Department of Banking and Finance bulletin, Aug. 31, 2004

. . . .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 August 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 August 2004.
In This Issue:
NOTICE OF FINAL RULEMAKING: SEPTEMBER 3, 2004

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APPLICATIONS FOR NEW FINANCIAL INSTITUTION

FINANCIAL INSTITUTION Georgia Trust Bank 2685 Mall of Georgia Boulevard Buford, GA 30519 Gwinnett County

CAPITALIZATION APPROVAL DATE

$ 10,000,000

Pending

BEGIN BUSINESS DATE

Legacy State Bank 3825 Harrison Road Loganville, GA 30052 Gwinnett County

$ 10,000,000

Pending

Highland Commercial Bank 3411 Ernest Barrett Parkway, NW Marietta, GA 30064 Cobb County

$ 12,567,710

02-02-2004

08-30-2004

State Bank and Trust Company 321 Fullington Avenue Pinehurst, GA 31070 Dooly County

$ 7,000,000

Pending

Community Bank of Rockmart 1400 Nathan Dean Parkway Rockmart, GA 30153 Polk County

$ 6,000,000

Pending

PREVIOUS NAME HeritageBank of the South

FINANCIAL INSTITUTION CONVERSIONS

CONVERTED TO HeritageBank of the South Albany Dougherty County

APPROVAL DATE Pending

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

BEGIN BUSINESS
DATE

Capitol City Bank & Trust Company Atlanta

Augusta Branch Office 1268 Broad Street Augusta, GA 30901 Richmond County

08-23-2004

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FINANCIAL INSTITUTION Flag Bank Atlanta
Reliance Trust Company Atlanta
SunTrust Bank Atlanta
SunTrust Bank Atlanta
SunTrust Bank Atlanta
SunTrust Bank Atlanta
SunTrust Bank Atlanta
SunTrust Bank Atlanta
SunTrust Bank Atlanta
SunTrust Bank Atlanta
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BRANCH OFFICE Glenda Trace Branch Office 90 Glenda Trace, Suite M Newnan, GA 30265 Coweta County
Main Office 500 Northpark Town Center, 1100 Abernathy Road, NE, Suite 400 Atlanta, GA 30328 Fulton County
Acworth Branch Office 3340 Cobb Parkway Acworth, GA 30101 Cobb County
Windward/McGinnis Branch Office Windward Parkway & McGinnis Ferry Alpharetta, GA 30041 Forsyth County
Ashburn Center Branch Office 43975 Pipeline Plaza Ashburn, VA 20147 Loudoun County
Federal Hill Branch Office 1037-1039 Light Street Baltimore, MD 21230
Waterview Town Centre Branch Office 111 Orville Road Baltimore, MD 21221 Baltimore County
Kent Square Branch Office 220 South Main Street Blacksburg, VA 24060 Montgomery County
Fayetteville Branch Office State Road & Ellis Road Fayetteville, GA 30214 Fayette County
Julington Creek Branch Office 2730 Race Track Road Jacksonville, FL 32259 Duval County

APPROVAL DATE
06-07-2004

BEGIN BUSINESS
DATE
08-02-2004

08-24-2004

06-23-2004 08-16-2004 08-20-2004 08-23-2004
Pending 07-19-2004 08-30-2004 07-06-2004 08-16-2004 08-20-2004 06-21-2004 08-23-2004

FINANCIAL INSTITUTION SunTrust Bank Atlanta
SunTrust Bank Atlanta
SunTrust Bank Atlanta
SunTrust Bank Atlanta
United Community Bank Blairsville
Georgia Trust Bank Buford
Cohutta Banking Company Chatsworth
Merchants and Farmers Bank of Comer, Georgia Comer
First Bank of Dalton Dalton
Southern Community Bank Fayetteville

