. . . .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/ 
 
January 31, 2001 
 
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 2001. 
IN THIS ISSUE: 
WEBSITE SURVEY 
APPLICATIONS FOR NEW FINANCIAL INSTITUTION 
 
FINANCIAL INSTITUTION 
 
CAPITALIZATION APPROVAL DATE BEGIN BUSINESS DATE 
 
Sweetwater Bank & Trust NW Cnr of Florence Road & HWY 278 Powder Springs, GA 30127 Cobb County 
 
$ 7,500,000 
 
Pending 
 
PREVIOUS NAME 
 
FINANCIAL INSTITUTION CONVERSIONS 
 
CONVERTED TO 
 
APPROVAL DATE EFFECTIVE DATE 
 
Douglas Federal Bank, A Federal Savings Bank 
 
Douglas Federal Bank 
Douglasville Douglas County 
 
Pending 
 
 APPLICATIONS TO ESTABLISH A BRANCH OFFICE 
 
FINANCIAL INSTITUTION 
 
BRANCH OFFICE 
 
APPROVAL EFFECTIVE 
 
DATE 
 
DATE 
 
Security Bank and Trust Company of Albany Albany 
SunTrust Bank Atlanta 
SunTrust Bank Atlanta 
SunTrust Bank Atlanta 
 
Super Wal-Mart Branch Office 
2825 Ledo Road Albany, GA 31705 Lee County 
Centennial Place Branch Office 523 Luckie Street Atlanta, GA 30313-2401 Fulton County 
Old Keene Mill Safeway Branch Office 9596 Old Keene Mill Road Burke, VA 22015 Fairfax County 
Turkey Creek In-Store Branch Office 10900 Parkside Drive Knoxville, TN 37923 Knox County 
 
11-14-2000 01-24-2001 Pending 
09-26-2000 12-18-2000 11-22-2000 01-24-2001 
 
SunTrust Bank Atlanta 
 
Sugarloaf Crossing Publix Branch Office 4850 Sugarloaf Parkway Lawrenceville, GA 30044 Gwinnett County 
 
01-27-2000 07-27-2000 
 
SunTrust Bank Atlanta 
SunTrust Bank Atlanta 
SunTrust Bank Atlanta 
 
Perry Hall Safeway Branch Office 9645 Belair Road Perry Hall, MD 21128 Baltimore County 
King Farm Safeway Branch Office 403 Redland Boulevard Rockville, MD 20850 Montgomery County 
Pleasant Valley Branch Office 22500 Pleasant Valley Road 
 
11-13-2000 01-10-2001 09-26-2000 01-24-2001 11-22-2000 01-08-2001 
 
 Peoples Bank Blackshear 
Peoples Bank Blackshear 
Peoples Bank Blackshear 
Bank of Camilla Camilla 
Gainesville Bank & Trust Gainesville 
 
Winchester, VA 22601 
Blackshear Branch Office Highway 84 East Blackshear, GA 31516-0272 Pierce County 
Homerville Branch Office 115 East Dame Avenue Homerville, GA 31634-1934 Clinch County 
Waycross Branch Office 2110 Memorial Drive Waycross, GA 31501 Ware County 
Pelham Branch Office 127 West Railroad St Pelham, GA 31779 Mitchell County 
Friendship Road Branch Office 4890 Golden Parkway Buford, GA 30518 Hall County 
 
Gwinnett Banking Company Lawrenceville 
 
Northwinds Branch Office 600 Northwinds Center West 11675 Rainwater Drive Alpharetta, GA 30004 Fulton County 
 
Independent Bank & Trust Company Powder Springs 
First Bank of Georgia Thomson 
 
Bridge Mill Branch Office 3781 Sixes Road Canton, GA 30114 Cherokee County 
Medical Center Branch Office 1580 Walton Way Augusta, GA 30904 Richmond County 
 
06-29-2000 10-03-2000 06-29-2000 10-03-2000 06-29-2000 10-03-2000 11-21-2000 01-02-2001 08-26-1999 01-02-2001 08-03-2000 01-17-2001 
01-31-2001 04-11-2000 01-16-2001 
 
 Citizens Bank Vienna 
Citizens Bank Vienna 
Citizens Bank Vienna 
Citizens Bank Vienna 
 
