Financial institutions today, Jan. 2008

Inside this issue:

Carnes Selected to 2 Chair Mortgage
Fraud Committee

State of Georgia

2

Launches

1.800.georgia

2007 HMDA

2

Reporting Reminder

Action on

3

Applications for the

Month of January

DBF's Customer

8

Service Star for the

Month of January

News and topics of interest to financial institutions regulated by the Department of Banking and Finance

Monthly Bulletin #1

January 2008

Reminder Notice to All State-Chartered Credit Unions
Newly elected or re-elected Directors and Committee members and newly elected/appointed Officers must submit a completed Confidential Report For Credit Union Officials to the Department. The form is available on our website at the following URL:
http://dbf.georgia.gov/vgn/images/portal/cit_1210/48/39/67741372CU_Confidential.pdf
Within ten (10) days of the election of officials, credit unions are required to file with the Atlanta Regional Office of the National Credit Union Administration, a Report of Officials (NCUA 4501). The form is included in the call report package from NCUA and is also available at the NCUA's website: http://www.ncua.gov/GuidesManuals/roofficials/roofficials.html
The NCUA Report of Officials is not required to be filed with the Department.

The Department wishes to express our heartfelt condolences to the family, friends, and co-workers of those victims who were killed on February 1, 2008, in the plane crash near Mount Airy, NC. The banking industry lost four of its members in this tragic accident. Robert Butler--Senior Vice President of Facilities and Development for Georgian Bank, Atlanta,
Georgia Harold T. Echols--Board Member of First Choice Community Bank, Dallas, Georgia John Wesley Rakestraw--Board Member of Georgian Bank, Atlanta, Georgia Steve Simpson--Chairman of the Board for Westside Bank, Hiram, Georgia
DBF OUTREACH AND UPCOMING SPEAKING ENGAGEMENTS
Commissioner Braswell will be speaking at the CBA Regulation & Taxation Meeting on February 7, 2008 at CBA Headquarters in Marietta, GA. He will also be speaking at the
"Safeguarding Georgia's Financial Services"

Page 2
Deputy Commissioner for Non-Depository Financial Institutions Rod Carnes Selected to Chair Mortgage Fraud Committee
Deputy Commissioner for the Non-Depository Financial Institutions Division Rod Carnes has been selected to chair the Mortgage Fraud Committee of the American Association of Residential Mortgage Regulators (AARMR).
President of AARMR David Bleicken, who serves as the Director with the Bureau of Licensing, Investigation and Consumer Services of the Pennsylvania Department of Banking, welcomed Rod as Chairman of this committee, indicating that Rod's experience and skills in mortgage regulation will prove to be invaluable to this committee.
The focus of the Mortgage Fraud Committee is on enhancing regulatory detection and prevention of mortgage fraud within the industry as well as providing consumers with information to improve their knowledge for making sound decisions regarding their most important asset, their homes.
State of Georgia Launches 1.800.georgia
A new call center, 1.800.georgia, aims to connect Georgians with the government service they need-- on their first call.
1.800.georgia ( 404-656-2000 in Atlanta) does not replace other state call centers. Rather, it serves people who do not know which agency to contact. When a citizen calls, a trained agent answers and listens to the caller's need. The agent searches a state database called KnowledgeBase to promptly locate the correct service and phone number. The agent then connects the caller and, whenever possible, stays on the line until the person who can help answers. The goal is that callers don't just get a number, they get a person who can help them.
The Governor's Office of Customer Service will measure the call center's success.

2007 HMDA Reporting Reminder

"A Guide to HMDA Reporting: Getting It Right!" which provides guidance on collection and reporting of HMDA data is available at: http://www.ffiec.gov/hmda/guide.htm

Reports of calendar year 2007 HMDA data are due March 1, 2008. Any questions or requests for information should be directed to:

Assistance Line: Internet E-Mail Address:

(202) 452-2016 hmdahelp@frb.gov

Page 3
Action on Applications for the Month of January:
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 January 2008.

