Seventy-second annual report [1991]

DEPARTMENT OF BANKING AND FINANCE
STATE OF GEORGIA ATLANTA
SEVENTY-SECOND ANNUAL REPORT YEAR ENDING DECEMBER 31, 1991
****
E. D. "JACK" DUNN COMMISSIONER STEVEN D. BRIDGES DEPUTY COMMISSIONER
****

TABLE OF CONTENTS
History of Department..... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . i Summary of Condition and Structural Changes.............................. ii Official Roster.... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . iv District Personnel. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . vi Current Staff Photographs ................................................ vii Examination and District Work Area Map................................... xv Receipts and Disbursements ............................................... xvi Legal Holidays ........................................................... xvii
Activities of State-Chartered Financial Institutions:
Applications for Reservation of a Name................................ 1 Notice of Change in Name.............................................. 4 Applications for New Financial Institutions........................... 5 Applications for Sale of Checks or Money Orders....................... 5 Financial Institution Conversions..................................... 6 Approval of Dissolutions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Financial Institution Mergers... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Miscellaneous Applications.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 List of State and National Banks ...................................... 10 List of State Credit Unions........................................... 24 Abstract of Reports of Condition of State and National Banks.......... 28 Comparative Statement of Earnings and Expenses of
State and National Banks..... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 Abstract of Reports of Condition of State Credit Unions............... 30 Comparative Statement of Earnings and Expenses of
State Credit Unions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 31

TABLE OF CONTENTS
Activities of Bank Offices, Branches, and Facilities of State-Chartered Banks: Branch Banks. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32 Applications to Establish a Bank Office, Branch, or Facility, and Permits to Begin Business............................ 36 Applications to Change Location of Main Office, Branch, Bank Office, or Bank Facility...................................... 43
Activities of Financial Holding Companies: Applications to Become a Financial Holding Company and/or to Acquire Voting Stock of a Financial Institution Acquisitions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 New Formations..................................................... 47 Applications for Financial Holding Company Subsidiaries to Merge Across County Lines.......................... 48 Financial Holding Companies and Their Financial Subsidiaries....................................... 49
Activities of International and Domestic Banks: Domestic International Banking Facilities............................. 71 Representative Offices of Out-of-State Banks.......................... 72 International Bank Agencies........................................... 77 International Bank Representative Offices............................. 80 Sale of Checks or Money Orders Corporations........................... 81
Georgia Credit Union Deposit Insurance Corporation Statement of Assets and Liabilities................................... 82
Receivership Liquidations................................................ 83 Check Casher Licenses Issued............................................. 84 Summary of Activities of Financial Institutions.......................... 90

HISTORY OF THE DEPARTMENT 1919 . . . . . . . . 1991
The Department of Banking and Finance was created by the Ex-
ecutive Reorganization Plan of 1972 as successor to the Depart-
ment of Banking. The original Department of Banking was created
by Act of the Legislature in 1919 concurrent with the enactment of The Banking Law which deals with the in-
corporation of banks and the regulation of the business of banking. Since the establishment of the Department in 1919, additional responsibilities have been assigned to the agency in the form of the Georgia Credit Union Act (1925); Trust Company Laws of Georgia (1927); Georgia Sale of Checks Act (1965); Regulated Certificated Bank Act (1966); The Fiduciary Investment Company Act (1970); International Bank Agency Act (1972); and Georgia Business Development
Corporation Act (1972). The Executive Reorganization Plan of 1972, in addition to changing the name of
the Department, provided for the Department to be headed by a Commissioner as successor to the former Superintendent of Banks and transferred to the Department the
supervision of State-chartered building and loan associations. All of the foregoing Acts were subject to substantial recodification in the form of the Financial Institutions Code of Georgia (1974) which became effective April
1, 1975. Provisions of Title 7 of the Code of Georgia relating to Branch Banking and Bank Holding Companies were substantially amended effective July 1, 1976 to permit multi-bank holding companies under Departmental supervision. The Georgia Credit Union Deposit Insurance Corporation (GCUDIC) was established pursuant to a 1974 Act of the General Assembly under the supervision of the Department. GCUDIC insures deposits of certain Statechartered credit unions. Bank holding companies have been permitted to expand within a ten state southeastern region under the Department's supervision. Licensing of Check Cashers was required in 1990.

SUMMARY OF CONDITION AND STRUCTURAL CHANGES IN FINANCIAL INSTITUTIONS DURING 1991

The financial and statistical information contained in this report has been compiled from the annual reports of condition submitted by the 331 statechartered banks, one state-chartered trust company, 72 national banks, one national trust company, 115 state-chartered credit unions, one statechartered savings bank, and 19 licensed money order companies operating in this State, and other statistical information made available through the examination, investigation and licensing of financial institutions and other institutions under the supervision of the Department of Banking and Finance. This report, required by Section 7-1-74 of the Official Code of Georgia Annotated, provides factual and statistical information useful to the financial industry, financial institutions, and individuals who might be engaged in economic studies or might otherwise be interested in the evolution of Georgia's banking structure.

.........................................

Year-end call reports reflect a relatively flat growth in the banking system for 1991. Total assets for the
national and state-chartered banks amounted to $70 1 992 1 639,000 reflecting an increase of $739,416,000 or 1.057. over 1990 assets. Amounts do not include trust company assets.

Expansion of state-chartered banks through new banks, bank offices and facilities continued. An additional seven banks and 95 banking offices and facilities opened or were acquired during 1991. Eleven banks and 44 offices closed, converted or merged into national banks, bringing the total of state bank offices to 580.

During 1991 1 the Department approved 20 applications by financial holding companies to acquire controlling interest in additional financial institutions. Twelve of these applications were approved to establish new financial holding companies.

Twenty-four international bank agencies and four representative offices of international banks were registered or authorized to de business in Georgia at year-end.

Trust activities continue to be conducted principally by bank trust departments. There are two trust companies: one state-chartered and one national. Other depository financial institutions exercise limited trust powers in connection with individual retirement accounts authorized by the Employee Retirement Income Security Act of 1976 enacted by Congress.

SUMMARY OF CONDITION AND STRUCTURAL CHANGES IN FINANCIAL INSTITUTIONS DURING 1991

..B.....A........N.......K........s.....:..:...:...:..:...:..:....:...:...:..:...:...:..:...:..

:~!:;~ii~:t:~4~ . . . . .. .. .
.

. ... .. ...0 ............... ... . .

...0

.


..

Articles of Amendment of Articles of Incorporation were approved for two banks to increase/decrease their outstanding capital stock. Twelve banks were granted permission to issue authorized but unissued shares through stock dividends or sales. Amendments were approved for name changes f~r nine financial institutions and for a change in the par value of shares for one bank. Permission was granted for one bank to issue subordinated securities. Two applications were approved for banks to retire subordinated securities.

............



0



0

0

. . .....................

Credit Unions operating under state charter have experienced steady growth during 1991. Consolidated financial
and statistical reports of the 115 state-chartered credit unions reflect an increase in total assets of $540 1 841 1 000 or 18.0% to a total of $3,537,626,000. All state-chartered credit unions provide their members with deposit protection through the National Credit Union Share Insurance Fund or the Georgia Credit Union Deposit Insurance Corporation.

The Georgia Credit Union Deposit Insurance Corporation

.,....

had total resources of $17 1 614 1 423 at year-end and

.,....

insured deposits of 7 credit unions.

. . .... ....0.... ... .... .... .... .... ..... ......
H~Oi(::::: A$H~R$:

Pursuant to Title 7 1 Article 4A of the Official Code of Georgia, the Department is charged with the responsi-
bility to license and supervise Check Cashers. Two
hundred forty-nine licenses were issued during 1991.

SAte:::::::::::::::: . . . . . . . ... ... ...0 ............... .. ... . .....
~)=:8$~$:
. . . ... ... .. ... ..0 ........... .
. . . . . . . . . 0 0 0

The Department of Banking and Finance supervises the licensing of Check Sellers pursuant to the Georgia Sale of Checks Act enacted in 1965. Nineteen companies with a total of 5 1 639 agents throughout the State were licensed during 1991.
The Department is charged with the responsibility of supervising the operations of Bank Data Processing Cooperatives, Fiduciary Investment Companies, and Business Development Corporations. There is one business development corporation, but no fiduciary investment companies are currently operating.

OFFICIAL ROSTER
E. D. DUNN Commissioner
STEVEN D. BRIDGES, CFE Deputy Commissioner

ROBERT M. MOLER, CFE . . . . . . . . . . .ADVISORS. . . . . . . . . . . . AMELIA W. BAKER

Deputy Commissioner, Emeritus

Legal Counsel

ADMINISTRATIVE Personnel, Accounting and Budget, Clerical Support,
Currency Transaction Report Processing

Reece V. Morris, CFE, Deputy Commissioner for Administration. . . . . . . . . . . . . . . . . . . 986-1640

Melinda G. Kinard, CFE, Director of Training, EDP Dianne Blackstone, Programmer Analyst Sophia E'lom, Computer Operator . . . . . . .

986-1649 986-1648 986-1651

Marilyn Harris, Principal Accountant .. Renate Carroll, Accounting Technician II

.986-1641 .986-1641

Maggie Smith, Personnel Manager . . . .

.986-1638

Sonja Hencely, Confidential Secretary Rhoda Barcan, Senior Secretary Typist.

.986-1621 .986-1620

Wanda Hardman, Clerk Transcriber, Currency Transaction Reports. Merian Johnson, Clerk Transcriber, Currency Transaction Reports. Bonnie Steele, Clerk Transcriber, Currency Transaction Reports.

.986-1624 .986-1633 .986-1631

Henry "Hank" Tam, Storekeeper . . .

.986-1622

- iv -

SUPERVISORY
Bank, Thrift, Holding Company, and International Bank supervlslon, Investment
Securities, Reports of Apparent Criminal Irregularity, Consumer Affairs, Technical and Legal

David G. Sorrell, CFE, Deputy Commissioner . . . . . .

.EASTERN . .

.986-1629

C. Craig Smith, CFE, Assistant Deputy Commissioner. Susan Brown, Principal Secretary. . . . . . . . . .

.District 6.

.986-1636 .986-1657

Grace M. Lurry, CFE, Assistant Deputy Commissioner. Wayne M. Orr, CPA, Assistant Deputy Commissioner. Cathy Hill, Senior Secretary Typist . . . . . . . .

.District 2.

.986-1646

.District 4.

.986-1637

. . . . . . . . . . . . . . . 986-1656

John B. Kline, CFE, Deputy Commissioner.
Ralph J. Shire, CFE, Assistant Deputy Commissioner. Marilou Harvey, Principal Secretary . . . . . . .
Larry S. Moor, CFE, Assistant Deputy Commissioner George A. Reynolds, CFE, CPA, Assistant Deputy Commissioner Debbie Stahl, Senior Secretary Typist . . . . . . . . . . .

.WESTERN . .

.986-1630

. District 1.

.986-1644

. . . . . . . . . . . . . . . 986-1659

.District 5. . . . . . . . . . 986-1643 .District 3. . . . . . . . . . 986-1642 . . . . . . . . . . . . . . . 986-1658

CORPORATE Bank, Thrift, and Holding Company Applications, Corporate Charter Amendments, International Licensing,
International Bank Facility Permits, Business Production Office Registrations, Sale of Check Licensing,
Check Cashers Licensing, Georgia Credit Union Deposit Insurance Corporation, Consumer Affairs,
Department Bulletins and Annual Reports, Statistical Reports, Technical and Legal

Georgia G. High, CFE, Assistant Deputy Commissioner. Jeannie Benefield, Administrative Assistant. Vickie Busby, Administrative Assistant Judy Carter, Senior Secretary Typist . . . .

.Districts 2,3,4. .Districts 1,5,6.

.986-1645 .986-1647 .986-1639 .986-1652

- v-

DISTRICT
1
MARIETTA 404-988-9444 CALHOUN 404-602-0415
2
STONE MOUNTAIN 404-879-0366 ATHENS 404-549-8596
3
COLLEGE PARK 404-559-6621
4
DUBLIN 912-275-6740
5 ALBANY 912-430-4407 VALDOSTA 912-333-5299

DISTRICT AND ASSISTANT DISTRICT DIRECTORS Jackson D. Hardy, CFE Drexel Beck, CFE
David A. Hancock, CFE Tracy D. Whitesides, CPA/CFE
C. Douglas Peugh, CFE Larry E. Shelley, CFE
Robert H. Callier, CFE Gary F. Ford, CFE
Robley S. Rigdon, CFE Larry T. Duke, CFE

DISTRICT PERSONNEL

SENIOR EXAMINERS

EXAMINERS

ASSISTANT AND SENIOR ASSISTANT EXAMINERS

William D. Atkins, CFE Robert M. Braswell James M. Brooks, CFE James Emory

Ernest D. Coats, CFE Ronald F Furukawa Ira Goolsby
Victor A. Greene Larry J. Moody
Billy C. Wilson, Sr.

James N. Askew Teresa H. Johnson Malcolm Keith Mark Pressler
Charles D. Titshaw

Princess Brown, CFE Janet Blackmon, CFE Michael G. Killeen, CFE Jenny L. Neville, CPA/CFE Ned W. Overby Robert J. Rosentreter, CFE E. Nanette Sisk, CFE

Lori A. Binford M. Joel Byers Harold J. Carney Pamela S. Keane Vernon Tanner

Jeane P. Baulkmon Rongfeng 11 Becky11 Li Murali Ramachandran Carol A. Webb

Harry M. Brown Billie L. Reed Barry L. Rooks, CFE
Michael A. Rosser, CFE Angela Ruddick Kevin M. Sharpe Sandra Sheley, CFE Emory L. Stanford

Mayra Barzaga

Hal F. Allen George E. Campbell Margaret W. Clarke J. Danny Preston

Michael F. Hooks, CFE/CPA Hubert C. Miller, CFE

Vicki L. Brantley, CFE Gary E. Fields, CPA
Dianne H. Lovett Wesley Morris
Hersha Screws

Dennis McNeer H. Todd Gray
Mark A. Smith

Eugene S. Cline D. Ray Johnston Joyce R. Jones

Danny D. Adkins

R. Wayne Braswell

Gregory 0. Lowe

Kay T. Green

John F. Sutphin,III, CFE Joseph M. Mikula

Terry Tucker

6
DOUGLAS 912-383-4248
SA\JANNAH

R. Larry Herndon, CFE Jane Whit f i e1d

James F. Mills, CFE
David Widincamp Billy S. Wilson, Jr., CFE

Patrick T. Brahana, CFE George A. Keaveney Danny Watkins
Ricky Watkins

Gerald Bauman Robert Cothran Ernest R. Rodgers, Jr.

CURRENT STAFF

E. D. "Jack" Dunn Commissioner

Steven D. Bridges, CFE Deputy Commissioner

Robert M. Moler, CFE Deputy Commissioner, Emeritus

Reece V. Morris, CFE Deputy Commissioner
for Administration

John B. Kline, CFE Deputy Commissioner
for Supervision
- Vll-

David G. Sorrell, CFE
Deputy Commissioner for Supervision

Danny D. Adkins

Hal F. Allen

James N. Askew

William D. Atkins

Amelia W. Baker

Rhoda Barcan

Mayra Barzaga

Jeane P. Baulkmon

Gerald A. Bauman

Drexel Beck

Jeannie Benefield

Lori A. Binford

Janet Blackmon

Dianne Blackstone

Patrick T. Brahana

Vicki L. Brantley

Robert M. Braswell

R. Wayne Braswell

James M. Brooks

Harry M. Brown

Princess Brown

Susan Brown

Victoria Busby

M. Joel Byers

Robert H. Callier

George E. Campbell

Harold J. Carney

Renate Carroll

... ,.-- - ~ ~
\

,.

