Forty-sixth annual report [1965]

Forty-Sixth Annual Report
SUPERINTENDENT of BANKS
of GEORGIA

1965

W. M. JACKSON Superintendent of Banks

Forty-Sixth Annual Report
SUPERINTENDENT of BANKS
of GEORGIA

1965

W. M. JACKSON Superintendent of Banks

STATE OF GEORGIA
Department of Banking
Created by Act Approved August 16, 1919
*
Forty-sixth Annual Report
YEAR ENDING DECEMBER 31, 1965
*
DEPARTMENT ESTABLISHED An Act to create the Department of Banking of the State of Georgia, to provide for the incorporation and regulation of banks and penalties for violations of the Law, defining duties of the Superintendent of Banks, and for other purposes, was enacted by the Legislature in 1919, approved by the Governor August 16, 1919, and effective January 1, 1920. This Act has been amended from time to time, through the sessions of the General Assembly, all of which amendments are contained in the Banking Act published by the Department of Banking.
*
W. M. JACKSON, Superintendent of Banks

DEPARTMENT OF BANKING State of Georgia A;lanta

The Honorable Carl E. Sanders, Governor of Georgia, State Capitol, Atlanta, Georgia 30334

December 31, 1965

Dear Governor Sanders:
I have the honor to submit the Forty-sixth Annual Report of the Superintendent of Banks showing condition of state banks for the year ending December 31, 1965, pursuant to the provisions of Article II, Sections 15 and 16 of the State Banking Law.
The data contained herein was taken from the annual reports of condition of state banks and other statistical information made available through examinations and investigation reports.
The report discloses a total of 330 state chartered banks with 68 branch offices at the year-end. Applications for seven state bank charters and sixteen additional bank offices or facilities were approved during the year. The report reveals various other changes requiring charter amendments in connection with capital stock increases, renewal of charters and conversions.
The consolidated year-end report reflects an all-time high deposit total of $2,067,793,119, representing an increase of 9.64% despite the loss of three state banks by conversion to national charters. Total assets of the 330 state banks amounting to $2,361,591,534, reflect a 11.66% increase as compared to the 11.26% increase at the previous year-end. Loans and discounts, after valuation reserves, amounted to $1,157,814,400, representing 49.0% of total assets. Total capital funds of $209,828,472 represent 8.9% of total assets.
The capital to asset ratio and the ratio of capital funds to risk assets rank favorably among the top states in the nation. Likewise, our State Banking Code is currently up-dated and our banks are adequately capitalized to meet the development and economic progress of our state. Eleven amendments to our Banking Code were enacted at the 1965 session of the General Assembly, as well as the passage of the Sale of Checks Act.
We shall continue our study and reappraisal of our Banking Code and the needs of the Department of Banking with a view to determining if and when new amendments to our law are necessary to meet the changing conditions in the banking industry and to maintain the high standards of our examining staff to meet our supervisory responsibility.
Respectfully,

W. M. Jackson Superintendent of Banks

IV

DEPARTMENT OF BANKING

Exhibit "A"
OFFICIAL ROSTER

DECEMBER 31, 1965

Annual Salary W. M. Jackson, Superintendent of Banks ...................... $18,636.00 H. W. Goodloe, Jr., Assistant Superintendent of Banks ......... 12,012.00
SENIOR BANK EXAMINERS
Aycock, M. T., Decatur, Ga................................... $10,380.00 Brooks, B. T., Stone Mountain, Ga........................... 10,380.00 Callier, Robert H., Jr., Dublin, Ga........................... 10,380.00 Jones, Frank J., Chula, Ga. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9,420.00 Martin, E. G., Decatur, Ga. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8,976.00 Mimbs, Norman E., Albany, Ga. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7,752.00 Morris, Reece V., Doraville, Ga. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7,380.00 Paxton, Walter A., Albany, Ga............................... 10,380.00 Sams, M. 0., Atlanta, Ga. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8,976.00 Shannon, Wm. E., Jr., Vidalia, Ga. . . . . . . . . . . . . . . . . . . . . . . . . . . 7,752.00
ASSISTANT BANK EXAMINERS
Bentley, Wm. A., Atlanta, Ga................................ $ 6,696.00 Butler, Joe W., Camilla, Ga................................ . 5,508.00 Fisher, D. W., Dublin, Ga................................... . 6,696.00 Griswold, James H., Albany, Ga............................ . 6,372.00 Little, Roy H., Jr., Decatur, Ga............................. . 5,508.00 Mathis, Larry G., Atlanta, Ga. . ............................ . 6,072.00 McNeill, John T., Atlanta, Ga.............................. . 5,508.00 Miller, Hubert C., Vidalia, Ga. . ............................ . 6,372.00 Moler, Robert M., Decatur, Ga.............................. . 6,372.00 Smith, Edgar B., III, Atlanta, Ga. . ........................ . 6,372.00
OFFICE ASSISTANTS
Binkney, Mary S., Senior Clerk .............................. $ 3,720.00 Cunningham, Lucy T., Senior Clerk ......................... . 4,992.00 Ethridge, LaVerne Jean, Senior Clerk ...................... . 5,244.00 Jones, Evelyn W., Accountant ............................. . 7,032.00 Lee, Dorothy L., Principal Clerk ............................ . 4,752.00 Mayfield, Sandra B., Principal Stenographer ................ . 4,524.00 Weber, Betty Jo, Senior Clerk ............................. . 3,912.00 Wyrick, Annette S., Confidential Secretary ................. . 7,032.00
CREDIT UNIONS
Arnold, Thomas G., Credit Union Supervisor .................. $ 8,976.00 Abel, Nick R., Jr., Credit Union Examiner ................... . 6,372.00 Grovensteen, George W., Credit Union Examiner ............. . 8,136.00 Gunn, Robert H., Credit Union Examiner ................... . 8,136.00
Rogers, Thomas D., Porter ................................. . 3,060.00

FORTY-SIXTH ANNUAL REPORT

v
Exhibit "B"

DEPARTMENT OF BANKING, STATE OF GEORGIA
RECEIPTS AND DISBURSEMENTS 1965
RECEIPTS Balance January 1, 1965 ................... $ 25.22 Received from Appropriation . . . . . . . . . . . . . . 364,324.55 Miscellaneous Income ..................... . 342.60
$364,692.37

DISBURSEMENTS Superintendent's Salary .................... $ 17,772.00 Assistant Superintendent's Salary . . . . . . . . . . 11,580.00 Examiners' Salaries ....................... . 174,179.72 Office Assistants' Salaries ................ . 43,626.57 Per Diem and Fees ....................... . 3,951.84 Travel Expenses ......................... . 57,909.73 Supplies and Material .................... . 3,053.90 Communication ........................... . 6,103.03 Printing and Publicity .................... . 3,873.97 Repairs and Alterations .................. . 1,176.38 Rent (Equipment) ....................... . 2,108.45 Insurance and Bonding .................... . 1,224.00 Pensions ................................. . 27,588.58 Equipment ............................... . 1,439.06 Miscellaneous ............................. . 394.25
$355,981.48
Balance December 31, 1965 ........................ $ 8,710.89

VI

DEPARTMENT OF BANKING

CHARTERS APPROVED

Exhibit "C"

NAME OF BANK

LOCATION

APPROVED

Citizens Bank of Washington County .... Sandersville .................. . 1- 6-65 Bank of Grady County .................. Whigham ..................... . 5-28-65 Brice Banking Company, Inc. . ........... Vidalia ....................... . 9- 7-65 Peoples Bank of LaGrange .............. LaGrange .................... . 9-20-65
The Columbia-Belvedere State Bank ...... Belvedere Area, DeKalb County . 10-11-65
Bank of Hampton ...................... Hampton ..................... . 12-14-65
Jordan Banking Company ............... Leary ........................ . 12-22-65

CHARTERS DISAPPROVED

Exhibit "D"

NAME OF BANK

LOCATION

DISAPPROVED

The First Bank of Powder Springs ...... Powder Springs ............... . 7- 9-65 The Button Gwinnett Bank ............ Norcross ..................... . 8 - 9-65 The State Exchange Bank .............. Douglas ...................... . 9- 3-65 Citizens & Merchants Bank ............. Bremen ...................... . 11- 5-65

RENEWAL OF CHARTERS APPROVED

Exhibit "E"

NAME OF BANK

LOCATION

APPROVED

The Peoples Bank of Lyons .............. Lyons ........................ . 1-29-65 Exchange Bank of Unadilla ............ Unadilla ...................... . 2- 2-65 The Bank o Zebulon .................... Zebulon ...................... . 2-12-65 The Peoples Bank ...................... Atlanta ...................... . 2-15-65 The Glennville Bank .................... Glennville .................... . 2-24-65
Bank of Alapaha ....................... Alapaha ...................... . 2-24-65 Bank of Taylorsville .................... Taylorsville ................... . 3- 1-65 The Brand Banking Company ........... Lawrenceville ................. . 3-25-65 The Citizens Bank of Ashburn ........... Ashburn ...................... . 3-30-65 Durden Banking Company, Incorporated .. Twin City .................... . 4-27-65 Bostwick Banking Company ............. Arlington ..................... . 5- 7-65 Bank of Gibson ......................... Gibson ....................... . 5-14-65 The Bank of Heard County ............. Franklin ..................... . 5-27-65 Luthersville Banking Company .......... Luthersville .................. . 8-17-65 Merchants and Farmers Bank of Comer .. Comer ....................... . 8-23-65 The Farmers Bank ..................... Monroe ....................... . 8-25-65 Bank of Dudley ........................ Dudley ...................... . 10- 1-65

PERMITS TO BEGIN BUSINESS

Exhibit "F"

NAME OF BANK

LOCATION

BEGAN BUSINESS

Spivey State Bank ..................... Swainsboro ................... . 3 - 1-65 Trust Company of Georgia
Bank of DeKalb ................... Atlanta (Brookhaven) ......... . 4-15-65 Citizens Bank of Washington County .... Sandersville .................. . 5- 3-65 Bank of Grady County ................. Whigham ..................... . 7- 1-65 Brice Banking Company, Inc............. Vidalia ....................... . 10-14-65

FORTY-SIXTH ANNUAL REPORT

VII

-~~-------~-------~------------------

Exhibit "G"

APPLICATIONS TO INCREASE CAPITAL STOCK APPROVED

NAME OF BANK

LOCATION

APPROVED

The Peoples Bank .............. Lithonia . . . . . 1-15-65

Ashburn Bank .................. Ashburn . . . . 1-21-65

The Bank of Tifton ............ Tifton . . . . . . . 1-21-65

The Claxton Bank . . . . . . . . . . . . . Claxton . . . . . 1-25-65

Farmer State Bank ............ Lumpkin _. . . . 1-25-65

First State Bank & Trust Co..... Albany . . . . . . 1-27-65

The Four County Bank ......... Allentown . . . 1-27-65

Cornelia Bank .................. Cornelia . . . . . 1-27-65

Mt. Vernon Bank ............... Mt. Vernon . . 1-27-65

Granite City Bank .............. Elberton . . . . 1-29-65

The Peoples Bank of Lyons ...... Lyons . . . . . . . 1-29-65

Bank of Tucker ................ Tucker . . . . . . 2- 4-65

The Peoples Bank .............. Atlanta ....... 2-15-65

Bank of Smyrna ................ Smyrna . . . . . 2-16-65

The Citizens Bank .............. Toccoa . . . . . . 2-15-65

Georgia Railroad Bank

& Trust Company .......... Augusta .... . 2-16-65

The Citizens Bank of Ashburn ... Ashburn .... . 2-18-65

Farmers and Merchants Bank .... Fayetteville 2-18-65

Peachtree Bank and Trust Co..... Chamblee ... . 2-19-65

Bank of Barrow ................ Winder .... . 2-19-65

Bank of Fort Valley ............ Fort Valley .. 3- 1-65

Bank of Fulton County .......... East Point .. 3-12-65

The Bank of Ocilla ............. Ocilla ...... . 3-15-65

Farmers & Merchants Bank ..... Leslie ...... . 3-17-65

Farmers and Merchants Bank ... Washington 4- 5-65

The Citizens Bank of Tifton .... Tifton ..... . 4-13-65

Bank of Sardis ................. Sardis ..... . 4-16-65

Bank of Screven County ........ Sylvania ... . 5-14-65

Citizens Trust Company ......... Atlanta .... . 5-19-65

Habersham Bank ............... Clarkesville .. 5-19-65

The Bank of Norcross ........... Norcross ... . 5-25-65

The Gordon Bank ............... Gordon ..... . 5-31-65

The Fayette State Bank ........ Peachtree City 6- 7-65

Farmers and Merchants Bank ... Adel ....... . 6- 8-65

Realty Savings Bank ............ Augusta

6-13-65

Citizens State Bank ............ Warner

Robins ... . 6-17-65

Granite City Bank ............. Elberton ... . 6-24-65

South Side Atlanta Bank ........ Atlanta .... . 7-16-65

The Merchants and Farmers

Bank of Milledgeville ....... Milledgeville 7-23-65

Pelham Banking Company ...... Pelham . . . . . 8-17-65

Trust Company of Georgia

Bank of DeKalb ............ Atlanta . . . . . 9-20-65

Bank of Eastman .............. Eastman . . . . 9-27-65

Farmers State Bank ............ Lincolnton . . . 9-27-56

The Farmers Bank ............. Palmetto . . . . 9-27-65

Buford Commercial Bank ........ Buford ...... 10- 4-65

Trust Company of Georgia ...... Atlanta ..... 10- 8-65

The Citizens and Southern

Avondale

DeKalb Bank . . . . . . . . . . . . . . Estates ... 10-27-65

The Farmers Bank .............. Douglas ..... 11- 2-65

The Citizens and Southern

Bank of East Poir.t ........ East Point ... 11- 8-65

Wayne State Bank .............. Jesup ....... 11-22-65

Richmond County Bank ......... Augusta ..... 12- 2-65

Citizens Clearing Bank .......... Eastman .... 12-22-65

AMOUNT OF INCREASE

$ 100,000 to$
100,000 to 300,000 to
100,000 to 50,000 to
800,000 to 50,000 to
100,000 to 75,000 to
150,000 to 100,000 to
100,000 to 200,000 to
275,000 to 125,000 to

130,000 150,000 400,000 200,000 100,000 825,000 100,000 200,000 100,000 200,000 200,000 275,000 400,000 385,000 150,000

3,000,000 to 100,000 to 75,000 to
125,000 to 125,000 to 200,000 to 420,000 to
75,000 to 25,000 to 100,000 to 100,000 to 25,000 to 100,000 to 375,000 to 100,000 to 60,000 to 35,000 to 50,000 to 50,000 to 200,000 to

3,750,000 150,000 100,000 175,000 250,000 300,000 500,000
100,000 50,000
125,000 225,000
30,000 200,000 575,000 125,000
80,000 70,000 100,000 100,000 500,000

200,000 to 200,000 to 300,000 to

300,000 240,000 350,000

150,000 to 100,000 to

200,000 150,000

112,500 to 120,000 to
50,000 to 25,000 to 100,000 to 10,000,000 to

225,000 200,000 100,000
50,000 200,000 10,800,000

200,000 to 250,000 to

300,000 275,000

300,000 to 200,000 to 180,000 to
100,000 to

450,000 400,000 200,000 150,000

VIII

DEPARTMENT OF BANKING

Exhibit "H"

APPLICATIONS TO REDUCE PAR VALUE OF CAPITAL STOCK APPROVED

NAME OF BANK

LocATION

PAR VALUE REDUCED

OF STOCK

TO

APPROVED

The Claxton Bank .............. Claxton ......... $100.00

$10

1-25-65

Granite City Bank .............. Elberton ........ 100.00

10

1-29-65

Bank of Tucker ................ Tucker .......... 100.00

10

2- 4-65

Empire Banking Company ...... Homerville ...... 100.00

10

2- 9-65

Bank of Clayton ................ Clayton ......... 100.00

10

4-13-65

Bank of Fort Valley ............ Fort Valley . . . . . 20.00

3

5- 3-65

Citizens Trust Company ......... Atlanta ......... 100.00

10

5-19-65

Citizens State Bank ............. Warner Robins .. 100.00

10

6-17-65

Realty Savings Bank ............ Augusta ........ 100.00

5

7-13-65

South Side Atlanta Bank ........ Atlanta ......... 100.00

10

7-16-65

The Patterson Bank ............. Patterson ....... 100.00

10

8-17-65

Trust Company of Georgia

Bank of DeKalb .............. Atlanta (Br'haven) 20.00

10

9-20-65

The Farmers Bank .............. Palmetto ........ 100.00

25

9-27-65

Buford Commerical Bank ........ Buford ......... 100.00

10

10- 4-65

Georgia Banking Company ...... Marshallville .... 100.00

10

11- 2-65

The State Bank ................ Griffin . . . . .. . . . . 20.00

10

12-17-65

Exhibit "[" MISCELLANEOUS APPLICATIONS TO AMEND CHARTERS APPROVED

NAME OF BANK

LOCATION

NATURE OF AMENDMENT APPROVED

The Fayette State Bank ......... Tyrone ...... To change location to

Peachtree City

1-18-65

The Peoples Bank of Lyons ...... Lyons ....... To acquire trust powers 1-29-65

The Peoples Bank ............... Atlanta ..... To acquire trust powers 2-15-65

The Citizens Bank of Toccoa ..... Toccoa ...... To change name to

The Citizens Bank

2-15-65

Farmers and Merchants Bank .... Fayetteville .. To acquire trust powers 2-18-65

Roswell Bank ................... Roswell ..... To acquire trust powers 5- 3-65

Realty Savings Bank ............ Augusta ..... To acquire trust powers 7-13-65

Realty Savings Bank ............ Augusta ..... To change name to The

Commerical and Savings

Bank of Augusta

7-13-65

Bank of Tucker ................ Tucker ...... To change name to The

Citizens and Southern

Bank of Tucker

7-13-65

Georgia Banking Company ...... Marshallville . To change name to

First State Bank

11- 2-65

Citizens Clearing Bank .......... Eastman .... To acquire trust powers 12-22-65

Citizens Clearing Bank .......... Eastman .... To change name to Citizens

Bank & Trust Company 12-22-65

Exhibit "J" CONVERSION OF STATE BANK INTO A NATIONAL BANK

NAME OF BANK

LOCATION

DATE

The Bank of Georgia .................... Atlanta Vidalia Banking Company .............. Vidalia

9- 1-65 9-15-65

Exhibit "K" CONVERSION OF NATIONAL BANK INTO A STATE BANK

NAME OF BANK

LOCATION

To OPERATE As APPROVED

Trust Company

DeKalb National Bank of Brookhaven, DeKalb

of Georgia

Brookhaven . . . . . . . . . . . . . County (Atlanta) ....... Bank of DeKalb .. 4-13-65

FORTY-SIXTH ANNUAL REPORT BRANCH BANKS AS OF DECEMBER 31, 1965

IX Exhibit "L"

NAME OF BRANCH

NAME OF PARENT

LOCATlON

The Citizens Trust Company,

965 Hunter St., N.W....... The Citizens Trust Company ... Atlanta

Trust Company of Georgia,

Lenox Square Office ....... Trust Company of Georgia .... Atlanta

Trust Company of Georgia,

Stewart Avenue and Glenn

Street Branch ............. Trust Company of Georgia ..... Atbnt:a

Trust Company of Georgia,

Buckhead Office ........... Trust Company of Georgi:1 ..... Atlanta

Trust Company of Georgia,

West Peachtree & Third St.. TrU3t Company pf Georgia ..... Atlanta

Trust Company of Georgia,

514 Flat Shoals Avenue .... Trust Cxnpany of Georgia ..... Atlanta

Georgia Railroad Bank &

Trust Company,

Georgia Railroad Bank &

Walton Way Branch....... Trust Company .............. Augusta

Georgia Railroad Bank &

Trust Company,

Georgia Railroad Bank &

1111 Broad Street......... Trust Company .............. Augusta

Georgia Railroad Bank &

Trust Company,

Gwinnett Street Branch, Georgia Railroad Bank &

Gwinnett & Eleventh St.. . . Trust Company.............. Augusta

Georgia Railroad Bank &

Trust Company,

Georgia Railroad Bank &

Daniel Village Branch. . . . . Trust Company.............. Augusta

Columbus Bank & Trust Co.,

South Columbus Branch .... Columbus Bank & Trust Co..... Columbus

Columbus Bank & Trust Co.,

North Highlands .......... Columbus Bank & Trust Co..... Columbus

Columbus Bank & Trust Co.,

lOth Street ............... Columbus nank & Trust Co..... Columbus

Columbus Bank & Trust Co.,

Wynnton Branch

13th Avenue & Warren

Williams Road ........... Columbus Bank & Trust Co..... Columbus

Cornelia Bank,

Demorest, Ga.............. Cornelia Bank ................ Cornelia

Citizens Bank,

Nahunta, Ga.............. Citizens Bank .................. Folkston

Savannah Bank & Trust Co.,

Waters Avenue Branch,

Medical Arts Shopping

Center . . . . . . . . . . . . . . . . . . Savannah Br.nk & Trust Co..... Savannah

Savannah Bank & Trust Co.,

Midtown Branch,

1120 Bull St............... Savannah Bank & Trust Co..... Savannah

Savannah Bank & Trust Co.,

West Broad Street Branch,

320 West Broad Street ..... Savannah Bank & Trust Co..... Savannah

Savannah Bank & Trust Co.,

Skidway Road and

Victor Drive .............. Savannah Bank & Trust Co..... Savannah

Savannah Bank & Trust Co.,

Traffic Circle Branch,

U.S. Highway 17 between

Bay and Houlihan Sts...... Savannah Bank & Trust Co..... Savannah

BEGAN BUSINESS
8- 1-55 7-15-59 6-20-58 10-24-58 10-11-49 5- 1-56 4-16-58 1- 2-25
12-15-53 2- 1-56 7- 5-27 1-18-24 1-18-24
6-16-53 10-24-14
1- 2-25
8-24-59 3-21-49 7-15-50 11- 9-53
2-17-60

X

DEPARTMENT OF BANKING

Exhibit "L"-Cont'd

BANK OFFICES AS OF DECEMBER 31, 1965

NAME OF OFFICE

NAME OF PARENT

LOCATION

BEGAN BUSINESS

The Citizens & Southern Bank

of Albany,

The Citizens & Southern Bank

Slappey Drive Office. . . . . . . of Albany ................... Albany

First State Bank & Trust Co.,

218 Broad Street Office .... First State Bank & Trust Co.... Albany

First State Bank & Trust Co.,

Slappey Drive Office ....... First State Bank & Trust Co.... Albany

The Peoples Bank,

Buckhead Office,

2970 Peachtree Rd., N.W... The Peoples Bank .............. Atlanta

South Side Atlanta Bank,

Ben Hill Office,

Campbellton Road, S.W..... South Side Atlanta Bank ....... Atlanta

Trust Company of Georgia,

Hartford Building Office,

100 Edgewood Ave., N.E... Trust Company of Georgia ...... Atlanta

Trust Company of Georgia,

Northeast Freeway Office,

2160 Monroe Drive, N.E.... Trust Company of Georgia ...... Atlanta

Trust Company of Georgia,

Chattahoochee Office,

1221 Chattahoochee

Avenue, N.W........... Trust Company of Georgia ...... Atlanta

Richmond County Bank,

Cherokee Office,

2625 Deans Bridge Road ... Richmond County Bank ......... Augusta

Austell Bank,

Bankhead Office,

1935 Bankhead Hwy., S.W.. Austell Bank .................. Austell

The Peoples Bank,

South and Maple

Street Office ............. The Peoples Bank .............. Carrollton

Peachtree Bank and Trust

Company,

Chamblee-Dunwoody

Peachtree Bank and

Office . . . . . . . . . . . . . . . . . . . Trust Company.............. Chamblee

Columbus Bank and Trust

Company,

Buena Vista Road Office,

Buena Vista Road and

Columbus Bank and

Tennessee Drive. . . . . . . . . . . Trust Company .............. Columbus

Columbus Bank and Trust

Company,

Macon Road Office,

Columbus Bank and

Midtown Shopping Center. . Trust Company.............. Columbus

Cornelia Bank,

North Main Drive-in Office,

402 N. Main Street ........ Cornelia Bank ................. Cornelia

The Citizens and Southern

Emory Bank,

Toco Hills Office,

LaVista and North Druirl The Citizens and Southern

Hills Roads . . . . . . . . . . . . . . Emory Bank ................. Decatur

Farmers and Merchants Bank,

Bellevue Office,

606 Bellevue Avenue ...... Farmers and Merchants Bank .. Dublin

7-11-60 4- 1-61 5-22-61 9-10-65 6-10-63 1-20-65 2-26-62
6-10-64 12- 2-63
1- 2-64 5-10-65
2-11-63
10-29-65
3-22-65 1-18-65
12-14-64 7- 9-64

FORTY-SIXTH ANNUAL REPORT

XI Exhibit "L"-Cont'd

BANK OFFICES AS OF DECEMBER 31, 1965 (Cont'd)

NAME OF OFFICE

NAME OF PARENT

LOCATION

BEGAN BUSINESS

Bank of Forest Park,

Morrow Road Office,

Ash St. & Morrow Rd. . ... Bank of Forest Park .......... Forest Park 9- 8-65

The Citizens Bank,

The Citizens Bank on

the Square Office ......... The Citizens Bank ............. Gainesville 2-18-63

Citizens Bank of Hapeville,

International Park

Airport Office ............ Citizens Bank of Hapeville ..... Hapeville 7-24-63

LaGrange Banking Company,

South Greenwood St. Office

500 South Greenwood St. LaGrange Banking Company ... LaGrange 12-15-65

The Brand Banking Company,

Brand Bank Drive-in,

492 E. Crogan Street ...... The Brand Banking Company ... Lawrenceville 8-22-64

Marietta Commercial Bank,

Downtown Office ......... Marietta Commercial Bank ..... Marietta 10- 2-61

Exchange Bank,

Milledge-

Southside Office ......... Exchange Bank . . . . . . . . . . . . . . . ville

9-20-63

Roswell Bank,

North Roswell Office,

Alpharetta Street ......... Rowell Bank .................. Roswell

6- 1-65

Savannah Bank & Trust Co.,

Stephenson Avenue Office,

Stephenson Avenue &

Savannah

Abercorn St. . . . . . . . . . . . . . Bank & Trust Company ...... Savannah 11-15-65

Bank of Smyrna,

South Cobb Office,

685 S. Cobb Drive ........ Bank of Smyrna .............. Smyrna

11-14-63

Sea Island Bank,

South Side Office,

510 S. Main Street ........ Sea Island Bank .............. Statesboro 7-16-62

Commercial Bank,

Drive-in Office ........... Commercial Bank .............. Thomasville 3-21-61

Bank of Thomas County,

North Broad Office ....... Bank of Thomas County ....... Thomasville 1-20-61

The Bank of Toccoa,

Big A Office,

Big A Road .............. The Bank of Toccoa ........... Toccoa

5-27-65

The Citizens & Southern Bank

of Tucker,

LaVista Road Office,

The Citizens and Southern

4148 LaVista Road . . . . . . . . Bank of Tucker ............. Tucker

10-21-65

The Bank of Warner Robins,

Warner

Plaza Office .............. The Bank of Warner Robins . . . . Robins

6-16-62

Citizens State Bank,

Warner

Briarcliff Office .......... Citizens State Bank . . . . . . . . . . . Robins

5- 9-63

Washington Loan & Banking

Co., Liberty St. Office

Washington Loan and

113 Liberty Street . . . . . . . . Banking Company ........... Washington 1-11-65

Commercial Bank,

Northside Office,

500 Albany Avenue ....... Commercial Bank .............. Waycross 9-24-65

XII

DEPARTMENT OF BANKING

Exhibit "L"-Cont'd

FACILITIES AS OF DECEMBER 31, 1965

NAME OF FACIIJITY

NAME OF PARENT

BEGAN LOCATION BUSINESS

The Citizens & Southern

Bank of Albany,

U.S. Marine Corps Supply

The Citizens & Southern

Center Facility . . . . . . . . . . . . . . . Bank of Albany .......... Albany

First State Bank & Trust Co.,

Turner Air Force

Base Facility ................. First State Bank & Trust Co.. Albany

Georgia Railroad Bank &

Trust Company,

Georgia Railroad Bank &

Ft. Gordon Facility . . . . . . . . . . . Trust Company ........... Augusta

Columbus Bank & Trust Co.,

Columbus Bank &

Ft. Benning Facility . . . . . . . . . . Trust Company ........... Columbus

Commercial State Bank

Drive-in,

Donalson~

310 S. Wiley Avenue .......... Commercial State Bank . . . . . ville

Merchants and Farmers Bank,

Donalson-

Drive-in Facility .............. Merchants and Farmers Bank. ville

The Citizens & Southern Bank

of LaGrange Drive-in Facility, The Citizens & Southern

Main, Broome and Bull Sts. . . . Bank of LaGrange ....... LaGrange

Moultrie Banking Company,

Drive-in Office,

514 S. Main Street ........... Moultrie Banking Company .. Moultrie

Perry Loan and Savings Bank,

Macon Street Office,

Perry Loan and Savings

1132-34 Macon Street . . . . . . . . . Bank .................... Perry

Sylvester Banking Company,

Drive-in Facility,

101 E. Pope Street ........... Sylvester Banking Company . Sylvester

The Peoples Bank,

Drive-in Facility,

Broad and Midland ........... The Peoples Bank .......... Winder

7- 2-56 9-21-53 1-19-42 2-20-20 12-17-63 11-13-61 4-16-62 5-31-62
8-6-65 7-16-62 4-15-60

FORTY-SIXTH ANNUAL REPORT

XIII

Exhibit "M"

DISPOSITION OF BANKS IN GEORGIA DURING 1965

BRANCHES

BANK OFFICES

BANKS AND FACILITIES

Banks in Operation January 1, 1965 ................. .

327

62

Banks in Operation December 31, 1965 ................ .

330

68

Banks Opening During Year . . . . . . . . . . . . . . . . . . . . . . 5

Spivey State Bank, Swainsboro

*Trust Company of Georgia Bank of

DeKalb, Atlanta (Brookhaven)

Citizens Bank of Washington County,

Sandersville Bank of Grady County, Whigham

Brice Banking Company, Inc., Vidalia

Banks Nationalized During Year .................. 2

The Bank of Georgia, Atlanta

Vidalia Banking Company, Vidalia

Bank Offices Opening During Year ................ 16

Trust Company of Georgia, Atlanta

Hartford Building Office

Washington Loan and Banking Co., Washington

Liberty Street Office

Cornelia Bank, Cornelia

North Main Drive-in Office

Columbus Bank & Trust Co., Columbus

Macon Road Office

The Peoples Bank, Carrollton

South and Maple Street Office

The Bank of Toccoa, Toccoa

Big A Office

Roswell Bank, Roswell

North Roswell Office

The Bank of Georgia, Atlanta

Roswell-Wieuca Office Perry Loan & Savings Bank, Perry

Macon Street Office (Facility)

The Peoples Bank, Atlanta

Buckhead Office Bank of Forest Park, Forest Park

Morrow Road Office

Commercial Bank, Waycross Northside Office
The Citizens & Southern Bank of Tucker, Tucker

LaVista Road Office

Columbus Bank & Trust Co., Columbus

Buena Vista Road Office

Savannah Bank & Trust Co., Savannah

Stephenson Avenue Office

LaGrange Banking Company, LaGrange

South Greenwood Street Office

Bank Offices Discontinued ........................ 10

**The Bank of Georgia, Atlanta

Doctors Building Office

Cascade Office

Northside Drive Office

Moreland-Custer Office

Buckhead Office

494 Ponce de Leon Office

West End Branch

Pershing Point Office

Roswell-Wieuca Office

Bank of Ft. Valley, Ft. Valley

Bank of Ft. Valley Drive-in

*Conversion of national bank to state bank. *'''Converted to national bank.

XIV

DEPARTMENT OF BANKING

Exhibit "N"

STATE BANK MEMBERS OF FEDERAL RESERVE SYSTEM
Bank of Adairsville ................................................... Adairsville Citizens Trust Company .................................................. Atlanta Trust Company of Georgia ............................................... Atlanta Georgia Railroad Bank & Trust Company ................................ Augusta Citizens Bank & Trust Company ....................................... Bainbridge Blackshear Bank ...................................................... Blackshear Columbus Bank and Trust Company .................................... Columbus Northeastern Banking Company ........................................ Commerce Granite City Bank ...................................................... Elberton The State Bank .......................................................... Griffin Brand Banking Company ........................................... Lawrenceville Farmers Bank ........................................................... Monroe Savannah Bank & Trust Company of Savannah .......................... Savannah Bank o"f Waynesboro ................................................. Waynesboro

Exhibit "0"

BANKS IN VOLUNTARY LIQUIDATION December 31, 1965

NAME OF BANK

LOCATION

DATE

Atlanta Trust Company ................. Atlanta ........................ 12-11-29 Bank of Ila ............................ I!a .............................. 8- 9-54

FORTY-SIXTH ANNUAL REPORT

XV

Exhibit "P"

ABSTRACT OF REPORTS OF CONDITION OF STATE BANKS IN GEORGIA

AS OF DECEMBER 31, 1965

(With Comparative Statement as of December 31, 1964)

Dec. 31 1965 Dec. 31, 1964

330 Banks

327 Banks

68 Branches* 62 Branches*

Increase+ Decrease-

ASSETS

Cash and balances with other banks ... $ 385,278,111 $ 377,497,286 $ 7,780,825 + U.S. Government Obligations, direct

and guaranteed ................ . 504,114,913 472,100,256 32,014,657 +

Obligations of States and political subdivisions .................... . 199,428,933

+ 152,732,917 46,696,016

Securities of Federal Agencies - not

guaranteed by U.S............... . 62,440,076

-0-

62,440,076 +

Other securities, corporate stocks, and

stock in Federal Reserve Bank ....

4,559,014

49,800,239 45,241,225-

Loans and Discounts, including

overdrafts ..................... . 1,157,814,400 1,019,932,445 137,881,955 +

Bank premises, furniture and fixtures

and other assets indirectly repre-

senting bank premises . . . . . . . . . . . . 33,985,496

31,011,358

2,974,138 +

Real Estate owned other than bank

premises . . . . . . . . . . . . . . . . . . . . . . . . 2,333,587

1,428,994

904,593 +

Customers' liability on acceptances

outstanding . . . . . . . . . . . . . . . . . . . . .

959,208

148,632

810,576 +

Other Assets ........................ _---=1.c.0'-",6'-'7.c.7'-"7,.c.9.c.6_ __:1::_:0:_c,2::_:5:_:9:_c,5=-0=-=1::.___ _~41=-:8=--,=-29=-5=---'--+

TOTAL ASSETS .......... -~$~2,~36~1~,5~9~1~,5~34=~$2~,~11:=,:4~,9~1~1~,6~28~~$2~4~6~,6~7~9,~90~6~+='=

LIABILITIES

Demand Deposits .................... $ 945,939,731 $ 892,432,895 $ 53,506,836 + Time Deposits ...................... . 757,633,104 646,081,297 111,551,807 +

Deposits of U.S. Government ......... . 33,126,708

34,817,262

1,690,554-

Deposits of States and political

subdivisions . . . . . . . . . . . . . . . . . . . . . 238,648,133 224,857,521 13,790,612 +

Deposits of Banks . . . . . . . . . . . . . . . . . . . 76,475,467

74,407,855

2,067,612 +

+ Other deposits (certified and officers' checks, etc.) ........... ~-1=5'"-9_6_9,,_9~7c-6~-1~3-,'4-5-4-,-0-2'2-~-~~~-2',-5-1c5-,9c-5-4'--

TOTAL DEPOSITS ......... $2,067,793,119 $1,886,050,852 $181,742,267 +

Liabilities for borrowed money ..... . Acceptances executed and outstanding . Other liabilities ..................... .

31,985,000 959,208
51,025,735

752,500 148,632 40,746,461

31,232,500 + 810,576 +
10,279,274 +

TOTAL LIABILITIES (not including capital accounts) .... $::_:2_:,_1_51-''.c.7_fi3'-'$,_10_,692_2-7-",-6=.9:.8::,_4:_4~:5.c_'-$--2-'2--4--,'0--6'-4--,-6-1'-7---+'-

CAPITAL ACCOUNTS

Capital (Common stock) ............. $ 63,475,900 $ 59,330,900 $ 4,145,000 +

Surplus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 92,076,728

77,820,820 14,255,908 +

+ Undivided Profits . . . . . . . . . . . . . . . . . . . 36,246,352

33,620,328

2,626,024 +

Reserves . . . . . . . . . . . . . . . . . . . . . . . . . . . _---=1~8::::,0~2=-9::::,4=-9=-2_ __::1:_6::_,>4_:4:_:1=-,c:1:_3::_5::::..___ _:1::_,::5:_:8::_8:=,--3=-5::_7:___:_

TOTAL

CAPITAL ACCOUNTS ...... $ 209,828,472 $ 187,213,183 $ 22,615,289 +

TOTAL LIABILITIES AND - - - - - - - - - - - - - - - -
+ CAPITAL ACCOUNTS ...... $~2~,3~6=1~,$52~,91114~,9,1~15,632=84~$~2~4~6~,6~7~9=,9=0~6~~

*Includes branch bank, bank offices and facilities.

XVI

DEPARTMENT OF BANKING

Exhibit "Q"

CLASSIFICATION OF BANKS BY CAPITALIZATION AS OF DECEMBER 31, 1965

No. of Banks

Capital

Total Capital

Total Resources

1

0 0

$

15,000

29

0 0 0 0 0. 0 0

25,000

7

0 0 0 0 0.

30,000

1

0 0 0

35,000

3

0. 0 0 0

40,000

1

0. 0 0

45,000

55

0 0 0 0 0.

50,000

2

0 0 0 0

3 ..........................

60,000 70,000

5

0 0 0

75,000

1

0 0 0.

80,000

1

0 0 0 0

90,000

87

0 0 0

100,000

1

0 0 0 0 0. 0. 0

120,000

10

0 0 0

125,000

1

0 0 0

130,000

1

0 0 0.

133,400

25

0 0

150,000

1

0 0 0

160,000

3

0 0. 0 0.

175,000

1

0

36 ..........................

3 ..........................

1 ..........................

9 ..........................

2 ..........................

1 ..........................

2 ..........................

1 ..........................

10 ..........................

1 ..........................

1 ..........................

1 ..........................

2 ..........................

1 ..........................

1 ..........................

5 ..........................

1 ..........................

180,000 200.000 225~000 240,000 250,000 270,000 273,000 275,000 280,000 300,000 312,500 320,000 325,000 350,000 352,000 385,000 400,000 450,000

4 ..........................
1 .......................... 1 .......................... 1 ..........................

500,000 575,000 600,000 825,000

2 .......................... 1,000.000
1 .......................... 1,650,000 1 . . . . . . . . . . . . . . . . . . . . . . . . . . 1.700.000

1 .......................... 3,750,000

1 .......................... 10,800,000

$ 15,000 725,000 210,000 35,000 120,000 45,000
2,750,000 120,000 210,000 375,000 80,000 90,000
8,700,000 120,000
1,250,000 130,000 133,400
3,750,000 160,000 525,000 180,000
7,200,000 675,000 240,000
2,250,000 540,000 273,000 550,000 280,000
3,000,000 312,500 320,000 325,000 700,000 352,000 385,000
2,000,000 450,000
2,000,000 575,000 600,000 825.000
2.000,000 1,650,000 1.700,000 3,750,000 10,800,000

$ 518,029.85 33,995,180.82 7,138,991.99 2,111,931.40 7,922,844.99 2,104, 779.57
123,023,252.64 5,407,752.44 7,976,815.65
13,819,059.02 2,648,473.07 3,457,024.12
350,713,404.18 1,931,991.89
4 7,442,677.26 3,145,290.49 6,804,221.84
141,851,108.07 8,830, 776.20
15,000,355.95 11,106,953.86 253,054,071.54 23,099,008.97
8,510,139.30 72,112,186.91 12,725,852.33 11,433,480.22 16,657,915.67
7,566,018.11 113,471,873.91
14,562,813.06
8,139~904.01
11,103,301.90 32,726,714.02 12,586,970.64 13,474.143.30 68,800,243.56 16,862.585.21 71,012,255.70 14,585,347.96
11,27~.102.73
29,97n.550.03 63,24~.192. 72 67,676,207.53
fl1.79~.fl57.74
114.R70.2R4.0fl 435,324,907.54

FORTY-SIXTH ANNUAL REPORT

XVII

LEGAL HOLIDAYS

Exhibit "R"

January 1-New Year's Day January 19-Lee's Birthday February 22-George Washington's Birthday April 26-Memorial Day
June 3-Jefferson Davis' Birthday July 4-Independence Day First Monday in September-Labor Day
October 12-Columbus Day November 11-Armistice Day Fourth Thursday in November-Thanksgiving Day December 25-Christmas Day Provided that when any of the holidays enumerated above fall on a Sunday,
the Monday next following shall be observed as a Legal Holiday.

Exhibit "S"
SUPERINTENDENTS OF BANKS, DEPARTMENT OF BANKING STATE OF GEORGIA

Name

Date of Appointment

Date Service Ended

T. R. Bennett . . . . . . . . . . . . . . . . . . . November 17, 1919
A. B. Mobley .................... January 1, 1927 W. J. Davis ..................... September 24,1931 R. E. Gormley .................. January 1, 1932 R. R. Tippins ................... October 6, 1936 John C. Beasley . . . . . . . . . . . . . . . . . January 11, 1937 R. E. Gormley ................... January 25, 1937 C. B. Golsan, Acting Sup't........ January 1, 1940 John C. Beasley ................. January 14, 1941 0. G. Jackson ................... March 22,1947 A. P. Persons ................... November 18, 1948 W. D. Trippe .................... July 1, 1960
W. M. Jackson, Acting Sup't...... July 16, 1963 W. M. Jackson ................... February 17, 1964

January 1, 1927 September 24, 1931 January 1, 1932
October 6, 1936 January 11, 1937 January 25, 1937 January 1, 1940 January 14, 1941
March 21, 1947 November 18, 1948
June 6, 1960 July 15, 1963 February 16, 1964

XVIII

DEPARTMENT OF BANKING

Exhibit "T"

PRIVATE BANKS REGISTERED WITH SUPERINTENDENT OF BANKS AS OF DECEMBER 31, 1965

Name

Location

Dorsey Banking Company.................................. Abbeville James Rivers Bank, North Slappey Drive .................. Albany Farmers Bank ............................................ Alma First City Bank, 100 Mitchell St., S.W...................... Atlanta Mercantile-City Bank, 710 Fulton Federal Building (Box 996). Atlanta Bank of Augusta, 1296 Broad Street........................ Augusta Citizens Banking Company ................................ Barwick The Peoples Bank......................................... Baxley The Citizens Bank ......................................... Broxton Farmers Clearing Bank ................................... Cadwell Citizens Bank ............................................. Cave Spring Bank of Chester .......................................... Chester The Brown Bank .......................................... Cobbtown First Citizens Bank ....................................... Covington Knight Banking Company ................................. Dexter The Commerical Bank ..................................... Douglas The Exchange Bank ...................................... Douglas The Peoples Bank ......................................... Eastman Merchants Bank, 2146 Dodson Drive ........................ East Point Peoples Banking Company................................. Folkston *Bank of Hampton ......................................... Hampton The Citizens Bank ........................................ Haralson The Coastal Bank ......................................... Hinesville People's Cash Depository.................................. Jeffersonville Citizens Bank ............................................. Kingsland The Lowndes Bank ........................................ Lake Park *Jordan Banking Company................................. Leary The Exchange Bank ....................................... Ludowici The Peoples Bank ......................................... Macon The Security Bank ........................................ McRae H. G. & 0. 0. Banks Company .............................. Milledgeville Citizens Bank ............................................. Milledgeville Aycock Banking Company ................................. Millen Morven Mutual Exchange ................................. Morven Citizens Service Bank ..................................... Omega Greene Banking Company ................................. Pavo The Corbett Bank ......................................... Pearson Bulloch Exchange Bank ................................... Preston Bank of Ray City ........................................ Ray City Peoples Bank ............................................. St. Marys Banks-Kelly Bank ......................................... Shady Dale Farmers &'Merchants Bank ................................ Smithville The Citizens Banking Company............................ Sparks M. G. Pound Bank ........................................ Sparta Commerical Bank ......................................... Tallapoosa Brogdon Bros.. Bankers ............................ , ...... Uvalda The Park Avenue Bank ................................... Valdosta
'''State Bank Charters Approved.

FORTY-SIXTH ANNUAL REPORT

XIX Exhibit "U"

STATE CHARTERED CREDIT UNIONS UNDER SUPERVISION OF DEPARTMENT OF BANKING
STATE OF GEORGIA

Total Assets as

Reported

ALBANY

December 31, 1965

Albany Federal Employees Credit Union, c/o U.S. Post Office .... $ 134,039.09

Carlton Credit Union, c/o Carlton Co., P. 0. Box 1087............

41,107.00

Colonial Dairies Employees Credit Union, 809 Oglethorpe Avenue. . Karagheusian Employees Credit Union, Gulistan Dr., P. 0. Box 648

15,913.97 43,134.91

Keenan Credit Union, 112 N. Front Street......................

142,708.79

ATHENS
Athens Division Credit Union, c/o Georgia Power Company ..... . C. C. E. A. Credit Union, 394 South Milledge Avenue ............. . Dairy-Pak Athens Credit Union, 600 Linton Springs Road ....... .

215,712.25 39,188.35 48,607.95

ATLANTA
A. D. Co. Employees Credit Union, 777 Memorial Drive, S. E ...... . AMCO Credit Union, 221 Ivy Street, N. E ...................... . AMILSCO Credit Union, 451 Stephens Street, S.W.............. . ARM-AG-CHEM Credit Union, 30 Pryor Street, S.W., 830
Title Bldg................................................. . ARMCO Credit Union, 593 Glen Iris Dr., N.E.................... . Arrow Credit Union, 2022 Murphy Avenue, S.W................ . Associated Credit Union, 55 Forsyth Street, N.W................ . Atlanta City Employees Credit Union, 601 City Hall ........... . Atlanta Cooperative Credit Association, 719 Fulton Federal Bldg.. . Atlanta Greyhound Terminal Employees Credit Union,
81 Cain Street . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Atlanta Postal Credit Union, M-102 Federal Annex ............. . Atlanta Railway Postal Clerks Credit Union, 111-M
Federal Annex ............................................. . Atlanta Teachers Credit Union, 462 Eighth Street, N.E .......... . Atlanta Terminal Employees Credit Union, 71 Spring Street ..... . Atlantic Steel Credit Union, 1300 Mecaslin Street, N.W.......... . Ben Franklin Credit Union, 1400 West Peachtree Street, N.W.... . Building Authority Employees Credit Union, 244 Washington Street Circle "W" Credit Union, 1299 Northside Drive, N.W............ . Delta Employees Credit Union, Atlanta Airport ................. . Dixie 66 Credit Union, 1430 West Peachtree Street, N.W........ . DuPont Atlanta Employees Credit Union, 1737 Ellsworth
Industrial Dr............................................... . Employees Credit Union, Swift & Company, 244 Peters Street, S.W. Employees Group Credit Union, #3 Executive Park, East ....... . Employment Service Credit Union, 61 Trinity Avenue, S.W...... . Essell Credit Union, 1197 Peachtree Street, N.E................ . Federal Employees Credit Union, 83 Walton Street, N.W........ . GA-WP General Office Credit Union, #4 Hunter Street, S.E.... . Gaylord Emplovees Credit Union, 1470 Bla~hfield Street. S.E.... . General Shoe Credit Association, 1251 Caroline Street, N.E ...... . Genuine Parts Credit Union, 299 Piedmont Avenue, N.E ......... . Georgia E. S. A. Credit Union, 295 State Labor Bldg.......... . Georgia Federation of the Blind Credit Union,
244 Washington Street ...................................... . Georgia Health Department Credit Union, 516 State Health Bldg.. . Georgia League Credit Union, 2719 Buford Highway ........... . Georgia Standard Oil Employees Credit Union, Fulton N at'l
Bank Bldg................................................. . Georgia State Department of Education, 203 State Office Bldg.... .

70,679.17 128,051.98
13,068.36
151,473.73 69,136.63
417,000.45 757,397.00 1 ,026,944. 71 209,178.08
12,720.70 13,754,992.07
1,228,063.55 655,407.91 60,177.10
1,159,798.82 29,657.76
168,443.41 4,807.13
5,148,864.54 108,948.69
60,028.86 138,758.78
7,914.49 85,158.11 82,595.81 8,118,516.38 71,796.90 87,028.72 53,023.31 103,193.13 108,813.20
15,776.20 329,437.0::\ 2,024,687.53
385,487.54 287,870.21

XX

DEPARTMENT OF BANKING

Exhibit "U"--Cont'd

Georgia State Highway Department Employees Credit Union,

271 Capitol Avenue, S.W...................................... $ 895,219.92

Georgia Telco Credit Union, 440 Hurt Bldg...................... . 13,423,075.94

GILIC Credit Union, 615 Peachtree Street ..................... .

37,805.77

Grinnell Corporation Employees Credit Union, 240 N.

Highland Avenue .......................................... .

63,140.53

Hospital Authority Employees Credit Union, 80 Butler

Street, S.E. . ............................................... . 249,097.23

Hotpoint Credit Union, 1695 Marietta Boulevard, N.W.......... .

11,354.51

John Rogers Employees Credit Union, 1040 Huff Road, N.W...... .

28,766.70

Journal-Constitution Employees Credit Union, 10 Forsyth

Street, N.W................................................ . 826,342.96

L & P Credit Union, 196 Marietta Street, N.W.................. .

24,044.96

Marion Manufacturing Credit Union, 174 Chester Avenue, S.E.... .

18,020.07

Massey College Credit Union, 181 Peachtree Street ............. .

1,178.91

Mead Packaging Employees Credit Union, 1050 West Marietta

Street, N.W................................................ . 350,983.91

Merchants Mutual Credit Corporation, 505 Bank of Georgia Bldg.. . 1,389,781.00

Miss Georgia Credit Association, 2121 Faulkner Road, N.E...... .

73,645.66

Montag Employees Credit Association,

245 N. Highland Avenue, N.E................................ . 148,317.93

Mr. Friendly Credit Union, #1 Executive Park, East........... .

45,023.90

Mutual Savings Credit Union, 1219 Caroline Street, N.E......... . 997,150.28

Orange Disc Credit Union, 1375 Peachtree Street, Room 180 ..... . 1,054.269.49

Pepsi Credit Union, 1480 Chattahoochee Avenue, N.W............ .

7,760.04

Presbyterian Center Credit Union, 2116 Monroe Drive ............ .

51,861.76

R. E. A. Employees Credit Union, 325 Mitchell Street, S.W...... . 105,528.25

Regenstein Employees Credit Union, 209 Peachtree Street ....... .

17,066.23

Rich's Employees Credit Union, P. 0. Box 4539 ................. . 2,296,040.54

Ruralist Credit Union, 713 Glenn Street, S.W.................... . 371,904.74

Russell Company Employees Credit Union,

117 Central Avenue, S.W................................... ..

25,530.85

Sho Do Co Savings Plan Credit Union,

1301 Chattahoochee Avenue, N.W............................ .

11,999.24

Small Agencies Credit Union, #1 Hunter Street, S.W............ . 195,643.11

S.M.C.R.C. Credit Union, 1307 Peachtree Street ................. .

55,650.04

S. 0. S. Credit Union, 214 State Capitol ........................ .

78,310.09

Southeastern Region ILGWU Credit Union,

1065 Gordon Street, S.W.................................... .

6,371.70

Southern Freight Bureau Employees Credit Union,

101 Marietta St. Bldg....................................... . 117,078.69

State Revenue Department Credit Union,

Room 624, Old State Office Bldg............................. .

45,809.67

Thompson Boland and Lee Employees Credit Union,

201 Peachtree St., N.E...................................... .

72,224.53

The Thrift Credit Union, 3rd Floor, Terminal Station Bldg...... . 852,536.17

United Family Employees Credit Union, 494 Spring Street, N.W.. .

55,073.73

Victor Business Forms- Atlanta Credit Union,

720 Forrest Road, N.E...................................... .

22,068.69

White Columns Credit Union, 1601 West Peachtree Street, N.E... .

26,919.47

AUGUSTA
Georgia Railroad Employees Credit Union, 615 8th Street ....... . King Mill Savings and Credit Association, Goodrich Street ....... . Richmond County Health Department Employees Credit Union,
1001 Bailie Drive .......................................... .

94,869.73 689,787.36
53,790.11

BOWMAN Wright Garment Employees Credit Union, Bowman ............... .

19,912.13

BRUNSWICK Glynn County Federal Employees Credit Union, Federal Bldg.....

45,416.83

FORTY-SIXTH ANNUAL REPORT

XXI

CHAMBLEE

Exhibit "U"-Cont'd

Lay Employees Savings and Loan Credit Union, 4950 Peachtree Industrial Boulevard ........................... $ 460,819.20

COLLEGE PARK T. C. Employees Credit Union, 1971 Roosevelt Highway ......... .

50,367.09

COLUMBUS
Columbus Coca Cola Employees Credit Union, 305 17th Street .... Columbus Health and Hospital Credit Union, 1958 Eighth Avenue. Columbus Postal Employees Credit Union,
Room A-1 P. 0. Bldg., Box 495 .............................. . Gas Light Employees Credit Union, 1421 4th Avenue ........... . Swift Credit Union, 1410 Sixth Avenue ........................ . WeeReBel Employees Credit Union, 1350 13th Avenue ........... .

19,837.55 196,290.74
322,960.42 76,789.18 42,952.92 52,622.32

CORDELE Harris Employees Credit Union, P. 0. Box 998 ................. .
CORNELIA Statco Credit Union, 224 North Main Street ................... .
DALTON Crown Tuft Employees S. and L. Credit Union, Dalton ......... . N. G. E. M. C. Credit Union, 301 Selvidge Street ............... . W. E. Strain EQJ.ployees Credit Union, Highway 41 South ....... . TEXACOTE Credit Union, c/o Textile Rubber & Chemical Co., Route #1 ................................................. . Whitfield County Postal Employees Credit Union, Post Office ... .
DECATUR Decatur Postal Employees Credit Union, 186 Rio Circle ....... . Decatur Teachers Credit Union, 320 N. McDonough Street ....... . D. R. H. D. Credit Union, 126 Trinity Place, W ................ . Kraft Employees Credit Union, 1205 DeKalb Industrial Way .... . The WoodCo Credit Union, 114 New Street ..................... .
DORAVILLE F. D. & L. Employees Credit Union, 3101 McCall Drive, P. 0. Box 1000 ......................... .
DRY BRANCH Georgia Kaolin Employees Credit Union, c/o Georgia Kaolin Co...................................... .
DUBLIN Dublin Federal Employees Credit Union, V. A. Center ........... .
EASTMAN Stuckey's Employees' Association Credit Union, c/o Stuckey's .....
EAST POINT Associated Grocers Credit Union, 1286 Milledge Street .......... . Colonial Stores Employees Credit Union, 2251 North Sylvan Road .. East Point Municipal Employees Credit Union, City Hall ....... . I. P. Co. Employees Credit Union, 2323 North Sylvan Road ...... . Tri-City Postal Credit Union, Post Office ..................... . WASE Credit Union, 2675 Martin Street ....................... .
ELBERTON Stone Workers Credit Union, 14% North Mcintosh Street........ .
FOREST PARK Sexton Atlanta Employees Credit Union, 150 Thames Road ....... .

74,486.34
6,542.42
15,860.14 41,309.31 32,407.67 18,478.12 25,699.09
53,137.43 85,671.48 49,570.65 1,912,610.44 33,767.62
343,810.12
96,801.45
244,574.87
152,706.45
1,321,663.75 2,199,838.72
230,810.66 47,895.76 80,777.09 19,367.74
25,363.15
86,868.79

XXII

DEPARTMENT OF BANKING

FORT McPHERSON

Exhibit "U"-Cont'd

Ft. McPherson Credit Union, Building T-213 ..................... $ 1,330,912.01

GAINESVILLE CITISCO Credit Association Credit Union, 401 Main Street ...... .
HAPEVILLE Fulton Teachers Credit Union, 381 Scott Hudgins Bldg., 3420 Whipple Ave.......................................... .

20,460.21 318,454.60

JACKSON
CGEMC Employees Credit Union, c/o Central Ga. Elec. Membership Corp....................... .

37,111.66

JONESBORO C.C.B.E. Employees Credit Union, Box 492 ..................... .

198,547.81

MACON
CGMT Employees Credit Union, 340 Hazel Street ................ . City Employees Credit Union, City Hall ....................... . Davison's of Macon Credit Union, 433 Cherry Street ........... . D. D. D. Credit Union, 4570 Pio Nono Avenue, c/o The Borden Co.. .

13,326.68 81,701.65 19,462.16
4,655.38

MACON
Federal Employees Credit Union, 213 New Federal Bldg., P. 0. Box 5313 ....................... .
Georgia Kraft Employees Credit Union, 4891 Meade Road ....... . Macon Firemen's Credit Union, 511 First Street, City Hall ..... . Macon Police Credit Union, Police Department, City Hall ....... . Macon Water Works Credit Union, 760 Third Street ........... . The Procter & Gamble Macon Employees Credit Union,
1265 Sixth Street .......................................... .

160,797.06 534,143.86 128,240.15 208,777.25
60,437.01
92,094.34

MARIETTA
C-Mar Credit Union, 213 Atlanta Street, City Hall ........... . Home Employees Credit Union, 1425 Franklin Road ........... .

23,440.62 67,404.30

MILLEDGEVILLE
Baldwin County Hospital Employees Credit Union, c/o Hospital .. Milledgeville State Hospital Credit Union, Lawrence Bldg........ .

24,581.25 971,976.37

MOULTRIE Employees Credit Union Swift & Co., c/o Swift & Co.......... .

147,539.73

PATTERSON Pierce County Employees Credit Union, Patterson ............... .

328.64

PLAINS Sumter County Teachers Credit Union, Plains ................. .

42,912.59

QUITMAN
Brooks County Packing Company Employees Credit Union, N. Highland Street......................................... .

3,607.46

ROME
Floyd County Postal Employees Credit Union, P. 0. Bldg...... . Rome Kraft Employees Credit Union, P. 0. Box 1551 ........... .

159,457.40 672,267.46

SAVANNAH
Blue Flame Credit Union, 114 Barnard Street ................. . G. P. A. Credit Union, c/o Georgia Ports Authority,
P. 0. Box 1039 ............................................. . Health Employees Chatham County Credit Union,
Intermediate & Meridian Rd................................. . Merchants Credit Union, 4711 Sylvan Drive ..................... .

55,065.49
41,172.44
76,657.05 42,391.07

FORTY-SIXTH ANNUAL REPORT

XXIII

Exhibit "U"~Cont'd

Savannah Electric and Power Employees Credit Union,

600 Bay Street .............................................. $ 401,100.81

Savannah Federal Credit Union, 23 Lincoln St., P. 0. Box 1382 .. . 360,884.63

Savannah J-Mers Credit Union,

No. 1 Foundation Drive, P. 0. Box 1003 ...................... .

28,401.39

Savannah Postal Credit Union, Room 229, P. 0. Bldg............ . 184,460.52

Savannah Transit Credit Union, 900 East Gwinnett Street ....... .

81,678.76

Seaboard Employees Credit Union of Savannah, Inc.,

601 East Broad Street ...................................... . 360,697.38

Workmen's Circle Credit Union, 416 West Congress Street....... . 237,396.74

TALLAPOOSA
Dixisteel Credit Union, Tallapoosa ............................. .
TOCCOA
TMPICO Employees Credit Union, c/o Toccoa Metal Products Co................................ .
Wright Manufacturing Employees Credit Union, 626 West Currahee Street ................................... .
VALDOSTA
Valdosta Onized Credit Union, Highway 31 ..................... .

61,863.41
3,549.10 50,646.68 501,850.24

Exhibit "V"
ABSTRACT OF REPORTS OF CONDITION OF STATE CHARTERED CREDIT UNIONS AS OF DECEMBER 31, 1965

Percent Percent

Amount

of

of

December 31,December 31, Increase Increase Total

1965

1964 (Decrease)(Decrease) Assets

ASSETS: Cash ..................... $ 3,324,516

Loans . . . . . . . . . . . . . . . . . . . . 66,914,028

U.S. Government Securities. 1,082,538

Other Bonds, Stocks

and Investments . . . . . . . . . 6,676,428

Furniture and Fixtures

234,501

Other Assets . . . . . . . . . . . . . . 772,784

Total Assets ............ $79,004,795

$ 3,225,148 57,001,257 1,213,767
7,994,805 247,839 854,429
$70,537,245

$ 99,368 9,912,771 (131,229)
(1,318,377) (13,338) (81,645)
$8,467,550

LIABILITIES: Deposits, Including Non-members ........... $68,776,900 Notes and Accounts Payable. 2,582,597 Other Liabilities . . . . . . . . . . 571,950
Total Liabilities ......... $Y1,931~47

RESERVES: (1) . . . . . . . . . . . 2,282,853 Total Liabilities

and Reserves ............ $74,214,300

CAPITAL: Shares . . . . . . . . . . . . . . . . . . .
Surplus and Undivided Profits (2) . . . . . . . . . . . . .

614,773 4,175,722

Total Liabilities, Reserves and Capital ... $79,004,795

$61,361,191 2,238,034 491,834
$64,o9i,059 2,213,033
$66,304,092
590,571
3,642,582
$70,537,245

$7,415,709 344,563 80,116
$-7,840,388 69,820
$7--:910,208
24,202
533,140
$8,467,550

Number of Shareholders

120,162

111,456

8,706

Number of Depositors (3) . . . 114,866

106,264

8,602

Number of Reporting

Credit Unions .. .. .. .. . .. ..

158

162

(4)

Number of Loans . . . . . . . . . . . . 72,888

66,971

5,917

(1) Before Credits from 1965 Income; (2) Includes 1965 Earnings;

(3) Includes Non-Members

3.08 17.39 (10.81)
(16.49) (5.38) (9.55) 12.00
12.09 15.40 16.28 12.23
3.15
11.93
4.10
14.64
12.00 -7.81
8.09
(2.46) 8.84

4.21 84.69
1.37
8.45 .30 .98
100.00
87.05 3.27 .72
91.04 2.89
93.93
.78
5.29
100.00

XXIV

DEPARTMENT OF BANKING

Exhibit "W"

FIRMS LICENSED BY THE SUPERINTENDENT OF BANKS UNDER THE GEORGIA SALE OF CHECKS ACT, (Chapter 13-22,
GEORGIA CODE ANNOTATED, APPROVED MARCH 2, 1965.

Name

Address

City

American Express Company ...... 65 Broadway ............ New York, N.Y. 10006 Nation-Wide Check Corporation ... 100 W. 22nd Street ...... Baltimore, Md. 21218 Republic Money Orders, Inc....... Republic National Bank
Building .............. Dallas, Texas 75201 Thos. Cook & Son (Bankers) Ltd... 587 Fifth Avenue ........ New York, N.Y. 10017 Travelers Express Company, Inc... Northwestern Bank
Building- .............. Minneapolis, Minn. 55402

FORTY-SIXTH ANNUAL REPORT

STATEMENT

Showing condition at the close of business December 31, 1965, of

ABBEVILLE STATE BANK Abbeville (Wilcox), Ga.

As called for by the Superintendent of Banks

J. H. DORMINY, JR., President.
Date of Charter: 4-22-1952

c. A. NEWCOMER, JR.,
Cashier. Began Business: 4-22-195_2

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obliga tions, direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securi ties of Federal agencies and
uc o.rsp.o.r.a.t i.o.n.s. .n.o.t. .g. .u.a.r.a.n. .t .c.e.d. . .by.
Other securi ties, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank prc:-miscs .............
Real estate owned other than bank premises ......................
Customers' liability to this bank on acceptances outstanding .......
Other assets ..................... .
Total Assets .................. $

271,838.45 173,8i3.50 34,952.41
44,600.00 None
852,616.81
932.11 None None 252.04 I ,379,065.32

LIABILITIES
Demand deposits ............ $ Time and savings deposits ........ . Dt>posits of U. S. Government ..... .
Ddi~i;J~n~f. ~~~~es .a.~~. :~~i~~cal ~~~:
Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac~
count of this bank and outstand~ ing ........................... . Other liabilities ....... Capital notes and debentures ....... . Preferred stock ....... Common stock ............ Surplus ......... Undivided profits ......... Reserves ...................

642,761.39 479,098.75
2,321.60
120,908.85 None
3,322.89 None
None 7,056.44
None None 25,000.00 75,000.00 23,595.40 None

Total Liabilitieo ............ $ 1,379,065.32

STATEMENT Showing condition at the close of business December 31, 1965, of
BANK OF ACWORTH Acworth (Cobb), Ga.
As called for by the Superintendent of Banks

F. J. KIENEL. President.
Date of Charter: 10-31-1905

E. H. HARRISON, Cashier.
Began Business: 12-19-1905

ASSETS
Cash, balances with other banks. and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not g u a rant e e d by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ................
Real estate owned other than bank premises ......................
Custon1crs' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets ............. $

980,128.35 569,419.99
63.723.91
125,187.54 None
2,030,026. iO
92,241.87 12,542.35
None 11,543.36 3,884,814.07

LIABILITIES
Demand deposits .................. $ Time and savin~s deposits ..... Deposits of U. S. Government ..... Del?o~i.ts of States and political sub-
diVISions ........... Deposits of banks ............... .. Certified and officers' checks, etc... Other liabilities for borrowed monPy. Acceptances executed by or for ac-
count of this bank and outstandin~ .................. Other liabilities .................. . Capital notes and debentures ....... . Preferred stock ............ Common stock ...........
Surolus ......................... . Undivided profits ................ . Reserves ................

1,890,617.41 1,275,275. 77
8,700.00
380,313.21 Non>
15,149.69 None
None 10,000.00
None None 100,000.00 130,000.00 74,757.99 None

Total Liabilities ............... $ 3,884,814.07

2

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF ADAIRSVILLE Adairsville (Bartow), Ga.

As called for by the Superintendent of Banks

J. C. HAMBRIGHT, President.
Date of Charter: 3-21-1899

J. E. McKELVEY, Cashier.
Began Business: 3-24-1899

ASSETS

Cash, balanct>s with other banks, and

cash items in process of collection .. $ 384,464.19

United States Government obliga-

tions, direct and guaranteed ..... .

376,757.51

Obligations of States and political

subdivisions .................... .

330,726.32

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Other securi ties, corporate stocks and

35,029.18

stock in Fcdt"'ral Reserve Bank ....

4,500.00

Loans and discounts, including over-

drafts ......................... .

844,482.64

Bank premises, furniture and fixtures~

and other assets representing bank premises ....................... .

41,149.28

Real estate owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other assets ..................... .

None

-----

Total Assets .................. $ 2,017,109.12

LIABILITIES
Demand deposits .................. $ Time and s.avings deposits ........ . Deposits of U. S. Government ..... . Deposits of States and political subw
divisions ....................... . Deposits of banks ................. . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances t"Xecu ted by or for acw
count of this bank and outstanding ........................... . Otht"r liabilities .................. . Capital notes and debentures ....... .
Preferred stock ................ . Common stock ................. . Surplus ......................... . Undivided profits ................ . Reserves .............. o

930,569.49 678,379.43
16,358.44
124,243.55 None
18,494.71 None
None 1,148.00
None None 50,000.00 100,000.00 97,915.50 None

Total Liabilities ............... $ 2,017,109.12

STATEMENT

Showing condition at the close of business December 31, 1965, of

ADEL BANKING COMPANY Adel (Cook), Ga.

As called for by the Superintendent of Banks

A. L. PARRISH, President.
Date of Charter: 2-27-1929

A. L. PARRISH, JR., Cashier.
Began Business: 3-1-1929

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 863,293.31

United States Government obligaw

tions, direct and guaranteed......

787,346.03

Obligations of States and political

subdivisions . . . . . . . . . . . . . . . . . . . . .

375,184.88

Securities of Federal agencies and

cuo.rsp.ora.t.i.o.n.s. .n.o.t. . .g.u.a. .ra. .n.t.e.e.d. . .b.y.

350,000.00

Other securitit>s, corporate stocks and

stock in Federal Reserve Bank....

None

Loans and discounts, including overw

drafts . . . . . . . . . . . . . . . . . . . . . . . . . . 2,356, 736.38

Bank premises, furniture and fixtures,

and other assets representing bank

premises . . . . . . . . . . . . . . . . . . . . . . . .

38,000.00

Real estate owned other than bank

premises ... ,_....................

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets ...... "j ............ _ _ _ _ 1,531.43

Total Assets .................. $ 4,772,092.03

LIABILITIES
Demand deposits .................. $ Time and savings deposits . o o o o Deposits of U. S. Government ..... . De~o~i~s of States and political sub-
d!vJsJons . o o. o. o Deposits of banks .. o o o Certified and officers' checks, etc.... Other liabilities for borrowed monry. Acceptances t"xecuted by or for ac-
count of this bank and outstandw ing ........ 0 0 o o o Other liabilities .................. Capital notes and debenturt"s ....... . Prderred stock ................ . Common stock o o o o o o o o Surplus .............. o Undivided profits ................ . Reserves ........ o

2,371,968.03 1,344,181.87
101,649.17
489,621.61 85,402.24 452.56 None
None 540.00 None None 100,000.00 100,000.00 78,276.55 100,000.00

Total Liabilities ............... $ 4,772,092.03

FORTY-SIXTH ANNUAL REPORT

3

STATEMENT

Showing condition at the close of business December 31, 1965, of

FARMERS AND MERCHANTS BANK Adel (Cook), Ga.

As called for by the Superintendent of Banks

W. J. HARRIS, President.
Date of Charter: 12-11-1947

W. J. HARRIS
t;ashier. Beg~n Business: 1-15-1948

ASSETS
Cash, balanct's with other banks, and cash itt:>ms in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by L'.S .......................... ..
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including ovt'rdrafts ......................... .
Bank prt>mises, furniture and fixture<>, and other assets representing bank premises ....................... .
Real t'statc owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Otht>r assets ..................... .
Total Assets .................. $

523,618.25 802,202.88 11,290.19
None 44,170.00 1,079,620.11
5,675.01 None None None
2,466,576.44

LIABILITIES

Demand deposits .................. $

Time and savings deposits ... o o

Deposits of U.S. Government 0 Deposits of States and political sub~

divisions ... o o. o o o. o

Deposits of banks ................

Certified and officers' checks, etc....

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand~

ing

... o. o o o o o. o

Other liabilities ... o

Capital notes and debentures ....... .

Preferred stock o o

Common stock .... o

Surplus .................... 0 0,

Undivided profits ................ .

Reserves .. o o

964,067.05 912,785.20
18,066.54
313,487.57 24,471.77 16,708.95
None
None None None None 100,000.00 100,000.00 16,989.36 None

Total Liabilities ............... $ 2,466,576.44

STATEMENT

Showing condition at the close of business December 31, 1965, .of

MONTGOMERY COUNTY BANK Ailey (Montgomery), Ga.

As called for by the Superintendent of Banks

JAMES PETERSON, President.
Date of Charter: 2-24-1926

MISS MARY SMITH, Cashier.
Ree-a.n Business: 3-1-1926

ASSETS
Cash, balance~ with other banks, and cash items in process of collection .. $
United States Government obliga~ tions, direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by U.S........................... .
Other securities, corporate stocks and stock in Fedcral Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures. and ~lthcr assets representing bank premises .......................
Real estate owned other than bank premis('S ................. o
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

250,595.54 349,000.00
None None None 453,341.26 2,178.12 None
1,055,114.92

LIABILITIES,
Demand deposits .................. $
Time and savings deposits ...... Deposits of U.S. Government .... Deposits of States and political sub-
divisions 0 o o Deposits of banks ............ o Certified and officers' checks, etc. o Other liabilities for borrowed money. Acceptances executed by or -for ac-
count of this bank and outstanding- . . . . . . . . . . o o Other liabilitiPs ...... o o Capital notes and debC"ntures. o o ..... Pre-ferred stock .......... o o. o o Common stock ... o Surplus ......................... . Undivided profits o o o o Reserves o o o o

535,703.33 236,063.06
20,496.55
98,443.70 67 ,4'!8.90
5,489.63
~one
Non~
9,041.58 None None
30,000.00 50,GOO.GO 2,378.17
None

Total Liabilities .............. $ 1,055,114.92

4

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

WHEELER COUNTY STATE BANK Alamo (Wheeler), Ga.

As called for by the Superintendent of Banks

WALLACE ADAMS, Presidentl
Date of Cl>,>'f:er: 1-15-1945

FRANCES C. GRIFFIN Cashier.
Beg11n Business: 1-17-1945

ASSETS

Cash, balances with other banks, and

cash i terns in process of collection .. $ United States Government obliga-

129,266.46

tions, direct and guaranteed .... : .. Obligations of States and poht1cal

578,628.00

subdivisions .................... . Securities of Federal agencies and

24,300.00

corporations not guaranteed by

u.s.
Other securities, corporate stocks anci.

None

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts ..................

822,972.53

Bank premises, furniture and fixtures,

and other assets representing bank

premises ..................

15,029.31

Real estate owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other assets ..................... .

None

-----

Total Assets .................. $ 1,570,196.30

LIABILITIES
Demand deposits .................. $ Time and savings deposits ........ .
Deposits of U. S. Government ....... . DcJ?o.si.ts of States and political sub-
dtVISions ....................... . Deposits of banks ................ . Certified and officers' checks, etc.. . . Other liabilities for borrowed money. Acceptances executed by or for ac~
count of this bank and outstand~
ing ..................... Other liabilities .................. . Capital notes and debentures ....... .
Preferred stock ................ . Common stock ................. . Surplus ......................... Undivided profits ................ . Reserves ....................... , ..

758,331.88 330,992.34
9,393.14
330,000.00 None
6,889.09 None
None 5,334.48
None None 25,000.00 100,000.00 4,255.37 None

Total Liabilities ............... $ 1,570,196.30

STATEMENT

Showing condition at the close of business December 31, 1965-, of

BANK OF ALAPAHA Alapaha (Berrien), Ga.

As called for by the Superintendent of Banks

J. P. CULPEPPER, SR.,

ALVIN H. RINER,

President. Date of Charter: 3-4-1905

Cashier. Began Business: 3-25-1905

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed......
Obligations of States and political subdivisions . . . . . . . . . . . . . . . . . . . . .
Securi ties of Federal agencies and
cuo.rsp.ora.t.i.o.n.s. .n.o. t. . .g.u. a. .r.a.n.t.e.e.d. . .b.y.
Other securities, corporate stocks and
stock in Federal Reserve Bank.... Loans and discounts, including over-
drafts . . . . . . . . . . . . . . . . . . . . . . . . . . Bank premises, furniture and fixtures,
and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . . Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . . Customers' liability to this bank on
acceptances outstanding . . . . . . . . . Other assets .......... , , . . . . . . . . . .

188,666.42 883,511.88 340,474.00
50,000.00 Nonf'
1,189,447.23
64,718.55 6,491.15
None None

Total Assets .................. $ 2, 723,309.23

LIABILITIES
Demand deposits ............. $ Time and savings deposits ........ Deposits of U. S. Government ... Deposits of States and political sub-
divisions ...................... Deposits of banks ................ .. Certifif'd and officers' checks, etc.... . Other liabilities for borrowed money. Acceptances executed by or for ac~
count of this bank and outstand~ ing ............................ . Other liabilities .................. . Capital notes and debentures ....... . Preferred stock ................ . Common stock ................. . Surplus ......................... . Undivided profits ............... Reserves ..................

941,844.24 1,184,634. 72
6,427.11
165,563.57 50,000.00
874.95 None
None 19,830.76
None None 100,000.00 100,000.00 104,133.88 50,000.00

Total Liabilities .......... $ 2.723,309.23

FORTY-SIXTH ANNUAL REPORT

5

STATEMENT

Showing condition at the close of business December 31, 1965, of

ALBANY SAVINGS BANK Albany (Dougherty), Ga.

As called for by the Superintendent of Banks

THOS R. ST-ANBURY President.
-Date of Charter; R-21-1950

P. T. BOSTWICK, Cashier.
Began Business: 10-2-1950

ASSETS
Cash, balances with other banks, and
cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securi ties of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures,
and other assets representing bank prerrllses ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

256,963.89 125,000.00 841,534.33.
275,000.00 123,812.34 3,895,502.10
39,037.53 13,377.50
Non.e_ 688.00

Total Assets .................. .,. 5,570,915.69

LIABILITIES

Demand deposits ...........

