Department of Banking and Finance bulletin, Nov. 30, 2001

. . . .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.gadbf.org

November 30, 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 November 2001.
IN THIS ISSUE:
Website Redirection Address................................................................................ Page 8 2002 Holiday Schedule ......................................................................................... Page 8

APPLICATIONS FOR NEW FINANCIAL INSTITUTION

FINANCIAL INSTITUTION

CAPITALIZATION

APPROVAL DATE

Georgia Banking Company

$ 8,250,000

04-11-2000

6190 Powers Ferry Road, Suite 150

Atlanta, GA 30339

Fulton County

BEGIN BUSINESS DATE 11-01-2001

United Commercial Bank 5660 New Northside Drive, Suite 200 Atlanta, GA 30328 Fulton County

$ 10,000,000

11-20-2001

Piedmont Community Bank 110 Highway 18 Connector Gray, GA 31032 Jones County

$ 6,000,000

Pending

Georgian Bank 3270 Florence Road Powder Springs, GA 30127 Cobb County

$ 8,362,034

03-02-2001

11-14-2001

Satilla Community Bank 6308 Highway 40 East St. Marys, GA 31558 Camden County

$ 5,053,270

04-07-1999

11-20-2001

Homestead Bank 1120 Peachtree Industrial Boulevard Suwanee, GA 30024 Gwinnett County

$ 10,000,000

Pending

PREVIOUS NAME InfiBank Atlanta, GA Fulton County

FINANCIAL INSTITUTION CONVERSIONS

CONVERTED TO

APPROVAL DATE

InfiBank, N.A.

OCC

EFFECTIVE DATE 11-26-2001

Pinnacle Bank, National Association Pinnacle Bank Elberton, GA Elbert County

10-19-2001

11-13-2001

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FINANCIAL INSTITUTION Bank of North Georgia Alpharetta

APPLICATIONS TO ESTABLISH A BRANCH OFFICE

BRANCH OFFICE Buckhead Branch Office 11 Piedmont Center, Suite 110 Atlanta, GA 30305 Fulton County

APPROVAL DATE
05-25-2001

BEGIN BUSINESS DATE
11-01-2001

Bank of North Georgia Alpharetta

Fulton County Branch Office 1000 Abernathy Road, Suite 1400 Atlanta, GA 30328 Fulton County

08-20-2001

11-01-2001

Athens First Bank & Trust Co mpany Braselton Highway Branch Office

Athens

3507 Braselton Highway

Dacula, GA 30019

Gwinnett County

11-27-2001

Georgia Banking Company Atlanta

Peachtree Street Branch Office 3391 Peachtree St., NE, Suite 10 Atlanta, GA 30326 Fulton County

11-17-2000

11-19-2001

SunTrust Bank Atlanta

Purchase of 142 Florida Branch Offices from The Huntington National Bank Columbus, OH List of branches available at: www.state.ga.us/dbf/pdfdoc/suntrustapplication.pdf

11-02-2001

SunTrust Bank Atlanta

Tree Summit Village Publix In-Store Branch Office 3870 Peachtree Industrial Boulevard Duluth, GA 30096 Gwinnett County

08-28-2001

11-08-2001

SunTrust Bank Atlanta

Delk Spectrum Publix In-Store Branch Office 2900 Delk Road, Suite 1150 Marietta, GA 30067 Cobb County

08-28-2001

11-01-2001

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FINANCIAL INSTITUTION SunTrust Bank Atlanta

APPLICATIONS TO ESTABLISH A BRANCH OFFICE

BRANCH OFFICE

APPRO VAL DATE

Mount Airy Safeway In -Store Branch Office

11-01-2001

337 E. Ridgeville Boulevard

Mount Airy, MD 21771

Carroll County

The Coastal Bank of Georgia Brunswick

Wealth Management Branch Office 100 Main Street St. Simons Island, GA 31522 Glynn County

08-14-2001

Southeastern Bank Darien

Richmond Hill Branch Office 1925 Highway 17 Richmond Hill, GA 31324 Bryan County

11-06-2001

Merchants and Farmers Bank Donalsonville

Colquitt Branch Office 162 East Crawford Street Colquitt, GA 31737 Miller County

11-05-2001

SunMark Community Bank Hawkinsville

Fort Valley Branch Office 205 South Camellia Boulevard Fort Valley, GA 31030 Peach County

07-19-2001

Heritage Bank Jonesboro

Fayetteville Towne Center Branch Office 855 Highway 85 South Fayetteville, GA 30214 Fayette County

12-18-2000

Security Bank of Bibb County Carlyle Place Branch Office

Macon

5300 Zebulon Road

Macon, GA 31210

Bibb County

11-15-2001

BEGIN BUSINESS DATE
11-09-2001
11-13-2001 11-13-2001

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FINANCIAL INSTITUTION FLAG Bank Vienna

APPLICATIONS TO ESTABLISH A BRANCH OFFICE

BRANCH OFFICE

APPROVAL DATE

McDonough Village Branch Office

11-05-2001

908 Hampton Road, Suite 1

McDonough Village

McDonough, GA 30281

Henry County

BEGIN BUSINESS DATE

FLAG Bank Vienna

Roswell Branch Office L.L. 412, 1st Dist., 2nd Sec. Roswell, GA 30075 Fulton County