;

\ ~ "' 4' . '
t

~
Eugene S. Cline

Ernest D. Coats

Robert Cothran

Larry T. Duke

- ix-

Judy Carter

Margaret W. Clarke

James Emory

Sophia E'lom

Gary E. Fields

Gary F. Ford

Ronald F. Furukawa

H. Todd Gray

KayT. Green

Victor A. Greene

Ira D. Goolsby

David A. Hancock

Wanda Hardmon

Jackson D. Hardy

Marilyn Harris

Marilou Harvey

Sonja Hencely

R. Larry Herndon

Cathy Hill

Georgia High

Michael F. Hooks

Teresa H. Johnson

Merian Johnson

D. Ray Johnston

Joyce R. Jones

Pamela S. Keane

George Keaveney

Malcolm Keith

Michael G. Killeen

Melinda G. Kinard

Dianne H. Lovett

Gregory 0. Lowe

Grace M. Lorry

Dennis McNeer

Joseph M. Mikula

Hubert C. Miller

James F. Mills

Larry J. Moody

-xi-

Larry S. Moor

Wesley Morris

Jenny L. Neville

Wayne Orr

Ned W. Overby

C. Douglas Peugh

Mark Pressler

J. Danny Preston

Murali Ramachandran

Billie L. Reed

George A. Reynolds

Robley S. Rigdon

Ernest R. Rodgers, Jr.

Rongfeng "Becky" Li

Barry L. Rooks

Robert J. Rosentreter

Michael A. Rosser

Angela E. Ruddick

I Lt ..
Hersha J. Screws

Kevin M. Sharpe

Sandra Sheley

Larry E. Shelley

Ralph J. Shire

E. Nanette Sisk

C. Craig Smith

Maggie Smith

Mark A. Smith

Debbie Stahl

Emory L. Stanford

\

'

. . '. . J "" .. -""

..

.

' \

Bonnie C. Steele

John F. Sutphin, III

Henry "Hank" Tam

Vernon Tanner

Charles D. Titshaw, Jr.

Terry Tucker

Danny E. Watkins

- xiii -

Ricky Watkins

Carol A. Webb

/,
~
..~, ' . ~\' ' Tracy D. Whitesides

Jane Whitfield

David T. Widincamp

Billy C. Wilson, Sr.

Billy S. Wilson, Jr.

EXAMINATION DISTRICTS AND DISTRICT WORK AREAS

Plstr!ct 1
2
3 4 5
6

Locatjon
Marietta Calhoun
Stone Mountain Athens
College Park
Dublin
Albany Valdosta
Douglas Savannah

>
X

Designates District Work Areas

1991 RECEIPTS AND DISBURSEMENTS FISCAL YEAR

REVENUES COLLECTED

Bank Examination and Supervision Fees

$5,554,270.00

New Bank, Bank Office and Holding Company Investigation Fees

464,850.00

Credit Union Examination and Supervision Fees

608,959.19

Sale of Checks Investigation and License Fees

53' 726.00

Building and Loan Examination,

Supervision and Investigation Fees

0

Holding Company Examination and Supervision Fees

458,127.00

International Bank Examination and Supervision Fees

36,305.00

Check Casher License Fee

108,943.00

Miscellaneous Fees and Fines

6, 731.40

DISBURSEMENTS Personal Services Motor Vehicle Expense Supplies and Materials Repairs and Maintenance Travel Expense Motor Vehicle Equipment
Purchase Printing Equipment Purchases Office Rent Computer Communications Per Diem and Fees Other Operating Expenses

$5,599,204.50 85,043.46 22,512.95 13,526.19
282,267.39
169,085.94 10,987.63 9,303.85
213,322.27 94,851.74 47,986.16 23,937.45
100,724.49

Total Revenues Collected and Remitted

to Fiscal Division, Department of

Administrative Services

~7,291,911.59

Total Disbursements

NET REVENUES OVER DISBURSEMENTS
- xvi -

$619,157.57

$6,672,754.02

1991
LEGAL HOLIDAYS

January 1. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . New Year's Day

January 19.

. . . . . Robert E. Lee's Birthday

January 19.

Martin Luther King, Jr.'s Birthday

February 22

.(Observed Third Monday in February)

George Washington's Birthday

April 26

Confederate Memorial Day

May 30

(Observed Last Monday in May).

National Memorial Day

July 4

. . . Independence Day

First Monday in September . .

. . . . . . . . Labor Day

October 12 . . . . . (Observed Second Monday in October)

. . . . . . . Columbus Day

November 11 . .

. . . Veterans Day

Fourth Thursday in November

.Thanksgiving Day

December 25 . .

. . Christmas Day

Whenever a public and legal holiday occurred on a Saturday, the preceding Friday was observed as a public holiday. Whenever a public and legal holiday occurred on a Sunday, the following Monday was observed as a public and legal holiday.
State Government Offices closed fourth Friday in November and one additional day in association with Christmas observance as compensatory time for Lee and Washington Birthday observations which occur when the General Assembly is in session or is in conflict with some other observation. Financial Institutions may close on these days in addition to the listed Legal Holidays.

- XV i i -

PROPOSED NAME Century Bank and Trust
(proposed name change) Dry Branch Credit Union
(proposed name change) First Bank of Bryan County
(proposed bank) Athens First Bank & Trust Company
(proposed conversion) Georgia Power Northeast Credit Union
(proposed name change) Crescent State Bank
(proposed name change) Peach State Bank
(proposed name change) First AI I iance Bank
(proposed name change) Central Bank & Trust
(proposed name change)

APPLICATIONS FOR RESERVATION OF A NAME COUNTY Baldwin
Bibb
Bryan Clarke Clarke Clayton
Clayton
Cobb
Crisp

APPLICANT

Mr. R. B. Wise, President

The Merchants and Farmers Bank

of Milledgeville

P.O. Box 768

Mi I Iedgev i I Ie

31061

Ms. Kathy H. Howel I

Georgia Kaolin Employees

Credit Union

P.O. Box 468 D

Dry Branch

31020

Mr. C. Harris Meadows

Bryan Bancshares, Inc.

P.O. Box 1440

Pembroke

31321

Mr. James J. McAiphin, Jr.

Powel 1, Goldstein, Frazer & Murphy

35 Broad Street, NW

Atlanta

30335

Mr. James W. Jarrard, President

Athens Division Credit Union

1001 Prince Avenue

Athens

30606

Kathryn ~. Knudson

Powel I, Goldstein, Frazer & Murphy

191 Peachtree Street, NE

Sixteenth Floor

Atlanta

30303

Kathryn L. Knudson

Powel I, Goldstein, Frazer & Murphy

191 Peachtree Street, NE

Sixteenth Floor

Atlanta

30303

Nancy LaFoy

T. Stephen Johnson & Associates

9755 Dogwood Road

Suite 310

Roswel I

30075

Mr. James J. McAlpin, Jr.

Powel 1, Goldstein, Frazer & Murphy

191 Peachtree Street

16th Floor

Atlanta

30303

- 1-

APPLICATIONS FOR RESERVATION OF A NAME

PROPOSED NAME
Fayette County Interim Savings and Loan Association (proposed merger)

COUNTY Fayette

Citizens First Bank (proposed bank conversion)
Citizens First Bank of Rome (proposed bank)
The Bottlers Credit Union (proposed name change)

Floyd Floyd Fulton

The Sakura Bank, Limited (proposed name change)

Fulton

The Citizens and Southern Bank of Glynn County (proposed merger)

Glynn

HomeTrust Bank of Georgia (proposed conversion)
Northeast Georgia Health Services Credit Union (proposed name change)
Northeast Georgia Medical Center Credit Union (proposed name change)
Allied Bank (proposed merger)

Ha I I Ha I I Ha I I McDuffie

- 2-

APPLICANT

Mr. Robert T. Mol inet

Smith, Gambrel I & Russel I

3343 Peachtree Road, NE

Suite 1800

Atlanta

30326

Kathleen Moates, Vice President

Synovus Financial Corp.

P.O. Box 120

Columbus

31902

Ms. Kathleen Moates, Vice President

Synovus Financial Corp.

P.O. Box 120

Columbus

31902

Ms. Nel I Murphy, President

Atlanta Coca-Cola Botti ing Company

Employees Credit Union

100 Gal Jeri a Parkway

Atlanta

30339

Mr. Shigemoto Morisaki, General Mgr

The Mitsui Taiyo Kobe Bank, Limited

245 Peachtree Center Avenue, NE

Suite 2703

Atlanta

30303

Ms. Jan Ezel I, Corp. Legal

Alston & Bird

One Atlantic Center

1201 W. Peachtree St

Atlanta

30309

Assist.

Edgar B. Dunlap, I I

Attorney at Law

405 Washington Street

Gainesvi I le

30501

Lori M. Haff, President

H.C.H Employees Credit Union

743 Spring Street, NE

Ga i nesvi I Ie

30501

Ms. Lori M. Haff, President

H.C.H. Employees Credit Union

743 Spring Street, NE

Gainesvi I le

30501

Ben 0. Howel I, Jr.

Chief Financial Officer

AI I i ed Bank shares, Inc.

P.O. Drawer 1020

Thomson

30824

PROPOSED NAME AI I ied Bank of Georgia
(proposed merger)

APPLICATIONS FOR RESERVATION OF A NAME COUNTY McDuffie

Central Carol ina Bank-Georgia (proposed credit card bank)

Musco gee

First Alabama Bank of Columbus (proposed bank)
The Citizens Bank of Paulding County (proposed name change)
Randolph County Savings and Loan Assoc. of Cuthbert (proposed savings and loan)
Richmond Bank and Trust (proposed bank & trust)

Musco gee Paulding Randolph Richmond

United Bank of Griffin (proposed name change)

Spalding

Broadstreet International Bank of Georgia (proposed bank)

Unknown

Fidelity Bank & Trust (proposed name change)

Whitfield

APPLICANT

Ben 0. Howe I I, Jr.

Chief Financial Officer

AI I ied Bankshares, Inc.

P.O. Drawer 1020

Thomson

30824

Christopher B. Moxley

ward and Smith, P.A.

1001 Col lege Court

P.O. Box 867

New Bern

NC 28563

Vernon R. Wi Ison 417 North 20th Street Birmingham AL 35202

Ms. Sharon L. McBrayer, Esq.

Parker, Johnson, Cook & Dunlevie

1275 Peachtree Street, NE

Atlanta

30309

Morgan G. Murphy, President

First State Bank & Trust Company

333 Broad Avenue

Albany

31703

Mr. James H. Rigsby, Jr.

President

AI I ied Bankshares, Inc.

P.O. Drawer 1020

Thomson

30824

AI I ie S. Edwards

Attorney

United Bank Corporation

P.O. Box 144

Griffin

30224

John L. Gornal I, Jr.

Arnal I Golden & Gregory

55 Park Place

Suite 400

Atlanta

30335

Mr. L.A. swanson, Jr.

President & CEO

Fidelity Federal Savings Bank

P.O. Box 1504

Dalton

30722

- 3-

PROPOSED NAME Bank of Worth
(proposed bank)
Worth State Savings and Loan Association (proposed savings and loan)

APPLICATIONS FOR RESERVATION OF A NAME COUNTY Worth
Worth

APPLICANT

Mr. John T. McGoldrick, Jr.

Martin, Snow, Grant & Napier

240 Third Street

Macon

31202

John T. McGoldrick, Jr.

Martin, Snow, Grant & Napier

P.O. Box 1606

Macon

31202

PREVIOUS NAME Athens Division Credit Union Athens The Atlanta Coca-Cola Bottling Co. Credit Union Atlanta Georgia Kaolin Credit Union Dry Branch HCH Employees' Credit Union Gainesvi lie Commercial Exchange Bank Kennesaw Bank of Molena Molena Pitts Banking Company Pitts Worth State Savings and Loan Association Sylvester Bank of Thomson Thomson

NOTICE OF CHANGE IN NAME NEW NAME Georgia Power Northeast Credit Union The Bottlers Credit Union Dry Branch Credit Union Northeast Georgia Health Services Credit Union First AI I iance Bank First Bank of Pike Community Bank of Wilcox Bank of Worth AI I ied Bank of Georgia

- 4-

APPROVAL DATE
10-29-91 11-04-91 3-04-91 10-07-91 8-22-91 2-13-91 5-20-91 4-29-91 9-24-91

EFFECTIVE DATE
10-31-91 11-07-91
3-07-91 10-11-91
2-13-91 5-21-91 7-31-91

FINANCIAL INSTITUTION

Central Carolina Bank-Georgia

33 West 11th Street

Columbus

31901

First Alabama Bank of Columbus

201 13th Street

Columbus

31901

First Community Bank of Dawsonvi I le

State Rt 400 & State Rt 53 East

Dawsonvi I le

30534

Richmond Bank & Trust

2509 Highway 88

Hephzibah

30815

First Piedmont Bank & Trust

Roberts Road and U.S. Highway 129

Jefferson

30549

First Bank of Bryan County

202 West North Bacon Street

Pembroke

31321

Eagle Bank and Trust

335 South Main Street

Statesboro

30458

DeKalb State Bank

3333 Lawrencevi I le Highway

Tucker

30084

APPLICATIONS FOR NEW FINANCIAL INSTITUTIONS CAPITALIZATION $ 6,000,000 $ 6,000,000 $ 4,213,270 $ 3,000,000 $ 4,000,000 $ 3,250,000 $ 4,000,000 $ 5,094,410

COMPANY NAME

Circle K Money Orders Corporation

Phoenix

AZ 85006

Ruesch International, Inc.

New York

NY 10020

APPLICATIONS FOR SALE OF CHECKS OR MONEY ORDERS (O.C.G.A. 7-1-683)
- 5-

APPROVAL DATE Pending

BEGIN BUSINESS
DATE

7-24-91

7-29-91

9-08-89

4-22-91

5-07-91

Disapproved

Withdrawn

1-05-90

2-20-91

5-01-89

8-05-91

APPROVAL DATE 9-30-91
10-22-91

FINANCIAL INSTITUTION CONVERSIONS

PREVIOUS NAME Athens Federal Savings Bank Athens Clark Community Federal Credit Union Athens Randolph County Federal Savings and Loan Assoc. Cuthbert Home Federal Savings Bank of Georgia Gainesvi lie United Bank of Griffin, FSB Griffin Citizens Federal Savings Bank of Rome Rome Worth Federal Savings and Loan Association Sylvester

CONVERTED TO Athens First Bank & Trust Company Clarke Community Credit Union Randolph County Savings and Loan Assoc. of Cuthbert HomeTrust Bank of Georgia United Bank of Griffin Citizens First Bank Worth State Savings and Loan Assoc. (Bank of Worth)

APPROVAL DATE
8-23-91
Rescinded
8-23-91 10-10-91
9-19-91
Pending
4-29-91

EFFECTIVE DATE
8-31-91 10-22-91 10-31-91
7-31-91

FINANCIAL INSTITUTION
AMILSCO Credit Union Atlanta
southern Freight Bureau Employees Credit Union Atlanta
But ldog Trucking Employees Credit Union Carnesv i I Ie
Richmond Bank & Trust Hephzibah

APPROVAL OF DISSOLUTION

- 6-

APPROVAL DATE
4-23-91
Pending Pending
10-23-91

EFFECTIVE DATE
4-25-91
10-25-91

FINANCIAL INSTITUTION (SURVIVOR)
First State Bank & Trust Company Albany
Associated Credit Union Atlanta
Atlanta Postal Credit Union Atlanta
Bank South, National Association Atlanta
Bank South, National Association Atlanta
Bank South, National Association Atlanta
Bank South, National Association At Ianta
Bank South, National Association Atlanta
Bank South, National Association Atlanta
Bank South, National Association Atlanta
Peachtree Federal Credit Union Atlanta
State Employees Credit Union Atlanta
Trust Company Bank Atlanta
Trust Company Bank Atlanta
Trust Company Bank Atlanta
Trust Company Bank Atlanta
Trust Company Bank Atlanta

FINANCIAL INSTITUTION MERGERS
MERGED INSTITUTION
Randolph County Savings & Loan Assoc. of Cuthbert Cuthbert
Lovable Credit Union Buford
Federal Employees Credit Union Macon
Bank South, Douglas Douglas
Bank South, Fitzgerald Fitzgerald
Bank South, Macon Macon
Bank South, Jasper County, N.A. Monticello
Bank South, Houston County, N.A. Perry
Bank South, Washington County lenni II e
Bank South, Waycross Waycross
S.M.C.R.C. Credit Union Atlanta
Georgia Department of Labor Credit Union Atlanta
Trust Company Bank of Cobb County N.A. Atlanta
Trust Company Bank of Carro I I County Bowdon
Trust Company Bank of Rockdale County Conyers
Trust Company Bank of Clayton County Jonesboro
Trust Company Bank of Gwinnett County Lawrencevi lie
- 7-