Time and savings deposits ........ $

Deposits of U. S. Government ..... .

Deposits of States and political sub~

divisions ....................... .

Deposits of banks ..............

Certified and officers' checks, etc....

Other liabilities for borrowed money.

Acceptances executed by or for ac~

count of this bank and outstand~

ing .....

Other liabilities .........

Capital notes and debentures ....... .

Preferred stock . o o

Common stock .. o o o. 0. 0 0 0.

Surplus ............... , ,

Undivided profits ................ .

Reserves

.. o o. o. o o o. o. o. o. o

None 3,990. 752.73
4,C46.09
116,500.00 120,000.00
None None
None 860,844.45
None None 150,000.00 50,000.00 178,772.42 100,000.00

Total Liabilities ............... $ 5,570,915.69

STATEMENT

Showing condition at the close of business December 31, l 965. of THE CITIZENS & SOUTHERN BANK OF ALBANY Albany (Dougherty), Ga.

As called for by the Superintendent of Banks

HOYT D. EDGE, President.
Date of Charter: 5-6-1943

ERNEST Z. CROWLEY, JR. Cashier
Began Business: 6-1-1943

ASSETS

Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obligati?~S of States and political subdiVISIOns o , , , o , o , , , o , , , , ,
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,corporatestacksand
'itock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixtures,
and other assets representing bank
premises o. o o o
Real estate owned other than bank premises . o o o o o. o o. o 0 o. o
Customers' liability to this bank on acceptances outstanding .... o o o
Other assets . . . . . . . . . . . . . . . . . . .

5,349,247.53 7,898,623.43 5,249,799.40
200,000.00 9,450.00
20,967,390.33
561,264.96 147,221.67
None 505,019.05

----~
Total Assets ........... $ 40,888,016.37

LIABILITIES

Demand deposits ................. $ 16,210,811.27

Time and savings deposits o o o o o 13.844,918.58

Deposits of U. S. Government .. o. o.

661,609.62

Ddi~i;;~n~f. ~:~~es .a.~~. :~~i:icaI ~~~~ 3,030,483.20

Deposits of banks ................ . 1,846,650.05

Certified and officers' checks, etc... .

149,185.84

Other liabilities for borrowed money.

None

Acceptances executed by or for ac~

count of this bank and outstand-

ing ............ o. o o o

None

Other liabilities o. o o ............ .

1,323,776.85

Capital notes and debentures ....... .

None

Preferred stock ................ .

None

Common stock o o o o o o Surplus .......................

1,000,000.00 1,000,000.00

Undivided profits ...... 1,011,563.10

Reserves . o o. o o o o

809,017.86

Total Liabilities ........ : $ 40.888,016.37

6

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

FIRST STATE BANK & TRUST COMPANY Albany (Dougherty), Ga.

As called for by the Superintendent of Banks

J. R. PINKSTON, President.
Date of Charter: 3-::11-1961

MORRIS McNEIL, Cashier.
Began Business: 3-31-1961

ASSETS
Cash, balances with other banks: and cash items in process of collectiOn .. $
United States Government obligations, direct and guaranteed..:..
Obliga~i?~s of States and political
subdtVlSIOllS ..
Securities of Federal agencies and corporations not guaranteed by U.S. . . . . . . . . . . . . . . . . . . . . . . . . . . .
Other securities, corporate stocks and stock in Ft'deral Reserve Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtur('s, and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .

5,272,151.13 6,481,045.66 2, 71 j ,664.59
200,000.00 None
14,595,3G6.f~J
531,761.28 None 1\'one
178,56ll.68

Total Assets .................. $ 29,976.5',CI.I::l

LIABILITIES
Demand deposits ............. , . , .. .$
Time and savings deposits .. , ..
Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ....................... . Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money, Acceptances executed by or for ac-
count of this bank and outstandin~ ........................... Other liabilities ............. , . , .. . Capital notes and debenturPs ........ .
Preferred stock ......... , ...... . Common stock ................. . Surplus ......................... .
Undivided profits ................ . Reserves .................... , ... , .

11,495,279.21 9,704,204.52
395,727.85
3,342,681.75 808,519.71 177,258.38 None
None 1,303, 785.23
None None 825,000.00 1,000,000.00 474,119:1.38 450,000.00

Total Liabilities ............... $ 29,976,550.03

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE FOUR COUNTY BANK Allentown (Wilkinson), Ga.

As called for by the Superintendent of Banks

A. T. LAND, President.
Date of charter: 8-18-1941

JOHN E. FREEMAN, Cashier.
Began Business: 9-15-1941

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations. direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock jn Federal Reserve Bank ....
Loans and discounts, including overdrafts .........................
Bank premises, furniture and fixtures, and other assets representing bank premises . o o 0 0
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on: acceptances outstanding .... o
Other assets . 0 0 0 :

766,952.43 1,047,335.94
34,374.00
424,851.57 None
1,746,846.58
35,082.33 None None
1,895. 79

LIABILITIES

Demand depo;its .................. $

Time and savin~s deposits ........ .

Deposits of U. S. Government ..... .

Deposits of States and political sub-

divisions ........... o

Deposits of banks ................ .

Certified and officers' checks, etc... .

Other liabilities for borrowed monf'y.

Acceptances cxPcuted by or for ac-

count of this bank and outstand-
0. ing . . . . . . . . . . . . . . ~ o

Other liabilities ..................

Capital notes and debentures ....... .

Prderrcd stock o o

Common stock ..... o o

Surplus

o. o o

Undivided profits ................ .

Reserves ............ o o o. o

Total Assets .... :: ............ $ 4,057,338.64

Total Liabilities ............... $

-------~ --------~---~---~----------

1,383,150.34 1,793,030.86
9, 712.60
451,842.74 26,109.80 5,460.84 None
None 101,335.23
None None 100,000.00 150,000.00 36,696.23 None
4,057,338.64

FORTY-SIXTH ANNUAL REPORT

7

STATEMENT

Showing condition at the close of business December 31, 1965, of

ALMA EXCHANGE BANK Alma (Bacon), Ga.

As called for by the Superintendent of Banks

VALENE BENNETT, President.
Date of Charter: 9-30-1939

R. E. BOATRIGHT, Cashier.
Began Business: 10-14-1939

ASSETS

Cash, balances with other banks, and cash items in process of collection .. $
United States Government obliga-
tions, direct and guaranteed ..... . Obligations of States and political
subdivisions .................... .
Securities of Federal agencies and
cuo.rsp.o.r.a.t i.o.n.s. .n.o. t. . .g.u.a.r.a. n. .t e. .e.d. . .b y.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures,
and other assets representing bank
premises ....................... Real estate owned other than bank
premises ... ,_ ................... .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .

658,997.12 756,153.33 401,453.08
350,000.00 None
3,058,842.48
40,000.00 43,395.97
None 8,830.00

~----
Total Assets .................. $ 5,317,671.98

LIABILITIES
Demand deposits ................. $ Time and savings deposits ........ . Deposits of U.S. Government ..... . Del?o:o;i_ts of States and political sub-
dtvtsions ....................... . Deposits of banks .............. Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances Pxecuted by or for ac-
count of this bank and outstanding ................... OthPr liabilities ........ Capital notes and debentures ....... . Preferred stock ................ . Common stock ................. Surnlus ........................ Undivided profits ............... Reserves ...............

1,616,034.89 2,451,114.85
29,247.40
801,680.44 7,772.87 36.912.93 None
None 31,678.08
None None 125,000.00 125,000.00 93,230.52 None

Total Liabilities ............... $ 5,317,671.98

STATEMENT

Showing condition at the close of business December 31, 1965, of

CITIZENS STATE BANK Alma (Bacon), Ga.

As called for by the Superintendent of Banks

H. T. LEE, President.
Date of Charter: 4-2-1951

ALBERT A. PITTS, Cashier.
Began Business: 5-1-1951

ASSETS
~Cash balances with other banks, and cash items in process of collectio_n .. $
United States Government obligations direct and guaranteed ..... .
Obligations of States and political subdivisions ....................
Securities of FPderal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises. furniture and fixtures, and other assets representing bank prerrllses .....................
Real estate owned other than bank premises ......................
Customers' liability to this bank on acceptances outstanding .......
Other assets .....................

747,676.86 565,347.50 395,755.96
400,000.00 None
I ,562,853.95
59,760.59 64,028.65
None None

Total Assets . . . . . . . . . . . . . . . . . . $ 3,795,423.51

LIABILITIES
Demand deposits .............. $
Time and savings deposits ........ Deposits of U. S. Government ... Def?o~i~s of States and political sub-
divisions ....................... . Deposits of banks ................ Certified and officers' checks, etc.... Other liabiliti"s for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ....................... Other liabilities .................. . Capital notes and debentures ....... . Preferred stock ....... Common stock .. Surplus ......................... Undivided profits ............. Rcs"rves .......................

1,250,574.68 1,673,671.32
8,540.49
471,571.33 10,000.00 6,079.92 None
None 71,858.14
None None !00,000.00 100,000.00 23,127.63 80,000.00

Total Liabilities ............... $ 3,795,423.51

8

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

CITIZENS BANK OF ALPHAREITA Alpharetta (Fulton), Ga.

As called for by the Superintendent of Banks

RALPH H. Kl'RBY. President.
Date of Charter: 2-6-1920

WENDELL N. MOSS, Cashier.
Began Business: 4-12-1920

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obliga tions, direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including over-
drafts ............ . ... Bank premises, furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .

569,325.64 1,180,329.70
88,178.06
300,343.75 None
2,401,514.87
128,494.46 None None
18,743.10

Total Assets .................. $ 4,686,930.38

LIABILITIES
Demand deposits .................. $ Time and savings deposits ........ . Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ....................... . Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptanct"s executed by or for ac-
count of this bank and outstanding .......................... Other liabilities .................. . Capital notes and debentures ....... . Preferred stock ................ . Common stock ................. . Surplus ......................... . Undivided profits ................ . Reserves .........................

1,760,594.77 1,761,577.65
74,973.72
352,496.15 150,000.00 116,541.26
None
None 135,746.83
None None 150,000.00 100,000.00 50,000.00 35,000.00

Total Liabilities ............... $ 4,686,930.38

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE BANK OF COMMERCE Americus (Sumter), Ga.

As called for by the Superintendent of Banks

HENRY L. COLLIER,
President. Date of Charter: 10-13-1891

J. R. BUCHANAN, JR., Cashier.
Began Businesa: 1-2-1892

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 1,960,874.19

United States Government obliga-

tions, direct and guaranteed ..... . 1,948,987.69

Obliga~i<;n"!s of States and political

subdJVISIODS ....... , .... , , . , . , .. . 2,321,692.30

Securities of Federal agencies and

corporations not guaranteed by

Otuh.esr. securities,corporatestocksand

199,600.00

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts ......................... . 4,149,942.84

Bank premises, furniture and fixtures:.

and other assets representing bank

premises ....................... .

160,865.11

Real estate owned other than bank

premises .......................

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other assets ..................... . - - - -No-ne

Total Assets .................. $ 10,741,962.13

LIABILITIES
Demand deposits .................. $ Time and savin~s deposits ........ . Deposits of U. S. Government ..... . D('~o~i.ts of States and political sub-
dtvisJons ....................... D:-posits of banks ................ . Certifit'd and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin.~ .......................... Other liabilities .................. . Caoital notes and debentures ....... . Preferred stock ................ . Common stock ................. . Surnlns ......................... . Undivided profits ................ Reserves .................

4,709,346.00 2,534,22"2.62
92,642.72
1,673,362. 73 379,981.98 19,773.01 None
None None None None 200,000.00 550,000.00 331,133.07 251,500.00

Total Liabilities .......... $ 10,741,962.13

FORTY-SIXTH ANNUAL REPORT

9

STATEMENT Showing condition at the close of business December 31, 1965, of
CITIZENS BANK OF AMERICUS Americus (Sumter), Ga.
As called for by the Superintendent of Banks

S. R. HUNTER, President.
Date of Charter: 2-20-1937

M. E. FERGUSON, Cashier.
Benn Business: 3-25-1937

ASSETS

Cash balances with other banks, and cas'h i terns in process of collection .. $
United States Government obliga~
tions, direct and guaranteed .... : ..

1,672,875.17 1,920,567.06

Obligations of States and pohttcal subdivisions .................... . 1,525,642.68

Securities of Federal agencies and

corporations not g u a rant e e d by
u.s.
Other securities, corporate stocks and

400,000.00

stock in Federal Reserve Bank ....

None

Loans and discounts, including overdrafts ...............
Bank premises, furniture and fixtures,

5,661,364.69

and other assets representing bank premises .....................

142,744.61

Real estate owned other than bank premises .....................

None

Customers' liability to this bank on

acceptances outstanding ........ .

Kane

Other assets ..................... .

24,646.94

-----

Total Assets .................. $ 11,347,841.15

LIABILITIES
Demand deposits ........... $ Time and savings deposits ........ Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ....................... . Deposits of banks .......... ...... . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ....... Other liabilities .................. . Capital notes and debentures ....... .
Preferred stock .. o. o. o. o. o. o.
Common stock ..... 0 0 0 Surplus ....... o o o. o Undivided profits ........ Reserves ... , . , ........ 0 o

6,141,497.21 2,236,228.81
200,853.95
1,908,638.17 None
3,778.36 X one
None 68,000.00
None None 200,000.00 300,000.00 131,844.65 157,000.00

Total Liabilities ............. $ 11,347,841.15

STATEMENT

Showing condition at the close of bus'iness December 31, 1965, of

BOSTWICK BANKING COMPANY Arlington (Calhoun), Ga.

As called for by the Superintendent of Banks

W. E. BOSTWICK, President.
Date of Charter: R-27-1935

CARL CLEMENTS, Cashier.
Began Business: 3-1-1936

ASSETS
Cash, balances with other banks. and Cf\sh i terns in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securi tics of Federal agencies and
uc o.rsp.o.r.a.t i.o.n.s. .n.o.t. .g. .u.a.r.a. n. .t.e.e.d. . .b y.
Other securities, corporate stocks and <;tack in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises o o o o o o.
Real estate owned other than bank premises .......... o
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets ....... $

267,225.97 662,891.22
None
100,000.00 None
714,511.53
794.8J None None None 1,745,423.52

LIABILITIES
Demand deposits .... $
Time and savings deposits ...... Deposits of U. S. Government ..... .
Ddi~f~I~n~f. ~~~:e.s. a-~~. :~:i~i'c'a'l' ~~~~

Deposits of banks ... o

Certified and officers' checks, etc....

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing ........... o

Other liabilities . o ................ .

Capital notes and debentures .... o o

Preferred stock ...... o

Comnton stock o o o

Surplus

. o. o o

Undivided profits ..............

Reserves .. o

1,098,384.71 206,417.01 5,389.41
249,286.27 None None None
None 18,500.00
None None 50,000.00 90,000.00 11,637.28 15,808.84

Total Liabilities ....... $ 1,745,423.52

10

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

ASHBURN BANK Ashburn (Turner), Ga.

As called for by the Superintendent of Banks

H. C. BARBER, JR., President.
Date of Charter: 7-3-1900

GILBERT D. BRANCH, Cashier.
Began Business: 7-1900

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 369,648.29

United States Government obliga-

tions, direct and guaranteed ..... .

846,991.50

Obligations of States and political subdivisions .................... .

881,555.28

Securities of Federal agencies and

corporations not guaranteed by
u.s.
Other securities, corporate stocks and
stock in Federal Reserve Bank ....

None :Kone

Loans and discounts, including overdrafts ....................... 3,815,199.33

Bank premises, furniture and fixtures,

and other assets representing bank premises ....................... .

52,141.75

Real estate owned other than bank premises ....................... .

1'\onc

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets ...................... ____1_.9_0_0_.6_0

Total Assets .................. $ 5,967 ,436. 75

LIABILITIES
Demand deposits .................. $ Time and savings deposits ........ . Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ................... o. o Deposits of banks ................ Certified and officers' checks, etc.. o Other liabilities for borrowed money. Acceptances executed by or for ac-
~ount of this bank and outstand-
In~ . . . . . . . . . . . . . . . . . . . . . .
OthPr liabilities .............. o. o Capital notes and debentures ....... .
Preferred stock ................ . Comn1on stock ......... o o Surplus ............... , ... , . , ... . Undivided profits ....... 0 Reserves ...................... , .. o

2,238,531.35 2,564,872.24
35,624.42
549,245.66 10,000.00 41,038.53 None
None 81,601.13
None None 150,000.00 150,000.00 146,523.42 None

Total Liabilities ............... $ 5,967,436.i5

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE CITIZENS BANK OF ASHBURN Ashburn (Turner) , Ga.

As called for by the Superintendent of Banks

JAMES H. PATE, President.
Date of Charter: 7-27-1905

GREER MONROE, Cashier.
Began Business: 10-25-1905

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obliga~
tions. direct and guaranteed. . . . . . Obligations of States and political
subdivisions . . . . . . . . . . . . . . . . . . . . . Securities of Federal agencies and
corporations not guaranteed by U.S. . . . . . . . . . . . . . . . . .. . . . . . . . . . Other securities, corporate stocks and stock in Federal Reserve Bank.... Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . . Bank premises, furniture and fixtures, and other assets representing bank premises ..................'...... Real estate owned other than bank premises o o Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets ................. o....

468,310.2.2 772,290.63 263,685.82
None None 4.316.738.34
60,107.73 None None None

Total Assets .................. $ 5,881,132.74

LIABILITIES
Demand deposits . . . . . . . $ o Time and savings deposits ........ . Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ..... o o o. o Deposits of banks ................ . Certified and officers' checks, etc... o Other liabilities for borrowed momy. Acceptances executed by or for ac-
count of this bank and outstanding ..... o ,,, o. o Other liabilities ................. Capital notes and debentures ....... . Preferred stock o Common stock ........ o o o Surplus ............. 0 Undivided profits ................ . Reserves ....... o. o

2,113.868.58 2.856.974.34
15,263.89
227 ,5i6.51 None
4J.J05.09 225,000.00
None None None None 150.000.00 150,000.00 101,344.33 None

Total Liabilities ............... $ 5,881,132. 74

FORTY-SIXTH Al'<NUAL REPORT

II

STATEMENT

Showing condition at the close of business December 31, 1965, of FIRST AMERICAN BANK AND TRUST COMPANY Athens (Clarke), Ga.

As called for by the Superintendent of Banks

CLARENCE R. McLANAHAN, President.
Date of Charter: 9-24-1949

SHELBY M. CALLOWAY,
Cashier. Began Business: 11-1-1949

ASSETS
Cash. balances with other banks, and cash items in process of collection .. $
United States Government obliga-
tions, direct and guaranteed ..... . Obligations of States and political
subdivisions .................... . Securities of Federal agencies and
corporations not guaranteed by
u.s...........
Other securitit:'s) corporate stocks and stock in Ft>deral Reserve Bank ....
Loans and di~counts, including overdrafts ......................... .
Bank premises, furniture and fixtures.
and othPr assets rcprcS(:'nting bank premises ....................... . Real estate owned other than bank
premises ....... , ............... . Customers' liability to this bank on
acceptances outstanding ........ . Other assets ..................... .

i61,311.41 813,04l.i9 808,839.66
459,853.28 None
3,960,745.60
94,408.19 None None
9,786.69

Total Assets .................. $ 6,907,986.62

LIABILITIES
Demand deposits ............... , . $ Time and savings deposits ........ Deposits of U. S. Go\'ernmcnt ..... . Deposits of States and political sub-
divisions ....................... . D('posits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ................. Other liabilities ................. Capital notes and debentures ....... . Preferred stock .......... o Common stock ................ . Surplus ......... o o o o o Undivided profits ............... ..
R('S('fV('S

2,548,426.20 2,067,166.65
60,321.51
1,308,169.24 159,941.86 23,509.51 None
None 238,309.23
None None 125,000.00 275,000.00 102,142.42 None

T ota1 Liabilities . . . . . . . . . . . . . . $ 6,907,986.62

STATEMENT Showing condition at the close of business December 31, 1965, of
AMERICAN BANK OF ATLANTA Atlanta (Fulton), Ga.
As called for by the Superintendent of Banks

S. H. WILLS, President.
Date of Charter: 12-5-1934

ALEX M. STEWART, Cashier.
Began Business: 1-1-1935

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ....... , . , . , ............. .
Bank premises, furniture and fixtures, and other assets representing bank premises o o o o o. o o o.
Real estate owned other than bank premises ... o o o o. o o o o
Customers' liabilitv to this bank on acceptances outstanding ........ .
Other assets ....... o o o
Total Assets ............ $

1,297,346.30 1,949,052.88
None
None None 4,122,375.09
96,844.64 NCJne None
69,227.89 7,534,846.80

LIABILITIES

Demand deposits ....... $
Time and savings deposits o. o o o. o Deposits of U. S. Government ..... . Deposits of States and political sub~

divisions ... o Deposits of banks ................ .

Certified and officers' checks, etc... .

Other liabilities for borrowed money. Acceptances executed by or for ac-

count of this bank and outstand-

ing ............... o o o. o Otber liabilities ............ Capital notes and debentures ....... .

Preferred stock ................ .

Common stock . o o o o Surplus .. , .... , ............... , .
Undivided profits ............

Reserves

o o. o. o o o. o o.

2,847,019.45 L/58.948.:\6
41,446.17
1,479,292.08 )0,393.42 122,00i.48 None
None 1i7,863.97
None None 270,000.00 i47,000.00 80,875.67 None

Total Liabilities ............... $ 7,534,846.80

12

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

CITIZENS TRUST COMPANY Atlanta (Fulton), Ga.

As called for by the Superintendent of Banks

L D. MILTON, President.
Date of Charter: 7-12-1921

M. W. HOUSTON, JR. Cashier.
Besran Business: 8-17-1921

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed .... ,
Obli~ations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixturf's, and other assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ...................

2,610,512.19 1,959,963.96 2,928,163.47
705,786.68 60,800.00 6,014,680.84
61,317.47 177,048.50
None 67,074.85

Total Assets .................. $ 14,585,347.96

LIABILITIES
Demand deposits .................. $
Time and savings deposits ...... Deposits of U. S. Government .... Deposits of States and political sub-
divisionS ................. Deposits of banks ........ Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
~ount of this bank and outstand-
In~ .....................
Other liabilities .. , ... , .... , .... Capital notes and debentures ....... .
Prcff'rred stock ..... , ......... Common stock ............... Surplus .................... , .... Undivided profits .............. Reserves .............. , .. , ...

5, 762,057.18 5,791;705.71
175!087.11
555,763.64 170,559.48 183,918.92
None
None 327,162.49
None None 575,000.00 785,000.00 203,945.36 55,148.05

Total Liabilities ............... $ 14,585,347.96

STATEMENT

Showing condition at the close of business December 31, 1965, of

GEORGIA SAVINGS BANK AND T).tUST COMPANY Atlanta (Fulton), Ga.

As called for by the Superintendent of Banks

JOHN E. OLIVER, President.
Date of Charter: 10-26-1889

R. E. GORMLEY Vice President.
Began Business: 9-1-189~ _

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed......
Obligations of Statt.'s and political subdivisions . . . . . . . . . . . . . . . . . . . . .
Securities of Federal agencies and corporations not guaranteed by U.S. . . . . . . . . . . . . . . . . . . . . . . . . . . .
Other securitit.'Sl corporate stocks and stock in Federal Reserve Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtures, and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . .

742,926.67 3,496,840.92
2,314,~91.15
None 734,396.96 10,876,916.94
75,001.00 None None None

Total Assets .................. $ 18,240,473.64

LIABILITIES
Demand deposits .............. $ Time and saYings deposits ..... Deposits of U. S. Government ..... Deposits of States and political sub-
divisions .................. Deposits of banks ............ Certified and officers' checks. etc... Other liabilities for borrowed monPy. Accpptances executed by or for ac-
count of this bank and outstanding ........................ Other liabilities .. Capital notes and debc:-ntures ....... Preferred stock ........... Common stock ......... Surplus ................... Undivided profits .............. Reserves ...... , ..... , , .......

108,818.47 12,915,682.75
11,959.03
537,989.92 180,000.00
5,033.00 None
None 11,002.05
None None 500,000.00 1,000,0011.00 419.473.75 2,550,514.67

Total Liabilities ............... $ 18,240,473.64

FORTY-SIXTH ANNUAL REPORT

13

STATEMENT

Showing condition at the close of business December 31, 1965, of
THE PEOPLES BANK Atlanta (Fulton), Ga.

As called for by the Superintendent of Banks

T. -B. McLEOD, President.
Date of Charter: 8-13-1935

W. M. CARSON, Cashier.
Began Business: 8-31-1935

ASSETS
Cash, balances with other banks, and cash items in process of collectio_n .. $
United States Government obliga-
tions, direct and guaranteed..: .. Obligations of States and poht1cal
subdivisions .................... . Securities of Federal agencies and
corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ................. , ....... .
Bank premises, furniture and fixtures,
and other assets representing bank premises .......................
Real estate owned other than bank premises ................
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

1,321,427.77 1,966,140.08
859,402.58
901,198.72 None
7,178,344.02
87,583.18 None None
44,409.74

Total Assets .................. $ 12,358,506.09

LIABILITIES

Demand deposits ... , .... , , , . $ Time and savings deposits .......
Deposits of U. S. Government ..... .
Deposits of States and political subdivisions ....................... .
Deposits of banks ........ o. o o o
Certified and officers' checks, etc.. o o Other liabilities for borrowed money.
Acceptances executed by or for account of this bank and outstand-

ing

. oooooo.

Other liabilities o o o o o o o o o o o

Capital notes and debentures ....... .

Preferred stock . o

Common stock . o. o. o o o o o. o.

Surplus ......................... .

Undivided profits o o o. o.

Reserves ...... o o. o. o. o. o

4,599,127.98 5,958,663.94
155,685.93
300,000.00 20,000.00 9,877.21 None
None 136,043.57
None None 400,000.00 200,000.00 58,139.76 520,967.70

Total Liabilities ..... , . , , .. , .. $ 12,358,506.09

STATEMENT

Showing condition at the close of business December 31, 1965, of SOUTH SIDE ATLANTA BANK Atlanta (Fulton), Ga.
As called for by the Superintendent of Banks

B. H. THOMPSO:N, President.
Date of Charter: 1-31-1912

J. W. WELLONS, Cashier.
Besran Business: 7-1-1929

ASSETS
Cash, balances wan other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed .. o o
Obliga~i?J?-S of States and political subdiVISIOllS , . , . , . . . . . . . o ,
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,corporatestocksand
<;tock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixtures,
and other assets representing bank premises o o o Real estate owned other than bank premises ..... o o o. o o. o o. o. o Customers' liability to this bank on acceptances outstanding . o. o Other assets ..................... .

1,583,605.62 3,916,512.61
747,341.12
25,000.00 None
7,717,637.39
179,396.97 None
18,428.16 14,351.05

Total Assets , , , , , , , , . , , . , , .. $ 14,202,272.92

LIABILITIES

Demand deposits ................. $

Time and savings deposits o o o

Deposits of U. S. Government o. o o

Deposits of States and political sub-

divisions ... o. o. o

Deposits of banks ................ .

Certified and officers' checks, etc... .

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

1ng . . . . . . . . o o

Other liabilities ..... o o. o ... o ..... .

Capital notes and debentures ....... .

Preferred stock ..............

Common stock .. o o o. o.

Surplus ............... o. o. o

Undivided profits ................ .

Reserves

o. o. o o

5,186,132.38 5,963,972.73
125,891.48
1,160.000.00 272,553.59 135,514.17 None
18,428.16 236,444.43
None None 350,000.00 350,000.00 220,303.23 183,032.75

Total Liabilities , . , .... , $ 14,202,272.92

14

DEPARTMENT OF BANKIKG

STATEMENT

Showing condition at the close of business December 31, 1965, of

TRUST COMPANY OF GEORGIA Atlanta (Fulton), Ga.

As called for by the Superintendent of Banks

AUGUSTUS H. STERNE. President.
Date of Charter 9-21-1891

STEVE H. BOMAR, Exec. V. Pres. & Treas. Began Business: 11-8-1891

ASSETS

Cash, balances with other banks, and cash items in process of collection .. $ 91,485)54.98
United States Government obliga-
tions, direct and guaranteed...... 48,220,900.92 Obligations of States and political

subdivisions . . . . . . . . . . . . . . . . . . . . . 34,713,752.29

Securities of Federal agencies and

corporations not guaranteed by

0~u~.s~.k5 j~ur~~d~~:tW~~ear~esif~!k. ~~~

None 1,075,000.00

Loans and discounts, including over-

drafts ......................... 248,125,263.22 Bank premises, furniture and fixtures,

and other assets representing bank

premises ................. Real estate owned other than bank

7,105,539.66

premises ..................... Customers' liability to this bank on

NOne

acceptances outstanding ........ .

899 ,4'J9 .16

Other assets ..................... . 3,699,237.31

Total Assets .................. $435,324,907.54

LIABILITIES

Demand deposits ................. . $158,715,973.04

Time and savings deposits ........ . 100,169,132.46

Deposits of U. S. Government ..... . 7,540,792.47

Deposits of States and pplitical sub-

divisions ....................... . 33,824,298.47

Deposits of banks ................ 41,982,405.33

Certified and officers' checks, etc.... 6,465,154.07

Other liabilities for borrowed money. 31.000,000.00

Acceptances executed by or for ac-

count of this bank and outstand-

in~ ........................... .

899,459.16

Other liabilities .................. . 12,549,770.76

Capital notes and debentures....... .

None

Preferred stock ................ .

None

Comn1on stock ................. . 10,800,000.00

Surplu~ ......................... . 24.200,000.00

Undivided profits ................ . 3,800,336.86

I~cscrvrs ......................... . 3,377,584.92

Total Liabilities .............. $435,324,907.54

STATEMENT

Showing condition at the close of business December 31, 1965, of

TRUST COMPANY OF GEORGIA BANK OF DeKALB Atlanta (DeKalb), Ga.

As called for by the Superintendent of Banks

I. M. AIKEN, JR., President.
Date of Charter: 4-14-1965

J. W. KENNEDY, JR.,
Cashier. Began Business: 4-15-1965

ASSETS
Cash, balancl:'s with other banks, and
cash items in process of collection .. $
United States Government obligations. direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,corporatestocksand
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, 'furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .

872,254.78 2,076,448.08 1,058,940.19
200,000.00 None
5,659,187.48
193,661.24 None Nonf'
35,294.38

Total Assets .................. $ 10,095,786.15

LIABILITIES
Demand deposits .. , ... $ Time and savings deposits .... Deposits of U. S. Government ..... Deposits of States and political sub-
divisions ................ Deposits of banks ..... Certified and officers' checks, etc... Other liabilities for borrowed money.
Acceptances executed by or for account of this bank and outstandin~ .............
Other liabilities .........
Capital notes and debentures ....... .
Preferred stock ...... Common stock ... Surplus ................... Undivided profits ................ . Reserves ...........

5,308.677.95 3,271,538.42
160,327.59
225.000.00 None
24,453.58 None
None 317,647.37
None None 225,000.00 275.000.00 267,161.01 20,980.23

Total Liabilities ............... $ 10,095,786.15

FORTY-SIXTH ANNUAL REPORT

15

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE CITIZENS STATE BANK OF AUGUSTA Augusta (Richmond), Ga.

As called for by the Superintendent of Banks

. TRAVIS F. STARR, President.
Date of Charter: 8-29-1904

TRAVIS F. STARR, Cashier.
Began Business: 3-30-1964

ASSETS

Cash, balances with other banks, and cash items in process of collection .. $
United States Government obliga-

344,642.84

tions, direct and guaranteed ..... . Obligations of States and political
subdivisions .................... . Securities of Federal agencies and
corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Fedt'ral Reserve Bank ....
Loans and discounts, including over-
drafts ............... . Bank premises, furniture and fixtures,
and other assets representing bank

395,592.60 None
None None 1,350,077.65

premises ....................... Real estate owned other than bank
premises ....................... Customers' liability to this bank on
acceptances outstanding . . . . . . . . .

133,356.16 None l\r one

Other assets ...................... _ _ _1_2_,2_7_2_._68

Total Assets .................. $ 2,235,941.93

LIABILITIES
Demand deposits ............. $ Time and savings deposits ........ . Deposits of U. S. Government ..... Deposits of States and political sub-
divisions ....................... . Deposits of banks ................ Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outs tanding ................. Other liabilities ... Capital notes and debentures ....... . Preferred stock ................ Common stock ............... Surplus ......................... . Undivided profits ............... Reserves ...........

899,408.34 509,858.57 76,722.47
344,169.50 None 106.84 None
None 72,125.03
None None 175,000.00 100,000.00 58,551.18 None

Total Liabilities ............... $ 2,235,941.93

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE COMMERCIAL & SAVINGS BANK OF AUGUSTA Augusta (Richmond), Ga.
As called for by the Superintendent of Banks

BENNETT A. BROWN, President.
Date of Charter: 12-23-1933

LOYD L. SMITH, Cashier.
Began Business: 12-23-1933

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obli15ations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by U.S........................... .
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including over-
drafts ............. Bank premises, furniture and fixtures,
and other assets representing bank prt"mises ....................... Real estate owned other than bank premises ....................... Customers' liability to this hank on acceptances outstanding ........ . Other ass(ts .....................

499,355.66 2,914,239.80 1,007,878.05
Konc 3.00
7,280,008.34
34,706.00 55,041.66
None 49,276.41

Total Assets .................. $ 11,840,508.92

LIABILITIES
Demand deposits ................. $ Time and savings deposits ........ Deposits of U.S. Government ..... Depo<;its of States and political sub-
divisions ....................... . Deposits of banks .............. Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances exe-cuted by or for ac-
count of this bank and outstanding ........................... . Other liabilities .................. Capital notes and debf'ntures ....... Preferred stock ...... Common stock ....... Surplus ......................... Undivided profits ............. Reserves .......................

1,091,574.31 7,721,603.97
4,164.69
1,149,014.94 235,000.00 17,111.90 None
None 140,249.68
None None 500,000.00 300,000.00 231,789.43 450,000.00

Total Liabilities .............. $ 11,840,508.92

16

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

GEORGIA RAILROAD & TRUST COMPANY Augusta (Richmond), Ga.

As called for by the Superintendent of Banks

SHERMAN DRAWDY, President.
Date of Charter: 11-16-1892

W. T. ROX, Cashier.
Began Business: 12-31-1892

ASSETS

Cash balances with other banks, and

cas'h itPms in process of collectio,n .. $ 20,929,159.93 United States Government obliga-

tions, direct and guaranteed .... : .. 19,947,340.67 Obligations of States and poht1cal

subdivisions .................... . 13,130,045.35 Securities of Federal agencies and

cuo.rso.o.r.at.i.o.n.s..n.o.t...g.u.a.r.a.n..te..e.d.. b..y
Other securitif'S, cornorate stock"! and

I\'" o n e

stock in FPderal Reserve Bank .... Loans and discounts, including over-

252,018.00

drafts ......................... . 57,401,327.00

Bank premises, furniture and fixtures.

and other assets representing bank

premises ...................... Real estate owned other than bank

2,261,747.70

premises .....................

74,003.80

Customers' liability to this bank on

acceptances outstanding ......

38,721.20

Other assets ....................

835,920.41

Total Assets .... ' ........ .... $114,870,284.06

LIABILITIES

Demand deposits .................. $ 33,5H:J,976.12

Time and savings deposits . . . . . . 39,266.682. iO

Deposits of U. S. Government . . . . . . 1,262,399.21

Deposits of States and political sub-

divisions ..................... 17,821,545.73

Deposits of banks ........... 8,546,254.79

Certified and officers' checks, etc...

347,555.33

Other liabilities for borrowed money.

1\onc

Acceptances executed by or for ac-

count of this bank and outstand-

ing ..............

38,721.20

Other liabilities .................. 5,878,843.80>

Capital notes and debentures ....... .

None

Preferred stock ...............

None

Common stock . . . . . . . . . . . . . . . . . . 3,7~0,000.00

Surplus ......................... . 3,750,000.00

Undivided profits ...........

618,:JII'i.l3

Reserves ..................

None

Total Liabilities .............. , $114,870,284.06

STATEMENT

Showing condition at the close of business December 31, 1965, of

METROPOLITAN STATE BANK Augusta (Richmond), Ga.

As called for by the Superintendent of Banks

FELTON DUNAWAY,
President. Date of Charter: 1-14-1963

JOHN C. JORDAN, Cashier.
Began Business: 2-11-1963

ASSETS
Cash, balancPs with other banks. and cash itcms in nrocess of collection .. $
United States Government obligations, direct and guaranteed ..... .
Oblig-ations of States and political subdivisions ...................
Securities of Federal agencies and cornorations not gua;an teed by
u.s.
Othf'r securities. cornorate stock" and stock in Frderal RPserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtnres, and ?ther assets repres('nting bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets .....................
Total Assets .................. $

398,368.37 519,240.09
?\one
None None 1,609,575.13
86,606.50 None None
24,520.94 2,638,311.03

LIABILITIES
Demand deposits ...........$ Time and savin~s deposits ........ Deposits of U. S. Government ..... Deposits of States and political sub-
divisions ..................... Dcposit.s of banks .......... , ... Certifit>d and officers' checks, etc.... OthPr liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ........................... Other liabilities .................. Capital nott>s and debentures ....... . Prf'ferred stock ..... , .... , .... Common stock .............. Surplus ...................... , .. . Undivided profits ............... RPserves ....................

1,062,071.63 766,126.69 8,962.28
4:,9,356.54 Non(' 3.87 None
~one
72,127.66 I\'" o n e None
200,000.00 50.000.00 19,662.36
XonL'

Total Liabilities ............... $ 2,638,311.03

FORTY-SIXTH ANNUAL REPORT

17

STATEMENT

Showing condition at the close of business December 31, 1965, of

RICHMOND COUNTY BANK Augusta {Richmond), Ga.

As called for by the Superintendent of Banks

BARNEY L. JORDAN, President.
Date of Charter: 5-25:1955

HENRY B. McNORRILL, Cashier.
Began Business: 11-18-1955

ASSETS
Cash, balances with other banks, and cash items in process of collt>ction. -$
United States Government obligations, direct and guaranteed ..... .
Obliga~i?~s of States and political
SubdJVISlOllS , , , , , . , , , , , , , , , ,
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, coruorate stock<; and stock in Fl"deral Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank prr-mises, furniture and fixtures. and other assets representing bank
premises ....................... Real estate owned other than bank
premises ....................... . Customers' liability to this bank on
acceptances outstanding ........ . Other assets ..................... .

746,698.91 776,134.12 313,889.26
None None 2,216,217.83
119,782.94 None None
22,656.11

Total Assets .................. $ 4,195,379.17

LIABILITIES
Demand deposits .... $ Time and savings deposits Deposits of U. S. Government ..... .
Ddi~i;J~n~f. ~~~~es .a.~~ . ~~~i~~cal ~~~:
Deposits of banks ............
Certified and officers' checks, etc.. o.
Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding . Other liabilities . Capital notes and debentures ....... . Preferred stock . Common stock ... Surplus ... Undivided profits . Reserves .......

1,272, 781.95 997,381.85 16,870.45
504,791.94 750,104.36
65,620.09 None
None 180,151.39
None None 200,000.00 100,000.00 32,677.14 75,000.00

Total Liabilities ............... $ 4,195,379.17

STATEMENT

Showing condition at the clos~ of business December 31, 1965, of

AUSTELL BANK Austell (Cobb), Ga.

As called for by the Superintendent of Banks

.ROBT. H. DUNLAP,
President. Date of Charter: 1-3-1910

WALTER M. MILLS, Cashier.
Began Business: 1-10-1910

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obliga~i?J!S of States and political SubdiVISIOnS . , , , , , o , , , , , , , ,
Securities of Federal agencies and
cuo.rsp.o.r.a.t i.o.n.s. .n.o.t. .g. .u.a.r.a.n. .t e. .e.d. . .b y.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises
Real estate owned other than hank premises .....
Customers' liability to this bank on acceptances outstanding ........
Other assets ....................

985,990.97 2,559, 757.38 1,062,201. 79
50,044.75 None
4,866,026.21
287,353.55 4,637.18 None
104,867.29

Total Assets .. $ 9,920,879.12

LIABILITIES
Demand deposits $ Time and savings deposits Deposits of U. S. Government . o o
Ddi~i~J~n~f. ~~~~es .a.~~ ~~~i~~cal ~~~:
Deposits of banks .. o o
Certified and officers' checks, etc .. o.
Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ...... o o. o o Other liabilities . Capital notes and debentures ....... . Preferred stock ............ Common stock ..... Surplus ................ Undivided profits ...... Reserves ...

4,414,733.45 3,340,952.44
123,804.78
1,009,095.47 10,000.00 6,515.50 None
None 274,607.02
None None 250,000.00 300,000.00 191,170.46 None

Total Liabilities ... $ 9,920,879.12

18

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of busiDI'<< December 31, 1965, of

THE CITIZENS AND SOUTHERN DeKALB BANK Avondale Estates (DeKalb), Ga.

As called for by the Superintendent of Banks

W. D. SKINNER, President.
Date of Charter: 11-16-1948

BERT FLOYD Cashier.
Began Business: 8-18-1949

ASSETS

Cash, balances with otht"r b<'lnks. and
cash itPms in urocess of collection .. $ 2,2::8,495.37

United States Government obliga-

tions. direct and g-uaranteed ..... . Obli~a~i?I!S of States and political

2,304,041.77

subdiVISIOTIS , , ,

1,050,361.48

Securities of Federal agencies and

cuo.rso.o.r.a t.i.o.n.s. .n.o.t. . .g.u.a.r.a.n. .t e. e. .d. . b. y.

None

Other securities, coroorate stocks and

stock in FPderal Reserve Bank ....

1,710.00

Loans and discounts, including over-

drafts ......................... . 4,662,235.82

Bank premises, furniture and fixtures.

and other assets representing bank

premises ....................... .

173,605.24

Real estate owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets ...................... _ _ _7_9.:_,4_1_4_._31

Total Assets .................. $ 10,499,863.99

LIABILITIES
Demand deposits ................ $
Time and savings deposits ....... o Deposits of U. S. Government o o o o Deposits of States and political sub-
divisions o o o o o o o o Deposits of banks ........... , , . , Certified and officers' checks, etc... o Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ............ o o Other liabilities . o o o o o 0 0 Capital notes artd debentures ....... . Preferred stock ...... o o 0 Common stock . o o o Surplus ......................... . Undivided profits ................ . Reserves ....... o o o o o o

5,032,062.09 3, 706,221.38
122,976.73
237,290.96 None
53,645.02 None
None 596,368.24
None None 300,000.00 200,000.00 45,650.49 205,649.08

Total Liabilities ......... , .. $ 10,499,863.99

STATEMENT

Showing condition at the close of business December 31, 1965, of THE CITIZENS BANK AND TRUST COMPANY Bainbridge (Decatur), Ga.
As called for by the Superintendent of Banks

E. F. VICKERS, President.
Date of Charter: 11-8-1911

LEON D. CULVERSON, Cashier.
Began Business: 12-19-1911

ASSETS
Cash, balances with other banks, and
cash items in process of collection. o $
United States Government obligations, direct and guaranteed ..... .
Obliga~i?l!S of States and political subdiVISIOns . , ..... , .. , , , ... , , ...
Securities of Federal agencies and corporations not guaranteed by U.S........................... .
Other securities, corporate stocks and stock in FPderal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises .................. o
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

1,570,134.99 2,540,4 78.96
335,467.50
160,093.75 111,250.00 3,010,264.71
81,032.0i None None
30,103.80

LIABILITIES
Demand deposits .................. $
Time and savin~s deposits o o o o Deposits of U. S. Government . o o Deposits of States and political sub-
divisions .......... o. o o o o. o o Deposits of banks ... o. o. o o o o Certified and officers' checks, etc..... Other liabilities for borrowed momy. Acceptances executed by or for ac-
count of this bank and outstandin~ . . . . . . . . . . . . . . . . . . o o Other liabilities . , ... , ... , Capital notes and debentures ....... . Preferred stock .......... o Common stock ....... o o o Surplus .......... o o. o o. o Undivided profits ............... .. Reserves ............... o o o.

3,375,564.18 2 628,117.48
53,666.59
I ,070,817.24 178,309.55 8,029.19 None
None 97,819.30
None None 200,000.00 17o,OOO.OO 51,501.65 None

______ _ _ _ _ _ _ _ _ _ _ _ _ _ __ Total Assets .................. $ 7,838,825. 78 ..:.____

Total Liabilities ............... $ 7,838,825. 78

FORTY-SIXTH ANNUAL REPORT

19

STATEMENT Showing condition at the close of business December 31, 1965, of
CITIZENS BANK Ball Ground (Cherokee), Ga. As called for by the Superintendent of Banks

B. R. JONES, President.
Date of Charter: 9-28-1926

SAMUEL A. LAW, Cashier.
Began Business: 10-1-1926

ASSETS
Cash, balances with other banks, and cash itPms in process of collection .. $
United States Government obligations, dircct and guaranteed......
Obli~ations of States and political subdivisions . . . . . . . . . . . . . . . . . . . . .
St>curities of Federal agencies and
cuo.rsp.ora.t.i.o.n.s. .n.o. t. . .g.u.a. .r.a.n.t.e.e.d. . .b.y.
OthPr securitiPs, corporate stocks and stock in Federal RPsene Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniturp and fixtures,
and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . . Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . . Customers' liability to this bank on acc('ptanccs outstanding . . . . . . . . . Other assets . . . . . . . . . . . . . . . . . . . . . .

200,917.28 789,108.31 103,278.30
260,074.66 None
732,244.14
18,656.88 500.00 None None

Total Assets .................. $ 2,1C4,779.57

LIABILITIES
Demand deposits .................. $ Time and savings deposits ........ . Deposits of U.S. Government ..... . Deposits of States and political sub~
divisions ....................... . Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ......................... Other liabilities ........... Capital notes and debentures ....... . Preferred stock ................ . Common stock ................. . Surplus ......................... Undivided profits ............... Reserves ..............

890,387.84 627,782.95
35,8'i9.46
235,580.98 None
3,874.95 None
None 22,615.00
None None 45,000.00 105,000.00 93.678.39 45,000.00

Total Liabilities . . . . . . . . . . . . . . . $ 2,104, 779.57

STATEMENT

Showing condition at the close of business December 31, 1965, of

BAXLEY STATE BANK Baxley (Appling), Ga.

As called for by the Superintendent of Banks

STATEN S. LEWIS, President.
Date of Charter: 8-23-1917

E. 0. BRANCH, Cashier.
Began Business: 8-25-1917

ASSETS
Cash, balances with other banks, and cash items in nrOC('SS of collection .. $
United States Government obligations. dir('ct and guaranteed ..... .
Obli~a~ic~n~s of States and political subdJvlsJons .................... .
Securitie'i of Federal agencies and coroorations not guaranteed by
u.s.
Other securities, corooratc stock<> and
stock in Ff'deral Re<;erve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixtnre~.
and other assets representing bank premises ....................... . Real f'state owned other than bank premises ....................... . Customers' liability to this bank on acc('ptances outstanding ........ .
Other assets ..................... .

990,460.11 1,54i,121.93
401,235.23
550.125.00
!'on~
2,0J3.462.34
33,363.29
1'\onf' 4,158.68

Total Assets .................. $ 5,579,926.58

LIABILITIES
Demand deposits ................. $ Time and savings deposits ........ . Deposits of U. S. Government ..... Depo<;its of States and political sub-
divisions ....................... . Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandIng ........................... . Other liabilities .................. . Capital notes and debentures ....... . Preferred stock ........... Common stock ......... Surnlus ......................... . Undivided profits .............. Reserves ......................... .

3,097,527.45 1,154,159.39
18,560.54
745,707.14 80,342.91 32.974.61
None
None 20,641.00
NonC' None 100,000.00 150.000.00 122,998.92 57,014.62

Total Liabilities .............. $ 5,579,926.58

20

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

BLACKSHEAR BANK Blackshear (Pierce) , Ga.

As called for by the Superintendent of Banks

LEO J. ALLEN, President.
Date of Charter: 7-7-1892

H. M. MOODY, Cashier.
Began Business: 7-7-1892

ASSETS
Cash. balances with other banks, and cash itf'ms in nrocess of collection .. $
United States Government obligations. direct and guarante!'d. . . . . .
Obliga!if!~S of States and political subdJVIsJOns . . . . . . . . . . . . . . . . . . . . .
Securities of Federal agencies and
cuo.rsn.ora.t.io. n. .s. .n.o.t. . .g.u.a. .ra. .n.t.e.e.d. . .b.y.
Other securitiPs, cornorate stock-. and stock in f..,.deral Reserve Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtnres.
and other assets reprcs'nting bank premises .. .. .. .. .. .. .. . .. .. .. .. . Real e<:tatt> owned other than bank
premises . . . . . . . . . . . . . . . . . . . . . . . . CustomPrs' liability to this bank on
acceptances outstanding . . . . . . . . . Other assets . . . . . . . . . . . . . . . . . . . . . .

730,375.71 1, 772,791.80
None
7,500.00 54,727.50 1,699,616.17
42,097.14 None :\"one None

Total Assets .. , .... , .......... $ 4,307,108.32

LIABILITIES
Demand deposits ......... , ........ $ Time and savings deposits ........ . Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ....................... . Deposits of banks ................ . Ct.'rtified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ........................ Othf.'r liabilities .................. . Capital notes and debentures ....... . Preferred stock ................ . Common stock .... o o Surolus ...... o Undivided profits ..... o Reserves .. o

1,486,049.61 1,589,839.88
18,926.33
296,872.97 222,532.62
7,766.80 300,000.00
None None None None 100,000.00 150,000.00 133,289.72 1,830.39

Total Liabilities ............. $ 4,307,108.32

STATEMENT

Showing condition at the close of business December 31, 1965, of

PEOPLES BANK Blackshear (Pierce), Ga.

As called for by the Superintendent of Banks

ALVIN M. RATLIFF, President.
Date of Charter: 8-1-1946

]. D. RIGGINS,
Cashier. Began Business: 8-5-1946

ASSETS

Cash, balances with other banks, and

cash itPms in oroccss of colleC'6nn .. $

United States Government obliga-

tions. direct and guaranteed ..... .

Oblig~~i?l!s of States and political

subdtVISIOllS , . . . o , , o

Securities of Federal agencies and

cornorations not guaranteed by

u.s.
Other


securities,


cor


norate

stock~

and

stock in FPdcral Reserve Bank ....

Loans and discounts, including over-

drafts ......................... .

Bank premises, furniture and fixt'1res,

and other assets rcpresentin!{ bank

premises ....................... .

Real estate owned other than bank

premises ............. 0 o

Customf'rs' liability to this bank on

acceptances outstanding .... o o

Othf'r assets .......... o

673,360.45 997,722.19 658,825.02
None
Non:~
1,742,053.R7
34,500.()0 29,253.50
None
~one

Total Assets ................. , $ 4,135,715.03

LIABILITIES
Demand deposits .................. $ Time and savin~s deposits ........ . Deposits of U. S. Government ..... Deposits of States and political sub-
divisions ........ o o. o. o Deposits of banks ............... .. Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandIn!t ................. o Oth('r liabilities ...... o Caoital notes and debf.'ntures ... o o Preferred stock ............. o o o Common stock ................. Snrnlus .... o o o o Undivided profits , .... , .......... . Reserves ...................... o

1,557,296.85 1, 738,340.65
35,560.59
263,529.54 74,103.17 4,240.54 None
None None None None 100,000.00 150,000.00 212,643.69 None

Total Liabilities ...... $ 4,135,715.03

FORTY-SIXTH ANNUAL REPORT

21

STATEMENT

Showing condition at the close of business December 31, 1965, of

UNION COUNTY BANK Blairsville (Union) , Ga.

As called for by the Superintendent of Banks

E. S, DOCKERY, President.
Date of Charter; 2-18-1949

MRS. CATHERINE D. JARRETT, Cashier.
Began Business: 3-1-1950

ASSETS

Cash, balanct>s with other b;::~nks. and cash it('ms in nrocess of collect; on .. $
Unite-d States Government 0bli~a-

507,815.67

tions, direct and g-uaranteed ..... . Obliga~ic;n~s of States and political
subd!VISIODS . , , , , . .
Securities of Federal agencies and cornorations not guaranteed by
u.s.
Othf"r securities, corooratc stockc;; and stock in FPderal RPscrve 'Rank ....
Loans and discounts, includin~ overdrafts ......................... .
Bank premises, furniture and fixtnrcc:.

608,396.50 55,950.71
None 100.000.00 1,364,629.81

and other assets represf'nting b::mk

premises ....................... .

32,326.31

Real estate owned other than .bank

premises ....................... .

None

Customt>rs' liability to this bank on

acccptanct>s outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . .

4,244.02

----

Total Assets ..................$ 2,673,363.02

LIABILITIES
Demand deposits ..... $ Time and savings deposits . Deposits of U. S. Government ..... .
DJi~f:it~0~f. ~~~~es .a.~~. :~~i~~~~~. ~~~:
Deposits of banks ........... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstand
ing ooo Other liabilities Capital notes and debentures ....... .
Preferred stock Common stock ...... Surplus . Undivided profits . Reserves ..... o o. o

1,220,968.74 971,337.49 31,706.30
243,903.11 None
5,277.12 None
None 10,245.19
None None 50,000.00 75,000.00 64,925.07 None

Total Liabilities ... $ 2,673,363.02

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF EARLY Blakely (Early), Ga.

As called for by the Superintendent of Banks

R. C. SINGLETARY, JR., President.
:Pate of Charter! 4-3-1941

VIRGIL JONES, Cashier.
Began Business: 4-28-1941

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obliga tions, direct and guaranteed ..... .
Obliga.ti?I_lS of States and political subdtVlSIODS , , , , , , , , , . , .... , , , , , .
Securities of Federal agencies and corporations not g u a ran teed by
Otuh.esr. securities,corporatestocksand
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ........................ Bank premises, furniture and fixtures,
and other assets representing bank premises o o o Real estate owned other than bank premises ... o. o. o. o Customers' liability to this bank on acceptances outstanding ...... Other assets .............

656,501.03 1,157,079.97
253,453.81
299,968.75 1.00
1,347,625.83
67,727.39 1.00
None 3,412.44

Total Assets ... $ 3,785,771.22

LIABILITIES
Demand deposits $ Time and savings deposits o Deposits of U. S. Government ..
DJi~i:it~n~f. ~~~~es .a.~~. :~~i~~cal ~~~~
Deposits of banks ............... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstanding ...... o o Other liabilities Capital notes and debentures ....... . Preferred stock ............... Common stock o Surplus ........ Undivided profits ... Reserves . o o. o

1, 772,078.72 1,146,707.51
63,824.80
524,081.88 None
28,496.32 None
None 4,987.91
None None 100,000.00 100,000.00 45,594.08 None

Total Liabilities $ 3, 785,771.22

22

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of
FIRST STATE BANK OF BLAKELY Blakely (Early), Ga.

As called for by the Superintendent of Banks

JOHN C. HOLMAN, President.
Date of Charter: 5-6-1937

WILLARD N. DuBOSE, Cashier.
Began Business: 5-15-1937

ASSETS
Cash, balances with other banks, and cash iti'ms in nrocPss of collection .. $
United States Government obliga~ tions, direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securiti<:>s of FPderal agencies and cornorations not guaranteed by U.S........................... .
Other SC'curities, cornorate stock<; and
stock in F"deral Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank pr('mises, furniture and fixtnres,
and other assets representing bank
premises ....................... . Real estate owned other than bank
premises ....................... . Customers' liability to this bank on
acceptances outstanding ........ . Other assets ..................... .

761,802.04 562,865.07 438,536.47
1.00 75,000.00 3,896,428.39
14,532.39 None None 1.00

Total Assets .................. $ 5,749,166.36

LIABILITIES
Demand deposits .................. $ Time and savings deposits ........ . Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ................... Deposits of banks . , .... , ... . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstanding ........................... . Other liabilities .................. . Capital notes and debentures ....... . Preferred stock ................ Common stock ................. Surplus ........................ .. Undivided profits ................ Reserves .........................

2,612,032.29 2,043,078.13
39,951.5~
378,827.66 :i.843.28
28,209.11 !\one
None 74,838.04
None None 100,000.00 200,000.00 175,437.41 90,948.85

Total Liabilities . , .......... $ 5,749,166.36

STATEMENT

Showing condition at the close of business December 31, 1965, of

FANNIN COUNTY BANK Blue Ridge (Fannin), Ga.

As called for by the Superintendent of Banks

J. M. EATON, JR., President.
Date of Charter: 5-29-1916

JAMES R. PACK, Cashier.
Began Business: 6-6-1916

ASSETS
Cash balances with other banks, and ca;h i terns in process of collection .. $
United States Government obligations, direct and guaranteed .... : ..
Obli~ations of States and pohttcal subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, coroorate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including over-
drafts ................. Bank prC'mises, furniture and fixtures,
and other assets representing bank premises ..................... Real estate owned other than bank premises ................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .
Total Assets ................. $

1,222,667.31 I ,890,458.89
361,011.56
None 50,000.00 1,912,576.60
23,000.00 4,000.00
None None 5,463, 714.36

LIABILITIES
Demand deposits .................. $ Time and savings deposits ....... Deposits of U.S. Government .... Deposits of States and political sub-
divisions ................ Deposits of banks .......... Certified and officers' checks, etc... Other liabilities for borrowed monf"y. Acceptances executed by or for ac
count of this bank and outstanding ......................... Other liabilities ... Capital notes and debentures ....... .
Preferred stock ................ Common stock ....... Surplus .............. Undivided profits ........... , , ... Reserves ..................

1,951,180.12 2,504, 788.74
44,376.17
503,536.94 None
3,491.50 None
None 75,292.66
None None 100,000.00 200,000.00 51,048.23 30,000.00

Total Liabilities ............... $ 5,463,714.36

FORTY-SIXTH ANNUAL REPORT

23

STATEMENT

Showing condition at the close of business December 31, 1965, of

PEOPLES BANKING COMPANY Boston (Thomas) , Ga.

As called for by the Superintendent of Banks

J. E. CROMARTIE, President.
Date of Charter: 1-29-1947

MISS MARY R. LEAK,
Cashier. Began Business: 4-1-1947

ASSETS
Cash, balances with other banks: and cash items in nrocess of collectn!l .. $
United States Government obhgations. direct and guarantef'd .... : ..
Obliga!ir;f!s of States and poht1cal
subdiVlSIOll'i .
Securities of Federal agencies and cornorations not guaranteed by
OJ;~~ sc~~~iti~~: ~~~;,~~~~~ ,~~~k~ ;~d
stock in F"'deral Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixt11res.
and other assets representing bank premises ....................... . Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .
Total Assets ................. $

210,770.i1 319,875.00
None
None Non.: 334,703.21
5.812.85 None None None
871, 161.i7

LIABILITIES

Demand deposits ................ $

Tin1e and savings deposits .. o o o 0

Deposits of U.S. Government . o o. o.

Deposits of States and political sub-

divisions o o o o. o o o o o o. o. o. o o. o

Deposits of banks o o o o o o o 0 0 0

Certified and officers' checks, etc. 0

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

.. o o. o. o o. o. o. 0 o o.

Other liabilities ...... ,

Capital notes and debentures ....... .

Preferred stock . o o

Common stock . o o o o o

Surplus ........................

Undivided profits ..........

Reserves ... o. o o o o o

459,416.78 264,682.30
12,1~7.73
52,835.49 None None None
None 220.00 None None 25,000.00 10,000.00 46,809.47 None

Total Liabilities .............. $ 871,161.77

STATEMENT Showing condition at the close of business December 31, 1965, of
COMMERCIAL BANK Bowdon (Carroll), Ga. As called for by the Superintendent of Banks

W. C. ROOP, President.
Date of Charter: 9-22-1926

W. A. BOWMAN, JR. Cashier.
Began Business: 9-22-1926

ASSETS
Cash. balances with other b<'nks: and cash itPms in nrocess of collccte>? .. $
United States Government obligations. direct and guaranteed .... : ..
Oblig<'~i<;I!S of States and poht1cal subdlVJSIOnS . , ... . o o
Securities of Federal a~encies and rorryorations not guaranteed by
u.s.
Other securitif's, cornorate stock" and stock in FPderal Reserve Bank ....
Lo~ns and discounts, includ:ng overdrafts ......................... .
Bank premises, furniture and fixt"res, and other assets represPnting- bank premises ...................
Real estate owmd other than bank premisf's ....................... .
CustomPrs' liability tn this bank on <'cceptances outstanding ........ .
Other assets ..................... .

824.577.89 2,036,109.17
494,218.8'i
1'\onC' None 2,848,628.78
28.000.00 None
~On<'
4,235.93

Total Assets . . . . . . . . . . . . . . . . . . $ 6,235, 770.62

LIABILITIES
Demand deposits ................ $ Time and savings deposits ..... o o Deposits of U o S. Government . o o o Deposits of States and political sub-
divisions o o o Deposits of banks .. o o o. Certified and offict'rs' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
ing .............. o o Other liabilities ... o o : o Capital notes and debentures ....... .
Preferred stock ...... Common stock o. 0 o o. o Surplus ......................... . Undivided profits ................ Reserves .. o o o o

3,052.084.98 1, 718,228.90
94,115.38
759,316.93 None 12.93 None
None 209,047.13
None None !00.11110.00 150.000.00 77.964.37 75,000.00

Total Liabilities ............... $ 6,235,770.62

24

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1965, of
BRASELTON BANKING COMPANY Braselton (Jackson), Ga.
As called for by the Superintendent of Banks

H. F. BRASELTON, President.
Date of Charter: 12-13-1948

JOHN 0. BRASELTON, JR., Cashier.
Began Business: 12-18-1948

ASSETS
Cash, balances with other banks, and cash items in process of collection.$
United States Government obliga~ tions, direct and guarantet'd......
Obligations of States and political subdivisions . . . . . . . . . . . . . . . . . . . . .
Securities of Federal agencies and corporations not guaranteed by U.S. . . . . . . . . .. . . .. . . . . . . . . . . . . .
Other sccuriti('s, corporate stocks and stock in Federal Reserve Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtur:"s. and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .
Total Assets .................. $

147,007.33 366,094.24
48,650.56
"'on<'
~on~
4'l5,188.42
2,208.13 None
~<on"
310.05 I ,019,458. 73

LIABILITIES

Demand deposits ........... $

Time and savings deposits .......

Deposits of U. S. Government ..... o

Deposits of States and political sub-

divisions . o o. o o o o

Deposits of banks o o. o o o o

Certified and officers' checks, etc. o o

Other liabilities for borrowed money o Accept~nces executed by or for ac-

count of this bank and outstand-

ing

.. o o oo o oo o

Other liabilities ......... o. o o

Capital notes and debentures ....... .

Preferred stock ...... o

Common stock ................. .

Surplus ................... o

Undivided profits ...............

Reserves . o o o o o.

513,405.31 None 770.26
333,lJ15.09
!\on~
9,000.00 None
None None N"onc None 25,000.00 75,000.00 63,268.07 I\ one

Total Liabilities ............ $ 1,019,458.73

STATEMENT Showing condition at the close of business December 31, 1965, of
COMMERCIAL & EXCHANGE BANK Bremen (Haralson) , Ga.
As called for by the Superintendent of Banks

J. S. McEACHERN, SR., President.
Date of Charter: 1-18-1949

CLARK STAPLER, Cashier.
Began Business: 2-1-1949

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securi tics of Federal agencies and corporations not guaranteed by
u.s.
Other srcurities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank prPmises. furniture and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

I ,649,026. 97 1,717,497.82
598,146.75
None l\~ one 2,230,519.56
22,735.04 15,000.00
None 97,349.89

Total Assets .................. $ 6,330,276.03

LIABILITIES

Demand deposits .................. $

Time and savings deposits ... o

Deposits of U. S. Government .....

DeJ:_o~i~s of States and political sub-

dlVIsions ......... o. o. o o o. o

Deposits of banks ..... o o o

Certified and officers' checks, etc....

Other liabilities for borrOwed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

.... 0 0 o o 0. o. o

Other liabilities .................. .

Capital notes and debentures ....... .

Preferred stock ........... o o

Common stock o o o o o o

Surnlus ......................... .

Undivided profits ................ .

Reserves o o o o

3,567,232.90 1,381,025.36
167,201.75
533,826.81 79,281.18 15,275.47 None
l\Tonf' 20.934.97
:r\onf' Nnw 200.000.00 200.000.00 165.497.59 None

Total Liabilities ........ $ 6,330,276.03

FORTY-SIXTH ANNUAL REPORT

25

STATEMENT Showing condition at the close of business December 31, 1965, of
FARMERS & MERCHANTS BANK Brooklet (Bulloch), Ga.
As called for by the Superintendent of Banks

T. E. DAVES, President.
Date of Charter: 2-4-1948

GUY W. FREEMAN, Cashier.
Began Business: 2-17-1948

ASSETS
Cash balances with other banks, and cas'h itPms in procpss of collection .. $
United StatPs Government obligations. direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Sccuritie~ of Fe-deral agencit>s and
cuo.rsp.o.r.a t.i.o.n.s. .n.o.t. . .g.u.a.r.a.n. .t e. .e.d. . .b y.
Other sPcuritif's, corporate stocks and stock in :Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets .....................
Total Assets .................. $

307,030.4 7 868,251.00
I"\ one
~one ~Oill'
1,118,559.19
6,817.87
~one
I\' one 570.77 2,301.229.'10

LIABILITIES

Demand deposits ................. $ Time and savings deposits ..
Deposits of U. S. Government ..... .
Ddi~i;f~n~f. ~~~~es .a.~~. :~~i~~cal ~~~~

Deposits of banks ................

Certified and officers' checks, etc....

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

o oo. o o o o o oo

Other liabilities

Capital notes and debentures ....... .

Preferred stock ................. .

Common stock ......... o o o

Surplus ......................... .

Undivided profits ................ .

Reserves ...... o o. o o. o o o. o. o

1,167,927.63 822,582.63 3,984.22
63,051.64
~one
10.868.71 None
None None None None 50,000.00 135,000.00 32,706.85 15,107.62

Total Liabilities ............... $ 2,301,229.30

STATEMENT

Showing condition at the close of business December 31, 1965, of

HARALSON COUNTY BANK Buchanan (Haralson), Ga.

As called for by the Superintendent of Banks

HARDY McCALMAN, President.
Date of Charter: 3-3-1909

JAMES BROWN, Cashier.
Began Business: 3-4-1909

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed. . . . .
Obliga~i?J!S of States and political subdiVlSlOns , , ,,,,,,,,,,,,.,....
Securities of Federal agencies and
cuo.rsp.ora.t.i.o.n.s..n.o.t...g.u.a..r.a.n.t.e..ed, . .b.y.
Other securities, corporate stocks and 'itock in Federal Reserve Bank. . . .
toans and discounts, including overdrafts .. .. .. .. .. .. .. . . . . . . .. . . . .
Bank premises, furniture and fixtures, and other assets representing bank premises ..
Real estate owned other than bank premises .. o o o o o. o o..
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . .

600,844.50 I ,075,293.60
495,432.48
425,000.00 l\ one
1,076.750.01
19,637.37 -1'\one None
~one

Total Assets .................. $ 3,292,957.96

LIABILITIES
Demand deposits $ Time and savings deposits o o o Deposits of U. S. Government ..... .
DJi~i~f~n~f. ~~~~es .a.~~ .:~~i~ical ~~~~
Deposits of banks .............. Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand ing ......... o. o o Other liabilities Capital notes and debentures ....... . Preferred stock ................ . Common stock .... Surplus .................... Undivided profits ................ . Reserves o. o o o. o

1,524,191.44 624,101.95 106,506.54
745,656.49 None
14,6D3.86 None
None None None None 40,000.00 60,000.00 125,000.00 52,897.68

Total Liabilities ............... $ 3,292,957.96

26

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1965, of
BUENA VISTA LOAN & SAVINGS BANK Buena Vista (Marion) , Ga.
As called for by the Superintendent of Banks

CLARKE W. DUNCAN, President.
Date of Charter: 9-22-1887

ARTHUR D. LOWE, Cashier.
Began Business: 9-1-1889

ASSETS
Cash, balances with other banks, and cash items in process of collection.$
United States Government obligations, direct and guaranteed ..... .
Obli~a~i(;n~s of States and political
subdtVISIOllS , , , , , , , , , , , , , , , ,
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premis('S, furniture and fixtures, and other assets representing bank premises ....................... .
RPal estate owned other than bank premises ....................... .
CustomPrs' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

57i,131.38 807,064.11 241,834.97
20,000.00 None
1,472,199.81
45,988.43 1.00
~one
175,220.83

Total Assets .. , , ...... , , . , .... $ 3,339,440.53

LIABILITIES
Demand deposits , . , ... , ..... , ..... $ Time and savings deposits ..... Deposits of U. S. Government ..... Deposits of States and political sub~
divisions . o o o Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
~ount of this bank and outstand~
tng ............
Other liabilities ................ 0 Capital notes and debentures ....... .
Preferred stock , , .. , ..... , , , , .. Common stock ................. . Surplus ......... , . , . , , .... , , , , , Undivided profits , .... , , . , , , . , .. , , Reserves ...................... 0 0

1,421,561.05 795,968.57 25,163.53
681,168.97 6U,UIIU.Oll 15,814.31 !\one
A one 44,369.34
None None 50,000.00 200,000.00 45,394.76 I\ one

Total Liabilities , ........ , ... , $ 3,339,440.53

STATEMENT

Showing condition at the close of business December 31, 1965, of

BUFORD COMMERCIAL BANK Buford (Gwinnett), Ga.
As called for by the Superintendent of Banks

JOHN D. CARTER, President.
Date of Charter: 1-18-1946

FORREST PUCKETT, Cashier.
Began Business: 2-11-1946

ASSETS
Cash, balances with other banks, and cash items in process of collection.$
United States Government obliga tions, direct and guaranteed ..... .
Obli~ations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
u.s.. ""."" "" .. " """".
Other securities, corporate stocks and stock in FPdcral Reserve Bank ....
Loans and discounts, including over~ drafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

846,907.66 1,231,413.13
340,725.03
None None 3,033,580.23
51,158.32 !.CO
Nnnf" 190.73

Total Assets .... , ......... , , , .$ 5,503,976.10

LIABILITIES

Demand deposits .............. $

Time and savings deposits .. o. o o o

Deposits of U. S. Government o o

Deposits of States and political sub-

divisions .. o o. o o o o o o o o. o

Deposits of banks . , .......

Certified and officers' checks, etc.. o

Other liabilities for borrowed monPy.

Acceptances executed by or for ac

count of this bank and outstand..

. . . . . . . in~

o. o , o o.

Otber liabilities ............

Capital notes and debentures. o. o. o

Preferred stock o o o o o

Common stock .... o o o.

")urolus ............. o. o o o o o o. o

Undivided profits , , , , , , .......... .

Reserves . 0 0. 0 0. 0 o. o o

2,595,435.41 1,752,935.02
65,692.29
663,360.25 None
17,648.81 None
None 45,594.78
None None 200,000.00 100.000.00 63,309.54 None

Total Liabilities ............... $ 5,503,976.10

FORTY-SIXTH ANNUAL REPORT

27

STATEMENT Showing condition at the close of business December 31, 1965, of
THE CITIZENS STATE BANK Butler (Taylor), Ga.
As called for by the Superintendent of Banks

JOHN J. NEELY, JR., President.
Date of Charter: 9-4-1926

MAESAL E. CHILDRES, Cashier.
Began Business: 9-4-1926

ASSETS
Cash. balances with other banks, and cash items in process of collection.$
United States Government obliga~ tions. direct and guaranteed......
Obli~ations of States and political subdivisions . . . . . . . . . . . . . . . . . . . . .
Securities of Federal agencies and corporations not guaranteed by U.S. . . . . . . .. . . . . . . . . . . . . . . . . . . .
Other securities, corporate stocks and stock in Ff'deral Rt'scrvc Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtures, and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . .
R('al estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . .

848,503.56 415,635.38 181,5i8.89
200,000.00 None
2,168,814.77
14,328.69 16,292.55
None None

Total Assets .................. $ 3,84o,153.84

LIABILITIES
Demand deposits .................. $ Time and savings deposits ........ Deposits of U.S. Government ..... . Deposits of States and political sub-
divisions ............... Deposits of banks ............... Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin~ .................... Other liabilities . Capital notes and debentures ....... . Preferred stock ............ Common stock ............ Surplus .............. Undivided profits ................ . Reserves ......

1,599,440.78 1,359)51.63
18,216.47
505,583.53 5,192.08 6,422.50 None
~one
89,080.48 :'\Jone None
100,000.00 110.000.00 44,461.41
7,004.96

Total Liabilities ............... $ 3,845,153.84

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF BYROMVILLE Byromville (Dooly), Ga.

As called for by the Superintendent of Banks

0. W. KITCHENS, JR. President.
Date of Charter: 7-19-1920

J.D. LESTER, JR., Cashier.
Began Business: 7-26-1920

ASSETS
Cash. balances with other banks, and cash items in Process of collection .. $
United StatPs Government obligations. dinct and guaranteed......
Oblil::{ations of States and political subdivisions . . . . . . . . . . . . . . . . . . . .
Securities of }'cderal agencies and
cuo.rsn.ora.t.i.o.n.s. .n.o.t. . .g.u. a. .r.a.n.t.e.e.d. . .b.y.
Other securities, cornoratc stock<; and stock in Federal Reserve Bank....
Loans and discounts, including overdrafts . .. . . . .. .. .. .. . . . . . . . . . . . .
Bank premises, furniture and fixt,rcs, and other asscts rcprescnting bank prcmises . . . . . . . . . . . . . . . . . . . . . . . .
Rcal estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptance-s outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .
Total Assets .................. $

224,209 ..10 108,933.50
19,584.08
174.2oo.oo None
Gil, i06.43
6,987.82 Non( :\'"onf' 8211.90
1.14G,492.23

LIABILITIES
De-mand deposits ............ $ Time and savin~s deposits ........ Deposits of U. S. Government .... Depo<>its of States and political sub-
divisions ....................... Deposits of banks ............ Ccrtified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ......................... Other liabilities .................. Caoital notes and debentures ....... . Preferred stock ..... Common stock ... Surplus ......................... T1nd:v:dcd profits ..... Reserves .......... , ............

692,457.85 302,496.93
1,621.79
49,709.62 None
1,228.02 None
Nono None None Non" 30.000.00 20,01111.00 48.978.02 None

Total Liabilities ............... $ 1, 146,492.23

28

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1965, of
BANK OF BYRON Byron (Peach), Ga. As called for by the Superintendent of Banks

H. W. PEAVY, SR., President.
Date of Charter: 10-30-1962

H. W. PEAVY, JR., Cashier.
Began Business: 2-4-1963.

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 235,623.70

United States Government obliga-

tions, direct and guaranteed ..... .

288,555.65

Obligations of States and political

subdivisions .................... .

8,199.00

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Other securities, corporate stocks and

40,000.00

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts ......................... .

310,134.85

Bank premises, furniture and fixtures,

and other assets representing bank

premises ....................... .

18,634.67

Real estate owned other than bank

premises ....................

None

Cus tamers' liability to this bank on

acceptances outstanding . . . . . . . .

N onp

Other assets . . . . . . . . . . . . . . . . . . . . . .

4,630.91

-----

Total Assets .................. $ 905,778.78

LIABILITIES

Demand deposits .... o o o $

Time and savings deposits . o. o. o o o.
Deposits of U. S. Government . o. o.

Deposits of States and political sub-

divisions ...... 0 0

Deposits of banks ......... o o o

Certified and officers' checks, etc...

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing-

... o o. o o. o o o o o. o o o o.

Other liabilities ......... o. o

Capital notes and dcbenturrs .......

Preferred stock o o o

Common stock o o o o

Surplus ........... o o. o. o.

Undivided profits ................ .