BRANCH OFFICE Heathrow/46 A Branch Office 1100 Town Park Avenue Lake Mary, FL 32746 Seminole County
McDonough West Branch Office 942 Highway 81 East McDonough, GA 30253 Henry County
West College Park Branch Office 2250 North Orange Blossom Trail Orlando, FL 32804-4801 Orange County
Chinatown Branch Office 624 H Street, NW Washington, DC 20001
Savannah Branch Office 24 Drayton Street, Suite 102 Savannah, GA 31401 Chatham County
Kennesaw Branch Office 3401 George Busbee Parkway Kennesaw, GA 30144 Cobb County
Dug Gap Road Branch Office 1416 Dug Gap Road Dalton, GA 30720-5007 Whitfield County
Ila Branch Office Highway 98 & Sewell Mill Road Ila, GA 30647 Madison County
Shugart Road Branch Office 775 Shugart Road Dalton, GA 30720 Whitfield County
Locust Grove Branch Office 4970 Bill Gardner Parkway Locust Grove, GA 30248 Henry County

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APPROVAL DATE
Pending

BEGIN BUSINESS
DATE

08-20-2004

08-16-2004

08-23-2004 02-20-2004 06-28-2004

Pending

08-26-2004

08-12-2004

08-18-2004

10-09-2003 08-04-2004

FINANCIAL INSTITUTION Southern Community Bank Fayetteville

BRANCH OFFICE Sullivan Road Branch Office Sullivan Road & State Highway 34 Newnan, GA 30265 Coweta County

APPROVAL DATE
08-30-2004

BEGIN BUSINESS
DATE

Gainesville Bank & Trust Gainesville

Athens Branch Office 110 Trinity Place Athens, GA 30607 Clarke County

08-16-2004

Crescent Bank and Trust Company Jasper

Westside Cartersville Branch Office 420 Old Mill Road Cartersville, GA 30120 Bartow County

12-05-2003 08-26-2004

Security Bank of Bibb County Macon

St. Simons Island Branch Office 200 Retreat Village Shopping Center Suite 26 St. Simons Island, GA 31522 Glynn County

08-24-2004

State Bank and Trust Company Pinehurst

Unadilla Branch Office 2206 Pine Street Unadilla, GA 31091 Dooly County

Pending

Sea Island Bank Statesboro

Savannah Branch Office 7402 Hodgson Memorial Drive Savannah, GA 31406 Chatham County

03-01-2004 08-16-2004

Colony Bank Worth Sylvester

Colony Bank Village Center Branch Office 1909 Highway 82 West Tifton, GA 31794 Tift County

05-17-2004 08-11-2004

APPLICATIONS TO CHANGE LOCATION

FINANCIAL INSTITUTION

CHANGE LOCATION OF

SunTrust Bank

Amelia Island Harris-Teeter In-Store Branch Office

Atlanta

From: 4800 First Coast Highway

Fernandina Beach FL 32034

Nassau County

To: 5211 South Fletcher Avenue

Amelia Island FL 32034

Nassau County

APPROVAL DATE EFFECTIVE DATE 08-13-2004

SunTrust Bank Atlanta
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Chapman Highway Branch Office From: 7325 Chapman Highway
Knoxville TN 37920 Knox County

Pending

FINANCIAL INSTITUTION To:

CHANGE LOCATION OF 7426 Chapman Highway Knoxville TN 37920 Knox County

Main Street Bank Covington

Barrow County Branch Office From: 45 East Athens Street
Winder GA 30680 Barrow County To: 43 South Broad Street Winder GA 30680 Barrow County

APPROVAL DATE EFFECTIVE DATE

08-01-2003

08-16-2004

PREVIOUS NAME Peoples Community Bank Colquitt

NOTICE OF CHANGE IN NAME
NEW NAME PCB, The Community Bank

APPROVAL EFFECTIVE

DATE

DATE

Pending

PROPOSED NAME Northside Bank

APPLICATIONS FOR RESERVATION OF A NAME

COUNTY Bartow County

APPLICANT Mr. Brent H. Baker, President Brent Baker, Inc. 6020 Rose Hill Court Cumming, GA 30041