APPLICATIONS FOR NEW FINANCIAL INSTITUTION

FINANCIAL INSTITUTION Resurgens Bank 2300 Henderson Mill Road Atlanta, GA 30345 DeKalb County

CAPITALIZATION $ 12,250,000

APPROVAL 01-25-2008

BEGIN BUSINESS

Community Business Bank 407 East Maple Street Unit 104 East Maple Place Cumming, GA 30040 Forsyth County

$ 16,490,890

06-05-2007

01-22-2008

Metro Bank 7475 Douglas Boulevard Douglasville, GA 30135 Douglas County

$ 22,000,000

09-18-2007

01-28-2008

Chattahoochee Bank of Georgia 643 E E Butler Parkway Gainesville, GA 30501 Hall County

$ 20,000,000

Pending

LaGrange Banking Company 206 West Haralson Street LaGrange, GA 30240 Troup County

$ 13,723,650

08-06-2007

01-23-2008

Milltown Banking Company 305 East Main Street Lakeland, GA 31635 Lanier County

$ 10,000,000

Pending

Regional Bank of Middle Georgia 2815 Pio Nono Avenue Macon, GA 31206 Bibb County

$ 8,000,000

01-15-2008

FINANCIAL INSTITUTION CONVERSIONS

PREVIOUS NAME Lockheed Georgia Employees Federal Credit Union

CONVERTED TO LGE Community Credit Union Marietta Cobb County

APPROVAL 11-09-2007

EFFECTIVE 01-01-2008

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APPLICATIONS TO ESTABLISH A BRANCH OFFICE

FINANCIAL INSTITUTION HeritageBank of the South Albany

BRANCH OFFICE College Road Branch Office 4726 SW College Road Ocala, FL 34481 Marion County

APPROVAL BEGIN BUSINESS

10-26-2007

01-08-2008

SunTrust Bank Atlanta

Gulf Coast Town Center Branch Office 17100 Ben Hill Griffin Parkway Fort Myers, FL 33913 Lee County

01-07-2008

SunTrust Bank Atlanta

Southpoint Branch Office 10000 Southpoint Parkway Fredericksburg, VA 22407 Spotsylvania County

01-07-2008

SunTrust Bank Atlanta

Corsica Square Branch Office 15701 SW 152nd Street Miami, FL 33187 Miami-Dade County

01-24-2008

SunTrust Bank Atlanta

Dadeland Branch Office 7275 SW 90th Street, Building G Miami, FL 33156 Miami-Dade County

01-24-2008

SunTrust Bank Atlanta

Forest Lake Branch Office 16720 SW 88th Street Miami, FL 33196 Miami-Dade County

01-07-2008

SunTrust Bank Atlanta

North Lauderdale Wal-Mart Branch Office 7300 W McNab Road North Lauderdale, FL 33068 Broward County

01-07-2008

SunTrust Bank Atlanta

Winthrop Branch Office 11104 Bloomingdale Avenue Riverview, FL 33569 Hillsborough County

11-19-2007

01-22-2008

SunTrust Bank Atlanta

Fallschase Wal-Mart Branch Office 4021 Lagniappe Way Tallahassee, FL 32317 Leon County

01-24-2008

Community Bank & Trust Cornelia

Columbus Wal-Mart Banking Center Branch Office 6475 Gateway Road Columbus, GA 31909 Muscogee County

01-28-2008

Southeastern Bank Darien

Southport Branch Office 601 Palisades Drive Brunswick, GA 31523 Glynn County

10-02-2006

01-08-2007

FINANCIAL INSTITUTION Global Commerce Bank Doraville

BRANCH OFFICE Johns Creek Branch Office 10900 Medlock Bridge Road, Suite 102 Johns Creek, GA 30097 Fulton County

Metro City Bank Doraville

Lawrenceville-Suwanee Road Branch Office 2790 Lawrenceville-Suwanee Road, Suite 105 Suwanee, GA 30024 Gwinnett County

Metro City Bank Doraville

Old Peachtree Road Branch Office 1291 Old Peachtree Road, Suite 190 Suwanee, GA 30024 Gwinnett County