Reserves o o. o o o o o

333,625.29 190,637.25
6,956.59
233,790.07 None
3,445.55 None
None 19,685.77
None None 50,000.00 30,000.00 37,638.26 None

Total Liabilities ............... $ 905,778.78

STATEMENT Showing condition at the close of business December 31, 1965, of
CAIRO BANKING COMPANY Cairo (Grady), Ga.
As called for by the Superintendent of Banks

T. R. HESTER, President.
Date of Charter: 11-23-1903

G. G. THOMAS, JR., Cashier.
Began Business: 1-1-1900

ASSETS
Cash, balances with other banks, and cash items in process of collection . $
United States Government obligations, direct and guaranteed..... .
Obligations of States and political subdivisions ..................
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,corporatestocksand
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ............ . Bank premises, furniture and fixtures,
and other assets representing bank premises ........ o Real estate owned other than bank premises ................. o o o. Customers' liability to this bank on acceptances outstanding ..... o o Other assets ..................... o
Total Assets .................. $

1,150,326.08 1,449,734.31
935,062.17
None None 4,444,480.68
215,581.76 2,000.00 None None
8,197,185.00

LIABILITIES

Demand deposits .................. $

Time and savin~s deposits .. o. o

Deposits of U. S. Government ....

Del?o~i.ts of States and political sub-

divisJons .... o o

of banks . D~p0sits

o. o. o o o o

Certifif'd and officers' checks, etc. o o

Other liabili tics for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

in~ . . . . . . . . . . o o. o

Other liabilities .............. o o

Caoital notes and debentures ....... .

Preferred stock . o o

Common stock ......... o o o o o

SurnltiS' ....... o o. o.

Undivided profits . o o. o o. o

Reserves ...... o o o o. o. o.

3,809,196.10 3,137 ,206.:i5
96,652.35
427,796.50 5,028.53 17,:i11.28 None
Konr 66,645.92
None None 200,000.00 275,000.00 162.147.i7 None

Total Liabilities .............. $ 8,197,18.i.OO

FORTY-SIXTH ANNUAL REPORT

29

STATEMENT

Showing condition at the close of business December 31, 1965, of
CITIZENS BANK Cairo (Grady), Ga.

As called for by the Superintendent of Banks

J. C. MINTER, President.
Date of Charter: 12-3-1903

LUCILE S. MAXWELL, Cuhier
Began Business: 1-1-1904

ASSETS

Cash. balances with other banks. and

cash items in nrocess of collectio.n .. $ 776,745.95

United States Government obliga-

tions. direct and guaranteed ..... . Oblig<'ltions of States and political

1,283,323.97

subdivisions .................... .

229,006.63

Securities of FC"deral agencies and

cornorations not guaranteed by

u.s.
Other securities, coroorate stock, and

None

stock in Frderal Reserve Bank ....

None

Loans and discounts, including over-

drafts ................. . .. 1,746,229.60

Bank premises, furniture and fixtnre".

and other assets representing bank

premises ....................... .

42,787.41

Real estate owned other than bank

premises ....................... .

1.00

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . .

3,664.39

-----

Total Assets .................. $ 4,081,758.95

LIABILITIES

Demand deposits ........ $

Time

and

savings deposits

0. ..

o

Deposits of U. S. Government ..... .

Deposits of States and political sub-

divisions ...................... 0 Deposits of banks ................

Certified and officers' checks, etc.... Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing o o o o. o Other liabilities o ................. . Capital notes and debentures o 0 0 0
Preferred stock .

Common stock .. o 0 0 0 0
Surplus . Undivided profits .......

Reserves

o o o. o o

1,637,147.20 I ,337,330.99
28,368.15
743,160.93 6,829.66 28,282.00 None
None 4,579.15
None None 100,000.00 125,000.00 71.060.87 None

Total Liabilities ............... $ 4,081,758.95

STATEMENT Showing condition at the close of business December 31, 1965, of
BANK OF CAMILLA Camilla (Mitchell) , Ga. As called for by the Superintendent of Banks

RAYMOND T. MUGGRIDGE, JR., President.
Date of Charter: 11-4-1889

MRS. LORA D. STARK, Cashier.
Began Business: 1-2-1890

ASSETS
Cash, balances with other banks. and cash iterns in process of collection .. $
United States Government obligations, direct and guaranteed 0 0
Obligations of States and political subdivisions ............... 0
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ....
Real estate owned other than bank premises . o. o o. o
Customers' liability to this bank on acceptances outstanding ... 0 o
Other assets .. o o o o

738,952.06 926.533.32 278,423.32
25,031.25 None
2.757,520.12
40,590Si 1.00
Non('
~one

Total Assets . , ....... $ 4,767.051.62

LIABILITIES

Demand deposits $

Time and savings deposits o Deposits of U. S. Government . o

Deposits of States and political sub-

divisions ...... o o o.

Deposits of banks . o o o

Certified and officers' checks, etc....

Other liabilities for borrowed money o

Acceptauces executed by or for ac-

count of this bank and outstand-

ing .. o o o. o o o. o o

Other liabilities .................. .

Capital notes and debentures ....... .

Preferred stock . o o o o o

Common stock o o o

Surplus

0 o. o o o o o

U ndividcd profits .... o o o o o o

Reserves ... o o o

I ,762,483. 76 1,661,150.00
14,ll46.20
906,449.22 10,500.00 50,814.59 !\one
None 61.486.10
None None 100,11110.110 200.0110.00 121.75
~one

Total Liabilities ... ,. ..... $ 4, 767.051.62

30

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

PLANTERS & CITIZENS BANK Camilla (Mitchell), Ga.

As called for by the Superintendent of Banks

E. J. VANN, III, President.
Date of Charter: 9-20-1904

JOE B. ADAMS, Cashier.
Began BusineSR: 5-24-1913

ASSETS
Cash. balances with other b<1nks. and cash itf'ms in nrocPss of collection .. $
United States Government obligations. direct and guaranteed ..... .
Obliglltions of Statt>s and political subdivisions .................... .
Securities of Federal agencies and coroorations not guar-anteed by
u.s.
Other S('Curitics, cornorate stock.;; and stock in F<>deral Reserve Bank ....
Loans and discounts, including overdrafts ................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ....................... .
Real eo;tate owned other than bank prt>mises ....................... .
Customers' liability to this bank on acceptances outstanding ........
Other assets ..................... .

628,968.44 I ,856,588.1 7
798,128.50
Nont
~one
3,655,850.25
93,312.45 None None .!\'one

Total Assets .................. $ 7,032,847.81

LIABILITIES
Demand deposits .................. $ Time and savings deposits ........ .
Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions .......... Deposits of banks ............... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ...................... Other liabilities ........ , ........ , . Capital notes and dcbenturC's ....... .
Preferred stock ................ .
Common stock ........... Surplus ......................... . Undivided profits ................ . l{.eserves ...............

2,573,137.01 3,111,515.50
66,388.40
657,238.94 None
207,403.86 None
None None None None 250,000.00 100.000.00 53,338.53 13,825.57

Total Liabilities .............. $ 7,032,847.81

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF CANTON Canton (Cherokee), Ga.

As called for by the Superintendent of Banks

E. 0. McFATHER, President.
Date of Charter: 11-17-1892

L. L McCANLESS, Cashier.
Began Business: 12-18-1892

ASSETS
Cash, balancPs with other banks, and cash items in process of collect;on .. $
United States Government obligations, direct and guaranteed ..... .
Obliga~ic::~s of States and political subdiVISIOns . , , .. , .... , ......... .
Securitit>s of Federal agencies and corporations not guaranteed by
u.s.
Other securities, cornorate stock.;; and stock in F~"deral Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, (urni ture and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises .....................
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................
Total Assets .................. $

1,066,877.54 3,060,098.33 1,023, 715.20
265,187.50 None
3,661,715.02
26,119.33 Non: None
4,181.33 9,107,894.25

LIABILITIES
Demand deposits ................. $ Time and savings deposits ...... Deposits of U. S. Government ... Dt>posits of States and political sub-
divisions ................ D::-p:::>sits of banks ........ Certified and officers' checks, etc.. Other liabilities for borrowed monf'y. Acceptances executed by or fOr ac-
count of this bank and outstanding .................. Other liabilities .............. Capital notes and debentures ....... . Pr('fcrred stock ........... Common stock ....... ~urolus . . . . ................ Undivided profits ................ . Reserves ....................

3,215,059.18 3,935,126.73
196,296.27
598,571.86 89,384.47 56,410.47 None
!\~one
320,014.98 Nont' None
200,000.00 400,000.00
77,030.29 20,000.00

Total Liabilities ............... $ 9,107,894.25

FORTY-SIXTH ANNUAL REPORT

31

STATEMENT

Showing condition at the close of business December 31, 1965, of
ETOWAH BANK Canton (Cherokee), Ga.

As called for by the Superintendent of Banks

H. G. VANDIVIERE, President.
I>ate of catarter: 1-22-1927

N. E. FACKLER, Cashier.
Began Business: 1-29-1927

ASSETS

Cash, balancPs with other b~nks. and cash items in process of collection .. $
United States Government nblig-a-

966,714.28

tions. direct and guarantPed ..... . 2,119,898.80 Obli~a~i<:n~s of States and political

subdJVISlOOS , , , .. , . ,
Securities of Fedt>ral agencies and coroorations not guaranteed hy
u.s.
Other St'Curitif's, cornorate stocks and

1,37i,741.22 None

stock in Ffderal Res{'TVC' Bank .... Loans and discounts, including over-
drafts ......................... .
Bank premises. furniture and fixtnre<>. and other asset<; represPntin~ bank premises ................. .' ..... .
Real t'Statc owned other than bank

I\" one 3, 758,97i .09
102,896.19

premises ....................... . Customf'rs' liability to this bank on

None

acceptances outstanding . . . . . . . . .

None

Other

assets

.

.

.

.

.

.

.

.

.

.

.

.

.

.

.

.

.

.

.

.

.

.

-

-

3, 741.23
---

Total Assets .................. $ 8,329,968.81

LIABILITIES
Demand deposits ............... $ Time and savings deposits ........ . Deposits of U. S. Governmf"nt ..... Deposits of States and political sub-
divisions ..................... Deposits of banks ............... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this hank and outstandin~ ........................ Other liabilities . Capital notes and debentures ....... . Preferred stock ................ . Common stock ..... Surplus ......................... Undivided profits ............. Reserve., ...............

3,162,592.17 3,942,7.16.99
24,765.23
365,308.55 26,992.00 12,897.59 I'\ one
":\'one 38,964.31
None 1'\onC' 200.000.111) 250.000.00 255,691.97 50.000.00

Total Liabilities ............... $ 8,329,968.81

STATEMENT

Showing condition at the close of business December 31, 1965, of

CARNESVILLE STATE BANK Carnesville (Franklin), Ga.

As called for by the Superintendent of Banks

GORDON M. TELFORD,
President. I>ate of Charter: 7-18-1960

GORDON M. TELFORD, Cashier.
Hegan Business: 8-1-1960

ASSETS
Cash, balancf's with other banks, and cash itf'ms in nrocess of collection .. $
Unitf'd States Government obligations, direct and guaranteed ..... .
Obliga~i'!~s of States and political subdrVISIOns .... , .............. , ,
Securities of Federal agencies and cornorations not guaranteed by U.S........................... .
Other securities, cornorate stock" and stock in FPderal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premisf'S ......................
Real estate owned other than hank premises ....................... .
Customers' liability to this bank on acccptanc('s outstanding ......... .
Other assets .....................

333,045.54 475,271.49
None
None
~one
923,090.21
T\~Oll('
'!\~ onf'
~one

Total Assets .................. $ 1,780.839.69

LIABILITIES
Demand deposits ............... $ Time and savin~s deposits ...... Deposits of U. S. Government ..... Deoo"its of States and political sub-
divisions ...................... Deposits of banks ................ Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ........................... OthPr liabilities ................ Caoital notes and debentures ....... . Preferred stock ...
Common stock ...
Surplus ......................... . Undivided profits ................ . Reserves .......................

812.766. i8 605.665.47
8,341.96
162.818.96 None
51.048.02 None
None 9,385.6i
None None 50,000.00 60,000.00 20.772.83 None

Total Liabilities ............... $ 1,780,839.69

32

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1965, of
THE PEOPLES BANK Carrollton (Carroll), Ga. As called for by the Superintendent of Banks

ROY RICHARDS, President.
Date of Charter: 11-10-1909

FRED HUTCHINS, Cashier,
Began Business: 12-1-1909

ASSETS
Cash, balances with other banks, and cash itf'ms in Process of collection .. $
United States GovernmPnt obligations. dirf'Ct and guaranteed.
Obliga~i?~s of States and political subdlvJSJOns .................
Securities of FedPral agf'ncies and coroorations not guaranteed by U.S. . ........................
Other srcurities, coroorate stocks and stock in Fr-deral Rrservt" Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank prf'mises, furnitur(' and fixtures. and other assets rcprrsenting bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . .

2,604,888.32 2,909,47b.G7
497,356.61
:\on :\'on" 4,433.229.24
21111,000.1:0 None Now I\ ont

Total Assets ........ , ...... , .. $ 10,644,9o0.84

LIABILITIES
Demand deposits ............... $ Time and savings deposits ........ . Deposits of U. S. Government ..... Depo?i.ts of States and political sub-
diVISions .....
Deposits of banks , ............... . Certified and officers' checks. etc... . Other liabilities for borrowed money, .-\cccptan<:"cs executed by or for ac-
count of this bank and outstandin~ .................... Other liabilities ................. , Capital notes and debenture~ ....... . Preferred stock ................ . Common stock ................. . Surplus ......................... . Undivided profits ............... Rf'serve:; .......................

i ,230,360.20 834.994. ~~ 4311.'J28.29
1,116.181.28 4~.38~3!1~45
:J, ... ,/
.I\'" o n e
I\' one 262,6116.68
None
J:,o,oNooo.onoe
250,11110.00 511.111111.110
272.075.48

Total Liabilities .............. , $ 10,644.950.84

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE CARTERSVILLE BANK Cartersville (Bartow), Ga.

As called for by the Superintendent of Banks

WALTER B. ATWATER, President.
Date of Charter: 12-20-1947

HUGH I. JACKSON, Cashier.
Began Busineu: 11-19-1948

ASSETS
Cash, balances with othf'r hanks, and
cash items in process of collection .. $
Unitf'd States Government obligations. direct and guaranteed ..... .
Obliga~i?~s of States and political subdtVlSJOnS ........ , . , , , , , ... , . ,
s('CliTities of Federal agencies and cornorations not guaranteed by C.S........................... .
Other securities, coroorate stocks and stock in F('deral Rest>rve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets repre<;enting bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ...................

651,545.91 1,8112,443.02
290,924.18 299.937.50
~one
I.896 '661. 83 140.944.00
Non<' None 2'>.587.37

Total Assets .................. $ 5,108,043.81

LIABILITIES
Demand deposits . $
Time and savings deposits
Deposits of U. S. Government . Deposits of States and political sub-
divisions ....... Deposits of banks ... Certified and officers' checks. etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
Jng .. Other liabilities ... , Capital notes and debentures .....
Preferred stock ............... Common stock Surplus .......... Undivided profits ... Reserves

1.988.971.38 1,577,595.87
119,873.96
905,964.57 None
14,242.90
~one
NonP 114,225.68
.I\'" o n e
~one
100,000.00 250,000.00 37,169.45
~one

Total Liabilities .............. $ 5,108,043.81

FORTY-SIXTH ANNUAL REPORT

33

STATEMENT Showing condition at the close of business December 31, 1965, of
PEACHTREE BANK AND TRUST COMPANY Chamblee (DeKalb), Ga.
As called for by the Superintendent of Banks

CLAUDE H. BOOKER, JR.,
President. Date of Charter: 317-1960

W. R. WATKINS, Cashier.
Began Business: 5-6-1960

ASSETS

Cash, balances with other banks, and

cash items in nrocess of collection .. $ 948,611.05

United States Government obliga-

tions. direct and guaranteed ..... . 1,984,337.09 Obliga~i?f!S of States and political

subdiVISIOllS . , .

104,028.41

Securities of Federal agt>ncics and

coroorations not guaranteed by

U.S........................... .

600,004.33

Other securities, coroorate stock., and

stock in FC'deral Reserve Bank ....

None

Loans and discounts, including over-

drafts ......................... . 3,134,396.48

Bank premises, furniture and fixt1ucs,

and other asst>ts rt'pr('S{'nting bank premist's ....................... .

157,781.95

Real estate owned other than bank premises ... - ................... .

~one

CustomPrs' liabilitv to this bank on

acceptances outstanding . . . . . . . . .

1\ mw

Other assets . . . . . . . . . . . . . . . . . . . . . .

34,583.77

-----

Total Assets .................. $ 6,963,743.08

LIABILITIES

Demand deposits .......... $

Time and savings deposits o o o o o o

Deposits of U. S. Government ..... .

Deposits of States and political sub-

divisions o. o. o. o o 0 0 0

Deposits of banks ................ .

Certified and officers' checks, etc... .

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

o. o o o o o o o o o o o o o o. o

Other liabilities . o o. o. o

Capital notes and debentures ....... .

Prefrrcd stock ................. .

Common stock o o o

Surplus .........

Undivided profits .. o o o o.

Reserves ...... o. o o o o

3,561.180.24 1,598,040.21
505,655.U6
474,911.48 None
73,917.70
~one
None 186,893.96
J\one None 175,000.00 250,000.00 138.144.43 None

Total Liabilities ............... $ 6,963,743.03

STATEMENT

Showing condition at the close of business December 31, 1965, of

COHUTTA BANKING COMPANY Chatsworth (Murray), Ga.

As called for by the Superintendent of Banks

B. E. CIIAMBERS, President.
Date of Charter: 7-17-1901i

FRANCES HEARTSELL, Cashier.
Began Business: 1-24-1906

ASSETS
Cash, balances with other banks. and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obligations of States and political subdivisions . o o
Securities of Federal agencies and corporations not g u a rant e e d by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniturP. and fixtures, and other assets representing bank premises o o. o. o o
Real estate owned other than bank premises ... o o o. o o. o o
Customers' liability to this bank on acceptances outstanding ........ .
Other assets o

851,115.93 2,407,571.57
227,31Ul5
NonC' 1\' one
1.726,972.00
36.000.00 None None

Total Assets ............. $ 5,270.830.05

LIABILITIES

Demand deposits . $

Time and savings deposits o o

Deposits of U. S. Government ..... .

Depo:i!s of States and political sub-

divisions ....................... .

Deposits of banks ................ .

Certified and officers' checks, etc... .

Other liabilities for borrowed money.

Acceptauces executed by or for ac~

count of this bank and outstand-

ing ......... o o o o o o

0 thcr tiabilities .. , ..

Capital notes and debentures ....... .

Preferred stock ......... o

Common stock o. o o o o

Surplus ..................... .

Undivided profits ...............

Reserves

.. o . o o o o .

2,442,623.31 I ,879.071.22
136,430.07
497.682.39 None
2. 733.79 None
None None None None 100.000.110 200.01111.011 3.280.05 9,009.22

Total Liabilities ........ $ 5,270,830.05

34

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF CHICKAMAUGA Chickamauga (Walker}, Ga.

As called for by the Superintendent of Banks

W. H. EDWARDS, President.
Date of Cb&rter: Z-16-1910

N. COLLINS WRIGHT, Cashier.
Began Bwrineas: 6-10-1910

ASSETS
Cash. balancPs with other h<lnks. and cash items in process of collcctio_n .. $
United States Government obligations. direct and guaranteed ...... .
Obli14ations of States and pohtical subdivisions ....................
Securities of FcdPral agencies and coroorations not guaranteed by
u.s.
Other secur;ties, cornorate stocks and stock in Federal Resf"rve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises. furniture and fixtures. and other assets rcpresPnting bank premises ......................
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

561 ,66-!.90 1,755,841.89
467,970.84
I'\'" o n e !\'"one 1,612,996.66
20,179.88 None None None
4,418,654.17

LIABILITIES
Demand deposits .................. $ Time and savings deposits ..... Deposits of U. S. Government o o. o o Deposits of States and political sub-
divisions o. o o. o o. o Deposits of banks . Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances rxecuted by or for ac-
count of this bank and outstanding- . . . . o o Other liabilities . o o o. Capital notes and debenturrs ....... Preferred stock ..... o o o Common stock . o Surplus ...... o o o o. Undivided profits ................ . Rrserves ..... o o.

l,i21.862.21J 1,824.362.88
121,494.66
309,139.12 None
40,814.23 None
None 15,765.50
None None 100,000.00 100,000.00 125,215.58 60,000.00

$ Total Liabilities o o o 4,418,654.17

STATEMENT

Showing condition at the close of business December 31, 1965, of
HABERSHAM BANK Clarkesville (Habersham) , Ga.
As called for by the Superintendent of Banks

TOM ARRENDALE. President.
Date of Charter: 6-13-1904

W. W. DUNSON, Cashier.
Began Business: 6-1904

ASSETS
Cash, balances with other banks. and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obliga~ic;t;s of States and political subdiVISIOns ..... , ............ , ..
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,cornoratestock~and
stock in F~dcral Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixtures,
and other a~sets representing bank premises ........... o Real estate owned other than bank premises ............... 0. o. o Customers' liability to this bank on acceptances outstanding ........ . Other assets .....................
Total Assets .................. $

327,355.63 1.778.333.14
380,856.59
100.000.00 None
I, 763,562.89
I
33.761.83 None Nonf' Kane
4,383,870.08

LIABILITIES
Demand deposits .................. $ Time and savings deposits ..... Deposits of U. S. Government ..... . Deposits of States and political sub~
divisions .............. o Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed monPy. Acceptances executed by or for ac-
count of this bank and outstanding . . . . . . . . o. o. o o o
Other liabilities ................. Capital notes and debentures ... o
Prdernd stock .............. Common stock ... o o o Surplus ............ o o. o Undivided profits ................ . Reser\'es ........................

2,119,601.04 1,424,956.47
48.817.22
282,1116.21 None
8,509.41 None
-:"Jonc ;..Jone None None 125,000.00 325.000.00 49,879.73 !\one

Total Liabilities ............... $ 4,383,870.08

FORTY-SIXTH ANNUAL REPORT

35

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE CLAXTON BANK Claxton (Evans), Ga.

As called for by the Superintendent of Banks

H. C. HEARN, JR., President.
Date of Charter: 2-24-1941

AUBREY STRICKLAND,
Cashier. Began Business: 2-24-1941

ASSETS
Cash balances with other hanks, and cas'h itf'ms jn procc-ss of collectio.n . $
United States Government obligations, direct and guaranteed ..... .
Obli~ations of States and political subdivisions ............... ....
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Fedrral RC'scne Bank ....
Loans and discounts, including overdrafts ..................... ... .
Bank premises, furniture and fixtures, and other assets representing bank premises .......................
Real estate owned other than bank premises .......................
Customers' liability to this bank on acceptances outstanding ........ .
Other assC'ts ..................... .

992,116.32 1,1157,40:J.89
746,64U2
);one None 2,790,089.72
25,985.95 20,000.00
None 2, 786.66

LIABILITIES
Dt.mand deposits ............ $ Time and savings deposits ........ . Deposits of U. S. Government ..... Deposits of States and political sub-
divisions ...................... Deposits of banks ................ . Certified and officers' checks, etc ... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of thi<; bank and outstanding .................... Other liabilities ...... Capital notes and debentures ....... . Preferred stock ................ . Common stock ............... Surplus ...................... Undivided profits .............. Reserves ............

2,174.900.08 2,093, 700.65
67,370.79
687,379.29 59,653.93 13,700.67 None
None 49,737.20
":"Jonc None 200,000.00 200,11110.(1(} 88,533.85
~one

Total Assets .................. $ 5,635,026.4(i

Total Liabilities ............... $ 5,635,026.46 ------------- -

STATEMENT

Showing condition at the close of business December 31, 1965, of

TIPPINS BANKING COMPANY, INC. Claxton (Evans), Ga.

As called for by the Superintendent of Banks

R. R. TIPPINS, JR., President.
Date of Charter: 8-30-1940

S. J. WATERS, Cashier.
Began Business: 9-3-1940

ASSETS
Cash, balances with other banks, and cash items in process of collect;o_n .. $
United States Government obligations, direct and guaranteed ..... .
Obli~ations of States and political subdivisions .................... .
Securities of Federal agpncics and coroorations not guaranteed by
u.s.
Other securitif's) corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts .............
Bank premises, furniture and fixt11rcs, and other assets representing bank premises ....................... .
Real estate owned other than bank premises .......................
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ............... ....
Total Assets .................. $

505,126.97 841,637.61 428,657.46
~one
);ont:' 1,850,014.25
41.666.59
J.()(l
:'\one ::"JonP 3,667,103.88

LIABILITIES
Demand deposits ......... $ Time and savings deposits ........ Deposits of U. S. Government ..... . Dq~o~i~s of States and political sub-
diVISions ....................... Dt:>posits of banks .............. Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
inQ; ......................... Other liabilities .................. . Capital notes and debentures ....... .
Preferred stock ..... Common stock .... Surplus ......................... l:nd!v'ded profits ................ . Reserves .......................

1,602.660.91 1,5 70.871.99
16,262.87
222,588.38 30,000.18 13,707.84 None
None None None 1\one 50,000.00 12'J.Oliii.OO '16,11 II. 71 None

Total Liabilities .......... $ 3,667,103.88

36

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1965, of
BANK OF CLAYTON Clayton (Rabun), Ga. As called for by the Superintendent of Banks

DR. J. C. DOVER, President.
Date of Charter: 6-30-1904

MISS P. D. BLECKLEY, Cashier.
Began Busineu: 7-1-1904

ASSETS
Cash, balances with other banks, and cash it>ms in nroct'ss of collt>ction .. $
United Stat!'s Government obligations. direct and ~uaranteed ..... .
Oblig<'ltion<; of States and political subdivision'i .................... .
Securities of Federal agC'ncies and coroorations not guaranteed by U.S........................... .
Other securities, coroorate stocko;; and
stock in FPderal Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premist"s. furnitttrt' and fixttre",
and other assets represt'nting bank
premist's ....................... .
Real estate owned other than bank premises ....................... .
CustomPrs' liabilitv to this bank on acceptances outs:tanding ........ .
Other assets ..................... .

527,726.92 1,012,689.63
536,540.14
604,883.60 None
2,150,308.18
36,296.72 :\'one :'\one 321.81

Total Assets .................. $ 4,868, 767.00

LIABILITIES
Demand deposits ......... $ Time and savings deposits .... Deposits of U.S. Government ... De~o~i~s of States and political sub-
diVIsions ..................... Deposits of banks .............. Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding .............. Other liabilities .................. Capital notes and debcntuns ....... . Preferred stock ............... Common stock ............... Surplus ....................... Undivided profits ............ Reserves ...................

2,605,843.94 1,244,367.42
11 '741.36
390,012.59 10,000.00 8,381.90 None
None 195,984.70
None None 100,000.00 150,000.00 152,435.09 None

Total Liabilities ............... $ 4,868, 767.00

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE PEOPLES BANK Cleveland (White) , Ga.

As called for by the Superintendent of Banks

J. L. NIX,
President. Date of Charter: 12-11-1945

LINDA H. BROWN, Cashier.
Began Business: 7-1-1946

ASSETS
Cash. balances with otht.'r banks. and cash itPms in nrocess of collection .. $
United States Government obligations. direct and guaranteed......
Obligations of States and political subdivisions . . . . . . . . . . . . . . . . . . . . .
Securities of Fed('ral agencies and coroorations not g u a rant e e d by
u.s. . . . . . . . . . . . . . . . . . . . . . . . . . . .
Other securities, cornorate stocks and stock in f,-..deral Reserve Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank prt.'miscs, furniture and fixtures. and other ass<'ts representing bank prt.'miscs . . . . . . . . . . . . . . . . . . . . . . . .
Real e<;tate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptanc<>s outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .

485,257.61 541.683.04 353,739.54
124.950.00
~on?
2,340.670.'!9
58,8~6.16
1.CO Nonr229.78

Total Assets .................. $ '!,905,427.52

LIABILITIES
Demand deposits ............. $ Time and savin{{s deposits ........ . Deposits of U. S. Government .... Deposits of States and political sub-
divisions ......... , .... , , .. D(posits of banks ........... , . Certifi('d and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ................ Other liabilities ................. Capital notes and debentures ....... Pref('rred stock ..... , ........ Common stock ............ Surulus ......................... . Undivided profits ............. Reserves .........................

1,624,576.42 1,495,474.39
35,690.92
385,312.89 None
'!1,209.58 :KunP
~one
Nonf' None Nont> 70.000.00 140,000.00 123.16'!.32 None

Total Liabilities ...... $ 3,905,427.52

FORTY-SIXTH ANNUAL REPORT

37

STATEMENT

Showing condition at the close of business December 31, 1965, of

COOK BANKING COMPANY Cochran (Bleckley), Ga.

As called for by the Superintendent of Banks

J. LUTHER HORNE, President.
Date of Charter: 4-24-1942

ELIZABETH ATTAWAY,
Cashier. Began Business: 7-1-1942

ASSETS
Cash, balances with other banks, and cash items in process of collcctio!l $
United States Gov{'rnment obliga-
tions direct and guaranteed ..... . Obligations of Stat'es and political
subdivisions .................... . Securities of Federal agencies and
cornorations not guaranteed by
u.s.
Other securitiC's, cornorate stocks and stock in F(deral Resnve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures.
and other assets representing bank
premises ....................... Real estate owned other than bank
prt"mises ....................... . Customers' liability to this bank on
acceptances outstanding ........ . Other assets ..................... .

437,504.98 464,353.63 308,078.73
149,937.:>0
~one
2,054,876.23
30,600.00 4,162.86
1'\one 7.510.19

LIABILITIES
Demand deposits ............ $ Ttme and savmgs deposits ........ Deposits of U. S. Government ..... .
DJi~t:it~n~f. ~~~~~s. -~~~. :~~i.t~~~~- .s~~:
Dcposi ts of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding . o o Other liabilities ....... Capital notes and debentures ....... . Preferred stock ................. . Common stock ............... Surplus ........ Undivided profits .. o o. o o Reserves ....... o. o. o o

1,350,158.68 1,309,344.05
20,100.79
470,46:i.80 None
4.291.38 None
None None None None 90,000.00 150,000.00 47,663.42 15,000.00

Total Assets ..................$ 3,457,024.12

Total Liabilities .............. $ 3,457,024.12

--- -------------------'---------------------

STATEMENT

Showing condition at the close of business December 31, 1965, of

STATE BANK OF COCHRAN Cochran (Bleckley), Ga.

As called for by the Superintendent of Banks

L. D. GRIFFIN, President.
Date of Charter: 12-22-1921

T. E. HOWELL,
Cashier. Began Business: 1-5-1922

ASSETS
Cash, balances with other banks. and cash items in process of collection .. $
United States Government obliga~ tions, direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not g u a rant e e d by
Otuh.esr. securities,corporatestocksand
'itock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank pr~ises, furniture and fixtures,
and other assets representing bank premises . 0 0 0. Real estate owned other than bank premises .. o. o. o. o o o. o o. o o o Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .

698,586.69 940,475.97 883,785.92
314,892.12 1\Tone
2.1:i1,300.27
24.000.00 None )Jonc 1\"one

Total Assets ................. $ 5,013.040.97

LIABILITIES
Demand deposits ... $ Time and savings deposits .. o o. Deposits of U. S. Government . o Deposits of States and political sub-
divisions ....................... . Deposits of banks ........... o. o Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptauces executed by or for ac-
count of this bank and outstanding ....... o o. o o. o o Other liabilities o ................. . Capital notes and debentures ....... . Preferred stock ................ . Common stock o o o o o Surolus ........ o o Undivided profits .............. Reserves ......... o o.

1.736.891.03 2,072.368.86
58,694.35
772.240.63 l\"one
6,591.40
~one
None 89.679.99
None None 100,000.00 120.000.00 46,574.71 10,000.00

Total Liabilities ....... $ 5,013,040.97

38

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF COLLEGE PARK College Park (Fulton), Ga.

As called for by the Superintendent of Banks

J. N. WALKER, President.
Date of Charter: 10-3-1945

ASSETS
Cash, balances with other banks: and c~sh items in nroccss of collr-ct1o.n. $
Cmted StatC's Gnvernment obligations, direct and guaranteed ..... .
Obligation~ of States and political subdivisions .................... .
S!:'curitic-s of Federal agencies and coroorations not guaran t<'ed by U.S........................... .
OthPr securities, cornoratP stock<; and stock in FPdt"ral Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premisPs, furniture and fixtures, and other assets representing bank premisPs .......................
Real estate owned other than bank premises ....................... .
Customers' liabilitv to this bank on acceptances outs:tanding ........ .
Other assets ..................... .

1,17i,817.2'2 1,862.507.30
501,774.96
825,126.115 :\one
2, 770,435.74
55,346.81
None ;\one-
62,045.14

Total Assets ..................$ 7,25'i,05:l.22

CHAS. T. WASHINGTO~,
Cashier. Began Business: 1-7-1946
- - -- -------------- - - - - - - - - -

LIABILITIES
Demand depo:-.its ............. $ Time and savings deposits ...... Deposits oi U. S. Government .... Deposits of States and political sub-
divisions ................. Deposits of banks .... Certified and officers' checks, etc .. ,. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin~ ..................... OthfT liabilities .............. Capital notes and debentures ....... . Preferred stock .............. Common stock ................ Surplus ..................... Undivided profits ............ Re-serves ................

3,779,ll91.8:"> 2,053,4 71.23
56,357.24
724,439.29 None
5,321.45 !'\one
None 188,248.99
None None 150,000.00 187,500.00 8o.623.17 25,000.00

Total Liabilities .............. $ 7,255,053.22

STATEMENT

Showing condition at the close of business December 31, 1965, of

CITIZENS BANK Colquitt (Miller), Ga.

As called for by the Superintendent of Banks

G. C. JINKS, SR. President.
Da~ of Charter: 3-24-1924.

G. C. JINKS, JR., Cashier.
Began Buaineu: 4-21-1924.

ASSETS
Cash. balances with other banks, and cash itf"ms in process of collection.$
United Stat<>s Governme-nt obligations, direct and guarantcPd ..... .
Obli~a~i?r:s of States and political SubdiVISIOnS ........ , . , , , . , ..... .
Securities of Federal agcncit>s and coroorations not guar~anteed by
u.s........................... .
OthPr securities, cornorate stocks and stock in Ff'deral Reserve Bank ....
Loans and discounts, including over-
drafts .................. . Bank prt>mises. furnitun and fixtnres,
and other assets reprcscntin{ bank premises ....................... . Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets .....................

1,013,402.17 1,419,049.82
244,815.55
299,406.26
~one
3,000,220.88
63,448.71 :\Tone

Total Assets .................. $ 6.040,343.39

LIABILITIES
Demand deposits .......... $ Time and savin~s deposits ........ Deposits of U. S. Government .... Deposits of States and political sub-
divisions ............. D,'p')sits of banks .... Certified and officers' checks, etc.... Other liabilities for borrowed monPy. Acceptancf's executed by or for ac-
count of this bank and outstandin~ ...................... Other liabilities . Capital notes and debentures ....... . Prefe-rred stock ............ Common stock .....
"urolu5 .................. Undivided profits ............. Reserves .................

2,936,226.02 2,103,271.85
28,346.68
465,133.07 None
21,048.79 None
None 49,701.76
None None 100,000.00 300,000.00 36,61.1.22 1\~ one

Total Liabilities ............... $ 6,040,343.39

FORTY-SIXTH ANNUAL REPORT

39

STATEMENT

Showing condition at the close of business December 31, 1965, of

COLUMBUS BANK AND TRUST COMPANY Columbus (Muscogee), Ga.

As called for by the Superintendent of Banks

JAS. W. BLANCHARD,
President. Date of Charter: 12-24-1888

HOWARD R. PARK, JR.,
Cashier. Began Business: 4-1-1889

ASSETS

Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obli~a~i?~s of States and political

9,033,837.35 8,971,611.11

SubdtVISIOllS , . , ,
Securities of Federal agencies and coroorations not guaranteed by
u.s.
Other securities, coruorate stock-; and stock in Fr-deral Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises .... o o o o o o o o o o o o o. o. o o o.
Customers' liability to this bank on acceptances outstanding . 0 0 0 0 0
Other assets ... o o o o o o o o o

7,950,430.87
None 155,188.50 33.142.492.C2
2.119.204.40 None None
425,893.49

Total Assets ................. $ 61,798,657.74

LIABILITIES

$ Demand deposits . o o. o o o.

Time and savin{{s dcposi ts ... o

Deposits of U. S. Government ..... .

Deposits of States and political sub-

divisions .... o o o

Deposits of banks ..... o

Certified and officers' checks, etc....

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing ............ o o

Other liabilities . o

Capital notes and debentures ....... .

Preferred stock o

Common stock . o o o o

Surplus

o o o. o

Undivided profits ...........

Reserves 0

24,470.163.84 18.580,427.18
1,317.563.44
7,704.724.79 1,372.34 7.06
204,441.92 None
None 1,876,452.66
None None 1,700,000.00 3,300,000.00 1,171,731.02 100,805.83

Total Liabilities ............... $ 61,798,657.74

STATEMENT

Showing condition at the close of business December 31, 1965, of

TRUST COMPANY OF COLUMBUS Columbus (Muscogee), Ga.

As called for by the Superintendent of Banks

F. G. LUMPKIN, JR.
Pre~ident.
Date of Charter: 3-19-1954

H. L. GEORGE, Secretary and Treasurer. Began Business: 3-19-1954

ASSETS
Cash balances with other hanks, and ca;h items in process 'of collectio_n .. $
rnitt>d States Government obhgations, direct and guaranteed ..... .
Ohli~a~i?~s of S!ates and political subdiVISIOns ..... .... ..
Securities of F~deral agencies and corporations not guaranteed by
v s......................
Oth(r securitie'>, rorn(ratc stocks and ~tot:k in Federal Rc~cne Bank .. o.
}J:.a.ns and discounts, in<"luding over rl;afts ........................
lhnk premises, furniture and fixtures, and otlu:r a'>sdo: rcpre~;enting bank premises .................. o
Real e<>tate owned other than bank .., premises, .: . . : : : o o o Customers ,:J.bt1:.ty to thr~ bank on
acceptances outstanding ........ . Other asset'> . . . . . . . . . . . . . . o o
T0tal Assets . ~ ............... $

77,402.34 None
52,756.83
None 1,510.46 974,883.59
705.15 123,308.66
~one
3.136.94 1.233. 703.97

LIABILITIES

$ Demand deposits .... o

Time and savings deposits .. o Drposits of U. S. Government ... o o.
Dcpo'iits of States and political sub-

divisions .... o o Deposits of banks ...........

Cf-rtified and officers' checks, etc.. o Other liabilities for borrmved money.

Acceptances executed by or for ac-

count of this bank and outstand-

. . . . . . . . . . in~

o o o o.

Other liabilities ........... o o

Caoital notes and debentures ....... .

Preferred stock o o

Common stock ..

Surplus ......................... .

Undivided profits ................ .

Reserves ............. o o o

None 469.949.04
None
None None None
~one
None 198,701.94
None None 100,000.00 200,000.00 265,052.99 None

Total Liabilities .............. $ 1,233,703.97

40

DEPARTMENT OF BANKING

. ----- --------

STATEMENT

Showing condition at the close of business December 31, 1965, of

MERCHANTS AND FARMERS BANK Comer (Madison), Ga.

As called for by the Superintendent of Banks

JOHN H. TERRELL, J&
President.
Date of Charter: 10-3-1935
ASSETS
Cash, balances with other banks. and cash items in orocess of collection."$
United States Government obliga- tions. direct and guaranteed ..... .
Obli~ations of States and political subdivisions .................... .
Securities of Federal agencies and cornorations not guaran tf' ed by U.S........................... .
Otht'r sC'curities. coroorate stock<; and stock in FC'deral Reserve Bank ....
Loans and discounts, including overdrafts .................. ...
Bank premises, furniture and fixtnres, and othf'r assets representing bank premises .......................
Real estate owned othC'r than bank premises ....................... .
CustomPrs' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

MRS. M. B. BOOTH,

Cashier.

Began Business: 10-10-1935
================~

3!2, 186.79 938,69!.30 46,314.61
None None 657,928.22
5,032.67 None

LIABILITIES
D~mand deposits .................. $ Time and savings deposits ........ . Deposits of U.S. Government ..... . Depo~i.ts of States and political sub-
diVISIOns .... , .... , ... , . :, .... , ..
Drposits of banks ................ . Certified and officers' checks, etc ... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding .......................... Other liabilities .................. . Capital notes and debentur,._:, .... , .. .
Preferred stock ................ . Common stock ................. . Surplus ...................... , .. . l:ndivided profits ................ . Reserve:; .........................

1,235,231.35 298,810.26 23,306.86
149,905.37 1'\one
5,692.12 None
1\ one None :i\7one None 50,000.00 50,000.00 148,018.29 :'\one

None 810.66

Total Assets ................. $ 1,960,964.25 ----------------

Total Liabilities ............... $ 1,960,964.25

STATEMENT

Showing condition at the close of business December 31, 1965, of

NORTHEASTERN BANKING COMPANY Commerce (Jackson) , Ga.

As called for by the Superintendent of Banks

R. M. DAVIDSON, President.
Date of Charter: 8-25-1891

ALLEN S. PHILLIPS, Cashier.
Began Business: 1892

ASSETS

Cash, balances with other banks, and

cash itf'ms in process of collf'ction. $ United States Government obliga-

ObltiigoCnJs~.i?~d'iirecotf

and guaranteed ... Staies and political

subdiVIsiOns ............. Se-curities of Federal agencies and

uco.sro.ora.t.i.o.n.s. .n. o. t. . .g.u. a. .r.a.n.t.e.e. d. . .b.y.

Other securitiPs, cornorate stock<; and

stock in Federal Reserve Bank....

Loans and discounts, including over-

drafts ................. Bank premises. furniture and fixtnres,

and other assets representing bank

premises ................ Real estate owned other than bank

premises . . . . . . . . . . . . . . . . . . . . . . . .

Customcrs' liability to this bank on

acceptances outstanding . . . . . . . . .

Other assets . . . . . . . . . . . . . . . . . . . . . .

i47.933.99 1,121,511.2i
5,000.CO
300.000.00 6,000.00
I ,447,421.29
144.321.9'i None None None

Total Assets .................. $ 3, 772,188.50

LIABILITIES
Demand deposits . $ Time and savings deposits .. Deposits of U. S. Government ..... .
Ddi~f:f~n~f. ~~~:es .a.~~. :~~i~:~al ~~~:
Deposits of banks ........ Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand
ing .. Other iiabilities ................. .. Capital notes and debentures .......
Preferred stock ...... Common stock .. Surpius Undivided profits ............... .. Reserves .....

1 ,860,551.65 1,173,467.32
46,989.17
388,693.60 None
16,347.42 None
None 4,757.71
None None 75,000.00 125,000.00 71,045.63 10,336.00

Total Liabilities ............... $ 3,772,188.50

FORTY-SIXTH ANNUAL REPORT

41

STATEMENT
Showing condition at the close of business December 31, 1965, of CONCORD BANKING COMPANY Concord (Pike), Ga.
As called for by the Superintendent of Banks

R. H. STRICKLAND, SR., President.
Date of Charter: 10-29-1903

MRS. KATHRYN BARKER, Cashier.
Began Business: 11-18-1903

ASSETS
Cash. balances with other b~nks, and cash items in nrocess of collection .. $
United States Government obligations. direct and guaranteed ..... .
Obliga~i<_>f!S of States and political
subdJVISIOTIS , , , . ,
Securi ties of Federal agencies and cornorations not guaranteed by
u.s.
Other securities, coroorate stock<; and stock in F"deral Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ......................
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

229,186.72 220,453.38
None
139,687.50 None
62,052.33
936.84 1.00
None None 652,317.77

LIABILITIES
Demand deposits ... $ Time and savings deposits -;- Deposits of U. S. Government ..... .
DeJi~i~it~n~f. ~~~~~s.a.~~. ~~~i~:c.~l. ~~~~
Deposits of banks .......... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding Other liabilities Capital notes and debentures ....... . Preferred stock ................. . Common stock Surplus Undivided profits Reserves ...

401,172.43 150,501.98
4,223.48
45,567.78 None 382.73 None
None None None None 25,000.00 15,000.00 10,469.37 None

Total Liabilities .. $ 652,317.77

STATEMENT Showing condition at the close of business December 31, 1965, of
BANK OF ROCKDALE Conyers (Rockdale) , Ga. As called for by the Superintendent of Banks

J.P. CULPEPPER, JR., President.
Date of Charter: 10-15-1891

CHAS. R. STANLEY, Cashier.
Began Business: 6-1901

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obliga~i?'!S of States and political subdtvtstons ....................
Securities of Federal agencies and
cuo.rsp.o.r.a.t i.o.n.s. .n.o.t. .g. .u.a.r.a.n. .t.e.e.d. . .b y.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including over drafts .......................
Bank premises, furniture and fixtures, and other assets representing bank premises .
Real estate owned other than bank premises .......
Customers' liability to this bank on acceptances outstanding .......
Other assets .....................

933,432.7:1 1,170,218.10 1,009,994.19
200,000.00 None
3,463,796.46
168,011.45 None None
25,205.18

Total Assets ..... $ 6,970,6:>8.11

LIABILITIES
Demand deposits $ Time and savings deposits Deposits of U. S. Government .... Deposits of States and political sub-
divisions ...................... Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptauces executed by or ft>r ac-
count of this bank and outstanding ............... Other liabilities . Capital notes and debentures ....... . Preferred stock ................ Common stock ... Surplus ................ Undivided profits ....... Reserves ...

3,160,693.59 1,722,723.25
150,058.99
1,161,919.33 None
14,743.00 None
None 177,691.42
None None 200,000.00 300.000.00 42,828.53 40,000.00

Total Liabilities .............. $ 6,970,658.11

42

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of FARMERS AND MERCHANTS BANK OF COOLIDGE Coolidge (Thomas), Ga.

As called for by the Superintendent of Banks

MICHEL DeLOACH, President.
Date of Charter: 12-18-1911

W. C. GIBSON,
Cashier. Began Business: 1.1-20-1911

ASSETS

Cash balances with other banks, and

cash items in urocess of collection .. $ United States Government obliga-

109,797.27

tions, direct and guaranteed ..... . Obliga~i<;n"!s of States and political

375,451.48

subdrvrsrons .................... . Securities of FPderal agencies and

:Xone

coroorations not guaranteed by

U.S........................... . Other securities, corooratc stock'> and

149,500.00

stock in F.-.deral Reserve Bank .... Loans and discounts, including over-.

None

drafts ......................... . Bank premises, furniture and fixtures.

506.883.64

and other assets representing bank

premises ....................... .

20,695.92

Real estate owned other than bank

premises ......................

None

Customers' liability to this bank on

ac'*ptances outstanding . . . . . . . . .

::\'one

Other assets . . . . . . . . . . . . . . . . . . . . . .

2,516.68

-----

Total Assets .............. .'... $ 1,164,844.99

LIABILITIES
Demand deposits ............... $ Time and savings deposits ........ . Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ...................... Deposits of banks .......... , . Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ........................... Other liabilities ................. Capital notes and debentures ....... . Preferred stock . o o ,
Comnton stock ................ o.
Surplus .......... o o Undivided profits ............ o Reserves .......... o

542,664.53 292,170.73
3,276.76
131,440.94 5,000.00 2,181.09
35,000.00
None None None None 25,000.00 75,000.00 52,274.17 836.77

Total Liabilities ............ $ 1,164,844.99

STATEMENT Showing condition at the close of business December 31, 1965, of
CORDELE BANKING COMPANY Cordele (Crisp) , Ga.
As called for by the Superintendent of Banks

L. B. MADDOX, President.
Date of Charter: 5-31-1927

R. M. FLEEMAN, Cashier.
Began Business: 6-15-1927

ASSETS
Cash, balanccs with other bank~. and cash items in nroces-s of collect; on .. $
United States Government obligations, direct and guarantccd ..... o
Obligations of States and political subdivisions .... o o
Securities of Federal agencies and coroorations not guaranteed by
Othu.>sr. securities,cornoratestock<;and
stock in FPderal R('serve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixt11res,
and other assets representing bank premises . o o Real estate owned other than bank premises ............... o Customers' liability to this bank on acceptanct's outstanding ........ . Other assets ..................... .

1,032,024.85 1,480,893.13
15,000.00
1\'one 50,000.00 3.839.661X>
86.888 63 2()2.93
J'\)Jle
None

LIABILITIES

Demand deposits ............. o o $

Time and savings deposits .......

Deposits of U. S. Government ... o. o

Deposits of States and political sub

divisions ......... o o o

Deposits of banks . o o

Certified and officers' checks, etc....

Other liabilities for borrowed momy o

Acceptances executed by or for ac-

count of this bank and outstand-

. . . . . . . . . . in~

o o o. o

Other liabilities ........

Capital notes and debentures .... o o

Preferred stock ... o o. o

Common stock ............ o

Surolus ....... o o o

Undivided profits ................ .

Rt'ser\'('5 ........ 0. 0 0 0 0

4,432,394.55 1,371,283.15
24,069.84
434.163.11 None
17,76l.l9 None
None None None None 100,000.00 100.000.00 75.059.25 None

Totai Assets .................. $ 6Si4,731.fl9

Total Liabilities ............... $ 6,554,731.09

- - - - - - - -- - - - - - - - - - - - - - - - - - - - - - -

FORTY-SIXTH ANNUAL REPORT

43

STATEMENT

Showing condition at the close of business December 31, 1965, of

FIRST STATE BANK IN CORDELE Cordele (Crisp) , Ga.

As called for by the Superintendent of Banks

C. H. DENNING,
President. DatP. of Charter: 12-3-1938

F. P. COWN, Cashier.
Began Businesr.: 1-3-1939

ASSETS
Cash, balancPs with other banks. and cash items in nrocess of collect:on .. $
United States Governm{'nt obligations. direct and guaranteed ..... .
Oblie;3~ic;I!s of States and political
subdiVISIOllS , . , , , , , , , ,
Securities of Federlll agencies and coroorations not guar-anteed by
u.s.
Other securities, coroorate stock<> and stock in Fpderal Reserve Bank ....
Lmms and discounts, including overdrafts ......................... .
Bank prt>miscs, furniture and fixtnrP<>. and other a~sC'ts representing bank premises .......................
Real estate owned other than bank premises ....................... .
Customers' liabilitv to this hank on acceptances outStanding ........ .
Other assets ..................... .
Total Assets .................. $

1,626,206.86 1,260,019.41
626,153.22
None None 3,277, 135.72
47,759.04 None None
1,601.00 6,838,875.25

LIABILITIES

Demand deposits ................. $

Time and savings deposits ........ o

Deposits of U. S. Government . o

Deposits of States and political sub-

divisions ...... o o. o. o. o. o o

Deposits of banks . o o o. o o o o o o o

Certified and officers' checks, etc....

Other liabilities for borrowed money o

Acceptances executed by or for ac-

count of this bank and outstand-

ing

... o o. o o o 00 o o

Other liabilities ................. ..

Capital notes and debentures ....... .

Preferred stock ..... o o o

Common stock o o o o o o o

Surplus ........................

Undivided profits ............... ..

Reserves ... o. o o o o

3,590,045.05 1,560,400.24
94,906.30
830,786.20 122,519.38 60,014.85
None
None None None None 125,000.00 125,000.00 179,286.77 150.916.46

Total Liabilities ............... $ 6,838,375.25

STATEMENT

Showing condition at the close of business December 31, 1965, of

CORNELIA BANK Cornelia (Habersham), Ga.

As called for by the Superintendent of Banks

c. C. KIMSEY,

C. C. KIMSEY, JR.,

President.

Cashier.

Date of Charter: 7-3-1900

Began Business: 8-4-1900

_-------------==============~~==~==========================

ASSETS
Cash. balances with other hl'lnks. and cash itPms in nrocess of colhct:on .. $
United States Government obligations. direct and guaranteed ..... .
Oblie:{i!i<;~s of States and political subdi\'ISIOllS ......... , .. , .... , . o
Securities of Federal agencies and cortJorations not guaranteed by
u.s.
Other sPcuritif's, cornorate stocks and stock in Ff'dt.'ral Reserve Bank ....
Lo~ms and discounts, including overdrafts ......................... .
Bank premises, furnitun and fixt"rt'S, and other assets representing bank premises ....................... .
Real f'statc owned other than bank premises ....................... .
Customers' liability to this bank on <lCCf'ptances outstap.ding ........ .
()thcr assets ..................... .

760,308.36 2,233,573.68
947.82.'i.~li
120.fl[;l).[l(l X one
3,-134,864.73
98.643.40 :;zR.nn 1'\one X ow~

LIABILITIES
Demand deposits .................. $ Time and savings deposits o o o Deposits of U. S. Government . o Deposits of States and political sub
divisions .................. o Deposits of banks ......... o o o Certified and officers' checks, etc. o Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstand ing- . . . . . . . . . . . . . . . . . . . o o o Other liabilities .................. . Capital notes and debentures ....... . Preferred stock .. o o o o Common stock o o o o o o o. o. Surplus .............. o o o U ndividcd profits .... o o o o o Reserves ...... o o o

3,401,187.63 2,730,540.78
47,306.81
583.331 94 fiQ.495.8S Ill _6efi. 7'> 'I'\ one
None 155,812.71
None None 200,000.00 200,000.00 126,127.04 None

Total Assets .................. $ 7,595,543.54

Total Liabilities ............... $ 7,595.543.)4

44

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of
THE BANK OF COVINGTON Covington (Newton), Ga.

As called for by the Superintendent of Banks

R. R. FOWLER, President.
Date of Charter: 4-10-1901

J. B. WEAVER, Cashier.
Began_ Business: 4-10-1901

ASSETS
Cash, balances with other b"nks. and cash itf"ms in nrocess of collection .. $
United States Government obligations. direct and guaranteed ..... .
Obli~a~i'.li!S of States and political
subdJVISIODS , , , , , , ,
Securities of Federal agencies and
cuo_rso.o.r.a.t i.o.n.s. .n.o. t. . .g.u.a.r.a.n. .t e. .e.d. . .b y.
Other securities, cornorate stocko;. and stock in Ff'deral Reserve Bank ....
Loans and discounts, including over-
drafts ......................... Bank premises, furniture and fixtllre"'.
and other assets representing bank premises ....................... . Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets .....................

1,349,201.47 3,134,524.10
662,702.31
None None 3,074,158.19
20,321.04 None None
19,918.44

Total Assets ................. . $ 3,260,825..15

LIABILITIES

Demand deposits ...... $

Time and savings deposits ....

Deposits of U. S. Government .__ .

Deposits of States and political sub

divisions ... o o o o o

Deposits of banks ...........

Certified and officers' checks, etc....

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

in.~

..... o o

Other liabilities ................

Capital notes and debentures .... 0

Preferred stock ..........

Common stock ..... o o

Surplus .....................

Undivided profits .........

Reserves .. o

3,924,133.52 2,659,171.56
6':1,150.94
781,832.49 None 819.35 None
~one
122,776.04 None None
.200,000.00 1'100,000.00 102,941.65
None

Total Liabilities .... $ 8,260,825.55

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE COMMERCIAL BANK Crawford (Oglethorpe), Ga.

As called for by the Superintendent of Banks

E. H. FURCRON, President.
Date of Charter: 9-2-192.4

W. M. FAUST, Cashier.
Began Business: 9-5-1924

ASSETS
Cash, balances with other banks, and cash items in process of collection.$
United States Government obligations, direct and guaranteed......
Obliga~i'?'!S of States and political
SUbdiVISIOnS . , . .... , Securities of Federal agencies and
cuo.srp.ora.t.i.o.n.s..n.o. t.. .g.u.a. .r.a.n.t.e.e.d.. .b.y.
Other securities, corporate stocks and stock in Federal Reserve Bank. . . .
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . .. .
Bank premises, furniture and fixtures, and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . .
Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .

395,299.58 645,453.51 16.1,7'24.89
30,000.00 None
1,250,988.00
33,500.00 None Non"'
6,450.31

Total Assets .................. $ 2,527,416.29

LIABILITIES
Demand deposits ..... $ Time and savings deposits .. o Deposits of U. S. Government . Del!o~i~s of States and political sub
diVISIODS , , , , o, o o o,,, o,,,.,
Deposits of banks ...... o o o oo Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
ing .. ooooo Other liabilities ........... Capital notes and debentures ....... .
Preferred stock ..... o. o Common stock ...... Surplus ...................... o Undivided profits ................ . Reserves o o o o. o o

1,159.8!i1.57 944,018.71 4506.44
214,G05.48 None
9,842.51 None
None 26,000.00
None None 50,000.00 115,000.00 4,191.58 None

Total Liabilities ... $ 2,527,416.29

FORTY-SIXTH ANNUAL REPORT

45

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE PEOPLES BANK Crawfordville (Taliaferro), Ga.

As called for by the Superintendent of Banks

G. E. WILLIAMS, SR., President.
Date of 9harter: 12-8-1947

E. W. REYNOLDS,, Cashier.
Began Business: 1-2-1948

ASSETS
Cash, balances with other bonks. and cash itPms in nrocess of collectlon .. $
United Stqtes Government. obliga tions. direct and g-uaranteed......
Obli~~~i~~~ of States and political subd1vtstons . . . . . . . . . . . . . . . . . . . . .
Securities of Federal agencies and corTJorations not guaranteed by U.S. . . . . . . . .. .. . . . . .. .. .. .. . . . .
Other securities, cornorate stockc;; and stock in F~"deral Reserve Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtnre<:. and other assets representin~ bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .
Total Assets ................. :$

406,835.78 600,783.57
None
None None 686,361.11
14,254.19 None None None
1,708,734.fi5

LIABILITIES
Demand deposits ................. $ Time and savings deposits Deposits of U. S. Government ....
DJi~H~n~f. ~~~~es .a.~~. ~~~i~:c.~l. ~~~:
Deposits of banks ................ . Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand ing ........................... . Other liabilities , , , Capital notes and debentures ....... Preferred stock ................. . Common stock ............... .. Surplus ......................... . Undivided profits , Reserves . o o

448.315.97 883,051.27
4,087.00
236,870.39 None
5,479.19 None
None None None None 25,000.00 85,000.(JO 20,930.83 None

Total Liabilities ............... $ 1, 708,734.65

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF CUMMING Cumming (Forsyth), Ga.

As called for by the Superintendent of Banks

ROY P. OTWELL, SR. President.
~>.ate of Charter: 10-11-1904

FURMAN T. STANS!i:LL Cashier.
Berran Business: 10-19-1904

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 1,905,031.40

United States Government obliga

tions, direct and guaranteed ..... 1,261,844.53

Obliga~i?~S of States and political

subdtVISlOns . . . . o o ,

164,110.0~

Securities of Federal agencies and

cuo.rsp.o.r.a.t i.o.n.s. .n.o.t. .g. .u.a.r.a.n. .t e. .e.d. . .b y.

179,906.25

Other securities, corporate stocks and

~tock in Federal Reserve Bank ....

100.00

Loans and discounts, including over-

drafts ...................... 3,640,358.15

Bank premises, furniture and fixtures,

and other assets representing bank

premises o

63,630.59

Real estate owned other than bank

premises 0 o. o. 0. 0 o o o

42,100.00

Customers' liability to this bank on

acceptances outstanding ....

None

Other

assets

.

-

.



...

.

.



.



.



.

-

-

-

None
--

Total Assets .................. $ 7,257,080.94

LIABILITIES

Demand deposits ................. $ Time and savings deposits
Deposits of U. S. Government ...
DJi~i!t~n~f. ~~~~es .a.~~. :~~i~ical ~~~:

Deposits of banks ......

Certified and officers' checks, etc...

Other liabilities for borrowed money.

Acceptances executed by. or for ac-

count of this bank and outstand-

ing ..... o. o o

Other liabilities ................. ..

Capital notes and debentures ....... .

Preferred stock ...........

Common stock ................ .

Surplus ......................... .

Undivided profits ................ .

Reserves

o

2,970,225.10 2,454,856.74
43,751.10
945,561.58 None
49,741.86 None
None None None None 200,000.00 350,000.00 242,944.56 None

Total Liabilities ............... $ 7,257,080.94

46

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

FORSYTH COUNTY BANK Cumming (Forsyth), Ga.

As called for by the Superintendent of Banks

LEON BOLING, President.
Date of Charter: 6-15-1964

JOHN V. STILLER, Cashier.
Began Bu_siness: 9-26-19~4

ASSETS

Cash. balancPs with other banks. and cash itPillS in nroccss of collection .. $
United States Government obli~a tions. direct and ~uarante-ed ..... .
Obli<!~~i~~s of States and political

442,259.88 1,224,482.18

subdJVlSIOTIS , , , , . , , , , ,

53,563.06

Securitics of FPderal agencies and

r:oroorations not guafan teed by
u.s.
Other securitiPs, cornoratc stock<; and

144,925.00

stock in Fnderal Rt'serve Bank ....

I\ one

Loans and discounts, including- over-

drafts ......................... I ,270,679.19

Bank premises, furniture and fixt1ues.

and othr-r assets representing bank

premises .......................

120,028.29

Real e<.,tate owned other than bank

premises ....................... .

Customen' liability to this bank on

acceptanc<:>s outstanding . . . . . . . . .

::-.:one

Other assets ...................... _ _ _1_,0_6_9_.9_3

Total Assets .................. $ 3,257,007.5:1

LIABILITIES

Demand deposits ................. $

Time and savings deposits

. 0. o o o o

o.

Deposits of U. S. Government . o. o

Deposits of States and political sub-

divisions ..... o. o o o o 0 0. o o o

Deposits of banks ..... , ..

Certified and officers' checks, etc... o

Other liabilities for borrowed money o

Acceptances executed by or for ac-

count of this bank and outstand-

in~

. o o. o. o o o 0 0 0

Other liabilities ... o o o o o o 0 o

Capital notes and debentures ....... .

Preferred stock ...... o 0 o

Common stock ... o o o o o o o

Surplus ...... o o o. o o o. o.

Undivided profits ................ .

Reserves ...... o. o o o o o o o. o o. o.

1,909,360.11 791 ,471.()3 8,053.82
189,349.58 None
14,418.13 None
None 20,461.U3
None None 100,000.00 !50,000.00 63,893.03 10,000.00

Total Liabilities ........... $ 3,257,007.53

STATEMENT

Showing condition at the close of business December 31, 1965, of

CITIZENS BANK Cuthbert (Randolph), Ga.

As called for by the Superintendent of Banks

C. O. JOHNSON, President.
Date of Charter: 2-7-1938

G. F. SEALY, Cashier.
Began Business: 3-1-1938

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
OblitSa~i<.n~s of States and political SubdiVISIOns .. , , , .. , ............ .
Securities of F cderal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

541,732.36 1,751,956.54
216,092.44
299,600.00 None
1,289,137.71
19,691.61 None None 555.RU
4,118,766.54

LIABILITIES
Demand deposits .............. $ Time and savings deposits o o o o o Deposits of U. S. Government . o o Deposits of States and political sub-
divisions ........ o o o o o o. o o o Deposits of banks ... o. o o. o o o o Certified and officers' checks, etc... Other liabilities for borrowed monf':y. Acceptances executed by or for ac-
count of this bank and outstandIng ......... o o o o Other liabilities ........ Capital notes and debentures ....... .
Preferred stock ....... o o o Common stock .... o - o o o o o o o Surplus ......................... Undivided profits ................ Reserves ......... o o o. o

2,353,360.67 789,013.i8 60,092.19
487,132.69 20,000.00 40,097.82 None
None 5,725.89
None None 125,000.00 !50,000.00 88,343.50 None

Total Liabilities ............... $ 4, 118,766.54

FORTY-SIXTH ANNUAL REPORT

47

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF DAHLONEGA Dahlonega (Lumpkin), Ga.

As called for by the Superintendent of Banks

J. F. SANDERS, President.
Date of Charter: 5-27-1914

ROBERT T. BROWN, Cashier.
Began Business: 5-27-1914

ASSETS
Cash, balances with other banks. and cash it<'ms in nrocC'sS of collection .. $
United States GoYernment obligations. direct and guaranteed ..... .
Obliga~i?t:S of States and political
subdJVISlOllS , . , ... , , . , .
SC"curities of Fednal agencies and coroorations not guaran tC'cd by u.s........................... .
Other securities, cornorate stock<; and stock in f,-.dcral Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank prt'mises ....................... .
Real estate owned other than bank premises ....................... .
Custome-rs' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

391,928.46 410,885.94 350,129.09
464,\41l.li1
~one
2,5)7,493.36
111,369.55 21,42:i.OO
None 2.sn.:J9

Total Assets ......... , ....... , $ 4.310,24H2

LIABILITIES
Demand deposits .......... $
Time and savings deposits ........ Deposits of U.S. Government ..... Deposits of States and political sub-
divisions ................ Dc-posits of banks ............. Ccrtifi('d and officers' checks, etc... Other liabilities for borrowed money. Acceptances txecut<'d by or for ac-
count of this bank and outstand-
in.g ............. Other liabilities .. Capital notes and debentures ....... .
Preferred stock .............. Common stock ........... Surplus ................. Undivided profits ..... , .. Reserves .....

1,805,097.36 1,462.11Gii.!i9
61,997.63
605,593.43 Non('
20,076.75 :\one
N'onc I\~ o n e None Kone 100,000.00 250,000.00 5,412.56 None

Total Liabilities .. , ............ $ 4,310,244.42

STATEMENT Showing condition at the close of business December 31, 1965, of
THE CITIZENS BANK OF DALLAS Dallas (Paulding), Ga.
As called for by the Superintendent of Banks

E. P. AUSTIN, President.
Date or Charter: 7-23-1962

RAYMOND E. STANFORD,
Cashier. Began Business: 3-15-1963

ASSETS
Cash. balances with other b;:~nks. and
cash itPIU<; in nrocess of coll('ctinn .. $
United States Government obligations. direct and guaranteed......
OhliP:~ti~~" of States and political subdJVISlOns . . . . . . . . . . . . . . . . . . . . .
Securities of Federal agencies and coruorations not guaranteed by u.s. . . . . . . . . . . . . . . . . . . . . . . . . . . .
Other sC'cur;tit'S, c:ornorate stock<> and stock in F"dcral Reserve Bank....
Loans and discounts, jncludin~ ov"rdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises. furniture and fixttreo;, and othc-r assets representing bank premises . , . . . . . . . . . . . . . . . . . . . . . .
Real estate ownf'd other than bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on 8cceptanc"s outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .
Total Assets ..... , , ........... $

583,890.37 478,291.46
Nmw
50,0011.00 None
602,824.40
51,802.64 None None )i one
1,766,808.87

LIABILITIES
Demand deposits ......... $
Time and savings deposits .......
Deposits of U.S. Government ....
Depo<>its of States and political subdivisions .................
Deposits of banks ........... C"rtified and officers' checks, etc... Other liabilities for borrowed money. Acceptances Pxecuted by or for ac-
count of this bank and outstandin!S ........................ Other liabilities ................. Capital notes and debentures ....... Preferred stock .... Common stock ... Surplus ........................ llndivided profits ....... Rf'serves ...............

622,120.G9 579,830.72
17,008.88
321,255.33 :'\one
8.499 79 )..'one
~one
15,908.10
~one
None
1070o..0o0ro0..o0o0
32.185.16 :"Jone

Total Liabilities .............. $ I, 766,808.87

48

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE BANK OF DALTON Dalton (Whitfield), Ga.

As called for by the Superintendent of Banks

JAMES J. COPELAN}), President.
Date of Charter: 12-26-1911

MARGARET MAULDIN, Cashier.
;Began Business: 10-12-1912

ASSETS
Cash. balances with other banks. and cash itPms in nrocf'SS of collection .. $
Unite-d St::t.tes Govr-rnment obliga-
tions. direct and guaranteed...... Oblig<1tions of States and political
subrlivisions . . . . . . . . . . . . . . . . . . . . Securities of FPderal agenci('s and
corrJOrations not guaran tC'ed by
U.S. . .. Other sccuritiP"i, cornoratc stock.;; and
stock in Ff'deral Re<;ervc B::tnk.... Lo-::tns and discounts, includin~ ovcr-
drafts ..... ........... ... Bank premises. furniture and fixtlrt"'
and other assets rcpresentin~ bank premi'e' .. .. .. .. .. .. .. .. .. .. .. .. Rt>al ('<;tate owned othC'r than bank premisC's . . . . . . . . . . . . . . . . . . . . . . . . Customf'rs' liability to this bank on ~Ccf'ptancC's outstanding . . . . . . . . . Other assets . . . . . . . . . . . . . . . . . . . . . .

1,215,507.13 2,423,245.60
376,937.22
None 2.(.0
3,429,06U9
9B,411.31 X on: X onr
5,127.94

Total Assets .................. $ 7,'i48,29'i.39

LIABILITIES
Den1and deposits ............... $ Time and savings deposits ... o o. 0 Deposits of U. S. Government ... o_. o Deposits of States and political sub~
divisions ................ o Dcposi ts of banks o o Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ........ o o o o. o o o. o o o Other liabilities .................. . Capital notes and debentures ....... . Preferred stock .... o Common stock ... o Surplus ......................... 0 Undivided profits.,,,,,,, .. ,,., .. . Reserve::; . . . . . . . . o o o. o o

2,424,816.:>2 2,481 ,9'L3.96
191,8~5.41
I ,586,121l.05 None
17,477.20 None
None 242,626.Y1
None None 200,000.00 200,000.00 171,080.08 32,397.26

Total Liabilities . , .. , , , , , , , $ 7,548,295.3!)

STATEMENT

Showing condition at the close of business December 31, 1965, of

HARDWICK BANK & TRUST COMPANY Dalton (Whitfield), Ga.

As called for by the Superintendent of Banks

F. L. WILLIAMSON,
President. Date of Charter: 2-17-1922

CHAS. E. BOLDEN,
Cashier. Began Business: 2-20-1922

ASSETS
Cash. balances with other banks. and cash itr-ms in procr-ss of collection .. $
Unitcd StatC's Government obligations. direct and guaranteC'd......
Oblig-a~i<:>~s of States and political subdJvi"ons ....... , .......... , . .
Securities of Federal agC'nc:ies and corporations not guaranteed by U.S. . . . . . . . . . . . . . . . . . . . . . . . . . . .
Other st>curiti('s, corporate stocks and stock in Federal Reserve Bank....
Loans and discounts, including overdrafts .... , ....... , , ........ , , . ,
Bank prC'miscs, furniture and fixtures, and othC'r assets rC'prcscnting bank premises , .. , .... , ....... , .. , . . . .
Real rstatc owned other than bank premises .......... , .......... , . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . , .... , , ... , . , . , ..... ,

2,068,750.14 4,366,864.53 1,215,123.98
None 5,000.00 9,487,223.91
194,871.19 20,771.24
None 904.01

Total Assets . , .. , .. , .... , , .. , . $ 17,359,509.00

LIABILITIES
Demand deposits , , , , .. , . , , $ Time and savings deposits . o o o Deposits of U, S. Government , . , D('posits of States and political sub-
divisions ............ o 0 0 Df'posi ts of banks ............ o Certified and officers' checks, etc.... Other liabilities for borrowed money 0 Acceptances executed by or for ac-
count of this bank and outstand~ ing ........ 0 0 o 0 0 0 oo 0 Other liabilities ....... o o 0 0. 0. Capital notes and debentures .... o Preferred stock ... o o. o. Common stock o o o o o. o o. o Surplus .... , .... , .... , , . , , , , . , . , , Undivided profits . , , , . , , , , . , , . , , . , Rt>serves . . o. o o. o 0. o o 0. 0.

9,428,606. 74 5,084,210.84
502,885.96
674,102.91
~one
150,599.89 None
None 258,681.25
None None 250,000.00 800,000.00 210,419.41 None

Total Liabilities $ 17,359,509.00

FORTY-SIXTH ANNUAL REPORT

49

STATEMENT Showing condition at the close of business December 31, 1965, of
BANK OF DANIELSVILLE Danielsville (Madison), Ga. As called for by the Superintendent of Banks

ELCOE HUFF,
President T)~te of Charter: 12-11-1907

GEO. N. STOVALL, Cashier.
Began Business: 1-15-1908

ASSETS

Cash, balances with other banks. and cash items in nrocess of collt>ct;nn .. $

276,622.51

United States Government obligations, direct and guaranteed ..... .

901,574.00

Obliga~i?~s of States and political
subdiVISIODS , , ,

92,824.85

Securities of Federal agt'ncies and

coroorations not guaranteed by
u.s.
Othc:'r securitif's, cornorate stock<; and stock in FPderal Reserve Bank ....

424,250.00 None

Loans and discounts, including overdrafts ......................... .

398,896.10

Bank premises, furniture and fixture-.,

and other assets representing bank premises .......................

13,063.94

Real estate owned other than bank premises ....................... .

4,700.00

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other

assets

.....................

.

-

-

-

None
--

Total Assets .................. $ 2,111,931.40

LIABILITIES
Demand deposits ................. $ Time and savings deposits Deposits of U. S. Government ...
DJi~i!it~n~f. ~~~~es .a.~. :~~i~:~al ~~~~
Deposits of banks ................ . Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding Other liabilities Capital notes and debentures ....... . Preferred stock .......... Common stock Surplus ...... : ................. .. Undivided profits ................ . Reserves ...

1,196,579.31 402,252.CJ7 3,711.85
249,813.19 None
2,327.31 None
None 5,250.00
None None 35,000.00 65,000.00 151,997.17 None

Total Liabilities ............... $ 2,111,931.40

STATEMENT

Showing condition at the close of business December 31, 1965, of
THE DARIEN BANK Darien (Mcintosh), Ga.
As called for by the Superintendent of Banks

EDWARD R. GRAY, JR., President.
Date of Charter: 12-8-1888

P. E. CLARK, JR., Cashier.
Began Business: 1-24-1889

ASSETS
Cash, balances with other banks, and cash items in process of collection $
United States Government obligations, direct and guaranteed ....
Obliga~i?'!S of States and political SUbdiVlSIOnS .........
Securities of Federal agencies and
cuo.rsp.o.r.a.t i.o.n.s. .n.o.t. .g. .u.a.r.a.n. .t e. .e.d. . .b y.
Other securities, corporate stocks and ~tock in Federal Reserve Bank ...
Loans and discounts, including overdrafts .....................
Bank premises, furniture and fixtures, and other assets representing bank premises
Real estate owned other than bank premises
Customers' liability to this bank on acceptances outstanding ..
Other assets ....

280,370.13 722,895.90 407,554.14
74,531.25 None
1,238,985.74
31,801.00 None None None

Total Assets .................. $ 2,756,138.16

LIABILITIES
Demand deposits ................. $ Time and savings deposits Deposits of U. S. Government .
DJi~is;i~n~f. ~~~~~sa.~~. ~~~i~~~~~- ~~~~
Deposits of banks ....... Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ... Other liabilities .................. . Capital notes and debentures ....... Preferred stock ................ . Common stock Surplus ........................ .. Undivided profits ................ . Reserves

929,557.26 1,050,650.58
34,052.29
432,107.89 None
1,962.72 None
None 73,164.44
None None 50,000.00 75,000.00 109,642.98 None

Total Liabilities ............... $ 2,756,138.16

50

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF DAWSON Dawson (Terrell), Ga.

As called for by the Superintendent of Banks

ROGERS LOCKE, President.
Date of Charter: 6-29-1911

JACK EDWARDS, Cashier.
Began Businesa: 7-1-1911

ASSETS
Cash. balancr-s with other banks, and cash jtf'ms in nroccss of collection.$
United StatPs Government obligations. direct and guaranteed ..... .
Obliga!i~~s of States and political
subdiVISIOll._ .. , , , , , , , , , , , , , , ,
Securities of FedPral agencies and corporations not guaranteed by U.S........................... .
Other securities, corooratc stock" and stock in F"deral Reserve Bank ....
Loans and discounts, including overdrafts ................. ....... .
Bank pnmises, furniture and fixtllH'S, and other assets rcprt:>senting bank premises .......................
Real estate owned other than bank premises ....................... .
Customers' liabilitv to this hank on acceptances outs:tanding ........ .
Other assets ..................... .

I ,096,308.98 1,707,064.79
562,170.66
407,750.00 None
2,439,564.99
Ll,431.65 None None None

Total Assets .................. $ 6,226,291.07

LIABILITIES

Demand deposits ............ $

Time and savings deposits ... o o o. o o

Deposits of U. S. Government ..... o

Deposits of States and political sub-

divisions . . . . ~ o o o

Deposits of banks .....

Certified and officers' checks, etc....

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

in~

...... o o o. o. o o o o

Other liabilities ...............

Capital notes and debentures ....... .

Preferred stock ... 0 o o o o

Common stock o o o o o o o. o o

Surplus . 0. o o ,

o. o o. o

Undivided profits ...........

