Updated 8/17 6:00 p.m.

A Madison County man is arrested for robbing a bank he frequents as a customer.

Madison Police say 47-year-old Frank Montoya walked into the Citizens State Bank on the corner of Crane Avenue and Highway 90 near North Florida Community College just after 9 o'clock this morning.

Authorities say Montoya was armed and partially disquised when he demanded money.

But, police say bank employees were able to positively describe Montoya as a regular customer.

One frequent customer, Diane Jones, said, "When I first heard about it, it really made me feel bad because it is some good employees that work there. They are very concerned about their customers, always greet you with a smile; they're just good people."

The police chief says they picked Montoya up from his home on North Rocky Ford Road shortly after the robbery.

The chief says Montoya confessed after a search of his home turned up evidence from the robbery.

Montoya is now charged with armed robbery.

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Official Press Release from the Madison Police Department:

On August 17, 2009, Sgt./Inv. Ebberson responded to Citizens State Bank in Madison in reference to a Robbery. Other officers from the Madison Police Department and Madison County Sheriffs Office responded. No injuries were reported during the robbery. A BOLO (Be On the Look Out) was given to all the law enforcement officers in the area. The masked suspect entered the bank shortly after opening, and demanded money. The suspect left the bank with an undetermined amount of money. The bank clerks did a phenomenal job in observing the suspect, his build and body features and were able to provide Ebberson with a very good description. From the clerks observations, they were able to provide a probable name for the suspect. The suspect was located and brought in the Madison Police Department for questioning. Investigators from the Madison County Sheriffs Office assisted in processing the crime scene in and around the bank. During the investigation Sheriff Stewart and Chief Davis responded back to the suspects home and was able to obtain consent to search the residence and area from the suspect’s spouse. During the search of the residence, evidence was discovered linking the suspect to the bank robbery, including the stolen money. Sgt. Ebberson obtained a confession from the suspect, who provided officers with other evidence linking him to the robbery. Arrested for Robbery was Frank Montoya, age 47 of Madison Florida. Montoya was booked in the Madison County Jail.

I would like to commend the bank clerks for their attention to detail and self control in a very tense and stressful situation, said Chief Davis. I would also like to commend all of the law enforcement officers involved in this investigation. The officers from the police department and sheriff’s office have always worked well together to get the job done. This is a prime example of the mutual cooperation that both agencies strive for.

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WCTV has just learned there was a bank robbery at Citizens Bank in Madison County around 9:08 this morning (8/17).

The suspect ran on foot, the Sheriff Department and City Police are on scene.

They have just released the K-9 unit to search for the suspect.

Citizens bank is near North Florida Community College.

Keep checking wctv.tv for updates.