. . . .BULLETIN. . . .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/ September 30, 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 September 2000. IN THIS ISSUE: Reminder about $6.50 per loan fees 2001 Holiday Schedule APPLICATIONS FOR NEW FINANCIAL INSTITUTION FINANCIAL INSTITUTION: Capitalization: Approval Date: Begin Business Date: Southern Horizon Bank 1554 Southlake Parkway Morrow GA 30260 Clayton County $ 7,500,000 Pending APPLICATIONS TO ESTABLISH A BRANCH OFFICE FINANCIAL INSTITUTION NAME: SunTrust Bank Atlanta GA BRANCH NAME: Old Keene Mill Safeway Branch Office 9596 Old Keene Mill Road Burke VA 22015 Fairfax County Approval Date: 09-26-2000 Begin Business Date: FINANCIAL INSTITUTION NAME: SunTrust Bank Atlanta GA BRANCH NAME: Cloverly Safeway Branch Office 15411 New Hampshire Avenue Cloverly MD 20904 Montgomery County Approval Date: 09-21-2000 Begin Business Date: FINANCIAL INSTITUTION NAME: SunTrust Bank Atlanta GA BRANCH NAME: Walker Springs In-Store Branch Office 8445 Wal Brook Drive Knoxville TN 37924 Knox County Approval Date: 09-11-2000 Begin Business Date: FINANCIAL INSTITUTION NAME: SunTrust Bank Atlanta GA BRANCH NAME: King Farm Safeway Branch Office 403 Redland Boulevard Approval Date: Begin Business Date: Rockville MD 20850 Montgomery County 09-26-2000 FINANCIAL INSTITUTION NAME: SunTrust Bank Atlanta GA BRANCH NAME: Severna Park Safeway Branch Office 540 Benfield Road Severna Park MD 21146 Anne Arundel County Approval Date: 07-12-2000 Begin Business Date: 08-16-2000 FINANCIAL INSTITUTION NAME: SunTrust Bank Atlanta GA BRANCH NAME: Briggs Chaney Safeway Branch Office 13514 Outlet Drive Silver Spring MD 20904 Montgomery County Approval Date: 09-21-2000 Begin Business Date: FINANCIAL INSTITUTION NAME: SunTrust Bank Atlanta GA BRANCH NAME: Sterling Plaza Safeway Branch Office 22350 Sterling Boulevard Sterling VA 20164 Loudoun County Approval Date: 09-26-2000 Begin Business Date: FINANCIAL INSTITUTION NAME: United Community Bank Blairsville GA BRANCH NAME: Thompson Bridge Road Branch 5516 Thompson Bridge Road Murrayville GA 30564 Hall County Approval Date: 09-04-1998 Begin Business Date: 09-07-1999 FINANCIAL INSTITUTION NAME: Community Bank & Trust - Habersham Cornelia GA BRANCH NAME: Approval Date: Begin Business Date: Ingles Toccoa Banking Center Branch Office 757 Big A Road, U. S. Highway 17 Toccoa GA 30577 Stephens County 03-27-2000 09-23-2000 FINANCIAL INSTITUTION NAME: First Nation Bank Covington GA BRANCH NAME: Salem Road Station Branch Office 13015 Brown Bridge Road Covington GA 30016 Newton County Approval Date: 09-18-2000 Begin Business Date: FINANCIAL INSTITUTION NAME: The Peachtree Bank Duluth GA BRANCH NAME: Sugar Hill Branch Office 1400 Buford Highway, Suite E-4 Sugar Hill GA 30518 Gwinnett County Approval Date: 09-11-2000 Begin Business Date: FINANCIAL INSTITUTION NAME: Bank of Ellaville Ellaville GA BRANCH NAME: Butler Branch Office (Central Bank trade name) 108 South Broad Street Butler GA 31006 Taylor County Approval Date: 09-20-2000 Begin Business Date: FINANCIAL INSTITUTION NAME: The Park Avenue Bank Valdosta GA BRANCH NAME: Henry County Branch Office S. Cedar Street near intersection of Racetrack Road McDonough GA 30253 Henry County Approval Date: 09-05-2000 Begin Business Date: FINANCIAL INSTITUTION NAME: Home Town Bank of Villa Rica Villa Rica GA BRANCH NAME: Bankhead Hwy Branch Office 435 West Bankhead Highway Villa Rica GA 30180-0399 Carroll County Approval Date: Pending Begin Business Date: NOTICE OF CHANGE IN NAME PREVIOUS NAME: NEW NAME: Approval