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Setophaga palmarum
Spotted at Circle Bar B preserve in Lakeland , Polk County, Florida.
I just found this http://en.wikipedia.org/wiki/Palm_Warble...
I think it explains it best, and simplest. Makes this bird a Western Palm Warbler.
I agree it looks like picture 2, but a big difference between 2 and 1/3, it says all are adults in the reference but is 2 perhaps a different sub-species? I read that there are Yellow Palms and Western Palms, perhaps 1/3 are Yellows while 2/4 are Western?
See picture #2 in reference page. I think it is the only warbler, at least here in FL, with a yellow "butt".
Not yellow-rumped, that yellow is on the vent, the rump being on top and often concealed by the closed wings.