APPROVAL DATE
8-23-91 8-14-91 12-31-91 12-23-91 12-23-91 12-23-91 12-23-91 12-23-91 12-23-91 12-23-91
8-28-90 2-07-91 2-07-91 2-07-91 2-07-91 2-07-91

EFFECTIVE DATE
10-22-91 8-16-91
12-31-91 12-31-91 12-31-91 12-31-91 12-31-91 12-31-91 12-31-91 12-31-91
8-15-91 1-23-91 5-24-91 5-24-91 5-03-91 5-03-91 4-05-91

FINANCIAL INSTITUTION (SURVIVOR)
Trust Company Bank At Ianta
Citizens Bank and Trust of West Georgia Carro I I ton
Five Star Federal Credit Union Cedar Springs
Combustion Federal Credit Union Chattanooga, TN
Georgia Federal Credit Union Clarkston
Georgia Federal Credit Union Clarkston
Columbus Postal Credit Union Columbus
First National Bank of Newton County Covington
Commercial Exchange Bank Kennesaw
The Georgia State Bank of Rome Rome
Bank of Thomson Thomson

FINANCIAL INSTITUTION MERGERS
MERGED INSTITUTION
Trust Company Bank of Henry County N.A. McDonough
Carrol I National Bank Carro I I ton
Callaway Gardens Credit Association Pine Mountain
Tri-State Credit Association Chatsworth
Whitfield County Postal Employees Credit Union Dalton
The Woodco Credit Union Decatur
Columbus Regional Hospital Credit Union Columbus
Citizens Bank of Newton County Covington
First Peoples Bank of Cobb County Marietta
Bank of Cave Spring Cave Spring
Bank of Columbia County llarlem

= No approval date No approval required by Department

APPROVAL DATE
2-07-91 6-14-91
4-09-91 5-20-91
8-22-91 Rescinded
9-24-91

EFFECTIVE DATE
4-05-91 6-26-91 10-31-91 7-17-91 12-31-91 4-11-91 5-23-91 11-06-91

- 8-

-NAM-E -OF -BA-NK
First Bank and Trust Company
Exchange Bank
United Bank & Trust

MISCELLANEOUS APPLICATIONS

LOCATION Athens Mi 11 edgevi 11e Rockmart

NATURE OF APPLICATION
Exercise Limited Trust Powers
Exercise Limited Trust Powers
Directors' Liability

APPROVED 4-01-91 12-20-91 7-16-91

- 9-

STATE AND NATIONAL BANKS

CITY
Abbeville Abbeville Adairsville Adel Adel Ailey Alamo Alapaha Albany Albany Albany Albany Allentown Alma Alma Alpharetta Americus Americus Arlington Ashburn Ashburn Athens Athens Athens Athens Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta

COUNTY
Wilcox Wilcox Bartow Cook Cook Montgomery Wheeler Berrien Dougherty Dougherty Dougherty Dougherty Wilkinson Bacon Bacon Fulton Sumter Sumter Calhoun Turner Turner Clarke Clarke Clarke Clarke Fulton Cobb Fulton Fulton DeKalb Fulton

-NAM-E -OF -BA-NK
Dorsey State Bank Wilcox County State Bank *Bank of Adairsville Adel Banking Company Farmers and Merchants Bank Montgomery County Bank Wheeler County State Bank Bank of Alapaha *First National Bank of South Georgia
First State Bank & Trust Company
Security Bank and Trust Company of Albany *Trust Company Bank of South Georgia, N.A.
The Four County Bank
Alma Exchange Bank & Trust
*The First National Bank of Alma First Colony Bank Citizens Bank of Americus Sumter Bank and Trust Company Bostwick Banking Company Ashburn Bank
*Community National Bank
Athens First Bank & Trust Company
First American Bank and Trust Company *Georgia National Bank *Trust Company Bank of Northeast Georgia, N.A. *Bank South, National Association
Barnett Bank of Atlanta *Citizens Trust Bank
Commercial Bank of Georgia *Embry National Bank *First American Bank of Georgia, N. A.

*Member of Federal Reserve System **Amounts are in thousands as of 12-31-91

- 10 -

CHARTER DATE
10-04-1972 4-22-1952 3-21-1899 2-27-1929 12-11-1947 2-24-1926 1-15-1945 3-04-1905 5-29-1991 3-31-1961 4-17-1970 11-01-1945 8-18-1941 7-28-1981 2-15-1950 7-30-1984 2-20-1937 10-01-1973 8-27-1935 7-03-1900 8-06-1990 8-31-1991 9-24-1949 1-04-1988
-1866 12-07-1909
6-29-1918 7-12-1921 6-14-1988 12-07-1987 6-11-1911

TOTAL **ASSETS
4,037 23,157 29,415 40,083 30,652 45,564 17' 113 33,980 15,371 310,528 138,701 398,539 22,045 39,317 54,695 51,484 73,286 158,297 20,871 70,625 34,616 489,917 78,072 72,394 314,797 4,047,297 703,746 109,911 70,453 39,569 1,348,407

STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

CHARTER DATE

Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Augusta Augusta Bainbridge Bainbridge Ball Ground Barnesville Barnesville Barwick Baxley Blackshear Blackshear Blairsville Blairsville Blakely Blakely Blue Ridge

Fulton Fulton Fulton Fulton Fulton DeKalb Cobb Fulton Fulton Fulton Fulton DeKalb Fulton Cobb Fulton Richmond Richmond Decatur Decatur Cherokee Lamar Lamar Brooks Appling Pierce Pierce Union Union Early Early Fannin

*First Union National Bank of Georgia *Georgia Bankers Bank *NationsBank Trust Company (Georgia) N.A. *NCNB National Bank
Paces Bank & Trust
Reliance Trust Company The Business Development Corporation of Georgia,Inc The Chattahoochee Bank *The Enterprise National Bank of Atlanta The Merchant Bank of Atlanta The Prudential Bank and Trust Company *The Summit National Bank *Trust Company Bank
*Vinings Bank & Trust, National Association
*Wachovia Bank of Georgia, National Association
Georgia Bank & Trust Company of Augusta
*Trust Company Bank of Augusta, N.A. *Bainbridge National Bank
The First Port City Bank Citizens Bank *The First National Bank of Barnesville United Bank Barwick Banking Company
Peoples State Bank & Trust
Peoples Bank *The Blackshear Bank *First National Bank of Union County
Union County Bank Bank of Early First State Bank of Blakely Peoples Bank of Fannin County

4-10-1969 1-18-1985 7-11-1986 11-17-1952 5-11-1988 2-11-1981 5-02-1973 2-28-1986 6-01-1987 5-18-1987 7-20-1945 3-10-1988 9-21-1891 10-23-1987
-1865 9-07-1988 8-10-1871 4-01-1991 4-03-1974 9-28-1926 4-02-1902 4-14-1971 2-16-1967 5-04-1966 8-01-1946 7-07-1892 1-04-1982 2-18-1949 4-03-1941 5-06-1937 5-27-1986

*Member of Federal Reserve System **Amounts are in thousands as of 12-31-91

- 11 -

TOTAL **ASSETS
4,526,769 136,706 58,490 155,883 17,913 2,826
243,286 50,290 146,928
1,155,264 69,195
8,679,948 39,454
8,826,079 58,015
362,014 63,997 53,931 77' 689 62,403 52,350 5,190 27,993 58,694
34~881
37,944 153,919
39,160 52,989 52,059

STATE AND NATIONAL BANKS

CITY
Braselton Broxton Brunswick Brunswick Brunswick Brunswick Buchanan Buford Butler Byron Cadwell Cairo Cairo Cairo Calhoun Calhoun Camilla Camilla Canton Canton Canton Carnesville Carrollton Carrollton Carrollton Cartersville Cartersville Cartersville Cave Spring Cedartown Chatsworth

COUNTY
Jackson Coffee Glynn Glynn Glynn Glynn Haralson Gwinnett Taylor Peach Laurens Grady Grady Grady Gordon Gordon Mitchell Mitchell Cherokee Cherokee Cherokee Franklin Carroll Carroll Carroll Bartow Bartow Bartow Floyd Polk Murray

-NAM-E -O-F B-AN-K
Braselton Banking Company Broxton State Bank *Barnett Bank of Southeast Georgia, N.A. The Coastal Bank of Georgia The First Bank of Brunswick *Trust Company Bank of Southeast Georgia, N.A. *The First National Bank of Haralson County
Peoples Bank & Trust
The Citizens State Bank Middle Georgia Bank Farmers State Bank Cairo Banking Company Citizens Bank *First National Bank of Grady County
Georgia Bank & Trust
*The Calhoun First National Bank Bank of Camilla Planters & Citizens Bank Bank of Canton Etowah Bank Security State Bank First Bank and Trust Citizens Bank and Trust of West Georgia The Community Bank of Carrollton
*West Georgia National Bank of Carrollton Bartow County Bank
First Community Bank & Trust
Peoples Bank of Bartow County Bank of Cave Spring *The First National Bank of Polk County Cohutta Banking Company

*Member of Federal Reserve System **Amounts are in thousands as of 12-31-91

- 12 -

CHARTER DATE
12-13-1948 8-04-1966
-1889 10-30-1981
3-23-1989 -1894
3-03-1909 12-20-1983 9-04-1926 10-30-1962 8-23-1972 11-23-1903 12-03-1903
6-19-1918 4-09-1987 1-12-1905 11-04-1889 9-20-1904 11-17-1892 1-22-1927 3-06-1989 7-18-1960 11-25-1946 11-06-1987 9-16-1946 6-07-1973 7-13-1988 4-23-1984 12-15-1966 1-01-1920 7-17-1905

TOTAL **ASSETS
5,142 21,469 189,343 108,454 26,056 371,770 68,472 58,801 29,813 71,441 39,185 81,234 15,009 68,764 72,742 121,819 46,434 54,219 168,213 173,877 17,572 51,175 178,700 34,727 124,494 75,172 33,632 51,221 14,395 74,094 111,039

STATE AND NATIONAL BANKS

CITY
Chatsworth Chester Chickamauga Clarkesville Claxton Claxton Clayton Clayton Clayton Cleveland Cleveland Cobbtown Cochran Cochran Colquitt Columbus Columbus Columbus Columbus Columbus Columbus Columbus Comer Commerce Commerce Conyers Coolidge Cordele Cordele Cornelia Cornelia

COUNTY
Murray Dodge Walker Habersham Evans Evans Rabun Rabun Rabun White White Tattnall Bleckley Bleck ley Miller Musco g e e Muscogee Musco g e e Muscogee Muscogee Musco g e e Musco g e e Madison Jackson Jackson Rockdale Thomas Crisp Crisp Habersham Habersham

-NAM-E-OF- B-AN-K
*The First National Bank of Chatsworth Bank of Dodge County Bank of Chickamauga Habersham Bank The Claxton Bank
Tippins Bank & Trust Company
Bank of Clayton
First Clayton Bank & Trust Company
Rabun County Bank *The First National Bank of White County
White County Bank The Brown Bank State Bank of Cochran ThP. Citizens Bank of Cochran ... ae .Peoples Bank Barnett Bank of Southwest Georgia Columbus Bank and Trust Company First Alabama Bank of Columbus
First Columbus Community Bank & Trust Company
*SouthTrust Bank of Columbus,N.A. *Trust Company Bank of Columbus, N.A.
Universal Bank Merchants and Farmers Bank of Comer, Georgia
Community Bank & Trust - Jackson
*The First National Bank of Commerce Rockdale Community Bank Bank of Thomas County Cordele Banking Company First State Bank and Trust Company in Cordele
Community Bank & Trust - Habersham
*First National Bank of Habersham

*Member of Federal Reserve System **Amounts are in thousands as of 12-31-91

- 13 -

CHARTER DATE
8-18-1975 6-14-1966 2-16-1910 5-13-1904 2-24-1941 8-30-1940 10-18-1984 6-02-1989 5-01-1974 12-11-1945 12-02-1975 6-24-1970 12-22-1921 4-24-1942 3-16-1973 1-17-1990 12-24-1888 7-24-1991 3-21-1988 11-20-1989
-1892 2-26-1990 10-03-1935 5-28-1982 1-01-1904 12-30-1987 12-18-1911 5-31-1927 12-31-1984 7-03-1900 9-15-1979

TOTAL **ASSETS
47,245 25,227 36,284 160,466 64,566 31,113 112,651 24,375 47,561 94,778 80,269
6,839 57,331 36,601 35,389 330,170 1,213,239 109,954 45,353 16,945 331,633 28,663 33,892 35,881 104,505 30,871 11,360 72,595 65,000 122,753 109,519

STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Covington Covington Crawford Crawfordville Cumming Cumming Cuthbert Dahlonega Dahlonega Dallas Dallas Dalton Dalton Danielsville Darien Dawson Dawson Dawsonville Dawsonville Decatur Decatur Dexter Donalsonville Donalsonville Douglas Douglas Douglas Douglasville Douglasville Douglasville Dublin

Newton Newton Oglethorpe Taliaferro Forsyth Forsyth Randolph Lumpkin Lumpkin Paulding Paulding Whitfield Whitfield Madison Mcintosh Terrell Terrell Dawson Dawson DeKalb DeKalb Laurens Seminole Seminole Coffee Coffee Coffee Douglas Douglas Douglas Laurens

*First National Bank of Newton County The Bank of Covington The Commercial Bank The Peoples Bank Lanier Bank & Trust Company The Peoples Bank of Forsyth County First State Bank of Randolph County Bank of Dahlonega Lumpkin County Bank The Citizens Bank, Dallas, Georgia
*The First National Bank of Paulding County
Dalton/Whitfield Bank & Trust Hardwick Bank & Trust Company
Bank of Danielsville Southeastern Bank Bank of Dawson Bank of Terrell Dawson County Bank First Community Bank of Dawsonville Bank Atlanta *Fidelity National Bank The Knight State Bank Commercial State Bank Merchants and Farmers Bank Coffee County Bank *First National Bank of Coffee County Trust Company Bank of Coffee County
Citizens & Merchants State Bank
Douglas County Bank The Commercial Bank Farmers and Merchants Bank

*Member of Federal Reserve System **Amounts are in thousands as of 12-31-91

- 14 -

CHARTER DATE
8-28-1963 4-10-1901 9-02-1924 12-08-1947 10-06-1986 12-20-1983 12-31-1958 5-27-1914 5-06-1981 7-23-1962 2-01-1922 3-23-1989 2-17-1922 12-11-1904 12-08-1888 6-29-1911 3-23-1936 7-01-1953 10-23-1989 7-28-1986 2-12-1974 1-30-1967 10-21-1938 9-24-1925 6-19-1931 9-23-1991 5-22-1945 5-29-1986 5-18-1973 4-24-1942 5-26-1910

TOTAL **ASSETS
101,002 169,247
31,917 15,951 54,587 85,156 34,279 118,952 28,942 51,375 124,642 52,650 244,588 44,449 195,882 54,276 61,176 48,099 15,978 41,644 237,412 22,116 37,458 32,955 51,335 10,376 114,535 38,376 37,308 130' 710 161,682

STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Dublin Dudley Duluth Duluth East Point Eastman Eastman Eatonton Eatonton Edison Elberton Elberton Ellaville Ellijay Ellijay Evans Fairburn Fayetteville Fayetteville Fitzgerald Forsyth Forsyth Fort Oglethorpe Fort Valley Fort Valley Franklin Gainesville Gainesville Gainesville Gainesville Gainesville

Laurens Laurens Gwinnett Gwinnett Fulton Dodge Dodge Putnam Putnam Calhoun Elbert Elbert Schley Gilmer Gilmer Columbia Fulton Fayette Fayette Ben Hill Monroe Monroe Catoosa Peach Peach Heard Hall Hall Hall Hall Hall