Date: Effective Date: Community Bank & Trust - Habersham Cornelia GA Community Bank & Trust 09-19-2000 PREVIOUS NAME: NEW NAME: Approval Date: Effective Date: The Bank of Fitzgerald Fitzgerald GA Colony Bank of Fitzgerald Pending FINANCIAL INSTITUTION MERGERS FINANCIAL INSTITUTION SURVIVOR: Community Bank & Trust - Habersham Cornelia GA MERGED INSTITUTION: Community Bank & Trust - Jackson Commerce GA Approval Date: 09-19-2000 Begin Business Date: FINANCIAL INSTITUTION SURVIVOR: First Flag Bank LaGrange GA MERGED INSTITUTION: Thomaston Federal Savings Bank Thomaston GA Approval Date: 09-19-2000 Begin Business Date: APPLICATIONS TO BECOME A BANK HOLDING COMPANY AND/OR TO ACQUIRE VOTING STOCK OF A FINANCIAL INSTITUTION ACQUISITIONS BANK HOLDING COMPANY: TO ACQUIRE: Approval Date: n-Bank.Corp, Inc. (f/k/a First Commerce Bancorp, Inc.) Commerce GA First Commerce Bank, N.A. Commerce GA Approval Rescinded 09-28-2000 CHECK CASHER LICENSES ISSUED CITY: APPLICANT NAME: TRADE NAME: Douglasville GA HJH Associates, Inc. Douglasville Package Store CITY: APPLICANT NAME: TRADE NAME: Atlanta GA Kim, Ok Sun Park Pointe Community Grocery CITY: APPLICANT NAME: TRADE NAME: Swainsboro GA Mason's North Main B P, Inc. Mason's Nor Main B P CITY: APPLICANT NAME: TRADE NAME: Doraville GA S&G Worldwide, Inc. Doraville Package Store APPLICATIONS FOR RESERVATION OF A NAME PROPOSED NAME: APPLICANT: C & S Bank Chatham County Mr. Byron Richardson Bank Resources, Inc. 4290 Bells Ferry Rd, Ste 106-36 Kennesaw, GA 30144 PROPOSED NAME: APPLICANT: PROPOSED NAME: APPLICANT: PROPOSED NAME: APPLICANT: PROPOSED NAME: APPLICANT: PROPOSED NAME: APPLICANT: PROPOSED NAME: Citizens & Southern Bank Chatham County Mr. Byron Richardson Bank Resources, Inc. 4920 Bells Ferry Rd., Ste 106-36 Kennesaw, GA 30144 Colony Bank Ashburn Turner County Mr. Ben B. Mills, II Attorney at Law Mills & Chasteen, PC P.O. Box 408 Fitzgerald, GA 31750 Colony Bank of Fitzgerald Ben Hill County Mr. Ben B. Mills, Jr. Attorney at Law Mills & Chasteen, P.C. P.O. Box 408 Fitzgerald, GA 31750 Community Bank & Trust Habersham County Mr. Robert M. Moler, EVP Financial Solutions 2965 Flowers Road South Suite 112 Atlanta, GA 30341 Sweetwater Bank & Trust Cobb County Mr. Byron Richardson Bank Resources, Inc. 4290 Bells Ferry Rd., Ste 106-36 Kennesaw, GA 30144 White Gold Credit Union Twiggs County APPLICANT: Ms. Chery M. Wilson Manager Dry Branch Credit Union Rte. 1 Box 468D Dry Branch, GA 31020 APPLICATIONS TO CHANGE LOCATION FINANCIAL INSTITUTION: SunTrust Bank Atlanta GA CHANGE LOCATION OF: Northlake Branch Office From: 4030 LaVista Road Tucker GA DeKalb County To: 4089 LaVista Road Tucker GA 30084 DeKalb County Approval Date: 07-31-2000 Effective Date: 09-11-2000 FINANCIAL INSTITUTION: Georgia Bank & Trust Calhoun GA CHANGE LOCATION OF: Fairmount Branch Office From: 134 North Avenue Fairmount GA 30139 Gordon County To: Highway 411 South Fairmount GA 30701 Gordon County Approval Date: 10-27-1999 Effective Date: 02-24-2000 FINANCIAL INSTITUTION: Home Town Bank of Villa Rica Villa Rica GA CHANGE LOCATION OF: Main Office From: 435 West Bankhead Highway Villa Rica GA 30180 Carroll County To: Hwy 61 at S. Van Wert Road Villa Rica GA 30180 Carroll County Approval Date: Pending Effective Date: REMINDER The $6.50 per loan fees required by O.C.G.A. Section 7-1-1011(b)(2) and Department Rule due September 1, 2000, for loans secured by residential property closed during the period Ja through June 30, 2000. Department Rule 80-11-3-.01(1)(j) imposes a fine of $1,000 for fai the required $6.50 per loan