. . . .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 December 31, 2004 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 December 2004. IN THIS ISSUE: GRMA - $6.50 Fee Payment Reminder 2005 State Holiday Schedule 1 APPLICATIONS FOR NEW FINANCIAL INSTITUTION FINANCIAL INSTITUTION Hometown Community Bank 6700 Highway 53 Braselton, GA 30517 Jackson County CAPITALIZATION $ 7,500,000 BEGIN APPROVAL DATE BUSINESS DATE Pending First Madison Bank & Trust 5536 Georgia Highway 72 Colbert, GA 30628 Madison County $ 6,500,000 12-06-2004 Peach State Bank & Trust 325 Washington Street Gainesville, GA 30501 Hall County $ 12,000,000 Pending American United Bank 1800 Old Norcross Road Lawrenceville, GA 30045 Gwinnett County $ 10,120,000 07-12-2004 12-20-2004 American Southern Bank 1450 Mansell Road Roswell, GA 30076 Fulton County $ 8,000,000 Pending PREVIOUS NAME HeritageBank of the South FINANCIAL INSTITUTION CONVERSIONS CONVERTED TO HeritageBank of the South Albany Dougherty County APPROVAL DATE 12-21-2004 EFFECTIVE DATE APPLICATIONS TO ESTABLISH A BRANCH OFFICE FINANCIAL INSTITUTION Dorsey State Bank Abbeville BRANCH OFFICE McDonough Branch Office GA Highway 20 & Westridge Parkway McDonough, GA 30253 Henry County APPROVAL DATE Pending Integrity Bank Alpharetta South Forsyth Branch Office Highway 141 and Mathis Airport Road Cumming, GA 30041 Forsyth County 02-17-2004 BEGIN BUSINESS DATE Withdrawn 12-22-2004 2 FINANCIAL INSTITUTION Integrity Bank Alpharetta First American Bank and Trust Company Athens SunTrust Bank Atlanta SunTrust Bank Atlanta SunTrust Bank Atlanta SunTrust Bank Atlanta SunTrust Bank Atlanta SunTrust Bank Atlanta SunTrust Bank Atlanta BRANCH OFFICE Satellite Boulevard Branch Office Intersection of Satellite Boulevard and Old Peachtree Road Lawrenceville, GA 30024 Gwinnett County Hawthorne Avenue Branch Office 995 Hawthorne Avenue Athens, GA 30606-2175 Clarke County Bainbridge Wal-Mart Money Center Branch Office 500 East Alice Street Bainbridge, GA 39819 Decatur County Cortez Road Wal-Mart Branch Office 5315 Cortez Road West Bradenton, FL 34210 Manatee County Cocoa Wal-Mart Branch Office 2800 Clearlake Road Cocoa, FL 32922 Brevard County Ocoee Wal-Mart Branch Office 10500 West Colonial Drive Ocoee, FL 34761 Orange County Cave Spring Kroger In-Store Branch Office 3971 Brambleton Avenue South Roanoke, VA 24018 Roanoke County Carillon Branch Office 130 Fountain Parkway, North St. Petersburg, FL 33716 Pinellas County St. Petersburg Wal-Mart Branch Office 3501 34th Street St. Petersburg, FL 33716 Pinellas County APPROVAL DATE 12-13-2004 BEGIN BUSINESS DATE 12-10-2004 12-27-2004 Pending Pending Pending 12-02-2004 12-02-2004 12-02-2004 3 FINANCIAL INSTITUTION SunTrust Bank Atlanta Freedom Bank of Georgia Commerce Main Street Bank Covington Southeastern Bank Darien Decatur First Bank Decatur The Heritage Bank Hinesville Crescent Bank and Trust Company Jasper First Chatham Bank Savannah FINANCIAL INSTITUTION SunTrust Bank Atlanta 4 BRANCH OFFICE Wilmington Private Banking Branch Office 2601 Irongate Drive Wilmington, NC 28412 Brunswick County Jefferson Branch Office 1057 Winder Highway Jefferson, GA 30549 Jackson County Peachtree Street Branch Office 1355 Peachtree Street, NE, Suite 100 Atlanta, GA 30309 Fulton County Scranton Road Branch Office 755 Scranton Road Brunswick, GA 31525 Glynn County Lake Oconee Community Branch Office 1010 Park Place Boulevard Greensboro, GA 30642 Greene County Berwick Branch Office Berwick & Highway 17 Savannah, GA 31406 Chatham County North Bartow Branch Office 21 Eagle Parkway Adairsville, GA 30103 Bartow County Wilmington Island Branch Office 454 Johnny Mercer Boulevard Savannah, GA 31410 Chatham County APPLICATIONS TO CHANGE LOCATION From: To: CHANGE LOCATION OF Dolly Parton Parkway Branch Office 215 Court Avenue Sevierville TN 37862 Sevier County 601 Dolly Parton Parkway Sevierville TN 37862 Sevier County APPROVAL DATE 12-27-2004 BEGIN BUSINESS DATE 12-27-2004 02-04-2004 12-30-2004 01-08-2004 11-01-2004 09-30-2004 12-01-2004 12-15-2004 Pending 12-07-2004 APPROVAL EFFECTIVE DATE DATE 12-27-2004 FINANCIAL INSTITUTION Commercial Bank & Trust Company of Troup County LaGrange From: To: CHANGE LOCATION OF West Georgia Commons Mall Branch Office 1501 LaFayette Parkway LaGrange GA 30240 Troup County 1496 LaFayette Parkway LaGrange GA 30240 Troup County APPROVAL EFFECTIVE DATE DATE 01-02-2003 12-28-2004 PREVIOUS NAME Peoples Community Bank Colquitt WellStar Credit Union Marietta NOTICE OF CHANGE IN NAME NEW NAME PCB, The Community Bank Members First Credit Union APPROVAL EFFECTIVE DATE DATE Pending 12-08-2004 12-08-2004 PROPOSED NAME