Citizens & Merchants State Bank Douglasville

Main Office 2991 Chapel Hill Road Douglasville, GA 30133 Douglas County

Hamilton State Bank Hoschton

Oakwood Branch Office 3458 Winder Highway, Suite 110 Flowery Branch, GA 30542 Hall County

Ameris Bank Moultrie

Magnolia Road Branch Office 108 Magnolia Road Charleston, SC 29407 Charleston County

Ameris Bank Moultrie

Savannah Highway Branch Office 834 Savannah Highway Charleston, SC 29407 Charleston County

Ameris Bank Moultrie

Lexington Branch Office 5175 Sunset Boulevard, Suite 3 Lexington, SC 29072 Lexington County

Northwest Georgia Bank Ringgold

Manufacturer's Road Branch Office 319 Manufacturer's Road Chattanooga, TN 37405 Hamilton County

North Georgia Bank Watkinsville

Village Park Branch Office 455 Epps Bridge Parkway, Building 100 Athens, GA 30606 Clarke County

Page 5

APPROVAL BEGIN BUSINESS

08-28-2007

12-05-2007

Pending

Pending

06-05-2006

01-07-2008

01-15-2008

01-07-2008

01-07-2008

01-07-2008

01-31-2008

01-07-2008

Page 6

APPLICATIONS TO CHANGE LOCATION

FINANCIAL INSTITUTION Gwinnett Community Bank Duluth

From: To:

CHANGE LOCATION OF Suwanee Branch Office 3463A #117 Lawrenceville-Suwanee Road Suwanee GA 30024 Gwinnett County 3893 Lawrenceville-Suwanee Road Suwanee GA 30024 Gwinnett County

APPROVAL 01-17-2008

Appalachian Community Bank Ellijay

From: To:

Chatsworth Branch Office 915 N. 3d Avenue Chatsworth GA 30705 Murray County 1006 Highway 76 Chatsworth GA 30705 Murray County

01-10-2008

Appalachian Community Bank Ellijay

From: To:

Dawsonville Branch Office 86 Highway 53 West, Suite 100 Dawsonville GA 30534 Dawson County 28 Main Street Dawsonville GA 30534 Dawson County

11-20-2007

Heritage Bank Jonesboro

From: To:

Eagles Landing Parkway Branch Office 1040 Eagles Landing Parkway Stockbridge GA 30281 Henry County 830 Eagles Landing Parkway Stockbridge GA 30281 Henry County

10-26-2007

EFFECTIVE
12-03-2007 01-22-2008

APPLICATIONS TO BECOME A BANK HOLDING COMPANY AND/OR TO ACQUIRE VOTING STOCK OF A FINANCIAL INSTITUTION

BANK HOLDING COMPANY

TO ACQUIRE

APPROVAL

FORMATIONS Perimeter First Bancshares, Inc. Alpharetta, GA

Perimeter First Bank (FSB, IO) Alpharetta, GA

01-02-2008

SEB Bancorp, Inc. Marietta, GA

Security Exchange Bank Marietta, GA

01-04-2008

Satilla Bankcorp, Inc. St. Marys, GA

Satilla Community Bank St. Marys, GA

01-31-2008

ACQUISITIONS SunTrust Banks, Inc. Atlanta, GA

GB&T Bancshares, Inc. Gainesville, GA

01-25-2008

BANK HOLDING COMPANY RBC Centura Banks, Inc. Raleigh, NC
RBC Centura Banks, Inc. Raleigh, NC

TO ACQUIRE The Peachtree Bank Duluth, GA
Georgia State Bank Mableton, GA

Page 7
APPROVAL Pending
Pending

PROPOSED NAME RBC Bank (Georgia)

APPLICATIONS FOR RESERVATION OF A NAME

COUNTY Fulton County

APPLICANT Mr. E. Bardin Simmons, Jr. Poyner & Spruill, LLP P. O. Box 10096 Raleigh, NC 27605-0096