Pending

FINANCIAL INSTITUTION Associated Credit Union Norcross

APPLICATIONS TO CHANGE LOCATION
CHANGE LOCATION OF Main Office From: 6789 Peachtree Industrial Boulevard Atlanta, GA 30360-2288 DeKalb County To: 6251 Crooked Creek Road Norcross, GA 30092-3107 Gwinnett County

APPROVAL DATE
02-13-2001

EFFECTIVE DATE
11-13-2001

HomeTown Bank of Villa Rica Villa Rica

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

10-13-2000

11-05-2001

NOTICE OF CHANGE IN NAME

PREVIOUS NAME Peoples Bank of West Georgia Carrollton

NEW NAME United Community Bank West Georgia

APPROVAL DATE 11-05-2001

EFFECTIVE DATE 11-13-2001

First Clayton Bank& Trust Clayton

United Community Bank Rabun County

10-30-2001

11-05-2001

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PREVIOUS NAME White County Bank Cleveland
Dawson County Bank Dawsonville
Towns County Bank Hiawassee
New South Bank Macon
PROPOSED NAME New Southern Bank

NOTICE OF CHANGE IN NAME

NEW NAME

APPROVAL DATE EFFECTIVE DATE

United Community Bank White County

10-30-2001

11-05-2001

United Community Bank Dawson County

11-19-2001

11-19-2001

United Community Bank Towns County

10-30-2001

11-05-2001

New Southern Bank

Pending

APPLICATIONS FOR RESERVATION OF A NAME

COUNTY Bibb County

APPLICANT Mr. David Valentino Powell, Goldstein, Frazer & Murphy 191 Peachtree Street, 16th Floor Atlanta, GA 30303-1736

FINANCIAL INSTITUTION (SURVIVING)
Branch Banking and Trust Company Winston-Salem, NC
Branch Banking and Trust Company Winston-Salem, NC
Branch Banking and Trust Company Winston-Salem, NC
Branch Banking and Trust Company Winston-Salem, NC
Branch Banking and Trust Company Winston-Salem, NC

FINANCIAL INSTITUTION MERGERS
FINANCIAL INSTITUTION (MERGING)
Century South Bank of Dawsonville Dawsonville
Century South Bank of Dahlonega Dahlonega
Century South Bank of Danielsville Danielsville
Century South Bank of Lavonia Lavonia
Century South Bank of Ellijay Ellijay

APPROVAL DATE
10-30-2001

EFFECTIVE DATE
11-09-2001

10-30-2001

11-09-2001

10-30-2001

11-09-2001

10-30-2001

11-09-2001

10-30-2001

11-09-2001

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

BANK HOLDING COMPANY West Metro Financial Services, Inc. Dallas, GA

TO ACQUIRE First National Bank of West Metro (in organization) Dallas, GA

DNB Financial Services, Inc. Douglas, GA

Douglas National Bank (in organization) Douglas, GA

FNC S-Corp. Douglas, GA

FNC Bancorp, Inc. Douglas, GA

First Southern Bancorp Statesboro, GA

First Southern National Bank (In Organization) Statesboro, GA

CHECK CASHER LICENSES ISSUED

CITY Forest Park Tucker Salisbury, NC Milledgeville Decatur Albany Griffin

APPLICANT NAME Atifa Enterprises, Inc. Deli Delites, Inc. Food Lion, LLC Gunby, Chester L. Muheb, Inc. Roseanna Enterprises, Inc. Spalding Spirits, Inc.

TRADE NAME Checks Plus Deli Delites Food Lion Quick Loan Company Texaco Food Mart Check Cash Place Powers Beverage Outlet

APPROVAL DATE Pending
11-09-2001
Pending
Pending

APPROVAL OF ELECTRONIC DATA PROCESSING SERVICER

FINANCIAL INSTITUTION CardTran Marietta, GA

APPROVAL DATE 11-16-2001

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N O T I C E S

WEBSITE REDIRECTION ADDRESS
The traditional, previously published government address for the Georgia Department of Banking and Finance's website www.state.ga.us/dbf is no longer the only way to get to our website. The much simpler www.gadbf.org or www.georgiadepartmentofbanking.org may also be used to access our website.

2002 HOLIDAY SCHEDULE

It is anticipated that the following schedule will be observed for 2002. 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.

2001

Christmas Day (Alternate observance of Washington's Birthday)

Tuesday, December 25 Monday, December 24

2002
New Year's Day Martin Luther King, Jr.'s Birthday (Will be observed) Robert E. Lee's Birthday (Will be observed) Washington's Birthday (Will be observed) Confederate Memorial Day National Memorial Day Independence Day Labor Day Columbus Day Veterans' Day Thanksgiving Day (Alternate observance of Lee's Birthday) Christmas Day (Alternate observance of Washington's Birthday)

Tuesday, January 1 Tuesday, January 15 Monday, January 21 Saturday, January 19 Friday, November 29 Monday, February 18 Thursday, December 26 Friday, April 26 Monday, May 27 Thursday, July 4 Monday, September 2 Monday, October 14 Monday, November 11 Thursday, November 28 Friday, November 29 Wednesday, December 25 Thursday, December 26

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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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