million for the full year 2001, based on the valuation of the company's derivatives.

                            CASH AND DEBT

                                Table 6
                             Cash and Debt
                         At December 31, 2001
                            ($ in millions)

  Cash, cash equivalents and short-term investments       $ 63.9
  -------------------------------------------------       ======

  Debt
  ----
   Revolving $250 million debt facility                   $205.0
   Acquisition and other debt                                4.6
   Collateralized/specific asset related debt              288.4
                                                          ------
                                                          $498.0
                                                          ======


                             Table 7
                  Consolidated Quarterly Comparisons
                           (As Reported)
              ($ in millions except per-share amounts)

               Year-Ended   Year-Ended   Quarter-Ended   Quarter-Ended
              December 31  December 31    December 31     December 31
                  2001         2000          2001             2000
                  ----         ----          ----             ----

Total revenues   $868.4       $880.8        $244.4           $216.3
Operating
 expenses         702.4        638.5         198.6            144.3
Depreciation and
 amortization      29.6         54.9           8.1              7.8
Corporate expenses 18.8         25.1           3.8              7.6
Impairment losses   0.5          3.4           0.5              3.4
                 ------       ------        ------           ------
Operating profit  117.1        158.9          33.4             53.2
Other income
 (expense)         (4.0)         8.0          (3.1)            (1.0)
                 ------       ------        ------           ------
Income before
 taxes and
 minority
 interest         113.1        166.9          30.3             52.2
Income tax expense 42.3         56.6          10.9             10.5
Minority interest   0.6         10.0           0.6              0.6
                 ------       ------        ------           ------
Net income       $ 70.2       $100.3        $ 18.8           $ 41.1
                 ======       ======        ======           ======
Net income per
 diluted share   $ 0.83       $ 1.15        $ 0.23           $ 0.47
                 ======       ======        ======           ======

Net income
 excluding
 non-recurring
 items           $ 70.2       $ 95.0        $ 18.8           $ 33.4
                 ======       ======        ======           ======
Net income per
 diluted share
 excluding non-
 recurring items $ 0.83       $ 1.09        $ 0.23           $ 0.38
                 ======       ======        ======           ======

Net income
 excluding
 non-recurring
 items and
 conservation
 land sales      $ 56.4       $ 67.9        $ 16.8           $ 15.6
                 ======       ======        ======           ======
Net income per
 diluted share
 excluding non-
 recurring items
 and conservation
 land sakes      $ 0.67       $ 0.78        $ 0.20           $ 0.18
                 ======       ======        ======           ======

Net EBITDA       $162.2       $196.7        $ 44.6           $ 57.3
                 ======       ======        ======           ======
Net EBITDA per
 diluted share   $ 1.92       $ 2.26        $ 0.54           $ 0.66
                 ======       ======        ======           ======

Net EBITDA
 excluding
 non-recurring
 items           $162.2       $203.4        $ 44.6           $ 62.8
                 ======       ======        ======           ======
Net EBITDA per
 diluted share
 excluding
 non-recurring
 items           $ 1.92       $ 2.34        $ 0.54           $ 0.72
                 ======       ======        ======           ======

Net EBITDA
 excluding
 non-recurring
 items and
 conservation
 land gains      $139.9       $159.7        $ 41.2           $ 34.4
                 ======       ======        ======           ======
Net EBITDA per
 diluted share
 excluding non-
 recurring items
 and conservation
 land gains      $ 1.66       $ 1.84        $ 0.50           $ 0.39
                 ======       ======        ======           ======

Weighted average
 diluted shares
 outstanding  84,288,746    86,867,464    82,859,821       87,144,392


                                Table 8
                             St. Joe Only
                  Consolidated Quarterly Comparisons
                             (As Reported)
               ($ in millions except per-share amounts)

              Year-Ended    Year-Ended   Quarter-Ended   Quarter-Ended
              December 31  December 31   December 31     December 31
                 2001          2000          2001             2000
             ------------  ------------  -------------   -------------

Total
 revenues          $868.4        $676.4         $244.4          $209.8
Operating
 expenses           702.4         493.7          198.6           139.5
Depreciation
 and
 amortization        29.6          22.9            8.1             6.9
Corporate
 expenses            18.8          25.1            3.8             7.6
Impairment
 losses               0.5           3.4            0.5             3.4
             ------------  ------------  -------------   -------------
Operating
 profit             117.1         131.3           33.4            52.4
Other income
 (expense)           (4.0)          1.6           (3.1)           (1.1)
             ------------  ------------  -------------   -------------
Income before
 taxes and
 minority
 interest           113.1         132.9           30.3            51.3
Income tax
 expense             42.3          42.9           10.9            10.2
Minority
 interest             0.6           0.4            0.6             0.3
             ------------  ------------  -------------   -------------
Net income         $ 70.2        $ 89.6         $ 18.8          $ 40.8
             ============  ============  =============   =============
Net income
 per diluted
 share             $ 0.83        $ 1.03         $ 0.23          $ 0.47
             ============  ============  =============   =============
Net income
 excluding
 non-
 recurring
 items             $ 70.2        $ 81.9         $ 18.8          $ 33.1
             ============  ============  =============   =============
Net income
 per diluted
 share
 excluding
 non-
 recurring
 items             $ 0.83        $ 0.94         $ 0.23          $ 0.38
             ============  ============  =============   =============
Net income
 excluding
 non-
 recurring
 items
 and
 conservation
 land gains        $ 56.4        $ 54.8         $ 16.8          $ 15.3
             ============  ============  =============   =============
Net income
 per diluted
 share
 excluding
 non-
 recurring
 items and
 conservation
 land gains        $ 0.67        $ 0.63         $ 0.20          $ 0.18
             ============  ============  =============   =============
Net EBITDA         $162.2        $160.7         $ 44.6          $ 56.3
             ============  ============  =============   =============
Net EBITDA
 per diluted
 share             $ 1.92        $ 1.85         $ 0.54          $ 0.65
             ============  ============  =============   =============