fee prior to November 1, 2000. You may utilize the form below or the reporting form which is available on the Department's http:/www.state.ga.us/dbf/650feest.htm1. Please review your files and remit the required $6.50 per loan fees as soon as possible. GEORGIA RESIDENTIAL MORTGAGE ACT FEE STATEMENT SEMIANNUAL STATEMENT OF PER LOAN FEES 1. Name of Remitter ________________________________________________ 2. Fee Statement for ___________________ through ___________________ 3. License/Registration Number ______________________________________ 4. Number of mortgage loans closed during reporting period. __________ 5. Total Amount Enclosed ___________________________________________ 80-5-1-04 Levy, Collection and Remittance of Georgia Residential Mortgage Act Per Loan Fee. Amended. (a) Each borrower who obtains a mortgage loan as defined in Article 13 shall pay to the Department a per loan fee of $6.50. Any person wh mortgage loans that are subject to regulation under Article 13, regardless of whether said person is required to be licensed or registered und Article 13, shall act as collecting agent for payment to the Department of said per loan fee for each mortgage loan closed by that person on after January 1, 1994. A mortgage loan shall be deemed to have been closed by a person if such person is indicated as the secured party on security deed or any other loan document that establishes a lien on the residential real estate t! aken as collateral for the mortgage loan. (b) The fees payable under the provisions of subsection (a) shall be payable to the Department by the collecting agent, who is the person r for remittance of such fees on a semiannual basis. More specifically, such fees for the period January 1 through June 30 of each year shall b remitted to the Department no later than the first business day of September of each year and such fees for the period July 1 through Decem of each year shall be remitted to the Department no later than the first business day of March of each year. The first remittance of such fees be made to the Department no later than September 1, 1994 for the period January 1, 1994 through June 30, 1994! . A fee statement indicating the number of mortgage loans closed during the applicable reporting period by the person remitting the payment should be enclosed with Back to Top 2001 HOLIDAY SCHEDULE It is anticipated that the following schedule will be observed for 2001. Financial Institutions observe both the official observance day as well as alternative observances indicated. In add to these designated dates, financial institutions may close on Sunday and one discretionary d week. If the discretionary day observed is changed permanently or temporarily, customer n 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) Monday, October 9 Saturday, November 11 Friday, November 10 Thursday, November 23 Friday, November 24 Monday, December 25 Tuesday, December 26 2001 New Year's Day Mart! in 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 regulation management to exercise its own discretion, with notification to the Department, in closing an for one business day (renewal for successive days) upon its determination that the safety of employees or assets would be in jeopardy due to civil disorder, fire, acts of God, or utility fai circumstances which render the institution unable to conduct business in a safe and sound m closings should be communicated to the Department by telephone, mail or fax as soon as transmission is feasible. 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