Reserves ........ o o. o o

2,340,&08.49 2,557,743.61
23,248.19
708,364.C,2 24,429.'>3 17,133.35
None
:Kone
~one
None None 200,000.00 200,000.00 107,546.05 47,0!7.33

Total Liabilities ....... $ 6,226,291.07

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF TERRELL Dawson (Terrell), Ga.

As called for by the Superintendent of Banks

R. A. HILL,
President. Date of Charter: 3-2.3-1936

R. A. HILL, Cashier.
Began Business: 6-1-1936

ASSETS

Cash. balances with other b8nks. and

cash itPms in nrocess of collectinn .. $ 1,407,059.60

United States GovcrnmPnt obli!::{a-

tions. direct <>end guaranteed ..... . 1,909,375.59

Obli~.tll!i?~s of States and political

mM~moos . . . . . . . . . . . . . . . . . . . . .

517,815.67

Securiti('S of Fedcral agencies and

coroorations not guaran te('d by

u.s. 438,265.63
Other securities. ("Ornorate stock.;; and

stock in Ff'deral R<'s'rY{' Bank ....

None

Loans and discounts, including over-

drafts ......................... . 1,040,808.98

Bank prPmise.;;, furniture and fixtnrec;;,

and other assets representing b'J.nk

premises ....................... .

19,831.45

Real estate owned other than bank

premises ....................... .

22,985.63

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . . - - - -127-.86

Total Assets .................. $ 8,356,272.41

LIABILITIES

Demand deposits .................. $

Time and savings deposits . o. o
Deposits of U. S. Government o o. o. Deposits of States and political sub

divisions ....... o Dcposi ts of banks ... Certified and officers' checks, etc. o o. Other liabilities for borrowed money.
Acceptances executed by or for ac

count of this bank and outstand-

ing

.... 0 0 0 0 0 0 o o o o o

Other liabilities .................. .

Capital notes and debentures ..... o

Preferred stock .. o o

Common stock ..... o o o. o

Surplus ......................... .

Undivided profits ................ .

Reserves ............. o o. o o. o. o.

3,507,431.65 3,287,784.11
44,397.33
513,702.14 107,210.34 255,107.11
None
None 302.42 None None 200,000.00 250,000.00 !60,931.69 29,405.62

Total Liabilities ......... $ 8,356,272.41

FORTY-SIXTH ANNUAL REPORT

51

STATEMENT

Showing condition at the close of business December 31, 1965, of
DAWSON COUNTY BANK Dawsonville (Dawson), Ga.

As called for by the Superintendent of Banks

H. G. VANDIVIERE, President.
Date of Charter: 7-1-1953

HUGH B. BOLING, Cashier.
Began Business: 7-13-1953

ASSETS
Cash. balancPs with other h<1nks. and cash itPms in nrocess of collection.$
Unitl'd S+qtes GoYernmcnt obliga-
tions. direc-t and guarantt'Pd...... Obli~8tion<; of Statf'S and political
subdivisions ................... Securities of Ff'dcral agencies and
cornorations not guaranteed hy U.S.......................... Other spcuritiPs. cornoratt> stock<; and stock in Ff'dPral Rcs('rve Bank.... Lo~ns and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . . Bank premises. furniture and fixtnre. and othC'r assets T('prPsenting bank premises . . . . . . . . . . . . . . . . . . . . . . . . Real 'State ownPd other than bank premises . . . . . . . . . . . . . . . . . . . . . . . . Customers' liabilitv tn this bank on accPptances outstanding . . . . . . . . . Other assets . . . . . . . . . . . . . . . . . . . . . .

420,935.45 485,906.68 107,724.50
None None 1,006,366.60
62,133.03 None None 602.26

Total Assets .................. $ 2,083,668.52

LIABILITIES
Demand deposits ................. $ Time and savings deposits ...... Deposits of U.S. Government . Deposits of States and political sub-
divisions ....... o. o o o o o. o o Drposi ts of banks . o o Certified and officers' checks, etc. o Other liabilities for borrowed money o Acceptances executed by or for ac-
count of this bank and outstandIng , ...... , o, o o o. o,,. o o o o o Other liabilities . o o ... o o ... o. Capital notes and debentures ...... Preferred stock o Common stock .. o. o o o. o Surplus ....... o. o o o. o Undivided profits ......... Reserves o o. o o o. o o o o

i63,9i 1.29 728,455.83
4,618.30
365,593.21 10,000.00 16,218.61 None
None None None None 50,000.00 90,000.00 44,811.28 10,000.00

Total Liabilities .............. $ 2,083,668.52

STATEMENT Showing condition at the close of business December 31, 1965, of
THE CITIZENS AND SOUTHERN EMORY BANK Decatur (DeKalb), Ga.
As called for by the Superintendent of Banks

JOHN F. INGRAM, JR., President.
Date of Charter: 12-11-1950

W. FRANK McKINLEY, Cashier.
Began Business: 4-16-1951

ASSETS

Cash. balanns with other hanks, and
cash itl"ms in nrocrss of collection .. $ 3,471,412.86
United States Govcrnmf'nt obliga-

tions. direct and guaranteed ..... . 4,i13,70i.29

Obligations of Stat'es and political

subdivisions .................... . 2,361,8i3.57

Securities of Federal agencies and

cornorations not guaranteed by

Otuh.esr. securitif's,cornoratestock<;and

stock ln Frcleral Resrr...-e Bank ....

I ,H3i.:i0

Loan<; and discounts, including 0\'('1'drafts ......................... .

7 ,43!),509.52

Bank premises. furniturl and fixtures,

and other assets reprc-senting bank premises ....................... .

350,097.14

Real Pstate owned other than bank

premises .......................

None

Customers' liability to this Lank on

acceptances outstanding ........ .

r\one

Other assets ..................... .

185,9~8.22

-----

Total Assets .................. $ 18,521,441.10

LIABILITIES
Demand deposits ... o o o. $ Time and savings deposits ... o Deposits of U. S. Government . o o o Deposits of States and political sub4
divisions ........ o o Deposits of banks ...... o o o o. o Certified and officers' checks, etc. o o. Other liabilities for borrowed money. Acceptances executed by or fOr ac-
count of this bank and outstanding ...... o o o Other liabilities ....... o o Capital notes and debentures ....... }>referred stock o o o o. Common stock o o. o o o Surplus ... o o o o U ndividcd profits o o o o o o o Reserves ... o o o. o o. o o.

8,559,412.f.fi 7,OiO, 1JIJ.OO
103,5'\8.00
602,847.89 None
2i,880.7i None
None 1,169,935.51
None Nnne 350.1100.00 350.01lll.lltl 115,646.27 1 i5,00ll.IJO

Total Liabilities .............. $ 18,524,441.10

52

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

TONEY BROTHERS BANK Doerun (Colquitt), Ga.

As called for by the Superintendent of Banks

J. W. TONEY, President.
Date of Charter: 7-11-1945

J. W. TONEY, Cashier.
Began Business: 7-31-1945

ASSETS
Cash, balances with other banks. and cash items in orocess of collection.$
United States Government obligations, direct and guaranteed......
Oblig~~i?~S of States and political subdJVJSIOns . . . . . . . . . . .. .. .. .. .. .
Securities of Federal agencies and cornorations not guaranteed by U.S. ...........................
Other securities, cornorate stock.;; and stock in Federal Rcserve Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premist's, furniture and fixtnres, and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .

673,126.40 148,000.00
17,168.58
None None 1,588,453.85
8,699.00 None None None

Total Assets .................. $ 2,435,447.83

LIABILITIES
Demand deposits , ......... $ Time and savings deposits . o. o. o o o. Deposits of U. S. Government o o. o_o. DeJ?O~i.ts of States and political sub
diViSIOnS o , . , , . , , o o. o,, o, o. o, o Deposits of banks , o. o o o o. o o Certified and officers' checks, etc. o. o Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding .... o o ooo o Other liabilities ...... o o o Capital notes and debentures ..... o Preferred stock o o o o o Common stock ...... o o Surplus ............... , ........ Undivided profits . , . , .... Reserves .. o o o o. o. o o. o. o

1,350.401.40 702,117.31
~.670.00
115,834.73 50,GOO.OO 4,176.92
None
None 388.32 None 1'\one 50,000.00 100,000.00 34,8.i9.15 25,000.00

Total Liabilities ............... $ 2,435,447.83

STATEMENT

Showing condition at the close of business December 31, 1965, of

COMMERCIAL STATE BANK Donalsonville (Seminole), Ga.

As called for by the Superintendent of Banks

W. H. VAN LANDINGHAM, President.
Date of Charter: 10-21-1938

ELLEN G. SPIER, Cashier.
Began Business: 12-16-1938

ASSETS

Cash, balances with other banks, and

cash i terns in process of collection ..$ 879,113.01

United States Government obliga-

tions, direct and guaranteed ..... .

398,483.00

Obliga~i?I?S of States and political

subdtVISIOnS ........ , . , , , , . , . , , o ,

358,081.92

Securities of Federal agencies and

corporations not guaranteed by

Otuh.esr. securities,corporatestocksand

None

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts ................. ....... . 2,287,354.61

Bank premises, furniture and fixtures,

and other assets representing bank

premises ... o. o o

23,928.98

Real estate owned other than bank

premises ....................... o

19,068.60

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . . - - -II ,3-65.-83

Total Assets , ................. $ 3,977,395.95

LIABILITIES

Demand deposits .................. $

Time and savings deposits o o o o

Deposits of U. S. Government ....

DeJ?O~i.ts of States and political sub-

dtvtstons ...... o o o o o. o o o o. o

Deposits of banks ................ .

Certified and officers' checks, etc... .

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

oooooooo

Other liabilities ..........

Capital notes and debentures. o o.

Preferred stock ................ .

Common stock ................ ..

Surplus .......................

Undivided profits ................ .
0. Reserves . o. o o o. o.

1,685,669.29 973,103.44 38,697.60
610,222.61 274,608.45 34,485.17
None
None 32,168.41
None None 100,000.00 100,000.00 128,440.98 None

Total Liabilities ............... $ 3,977,395.95

FORTY-SIXTH ANNUAL REPORT

53

STATEMENT

Showing condition at the close of business December 31, 1965, of

MERCHANTS AND FARMERS BANK Donalsonville {Seminole) , Ga.

As called for by the Superintendent of Banks

MILDRED S. CUMMINGS, President.
Date of Charter: 9-24-1925

E. H. HOWARD, Cashier.
Began Business: 9-24-1925

ASSETS
Cash. balances with other b~nks. and cash it,..ms in nrocess of collection .. $
United States Government obligations. direct and guaranteed ..... .
Oblin:a!i<:'~s of States and political
subdJVISIOllS ,
Securities of Federal agencies and coroorations not guaranteed by
u.s.
Other securitif's, cornorate stock-; and stock in Fpderal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixt11res. and oth('r assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

596,993.17 1,815,182.47
26,520.00
None None 870,047.91
50,902.58 None None
2,600.00

Total Assets .................. $ 3,362,246.13

LIABILITIES
Demand deposits ................. $ Time and savings deposits . Deposits of U. S. Government ..... .
DJi~i:i~n~f. ~~~~es .a.~~. :~~i~:~al ~~~~
Deposits of banks ......... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
ing oooo Other liabilities .................. . Capital notes and debentures .......
Preferred stock ............. Common stock . o ooo Surplus ......................... . Undivided profits ............... .. Reserves .. o o o. o. o

1,675,946.96 !,Oil ,524.12
14,787.82
388,638.06 None
5,327.62 None
None None None None 100,000.00 150,GOti.OO 16,021.55 None

Total Liabilities ............... $ 3,32,216.13

STATEMENT

Showing condition at the close of business December 31, 1965, of
COFFEE COUNTY BANK Douglas (Coffee), Ga.

As called for by the Superintendent of Banks

H. L. SHANNON, President.
Date of Charter: 6-19-1931

HARVEL NORRIS, Cashier.
Began Business: 7-1-1931

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 1,051,250.77

United States Government obliga-

tions, direct and guaranteed ... 3,820,950. 77

Obliga~i?'!S of States and political

subdtVISIOns ....... , .... , ..

None

Securities of Federal agencies and

corporations not guaranteed by

Otuh.esr. securities,corporatestocksand

150,000.00

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts ...................... 1,475,211.32

Bank premises, furniture and fixtures,

and other assets representing bank

premises o

43,050.44

Real estate owned other than bank

premises . o o

None

Customers' liability to this bank on

acceptances outstanding ... o

None

- - - - - Other assets ..... o

None

Total Assets .................. $ 6,540,463.30

LIABILITIES
Demand deposits ................. $ Time and savings deposits o Deposits of U. S. Government
Ddi~i:J~n~f. ~~~~es .a.~~. :~~i~:cal ~~~~
Deposits of banks ........ Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
~ount of this bank and outstandIng .... o o o o o o o o Other liabilities ................. .. Capital notes and debentures ....... Preferred stock .......... Common stock ................ . Surplus ......................... . Undivided profits ............... .. Reserves o o o o o

2,828.205.03 2,180,099.53
36,089.12
782,845.18 108,373.02
3,008.32 None
None
Nonl~
None None !OO,OOO.UO 300,000.0!l 189,959.35 11,883.75

Total Liabilities ............... $ 6,540,463.30

54

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE FARMERS BANK Douglas (Coffee) , Ga.

As called for by the Superintendent of Banks

F. S. STUBBS, SR., Presirlent.
Date of Charter: 5-22-1945

W. L. WILLIS, Cashier.
Began Business: 7-5-1945

ASSETS
Cash, balances with other banks. and cash items in nrocess of collect;on .. $
United States Government obligations. direct and guarantef'd......
Obliga~i<;f!s of States and political subdivisiOns . . . . . . . . . . . . . . . . . . . . .
Securitit's of Federal agenciC's and coroorations not guaranteed by U.S. ..... .... .... ..............
Other securities. coroorate stocko;; and stock in F<>deral Reserve Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank prPmisC's. furniture and fixturPs. and other assets repr('st'nting bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .

1,234,608.92 2,928,890.6) 1,23fi,434.fjl
None None 5,191,865.95
94,464.03 None None None

Total Assets .................. $ 10,686,264.16

LIABILITIES
Demand deposits .................. $ Time and savings deposits ....... Deposits of U. S. Government ..... Deposits of States and political sub
divisions ...................... Deposits of banks ................ . Certified and officers' checks, etc.. . . Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstand in~ ......................... Other liabilities ................. Capital notes and debentures ....... . Preferred stock ................ . Comn1on stock .............. Surplus ......................... Undivided profits ................ Resf'rves ...................

25,,7247?5,,3815?2-.Q96; 9J,3!2.JJ
1,173,171.27 448,101.12 29,817.51
~"\one
I\' one 86,8.10. 79
None None 275,000.00 350,000.00 168,840.86 35,000.00

Total Liabilities .......... $ 10,686,264.16

STATEMENT Showing condition at the close of business December 31, 1965, of
THE CITIZENS BANK OF DOUGLASVILLE Douglasville (Douglas) , Ga.
As called for by the Superintendent of Banks

I. S. OWINGS, President.
Date of Charter: 8-11-1959

ASSETS
Cash, balancf's with othf'r b<mks. and cash itf'ms in nrocess of collect;nn .. $
United States Govf'rnment obliga tions, direct and guaranteed. . . . . .
Obliga~i?f!S of States and political subdJVISIOnS . , .... , . , , , .. . .....
Securities of Federal agencics and coroorations not guaranteed by U.S. . . . . . . . . . . . . . . . . . . . . . . . . . . .
Othcr secur;tif's, ("Ornorate stock<; and
stock in F"df'ral RcsC'rve Bank.... Loans and discounts, including over
drafts . . . . . . . . . . . . . . . . . . . . . . . . . . Bank premises. furniture and fixt11res,
and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . . Real t>statc owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . . Customers' liability to this bank on acceptances outstanding . . . . . . . . . Other assets . . . . . . . . . . . . . . . . . . . . . .

620,961.05 502,043.17
~6,435.27
None None 1,453,954.64
70,180.19 None None None

Total Assets .................. $ 2,683,574.32

DAN S. GRIMES, Cashier.
Began Business: 5-9-1960

LIABILITIES
Demand deposits ......... $ Time and savings deposits ...... Deposits of U. S. Government ..... Deposits of States and political sub-
divisions ..............
Deposits of banks ......... Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
ing ................... Other liabilities .................. . Capital notes and debentures ....... .
Preferred stock ............ Common stock .... Surplus ......................... . Undivided profits ....... Reserves ............

I ,304, 701.32 859,666.46 30,663.45
208,623.28 None
9,312.44 None
None 58,424.75
None None 100,000.00 70,000.00 42,182.62 None

Total Liabilities ....... $ 2,683,574.32

FORTY-SIXTH ANNUAL REPORT --------------------------------

55

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE COMMERCIAL BANK Douglasville (Douglas), Ga.

As called for by the Superintendent of Banks

RAYMOND L. LLOYD,

President.

,

Date of Charter: 4-24-1942

J. A. COLLINS, Cashier.
Began Business: 5-1-1942

ASSETS
Cash, halanCf'<; with other lPnks. and cash items in nroccss of collccl;on. ~
United States Go\'ernment ohli~ations. direct and guaranteed ..... .
Ohligo!i<;~s of States and political
subdiVISIOTIS , . , . , .. , , , ... , , , .
Securities of Federal agencies and cornorations not guaran teC'd by U.S........................... .
Other securities. cornorate stock<> and stock in F ...drTal Re<;cnT Rank ....
Loans and discounts. includin~ overdrafts ......................... .
Bank premisf's. furniture and fixture<:. and oth('r assets representing bank premises .......................
Real estate owned other than bank prC'misC'S ....................... .
Customers' liability to this bank on acnptancPs outstanding- ........ .
Other assets ..................... .
Total Assets .................. $

658,41l0.61 1,654,993.17
1118,H41.i I
None !'\ooc 1,893,908.74
113.691.5:l -:\one
":\'(ln{'
8.995.63 4,743,831.39

LIABILITIES
Demand deposits ............... $ Time and savings deposits .... , ... Deposits of U.S. Government .... , D<posits of States and political sub-
divisions ..... , ............... Deposits of banks ........ , . , .. . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ............... Other liabilities .. Capital notes and debentures ....... . Preferred stock ............... Common stock ........ Surplus .............. , .... lindivided profits ......... Reserves .....

2,162.1162.Ul 1,482,134.76
39,402.77
6113,681.23 None
6.6:J0.2fi None
None 69,833.16
None
~one
125,000.110 175,00li.IIO 80,1166.-!0
None

Total Liabilities . . . . . . . . . . . . . . . $ 4, i43,83!.39

STATEMENT

Showing condition at the close of business December 31, 1965, of
CITIZENS AND SOUTHERN BANK OF DUBLIN Dublin (Laurens), Ga.

As called for by the Superintendent of Banks

W. S. SIMMONS, President.
Date of Charter: 10-29-1928

THERON A. JERNIGAN, Cashier.
Began Business: 11-1-1928

ASSETS

Cash, balances \Vith other banks, and

cash items in process of collection .. $ I ,695,591.98 United States Government obliga-

tions. direct and guaranteed ..... . 4,449,043.63

Obligations of States and political

subdivisions .................... I ,967,932.30

SPcurities of Federal agPncics and

coruorations not guaranteed by

U.S........................... .

None

Otht:>r securities, coruorate stock.:; and

stock in FPderal Reserve Bank ....

2,362.'10

Loans and discounts, including over-

drafts . . . . . . . . . . . . . . . . . . . . . . . . . . 7, 705,608.61

Bank premises, furniturf' and fixtures.

and other assets representing bank

premises ................ , ..... .

198,274.74

Real e<;tate owned other than bank

premises ....................... .

2,345. 76

Customers' liability to this bank on

acceptan<:'es outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . .

194,252.72

-------

Total Assets .................. $ 16,215,412.24

LIABILITIES
Demand deposits ................ $ Time and savings deposits .. Deposits of U. S. Government . Deposits of States and political sub-
divisions .............. Deposits of banks .... Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac~
count of this bank and outstand~ ing ............. Other liabilities .......... Capital notes and debentures ....... Preferred stock ........ Common stock Surplus ............ U ndividcd profits . Reserves ........

5,546.911.97 6,880,528.43
88.950.9:>
983.444.11 641,862.13 115,458.64
None
None 838,351.83
None None 300,000.00 300,000.00 266,869.88 253,034.23

Total Liabilities ............. $ 16,215,412.24

56

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

FARMERS AND MERCHANTS BANK Dublin (Laurens), Ga.

As called for by the Superintendent of Banks

L. P. KEEN, President.
Date of Charter; 5-26-1910

WALLACE E. MILLER. Cashier.
Began Business: 7-6-1910

ASSETS
Cash. balancPs with other b~nks. and cash itf'm<; ln nrocess of collection.$
United State<; GovC'rnmcnt obliRations. direct and ,gnarantted ..... .
Ohliqations of Stat('s and political subdivisions .................... .
Sccuritic<; of FPdC'ral agencies and coroorations not guarantced by U.S.......................... ..
Other sccuritiC's. cornoratC' stock-. and stock in Fdr-ral Rcsc-rv1' Bank ....
Loans and discounts. including overdrafts ................... . ... .
Bank prcmisC'<;, furniture and fixt11rcs.
and othf'r assets rf'prcscnting bank
prC'mises ....................... Real estate owned other than bank
premises ....................... . Customers' liability to this bank on
aC"ccptanct's outstanding ........ . Other assets ..................... .

1,606,941.23 2,6i8,507 .06
10,000.1)()
800,000.00 None
3,16i,176.1J7
153,779.63 1\one None
1,279.32

Total Assets .................. $ 8,420,68:!.91

LIABILITIES

Demand deposits ..... , , ........ $

Time and savings deposits ......

Deposits of U. S. Government ..... .

Deposits of States and political sub

divisions ....................... .

Dcposi ts of banks ................
Certified and officers' checks, etc.. o.

Other liabilities for borrowed money.

Acceptances executed by or for ac

count of this bank and outstand

ing

.. o o o o. o o. o 0 o 0. 0 oo.

Other liabilities .......... o o o

Capital notes and debentures .. o

Preferred stock o o o o o. o. o o

Common stock ............ o o o o

Surplus

o o o

Undivided profits .. o o o. o

Reserves ......... o o o o

3,402, 710.95 2,669,8.i9.n2
260,433.69
846,625.56 627,082.40 59,646.66
None
None None None None 250,000.00 100,000.00 98,515.66 105,809.97

Total Liabilities ............ , $ 8,420,683.91

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE MORRIS STATE BANK Dublin (Laurens), Ga.

As called for by the Superintendent of Banks

S. BARRON SMITH, President.
Date of Charter: 7-31-1958

LEWIS RICH, Cashier.
Began Business 10-2-1958

ASSETS
Cash, balancrs with other hanks. and cash items in nrocrss of collection.$
United States Government obliga tions. direct and guaranteed ..... .
Obliga!i~~s of States and political SubdiVISIOns ..... , .. , . , ........ , .
Securities . of Federal ag'ncies and corooratwns not guaranteed by U.S........................... .
Other St'Curitir-s, cort)Orate stock" and stock in F~'deral Reserve Bank ....
Loans and discounts, including over drafts ......................... .
Bank premises. furniture and fixt11res. and other assets representing bank premises ....................... .
Real 'state owned other than bank premist's ....................... .
Customers' liability to this bank on acceptancPs outstanding ........ .
Other assets ..................... .

1,067,057.07 1, 150, ilo.oo
5,091.37
275,000.00 None
2, 710,909.03
66,540.26 None None 432.53

Total Assets , ... , , ... , .. , , .. , , $ 5,275,140.26

LIABILITIES

Demand deposits .... , ............. $

Time and savings deposits . o o o

Deposits of U. S. Government ...

Deposits of States and political sub

divisions .......... o o. o.
Deposits of banks ........... o.

Certified and officers' checks, etc....

Other liabilities for borrowed money o

Acceptances executed by or for ac

count of this bank and outstand

in~

. o o o o. o

Other liabilities ..... o. o o o o. o.

Capital notes and debentures .... o o

Preferred stock ...... o

Common stock o 0 0 o 0

Surplus .................. o o o

Undivided profits ................ .

Reserves o o o o o o o. o o. o.

1,793,515.44 2,278,802.59
58,544.92
520,423.19 15,005.00 83,682.49 None
None 120,693.78
None None 200,000.00 100,000.00 104,472.85 None

Total Liabilities ............... $ 5,275,140.26

FORTY-SIXTH ANNUAL REPORT

57

STATEMENT Showing condition at the close of business December 31, 1965, of
BANK OF DUDLEY Dudley (Laurens), Ga. As called for by the Superintendent of Banks

MRS. qLADYS C. HOGAN, President.
Date of Charter: 10-2-1905

FRANCES J. REINHARDT, Cashier.
Began Business: 11-1905

ASSETS
Cash, balances with other b::"nks. and cash itPms in nrocess of collection .. $
United States Government obligations. direct and guaranteed ..... .
Obli~(\!i~~" of States and political
subdJVlSIOOS
Securi ties of Federal agencies and
uc o.rso.o.r.a.t i.o.n.s. .n.o. t. . .g.u.a.r.a. n. .t e. .e.d. . .b y.
Otht>r securitit>s, coroorate stock" and stock in FPderal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtnres. and other assets rcpresentin~ bank premises ....................... .
Real estate owned other than bank premises .......................
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

566,326.31 529,110.30 4:.2,369.85
None None 1,926,156.12
1.00 1.00 None None 3,473,964.58

LIABILITIES
Demand deposits .... $ Time and savings deposits Deposits of U. S. Government ..... .
DJi~i:i~n~f. ~~~~~s. -~~~ ~~~i.t:~~~. ~~~:
Deposits of banks ........... Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding Other liabilities . Capital notes and debentures ....... . Preferred stock ........... Common stock .. Surplus Undivided profits . Reserves .

1, 196,785.5:. 1,372,810.82
30,903.91
291,833.64 76,C>19.30 17,816.66 None
None 21,125. 7:.
None None 150,000.00 1C>O,OOO.OO 69,694.63 96,474.32

Total Liabilities .. $ 3,473,964.58

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE BANK OF DULUTH Duluth (Gwinnett), Ga.

As called for by the Superintendent of Banks

C. M. PARSONS, JR., President.
Date of Charter: 1-22-1945

EWELL A. ARNOLD, Cashier.
Began Business: 2-17-1945

ASSETS

Cash, balances with other banks. and cash items in process of collection .. $ 430,107.51

United States Government obliga-

tions, direct and guaranteed ..... .

946,838.94

Obliga~i~~s of States and political

subdiVISions ...........

394,3C>4.46

Securities of Federal agencies and

uc o.rsp.o.r.a.t i.o.n.s. .n.o.t. .g. .u.a.r.a.n. .t e. .e.d. . .b y.

Nont~

Other securities, corporate stocks and

'itock in Federal Reserve Bank ....

Nunc

Loans and discounts, including over

drafts ....................... 1,784,751.'\1

Bank premises, furniture and fixtures,

and other assets representing bank

premises

28,525.:.0

Real estate owned other than bank

premises . 4-. ..

58,287.74

Customers' liability to this bank on

acceptances outstanding . .

None

Other assets . . .

25, 7C>C>.26

-----

Total Assets . $ 3,668,620.92

LIABILITIES
Demand deposits $ Time and savings deposits Deposits of U. S. Government ..
DJi~i~f~n~f. ~~~~es .a.~~ :~:i~ical ~~~:
Deposits of banks .......... Certified and officers' checks, etc.... Other liabilities lor borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ........ Other liabilities Capital notes and debentures ....... . Preferred stock ......... Common stock . Surplus ..... Undivided profits Reserves

1,386,272.76 1,283,948.9:.
26,879.54
499,127.08 None 4.80 None
None 123,135.22
None None 100,000.00 163,200.00 86,052.57 None

Total Liabilities $ 3,668,620.92

58

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF EASTMAN Eastman (Dodge), Ga.

As called for by the Superintendent of Banks

JOHN F. JESSUP, President.
Date of charter: 12-28-1918

RUSSELL S. HARRELL, Cashier.
Began Business: 1-2-1919

ASSETS

Cash. balances with other b:lnks. and c<lsh itPms in nroct:>ss of collectinn .. $
United States Government obliga-
tions. direct and guaranteed ..... . Obli&!:l~i?~s of States and political

subdJVlSlOTIS , , ,

Securities of Federal agencies and

coroorations not guaranteed by

u.s.
Other

s


ecur;tiPs,


cornorate

stock~

a


nd

stock in F<>deral Reserve Bank ...

Loans and discounts, includin~ over-

drafts ......................... .

Bank premises, furniture and fixt1tres,

and othf'r assets representing bank

premises ....................... .

Real estate owned other than bank

premises ....................... .

Customers' liability to this bank on

acceptances outstanding ........ .

Other assets ..................... .

I ,357,372.72 1,566,089.83
541,489.75
691,063.82 None
2,372,704.61
67,749.44 None None
3,976.08

Total Assets .................. $ 6,600,446.25

LIABILITIES
Demand deposits ............... $ Time and savings deposits ....... Deposits of U. S. Government ..... . Deposits of States and political sub
divisions ............ : . ..... Deposits of banks ..... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding" .......................... Other liabilitics ................. o Capital notes and debentures ....... . Preferred stock ............. Common stock ........ o Surplus ....................... Undivided profits ................ . Reserves ................ o

2,384,101..18 2,668,3'!7 .H4
40,793.94
583,747.52 423,3i2.69
3,958.43 None
None 81,238.i8
None None 200,000.00 150,000.00 64,835.47 None

Total Liabilities ....... $ 6,600,446.25

STATEMENT

Showing condition at the close of business December 31, 1965, of

CITIZENS CLEARING BANK Eastman (Dodge), Ga.

As called for by the Superintendent of Banks

CHARLES SMYLY,
President. Date of Charter: 3-12-1949

B. B. ECKLES, JR.,
Casnier. llegan Business: 4-1-1949

ASSETS
Cash, balances with other banks, and cash items in nrocess of collect:on.$
United States Government obligations. direct and guaranteed ..... .
Oblig"a~ic;~s of States and political subdJVlSIOnS ...... , .............
Securities of Federal agencies and coroorations not guaranteed by
Otuh.esr. securities,corooratestock<>and
stock in F('deral Reserve Bank .... Lo<1ns and discounts, including over-
drafts ......................... . Bank premises. furniture and fixtnres.
and other assets representing bank premises ....................... . Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .

776,576.40 1,165,625.00
615,853.95
350,000.00 None
1,981,931.73
25,575.36 32,400.00
None None

Total Assets .................. $ 4,947,962.44

LIABILITIES

Demand deposits ........... $

Time and savings deposits . o o o Deposits of U. S. Government ..... o
Deposits of States and political sub

divisions ...... o. o o o. o o Deposits of banks .......

Certified and officers' checks, etc. o. o Other liabilities for borrowed money.

Acceptances executed by or for account of this bank and outstand-

ing ........ o o. o o o o o o o Other liabilities .. Capital notes and debentures o o o o o. o o
Preferred stock o o o o o o. o
Common stock . o o o. o. o. o. o Surplus ...............

Undivided profits ..........

Reserves ..... ~

o. o o o

2,190,141.34 1, 793,005.44
103,693.42
451,559.07 40,480.29 None None
None None None None IOO,OOO.GO 150,000.00 119,082.88 None

Total Liabilities ......... $ 4,947,962.44

FORTY-SIXTH ANNUAL REPORT

59

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF FULTON COUNTY East Point (Fulton), Ga.

As called for by the Superintendent of Banks

W. RAY HOUSTON, President.
Date of Charter: 3-22-1934

LEONARD L. LOWE,
Cashier. Began Business: 4-2-1934

ASSETS
Cash, balancPs with other banks, and cash items in process of collection .. $
United States Government obliga-
tions, direct ar.d guaranteed ..... . Obli~ations of States and political
subdivisions .................. Securitips of Federal agencies and
cornorations not guaran tc c d by
u.s.
Other st'curitics, coroorate stocks and stock in Federal Rest-rvc Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises. furniture and fixtnres,
and other assets representing hank prtmises ....................... . Real estate owned other than bank
premises ....................... Customers' liabilitv to this bank on
acceptances outs:tanding ........ . Other assets ..................... .

1,857,173.09 3,216,252.18 2,197,903.29
2,199,661.39 None
8,594,401.98
262,542.45 13,500.00 None 183,028.90

Total Assets .................. $ 18,524,463.28

LIABILITIES
Demand deposits ........ $ Time and savings deposits .... Deposits of U. S. Government .. Deposits of States and political sub-
divisions .............. Deposits of banks ....... Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ....... o. o. Otht:>r liabilities . . . . . . . . . . . . . . o. o Capital notes and debentures ....... Preferred stock ......... Common stock o o o o. o. o o o Surplus .......... o o. o Undivided profits ........ Reserves o o o o o. o o o o o o o o o.

9,352,358.02 4,406,452. 73
216,489.16
2,606,298.82 31,198.51 140,426.17 None
None 401,550.86
None None 500,000.00 700,000.00 169,689.1)1 None

Total Liabilities ............... $ 18,524,463.28

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE CITIZENS AND SOUTHERN BANK OF EAST POINT East Point (Fulton), Ga.

As called for by the Superintendent of Banks

EUGENE E. JONES, President.
Date of Charter: 11-12-1948

EDWARD J. KORB. Cashier.
Began Business: 11-19-1948

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ I, 736,830.25

United States Government obliga-

tions, direct and guaranteed ..... 3,816,250.42 Obli~ations of Statl:-s and political

subdivisions .................... 1,751,555.97

Securities of Federal agencies and-

corporations not guaranteed by

u.s.
Other securities, <'<>rporate stocks and

None

stock in Federal ReserVC' Bank ....

82,125.00

Loans and discounts, including over-

drafts ......................... . 9,147,876.42

Bank premises, furniture and fixtures,

and other assets representing bank

prC'mises ...................... "" 194,519.17

Real l'Statc O\VIl('d other than bank

premis('s .......................

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets ...................... ___1_3_3_,4_2_7_.9_8

Total Assets .................. $ 16,862,585.21

LIABILITIES
Demand deposits .................. $ Time and savings deposits .. o o o Deposits of U. S. Government o o. o. o Deposits of States and political sub-
divisions .......... o o o Deposits of banks .... o o o Certified and officers' checks, etc... Other liabilities for borrowed :qwncy. Acceptances executed by or for ac-
count of this bank and outstand-
ing: .... o o o Other liabilities ......... o Capital notes and debentures ....... .
Jlreferrcd stock o o o o o. o o Common stock 0 0 o. o o o o Surplus ...... o. o o o o o o Undivided profits ... o o o o. o o. Reserves o o. o o o o

6,332,442.30 5,644,908.9!l
338,223.04
I, 107,120.97 961,020.69 154,490.48 None
None 1,045,810.60
None None 450,000.00 300,000.00 110,486.39 418,081.76

Total Liabilities ........... $ 16,862,585.21

60

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1965, of
FARMERS & MERCHANTS BANK Eatonton (Putnam), Ga.
As called for by the Superintendent of Banks

L. 0. BENTON, JR., President.
Date of Charter: 10-30-1922

R. L. HARRISON, Cashier.
Began Business: 11-15-1922

ASSETS
Cash, balances with other banks. and cash items in nrocess of collection.$
United States Government obliga-
tions, direct and guaranteed... Oblir(a~i'.H!S of States and political
se~~~?;i~1:10~f Fcde~~i ~g~~~i~~ -~~d
cornorations not guaranteed by
U.S.................... Other securities, coroorate stocks and
stock in Federal Reserve Bank.... Loans and discounts, including over-
drafts ................... ... . Bank premises, furniture and fixtnres.
and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . . Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . . Customers' liability to this bank on acceptances outstanding . . . . . . . . . Other assets . . . . . . . . . . . . . . . . . . . . . .

541,713.62 1,02l,i92.55
40,399 55 None None
1,862,472.06
89,597.37 None None None

Total Assets .................. $ 3,555,975.15

LIABILITIES
Demand deposits ........ $ Time and savings deposits ..... Deposits of U.S. Government ..._. Del?o~i~s of States and political sub-
diVIsions ..................... Deposits of banks ........... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac~
count of this bank and outstand in.~ ......... Other liabilities ................ Capital notes and debentures ....... . Preferred stock .............. Common stock ................. Surplus ......................... Undivided profits ........ Reserves ................

1,386,482.45 1,690,634.90
18,597.66
214,024.26 None
10,488.11 None
None None None None 100,000.00 100,000.00 35,747.77 None

Total Liabilities ... $ 3,555,975.15

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE PEOPLES BANK Eatonton (Putnam), Ga.

As called for by the Superintendent of Banks

A. F. ADAMS, President.
Date of Charter: 3-16-1944

HOWARD L. HARRISON, Cashier.
Began Business: 5-1-1944

ASSETS

Cash, balances with other banks, and

cash iterns in nrocess of collection .. $ 293,270.93 United States Government obliga

tions, direct and guaranteed ..... . Obliga~i?I?s of States and political

425,409.83

subdiVISIOnS . , ....... , ......... , Securities of Federal agencies and

15,000.00

cornorations not guaranteed by

u.s. 140,069.63
Other securities, cornorate stocks and

stock in FPderal Reserve Bank ....

None

Loans and discounts, including over-

drafts ......................... . 1,276,933.66

Bank premises, furniture and fixtures,

and other assets representing bank

premises ....................... .

62,212.99

Real estate owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . . - - -1,0-36.-82

Total Assets .................. $ 2,213,933.86

LIABILITIES
Demand deposits .. $ Time and savings deposits ... Deposits of U. S. Government .... Del?o~i.ts of States and political sub-
diVIsions ............ Deposits of banks .......... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstandIng ..... Other liabilities ......... Capital notes and debentures....... Preferred stock ... Common stock ... Surplus ................... ; ... Undivided profits .......... Reserves ...............

819,196.23 897,223.05 23,509.34
269,121.26 None
4,529.04 None
None 18,874.11
None None 100,000.00 50,000.00 31,480.83 None

Total Liabilities .. $ 2,213,933.86

FORTY-SIXTH ANNUAL REPORT

61

STATEMENT
Showing condition at the close of business December 31, 1965, of THE BANK OF EDISON Edison (Calhoun), Ga.
As called for by the Superintendent of Banks

C. W. LOWE, President.
Date of Charter: 9-24-1904

'1'. 0. MANRY, Cashier. Began Business: 1904

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 554,332.68

United States Government obliga-

tions, direct and guaranteed ..... . Oblio;a~i?~s of States and political

745,399.59

subdtVISIODS , , , ,

479,551.55

Securities of Federal agencies and

cuo.rsp.o.r.a.t i.o.n.s. .n.o. t. . .g.u.a.r.a.n. .t e. .e.d. . .b y.

822,164.92

Other securities, coroorate stocks and

stock in FPderal Reserve Bank ....

None

Loans and discounts, including over-

drafts ................... '" .... . 1'451 ,581.16

Bank premises, furniture and fixtures,

and other assets representing bank

premises ....................... .

37,500.00

Real estate owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets ...................... _ _ _3_1:_,0_7_3_.0_1

Total Assets .............. , $ 4,121,602.91

LIABILITIES
Demand deposits ... $ Time and savings deposits Deposits of U. S. Government ..... .
Ddi~i;l~n~f. ~:~~~s. -~~~. ~~~i.t~~~l. ~~~:
Deposits of banks ......... Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding Other liabilities Capital notes and debentures ....... . Preferred stock ............... Common stock . Surplus . Undivided profits Reserves ....

1,545,398.66 1,606,825.44
19,250.19
556,629.64 20,632.16 29,336.89
None
None 49,156.88
None None 100,000.00 150,000.00 41,309.30 3,063.75

Total Liabilities .. $ 4,121,602.91

STATEMENT Showing condition at the close of business December 31, 1965, of
GRANITE CITY BANK Elberton (Elbert), Ga.
As called for by the Superintendent of Banks

A. D. WILBURN, President.
Date of Charter: 12-3-1927

THOMPSON HOLLOMAN, Cashier.
Be~tan Business: 1-2-1928

ASSETS

Cash, balances with other banks. and

cash items in process of collection .. $ 1,279,474.01

United States Government obliga-

tions, direct and guaranteed ..... 1,541,445.92

Obliga~i?'!S of States and political

subdlVlSlODS ....... , . , . , .

514,583.48

Securities of Federal agencies and

corporations not guaranteed by

Otuh.esr. securities,corporatestocksand

None

stock in Federal Reserve Bank ....

21,00[;.00

Loans and discounts, including over-

drafts . . . . . . . . . . . . . . . . . . . . . . . . . . 4,828,910. 72

Bank premises, furniture and fixtures,

and other assets representing bank

premises

30,974.08

Real estate owned other than bank

premises .

254,820.30

Customers' liability to this bank on

acceptances outstanding . .

None

Other assets . . . . . . . - - -38,-930-.79

Total Assets $ 8,510,139.30

LIABILITIES
Demand deposits $ Time and savings deposits Deposits of U. S. Government .
Ddi~i;:~n~f. ~~~~es .a.~~ -~~~i:~cal ~~~:
Deposits of banks ..... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ... Other liabilities Capital notes and debentures ....... .
Preferred stock ....... Common stock Surplus Undivided profits . Reserves

3,329.732.10 2,933,560.01
204,058.43
918,334.28 38,388.43 3,140.40
None
None 306,544.28
None None 240,000.00 460,000.00 76,381.32 None

Total Liabilities $ 8,510,139.30

62

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF ELLAVILLE Ellaville (Schley), Ga.

As called for by the Superintendent of Banks

DR. L. S. BOYETTE, President.
Date of Charter: 9-10-1910

RICHARD G. CALLAWAY, Cashier.
Began Business: 9-16-1910

ASSETS
Cash. balances with other banks, and
cash items in process of collcctlo.n .. $
United StatPs Government obligations, direct and guaranteed ..... .
Obli~ations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not g uaran tecd by
u.s.
OthPr securities, coroorate stocks and stock in Ff'cleral RPsnve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures. and other assets represPnting bank premises .......................
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

531,636.16 683,572.01 307,821.08
l\~ o n e None !,009,G27.15
13,504.86 2,300.00
!\one 1,030.75 2,548,892.01

LIABILITIES
Demand deposits .................. $ Time and savings deposits ........ . Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ....................... Deposits of banks ......... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ........................... . Other liabilities .................. Capital notes and debentures ....... . Preferred stock .......... , ..... . Comn1on stock ............... Surplus ......................... . Undivided profits ................ ReserYeS ..... , ...............

1,190,571.51 628,330.20 23,056.10
389,494.58 None
4,297.93 None
None None None None 50,000.00 100,000.00 163,141.69 None

Total Liabilities ........ $ 2,548,892.01

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE BANK OF ELLIJAY Ellijay (Gilmer), Ga.

As called for by the Superintendent of Banks

E. T. HUDSON, President.
Date ofCharter: 5-21-1914

B. J. GRAY, Cashier. Began Business: 6-1-1914

ASSETS
Cash, balancf's with other banks, and cash items in urocess of collection ...$
United States Government obligations, direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securities of Federal agcnci:>s and cornorations not guaranteed by
u.s.
Other securities, cornorate stock<> and stock in Federal Reserve Bank ....
Loans and discount~, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customf'rs' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

840,556.41 I ,747,424.00
480,701.94
100,000.00 None
1,798,419.50
25,000.00 None :I\" o n e
10,551.26

Total Assets .................. $ 5,002,653.11

LIABILITIES
Demand deposits ........ $ Time and savings deposits ........ . Deposits of U. S. Government ..... . Deposits of States and political sub
divisions ..................... Deposits of banks ........ Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand ing ....................... Other liabilities .... Capital notes and debentures ....... . Preferred stock ............ Common stock ......... Surplus ................ Undivided profits ............ Reserves ................

2,222,803.41 1,904,238.81
45,528.35
350,909.46 None
23,379.20 None
None 47,046.23
None None !00,000.00 100,000.00 8,747.65 200,000.00

Total Liabilities ........... $ 5,002,653.11

FORTY-SIXTH ANNUAL REPORT

63

STATEMENT

Showing condition at the close of business December 31, 1965, of

FAIRBURN BANKING COMPANY Fairburn (Fulton), Ga.

As called for by the Superintendent of Banks

Y. H. LONGINO, President.
Date of Charter: 9-14-189l

MRS. WINNER B. LONGINO,
Cashier. Began Business: 1902

ASSETS
Cash. balanC'S with other brmks, and cash items in nrocc:.s of colltction. $
United States Government obliga-
tions. direct and guaranteed...... Obliga.ti?f!S of States and political
subdiVlswns .................... Securities of Federal agf'ncies and
coroorations not guaranteed by
U.S..................... .... Other S('Cttrities, cornoratc stocks and
stock in FPd('ral Reserve Bank.... Loans and discounts, including over-
drafts ...... ..... . Bank premises, furniture and fixtures,
and other assets represtnting bank premises . . . . . . . . . . . . . . . . . . . . . . . . R('al estate ownPd other than bank premises . . . . . . . . . . . . . . . . . . . . . . . Customers' liability to this bank on
acceptances outstanding . . . . . . . . . Other assets .. .. . . .. .. . . . .. .. .. .. .

551,435.35 1,428,818.i5
106,684.30
349,968.75 None
2,051,019.68
98.886.82 None None
62.577.17

Total Assets .................. $ 4,649,390.82

LIABILITIES
Demand deposits $ o. 0 0 Time and savings deposits .. , .... Deposits of U.S. Government .... Deposits of States and political sub-
divisions ........... o Deposits of banks , ....... Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ............ o Other liabilities . o o. o. o Capital notes and debentures ....... Preferred stock ........... c;ommon stock 0 0 Surplus ................. Undivided profits .......... Reserves ..... o o. o o o o o o o

2,312,713.8a 1,649,493.41
44,912.17
247,754.77 8,613.22 3,246.69 None
None 63,407.79
None None 125,000.00 100,0011.00 5.000.00 89,248.89

Total Liabilities ............... $ 4,649,390.82

STATEMENT

Showing condition at the close of business December 31, 1965, of

FARMERS AND MERCHANTS BANK Fayetteville (Fayette), Ga.

As called for by the Superintendent of Banks

H. P. REDWINE, President.
Date of Charter: 2-16-1906

H. R. REDWINE, Cashier.
Began Business: 3-13-1906

ASSETS
Cash, balances with other banks. and cash items in process of collection .. $
United States Government obligations. direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securities of Ff'deral agencies and corporations not guaranteed by
u.s.
Other securitiC"s, coroorate stocks and stock in F edcral Reserve Bank ....
Loans and discounts, including overdrafts .........................
Bank premises, furniture and fixtures. and other assets representing bank premises .......................
Real ('State owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........
Other assets ....................

410,980.05 787,838.31 239,591.66
249,945.31 None
1,917,682.33
40,923.98 None None
21,607.35

Total Assets .................. $ 3,668,568.99

LIABILITIES
Demand deposits .................. $ Time and savings deposits .. Deposits of U. S. Government ... o Deposits of States and political sub-
divisions .... o Dcposits of banks o o o o o o
Certified and officers' checks, etc .. o.
Other liabilities for borrowed money. Acceptances executed by or for ac~
count of this bank and outstanding ............ o o Other liabilities .......... o. o Capital notes and debentures ...... Preferred stock ........ Common stock o o o o. o o. o. Surplus ..... o o o o o Undivided profits o o o o o o. o o o o Reserves o o o o o. o. o

1,174,567. 77 1,104,248.22
25,822.69
795,45i .04 4,583.95 73,244.46 None
None 248,479.28
None None 100,000.00 100,000.00 28,826.65 13,338.93

Total Liabilities ............. $ 3,668,568.99

64

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF FINLEYSON Finleyson (Pulaski), Ga.

As called for by the Superintendent of Banks

CLARENCE FINLEYSON, President.
Date of Charter: 9-20-1910

MATTIE C. CONNER, Cashier.
Began Business: 9-20-1910

ASSETS
Cash, balances with other banks, and cash items in process of collect1o~l. . $
United States Government obligations, direct and guaranteed..: ..
Obli~ations of States and pohtcal subdivisions .................... .
Securities of Ft'deral agencies and cornorations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ..................
Bank premises, furnitur<> and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises ..................
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

148,541.99 121,957.50
None
149,968.75 I': one
277,666.83
560.!33 None None None 698.695.90

LIABILITIES
Demand deposits .............. $ Time and savings deposits ........ Deposits of U. S. Government ...._. Deposits of States and political sub~
divisions ....................... Deposits of banks ................ . Certified and officers' checks, etc... Other Iiabili ties for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ................ Other liabilities .................. . Capital notes and debentures ....... . Preferred stock .............. Common stock ................ Surplus ......................... Undivided profits ........... Reserve:l ....................

417,821.66 40,508.18 None
67,640.59 None
7,059.60 None
None 11,094.53
None None 25,000.00 75,000.00 25,000.00 29,571.34

Total Liabilities ....... $ 698,695.90

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE FIRST STATE BANK OF FITZGERALD Fitzgerald (Ben Hill), Ga.

As called for by the Superintendent of Banks

B. I. ANDERSON, President.
Date of Charter: 5-24-1948

W. P. HERWVICH, Cashier.
Began Business: 7-1jJ-1948

ASSETS
Cash, balances with other banks, and cash itt>ms in urocess of collection.$
United States Government obligations. direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securi tics of Federal agencies and cornorations not guaranteed by
u.s.
Other securities, cornorate stock<; and stock in Federal Reserve Bank ....
Loans and discounts, including over-
drafts .................. . Bank prt>mises, furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .

677,512.87 1,053,844.00
27,168.14
400,075.03 None
2,343,595.07
114,347.82 None None
1,003.84

Total Assets .................. $ 4,617,546.77

LIABILITIES
Demand deposits ........ $ Time and savings deposits ........ Deposits of U. S. Government .. Deposits of States and political sub-
divisions .................. Deposits of banks .............. Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
Ing Other liabilities .............. Capital notes and debentures .......
Preferred stock ......... Common stock ..... Surplus ........................ Undivided profits ............ Reserves .............

1,536,239.38 2,016,232.34
35,522.16
557,013.82 32,216.80 7,707.41 None
None 10,000.00
None None 100,000.00 250,000.00 72,614.86 None

Total Liabilities ... $ 4,617,546.77

FORTY-SIXTH ANNUAL REPORT

65

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE CITIZENS BANK Folkston (Charlton), Ga.

As called for by the Superintendent of Banks

J. H. L_E;~TE~, JR.,__ President.
Date of Charter: 12-12-1911

KELLY A. EATON, Cashier.
Began Business: 1-4-1912

ASSETS

Cash, balances with other banks. and

cash items in nrocess of collectlnn .. $ I ,089,630. 74

United States Government obliga-

tions. direct and guaranteed ..... . Obliga~i~~s of States and political

955,866.16

subrlJVISlOfiS , , , , , , ,

449,385.68

Securities of Federal agencies and

coroorations not guaranteed by

Otuh.esr. securities,cornoratestock~and

435,000.00

stock in Ff'deral Rl.'serve Bank ....

None

Loans and discounts, including over-

drafts ...................... 3,777,531.75

Bank premises, furniture and fixtnres.

and othc:'r assets representing bank

premises ....................... .

195,576.00

Real estate owned other than bank

premises ....................... .

31,302.93

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . .

7,566.39

-----

Total Assets . . . . . . . . . . . . . . . . . . $ 6,941,859.65

LIABILITIES
Demand deposits .. $ Time and savings deposits . Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions .................. Deposits of banks ........... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding . Other liabilities . Capital notes and debentures ..... o o Preferred stock o. o. o. o Common stock . Surpius . Undivided profits .. Reserves ...

2,179,165.23 3,171,865.31
32,974.97
714,814.33 10,000.00 2,184.51
None
None 254,678.35
None None 200,000.00 200,000.00 176,176.95 None

Total Liabilities .. $ 6,941,859.65

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF FOREST PARK Forest Park (Clayton), Ga.

As called for by the Superintendent of Banks

C. G. DUNCAN, SR., President.
Date of Charter: 5-9-1956

MARION A. GADDY,
Cashier. Began Business: 10-15-1956

ASSETS

Cash, balances with other banks. and

cash items in process of collection .. $ 1,178,457.85

United States Government obliga-

tions, direct and guaranteed .... I ,237,612.50

Obliga~i<;>~s of States and political

SUbdiVISIOnS , , , , , , , , , , , o ,

530,952.64

Securities of Federal agencies and

corporations not g u a rant e e d by

Otuh.esr. securities,corporatestocksand 1,162,550.00

<itock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts ........................ 3,289,446.90

Bank premises, furniture and fixtures,

and other assets representing bank

premises

126,364.45

Real estate owned other than bank

premises ....

None

Customers' liability to this bank on

acceptances outstanding . . . .

None

Other assets . . . . . . . . . . .

40,633.77

-----

Total Assets . $ 7,566,018.11

LIABILITIES
Demand deposits $ Time and savings deposits Deposits of U. S. Government .
Ddi~f;it~n~f. ~~~~es .a.~~. :~~i::cal ~~~:
Deposits of banks .......... Certified and officers' checks, etc...
Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding .......... Other liabilities Capital notes and debentures....... . Preferred stock ........... Common stock Surplus .... Undivided profits ... Reserves

3,672,945.42 2,346.832.52
114,204.82
772,377.66 10,000.00 45,673.75 None
None 108,670.32
None None 280,000.00 160,000.00 55,313.62 None

Total Liabilities $ 7,566,018.11

66

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE CITIZENS BANK OF CLAYTON COUNTY Forest Park (Clayton), Ga.

As called for by the Superintendent of Banks

CHAS. E. WELLS, President.
Date of Charter: 6-26-1964

HERMAN R. WALKER, Cashier.
Began Business: 11-21-1964

ASSETS

Cash balances with other banks, and cas'h items in process of collectio_n .. $
United States Government obhga~
tions, direct and guaranteed .... : .. Obligations of States and poht1cal
subdivisions .................... .
Securities of Federal agencies and corporations not g u a rant e c d by
u.s.
Other securities, corporate stocks and stock in Federal RPservc Bank ....
Loans and discounts, including over-

406,574.03 1,142,901.59
None
None None

drafts .................. 1,867,506.25

Bank premises furniture and fixtures,

and other a'sscts representing bank

premises ....................... .

191,188.04

Real estate owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets ...................... _ _ _1_0_,1_1_7_.2_1

Total Assets .................. $ 3,618,287.12

LIABILITIES
Demand deposits .................. $ Time and savings deposits ....... Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ...................... Deposits of banks .......... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand1ng ........................... . Other liabilities .................. . Capital notes and debentures ....... . Preferred stock ................ . Comn1on stock ................ Surplus ........................ Undivided profits ............. Reserves ....................

1,332,308.97 902,641.56 37,009.73
781,445.01 110,000.00
1,645.82 None
None 32,927.40
None None 200,000.00 150,000.00 70,308.63 None

Total Liabilities ............... $ 3,618,287.12

STATEMENT

Showing condition at the close of business December 31, 1965, of

CITIZENS BANK 01<' FORSYTH Forsyth (Monroe) , Ga.

As called for by the Superintendent of Banks

N. A. HARDIN, President.
Date of Charter: 2-17-192.0

G. A. BANKS, Cashier.
Began Business: 3-1-1920

ASSETS
Cash balances with other banks, and ca;h i terns in process of collectio.n .. $
United States Government obhgations, direct and guaranteed .... : ..
Obligations of States and poht1cal subdivisions ....... o o o o o o o o
Securi ties of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank .. o
Loans and discounts, including overdrafts ................. . .
Bank premises, furniture and fixtures, and other assets representing bank premises o. o. o o o o o o o o o o. o o o o
Real estate owned other than bank premises o o o o o o o o. o o. o. o. o o
Customers' liability to this bank on acceptances outstanding ........ .
Other assets . o
Total Assets ................. $

1,075,165.37 1,063,954.82
212,450.61
None None 571,679.31
5,520.89 24,000.GO
None None 2,952,771.00

LIABILITIES
Demand deposits ..................$
Time and savings deposits ........ . Deposits of U. S. Government ... o Deposits of States and political sub-
divisions o Deposits of banks .......... Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin~ ....................... Other liabilities .................. . Capital notes and debentures o o Preferred stock ............ Common stock .......... Surplus ................... Undivided profits .............. Reserves ...............

1,318,660.41 257,450.00 852,345.56
140,815.63 None
10,491.99 None
None 321.42 None None 40,000.00 60,000.00 33,624.84 239,061.15

Total Liabilities .......... $ 2,952, 771.00

FORTY-SIXTH ANNUAL REPORT

67

------------------------

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE FARl\lERS BANK Forsyth (Monroe), Ga.

As called for by the Superintendent of Banks

R. 0. PERSONS, JR.,

C. E. MACKEY

President.

Cashier.

Date of Charter: 3-9-1910

Benn Business: 1910

================~

ASSETS
Cash, balances with otht:>r b<mks, and cash ittms in process of collection .. $
United Statt>s Government obligations. direct and guarantcPd ..... .
Obli~ations of States and political subdivisions ................... , .
Securities of Federal agPncies and corporations not guar-anteed by
u.s.
Other securities, cornorate stock.;; and
stock jn FPderal Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixtur"<;.
and oth(T assets representing bank
premises ....................... . Real estate owned other than bank
premises ....................... . Customer:.' liability to this bank on
acceptances outstanding ........ . Other assets .....................

231,7'15.96 970,512.89
X one
:r\one 1'\one 1.267,671.65
2,75'2.00 X one I\ om
3,5:J6.25

LIABILITIES
Demand deposits ............. $ Time and savin~s deposits ........ . Deposits of U. S. Government .... Deposits of States and political sub-
divisions ............. Deposits of banks ............... Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ......... Other liabilities .. Capital notes and debentures ....... . Preferred stock ........... Con1n1on stock .........
Surplus ............ o. o.
Undivided profits .......... Reserves .. o

915,053.95 950,345.17 126,089.93
261,073.33 None
2,014.88 None
None i'one None None 100,000.00 50,000.00 71,671.49 None

Total Assets .................. $ 2,476,248.75

Total Liabilities ............... $ 2,476,248. 75

STATEMENT Showing condition at the close of business December 31, 1965, of

MONROE COUNTY BANK Forsyth (Monroe), Ga.

As called for by the Superintendent of Banks

CHARNER W. HILL, President.
Date of Charter: 11-2-1908

JAS. M. McCARTY, Cashier.
Began Business: 10-15-1908

ASSETS

Cash, balances with other banks, and

ca~h itf'ms in process of collection . $ 471,248.46

United States Government obliga-

tions, direct and guar-anteed ..... .

772,627.46

Obligations of States and political

subdivisions .................. o

607,967.51

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Other securities, corporate stocks and
stock in Federal Reserve Bank .. o.

628,429.69 None

Loans and discounts, .including over-

drafts .... o

1,453,553.49

Bank premises, furnitun.> a:nd fixtures,

and othC'r assets representing bank

premises .... o o o

4,519.47

Real estate owned other than bank

premist's .....................

None

Customers' liability to this bank on

acceptances outstanding ........

None

Other assets .....................

None

-----

Total Assets .................. $ 3,938,346.08

LIABILITIES
Demand deposits ................ $
Time and savings deposits .... Deposits of U. S. Government Deposits of States and political sub-
divisions .. o o o. Deposits of banks .... Certified and officers' checks, etc.. . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ........................... . Other liabilities ....... Capital notes and debentures ...... Preferred stock ......... Common stock Surplus ......... o Undivided profits ................ Reserves ........ o

1,408,558.06 1,896.804. 77
18,422.79
297.119.47 None
7,865.57 Kane
None 32,049.84
None None 25,000.00 100,000.00 77,525.58 75,000.00

Total Liabilities ............ $ 3,938,346.08

68

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

FORT GAINES BANKING COMPANY Fort Gaines (Clay), Ga.

As called for by the Superintendent of Banks

W. G. GRIMSLEY, President.
!)ate of ~rter: 2-11-1937

JAS. A. BROWN, Cashier.
Besran Business: 2-15-1937

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 447,511.05

United States Government obliga-

tions, direct and guaranteed ..... . 1,062,016.00

Obli~a~i?f!S of States and political

SUbdJVlSIOns ....... , , , , , , , , . , ,

212,869.50

Securities of Federal agencies and

corporations not guaranteed by

u.s.

None

Other securities, coroorate stocks and

stock in FPderal Reserve Bank ....

None

Loans and discounts, including over-

drafts ......................... .

454,885.79

Bank premises, furniture and fixtures,

and other assets representing bank

premises o o o. o 0 o

63,513.25

Real estate owned other than bank

premises . o. o 0 o. o

None

Customers' liability to this bank on

acceptances outstanding . 0 o o Other assets .......... 0 o

None None

-----

Total Assets .................. $ 2,240,795.59

LIABILITIES

Demand deposits ............... $ Time and savings deposits ....... Deposits of U. S. Government ..... .
Deposits of States and political subdivisions ......................
Deposits of banks ................ . Certified and officers' checks, etc... Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing .

Other liabilities ..................

Capital notes and debentures ....... .

Preferred stock ................

Common stock ............... o

Surplus

o o o o. o. o o o o o o o o

Undivided profits ............

Reserves o o o o o. o. o. o o o. o o o. o o

I, 128,740.58 643,528.97 4,790.00
178,469.11 None
6,230.99 None
None 3,637.08
None None 50,000.00 100,000.00 84,560.14 40,838.72

Total Liabilities .... $ 2,240, 795.59

STATEMENT

Showing condition at the close of business December 31, 1965, of

FORT OGLETHORPE STATE BANK Fort Oglethorpe (Catoosa), Ga.

As called for by the Superintendent of Banks

J. NOLAN SPEAR, President.
Date of Charter: 12-4-1963

W. ROYCE FRICKS, Cashier.
Began Business: 8-7-1964

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed. o o
Obli<;ations of States and political subdivisions ........ o o o o o
Securities of Federal agencies and coroorations not guaranteed by
Otuh.esr. securities,corporatestocks and
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts .................. . . . Bank premises, furniture and fixtures,
and other assets representing bank premises o. o Real estate owned other than bank premises ........ o. o Customers' liability to this bank on acceptances outstanding ... o Other assets ............ o o
Total Assets .................. $

369,609.40 272,357.38
10,554.76
None None 661,152.21
82,616.97 None None
3,264.33 1,399,555.05

LIABILITIES
Demand deposits ... $ Time and savings deposits .. o o Deposits of U. S. Government .. Deposits of States and political sub-
divisions ...... o. o o o o Deposits of banks .......... Certified and officers' checks. etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding . o o o oo Other liabilities ........ Capital notes and debentures, ..... Preferred stock ... Common stock ... Surplus ................... Undivided profits ....... Reserves o. o o o o o o o o. o o o.

584,347.22 313,585.85
38,486.51
256,177.24 None
4,264.97 None
None 3,660.71
None None 150,000.00 30,000.00 19,032.55 None

Total Liabilities $ 1,399,555.05

FORTY-SIXTH ANNUAL REPORT

69

STATEMENT

Showing condition at the close of buSiness December 31, 1965, of

BANK OF FORT VALLEY Fort Valley (Peach), Ga.

As called for by the Superintendent of Banks

ALBERT McCOWEN, JR. President.
Date of Charter: 10-11-1924

J. EDWARD TYSON,
Cashier. Be~~:an Business: l0-15-1924

ASSETS
Cash, balances with other banks, and cash items in nrocess of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obliga~i<;>~s of States and political
subdtVISlODS , ,
Securities of Federal agencies and cornorations not guaranteed by
Otuh.esr. securities,corooratestock~and
stock in FPderal Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixtures,
and oth('r assets representing bank premises ....................... . Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .
Total Assets .................. $

751,888.16 I ,296,917.31 I ,018,997.08
None None 3,281,034.93
330,376.06 2,452.08 None None
6,681,665.62

LIABILITIES
Demand deposits $ Time and savings deposits . Deposits of U. S. Government ..... .
Del!o.si.ts of States and political sub diVISIOns o , , , , , , , , , . , , , , . , , ,,
Deposits of banks ........ Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstand
ing o. o Other liabilities Capital notes and debentures ...
Preferred stock ............ Common stock o o o o o o o o o Surplus Undivided profits Reserves .. o o o. o o o o o

2,873,956.22 1,512,273.87
79,330.70
1,286,217. 79 None
24,833.95 None
None 44,942.09
None None 300,000.00 400,000.00 160,111.00 None

Total Liabilities $ 6,681,665.62

STATEMENT

Showing condition at the close of buSiness December 31, 1965, of

THE CITIZENS BANK Fort Valley (Peach), Ga.

As called for by the Superintendent of Banks

C. E. MOORE,
President. Date of Charter: 12-24-1906

WM. H. HUCKABEE, Cashier.
Began Business: 1-1-1907

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obliga.ti!'~s of States and political subdtVJSIOnS ... , . , , ....... ,
Securities of Federal agencies and corporations not g u a rant e e d by
Otuh.esr. securities,corporatestocksand
stock in Federal Reserve Bank ... Loans and discounts, including over-
drafts ......................
Bank premises, furniture and fixtures, and other assets representing bank premises o
Real estate owned other than bank premises o o.
Customers' liability to this bank on acceptances outstanding ......
Other assets ........

1,004,150.94 557,276.85 57,000.00
None IG5,000.00 2,251,586.45
149,999.00 1.00
None None

Total Assets $ 4,125.014.24

LIABILITIES
Demand deposits $ Time and savings deposits Deposits of U. S. Government Deposits of States and political sub
divisions .............. Deposits of banks ...... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ... o Other liabilities Capital notes and debentures ....... . Preferred stock ........... Common stock o Surplus ..... Undivided profits .. Reserves o

1,734,617.02 I ,305, 741.81
10,090.09
531,678.35 50,000.00
8,966.14 None
None 88,046.24
None None 100,000.00 200,000.00 95,874.59 None

Total Liabilities . , $ 4,125,014.24

70

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of
THE BANK OF HEARD COUNTY Franklin (Heard), Ga.

As called for by the Superintendent of Banks

T. W. GOODSON, President.
Date of Charter: 10-14-1905

THOMAS W. GOODSON, JR.,
Cashier. Began Business: 10-18-1905

ASSETS
Cash. balances with other banks, and cash itf'ms in process of collection .. $
United Statf's GovPrnmr-nt obligations. direct and guaranteed ..... .
Obli~ations of States and political subdivisions ...................
Securities of Federal agencies and cornorations not guaranteed by U.S........................... .
Other securitiPs, coroorate stocks and stock in F1deral RPservc Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furnitun and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

588,799.46 710,580.83 69,051.07
249,800.00 None
i12,5i8.i2
18,116.79 None None None

Total Assets .................. $ 2,348,926.8i

LIABILITIES
Demand deposits .................. $ Time and savings deposits ........ Deposits of U. S. Government ..... . Deposits of States and political sub
divisions ....................... . Deposits of banks ........ Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstanding ...... o o o o o o o Other liabilities ... o o o. o Capital notes and debentures ....... . Preferred stock o Common stock o o o o o o o o Surplus ......... o Undivided profits ... , o o o Reserves ......... o. o

892,737.32 909,449.24
16,261.15
253,109.67 None
1,721.94
!\""one
None 184.33 None None 50,000.00 175,000.00 40,463.22 10,000.00

Total Liabilities ............... $ 2,348,926.87

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE CITIZENS BANK Gainesville (Hall), Ga.

As called for by the Superintendent of Banks

HEYWARD C. HOSCH,
President. Date of Charter: 5-19-1913

HARRY E. MARTIN,
Cashier. Began Business: 6-1913

ASSETS
Cash. balances with other hanks. and cash items in nrocess of collection .. $
United States Government obligations. direct and guaranteed ..... .
Obliga~i~)r:s of States and political subdJVISIOllS . , , . , ... , , , . , ....... .
Securities of Federal agencies and coroorations not guaranteed by U.S........................... .
Other securitiPs, coroorate stocks and stock in y,.df'ral Reserve Bank ....
Loans and discounts, including overdrafts ................... . ..
Bank premis<'S. furnitun.., and fixture'>, and other assets representing bank premist"s ......................
Real estate owned other than bank premises ....................... .
Custom(rs' liabilitv to this bank on acceptances outs:tanding ........ .
Other assets .....................

1,985,381.69 2,650,441.16
303,.)0U.t10
1,335,22G.40 178,640.00
5,151,248.32
39,994. ii !\one
~one
3,085.58

Total Assets .................. $ 11.649,511.92

LIABILITIES
Demand deposits .................. $ Time and savings deposits . o o. o o., Deposits of U. S. Government o DeJ?O~i~s of States and political sub
diVISIOns , .. , , o o o o , . , . o . , oo
Deposits of banks . o o o o o o o
Certified and officers' checks, etc. o.
Other liabilities for borrowed mon~y.
Acceptances executed by or for account of this bank and outstand-
ing .................... o.
Other liabilities ........... Capital notes and debentures ....
Preferred stock o o o o
Common stock . o. o. o o. Surplus ........................ Undivided profits .............. Reserves ...... o o o. o o. o. o.

5,984,816.35 3,512,492.69
193,169.91
I ,022, i80.23 47,800.43 3,193. i8 None
~one
1\one
~one
None 300,000.00 250,000.00 269.0i6.30
66,182.23

Total Liabilities ............... $ 11,649,511.92

FORTY-SIXTH ANNUAL REPORT

71

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF GIBSON Gibson (Glascock), Ga.

As called for by the Superintendent of Banks

LOUIE H. GRIFFIN, M.D.,
President. Date of Charter: 11-7-1905

E. E. GRIFFIN, JR., Cashier.
Began Business: 11-27-1905

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 191,645.02

United States Government obliga-

tions, direct and guaranteed ..... .

685,625.00

Obli{{ations of States and political

subdivisions .................... .

115,915.16

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Other securitics, coroorate stocks and

None

stock in Ff'deral Reserve Bank ....

None

Loans and discounts, including over-

drafts ......................... .

137,365.74

Bank premises, furniture and fixtures,

and other assets represt>nting bank

premises ....................... .

11,000.00

Real estate owned other than bank

premises .....................

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other

assets

.....................

.

-

-

-

None
--

Total Assets .................. $ 1,141,550.92

LIABILITIES
Demand deposits ........ $ Time and savings deposits .......
Deposits of U. S. Government .... Deposits of States and political sub-
divisions .............
Deposits of banks .......... Certified and officers' checks, etc..
Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
ing .......... Other liabilities .. Capital notes and debentures ....... .
Preferred stock ................ Common stock ......... Surplus ................... Undivided profits . Reserves ...........

623,199.16 None None
440,000.00 None
1,221.26 None
None None None None 25,000.00 37,500.00 14,630.50 None

Total Liabilities .......... $ 1,141,550.92

STATEMENT

Showing condition at the close of business December 31, 1965, of
CITIZENS BANK Glennville (Tattnall), Ga.

As called for by the Superintendent of Banks

T. R. SMITH, President.
Date of Charter: 12-31-1942

MRS. MARGARET D. BACON, Cashier.
Began Business: 1-4-1943

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations. direct and guaranteed......
Oblig;a~i?~~ of States and political subdiVIsiOns ................... .
Securities of Federal agencies and coruorations not guaranteed by
u.s. . . . . . . . . . . . . . . . . . . . . . . . . . . .
Othf'r securities, corporate stocks and stock in Federal Reserve Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtnres, and othrr assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . .
R<"al estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .

289,885.68 764,010.65 64.000.00
333,937.50 None
863,953.78
21,554.22 None None None

Total Assets .................. $ 2,337,341.83

LIABILITIES
Demand deposits .......... $ Time and savings deposits ..... Deposits of U.S. Government ... Deposits of States and political sub
divisions ................... Deposits of banks ........ Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
Illg ,, ,, ,
Other liabilities ............... Capital notes and debentures ....... .
Preferred stock Common stock .. Surplus ....................... Undivided profits ........ Reserves ...........

782,534.40 892,757.46
!1,924.99
380,154.20 None
2,696.49 None
None 22,015.76
None None 60,000.00 60,000.00 128,258.53 None

Total Liabilities ......... $ 2,337,341.83

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of
THE GLENNVILLE BANK Glennville (Tattnall), Ga.

As called for by the Superintendent of Banks

J. A. BACON, President.
Date of Charter: 1-12-1905

J. A. ROGERS, Cashier.
Began Business: 1-18-1905

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obliga tions, direct and guaranteed ..... .
Obliga~i?~s of States and political
subdtVISIOflS , , , , , ,
Securities of Federal agencies and
u.rs.or~~i~ns.~~~ ..g.~~~~-n. ~~~~- .~:
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including over drafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... o
Customers' liability to this bank on acceptances outstanding .. o. o.. o.
Other assets . o..... oooo. oo.... o...

590,449.23 1,051,029.16
195,495.31
None None 2,553,279.54
20,873.72 None None
6,680.78

Total Assets .................. $ 4,417,807.74

LIABILITIES
Demand deposits ........... , . $ Time and savings deposits ...
Deposits of U. So Government .... Del?o~i~s of States and political sub-
diVISIOns , , , , , .. , . , , , , , , , . , o, Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstanding .... Other liabilities ......... Capital notes and debentures ...... Preferred stock ................ . Common stock .........
Surplus ................ Undivided profits ................ . Reserves ....

1,446,008.13 2,216,755.41
11,102.02
312,578.44 None
34,924.14 None
None 31,566.24
None None 100,000.00 100,000.00 164,873.36 None

Total Liabilities ............... $ 4,417,807.74

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE GORDON BANK Gordon (Wilkinson), Ga.

As called for by the Superintendent of Banks

R. F. GIBBS, President.
Date of Charter: 6-8-1946

DONALD R. GIBBS, Cashier.
Began Business: 8-1-1946

ASSETS
Cash, balances with other banks, and cash i terns in urocess of collection o. $
United States Government obligations. direct and guaranteed ..... .
Oblio:a~i?'!S of States and political subdiVISIOnS ...... oo...... , o, ooo.
Securities of Federal agencies and
cuo.rsn.o.r.a.t i.o.n.s. .n. o. t. . .g.u.a.r.a. n. .t e. .e.d. . .b y.
Other securities, cornorate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ..................
Bank premises, furniture and fixtnre<>. and other assets representing bank premises ......... o............. .
Real estate owned other than bank premises ..................... o..
Customers' liability to this bank on acceptances outstanding oo...... .
Other assets ....... o....... o..... o
Total Assets .................. $

479,919.29 350,000.00 106,203.00
380,000.00 None
966,330.90
9,587.52 10,000.00
None None 2,302,040.71

LIABILITIES
Demand deposits .................. $ Time and savings deposits .. Deposits of U. S. Government .. Del?o~i.ts of States and political sub-
divtstons .......... Deposits of banks ................ .
Certified and officers' checks, etc.. Other liabilities for borrowed money.
Acceptances executed by or for ac count of this bank and outstanding
Other liabilities ................. .. Capital notes and debentures
Preferred stock ........... , .... . Common stock ................. . Surplus ......................... . Undivided profits ............... ..
Reserves .....

713,684.50 975,164.60
2,435.00
352,676.97 None
1,018.92 None
None None None None 70,000.00 100,000.00 87,060.72 None

Total Liabilities ............... $ 2,302,040. 71

FORTY-SIXTH ANNUAL REPORT

73

STATEMENT Showing condition at the close of business December 31, 1965, of
BANK OF GRAY Gray (Jones), Ga. As called for by the Superintendent of Banks

D. V. CHILDS, JR., President.
Date of Charter: 8-23-1909

D. V. CHILDS, JR., .Cashier.
Began Business: 8-28-1909

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed......
Obligations of States and political subdivisions . . . . . . . . . . . . . . . . . . . . .
Securities of Federal agencies and coroorations not guaranteed by U.S..........................
Other securitit's, coroorate stocks and stock in Federal Re'iervc Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtures,
and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . . Real estate owned other than bank
premises . . . . . . . . . . . . . . . . . . . . . . Customers' liability to this bank on
acceptances outstanding . . . . . . . . . Other assets . . . . . . . . . . . . . . . . . . . . . .

623,727.33 634,559.50
75,766.75
None None 826,980.39
30.1!8.08 None None None

Total Assets .................. $ 2,191,152.10

LIABILITIES
Demand deposits ...... $ Ttme and savings deposits ... Deposits of U. S. Government ..... .
D:Ji~i~J~n~f ~~~~cs .a.~~ ~~~i:ical ~~~~
Deposits of banks ............. Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding . Other liabilities .................. . Capital notes and debentures ....... . Preferred stock ................. . Common stock ... Surplus ................. , ....... . Undivided profits ................ . Reserves ..... , ......