Net EBITDA
 excluding
 non-
 recurring
 items             $162.2        $166.2         $ 44.6          $ 61.8
             ============  ============  =============   =============
Net EBITDA
 per diluted
 share
 excluding
 non-
 recurring
 items             $ 1.92        $ 1.91         $ 0.54          $ 0.71
             ============  ============  =============   =============

Net EBITDA
 excluding
 non-
 recurring
 items and
 conservation
 land gains        $139.9        $122.5         $ 41.2          $ 33.4
             ============  ============  =============   =============
Net EBITDA
 per diluted
 share
 excluding
 non-
 recurring
 items and
 conservation
 land gains        $ 1.66        $ 1.41         $ 0.50          $ 0.38
             ============  ============  =============   =============

Weighted
 average
 diluted
 shares
 outstanding   84,288,746    86,867,464     82,859,821      87,144,392


                                Table 9
              Reconciliation of Net Income to Net EBITDA
            Net EBITDA Excludes Non-Recurring Items in 2000
               ($ in millions except per share amounts)


              Year-Ended    Year-Ended   Quarter-Ended   Quarter-Ended
              December 31  December 31    December 31     December 31
                 2001          2000          2001             2000
             ------------  ------------  -------------   -------------
Net Income         $ 70.2        $ 89.6          $18.8           $40.8
Plus:
 Income tax
  expense            42.3          42.9           10.9            10.2
 Depreciation
  and
  amortization       29.6          22.9            8.1             6.9
 Interest
  expense            22.1          11.7            6.9             4.5
 Spin-off
  related
  costs               2.1           5.5            0.5             5.5
 Impairment
  loss                  -           3.4              -             3.4
Less:
 (Gain)/loss
  on
  settlement            -          (9.8)             -            (9.8)
 (Gain)/loss
  on
  derivatives
  valuation          (4.0)            -           (0.5)              -
 Minority
  interest           (0.1)            -           (0.1)            0.3
             ------------  ------------  -------------   -------------
Net EBITDA         $162.2        $166.2          $44.6           $61.8
             ============  ============  =============   =============

                               Table 10
                     Quarterly Segment Net EBITDA
                     Excluding Non-recurring Items
                            ($ in millions)

               Dec 31,    Sept 30,   June 30,    March 31,    Dec 31,
                2001        2001       2001        2001        2000
             ----------  ----------  ----------  ----------  ---------
Community
 residential
 real estate      $18.3       $15.9       $11.9        $7.9      $18.7
Residential
 realty
 services           6.7         8.6         9.4         2.3        4.6
Commercial
 real estate        7.5         2.7         6.6         1.9       (0.4)
St. Joe Land       12.4        15.8        21.1        14.4       36.4
Forestry            2.4         2.8         3.8         4.0        3.3
Transportation     (0.5)       (0.4)       (0.5)       (0.4)      (0.1)
Hospitality           -           -           -        (0.1)       0.1
Corporate
 and other         (2.2)       (3.2)       (4.0)       (2.9)      (0.8)
Discontinued
 operations
 (Sugar)              -           -           -           -          -
             ----------  ----------  ----------  ----------  ---------
 Total JOE
  Only            $44.6       $42.2       $48.3       $27.1      $61.8
             ==========  ==========  ==========  ==========  =========
FECI (Net)            -           -           -           -        1.0
Consolidated
 St. Joe          $44.6       $42.2       $48.3       $27.1      $62.8
             ==========  ==========  ==========  ==========  =========
Weighted
 average
 diluted
 Shares
 outstanding 82,859,821  83,762,776  84,606,865  86,012,932 87,144,392