CHECK CASHER LICENSES ISSUED

CITY Atlanta Doraville Calhoun Lyons Albany Adairsville Duluth College Park Gainesville College Park Alpharetta Lafayette Griffin Hiawassee Smyrna Ellijay Milledgeville Cartersville Thomson Gainesville Rome

APPLICANT NAME AJI Enterprises, Inc. * Air Digital Cellular, Inc. * Bishop, Barbara * Bowen, Kendra J. Cash Express of Georgia, Inc. * Davis, Raymond Louis * Dhruti, Inc. * Fitwi, Gehbreneskel GJD Check Cashing, Inc. Hong, Woon Ock Modern Agency, Inc. National Title Pawn of Lafayette, Inc. * Navison International, LLC Northland Financial Services, LLC Osaigbovo, Christopher * Rodriguez, Christina * S&R Package Store, Inc. San Jose #1, LLC * Smith, Washington T. * Super Mercado Carrillo El Guero #1 * Yomika, Inc.

TRADE NAME Discount Food Mart Air Digital Cellular Dixie Beverage Store Kendra J. Bowen Cash Express of Georgia Evergreen Pawn Gorin's Homemade Cafe Big G Grocery GJD Check Cashing Short Stop Grocery Silos Grocery National Title Pawn Lafayette Griffin Package Northland Financial Services United Consolidated Accounting & Business Services Viva Mexico S&R Package Store San Jose Tienda Mexicana McDuffie Package Store Super Mercado Carrillo El Guero Shorter BP

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

Page 8

DBF's Customer Service Star for the Month of January

It is the Department's goal to provide excellent customer service, meeting and exceeding the expectations of our customers. Along those lines, we would like to recognize the following individual for going above and beyond in serving our customers:
Susan Nelson, Applications Analyst (NDFI--Main Office) and the MSB Staff: Director for Mortgage Licensing and Money Services Businesses received a letter from a customer stating: "This letter is to commend Ms. Susan Nelson on her excellent customer service to me. She is courteous and helpful, and I wanted to make sure that her efforts were recognized by your department."

CONGRATULATIONS AND GREAT JOB TO THIS MONTH'S CUSTOMER SERVICE STAR!!

GEORGIA
DEPARTMENT OF BANKING AND FINANCE
2990 Brandywine Road Suite 200
Atlanta, Georgia 30341-5565
Phone: (770) 986-1633 Fax: (770) 986-1654 or 1655 Email: dbfpress@dbf.state.ga.us

Page 9
The Department is the state agency that regulates and examines banks, credit unions, and trust companies chartered by the State of Georgia. The Department also has regulatory and/or licensing authority over mortgage brokers, lenders, and processors, money service businesses, international banking organizations, and bank holding companies conducting business in Georgia.
Our Mission is to promote safe, sound, competitive financial services in Georgia through innovative, responsive regulation and supervision.
Our Vision is to be the best financial services industry regulator in the country Progressive. Proactive. Service-Oriented.

We're on the Web!
Visit our website at: dbf.georgia.gov

Have you updated your institution's emergency contact information lately?
The Department has a secure, online system to capture and collect emergency contact information for state-chartered financial institutions. Our emergency contact information system is part of an interagency initiative to ensure that regulatory agencies, both state and federal, have an effective system for communicating and coordinating efforts in the event of a disaster that impacts our financial institutions and their ability to provide financial services to their customers.
If your emergency contact information has recently changed, or you have not submitted it to us through the online system, go to our website and click on the Update Emergency Contact Information link in the Related Links section from the appropriate entity page (Banks & Holding Companies or Credit Unions). This link will open a secure webpage where you will enter your login information. If you have forgotten your login username or password, please contact Carol Webb @ (770) 986-1386 or via e-mail at webbc@dbf.state.ga.us.

Sign-up to Receive this Publication:
This publication is delivered to interested parties via e-mail and is also available from the Department's website at: http://dbf.georgia.gov under Publications, Financial Institutions Bulletin. If you would like to be added to our distribution list, please send an e-mail to dbfpress@dbf.state.ga.us and indicate your name and the company or institution you are with.
"Safeguarding Georgia's Financial Services"