Buena Vista Branch Office 302 West Side Broad Buena Vista, GA 31803 Marion County 
Cusseta Branch Office One Courthouse Square Cusseta, GA 31805 Chattahoochee County 
Montezuma Branch Office 115 North Dooley Street Montezuma, GA 31063 Macon County 
Oglethorpe Branch Office 201 Macon Street Oglethorpe, GA 31068 Macon County 
 
12-18-2000 01-02-2001 12-18-2000 01-02-2001 12-18-2000 01-02-2001 12-18-2000 01-02-2001 
 
FINANCIAL INSTITUTION 
 
APPLICATIONS TO CHANGE LOCATION 
 
CHANGE LOCATION OF 
 
APPROVAL DATE 
 
EFFECTIVE DATE 
 
Crescent Bank and Trust Company 
 
Bartow County Branch Office 
 
Jasper 
 
From: Two Dixie Avenue 
 
Cartersville 30120 
 
Bartow County 
 
To: 880 Joe Frank Harris Pkwy, S. E. 
 
Cartersville 30120 
 
Bartow County 
 
01-29-2001 
 
PREVIOUS NAME 
1st Floyd Bank Rome 
 
NOTICE OF CHANGE IN NAME 
 
NEW NAME First Floyd Bank 
 
APPROVAL DATE Pending 
 
EFFECTIVE DATE 
 
APPLICATIONS FOR RESERVATION OF A NAME 
 
 PROPOSED NAME 
 
COUNTY 
 
APPLICANT 
 
First Floyd Bank 
 
Floyd County 
 
Ms. Maureen A. FitzGerald Attorney at Law 1600 Atlanta Financial Center 3343 Peachtree Rd., N. E. Atlanta, GA 30326-1044 
 
FINANCIAL INSTITUTION MERGERS 
 
FINANCIAL INSTITUTION (SURVIVOR) MERGED INSTITUTION 
 
APPROVAL DATE 
 
EFFECTIVE DATE 
 
Main Street Bank Covington 
 
Walton Bank & Trust Co. Monroe 
 
01-25-2001 
 
01-25-2001 
 
APPLICATIONS TO BECOME A BANK HOLDING COMPANY AND/OR TO ACQUIRE VOTING STOCK OF A FINANCIAL INSTITUTION 
 
BANK HOLDING COMPANY 
 
TO ACQUIRE 
 
APPROVAL DATE 
 
FORMATIONS 
 
Bank of America Corporation NB Holdings Corporation Charlotte, NC 
 
Bank of America Georgia, N. A. (In Org.) Atlanta, GA 
 
01-16-2001 
 
ACQUISITIONS 
 
Summit Bank Corporation Atlanta, GA 
 
Global Commerce Bank Doraville, GA 
 
Pending 
 
TB&C Bancshares, Inc. 
Synovus Financial Corp. Columbus, GA (To acquire 5.98% of Bank HC In Org.) 
 
Juniper Financial Corp. Wilmington, DE 
 
Pending 
 
CHECK CASHER LICENSES ISSUED 
 
 CITY Macon 
 
APPLICANT NAME 
* Ann & Lee Company, Inc. 
 
Waycross Pooler Woodstock Roswell Macon Riverdale Charlotte Chamblee Macon Dalton 
 
Boatright, Paul & Barbara Brewton Enterprises, Inc. Cedar Heights Corporation Espina, Jose Fastlane Check Cashing, Inc. Georgia Check Cashing, Inc. Harris Teeter, Inc. Station Services, Inc. Stringfellow & Paul, LLC Walnut Financial Services, LLC 
 
* =Exempt (O.C.G.A. 7-1-709) 
 
TRADE NAME A&L Food Market Boatright's Trim Shop J & S Management GA Super #98 & 55/Western Way Station Roswell Plaza Ck Cshg Mr. Payroll GA Check Cashing 
Amoco Food Shop Stringfellow & Paul Walnut Financial Services 
 
APPROVAL OF ELECTRONIC DATA PROCESSING SERVICER 
 
FINANCIAL INSTITUTION Waycross Bank & Trust Waycross, GA 
 
APPROVAL DATE 01-04-2001 
 
WEBSITE SURVEY 
A survey has been posted on the Department's website at: http://www.state.ga.us/dbf/survey/survey.cgi. The primary purpose of this survey is to gather suggestions and recommendations for improving our Website. We are especially interested in receiving feedback from institutions/licensees falling under the Department's regulatory and supervisory authority. In our efforts to provide more valuable resources/information to users of our website, your comments and suggestions will be carefully considered. Please take a moment to complete the website survey by visiting the link noted above. 
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