. . . .BULLETIN. . . .BULLETIN. . . .BULLETIN. . . .BULLETIN. . . .BULLETIN. . . . 
 
STATE OF GEORGIA 
 
DEPARTMENT OF BANKING AND FINANCE 
Internet Address: http://www.state.ga.us/dbf/ 
 
STEVEN D. BRIDGES, COMMISSIONER 
 
Phone: (770) 986-1633 
 
Fax: (770) 986-1655 
 
February 29, 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 February, 2000. 
APPLICATIONS FOR NEW FINANCIAL INSTITUTION 
FINANCIAL INSTITUTION: Integrity Bank 11130 State Bridge Road Alpharetta GA 30022 Fulton County 
 
 Capitalization: 
 
$ 10,000,000 
 
Approval Date: 
 
Pending 
 
Begin Business Date: 
 
FINANCIAL INSTITUTION: 
 
Georgia Banking Company 
 
6520 Powers Ferry Road 
 
Suite 110 
 
Atlanta GA 30339 
 
Fulton County 
 
Capitalization: 
 
$ 5,000,000 
 
Approval Date: 
 
Pending 
 
Begin Business Date: 
 
FINANCIAL INSTITUTION: 
 
The Bank of Georgia 
 
2008 Highway 54 West 
 
Fayetteville GA 30214 
 
Fayette County 
 
Capitalization: 
 
$ 11,000,000 
 
Approval Date: 
 
07/29/1999 
 
Begin Business Date: 02/18/2000 
 
FINANCIAL INSTITUTION: 
 
Community Bank of Pickens County 
 
15 Mountainside Drive 
 
Jasper GA 30143 
 
Pickens County 
 
Capitalization: 
 
$ 5,000,000 
 
Approval Date: 
 
Pending 
 
Begin Business Date: 
 
APPLICATIONS TO ESTABLISH A BRANCH OFFICE 
 
FINANCIAL INSTITUTION NAME: 
 
SunTrust Bank 
 
Atlanta GA 
 
BRANCH NAME: 
 
Columbia East Office 
 
NW Corner of Snowden River Parkway 
 
and Waterloo Road 
 
Columbia MD 21045 
 
Howard County 
 
Approval Date: 
 
02/11/2000 
 
Begin Business Date: 
 
FINANCIAL INSTITUTION NAME: SunTrust Bank Atlanta GA 
 
 BRANCH NAME: 
Approval Date: Begin Business Date: 
 
London Towne Boulevard Safeway Branch Office 1313 London Towne Boulevard Sykesville MD 21764 Carroll County Pending 
 
FINANCIAL INSTITUTION NAME: 
 
Peoples Bank of Fannin County 
 
Blue Ridge GA 
 
BRANCH NAME: 
 
Highway 282 Office 
 
558 Industrial Boulevard 
 
Ellijay GA 30540 
 
Gilmer County 
 
Approval Date: 
 
04/05/1999 
 
Begin Business Date: 02/07/2000 
 
FINANCIAL INSTITUTION NAME: 
 
Community Bank & Trust - Jackson 
 
Commerce GA 
 
BRANCH NAME: 
 
Wal-Mart Banking Center Branch Office 
 
30983 South Highway 441 
 
Commerce GA 30529 
 
Jackson County 
 
Approval Date: 
 
02/03/2000 
 
Begin Business Date: 
 
FINANCIAL INSTITUTION NAME: 
 
The Citizens Bank of Forsyth County 
 
Cumming GA 
 
BRANCH NAME: 
 
Midway Branch Office 
 
5140 Highway 9 
 
Campground Road 
 
Alpharetta GA 30004 
 
Forsyth County 
 
Approval Date: 
 
08/13/1999 
 
Begin Business Date: 02/16/2000 
 
FINANCIAL INSTITUTION NAME: 
 
Greater Rome Bank 
 
Rome GA 
 
BRANCH NAME: 
 
Shorter Avenue Branch Office 
 
2518 Shorter Avenue 
 
Rome GA 30165 
 
Floyd County 
 
Approval Date: 
 
02/28/2000 
 
Begin Business Date: 
 
 APPLICATIONS TO BECOME A BANK HOLDING COMPANY AND/OR TO ACQUIRE VOTING STOCK OF A FINANCIAL INSTITUTION 
 
FORMATIONS 
 
BANK HOLDING COMPANY: 
 
NBG Bancorp, Inc. 
 
Athens GA 
 
TO ACQUIRE: 
 
National Bank of Georgia (In Organization) 
 
Athens GA 
 
Approval Date: 
 
Pending 
 
BANK HOLDING COMPANY: 
 
Gwinnett Commercial Group, Inc. 
 
Lawrenceville GA 
 
TO ACQUIRE: 
 
First Bank of Gwinnett (In Organization) 
 
Lawrenceville GA 
 
Approval Date: 
 
02/01/2000 
 
BANK HOLDING COMPANY: 
 
Centura Bank 
 
Rocky Mount NC 
 
TO ACQUIRE: 
 
Centura Card Bank (In Organization) 
 
Norcross GA 
 
Approval Date: 
 
Pending 
 
APPLICATIONS TO BECOME A BANK HOLDING COMPANY AND/OR TO ACQUIRE VOTING STOCK OF A FINANCIAL INSTITUTION 
 
ACQUISITIONS ONLY 
 
BANK HOLDING COMPANY: 
 
nBank.Corp., Inc. 
 