The Morris State Bank Bank of Dudley Citizens Bank of Gwinnett *Gwinnett National Bank First Bank of Georgia Bank of Eastman
Citizens Bank & Trust Company Farmers & Merchants Bank
The Peoples Bank The Bank of Edison *First National Bank in Elberton Granite City Bank Bank of Ellaville *First National Bank of Gilmer County The Bank of Ellijay
Citizens Bank & Trust
Fairburn Banking Company Barnett Bank of Fayette County Citizens Bank and Trust of Fayette County The Bank of Fitzgerald Monroe County Bank The Farmers Bank Capital Bank *First South Bank, N.A. The Citizens Bank The Bank of Heard County
Gainesville Bank & Trust
*Georgia First Bank HomeTrust Bank of Georgia
*Lanier National Bank The Citizens Bank

*Member of Federal Reserve System **Amounts are in thousands as of 12-31-91

- 15 -

CHARTER DATE
7-31-1958 10-02-1905
1-31-1984 6-01-1989 10-06-1987 12-28-1918 3-13-1949 10-30-1922 3-16-1944 9-24-1904 3-12-1934 8-31-1984 9-10-1910 1-01-1991 5-21-1914 10-07-1987 7-16-1984 2-16-1906 8-06-1990 11-10-1975 11-02-1908 3-09-1910 12-04-1963 10-11-1924 12-24-1906 10-14-1905 7-20-1987 4-24-1984 10-31-1991 8-01-1989 5-19-1913

TOTAL **ASSETS
66,691 37,887 73,914 29,713 48,666 71,636 63,273 57,168 44,748 35,669 116' 428 102,321 25,543 48,287 96,647 41,089 70,262 99,336 32,396 86,385 32,727 36,257 52,047 135,252 47,101 29,397 58,766 51,060 314,415 42,173 115' 886

STATE AND NATIONAL BANKS

CITY
Gainesville Gibson Glennville Glennville Gordon Gray Greensboro Greensboro Greenville Griffin Griffin Haddock Hahira Hahira Harlem Hartwell Hawkinsville Hawkinsville Hazlehurst Hiawassee Hiawassee Hinesville Hinesville Hiram Hogansville Homer Homerville Irwinton Jackson Jasper Jasper

COUNTY
Hall Glascock Tattnall Tattnall Wilkinson Jones Greene Greene Meriwether Spalding Spalding Jones Lowndes Lowndes Columbia Hart Pulaski Pulaski Jeff Davis Towns Towns Liberty Liberty Paulding Troup Banks Clinch Wilkinson Butts Pickens Pickens

-NAM-E -OF -BA-NK
*The First National Bank of Gainesville Bank of Gibson First Citizens Bank The Glennville Bank and Trust Company The Gordon Bank Bank of Gray Citizens Union Bank The Central and Southern Bank of Greensboro The Greenville Banking Company
*First National Bank of Griffin The Bank of Spalding County Jones County Bank Citizens Community Bank Commercial Banking Company Bank of Columbia County Bank of Hartwell Planters Bank The Pulaski Banking Company Bank of Hazlehurst Bank of Hiawassee
*Mountain Bank of Georgia The Coastal Bank The Hinesville Bank Community Trust Bank The Citizens Bank Bank of Banks County Empire Banking Company Wilkinson County Bank Mcintosh State Bank Crescent Bank and Trust Company Jasper Banking Company

*Member of Federal Reserve System **Amounts are in thousands as of 12-31-91

- 16 -

CHARTER DATE
-1889 11-07-1905 12-31-1942
1-12-1905 6-08-1946 8-23-1909 3-09-1946 10-13-1926 10-24-1887 5-12-1933 11-12-1986 7-14-1905 2-12-1927 1-29-1945 11-29-1909 5-15-1961 2-27-1896 7-20-1949 10-19-1906 1-14-1909 11-08-1983 7-09-1970 9-04-1911 2-18-1987 11-30-1961 6-25-1974 3-01-1945 7-16-1907 2-14-1964 11-02-1988 1-17-1945

TOTAL **ASSETS
884,296 6,039
37,046 48,668 24,411 51, 916 82,338 58,167 17,714 144,624 45,860
3,701 30,404 24,019 67,724 50,510 49,877 44,394 40,761 82,733 15,308 68,836 94,589 44,666 23,216 43,905 39,531 19,414 58,717 26,109 93,025

STATE AND NATIONAL BANKS

CITY

COUNTY

Jasper Jefferson Jeffersonville Jesup Kennesaw Kennesaw Kingsland Lakeland Lavonia Lavonia Lawrenceville Lawrenceville Lawrenceville LaFayette LaGrange LaGrange Leary Lenox Lincolnton Lithonia Lithonia Loganville Louisville Louisville Lumber City Lumpkin Lyons Mableton Macon Macon Macon

Pickens Jackson Twiggs Wayne Cobb Cobb Camden Lanier Franklin Franklin Gwinnett Gwinnett Gwinnett Walker Troup Troup Calhoun Cook Lincoln DeKalb DeKalb Walton Jefferson Jefferson Telfair Stewart Toombs Cobb Bibb Bibb Bibb

Pickens County Bank *The First National Bank of Jackson County
Peoples State Bank *Wayne National Bank
First Alliance Bank
The Westside Bank & Trust Company
Citizens State Bank Farmers and Merchants Bank Northeast Georgia Bank Peoples Bank, Lavonia, Georgia *Commercial Bank of Gwinnett, National Association The Bank of Gwinnett County *The Brand Banking Company The Bank of LaFayette, Georgia
Commercial Bank & Trust Company of Troup County
The Bank of Troup County Jordan Banking Company Bank of Lenox Farmers State Bank First Southern Bank The Peoples Bank Bank of Loganville Bank of Jefferson County
*The First National Bank & Trust Company
Bank of Lumber City Farmers State Bank Peoples Bank Community Bank & Trust Company First Macon Bank & Trust Company *Security National Bank *Trust Company Bank of Middle Georgia, N.A.

*Member of Federal Reserve System **Amounts are in thousands as of 12-31-91

CHARTER DATE
8-25-1976 1-01-1908 12-10-1969 9-26-1990 1-10-1985 12-27-1989 7-28-1981 4-08-1907 9-20-1940 9-10-1987 7-27-1990 9-08-1987 6-02-1905 11-13-1889 7-08-1941 6-06-1984 12-30-1965 6-20-1907 9-26-1911 3-16-1987 8-26-1910 5-06-1946 1-06-1988 1-01-1902 5-22-1945 10-21-1911 5-04-1935 6-12-1985 5-22-1987 11-03-1988 9-12-1912

- 17 -

TOTAL **ASSETS
42,653 47,214
11' 452 19' 114 40,421 32,520 13,353 54,852 58,010 29' 211 31,793 57' 45 7 193,834 95,642 103,728 26,264
7,903 14,851 42,876 20,321 49,733 24,716 16,240 75,048 11,238 23,394 38,021 66,379 56,648 53,100 557,977

STATE AND NATIONAL BANKS

CITY
Madison Manchester Marietta Marietta Marietta Marietta Marietta Martinez McDonough McRae McRae Metter Metter Milan Milledgeville Milledgeville Milledgeville Milledgeville Millen Millen Molena Monroe Monroe Monticello Morrow Moultrie Moultrie Mount Vernon Nashville Nashville Newington

COUNTY
Morgan Meriwether Cobb Cobb Cobb Cobb Cobb Columbia Henry Telfair Telfair Candler Candler Telfair Baldwin Baldwin Baldwin Baldwin Jenkins Jenkins Pike Walton Walton Jasper Clayton Colquitt Colquitt Montgomery Berrien Berrien Screven

- NAM-E - OF -BA- NK
Bank of Madison
F & M Bank and Trust Company
Charter Bank and Trust Co. Cobb American Bank and Trust Company *First North American National Bank First Peoples Bank of Cobb County Georgia Security Bank *First Columbia Bank Founders Guaranty Bank
The Merchants & Citizens Bank
The Security State Bank Metter Banking Company Pineland State Bank Bank of Milan Exchange Bank *First National Bank of Baldwin County
The Central & Southern Bank of Georgia
The Merchants and Farmers Bank of Milledgeville Bank of Millen Ogeechee Valley Bank First Bank of Pike *The National Bank of Walton County
Walton Bank & Trust Co.
Bank of Monticello *Clayton National Bank
American Banking Company *Moultrie National Bank
Citizens Bank & Trust Company of Mount Vernon
The Citizens Bank The United Banking Company' Bank of Newington

*Member of Federal Reserve System **Amounts are in thousands as of 12-31-91

- 18 -

CHARTER DATE
12-26-1888 10-07-1947 10-07-1987
9-17-1986 11-19-1990
2-24-1986 8-11-1987 9-26-1983 3-21-1984 3-28-1929 8-23-1972 7-25-1930 12-27-1961 12-05-1906 5-20-1903 7-03-1989 2-28-1874 3-22-1898 1-04-1893 9-01-1972 10-07-1901
-1891 7-17-1987 2-08-1964 3-08-1990 8-13-1971 1-03-1928 12-21-1900 2-19-1943 7-10-1924 7-07-1919

TOTAL **ASSETS
41,922 23,740 44,375 79,145 76,444 50,158 39,430 59,741 33,895 36,222 26,262 65,939 27,020 17,144 93,138 36,083 246,153 84,490 36,924 21,843 14,998 113' 860 21,366 28,921 30,767 71,891 170,692 25,822 40,242 31,966 15,986

STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Newnan Newnan Newton Norcross Norcross Norcross Ocilla Ocilla Omega Patterson Peachtree City Peachtree City Pearson Pelham Pembroke Perry Perry Pine Mountain Pineview Pitts Powder Springs Quitman Quitman Reidsville Reynolds Richmond Hill Rincon Ringgold Riverdale Riverdale Roberta

Coweta Coweta Baker Gwinnett Gwinnett Gwinnett Irwin Irwin Tift Pierce Fayette Fayette Atkinson Mitchell Bryan Houston Houston Harris Wilcox Wilcox Cobb Brooks Brooks Tattnall Taylor Bryan Effingham Catoosa Clayton Clayton Crawford

Bank of Coweta The Bank of Newnan Baker County Bank Central Gwinnett Bank First Gwinnett Bank *First Security National Bank The Bank of Ocilla, Georgia The First State Bank of Ocilla South Georgia Banking Company The Patterson Bank Fayette County Bank *Peachtree National Bank The Citizens Exchange Bank Pelham Banking Company The Pembroke State Bank Crossroads Bank of Georgia The Bank of Perry First Peoples Bank Pineview State Bank Community Bank of Wilcox
Independent Bank & Trust Company
Bank of Quitman *The Citizens National Bank of Quitman
The Tattnall Bank The Citizens State Bank
Bryan Bank & Trust Effingham Bank & Trust
Northwest Georgia Bank Peach State Bank Tara State Bank United Bank of Crawford

*Member of Federal Reserve System **Amounts are in thousands as of 12-31-91

- 19 -

CHARTER DATE
2-11-1972 9-23-1986 10-04-1906 6-17-1986 3-16-1987 6-25-1985 9-20-1956 5-11-1943 4-15-1970 6-19-1907 3-01-1989 9-11-1986 1-19-1943 12-04-1936 12-19-1937 9-16-1986 8-20-1889 12-31-1987 9-20-1910 6-02-1906 3-04-1988 12 1888 8-2S-1934 9-14-1900 9-08-1922 11-08-1989 10-02-1987 4-08-1983 3-27-1989 2-07-1983 1-07-1901

TOTAL **ASSETS
129,437 41,790 20,755 37,978 44,208 36,082 34,021 30,012 70,029 26,042 49,250 66,532 15,624 38,606 41,730 38,580 50,630 19,386 11,652 20,243 37,481 32,731 31,537 33,994 23,161 26,059 24,012
119' 962 30,692 91,298 25,723

STATE AND NATIONAL BANKS

CITY

COUNTY

Rochelle Rockmart Rome Rome Rome Rossville Roswell Roswell Roswell Royston Rutledge Sandersville Sandersville Sandy Springs Sardis Savannah Savannah Savannah Savannah Savannah Senoia Smyrna Snellville Snellville Social Circle Soperton Sparta Sparta Springfield St. Marys St.Simons Island

Wilcox Polk Floyd Floyd Floyd Walker Fulton Fulton Fulton Franklin Morgan Washington Washington Fulton Burke Chatham Chatham Chatham Chatham Chatham Coweta Cobb Gwinnett Gwinnett Walton Treutlen Hancock Hancock Effingham Camden Glynn

-NAM-E -OF -BA- NK
Rochelle State Bank
United Bank & Trust Company
First Rome Bank The Georgia State Bank of Rome *Trust Company Bank of Northwest Georgia, N.A. Rossville Bank Monogram Credit Card Bank of Georgia SouthTrust Bank of Atlanta The Northside Bank & Trust Company Tri-County Bank of Royston Bank of Morgan County Citizens Bank of Washington County The Geo. D. Warthen Bank *Metro Bank Bank of Burke County *Ameribank, N.A. *NationsBank of Georgia, N.A. The Carver State Bank *The Savannah Bank National Association *Trust Company of Georgia Bank of Savannah, N.A. Farmers and Merchants Bank of Senoia
*Smyrna Bank & Trust Co.
*Button Gwinnett National Bank
The Eastside Bank & Trust Company
Georgia Central Bank The Bank of Soperton Bank of Hancock County United Security Bank *First National Bank of Effingham *First National Bank
Frederica Bank & Trust

*Member of Federal Reserve System **Amounts are in thousands as of 12-31-91

- 20 -

CHARTER DATE
7-08-1947 10-27-1988 11-25-1987 4-02-1976
-1977 7-01-1963 2-22-1988 2-10-1984 5-12-1987 8-09-1941 9-24-1898 1-06-1965 3-18-1957 1-19-1984 4-27-1945 4-30-1985
-1887 4-29-1947 8-22-1990
-1889 3-02-1874 2-28-1985 2-01-1991 7-14-1989 12-31-1923 7-16-1906 10-18-1904 2-09-1967 12-07-1989 7-10-1989 2-24-1988

TOTAL **ASSETS
13,579 19,320 72,118 90,828 248,226 69,289 1, 032,714 86,140 116' 387 72,505 34,341 45,889 66,047 123,895 22,061 50,827 12,249,683 16,138 36,782 421, 156 22,804 52,145 50,593 34,842 38,149 31,604 44,474 7,701 12,241 24,006 27,244

STATE AND NATIONAL BANKS

CITY
Stapleton Statesboro Statesboro Statesboro Statesboro Stockbridge Stockbridge Summerville Summerville Swainsboro Swainsboro Swainsboro Sylvania Sylvester Sylvester Talbotton Tallapoosa Thomaston Thomaston Thomasville Thomasville Thomson Thomson Tifton Tifton Tifton Toccoa Toccoa Toccoa Trenton Trenton

COUNTY
Jefferson Bulloch Bulloch Bulloch Bulloch Henry Henry Chattooga Chattooga Emanuel Emanuel Emanuel Screven Worth Worth Talbot Haralson Upson Upson Thomas Thomas McDuffie McDuffie Tift Tift Tift Stephens Stephens Stephens Dade Dade

-NAM-E -OF -BA- NK
Bank of Stapleton Eagle Bank and Trust
Farmers & Merchants Bank First Bulloch Bank & Trust Company
Sea Is land Bank *The First National Bank of Henry County
The First State Bank
Farmers & Merchants Bank
*First National Bank of Chattooga County Spivey State Bank The Central Bank The Citizens Bank of Swainsboro Farmers and Merchants Bank Bank of Worth Sylvester Banking Company The Peoples Bank of Talbotton Commercial Bank Bank of Upson West Central Georgia Bank Commercial Bank First Merchants Bank Allied Bank of Georgia
McDuffie Bank & Trust
First Community Bank of Tifton The Citizens Bank of Tifton
Tifton Bank & Trust Company Liberty Bank & Trust
The Bank of Toccoa The Citizens Bank Bank of Dade Citizens Bank and Trust, Inc.

