. . . .BULLETIN. . . .BULLETIN. . . .BULLETIN. . . .BULLETIN. . . . 
 
STATE OF GEORGIA 
DEPARTMENT OF BANKING AND FINANCE 
2990 Brandywine Road, Suite 200 Atlanta, Georgia 30341-5565 
DAVID G. SORRELL, COMMISSIONER 
 
Phone: (770) 986-1633 
 
Fax: (770) 986-1655 
 
Internet Address: http://www.gadbf.org/ 
September 30, 2003 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 September 2003. 
IN THIS ISSUE: 
Guidelines Regarding the Avoidance of Predatory and Abusive Mortgage Lending Practices in Georgia State Chartered Banks 
 
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 APPLICATIONS FOR NEW FINANCIAL INSTITUTION 
 
FINANCIAL INSTITUTION Northwest Bank & Trust 3891 Cobb Parkway Acworth, GA 30101 Cobb County 
 
CAPITALIZATION APPROVAL DATE 
 
$ 10,000,000 
 
09-25-2003 
 
BEGIN BUSINESS DATE 
 
Neighbors Bank 2380 Old Milton Parkway Alpharetta, GA 30004 Fulton County 
 
$ 10,800,000 
 
10-15-2002 
 
09-19-2003 
 
New Horizons Bank 489 Highland Circle East Ellijay, GA 30539 Gilmer County 
 
$ 7,000,000 
 
Pending 
 
1st Georgia Banking Company 101 Main Street Franklin, GA 30217 Heard County 
 
$ 15,000,000 
 
09-04-2003 
 
Local Bank of Middle Georgia 532-550 North Davis Drive Warner Robins, GA 31093 Houston County 
 
$ 6,000,000 
 
Withdrawn 09-05-2003 
 
PREVIOUS NAME Frontier Bank, National Association 
 
FINANCIAL INSTITUTION CONVERSIONS 
 
CONVERTED TO Frontier Bank LaGrange Troup County 
 
APPROVAL DATE 09-25-2003 
 
EFFECTIVE DATE 
 
First National Bank of Cherokee 
 
First Cherokee State Bank Woodstock Cherokee County 
 
Pending 
 
FINANCIAL INSTITUTION Wheeler County State Bank Alamo 
 
APPLICATIONS TO ESTABLISH A BRANCH OFFICE 
 
BRANCH OFFICE Dublin Branch Office/Atlantic South Bank 1409 Bellevue Avenue Dublin, GA 31021 Laurens County 
 
APPROVAL DATE 
09-09 -2003 
 
BEGIN BUSINESS DATE 
 
SunTrust Bank Atlanta 
 
Sage Hill Office 1799 Briarcliff Road, NE Atlanta, GA 30306 DeKalb County 
 
09-18 -2003 
 
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 FINANCIAL INSTITUTION SunTrust Bank Atlanta 
SunTrust Bank Atlanta 
SunTrust Bank Atlanta 
SunTrust Bank Atlanta 
SunTrust Bank Atlanta 
Community Bank & Trust Cornelia 
Citizens & Merchants State Bank Douglasville 
The Peachtree Bank Duluth 
1st Georgia Banking Company Franklin 
1st Georgia Banking Company Franklin 
 
BRANCH OFFICE Publix @ Chateau Elan Branch Office 2095 Highway 211, NW Braselton, GA 30517 Barrow County 
Smith Mountain Lake Kroger In-Store Branch Office 80 Westlake Road Hardy, VA 24101 Franklin County 
Henry Town Center Branch Office 1860 Jonesboro Road McDonough, GA 30253 Henry County 
Baldwin Park Branch Office 4751 New Broad Street Orlando, FL 32813 Orange County 
1275 K Street Branch Office 1275 K Street, NW Washington, DC 20005 
Rabun County Branch Office 174 Highway 441, North Clayton, GA 30525 Rabun County 
Hiram Branch Office 75 Metromont Road Hiram, GA 30141 Paulding County 
Roswell Branch Office 695 Mansell Road, Suite 110 Roswell, GA 30076 Fulton County 
Bremen Branch Office 102 Stone Bridge Boulevard Bremen, GA 30110 Haralson County 
Carrollton Branch Office 100 Tom Reeves Drive Carrollton, GA 30117 Carroll County 
 
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APPROVAL DATE 
03-31 -2003 
 
BEGIN BUSINESS DATE 
09-29 -2003 
 
07-07 -2003 
 
09-25 -2003 
 
01-30 -2003 
 
09-22 -2003 
 
09-29 -2003 
 
05-05 -2003 
 
09-08 -2003 
 
09-10 -2003 
 
03-25 -2002 
 
09-02 -2003 
 
09-09 -2003 
 
09-04 -2003 
 
09-04 -2003 
 
 FINANCIAL INSTITUTION First Bank of the South Lawrenceville 
 
BRANCH OFFICE Snellville Branch Office 2168 Scenic Highway Snellville, GA 30078 Gwinnett County 
 
APPROVAL DATE 
04-25 -2003 
 
BEGIN BUSINESS DATE 
09-22 -2003 
 
Bank of Madison Madison 
 
Social Circle Branch Office 1281 North Cherokee Road Social Circle, GA 30025 Walton County 
 
