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

. . . .BULLETIN. . . .BULLETIN. . . .BULLETIN. . . .BULLETIN. . . .
STATE OF GEORGIA
DEPARTMENT OF BANKING AND FINANCE
STEVEN D. BRIDGES, COMMISSIONER

Phone: (770) 986-1633

Fax: (770) 986-1655

Internet Address: http://www.state.ga.us/dbf/
October 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 October 2000.
In This Issue:
2001 Holiday Schedule

APPLICATIONS FOR NEW FINANCIAL INSTITUTION

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

BEGIN BUSINESS

CAPITALIZATION APPROVAL DATE

DATE

$ 5,700,000

04-26-2000

10-02-2000

Southern Horizon Bank 1554 Southlake Parkway Morrow, GA 30260 Clayton County

$ 7,500,000

10-18-2000

Guardian Bank 701 Wildwood Plantation Drive Valdosta, GA 31602 Lowndes County

$ 4,500,000

Pending

APPLICATIONS TO ESTABLISH A BRANCH OFFICE

FINANCIAL INSTITUTION Montgomery County Bank Ailey

BRANCH OFFICE Vidalia Wal-Mart Branch Office 3109 East First Street Vidalia, GA 30474 Toombs County

APPROVAL DATE
05-22-2000

BEGIN
BUSINESS DATE
10-04-2000

Athens First Bank & Trust Company Athens
SunTrust Bank Atlanta

Lexington Road Branch Office 2900 Lexington Road Athens, GA 30605 Clarke County
Hickory Flat Village In Store Branch Office 6175 Hickory Flat Highway, Suite 140 Canton, GA 30115 Cherokee County

10-18-2000 10-16-2000

SunTrust Bank Atlanta

Spradlin Farm Branch Office 15 Spradlin Farm Drive Christianburg, VA 24073 Montgomery County

10-16-2000

SunTrust Bank Atlanta

Virginia Center Marketplace Branch Office 10170 Brook Rd
Glen Allen, VA 31520

10-26-1999 10-16-2000

SunTrust Bank

Walker Springs In-Store Branch 09-11-2000 10-16-2000

Atlanta
SunTrust Bank Atlanta
SunTrust Bank Atlanta
SunTrust Bank Atlanta
The First Bank of Brunswick Brunswick
Chestatee State Bank Dawsonville
Decatur First Bank Decatur
Citizens Bank & Trust Company Eastman
The Bank of Dodge County Eastman
Gainesville Bank & Trust Gainesville

Office 8445 Wal Brook Drive Knoxville, TN 37924 Knox County
Lake Harris Branch Office 4525 County Road 48 Leesburg, FL 34748 Lake County
Perry Hall Safeway Branch Office 9645 Belair Road Perry Hall, MD 21128 Baltimore County
Sarasota Bay Club Branch Office 1301 N. Tamiami Trail Sarasota, FL 34236 Sarasota County
Jekyll Island Branch Office 18-B Beachview Drive Jekyll Island, GA 31527 Glynn County
Downtown Dawsonville Branch Office 86 Highway, 53 West Dawsonville, GA 30534 Dawson County
Harris Teeter Store #22 Branch Office 720 Commerce Drive Decatur, GA 30030 DeKalb County
Helena Branch Office 107 8th Street Helena, GA 31037 Telfair County
Soperton Branch Office 310 Main Street, West Soperton, GA 30457 Treutlen County
Atlanta Highway Branch Office 1403 Atlanta Highway Gainesville, GA 30501 Hall County

07-28-2000 10-23-2000 Pending
08-18-2000 10-03-2000 07-26-2000 10-26-2000 07-25-2000 10-20-2000 08-28-2000 10-18-2000 10-23-2000 03-31-2000 10-23-2000 06-19-2000 09-29-2000

The Glennville Bank and Trust Company Glennville
Commercial Bank & Trust Company of Troup County LaGrange The Community Bank Loganville
Northwest Georgia Bank Ringgold
Bank of Burke County Sardis
Altamaha Bank and Trust Company Uvalda
Guardian Bank Valdosta
Darby Bank & Trust Co. Vidalia
Citizens Bank Vienna

Long Branch Office Long County Branch Office
Highway 84 at Mitcham Rd. Ludowici, GA 31316 Long County
Vernon Wood Drive Branch Office 101 Vernon Wood Drive
LaGrange, GA 30240 Troup County
Grayson Office 2001 - 2005 State Highway 20 Grayson, GA 30017 Gwinnett County
Wal-Mart Super Center Branch Office Highway 136 and US 27 LaFayette, GA 30728 Walker County
Rowland House Branch Office 855 Liberty Street Waynesboro, GA 30830 Burke County First Street Bank Office 1109 East First Street Vidalia, GA 30474 Toombs County North Ashley Branch Office 1906 North Ashley Street Valdosta, GA 31602 Lowndes County The Westside Savannah Branch Office 216 West U.S. Highway 80 Savannah, GA 31408 Chatham County
Stockbridge Branch Office 235 Corporate Center Drive Stockbridge, GA 30281 Henry County

10-16-2000 04-28-2000
10-26-2000 01-05-1999 10-31-2000 07-18-2000 10-15-2000
10-24-2000 07-10-2000 10-23-2000
Pending 04-04-2000 10-02-2000
Pending