*Member of Federal Reserve System **Amounts are in thousands as of 12-31-91

- 21 -

CHARTER DATE
3-20-1916 1-08-1990 2-04-1948 1-19-1934 3-11-1901 12-11-1990 9-21-1964 2-05-1926 5-22-1968 8-27-1964 10-27-1920 11-10-1900 2-18-1946 7-31-1991 7-05-1898 12-09-1890 12-09-1971 6-23-1951 12-13-1973 7-03-1916 6-24-1971 1-21-1985 4-05-1988 12-21-1936 2-24-1948 11-06-1987 3-15-1984 8-10-1911 12-31-1986 7-05-1955 12-04-1987

TOTAL **ASSETS
14,104 24,080 59,744 164,331 139,220 16,013 123,396 108,961 27,106 60,014 43,181 44,103 54,417 14,327 43,111 17,190 25,619 93,937 48,986 169,512 18,600 164,708 34,341 90,310 60,019 56,501 14,526 75,341 79,783 43,128 32,836

STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Tucker Tucker Twin City Union City Union Point Uvalda Valdosta Valdosta Valdosta Vidalia Vidalia Vienna Vienna Villa Rica Wadley Warner Robins Warrenton Washington Watkinsville Watkinsville Waycross Waynesboro West Point Willacoochee Winder Winder Winterville Woodbury Woodland Woodstock Woodstock

DeKalb DeKalb Emanuel Fulton Greene Montgomery Lowndes Lowndes Lowndes Toombs Toombs Dooly Dooly Carroll Jefferson Houston Warren Wilkes Oconee Oconee Ware Burke Troup Atkinson Barrow Barrow Clarke Meriwether Talbot Cherokee Cherokee

DeKalb State Bank *Mountain National Bank
Durden Banking Company, Incorporated The Southside Bank & Trust Company The Farmers Bank Altamaha Bank and Trust Company First State Bank and Trust Company of Valdosta The Park Avenue Bank Valdosta Bank and Trust Brice Banking Company, Inc. Darby Bank and Trust Company Bank of Dooly Citizens Bank Bank of Villa Rica Bank of Wadley CB&T Bank of Middle Georgia Citizens Bank Farmers and Merchants Bank Bank of Georgia Oconee State Bank Waycross Bank & Trust *The First National Bank of Waynesboro *First National Bank of West Point The Peoples Bank Barrow Bank & Trust Company The Peoples Bank *Southern Heritage Savings Bank The Woodbury Banking Company Talbot State Bank First Community Bank of Cherokee *First National Bank of Cherokee

*Member of Federal Reserve System **Amounts are in thousands as of 12-31-91

- 22 -

CHARTER DATE
5-04-1989 8-02-1988 6-26-1935 7-14-1988 9-06-1911 5-02-1966 1-22-1906 6-28-1971 6-20-1989 9-07-1965 6-22-1934 11-10-1975 6-24-1931 9-30-1986 1-29-1902 11-16-1983 4-14-1902 8-10-1949 10-19-1984 6-05-1959 9-04-1987 1-01-1905 1-13-1906 1-04-1952 7-20-1987 10-29-1926 4-02-1985 9-29-1902 11-18-1907 2-19-1987 10-17-1988

TOTAL **ASSETS
14,064 58,566 26,237 47,705 41,982 47,937 164,917 89,086 25,537 31,586 47,004 32,348 62,245 55,269 22,329 126,701 25,566 98,685 30,072 77' 231 49,660 45,926 93,327 15' 635 43,166 85,967 19,928 14,733 19,466 35,648 24,325

STATE AND NATIONAL BANKS

CITY
Woodstock Wrens Wrightsville Zebulon

COUNTY
Cherokee Jefferson Johnson Pike

-NAM-E -OF -BA-NK
*North Georgia National Bank First State Bank Bank of Wrightsville United Bank of Pike

CHARTER DATE
7-30-1990 2-25-1964 12-17-1986 3-18-1905

TOTAL **ASSETS
28,214 33,616 40,816 56,092

*Member of Federal Reserve System **Amounts are in thousands as of 12-31-91

- 23 -

STATE-CHARTERED CREDIT UNIONS

CITY

COUNTY

NAME OF CREDIT UNION

CHARTER DATE

Albany Athens Athens Athens Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta

Dougherty Clarke Clarke Clarke Fulton DeKalb Fulton Fulton Fulton Fulton Fulton Fulton Fulton DeKalb Fulton Fulton Fulton Fulton Fulton Fulton Dekalb Fulton Fulton Fulton Fulton DeKalb Fulton Fulton DeKalb Fulton Fulton Fulton Fulton

Albany Federal Employees Credit Union

12-14-33

Dairy-Pak Athens Credit Union

3-25-57

Educators' Credit Union

5-18-59

Georgia Power Northeast Credit Union

3-07-29

American Heritage Credit Union

11-07-80

Associated Credit Union

1-23-56

Atlanta City Employees Credit Union

8-30-28

Atlanta Cooperative Credit Association

2-02-39

Atlanta Postal Credit Union

11-03-25

Atlantic Steel Credit Union

11-26-26

Bottlers Credit Union, (The)

5-04-73

CONSTAR Credit Union

1-14-75

Delta Employees Credit Union

3-08-40

Federal Employees Credit Union, (The)

3-31-30

Georgia Department of Human Resources Credit Union 7-30-51

Georgia Department of Public Safety Credit Union 6-22-70

Georgia DOT Credit Union

11-19-51

Georgia State Dept. of Education Credit Union,(The) 3-15-54

Georgia Telco Credit Union

11-30-43

GPC Credit Association

6-10-74

GTA Credit Union

10-01-75

H M B Employees Credit Union

1-11-73

Hospital Authority Credit Union

5-15-46

IBEW Local 613 Credit Union

7-21-80

Mead Employees Credit Union

4-30-28

Mutual Savings Credit Union

12-23-33

Piedmont Hospital Credit Union

3-29-74

Pinnacle Credit Union

11-17-26

Reliance Credit Union

1-23-78

Rich's Employees Credit Union

3-04-38

Southern Freight Bureau Employees Cr. Union

11-11-35

State Employees' Credit Union

11-14-61

Thrift, (The)

10-24-28

No assets = in process of liquidation/merger
**Amounts are in thousands as of 12-31-91

- 24 -

TOTAL **ASSETS
5,616 534 316
5,698 15' 132 37,014 21,619
545 550,515
11,716 6,432 1,150
700,326 228,141
8,452 3,068 18,458 6,295 528,182 10,208 4,291 4,914 12,798 1,624 5,213 34,382 3,316 35,127 5,367 18' 712
38,089 12,949

STATE-CHARTERED CREDIT UNIONS

CITY

COUNTY

NAME OF CREDIT UNION

Augusta Augusta Augusta Bainbridge Baldwin Carnesville Carrollton Columbus Columbus Columbus Columbus Columbus Coosa Cordele Cornelia Cornelia Cuthbert Dalton Decatur Decatur Douglas Dry Branch Dublin Duluth East Point East Point East Point Fitzgerald Forest Park Ft. McPherson Gainesville Garden City Glynco

Richmond Richmond Richmond Decatur Banks Franklin Carroll Muscogee Muscogee Muscogee Muscogee Musco gee Floyd Crisp Habersham Habersham Randolph Whitfield Dekalb DeKalb Coffee Twiggs Laurens Gwinnett Fulton Fulton Fulton Ben Hill Clayton Fulton Hall Chatham Glynn

Health Center Credit Union
King Mill Savings & Credit Association
Richmond Co.Health Dept. Employees Cr. Union Amoco Fabrics Company Credit Association Fieldale Credit Union Bulldog Trucking Employees Credit Union Fashion Star Employees Credit Union
Columbus Health & Hospital Credit Union
Columbus Postal Credit Union Gas Light Employees Credit Union Swift Credit Union Tom's Credit Association Rome Kraft Employees Credit Union Harris Employees Credit Union Ethicon Credit Union Statco Credit Union Day Company Inc., Employees Credit Union N.G.E.M.C. Credit Union Decatur Postal Employees Credit Union Kraft Employees Credit Union Coffee General Hospital Employees Cr. Union Dry Branch Credit Union Dublin Federal Employees Credit Union Georgia Central Credit Union Colonial Credit Union East Point Municipal Employees Credit Union Fulton Teachers Credit Union P. H. P. Credit Association
Employees Savings & Credit Assn.
Ft. McPherson Credit Union Northeast Georgia Health Services Credit Union G. P. A. Credit Union, (The) Glynn County Federal Employees Credit Union

No assets = in process of liquidation/merger
**Amounts are in thousands as of 12-31-91

- 25 -

CHARTER DATE
1-16-76 6-30-27 12-22-52 1-30-75 10-10-80 2-16-84 1-04-85 11-02-53 1-07-27 11-12-57 2-26-65 11-03-81 3-31-55 5-20-47 1-30-79 1-18-65 6-10-81 8-27-52 10-30-51 5-29-34 3-03-72 1-08-51 1-16-51 5-01-36 8-13-29 3-06-41 12-02-30 4-05-76 8-21-80 7-23-48 10-15-74 11-17-52 4-03-53

TOTAL **ASSETS
9,284 5,749
331 3,226 4,500
193 2,033 22,414
276 1,691 3' 198 8,848
702 4,341 1,368
27 1,217 6,804 6,826
319 1, 672 2,958 827,436 10,930
606 16,837
1,088 4,275 10,867 1,372 3,973 5,771

STATE-CHARTERED CREDIT UNIONS

CITY

COUNTY

NAME OF CREDIT UNION

Gordon Griffin Hapeville Hapeville Hazlehurst Helen Jonesboro LaFayette Macon Macon Macon Macon Macon Macon Macon Macon Marietta Marietta Marietta Mcintyre Milledgeville Milledgeville Montezuma Moultrie Nashville Norcross Norcross Ringgold Rome Rome Savannah Savannah Savannah

Wilkinson Spalding Fulton Fulton Jeff Davis White Clayton Walker Bibb Bibb Bibb Bibb Bibb Bibb Bibb Bibb Cobb Cobb Cobb Wilkinson Baldwin Baldwin Macon Colquitt Berrien Gwinnett Gwinnett Catoosa Floyd Floyd Chatham Chatham Chatham

White Gold Credit Union Sunbelt Credit Union Hapeville Auto Employees Credit Union Hapeville Employees' Credit Union Patchogue-Plymouth Employees Credit Union
Orbit Savings & Credit Association
Tara Credit Union Roper Corporation Employees Credit Union City Employees' Credit Union Macon Firemen's Credit Union Macon Kraft Employees Credit Union Macon Oil Processors Credit Union Macon Police Credit Union Macon Water Works Credit Union Medical Center of Central Ga. Credit Union Smith and Sons Employees Credit Union C-MAR Credit Union Chevron Southern Credit Union Kennestone Regional Credit Union Engelhard Employees' Credit Union Baldwin Co. Hospital Employees Credit Union Central State Hospital Credit Union Southern Frozen Foods Employees Credit Union Moultrie Container Employees Credit Union Nashville Mills Employees Credit Association Genuine Parts Credit Union Rock-Tenn Company Employees Credit Union Salem Carpet Credit Union Floyd County Postal Employees Credit Union Northwest Georgia Credit Union Family Lines Credit Union of Savannah Health Employees Chatham County Credit Union
Savannah Electric & Power Employee Cr. Union

No assets = in process of liquidation/merger
**Amounts are in thousands as of 12-31-91

- 26 -

CHARTER DATE
5-15-79 3-09-72 7-09-82 3-29-79 8-15-68 9-27-77 1-05-71 3-29-74 2-28-51 4-18-42 1-31-49 3-12-46 10-02-50 7-11-50 12-01-71 6-07-73 10-29-64 11-14-33 6-10-81 3-04-80 1-06-58 8-28-52 11-22-72 3-01-83 11-21-72 3-08-37 7-30-74 7-06-73 4-17-26 11-25-81 12-29-28 8-01-55 4-11-39

TOTAL **ASSETS
1,062 2,990 10,139 2,390 8,104
592 12,883
718 1,697 1,239 7,311 2,820
536 274 5,229 664 13,921 2,357 7,839 431 1,228 8,540 382 478 5,986 3,830 3,414 3,603 1,294 18,644 5,131 1,647 3,212

CITY

COUNTY

Savannah

Chatham

Savannah

Chatham

Savannah

Chatham

Savannah

Chatham

Savannah

Chatham

St Simons Island Glynn

Statesboro

Bulloch

Tallapoosa

Haralson

Thomasville

Thomas

Thomasville

Thomas

Toccoa

Stephens

Toccoa

Stephens

Valdosta

Lowndes

Valdosta

Lowndes

Warner Robins Houston

Wrens

Jefferson

STATE-CHARTERED CREDIT UNIONS

NAME OF CREDIT UNION

CHARTER DATE

Savannah Federal Credit Union Savannah J-Mers Credit Union Savannah Postal Credit Union Savannah Regional Hospital Credit Union Workmen's Circle Credit Union Sea Island Employees Credit Union Central Ogeechee River Educators (CORE) Cr. Union Dixisteel Credit Union Davis Employees Credit Association Flowers Employees Credit League North Georgia Credit Union Wright Manufacturing Employees Credit Union Southern Pine Credit Union Valdosta Educators Credit Union Warner Robins Employees Credit Union
Georgia-Tennessee Mining & Chemical Employees

6-10-31 9-18-64 6-23-52 4-17-72 2-06-50 5-27-80 6-21-74 4-16-62 10-13-70 11-17-71 3-29-82 11-18-63 7-30-54 11-28-72 10-09-69 3-31-70

TOTAL **ASSETS
5,438 712
6,171 341
8,282 10,660 5,553
1,335 12,893
7,378 3,078 21,261 2,473 4,064
73

No assets = in process of liquidation/merger
**Amounts are in thousands as of 12-31-91

- 27 -

DEPAR'IMENI' OF BANKIN:; AND FINAN::E STATE OF GEORGIA
ABSTRACT OF REPORTS OF CCNDITION OF STATE AID NATIONAL BANKS IN GEORGIA AS OF DFX:EMBER 31, 1991
WITH CX>MPARATIVE STATEMENT AS OF DEX::EMBER 31, 1990 (Arrounts in Millions)

December 31, 1991
404 Banks *

ASSEI'S

Gross loans

43,850

Reserve for loan losses

(786)

Unearned income

(185)

Net loans

42,879

lease Finance Receivables

557

Interest Bearing Depository Balances

894

Securities

14,556

Trade koount

361

Federal F\mds Sold and Securities Purchased

under Agreerrent to Resell

3,391

'ICYI'AL EARNING ASSEI'S

62,638

cash and Non-Interest Bearing Depository Balances

4,619

Bank Premises, Furniture and Fmures

1,314

other Real Estate <Mned

415

Intangible Assets

230

All otl"er Assets

1,777

T<JI'AL ASSEI'S

70,993

December 31, 1990
408 Banks *
43,533 (754) (202)
42,577 660
1,191 13,038
194
3,344 61,004
5,757 1,222
353 200 1,717 70,253

LIABILITIES Demand DeJX>sits of IPC - Dorrestic Tine and Savings De}X>sits of IPC - IXInestic De}X>sits in Foreign Offices Deposits of U.S. Government Deposits of State, Co1.mties, and Municipalities Certified and Officers' Checks All other Dep::>sits T<JI'AL DEPOSITS
Federal Funds Purchased and Securities Sold under Agreerent to Repurchase
other Liabilities for Borr~ M:mey M::>rtgage Indebtedness All other Liabilities 'IUI'AL LIABILITIES
SUbordinated Notes and Debentures
EQUITY CAPITAL Preferred Stock Camon Stock SUrplus Undivided Profits and Capital Reserves 'IUI'AL EQUITY CAPITAL
TCYl'AL LIABILITIES, SUBORDINATED NCYI'ES AND DEBENTURES, AND EX;JUITY CAPITAL

9,229 41,219
638 263 2,706 213 598 54,866
7,075 771 49
1,996 64,757
49
149 602 2,842 2,594 6,187
70,993

co
N
10,198 39,190
498 346 2,705 213
32 53,182
7,939 1,383
49 1!674 64,227
98
164 587 2,632 2,545 5,928
70,253

* Includes one savings bank; does rot include two trust ccmpanies.