Covenant Bank & Trust APPLICATIONS FOR RESERVATION OF A NAME COUNTY Walker County APPLICANT Mr. John B. Kline, Principal Mauldin & Jenkins LLC 200 Galleria Parkway SE, Suite 1700 Atlanta, GA 30339-5946 Members First Credit Union Cobb County Mr. Don Rackley, President WellStar Credit Union 675 Campbell Hill Street Marietta, GA 30061 Signature Bank of Georgia Fulton County Mr. John B. Kline, Principal Mauldin & Jenkins LLC 200 Galleria Parkway SE, Suite 1700 Atlanta, GA 30339-5946 Southern Bank & Trust Habersham County Mr. Byron Richardson, Principal BankResources, Inc. 2451 Cumberland Parkway, Suite 3618 Atlanta, GA 30339-6157 The Buckhead Community Bank Fulton County Ms. Beth Lanier Powell Goldstein, LLP One Atlantic Center, 1201 West Peachtree Atlanta, GA 30309 5 FINANCIAL INSTITUTION (SURVIVOR) SunTrust Bank Atlanta FINANCIAL INSTITUTION MERGERS MERGED INSTITUTION National Bank of Commerce Memphis, TN APPROVAL EFFECTIVE DATE DATE Pending SunTrust Bank Atlanta SunTrust BankCard, National Association Orlando, FL Pending United Community Bank Blairsville Liberty National Bank Conyers, GA Pending Peoples Community Bank Colquitt Peoples Community Bank Columbia, AL Pending Peoples Community Bank Colquitt PCB, The Community Bank Malone, FL Pending Crescent Bank and Trust Company Jasper WellStar Credit Union Marietta Futurus Bank, N. A. Alpharetta, GA MedCom Federal Credit Union Decatur, GA Pending 11-02-2004 12-03-2004 GE Capital Consumer Card Co. Mason, OH Monogram Credit Card Bank of Georgia Alpharetta, GA 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 Heritage Financial Group Albany, GA HeritageBank of the South Albany, GA 12-21-2004 Heritage, MHC Albany, GA Heritage Financial Group Albany, GA 12-21-2004 PracticeBank Financial, Inc. Alpharetta, GA Georgia Community Bank Dalton, GA Rescinded 12-10-2004 Georgia Trust Bancshares, Inc. Buford, GA Georgia Trust Bank (IO) Buford, GA Pending FirstBank Financial Services, Inc. McDonough, GA First Bank of Henry County McDonough, GA Pending Enterprise Banking Company, Inc. Stockbridge, GA Dorsey State Bank Abbeville, GA Pending ACQUISITIONS Synovus Financial Corp. Columbus, GA Cohutta Banking Company of Tennessee (IO) Chattanooga, TN Pending 6 CITY Cartersville Covington Gainesville Doraville Marietta Rincon Warrenton Smyrna Decatur Atlanta CHECK CASHER LICENSES ISSUED APPLICANT NAME BOY-DEN CAPITAL, LLC * Deepa Enterprises, Inc. EZ Check Cashing * Gul & Sons Corp. Kabani Investment, Inc. * Pranami Food Mart II * Shriji Saheb Business, Inc. Super Mercado Jalisco #3, Inc. * Y & K Food, Inc. * Yu, Chun Sik TRADE NAME BOY-DEN CAPITAL Hester's Package Store EZ Check Cashing Amoco Food Mart Casa De Cambio Pranami Food Mart II Doug's Quik Stop Super Mercado Jalisco #3 Glenwood Grocery Bubbas Supermarket * = Registrant Exempt (O.C.G.A. 7-1-709) MONEY TRANSMITTER MoneyXpress of Georgia, Inc. Chicago, IL MONEY TRANSMITTER LICENSES ISSUED APPROVAL DATE 12-21-2004 Alamin, Semira Clarkston, GA 12-21-2004 NOTICES GEORGIA RESIDENTIAL MORTGAGE ACT - $6.50 FEE PAYMENT REMINDER The $6.50 per loan fees required by O.C.G.A. Section 7-1-1011(b)(2) and Department Rule 80-5-1-.04 are due March 1, 2005 for loans secured by residential property closed during the period July 1, 2004 through December 31, 2004. Failure to remit all fees due will result in the assessment of a $1,000 fine. Financial institutions should have received a letter regarding $6.50 fee payment and accessing the online fee payment system. Institutions that choose not to pay online may access the reporting form from the Department's public website at: http://www.ganet.org/dbf/$6_50 Fee Statement - GRMA.htm Please review your files and remit the required $6.50 per loan fees as soon as possible. 2005 STATE HOLIDAY SCHEDULE In accordance with O.C.G.A. 1-4-1, Governor Sonny Perdue proclaimed the following dates as public and legal holidays for the year 2005. 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. 7 2005 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 Memorial Day Independence Day Labor Day Columbus Day Veterans' Day Thanksgiving Day (Alternate observance of Lee's Birthday) Christmas Day (Will be observed) (Alternate observance of Washington's Birthday) Monday, January 3 Saturday, January 15 Monday, January 17 Monday, January 19 Friday, November 25 Tuesday, February 22 Tuesday, December 27 Monday, April 25 Monday, May 30 Monday, July 4 Monday, September 5 Monday, October 10 Friday, November 11 Thursday, November 24 Friday, November 25 Sunday, December 25 Monday, December 26 Tuesday, December 27 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. Back to Top 8