APPLICATIONS TO CHANGE LOCATION

FINANCIAL INSTITUTION SunTrust Bank Atlanta
Riverside Bank Marietta
Home Town Bank of Villa Rica Villa Rica

CHANGE LOCATION OF

APPROVAL DATE EFFECTIVE DATE

Halls Branch Office

10-30-2000

From: 7212 Maynardville Highway

Knoxville 32918

Knox County

To: 7302 Maynardville Pike

Knoxville 32918

Knox County

Galleria Branch Office From: 300 Galleria Parkway
Atlanta 30339 Cobb County To: 2841 Akers Mill Road Smyrna 30339-3104 Cobb County

08-31-2000

10-23-2000

Main Office

10-13-2000

From: 435 West Bankhead Highway Villa Rica 30180 Carroll County
To: Hwy 61 @ S. Van Wert Road Villa Rica 30180 Carroll County

PREVIOUS NAME Ashburn Bank Ashburn
The Bank of Fitzgerald Fitzgerald
Community Bank of Wilcox Pitts

NOTICE OF CHANGE IN NAME
NEW NAME Colony Bank Ashburn
Colony Bank of Fitzgerald
Colony Bank Wilcox

APPROVAL EFFECTIVE

DATE

DATE

Pending

Pending

Pending

APPLICATIONS FOR RESERVATION OF A NAME

PROPOSED NAME FLAG Bank
Montgomery Bank & Trust

COUNTY Dooly County
Montgomery County

APPLICANT Ms. Lynn M. Sumlin Esquire Powell, Goldstein, Frazer & Murphy 191 Peachtree St., 16th Floor Atlanta, GA 30303
Mr. Edward J. Harrell Martin, Snow, Grant & Napier, LLP P.O. Box 1606 Macon, GA 31202-1606

FINANCIAL INSTITUTION (SURVIVOR) Citizens Bank Vienna

FINANCIAL INSTITUTION MERGERS
MERGED INSTITUTION First Flag Bank LaGrange

APPROVAL EFFECTIVE

DATE

DATE

Pending

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

BANK HOLDING COMPANY
FORMATIONS Atlantic National Corporation Brunswick, GA

TO ACQUIRE
Atlantic National Bank Brunswick, GA

APPROVAL DATE Pending

ACQUISITIONS Synovus Financial Corp. Columbus, GA

Carolina Southern Bank Spartanburg, SC

10-25-2000

APPLICATIONS FOR NEW SALE OF CHECK

FINANCIAL INSTITUTION Citicorp Travel Payment Services, Inc. Chicago, IL 60631

APPROVAL DATE 10-30-2000

EFFECTIVE DATE 10-30-2000

CHECK CASHER LICENSES ISSUED

CITY Athens Waynesboro Atlanta Dublin Atlanta Atlanta Atlanta Chamblee Atlanta Forest Park

APPLICANT NAME * AZ & Sons, Inc.
Burke Loan Company, Inc. Dependable Stores, Inc. * Jaymi, Inc. * Kim, Yoo Ja * Kyung T. Kim Lee, Yong Ki * River Park Property Management, Inc. S&S Package Store LLC Waheed & Associates, Inc.

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

TRADE NAME Norwood Package Store Future Finance Dependable Stores Harry's Pkg Shop Walton Food Supermarket Bankhead Supermarket Underground Express Two Guys Package Store Sonny's Package Store Main Street Grocery

2001 HOLIDAY SCHEDULE
It is anticipated that the following schedule will be observed for 2001. Financial Institutions may observe both the official observance day as well as alternative observances indicated. In addition to these designated dates, financial institutions may close on Sunday and one discretionary day each week. If the discretionary day observed is changed permanently or temporarily, customer notice must be posted at least 30 days in advance.

2000
Columbus Day Veteran's Day
(Will be observed)
Thanksgiving Day (Lee's Birthday will be observed)
Christmas Day (Washington's Birthday will be observed)
2001

Monday, October 9 Saturday, November 11 Friday, November 10 Thursday, November 23 Friday, November 24 Monday, December 25 Tuesday, December 26

New Year's Day Martin Luther King, Jr.'s Birthday Robert E. Lee's Birthday
(Will be observed)
Washington's Birthday (Will be observed)
Confederate Memorial Day (Will be observed)
National Memorial Day Independence Day Labor Day Columbus Day Veteran's Day
(Will be observed)
Thanksgiving Day (Alternate observance of Lee's Birthday)
Christmas Day (Alternate observance of Washington's Birthday)

Monday, January 1 Monday, January 15 Friday, January 19 Friday, November 23 Monday, February 19 Monday, December 24 Thursday, April 26 Monday, April 23 Monday, May 28 Wednesday, July 4 Monday, September 3 Monday, October 8 Sunday, November 11 Monday, November 12 Thursday, November 22 Friday, November 23 Tuesday, December 25
Monday, December 24

EMERGENCY CLOSINGS
As the winter months approach, all financial institutions are reminded that current regulations provide for management to exercise its own discretion, with notification to the Department, in closing any institution for one business day (renewal for successive days) upon its determination that the safety of customers, employees or assets would be in jeopardy due to civil disorder, fire, acts of God, or utility failure or similar circumstances which render the institution unable to conduct business in a safe and sound manner. Such closings should be communicated to the Department by telephone, mail or fax as soon as transmission is feasible.
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