DEPAR'IMENI' OF BANKING AND FINANCE STATE OF GEORGIA
CCMPARATIVE STATEMENT OF EARNIN:;S AND :EXPENSES OF STATE AND NATIONAL BANKS IN GEORGIA
FOR CALENDAR YEARS ENDDK; DECMBER 31, 1991, AND DECEMBER 31, 1990
(Anounts in Millions)

December 31, 1991 December 31, 1990

404 Banks *

408 Banks *

INTERESTIN(l)ME
Interest and Fees on loans Incare fran lease Financing Interest on Balances with
Depository Institutions rncare on Federal funds Sold and Securities
Purchased under Agreement to Iesell Interest and Dividends fran Securities Trading Account Interest
'IUI'AL WTEREST INCOME

4,677 57
77
208 1,150
12 6,181

INTEREST EXPENSE
Interest on Deposits Expense on Federal Funds Purchased and Securities
Sold under Agreement to Repurchase Interest on Other Borr~ 1-bney Interest on furtgages and leases Interest on Subordinated Notes and Debentures
'IUI'AL INTEREST EXPENSE

2,801
411
29 4
21 3,266

NET INTEREST INCXlME

2,915

'IOTAL NCNINTEREST IN<X:ME

1,201

OVERHEAD EXPENSE Salaries and Errployee Benefits Net O=cupa.ncy Exfense of Bank Premises
and Equiprent Expenses other Noninterest Expenses
'IOTAL OVERHEAD :EXPENSES

1,166
366 1,245 2,777

PROVISICN FOR LOAN L03SES

573

Sro.JRITIES Gl\INS AND I.DSSES

74

NET OPERATIN:; INCXlME BEFORE TAXES

840

APPLICABLE INCOME TAXES

247

NET OPERATDK; INCCME AFTER TAXES

593

EXTRAORDINARY INCa-ffi OR :EXPENSES, NET

2

NET INCC!E

595

* Includes one savings bank; does not include ~ trust canp:mies.

5,038 65
102
234 1,075
15 6,529
2,909
662 48 3 21
3,643
2,886
974
1,091
337 1,063 2,491
577
15
807
194
613
3
616

DEPARTMENT OF BANKING AND FINANCE STATE OF GEORGIA
ABSTRACT OF REPORTS OF CONDITION OF STATE CREDIT UNIONS IN GEORGIA AS OF DECEMBER 31, 1991
WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1990 (AMOUNTS IN THOUSANDS)

Number of Credit Unions Number of Primary Members
ASSETS Cash and Demand Deposits U.S. Govt. Obligations Corporate Credit Unions Other Investments Net Loans Fixed Assets Other Assets

Dec. 31 1991 112 531,531

% Total Assets

Dec. 31 % Total 1990 Assets 124 512,812

Amount

?.0::c

+ or - + or -

67,706 736,768 1,317,011 253,435 1' 114,290 12,747 35,669

1.9% 20.8% 37.2% 7.2% 31.5% 0.4%
1.0%

57' 118 524,914 1,008,495 215,217 1,148,473 13' 158 29,410

1.9% 17.5% 33.7% 7.2% 38.3% 0.4% 1.0%

10,588 211,854 308,516 38,218
(34,183~
( 411 6,259

18.5% 40.4% 30.6% 17.8% -3.0% -3.1% 21.3%

TOTAL ASSETS

3,537,626 100.0% 2,996,785 100.0% 540,841 18.0%

LIABILITIES Share DraftS All Other Deposits Div.jlnterest Payable Notes Payable Accounts Payable and
Other Liabilities

233,000 3,008,914
10,072 11,112 28,710

6.6% 85.1%
0.3% 0.3% 0.8%

183' 111 2,553,913
15,063 10,416 17,907

6.1% 49,889 27.2%

85.2% 455,001 17.8%

0.5%

(4,991) -33.1%

0 M

0.4%

696 6.7%

0.6% 10,803 60.3%

TOTAL LIABILITIES EQUITY CAPITAL
Member Shares Reserves Undivided Earnings
TOTAL EQUITY CAPITAL TOTAL LIABILITIES AND
EQUITY CAPITAL

3,291,808 93.1% 2,780,410 92.8% 511,398 18.4%

7' 180 0.2%

7,031 0.2%

149

2 .l~<l

87,525 2.5%

79,492 2.7% 8,033 10.1%

151,113 4.3% 129,852 4.3% 21,261 16.4%

----

--

245,818 6.9% 216,375 7.2% 29,443 13.6%

3,537,626 100.0% 2,996,785 100.0% 540,841 18.0%

DEPARTMENT OF BANKING AND FINANCE STATE OF GEORGIA
COMPARATIVE STATEMENT OF EARNINGS AND EXPENSE OF
STATE-CHARTERED CREDIT UNIONS IN GEORGIA FOR
CALENDAR YEARS ENDING DECEMBER 31, 1991 AND DECEMBER 31, 1990

OPERATING INCOME

Dec. 31 1991

Interest On Loans Income from Investments Other Income
TOTAL OPERATING INCOME

1341677 131,670 14,067
---
280,414

OPERATING EXPENSES

Employee Comp. &Benefits
Office Expenses Interest on Borrowed Money Other Expenses TOTAL OPERATING EXPENSES

271070 15,910
534 20,635
---
64,149

Income before Reserve Transfers and Securities Gains and Losses

216,265

Net Reserve Transfer Income before Securities
Gains and Losses

17,428
-----
198,837

Securities Gains/Losses, Net

24

Other Nonoperating Gains/Losses 111

% Total Income 48 .0?6 47.0%
5.0% 100.0%
9.7% 5.7% 0.1% 7.4% 22.9%
77.1% 6.2%
70.9% 0.0% 0.0%

Dec. 31 % Total 1990 Income

135,595 164,937 12,326
--
312,858

43.3% 52.7% 4.0% 100.0%

25,180 8.0% 14,488 4.6% 23,823 7.6% 15,996 5.1% 79,487 25.4%

2331371 19,667

74.6% 6.3%

2131704 (6)
709

68.3% 0 .0?6 0.2%

Amount ~0 + or - + or -
(918~ -0.7% (33,267 -20.2%
1,741 14.1% (32,444) -10.4%

1,890 7.5%% 1,422 9.8% (23,289) -97. 8?6 4,639 29.0% (15,338) -19.3%

(17 1106)

-7.3%

....-! ('f)

(2,239) -11.4%
---

(14,867) -7.0% 30 -500.0%
(598) -84.3%

NET INCOME AVAILABLE FOR DIVIDENDS
Dividends/Interest on Shares and Deposits
NET INCOME RETAINED

198,972 70.9%

181,499 64. 7?6

17,473

6. 2?6

----

214,407 68.5% (15 1435) -7.2%

197,041 ---
17,366

63.0% (15,542) -7.9%

5.6%

107 0.6%

NAME OF BANK
First State Bank & Trust Company
Albany
Security Bank and Trust Company of Albany Albany
Trust Company Bank of South Georgia, National Association Albany
Citizens Bank of Americus Americus
Trust Company Bank of Northeast Georgia, National Association Athens
Bank South, National Association Atlanta
Barnett Bank of Atlanta Atlanta
The Chattahoochee Bank Atlanta
Citizens Trust Bank Atlanta
First American Bank, National Association Atlanta

BRANCH BANKS

CHARTER COUNTY

BRANCH COUNTIES

Dougherty

Clay, Decatur, Lee, Randolph

Dougherty

Miller

Dougherty Sumter Clarke

Ben Hill, Irwin, Mitchell, Terrell, Thomas, Tift, Worth
Webster
Morgan

Fulton
Cobb Fulton Fulton Fulton

Barrow, Ben Hill, Bibb, Camden, Chatham, Charlton, Clarke, Clayton, Cobb, Coffee, DeKalb, Forsyth, Gwinnett, Houston, Jasper, Monroe, Muscogee, Rockdale, Spalding, Washington, Ware DeKalb, Fulton, Gwinnett
Cobb, DeKalb
DeKalb
Clayton, Cobb, DeKalb, Gwinnett

- 32 -

NAME OF BANK
First Union National Bank of Georgia Atlanta
NationsBank Trust Company (Georgia) National Association Atlanta
Trust Company Bank Atlanta
Wachovia Bank of Georgia, National Association Atlanta
Trust Company Bank of Augusta, National Association Augusta
Barnett Bank of Southeast Georgia, National Association Brunswick
The Coastal Bank of Georgia Brunswick
Trust Company Bank of Southeast Georgia, National Association Brunswick
Cairo Banking Company Cairo

BRANCH BANKS

CHARTER COUNTY

BRANCH COUNTIES

Fulton Fulton

Bibb, Burke, Chatham, Chattahoochee, Cobb, Columbia, Coweta, DeKalb, Fayette, Floyd, Gwinnett, Haralson, Harris, Henry, Lowndes, Muscogee, Pike, Richmond, Screven, Spalding, Toombs, Ware, Whitfield, Wilkes
Bibb, Chatham, Clarke, DeKalb, Doughtery, Floyd, Lowndes, Richmond, Troup

Fulton Fulton
Richmond

Carroll, Cayman Islands, Cherokee, Clayton, Cobb, DeKalb, Douglas, Gwinnett, Henry, Rockdale
Bartow, Bibb, Bulloch, Chatham, Cherokee, Clayton, Cobb, Colquit, DeKalb, Fayette, Forsyth, Gordon, Gwinnett, Hall, Houston, Lumpkin, Macon, Richmond, Sumter, Walton, Wayne, Whitfield
McDuffie

Glynn

Camden, Wayne

Glynn Glynn

Camden Appling, Ware, Wayne

Grady

Thomas

- 33 -

NAME OF BANK
Etowah Bank Canton
Citizens Bank and Trust of West Georgia Carrollton
Cohutta Banking Company Chatsworth
Barnett Bank of Southwest Georgia Columbus
Columbus Bank and Trust Company Columbus
Trust Company Bank of Columbus, N.A. Columbus
The First National Bank of Commerce Commerce
Southeastern Bank Darien
Fidelity National Bank Decatur
First South Bank, National Association Fort Valley
HomeTrust Bank of Georgia Gainesville
Citizens Community Bank Hahira

BRANCH BANKS

CHARTER
COUNTY

BRANCH COUNTIES

Cherokee

Cobb, Paulding

Carroll

Haralson

Murray

Walker

Muscogee

Grady, Lowndes, Meriwether, Thomas

Musco g e e

Chattahoochee, Macon, Marion, Meriwether

Muscogee

Troup

Jackson Mcintosh DeKalb Peach
Hall Lowndes
- 34 -

Habersham, Oglethorpe Brantley, Camden, Charlton, Coffee, Jeff Davis Fulton Ben Hill, Coweta, Johnson, Jones, Macon, Newton, Turner Fannin, Forsyth, Gwinnett, Habersham, White Brooks

NAME OF BANK
The Coastal Bank Hinesville
Bank of Banks County Homer
The First National Bank & Trust Company
Louisville
Trust Company Bank of Middle Georgia, National Association Macon
The Central & Southern Bank of Georgia Milledgeville
Bank of Coweta Newnan
First Security National Bank Norcross
Trust Company Bank of Northwest Georgia National Association Rome
SouthTrust Bank of Atlanta Roswell
NationsBank of Georgia, N.A. Savannah
Bank of Thomson Thomson

BRANCH BANKS

CHARTER COUNTY
Liberty

BRANCH COUNTIES
Chatham, Long

Banks

Jackson

Jefferson

Burke

Bibb

Houston

Baldwin Coweta Gwinnett Floyd

Coffee, Telfair
Meriwether
Ben Hill, Coweta, Johnson, Jones, Macon, Newton, Peach, Turner Polk

Fulton Chatham
McDuffie - 35 -

DeKalb
Bartow, Ben Hill, Bibb, Butts, Carroll, Clarke, Clayton, Cobb, Colquitt, Coweta, Decatur, DeKalb, Dougherty, Douglas, Effingham, Fannin, Fayette, Floyd, Fulton, Gwinnett, Hart, Henry, Houston, Laurens, Lowndes, Polk, Richmond, Rockdale, Thomas, Tift, Troup, Upson, Whitfield
Columbia, Richmond

FINANCIAL INSTITUTION Ashburn Bank Ashburn Commercial Bank of Georgia Atlanta Commercial Bank of Georgia Atlanta Commercial Bank of Georgia Atlanta Trust Company Bank Atlanta Trust Company Bank Atlanta Trust Company Bank Atlanta Trust Company Bank Atlanta Trust Company Bank Atlanta Trust Company Bank Atlanta

APPLICATIONS TO ESTABLISH A BRANCH BANK, BANK OFFICE, OR FACILITY, AND PERMITS TO BEGIN BUSINESS

BANK OFFICE, BRANCH, OR FACILITY

Col lege Avenue Office

(Result of Main Office Relocation)

205 Col lege Avenue

Ashburn

31714

Alpharetta Office

175 Haynes Bridge Road

Alpharetta

30201

Buckhead Office

3060 Peachtree Road, NW

Atlanta

30305

Clairmont Road Office

3361 Clairmond Road

Atlanta

30329

Haynes Bridge Office

9119 Haynes Bridge Road

Alpharetta

30201

Medlock Bridge Office

9600 Medlock Bridge Road

Alpharetta

30201

Windward Parkway Office

5475 Windward Parkway W.

Alpharetta

30201

Canterbury Court Faci I ity

3750 Peachtree Road, NE

Atlanta

30319

St. Joseph's Hospital Office

5671 Peachtree Dunwoody Road

Atlanta

30342

Brookwood Square Office

1661 East West Connector

Austel I

30001

- 36 -

APPROVAL DATE
5-21-90

BEGIN BUSINESS
DATE 3-25-91

9-12-90

7-22-91

4-25-91

7-03-91

Pending

7-06-90

7-15-91

Pending

7-06-90

4-23-91

5-14-91

8-19-91

12-16-91

2-07-91

10-07-91

APPLICATIONS TO ESTABLISH A BRANCH BANK, BANK OFFICE, OR FACILITY, AND PERMITS TO BEGIN BUSINESS

FINANCIAL INSTITUTION Trust Company Bank Atlanta Georgia Bank & Trust Company of Augusta Augusta Georgia Bank & Trust Company of Augusta Augusta Peoples Bank Blackshear Peoples Bank of Fannin County Blue Ridge Georgia Bank & Trust Calhoun Etowah Bank Canton Etowah Bank Canton Etowah Bank Canton Etowah Bank Canton

BANK OFFICE, BRANCH, OR FACILITY

Steve Reynolds Blvd. Office

700 Hampton Green

Duluth

30136

Medical Center Office

1530 Walton Way

Augusta

30904

Southside Office

3111 Peach Orchard Road

Augusta

30906

Waycross Branch

600 Plant Avenue

Waycross

31501

McCaysvi I le Office

Harpertown and West Tennessee Ave.