              Sept 30,    June 30,    March 31,   Dec 31,
                2000        2000        2000        1999
             ----------  ----------  ----------  ----------
Community
 residential
 real estate      $14.4        $9.6        $4.5       $17.9
Residential
 realty
 services           6.1         7.3         2.3         3.4
Commercial
 real estate       (0.8)        2.6         0.7        (5.0)
St. Joe Land       24.5        14.9        17.9         3.1
Forestry            3.0         3.5         6.9         1.8
Transportation     (0.3)       (0.2)        0.6         1.1
Hospitality         0.1         0.1        (0.2)          -
Corporate
 and other         (4.6)       (5.0)       (3.5)       (2.1)
Discontinued
 operations
 (Sugar)              -           -           -         0.4
             ----------  ----------  ----------  ----------
 Total JOE
  Only            $42.4       $32.8       $29.2       $20.6
             ==========  ==========  ==========  ==========
FECI (Net)         11.1        11.6        13.5        17.3
Consolidated
 St. Joe          $53.5       $44.4       $42.7       $37.9
             ==========  ==========  ==========  ==========
Weighted
 average
 diluted
 Shares
 outstanding 86,865,685  86,922,557  86,537,245  87,672,123

                               Table 11
                Quarterly Segment Net EBITDA Per Share
                     Excluding Non-recurring Items
                            ($ in millions)

               Dec 31,    Sept 30,    June 30,    March 31,   Dec 31,
                2001        2001       2001        2001        2000
             ----------  ----------  ----------  ----------  ---------
Community
 residential
 real Estate       $.22        $.19        $.14        $.09       $.21
Residential
 realty
 services           .08         .10         .11         .03        .05
Commercial
 real estate        .09         .03         .08         .02          -
St. Joe Land        .15         .19         .25         .17        .42
Forestry            .03         .03         .04         .05        .04
Transportation        -           -           -           -          -
Hospitality           -           -           -           -          -
Corporate
 and other         (.03)       (.04)       (.05)       (.04)      (.01)
Discontinued
 operations
 (Sugar)              -           -           -           -          -
             ----------  ----------  ----------  ----------  ---------
Total JOE
 Only              $.54        $.50        $.57        $.32       $.71
             ==========  ==========  ==========  ==========  =========
FECI (Net)            -           -           -           -        .01
Consolidated
 St. Joe           $.54        $.50        $.57        $.32       $.72
             ==========  ==========  ==========  ==========  =========
Weighted
 average
 diluted
 Shares
 outstanding 82,859,821  83,762,776  84,606,865  86,012,932 87,144,392


               Sept 30,   June 30,    March 31,   Dec 31,
                2000        2000       2000        1999
             ----------  ----------  ----------  ----------
Community
 residential
 real Estate       $.17        $.11        $.05        $.20
Residential
 realty
 services           .07         .08         .03         .04
Commercial
 real estate       (.01)        .03         .01        (.06)
St. Joe Land        .28         .17         .20         .04
Forestry            .03         .04         .08         .02
Transportation        -           -         .01         .01
Hospitality           -           -           -           -
Corporate
 and other         (.05)       (.05)       (.04)       (.02)
Discontinued
 operations
 (Sugar)              -           -           -           -
             ----------  ----------  ----------  ----------
Total JOE
 Only              $.49        $.38        $.34        $.23
             ==========  ==========  ==========  ==========
FECI (Net)          .13         .13         .15         .20
Consolidated
 St. Joe           $.62        $.51        $.49        $.43
             ==========  ==========  ==========  ==========
Weighted
 average
 diluted
 Shares
 outstanding 86,865,685  86,922,557  86,537,245  87,672,123


The St. Joe Company, a publicly held company based in Jacksonville, is Florida's largest real estate operating company. It is engaged in community, commercial, industrial, hospitality, leisure and resort development, along with residential and commercial real estate services. The company also has significant interests in timber.

More information about St. Joe can be found at our web site at http://www.joe.com.

Forward-Looking Statements

Certain matters discussed in this press release are ``forward-looking statements'' within the meaning of the Private Securities Litigation Reform Act of 1995. Some matters involve risk and uncertainty, and there can be no assurance that the results described in such forward-looking statements will be realized. In particular, discussions regarding the size and number of commercial buildings, residential units, development timetables, development approvals and the ability to obtain approvals, anticipated price ranges of developments, the number of units that can be supported upon full build-out of development, the number and price of anticipated land sales, and the absorption rate and expected gain on land sales and statements concerning future operating performance and short- and long-term revenue and earnings growth rates and comparisons to historical projects are forward-looking statements. Such statements are based on current expectations and are subject to certain risks. Should one or more of these risks or uncertainties materialize or should the underlying assumptions prove incorrect, the company's actual performance may differ materially from that indicated or suggested by any forward-looking statement contained herein. Additional risk factors that may cause actual results to differ materially from those expressed in forward-looking statements contained in the press release are described in various documents filed by the company with the U.S. Securities and Exchange Commission, including the company's Annual Report on Form 10-K for the year ended December 31, 2000.

Copyright 2002, The St. Joe Company. ``WaterColor,'' ``WaterSound,'' ``WindMark,'' ``SouthWood'' and ``RiverCamps'' and the ``taking flight'' logo are service marks of The St. Joe Company. Arvida is a registered trademark.

---------------------------------------------------

Contact: 
     The St. Joe Company, Jacksonville
     Media Contact:
     Jerry M. Ray, 904/858-2707
     or
     Investor Contact:
     Steve Swartz, 904/858-5295