I just made a simple frost protection to my bananas and citrus a makeshift clear plastics.
Luckily last night 12/12/07 the low was 29*F and I peeked this morning and they are all OK, no brown spots on the bananas and the new buds of my citrus are still green.
And of course the majority of my potted bananas and citrus are inside my enclosed patio which are more fully protected and they are all OK.