GTA (3100 . PI -13 8 2. 0 00/ \ 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 -2- C1eorg,a Department of Banking and Finance Scheduleof Fees for AuplicatIons. Reln' stratIons. and N0 tificatIons m~~ ... """'''' ........ i ...... ...... .i.l ... . . -'c .. ~. kY' .......i Expedited Fee iii . ..(.Ir.~J. Y <> . ' 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.) -9- 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 -7- 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 -5- 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 -4-