Commerce GA 
 
TO ACQUIRE: 
 
First Commerce Bank, N.A. (In Organization) 
 
Commerce GA 
 
Approval Date: 
 
02/23/2000 
 
BANK HOLDING COMPANY: First Sterling Banks, Inc. 
 
 TO ACQUIRE: Approval Date: 
 
Kennesaw, GA 
Main Street Banks, Inc. Covington GA Pending 
 
BANK HOLDING COMPANY: 
 
BB&T Corporation 
 
Winston-Salem NC 
 
TO ACQUIRE: 
 
Hardwick Holding Company 
 
Dalton GA 
 
Approval Date: 
 
02/28/2000 
 
BANK HOLDING COMPANY: 
 
BB&T Corporation 
 
Winston-Salem NC 
 
TO ACQUIRE: 
 
First Banking Company of Southeast Georgia 
 
Statesboro GA 
 
Approval Date: 
 
02/24/2000 
 
FINANCIAL INSTITUTION MERGERS 
 
FINANCIAL INSTITUTION SURVIVOR: 
 
Georgia Telco Credit Union 
 
Atlanta GA 
 
MERGED INSTITUTION: 
 
Gold Kist/Cotton States Employees Federal CU 
 
Atlanta GA 
 
Approval Date: 
 
02/10/2000 
 
Begin Business Date: 
 
FINANCIAL INSTITUTION SURVIVOR: 
 
First Flag Bank 
 
LaGrange GA 
 
MERGED INSTITUTION: 
 
The Citizens Bank 
 
Hogansville GA 
 
Approval Date: 
 
02/03/2000 
 
Begin Business Date: 02/11/2000 
 
FINANCIAL INSTITUTION SURVIVOR: 
 
Northeast Georgia Bank 
 
Lavonia GA 
 
MERGED INSTITUTION: 
 
Bank of Hartwell 
 
Hartwell GA 
 
Approval Date: 
 
02/23/2000 
 
 Begin Business Date: 
 
APPLICATIONS FOR RESERVATION OF A NAME 
 
PROPOSED NAME: APPLICANT: 
 
Bank of Metter Candler County 
Mr. Van Reynolds, II Attorney at Law 315 Cedar Road Metter, GA 30439 
 
PROPOSED NAME: APPLICANT: 
 
Century South Bank of Dahlonega Lumpkin County 
Ms. Susan Anderson Senior Vice President Century South Banks, Inc. 60 Main Street, West Dahlonega, GA 30533 
 
PROPOSED NAME: APPLICANT: 
 
Century South Bank of Danielsville Madison County 
Ms. Susan Anderson Senior Vice President Century South Banks, Inc. 60 Main Street, West Dahlonega, GA 30533 
 
PROPOSED NAME: APPLICANT: 
 
Century South Bank of Dawsonville Dawson County 
Ms. Susan Anderson Senior Vice President Century South Banks, Inc. 60 Main Street, West Dahlonega, GA 30533 
 
PROPOSED NAME: APPLICANT: 
 
Century South Bank of Ellijay Gilmer County 
Ms. Susan Anderson Senior Vice President 
 
 PROPOSED NAME: APPLICANT: 
PROPOSED NAME: APPLICANT: 
PROPOSED NAME: APPLICANT: 
 
Century South Banks, Inc. 60 Main Street, West Dahlonega, GA 30533 
Century South Bank of Lavonia Franklin County 
Ms. Susan Anderson Senior Voce President Century South Banks, Inc. 60 Main Street, West Dahlonega, GA 30533 
First Bank of Henry County Henry County 
Ms. Peggy Higginbotham Mauldin & Jenkins Post Office Box 724888 Atlanta, GA 31139-1888 
PlantersFIRST Crisp County 
Mr. W. Shannon, Jr. Secretary/Treasurer Cordele Banking Company P.O. Box 879 Cordele, GA 31010-0879 
 
APPLICATIONS TO CHANGE LOCATION 
 
FINANCIAL INSTITUTION: 
 
First Community Bank of Southwest Georgia 
 
Bainbridge GA 
 
CHANGE LOCATION OF: 
 
Shotwell Street Office 
 
From: 
 
400 East Shotwell Street 
 
Bainbridge GA 31717 
 
Decatur County 
 
To: 
 
1705 East Shotwell Street 
 
Bainbridge GA 31717 
 
Decatur County 
 
Approval Date: 
 
02/14/2000 
 
Effective Date: 
 
 CHECK CASHER LICENSES ISSUED 
 
CITY: APPLICANT NAME: TRADE NAME: 
 
Atlanta GA CashMart, Inc. CashMart 
 
CITY: APPLICANT NAME: TRADE NAME: 
 
Atlanta GA Natha, Roy Fazal BP-Amoco Food Stores 
 
CITY: APPLICANT NAME: TRADE NAME: 
 
Atlanta GA S.M.R. Investment, Inc. Olympic Package Store 
 
CITY: APPLICANT NAME: TRADE NAME: 
 
Atlanta GA Your Check Cashing Store, Inc. Your Best Check Cashing 
 
CITY: APPLICANT NAME: TRADE NAME: 
 
Conyers GA ABC Package Corporation ABC Package Store 
 
* = Exempt (O.C.G.A. 7-1-709) 
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