907,CH4.30 420,822.118
5,327.90
685,171.29 None
:.,797.30 None
None
~one
":\one
~one
50,il00.(10 50,000.00 66,949.23
None

Total Liabilities ............ $ 2,191,1.'i2.10

STATEMENT Showing condition at the close of business December 31, 1965, of
BANK OF GREENSBORO Greensboro (Greene), Ga. As called for by the Superintendent of Banks

H. D. GOODWIN, President.
Date of Charter: 10-13-1926

C. WELIJON SMITH, Cashier.
Began Business: 10-14-1926

ASSETS

Cash, balances with other banks, and

cash i terns in process of collection .. $ 523,209.99

United States Government obliga-

tions, direct and guaranteed ..... .

462,980.67

Obliga!i'.''!S of States and political

subdlVlSIOnS . , , , , . , , , , , , , , , , , ...

394,708.04

Securities of Federal agencies and

corporations not guaranteed by

Otuh.esr. securities,corporatestocksand

797,925.79

litock in Federal Reserve Bank .

None

Loans and discounts, including over-

drafts ......................... . 1, 739,808.97

Bank premises, furniture and fixtures,

and other assets representing bank

premises

11,681.18

Real estate owned other than bank

premises .....

9,800.00

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other assets ...............- - - -No-ne

Total Assets ... $ 3,940,114.64

LIABILITIES
Demand deposits ................. $ Time and savings deposits Deposits of U. S. Government .....
Ddi~i~J~n~f . ~~~ ~e.s. an~ . :~:i ~ical. ~~~~
Deposits of banks ............. Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ............. Other liabilities .................. . Capital notes and debentures ....... . Preferred stock ................ Common stock .. Surplus ......... Undivided profits ................ . Reserves ..

1,022, 708.93 1,803,467.42
49,066.08
702,537.99 40,000.00 48,634.02
None
None 8,000.00
None None 100,000.00 150,000.00 15,700.20 None

Total Liabilities .... $ 3,940,114.64

74

DEPARTMENT OF BANKIKG

STATEMENT

Showing condition at the close of business December 31, 1965, of
THE CITIZENS BANK Greensboro (Greene), Ga.

As called for by the Superintendent of Banks

J. M. REYNOLDS, SR., President.
Date of Charter: 3-9-1946

L C. MITCHELL, Cashier.
Began Business: 4-1-1946

ASSETS

Cash balancrs with other banks, and cas'h items in nrocess of collect;o_n .. $
United States Government obliga-
tions, direct and guaranteed .... : .. Obliga~ic;n~s of States and pohttcal

424,209.25 444,915.75

subdiVISlOUS , , ,
Securities of Federal agencies and

317,782.25

cornorations not guaranteed by

u.s.
Other securities, cornorate stocks and

None

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts .........................

%6,989.12

Bank premises, furniture and fixtures.

and other assets representing bank

premises ......................

69,705.37

Real estate owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . .

2, 732.49

-----

Total Assets .................. $ 2,229,334.23

LIABILITIES
Demand deposits ........ : ........ $ Time and savings deposits o o o o
Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions .. o o o o o o o o. o. o o Deposits of banks ..... Certified and officers' checks, etc.... Other liabilities for borrowed money.
Acceptances executed by or for ac count of this bank and outstand in~ . . . . . . . . . . . . . . . . . . o o
Other liabilities ....... o. o. o o o,. Capital notes and debentures ....... .
Preferred stock o o
Common stock ......... o o o o Surplus ........................ Undivided profits ..... o. o o o o Reserves ...... o o o. o o. o o o.

838,416.42 881,378.28
8,191.33
255,032.22 None
2,035.33 None
None 504.00 None None 75,000.00 87,500.00 81,276.65 None

Total Liabilities .......... $ 2,229,334.23

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE GREENVILLE BANKING COMPANY Greenville (Meriwether), Ga.

As called for by the Superintendent of Banks

R. J. ATKINSON, President.
Date of Charter: 10-24-1887

R. M. PHILLIPS, Cashier.
Began Business: 1891

ASSETS

Ca~sahs'h

balances items in

with other process of

banks, and collectio_n .. $

United States Government obliga-

tions, direct and guaranteed .... : .. Obli~a~i<_>~s of States and poht1cal

subdiVISIOnS ....... . .

Securities of Federal ag-encies and

corporations not guaranteed by

u.s.
Other securities, corporate stocks and

stock in FPderal Reserve Bank ....

Loans and discounts, including over-

drafts .......................

Bank premises, furniture and fixtures,

and other assets representing bank

premises ....................... .

Real estate owned other than bank

premises ....................... .

Customers' liability to this bank on

acceptances outstanding ........ .

Other assets ..................... .

Total Assets .................. $

489,933.52 665,045.22 173,318.95
259,984.75 :"J"one
781,040.76
8,7:!7.70 None None
3,032.69 2,381,083.59

LIABILITIES
Demand deposits ........... $ Time and savings deposits .. o Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ...... o. o. o o o Deposits of banks . o o o o o o o Certified and officers' checks, etc.... Other liabilities for borrowed mone:y. Acceptances executed by or for ac-
count of this bank and outstand~ ing .................. o o. o o. oo. Other liabilities ............ Capital notes and debentures....... . Preferred stock ..... o o o Common stock .... o o o. o o o o. o. o. Surplus ............ o o o. o o o Undivided profits .............. Reserves .......... o o o o o o o o

872,195.70 805,144.64
25,841.73
471,274.37
~one
3,498. 78 None
Nonf! 15,324.00
None None 50,000.00 65,000.00 72,804.37 None

Total Liabilities ............. $ 2,381,083.59

FORTY-SIXTH ANNUAL REPORT

75

STATEMENT Showing condition at the close of business December 31, 1965, of
COMMERCIAL BANK & TRUST COMPANY Griffin (Spalding), Ga.
As called for by the Superintendent of Banks

C. T. PARKER, President.
Date of Charter: 10-11-1889

JACKSON D. HARDY, Cashier.
Began Business: 10-9-1890

ASSETS

Cash, balances \vith other banks. and

cash items in process of collection .. $ 3,006,603.77

Unitcd States Government obliga-

tions, direct and guaranteed...... 6,373,663.93 Obli~a~i<;n~s of States and political

subdivisiOns . . . . . . . . . . . . . . . . . . . . . 3,278,265.78

Securities of Federal agencies and

cornorations not guaranteed by

U.S. . . . . . . . . . . . . . . . . . . . . . . . . . . .

None

Other securities, cornorate stocks and

stock in FPderal Reserve Bank....

None

Loans and discounts, including over-

drafts . . . . . . . . . . . . . . . . . . . . . . . . . . 12,598,469.79

Bank premisPs, furniture and fixtures,

and other assets representing bank

premises . . . . . . . . . . . . . . . . . . . . . . . .

366,318.53

Real estate owned other than bank

prcmises . . . . . . . . . . . . . . . . . . . . . . . .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . .

None

Total Assets .................. $ 25,623,321.80

LIABILITIES
Demand deposits ..... $ Time and savings deposits o. o. Deposits of U. S. Government ... Deposits of States and political sub-
divisions ....... o o o o Deposits of banks . o. o o o Certified and officers' checks, etc.. o Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ...... o. o o o o o o o o. Other liabilities . o o o o o o Capital notes and debentures ...... Preferred stock ........... Common stock ....... o. o Surplus ................... Undivided profits .......... ReserYes .. o. o o o o. o o o

9,046,576.82 9,685,986.28
497,575.80
2,801,294.38 515,263.06 209,619.31 None
None 996,619.55
None None 400,000.00 I ,200,000.00 270,386.60 None

Total Liabilities ............... $ 25,623,321.80

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE STATE BANK Griffin (Spalding), Ga.

As called for by the Superintendent of Banks

C. A. KNOWLES, President.
Date of Charter: 4-24-1933

F. WESTMORELAND, Cashier.
Began Business: 5-2-1933

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
Unitcd Statcs Government obligatiollS, direct and guaranteed ..... .
Obli~ations of States and political subdivisions .................... .
Securities of FPderal agencies and
cuo.rsp.o.r.a.t i.o.n.s. .n.o. t. . .g.u.a.r.a.n. .t e. .e.d. . .b y.
OthC'r SC'curities, corporate stocks and stock in Federal Reserve Bank ....
Loans and di:.cmmts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and ?ther assets represC"nting bank premtses ....................... .
Real estate owned other than bank premises ....................... .
Customcrs' liabilitv to this bank on acceptances outs:tanding ........ .
()ther assets .....................

1,428,127.51 1,704,793.82 1.652,672.00
None
3o.cc~:.oo
6.884.872. 76
Wl.867.56 S:l,611.09
I" one A one

Total Assets .................. $ 11,933.944.71

LIABILITIES
$ Demand deposits o o, Time and savings deposits .... Deposits of U. S. Government . o Deposits of States and political sub-
divisions ........ o o' o Deposits of banks o o. o. o o o o Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding- . . . . . . . . . . . . . . . o o o Other liabilities ........... Capital notes and debentures ....... . Preferred stock o o o o Common stock o o o o o o o o Surplus ............... o o Vndividt~d profits .... Reserves ....... o o.

4,900,102.19 4,034,641.02
189,739.83
1,400,407.i6 None
89,780.75 None
None 112,986.15
None None 300,000.0() 700,000.00 206,287.04 None

Total Liabilities .............. $ 11,933,944.74

76

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

JONES COUNTY BANK Haddock (Jones), Ga.

As called for by the Superintendent of Banks

L. M. WOODCOCK, President.
Date of Charter: 7-14-1905

L. M. WOODCOCK, Cashier.
Began Business: 7-25-1905

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed......
Obligations of States and political subdivisions . . . . . . . . . . . . . . . . . . . . .
Securities of Federal agencies and coroorations not guaranteed by U.S. . . . . . . . . . . . . . . . . .. .. . . . . . . .
Other securities, cornorate stocks and stock in Federal Reserve Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtures, and otht>r assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Real :>state owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .
Total Assets .................. $

428,178.33 102,000.00 65,680.93
None None 420,532.89
938.00 None None 34,186.98 1,051,517.13

LIABILITIES
Demand deposits .................. $ Time and savings deposits ........ . Deposits of U.S. Government ..... Deposits of States and political sub-
divisions ....................... Deposits of banks ................ . Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ................ Other liabilities .................. Capital notes and debentures ....... . Preferred stock ............... Common stock ................. . Surplus . , .. , . , , . , . , ............. Undivided profits .......... Reserves .......................

703,672.21 113,554.96
902.50
100,000.00 None
3,804.86 None
~one
None None None 25,000.00 75,000.00 29,582.60 None

Total Liabilities ............... $ 1,051,517.13

STATEMENT

Showing condition at the close of business December 31, 1965, of

CITIZENS BANK OF HAHIRA Hahira (Lowndes), Ga.

As called for by the Superintendent of Banks

D. K. HOLLIS, JR.,
President. Date of Charter: 2-12-1927

GEO. H. STALVEY, Cashier.
Began Business: 2-21-1927

ASSETS

Cash, balanct's with otht'r banks, and

cash items in process of collection .. $ 445,119.20

United States Government obliga-

tions. direct and guaranteed ..... . Obli~a~i<:n~s of States and political

261,936.69

subdiVISIOns ........... , ........ .

74,935.69

Securities . of Federal agencies and

corporatiOns not guaranteed by

Otuh.esr. sPcurities,cornoratpstocksand

99,984.38

stock in FPderal Re.;;C'rve Bank ....

None

Loans and discounts, including over-

drafts ......................... . 1.335,450.38

Bank premisC'<>, furniture and fixtures.

and other assets representing bank

premisrs ....................... .

24. i68.68

Real estate ownPd other than bank

premises ....................... .

14,600.00

Customers' liabilitv to this bank on acceptances outs~tanding ........ .

None

OthPr assets ..................... .

None

-----

Total Assets .................. $ 2,2]6,795.52

LIABILITIES
Demand deposits .................. $ Time and savin~s deposits ........ . Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ....................... . Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ................. Other liabilities ................. Capital notes and debentures ....... .
Preferred stock ............... Common stock .......... Surplus ........... , , ............ , Undivided profits ................ Reserves .........................

924,630.57 I ,013,892.80
7,135.00
110.~':!1!.31
9,288.16 None None
None 31 .~06.46
None None 50,000.110 75,000.0(1 3:i,294.22 !\one

Total Liabilities ............... $ 2,256. i95.52

FORTY-SIXTH ANNUAL REPORT

77

STATEMENT

Showing condition at the close of business December 31, 1965, of COMMERCIAL BANKING COMPANY Hahira (Lowndes), Ga.
As called for by the Superintendent of Banks

TALLEY LAWSON, President.
Date of Charter: 1-29-1945

V. A. GASKINS, Cashier.
Began Business: 4-5-1.945

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $

99,459.15

United States Government obliga-

tions, direct and guaranteed .... : ..

705,110.90

Obligations of States and pohttcal

subdivisions .................... .

5,000.00

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Other securities, corporate stocks and

None

stock in Federal Reserve Bank....

None

Loans and discounts, including over-

drafts ......................... .

224.598.51

Bank premises, furniture and fixtures,

and other assets representing bank

premises ...............

30,5011.00

Real estate owned other than bank

premises .....................

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other assets ..................... . - - -N- one

Total Assets .................. $ 1,064,668.56

LIABILITIES
Demand deposits . $ Time and savings deposits .. Deposits of U. S. Government .....
DJi~i~it~0~f. ~~~~es .a.~~. :~~i~~cal ~~~:
Deposits of banks ........... Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding . Other liabilities . Capital notes and debentures ....... . Preferred stock ............... Common stock . Surplus .. Undivided profits . Reserves ....

404,259.25 493,430.31
472.59
79,209.01 None
5,872.35 None
None 5,500.00
None None 25,000.00 50,000.00 925.05 None

Total Liabilities ...... $ 1,064,668.56

STATEMENT

Showing condition at the close of business December 31, 1965, of

CITIZENS BANK OF HAPEVILLE Hapeville (Fulton), Ga.
As called for by the Superintendent of Banks

K. E. STEARNS, President.
Date of Charter: 7-20-1945

H. N. BUCHANAN, Cashier.
Began Business: 9-4-1945

ASSETS
Cash, balances with other banks. and cash items in process of collection .. $
United States Government obligations, direct and guaranteed .....
Obliga!i~n!s of States and political subdiVISIOnS , , . , , , , , , , , , . , , , .
Securities of Federal agencies and
uc o.rsp.o.r.a.t i.o.n.s. .n.o.t. .g. .u.a.r.a.n. .t .e.e.d. . .b y.
Other securities, corporate stocks and 'Stock in Federal Reserve Bank ..
Loans and discounts, including overdrafts .........................
Ba.nk premises, furniture and fixtures, and other assets representing bank premises
Real estate owned other than bank premises ....
Customers' liability to this bank on acceptances outstanding ....
Other assets ..........

1,915,049.49 1,472,870.23
863,127.79
755,000.00 None
5,895,591.35
263,085.91 72,903.02 None 40,474.94

Total Assets $ 11,278,102.73

LIABILITIES
Demand deposits $ Time and savings deposits Deposits of U. S. Government ...
DJi~i;{~n~. ~~~~es .a.~~. :~~i~~cal ~~~:
Deposits of banks ............ Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding .............. Other liabilities Capital notes and debentures ....... . Preferred stock ............. Common stock . Surplus ........ Undivided profits ... Reserves

5,820, 777.16 3,001,676.33
125,990.93
677,674.45 24,642.57 141,365.85
1'\one
None 452,020.12
None None 600,000.00 200,000.00 233,955.32 None

Total Liabilities $ 11,278,102.73

78

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF COLUMBIA COUNTY Harlem (Columbia), Ga.

As called for by the Superintendent of Banks

E. D. CLARY, JR. President.
Date. of Charter: 11-29-1909

HENRY E. L. MILLER, Cashier.
Began Business: 12-13-1909

ASSETS
Cash, balances with other banks, and cash items in nrocess of collection .. $
United States Government obligations, direct and guaranteed ....
Obli~ations of States and political
subdivisions ..... ...... Securities of Federal agencies and
coroorations not guaranteed by
u.s. . . . . . . . . . . . . . . . . . . . . . . . . . . .
Other securities, cornorate stocks and stock in Federal Reserve Bank....
Loans and discounts, including over-
drafts ................. Bank premises, furniture and fixtures,
and other assets rt>presenting bank premises ...................... Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . Customers' liability to this bank on acceptances outstanding . . . . . . . . . Other assets . . . . . . . . . . . . . . . . . . . . . .

459,482.95 867,001.72 108,980.81
151,000.00 None
837,791.57
15,506.13 None None None

Total Assets .................. $ 2,439,763.18

LIABILITIES
Den1and deposits ................ $ Time and savings deposits ....... Deposits of U. S. Government ..... Deposits of States and political sub-
divisions ................... Deposits of banks _ _. _ __ .. __ .
Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstand-
Ing .
Other liabilities ................ Capital notes and debentures ....... .
Preferred stock ................ Comn1on stock .............. Surplus ..................... Undivided profits . " ............. Reserves ...................

889,869.80 592,571.02
24,983.88
666,917.36 None 317.89 None
None 5,214.10
None None 50,000.00 150,000.00 39,889.13 20,000.00

Total Liabilities--------$ 2,439, 763.18

STATEMENT
Showing condition at the close of business December 31, 1965, of
BANK OF HARTWELL Hartwell (Hart), Ga_

As called for by the Superintendent of Banks

J. H- WRIGHT, President.
Date of ChRrter: 5-15-1961

SIMS HILL, Cashier.
Began Business: 11-9-1961

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 565,371.75

United States Government obliga-

tions, direct and guaranteed ..... . Obli~ations of States and political

1,443,606. 74

subdivisions .................... .

None

Securities of Federal agencies and

coroorations not guaranteed by

Otuh.esr. securities,corporatestocksand

124,906.25

stock in FPderal Reserve Bank ....

None

Loans and discounts, including over-

drafts ......................... .

973,810.79

Bank premises, furniture and fixtures,

and other assets representing bank

premises ..... o

69,132.12

Real estate owned other than bank

premises ....... o o o

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Otber assets ..................... _____2:._,8_1_0_.8_4

Total Assets .................. $ 3,179,638.49

LIABILITIES

Demand deposits _. _.---. _. - .. - $

Time and savings deposits ......

Deposits of U. S. Government .....

Deposits of States and political sub-

divisions ............ o

Deposits of banks .....

Certified and officers' checks, etC....

Other liabilities for borrowed money.

Acceptances executed by or for ac

count of this bank and outstand-

in!'.:!;

o o

Other liabilities . ___ . __ -- _-

Capital notes and debentures ......
Preferred stock ............. Common stock ....... Surplus .. _... _. _... _ _. _.. _. Undivided profits ... _. _.. __ __

Reserves .....................

1,222,264.40 954,033.43 27,222.20
641,511.73 None
9,160.03 None
None 36,487.87
None None 150,000.00 82,500.00 56,458.83 None

Total Liabilities . _. _.- .. _... -$ 3,179,638.49

FORTY-SIXTH ANNUAL REPORT

79

STATEMENT

Showing condition at the close of business December 31, 1965, of

CITIZENS BANKING COMPANY Hartwell (Hart), Ga.

As called for by the Superintendent of Banks

E. C. GRIFFETH, President.
Date of Charter: 11-28-1942

J. E. WEAVER, Cashier.
Began Business: 1-2-1943

ASSETS
Cash, balances \vith other banks, and cash itcms in procPss of collection .. $
Unitt:"d States Government obliga-
tions. direct and guaranteed ..... Obligations of States and political
subdivisions ................... Securities of Federal agencies and
cornorations not guaranteed by U.S. . . . . . . . . . . . . . . . . . . . . . . . . . . . Other SC'curitiPs, corporate stocks and stock in Federal Reserve Bank.... Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . . Bank premises, furniture and fixturt>s, and other assets representing bank
premisPs . . . . . . . . . . . . . . . . . . . . . . . . Real estate owned other than hank
pren1ises . . . . . . . . . . . . . . . . . . . . . . . . Customers' liability to this bank on
acceptances outstanding . . . . . . . . . Other assets . . . . . . . . . . . . . . . . . . . . .

1,037,004.33 1,876,090.41
492,345.38
455,433.64 :I\' one
2,971,950.55
100,000.C(} l"\one !\one None

Total Assets .................. $ 6,932,824.31

LIABILITIES
Dernand deposits ....... $
Time and sa,in~s deposits ....... Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions , .......... Dt'posi ts of banks .............. Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances exccuUd by or for ac-
count of this bank and outstandin~ ................ Other liabilities .. Capital notes and debentures ...... Preferred stock ................ Common stock .............. Surplus ........ , , , ....... , , , . , T.:ndivided profits ................ . Reserves ........

2,853,760.02 2,i47.461.37
146,332.69
5i4,524.01 None
il.699.B3
~one
None None None ::"Jonc 100,000.00 100,000.00 100,000.00 239,046.39

Total Liabilities ............... $ 6,932,824.31

STATEMENT Showing condition at the close of business December 31, 1965, of
PLANTERS BANK Hawkinsville (Pulaski), Ga. As called for by the Superintendent of Banks

W. N. PATE, President.
Date of Charter: 2-27-1896

OTIS R. MAYO, Cashier.
Began Business: 3-1896

ASSETS
Cash, balances with other banks, and cash items in process of collection . .' $
United States Government obligations, direct and guaranteed ..... .
Obli~ations of States and political subdivisions ....................
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

538,991.46 l,B43,221.07
568,089.21
None ?'\one I ,841,383.95
61,195.26 None None
2,545.88 4,855,426.83

LIABILITIES
DC'mand deposits ........... $ Time and savings deposits .... Deposits of U. S. Government ... Deposits of States and political sub-
divisions ................... Deposits of banks ..... Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
Illg' , , , , , ,, , ,.,,.
Otht'r liabilities ........ Capital notes and debentures ....... .
Preferred stock ................. . Common stock . Surplus ............ L'ndivided profits . Reserves ......

2,288,943.13 1,715,283.66
ll ,06i .10
336.922.12 None
39,16'i.i3 None
Nnne 10,000.00
None Konc 100,000.00 100,000.00 25,000.00 229,045.09

Total Liabilities ............ $ 4.855,426.83

80

DEPARTMENT OF BANKIKG

STATEMENT Showing condition at the close of business December 31, 1965, of
THE PULASKI BANKING COMPANY Hawkinsville (Pulaski), Ga.
As called for by the Superintendent of Banks

R. D. BUCHAN, President.
Date of Charter: 7-20-194:1

W. D. GRIFFIN, JR., Cashier.
Began Business: 8-27-1949

ASSETS

ca~h. balances \vith other banks, and cash it('ffiS in proc'ss of collection .. $
United States Government obliga-
tions. direct and guaranteed ..... . Obli~ations of States and political
subdivisions ....................

448,898.44 707,922.40
None

Securities of Federal agencies and

coroorations not gua;an teed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including over-
drafts ................. . . Bank premise<;, furniturt> and fixtqres,
and other assets representing bank
premises ....................... .

I\' one ::'\onl 1,858,670.36
70,113.08

Rt>al estate owned otht>r than bank

premises ....................... .

I\one

Customers' liability to this bank on acceptances outstanding ........ .

~one

Other assets ..................... .

None

-----

Total Assets .................. $ 3,085,604.28

LIABILITIES
Demand deposits .......... $ Time and savings deposits ...... Deposits of U.S. Government ..... Deposits of States and political sub-
divisions ................... Deposits of banks , .. , ....... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin~ .......... Other liabilities ............. Capital notes and debentures ...... Preferred stock ........... Common stock ............... Surplus .................... Cndivided profits ........ Reserves .......... ,

1,459.985.18 1,054,466.80
None
335,762.81 None
19,261.67 None
None 8,627.82
~one
:!\'"one 100.000.00
50,000.00 57,500.00
X one

Total Liabilities , .......... $ 3,085,604.28

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF HAZLEHURST Hazlehurst (Jeff Davis), Ga.

As called for by the Superintendent of Banks

CHARLES ROGERS, President.
Date of Charter: 10-19-1906

MRS. MARY WALKER, Cashier.
Began Business: 10-1906

ASSETS
Cash, balances with othcr banks, and
cash itPms in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obli~ations of States and political subdivisions ....................
Securities of Fedt~ral agencies and corporations not guaranteed by U.S........................... .
Other :.ecurities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts .. , ...................... .
Bank premises, furniture and fixtures. and other assets representing bank premises ....................... .
Real t>statc owned other than bank premist>s .......................
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ...................
Total Assets ,. .... ,. . ,. ....... $

706,883.05 1,370,261.43
12,000.0(1
X one
~one
931,500.81
2.00 None N"one 100,538.14 3,121,185.43

LIABILITIES
Demand deposits . $
Time and savin~s deposits ....
Deposits of U. S. Government .. Dt>posits of States and political sub-
divisions ..............
Deposits of banks ........ Ccrlifit>d and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand4
ing .. Other liabili tics ........
Capital notes and debentures ....
Preferred stock .. Common stock . Surplus ...................
Undivided profits ...... Reserves ..........

2,084.453.08 277.453.05 19,105.72
287 244 10 '1\:"(;ne
42,366.07 None
None 32,529.33
None None 100,000.00 100,000.00 163,034.08 15,000.00

Total Liabilities ..... $ 3,121,185.43

FORTY-SIXTH ANNUAL REPORT

81

STATEMENT

Showing condition at the close of business December 31, 1965, of JEFF DAVIS BANK
Hazlehurst (Jeff Davis), Ga.
As called for by the Superintendent of Banks

J. 0. WOOTEN, President.
Date of Charter: 7-12-1962

H. C. McLEOD, Cashier.
Began Business: 12-1-1962

ASSETS
Cash, balances with othf'r banks, and cash items in nrocess of collection .. $
United States Government obliga tions, direct and guaranteed ..... .
Obli~ations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. sC'curities,corooratcstocksand
stock in FtdPral Rt>st'rve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixturcs,
and other assets representing bank premisPs ....................... . Rt'al estate owned other than bank premises ....................... . Custom{'rs' liability to this bank on acceptances outstanding ........ . Other assets ..................... .

593,464.46 1,154,751.21
14,202.17
None !\one 1,103,666.20
25,169.40 None
~one
1,240. 74

Total Assets .................. $ 2,892.494.18

LIABILITIES
Demand deposits .... , . , $ Time and savings deposits .. Deposits of U. S. Government ..... Deposits of States and political sub-
divisions ..................... Deposits of banks ............. Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
~ount of this bank and outstandIng .... Other liabilities . o. o. o o o Capital notes and debentures ....... . Preferred stock ................. . Common stock ... o. 0 Surplus .... Undivided profits .. Reserves o

I, 108,686.76 973.121.20 26'l.20J.84
185,004.87 2\'olle
42,487.28 :\'one
!\ione 45,971.49
None
1oo.uNooo.nnoe
100,000.00 34,864.42 33,154.32

Total Liabilities ..... $ 2,892,494.18

STATEMENT Showing condition at the close of business December 31, 1965, of
BANK OF HIAWASSEE Hiawassee (Towns), Ga. As called for by the Superintendent of Banks

H. D. PARIS, President.
Date of Charter: 6-14-1909

ELOIS D. ANDERSON, Cashier.
Began Business: 7-21-1909

ASSETS

Cash, balances with other banks. and

cash items in process of collection .. $ 481,585.25

United States Government obliga-

tions, direct and guaranteed ..... .

674,040.53

Obligaii?'!S of States and political

subdiVISIOnS ........ , . , , , , , . , , .

91.523.98

Securities of Federal agencies and

corporations not g u a rant e e d by

Otuh.esr. securities,corporatestocksand

124,687.50

stock in Federal Reserve Bank ....

"None

Loans and discounts, including over-

drafts ......................... . 1,374,513. 59

Bank premises, furniture and fixtures,

and other assets representing bank

premises . o

33,198.25

Real estate owned other than bank

premises .. o o

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other assets ..................

None

-----

Total Assets ... $ 2,779.549.10

LIABILITIES
Demand deposits .. $ Time and savings deposits o
Deposits of U. S. Government Deposits of States and political sub
divisions .................... Deposits of banks ... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ........... Other liabilities o Capital notes and debentures ....... . Preferred stock ................ Common stock o o Surplus ............ Undivided profits .. Reserves . o. o

1,268,004.13 1,023,039.89
2,733.75
185,895.74 None
6,186.56 None
None 24,540.00
None None 50,000.00 50.000.00 169.144.03 None

Total Liabilities $ 2,779,549.10

82

DEPARTMENT OF BA~KING

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE HINESVILLE BANK Hinesville (Liberty), Ga.

As called for by the Superintendent of Banks

D. F. MARTIN, JR., President.
Date of Charter: 9-4-1911

JAS. M. FLOYD, Cashier.
Began Business: 11-15-1911

ASSETS
Cash, balances with other banks, and cash itPms in proccss of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obli~ations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, coroorate stocks and stock in Federal Reservt' Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

580,735.08 i97 ,372.00 346,878. il
348, i18. 75 1\'onc
1,656, il0.58
ll ,235.15 A one None
8,924.30

Total Assets .................. $ 3,750,5i4.57

LIABILITIES

Demand deposits .................. $

Time and savings deposits ......... .

Deposits of U. S. Government ..... .

Deposits of States and political sub~

divisions ....................... .

Deposits of banks ........

Certified and officers' checks, etc....

Other liabilities for borrowed money.

Acceptances executed by or for ac-

~ount of this bank and outstand-

Jng . , , , , , .... , , , , , , .... , , , , ... ,

Othrr liabilities .................. .

Capital notes and debentures .. , .... .

Preferred stock ................ .

Comn1on stock ...............

Surplus ........................

Undivided profits ................ .

. . . . I~eserves

o o 0

1,544,695.66 962,Y89.i3 172,:!53.01
6%,lil i.HG :'\one
8,208.94
~one
;..;one :'\one .None None 150,000.00 150,000.00 93,409.3i 23,000.00

Total Liabilities .......... $ 3,750,574.57

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE CITIZENS BANK Hogansville (Troup), Ga.

As called for by the Superintendent of Banks

JOHN R. HINES, President.
Date of Charter: 11-30-1961

W. P. ARNOLD, Cashier.
Began Business: 12-11-1961

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 568,091.03

United States Government obliga-

tions, direct and guaranteed ... o

4D2,240.10

Obli~ations of States and political

subdivisions ............ o o

28,310.57

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Other securities, corporate stocks and

115,000.00

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts ......................... .

78.\760.48

Bank premises, furniture and fixtures,

and other assets representing bank

prerrllses ....................... .

32,169.83

Real estate owned other than bank

premises ................... o

None

Customers' liability to this bank on

acceptances outstanding ..... 0

None

- - - - - Otber assets . . . . . . . . . . . . . . . . . . . . . .

219.88

Total Assets .................. $ 1,931,991.89

LIABILITIES

Demand deposits ......... $

Time and savings deposits .....

Deposits of U. S. Government .....

Deposits of States and political sub-

divisions .................

Deposits of banks .......

Certified and officers' checks, etc...

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

.. o. o. o o

Other liabilities .........

Capital notes and debentures o

Preferred stock ..............

Common stock .. o

Surplus ........................

Undivided profits ................

Reserves ........ o

1,059,3:S8.44 2:;9,547 .s5 17,158.49
343,941.13 None
6,062.89 None
None 53,654.52
None None 120,000.00 42,000.00 30,288.57 None

Total Liabilities .......... $ 1,931,991.&9

FORTY-SIXTH ANNUAL REPORT

83

STATEMENT Showing condition at the close of business December 31, 1965, of
EMPIRE BANKING COMPANY Homerville (Clinch), Ga.
As called for by the Superintendent of Banks

W. K. PEAGLER, President.
Date of Charter: 3-1-1945

MARGARET T. LEE, Cashier.
Began Business: 6-1-1945

ASSETS
Cash, balancPs with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Oblil{a~i?~s of States and political
subdJVISIOTIS , , , , , , , , , , , , , ,
Securities of fpdcral agencies and coroorations not guaranteed by U.S........................... .
Other securities, corporate stocks and stock in Federal RPsnvc Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises. furniture and fixturPs, atyi othf'r assets rPprcsPnting bank premises ....................... .
Real estate owned other than bank premises ....................
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

766,572.55 875,118.69
23,855.20
None None 982,500.41
8.489.31 None
~one
:'\one

Total Assets .................. $ 2,656.-l36.1G

LIABILITIES
Demand deposits ............... $ Time and savings deposits o o o. o o o o o Deposits of U. S. Government o o Deposits of States and political sub~
divisions . o o. o. o. o o o o o o o. o. o. o o o Deposits of banks . o. o o o o o. o. o. o o o. Certified and officers' checks, etc.. o o Other liabilities for borrowed money o Acceptances executed by or for ac~
count of this bank and outstand~ ing ....... o o o. o o o o. o. o o Other liabilities . o o. Capital notes and debentures .. o o. o Preferred stock o o o o o o o Common stock o o o o o o. o o o o o o o Surplus ...... o. o. o. o. o o o Undivided profits ......... Reserves o. o o. o. o

1,102.119.29 865,125.89 27.537.28
432,721.62 None
6.288.93 None
None None None None 100.000.00 50,000.00 63.071.58 9,671.57

Total Liabilities ............... $ 2,656,536.16

STATEMENT

Showing condition at the close of business December 31, 1965, of

WILKINSON COUNTY BANK Irwinton (Wilkinson), Ga.

As called for by the Superintendent of Banks

H. E. STEPHENS, President.
Date of Charter: 7-16-1907

ROBT. C. McGINTY, Cashier.
Began Business: 7-16-1907

ASSETS
Cash, balances with other banks: and
cash items jn process of collectw.n .. $
United States Government obhga~ tions. direct and guaranteed..: ..
Obligations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
u.s.
O"ther securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including over~ drafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ................. ... .

330.659.57 574.266.90
70.093.89
418.853.13 None
699.205.98
25,969.68 :r\onc :!':one Nonr

Total Assets .................. $ 2.119,049.15

LIABILITIES
$ D<mand deposits o o o. Time and savings deposits o. o. Deposits of U. S. Government o o
Deposits of States and political sub~ divisions ......._.
Deposits of banks o o Certified and officers' checks, etc. Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstand~ in~ ............. Other liabilities ........ Capital notes and debentures ....... Preferred stock o. o. o o. o. o Common stock . o. o. o o Surplus ..... o. o o o Undivided profits o o Reserves . o. o o o. o. o. o o o.

805.662.00 814.684.38
13.687.01
289,976.66
~one
4.595.07 None
None 17.260.45
None
~one
50,000.00 100.000.00
23.183.58 l'\one

Total Liabilities ............ $ 2,119,049.15

84

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1965, of
MciNTOSH STATE BANK Jackson (Butts), Ga.
As called for by the Superintendent of Banks

WM. H. SHAPARD, President.
Date of Charter: 2-14-1964

HENRY L. ASBURY. Cashier.
Began Business: 9-18-1964

ASSETS

Cash, balanct>s with other banks, and

cash items in process of collection .. $ 260,868.66

United States Government obliga-

tions, direct and guaranteed ..... . Obli~a~i<;n~s of States and political

298,031.98

subdiVISIOllS , , , , , , , , , , , , , .

None

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Other securities, corporate stocks and

95,000.00

stock in FPderal Reserve Bank ...

None

Loans and discounts, including over-

drafts ......................... . 1,033,769.56

Bank premises, furniture and fixtures,

and other assets representing bank

premises ...................

94,881.33

Real estate owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets ...................... ____1.:.,44_3_._u8

Total Assets . . . . . . . . . . . . . . . . . . $ I, 783,Y%.21

LIABILITIES

Den1and deposits ............. $

Time and savings deposits .......

Deposits of U. S. Government ...._..

Deposits of States and political sub

divisions ................. o o.

Deposits of banks ................ .

Certified and officers' checks, etc...

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing ..............

Other liabilities . o

Capital notes and debentures. o o o. o

Preferred stock ...............

Common stock . o

Surplus

. o o o

Undivided profits ..... , , ....... ,

Reserves ....................

643,286.38 543,908.11
81,533.84
251,521.67 Nonf" 646.01 N.one
None 63,791.52
None l\'one 150,000.00 49,307.68 None None

Total Liabilities ......... , $ 1,783,995.21

STATEMENT

Showing condition at the close of business December 31, 1965, of

JASPER BANKING COMPANY Jasper (Pickens), Ga.

As called for by the Superintendent of Banks

MARK H. MOORE, President.
Date of Charter: 1-17-1945

JAY L. HARRISON, Cashier.
Began Business: 3-12-1945

ASSETS
Cash, balances with other banks, and
cash i tf'ms in process of collection. o $
United States Government obligations. direct and guaranteed ..... .
Obli~ations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other S('Curities, coroorate stocks and stock in F ('deral R('s('rve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises .. o
Real estate owned other than bank prt>miscs ......... o
Customers' liability to this bank on acceptances outstanding ..... o. o.
Other assets ..................... .

991,300.67 I ,281,823.29
17,569.29
499,800.00 None
1,583,685.77
46,651.48 None None
1,286.88

Total Assets .................. $ 4,422,117.38

LIABILITIES

Demand deposits .......... $

Time and savings deposits ........ .

Deposits of U. S. Government ..... .

Deposits of States and political sub-

divisions ......................

Dcposits of banks .. o o

Certified and officers' checks, etc...

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing ...............

Other liabilities . o o.

Capital notes and debentures ....... .

Preferred stock ............

Common stock ..........

Surplus

o o. o. o. o

Undivided profits .. o

Reserves ......................

1,847,554.16 1,799,138.49
48,284.10
318,006.12 9,110.00 None None
).~ (IJ11'
10,830.60 None :r\one
100,000.00 100,000.00 164,193.91 25,000.00

Total Liabilities ............... $ 4,422,117.38

FORTY-SIXTH ANNUAL REPORT

85

STATEMENT Showing condition at the close of business December 31, 1965, of
WAYNE STATE BANK Jesup (Wayne}, Ga.
As called for by the Superintendent of Banks

R. W. WOODRUFF, President.
Date of Charter: 8-5-1953

BERT HIRES, C&ahier.
Began Business: 1-2-19fi4

ASSETS
Cash, balances with other banks, and cash items in oroccss of collection .. $
United States Government obligations. direct and guaranteed ..... .
Oblil:{a~ic;n~s of States and political
subdtVISIOOS . ,
Securities of Federal agencies and corporations not guaranteed by
u.s. '
Other securities, coroorate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and otht>r assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

848,548.00 455,000.00
78,000.00
245,000.00 None
2,451,232.41
49,383.50 None None
9,626.54

Total Assets .................. $ 4, 136,790.45

LIABILITIES
Demand deposits ... $ Time and savings deposits .
Deposits of U. S. Government ..... .
DJi~t:i~n~f. ~~~:~s. -~~~. :~~i.t~~~~..s~~:
Deposits of banks ........... Certified and officers' checks, etc....
Other liabilities for borrowed money. Acceptances executed by or for ac-
~ount of this bank and outstandIng . Other liabilities .
Capital notes and debentures ....... .
Preferred stock ..............
Common stock .... Surplus .... Undivided profits .. Reserves ..........

1,529,869.57 1,439,182.83
39,999.34
457,612.64 1,173.61
76,974.83 None
None 131.91 None None 400,000.00 170,000.00 21,845.66 None

Total Liabilities .... $ 4,136,790.45

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF JONESBORO Jonesboro (Clayton}, Ga.

As called for by the Superintendent of Banks

C. S. CONKLIN, President.
Date of Charter: 10-6-1903

JAMES W. WATTERSON, Cashier.
Began Business: 11-7-1903

ASSETS

Cash, balances with other banks, and

cash items in process of coilcction .. $ 695,113.41

United States Government obliga-

tions, direct and guaranteed ..... . 1,890, 733.39

Obliga~i'?I)S of States and political

subdiVISIOnS , , , , , , , , , , , . , , , , , .. ,

713,340.52

Sccuri ties of Federal agencies and

cuo.rsp.o.r.a.t i.o.n.s. .n.o.t. .g.u. .a.r.a.n. .t.e.e.d. . .b y.

::'Jonc

Other securities, corporate stocks and

c;tock in Federal Reserve Bank ....

:Kone

Loans and discounts, including over-

drafts ......................... . 3.684,524.14

Bank premises, furniture and fixtures,

and other assets representing bank

premises .

136,897.87

Real estate owned other than bank

premises ........

None

Customers' liability to this bank on

acceptances outstanding . . . . .

None

Other assets . . . . . . . . . . . . .. . . .

4,i43.04

-----

Total Assets ....... $ 7,125,352.37

LIABILITIES
Demand deposits $ Time and savings deposits Deposits of U. S. Government .. Dc~o~i~s of States and political sub-
dtvistons ...................... Deposits of banks ............. Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand ing ............ Other liabilities Capital notes and debentures ....... . Preferred stock ................ . Common stock ... Surplus ........... Undivided profits .. Reserves ..

2,645,453. 79 I ,559,308.67
246,303.99
2,037,293.85 None
6,823.63 None
None 127,767.89
N.me None 250,000.00 200,000.00 52,400.55 None

Total Liabilities . $ 7,125,352.37

86

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1965, of
STATE BANK OF KINGSLAND Kingsland (Camden), Ga.
As called for by the Superintendent of Banks

EDMUND GROSS, President.
Date of Charter: 11-26-1912

C. C. SMITH, Cashier.
Began Business: 12-1912

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 486,864.13

United States Government obliga-

tions, direct and guaranteed ..... . Obli~ations of States and political

852,868.00

subdivisions .................... .

None

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Otht>r


securities,


corporate


stocks

a n d

Nonr-

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts ......................... 1,386,167.91

Bank premises, furniture and fixtures,

and other assets reprhenting bank

premises .......................

30,743.46

Real estate owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other assets ..................... .

None

-----

Total Assets . . . . . . . . . . . . . . . . . . $ 2, 756,643.50

LIABILITIES
Demand deposits ................ $ Time and savings deposits ........ . Deposits of U. S. Government ; .... Deposits of States and political sub-
divisions .................. Deposits of banks .......... Certified and officers' checks. etc.... Other liabilities for borrowed- money. Acceptances executed by or for ac-
count of this bank and outstanding ........................ Other liabilities ................. Capital notes and debentures ....... . Preferred stock ................ . Common stock .............. Surplus ......................... Undivided profits ............... Reserves ........................

741,248.00 I ,208, 707.62
7,936.38
499,826.12 None
15,243.94 None
None None None None 50,000.00 IOO,UUO.OO 50,000.00
83.6~1.'14

Total Liabilities ........ $ 2, 756,643.50

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE BANK OF LAFAYETTE, GEORGIA LaFayette (Walker), Ga.

As called for by the Superintendent of Banks

B. D. GILBERT, President.
Date of Charter: 11-13-1889

W. L. BAKER, Cashier.
Began Business: 1899

ASSETS
Cash) balances with other banks, and cash items in process of collection.$
United States Government obligations, direct and guaranteed ..... .
Obliga~ic;n~s of States and political subdiVISIOns . . . . . . . , ... , ... ... .
Securities of Federal agencies and coroorations not guaranteed by
u.s.
Other securities) coroorate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ....................... .
Real t>state owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

1,288,185.57 1,983,319.64
997,110.95
None None 3,635,922.57
165,748.32 None None None

Total Assets .................. $ 8,070,287.05

LIABILITIES
Demand deposits ................. $ Time and sa\'ings deposits ........ . Deposits of U.S. Government ..... Deposits of States and political sub~
divisions ................... Deposits of banks ......... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin~ ........................ Other liabilities ...... Capital notes and debentures ....... . Preferred stock .............. Common stock .......... Surplus ....................... Undivided profits ........... RPserves ...................

3, 777,749.56 2,490,399.80
119,220.74
655,935.77 None
67,069.34 None
None 120,490.68
None None 200,000.00 400,000.00 239,421.16 None

Total Liabilities ............ $ 8,070,287.05

FORTY-SIXTH ANNUAL REPORT

87

STATEMENT Showing condition at the close of business December 31, 1965, of
THE CITIZENS AND SOUTHERN BANK OF LAGRANGE LaGrange (Troup), Ga.
As called for by the Superintendent of Banks

R. WOODROW SMITH, President.
Date of Charter: 7-23-1937

V. HAWLEY SMITH, Cashier.
Began Business: 8-2-1937

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $

United States Government obliga-

tions. dircct and guaranteed ..... .

Obli~ations of States and political

subdivisions .................... .

Securities of Federal agencies and

cco.rsp.o.r.at.i.o.n.s.

.n.o.t.

.

.g.u.a.r.a.n. .t e. .e.d.

.

by
..

Other ~ecurities. corporate stocks and

stock in Federal Reserve Bank ....

Loans and discounts, including over-

drafts ......................... .

Bank premises. furniture and fixtures,

and other assets repnsenting bank

premises ....................... .

Real Pstatc owned other than bank

premises ....................... .

Customers' liability to this bank on

acceptances outstanding ........ .

Other assets ....................

2,004,544.78 6.156,000.86 3.197,023.64
Konc 3.150.00 10,739,132.52
120,121.25 25, 735.CO
None 161,101.81

Total Assets .................. $ 22,406,809.86

LIABILITIES
Demand deposits ...... $ Time and savings deposits ..... Deposits of U. S. Government .... Deposits of States and political sub-
divisions ....... , , ... , , Deposits of banks ......... Certified and officers' checks, etc... , Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin~ .............. o Other liabilities ... o Capital notes and debentures ....... . Preferred stock .......... , .. Common stock ... o o. 0 Surplus ...... o. o o o Undivided profits ............. Reserve<; .. o o o o o. o. o

8.554.392.69 8.165, 733.55
288.220.12
2,214,507.59 30,000.00 22 .8:l6.14 None
None 1,456.7114.81
None None 500,000.00 500,000.00 48.203.96 626,211.00

Total Liabilities ............... $ 22,406,809.86

STATEMENT

Showing condition at the close of business December 31, 1965, of

LAGRANGE BANKING COMPANY LaGrange (Troup), Ga.

As called for by the Superintendent of Banks

A. E. MALLORY, JR. President.
Date of Charter: 7-8-1941

PAULL. GRAY, Cashier.
Began Business: 9-15-1941

ASSETS
Cash, balancPs with other banks. and cash items in process of collection .. $
United States Government obligations, direct and guaranteed..... .
Oblie;ations of States and political subdivisions ....................
Securities of Ft>deral agencies and corporations not guaranteed by U.S........................... .
Other stcurities, coroorate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including over~ drafts ....................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ...... o
Real estate owned other than bank premises ........................
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

974,205.73 808.363.54 600,936.36
X one
3,480,665.09
136.246.69 None None None

Total Assets ..................$ 6.000,417.41

LIABILITIES
Demand deposits $ ... o o o. Time and savings deposits .. o. o Deposits of U. S. Government o Dcpo"iits of States and political sub-
divisions ... o. o o. o Deposits of banks .. o o Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
Ill~ , , , , , , , , , , o, o , , , , . ,
Other liabilities ...... o o. o o Capital notes and debentures. o
Preferred stock ........ Common stock o o o. o o Surplus ...... o o. o o o U ndividcd profits . o o 0 o o o o Reserves o o o o o. o

2.80.1,468.85 1,481.521.18
121,436.39
698.217.41 10,000.00 None l'\onc
J\~ o n e 231,494.90
None None 100,000.00 200,000.00 246,282.30 105,996.38

Total Liabilities ............. $ 6,000,417.41

88

DEPARTMEJ\"T OF BAJ\"KI!';G

STATEMENT Showing condition at the close of business December 31, 1965, of
FARMERS AND MERCHANTS BANK Lakeland (Lanier), Ga.
As called for by the Superintendent of Banks

W. A. ROQUEMORE,

A. T. FLOWERS,

President.

Cashier.

Date of Charter: 4-18-1907

Began Business: 1907

= = = = ' - - ' ============~==~=

ASSETS

Cash, balancPs with other hanksl and cash itPms in process of collectiOn .. $
United States Government obliga-

Obltiio~an!si<?d~sirecotf

and guaranteed ..... . Stat'es and political

subdJVJSlOilS ......... ,

Securities of Federal agencies and
cuo.rsp.o.r.a.t i.o.n.s. .n.o. t. . .g.u.a.r.a.n. .t e. .e.d. . .b y.

Otht-r securities, corporate stocks and

stock in Federal Reserve Bank .... Loans and discounts, including over-

drafts ................. . . . Bank premises, furniture and. fixtures,
and other assets nprescntmg bank

premises ................... o o Real estate owned other than bank
premises .......... o. o Customers' liability to this bank on

258,963.33 944,677.94
4.040.66
150,000.00 ::\'one
714,961.81
22.901.79 None

LIABILITIES

Demand dcposi ts . o o $

Time and savings deposits .. o

Deposits of G. S. Government 0 o o Dq~o~i.ts of States and political suh-

dtvtstons ....................

Deposits of banks . o o
Certified and officers' checks, etc .. o.

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

... o o

Other liabilities ..... o

Capital notes and debentures ....... .

Preferred stock o o o o. o

Common stock o o o. o. o

Surnlus ...................... o.

Cndividctl profits o 0 o Rr~cr\'C:) . . . . . . . . . . . o o o

1.025.379.30 574.229.82 13,087.84
191,000.08 11.335.46 16.847.28 1\'one
I\ one 74,733.22
:I\' o n e
!\~one
25,000.00 100,000.00 44,706.30 25,000.00

acceptances outstanding ....... o. Other assets ......... o o

None 5,773. 77

Total Assets ......... $ 2,101,319.30

Total Liabilities ............. $ 2,101,319.30

STATEMENT

Showing condition at the close of business December 31, 1965, of

NORTHEAST GEORGIA BANK Lavonia (Franklin), Ga.

As called for by the Superintendent of Banks

W. N. HARRISON, President.
Date of Charter: 9-20-1940

W. N. HARRISON Cashier.
Began Business: 9-23-1940

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United StatPs Government obliga-
o~if~n:tio~i:ec~f as~at~~lar:~Jee~~iitic~i
subdivisions ............ . o. o. o. Securities of Federal agencies and
corporations not guaranteed by U.S.................... ... . Other securities, corporate stocks and stock in Federal Reserve Bank.... Loans and discounts, including overdrafts ..................... .... Bank premises, furniture and fixtures, and other assets representing bank
premises ............. o. o........
Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .

691,806.79
1, 710.335.39 None
None No11e 936,421.()2
19,)36.fJ4 None None None

Total Assets .................. $ 3,358,099.24

LIABILITIES

Demand deposits .. $

Time and sa\ings deposits o

Deposits of Uo S. Government .....

Deposits of States and political sub-

divisions ........ o o o

Deposits of banks .... o. o o o

Certified and officers' checks, etc.

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

o o o

Other liabilities ... o o

Capital notes and debentures .. 0 o

Preferred stock ..

Common stock

Surolus ........... o o o o

Undivided profits ..

Reserves .. o o o.

1,943,604.34 802,567.37 ll6,087.64
203,900.38 None
6,258.27 None
None 4,910.98
None None 100,000.00 150,000.00 30,770.26 None

Total Liabilities ...... $ 3,358,099.24

FORTY-SIXTH ANNUAL REPORT

89

STATEMENT

Showing condition at the close of business December 31, 1965, of THE BRAND BANKING COMPANY Lawrenceville (Gwinnett), Ga.
As called for by the Superintendent of Banks

MRS. LOUISE B. MORGAN, President.
Date of Charter: 6-2-1905

HARRISON W. BRASELTON, Cashier.
Began Business: 7-17-1905

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ I, 183,786.20

United States Government obliga-

tions, direct and guaranteed ..... . 1,760,053.16

Obli~ations of States and political

subdivisions .................... . 1,080,455.88

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Other securitit's, corporate stocks and

I'\ one

stock in Federal Rt"servc Bank ....

12,000.00

Loans and discounts, including over-

drafts ......................... 3,754,219.03

Bank premises, furni turc and fixtures,

and other assets representing bank

premises .......................

165,889.35

Real estate owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other assets ..................... . - - - -No-ne

Total Assets .................. $ 7,956,403.62

LIABILITIES
Demand deposits .. $ Time and savings deposits .. Deposits of U. S. Government .. 0. 0. Deposits of States and political sub-
divisions o. o..... o. o. 0. 0. o.. o..
Deposits of banks .............. Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
ing o oo oo o Other liabilities o o. o. o o. o. Capital notes and debentures ....... .
Preferred stock ....... o... o. o... . Common stock o. o. o o Surplus .... Undivided profits Rrserve5 ... o o. o. oo. o. o. o o o

2,559,060.85 3,285,761.21
272,707.30
1,054,434.08 5,000.00 51,742.50 None
None 14,248.48
None None 200,000.00 200.000.00 313,449.20 None

Total Liabilities ....... $ 7,956,403.62

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE STATE BANK OF LEESBURG Leesburg (Lee), Ga.

As called for by the Superintendent of Banks

T. R. CANNON, President.
Date of Charter: 4-9-1947

T. R. CANNON, Cashier.
Began Business: 12-1-1947

ASSETS
Cash, balances with other banks~ and cash items in process of collection .. $
United States Government obligations, direct and guaranteed... o..
Obligations of States and political sUbdivisions .. o o oo o. o.. o. o.... o.
Securities of Federal agencies and
cuo.rsp.o.r.a.t i.o.n.s. .n.o.t. .g. u. .a.r.a.n. .t.e.e.d. . .b y.
Other securities, corporate stocks and stock in Federal Reserve Bank ..
Loans and discounts, including overdrafts .........................
Bank premises, furniture and fixtures, and other assets representing bank premises . o o o o. o o o o
Real estate owned other than bank
Cup.sroto:.rmJliScJi;ss' liability~to"'-thisbankon
acceptances outstanding o.... oo. Other assets ... oo o. oo. o... o.. o.
Total Assets .... $

285,222.06 403,177.55
None
25,054.70 None
783,446.20
9,825.23 None None None
1,506,725.74

LIABILITIES
Demand deposits $ Time and savings deposits o o. o o Deposits of U. S. Government o. o o
Ddi~isH~n~f. ~~~~eso .a.~~. :~~i::c.~l. ~~~:
Deposits of banks ........... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding . . . o oo. o. o. o o ooo Other liabilities . Capital notes and debentures ....... . Preferred stock . o... o.......... o Common stock o. o. o o.. o Surplus ....... Undivided profits .. Reserves o o o o o o o. o. o o o o

518,573.92 340,475.06
6,000.00
455,663.86 None None None
None 4,261.76
None None 50,000.0U 50.000.00 81,751.14 None

Total Liabilities ... $ 1,506,725.74

90

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF LENOX Lenox (Cook), Ga.

As called for by the Superintendent of Banks

R. H. RQBINSON, President.
Date of Charter: 6-20-1907

R. H. ROBINSON, JR., Cashier.
Began Business: 6-25-1907

ASSETS
Cash, balances with other banks, and cash i terns in process of collection .. $
United States Government obliga~ tions, direct and guaranteed ..... .
Obli~ations of States and political subdivisions .................... .
Securities of Federal agencies and coroorations not guaranteed by
Otuh.esr. securities,corporatestocksand
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ........... .... Bank premises, furniture and fixtures,
and other assets representing bank premises ..................... Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets .. o o o
Total Assets .................. $

655,094.94 950,377.25 271,996.37
None None 897,712.49
58,567.41 None None None
2,833, 748.46

LIABILITIES
Demand deposits ............... $ Time and savings deposits o Deposits of U.S. Government ..... . Deposits of States and political sub-
divisions . o o Deposits of banks .......... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin; . . . . . . . o o Other liabilities .. o. o o. Capital notes and debentures ....... . Preferred stock ............. o Comn1on stock ................. . Surplus ............. , . o Undivided profits ................ . Reser\es ...... o o

1,090,441.95 1,030,677.60
56,065.23
140,375.81 84,780.32
3,022.43 None
None 19,166.05
None None 100,000.00 200,000.00 74,685.97 34,533.10

Total Liabilities ............... $ 2,833, 748.46

STATEMENT

Showing condition at the close of business December 31, 1965, of

FARMERS & MERCHANTS BANK Leslie (Sumter), Ga.

As called for by the Superintendent of Banks

W. T. ANDERSON, JR., President.
Date of Charter: 12-19-1940

ROBT. P. HINES, Cashier.
Began Business: 1-2-1941

ASSETS

Cash, balances with other banks, and

cash i terns in process of collection o $

United States Government obliga-

Obltiiognasfi?d~sire

ct of

and guaranteed ..... . States and political

subdiVISIOnS . , .............. , . , . ,

Securities of Federal agencies and

corporations not guaranteed by

U.S........................... .

Other securities, corporate stocks and

!'.tock in Federal Reserve Bank ....

Loans and discounts, including over-

drafts ......................... .

Bank premises, furniture and fixtures,

and other assets representing bank

premises ........... o. o

Real estate owned other than bank

premises .................. o. o. o.

Customers' liability to this bank on

acceptances outstanding ..... o. o

Other assets ........ o o o

Total Assets .................. $

.259,715.47 349,830.00
4,000.00
245,000.00 None
422,907.94
19,213.40 None None-
1,787.78 1,302,454.59

LIABILITIES
Demand deposits .................. $ Time and savings deposits ........ . Deposits of U. S. Government o Deposits of States and political sub-
divisions ................ Deposits of banks ........... Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin~ .......................... Other liabilities .................. . Capital notes and debentures ..... o Preferred stock ............... Common stock .......... Surplus ....... o o o Undivided profits ................ . Reserves ...... o -

633,011.43 438,083.61
8,268.22
87,547.42 5,000.00 None None
None 9,023. 76
None '!\one 50,000.00 50,000.00 21,520.15 None

Total Liabilities ............ $ 1,302,454.59

FORTY-SIXTH ANNUAL REPORT

91

STATEMENT Showing condition at the close of business December 31, 1965, of
CITIZENS BANKING COMPANY Lexington (Oglethorpe), Ga.
As called for by the Superintendent of Banks

W. E. EVANS, President.
Date of Charter: 2-7-1949

W. E. EVANS,
Cuhier.
Began Business: 3-10-1949

ASSETS
Cash, balances with other banks: and cash it>ms in process of collectiO_n .. $
United States Government obligations, direct and guaranteed..;.
Obli~ations of States and political
Se~~~ffi~i;io~f iicd;,~j. -~~~~~i~;. -~~d
corporations not guaranteed by
U.S............ Other securities, corporate stocks and
stock in Federal Reserve Bank.... Loans and discounts, including over-
drafts ............. Bank premises, furni tun and fixtures,
and other assets representing bank premises ................... Real estate owned other than bank premises ................... Customc:-rs' liability to this bank on acceptances outstanding . . . . . . . . . Other assets ................... .
Total Assets .................. $

223,112.08 292,621.12 89709 10
209,937.50 None
720,<85.11
11 ,731.44 None None 943.66
I ,548,490.01

LIABILITIES
Demand deposits .. $ Time and savings deposits ... Deposits of U. S. Government . Deposits of States and political sub-
divisions ...... Deposits of banks .... Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
Jn,!{
Otht>r liabilities . Capital notes and debentures ....... .
Preferrt>d stock ....... Common stock ... Surplus ................. Undivided profits ....... Reserves ... o. o o o o o o o o o.

551,979.63 685,019.07
3,890.54
186,499.05 None 975.90 None
None
~one
Nono None 50,000.00 50,000.00 20,125.82 None

Total Liabilities ............... $ 1,548,490.01

STATEMENT

Showing condition at the close of business December 31, 1965, of
FARMERS STATE BANK Lincolnton (Lincoln), Ga.

As called for by the Superintendent of Banks

W. B. ALBEA, President.
Date of Charter: 9-26-1911

GEO. C. LEVERETT, JR., Cashier.
Began Business: 12-2-1911

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obliga-
tions. direct and guaranteed ..... Obligations of States and political
subdivisions ... . Securities of FPderal agencies and
corporations not guaranteed by
u.s. . . . . . . . . . . . . . . . . . . . . . . . . . . .
Other securities, corporate stocks and stock in Federal Reserve Bank....
Loans and discounts, including overdrafts ...............
Bank premises, furniture and fixtnres, and ?ther assets rPprescnting bank
Rda}e~~~~~e. ~~~~d. ~th~;. -ilii~ b~~k
premises . . . . . . . . . . . . . . . . . . . . . . . . Customers' liability to this bank on
accf'ptances outstanding . . . . . . . . . Other assets . . . . . . . . . . . . . . . . . . . . .

490,169.04 1,091,950.75
285,835.07
99.918.7:i ::'\one
I ,338,890.06
5 351 .45 None :!'\'"one l\ one

Total Assets .................. $ 3,312,115.12

LIABILITIES
Demand deposits ............ $ Time and savings deposits . o. o Deposits of U. S. Government ... o Depoo;its of Stales and political sub-
divisions .................... Dcposi ts of banks ..... o o o Certified and officers' checks, etc... Other liabiliti('s for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding- ........................ o Other 1iabilitics ..... o Capital notes and debentures ....... . Preferred stock o. o o. o. o o o. o
Common stock o o. o. o o o o o o. Surplus ...... o. o o LndividPd profits .. o o o Reserves o o. o. o o. o o

1.272,341.04 1,423,258.31
12,370.90
262,11:0.79 None 960.00 None
I'\ one !\"one None None 100,000.00 100,000.00 141,084.118 None

$ Total Liabilities o 3,312,115.12

92

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE PEOPLES BANK Lithonia (DeKalb), Ga.

As called for by the Superintendent of Banks

G. OGDEN PERSONS, II, President.
Date of Charter: 8-26-1910

W. L. WILLIAMSON, Cashier.
Began Business: 1910

ASSETS
Cash balances with other banks, and cas'h items in process of collectio_n .. $
United States Government obligations direct and guaranteed ..... .
Obli~ations of States and political subdivisions ....................
Securities of Federal agencies and coroorations not guaranteed by
Otuh.esr. securities,corporatestocksand
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ......... . Bank premises, furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank premises ....................... . Customers' liability to this bank on ..acceptances outstanding ........ . Other assets ..................... .

356,187.05 1,281,212.16
26,347.57
184,892.19 None
1,205,386.80
88,085.68 None None
3,179.04

Total Assets .................. $ 3,145,290.49

LIABILITIES
Demand deposits .................. $ Time and savings deposits ...... Deposits of U.S. Government .... o o Deposits of States and political sub-
divisions . o o. o o o o o Deposits of banks ................ . Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding .............. Other liabilities . o. o o. o o o Capital notes and debentures .. o Preferred stock .... o. o o o o. o o Common stock .... o o. o o Surplus ....... o o o Undivided profits o. o. o o ... o. o Reserve:; ...... o o o o o o o o

1,679, 738.01 723,124.83 137,059.97
262,138.50 None 139.28 None
None 67,511.56
None None 130,000.00 100,000.00 25,578.34 20,000.00

Total Liabilities ...... $ 3,145,290.49

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE FARMERS BANK Locust Grove (Henry), Ga.

As called for by the Superintendent of Banks

M. M. BROWN, President.
Date of Charter: 1-3-1910

JULIAN A. BROWN, Cashier.
Began Business: 1-1910

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Ff'deral Reserve Bank ....
Loans and discounts, jr....-.lIding overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ............. o
Real e~tate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Othtr assets ..................... .
Total Assets .................. $

142,483.02 105,000.00
None
134,852.50 None
334,688.11
5,756.72 X one None 1\'"one
722,780.35

LIABILITIES
Demand deposits . . . . . $ o o o o o
Time and savings deposits ...... o. Deposits of U. S. Government .. o
Deposits of States and political subdivisions ........ o. o. o o. o. o
Deposits of banks ........... o o o o C-rtified and officers' checks, etc.. Other liabilities for borrowed money o Acceptances executed by or for ac-
~ount of this bank and outstandIng ..... o. o. o o o o o o. o o Other liabilities ............... o o Capital notes and debentures ....... . PrPfPrred stock ....... o o o Common stock . o. o o o. o o Surplus .............. o Undivided profits ...... o Reser\es ............ o o. o

398,897.41 117,269.49
2,119.36
100,637.87 !'ione
4,251.68 !\one
None 14,304.96
X one None 30.00.0.00 3<l,Oilll.OIJ 25,299.58 :\une

Total Liabilities ........... $ 722, i80.35

FORTY-SIXTH ANNUAL REPORT

93

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF LOGANVILLE Loganville (Walton}, Ga.

As called for by the Superintendent of Banks

C. A. KELLEY, JR., President.
Date of Charter: 5-6-1946

J. G. WEBB, Cashier. Began Business: 10-5-1946

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obli~a~i?~s of States and political
subdtVISIOllS , , , , , ,
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ....................
Real estate owned other than bank premises ....................
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

151,234.07 317,425.14
1,500.00
49,662.50 None
585,603.31
17,407.32 None None 685.46
1,123,517.80

LIABILITIES
Demand deposits . $ Time and savings deposits Deposits of U. S. Government .....
DJi~i~f~n~f. ~~~~es .a.~~. ~~~i~~cal ~~~:
Deposits of banks ... Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding Other liabilities Capital notes and debentures ....... . Preferred stock .............. Common stock .. Surplus . Undivided profits Reserves .....

407,345.39 503,254.65
29,001.22
88,405.59 None 537.14 None
None None None None 25,000.00 50,000.00 19,973.81 None

Total Liabilities . $ 1,123,517.80

STATEMENT

Showing condition at the close of business December 31, 1965, of BANK OF LUMBER CITY Lumber City (Telfair}, Ga.
As called for by the Superintendent of Banks

W. C. WILLIAMS, President.
Date of Charter: 5-22-1945

W. C. WILLIAMS, Cashier.
Be_g_an Business: 7-2-1945

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed .....
Obliga~i?'!S of States and political subdiVISIODS , , . , , , , , , , , ..... , , ...
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,corporatestocksand
stock in Federal Reserve Bank... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixtures,
and other assets representing bank premises Real estate owned other than bank premises .... Customers' liability to this bank on acceptancis outstanding .... Other assets ........
Total Assets .. $

133,035.24 289,804.51
None
None None 434,721.01
628. iO None None 754.01 858,943.47

LIABILITIES
Demand deposits $ Time and savings deposits Deposits of U. S. Government
Ddi~i~f~n~f. ~~~~es .a.~~. ~~~i:ical ~~~:
Deposits of banks ....... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ......... Other liabilities Capital notes and debentures ..... Preferred stock ........... Common stock Surplus ..... Undivided profits Reserves ..

445 269 16 188)12:90
3,311.84
94,960.77 None
2,058.14 X one
None 6,099.96
None None 25,000.00 60,000.00 33,530.75 None

Total Liabilities $ 858,943.47

94

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1965, of
FARMERS STATE BANK Lumpkin (Stewart), Ga.
As called for by the Superintendent of Banks

WM. P. CARTER, President.
Date of Charter: 10-21-1911

BESSIE D. FORT, Cashier.
Began Business: 12-1911

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obli~ations of States and political subdivisions ....................
Securities of Federal agencies and corporations not guaranteed by U.S........................... .
Other securities, corooratc stocks and stock in FPderal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premist:"s ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

397,038.33 762,419.83
66,316.6j
None None 744,878.97
12,251.88 None None None
1,982,905.66

LIABILITIES

Demand deposits oo oo oo 00 oo oo 00 00 .. $
Time and savings deposits 0. o. o. o

Deposits of U. S. Government o. o

Deposits of States and political sub-

divisions .... o. o o. o o. o. o o

Deposits of banks oo,,,, , , , 00.

Certified and officers' checks, etc..

Other liabilities for borrowed money.

Acceptances executed by or for ac~

count of this bank and outstand~

ing . . 0. 0. o o. o o. o o

o

Otht>r liabilities .... o. o o o o 0 o

Capital notes and debentures ... o o o o

Preferred stock o o o o o o o

Comn1on stock o o o o o

Surplus ... o o o o o o. o

Undivided profits oo 00 00 ..... oo oo oo

Resc:-rves o o o. o o o o.

1,016,184.95 511,873.13 25,509.01
188,320.80 None
5,949.51 None
None 41,921.80
None None 100,000.00 50,000.00 43,146.46 None

Total Liabilities 00 oo .. 00 oo oooo$ 1,982,905.66

STATEMENT

Showing condition at the close of business December 31, 1965, of LUTHERSVILLE BANKING COMPANY Luthersville (Meriwether), Ga.
As called for by the Superintendent of Banks

JIMMY D. NeSMITH, President.
Date of Charter: 10-11-1905

ELIZABETH W. REID, Cashier.
Began Business: 8-3-1906

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ United States Government obliga~

310,928.37

tions, direct and guaranteed ...: .. Obligations of States and polillcal

473,901.77

subdivisions ........ o o o o Securities of Federal agencies and

19,559.83

corporations not guaranteed by

Otuh.esr. securities,corporatestocksand

75,000.00

stock in Federal Reserve Bank ....

1.00

Loans and discounts, including over-

drafts ......................... .

560,967.46

Bank prcmis('s, furniture and fixtures,

and other assets representing bank

premises .... o o o o. o

9,313.43

Real estate owned other than bank

premises ..... o o. o o o o

I, 708.69

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . . - - -4 ,6-48.-47

.Total Assets .................. $ 1,456,029.02

LIABILITIES
Demand deposits .... oo $ Time and savings deposits o. o o. o Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ... o o Deposits of banks ........ o Certified and officers' checks, etc. o Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ............ 0. 0 0 0 o Other liabilities ..... Capital notes and debentures .. o o o Preferred stock . 00 00 .. oo oo 00 ... Common stock o. o o o Surplus ................... Undivided profits .......... Reserves ........ o o

522,967.91 465,289.52
17,465.69
293,495.67 35,000.00 !6,166.66
None
None 1,291.71
None None 50,000.00 40,000.00 8,227.54 6,124.32

.$ Total Liabilities oo 00 00 . . . . 00 00 I ,456,029.02

FORTY-SIXTH ANNUAL REPORT

95

STATEMENT Showing condition at the close of business December 31, 1965, of
THE PEOPLES BANK OF LYONS, GEORGIA Lyons (Toombs), Ga.
As called for by the Superintendent of Banks

W. HOLLOWAY, President.
Date of Charter: 5-4-1935

J. A. JOHNSON, Cashier.
Began Business: 6-1-1935

ASSETS
Cash, balances with other banks, and cash it('ms in process of collection.$
United States Government obligations, direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ........................ .
Real estate owned other than bank prt>mises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

631 '714.76 918,503.60 143,497.32
999,937.50 None
1,552,112.38
28,399.47 None None None
4,274,165.03

LIABILITIES

Demand deposits ................. $

Time and savings deposits ........ .

Deposits of U. S. Government ..... .

Deposits of States and political sub-

divisions ....... o

Deposits of banks ................ .

Certified and officers' checks, etc... .

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing-

.. o

Other liabilities .................. .

Capital notes and debenture's .... o

Preferred stock o o o

Common stock ............... o

Surplus ....................... o

Undivided profits ......

Reserves .......... o

2,184,490.16 1,049.422.20
27,732.66
458,202.75 88,104.84 26,207.52 None
None None None None 200,000.00 100,000.00 140,004.90 None

Total Liabilities ............... $ 4,274,165.03

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE MERCHANTS AND CITIZENS BANK McRae (Telfair), Ga.

As called for by the Superintendent of Banks

R. E. MANN, President.
Date of Charter: 3-28-1929

R. M. PARSONS, Cashier.
Began Business: 3-28-1929

ASSETS

Cash, balances with other banks, and

cash items in process of collection.$ United States Government obliga-

623,033.65

tions. direct and guaranteed ..... . Obli~a~i~n~s of St'ltes <in$1 political

I ,293, 438.22

subdtVIS)OllS ..... , , , , , , , o ,

520,627.76

Securities of Federal agencies and

corporations not guaranteed by

U.S........................... .

None

Other securities, corporate stocks and

stock in Federal Reserve Bank....

None

Loans and discounts, including over-

drafts ......................... . I ,247, 134.74

Bank premises, furniture and fixtures,

and other assets representing bank

premises ..............,..... o

40,001.00

Real estate owned other than bank

premises ....... o o o o o

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . .

1,601.75

-----

Total Assets .................. $ 3,725.837.12

LIABILITIES
Demand deposits .................. $ Time and savings deposits .... o Deposits of U. S. Government ..... Deposits of States and political sub-
divisions ... o Deposits of banks ............ Certified and offi:::ers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ............... o o o Other liabilities .................. . Capital notes and debentures .... o Preferred stock ..... Common stock .. Surplus .... o o Undivided profits ............. Reserves .................

2,598,009.01 232,862.01 42,113.98
448,059.23 14,378.72 490.05 None
None 64,704.87
None None 100,000.00 100,000.00 35,000.00 90,219.25

Total Liabilities ............... $ 3,725,837.12

96

DEPARTMENT OF BANKIKG

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE SOUTH COBB BANK Mableton (Cobb), Ga.

As called for by the Superintendent of Banks

J. G. LUNDY, President.
Date of Charter: 6-21-1963

PHILLIP E. JOHNSON,
Cashier. Began Business: 3-2-1964

ASSETS

Cash, balancPs with other banks, and

cash items in process of collection.$ 772,937.01

United States Government obliga-

tions. direct and guaranteed ..... . Obli~ations of States and political

204,356.2:>

subdivisions .................... .

~one

Securities of Federal agenci('s and

cuo.rsp.o.ra.t.i.o.n.s..n.o.t...g.u.a.r.a.n..te..e.d.. b..y

450,000.00

Other securities, corporate stocks and

stock in Federal Reserve Bank ....

l\'one

Loans and discounts, including over-

drafts ......................... I ,940,926.98

Bank premises, furnitttrC' and fixtures.

and other a~scts representing bank

premises ....................... .

208,896.93

Real estate owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets ...................... ____1~,2_0_0_.0_0

Total Assets .................. $ 3,578,317.17

LIABILITIES
Demand deposits ................ $ Time and savings deposits ........ . Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ....................... . Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin~ ...................... Other liabilities .. , . , ..... , .. , .... . Capital notes and debentures ....... . Preferred stock , ...... , ....... . Common stock ................. . Surplus ........ , ..... , .......... Undivided profits .... , ........... Reserve~ ......................

1,733,:i1Y.28 932,838.24 30,056.99
167,832.39 25,000.00 45,074.29
None
None 130,300.82
None None 2:>0,000.00 200,000.00 63,695.16 None

Total Liabilities ............... $ 3,578,317.17

STATEMENT Showing condition at the close of business December 31, 1965, of
GEORGIA BANK & TRUST COMPANY Macon (Bibb), Ga.
As called for by the Superintendent of Banks

LOGAN LEWIS,

THOS. E. DOLLAR,

President.

Cashier.

Date of Charter: 6-9-1960

Began Business: 7-1-1960

===================================

ASSETS
Cash, balances with other banks, and cash itPms in nrocess of collt>ction. $
United States Government obligations, direct and guaranteed ..... .
Obli~ations of States and political subdivisions .................... .
Securities of Federal agencies and
cuo.rsp.o.r.at.i.o.n.s. .n.o.t. . .g.u.a.r.a.n. .t c. .c.d. . b.y.
Other securities, coroorate stocks and stock in Federal Rcsnvc Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premis<'s ....................... .
Real Pstatc owned otht'r than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

3,1:>4,935. 78 4,360,309.66 1,769,773.08
:>00,000.00 IO,GOO.CO
12,198,806.63
266.060.96 N 1>nC
Non~
100,290.24

LIABILITIES
Demand deposits .................. $ Time and savin~s deposits ........ . Deposits of U. S. Government ..... Deposits of States and political sub-
divisions ....................... . Deposits of banks ................ Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstand in~ ............ Otht>r liabilities ................ Capital notes and debentures ....... .
Preferred stock . < Common stock ....... Surplus ........................ Undivided profits ............... Reserves .......................

8.105,778. 72 4.152,325.56
342,717.70
3. 748,604.02 3,780,361.93
40,908.01 None
None 442,228.43
None None 1,000,000.00 500,000.00 247.251.98 None

Total Assets ...... , ........... $ 22,360,176.3:>

Total Liabilities ............... $ 22,360,176.35

FORTY-SIXTH ANNUAL REPORT

97

STATEMENT

Showing condition at the close of business December 31, 1965, of
BANK OF MADISON Madison (Morgan), Ga.

As called for by the Superintendent of Banks

L. B. CHAMBERS, President.
Date of Charter: 12-26-1888

H. G. LOMAX, Cashier. Began Business: 1-1-1890

ASSETS
Cash, balances with other hanks, and
cash items in process of collection.$ Vnited Statf's GoYernment obliga-
tions, direct and guaranteed ..... . Obli~ations of States and political
subdivisions .................... . SPcuritics of Fedf'ral ag<'ncies and
corporations not guaranteed by
u.s.
()ther securities, corporate stocks and stock in Fednal Rf'scne Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises. furniture and fixtures. and other assets representing bank
premises ..................-..... . Real f'statf' owned other than bank
prernise:-. ....................... . Cu~tomer~ liabilitv to this bank on
acceptances outs.tanding ........ . Other assets ..................... .

