Department of Banking and Finance bulletin, Jan. 31, 2000

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STATE OF GEORGIA
DEPARTMENT OF BANKING AND FINANCE
Internet Address: http://www.state.ga.us/dbf/

Phone: (770) 9861633

Fax: (770) 9861655

BULLETIN. .. BULLETIN... BULLETIN... BULLETIN... BULLETIN... BULLETIN...

ROY BARNES GOVERNOR

STEVEN D. BRIDGES COMMISSIONER

January 31, 2000

The following is a summary of official action taken on applications by State Financial Institutions under Chapter 7-1 of the Code of Georgia and petitions for Certificate of Incorporation of Financial Institutions and other matters of interest during the month of January 2000.

In this Issue:
Schedule of Fees for Applications, Registrations & Notifications

Page 9

APPLICATIONS FOR NEW FINANCIAL INSTITUTION

FINANCIAL INSTITUTION

CAPITALIZATION

APPROVAL DATE

BEGIN BUSINESS
DATE

Integrity Bank 11130 State Bridge Road Alpharetta, GA 30022 Fulton County

$ 10,000,000

Pending

Georgia Banking Company 6520 Powers Ferry Road Suite 110 Atlanta, GA 30339 Fulton County

$ 5,000,000

Pending

Horizon Bank 1059 Mistletoe Road Decatur, GA 30033 DeKalb County

$ 7,000,000

06/16/1999

01/24/2000

Centura Card Bank 157 Technology Parkway Suite 900B Norcross, GA 30092 Gwinnett County

$ 5,004,000

01/20/2000

First Intercontinental Bank 5593 Buford Highway Doraville, GA 30340 DeKalb County

$ 7,000,000

09/10/1999

01/31/2000

Community Bank of Pickens County 15 Mountainside Drive Jasper, GA 30143 Pickens County

$ 5,000,000

Pending

APPLICATIONS TO ESTABLISH A BRANCH OFFICE

FINANCIAL INSTITUTION

BRANCH OFFICE

APPROVAL DATE

BEGIN BUSINESS
DATE

Citizens Bank of Americus Americus
SunTrust Bank Atlanta
SunTrust Bank Atlanta

Leslie Branch Office Highway 280 East Leslie 31764 Sumter County
Chastain Square Publix Branch Office
4279 Roswell Rd., NE, Ste 300 Atlanta 30342 Fulton County
Publix on Ponce Branch Office 1001 Ponce de Leon Ave. Atlanta 30308 Fulton County

01/03/2000 01/27/2000 01/27/2000

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C1eorg,a Department of Banking and Finance

Scheduleof Fees for AuplicatIons. Reln' stratIons. and N0 tificatIons

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Bank or Trust Company Charter

12.000

7,500

Pre-opening investigation 5,000

Credit Card Bank Charter

15,000

N/A

Pre-opening Investigation 5,000

Conversion to a State Chartered Bank

12,000

N/A

N/A

New Branch Offices

1,250

500

N/A

Relocation of Banking Location (1 )

1,250

700

N/A

Mergers (2)

4,500

same

N/A

Holding Company Formations (3)
Holding Company Acquisitions (of 25% or more)

3,500 6,000

2,500 4.500

Annual Registration - 1,000
Acquiring> or = 5% but < 25% - 3,500
Annual Registration' 1,000

Fiduciary Powers: Single Trust Power Limited Trust Powers Full Trust Powers

250

N/A

N/A

750

1,250

All Representative Offices (including LPOs) (Also: International Representative Offices, Holding Company Registrations, and Trust Production Offices)

1,000

N/A

Annual Registration - 1,000

International Bank Agency

5,000

N/A

Annual Registration - 2,000

International Bank Facility

5,000

N/A

Annual Registration - 2,000

Check Seller

2,000

N/A

(licensing)

Annual Renewal - 2,000 (late fee of 300 may apply)

Check Casher Initial Licensing & Investigation Fee Full Service Initial Registration Fee - Qualified Exempt (Additional locations in Georgia)
Note: The initial fee for full service is not refundable.

