I received this message in my junk email. So obviously something isn't right about it to start with.
The following is the break down of the major parts of the message I received.

Here is the subject of this scam email: Ocean Bank Alert - Federal Warning Systems

This email was supposedly sent by: Ocean Bank Corporate

Here is the body of the email:

[More:]

ATTENTION OCEAN BANK CORPORATION NOTICE:

This update is for customers who use Ocean Business and/or Personal online banking in North America.
Update your system through our official site if your account has been created before October 23, 2008.
There is no guarantee of proper operation with NOT UPDATED consumer systems.

Proceed to Customer Service Department>> <h__p://oceanbank.webcashmgmt.wcmfd.wcmpw.rnalid.OjZiNcRUXT.neuedos.com/103541.html?/carehtmlclient/configlogin/OSL.htm?LOGIN=6bmauB685&VERIFY=zF6mF7OjZiNcRUX>

Sincerely, Angelo Williams.
2008 Ocean Bank, Florida.

If you receive an email like this, don't respond to it, or follow any links. JUST DELETE IT
Dave