370,i64.17 1,699,946.79
58,924.60
None None I ,:i48,312.35
34,167.77 None :I"\one
2,524.02

Total Assets .................. $ 3,714,639.70

LIABILITIES
Demand deposits ................. $ ~~ ime and savings deposits ...... Deposits of U. S. Government o.....
Ddi~f~it~n~f. ~~~:es .a.~~. :~~i~iocal ~~~:
Deposits of banks ............... o Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac~
count of this bank and outstand~ ing ... Other liabilities .. Capital notes and debentures ..... o. o Preferrrd stock . o........ o...... . Common stock ... o Surplus ........................ .. Vndivided profits ................ . Reserves ...... o

I ,829,912. 79 1,214,191.54
23,288.41
381,131.40 7,500.00 264.00 None
None
~one
None None 50,000.00 100.0110.00 108,351.56 None

Total Liabilities ............... $ 3,714,639.70

STATEMENT Showing condition at the close of business December 31, 1965, of
BANK OF MANCHESTER Manchester (Meriwether), Ga. As called for by the Superintendent of Banks

CLAUDE A. BRAY, President.
Date of Charter: 1-28-1910

ROBT. A. KELLUM, JR., Cashier.
Began Business: 2-2-1910

ASSETS
Cash, balances with other banks. and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obliga!i?~s of States and political SubdtVISIOnS , , , . , . , . , . , , , o, o.. o..
Securities of Federal agencies and
uc o.rsp.o.r.a.t i.o.n.s. .n.o.t. .g. .u.a.r.a.n. .t e. .e.d. . .b y.
Other securities, corporate stocks and stock in Federal Reserve Bank ...
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises o o
Real estate owned other than bank premises ... o o
Customers' liability to this bank on acceptances outstanding . 0 o
Other assets ........ o... o. o
Total Assets .................. $

1,143,157.70 I ,5 77,287 .ll6
652,443.80
349.691.75 1'\one
I ,880.256.53
33,700.91 3,216.11 :"Jone 308.50
5,640.062.36

LIABILITIES

Demand deposits ................. $

'I 1me and savings deposits ..

Deposits of U. S. Government ..

Deposits of States and political sub~

divisions .... o.................. .

Deposits of banks ..... o...... o..

Certified and officers' checks, etc....

Other liabilities for borrowed money o

Acceptances executed by or for ac-

count of this bank and outstand~

ing

. o o.

Other liabilities .................. .

Capital notes and debentures oo. o... .

}>referred stock ............ o.. o

Common stock ...

Surplus

o o o

Undivided profits ................ .

Reserves ...

2,302,142.06 2,161,566.31
48,637.02
595,112.58
~Oil{'
4,135.77
~one
None 85,850.03
~one
None 150,000.00 150,000.00 122,618.59
20,000.00

Total Liabilities ............... $ 5,640,062.36

98

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

FARMERS AND MERCHANTS BANK OF MANCHESTER Manchester (Meriwether), Ga.

As called for by the Superintendent of Banks

ELMER LOFTIN, President.
Date of Charter: 10-7-1947

JIMMIE F. LOFTIN,
Cashier. Began Business: 2-2-1948

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United Stahs Government obligations. direct and guaranteed ..... .
Obli~ations of States and political subdivisions .................... .
Securities of FC'deral agencies and corporations not guaranteed by U.S........................... .
Other securitit>s, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ....................... , . ,
Bank pnmiscs. furniture and fixtures. and ?thfT a~scts representing bank
preffiiSCS . , .. ,
Real e~tate owned other than bank premtscs ....................... .
Customers' liabilitv to this bank on acceptances outs'tanding ........ .
Other as~ets ..................... .
Total Assets .................. $

648,177.61 399,291.40
66,322.86
200,109.38 None
971,983.00
15,977.73 None None 411.86
2,302,273.84

LIABILITIES
Demand deposits ................. $ Time and savings deposits ... ~ .... Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ...................... Deposits of banks ......... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin~ ........................... Other liabilities .................. Capital notes and debentures ....... . Preferred stock ................ Comn1on stock ................ Surplus .................. , . , ... Cndivided profits ................ Reserves ..... , ..................

770,068.19 909,411.58
7,488.67
391,876.05 None
4,112.38 None
None 12,851.75
None None 50,000.00 85,000.00 71,465.22 None

Total Liabilities .......... $ 2,302,273.84

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF MANSFIELD Mansfield (Newton), Ga.

As called for by the Superintendent of Banks

A. E. HAYS, President.
Date of Charter: 12-19-1945

G. BARRON DAVIS, Cashier.
Began Business: 3-1-1946

ASSETS
Cash. balances with other banks, and cash items in process of collection.$
United States Government obligations. direct and guaranteed ..... .
Obli15a~i?~s of States and political subdtVISIOnS .. , ... , , . , . , ... , ... , .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including over-
drafts .......... . . Bank premisf's. furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank premis('s ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .
Total Assets ..................$

185,301.27 126,000.00
None
74,875.00 None
564,589.88
6,798.31 None None None
957,564.46

LIABILITIES
Demand deposits .............. $ Time and sa\ings deposits ........ Deposits of U. S. Government ..... Deposits of States and political sub~
divisions ................ Deposits of banks ........... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed . by or for ac-
count of this bank and ou tstandin~ ....................... Other liabilities ........ Capital notes and debentures ....... Preferred stock ........... Common stock .......... Surplus ................. Undivided profits .............. Reserves ..................

404,237.39 310,503.31
5C5.68
102,948.03 None
3,948. 76 None
None 571.27 None None 25,000.00 75,000.00 34,850.02 None

Total Liabiliti'il' ............ $ 957,564.46

FORTY-SIXTH ANNUAL REPORT

99

STATEMENT

Showing condition at the close of business December 31, 1965, of

COBB EXCHANGE BANK Marietta (Cobb), Ga.

As called for by the Superintendent of Banks

ROSSER N. LITILE, President.
Date of Charter: 12-18-1906

JAS. W. HAMES, Cashier.
Began Business: 1-1-1907

ASSETS
Cash, balances with other banks, and cash items in process of collection.$
United States Government obligations, direct and guaranteed ..... .
Obligations of States and political subdivisions ............. , . , .... .
Securities of F('deral agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premi~es. furniture and fixtures, and other assets representing bank premises ..................' ..... .
Real estate owned other than Lank premises .......................
Custorn('rs' liability to this bank on acceptances outstanding ........ .
Other assets .....................

2,694,107.66 2,092,957.31 1,919,982.05
I\~ one None 7,308, 781.50
174,935.07 None None
95,938.85

Total Assets .................. $ 14,286,702.44

LIABILITIES
Demand dcposi ts .... $ Time and savings deposits . Deposits of U. S. Government .... Deposits of States and political sub-
divisions ......... DPposits of banks .... Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding .............
Other liabilities o.
Capital notes and debentures ....... Preferred stock ........... Common stock .....
Surplus .................. Undivided profits ........... Rcs('rves ...

7,975, 799.45 3,018.601.17
370.501.69
1,454.234.63 None 81.00 None
None 294,898.32
?\one None 300,000.00 600.000.00 272,586.18 None

Total Liabilities ............... $ 14,286,702.44

STATEMENT

Showing condition at the close of business December 31, 1965, of

MARlETTA COMMERCIAL BANK Marietta (Cobb), Ga.

As called for by the Superintendent of Banks

WALTER E. GRAHAM, President.
Date of Charter: 9-2-1955

LEE E. PARTAIN, JR., Cashier.
Began Business: 9-17-1956

ASSETS
Cash. balancPs with other banks, and cash it PillS in proc('SS of collection . . $
United States Government obligations, direct and guaranteed ..... .
Obli~a~i<!~s of States and political subdtVISlOllS .................... .
S,nuities of FedPral ageucies and coroorations not guaranteed by U.S........................... .
Other securitit'S, corporate stocks and stock in Federal Res{'fve Bank, ...
Loans and discounts, including ovt'rdrafts ......................... .
Bank premiS('S, furniture and fixtures, and ':ther assets r('presentin~ bank preiUISCS , . , . , .......... , . , ..... .
Real t'State owned other than bank premises ....................... .
Customcn' liahility to this bank on acceptances outstanding ........ .
Other assets ..................... .

1.698,484.02 1.854,034.61
141.691.37
500.057.811
~Tone
3, 738.283.09
163,238.16 "i\onc
2,fi00.111l 1t.:i14.96

Total Assets .................. $ 8,139,904.01

LIABILITIES
D('mand deposits ..... $ Time and savings deposits ... Deposits of U. S. Government .. Dt~po<>its of States and political sub-
divisions ................ Deposits of banks ....... Certified and officers' checks, etc.. Other liabilities for borrowed money. AcceptaflC('S executed by or for ac-
count of this bank and outstanding- .......... Otht>r liabilities ............. Capital notes and debentures ..... Preferred stock o Common stock Surplus ............. Undivided profits ..... , ......... Reserves .......

3. 738,336.68 1.682,918.29
216,888.87
I, 706)11.35 10.51111.00 71,986.06
~one
2,600.00 178.327.85
None None 320,000.00 150.000.00 62,234.41 None

Total Liabilities ............... $ 8,139,9C4.01

100

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

FIRST STATE BANK Marshallville (Macon), Ga.

As called for by the Superintendent of Banks

RUFUS W. GOSNELL, President.
Date of Charter: 9-19-1910

JAS. H. GOODMAN, Cashier.
Began Business: 9-27-1910

ASSETS
Cash, balances with other banks. and cash items in process of collection.$
United States Government obligations, direct and guaranteed ..... .
Obli~ations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
us.
Other securitif"s. coroorate stocks and stock in Federal Res('rve Bank ....
Loans and discounts, including overdrafts ............. , ....... , ... .
Bank premises, furniture and fixtures. and other assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .... , ............. $

244,315.40 264,211.49
None
~one
None 331,917.49
17,li6.38 None None 679.74
858,300.50

LIABILITIES

Den1and deposits $

Time and savings deposits . o

Deposits of U. S. Government ._

Deposits of States and political sub-

divisions ...........

Deposits of banks ......

Certified and officers' checks, etc.

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing .....

Other liabilities ....... , .. o o o

Capital notes and debentures .......

Preferred stock .. o o o o o

Common stock o o o

Surplus

o o. o o , o

Undivided profits o. o o. o

Reserves .... , o. o o

430,605.24 254,802.85
1,996.86
107,583.67 None
1,099.47 None
None 2,500.00
None None 25,000.00 25,000.00 9,712.41 None

Total Liabilities ....... , , ..... $ 858,300.50

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF MEIGS Meigs (Thomas), Ga.

As called for by the Superintendent of Banks

J. L. PILCHER, President.
Date of Charter: 5-8-1903

TOM SMITH, Cashier.
Began Business: 6-1903

ASSETS
Cash, balances with other banks, and cash items in process of collection.$
United States Government obligations, direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Secnrities of Federal agencies and corporations not guaranteed by
Otuh.esr. securitif's,corporatf' stocksand
stock in Federal Reser\'(' Bank .... Loans and discounts. including over-
drafts ......................... . Bank premises, furniture and fixtures,
and other assets rcprcstnting bank prcmisPs ....................... . Rcal estate owned other than bank premises ....................... . CustomPrs' liability to this hank on aCCf'ptanccs outstanding ........ . Other assets ..................... .
Total Assets .................. $

287,770.89 477,308.25
8,000.00
334,990.33 None
78i,569.25
13,635.00 None None None
1,909,2i3.72

LIABILITIES
Demand deposits . $ o o Time and savings deposits ... Deposits of U. S. Government ...... Deposits of States and political sub-
divisions ........ o. o. o Deposits of banks ....... o o Certified and officers' checks, etc. Other liabilities for borrowed money o Acceptances executed by or for ac-
count of this bank and outstanding . o o Oth~r liabilities . . . . . . o o. o o Capital notes and debentures .... o Preferred stock o o o. o Common stock o o Surplus ......... o o Undividt>d profits o. o o Reserves . o o. o o

871,284.47 539,232.06
18,461.84
225,413.69 None
11,545.93 None
None 17,334.69
None None 50,000.00 50,000.00 101.001.04 25,000.00

Total Liabilities ..... $ 1,909,273.72

FORTY-SIXTH ANNUAL REPORT

101

STATEMENT Showing condition at the close of business December 31, 1965, of
METTER BANKING COMPANY Metter (Candler), Ga.
As called for by the Superintendent of Banks

D. J. PARRISH, President.
Date of Charter: 7-25-1930

REX D. HARTLEY, Cashier.
Began Business: 8-26-1935

ASSETS
Cash, balances with other banks, and cash items in process of collection.$
United States Government obligations, direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal RPscrvc Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ....................... .
Real estate ownt:'d other than bank
premises ...................... CustomPrs' liability to this bank on
acceptances outstanding ........ . Other assets ..................... .

464,179.12 I ,697,674.84
155,101.91
50,000.00 None
2,783,811.38
23,991.54 None None 548.57

Total Assets .................. $ 5,175,307.36

LIABILITIES
Demand deposits ... $ Time and savings deposits .... Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ...................... Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding .... Other liabilities ................. .. Capital notes and debentures ....... . Preferred stock ................. . Common stock ......... Surplus ..... Undivided profits Resf"rves ..............

1,960,972.87 2,449,667.32
26,270.72
232,346.22 240.83
18,713.12 None
None 97,320.12
None None 125,000.00 125,000.00 39,7i6.16 100,000.00

Total Liabilities ........ $ 5,175,307.36

STATEMENT

Showing condition at the close of business December 31, 1965, of

PINELAND STATE BANK Metter (Candler), Ga.

As called for by the Superintendent of Banks

G. H. ROUNTREE, President.
Date of Charter: 12-27-1961

MARTHA F. CANADY, Cashier.
Began Business: 10-15-1962

ASSETS
Casb, balances witb otber banks. and casb items in process of collection .. $
United States Government obligations, direct and guaranteed......
Obliga~i?~S of States and political subdtvisrons . . . . . . . . . . . . . . . . . . . .
Securities of Federal agencies and corporations not guaranteed by U.S. . . . . . . . .. . .. .. . . .. . . . . .. .. .
Other securities, corporate stocks and stock in Federal Reserve Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtures, and other assets representing bank premises . . . .
Real estate owned other than bank premises . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . .
Other assets . . . . . . . . . . . . . . . . .

334,071.13 1,027,106.33
~one
None None 821,978.22
54,988.8i None :":one
1.813.32

Total Assets ........ $ 2,239.957.87

LIABILITIES
Demand deposits $ Time and savings deposits . Deposits of U. S. Government .... Deposits of States and political sub-
divisions ....................... Deposits of banks ............. Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstanding .. Other liabilities Capital notes and debentures ....... . Preferred stock ............... Common stock .. Surplus .............. Undivided profits .... Reserves .

615,833.04 877,364.22
13,430.66
438,659.99 None
26.694.00 None
None 30,000.00
None None !00,000.00 75,000.00 51,225.96 11,750.00

Total Liabilities ... $ 2.239,957.87

102

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1965, of
BANK OF MIDVILLE Midville (Burke), Ga. As called for by the Superintendent of Banks

.J. FRANK FARMER,
President. Date of Charter: 4-13-1945

R. H. SIMS, Cashier.
Began Business: 5-21-1945

ASSETS
Cash balances with othC'r banks. and cas'h items in process of collectio_n. $
United Stat('S Gov('rnment obhgations. direct and guaranteed ..... .
Obli~ations of States and political subdivisions .................... .
Securities of FPd<'ral agencies and corporations not guaranteed by U.S.......................... ..
Otht'r securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and di~counts, including over-
drafts .......... . Bank premise~. furniture and fixtures.
and othPr assets representing bank premises ....................... . Real e~tatf' owned other than bank premises ....................... . Customt>n.' liability to this hank on acceptancPs outstanding ........ . Other a~sets ..................... .
Total Assets . . . . . . . . . . . . . . . . . . $

138,793.63 249,928.13
11,754.46
~one
None 418,236.42
2.00
~one ~one
l\' one 818,714.64

LIABILITIES
Demand deposits .................. $ Time and savings deposits ........ . Deposits of U.S. Government ..... . Deposits of States and political sub-
divisions ....................... . Deposits of banks ........... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ........................... . Other liabilities .................. Capital notes and debentures ....... . Preferred stock .............. , .. Comrnon ::..tock ................. Surplus ......................... Undivided profits ............... l{eser\'f's .........................

367,569.07 214,897.13
None
119,662.76 5,000.00 4,998.10 None
None 3,82:l.93
Nono None 25,0110.111) 50,000.00 20,263.65 7,500.00

Total Liabilities ........... $ 818,714.64

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF MILAN Milan (Telfair), Ga.

As called for by the Superintendent of Banks

G. C. JONES, President.
Date of Charter: 12-6-1906

JACK B. WETHERINGTON, Cashier.
Began Business: 10-1906

ASSETS
Cash. balances with other banks, and cash items in process of collection.$
Unihd States Government obliga-
tions, direct and guaranteed...... Obli~ations of States and political
subdivisions .................... Securities of Federal agencies and
corporations not guaranteed by U.S. .. .. . .. .. .. .. .. . . . . . . .. .. .. Other securities, corporate stocks and stock in Fedt>ral Reserve Bank.... Loans and di::..counts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . . Bank premises, furniture and fixtures, and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . . Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . . Customers' liability to this bank on acceptances outstanding .........
Other assets . . . . . . . . . . . . . . . . . . . . . .

309,975.10 500,104.00
None
None None 941,014.28
18,254.04 N0nc None None

Total Assets . . . . . . . . . . . . . . . . . . $ 1,769,347.42

LIABILITIES
Demand deposits ........... $
Time and savings deposits ........ . Deposits of U. S. Government ..... . DeJ?O~i.ts of States and political sub
d!VISIOllS , , , , , , , , , , , , , ,,,,,.,,
Deposits of banks ... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding .................... Other liabilities .. Capital notes and debentures ....... .
Preferred stock ........... Common stock ......... Surplus .................... Undivided profits ............ Reserves .................

840,094.52 729,332.88
1,265.00
64,773.81 None None None
None 7,313.36
None None 70,000.00 35,000.00 21,567.85 None

Total Liabilities ........... $ 1,769,347.42

FORTY-SIXTH ANNUAL REPORT

103

STATEMENT

Showing condition at the close of business December 31, 1965, of

EXCHANGE BANK Milledgeville (Baldwin), Ga.

As called for by the Superintendent of Banks

JOHN E. GARNER, JR. President.
Date of Charter: 5-20-1903

AUBREY H. SIMPSON, Cashier.
Began Business: 6-1-1903

ASSETS
Cash, balances with other banks, and cash it'ms in process of collection .. $
Unit<"d States Government obligations. direct and guarantc'd ..... .
Obli~ations of States and political subdivisions .................... .
Securities of Fednal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stoc-k in Ft."deral Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures,
and other assets representing bank
premises ....................... . RC'al estate ownC"d other than bank
premises ....................... . Customers' liability to this bank on
acceptances outstanding ........ . Other assf'tS .....................

1,226,403.06 3,723,077.17 1,741,470.68
739,962.86 None
3, 752,998.64
180,528.71 None None
69,039.10

Total Assets .................. $ 11,433,480.22

LIABILITIES
Demand deposits .......... $ Time and savings deposits ..... Deposits of U.S. Government .... Deposits of States and political sub-
divisions .......... Deposits of banks ......... Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ........ Other liabilities Capital notes and debentures ..... Preferred stock ........... Common stock ......... Surplus ............. , .... Undivided profits ............... .. Reserves .....

3,239,952.02 3,907,199.48
259,135.13
2,428,409.36 468,761.47 16,219.73 None
None 291,373.14
None None 273,000.00 300,000.00 249,429.89 None

Total Liabilities ............... $ 11,433,480.22

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE MERCHANTS AND FARMERS BANK OF MILLEDGEVILLE Milledgeville (Baldwin), Ga.

As called for by the Superintendent of Banks

DR. H. D. ALLEN, President.
Date of Charter: 3-22-1898

J. R. ALLEN, Cashier.
Began Business: 3-1898

ASSETS
Cash, balances with other hanks, and cash items in process of collection .. $
Cnited States Government obligation:'., direct and guaranteed ..... .
Obligations of Statt~s and political subdivisions .................... .
Srcuri ties of F ~deral agencies and corporations nol guaranteed by
u.s.....
Other securities, corporate stocks and _.;tock in Fe dual Reserve Bank . . . .
Loans and discounts, including overdrafts ........................
Bank premises, furniture and fixturC's, and other assets representing bank premises .... , .................. .
Real estate owned other than bank premises , . , .................... .
Customers' liabili tv to this bank on acceptances outstanding ........ .
Other assets ..................... .

848,548.42 2,311,956.14
619,120.69
250,000.00
!\~one
2,421 ,6i0.6i
99,568.70 None None
3,636.00

Total Assets .................. $ 6,554,500.62

LIABILITIES
Dernand deposits .......... $ Time and savings deposits .. Deposits of U.S. Government .. Depo,its of States and political sub-
divisions ............. Deposits of banks ..... Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ............ Other liabilities ....... Capital notes and debentures ....... Preferred stock ..... Common stock ...... Surplus ........ Undivided profits . Reserves ...................

2,121,802.48 2,973,041.35
297,1! 3.36
592,271.85
~one
20,GiY.:l4
~one
No11e None None None 200,000.00 250,000.00 99,600.23 None

Total Liabilities .............. $ 6,554,500.62

104

DEPARTMENT OF BANKING

--------------------------

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE MILLEDGEVILLE BANKING COMPANY .Milledgeville (Baldwin), Ga.

As called for by the Superintendent of Banks

FRANK W. BELL,
President. Date of Charter: 2-28-1874

WILLIE BOGGUS, Cashier.
Began Business: 10-13-1884

ASSETS
Cash. balancC"s with othf'r banks. and cash itf'm~ in proce!ls of collection.$
United States GovcrnmPnt obliga-
tions. direct and guarantcC'd...... Obligations of States and political
subdivi<.;ion~ ............. ..... Securities of Fednal agC'ncies and
corporations not guaranteed by
u.s. . . . . . . . . . . . . . . . . . . . . . . . . . . .
Other ~ecurities. corporate stocks and
stock in FPderal Reserve Bank.... Loan~ and di~counts, including over-
drafts ......................... , Bank premi'ics. furniture and fixtur<'~,
and other assets rt'presenting bank premise<; . . . . . . . . . . . . . . . . . . . . . . . . Real Pstat(' owiwd otht'r than bank premisf'S . . . . . . . . . . . . . . . . . . . . . . . . Customers' liabilitv to this hank on acceptances outs-tanding . . . . . . . . . Other assets . . . . . . . . . . . . . . . . . . . . .

1,081,682.38 3,471,587.29 1J)75,G25.-t3
524,768.75 :'\one
3,69Ll.65L'iG
2.00 X one !\one
"!\~nne

LIABILITIES
Den1and deposits .. $ Time and savings deposits .. Deposits of U. S. Government .. Deposits of States and political sub-
divisions .............. Deposits of banks ....... Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin.~ ........ Other liabilities ............... Capital notes and debentures ....... Preferred stock ...... Common stock ........... Surplus ................... Undivided profits .... Reserve:> ........... ,

3,080,343.80 3, 790,652.45
I00,642.8l
1,725,413.25 127,797.96 I 7,601.46 Konc
None 45,647.07
None None 200,000.00 400,000.00 165,907.27 I90,311.34

Total Assets ............... , .. $

9,844,317.4\

Total Liabilities .... ., ., .... $ 9,844,317.41
~------- ~ ----------------------

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF MILLEN Millen (Jenkins), Ga.

As called for by the Superintendent of Banks

W. H. SHEPPARD, President.
Date of Charter: 1-4-1893

WATSON W. ROCKER, Cashier.
Began Business: 3-1-1893

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obliga-
tions, direct and guaranteed...... Obligations of States and political
subdivisions . . . . . . . . . . . . . . . . . . . . . Securities of Federal agencies and
corporations not guaranteed by U.S. . . . . . . . . . . . . . . . . . . . . . . . . . . . Other securities, corporate stocks and
stock in Federal Reserve Bank.... Loans and discounts, including over-
drafts .......... , , . . . . . . . . . . . . . . Bank premises. furniture and fixtures.
and other assets repre~f'n tin~ bank premises . . . . . . . . . . . . . . . . . . . . . . . . Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . Customers' liability to this bank on acceptances oubtanding . . . . . . . . . Other as~ets . . . . . . . . . . . . . . . . . . . . .

844,239.52
2,028,399.'2~) None
None 319.622.73 1.807,24:i.9;;
32,648.70 None :None None

Total Assets .... , ......... , ... $ 5,032,156.15

LIABILITIES
$ Demand deposits .. o o Time and savings deposits o Deposits of U. S. Government .... Deposits of States and political sub-
divisions ...... o. o o o. Deposits of banks ... o o o o Certified and officers' checks, etc. o Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding- .. 0 , 0 o, o Other liabilities .... o o. o Capital notes and debentures .. o ,
Preff'rred stock .. o o o Common stock o Surplus ........... o. o. o Undivided profits ... , ........ Reserves o , o o. o o.

2,399.306.16 1, 766,53l.R7
8,000.00
385,742.07 10,000.00 16,813.58 None
None 54,845.00
None
!\~one
lOO,O'lll.OO 200,000.00
90,917.47 None

Total Liabilities ............... $ 5,032,156.1)

FORTY-SIXTH ANNUAL REPORT

105

STATEMENT

Showing condition at the close of business December 31, 1965, of BANK OF MOLENA Molena {Pike), Ga.
As called for by the Superintendent of Banks

R. H. FLETCHER, President.
Date of Charter: 10-7-1901

CHAS. W. BECKHAM, Cashier.
Began Business: 3-1899

ASSETS
Cash. balances with other hanks. and cash item~ in process of collection.$
United States Government obligations, direct and guaranteed ...: ..
Obli{{ations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by U.S........................... .
Other securities, corporate stocks and stock in FPderal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank pnmises, furniture and fixtures, and other assets representing bank premises .......................
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

105,651.)7
16~,180.00 ~one
135,000.00 None
298,072.22
1,101.00 1.00
:I\'" o n e None 702,005.79

LIABILITIES

$ Demand deposits o . . . . . . . . . . . . . . . . Time and savings deposits 6 6 o. o o o o. Deposits of U. S. Government ..... .
Ddi~i;it~n~f. ~~~:e_s, .a.~~. :~~i~ical ~~~~

Deposits of banks o o o

Certified and officers' checks, etc..

Other liabilities for borrowed money.

Acceptances executed by or for ac

count of this bank and outstand

ing

o o oo o 6 o o ooo oo o o oo o. o.

Other liabilities o ................. .

Capital notes and debentures ....... .

Preferred stock .............

Common stock o o o o o o o

Surplus o ..................... .

Undivided profits ................ .

Reserves ....... o o o o o o. o. o. o o o

297,758.25 262,703.47
2,283.59
62,067.02 None
1,087.37 None
None 1,500.00
None None 30,000.00 30,000.00 14,606.09 None

Total Liabilities ............... $ 702,005.79

STATEMENT Showing condition at the close of business December 31, 1965, of
THE FARMERS BANK Monroe {Walton), Ga. As called for by the Superintendent of Banks

GEO. W. BAKER, President.
Date of Charter: 1-1-1906

J. B. BUTTS, Cashier.
Began Business: 1-1-1906

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $

United States Government obliga

tions, direct and guaranteed. , .

Obliga~i?J!S of States and political

subd!VlSlOllS , , , , , o, o, , , , , , ,

Securities of Federal agencies and

corporations not guaranteed by

u.s.

OOOoOOoooooooooooo

Other securities, corporate stocks and

stock in Federal Reserve Bank ...

Loans and discounts, including over

drafts . o o o. o o

Bank premises, furniture and fixtures,

and other assets representing bank

premises o. o o o o o o o o o. o o o o.

Real estate owned other than bank

premises . o o o o o o o

Customers' liability to this bank on

acceptances outstanding o o

Other assets ..... o o o

Total Assets .................. $

1, 749,580.25 1,259,983.91
635.263.22
150,112.50 2!,000.00 4,477,723.10
37,742.49 234,376.98
X one None 8,565,784.45

LIABILITIES
Demand deposits ................. $ Time and savings deposits o o Deposits of U. S. Government . o. o o
Ddi~i~J~n~f. ~~~:es .a.~~. :~~i~:cal ~~~~
Deposits of banks . o. o o o Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstand ing ....... o o o o Other liabilities ................. .. Capital notes and debentures ....... . Preferred stock . o 6 Common stock o. o o. o o. Surplus . ,o ...................... . Undivided profits ................ . Reserves o

3,662,992.37 3,010,010.'i2
108,219.15
667,841.52 None
187,68!l.13 None
None 50,821.11
None None 250,0110,(10 450,000.00 178,219.65 None

Total Liabilities ............... $ 8,565, 784.45

106

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1965, of
MONTEZUMA BANKING COMPANY Montezuma (Macon), Ga.
As called for by the Superintendent of Banks

T. M. ADAMS, President.
Date of Charter: 10-23-1948

C. W. KINMAN, Cashier.
Began Business: 1-10-1949

ASSETS
Cash, balances with othf'r banks, and cash items in process of collection.$
United States Government obligations, direct and guaranteed..:
Obli~a~i?~s of States and poht1cal subdJVISIOllS .
Securities of Federal agencies and corporations not guaranteed by
U.S................... Other securiti{'s, corooratc stocks and
stock in Federal Reserve Bank.... Loans and discounts, including over-
drafts .......... . Bank premises, furniture and fixtures,
and other assets representing bank premises ................... .. Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . . Customers' liability to this bank on acceptances outstanding . . . . . . . . . Other assets . . . . . . . . . . . . . . . . . . . . . .

344,288.87 825,519.59 362,798.10
None None 1,003,448. 72
10,~48.82
None None None

Total Assets ..................$ 2,546,304.10

LIABILITIES
Demand deposits ........ $ Time and savings deposits . : .... Deposits of U. S. Government .. Deposits of States and political sub
divisions ............... Deposits of banks ... Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding .................. Other liabilities .......... Capital notes and debentures ....... . Preferred stock ....... Common stock ..... Surplus ................. Undivided profits ...... Reserves ..............

848,653.89 892,594.[!6
6,916.90
516,82U4 None
6,045.21 None
None 21,989.50
None None 50,000.00 75,000.00 120,779.30 7,500.00

Total Liabilities ..... $ 2,546,304.10

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF MONTICELLO Monticello (Jasper), Ga.

As called for by the Superintendent of Banks

L. 0. BENTON, JR., President.
Date of Charter: 2-8-1964

L. W. BENTON,
Cashier. Began Business: 2-10-1964

ASSETS

Cash, b::tlanccs with other b;:~nks. and
cash itPms in nroccss of collcctin.n. $
lJnlted St~tcs Government obliga-

279,780.12

t-ions. dinct and guaranteed ..... . Oblif!;:~tiC:f!" of States and political

1,005,90:U 1

subfhVISIOn<.; ............. . Securities of FPderal a~encies and

1,3GIJ.53

cornorations not guaranteed by

U.S........................... . Other sPcuritie<;. cornorate stock<.: and

34,i75.00

stock in Frderal Reserve lhnk .... Lo::~ns and discounts, including over-

None

drafts ....................... . 1,238,372.05 Bank prPmises. furniture and fixtnre".

and other assets representing bank

premises ....................... . Real e<.;tate ownf'd other than bank

75,000.00

premis('s ....................... . CustomPrs' liability tn this bank on

215.00

_ _ ClCCeptances outstanding . . . . . . . . .
Other assets .. .. . .. .. . .. . . . .. . . .. .

None .1..,7.:6..4.._8_9

Total Assets .................. $ 2,637,116.70

LIABILITIES
Demand deposits .... $ Time and savings deposits .. Deposits of U. S. Government ... Deposits of States and political sub-
divisions ........ Deposits of banks Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand ing ................. Other liabilities . Capital notes and debentures ...... Preferred stock ........ Common stock .. Surplus ....... Undivided profits ..... Reserves .......

856,006.27 1,446,647.20
15,064.65
111,116.25 None
8,205.12 None
None None None None 100,000.00 50.000.00 50,077.21 None

Total Liabilities ............... $ 2,37, 116.70

FORTY-SIXTH ANNUAL REPORT

107

STATEMENT Showing condition at the close of business December 31, 1965, of
MOULTRIE BANKING COMPANY Moultrie {Colquitt), Ga.
As called for by the Superintendent of Banks

W. J. BAIRD, President.
Date of Charter: 7-8-1896

H. W. RHODES, Cashier.
Began Business: 1896

ASSETS

Cash, balances with other banks, and cash itf'ms in process of collection .. $
United States Government obliga-
tions, direct and guaranteed ..... . Obli~a~i<;~s of States and political
subdtvtstons ..................
Securities of Federal agencies and corporations not guaranteed by
Oj;~~- se~;,~iti~;: ~~~~~~~i~ 'si~~k; -~~d

3,799,697.68 4,182,490.08 2,220,168.27
None

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts ......................... . li,162,909.18

Bank premises. furniture and fixtures,

and other assets rPpresenting bank

premises .....................

155,085.67

Real estate owned other than bank

premises ....................... .

58,008.fl0

Customers' liability to this bank on

acceptances outstanding ........ .

!'\one

Other assets ..................... .

63,217.33

-----

Total Assets .................. $ 16,641,568.21

LIABILITIES
Demand deposits ... , ..... o $ Time and savings deposits o Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ............. o Deposits of banks .............. Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ................. Other liabilities .. o o o o o Capital notes and debentures ....... . Preferred stock ............... Common stock ........... Surplus ....................... Undivided profits .... Reserves ............... o

9,105,390.16 3,996,175.98
190,278.44
895,608.36 229,150.46 56,0111.05
None
None 296,885.87
None !'\one 300,000.00 1,000,000.(,0 198,069.55 374,008.34

Total Liabilities ............ $ 16,641,568.21

STATEMENT Showing condition at the close of business December 31, 1965, of

MOUNT VERNON BANK Mt. Vernon (Montgomery), Ga.

As called for by the Superintendent of Banks

D. A. McRAE, JR., PrE>sident.
Date of Charter: 12-21-1900

G. E. HUGHES, Cashier.
Began RusinPRs: 1-24-1901

ASSETS
Cash. balances with other banks. and cash itcms in nroccss of collection.$
United States Government obligations. direct and guaranteed ..... .
Obliga~i?1~s of States and political subdiVISIOnS . , , , , , , . , ........ , , ..
SecuritiP<; of Federal agencies and
cuo.rsn.o.r.at.i.o.n.s. .n.o.t. . .g.u.a.r.a.n. .t e. .e.d. . b.y.
OthC'r sccuritiPs. cornorate stock<; and stock in f,,deral Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniturP and fixture<;. and oth<'r assets representing bank prC'mises ....................... .
Real ('State owned other than bank premises ....................... .
Customers' liabilitv to this Lank on (\Cccptanccs outs:tanding ........ .
Other assets ..................... .
Total Assets ..................$

379,335.62 673,079.80 143,107.14
50,GOO.CO
~one
772.f/)7 .83
21,738.71 None None
2,479.08 2,042,438.22

LIABILITIES
Demand deposits ............ $ Time and savings deposits ....... Deposits of U.S. Government ..... Deposits of States and political sub
divisions ...................... Deposits of banks ......... : . . Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand ing ........................... Other liabilities .............. Capital notes and debentures ....... . Preferred stock ..... Common stock ... o Surplus ...................... Undividrd profits ................ . Reserves ...............

747,945.92 ti75,103.fJ5
13.572.12
343,496.56 43,423.31
3,230.09 None
I'\ one 35,257.13
None
~one
100,000.00 5ll,COO.OO 30,407.44
None

Total Liabilities ............... $ 2,042,438.22

108

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1965, of
THE CITIZENS BANK Nashville (Berrien) , Ga. As called for by the Superintendent of Banks

W. D. PERRY, President.
Date of Charter: 2-19-1943

OUIDA N. WILSON, Cashier.
Began Business: 3-1943

ASSETS
Cash. balances with other b~nks. and cash itPms in nrocess of collection. -$
United Stahs GovernmPnt obli~ations. direct and g-uaranteed ..... .
Obliga~i<;f!s of States and political
subdJVISlOTIS ..... , ... ,
Securities of Federal agencies and cornorations not guaranteed by U.S........................... .
Other securities, cornoratP stock<; and stock in F"deral Rc-,erve Bank ....
Loans and discounts, includin~ overdrafts ......................... .
Bank pnmisf's. furniturc and fixture<::, and other assets representing b::mk premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding
Other assets ..................... .

936,036.49 693,745.36 119,9&L04
550,GU0.00 300,000.00 I ,097,026.40
14,570.00 10,400.00
Non<' None

Total Assets ..................$ 3, 721,762.29

LIABILITIES
Demand deposits .................. $ Time and savings deposits .. Deposits of U. S. Government ........ . Deposits of States and political sub
divisions .......... Deposits of banks ............... Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding- ...... Other liabilities ........... Capital notes and debentures ....... Preferred stock .... Common stock ....... Surplus .............. Undivided profits ............... .. Reserves .. ,

1,572,fi68. 79 1,212,921.13
52,2J7.07
376,705.06 140.5C6.28
3,615.32 None
None 33,750.00
None
~one
100,000.1!0 150,COO.OO
4,353.64 75,1JOO.OQ

Total Liabilities ...... , ........ $ 3,721,762.29

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE UNITED BANKING COMPANY Nashville (Berrien), Ga.

As called for by the Superintendent of Banks

H. D. HAND, President.

LUCILLE L. FFLLER, Cashier.

Date of Charter: 7-10-1924

Business Began: 7-15-1924

===================================

ASSETS
Cash. balancr<; with other b::Jnks, :tnd cash itPms in nrocr~s of coilect:nn. $
Unitf'd States Gn\ernment oblig-a-
tions, dirert and guarantef'd...... Ohli~ZI'ltions of Statf'S and political
subdivisions . . . . . . . . . . . . . . . . . . . . . Sf'curities of Federal agencies anrl.
coruorations not gnarant<'ed by U.S. . . . . . . . . . . . . . . . . . . . . . . . . . . . Other sPcuritiec;;, cornorate .;;tock<; and stock in Ffderal Rcqn:e Bank,,.. Loan" and di<;counb. includin~ overdrafts . . .. . . . . . . . . .. . . . . .. .. .. . . Bank prl'miscs, furnitur<' :1nd fixtllrt''>, and l)tlwr a<;srts rt'prc~cnting bank prcmi<;('" ... , . . . . . . . . . . . . . . . . . . . .
Real t';;!cttt mvned other than hank
prnis<'S . . . . . . . . . . . . . . . . . . . . . . . . Cu~tomers' liabilitv tn thi'i hank on
8ccrptancP<; ro11htanding .... ()j hl'r a -;srt<;

911,133.23 380, i50.00 159,976.37
700,000.[;0 None
1,58U,l f.f.C7
124,4GR.5G i.GIJ
:\onP 8,270.00

LIABILITIES
Demand deposits .............. , . $ Time and saYings deposits ........ Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ............... Deposits of hanks ......... Certified and officers' checks, etc....
Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ...................... Other liabilities ............ Capital notes and debentures ...... .
Preferred stock . . . . , Common stock ... Surplus ........... , . . . . . . . ..
lJnrtivided profits . , , , .. Rcs<'rve'3 ...... , .... , , ...

Total As<.d<; .....

.....$ 3,86 U73.83

- - - - - - - - - -..- - - - - - - - - - - - -

Total Liabilities ............... $ 3,864, 773.6'.\

FORTY-SIXTH ANNUAL REPORT

109

STATEMENT

Showing condition at the close of business December 31, 1965, of
BANK OF NEWINGTON Newington (Screven), Ga.
As called for by the Superintendent of Banks

HORACE V. WELLS, President.
Date of Charter: 7-7-1919

ERNEST E. LEE, Cashier.
Began Business: 8-14-1919

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, dinct and guaranteed..... .
Obligations of States and political subdivisions ..................
Securitics of Federal agencies and
cuo.rsp.o.r.a.t i.o.n.s. .n.o. t. . .g.u.a.r.a.n. .t e. .e.d. . .by.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises .......................
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

219,349.72 90,000.00 None
None None 199,839.25
8,840.88 :!\'one None None
518,029.85

LIABILITIES
Demand deposits .. $ Time and savings deposits o o 0 0. o o o o Deposits of U. S. Government ....
DJi~is:i~n~f. ~~~:~s..a.~~. :~~i.t:~al ~~~:
Deposits of banks .......... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac~
count of this bank and outstand ing Other liabilities Capital notes and debentures ....... . Preferred stock ............... Common stock . o o. o. o o o. Surplus Undivided profits Reserves ....... o. o. o o o o o o o o o o

318,151.56 98,038.38 53'UO
31,983.67 None
2,263.64 None
None None None None 15,000.00 35,0UO.fO 17,059.60 None

Total Liabilities .... $ 518,029.85

STATEMENT

Showing condition at the close of business December 31, 1965, of
THE CITIZENS & SOUTHERN NEWNAN BANK Newnan (Coweta), Ga.

As called for by the Superintendent of Banks

T. GLENN WARE, President.
Date of Charter: 2-25-1955

B. S. ASKEW, Cashier.
Began Busine1111: 2-25-1955

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obliga~ic;'!s of States and political subd!VlS1011S ....................
Securities . of Federal agencies and corporat1ons not guaranteed by
u.s................ ,
Other secmitirs, ccrpurate stocks and -stock in Federal Reserve Bank ...
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises . o o o o o o o o o o o o o o. o. o
Real estate owned other than bank premises o o o o. o o o
Customers' liability to this bank on acceptances outstanding ...
Other assets . o o o. o

880,826.33 3.119.9n.CI6 I,3114.nll.!iO
8f!O,OOfJ.,lO 2,625.00
6,101.333.74
322,988.10 None None
84,942.34

Total Assets ... $ 12,616,649.17

LIABILITIES
Demand deposits $ Time and savings deposits o. o o o o o ~ Deposits of U. S. Government o. o
Ddi~is~t~n~f. ~~~~es .a.~~. :~~i~~cal ~~~~
Deposits of banks ..... o. o Crrtifjecl and officers' checks) etc.... Other iiabiljti{"s for borrowed money. Acceptances executed by or for a;:~
count of this bank and f.>Utstand~ ing ............ o ....... oo Other liabilities Capital notes and debentures ....... . Preferred stock . o Common stock o o o o o o o o o o o Surplus . o. o o o. Undivided profits .. Reserves o o. o o o o o o o o

4,01)8, 194.72 6,010,212.78
67,719.64
764,1(2.90 275,1S6.44 -13 7AtlY,:)
Kone 435,925.51
None None 300,000.00 400,000.00 186,488.38 75,000.00

Total Liabilities $ 12,516,619.17

110

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

BAKER COUNTY BANK Newton (Baker), Ga.

As called for by the Superintendent of Banks

ALBERT W. BARBER, President.
Date of Charter: 10-4-1906

0. C. SINDERSINE, Cashier.
Began Business: 10-15-1906

ASSETS
Cash, balances with other banks, and cash i terns in process of collection .. $
United States Government obliga tions, direct and guaranteed ..... .
Obligations of States and political subdivisions ...............
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts .................
Bank premises, furniture and fixtures, and other assets representing bank premises .......................
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets ..................$

142,692.35 530,716.07
~one
None
Non~
657,609.98
2, 758.23 No'l.e None
1,547.20 1,335,323.83

LIABILITIES
$ Demand deposits o. o . . . . . . . . . o. o . . . Time and savings deposits ..... Deposits of U. S. Government .... Deposits of States and political sub
divisions .............. Deposits of banks ....... o ..... o o .. Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ..................... Other liabilities ......... Capital notes and debentures ....... . Preferred stock .............. Common stock ...... Surplus ............. o o, 0, 0 Undivided profits ........... , , , . Reserves ..............

591,657.39 151,021.91
2,004.00
307,047.84 None
17,226.23 None
None 11,964.G5
None None 25,0CO.OO 200,000.00 29,4Gl.Bl None

Total Liabilities 0 , . $ o, o o,,,, 1,335,323.83

STATEMENT

Showing condition at the close of business December 31, 1965, of

NICHOLLS STATE BANK Nicholls (Coffee) , Ga.

As called for by the Superintendent of Banks

RALPH G. LOTT, President.
Date of Charter: 12-2-1952

R. E. LOTT, Cashier.
Began Business: 1-2-1953

ASSETS

Cash, balances with other banks, and

cash items in process of collection.$

United States Government obliga-

tion<;. direct and guaranteed ..... .

Oblit;ations of States and political

subdiv1:-.ions .................... . Sccur; it~ of Federal agencies and

!n. :J:inns not guaranteed b'y

T 1



Othe duriti('s, corporate stocks and

stock in Federal Reserve Bank ....

Loans and discounts, including ovt"r-

drafts ......................... .

Bank premises, furniture and fixtures,

and other assets representing bank

premises ....................... .

Real estate ownt'd other than bank

premises ....................... .

Customers' liability to this bank on

acceptances outstanding ........ .

Other assets ..................... .

Total Assets .................. $

245,285.33 599,306.01
None
None None 212,673.02
1,327.17 None !\one None
1,058,591.53

LIABILITIES
$ Demand deposits . o. o o o. o. o Time and savings deposits ... Deposits of U. S. Government .. DeJ?O~i.ts of States and political sub
diVlSIOllS , , ., o, o o , o o,
Deposits of banks ... Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac~
count of this bank and outstanding .................. Other liabilities o ........ o o o o ..... . Capital notes and debentures ...... Preferred stock ....... Common stock , . ~ Surplus ......... o ...... o ... o .... . Undivided profits .. o. o o Reserves ......... , . ,

465,986.33 434,683.91
6,470.69
70,300.18
~one
516.43 None
None 2,700.22
None None 25,000.00 15,000.00 37,933.77 None

$ Total Liabilities . o, . . . . o o o, ... 1,058,591.53

FORTY-SIXTH ANNUAL REPORT

111

STATEMEl\'T

Showing condition at the close of business December 31, 1965, of

THE BANK OF NORCROSS Norcross (Gwinnett), Ga.

As called for by the Superintendent of Banks

ALLEN M. JOHNSON, President.
Date of Charter: 12-12-1903

J. S. NESBIT, Cashier.
Began Business: 2-1-1904

ASSETS
Cash, balances with other baQks, and
cash items in process of collection.$ United Statt's Government obliga-
tions, direct and guaranteed...... Obli15ations of States and political
subdivisions . . . . . . . . . . . . . . . . . . . . . Securities of Federal agencies and
corporations not guaranteed by u.s. . . . . . . . . . . . . . . . . . . . . . . . . . . . Other securities, corporate stocks and stock in Fedt>ral Reserve Bank.... Loans and discounts, including overdrafts . . .. .. .. .. .. .. .. .. .. .. .. .. Bank premises, furniture and fixtures, and other assets represPnting bank
premises . . . . . . . . . . . . . . . . . . . . . . . . Real estate owned other than bank
premises . . . . . . . . . . . . . . . . . . . . . . . . Customers' liability to this bank on
acceptances outstanding . . . . . . . . . Other assets . . . . . . . . . . . . . . . . . . . . . .

474,171.60 626,351.26
None
354,900.00
~one
1,107,720.39
85,329.82 X one None :\one

Total Assets . . . . . . . . . . . . . . . . . , $ 2,648,4 73.07

LIABILITIES

Demand deposits ......... $

Time and savings deposits ....

Deposits of U. S. Government . o o.

Deposits of States and political sub-

divisions .... o o o. o o o. o o o o

Dcposi ts of banks o o o o o o

Certified and officers' checks. etc.. o o

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

o o. o o

Other liabilities .

Capital notes and debentures ....... 0

Preferred stock ... o o o o o o o o

Common stock o o o

Surplus ............ o. o. o o. o

Undivided profits ....

Reserves o o o. o. o

1,196,247.97 889,843.89 109,552.04
185,87ti.82 None
4,340.84 None
None 9,588.55
None None 80,000.00 140,000.00 33,022.96 None

Total Liabilities ............ $ 2,648,473.07

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE BANK OF OCILLA Ocilla (Irwin), Ga.

As called for by the Superintendent of Banks

JACK WILLIS, President.
Date of Charter: 9-20-1956

R. 0. PAULK, Cashier.
Began Business: 10-1-1956

ASSETS

Cash, balances with other banks, and cash items in process of collection .. $
United States Government obliga-
tions, direct and guaranteed ..... . Obli~ations of States and political
subdivisions .................... . Securities of Federal agencies and
corporations not guaranteed by

345,415.41 439,370.00
17,440.o4

Otuh.esr. securities,corporatestocksand

199,968. 7:>

stock in Federal Reserve Bank ....

!\one

Loans and discounts, including over-

drafts ......................... . 1,328,831.64

Bank premises, furniture and fixtures,

and other assets representing bank

premises ....................... .

9,161.76

Real estate owned other than bank

premises ....................... .

9,194.72

CustomPrs' liability to this bank on

acceptances outstanding ........ .

None

Other assets ..................... .

5,'128.17

-----

Total Assets ..... , . , .. , . , .... , $ 2,35~,910.99

LIABILITIES

Demand deposits .............. $

Time and savings deposits ...... o

Deposits of U. S. Government o. o

Deposits of States and political sub-

divisions .... o. o. o. o o. o. o

Deposits of banks ..........

Certified and officers' checks, etc.. o.

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

o oo ooo o o

Other liabilities . o o. o

Capital notes and debentures. o o

Preferred stock ..

Common stock .

Surplus ..............

Undivided profits .....

Reserves o o o. o o.

1,200,491.33 730,578.:12 10,994.97
117,198.19 None
61,173.06 None
None 19,259.83
Nnne None 100,000.00 100,000.00 15,210.29 None

Total Liabilities ... $ 2,354,910.99

112

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE FIRST STATE BANK OF OCILLA Ocilla (Irwin), Ga.

As called for by the Superintendent of Banks

OTTO GRINER, President.
Date of Charter: 5-11-1943

E. J. PATTEN, Cashier.
Began Business: 6-1-1943

ASSETS

Cash, balanct.>s with other banks, and

cash items in process of collection .. $ 629,614.29

United States Government obliga-

tion~. direct and guaranteed ..... . I ,827,606.92

Obligations of States and political

subdivisions .................... .

44,136.53

Securities of Federal agencies and

corporations not guaranteed by

U.S........................... .

25,000.00

Other sr-curitit's, corporate stocks and

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts .......... ..... 2,067,555.23

Bank premises. furnitun and fixtures,

and ?thPr assets representing bank

premises .......................

JJ,577.56

Real estate owned other than bank

prt>miscs ....................... .

:Kane

Customers' liability to this bank on

acceptancf's outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . .

282.61

-----

Total Assets .................. $ 4,607.773.14

LIABILITIES
Demand deposits .................. $ Time and savings deposits ....... Deposits of U. S. Government ....,.. Deposits of States and political sub
divisions ....................... Deposits of banks ................ Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstand ing" ............... Othn liabilities ................ Capital notes and debentures ....... . Preferred stock .............. Common stock ................. . Surplus ......................... . Undivided profits ......... 0. o Reserves ....... o. o o. o o o

2,403.464.)7 1,3o6,.10i .85
44,675.70
321,340.48 Now
28,362.48 I" one
~one
None None None 100,000.00 200,0011.('0 82,G90.51 70,731.55

Total Liabilities ............... $ 4,607, 773. H

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF OGLETHORPE Oglethorpe (Macon), Ga.

As called for by the Superintendent of Banks

JOHN F. WILLIAMS, President.
Date of Charter: 2-5-1901

BLANCHE R. WILLIAMS, Cashier.
Began Business: 2-8-1901

ASSETS
Cash, balances with other banks. and cash item<; in process of collection.$
United Statf's Gov('rnment obligations, direct and guaranteed ..... .
Obli~ation<; of States and political subdivisions .................... .
Securities of Federal agencies and corporation!':> not guaranteed by U.S........................... .
Othf'r scn1ri ties, corporate stacks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank pr('mises, furniture and fixtures, and othf'r assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

697,960.89 318.278.50 150,965. 71
3'fl,9Ll0.00 None
1,254,959.81
13,0GO.OO 1.00
None 235,344.71 3,070,410.61

LIABILITIES

Demand deposits .................. $

Time and savings deposits . o o o o o

Deposits of U. S. Government ...

Deposits of States and political sub-

divisions ...... o o o

Deposits of banks .... o o. o o

Certified and officers' checks, etc. o. o

Other liabilities for borrowed money.

Acceptances executed by or for acM

count of this bank and outstand

in.e: . o 00 oo o o o o

Other liabilities

. ~. o. o o. o

o.

Capital notes and debentures .. o o.

Preferred stock o o o o o o

Common stock o o o o o. o

Surplus ............ o. o. o o

Undivided profits ............... ; .

Reserves . o o o o o. o. o o. o. o

1,105,142.65
1,077,584.~7
6,445.85
562,629.24 None
21,319.54 None
None 52,177.22
None None 60,000.00 40,000.00 124,686.53 20,424.61

Total Liabilities ............... $ 3,070,410.61

FORTY-SIXTH ANNUAL REPORT

113

---------------------------

STATEMENT

Showing condition at the close of business December 31, 1965, of
THE FARMERS BANK Palmetto (Fulton). Ga.

As called for by the Superintendent of Banks

JIMMY D. NeSMITH, President.
Date of Charter: 6-29-1918

C. C. ASTIN, Cashier.
Began Business: 7-10-1918

ASSETS

Cash balances with other banks, and ~a;h items in proC('SS of collcctio.n .. $

299,040.14

United States Government obliga-

tions, direct and guaranteed. .. : . . Obli~a~i?~s of States and poht1cal

605,848.05

subdtVISIOTIS , , , . , , , ,

17,921.95

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Other securities. corporate stocks and

None

stock in Federal Reserve Bank ....

25,000.00

Loans and discounts, including over-

drafts ......................... .

197,823.30

Bank premises, furniture and fixtures,

and other assets representing bank

premises .......................

Real estate owned other than bank

premises ......................

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other assets ..................... .

None

-------

Total Assets .................. $ 1,145,635.H

LIABILITIES
Demand deposits ... $ Time and savings deposits Deposits of U. S. Government ..... Deposits of States and political sub
divisions .............. o o Deposits of banks ... o Certified and officers' checks, etc... o Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstand ing . Other liabilities . Capital notes and debentures o Preferred stock ................ Common stock .. Surplus .. Undivided profits Reserves ........

572,047.34 213,659.48
5,009.10
144,436.88 50.000.00 34,094.21
None
None 3, 746.43
None None 50,000.00 50,000.fl0 2,642.1.!0 20,000.00

Total Liabilities ....... $ 1,145,635.44

STATEMENT

Showing condition at the close of bus'iness December 31, 1965, of

THE PATTERSON BANK Patterson (Pierce), Ga.

As called for by the Superintendent of Banks

FOSTER O'QUINN,
President. Date of Charter: 6-19-1907

LEOLA GRINER, Cashier.
Began Business: 6-19-1907

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 326,914.40

United States Government obliga

tions, direct and guaranteed ..... .

173,578.01

Obliga~i~'!s of States and political

subdtVlSIODS , , , , o , , o , , , o

None

Securities of Federal agencies and

corporations not guaranteed by

u.s........................... .

None

Other securities, corporate stocks and

.'itock in Federal Reserve Bank ...

None

Loans and discounts, including over

drafts ........................

2i0,011.21

Bank premises, furniture and fixtures,

and other assets representing bank

premises . o

4,897.40

Real estate owned other than bank

premises o

None

Customers' liability to this bank on

acceptances outstanding . o 0 o o

None

- - - - - - - - - Other assets . o o o o o

None

Total Assets $ 775.401.02

LIABILITIES
Demand deposits $ Time and savings deposits Deposits of U. S. Government Deposits of States and political sub-
divisions .. 0 0 0 0. 0. 0 0 0 0 0 0 0 0 Deposits of banks ........ Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
ing o o oo o Other liabilities Capital notes and debentures o
Preferred stock o o. o. o. o. o o Common stock .. Surplus ..... Undivided profits .. Reserves

407,419.76 113,826.23
5t12.00
157, 123.2i None
15,862.20 None
None None None None 25,000.00 40,000.00 15,665.ol None

Total Liabilities $ 775,-101.02

114

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of
TI:IE FAYETTE STATE BANK Peachtree City (Fayette), Ga.
As called for by the Superintendent of Banks

W. F. FARR, President.
Date of Charter: 1-31-1964

W. F. FARR, Cashier.
Began Business: 2-1-1964

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obliga!i?~s of States and political subdtvtstons ...........
Securities of Federal agencies and corporations not guaranteed h)
Otuh.esr. securities,corporatestocksand
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixtures,
and other assets representing bank
premises ............. Real estate owned other than bank
premises ....................... . Customers' liability to this bank on
acceptances outstanding ........ . Other assets ..................... .

439,956.46 613,592.60
28,062.96
150,181.49 None
Y77,162.15
17,149.10 None None 526.67

Total Assets . . . . . . . . . . . . . . . . . . $ 2,226,631.-13

LIABILITIES
Demand deposits ......... $ Time and savings deposits ... ... Deposits of U. S. Government .... Deposits of States and political sub-
divisions .............. Deposits of banks ................ . Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ..................... Other liabilities ............... Capital notes and debentures ....... . Preferred stock ............. Common stock ......... Surplus ....................... Undivided profits .......... Reserves .............. , ....

940,8.17.23 718,838.[J!
3,792.51
251,135.59 3,958.49 6,003.14 !'\one
None 76,56'!.83
Nor.e None 100,00fl.ro 100,000.00 25,476.63 None

Total Liabilities ............... $ 2,226,631.43

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE CITIZENS EXCHANGE BANK OF PEARSON Pearson (Atkinson), Ga.

As called for by the Superintendent of Banks

J. L. SUMMERLIN, President.
Date of Charter: 1-19-1943

ROBT. A. SUMMERLIN, Cashier.
BeganBusiness: 5-12-1945

ASSETS
Cash, balances with other banks, and
cash items in process of collection. $ United States Government obliga-
tions, direct and guaranteed...... Obli~a~i?f!S of States and political
subdiVIsions ............ Securities of Federal agencies and
corporations not guaranteed by U.S. .............. ............. Other securitic:'S, corporate stocks and stock in Federal Rc:'Sc:'rve Bank.... Loans and discounts, including over-
drafts .. .. .. .. . .. .. . .. .. .. .. .. .. Bank premises, furniture and fixtures,
and other assets representing bank
R~:ie~~~~~e. ~~~~d. ~f:h~; ih~~- 'b~~k
premises ............... ... . Customers' liability to this bank on
acceptances outstanding . . . . . . . . . Other assets ..................... ,

615,338.55 1,086,717.96
None
N<'ne None 631,707.18
Z,OOS. 75 None None None

Total Assets .................. $ 2,335,769.44

LIABILITIES
Demand deposits .................. $ Time and savings deposits . Deposits of U. S. Government .... DeJ:?O~i!s of States and political sub-
divisions .........
Deposits of banks ............... .. Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ..................
Other liabilities ................. .. Capital notes and debentures .....
Preferred stock ...... Common stock ..
Surplus ...........
Undivided profits ................ . Reserves ..........

841,216.38 818,714.62
37,004.35
435,146.30 None
25,508.15 None
None 14,867.66
None None 50,000.00 50,000.00 53,311.98 10,000.00

Total Liabilities ............... $ 2,335,769.44

FORTY-SIXTH ANNUAL REPORT

115

STATEMENT

Showing condition at the close of business December 31, 1965, of

FARMERS BANK OF PELHAM Pelham (Mitchell), Ga.

As called for by the Superintendent of Banks

RICHARD S. NORMAN,
President. Date of Charter: 8-25-1902

R. ::lTEVE TAYLOR, Cashier.
Began Business: 9-1-1902

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obliga~ tions, direct and guaranteed ..... .
Obliga~i<;n~s of States and political
subdtV1SIOllS , , , , ,
Securities of Fcdcral agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Fl:'deral Reserve Ban\t ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furnitutc and fixtures, and other assets representing bank
premises ....................... Real estate owned other than bank
premises ....................... . Customers' liability to this bank on
acceptances outstanding ........ . Other assets ..................... .

460,014.54 955,853.49
99,002.33
600,081.62 None
2,563,016.64
27,242.82 None None
27,510.05

Total Assets .................. $ 4,732,721.49

LIABILITIES
Demand deposits .................. $ Tin1e and savings deposits ........ . Deposits of U. S. Government ..... Deposits of States and political sub
divisions ................ Deposits of banks ......... Certifit>d and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstanding ............. Other liabilities .................. . Capital notes and debentures ....... . Preferred stock ............... Common stock ..... Surplus ....................... Undivided profits ................ . Reserves .........

1,915,293.48 1,427,826.95
31,843.13
783,688.31 None
16,903.74 None
None 82,161.77
None None 150,000.00 150,000.00 175,004.11 None

Total Liabilities .............. $ 4,732,721.49

STATEMENT

Showing condition at the close of business December 31, 1965, of

PELHAM BANKING COMPANY Pelham (Mitchell), Ga.

As called for by the Superintendent of Banks

DR. J. C. BRIM,
President. Date of Charter: 12-4-1936

WENDELL A. ADAMS,
Cashier. Began Business: 12-8-1936

ASSETS
Cash, balancC's with other banks, and cash items in process of collection . $
United States Government obliga tions. direct and guaranteed ..... .
Obligations of Stat"s and political subdivisions .................... .
Securities of Fnleral agencies and corporations not guaranteed by U.S........................... .
Other srcurities, corporate stocks and stock in Federal Reserve Bank ....
Loam: and discounts, including overdrafts ......................... .
Bank pnmises, furniture and fixtures, and other assets representing bank premises .................... o.. .
Real estate owned other than bank premises ........ o......... o.... .
Customers' liability to this bank on acceptances outstanding ....... o.
Other assets .... o....... o........ o

404,432.21 1,112,990.88
260.774.'12
100,00tl.ll0
N11IlC
2,155,244.64
25,140.10 1.00
Non' 46,480.42

Total Assets .................. $ 4,105,464.47

LIABILITIES

Demand deposits .............. $

Time and savings deposits .....

Deposits of U. So Government .....

Deposits of States and political sub-

divisions ......................

Deposits of banks ..........

Certified and officers' checks, etc....

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

.. o o

Other liabilities ...... o..........

Capital notes and debentures ..... o..

Preferred stock ................. .

Common stock ...

Surplus ... o. o....... o...........

Undivided profits ...........

Reserves ............... o

1,556.018.60 1,446,624.88
28,015.13
532,184.24 None
21,865.44 None
Konc None None None L'iO,OOO.OO 300.000.00 54,445.66 16,310.52

Total Liabilities ......... $ 4,105,464.47

116

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE PEMBROKE STATE BANK Pembroke (Bryan), Ga.

As called for by the Superintendent of Banks

H. B. WARNELL, President.
Date of Charter: 12-29-193'i

E. B. MILES, Cashier.
Began Busineu: 2-11-1938

ASSETS

Cash, balances with other banks, and cash items in process of collection.$
United States Government obliga~
tions, direct and guaranteed ..... . Obliga~i?I?S of States and political

477,739.70 888,525.50

subdtVISIOllS , , , , , , , , ,

32,500.00

Securities of Federal agencies and

cuo.rsp.o.r.a.t i.o.n.s. .n.o. t. . .g.u.a.r.a.n. .t e. .e.d. . .b y.

None

Other securities, corporate stocks and

stock in Federal Reserve Bank .... Loans and discounts, including over-

None

drafts ......................... .

9'12,293.45

Bank premises, furniture and fixtures,

and other assets representing bank

premises .......................

69,234.31

Real estate owned other than bank

premises ....................... .

2,500.00

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets ...................... _ _ _2_9.:.,7_5_6_._38

Total Assets .................. $ 2,442,549.34

LIABILITIES
Demand deposits ........... $ Time and savings deposits ........ . Deposits of U.S. Government ...._.. Deposits of States and political sub~
divisions ...................... Deposits of banks ................ Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac~
count of this bank and outstanding ............ Other liabilities .................. Capital notes and debentures ....... . Preferred stock ................ Common stock ................. . Surplus ....................... Undivided profits ................ . Reserves ...............

I ,050,409.32 823,576.17 25,051.18
249,009.42
Non~
27,887.77 Nnno
None 72,568.46
None Kone 75,000.00 80,000.00 39,047.02 Nono

Total Liabilities ...... $ 2,442,549.34

STATEMENT Showing condition at the close of business December 31, 1965, of
PERRY LOAN & SAVINGS BANK Perry (Houston), Ga.
As called for by the Superintendent of Banks

G. OGDEN PERSONS, II, President.
nate of Charter: 8-20-1889

M. M. DEAN, Cashier.
Began Business: 1889

ASSETS

Cash, balances with other banks, and cash items in process of collection .. $
United States Government obliga-
tions, direct and guaranteed ..... . Obli~a!i?J?-S of States and political
subdiVISIOns , . , , ...... , , , , . , . , .. . Securities of Federal agencies and
corporations not guaranteed by
U.S........................... . Other St'Curities, coroorate stocks and
stock in Federal Reservt' Bank ....
Loans and discounts, including over-

987,978.45 1,826,444.98
446,375.22
None None

drafts ................. 2,852,335.35

Bank premises, furniture and fixtures,

and other assets representing bank

premises ....................... .

75,000.00

Real t'state owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . .

19,542.51

-----

Total Assets .................. $ 6,207,676.51

LIABILITIES
Demand deposits ..... $ Time and savings deposits ....... Deposits of U. S. Government ..... Deposits of States and political sub-
divisions ...................... Dcpo.si ts of hanks ............. Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding- ........... Other liabilities ................ Capital notes and debentures ..... Preferred stock .......... Common stock ........ Surplus ......................... Undivided profits ............. Reserves ......................

2,773,451.06 1,494,432.16
78,908.62
1,080,585. 74 l\Tonc
16/>36.1Jl
~m-.e
None 65,710.00
:'\one X one 20il.OII0.(;0 200,000.00 298,052.92
~one

Total Liabilities .... $ 6,207,676.51

FORTY-SIXTH ANNUAL REPORT

117

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF PINEHURST Pinehurst (Dooly), Ga.

As called for by the Superintendent of Banks

ALTON P. DRAUGHON, President.
Date of Charter: 1-1-1908

ALTON P. DRAUGHON, Cashier.
Began Business: 1904

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed......
Obli~a~i?~s of States and political subdiVls!Ons . . . . . . . . . . . . . . . . . . . . .
Securities of Federal agencies and corporations not guaran te cd by u.s. . . . . . . . . . . . . . . . . . . . . . . . . . . .
Other securities, corporate stocks and stock in Federal Reserve Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premist:'s, furniture and fixtures, and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .
Total Assets .................. $

349,177.78 219,670.75 25,000.00
150,000.00 None
651,356.02
10,028.03 None None None
1.405,232.58

LIABILITIES

Demand deposits ......... $

Time and savings deposits . o o o o o o

Deposits of U. S. Government ..... .

Deposits of States and political sub-

divisions .......................

Deposits of banks ................

Certified and officers' checks, etc....

Other liabilities for borrowed monev.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

o ooo o o o o 0

Other liabilities ...... o

Capital notes and debentures ....... .

Preferred stock ................. .

Common stock ... o o o o.

Surplus .........

Undivided profits ................ .

Rcso:?rves

o. o o o. o. o o o o

900,326.66 265,232.37
2,529.%
63,703.46 None
46,565.90 None
None 18,374.23
None None 25,000.00 25,000.00 58,500.00 None

Total Liabilities ........ $ 1,405,232.58

STATEMENT Showing condition at the close of business December 31, 1965, of
FARMERS AND MERCHANTS BANK Pine Mountain (Harris), Ga.
As called for by the Superintendent of Banks

ROY ASKEW, President.
Date of Charter: 3-22-1909

W. K. JENKlNS, Cashier.
Began Business: 4-19-1909

ASSETS
Cash, balances with other banks. and cash items in process of collection..
United States Government obligations, direct and guaranteed......
Obligations of States and political subdivisions . . . . . . . . . . . . . . . . . . . .
Securities of Federal agencies and corporations not guaranteed by u.s. .. .. . . .. . .. .. .. .. .. .. . . .. .
Other securities, corporate stocks and stock in Federal Reserve Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtures, and other assets representing bank premises . .
Real estate owned other than bank premises . .. . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding ... o o
Other assets o o o o

$ 615,127.96 1,121,116.26 268,672.80
249,906.25 !\'one
1,264,460.99
89,574.77 I ,500.00
~one
:\.rone

Total Assets ............ $ 3,610.3cJ9.03

LIABILITIES

Demand deposits . $

Time and savings deposits . o

Deposits of U. S. Government ....

Deposits of States and political sub-

divisions ........... o. o. o o

Deposits of banks o o o o o o

Certified and officers' checks, etc....

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

1ng

o o. o o o o. o. o

Other liabilities o o

Capital notes and debentures ....... .

Preferred stock .. , ............ o

Common stock . o o o

Surplus ..............

Undivided profits ......

Reserves . o o

1,401,853.87 1,157,590.08
3,642.95
668,664.09 None
18,765.20 None
None
~one
None None 100,000.00 100,000.00 159,842.84 None

Total Liabilities .... $ 3,610,359.03

118

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

PITTS BANKING COMPANY Pitts (Wilcox), Ga.

As called for by the Superintendent of Banks

A. C. SHELL, President.
Date of Charter: 6-2-1906

ED.WIN W. SHELL, Cashier.
Began Business: 6-1906

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 274,129.72

United States Government obliga-

tions, direct and guaranteed ..... . Obli~a!i'?'!' of States and political

275,800.00

subdtVlSIOllS , , ,

None

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Other securities, corporate stocks and

230,000.00

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts ......................... .

211,956.91

Bank premises, furniture and fixtures,

and other assets representing bank

premises ....................... .

701.00

Real estate owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other assets ..................... .

None

----

Total Assets ................. $ 992,587.63

LIABILITIES
Demand deposits ............. $ Time and savings deposits ........ . Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ................... Deposits of banks ....... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin~ ........................ Other liabilities ................ Capital notes and debentures ....... . Preferred stock ................ . Comn1on stock ............... Surplus ........................ Undivided profits ............ Reserves .....................

444,333.64 331,968.09
2,312.84
116,271.04
~one
3,054.46 None
None Nono None None 25,000.00 25,000.00 15,000.00 29,647.56

Total Liabilities ...... $ 992,587.63

STATEMENT Showing condition at the close of business December 31, 1965, of
THE BANK OF QUITMAN Quitman (Brooks), Ga.
As called for by the Superintendent of Banks

JESSE F. JONES, President.
Date of Charter: 12-26-1888

A. C. LOWE, Cashier.
Bel!"an Business: 12-31-1888

ASSETS
Cash, balanc~s with other banks: and cash itt"ms In process of collect10!1 . $
United States Government obhgations, direct and guaranteed .... : ..
Obli..a~i'?'!' of States and political subdtVISIOns ..... , ... , , , , . , ..
Securities of Federal agencies and cornorations not guaranteed by
Otuh.esr. securities,cornoratestocks and
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts .................. Bank premises, furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets .....................
Total Assets ..................$

690,153.89 I, 173,911.88
310,746.40
None None 1,433,208.15
24,398.17 None None None
3,632,418.49

LIABILITIES
Demand deposits ....... $ Time and savings deposits ....... Deposits of U. S. Government ..... . Deposits of States and political sub
divisions .............. Dcposi ts of banks .... Certified and officers' checks, etc... Other liabilities for borrowed monPy. Acceptances executed by or for ac-
count of this bank and outstanding .................... Other liabilities ... Capital notes and debentures ...... Preferred stock ........... Common stock ....... Surplus .................. Undivided profits ............ Reserves .................

1,846,857.21 1,003,545.05
20,951.61
318,944.53 15,194.17 2,628.57 None
None 20,509.40
None None 100,000.00 100,000.00 103.787.95 100,000.00

Total Liabilities .......... $ 3,632,418.49

FORTY-SIXTH ANNUAL REPORT

119

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE TALLNALL BANK Reidsville (Tattnall), Ga.

As called for by the Superintendent of Banks

RALPH HUCKABEE, President.
Date of Charter: 9-14-1900

E. B. REGISTER, Cashier.
Began Business: 10-22-1900

ASSETS
Cash, balances with otht'r banks. and cash items in process of collection.$
United States Government obliga tions, direct and guaranteed ..... .
Obli~a~i<_>~s of States and political
subdtVISIOllS , , , , , , ,
Securities of Federal agencies and cornorations not guaranteed by
Otuh.esr. securities,cornoratcstocksand
stock in Fcderal Reserve Bank .... Loans and discounts, including over
drafts ................... Bank premises, furniture and fixtures,
and other assets representing bank premises ................ Real estate owned other than bank premises ................. Customers' liability to this bank on acceptances outstanding ........ . Other assets ................... o
Total Assets .................. $

461,500.00 971,250.86 276,495.99
100,000.00
~one
1,676, 777.83
112,628.84 1.00
None 2,585.57 3,601,240.09

LIABILITIES
Demand deposits . . . . $ o o o o o. Time and savings deposits o o. o o Deposits of U. S. Government o o. Deposits of States and political sub-
divisions o o. o o o o 0 0 Deposits of banks ................ 0 Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding .......... o o o o o. o. o o oo 0 Other liabilities ...... Capital notes and debentures ....... . Preferred stock ... o o Common stock .. o o. o o o Surplus ................. o o Undivided profits ....... Reserves . o o o o o o. o o o o. o o o o. o

1,626,232.59 1,104,019.19
31,940.92
414,176.46 46,589.50 18,633.19 None
None None None None 100,000.00 200,000.00 59,648.24 None

Total Liabilities ............... $ 3,601,240.09

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE RENTZ BANKING COMPANY Rentz (Laurens), Ga.

As called for by the Superintendent of Banks

MRS. 0. D. BARRON, President.
Date of Charter: 5-2-1914

MRS. 0. D. BARRON,
Cashier. Began Business: 5-5-1914

ASSETS

Cash, balances with other banks, and cash items in process of collection.$
United States Government obligations. direct and guaranteed ..... .
Obliga~i<:n~s of States and political subdiVISIOnS , ...... , . , , ..... , ... .
Securities of Federal agencies and
cuo.rsp.o.r.a.t i.o.n.s. .n.o. t. . .g.u.a.r.a.n. .t e. .e.d. . .b y.
OthPr securities, corporate stocks and stock in Ft'deral Reserve Bank ....
Loans and discounts, including over-
drafts ................... Bank premises, furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank premises ................... o. o Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .

435,440.92 359,070.31
None
None Konc 684,395.68
1,401.94 3,505.00
None None

~----
Total Assets . , ..... , .......... $ 1,483,813.85

LIABILITIES
$ Demand deposits . o o o. o o Time and savings deposits o o o Deposits of U. S. Government ..... Deposits of States and political sub-
divisions . o o o. Deposits of banks o o. o o o. o. o. o o Certified and officers' checks, etc. o Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ........ o. o o o o Other Iiabili ties ..... , .......... Capital notes and debentures ....... . Preferred stock ..... Common stock 0 0 0 0 o o o o Surplus ....... o o. o o o o. Undivided profits . o o o o o Reserves o o o o. o o o

769,040.79 377,702.10
2,585.17
202,695.91 None None None
None None None None 50,000.00 50,000.00 21,789.88 10,000.00

Total Liabilities ........... $ 1,483,813.85

120

DEPARTMENT OF BANKIKG

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE CITIZENS STATE BANK Reynolds (Taylor), Ga.

As called for by the Superintendent of Banks

W. H. VAN LANDINGHAM, President.
Date of Charter: 9-8-1922

EARL A. SMITH, Cashier.
Began Business: 9-8-1922

ASSETS
Cash, balances with other banks. and cash items in process of collection .. $
United States Government obligations, direct and guaranteed .... : ..
Obli~a~i~~s of States and polJtical
subdtVlSIOllS . , , , , , , ,
Securities of Federal agencies and corporations not guaranteed by.
Otuh.esr. securities,corooratestocksand
stock in Ff'deral Reserve Bank .... Loans and discounts, including over-
drafts ................... . . Bank premises, furniture and fixtures,
and other assets representing bank
pr('mises ................. Real estate ownC'd other than bank
premises ....................... . Customt'rs' liability to this bank on
acceptances outstanding ........ . Other assets ..................... .
Total Assets .................. $

702,472.59 343,742.97 294,060.59
None
~one
I ,959.948.49
7,120.13 10,634.92
None 5,947. 75 3,323,927.44

LIABILITIES
Demand deposits ................ $ Time and savings deposits ........ . Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ....................... . Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ................. Other liabilities .................. . Capital notes and debentures ....... . Preferred stock ................ . Common stock ................. . Surplus ......................... lJ ndividcd profits ............. Reserve3 .................... , ...