McCaysvi I le

30555

North 41 Office

940 N. Wal I Street

Calhoun

30701

Acworth Branch

4590 Morningside Drive

Acworth

30107

Da I Ias Branch

129 E. Memorial Drive

Dallas

30132

Hardee Street Facility

519 Hardee Street

Dallas

30132

Hiram Office

Highway 278 at Highway 92

Hiram

30141

- 37 -

APPROVAL DATE
Pending

BEGIN BUSINESS
DATE

Pending

7-20-90

12-16-91

7-25-91

7-26-91

1-28-91

12-23-91

6-07-90

9-26-91

9-28-91

9-26-91

9-28-91

9-26-91

9-28-91

9-26-91

9-28-91

APPLICATIONS TO ESTABLISH A BRANCH BANK, BANK OFFICE, OR FACILITY, AND PERMITS TO BEGIN BUSINESS

FINANCIAL INSTITUTION The Claxton Bank Claxton
Columbus Bank and Trust Company Columbus
First Alabama Bank of Columbus Columbus
First Alabama Bank of Columbus Columbus
First Columbus Community Bank & Trust Company Columbus
Community Bank and Trust - Jackson Commerce
Cordele Banking Company Cordele
Lanier Bank & Trust Company Cumming
Southeastern Bank Darien
Southeastern Bank Darien

BANK OFFICE, BRANCH, OR FACILITY

Newton Street Office

3 South Newton Street

Claxton

30417

Green Island Office

6739 River Road

Columbus

31904

Seal lwood Connector Office

5385 Seal lwood Connector

Columbus

31904

Macon Road Office

2944 Macon Road

Columbus

31906

Downtown Office

1237 First Avenue

Columbus

31901

Bel I 's Supermarket Office

Highway 129 North

Jefferson

30549

6th Street Office

509 6th Street South

Cordele

31015

Lakeland Plaza Office

521 Lakeland Plaza

Cumming

30130

Coffee Office

620 S. Peterson Street

Douglas

31533

Charlton Office

701 S Second Street

Folkston

31537

- 38 -

APPROVAL DATE
7-24-91

BEGIN BUSINESS
DATE 7-29-91

7-23-91

7-24-91

7-29-91

7-24-91

7-29-91

3-19-91

5-13-91

3-21-91

7-31-91

3-22-91

4-01-91

2-19-91

5-13-91

3-28-91

4-29-91

3-28-91

4-29-91

FINANCIAL INSTITUTION southeastern Bank Darien
Coffee County Bank Douglas
First Bank of Georgia East Point
First Bank of Georgia East Point
The Peoples Bank Eatonton
Citizens Bank & Trust Evans
Bank of Fitzgerald Fitzgerald
Georgia First Bank Gainesvi lie
Community Trust Bank Hiram
Community Trust Bank Hiram

APPLICATIONS TO ESTABLISH A BRANCH BANK, BANK OFFICE, OR FACILITY, AND PERMITS TO BEGIN BUSINESS

BANK OFFICE, BRANCH, OR FACILITY

Camden Office

2512 Osborne Road

St. Marys

31558

Westside Office

101 North West Bowens Mi II Road

Douglas

31533

Fairburn Office

27 Smith Street

Fairburn

30218

Hapevi I le Office

600 South Central Avenue

Hapevi I le

30354

Oconee Crossings Office

995 Greensboro Road

Eatonton

31024

Brandon Wi Ide Faci I ity

Brandon Wi Ide Life Care Community

4275 OWens Road

Evans

30809

Grant Street Office

516 S. Grant Street

Fitzgerald

31750

Browns Bridge Road Office

2895 Browns Bridge Road

Gainesvi I le

30504

Dallas Office

100 Hardee Street

Dallas

30132

Paulding Commons/Kroger Office

2205 Atlanta Highway

Hiram

30141

- 39 -

APPROVAL DATE
3-28-91

BEGIN BUSINESS
DATE 4-29-91

7-31-90

3-06-91

3-19-91

6-10-91

3-19-91

10-07-91

2-25-91

5-23-91

10-18-90

3-01-91

10-31-91

4-09-91

4-22-91

11-26-90

6-24-91

9-27-91

12-12-91

APPLICATIONS TO ESTABLISH A BRANCH BANK, BANK OFFICE, OR FACILITY, AND PERMITS TO BEGIN BUSINESS

FINANCIAL INSTITUTION Bank of Jefferson County Loui svi II e Bank South, Macon Macon First Macon Bank & Trust Company Macon Georgia Security Bank Marietta The Central & Southern Bank of Georgia Mi I Iedgev i I Ie The Central & Southern Bank of Georgia Mi lledgevi lie Bank of Molena Molena American Banking Company Moultrie Fayette County Bank Peachtree City First Peoples Bank Pine Mountain

BANK OFFICE, BRANCH, OR FACILITY

Wrens Office

404 Broad Street

Wrens

30433

Wesleyan Station Kroger Office

4650 Forsyth Road

Macon

31210

South Macon Office

3966 Pia Nona Avenue

Macon

31206

Life Col lege Facility

1269 Barclay Circle

Marietta

30060

Douglas Branch

101 North Peterson Avenue

Douglas

31533

McRae Branch

307 South Second Avenue

McRae

31055

Zebulon Office

201 North U.S. Highway 19

Zebulon

30295

Quitman Highway Office

1707 First Avenue, SE

Moultrie

31768

Fayettevi 1le Office

150 West Lanier Avenue

Fayettevi I le

30214

Waverly Hal I Facility

280 O'Neal Drive

WaverlyHall

31831

- 40 -

APPROVAL DATE
8-31-90

BEGIN BUSINESS
DATE
3-18-91

2-05-91

4-15-91

10-22-90

6-06-91

2-04-91

4-15-91

7-25-91

7-29-91

7-25-91

7-29-91

12-27-90

2-19-91

Pending

5-31-91

6-28-91

Pending

FINANCIAL INSTITUTION Effingham Bank & Trust Rincon
Tara State Bank Riverdale
The Georgia State Bank of Rome Rome
SouthTrust Bank of Atlanta Roswe I I
Farmers & Merchants Bank Statesboro
Bank of Thomson Thomson
Bank of Thomson Thomson
Bank of Thomson Thomson
Bank of Thomson Thomson
McDuffie Bank & Trust Thomson

APPLICATIONS TO ESTABLISH A BRANCH BANK, BANK OFFICE, OR FACILITY, AND PERMITS TO BEGIN BUSINESS

BANK OFFICE, BRANCH, OR FACILITY

Faulkvi I le Office

U.S. Highway 80 at GA Hwy 17

Bloomingdale

31302

Lake City Office

5690 Jonesboro Road

Lake City

30260

Cave Spring Office

15 Cedartown Street

Cave Spring

30124

Buford Highway Office

3020 Buford Highway, NE

Atlanta

30329

Brooklet Office

29 North Parker Avenue

Brooklet

30415

Augusta Branch

2839 Central Avenue

Augusta

30909

Martinez Branch

3816 Washington Road

Augusta

30907

Peach Orchard Road Office

2507 Peach Orchard Road

Augusta

30906

Hephzibah Office

2509 Highway 88

Hephzibah

30815

washington Road Office

1043 Washington Road

Thomson

30824

- 41 -

APPROVAL DATE
6-25-90

BEGIN BUSINESS
DATE 1-25-91

9-27-91

Rescinded

1-16-91

4-01-91

6-14-89

1-07-91

7-25-91

7-29-91

7-25-91

7-29-91

Pending

11-25-91

12-02-91

3-29-90

5-01-91

APPLICATIONS TO ESTABLISH A BRANCH BANK, BANK OFFICE, OR FACILITY, AND PERMITS TO BEGIN BUSINESS

FINANCIAL INSTITUTION Bank of Dade Trenton Durden Banking Company, Incorporated Twin City Oconee State Bank Watkinsvi lie The Peoples Bank Wi I Iacoochee Southern Heritage Savings Bank Wi ntervi I Ie

BANK OFFICE, BRANCH, OR FACILITY

West Side Facility

673 Highway 136 west

Trenton

30752

Swainsboro Office

318 South Main Street

Swainsboro

30401

Epps Bridge Road Office Epps Bridge at Daniels Bridge Roads
00000

Pue.sa.rsoHnigOhwfafyice441

Pearson

31642

Clayton Street Office

247 W. Clayton Street

Athens

30601

APPROVAL DATE
10-15-90

BEGIN BUSINESS
DATE 11-15-91

7-05-91

11-12-91

Withdrawn

1-31-89

4-08-91

4-09-91

5-16-91

- 42 -

APPLICATIONS TO CHANGE LOCATION OF MAIN OFFICE, BRANCH, BANK OFFICE, OR BANK FACILITY

FINANCIAL INSTITUTION Dorsey State Bank Abbevi lie Security Bank and Trust Company of Albany Albany Ashburn Bank Ashburn State Employees Credit Union Atlanta The Chattahoochee Bank Atlanta The Merchant Bank of Atlanta Atlanta The Merchant Bank of Atlanta Atlanta The Merchant Bank of Atlanta Atlanta

CHANGE LOCATION OF

Main Office

FROM 127 South Depot Street

Abbevi 1Ie

31001

TO 401 South Broad Street

Abbevi I Ie

31001

Main Office FROM 700 Pine Avenue
Albany TO 401 Pine Avenue
Albany

31702 31702

Main Office

FROM 205 Co I Iege Avenue

Ashburn

31714

TO 500 East Washington Avenue

Ashburn

31714

Main Office

FROM 265 Capitol Place

TO

Atlanta 130 Memorial

Driv3e0, 3s3w4

Atlanta

30334

Main Office

FROM 3423 Piedmont Road

Atlanta

30305

TO 3520 Piedmont Road, Suite 100

Atlanta

30305

Atlanta Office

FROM 40 Marietta Street

Atlanta

30303

TO 260 Peachtree Street

Atlanta

30303

East Point Office

FROM 1612 Cleveland Avenue

East Point

30344

TO 2840 East Point Street

East Point

30344

Forest Park Office to Lake City Office

FROM 4621 Jonesboro Road

Forest Park

30050

TO 5402 B Jonesboro Road

Lake City

30260

- 43 -

APPROVAL DATE
10-23-91

EFFECTIVE DATE

3-08-91

5-21-90

3-25-91

4-19-90

2-21-91

3-04-91

9-,-90

2-19-91

9-19-91

10-18-91

9-19-91

10-09-91

APPLICATIONS TO CHANGE LOCATION OF MAIN OFFICE, BRANCH, BANK OFFICE, OR BANK FACILITY

FINANCIAL INSTITUTION Farmers & Merchants Bank Brooklet
Etowah Bank Canton
Citizens Bank and Trust of West Georgia Carro I Iton
Columbus Postal Credit Union Columbus
Universal Bank Columbus
Bank South, Douglas Douglas
The Fort McPherson Credit Union Ft. McPherson
Bank of Hiawassee Hiawassee

CHANGE LOCATION OF

Main Office

FROM 29 North Parker Avenue

Brooklet

30415

TO 201 North Main Street

Statesboro

30458

East Cherokee Office

FROM 3801-B Highway 140

Woodstock

30188

TO 3859 Highway 140

Woodstock

30188

Tallapoosa Drive in Faci I ity to Atlanta St. Office

FROM 8 S. Alewine Street

Ta I 1apoosa

30176

TO 75 East Atlanta Street

Ta I Iapoosa

30176

Columbus Postal Credit Union

FROM 5629 Princeton Avenue

Columbus

31993

TO Bradley Park Drive

Columbus

31904

Main Office

FROM 901 Front Avenue, Suite 207

Columbus

31901

TO 1136-38 Broadway

Columbus

31902

Main Office

FROM 100 s. Pearl Street

Douglas

31533

TO 620 N. Peterson Avenue

Douglas

31533

Main Office

FROM Bu i Iding 16, Ninninger Way

Ft. McPerson

30330

TO Bu i Iding 248

Ft. McPerson

30330

Young Harris Office FROM Col lege Street
Young Harris TO Highway 76
Young Harris

30582 30582

APPROVAL DATE
6-14-89

EFFECTIVE DATE 1-07-91

3-28-91

4-25-91

9-20-91

7-21-89

4-22-91

7-22-91

8-07-91

10-11-91

10-08-91

1-09-91

- 44 -

FINANCIAL INSTITUTION Tara Credit Union Jonesboro
The Central & Southern Bank of Georgia Mi I Iedgev i I Ie
Bank of Newington Newington

APPLICATIONS TO CHANGE LOCATION OF MAIN OFFICE, BRANCH, BANK OFFICE, OR BANK FACILITY

CHANGE LOCATION OF

Main Office

FROM 1099 Battle Creek Road

Jonesboro

30236

TO Old Clayton County Fire Station

Jonesboro

30236

Douglas Branch

FROM 101 N. Peterson Avenue

Douglas

31533

TO 434 S. Peterson Avenue

Douglas

31533

Main Office

FROM Main and Broad Streets

Newington

30446

TO Main and Church Streets

Newington

30446

APPROVAL DATE
3-27-90

EFFECTIVE DATE
8-23-91

Pending

1-30-90

1-18-91

- 45 -

BANK HOLDING COMPANY

ACQUISITIONS ONLY:

First Alabama Bancshares, Inc.

Montgomery

AL

Four County Bancshares, Inc.

AI lentown

GA

Synovus Financial Corp.

Columbus

GA

Synovus Financial Corp.

Columbus

GA

Synovus Financial Corp.

Columbus

GA

Synovus Financial Corp.

Columbus

GA

Hardwick Holding Company

Dalton

GA

Colony Bancorp, Inc.

Fitzgerald

GA

First National Bancorp

Gainesvi I le

GA

NCNB Corporation

Charlotte

NC

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

First Alabama Bank of Columbus

Columbus

GA

Peoples State Bank, Jeffersonvi I le Jeffersonvi I le GA

Athens First Bank & Trust Company

Athens

GA

Citizens Federal Savings and Loan Assoc. of Rome

Rome

GA

CB Bancshares, Inc. and Subsidiaries

Fort Val ley

GA

Sea Island Bank

Statesboro

GA

Peoples Bank of Bartow County

Cartersvi I le

GA

Worth Federal Savings and Loan Association

Sylvester

GA

First National Bank of Paulding County

Dallas

GA

C&S/Sovran Corporation and Subsidiaries

Atlanta

GA

APPROVAL DATE
7-24-91 5-30-91 8-23-91 3-19-91 8-12-91 2-12-91 Pending 4-29-91 Pending 11-26-91

- 46 -

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

BANK HOLDING COMPANY

TO ACQUIRE

NEW FORMATIONS:

Georgia National Bancorp, Inc.

Athens

GA

Georgia National Bank

Athens

GA

NTC Financial Group, Inc.

Atlanta

GA

The National Trust Company

Atlanta

GA

Georgia Bank Financial Corporation

Augusta

GA

Georgia Bank & Trust Company of Augusta

Augusta

GA

Investors Financial Corporation

Bainbridge

GA

Bainbridge National Bank

Bainbridge

GA

Cami I Ia Bancshares, Inc.

Cami I Ia

GA

Bank of Camilla

Cami I Ia

GA

Peoples Preferred Bancshares, Inc,

Colquitt

GA

The Peoples Bank

Colquitt

GA

FNC Bancorp, Inc.

Douglas

GA

First National Bank of Coffee County

Douglas

GA

SB Holdings, Inc.

Douglasvi lie

GA

Southern National Bank

Douglasvi I le

GA

Citizens Financial Acquisition Corporation

Greensboro

GA

Citizens Union Bank

Greensboro

GA

Community Trust Financial Services Corporation

Hiram

GA

Community Trust Bank

Hiram

GA

Mcintosh Bancshares, Inc.

Jackson

GA

Mcintosh State Bank

Jackson

GA

Tifton Banks, Inc.

Tifton

GA

Tifton Bank & Trust Company

Tifton

GA

TAG Bancshares, Inc.

Trenton

GA

Citizens Bank & Trust, Inc.

