. . . .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 2 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 3 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 4 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 5 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 6 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 7 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 8 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. 9