. . . .BULLETIN. . . .BULLETIN. . . .BULLETIN. . . .BULLETIN. . . . STATE OF GEORGIA DEPARTMENT OF BANKING AND FINANCE 2990 Brandywine Road, Suite 200 Atlanta, Georgia 30341-5565 DAVID G. SORRELL, ACTING COMMISSIONER Phone: (770) 986-1633 Fax: (770) 986-1655 Internet Address: http://www.gadbf.org October 31, 2002 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 October 2002. NOTICES: Georgia Fair Lending Act (GAFLA) Resources 2003 Holiday Schedule 1 of 7 APPLICATIONS FOR NEW FINANCIAL INSTITUTION FINANCIAL INSTITUTION Neighbors Bank 2320 Old Milton Parkway Alpharetta, GA 30004 Fulton County CAPITALIZATION APPROVAL DATE $ 9,000,000 10-15-2002 BEGIN BUSINESS DATE Georgia Commerce Bank 3625 Cumberland Boulevard Atlanta, GA 30339 Cobb County $ 10,000,000 Pending Lanier Community Bank 4356 South Lee Street Buford, GA 30518 Gwinnett County $ 10,000,000 10-29-2002 Mountain State Bank NW Corner of 400 Center Drive & Dawson 400 Circle Dawsonville, GA 30534 Dawson County $ 8,250,000 Pending First Commerce Community Bank 9464 Highway 5 Douglasville, GA 30135 Douglas County $ 8,500,000 10-21-2002 American Trust Bank 300 Colonial Center Parkway, Suite 150 Roswell, GA 30076 Fulton County $ 8,000,000 Pending APPLICATIONS FOR DISSOLUTION FINANCIAL INSTITUTION AmTrade International Bank of Georgia Atlanta, GA 30309 APPROVAL DATE Bank is in Receivership Click here for further information EFFECTIVE DATE APPLICATIONS TO ESTABLISH A BRANCH OFFICE FINANCIAL INSTITUTION SunTrust Bank Atlanta BRANCH OFFICE Hairston Crossing Publix In-Store Branch Office 2075 South Hairston Road Decatur, GA 30035 DeKalb County APPROVAL DATE 10-08-2002 BEGIN BUSINESS DATE 2 of 7 FINANCIAL INSTITUTION SunTrust Bank Atlanta SunTrust Bank Atlanta United Community Bank Blairsville Bank of Terrell Dawson Mountain State Bank Dawsonville Monroe County Bank Forsyth Community Bank and Trust - Troup LaGrange First Chatham Bank Savannah The Coastal Bank Savannah BRANCH OFFICE Orlando International Airport Branch Office 9259F Airport Boulevard Orlando, FL 32827 Orange County Hechinger Mall Safeway In-Store Branch Office 1601 Maryland Avenue NE Washington, DC 20002 Cornelia Branch Office 1472 441 By-Pass Cornelia, GA 30531 Habersham County Leesburg Branch Office 3000 North Slappey Drive Albany, GA 31701 Lee County Cumming Branch Office SW Corner of Bethelview Road & GA 9 Cumming, GA 30040 Forsyth County Bolingbroke Branch Office 10788 Estes Road Macon, GA 31210 Bibb County Ingles #491 Branch Office 1890 East Main Street Hogansville, GA 30230-2771 Troup County Mill Creek Center Branch Office 196 Pooler Parkway Pooler, GA 31322 Chatham County Operational Services Center Branch Office 605 West Highway 80 Pooler, GA 31322 Chatham County APPROVAL DATE 10-18-2002 BEGIN BUSINESS DATE 06-26-2002 10-30-2002 10-10-2002 03-03-2000 10-28-2002 Pending 08-20-2001 10-28-2002 09-17-2002 10-28-2002 08-17-2001 10-07-2002 08-20-2002 10-31-2002 3 of 7 PREVIOUS NAME First Bank of Gwinnett Lawrenceville NOTICE OF CHANGE IN NAME NEW NAME First Bank of the South APPROVAL DATE 10-24-2002 EFFECTIVE DATE Jordan Banking Company Leary Southern Horizon Bank 10-01-2002 10-01-2002 PROPOSED NAME Community Bank of Georgia APPLICATIONS FOR RESERVATION OF A NAME COUNTY Appling County APPLICANT Ms. Jeannie B. Osborne, Paralegal Powell Goldstein Frazer & Murphy 191 Peachtree Street, NE 16th Floor Atlanta, GA 30303 Freedom Bank Jackson County Ms. Jeannie B. Osborne, Paralegal Powell Goldstein Frazer & Murphy 191 Peachtree Street, NE, 16th Floor Atlanta, GA 30303 FINANCIAL INSTITUTION (SURVIVOR) Citizens Trust Bank Atlanta FINANCIAL