Annual Renewal -

750

N/A

500 - full service

200

100 registered

50

(late fee of 200 may apply to full service

licensees)

Mortgage Licensee or Registrant Investigation and Licensing Fee - Broker Investigation and Licensing Fee Lender Investigation and Registration Fee Registered Broker Investigation and Registration Fee - Registered Lender Additional locations in Georgia for licensees

650 1,050
650 1,050
350

Annual Renewal -

N/A

broker: 400 + 25 for ea. additional office

lender: 800 + 25 for ea. additional office

(late fee of 300 may apply to a broker or

lender licensee)

registrant: broker - 400 I lender - 800

NOTE: This list of fees does not Include

fines that may be assessed.

Change in Control of a Financial Institution

3,500

N/A

N/A

Change in Control of a Mortgage Lender or Broker

250

Bank Servicers

250

N/A

N/A

(1) There IS no fee for Redeslgnatlon or a Branch Office Closing.

(2) If the merger is consummated simultaneously with a holding company acquisition, or within six months of the approval date of the acquisition, there is no fee for the merger application. Subsequent mergers of two affiliated financial institutions will be considered a corporate reorganization and the merger application fee will normally be waived.

(3) The fee for applications to become a bank holding company by acquisition of a de novo bank (at the time of formation) will be waived due to the payment of the higher fee for a de novo state charter.

NOTE: Additional fees may be incurred forfilings required with the Georgia Secretary of State (Le., Articles of Incorporation, Articles of Merger, etc.)

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FINANCIAL INSTITUTION (SURVIVOR)
SunTrust Bank, Atlanta Atlanta
SunTrust Bank. Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta
First Flag Bank laGrange
Robins Federal Credit Union Warner Robins

FINANCIAL INSTITUTION MERGERS

MERGED INSTITUTION
SunTrust Bank, Miami, N.A. Miami, FL
SunTrust Bank, Gulf Coast Sarasota, FL
SunTrust Bank, East Tennessee, N.A.
Knoxville, TN
SunTrust Bank, East Central Florida
Daytona Beach, FL
SunTrust Bank, Chattanooga, N.A.
Chattanooga, TN
SunTrust Bank, Central Florida, N.A.
Orlando, FL
SunTrust Bank, Augusta, N.A. Evans, GA
The Citizens Bank HoganSVille, GA

APPROVAL DATE
10/19/1999 10/19/1999 10/19/1999
10/19/1999
10/19/1999
10/19/1999
10/19/1999 Pending

EFFECTIVE DATE
01/01/2000 01/01/2000 01/01/2000
01/01/2000
01/01/2000
01/01/2000
01/01/2000

White Gold Credit Union Gordon, GA

11/04/1999

11/30/1999

PROPOSED NAME
Community Bank of Pickens County

APPLICATIONS FOR RESERVATION OF A NAME

COUNTY Pickens County

APPLICANT
Ms. Kelly Howley Legal Assistant Kilpatrick Stockton LLP 1100 Peachtree St., Suite 2800 Atlanta, GA 30309-4530

PREVIOUS NAME
SunTrust Bank, Atlanta Atlanta

NOTICE OF CHANGE IN NAME

NEW NAME SunTrust Bank

APPROVAL DATE
10/19/1999

EFFECTIVE DATE
01/01/2000

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FINANCIAL INSTITUTION
First Community Bank of, Southwest Georgia
Bainbridge

APPLICA nONS TO CHANGE LOCA T/ON

CHANGE LOCATION OF

APPROVAL EFFECTIVE

DATE

DATE

Shotwell Street Office

From: 400 East Shotwell Street

Bainbridge 31717

Decatur County

To:

1705 East Shotwell Street

Bainbridge 31717

Decatur County

Pending

CHECK CASHER LICENSES ISSUED

Decatur Forest Park Norcross

APPLICANT NAME
ES Group, Inc. BIP Checks, Inc. Bluesky International, Inc.

