. . . .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/ 
March 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 March 2001. IN THIS ISSUE: Form 990 Tax Filing Reminder for Credit Unions Invoice Fraud Schemes VistaBank, Ltd. Applications Manual & Statement of Policies 
APPLICATIONS FOR NEW FINANCIAL INSTITUTION 
 
 FINANCIAL INSTITUTION New South Bank 4077 Forsyth Street Macon, GA 31210 Bibb County 
 
CAPITALIZATION $ 7,000,000 
 
APPROVAL DATE Pending 
 
BEGIN BUSINESS DATE 
 
Georgian Bank (f/k/a Sweetwater Bank & Trust) 3270 Florence Road Powder Springs, GA 30127 Cobb County 
 
$ 7,500,000 
 
03-02-2001 
 
APPLICATIONS TO ESTABLISH A BRANCH OFFICE 
 
FINANCIAL INSTITUTION SunTrust Bank Atlanta 
 
BRANCH OFFICE Bethany Village In-Store Branch Office 13800 Highway 9, Suite E Alpharetta, GA 30004 Fulton County 
 
APPROVAL DATE 
03-29-2001 
 
BEGIN BUSINESS 
DATE 
 
SunTrust Bank Atlanta 
 
Toco Hills In-Store Branch Office 2969 North Druid Hills Road Atlanta, GA 30329-3909 DeKalb County 
 
03-29-2001 
 
SunTrust Bank Atlanta 
 
North Charles Safeway Branch Office 2401 North Charles Street Baltimore, MD 21218 
 
03-26-2001 
 
SunTrust Bank Atlanta 
 
Fairfax Towne Center Safeway Office 12200 W. Ox Road Fairfax, VA 22033 Fairfax County 
 
03-16-2001 
 
SunTrust Bank Atlanta 
 
Quince Orchard Safeway Branch Office 12251 Darnestown Rd Gaithersburg, MD 20878 Montgomery County 
 
03-26-2001 
 
 SunTrust Bank Atlanta 
SunTrust Bank Atlanta 
SunTrust Bank Atlanta 
Community Bank & Trust Cornelia 
First Nation Bank Covington 
Dalton Whitfield Bank Dalton 
The Peachtree Bank Duluth 
The Peachtree Bank Duluth 
 
McDonough West In-Store Branch Office 250 Jonesboro Road McDonough, GA 30253 Henry County 
Palm Coast West Branch Office 15 Pine Cone Drive Palm Coast, FL 32137 Flagler County 
Opitz Safeway Branch Office 20942 Daniel Stewart Square Woodbridge, VA 22191 Prince William County 
Kroger #437 Branch Office 3630 Thompson Bridge Gainesville, GA 30506 Hall County 
Willow Lane Branch Office 101 Willow Lane McDonough, GA 30253 Henry County 
Rocky Face Branch Office 2709 Chattanooga Road, Suite 5 Rocky Face, GA 30740 Whitfield County 
Mt. Vernon Branch Office 1725 Mt. Vernon Road, Suite D Dunwoody, GA 30338 DeKalb County 
Sugar Hill Branch Office 1400 Buford Highway, Suite E-4 Sugar Hill, GA 30518 Gwinnett County 
 
03-29-2001 02-19-2001 03-19-2001 03-26-2001 03-28-2001 03-06-2001 
Pending 03-06-2001 09-11-2000 03-13-2001 
 
 Gainesville Bank & Trust Gainesville 
 
North Hall Branch Office SR 60, 300 feet N of SR 283 Gainesville, GA 30506 Hall County 
 
The Heritage Bank Hinesville 
 
Savannah 204 Branch Office Hwy 17 & Hwy 204 Inside Wal-Mart Savannah, GA 31405 Chatham County 
 
Security Bank of Bibb County Macon 
 
Forsyth Road Branch Office 4219 Forsyth Road Macon, GA 31210 Bibb County 
 
First Community Bank of Georgia Byron Branch Office 
 
Roberta 
 
202 West White Road 
 
Byron, GA 31008 
 
Peach County 
 
03-26-2001 06-30-2000 03-14-2001 
Pending 08-28-2000 03-12-2001 
 
APPLICATIONS TO CHANGE LOCATION 
 
FINANCIAL INSTITUTION SunTrust Bank Atlanta 
 
CHANGE LOCATION OF Punta Gorda Isles Branch Office From: 1625 West Marion Avenue Punta Gorda, FL 33950 Charlotte County To: 1107 W. Marion Ave., Suite 119 Punta Gorda, FL 33950 Charlotte County 
 
APPROVAL EFFECTIVE 
 
DATE 
 
DATE 
 
06-28-2000 03-19-2001 
 
Citizens Bank Cairo 
 
Main Office From: 128 South Broad Street 
Cairo, GA 31728 Grady County To: 600 North Broad Cairo, GA 31728 Grady County 
 
11-17-1999 03-19-2001 
 
NOTICE OF CHANGE IN NAME 
 
 PREVIOUS NAME 1st Floyd Bank Rome 
Bank of Burke County Sardis 
 
NEW NAME First Floyd Bank 
Southern Bank 
 
APPROVAL DATE 02-12-2001 
 
EFFECTIVE DATE 02-14-2001 
 
Pending 
 
APPLICATIONS FOR RESERVATION OF A NAME 
 
PROPOSED NAME Business Bank Georgian Bank Glennville Bank 
Piedmont Bank Prime Bank 
 