1,170,388.91 1,284,564.76
17,512.83
375,132.09 120,416.27 24,373.37
!'\one
X one 6,000.00
Kone
~one
100,000.00 100,000.00 25,000.UO 100,539.21

Total Liabilities ... , ..... $ 3,323,927.44

STATEMENT

Showing condition at the close of business December 31, 1965, of

WILLIAMS BANKING COMPANY Rhine (Dodge), Ga.

As called for by the Superintendent of Banks

R. J. STUDSTILL, President.
Date of Charter: 8-4-1947

MARJORIE H. STUCKEY, Cashier.
Began Business: 10-1-1947

ASSETS
Cash, balances with othcr banks,_ and cash items in proccss of collectw.n. $
United States Government obligations, direct and guaranteed .....
Obli~ations of States and political subdivisions ...............
Securities of Federal agencies and corporations not guaranteed by U.S. ...... .... .... .............
Other securities, corporate stocks and stock in Federal Reserve Bank....
Loans and discounts, including overdrafts ..................... . .
Bank premises, furniture and fixtures, and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .
Total Assets ..................$

130,112.06 682,467.31
~Oil('
None None 197,604.41
720.75 None None ::'J"one 1,010,904.53

LIABILITIES
Demand deposits ........ $ Time and savin~s deposits ........ Deposits of U. S. Government ... Deposits of States and political sub-
divisions ................... Deposits of banks ........... , Certifif'd and officers' checks, etc... Other Iiabili tics for borrowed money. Acceptances executed by or for ac~
count of this bank and outstand~ ing ............. Other liabilities ........... , .. Capital notes and debentures ....... .
Preferred stock .......... Common stock ....... Surplus ......................... . Undivided profits ........... Reserves ........................

422,654.24 353,949.15
940.81
70,078.37 None
2,419.49 None
None None Nono None 25,000.00 75,000.00 60,862.47
!'Ion~

Total Liabilities ..... $ 1,010,904.53

FORTY-SIXTH ANNUAL REPORT

121

STATEMENT

Snowing condition at the close of business December 31, 1965, of

RICHLAND BANKING COMPANY Richland (Stewart), Ga.

As called for by the Superintendent of Banks

E. W. PARISH, SR., President.
Date of Charter: 10-13-1927

E. W. PARISH, JR., Cashier.
Began Business: 10-16-1927

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations. direct and guaranteed ..... .
Obliga~i?~s of States and political
subdtVISIOTIS , , ,
Securi ties of Federal agencies and
cuo.rsp.o.r.a t.i.o.n.s. .n.o.t. . .g.u.a.r.a.n. .t e. .e.d. . .b y.
Other securities, corporate stocks and stock in FPdcral Reserve Bank ....
Loans and discounts, including overdrafts .........................
Bank premises, furniture and fixtures, and other assets representing bank premises .......................
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

269,060.17 472,489.04
14,891.58
None 395,960.99
13,207.00 None Kone
1.976.00 1,677,116.03

LIABILITIES
Demand deposits ........ $ Time and savings deposits .. oo. oo. Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions o......... o.......... 0 Deposits of banks ... o... o. o...... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
0. 0. 0. ing . o. o
Other iiabili ties o o o. Capital notes and debentures ....... .
Preferred stock 0 Common stock . oo. oo.... Surplus ......... Undivided profits o. o. ResPrves .. o... o. oo. ooo. o. o..

787.200.82 443,096.42
18,831.42
243,747.23 31,043.17
3,196.97 None
None None None None 40,000.00 60,000.00 50,000.00
~one

Total Liabilities ............... $ 1,677,116.03

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF RINGGOLD Ringgold (Catoosa), Ga.

As called for by the Superintendent of Banks

HERMAN B. TUCKER, President.
Date of Charter: 8-26-1904

AMALEE C. YATES, Oashier.
Began Business: 8-1904

ASSETS

Cash, balances \\ ith other banks. and

cash items in process of collection .. $

United States Government obliga-

tions, direct and guaranteed ... o..

Obliga~i<_>!!s of States and political

subdiVISJODS o , o , , , , , , , , , ,

Securities of Federal agencies and

corporations
u.s ........

not
....

guaranteed
.............

.

.by.

Other securities, corporate stocks and

'itock in Federal Reserve Bank ....

Loans and discounts, including over-

drafts ......................... .

Bank premises, furniture and fixtures,

and ?ther assets representing bank

premises .

Real estate owned other than bank

premises o...

Customers' liability to this bank on

acceptances outstanding .. ooo.

Other assets ...... o. o... o o.

1,071,237.43 1,366,869.32
172,099.28
479,746.75 Konc
1.29U,l95.51
14,023.02 35,001.00
None 2,220. 75

Total Assets ..... $ 4,439,393.06

LIABILITIES
Demand deposits $ Time and savings deposits . Deposits of U. S. Government ...
Ddi~f~J~n~f. ~:~~es aon~. :~~i~:coal ~~~~~
Deposits of banks ............ Certified and officers' checks. etc.... Other liabilities for borrowed money. Acceptances executed by or for ac~
count of this bank and outstanding ......... o o Other liabilities .. , Capital notes and debentures ....... .
Preferred stock .. o............. . Common stock o. o. o. o S).lrplus ................. Undivided profits .. Reserves ..

1,821,219.13 I ,493,458.03
49,425.37
760,214.18 None
9,788.52
~one
None 755.10 l\"onC' Non(' IOO.Ofill.'lil 150,0110.110 54,532.73
None

Total Liabilities ...... $ 4,439,393.06

122

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE CRAWFORD COUNTY BANK Roberta (Crawford), Ga.

As called for by the Superintendent of Banks

C. R. AVERA, President.
Date of Charter: 1-7-1901

J. E. CLARK, Cashier.
Beg;an Business: 1-8-1901

ASSETS

Cash, balances with other banks, and

cash items in process of collection.$

United States Government obliga-

tions, direct and guaranteed. . . . . .

Obliga~i?~s of States and political

subdiVIsiOns . . . . . . . . . . . . . . . . . . . . .

Securities of Federal agencies and

cuo.rsp. o

ra.t.i.o.n.s..

n..ot.

..g.u. a..r.a.n.t.e.e.d. .

b
..

y
.

Other securities, corporate stocks and stock in Federal Reserve Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtures,
and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .

Total Assets .................. $

259,181.97 330,257.48
43,186.74
319,712.50 Non('
374,449.65
4,831.07 None None None
1,331,619.41

LIABILITIES

Demand deposits . o $ o o o o o. o o o o 0

Time and savings deposits .. :. 0 0 0. 0

Deposits of U. S. Government ... o

Deposits of States and political sub-

divisions . o o o o. o o. o o. o. o. o. o

Deposits of banks ...........

Certified and officers' checks, etc....

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstando

ing

. o. o. o. o o o 0 0. 0. 0. 0

Other liabilities . o o o o o 0. 0

Capital notes and debentures ....... .

Preferred stock . o o o 0

Comn1on stock o o o o o o o o ,

Surplus ............. o. o o o. o

Undivided profits ..... 0 0

ReserYes ............ o oo o o. o.

558,829.50 328,436.12
~one
316,569.57 None
18,766.25 None
None 5,000.00
None None 50,000.00 50,000.00 4,017.97 None

Total Liabilities ......... $ 1,331,619.41

STATEMENT

Showing condition at the close of business December 31, 1965, of

ROCHELLE STATE BANK Rochelle (Wilcox), Ga.

As called for by the Superintendent of Banks

MATT W. ESTES, President.
Date of Charter: 7-8-1947

MA'IT W. ESTES, Cashier.
Began Business: 8-1-1947

ASSETS
Cash, balanc's with other banks, and cash items in process of collection. $
United States Government obligations, direct and guaranteed ..... .
Obliga!i?'!S of States and political subdiVISIOns . , . , . , . , . , . , ,
Securities of Federal agencies and corporations not guaranteed by U.S........................... .
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises. furniture and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ........ o
Total Assets ................ :$

686,802.26 359,405.62
30,653.59
282,037.15 None
481,152.59
6,884.10 None None None
I ,846,935.31

LIABILITIES
Demand deposits .......... $ Time and savings deposits ...... , Deposits of U. S. Government .. o. o. DeJ?O~i~s of States and political sub-
dtvisions ...... o. o o. oo o. Deposits of banks . oo o
Certified and officers' checks, etc. o.
Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ........... o o o. o o o Other liabilities .................. . Capital notes and debentures .... o.. . Preferred stock ........ o o o Common stock o o o. o. o. o o o o. o Surplus ...................... Undivided profits .... o o ._., o. o. Reserves .......... o o o o o o o.

888,620.41 446,520.24
22,741.94
331,807.12 None
5,144.14 None
None 9,129.53
None None 50,000.00 50,000.00 42,971.93 None

Total Liabilities ............... $ 1,846,935.31

FORTY-SIXTH ANNUAL REPORT

123

STATEMENT Showing condition at the close of business December 31, 1965, of

THE ROCKMART BANK Rockmart (Polk), Ga.

As called for by the Superintendent of Banks

GEO. H. SCOTT, President.
Date of Charter: 10-30-1900

JAMES E. WHITE, Cashier.
Began Business: 1900

ASSETS

Cash, balances with other banks, and cash items in process of collectio.n .. $
United States Government obliga-
tions, direct and guaranteed..:.. Obligations of States and pohtical

subdivisions .............

Securities of Federal agencies and

cuo.rsp.ora.t.io..n.s.

.n. o..t

..g.u. a..ra..n.t.e.e. d..

by
.. .

Otht'r securities, cornorate stocks and

stock in Federal Reserve Bank....

Loans and discounts, including over-

drafts . . . . . . . . . . . . . . . . . . . . . . . . . .

Bank pnmises, furniture and fixtures,

and other assets representing bank

premises . . . . . . . . . . . . . . . . . . . . . . . .

Real estate owned other than bank

premises . . . . . . . . . . . . . . . . . . . . . .

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

Other assets .. .. .. .. .. .. .. .. .. .. ..

538,499.05 1,415,271.83
607,100.85
170,012.50 None
4,108,210.38
143,913.40 !\one :r\ono fiG.!!

Total Assets .................. $ 6,983,074.12

LIABILITIES
Demand deposits .................. $ Time and savings deposits ...... Deposits of U. S. Government .... Deposits of States and political sub
divisions ................. Dcposi ts of banks .............. Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances t>xecuted by or for ac
count of this bank and outstand ing .................... Other liabilities ... o ... o o o Capital notes and debentures ....... . Preferred stock ................ . Common stock ................ Surplus ....................... Undivided profits ............... .. Reserves ................ o o

2,388,876.80 3,642,384.1>9
165,201.92
181,182.52 None
8,747.30 None
None 54,784.98
None None 150,000.00 150,!:00.00 213,597.47 28,2Y8.44

Total Liabilities .............. $ 6,983,074.12

STATEMENT Showing condition at the close of business December 31, 1965, of
THE ROME BANK AND TRUST COMPANY Rome (Floyd), Ga.
As called for by the Superintendent of Banks

J. B. DODD, JR.,

WALLACE C. REED,

President.

Cashier.

Date of Charter: 4-5-1945

Began Business: 10-1-1945

---~---.~=-==================

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obli~ations of States and political subdivisions ....................
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,corporatestocksand
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises. furniture and fixtures,
and other assets representing bank premises ....................... . Real t"State owne-n--'>other than bank premises .. : . ...~.-.- .............. .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

I ,427,598.59 4,152,943.27 l ,919,425.30
200,000.00 \il,IIOO.CO
4,59~,780.13
231,909.25 None None
')2,314.10

LIABILITIES
Demand deposits ................ $ Ti1ne and savings deposits .. o Deposits of U. S. Government ... Deposits of States and political sub
divisions ..................... Deposits of banks ............ Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstand ing" Other liabilities ................ Capital notes and debentures ....... . Preferred stock o o o o o o Common stock o o. Surplus ............ o Undivided profits .......... o o. Reserves ...... o o

4,884,336.51 5,081,983.96
262,317.65
1,155,934.72 26,811.13 105,562.95 None
None None None None 352.000.00 200,000.00 2,510.35 515,513.37

Total Assets .................. $ 12/J86,9iO.fi4

Total Liabilities ....... $ 12,586,970.64

124

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

ROSSVILLE BANK Rossville (Walker), Ga.

As called for by the Superintendent of Banks

JAS. H. PALMER, President.
Date of Charter: 7-1-1963

DAVID M. HOUSEND, Cashier.
Began Business: 12-13-1963

ASSETS
Cash, balances with other banks. and cash items in process of collectio!l .. $
United States Government obhgations. direct and guaranteed ..... .
Obli~aii?~s of States and political
subdJVISIOllS , , , , , , ,
Securities of Federal agencies and coroorations not guaranteed by
Otuh.esr. securities,corooratestocksand
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ......................... Bank premises, furniture and fixtures,
and other assets representing bank premises .................... Real estate owned other than bank premises ................. o. o o o. Customers' liability to this bank on acceptances outstanding .... o Other assets .................

562,170.71 1,161,563.37
None
None Konc 1,669,143.30
143,093.02 None None
15,186.22

Total Assets .................. $ 3,551,156.62

LIABILITIES
Demand deposits .................. $ Time and savings deposits ~ o o. o Deposits of U. S. Government o. o Deposits of States and political sub-
divisions . o. o o o Dcposi ts of banks . o
Certified and officers' checks, etc .. o.
Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding .... o o 00 00 o ooooo o Other liabilities ..... o o o. o o Capital notes and debentures ..... Preferred stock o Common stock .......... 0 Surplus ......... o. o o Undivided profits .. o o Rcscrve3 ... o o o o o o o

1,436,558.47 1,223,441.27
91,076.67
314,645.95 None
34,090.31 None
None 114,332.99
None None 250,000.00 50,000,00 37,010.96 None

Total Liabilities ............... $ 3,551,156.62

STATEMENT

Showing condition at the close of business December 31, 1965, of

ROSWELL BANK Roswell (Fulton), Ga.

As called for by the Superintendent of Banks

WALTER A. EAVES, President.
Date of !Jharter: 3-1-1901.

PIERCE T. )';EESE,
Cashier. Began Business: 3-1901

ASSETS
Cash, balances with other banks, and cash items in process of collection . $
United States Government obligations. direct and guaranteed ..... .
Obli~a~i<;n:as of States and political subdJVISIOns ....... , . , , , , ....... .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Othf'r securities. coroorate stocks and stock in Federal Reserve 'Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premi~e~. furniture and fixtures, and other aso;;ets represf'nting bank prcmisf'S ....................... .
Real estate mvned other than bank premises ....................... .
Customf'rs' liabilitv to this bank on acceptanc<'s onts:tandin~ ........ .
Other assC'tS ..................... .

1,581,504.00 2,432,401.94
796,352.64
150,081.25 None
6.101.070.113
99,280, i6 None Non'
34.994.95

Total Assets . , ..... , . , ...... $ 11,195.685.:>7

LIABILITIES
$ Demand deposits . o o o o o o o o o. o o Time and savin~s deposits ..... Deposits of U. S. Government o Deposits of States and political sub~
divisions ............. Deposits of banks o o o Certified and officers' checks, etc.. o Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
ing ...... o. oo o o. o Odwr liahilities ............ o o Capital notes and debentures ......
PreftrrC'd stock . o o o Common stock . o Surplus ................. Cndivided profits .... o. o o Rf'serves ................

3,988.334. 78 4, 723.226.119
100,280.50
611,263.55 621,082.68 132,183.41
~one
Kone 159,314.56
None :I\ one 150,000.00 35ll.OC:O.OO 50.000.00 310,0(J(J.00

Total Liabilities oo$ 11,195,685.57

FORTY-SIXTH ANNUAL REPORT

125

STATEMENT

Showing condition at the close of business December 31, 1965, of

TRI-COUNTY BANK OF ROYSTON Royston (Franklin), Ga.

As called for by the Superintendent of Banks

LAWSON McCONNELL, President.
Date of Charter: 8-9-1941

JOE E. RIDGWAY, Cashier.
Began Business: 9-1-194l.

ASSETS
Cash, balances with other banks, and cash itt'ms in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obliga!i<;~s of States and political
subdtVISIOTIS , , , , ,
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises. furniture and fixtures, and other assets representing bank premises ....................... .
Real e-state owned other than bank premises ................
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

720,941.15 1,328,445.30 1,094,634.86
!\one None 1,810,167.96
9,382.00 58,400.00
NonP 4,239.86

Total Assets .................. $ 5,026,211.13

LIABILITIES
Demand deposits ...... , , ...... $ Time and savings deposits .. Deposits of U. S. Government ..... . Deposits of States and political sub
divisions .................... Deposits of banks ................ Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ... Other iiabilities .................. . Capital notes and debentures ....... . Preferred stock ................. Common stock ........... Surplus ..... Undivided profits ................ . Res~rves ..........

2,266,937.45 2,093,459.98
28,221.90
238,104.55 None 85.75 None
None 28,566.23
None None 100,000.00 150,000.00 120,8:l'i.27 None

Total Liabilities ............... $ 5,026,Zll.l3

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF RUTLEDGE Rutledge (Morgan), Ga.

As called for by the Superintendent of Banks

J. M. GRIFFIN, President.
Date of Charter: 9-24-1898

W. E. OXFORD, Cashier:
Began Business: 10-1-1898

ASSETS

Cash, balances with other banks. and

cash items in process of collection .. $

United States Government obliga-

tions, direct and guaranteed ..... .

Obliga.ti?'!-s of States and political

subdiVlSIODS . , , . , ... , , . , . , , , , , ..

Securities of Federal agencies and

corporativns
u.s . . . . . . .

,n.o.t. .g.

.u.a.

rant
.....

e
.

.e.d.

.

.by.

Other securities, corporate stocks and <; tock in F cderal Resf'rve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures. and other assets representing bank premises ..
Real estate owned other than bank premises .....
Customers' liability to this bank on acceptances outstanding .....
Other assets .....................

Total Assets .................. $

157,251.02 473,709.44
17,180.52
189,851.57
~one
878,990.11
1,550Si None None None
1,718,533.21

LIABILITIES
Demand deposits , ...... , , , , .. , , $ Time and savings deposits . Deposits of U. S. Government ... Deposits of States and political sub-
divisions ......................
Deposits of banks ................ Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstanding ... Other liabilities ~ Capital notes and debentures ....... . Preferred Hock ............ , , .. Comrnon stock ........ Surplus .................. undivided profits ................ . Reserves ...

591,936.04 687,195.88
6.3tiH3
242,/110.32 None
2,684.18
~one
None None None None 50,000.00 50,000.00 81,5C13.15 6,098.76

Total Liabilities ....... , ....... $ 1,718,533.21

126

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

ST. MARYS STATE BANK St. Marys (Camden), Ga.

As called for by the Superintendent of Banks

J. B. MILLER, Presioent.
Date of Charter: 4-12-1955

FLEM J. HALL, Cashier.
Began Business: 8-4-1955

ASSETS
Cash, balances with other banks, and cash i terns in process of collection .. $
United States Government obligations, direct and guaranteed .... : ..
Obliga~ic.n~s of States and pohttcal
subdtVISIOllS , , , , , , , , , , , , ,
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,corporatestocksand
stock in FPderal Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .

657,046.81 892,004.08
None
140,000.00 None
1,151,292.58
41,204.96 24,466.10
None 5,587.96

Total Assets .................. $ 2,911,662.49

LIABILITIES
Demand deposits ............ $ Time and savings deposits ....... Deposits of U. S. Government .... Deposits of States and political sub-
divisions .................. Deposits of banks ..... Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin~ .......................... Other liabilities ............ , .... Capital notes and debentures ....... . J.>rcferred stock ................ Comn1on stock ............... Surplus ....................... Undivided profits .............. Reserves ..................... ,

1,101,615.81 924,718.27 240,524.15
336,178.14 None
2,993.23 None
None 101,766.98
None None 50,000.00 150,000.00 3,865.91 None

Total Liabilities ..... $ 2,911,662.49

STATEMENT

Showing condition at the close of business December 31, 1965, of

ST. SIMONS STATE BANK St. Simons Island (Glynn), Ga.

As called for by the Superintendent of Banks

E. R. BUFKIN, President.
Date of Charter: 4-24-1950

E. T. BOYD, Cashier.
Began Business: 6-1-1950

ASSETS

Cash, balances with otht>r banks. and

cash ite-ms in process of collection .. $ Unite-d States Government obliga-

427,581.03

tions. direct and guaranteed ..... . Obli~a~i?~s of States and political

896,994.03

subdiVISIOnS .. , , , , . , . , , . , . , . , .... SC'curitics of Federal agencies and

150,963.86

corporations not guaranteed by

Otuh.ts'r. securities,corporatestocks and

200,000.00

stock in Federal Reserve Bank .... Loans and discounts, including over-

None

drafts ......................... . 1,864,052.90

Bank premises, furniture and fixtures,

and other assets representing bank

premises ....................... .

20,211.17

Real estate owned other than bank

premises ....................... .

8,298.86

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . .

4,260.47

-----

Total Assets .................. $ 3,572,362.32

LIABILITIES
Demand deposits ............ $ Time and savings deposits ........ . Deposits of U. S. Government ..... De~o~i!s of States and political sub-
divisions ............. Deposits of banks ............ , Certified and officers' checks, etc.... Other liabilities for borrowed mont>y. Acceptances executed by or for ac-
count of this bank and outstanding ......................... Othf'r liabilities ... Capital notes and debentures ....... .
Prr-ferred stock ................ . Common stock ............. Surplus ....................... U ndividcd profits ................ Reserves .........................

1,501,755.71 1,100,2'22.43
77,075.09
401,710.29 243,176.05
13,i'J8.81 :\one
None 56,681.55
None None 75.000.00 95.00D.OO 7,982.39 None

Total Liabilities ......... $ 3,572,362.32

FORTY-SIXTH ANNUAL REPORT

12 7

STATEMENT

Showing condition at the close of business December 31, 1965, of

CITIZENS BANK OF WASHINGTON COUNTY Sandersville (Washington), Ga.

As called for by the Superintendent of Banks

J. B. WALL, JR.,
President. Date of Charter: 1-6-1965

E. P. LEE, Cashier. Began Business: 5-3-1965

ASSETS
Cash. balances with other banks, and cash items in process of collection .. $
United States Government obligations. direct and guaranteed. . . . . .
Jbli~ations of Stat'es and political subdivisions . . . . . . . . . . . . . . . . . . . . .
Securities of Federal agencies and corporations not guaranteed by U.S. . . . . . . . . . .. . . . . . . . . . . . . . . . .
Other securities. coroorate stocks and stock in Federal Reserve Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtures, and other ass('ts representing bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .
Total Assets .................. $

294,099.42 481,676.56
11,000.00
None None 803,330.77
144,410.71 None None None
1,734,517.46

LIABILITIES
Demand deposits ......... $ Time and savings deposits ........ . Deposits of U.S. Government .... Deposits of States and political sub-
divisions .................... Dr posits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandIng ........... o o. o Other liabilities ...... o Capital notes and debentures ....... . Preferred stock ................ . Common stock ............... Surplus ........... 0 Undivided profits ......... Reserves ..... o o o

649,138.33 356.239.49 66,309.30
265,611.1 i None
5,127.41 None
None None None None 200,000.00 150,000.00 42.031.76 None

Total Liabilities .............. $ 1,734,517.46

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE GEO. D. WARTHEN BANK Sandersville (Washington), Ga.

As called for by the Superintendent of Banks

C. FINDLAY IRWIN, SR., President.
Date of Charter: 3-18-1957

JOHN D. EVERE'IT, Cashier.
Began Business: 3-18-1957

ASSETS

Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obligations of States and political subdivisions .................... .
Securities of Fedt>ral agencies and corporations not guaranteed by
Otuh.Psr. securities,corporatestocksand
stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures,
and other assets representing bank
premises ....................... . Real estate owned other than bank
premises ....................... .
Customers' liability to this bank on acceptances outstanding ..... o
Other assets .................... 0

1,961,780.45 2,489, 797.81
721,926.63
75,112.50 None
3,128,344.77
151,105.87 Nono None None

~~~~-
Total Assets .................. $ 8,528,068.03

LIABILITIES

Demand deposits ............... :$ Time and savings deposits . o o
Deposits of U. S. Government 0 o o o
Deposits of States and political sub-

divisions ..... o o o. o o o o. Deposits of banks o o o o o o o Certified and officers' checks, etc....

Other liabilities for borrowed money._ Acceptances executed by or for ac-

count of this bank and outstand-

ing

o oo o o. o. o.

Other liabilities .. o o o

Capital notes and debentures ....... .

Preferred stock ... o

Common stock . o Surplus ......................... t:ndiv!ded profits ...........
Reserves o. o. o o o. o

5,061, 707.24 1,996,177.63
127,962.55
646,137.76 None
20,349.49 None
None 8.000.00
None None 200.000.00
20~000.00
26;,733.36 None

Total Liabilities .......... $ 8,528,068.03

128

DEPARTMENT OF BANKIKG

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF SARDIS Sardis (Burke), Ga.

As called for by the Superintendent of Banks

W. H. SMITH, President.
Date of Charter: 4-27-1945

L. F. BARGERON, Cashier.
Began Business: 7-2-1945

ASSETS

Cash, balanc<'s with other banks, and

cash items in process of collection .. $ United States Government obliga-

126,895.4 7

tions, direct and guaranteed ..... . Obligations of Stat('s and political

418,050.07

subdivisions .............. o o o

4,000.(10

Securities of Federal agencies and

corporations not guaranteed by

U.S........................... .

194,990.63

Other securitiPs, corporate stocks and

stock in FedPral Reserve Bank ....

l'\one

Loans and discounts, including over-

drafts ......................... .

430,889.15

Bank premises, furniture and fixtures,

and other a<;sets repn'senting bank

premises ................... o.

3,984.20

RC'al estate owned other than bank

premises ....................... .

None

CustomPrs' liability to this bank on

acceptances outstanding ........ .

None

Other assets o o o 0 o

~one

-----

Total Assets .................. $ 1,178,809.52

LIABILITIES

Demand deposits ................ $

Time and savings deposits ........ .

Deposits of U. S. Government ..... .

Deposits of States and political sub-

divisions ....................... .

Deposits of banks ................ .

Certified and officers' checks, etc... .

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

. o

Other liabilities .......... o.

Capital notes and debentures. o

Preferred stock o o o o o

Common stock . o

Surplus ........ o. o o. o

Undivided profits .........

Reserves .......................... .

425,170.84 377,476.81
1,564.48
210,652.03 7.120.88 6,046.94 None
Konc 19,366.19
A" one '!\'"one 30,11CIJ.OO 50.UOO.OD 311.612.8:) 14,798.50

Total Liabilities .......... $ 1,178,809.52

STATEMENT

Showing condition at the close of business December 31, 1965, of

ATLANTIC SAVINGS AND TRUST COMPANY Savannah (Chatham), Ga.

As called for by the Superintendent of Banks

EDGAR R. TERRY, President.
Date of Charter: 11-6:1933

JAS. J. JOHNSON, Cashier.
Began Business: 11-6-1938

ASSETS
Cash, balances \vith other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed .....
Obliga~i?':s of States and political subdt\'lSlOllS ..... , ... o , o ,
Securities of Fedrral agencies and cnrporations not guaranteed lfy U.S........................... .
Other securitirs, corporate stocks and stock in Ff'deral Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures. and other assets representing bank premis<'S .... o o o o
Real estate owned other than bank premises ......................
Customt>rs' liability to this bank on acceptances outstanding ........
Other assets . o o o

230,228.68 1,229,576.00
170.336.4:i
lliO,UOO.fO 12,0Gfi.OO 2,509,750.51
65,468.94 1.110
None 928.54

Total Assets .................. $ 4,318,290.12

LIABILITIES
Demand deposits . $. Time and sa\'in~s deposits .... Deposits of U. S. Government . o o o Deposits of States and poli1ical sub
divisions ... o o. Deposits of banks ............... Certified and officers' checks, etc...
Other liabilities for borrowed money o Acceptances executed by or for ac-
count of this bank and outstand in~ .... Other liabilities .. o o
Capital notes and debentures .......
Preferred stock . o Common stock
Surplus ............... o l'ndivided profits ................ Reserves ...........

I\one 3,218,872.82
l"\one
390,000.00 !\'"one
4,747.97 None
Non<, 889.24
~one
Kone 100,000.00 400,000.00 203,7R0.09
:l\~0111)

Total Liabilities .... $ 4,318,290.12

FORTY-SIXTH ANNUAL REPORT

129

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE CARVER STATE BANK Savannah (Chatham), Ga.

As called for by the Superintendent of Banks

L. D. PERRY,

C. BERNARD NICHOLS.

President.

Cashier.

Date of Charter: 4-29-1947
======

Began Business: 6-4-194'1

ASSETS
Cash, balanct>s with other banks. and cash items in process of collection.$
United States Government obligations, direct and guaranteed ..... .
Obliga~i?~s of States and political
subdiVISlOllS , , , , , , , , , , , , , ,
Securities of Federal agencies and
cuo.rsp.o.r.a.t i.o.n.s. .n.o.t. . .g.u.a.r.a.n. .t e. .e.d. . .b y.
Other securities, corporate stocks and
stock in FPderal Reserve Bank .... Loans and discounts, including over~
drafts ......................... . Bank premises, furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank premises ................. o Customers' liability to this bank on acceptances outstanding . . . . . . . . . Other assets 0. 0 0.

248.532.18 783,374.27 122,260.35
100,000.00 None
879,676.4 7
4l.Sc9.17 None N\me 642.:-ll

LIABILITIES

Demand deposits ... $

Time and savings deposits o 0 0 o. o o.

Deposits of U. S. Government ..... .

Deposits of States and political sub-

divisions o. o o o. o o 0 ,

Deposits of banks o 0 0

Certified and officers' checks, etc.. o

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

o o o 0

Other liabilities o o o

Capital notes and debentures ....... .

Preferred stock .................

Common stock o o o. o. o o. o

Surplus

. o o o. o o o. o o o o o

Undivided profits .

Res?rves ....... o. o o o

277,417.39 1,302,127. 94
None
283,302.33 12,000.00 14,404.36 None
None 12,715.97
None None 150.000.00 55,720.00 46,626.96 22,000.00

~~~~-
Total Assets .................. $ 2,176.314.95

Total Liabilities .... $ 2,176,314.95

STATEMENT

Showing condition at the close of bus'iness December 31, 1965, of

CHATHAM SAVINGS BANK Savannah (Chatham), Ga.

As called for by the Superintendent of Banks

ELTON W. CREECH, President.
Date of Charter: 8-11-1953

GILBERT G. WOOD, Secy. & Treas.
Began Business: 8-11-1953

ASSETS

Cash, balances with other banks. and cash items in process of collection .. $
United States Government obliga-
tions, direct ancf guarante<:>cl ..... . Obliga~i?~s of States :::.nd political
subd!VlSlODS , , .. , , , , o, , , , , , ,
Securities of Federal agencies and
uc o.rsp.o.r.a t.i.r m. .s . .n.o.t . .g.u.a. .r .a.n.t.e.e.d. . .by.
Other securities, corporate stocks and
'itock in Federal Rest'rve Bank .. o.
Loans and discounts, includmg overdrafts ......... , ............... .
Bank premises~ furniture and fixtures, and other assets representing bank
premises o o. o o o o o
Real estate owned other than bank
premises . o o o o o. o
o....... Customers' liability to this bank on acceptances outstanding . Other assets . . . . . . . . . . . . .

290,303.1",' 453,317.49 380,'128.90
None l.IJO
3.102.980.45 111,804.37
1.00 None 250.00

~~~~~

Total Assets ... $ 4,339,186.68

LIABILITIES

Demand deposits . $ Time and savings deposits ~ o o o. Deposits of U. S. Government ...
Ddi~i~{~n~f. ~~~~eso .a.~~. :~~i:~cal ~~~~

Deposits of banks ................

Certified and officers' checks: etc....

Other liabilities fer borrowed monev.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

o Go. o. o. o

Other liabilities ,

Capital notes and debentures ....... .

Preferred stock o o o

Common stock .... o. o. o. o

Surplus ....... o o

Undivided profits .........

Reserves .. o o.

30/. 7B 3,078,115.51
728.92
325.662.34 lOfJ.242.'J', 26,:-n2.2l
:\one
1\uJw 1.7(1<).77
None None 300.000.00 300.000.00 199,717.20 None

Total Liabilities . $ 4,339,186.68

130

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

GEORGIA STATE SAVINGS BANK OF SAVANNAH Savannah (Chatham), Ga.

As called for by the Superintendent of Banks

S. A. BREWTON, President.
Date of, Charter: 7.-29-l90~

SAM J. NEWTON, Cashier.
Began Business: 8-4-1909

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obliga~ tions, direct and guaranteed ..... .
Obli~a~i'?'!s of States and political
subdiVISIODS , , , , , , , ,
Securities of Federal agencies and coroorations not guaranteed by
Otuh.esr. securities,corooratestocksand
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ......................... Bank premises, furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank premises ....................... Customers' liability to this bank on acceptances outstanding ........ . Other assets ...... o o o o o o o o o

410,392.84 646,851.56 899,192.99
None None 9,034,461.18
101,916.75 8,000.00 None 2,4B6.58

Total Assets .................. $ 11,103,301.90

LIABILITIES

Demand deposits ......... $

Time and savings deposits . 0 0 0 0 0 0

Deposits of U. S. Government o o o o

Deposits of States and political sub

divisions . o. o o. o o o. o. o.

Deposits of banks ................ .

Certified and officers' checks, etc.. o

Other liabilities for borrowed money.

Acceptances executed by or for ac

count of this bank and outstand

. . . . . . . . . . in~

o o o o o o.

Other liabilities .................. .

Capital notes and debentures ....... .

Preferred stock .. o. o o. o Common stock ....... o o o o. o o. Surplus ....................
Undivided profits .......... , ... Reserves .... o. o. o. o. o o o 0 o

Non> 9,490,031.48
None
312,591.90 45,000.00 15,918.45
None
None 91,339.81
None None 325,000.00 500,000.00 233,420.26 90,000.00

Total Liabilities ............... $ 11,103,301.90

STATEMENT

Showing condition at the close of business December 31, 1965, of

INDUSTRIAL BANK OF SAVANNAH Savannah (Chatham), Ga.

As called for by the Superintendent of Banks

L. R. WYLLY, JR., President.
Date of Charter: 5-20-1954

A. B. GAMMON,,ut., Cashier.
I.Jegan Business: 5-20-1954

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obliga~i'?'!' of States and political subdiVISIOnS . , , , , . . . . . ...
Securities of Federal agencies and
cuo.rsp.o.r.a.t i.o.n.s. .n.o. t. . .g.u.a.r.a.n. .t e. .e.d. . .b y.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises. furniture and fixtures, and other assets representing bank premises ..................... o
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ..... o
Other assets ..................... .
Total Assets ..... , ............ $

145,599.55 713,424.89 336,283.69
None None 1,544, 768.69
27,600.78 6,317.87 None 9,733.11
2, 783,728.58

LIABILITIES

Demand deposits .................. $

Time and savings deposits o o

Deposits of U. S. Government .....

Deposits of States and political sub

divisions . o o o o. o. o o.

Deposits of banks ................ .

Certified and officers' checks, etc... .

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand

in~

. . . . . . . o. 0 0 0 0. 0

Other liabilities .................. .

Capital notes and debentures. o

Preferred stock .. o o o o o o o. o o

Common stock ...... o. o. o o

Surplus

o o o. o o. o

Undivided profits ............... ..

Reserves ................ o o.

492,892.84 1,471,242.47
None
242,935.80 None
22,730.63 None
None 192,992.88
None None 150,000.00 100,000.00 102,406.44 8,527.52

Total Liabilities ........ $ 2,783,728.58

FORTY-SIXTH ANNUAL REPORT

131

STATEMENT Showing condition at the close of business December 31, 1965, of SAVANNAH BANK AND TRUST COMPANY OF SAVANNAH
Savannah (Chatham), Ga. As called for by the Superintendent of Banks

MALCOLM BELL, JR., President.
Date of Charter: 3-4-1869

STANLEY G. GIBSON, JR., Cashier.
Began Business: 7-1-1869

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 9, 795,3B3.59

United States Government obliga-

tions, direct and guaranteed ..... . 16,415,7iB.2B

Obliga!i?f!S of States and political

subdtVISlOTIS , , , , , , , ,

5,666,810.91

Securities of Federal agencies and corporations not gua~an teed by

u.s.
Other securities, corporate stocks and

None

stock in Federal Reserve Bank ....

149,500.CO

Loans and discounts, including over-

drafts ......................... . 33,986,290.61

Bank premises, furniture and fixtures,

and other assets representing bank

premises .................... 1.022,101.55

Real estate owned other than bank

premises ..... ooo0 o0 o0 0. o. ooo

55,421.33

Customers' liability to this bank oh

acceptances outstanding o 0 0 0 0 0 0 Other assets . o. o... o.. o oo o o o

None 584,921.26

Total Assets .................. $ 67,676,207.53

LIABILITIES

Demand deposits o. $ 27 ,953,643.1B

Time and savings deposits .. o. o. o 23,446,476.07

Deposits of U. So Government . oo 0 0.

736,563.64

Deposits of States and political sub-

divisions .. o... 4,017,204.40

D('posits of banks o..... oo. 3,597 ,29B.59

Certified and officers' checks, etc. 0

592,512.65

Other liabilities for borrowed money.

None

Acceptances executed by or for ac-

count of this bank and outstand-

Ing o. o. o. o..

None

Otht>r liabilities . 1.665,373.81

Capital notes and debentures .......

None

Preferred stock o.......

None

Common stock .... I ,650,000.00

Surplus ... o.. 3,350,000.00

Undivided profits ........

574,577.00

Reserves o o.

92,558.19

Total Liabilities .............. $ 67,676,207.53

STATEMENT

Showing condition at the close of business December 31, 1965, of

FARMERS AND MERCHANTS BANK OF SENOIA Seno'ia (Coweta) , Ga.

As called for by the Superintendent of Banks

SIMPSON D. KIDD, JR., President.
lJate of Charter: 3-2-1874

HATTIE S. WHATLEY, Cashier.
Began Business: 1889

ASSETS

Cash, balances with other banks, and

cash items in process of collection .$ 124,291.21

United States Government obliga-

tions. direct and guaranteed ..... . Obli~ations of States and political

817,56 !.22

subdivisions ............... o....

2,8110.110

Securities of Federal agencies and

cnrporations not guaranteed by

U.S.......................... .

A one

Other SC"Cnritit>s, corporate stocks and

stock in F{'dcral Rt>serve Bank. o.

~one

Loans and discounts, including over-

drafts ......................... .

.138357.82

Bank premists. furniture and fixtures.

and other assets reprf'senting bank

pren1ises ................. o.. ; .. .

29.813.:,8

Real e.,tatc owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding ........ .

-:\'onf'

Other assets .... o................ .

427.62

-----

Total Assets .................. $ l.'i13,2:i1.4:,

LIABILITIES

Demand deposits ........ o. o. $ Time and savings deposits .... Deposits of U.S. Governm<'nt ... Dcpoo.its of States and political sub~
divisions .... o... o.. : . . o. Dl'posits of banks . _. o..

Certified and officers' chccks. etc ....

Other liabilities for borro\''ed monf'y.

Acceptances executed by or for ac-

count of this bank and tmtstand

. . . . . . . . . . . . in~

o o

Other liabilities . o. o. , ..

Capital notes and debentures ....... .

Preferred stock

Common stock

Surplus .... o. o.. o. o. o o

t7ndivided profits ..... o....

Reserves . o. o

633,666.33 659.S83.61
5.255. 74
66.760.10 None
1.208.89 :\"nne
None 43. Hi3.98
None Kone 31l.OOO.OO '\0,.000.00 18,212.80 None

Total Liabilities .......... $ 1,513,251.45

132

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

FIRST STATE BANK Shellman (Randolph), Ga.

As called for by the Superintendent of Banks

J W. CURRY
President. Date of Charter: 12-31-1958

L. R. RIGSBY,
Cashier. Began Business: 1-2-1959

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
l.Jnited States Government obligations, direct and guaranteed ..... .
Obliga~i(.n~s of States and political
subdiVISIOOS
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,corporatestocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts .........................
Bank premises, furniture and fixtures, and other assets representing bank premises ...................
Real estate owned other than hank premises .......................
Customers' liability to this bank on acceptances outstanding ........ .
Other assets . o o o o
Total Assets .................. $

273,105.00 468,265.08
None
375,104.16 None
1,039,107.30
4,612.10 None I\' one
3,31fi.51 2,1fi3,510.15

LIABILITIES
Demand deposits .. $ Time and savings deposits ........ .
Deposits of U.S. Government o.. .
Deposits of States and political subdivisions .... o o. o
Deposits of banks ............ Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin~ ......... Other liabilities . o o. Capital notes and debentures .... l:lreferred stock . o Common stock ............... Surplus ....... o. o o Undivided profits ........... Reserves o o o o

1,314,793.82 403,916.48 10,319. i1
153,973.69 None
50,946.21 None
None 14,01111.1111
None None 50,000.00 75,000.00 90,.160.24 None

Total Liabilities .............. $ 2,163,510.15

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF SMYRNA Smyrna (Cobb), Ga.

As called for by the Superintendent of Banks

HARRY L. HOLLIDAY, President.
Date of Charter: 4-4-1946

WINSTON C. BURGER, Cashier.
Began Business: 8-5-1946

ASSET~
Cash, balances with othf'r banks, and ca'>h itrms in proc(:ss of collection .. $
lJnited States Government obligations. din'ct and guaranteed......
Ohliga.ti?~s of States and political
suhdi\.'JSlOns . . . . Securities of Federal agencies and
corporations not guaranteed by u.s. . ..................... , . . . . Otht'r securities, cornorate stocks and stock in Frdcral RcserVt.' Bank.... Loan:-. and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . . Bank premises. furniture and fixtures, and other ass<'ts representing bank
premises ........... o.o
RPal estate owned otlwr than bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Customers' liabilitv to this bank on acc('ptanc('s outs:tanding . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .

1,33t),3:l~.40
3,370,966.01 2, 1G9,i54.13
924,6n0.00 ::"Jone
5.509,'J69.06
l:)(l,li5.1:) Kone None
18.719.55

Total Assets .................. $ 13,474,143.30

LIABILITIES

Demand deposits .. $

Time alld sa\'ings deposits ...... o. o Deposits of U. S. Government ..

Deposib of States and political sub-

divisions . 0 o o.

Deposits of banks .. o o

Certifif'd and officers' checks. etc...

Other liabilities for borrowed money.

Acceptances e:x~'cuted by or for ac-

count of this Lank and ontstand~

ing ......

Othrr liabilities ........

Capital notes and debentures. . . . ..

Preft"rred stock o

Common stock ... o

Snrplus

. o o o o o.

l~ndividcd profits ...........

ResPrYes ......... o o

6,955,'i8:Dl 4,144,507.43
101,844.13
I ,033,546.85
-:\(lnc 24-.67Y.26
~-nne
None 299,674.79
I\" o n e None 185.Gi10.i:n 315,t;oo.nn 148.283.53 65,923. 7i

Total Liabilities ........ $ 13,474,143.30

FORTY-SIXTH ANNUAL REPORT

133

STATEMENT

Showing condition at the close of business December 31, 1965, of

SOCIAL CIRCLE BANK Social Circle (Walton), Ga.

As called for by the Superintendent of Banks

ROY J. MALCOM

President.

Date of Charter: 12-31-1923

.

'

MRS. MARY S. CHANDLER, Cashier.
Began Business: 3-8-1924

ASSETS

Cash, balanc<'s with other banks, and

cash items in process of collection.$ United States Government obliga-

210,601.43

tions, direct and guaranteed ..... . Obli~a~i?~s of States and political

530,639.14

subdtVISIOllS , , , ,
Securities of Federal ag>ncies and

15,000.00

cornorations not guaranteed by

u.s.
Other sC'curitics, coroorate stocks and

50,000.00

stock in Federal Reserve Bank .... Loans and discounts, including over-

None

drafts .......... , . , ... , , , , .... 1,643,946.53 Bank premises, furniture and fixtures.

and other assets representing bank

prrmises ....................... . Real e<;t:ate owned other than bank

31,519.12

prentist>s .....................

None

Custcmers' liability to this bank on

acreptanct,s outstanding . . . . . . . . .

None

Other a"ets . . . . . . , ... , ......... ____5.:.,7_1_3_.4_7

Total !mcts .................. $ 2,487,419.69

LIABILITIES
Demand deposits . , , ........ $ Time and savings deposits Deposits of U. S. Government .....
Ddi~i~f~n~f. ~~~~es .a.~~. :~~i~~cal ~~~~
Deposits of banks ....... , , , . Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ........................... . Other liabilities Capital notes and debentures ....... . Preferred stock .............. Common stock ......... Surplus . , ... , , , , , .
Undivided profits ................ . Res~rves .........

957,936.77 833,169.67
17,509.13
341,320.92 50,000.00
7,519.84 Nono
None 83,U31.45
None None 50,000.00 100,000.00
46,9~1.86
Nono

Total Liabilities ....... $ 2,487,419.69

STATEMENT

Showing condition at the close of business December 31, 1965, of
BANK OF SOPERTON Soperton (Treutlen), Ga.

As called for by the Superintendent of Banks

JIM L. GILLIS, JR., President.
Date uf Charter: 7-16-1906

B. KENNON GILLIS, Cashier.
Began Business: 1903

ASSETS
Cash. balances with other banks. and cash items in process of collection .. $
c~nited States Government obliga tionsj direct and guaranteed, .....
Obliga~ic;:~s of Statt-s and politic::t! subdiVlSIOllS , .. , , , , , , . , . , , . , , .
Securities of ;;.,;dt.:ral agrncies and ~~)rporathns ne>t g u a r <..n teed by
v " '" .. ' "
~.)d;er st:.:uritit>s, r:erp(r<",te '"*ocks and ...-:_ck jn :F:deral Reserv-e Bank ... 111::. an.J rl.i~r.oun1, includmg over~ drafts , , . , .... , ............ .
~l:1nk pre,:--.ses~ furnitur~ a1d fi'Xtures, and ud~.: \:.:::;t:ts reprP::cnting bank premises , ~~~ ... ~.,,, ......... .
?.e;d esto c~ r'l.vflf"fi otht:"r than bank }ff'!aises ..... ~ -.
(~:\:strJmers' ;;..,bilitv tn this bank on <"tU::TJtances outs.tacdjag .......
Ot>,~-l asssts ...... ,

633,528.83 1,108,135.20
464,485.57
549,987.5() 25,000.00 2,470.900.68
17.000.00 1.00
None I ,681.69

LIABILITIES
Demand deposits $ Time and savings deposits . Deposits of U. S. Government ..... Deposits of States and political sub-
divisions ....................... Deposits of banks ................ Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac~
count of this bank and outstand-
irrg .... Other liabilities ................. .. Capital notes and debentures ....... .
Preferred stock ................ Common stock ....... Surplus .. , ... , .... , LT ndivided profits ................ . Reserves .

1,928,i88.65 2,297,555.43
52.044.38
483,190.16 l\one
23,951.19 None
~one
132,670.26 None Nono
IOO,OOO.llO 100,000.00 152,520.10
!\~one

...... $ 5.270)20.4i

Total Liabilities ............... $ 5,270,720.47

- - - -- --

- ~-----------

134

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF HANCOCK COUNTY Sparta (Hancock), Ga.

As called for by the Superintendent of Banks

S. H. HOLLIS, President.
Date of Charter: 10-18-1904

WM. W. ARCHER, Cashier.
:Began Business: 9-5-1904

ASSETS
Cash, balances with other hanks, and cash items in process of collection .. $
United States Government obliga tions, direct and guaranteed ..... .
Obliga~i?'}S of States and political
subdiVISIODS , , , , ,
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,corporatestocksand
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank premises ....................... . Customt>rs' liability to this bank on acceptances outstanding ........ . Other assets ..................... .

403,516.36 i34,556.71 465,407.92
374,468.75 None
2,859,343.95
1.00 1.00 None None

Total Assets .................. $ 4,83i,295.69

LIABILITIES
Demand deposits ........... $ Time and savings deposits ........ Deposits of U. S. Government ..... Deposits of States and political sub
divisions ................ Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac~
count of this bank and outstanding ........................... Other liabilities .............. , Capital notes and debentures ....... . !>referred stock ................ Common stock .............. Surplus ....................... Undivided profits ................ l{eserves .................. , . ,

1,399,181.85 2,395,253.H1
24,057.93
591,387.19 None
19,415.49 None
None None None None 100,000.00 200,000.00 107,999.37 None

Total Liabilities ...... $ 4,837,295.69

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE EXCHANGE BANK OF SPRINGFIELD Springfield (Effingham) , Ga.

A called for by the Superintendent of Banks

.J. M. MARCHMAN
President. Date of Charter: 12.30-1907

EMORY .A. SHEAROUSE, Cashier.
Began Business: 1-1-1908

ASSETS
Cash, halancl:'s with other banks, and cash items in process of collection.$
United States Government obligations, direct and guaranteed .... : ..
Oblil(a~i?~s of States and poht1cal subdiVISIOnS , . , . , ... , . , ..
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities.corporatestocksand
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .
Total Assets ..................$

669,939.i8 1,210,502.38
571,914.35
299,812.50 None
1,697,511.61
61,061.68 None None None
4,510, 742.30

LIABILITIES
Demand deposits ...... $ Time and savings deposits .... Deposits of U. S. Government .... Deposits of States and political sub
divisions ...... Deposits of banks ..... ~ Certified and officers' checks. etc. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ................... Oth~r liabilities .................. . Capital notes and debentures ..... Preferred stock ............ Common stock ............ Surplus .................. Undivided profits ................ . Reserves .................

1,482,353.42 2,389,507.13
1,984.66
331,897.09 5,000.00 None None
None None None None 100,000.00 150,000.00 50,000.00 None

Total Liabilities .. $ 4,510, 742.30

FORTY-SIXTH ANNUAL REPORT

135

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF STAPLETON Stapleton (Jefferson), Ga.

As called for by the Superintendent of Banks

]. C. KILGORE, SR.,
President. Date of Charter: 3-20-1916

]. C. KILGORE, JR.,
Cashier. Besran Business: 1916

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Govl:'rnment obligations, direct and guaranteed ..... .
Obli~ations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, coroorate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank
premises ................. Real estate owned other than bank
premises ....................... . Customers' liability to this bank on
acceptances outstanding ........ . Other assets ..................... .

360,958.51 696,866.83 232,999.56
559,943.75 None
522,651.43
5,915.40 None None
1,023.82

Total Assets .................. $ 2,380,359.30

LIABILITIES
Demand deposits .............. $ Time and savings deposits ........ Deposits of U. S. Government ..... Deposits of States and political sub-
divisions .................... Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding .................. Other liabilities .................. . Capital notes and debentures ....... . Preferred stock ................ Common stock ............... Surplus ......................... . Undivided profits ...... Reserves ...................

1,484,078.30 602,836.97 5,548.18
94,556.39 None
9,134.09 None
None None None None 50,000.00 80,000.00 54,2115.37 None

Total Liabilities ............... $ 2,380,359.30

STATEMENT

Showing condition at the close of business December 31, 1965, of

BULLOCH COUNTY BANK Statesboro (Bulloch), Ga.

As called for by the Superintendent of Banks

W. G. COBB, President.
Date of Charter: 1-19-1934

THOS. F. HOWARD, Cashier.
Began Business: 4-14-1934

ASSETS

Cash. balances with other banks, and

cash items in process of collection . . $ 1,102,853. 77

United States Government obliga-

tions direct and guaranteed ..... . 2,318,002.84

Obligations of States and political

subdivisions ............... .... . 1,004,496.62

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Other securities, corporate stocks and

None

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts ............. 3,745,778.81

Bank premises, furniture and fixtures,

and other assets representing bank

premises ....................... .

118,451.66

Real estate owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . .

143,475.02

-----

Total Assets .................. $ 8,433,058. 72

LIABILITIES
Demand deposits ................ $ Time and savings deposits ........ Deposits of U.S. Government ..... . Deposits of States and political sub-
divisions ....................... Deposits of banks .............. Certified and officers' checks, etc... Other liabilitics for borrowed money. Acceptances executed by or for ac~
count of this bank and outstanding .......................... Other liabilities ................. Capital notes and debentures ....... . Preferred stock .. Common stock Surplus ....................... Undivided profits ......... Reserves .............

4,322,155.23 1,893,000.56
131,226.51
1,269,029.91 54,297.31 42,744.95 None
None 48,932.90
None None 200,000.00 300,000.UO 111,671.35 60,000.00

Total Liabilities ....... $ 8,433,058. i2

136

DEPARTMENT OF BANKIKG

STATEMENT

Showing condition at the close of business December 31, 1965, of

SEA ISLAND BANK Statesboro (Bulloch), Ga.

As called for by the Superintendent of Banks

C. B. McALLISTER, President.
Date of Charter: 3-11-1901

H. E. BRAY, Cashier. Began Business: 1901

ASSETS
Cash, balancf's with other banks, and cash it'ms in procr-ss of collcctio.n .. $
United States Government obligations. direct and guarante-ed ..... .
Obli~a!i?':s of States and political
subdtVIS!OilS , , , . , , . ,
SrcuritiPs of Federal agt>ncics and corporations not guaranteed by t:.S. . ........................ .
Other sPcurities. corporate stocks and stock in Federal Rf'scrve Bank ....
Loans and di<;cmmts, including over-
drafts ................. Bank premises, furniturr- and fixturPs,
and other assets reprc~C'nting bank premises ....................... . Real estat<" ownPd other tltan bank premises ....................... Customers' 1iabilitv to this bank on acceptances outstanding- ........ . Other assets ..................... .

~. 796,370.30 1,749,835.18 1.18G,990.G:
2110.000.00 Nont:
5,117,312.51
78.101.39 28.000.00
Nono 1,980. 78

LIABILITIES
Demand deposits ....... $ Time and savings deposits ........ Deposits of C. S. Government .... Deposits of States and political sub-
divisions .................... Deposits of banks ........... Cn tificd and officers' checks. etc.. Othrr liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin~ ........... OthtT liabilities . , ........ , ... . Capital notes and cl('bentures ....... . Prderrcd stock ............... Cornrnn11 :-rock ...... Surplu<> ..... , ................. C:ndi\'idcd profits .... 0. 0 R(''>er\T:. . . . . . o o

6,214.'i93.90 2,375.942.20
88,471.24
1,382,0'>6.83 74,617-H:i 46,298.87 Konc
None None None None 150,000.00 500,000.00 232,61;8.92 95,0l10.00

Total Assets . . . . . . . . . . . . . . . . . . $ 11,15<J,64!J.86

Total Liabilities ............... $ 11,159,649.36

- - - - - - - - - - - - - - - - - - - - -

------~-

-

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE FIRST STATE BANK Stockbridge (Henry), Ga.

As called for by the Superintendent of Banks

J. T. MAYS, JR.,

President.

Date o
=-------=-----

_f -_C-_h-_a-_r-t_e-_r-,:_--9-=--2-=1--=.1-9-6=4-===

ASSETS
Cash, balances with otht>r banks, and cash items in process of collectio_n. o $
United States Government obligations. direct and guarantet>d .....
Obliga~i?~s of States and political subdtVISIODS ......... , , . , ....
Securitirs of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,corporatestocksand
stnck in Federal Reserve Bank ... Loans and discounts, .including over-
drafts ......................... Bank pr('mises, furniture and fixtures,
and other assets representing bank prernises ..................... Real estate owned other than bank Premises ..................... Ctistomers' liability to this bank on acceptances outstanding ..... o Other assets ...................

ii ,661.00 293,306 ..18
18,331.74
25,000.00 None
718,748.41
79,640.02 I'\ one None
5,892.80

Total Assets .................. $ 1,218,580.55

R. PIERCE RICHARDSON, Cashier.
Began Business: 10-8-1964
----------------------

LIABILIT!f.S

$ Demand dcposi ts . . o o o o o o. o o Time and savin~s deposits .... o

Deposits of U. S. Government . o o

Deposits of States and political sub-

divisions ...... o o o o o o o o o o. o. o o
Deposits of banks ......... o.

Ct>rtified and officers' checks, etc.

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand~

ing

... o. o o. o. o. o o o

Other liabili tics ....... o o.

Capital notes and debentures ......

PrefC'rred stock ... o o o o o o

Common stock o o o o

Surplus ............... o

LTndividecl profits o o o o

Reserves .............

445,140.83 266.82:i.96
6,279.20
166,747.11
Non~
None 25,000.00
None 121,895.57
None None 100,000.00 70,000.00 16,691.88 None

Total Liabilities ............... $ 1,218,580.55

FORTY-SIXTH ANNUAL REPORT

137

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE BANK OF STONE MOUNTAIN Stone Mountain (DeKalb), Ga.

As called for by the Superintendent of Banks

WALTER H. GIBSON, President.
Date of Charter: 4-17-1957

ROBERT L. MAUGHON, Cashier.
Began Business: 6-6-1957

ASSETS

Cash. balances with other banks, and cash itf'ms in process of collection .. $
United States Government obligations, dirf."ct and guaranteed ..... .
Obliga~i<_?f!S of States . and political
subdJVISIOTIS , , ,
Securities of Federal agencies and corporations not guaranteed by
u.s.
OthC'r securities, corporate stocks and
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixtures,
and other assets representing bank
premises .................. Real t>state owned other than bank
premises ....................... . Customers' liability to this bank on
acceptances outstanding . . . . . . . . . Other assets . . . . . . . . . . . . . . . . . . . . . .

270,724.73 1,124,036.11
275,752.64
149,85'1.93 None
1,383,748.97
75,000.00 None N onO
23,492.09

~~~~-
Total Assets .................. $ 3,302,612.47

LIABILITIES

Demand deposits .. $ Time and savings deposits . o. o Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ................... Deposits of banks ........... Certified and officers' checks, etc....
Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-

ing o o o oo oo o oo oo oo o o o

Other iiabili ties . o

Capital notes and debentures ....... .

Preferred stock ................. .

Common stock .. o. o o. o

Surpius o o. o o o o o o o o. o o o. o o o o o

Undivided profits ..

Rcs~rvcs

o o, o o. o o o. o o o. o. o.

1,535,141.40 1,189,945.34
30,050.32
138,281.89 None
14,209.59 None
None 158,129.72
None None 100.000.00 50,000.00 63,760.63 23,093.58

Total Liabilities .... $ 3,302,612.47

STATEMENT

Showing condition at the close of business December 31, 1965, of
FARMERS & MERCHANTS BANK Summerville (Chattooga), Ga.

As called for by the Superintendent of Banks

D. L. McWHORTER, President.
Date of Charter: 2-5-1926

JAMES F. KING, Cashier.
Began Business: 2-6-1926

ASSETS
Cash, balances with other banks. and cash items in process of coUection .. $
United States Government obligations, direct and guaranteed .. , ...
Obliga_ti?J!S of States and political subdiVISIOnS , , , , , , , o , o , , , , , ,
Securities of Federal agencies and
cuo.rsp.o.r.a.t i.o.n.s. .n.o.t. .g. .u.a.r.a.n. .t e. .e.d. . .b y.
Other securities, corporate stocks and o;tock in Federal Reserve Bank. o
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises o. o o o. o o o o
Real estate owned other than bank premises . o. o o o o. o o. o o o. o o
Customers' liability to this bank on acceptances outstanding .....
Other assets o o o o

1,568,582.01 3,502,194.77 1,104,409.96
250,000.00 None
3,108,014.62
10.000.00 None None
9. 720.42

Total Assets ... $ 9,552,921.i8

LIABILITIES

Demand deposits $

Time and savings deposits o o o o Deposits of U. S. Government o Deposits of States and political sub-

divisions ......................

Deposits of banks ............

Certified and officers' checks, etc.... Other liabilities for borrowed money.

Acceptances executed by or for account of this bank and outstand-

ing

. . . . o o 0. 0

0. 0. 0 0

Other liabilities

Capital notes and debentures ....... .

Preferred stock .............

Common stock o o o o o o o o Surplus ......
Undivided profits ..

Reserves o o o o. o o o. o. o o o.

5,099,991.50 1,904,546.69
147,181.21
1.339,310.85 None
20,377.53 None
None 8,016.00
None None 200,000.00 550,000.00 25.000.00 258,498.00

Total Liabilities . $ 9,552,921.78

138

DEPARTMENT OF BANKIKG

STATEMENT Showing condition at the close of business December 31, 1965, of
THE CENTRAL BANK Swainsboro (Emanuel), Ga. As called for by the Superintendent of Banks

SAM J. OVERSTREET, President.
Date of Charter: 10-27-1920

JACK S. BAZEMORE, Cashier.
Began Business: 11-9-1920

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ United States Government obliga~

703,071.65

tions, direct and guaranteed ..... . Obliga~i<;n;s of States and political

1,057,345.77

subdiVISIOllS , , ,

429,500.46

Securities of Federal agencies and

cuo.rsp.o.r.a.t i.o.n.s. .n.o.t. . .g.u.a.r.a.n. .t e. .e.d. . .by.

399.968.75

Other sccuritiPs, corporate stocks and

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts ......................... . 1,855,120.12

Bank premises, furniture and fixtures,

and othfT assets representing bank

premises .....................

51,209.08

Real t:'State owned other than bank

premises ......................

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . .

)J" one

----

Total Assets .................. $ 4,496,215.83

LIABILITIES

Demand deposits ............... $

Time and savings deposits ........ .

Deposits of C. S. Government ..... .

Deposits of States and political sub4

divisions ....................... .

Deposits of banks .............

Certified and officers' checks, etc....

Other liabilities for borrO\ved money.

Acceptances executed by or for ac-

count of this bank and outstand-

in>{ ...........................

Other liabilities .................. .

Capital notes and debenture~ ....... .

Preferred stock ......... , ...... .

Comn1on stock .................

Surplus

. o o 0. 0 ,

Undivided profits ................

Re~cr\'cs . . . . . . . . . . . . o

2,034,661.07 I ,625,589.98
32,509.68
303,006.11 172,973.59
14,117.91 X one
~..one 6,000.00
None None 100,000.00 175,000.00 32,353.49 Nono

Total Liabilities ........... $ 4,496,215.83

STATEMENT

Showing condition at the close of business December 31, 1965, of
THE CITIZENS BANK OF SWAINSBORO Swainsboro (Emanuel), Ga.

As called for by the Superintendent of Banks

H. C. EDENFIELD, President.
Date of Charter: 11-10-1900

JAMES R. SMITH, Cashier.
Began Business: 1900

ASSETS
Cash. balanc('S with other banks, and cash items in process of collection .. $
United States Government obligations. direct and guaranteed .... : ..
Obliga~ic::~s of States and poht1cal
subdtVISIOns , ......... , Securities of Federal agencies and
corporations not guaranteed by
Otuh.esr. securities,corporatestocksand
stock in Federal Reserve Bank .. o. Loans and discounts, including over-
drafts ................ Bank premises, furniture and fixtures,
and other assets representing bank premises ................ o Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets ........ o o. o o o

722,438.88 1,334,333.75
389,975.00
None None 4,167,587.62
109,325.42 None None
5,419.88

Total Assets .................. $ 6,729,080.55

LIABILITIES

Demand deposits ............. $ Time and sa\'ings deposits ........ . Deposits of U. S. Government ... o Deposits of States and political sub~
divisions ...................
Deposits of banks ........ Certified and officers' checks, etc....
Other liabilities for borrowed money. Acceptances executed by or for ac4
count of this bank and outstand4

lll~

0 0

Other liabilities ............

Capital notes and debentures .. o

Preferred stock ...............

Common stock ...........

Surplus ........................

Undivjded profits ................ .

Reserves ........................

2,576,554.06 2,685, 713.28
171,669.73
607,377.17 73,431.09 1R.ti92.11 None
None 43,834.33
None
~one
l'ifo,UCO.OO 400.000.LO
1,808.i6 Nono

Total Liabilities ............. $ 6,729,080.55

FORTY-SIXTH ANNUAL REPORT

139

STATEMENT
Showing condition at the close of business December 31, 1965, of
SPIVEY STATE BANK Swainsboro (Emanuel), Ga.

As called for by the Superintendent of Banks

JOHN B. SPIVEY, President
Date of Charter: 8-27-1964

W. H. ROUNTREE, Cashier
Began Business; 3-l-1.965

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 303,592.85

United States Government obliga-

tions, direct and guaranteed ..... .

291,998.49

Obligations of Statt's and political

subdivisions .................... .

None

Securities of Ft>deral agencies and

corporations not guaranteed by

Otuh.esr. securities,corporatestocksand 599,968.75

stock in Ft"deral Rt'serve Bank ...

None

Loans and discounts, including over-

drafts ............ , . , ....... , .. .

487,365.22

Bank pnmises, furniture and fixtures,

and other assets representing bank

premises ....................... .

11,124.81

Real t'state owned other than bank

premises ...................

None

Customers' liability to this bank on

acceptances outstanding ........

None

Other assets ...................

22,725.70

-----

Total Assets .......... , .... , . ,$ l,il6,775.82

LIABILITIES
Demand deposits ... $ Time and savings deposits ...... Deposits of U. S. Government . Deposits of States and political sub-
divisions ...... Deposits of banks .... Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ......... Other liabilities .................. . Capital notes and debentures ....... . Preferred stock ... , .. Common stock ...... Surplus ......... , .. , , , Undivided profits ........ Reserves ......

869,258.52 256,506.05
5,464.40
297,470.10 None
8,507.55 None
None 17,173.76
None None 125,000.00 75,000.00 59,395.44 3,000.00

Total Liabilities ............... $ 1,716,775.82

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF SCREVEN COUNTY Sylvania (Screven), Ga.

As called for by the Superintendent of Banks

C. L. MILLER, President.
Date of Charter: 4-10-1911

D. L. MURRAY, Cashier.
Began Business: 2-28-1930

ASSETS

Cash, balances with other banks, and

cash itPms in process of collection .. $ 1,011,317.58

Unitt'd States Government obliga-

, tions, direct and guaranteed ..... . )'~ Obli~ations of States and political

671,965.56

subdivisions .................

969,819.19

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Other !'iecuritics, corporate stocks and

499,937.50

stock in Federal Reserve Bank ....

Loans and discounts, including over-

drafts ......................... 3,103,799.93

Bank premise-s, furniture and fixtures,

and other assets representing bank premises ..................

15,000.00

Real estate owne-d otht>r than bank premises ....................

None

Customers' liability to this hank on acceptances outstanding ........ .

None

Other assets .................

None

-----

Total Assets .. , ............... $ 6,27 1,839.76

LIABILITIES
Demand deposits .... $ Time and savings deposits .. Deposits of U.S. Government ... Deposits of States and political sub-
divisions ............. Deposits of banks ... Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin~ ............ Other liabilities .. Capital notes and debentures ....... Preferred stock Common stock Surplus ......... Cndivided profits ................ . Reserves .......

2,597,173.61 2,419,729.66
50,528.72
614,Y'i',.83 None
15,71'>.19 ?\one
~one
None None None 200,000.00 200,000.00 173,736.75 None

Total Liabilities ............... $ 6,271,839. i6

140

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

FARMERS AND MERCI-IANTS BANK Sylvania (Screven), Ga.

As called for by the Superintendent of Banks

W. B. LOVETT, President.
Date of Charter: 2-18-1946

B. E. BLACKBURN,
Cashier. Began Business: 3-1-1946

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obliga!i?~S of States and political
subdiVJSIODS , , , , , , , , , , , , ,
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,corporatestocksand
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ................. . . Bank premises, furniture and fixtures,
and other assets representing bank premises ....................... . Real estate 0'\\'ned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .

744,819.12 835,586.98 599,290.37
100,000.00 None
I ,260,784.88
15,424.09 None None None

Total Assets .................. $ 3,555,905.44

LIABILITIES
Demand deposits ............ $ Time and savings deposits ........ Deposits of U.S. Government ..... . Deposits of States and political sub-
divisions ....................... . Deposits of banks ............... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ............ Other liabilities .................. Capital notes and debentures ....... . Preferred stock ................ Common stock ................. . Surplus ....... , ............... , . Undivided profits ............... Reserves .....................

1,391,363.9:i I ,418,433.83
16,603.55
430,899.58 None
6,i86.86 None
None None None None !00,000.0(1 102,000.00 89,817.67 None

Total Liabilities ............... $ 3,555,905.44

STATEMENT
Showing condition at the close of business December 31, 1965, of
BANK OF WORTH COUNTY Sylvester (Worth), Ga.

As called for by the Superintendent of Banks

W. J. CROWE, President.
Date of Charter: 4-28-1945

LEONARD SUMNER, Cashier.
Began Business: 11-1-1945

ASSETS

Cash balances with other banks, and

cas'h items in process of collection .. $ United States Government obliga-

457,245.39

tions, direct and guaranteed..: .. Obliga~ic;~s of States and political

355,369.38

subdiVISIOns ..... ...... . Securities of Federal agencies and

378,043.26

corporations not guaranteed by

u.s.
Other securities, corporate stocks and

600,125.00

stock in Ft>deral Rt>st'rve Bank ....

None

Loans and discounts, including over-

drafts . . . . . . . . . . . . . . . . . . . . . . . . . 2, 722,545.26

Bank premises furniture and fixtures,

and other a'ssets representing bank

premises ....................... .

48,125.96

Real estate owned other than bank

premises ....................... .

Non~

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Otber assets . . . . . . . . . . . . . . . . . . . . . .

6, 723.48

-----

Total Assets .................. $ 4,568,177.73

LIABILITIES
Demand deposits .......... $ Time and savin~s deposits ........ Deposits of U. S. Government .... Deposits of States and political sub-
divisions ...................... Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstandin~ ................. Other liabilities .............. Capital notes and debentures ....... . Preferred stock ........... Common stock ......... Surplus ......................... Cndivided profits ............... Reserves ......................... .

2.095,461.42 1,711,205.88
18,929.85
250,168.25 48,715.61 68,231.14
None
None 59,834.21
None
?\on~
!00,000.00 IOO.OOO.UO 103.131.37 12,500.00

Total Liabilities .......... $ 4,568,177.73

FORTY-SIXTH ANNUAL REPORT

141

STATEMENT Showing condition at the close of business December 31, 1965, of
SYLVESTER BANKING COMPANY Sylvester (Worth), Ga.
As called for by the Superintendent of Banks

T. M. PURDOM, President.
Date of Charter: 7-5-1898

D. NEIL PIERCE, Cashier.
Began Business: 7-1898

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 780,005.59

United States Government obliga-

tions, direct and guaranteed ..... . 2,311,051.25 Obli~a.ti?l!s of States and political

subdiVISIOflS

93,389.79

Securi ties of F edera1 agencies and

corporations not guaranteed by

u.s.
Other securities, coroorate stocks and

300,000.00

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts .............. Bank prt'mises, furniture and fixtures,

3,612, 768.83

and other assets representing bank

premises ....................... .

64,000.00

Real estate owned other than bank

premises ......................

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other assets ..................... .

None

-----

Total Assets .................. $ 7,161,215.46

LIABILITIES
Demand deposits ................. $ Time and savings deposits Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ............... Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
ing ooooooo Other liabilities ................. .. Capital notes and debentures ....... .
Preferred stock .............. Common stock ...... Surplus ......................... . Undivided profits ................ . Rcs~rves ....... o o. o

3,109,495.34 3, 119,761.40
40,010.87
250,586.63 None
53,000.99 None
None 73,360.23
None Nono 150,000.00 150,000.00 215,000.00 Nono

Total Liabilities ............... $ 7,161,215.46

STATEMENT

Showing condition at the close of business December 31, 1965, of PEOPLES' BANK OF TALBOTTON, GEORGIA Talbotton (Talbot), Ga.
As called for by the Superintendent of Banks

MRS. ELIZABETH P. PERSONS,
President. Date of Charter: 12-9-1890

MISS MARY SL-\DE, Cashier.
Began Business: 1-13-1891

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed......
Obligations of States and political ;ubdivisions . . . . . . . . . . . . . . . . .
Securities of Federal agencies and
cuo.rsp.ora.t.i.o.n.s. .n.o.t. ..g.u.a.r.a..n.t.e.e. d. . .b. y.
Other s~curitics, corporate stocks and ~tock in Federal Reserve Bank. . . .
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtures, and other assets representing bank premises o o o oo...........
Real estate owned other than bank premises ...................... , ,
o.... Customers' liability to this bank on acceptances outstanding Other assets . . . . . . .
Total Assets , , , , . , , , $

297,320.85 387,370.36
17,393.05
154,000.00 None
536,938.35
2.nn
1.00 None None 1,393,025.61

LIABILITIES
Demand deposits ................. $ Time and savings deposits Deposits of U. S. Government ..
Ddi~i~J~n~f. ~:~~es an-~. ~~:i~ical ~~~~
Deposits of banks ............. Certified and officers' check<;, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
~ount of this bank and outstand-
Ing . o Other liabilities ................. .. Capital notes and debentures ....... .
Preferred stock .............. Common stock .. o Surplus ...... o o o oo o Undivided profits ................ . Reserves . o.

609,996.66 223,009.92
9,586.99
418,90].18
1'\on~
21.f1t)
....~ lf:'
~one
None None None 25,000.00 25,000.00 78,999.86 2,500.00

Total Liabilities ............... $ 1,393,025.61

142

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

WEST GEORGIA BANK OF TALLAPOOSA, GEORGIA Tallapoosa (Haralson), Ga.

As called for by the Superintendent ~ ~anks

W. I. LANIER, President.
Date of Charter: 12-6-1948

SAM CHEATWOOD,
Cashier. Began Business: 7-6-1949

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obli~a~i?~s of States and political
SubdiVISIOns , , , , ,
Securities of Federal agencies and coroorations not guaranteed by U.S........................... .
Othf'r st'curities, coroorate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including over-
drafts ............. ... Bank premises, furniture and fixtures,
and other assets representing bank premises ....................... Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .

1,052,794.12 535,613.65 130,825.67
392,237.50 None
1,239,783.14
45,241.18 16,000.00
None 7,916.67

Total Assets .................. $ 3,420,411.93

LIABILITIES
Demand deposits ............... $ Time and sa\'ings deposits ........ Deposits of U. S. Government ..... Deposits of States and political sub-
divisions ............. o o. Deposits of banks ....... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding .................. o Other liabilities ............... Capital notes and debentures ....... . Preferred stock ................ Common stock ................. Surplus ........................ Undivided profits ........ o o o Reser\cs . o o o o o o. o o. o.

1,876,386.25 1,129,192.28
78,118.75
117,418.94 None
15,110.12 None
None None None None 50,000.00 100,000.00 54,185.59 None

Total Liabilities ......... $ 3,420,411.93

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF TAYLORSVILLE Taylorsville (Bartow), Ga.

As called for bv the Superintendent of Banks

HOLMES NEEL, President.
Date of Charter: 6-6-1905

W. R. GIBBS, Cashier.
Began Business: 6-13-1905

ASSETS
Cash, balances with other banks, and
cash items in process of collection.$ United States Government obliga-
tions, direct and guaranteed...... Obli15a!i~n'!s of States and political
subdtvtsiOns ........... o o.. Securities of Federal agencies and
corporations not guaranteed by
U.S. .. .. .. .. .. . . .. .. .. .. . .. .. .. Other securities, corporate stocks and
stock in Federal Reserv(' Bank. o..
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtures, and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Real estate owned other than bank premises .... o o o
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .

155,952.71 450,696.99
None
125,029.69 None
659,032.70
2,691.00 None N ono 400.00

Total Assets ....... , .......... $ 1,393,803.09

LIABILITIES

Demand dcposi ts ............ $ Time and savings deposits .. o. o Deposits of U. S. Government o. o. o o Deposits of States and political sub~
divisions ...... o o o o o. o. Deposits of hanks .... o o. Certifird and officers' checks, etc.. Other liabilities for borrowed monPy. Acceptances executed by or for ac-
count of this bank and outstand-

Ill~

o,, o,,,,, o,,,,, o. o o o o oo,

Other liabilities .....

Capital notes and debentures ....... o

Preferred stock o o. o o o.

Common stock ... o o

Surplus .... o o

Undivided profits ...........