TRADE NAME
Dee's Package Store BIP Checks Express Checkcashing

* = Exempt (O.C.G.A. 7-1-709)

-8-

APPLICA TlONS TO BECOME A BANK HOLDING COMPANY AND/OR TO ACQUIRE VOTING STOCK OF A FINANCIAL INSTITUTION

NEW FORMATIONS BANK HOLDING COMPANY

TO ACQUIRE

APPROVAL DATE

NBG Bancorp, Inc. Athens, GA
Chestatee Bancshares, Inc. Dawsonville, GA
Gwinnett Commercial Group, Inc. Lawrenceville, GA
Reeds Jewelers, Inc. Wilmington, NC
ACQUISITIONS ONLY

National Bank of Georgia Athens, GA
Chestatee State Bank Dawsonville, GA
First Bank of Gwinnett Lawrenceville, GA
First. Retail Bank, NA Flowery Branch, GA

Pending 01/11/2000
Pending 01/18/2000

Community National Bancorporation First National Bank

Ashburn, GA

Tarpon Springs, FL

First Commerce Bancorp, Inc. Commerce, GA

First Commerce Bank, NA Commerce, GA

Century South Banks, Inc. Dahlonega, GA

Lanier National Bank Gainesville, GA

BB&T Corporation Winston-Salem, NC

Hardwick Holding Company Dalton, GA

BB&T Corporation Winston-Salem, NC

First Banking Company of Southeast Georgia Statesboro, GA

01/10/2000 Pending
01/18/2000 Pending Pending

FINANCIAL INSTITUTION (SURVIVOR)
SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta

FINANCIAL INSTITUTION MERGERS

MERGED INSTITUTION

APPROVAL DATE

SunTrust Bank, Northeast Georgia, NA
Athens, GA
STI Capital Management, N.A. Orlando, FL
Crestar Bank Richmond, VA

10/19/1999 11/02/1999 10/19/1999

SunTrust Bank, West Georgia, N.A.
Columbus, GA
SunTrust Bank, Tampa Bay Tampa, FL

10/19/1999 10/19/1999

EFFECTIVE DATE
01/01/2000
01/01/2000 01/01/2000 01/01/2000
01/01/2000

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FINANCIAL INSTITUTION (SURVIVOR) SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta SunTrust Bank, Atlanta Atlanta SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta

FINANCIAL INSTITUTION MERGERS

MERGED INSTITUTION

APPROVAL DATE

SunTrust Bank, Southwest Florida
Ft. Myers, FL

10/19/1999

SunTrust Bank, Southeast Georgia, N.A.
Brunswick, GA

10/19/1999

SunTrust Bank, South Georgia, N.A.
Leesburg, GA

10/19/1999

SunTrust Bank, South Florida, N.A.
Ft. Lauderdale, FL

10/19/1999

SunTrust Bank, South Central Tennessee, N.A.
Pulaski, TN

10/19/1999

SunTrust Bank, Savannah, N.A. Savannah, GA

10/19/1999

SunTrust Bank, Northwest, Georgia, N.A.
Rome, GA

10/19/1999

SunTrust Bank, Northwest Florida
Tallahassee, FL

10/19/1999

SunTrust Bank, Alabama, N.A. Florence, AL

10/19/1999

SunTrust Bank, North Florida, N.A.
Jacksonville, FL

10/19/1999

SunTrust Bank, North Central Florida
Ocala, FL

10/19/1999

SunTrust Bank, Nature Coast Brooksville, FL

10/19/1999

SunTrust Bank, Nashville, N.A. Nashville, TN

10/19/1999

SunTrust Bank, Middle Georgia, N.A.
Macon, GA

10/19/1999

SunTrust Bank, Mid-Florida, N.A.
Lakeland, FL

10/19/1999

EFFECTIVE DATE
01/01/2000 01/01/2000 01/01/2000 01/01/2000 01/01/2000 01/01/2000 01/01/2000 01/01/2000 01/01/2000 01/01/2000 01/01/2000 01/01/2000 01/01/2000 01/01/2000 01/01/2000

