True, it may be a rat snake, but... do rat snakes rattle the end of their tails like a rattler would? That's what really threw me (after I thought about it). I mean... do ALL snakes do that when aggrivated? O.o?

if you have the pic in photobucket or Picasa, they give you the code to use (pick the HTML code). http://edis.ifas.ufl.edu/uw251 identifies all the common "black snakes" in Florida. Several of them have light chins, and none of those are poisonous.

I pulled the bottom paragraphs from two sources including Wikepedia. Basically I've always heard King Cobras as being reclusive, shy, and a little less likely to habit densly populated areas and more likely to live in forest. Now other cobras and kraits are commonly found in urban areas throughout Asia and are responsible for numerous fatalities. I would think farmers would run more risk of confronation than city dweller. Despite the King Cobra's fearsome reputation and deadly bite, it is a shy and reclusive animal, avoiding confrontation with humans as often as possible.[9] There are other venomous snakes within this species' range that are responsible for a more fatal snake bites than the King Cobra such as the Monocled cobra, Russell's Viper, and Banded Krait.] Characteristics: Although it is the largest venomous snake in the world and it has a disposition to go with this honor, it causes relatively few bites on humans. It appears to have a degree of intelligence. It avoids attacking another venomous snake for fear of being bitten. It feeds exclusively on harmless species. The female builds a nest then deposits her eggs. Lying close by, she guards the nest and is highly aggressive toward anything that closely approaches the nest. Its venom is a powerful neurotoxin. Without medical aid, death is certain for its victims. Habitat: Dense jungle and cultivated fields.

Unfortunately from this photo it is hard to tell. It is a dark colubrid and not a venomous snake. If I was to make an educated guess, I would say Jackson's Treesnake (Thrasops jacksonii).