INSTITUTION MERGERS MERGED INSTITUTION Citizens Federal Savings Bank Birmingham, AL APPROVAL DATE Pending EFFECTIVE DATE United Community Bank Blairsville United Community Bank West Georgia Carrollton 10-17-2002 United Community Bank Blairsville United Community Bank Metro Marietta 10-17-2002 United Community Bank Blairsville United Community Bank Dawson County Dawsonville 10-17-2002 United Community Bank Blairsville United Community Bank Rabun County Clayton 10-17-2002 United Community Bank Blairsville United Community Bank White County Cleveland 10-17-2002 United Community Bank Blairsville United Community Bank Towns County Hiawassee 10-17-2002 United Community Bank Blairsville United Community Bank North Georgia Blue Ridge 10-17-2002 4 of 7 FINANCIAL INSTITUTION (SURVIVOR) Main Street Bank Covington Western Union Bank Greenwood Village, CO MERGED INSTITUTION First National Bank of Johns Creek Suwanee First Financial Bank Atlanta APPROVAL DATE Pending EFFECTIVE DATE Pending First Bank of Gwinnett Lawrenceville Embry Bank Lawrenceville Pending Georgia Guard Credit Union Macon White Gold Credit Union Dry Branch 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 Pinnacle S-Corp, Inc. Elberton, GA Hazlehurst Investors, Inc. Hazlehurst, GA Pinnacle Bank Elberton, GA Bank of Hazlehurst Hazlehurst, GA Pending Pending ACQUISITIONS Synovus Financial Corp. Columbus, GA United Financial Holdings, Inc. St. Petersburg, FL 10-31-2002 Putnam-Greene Financial Corporation Eatonton, GA The Citizens Bank of Cochran Cochran, GA 10-28-2002 CITY Dalton Dalton Jonesboro Norcross Lithonia Atlanta Dalton Moultrie Dalton Savannah CHECK CASHER LICENSES ISSUED APPLICANT NAME Alanis, Inc. Carniceria Loa, Inc. Friends Check Cashing and Associates, LLC Impact Entertainments, Inc. Lee, Jung Yun Money Market of Atlanta, Inc. National Title/Pawn of Dalton, Inc. Plymel Package Store, Inc. Ramirez, Victor Tuten, William H., Jr. TRADE NAME Monterey Grocery Carniceria Loa Friends Check Cashing and Associates Impacto Cash Service IMM Panola SSI National Title Pawn Plymel Package Store Carniceria Loa #2 AB Cash Wizards 5 of 7 NOTICES Georgia Fair Lending Act (GAFLA) Resources The Georgia Fair Lending Act became effective on October 1, 2002. This law has a significant impact on Georgia residential mortgage lending and brokering activities. Please visit the Department's GAFLA Resources webpage at: http://www.state.ga.us/dbf/GAFLAresources.html where you will find information and resources pertaining to the GAFLA. 2003 HOLIDAY SCHEDULE On August 7, 2002, and in accordance with O.C.G.A. 1-4-1, Governor Roy E. Barnes proclaimed the following dates as public and legal holidays for the year 2003. 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. 2002 Veterans' Day Thanksgiving Day (Alternate observance of Lee's Birthday) Christmas Day (Alternate observance of President's Day) Monday, November 11 Thursday, November 28 Friday, November 29 Wednesday, December 25 Thursday, December 26 2003 6 of 7 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 (Will be observed) 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) Wednesday, January 1 Wednesday, January 15 Monday, January 20 Sunday, January 19 Friday, November 28 Saturday, February 22 Friday, December 26 Saturday, April 26 Monday, April 28 Monday, May 26 Friday, July 4 Monday, September 1 Monday, October 13 Tuesday, November 11 Thursday, November 27 Friday, November 28 Thursday, December 25 Friday, December 26 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 faxas soon as transmission is feasible. Back to top 7 of 7