09-18 -2003 
 
First Chatham Bank Savannah 
 
Telfair Square Branch Office 111 Barnard Street Savannah, GA 31402 Chatham County 
 
09-23 -2003 
 
APPLICATIONS TO CHANGE LOCATION 
 
FINANCIAL INSTITUTION Monogram Credit Card Bank of Georgia Atlanta 
 
CHANGE LOCATION OF Main Office From: 7840 Roswell Road, Building 100 Atlanta 30350 Fulton County To: 4125 Windward Plaza Drive Alpharetta GA 30005 -8738 Fulton County 
 
APPROVAL DATE 09 -24-2003 
 
EFFECTIVE DATE 
 
PREVIOUS NAME Sea Island Employees Credit Union Brunswick 
 
NOTICE OF CHANGE IN NAME 
NEW NAME Sea Island Credit Union 
 
APPROVAL DATE 
09 -04 -2003 
 
EFFECTIVE DATE 
09 -05 -2003 
 
Bank of Ellaville Ellaville 
 
Central Bank of Georgia 
 
Pending 
 
PROPOSED NAME Community Bank of Madison 
 
APPLICATIONS FOR RESERVATION OF A NAME 
 
COUNTY Morgan County 
 
APPLICANT Mr. Pierce T. Neese PTN Consultants, Inc. Post Office Box 2147 Woodstock, GA 30188 
 
First Cherokee State Bank 
 
Cherokee County 
 
Mr. Gary Pannell Attorney at Law Miller Hamilton Snider & Odom, LLC 1175 Peachtree Street, 100 Colony Square Atlanta, GA 30361 
 
4 
 
 PROPOSED NAME Highland Commercial Bank 
 
COUNTY Cobb County 
 
APPLICANT Mr. John B. Kline Mauldin & Jenkins, LLC Post Office Box 724888 Atlanta, GA 31139 
 
FINANCIAL INSTITUTION (SURVIVOR) 
The Heritage Bank 
Hinesville 
 
FINANCIAL INSTITUTION MERGERS 
MERGED INSTITUTION Cumberland National Bank St. Marys 
 
APPROVAL EFFECTIVE 
 
DATE 
 
DATE 
 
09 -24 -2003 09 -25 -2003 
 
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 Piedmont Bancshares, Inc. Atlanta, GA 
 
Piedmont Bank of Georgia Atlanta, GA 
 
Pending 
 
Community Bank of Georgia, Inc. Baxley, GA 
Freedom Bancshares, Inc. Commerce, GA 
 
Community Bank of Georgia (IO) Baxley, GA 
Freedom Bank of Georgia (IO) Commerce, GA 
 
Pending Pending 
 
ACQUISITIONS Community Capital Bancshares, Inc. Albany, GA 
CITY Tifton Lilburn Lawrenceville Canton Marietta Lithonia Tifton Dalton Atlanta Atlanta Dalton Griffin 
 
First Bank of Dothan, Inc. Dothan, AL 
 
09-16-2003 
 
CHECK CASHER LICENSES ISSUED 
 
APPLICANT NAME Amin, Narendra J. 
 
TRADE NAME Jani's Mart 
 
Aranjo, Miguel Angel Acevedo Blue Heller Corporation Daves, Sue Anne Easy Cash Now, Inc. Hong, Sukkee Jay Swaminaryan, Inc. La Michoacana Enterprises, Inc. NRMC Financial Services, Inc. Park, Won K. Super Body, Inc. Totus Tuus, Inc. 
 
Dollar House United Check Cashing El Caporal Check Cashing Easy Cash Now TME Quick Stop Texaco La Michoacana NRMC Financial Services Park's Check Cashing La Bodeguita Griffin Farmers Market 
 
5 
 
 MONEY TRANSMITTER LICENSES ISSUED 
 
MONEY TRANSMITTER Vietnam USA Services, Inc. Chamblee, GA 
 
APPROVAL DATE 09-12-2003 
 
ZOHA, Inc. Jersey City, NJ 
 
09-22-2003 
 
New York Bay Remittance Corp. New York, NY 
 
09-22-2003 
 
Sigue Corporation San Fernando, CA 
 
09-22-2003 
 
NOTICES 
Guidelines Regarding the Avoidance of Predatory and Abusive Mortgage Lending Practices in Georgia State Chartered Banks 
On October 3, 2003, the Department issued guidelines to its examination and professional staff and Chief Executive Officers of Georgia state chartered banks regarding the avoidance of predatory and abusive mortgage lending practices. These guidelines address several issues including: (1) The status of predatory lending statutes in Georgia, (2) The definition of "predatory mortgage lending", (3) Practices which may be indicative of predatory mortgage lending, (4) The Department's response in the event that predatory mortgage lending practices are noted during the examination or visitation process, (5) Actions banks can take to minimize the possibility of predatory or abusive mortgage lending practices, (6) Practices related to mortgage loans purchased through brokers or loan participations, (7) Mortgage Lending practices of Bank Subsidiaries, and (8) Third Party Vendors and Servicers. 
The guidelines can be accessed from our website at: http://www.ganet.org/dbf/pdfdoc/GuidelinesrePredatoryLending.pdf. 
 
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