COUNTY Cobb County Cobb County Tattnall County 
Fulton County Fulton County 
 
APPLICANT Mr. Robert A. Calvert, Jr. Calvert Consulting P. O. Box 768711 Roswell, GA 30076 
Ms. Veronica S. Jones, Attorney Bentley, Bentley & Bentley P. O. Box 968 Marietta, GA 30060 
Mr. Tracy M. Durrence President & CEO Glennville Bank & Trust Co. P.O. Box 278 Glennville, GA 30427-0278 
Mr. Richard T. Hills, Attorney Womble Carlyle Sandridge & Rice 1201 West Peachtree St., N.E. Atlanta, GA 30309 
Mr. Richard T. Hills, Attorney Womble Carlyle Sandridge & Rice 1201 W Peachtree St., NE Atlanta, GA 30309 
 
FINANCIAL INSTITUTION MERGERS 
 
 FINANCIAL INSTITUTION (SURVIVOR) 
United Community Bank 
Blairsville 
 
MERGED INSTITUTION First Floyd Bank Rome 
 
United Community Bank Blairsville 
 
Bank of Adairsville Adairsville 
 
Community First Bank Carrollton 
 
Douglas Federal Bank Douglasville 
 
APPROVAL DATE 
03-20-2001 
 
EFFECTIVE DATE 
 
03-20-2001 
 
Pending 
 
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 Reliance Financial Corporation Atlanta, GA 
 
Reliance Trust Company Atlanta, GA 
 
Pending 
 
SouthernBank Holdings, Inc. Buford, GA 
 
SouthernBank, N.A., (In Organization) Buford, GA 
 
Rescinded 03-21-2001 
 
NBOG Bancorporation, Inc. Gainesville, GA 
 
National Bank of Gainesville (In Organization) Gainesville, GA 
 
Pending 
 
Rivoli BanCorp, Inc. Macon, GA 
 
Rivoli Bank & Trust Macon, GA 
 
03-21-2001 
 
ACQUISITIONS Persons Banking Company, Inc. Lithonia, GA 
 
The Farmers Bank Forsyth, GA 
 
Pending 
 
BB&T Corporation Winston-Salem, NC 
 
Century South Banks, Inc. Alpharetta, GA 
CHECK CASHER LICENSES ISSUED 
 
03-13-2001 
 
CITY Atlanta Valdosta Nashville Vidalia Norcross Hoffman Estates, IL 
 
APPLICANT NAME Bernard Grissett Downtown Pawn, Inc. J.H. Harvey Company Lee Discount Company, Inc. Lilly's Checks Cashed, Inc. Sears, Roebuck and Co. 
 
TRADE NAME Money Center Check Cashing Pawn USA Harvey's Supermarkets Lee Discount Company, Inc. Lilly's Checks Cashed Sears Roebuck 
 
 N O T I C E S 
FINAL REMINDER For State Chartered Credit Unions 
Form 990 Tax Filing The Department informed all State Chartered Credit Unions early in 2000 that we would not be making a consolidated Tax Filing for the Year 2000 and thereafter. We placed a reminder in the Bulletin at year-end to further remind credit unions to make the necessary preparations for making this tax filing. This is a final reminder to all credit unions that they need to make plans to make this filing individually and obtain the necessary forms from the Internal Revenue Service to make this filing. The filing deadline is rapidly approaching, so you need to begin this process immediately if you have not already made this filing. If you require assistance in completing this return, there are a number of consultants and accountants, as well as the Georgia Credit Union Affiliates, that have been working with credit unions in completing these 990 Tax filings. The consolidated filings made for the two previous tax years are available on the Department's website at www.state.ga.us/dbf/credit_unions.html. If you have any questions regarding these issues, please feel free to Contact Deputy Commissioner for Supervision George A. Reynolds at (770) 986-1629 or Supervisory Manager Wayne Orr at (770) 986-1637. 
Notice to Financial Institution Management, Invoice Fraud Schemes It has come to the attention of the Department of Banking and Finance from several sources that financial institutions are receiving invoices for goods and services that have not been contracted for by the institution. The proliferation of technology has impacted the method of delivery and receipt of such invoices, and cases have been noted recently where invoices have been forwarded by fax or E-Mail in addition to regular mail. Management should have adequate control processes and procedures in place to determine that invoices are valid and that they represent goods or services that have been validly contracted for and received. If you determine that you have been the subject of such a fraud or attempted fraud, you should report this to law enforcement and make required SAR and Bonding Company filings where appropriate. If you have any further questions regarding these issues, please contact Deputy Commissioner for Supervision George A. Reynolds at (770) 986-1629. 
VistaBank, Ltd. It has been brought to the Department's attention that an institution called "VistaBank, Ltd." is located in and doing a financial services business in Georgia. This institution has not been authorized to do a banking business by this Department. 
Applications Manual and Statement of Policies The Department has revised these two publications. Both revisions, dated March 15, 2001, are available on the Department's website www.state.ga.us/dbf/forms_applications.html. Please note that the documents are in Portable Document Format (PDF) which can be read by Adobe 
 
 Acrobat Reader. Back to Top