Sentry State Bank

Fulton County

Ms. Susan Berra, Director of Banking CompuCredit Corporation 245 Perimeter Center Parkway, Suite 600 Atlanta, GA 30346

FINANCIAL INSTITUTION (SURVIVOR) Atlanta Postal Credit Union
Atlanta

FINANCIAL INSTITUTION MERGERS
MERGED INSTITUTION #1 Federal Credit Union Jonesboro

APPROVAL EFFECTIVE

DATE

DATE

Pending

Georgia Federal Credit Union Atlanta

Educator's Credit Union Athens

06-09-2004 08-31-2004

United Community Bank Blairsville

Eagle National Bank Stockbridge

Pending

Peoples Community Bank Colquitt

Peoples Community Bank Columbia, AL

Pending

Peoples Community Bank Colquitt

PCB, The Community Bank Malone, FL

Pending

Gainesville Bank & Trust Gainesville

Lumpkin County Bank Dahlonega

08-19-2004 08-19-2004

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FINANCIAL INSTITUTION (SURVIVOR) Gainesville Bank & Trust
Gainesville

MERGED INSTITUTION Southern Heritage Bank Oakwood

APPROVAL EFFECTIVE

DATE

DATE

08-02-2004 08-02-2004

Georgia Guard Credit Union Macon

Engelhard Employees' Credit Union McIntyre

08-16-2004

Capital City Bank Tallahassee, FL

Farmers and Merchants Bank Dublin

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 PracticeBank Financial, Inc. Alpharetta, GA

Georgia Community Bank Dalton, GA

Pending

PCNB Bancshares, Inc. Bremen, GA

Peoples Community National Bank (IO) Bremen, GA

08-20-2004

ACQUISITIONS SunTrust Banks, Inc. Atlanta, GA

National Commerce Financial Corporation Memphis, TN

08-20-2004

Capital City Bank Group, Inc. Tallahassee, FL

Farmers and Merchants Bank Dublin, GA

08-19-2004

CHECK SELLER
Paychex, Inc. Rochester, NY

APPLICATIONS FOR NEW SALE OF CHECK
APPROVAL DATE 08-31-2004

CITY Smyrna Norcross Lithonia College Park Lithia Springs Norcross Norcross Dalton Roswell LaGrange Atlanta

CHECK CASHER LICENSES ISSUED

APPLICANT NAME * Aponte, Gladys R.
Bang, Joon S. DH Trading, Inc. Hayu & Moe, Inc. InProces Mobile, LLC * JTN Group, Inc. Kim, Jong H. * Serrata, Ruben Sorto, Martha Dinora * Southern Heritage Holdings, Inc. Strong Enterprises, Inc.

TRADE NAME Dr. Gladys R. Aponte Moneymax Check Cashing Ja Way Market Hayu & Moe InProces Mobile JTN Group JK Checks Cashed Deportes Mexico Tienda La Placita LaGrange Food Mart Strong Enterprises

* =Registrant (O.C.G.A. 7-1-709)

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MONEY TRANSMITTER
Global World Finance, Inc. Atlanta, GA
Sonko, Maju Atlanta, GA
Intertransfers , Inc. Miami, FL

MONEY TRANSMITTER LICENSES ISSUED
APPROVAL DATE 08-17-2004
08-19-2004
08-31-2004

NOTICES
NOTICE OF FINAL RULEMAKING: SEPTEMBER 3, 2004
On September 3, 2004, the Department of Banking and Finance published a notice of final rulemaking regarding the adoption of new and amended rules. The rules were adopted on Monday, August 30, 2004, and were filed with the Secretary of State on September 1, 2004, and are therefore effective 20 days following or Tuesday, September 21, 2004. You may view or download a copy of the final rules from our website at: http://www.gadbf.org/docs/FinalRegsAll932004.doc.
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