Reserves ........ o o o. o o o o

627,350.66 400,531.09
42,932.69
104,076.52 None
1,592.20 -;s-one
None None None None 25,000.00 100,000.00 92,319.93 Nono

Total Liabilities ....... $ 1,393,803.09

----------------F-O-R-T-Y--S-I-X-TH--A-N-N-U-A-L-R-E-P-O-R-T-------------- 143
STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF TEMPLE Temple (Carroll), Ga.

As called for by the Superintendent of Banks

J. H.. THOMAS,
President. Date of Charter: 11-25-1946

L. G. LYELL, Cashier.
Began. Business: 7-1-1947

ASSETS
Cash, balancc-s with other banks,_ and cash items in process of collectlOn . $
United States Government obligations. direct and guaranteed ..... .
Obli~ations of Stat('s and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other set'uritics, corporate stocks and stock in Federal Rt."serve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premisf's, furniture and fixtures, and other assets representing bank premises .......................
Real estate owned othf'r than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

147,499.20 155,953.75
None
109,58L10 None
138,729.66
I ,258.77 None None None
553,028.88

LIABILITIES
Demand deposits .................. $ Time and savings deposits ........ . Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions .................. Deposits of banks ................ Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances t>xecuted by or for ac-
count of this bank and outstanding ...................... Otht>r liabilities .................. . Capital notes and debentures ....... . Preferred stock ................ Common stock ................ Surplus ................ , ...... , .. Und'vided profits ........... , .... Reserves ...................

420,959.25 10,000.00 None
28,004.67 None None None
None 2,626.97
None None 25,000.00 25,000.00 41,437.99 None

Total Liabilities ............... $ 553,028.88

STATEMENT

Showing condition at the close of business December 31, 1965, of

TENNILLE BANKING COMPANY Tennille (Washington), Ga.

As called for by the Superintendent of Banks

W. B. SMITH, President.
Date of Charter: 4-4-1900

CHARLES V. SMITH, Cashier.
Began Business: 4-1900

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 549,414.37

United States Government obliga-

tions, direct and guaranteed ..... .

499,830.00

Obligations of States and political

subdivisions ............ , ....... .

74,000.00

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Other securitiC's, corporate stocks and

None

stock in Federal Reserve Bank....

None

Loans and discounts, including over-

drafts ......................... . 2,437,666.29

Bank premises, furniture and fixtures,

and ?ther assets representing bank

premises ....................... .

35,191.78

Real estate owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . . - - -16,0-54-.75

Total Assets .................. $ 3,612,157.19

LIABILITIES
Demand deposits ................ $ Time and savings deposits ........ . Deposits of U.S. Government ..... .
Ddi~i~J~n~f. ~~~:e_s_ .a.~~. ~~~i~ical ~~~~
Deposits of banks .............. Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandIng , , . , , , . , , , , , , ... , , , , , .. , . , , . Other liabilities ................. Capital notes and debentures ....... . Preferred stock ................. . Common stock ... Surplus ........................ Undivided profits ............ Reserves ...................

1,172,913.49 1,649,718.04
24,503.92
399,487.89 None
2,792.36 Kone
None None None None 100,000.00 200,000.00 62,741.49 Kone

Total Liabilities ........ , .. , ... $ 3,612,157.19

144

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1965, of
BANK OF UPSON Thomaston (Upson), Ga.
As called for by the Superintendent of Banks

CHAS. M. PASLEY, JR., President.
Date of Charter: 6-23-1951

H. D. STOREY, JR., Cashier.
Began Business: 10-1-191il

ASSETS

Cash, balances with other banks, and

cash items in proccss of collection .. $ 570,952.31

United States Gov<'rnment obligations, direct and guaranteed ..... .

I ,650,633.50

Obligations of States and political

subdivisions .................... .

323,917.81

Securities of Federal agenci('s and

corporations not guaranteed by

U.S........................... .

None

Othrr securities, corporate stocks and

sto<'k in Ff'deral Res{'fVC Bank ....

None

Loans and discounts, including over-

drafts ......................... . 2,469,304.46

Bank premises, furniture and fixtures,

and other assets reprcs('nting bank premises .......................

174,950.70

Real f'statc owned other than bank premiscs ....................... .

None

Customers' liability to this bank on

acceptance's outstanding . . . . . . . . .

Nonc

Other assets . . . . . . . . . . . . . . . . . . . . . . - - -I ,2-46.-75

Total Assets .................. $ 5,191,005.53

LIABILITIES
Demand deposits ....... $ Time and savin'{s deposits ........ Deposits of U. S. Government ... Deposits of States and political sub-
divisions ....................... Deposits of banks ............. Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstandin'{ . Otht>r liabilities ................ Capital notes and debentures ......
Preferred stock ......... Common stock ... Surplus ..................... Undivided profits ............... .. Reserves ......................

1,930,377.14 2,091,019.52
63,598.79
413,628.66 128,155.55
6,584.51 None
None 44,592.49
None None 270,000.00 190,000.00 53,048.87 None

Total Liabilities ............... $ 5,191,005.53

STATEMENT

Showing condition at the close of business December 31, 1965, of

CITIZENS & SOUTHERN BANK OF THOMASTON, GEORGIA Thomaston (Upson), Ga.
As called for by the Superintendent of Banks

C. B. JENKINS, JR., President.
Date of Charter: 1-18-1926

JACK B. HUTCHINSON, Cashier.
Began Business: 2-28-1930

ASSETS
Cash, balanccs with other banks, and cash itPms in process of collection .. $
Unitt>d States Government obligations. direct and guaranteed ..... .
Obliga~i<:n~s of States and political subdiVISIOns . , . , ... , . , ...... , , . , .
SecuritiPs of Federal agencies and
cuo.rsp.o.r.a.t i.o.n.s. .n.o.t. . .g.u.a.r.a.n. .t e. .e.d. . .b y.
OthPr securities, corooratc stocks and stock in FPdt>ral Rest'rvc Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premis<'s, furniture and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

1,257,397.59 3,657,227.88 1,637,932.53
None 2,625.00 6,424,818.70
118,365.72 None None
86,211.48

Total Assets .................. $ 13,184,578.90

LIABILITIES
Deruand deposits .............. $ Time and savings deposits ........ . D(:posits of U. S. Government ..... . Deposits of States and political sub
divisions ....................... . Deposits of banks ................ Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac
count of this bank and outstand~ ing ................... Other liabilities .................. . Capital notes and debentures ....... . Preferred stock ................ Common stock ................. . Surplus ......................... . Undivided profits ............... Reserve:> ...................

5,383,804.89 5,195,238.85
!60,403.22
1,149,990.05 None
I ,013.96 None
None 380,062.81
None None 400,000.00 400,000.00 !14,065.12 None

Total Liabilities ............... $ 13,184,578.90

FORTY-SIXTH ANNUAL REPORT

145

STATEMENT

Showing condition at the close of business December 31. 1965, of

BANK OF THOMAS COUNTY Thomasville (Thomas), Ga.

As called for by the Superintendent of Banks

H. B. GURLEY, President.
Date of Charter: 2-3-1937

JOE J. KEYTON, Cashier.
Began Business: 2-15-1937

ASSETS
Cash, balances with other banks, and cash i terns i !l process of collection .. $
United States Government obliga~ tions. direct and guaranteed ..... .
Obli~ations of States and political . subdivisions .................... . Securities of Federal agencies and
corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Fcdcral Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ....................... .
Real estate owned otht:-r than bank premises .......................
Customers' liability to this bank on acceptances outstanding ..... oo..
Other assets ..... o............... .

1,291,670.20 3,080,962.89
922,012.04
500,000.00 None
5, 120,870.70
145,853.38 13,000.00 None 32,584.65

Total Assets .................. $ 11,106,953.86

LIABILITIES

Demand deposits ................. $ Time and savings deposits o o
Deposits of U. S. Government ..... .
DJi~i;it~0~. ~:~~es .a.~~ :~~i~~cal ~~~:

Deposits of banks ...............

Certified and officers' checks, etc... 0

Other liabilities for borrowed money.

Acceptances executed by or for ac

0. count of this bank and outstand-

ing

. ooo o

Other liabilities . o o. o o o o o

Capital notes and debentures o.... o. o

Preferred stock .. o..............

Common stock .. o o. o

Surplus ... o. o o. o o o o o o o o o. o o

Undivided profits ..... o ......... o.

. . . . . . Rcs~rves

o

4,927,148.41 3,436,656. 72
303,901.25
1,221,678.67 103,367.48 93,880.99 None
None 218,320.55
None None 180,000.00 570,000.00 51,999.79 None

Total Liabilities .... $ 11,106,953.86

STATEMENT

Showing condition at the close of business December 31, 1965, of COMMERCIAL BANK
Thomasville (Thomas), Ga.
As called for by the Superintendent of Banks

L. D. FERGUSON, President.
Date of Charter: 7-3-1916

A. F. KIMBROUGH, Cashier.
Began Business: 7-22-1916

ASSETS
Cash, balances with other banks. and cash items in process of collection o. $
United States Government obligations, direct and guaranteed. o.. o.
Obliga~i?'!s of States and political subdiVISIOnS , , , , , , , , , , , , , o, , . o...
Securities of Fcderal agencies and corporations not guaranteed by
Otuh.esr. securities,corporatestocksand
'i tock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixtures,
and other assets representing bank premises o. o o o o o. o o o o o. o. o. o o Real estate owned other than bank premises . o o o o. o Customers' liability to this bank on acceptances outstanding ..... o. Other assets ... o o o

2,817,135.91 3,504,379.00 I ,232,102.87
None None 6,731,983.63
144,639.72 3,580.87 None
128,991.06

Total Assets $ 14,562.813.06

LIABILITIES
Demand deposits ................. $ Time and savings deposits o o o o o Deposits of U. S. Government ....
DJi~i;it~n~f. ~:~~es .a.~~. :~~i~iocaol ~~~~:
Deposits of banks ................ . Certified and officers' checks. etc... o Other liabilities for borrowed- money o Acceptances executed by or for ac
count of this bank and outstanding ........ o o o o Other liabilities .................. . Capital notes and debentures .. 0 0
Preferred stock ......... 0 Common stock o o o o o Surplus ..... o. o. o o o o o o o Undivided profits ................ . Reserves o o. o o o. o o o o. o

7,447,88.1.59 4,739,117.36
190.230.50
934,686.27 56,765.96 77,520.54 NGne
None 253,642.49
None None 312,500.00
487,~00.00
62,966.35 None

Total Liabilities $ 14,562,813.06

146

DEPARTMENT OF BANKE\G

STATEMENT Showing condition at the close of business December 31, 1965, of
BANK OF THOMSON Thomson (McDuffie), Ga. As called for by the Superintendent of Banks

W. E. HUNT, President.
Date of Charter: 12-30-1890

W. F. BECKUM, JR., Cashier.
Began Business: 1891

ASSETS
Cash balances with other banks, and cash items in process of collcctio_n .. $
United States Government obliga-
tions, direct and guaranteed..: .. Obli~a!i?~s of States and poht1cal
subd!VlSJOllS , , , ,
Securities of FPderal agencies and corporations not guaranteed by U.S........................... .
Other securities, coroorate stocks and stock in Ff'dcral Rl:'sl:'rvc Bank ....
Loans and discounts, including over-
drafts ................... . Bank premises furniture and fixtures,
and other a'ssets representing bank premises ....................... Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .

1,135,096.94 1,185,049.09
713,677.96
99,877.84 None
2,403,630.38
95,348.28 None None
23,660.76

Total Assets .................. $ 5,656,341.25

LIABILITIES

Demand deposits ....... o o o o o o o $

Time and savings deposits .'.... o

Deposits of U. S. Governme.n.t ..... o

Deposits of States and pohucal <>Ub

divisions o o o o o. o o o o o o o o. o o

Deposits of banks ......

Certified and officers' checks. etc.. o o

Other liabilities for borrowed. money.

Acceptances executed by or for ac-

count of this bank and outstand-

in~

...... o. o o o o o o o o o o o. o o

Other liabilities . o o o. o o o o, o o o

Capital notes and debenture;;, o o

Preferred stock o. o o o

Comn1on stock .... o. o o o o o o.

Surplus ...... o o o. o. o o.

L7ndivided profits 0 o o o o o o

l{eser\es . 0. o o o o o o. o

o o. o o o.

2,830,563.50 1,867,629.09
47,142.07
300,302.39 None
39,222.18 None
None 12,000.00
None None 150,000.00 225,000.00 184,482.02 None

Total Liabilities ............... $ 5,656,341.25

STATEMENT Showing condition at the close of business December 31, 1965, of
THE BANK OF TIFTON Tifton (Tift), Ga.
As called for by the Superintendent of Banks

JOHN E. PARKERSON, President.
Date of Charter: 10-10-1891

L. W. GAULDING, Cashier.
Began Business: 1896

ASSETS
Cash, balances with other banks, and cash items in nrocess of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obliga~i?~s of States and political subdtv1s1ons ... o _
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,corporatestocksand
stock in Ff'deral Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank premises ....... o 0 o. o Customers' liability to this bank on acceptances outstanding ........ . Other assets ........ o 0 o

I ,408,438.68 3,383,204.27 1,344,569.77
None None 7,152,884.04
102,374.67 60,000.00
None 45,574.89

Total Assets .................. $ 13,497,046.32

LIABILITIES
$ Demand deposits o o o o Time and savings deposits o o Deposits of U.S. Government . o Deposits of States and political sub~
divisions ......... o. o o o o. o. Deposits of banks ...... o o o o Certified and officers' checks, etc.. o o Other liabilities for borrowed monf'y. Acceptances executed by or for ac~
count of this bank and outstanding ...... o o o. o" o. o Other liabilities ......... , , Capital notes and debentures .. o o o
Preferred stock . o o. o o o o o o Common stock o o o Surplus ......... o o o Undivided profits . 0. 0 o o o
Res~rYe:: o. o o o

5,321,999.33 3,607,436.37
198,873.22
1,908,597.26 537,175.58 35,933.89 None
None 602,852. ii
None None 400,000.00 500,000.00 234,315.26 149,862.64

Total Liabilities .......... , , $ 13,497,046.32

FORTY-SIXTH ANNUAL REPORT

147

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE CITIZENS BANK OF TIFTON Tifton (Tift), Ga.

As called for by the Superintendent of Banks

WM. W. CONOLY, President.
Date of Charter: 2-24-1948

JOHN T. BARGE, Cashier.
Began Business: 4-15-1948

ASSETS

Cash, balanns with other banks, and

cash items in process of collection .. $ 684,773.84

United States Government obliga-

tions. direct and guaranteed ..... .

822,189.25

Obligations of StatPs and political

subdivisions ..................

269,387.05

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Other securities, corporate stocks and

199,875.00

stock in Federal Reserve Bank .. ,,

~one

Loans and discounts, including over-

drafts ......................... . 3,166,257.23

Bank premises, furniture and fixtures,

and other assets representing bank

premises .....................

86,059.62

Real estate owned other than bank

premises .......................

55.150.00

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . .

233.18

---

Total Assets .................. $ 5,283,925.17

LIABILITIES
Demand deposits .................. $ Time and savings deposits ..... Deposits of U. S. Government ... Deposits of States and political sub-
divisions ........... Deposits of banks .......... Certified and officers' checks, ere.... Other liabilities for borrowed money. Acceptances executed hy or for ac-
count of this bank and outstandin~ ....... Other liabilities . Capital notes and debenturr5 ....... . Preferred stock ............. Cornman stack ...... Surplus ............... Undivided profits ....... Reserves ...

2,144,493.28 1,578,968.68
114,663.33
750,319.20 None
55,312.66 None
None 59,000.00
None None 225,01HI.ll0 275,000.00 61,168.112 20,000.00

Total Liabilities ............... $ 5,283,925.17

STATEMENT Showing condition at the close of business December 31, 1965, of

THE FARMERS BANK OF TIFTON Tifton (Tift), Ga.
As called for by the Superintendent of Banks

JOHN H. DAVIS, President.
Date of Charter: 12-21-1936

L. A. BRASWELL, Cashier.
Began Business: 2-24-1937

ASSETS
Cash. halancts with other hanks, and cash items jn proce5s of collection .. $
United Statf"s Govf"rnmcn t obli~ations, direct and guarant('C'd ..... .
Obliga~ic;l!s of States and political subdtYlSIOns ....................
Securities of Federal agencies and corporations not guaranteed by U.S........................... .
Other sPcurities. C'ornoratc stocks and stock in Ftderal ResenT Bank ....
Loan~ and discounts, including OVf'rdrafts .........................
llank premisec;, furniture and fi-.;:turc<>, and other asse-ts repre.;;enting bank premises .......................
Real estate owned othC'r than hank premi~es ....................... .
Customer.:,' liability to this hank on acC'C'ptances outstanding ........ .
Other assets ..................... .

795,909.81 2,140,747.05
933.354.36
440,015.42 :\one
4, 132.809.34
147,757.61 Kane None
40.182.61

Total Assets .................. $ 8,830, 776.20

LIABILITIES
Demand deposits .................. $ Time and savings deposits ... Deposits of U. S. Government . Deposits of States and political sub-
divisions ......... ,. .. Deposits of banks ........ Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin~ ................. Other liabilities .......... Capital notes and debentures ....... . Preferred stock . Common stock Surplus ......... , , , .... , , T'ndivided profits ...... Reserves .............

3, 774,155.37 2,633,304.44
115,740.03
1,083.939.11 7.699.08
60,531.17 200,000.00
None 134,630.88
None None 160,000.00 440,000.00 220,776.10 None

Total Liabilities ............... $ 8,830, 776.20

148

DEPARTMENT OF BANKIKG

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE BANK OF TIGNALL Tignall {Wilkes), Ga.

As called for by the Superintendent of Banks

L. D. WARE, President.
Date of Charter: 7-5-1909

L. D. WARE, Cashier.
Began Business: 8-1909

ASSETS

Cash, balances with other banks, and cash items in process of collection .. $
United States Government obliga-
tions, direct and guaranteed ..... . Obli~ati~H!S of States and political

112,257.06 445,423.75

subdiVlSlOllS , , , , ,

None

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Other securities, corooratc stocks and

None

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts ......................... .

24,093.00

Bank premises, furniture and fixtures,

and other assets representing bank

premises ......................

1.00

Real estate owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding ........ .

Non"

Other assets ..................... .

None

----

Total Assets .................. $ 581,774.81

LIABILITIES
Demand deposits ............ $ Time and savings deposits ........ . Deposits of U. S. Government ..... . Deposits of States and political sub
divisions ....................... . Dcposi ts of banks ................ Certified and officers' checks. etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ............. Other liabilities ................. Capital notes and debentures ....... . Preferred stock ............... Common stock ................. Snrnlus ......................... Undivided profits ............. Reserve:; ..................

454,440.61 None 475.00
65,759.20 Nona None Nono
None 3,100.00
None None 25.000.00 15,000.00 18,000.00 None

Total Liabilities ...... $ 581,774.81

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE BANK OF TOCCOA Toccoa (Stephens), Ga.

As called for by the Superintendent of Banks

WM. C. CLARY, JR., President.
Date of Charter: 8-10-1911

RAYMOND A. NEAL, Cashier.
Began Business: 9-1-1911

ASSETS

Cash, balances with other banks, and

cash itt:'ms in oroc('ss of collection .. $ 1,677,315.71 Unit('d States Government obliga-

tions, direct and guaranteed ..... . Obli~ations of States and political

927,954.00

subdivisions .................... . Securities of FcdPral agencies and

828,820.74

corporations not guaranteed by

Otuh.esr. Sf'Curiti('s,corooratestocksand

199,950.00

stock in Fedf'ral Rest:'rve Bank ....

None

Loans and discounts, including over-

drafts ......................... . 4,052,152.57

Bank premises, furniture and fixtures,

and other assets repres('nting bank

premises ....................... .

143,810.79

Real 'state owned other than bank

premises ....................... .

None

Customers' liability to this bank on

_ _ _ _ acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .

1\"one _1_:_.6_ 29.89

Total Assets .................. $ 7,831,633.70

LIABILITIES
Demand deposits ............ $ Time and savin~s deposits ........ . Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions ....................... Dtposits of banks ............... Certifit>d and officers' checks. etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ......................... Otht>r liabilitin .................. Caoital notl's and debentur~;"s ....... .
Preferrrd stock ............... Common stock ............ Strnlus ......................... . Tndivided profits ................ . Reser\es ......................... .

2,845,415.94 3,069,902.74
93,926.89
983,992.02 336,730.03
14,884.64 None
None 40,578.54
Nono None 100.000.00 275,000.00 71,202.90
~ono

Total Liabilities ....... $ 7,831,633.70

FORTY-SIXTH ANNUAL REPORT

149

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE CITIZENS BANK Toccoa (Stephens), Ga.

As called for by the Superintendent of Banks

WALLACE B. BRUCE, President.
Date of Charter: 5-25-1950

HENRY B. HAYES, Cashier.
Began Business: 3-16-1951

ASSETS

Cash, balances with other banks, and cash itt>rns in process of collection . $
United States Government obligations. direct and guaranteed ..... .
Obli~a~i?~S of States and political
subdtVlSIOllS , , , , , , ,
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,corporatestocksand
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixtures,
and other assets representing bank premises ..................... Real estate owned other than bank premises ......................

1,569,180.36 1,835,766.10
679,563.02
400,250.00 None
3,056,631.03
196,763.24 None

Customers' liability to this bank on

None

acceptances outstanding ........ .

Other assets ...................... _ _ _2_6_,3_5_9_.4_3

Total Assets .................. $ 7,764,513.18

LIABILITIES

Demand deposits . $ Time and savings deposits

Deposits of U. S. Government . o o o o o Deposits of States and political sub~

divisions .. o. o o o. o o o. o o o. o. o o o Deposits of banks ........

Certified and officers' checks, etc... Other liabilities for borrowed money o Acceptances executed by or for ac~
count of this bank and outstand-

ing .

Other liabilities o ................. .

Capital notes and debentures ....... .

Preferred stock ...............

Common stock 0. 0 0

Surpius . o

Undivided profits ..

Re:.~rvcs

o o o o o o o

3,383,322.72 2,273,973.40
217,152.04
1,297,232. 78 None
61,241.17 None
None None None None 150,000.00 250,000.00 50,591.07 81,000.00

Total Liabilities .... $ 7,764,513.18

STATEMENT Showing condition at the close of business December 31, 1965, of
BANK OF DADE Trenton (Dade), Ga. As called for by the Superintendent of Banks

GEO. H. HARRISON, President.
Date of Charter: 7-5-1955

R. M. MORRISON, Cashier.
Began Business: 1-12-1956

ASSETS
Cash, balances with other banks. and cash items in process of collection. o $
United States Government obligations, direct and guaranteed .. o o o
Obliga~i?~S of States and political subdiVISIOnS , , , , , , , , , , , , o , , ,
Securities of Federal agencies and
cuo.rsp.o.r.a.t i.o.n.s. .n.o.t. .g. .u.a.r.a.n. .t e. .e.d. . .b y.
Other securities, corporate stocks and stock in Federal Reserve Ilank ....
Loans and discounts, including over drafts .........................
Bank premises, furniture and fixtures, and other assets representing bank premises
Real estate owned other than bank premises o
Customers' liability to this bank on acceptances outstanding .. o o
Other assets . o o o , o o o o o
Total Assets .... $

324,854.45 669.379.35
84,306.97
150,071.15 None
1,389,657.58
11,900.18 None None None
2,630,169.68

LIABILITIES

Demand deposits $

Time and savings deposits

Deposits of U. S. Government o

De~o~i~s of States and political sub-

divisions .... o o o. o o o.

Deposits of banks ..........

Certified and officers' checks, etc... o

Other liabilities for borrowed money.

Acceptances executed by or for ac

~ount of this bank and outstand-

1ng

, ,. o o ,, , ,,,, ,. o

Other liabilities

Capital notes and debentures o

Preferred stock o o. o o o o o o

Common stock .

Surplu:; ... o o

Undivided profits ..

Reserves

854,998.47 I, 128,670.42
23,386.84
355,202.97 None
47,779.41 None
None 66,717.41
None None 50,000.00 75,000.00 28,414.16 Nona

Total Liabilities . $ 2,630,169.68

150

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE CITIZENS AND SOUTHERN BANK OF TUCKER Tucker {DeKalb), Ga.

As called for by the Superintendent of Banks

GUS L. CONNELLY, President.
Date of Charter: 10-29-1919

RAY F. BRIDGES, Cashier.
Began Business: 12-1919

ASSETS
Cash balances with other banks, and cas'h items in process of collectio_n .. $
United States Government obligations, direct and guaranteed ....: . .
Obliga~i?~s of States and pohttcal
subdtVlSIODS , , , , ,
Securities of Federal agencies and
cuo.rsp.o.r.a.t i.o.n.s. .n.o. t. . .g.u.a.r.a. n. .t e. .e.d. . .b y.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including over-
drafts ................... . Bank premises, furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .

663,535.92 1,357,665.58
513,5i8.30
None Nonn 3,344,8i6.19
76,191.06 None Nono
15,804.46

Total Assets ..................$ 5,9il,651.51

LIABILITIES
Demand deposits ........... $ Time and savings deposits ........ Deposits of U. S. Government ..... . Deposits of States and political sub-
divisions .................... Deposits of banks ....... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding- ........................... Other liabilities .................. Capital notes and debentures ....... . Preferred stock ................ . Comn1on stock ............... Surplus ....................... Undivided profits .............. Reserves ......................

3,361,151.53 1,569,194.97
57,887.29
168,151.86 None
68,140.84 None
None 273,707.41
Nono Nono 275,000.00 85,000.00 63,417.61 50,000.00

Total Liabilities ...... $ 5,971,651.51

STATEMENT

Showing condition at the close of business December 31, 1965, of

DURDEN BANKING COMPANY, INC. Twin City (Emanuel), Ga.

As called for by the Superintendent of Banks

B. LEWIS BRINSON, President.
Date of Charter: 6-26-1935

J. THOMAS DURDEN, Cashier.
Began Business: 7-5-1935

ASSETS
Cash balances with other banks, and cash i terns in process of collectiop .. $
United States Government obhgations, direct and guaranteed .... : ..
Obliga~i?'!S of States and political subdtVlSlOnS .. , , , ......
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,corporatestocksand
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ....................... Bank premises, furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .
Total Assets .................. $

319,745.55 755,756.06 212,701.37
100,023.40 None
1,227,836.95
17,477.04 None None None
2,633,540.37

LIABILITIES
Demand deposits ......... $ Time and savings deposits ........ Deposits of U. S. Government ..... . Deposits of States and political sub
divisions ...............
Deposits of banks ..... Certified and officers' checks. etc.... Other liabilities for borrowed' mon~y. Acceptances executed by or for ac-
count of this bank and outstandtng ........................ Other liabilities .......... Capital notes and debentures ....... . Preferred stock ............. Common stock ............ Surplus ...................... Undivided profits ............... Reserves .....................

1,100,838.20 1,051,691.23
23,963.35
188,542.04 13,416.51 15,725.19
None
None 5,000.00
None None 50,000.00 100,000.00 59,363.85 25,000.00

Total Liabilities ......... $ 2,633,540.37

FORTY-SIXTH ANNUAL REPORT

151

STATEMENT

Showing condition at the close of business December 31, 1965, of

EXCHANGE BANK OF UNADILLA Unadilla (Dooly), Ga.

As called for by the Superintendent of Banks

J. D. SPEIGHT,
President. Date of Charter: 4-19-1935

JIMMIE J. RYALS,
Cashier. Began Business: 4-22-1935

ASSETS

Cash, balances with other banks, and

cash itPms in process of collection .. $ 424,975.59

United States Government obliga-

tions, direct and guarantet:>d .....

365,375.75

Obliga~ic:n~s of States and political

subdtVISIOOS , ,

None

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Othet securities, corporate stocks and

150,000.00

stock in Ft.'deral Reserve Bank ....

None

Loans and discounts, including over-

drafts ......................... . 1,505,039.14

Bank premises. furniture and fixtures,

and other assets representing bank

premises .....................

11,719.30

Real estate owned other than bank

premises ..................

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other assets ..................... .

None

-----

Total Assets .................. $ 2,457,110.28

LIABILITIES
Demand deposits ............. $ Time and savings deposits ........ . Deposits of U.S. Government ..... . Deposits of Stales and political sub-
divisions ................. Deposits of banks ............... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandIng ..................... Other liabilities ..... Capital notes and debentures o Preferred stock . o o o. o. o o. o o Common stock ............. Surplus ... o o Undivided profits ................ . Reserves ....................

1,311,131.72 745,330.38 12,392.96
173,693.02 Nono
17,102.66 Nono
Nono 112.00 None Nono 50,000.00 100,000.00 38,334.56 9,012.98

Total Liabilities ............... $ 2,457,110.28

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF UNION POINT Union Point (Greene). Ga.

As called for by the Superintendent of Banks

RALPH L. RHODES, President.
Date of Charter: 5-15-1911

W. ALAN RAMSEY, Cashier.
Began Business: 5-1911

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed .... o.
Obliga~i(;n'!s of States and political subdJVJsJons . . . . . . . . . . . . . . . . . . . . .
Securities of Federal agencies and
uco.srp.ora.t.i.o.n.s. .n.o.t. . .g.u.a..ra. .n.t.e.e.d.. .b. y.
Other securities, corporate stocks and stock in Federal Reserve Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtures, and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Real estate owned other than bank premises . o o o o
Customers' liability to this bank on acceptances outstanding ... o o..
Other assets o o o
Total Assets .................. $

294,378.44 316,509.14 154,451.35
434,671.83 None
'191,207.65
9,164.97 None None None
2,200,383.43

LIABILITIES
Demand deposits .................. $ Time and savings deposits ...... Deposits of U. S. Government .... Deposits of States and political sub-
divisions ..................... Deposits of banks .............. Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandIng ............... 0 o Other liabilities ................. Capital notes and debentures ....... o Preferred stock .....
Common stock ................ .. Surplus .... o U ndividcd profits ........... Reserves ..................

720,312.10 957,423.24
25,800.i5
299,628.51 None
9,329.38 Nono
None None Nono None 50,000.00 100,000.00 37,889.45 None

Total Liabilities ............... $ 2,200,383.43

152

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE FARMERS BANK Union Point (Greene), Ga.

As called for by the Superintendent of Banks

JOHN B. STEWART, President.
Date of Charter: 9-6-1911

REUBEN H. FLYNT, Cashier.
Began Business: 9-6-1911

ASSETS
Cash, balances with other banks, and cash i terns in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obliga~ic;n~s of States and political
subdtVJSIOllS
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,corporatestocksand
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ......................... . Bank premises, furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank premises ..................... Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .

406,382.79 800,343.68
19,961.95
859,276.05 None
1,905,044.65
55,672.95 None None 230.16

Total Assets , , , , . , . , . , . , . , . , , , $ 4,046,912.23

LIABILITIES
Demand deposits ............. $ Time and savings deposits ........ . Deposits of U.S. Government ..... . Deposits of States and political sub-
divisions ....................... Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ........... Other liabilities .................. Capital notes and debentures ....... . Preferred stock ............. Common stock ................ Surplus ......................... . Undivided profits ....... Reserves ............

981,192.46 2,328,761.99
24,657.47
447,594.76 None
14,310.46 None
None Nono Nono Nono 100,000.00 100,000.00 50,395.09 None

Total Liabilities ... $ 4,046,912.23

STATEMENT

Showing condition at the close of business December 31, 1965, of

FIRST STATE BANK Valdosta (Lowndes), Ga.

As called for by the Superintendent of Banks

REA STEELE, President.
Date of Charter: 1-22-1906

MELVIN PLAIR, Cashier.
Began Business: 3-i906

ASSETS
Cash, balances with other banks, and cash i terns in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Ob!il(a~i<;H!S of States and political subdiVISIOns .... , . , . , , , . , . , .... , .
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,corooratestocksand
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ......................... Bank premises, furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ . Other assets ..................... .

1,539,046. 78 1,219,921.00
701,001.00
549,705.00 None
3,620,590.47
89,033.40 None None None

Total Assets .................. $ 7,719,297.65

LIABILITIES
Demand deposits .................. $ Time and savin~s deposits ....... Deposits of U. S. Government .... Deposits of States and political sub-
divisions .................... Dcposi ts of banks ............... Certified and officers' checks, etc. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding- .......... Other liabilities ............ Capital notes and debentures ...... Preferred stock ...... Common stock ....... Surplus ........................ Undivided profits ............ Reserves ....................

3,239,478.30 1,952,819.34
83,190.08
1,635,630.72 176,082.75 42,146.43 None
Nono 20,250.00
None None 225,000.00 225,000.00 119,700.03 Nono

Total Liabilities ............... $ 7,719,297.65

FORTY-SIXTH ANNUAL REPORT

153

--------------------

STATEMENT

Showing condition at the close of business December 31, 1965, of
BRICE BANKING COMPANY, INC. Vidalia (Toombs), Ga.

As called for by the Superintendent of Banks

T. H. BRICE, President
Date of Charter: 9-7-1965

LIZZIE GUIN, Cashier
Began Business: 10-14-1965

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 652,156.53

United States Government obliga-

tions, direct and guaranteed ..... .

889,678.11

Obliga!i?"!S of States and political

subdiVISlOllS , , , , , , , o. o. o. o. o. o

None

Securities of Federal agencies and

corporations not guaranteed by

Otuh.esr. securities,corporatestocksand
stock in Federal Reserve Banko 0 0

None
Non(~

Loans and discounts, including over-

drafts ........................

846,942.38

Bank premises, furniture and fixtures,

and other assets representing bank prenllses o. o... ooooo. o. o.. o.....

22,853.53

Real estate owned other than bank premises .. ooo. o. o. o. o. o. o. o. o. 0.

None

Customers' liability to this bank on acceptances outstanding . oo.. o. o.

None

Other

assets

.

.

..

.

..

.

..

.

..

.

..

.

..

.

.

.

-

-

-

-

-

-

None
---

Total Assets .................. $ 2,411,630.55

LIABILITIES
Demand deposits $ Time and savings deposits . Deposits of U. S. Government ...
Ddi~i!f~n~. ~:~:es .a.~~. :~~i~~cal ~~~~
Deposits of banks ..... Certified and officers' checks. etc... Other liabilities for borrowed- money. Acceptances executed by or for ac-
count of this bank and outstanding ... Other liabilities Capital notes and debentures .. _.... Preferred stock .......... Common stock Surplus .. Undivided profits
Reserves

1,906,016.79 19,850.00 9,729.49
147,034.40 Nono
13,263.28 None
Nono 6,180.32
None None 100,000.00 150,000.00 59,048.11 508.16

Total Liabilities .... $ 2,411,630.55

STATEMENT

Showing condition at the close of business December 31, 1965, of

DARBY BANKING COMPANY, INC. Vidalia (Toombs), Ga.

As called for by the Superintendent of Banks

J. F. DARBY, JR., President.
Date of Charter: 6-22-1934

D. L. GORDON, JR. Cashier.
Began Buainesa: 7-1-1934

ASSETS

Cash, balances with other banks. and

cash items in process of collection o. $ 1,027,792.15

United States Government obliga-

tions, direct and guaranteed.....

706,197.73

Obliga~i?J!S of States and political

subdiVlSIOnS .. , . , , , , , , , o, ,

340,503.28

Securities of Federal agencies and

cuo.rsp.o.r.a.t i.o.n.s. .n.o.t. .g. .u.a.r.a.n. .t e. .e.d. . .by.

899,937.50

Other securities, corporate stocks and

stock in Federal Reserve Bank ..

None

Loans and discounts, including over-

drafts ..................... I ,527,025.87

Bank premises, furniture and fixtures,

and other assets representing bank

premises

18,097.88

Real estate owned other than bank

premises . o o o o o o o

None

Customers' liability to this bank on

acceptances outstanding o.

None

- - - - - - - - Other assets o o o o o o

None

Total Assets $ 4,519,554.41

LIABILITIES
Demand deposits $ Time and savings deposits Deposits of U. S. Government ..
Ddi~i~l~n~. ~~~~es .a.~~ . :~~i~~cal ~~~~
Deposits of banks ......... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
ing oo Other liabilities Capital notes and debentures ....... .
Preferred stock .......... Common stock .. Surplus ... o Undivided profits Reserves o o. o. o o

2,352,803.95 959,422.48 91,024.78
547,650.40 158,855.87 15,631.00
None
None 55,520.25
None Nono !50,000.00 !00,000.00 88,645.68 Non{t

Total Liabilities $ 4,519,554.41

154

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

CITIZENS BANK Vienna (Dooly), Ga.

As called for by the Superintendent of Banks

W. G. WILLIAMSON, President.
Date of Charter: 6-24-1931

A. J. JARVIS,
Cashier. Began Business: 7-1-1931

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
Jnited States Government obligations, direct and guaranteed ..... .
Obli~a~i<;n~s of States and political
subdiVISIOllS , , , , ,
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corooratc stocks and stock in Federal Reserve Bank ....
Loans and discounts, including over-
drafts ................... Bank premises, furniture and fixtures,
and other assets representing bank premises ....................... . Real estate owned other than bank
premises ................. . ... . Customers' liability to this bank on
acceptances outstanding ........ . Other assets ..................... .

367,789.62 615,551.14
39,750.00
500,000.00 Nono
1,287,335.74
12,928.98 Nono None
1,063.57

Total Assets .................. $ 2,824,419.05

LIABILITIES
Demand deposits ................... $ Time and savings deposits ..... Deposits of U. S. Government ... Deposits of States and political sub-
divisions ......... Deposits of banks ................ . Certified and officers' checks, etc... . Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin~ ......................... Other liabilities ................ Capital notes and debentures ....... . J->referred stock ................ . Comn1on stock ............ Surplus ...................... Undivided profits .............. Reserves ..... o o

1,456,351.89 564,696.18 11,685.47
457,612.57 None
28,007.83 None
None None Nono None 50,000.00 150,000.00 106,065.11 None

Total Liabilities ............... $ 2,824,419.05

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF VILLA RICA Villa Rica (Carroll), Ga.

As called for by the Superintendent of Banks

J. G. KNIGHT, JR. President.
Date of Charter: 5-4-1899

SAM C. ANDERS, Cashier.
Began Business: 5-1899

ASSETS
Cash, balances with other banks, and cash items in process of collection.$
United States Government obligations, direct and guaranteed ... o
Obliga~i<;n~s of States and political subdiVISIOnS ........ , ........... .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ..... o o
Real estate owned other than bank premises ... o o o. o
Customers' liability to this bank on acceptances outstanding .... o o. o
Other assets ........... o o

1,018,822.37 1,504,095.31
188.737.05
None None 1,448,028.83
26,500.00 None None
6,244.63

Total Assets .................. $ 4,192,428.19

LIABILITIES

Demand deposits .................. $

Time and savings deposits ...... Deposits of U. S. Government ..... Deposits of States and political sub-

divisions o
Deposits of banks ...... Certified and officers' checks~ etc.... Other liabilities for borrowed mom~y. Acceptances executed by or for ac~

count of this bank and outstand-

ing

. o. o o

Other liabilities ....... , ..

Capital notes and debentures o Preferred stock .............. o Common stock .. o o
Surplus ......... o
~~s~~~~~se~ . ~~~~i ~~ . : : : : : : : : :~-~ : : : : : :

1,998,580.40 1,130,602.01
76,807.65
262,484.58 346,791.29
11,202.73 None
None 21,910.00
None :f':Jone 100,000.00 100,000.00 94,049.53 50,000.00

Total Liabilities ............... $ 4,192,428.19

FORTY-SIXTH ANNUAL REPORT

155

----------------------------------------------------

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF WADLEY Wadley (Jefferson), Ga.

As called for by the Superintendent of Banks

S. P. CHAPMAN, JR., President.
Date of Charter: 1-29-1902

P. G. EDENFIELD, JR., Cashier.
Began "Business: 1-1902

ASSETS

Cash, balances with othrr banks, and

cash items in process of collection .. $ 165,036.47

United Statf's Government obliga-

tions. direct and guaranteed ..... .
~ o~~hd~~y2~nsor ..~:~t.e~ ..~~~ ..~~~-i :i.e~~

460,694.25 197,068.07

Securities of Federal agencies and

corPorations not guaranteed by

u.s.
Other securities, corooratc stocks and

99,906.25

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts ................... . 1,116,131.59

Bank premises. furniture and fixtures,

and other assets representing bank

premises ......................

35,994.04

Real estate owned other than bank

premises ......................

Nono

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

Nono

Other assets ...................... ____6.:.,1_8_1_.9_6

Total Assets .................. $ 2,081,012.63

LIABILITIES
Demand deposits , ............ $ Time and savings deposits .. o o Deposits of U. S. Government ..... . Deposits of States and political sub
di\isions ........... o. o. o o o o o. Deposits of banks ... o o o o o Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand ing ........... o. o o o o o. o o o oo. Other liabilities . o o o o o. o. o Capital notes and debentures ....... . Preferred stock .... o o o o o Common stock . o. o o o o Surplus ............. o o o o o o Undivided profits ............... .. Reserves . o o o o o o o 0 o 0 0

816,846.70 767,969.85 29,693.43
247,825.86 None
25,422.51 Nono
None 12,481.00
Nono Nono 50,000.00 40,000.00 90,773.28 None

Total Liabilities ............... $ 2,081,012.63

STATEMENT Showing condition at the close of business December 31, 1965, of

THE BANK OF WARNER ROBINS Warner Robins (Houston) , Ga.

As called for by the Superintendent of Banks

DAVID L. DAVIS, President.
Date of Charter: 4-25-1956

JAS. S. FARR, Cashier. Began Business: 1-4-1957

ASSETS

Cash, balances with other banks, and cash itPms in process of collection .. $
United States Government obligations, direct and guaranteed..... .
Obli~ations of States and political subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock jn Fcdnal Reserve Bank ....
Loans and discounts, including over-
drafts ................. . . Bank premises, furniture and fixtures,
and other assets rcpnscnting bank premises ....................... . Real estate ownetb.othcr than bank premises ....................... . Customers' liability to this Lank on acceptances outstanding . . . . . . . . . Other assets .. .. .. . .. .. .. .. .. . .. ..

999,281.49 l,i09,868.i8
936,640.04
99,984.38 Konc
2,964,333.51
47,004.16 None None
47,109.48

----~
Total Assets ................ , . $ 6,804,221.84

LIABILITIES

Demand deposits ................. $

Time and savings deposits . o o o o Deposits of U. S. Government ... o o. Deposits of States and political .sub-
divisions ..... o o o o.
Deposits of banks o o o o o o o o o o
Certified and officers' checks, etc.... Other liabilities for borrowed money.

Acceptances executed by or for ac count of this bank and outstand-

ing

.... o o o. o o o o

Other liabilities .... o. o. o o o

Capital notes and debentures ....... .

Preferred stock . o o o o. Common stock o. o. o o o o Surplus ....... o. o o. o o o o o o. U ndividcd profits . o 0 0 o. o o Reserves ... o. o. o o. o o o o o o.

3,549,666.32 1,309,505.27
200,465.38
886,210.65 75,000.00 1,760.49 1'\onc
None 270.309.60
None None 133,400.00 75,000.00 287,424.91 15,479.22

Total Liabilities o 0. o. o o. 0.$ 6,804,221.84

156

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

CITIZENS STATE BANK Warner Robins (Houston), Ga.

As called for by the Superintendent of Banks

H. P. FLEMING, President.
Date of Charter: 12-13-1950

T. J. CALHOUN, JR.,
Cashier. Began Business: 1-2-1951

ASSETS

Cash, balances with other banks, and cash items in process of collection .. $
United States Government obliga-
tions, direct and guaranteed ..... . Obliga~i<_H!s of States and political

1,195,525.15 1,802,590.92

subdiVlSIOllS , , , , , , , ,

709,038.11

Securities of Federal agencies and

corporations not guaranteed by

u.s.
Other securities, corporate stocks and

524,281.25

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts ................... 4,190,479.20

Bank premises, furniture and fixtures,

and other assets representing bank

premises ....................... .

176,073.17

Real estate owned other than bank

premises ..................

None

Customers' liability to this bank ont

acceptances outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . .

9,381.10

-----

Total Assets ................... $ 8,607,368.90

LIABILITIES
Den1and deposits .. $ o o o o o o Time and savings deposits ... o o Deposits of U. S. Government ... o Deposits of States and political sub-
divisions ............... o. o. o Deposits of banks . o o o o o Certified and officers' checks, etc. o Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ... o o 0 o o Other liabilities .................. . Capital notes and debentures ....... . Preferred stock ........ o o Common stock . o o Surnlus ................. o Undivided profits . o o. o o o. o o Reservc3 ...... o. o o o o o. o

3,862,531.03 2,648,560.09
119,516.06
1,064,622.04 None
4,398.93 None
None 343,619.24
None None 300,000.00 200,000.00 64,121.51 None

Total Liabilities .......... $ 8,607,368.90

STATEMENT

Showing condition at the close of business December 31, 1965, of

CITIZENS BANK Warrenton (Warren), Ga.

As called for by the Superintendent of Banks

HAL D. BEMAN, President.
Date of Charter: 4-14-1902

LANE S. McELVEEN, Ca&hier.
Began Business: 41902

ASSETS
Cash, balanct:-s with other banks, and cash items in process of collection .. $
United States Government obligations. direct and guaranteed .... : ..
Obli~ations of States and poht1cal subdivisions .................... .
Securities of Federal agencies and corporations not guaranteed by
Otuh.esr. securities,corporatestocksand
stock in Ff'deral Reserve Bank .... Loans and discounts, including over-
drafts ............ Bank prcmises. furniture and fixtures,
and othrr assets representing bank premises ....................... . Real estate owned other than bank premises ....................... . Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

879,844.95 645,041.88 611,852.74
None None 2,010,584.26
48,792.26 None None None

Total Assets .................. $ 4,196,116.09

LIABILITIES
Demand deposits .......... $ Time and savin~s deposits ........ . Deposits of U. S. Government .. o o o. Deposits of States and political sub-
divisions ................ o. o. o. o Drposits of banks . o o o o Certified and officers' checks, etc.. o Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin.g . . . . . . . . . . o o o. o. o. Othrr liabilitirs ............... o o Capital notes and debentures ....... . Preferred stock .. o o o o o Common stock . o o o o o o o o Surplus ............. o L'ndividt>d profits ...... o o Rcsrrves ..... o o

1,393,498.80 1,523.642.96
18,239.62
746,243.03 10,000.00 4,630.82
;.:one
:;'{one 50,683.31
None None 200.000.00 100,000.00 96,529.78 52,647.77

Total Liabilities ...... $ 4.196,116.09

FORTY-SIXTH ANNUAL REPORT

157

STATEMENT

Showing condition at the close of business December 31, 1965, of

FARMERS AND MERCHANTS BANK Washington (Wilkes), Ga.

As called for by the Superintendent of Banks

H. G. GARRARD, President.
Date of Charter: 8-10-1949

ROBERT M. DRINKARD, Cashier.
Began Business! 3-14-1950

ASSETS

Cash, balances with other banks, and

cash i terns in process of collection .. $ 402,922.21

United States Government obliga

tions, direct and guaranteed ..... .

833,600.13

Obliga~i'?~s of States and political

subdtVISlOllS , , , , , , ,

404,785.55

Securities of Federal agencies and

corporations not guaranteed by

Otuh.esr. securities,corporatestocksand

100,173.68

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts ......................... . 1,773,660.76

Bank premises, furniture and fixtures,

and other assets representing bank

premises ....................... .

73,822.26

Real estate owned other than bank

premises .......................

None

Customers' liability to this bank on

acceptances outstanding . . . . . . . . .

None

Other assets . . . . . . . . . . . . . . . . . . . . . .- - 1-,236-.81

Total Assets .................. $ 3,590,201.40

LIABILITIES
Demand deposits $ Time and savings deposits Deposits of U. S. Government ... Deposits of States and political sub-
divisions ......... Deposits of banks ....... Certified and officers' checks, etc. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand-
ing ooooooo Other liabilities Capital notes and debentures....... .
Preferred stock ........... Common stock o o. o o Surplus Undivided profits . Reserves .. o o o o

945,953.00 1,719,520.41
12,133.61
553,087.46 10,526.08
1,566.11 None
None 40,810.14
None None 125,000.00 82,500.00 92,604.59 6,500.00

Total Liabilities .. $ 3,590,201.40

STATEMENT

Showing condition at the close of business December 31, 1965, of WASHINGTON LOAN AND BANKING COMPANY Washington (Wilkes), Ga.

As called for by the Superintendent of Banks

F. W. THOMAS, President.
Date of Charter: 9-7-1891

FRANK W. THOMAS, JR., Cashier.
Began Business: 5-1-1895

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed .....
Obliga~i'?~s of States and political subdiVISIOns , ... o , , , , ,
Securities of Federal agencies and corporations not gu a ran teed by
u.s........................... .
Other securities, corporate stocks and stock in Federal Reserve Bank...
Loans and discounts, including overdrafts ......................
Bank premises, furniture and fixtures, and other assets representing bank premises o. o o o. o o. o
Real estate owned other than bank premises . o o o o o o.
Customers' liability to this bank on acceptances outstanding o o o
Other assets ... o

912,521.53 2,320,379.34
495,787.14
None None
4,380,893.2~
164,000.00 None None None

Total Assets . $ 8,273,581.30

LIABILITIES
Demand deposits $ Time and savings deposits o o 0. 0 0. Deposits of U. S. Government
Ddi~i!J~n~f. ~:~~es .a.~~. :~~i~ical ~~~~
Deposits of banks ....... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for acv
count of this bank and outstanding ......... o o. o Other liabilities Capital notes and debentures .......
Preferred stock ............ Common stock o o o o Surplus ...... Undivided profits . Reserves o o o o o o. o

2,662,219.94 3,289,223.28
89,789.84
1,456,223.68 80,i58.26 11,571.40 None
1\1one 81,688.18
None None 200,000.00 300,000.00 102,106.72 None

Total Liabilities $ 8,273,581.30

158

DEPARTMENT OF BANKING

STATEMENT Showing condition at the close of business December 31, 1965, of
OCONEE STATE BANK Watkinsville (Oconee), Ga. As called for by the Superintendent of Banks

C. G. HARDIGREE, SR.,
President. Date of Charter: 6-5-1959

ARTHUR E. BANKS,
Cashier. Began Business: 2-1-1960

ASSETS
Cash, balances with other banks, and cash it('ms in nrocess of collection.$
United States Government obligations, direct and guaranteed .....
Obli~a~i?f!S of States and political
subdtVlSIOflS . , ,
Securities of Federal agencies and corporations not guaranteed by U.S........................... .
Other securities, coroorate stocks and stock in FE'deral Reserve Bank ....
Loans and discounts, including overdrafts ..................
Bank premises, furniture and fixtures, and othC"r assets representing bank premises .....................
Real estate owned otht'r than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets , , . , ...... , , . , .... $

330,887.01 606,292.94 108,797.67
50,000.00 None
695,870.35
10,283.35 1\"one I\"one 493.31
1,802,624.63

LIABILITIES
Demand deposits .. , , , , . , . , . , . $ Time and savings deposits ....... Deposits of U. S. Government ..... Deposits of States and political sub~
divisions ................. Deposits of banks ............. , , , Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac~
count of this bank and outstanding ........................ Other liabilities .............. Capital notes and debentures ....... . Preferred stock ................ Comn1on stock ............. Surplus ...................... Undivided profits ............ Reserves ........................

992,194.07 560,351.76
8,043.11
90,858.12 None
2,243.23 None
None 50.00 None None 75,000.00 15,000.00 45,134.34 13,750.00

Total Liabilities , , , , , ...... $ 1,802,624.63

STATEMENT

Showing condition at the close of business December 31, 1965, of

COMMERCIAL BANK Waycross (Ware}, Ga.

As called for by the Superintendent of Banks

J. M. NORMAN, President.
Date of Charter: 10-15-1918

P. E. PENN,
Cashier. Began Business: 10-30-1918

ASSETS
Cash, balances with other banks: and cash items in process of collectw.n .. $
UnitPd States GovPrnment obliga-
tions. direct and guaranteed. Obli~ations of States and political
subdivisions .............. Securities of Federal agencies and
corporations not guaranteed by
u.s. "" "". ""." .. "".""
Other securities, coroorate stocks and stock in Federal Reserve Bank .. .
Loans and discounts, including over~ drafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premi<;es, furniture and fixtures, and other assets represf'nting bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on' acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .

1,678,008.93 3,611,4i0.91
380.972.41
649,412.50 25,000.00
2,087,15(,.73
207,250.48 None None None

Total Assets ...... , . , ......... $ 8,639,271.%

LIABILITIES
Demand deposits .................. $ Time and savings deposits ...... Deposits of U. S. Government ..... Deposits of States and political sub
divisions ............. Deposits of banks ...... Certified and officers' checks. etc.... Other liabilities for borrowed- money: Acceptances executed by or for ac-
count of this bank and outstandIng ......................... Other liabilities .................. . Capital notes and debentures ....... Preferred stock ......... Common stock ........ Surplus ..................... Undivided profits ................ . Reserves .............

4,845,149.09 2,146,340.07
198,746.46
477,854.53 None
80,118.7-1 None
None 117,743.38
None None 200,000.GO 200,000.00 95,614.66 277,705.03

Total Liabilities , ....... , ...... $ 8,639,271.96

FORTY-SIXTH ANNUAL REPORT

1.'19

STATEMENT

Showing condition at the close of business December 31, 1965, of

SOUTHERN BANK Waycross {Ware), Ga.

As called for by the Superintendent of Banks

RALPH HERRIN, President.
Date of Charter: 5-22-1956

DAVID E. HOWARD,
Cashier. Began Business: 6-11-1956

ASSETS
Cash, balances with othC'r banks: and cash items in process of collectiO?. $
United States Government obligations, direct and guaranteed ..... .
Obliga~i?~s of States and political
subdtVlSIOllS ...
Securities of Fcderal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, jncluding overdrafts ......................... .
Bank premises, furniture and fixtures. and other assets representing bank premises .......................
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

723,024.32 984,181.63 631,155.82
I ,249,812.50 None
2,164,523.49
24,341.45 8,573.98
None 15,057.75 5,800,670.94

LIABILITIES
Demand deposits ..... $ Time and savings deposits ....... Deposits of U.S. Government ... Deposits of States and political sub.
divisions ............ Deposits of banks .......... Certified and officers' checks, etc.. Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ............. Other liabilities . Capital notes and debentures ....... . Preferred stock .............. Common stock ....... Surplus ..................... Undivided profits .. Reserves ......

2,513,947.21 1,820,833.ti3
71,787.90
702,171.01 49,280.02 4,242.07
None
None 152.226.54
None None 175,000.00 225,000.00 59,294.12 26,888.44

Total Liabilities ......... $ 5,800,670.94

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF WAYNESBORO Waynesboro {Burke), Ga.

As called for by the Superintendent of Banks

M. K. TUCKER, President.
Date of Charter: 12-16-1890

BOBBY 0. TEASLEY, Cashier.
Began Business: 1891

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obli~a!i?~s of States and political subdiVISIOllS . . . . . . . . . . . . . .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank
premises ...................... . Real estate owned other than bank
premises ....................... . Customers' liability to this bank on
acceptanc~:"s outstanding ........ . Other assets ..................... .

1,157,617.32 848,411.29 668,697.63
150,000.00 13,750.00 4,637,840.45
47,652.63 None None
125,584.98

Total Assets .................. $ 7,649,554.30

LIABILITIES
Demand deposits ......... $ Time and savings deposits ... Deposits of U. S. Government . DeJ?O~i.ts of States and political sub
dtVlSlOns , , . ,. . o . Deposits of banks ...... Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand ing ..................... Other liabilities ............ Capital notes and debentures ....... . Preferred stock .
Common stock Surplus ........... l!ndivided profits .... Reserves ......

2, 750,793.75 3,301,114.07
109,659.97
585,717.56 35,914.00 li,356.91 None
None 373,353.02
None None 150,000.00 250,000.00 75,645.02 None

Total Liabilities ... $ 7,649,554.30

160

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF GRADY COUNTY Whigham (Grady), Ga.

As called for by the Superintendent of Banks

AGNEW SMITH, President
Date of Charter: 6-18-1965

THOMAS L. WALKER, Cashier
Began Business: 7-1-1965

ASSETS

Cash, balances with other banks, and
cash items in procC'ss of collection .. $

63,006.91

Unit('d States Government obliga-

tions, direct and guaranterd ..... . Obli~ations of States and political

102,977.24

subdivisions .................... .

None

Securities of Federal agencies and corporations not guaranteed by
u.s. """" """"""" "".
Other securities, coroorate stocks and
stock in Federal Rf'st'rve Bank ....

125,000.00 None

Loans and discounts, including overdrafts ......................... .

210,788.96

Bank premises, furniturc and fixtures,

and other assets representing bank premises ......................

17,650.99

Real C'state owned othC'r than bank premises ....................... .

None

Customers' liability to this bank on

acceptancrs outstanding . . . . . . . . .

None

Other assets ............. , . . . . . . . . - - -I ,-970-.83

Total Assets , , . , .... , . , , , , , , , , $ 521,394.93

LIABILITIES

Demand deposits ..... , ... , , . $

Time and savings deposits ........ .

Deposits of U.S. Government ...._..

Deposits of States and political sub-

divisions ......... o

Deposits of banks ... o

Certified and officers' checks. etc..

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

in~

... o. o. o o

Other liabilities o o o.

Capital notes and debentures .. o

Preferred stock . o o o o

Common stock . o o

Surplus ..................... o. o

Undivided profits , .. , . , . , , , , , , . ,

Reserves .......... o. o. o o

243,894.81 61,061.80
730.00
108,944.49 None
4,191.03 None
None I ,273.41
None None 50,000.011 25,om.no 26,299.39 None

Total Liabilities , ... $ 521,394.93

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE PEOPLES BANK Willacoochee (Atkinson), Ga.

As called for by the Superintendent of Banks

CHAS. T. LODER, President.
Date of Charter: 1-4-1952

MARGUERITE B. LODER~ Cashier.
Began Business: 1-15-1952

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Governmt>nt obligations, direct and guaranteed ..... .
Obli~a~i<:n~s of States and political subdJVISIOllS .... , , .............. .
Securities of Federal agencies and corporations not guaranteed by U.S........................... .
Other securities, cornorate stocks and stock in F('dcral Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank prC'mises, furniture and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .. , . , , . , .... , , , . , , $

332,025.93 100,000.00
oJ.OOil.OO
Non~
None 366,735.49
16,125.6'l None None 650.fjfi
820,537.73

LIABILITIES

Demand deposits .................. $

Time and savin~s deposits .. o

Deposits of U. S. Government . , , . , .

Deposits of States and political sub~

divisions . o o o. o

Deposits of banks ....... o
Certified and officers' checks, etc.. o.

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and ou tstand-

Jng-

.. o

Other liabilities ....... o. o

Capital notes and debentures ... o

Preferred stock . o. o

Common stock . 0

Surplus ......... o o o.

Undivided profits , , , . , , ,

Reserves ....... o o o

3i7,233.79 294,918.81
5,196.96
75,197.33 None
1,886.97 None
None None None None 30,000.00 22,500.00 13,603.87 None

Total Liabilities . $ 820,537.73

FORTY-SIXTH ANNUAL REPORT

161

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF BARROW Winder (Barrow), Ga.

As called for by the Superintendent of Banks

JAMES HARRISON, President.
Date of Charter: 3-12-1951

L. P. HIX,
Cashier. Be~an Business: 3-17-1951

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, dirt>ct and guaranteed ..... .
Obli~a~i<;l"!s of States and political
subdtVlSIOllS .. . . .
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securitiPs, corporate stocks and stock in Fcderal Reserve Bank ....
Loans and discounts, including overdrafts .........................
Bank premises, furniture and fixtures, and other assets nprcsenting bank premist's ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .

1,590,228.80 1,064,211.47
906,267.81
299,000.00 None
2,630,394.45
44,042.82 None None
23,511.11

Total Assets .................. $ 6,557,656.46

LIABILITIES
Demand deposits . , , , . $ Time and savings deposits Deposits of U. S. Government ..... . Deposits of States and political sub
divisions .................. Deposits of banks .......... Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand
ing . Other liabilities . Capital notes and debentures ....... .
Preferred stock ............. Common stock .. Surplus ..... Undivided profits , , RP!'.~rves

3,985,544.40 1,413,568.65
69,485.36
425,597.94 None
23,500.51 None
None 152,202.57
None Nono 250,000.00 150,000.00 87,757.03 None

Total Liabilities .... , , , $ 6,557,656.46

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE PEOPLES BANK Winder (Barrow), Ga.

As called for by the Superintendent of Banks

C. o_ MADDOX, JR..,
President.. Date of Charter: 10-29-1926

J. B. LANGFORD, Cashier.
Began Business: 10-30-1926

ASSETS
Cash, balances with other banks. and cash items in process of collection .. $
United States Government obliiations, direct and guaranteed ..... .
Obliga_ti?'!S of States and political
SUbdiVISlOllS o o o , o , , , , , , , ,
Securities of Federal agencies and corporations not g u a rant e e d by
Otuh.esr. securities,corporatestocksand
stock in Federal Reserve Bank .... Loans and discounts, including over-
drafts ........................ Bank premises, furniture and fixtures,
and other assets representing bank premises . Real estate owned other than bank premises . Customers' liability to this bank on acceptances outstanding .. Other assets .........

1,051,991.60 1,638,586.12
768,167.55
200,000.00 None
l,i61,167.3fl
56,851.00
~one
None None

Total Assets . , $ 5,476,763.65

LIABILITIES
Demand deposits $ Time and savings deposits Deposits of U. S. Government
Ddi~i~i~n~f. ~~~:es .a.~~. :~~i~ical ~~~:
Deposits of banks .......... Certified and officers' checks, etc.... Other liabilities for borrowed mone-y. Acceptances executed by or for ac
count of this bank and outstanding . Other liabilities , Capital notes and debentures ....... .
Preferred stock ......... Common stock . Surplus ....... Undivided profits . Reserves ..

3,378,031.39 1,269,474.98
69,955.41
338,836.92 None
32,246.92 Kono
None 5,020.00
None None 100,000.00 150,000.00 25,000.00 108,198.03

Total Liabilities $ 5,476,763.65

162

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE CAMDEN COUNTY STATE BANK Woodbine (Camden), Ga.

As called for by the Superintendent of Banks

J. C. NEWTON, President.
Date of Charter: 6-24-1947

E. F. PARKER, Cashier.
Began Business: 1-2-1948

ASSETS

Cash, balances \..'ith other banks. and cash items in process of collection .. $
United States Government obliga tions, direct and guaranteed ..... .
Obli~a~i?~s of States and political
subdtVlSlOllS , . , ,
Securities of Federal agencies and corporations not guaranteed by
o:f.~~- se~~~iti~~, ~~~~~~~!~ 'st~~k~ -~~d

404,431.08 489,297.20
10,000.00
None

stock in Federal Reserve Bank ....

None

Loans and discounts, including over-

drafts ............. , , , , . , ... , ... ,

666,338.22

Bank prl:'mises, furniture and fixtures,

and other assets representing bank

premises .......................

4,340.00

Real estate owned other than bank

premises ....................... .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other assets ..................... .

None

-----

Total Assets , , , , . , ...... , , , , , , $ 1,574,406.50

LIABILITIES
Demand deposits , , , , . , . , , .. $ Time and savings deposits ......... . Deposits of U. S. Government ..... Deposits of States and political sub
divisions ................. Deposits of banks ............... .. Certified and officers' checks, etc... .
Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstandin~ ....................... Other liabilities ............... Capital notes and debentures ....... .
Preferred sTock ................
Comn1on stock ........... Surplus ................... , Undivided profits ................ . Reserves ..................

389,520.04 744,155.53
1,914.69
276,822.82 Nono
15,719.38 None
None 3,594.04
None None 50,000.00 50,000.00 42,680.00 None

Total Liabilities , , , , , ....... $ 1,574,406.50

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE WOODBURY BANKING COMPANY Woodbury (Meriwether), Ga.

As called for by the Superintendent of Banks

T. H. CARROLL, President.
Date of Charter: 9-29-1902

M. 0. CAMPBELL, Cashier.
Began Business: 9-29-1902

ASSETS
Cash. balances with other banks. and cash itPms in process of collection .. $
United States Government obligation'>, direct and guaranteed. . . . . .
Obliga~i~n~s of States and political subdivisiOns . . . . . . . . . . . . . . . . . . . . .
Securities of Federal agencies and corporations not guaranteed by
u.s. . . . . . . . . . . . . . . . . . . . . . . . . . . .
Other securities, corporate stocks and stock in Federal Reserve Bank....
Loans and discounts, including overdrafts ... , . , . , . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtures, and other assets representing bank premises ............. , ... , . , . , , .
Real estate owned other than bank premises ...... , , . , . , ...... , . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .

213,491.30 341,570.78
None
720,065.00 None
886,827.24
600.00 100.00 None None

Total Assets . , , , . , .... , , , , , , , , $ 2,162,654.32

LIABILITIES
Demand deposits .................. $ Time and savings deposits .... Deposits of U. S. Government ..... Deposits of States and political sub-
divisions ................ Deposits of banks ................ . Certified and officers' checks. etc... Other liabilities for borrowed- money.
Acceptances executed by or for ac-
count of this bank and outstandin~ .................... Other liabilities ... Capital notes and debentures ....... .
Preferred stock .............. Common stock ...... Surplus ................... Undivided profits ................ . Reserves, ............

845,926.77 931,488.55
3,769.16
108,222.22 None
8,535.52 None
None 9, 741.66
None None 50,000.00 100,000.00 94,970.44 10,000.00

Total Liabilities ............... $ 2,162,654.32

FORTY-SIXTH ANNUAL REPORT

163

STATEMENT

Showing condition at the close of business December 31, 1965, of

WOODLAND BANK Woodland (Talbot), Ga.

As called for by the Superintendent of Banks

J. H. WOODALL, President.
Date of Charter: 11-18-1907

C. E. MILLER, Cashier.
Began Business: 11-25-1907

ASSETS
Cash, balances with other hanks, and cash items in process of collection .. $
UnitPd States Government obliga~ tions. direct and guaranteed ..... .
Obli~ations of Statt?s and political subdivisions .................... .
SecuritiPs of Federal agPncics and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Rf'scrvc Bank ....
Loans and discounts, including ovP-rdrafts ......................... .
Bank prC'miscs, furniture and fixtures, and other assets reprC'senting bank premises .......................
Real estate owned other than bank prcn1isPs ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets ..................... .
Total Assets .................. $

132,876.53 270,338.00
4,000.00
30,000.00 None
78,497.49
877.00 None None None 516,589.02

LIABILITIES
Demand deposits .............. $ Time and savings deposits Deposits of U. S. Government Deposits of States and political sub-
divisions .... Deposits of banks . Certified and officers' checks, etc Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ....... Other liabilities ..... Capital notes and debentures ...... Preferred stock Common stock Surplus ........ Undivided profits Reserves .

342,404.90 41,927.65
5,646.44
45,526.83 None 703.35 None
None None None None 25,000.00 35,000.00 20,379.85 None

Total Liabilities ......... , $ 516,589.02

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF WOODSTOCK Woodstock (Cherokee), Ga.

As called for by the Superintendent of Banks

SMITH L. JOHNSTON, President.
Date of Charter: 11-13-1905

ARTHUR L. POOR, Cashier.
Began Business: 11-13-1905

ASSETS
Cash, balances \vith other hanks, and c~sh items in process of collcctio_n $
Umted States Government obltgations. dinct and guaranteed ... .
Obliga!i?r~~ of States and political
subdnJSJOns ..... Securities of Fcderal agencies and
corporation~ not guaranteed by
U.S. . ....................... Other securities. nnnorate stockc; and
stock in :Fcrleral RestTVC' Bank.... Loans and discounts, includinl:!: oYer-.
drafts . . . . . . . . . . . . . . . . . . . . . . . . . . Bank prernisn, furniture and fi'Xtnres,
and otlwr as<.;f'ts representing bank
premises ..................... Real estate owned other than bank
T>rPmises . . . . . . . . . . . . . . . . . . . . . . . . Customers' liability to this bank on
acceptances outstanding . . . . . . . . . Other assets . . . . . . . . . . . . . . . . . . . . . .

201,433.29 515,451. iO 104,519.60
200,049.21 :\ont'
1,102,561.40
35,178.27 Non( None 422.67

Total Assets .................. $ 2,159,616.14

LIABILITIES
Den1and deposits $ Time and savings deposits Deposits of U. S. Government _. Deposits of States and political _sub-
divisions ..... Dcposits of banks ........... Certified and officers' checks, etc. Other liabilitic~ for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ........... Otht-r liabilities ..... " ..... Capital notes and debentures ...... Preferred stock ...... Con1mon stock ........ Surplus ........... Undivided profits .. Reserve:~ ...

835,114.98 919,454.71
8,156.53
159,372. 7i None 189.50 None
None 39,710.03
None None 50,000.00 125,000.00 22,617.62 None

Total Liabilities ....... , . $ 2,1.19,616.14

164

DEPARTMENT OF BANKING

STATEMENT

Showing condition at the close of business December 31, 1965, of

FIRST STATE BANK Wrens (Jefferson), Ga.

As called for by the Superintendent of Banks

JAS. E. FLEMING, SR., President.
Date of Charter: 2-25-1964

T. W. JOHNSON, JR., Cashier.
Began Business: 7-6-1964

ASSETS
Cash, balances with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed..:..
Obli~a!i?l!s of States and pohttcal subdiVISIOns . . . . . . . . . . . . . . . . . . . . .
Securities of Federal agencies and
cuo.rsp.ora.t.i.o.n.s. .n.o. t. . .g.u. a. .r.a.n.t.e.e.d. . .b.y.
Other securities, corporate stocks and stock in Federal Reserve Bank....
Loans and discounts, including overdrafts . . . . . . . . . . . . . . . . . . . . . . . . . .
Bank premises, furniture and fixtures, and other assets representing bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Real estate owned other than bank premises . . . . . . . . . . . . . . . . . . . . . . . .
Customers' liability to this bank on acceptances outstanding . . . . . . . . .
Other assets . . . . . . . . . . . . . . . . . . . . . .
Total Assets .................. $

191,563.44 441,491.44
None
110,000.00 None
575,069.38
25,505.37 None None None
1,343,629.63

LIABILITIES

Demand deposits ... $
Time and savings deposits . o. o. o. o.

Deposits of U. S. Government ..

Deposits of States and political sub

divisions .. 0 o. o o o. o

Deposits of banks ........

Certified and officers' checks, etc. o. o

Other liabilities for borrowed money.

Acceptances executed by or for ac-

count of this bank and outstand-

ing

0

Other liabilities ....... o. o o

Capital notes and debentures ...... o

Preferred stock ..........

Common stock o o o

Surplus ....................

Undivided profits ..........

Reserves .. o o. o. o.

613,411.60
282,523.~4
46,498.30
249,882.54 None
8,510.62 None
None None None None 50,000.00 50,000.00 42,802.63 None

Total Liabilities . $ 1,343,629.63

STATEMENT

Showing condition at the close of business December 31, 1965, of

BANK OF WRIGHTSVILLE Wr'ightsville (Johnson), Ga.

As called for by the Superintendent of Banks

W. H. LOVETT, President.
Date of Charter: 2-16-1897

J. B. FULGHUM, Cashier.
Began Business: 2-16-1897

ASSETS

Cash, balances with other banks, and

cash items in process of collection .. $ 498,121.52

United Stat<:>s Government obliga-

tions. direct and guaranteed ..... . I ,224,470.00

Obliga!i~~s of States and political

subdl\.-lSIOilS ................. , . , .

25,000.00

SPcuriti('S of F'ederal agencies and

corporations not guaran l ccd by

U.S.......................... .

299,890.63

Other securities, corporate stocks and

stock in Federal Reserve Bank ....

292,134.10

Loans and discounts, including over-

drafts ......................... . 2,278,308.42

Bank premises, furniture and fixtures,

and other as<>e-t<; representing bank

premises ....................... .

92,436.38

Real estate owned lther tl1:1n bo_nk

pren1ises ....................... .

None

Customers' liability to this bank on

acceptances outstanding ........ .

None

Other assets ..................... .

None

-----

Total Assets .................. $ 4,710,361.05

LIABILITIES

Demand deposits ....... $

Time and savings deposits o o

Deposits of U. S. Government .....

Deposits of States and political sub-

divisions . . o. 0

0

Deposits of banks ...............

Certified and officers' checks, etc....

Orher liabilities for borrowed money.

Accl'ptanccs executed by or for ac-

count of this bank and outstand-

in.g ..................... o

Other liabilities ....

Capital notes and debentures ...... .

Preferred stock ................ .

Common stock .............

Surplus ............ o o

Undivided profits ......

Reserves o

1,813,908.fi8 2,028,213.53
36,568.10
378,169.90 i2,498.27 5, 701.79
~one
None None None
~one
InO.OOO.OO 110.000.00 115,300.78
10,000.00

Total Liabilities .............. $ 4,710,361.05

FORTY-SIXTH ANNUAL REPORT

165

STATEMENT

Showing condition at the close of business December 31, 1965, of

THE EXCHANGE BANK OF WRIGHTSVILLE Wrightsville (Johnson), Ga.

As called for by the Superintendent of Banks

FRANCIS F. SHURLING, President.
Date of Charter: 12-20-190Q

NANNELLE FROST, Cashier.
Began Business: 12-20-1909

ASSETS
Cash, balanct"s with other banks, and cash items in process of collection .. $
United States Government obligations, direct and guaranteed ..... .
Obliga~i?~S of States and political
subdlVlSlODS , . , , ,
Securities of Federal agencies and corporations not guaranteed by
u.s.
Other securities, corporate stocks and stock in Federal Reserve Bank ....
Loans and discounts, including overdrafts ......................... .
Bank premises, furniture and fixtures, and other assets representing bank premises ....................... .
Real estate owned other than bank premises ....................... .
Customers' liability to this bank on acceptances outstanding ........ .
Other assets .................... .

598,140.81 531,615.52
None
None None 1,275,930.48
46,858.68 None None
3,120.00

Total Assets .................. $ 2,455,665.49

LIABILITIES
Demand deposits . $ Time and savings deposits . Deposits of U. S. Government ....
DdJ~iH~n~f. ~~~~~s. -~~~. :~~i.t~~~l. ~~~:
Deposits of banks ..... Certified and officers' checks, etc... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstand ing Other liabilities Capital notes and debentures ....... . Preferred stock .............. Common stock .. Surplus ... Undivided profits ... Reserves ........

1,064,707.52 546,305.60 14,523.58
273,373.16 None
266,395.10
None~
None None Nona None 50,000.00 150,000.00 90.360.53 None

Total Liabilities .. $ 2,455,665.49

STATEMENT

Showing condition at the close of bus'i11ess December 31, 1965, of THE BANK OF ZEBULON Zebulon (Pike), Ga.
As called for by the Superintendent of Banks

J. J. EDWARDS, President.
Date of Charter: 3-18-1905

R. R. COPELAND Cashier.
Began Business: 1-31-1905

ASSETS

Cash, balances with other banks. and

cash items in process of collection .. $ 627,851.39

United States Government obliga-

tions, direct and guaranteed ..... .

525,731.93

Obliga~i?~S of States and political

subdiVISIODS _, , , , , , , , , , , , , , , ,

109,461.30

Securities of Federal agencies and

corporations not g u a rant e e d by

Otuh.esr. securities,corporatestocksand

110,034.36

stock in Federal Reserve Bank .. ~

None

l.1".1ans and discounts, including overd

drafts .........................

807,355.26

Bank premises, furniture and fixtures,

and other assets representing bank

premises

11,063.81

Real estate owned other than bank

premises ........................ .

None

Customers' liability to this bank on

acceptances outstanding . .

None

Other assets , . . - - -2,-208-.58

Total Assets .. $ 2,193,706.63

LIABILITIES
Demand deposits $ Time and savings deposits Deposits of U. S. Government ... Del?o~i.ts of States and political sub~
diVISlOllS , , , , , , , , , , , , , , , , ,
Deposits of banks ................ Certified and officers' checks, etc.... Other liabilities for borrowed money. Acceptances executed by or for ac-
count of this bank and outstanding ..................
Other liabilities Capital notes and debentures ....... .
Preferred stock ................ Common stock ... Surplus ........... Undivided profits .. Reserves

921,849.73 824,678.76
19,361.20
192,370.63 None
15,921.50 None
None 4.073. 71
None None 50,000.00 75,000.00 80.451.10 10,000.00

Total Liabilities . $ 2,193,706.63