-6-

APPLICA TIONS TO ESTABLISH A BRANCH OFFICE

FINANCIAL INSTITUTION SunTrust Bank Atlanta
SunTrust Bank Atlanta
SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta
SunTrust Bank, Atlanta Atlanta
The First Bank of Brunswick Brunswick
Peoples Bank of West Georgia Carrollton
Habersham Bank Clarkesville
Community Bank & Trust- Jackson Commerce

BRANCH OFFICE

APPROVAL DATE

Emory Commons Publix Branch Office
2155 North Decatur Road Decatur 30030 DeKalb County

01/27/2000

Sugarloaf Crossing Publix Branch Office
4850 Sugarloaf Crossing Publix Lawrenceville 30044 Gwinnett County

01/27/2000

Sugarloaf Branch Office 6515 Sugarloaf Parkway Duluth 30097 Gwinnett County

09/23/1999

Lenox Courtyard Office 3535 Peachtree Road Atlanta, 30326 Fulton County

04109/1999

Briarcliff Village Branch Office 2162 Henderson Mill Road Atlanta, 30345 DeKalb County

10/13/1999

Old Milton Parkway Branch Office 4305 State Bridge Road Alpharetta 30022 Fulton County

10/13/1999

North Glynn Office 5340 New Jesup Highway Brunswick 31520 Glynn County

01/07/2000

Douglasville Branch Office 6670 East Church Street Douglasville 30134 Douglas County
Warrenton Branch Office 217 East Main Street Warrenton 30828 Warren County

09/13/1999 12/08/1999

Athens Branch 4025 Lexington Road Athens 30606 Clarke County

06/14/1999

BEGIN BUSINESS
DATE
01/18/2000 12/02/1999 12/02/1999 11/09/1999
01/10/2000 01/04/2000 01/24/2000

-3-

APPLICA TrONS TO ESTABLISH A BRANCH OFFICE

FINANCIAL INSTITUTION First Newton Bank Covington
Bank of Eastman Eastman
The Heritage Bank Hinesville
Community Trust Bank Hiram
Georgia State Bank Mableton
The United Banking Company Nashville
Crossroads Bank of Georgia Perry
Community Bank of Georgia Tucker
Oconee State Bank Watkinsville

BRANCH OFFICE

APPROVAL DATE

Highway 20 Branch Office 5140 Highway 20 South Covington 30016 ,Newton County

01/06/2000

Milledgeville Branch Office 2451 North Columbia Street Milledgeville 31061 Baldwin County

01/25/2000

Southside Branch Office 751 W. Oglethorpe Hwy Wal-Mart super Store #862 Hinesville 31313 Liberty County

01/19/2000

Battle Ridge Office

04/30/1999

1690 Powder Springs Road, SW

Battle Ridge Pavilion Shopping Center

Marietta 30064

Cobb County

Douglasville Branch 6125 Creekside Court Douglasville 30133 Douglas County

04/28/1999

Homerville Branch Office N.W. corner of U.S. 84 and Lakeland Dr Homerville 31634 Clinch County

01/25/2000

Houston Lake Road Office 119 Houston Lake Road Warner Robins 31088 Houston County

04/23/1999

Mountain Crossing Office 2740 Braselton Highway, NE Dacula 30019 Gwinnett County

05/14/1999

Lexington Road Branch Office 4375 Lexington Road Athens 30605 Clarke County

10/25/1999

BEGIN BUSINESS
DATE
01/03/2000 01/20/2000
01/24/2000 01/03/2000 01/24/2000

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