When I first became aware of the location, it was Cafe on the Bay, which I loved. Stone was also there for a time, and Neil would dock his boat there so folks could dine at his son's restaurant. It's been other things since then. Limited parking behind the bank, but down at "the end," there is more parking. I have had breakfast there twice and dinner once. I would just say food and service, in my experience, have been inconsistent.