Trenton

GA

Mountain Holding Corporation

Tucker

GA

Mountain National Bank

Tucker

GA

- 47 -

APPROVAL DATE
7-25-91 Rescinded
11-27-91 2-14-91 Pending 4-09-91 3-19-91 Rescinded 4-24-91 2-06-91 4-24-91 3-14-91 6-28-91 4-24-91

APPLICATIONS FOR FINANCIAL HOLDING COMPANY SUBSIDIARIES TO MERGE ACROSS COUNTY LINES

NAME OF HOLDING COMPANY
FIRST STATE CORPORATION Randolph County Savings and Loan Association of Cuthbert
First State Bank & Trust Company
BANK SOUTH CORPORATION Bank South, Douglas Bank South, Fitzgerald Bank South, Macon Bank South, Jasper County, N.A. Bank South, Houston County, N.A. Bank South, Washington County Bank South, Waycross Bank South, National Association
SUNTRUST BANKS, INC. Trust Company Bank of Cobb County, N.A. Trust Company Bank of Carroll County Trust Company Bank of Rockdale County Trust Company Bank of Clayton County Trust Company Bank of Gwinnett County Trust Company Bank of Henry County, N.A. Trust Company Bank
ALLIED BANKSHARES, INC. Bank of Columbia County Bank of Thomson

CITY
Albany
Cuthbert Albany
Atlanta Douglas Fitzgerald Macon Monticello Perry Tennille Waycross Atlanta
Atlanta Atlanta Bowdon Conyers Jonesboro Lawrenceville McDonough Atlanta
Thomson Harlem Thomson

COUNTY
Dougherty
Randolph Dougherty
Fulton Coffee Ben Hill Bibb Jasper Houston Washington Ware Fulton
Fulton Cobb Carroll Rockdale Clayton Gwinnett Henry Fulton
McDuffie Columbia McDuffie

APPROVED
8-23-91
12-23-91 12-23-91 12-23-91 12-23-91 12-23-91 12-23-91 12-23-91
2-07-91 2-07-91 2-07-91 2-07-91 2-07-91 2-07-91
9-24-91

- 48 -

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

ADAIRSVILLE BANCSHARES, INC. *Bank of Adairsville The Peoples Bank

MONTGOMERY COUNTY BANKSHARES, INC. *Montgomery County Bank

FIRST NATIONAL FINANCIAL CORPORATION *First National Bank of South Georgia

FIRST STATE CORPORATION
*First State Bank & Trust Company
First State Bank and Trust Company in Cordele

FOUR COUNTY BANCSHARES, INC. *The Four County Bank Peoples State Bank

FIRST BANK SHARES OF THE SOUTH EAST, INC. *The First National Bank of Alma

SOUTH BANKING COMPANY
*Alma Exchange Bank & Trust
Peoples State Bank & Trust
Citizens State Bank

FIRST COLONY BANCSHARES, INC. *First Colony Bank

B.H.C., INC. *Bostwick Banking Company

COMMUNITY NATIONAL BANCORPORATION *Community National Bank

- 49 -

ADAIRSVILLE Adairsville Crawfordville
AILEY Ailey
ALBANY Albany
ALBANY Albany Cordele
ALLENTOWN Allentown Jeffersonville
ALMA
Alma
ALMA
Alma Baxley Kingsland
ALPHARETTA Alpharetta
ARLINGTON Arlington
ASHBURN Ashburn

APPROVED 11-02-87
1-27-87 2-19-90 2-04-81 2-14-89 6-11-85 11-20-80
6-06-88 11-01-88 2-19-90

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

FIRST AMERICAN BANCORP *First American Bank and Trust Company
GEORGIA NATIONAL BANCORP, INC. *Georgia National Bank
BANK SOUTH CORPORATION *Bank South, National Association BANK SOUTH PENSACOLA, INC., ATLANTA
BMR FINANCIAL GROUP, INC. Citizens Bank of Americus
*The Citizens Bank of Swainsboro Brice Banking Company, Inc. BMR FLORIDA CORPORATION
CITIZENS BANCSHARES CORP. *Citizens Trust Bank
COMMERCIAL BANCORP OF GEORGIA, INC. *Commercial Bank of Georgia
COMMUNITY FINANCIAL SERVICES, INC. *Georgia Bankers Bank
EMBRY BANKSHARES, INC. *Embry National Bank
FIRST FINANCIAL MANAGEMENT CORPORATION *Georgia Federal Bank, FSB

ATHENS Athens
ATHENS Athens
ATLANTA Atlanta ATLANTA
ATLANTA Americus Swainsboro Vidalia CLEARWATER, FL
ATLANTA Atlanta
ATLANTA Atlanta
ATLANTA Atlanta
ATLANTA Atlanta
ATLANTA Atlanta

- 50 -

APPROVED 4-02-86 7-25-91 7-01-76 8-29-88 11-07-86
7-27-89 7-01-76 5-25-88 11-18-85 11-12-87 5-31-89

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

MERCHANT BANK CORPORATION *The Merchant Bank of Atlanta

NORD FINANCIAL CORPORATION NORD-HOME FEDERAL HOLDING COMPANY, N.V. NORD-THRIFT HOLDING COMPANY * HomeBanc Federal Savings Bank

SUMMIT BANK CORPORATION *The Summit National Bank

SUNTRUST BANKS, INC. TRUST COMPANY OF GEORGIA Trust Company Bank of South Georgia, N.A. Trust Company Bank of Northeast Georgia, N.A. *Trust Company Bank Trust Company Bank of Augusta, N.A. Trust Company Bank of Southeast Georgia, N.A. Trust Company Bank of Columbus, N.A. Trust Company Bank of Coffee County Trust Company Bank of Middle Georgia, N.A. Trust Company Bank of Northwest Georgia, N.A. Trust Company of Georgia Bank of Savannah, N.A. THIRD NATIONAL CORPORATION SUN BANKS, INC.

WACHOVIA CORPORATION WACHOVIA CORPORATION OF GEORGIA *Wachovia Bank of Georgia, National Association WACHOVIA CORPORATION OF NORTH CAROLINA

BANKERS FIRST CORPORATION *Bankers First Savings Bank, FSB Bankers First Savings Bank, FSB

- 51 -

ATLANTA Atlanta
ATLANTA ATLANTA ATLANTA Atlanta
ATLANTA Atlanta
ATLANTA ATLANTA Albany Athens Atlanta Augusta Brunswick Columbus Douglas Macon Rome Savannah NASHVILLE, TN ORLANDO, FL
ATLANTA ATLANTA Atlanta WINSTON-SALEM,NC
AUGUSTA Augusta Rossville

APPROVED 9-25-89
12-22-86 12-22-86 12-22-86
9-11-87 1-11-85 7-01-76
3-24-87 10-28-85
7-01-76
4-17-84

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

GEORGIA BANK FINANCIAL CORPORATION *Georgia Bank & Trust Company of Augusta
INVESTORS FINANCIAL CORPORATION *Bainbridge National Bank
PORT CITY HOLDING COMPANY, INC. *The First Port City Bank
FIRST CITIZENS BANCORP OF CHEROKEE COUNTY, INC. *Citizens Bank
UNITED BANK CORPORATION *United Bank United Bank of Griffin-FSB United Bank of Crawford United Bank of Pike
SOUTHTRUST CORPORATION *SouthTrust Bank of Columbus,N.A. SOUTHTRUST OF GEORGIA, INC. *SouthTrust Bank of Atlanta
BLACKSHEAR BANCSHARES, INC. *The Blackshear Bank
PEOPLES BANKING CORPORATION *Peoples Bank
UNITED COMMUNITY BANKS, INC. *Union County Bank
FIRST STATE BANCSHARES OF BLAKELY, INC. *First State Bank of Blakely
- 52 -

AUGUSTA Augusta
BAINBRIDGE Bainbridge
BAINBRIDGE Bainbridge
BALL GROUND Ball Ground
BARNESVILLE Barnesville Griffin Roberta Zebulon
BIRMINGHAM, AL Columbus ATLANTA Roswell
BLACKSHEAR Blackshear
BLACKSHEAR Blackshear
BLAIRSVILLE Blairsville
BLAKELY Blakely

APPROVED 11-27-91
2-14-91 8-11-81 3-18-83 11-25-81
5-31-89 1-10-84 12-18-90 2-28-90 2-04-88 6-13-86

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

FANNIN BANCSHARES, INC. *Peoples Bank of Fannin County
FIRST GEORGIA HOLDING, INC. *First Georgia Savings Bank, FSB
FIRST HARALSON CORPORATION *The First National Bank of Haralson County
SOUTHLAND BANK CORP. *The Citizens State Bank Coffee County Bank
CAIRO BANCHSHARES, INC. *Cairo Banking Company
GRADY HOLDING COMPANY *First National Bank of Grady County
P & C BANK SHARES, INC. *Planters & Citizens Bank
B C BANKSHARES, INC. *Bank of Canton
SECURITY BANCORP, INC. *Security State Bank
UNITED SECURITY BANCSHARES, INC. *United Security Bank
FIRST BANKS, INC. First Bank and Trust
*The Bank of Toccoa

- 53 -

BLUE RIDGE Blue Ridge
BRUNSWICK Brunswick
BUCHANAN Buchanan
BUTLER Butler Douglas
CAIRO Cairo
CAIRO Cairo
CAMILLA Camilla
CANTON Canton
CANTON Canton
CANTON Sparta
CARNESVILLE Carnesville Toccoa

APPROVED
7-10-89 4-28-88 3-06-84 2-13-84
4-16-82 6-30-78 12-30-80 9-05-84 5-17-89 2-21-84 4-13-81

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

WGNB CORP. *West Georgia National Bank of Carrollton
BARTOW BANCSHARES, INC. *Bartow County Bank
FIRST COMMUNITY BANCORP, INC. *First Community Bank & Trust
PEOPLES BARTOW CORPORATION *Peoples Bank of Bartow County
FIRST POLK BANKSHARES, INC. *The First National Bank of Polk County
FIRST UNION CORPORATION FIRST UNION CORPORATION OF GEORGIA *First Union National Bank of Georgia
NATIONSBANK CORPORATION *NationsBank of Georgia, N.A. NATIONSBANC TRUST COMPANY, INC. *NationsBank Trust Company (Georgia) N.A. SOUTHERN NATIONAL BANKSHARES, INC. *NCNB National Bank
FIRST CHATSWORTH BANCSHARES, INC. *The First National Bank of Chatsworth
FIRST CLAYTON BANCSHARES, INC. *First Clayton Bank & Trust Company
LIBERTY BANCORP OF GEORGIA, INC. *Rabun County Bank The Gordon Bank

- 54 -

CARROLLTON Carrollton
CARTERSVILLE Cartersville
CARTERSVILLE Cartersville
CARTERSVILLE Cartersville
CEDARTOWN Cedartown
CHARLOTTE, NC ATLANTA Atlanta
CHARLOTTE, NC Savannah ATLANTA Atlanta ATLANTA Atlanta
CHATSWORTH Chatsworth
CLAYTON Clayton
CLAYTON Clayton Gordon

APPROVED 8-12-85 4-28-83 10-18-89 2-13-84 5-20-86 3-17-86 7-01-76
12-12-85 7-11-86 2-21-84 3-03-83
10-06-89 5-12-83

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

WHITE COUNTY BANCSHARES, INC. *White County Bank
PEOPLES PREFERRED BANCSHARES, INC. *The Peoples Bank
TB&C BANCSHARES, INC. SYNOVUS FINANCIAL CORP. Security Bank and Trust Company of Albany Sumter Bank and Trust Company Athens First Bank & Trust Company The Coastal Bank of Georgia Citizens Bank and Trust of West Georgia The Citizens Bank of Cochran *Columbus Bank and Trust Company Universal Bank The Citizens Bank Bank of Hazlehurst Commercial Bank & Trust Company of Troup County The National Bank of Walton County Bank of Coweta Citizens Federal Savings Bank of Rome Sea Is land Bank Commercial Bank First Community Bank of Tifton First State Bank and Trust Company of Valdosta CB&T Bank of Middle Georgia COHUTTA BANCSHARES, INC. * Cohutta Banking Company FORT RUCKER BANCSHARES, INC.
FIRST COMMERCE BANCORP, INC. *The First National Bank of Commerce
- 55 -

CLEVELAND Cleveland
COLQUITT Colquitt
COLUMBUS COLUMBUS Albany Americus Athens Brunswick Carrollton Cochran Columbus Columbus Fort Valley Hazlehurst LaGrange Monroe Newnan Rome Statesboro Thomasville Tifton Valdosta Warner Robins CHATSWORTH Chatsworth FORT RUCKER, AL
COMMERCE Commerce

APPROVED 9-19-84 4-09-91 8-25-86 7-01-76
11-30-82 10-04-88 10-27-81

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES (* = Lead Bank)
CITY

MID STATE BANKS,INC. *Cordele Banking Company Planters Bank Pineview State Bank
COMMUNITY BANKSHARES, INC.
Community Bank & Trust - Jackson *Community Bank & Trust - Habersham
HABERSHAM BANCORP *Habersham Bank
FNB NEWTON BANKSHARES, INC. *First National Bank of Newton County
MAIN STREET BANKS INCORPORATED Main Street Savings Bank, F.S.B.
*The Bank of Covington Southern Heritage Savings Bank
TCB BANCSHARES, INC. *The Commercial Bank
CREDIT AND COMMERCE AMERICAN HOLDINGS, N.V. CREDIT AND COMMERCE AMERICAN INVESTMENT, B.V. FIRST AMERICAN CORPORATION FIRST AMERICAN BANKSHARES, INC. GEORGIA BANKSHARES, INC. *First American Bank of Georgia, N. A. NATIONAL BANK OF GEORGIA CORPORATION

CORDELE Cordele Hawkinsville Pineview
CORNELIA Commerce Cornelia
CORNELIA Clarkesville
COVINGTON Covington
COVINGTON Conyers Covington Winterville
CRAWFORD Crawford
CURACAO, N'LANDS AMSTERDAM, NI LAND WASHINGTON, DC WASHINGTON, DC ATLANTA Atlanta ATLANTA

- 56 -

APPROVED 3-05-80
3-12-81
12-05-84 11-30-84 11-07-88
8-10-89 6-01-87 6-01-87 6-01-87 6-01-87 7-05-83 12-29-88

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

CENTURY SOUTH BANKS, INC. First National Bank of Union County
*Bank of Dahlonega The Bank of Ellijay Georgia First Bank
FIRST NATIONAL BANCSHARES OF PAULDING COUNTY, INC. *The First National Bank of Paulding County
NORTHWEST GEORGIA FINANCIAL CORPORATION *The Citizens Bank, Dallas, Georgia
HARDWICK HOLDING COMPANY The Calhoun First National Bank
*Hardwick Bank & Trust Company
SOUTHEASTERN BANKING CORPORATION Southeastern Bank
DAWSON BANCSHARES, INC. *Bank of Dawson
DAWSON COUNTY BANCSHARES, INC. *Dawson County Bank
DFSOUTHEASTERN, INC. *Decatur Federal Savings and Loan Association
FIDELITY SOUTHERN CORPORATION *Fidelity National Bank
PRIME BANCSHARES, INC. *Prime Bank, FSB
- 57 -

DAHLONEGA Blairsville Dahlonega Ellijay Gainesville
DALLAS Dallas
DALLAS Dallas
DALTON Calhoun Dalton
DARIEN Darien
DAWSON Dawson
DAWSONVILLE Dawsonville
DECATUR Decatur
DECATUR Decatur
DECATUR Decatur

APPROVED
4-20-82
6-19-85 3-05-82 9-23-80 4-14-81 9-19-83 12-03-84 8-25-88 12-18-79 7-14-89

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

M & F FINANCIAL CORPORATION *Merchants and Farmers Bank

FNC BANCORP, INC. *First National Bank of Coffee County

CITIZENS & MERCHANTS CORPORATION *Citizens & Merchants State Bank

METRO BANCORP, INC . *The Commercial Bank

THORNTON HOLDING COMPANY, INC. *Douglas County Bank

FARMERS BANCSHARES, INC. *Farmers State Bank The Security State Bank

MORRIS STATE BANCSHARES, INC. *The Morris State Bank

GWINNETT BANCORP, INC. *Gwinnett National Bank

CITIZENS CORPORATION *Citizens Bank & Trust Company Citizens Bank & Trust Company of Mount Vernon

JESSUP FAMILY LIMITED PARTNERSHIP *Bank of Eastman

PEOPLES BANKSHARES, INCORPORATED *The Peoples Bank

- 58 -

DONALSONVILLE Donalsonville
DOUGLAS Douglas
DOUGLASVILLE Douglasville
DOUGLASVILLE Douglasville
DOUGLASVILLE Douglasville
DUBLIN Cadwell McRae
DUBLIN Dublin
DULUTH Duluth
EASTMAN Eastman Mount Vernon
EASTMAN Eastman
EATONTON Eatonton

APPROVED 2-01-85 3-19-91
11-09-89 12-10-84 12-17-81
7-24-79
5-24-89 1-27-89 1-15-85
4-17-90 2-17-84

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

PUTNAM-GREENE FINANCIAL CORPORATION *Farmers & Merchants Bank The Pembroke State Bank The Farmers Bank
BOE BANCSHARES, INC. *The Bank of Edison
FIRST ELBERT CORPORATION *First National Bank in Elberton
MIDDLE GEORGIA CORPORATION *Bank of Ellaville
FAIRBANCO HOLDING COMPANY, INC. *Fairburn Banking Company
COLONY BANKCORP, INC. Ashburn Bank Bank of Dodge County
*The Bank of Fitzgerald Community Bank of Wilcox Bank of Worth
COUNTRY BANK HOLDING COMPANY *Monroe County Bank
CATOOSA BANCSHARES, INC. *Capital Bank
CITIZENS EXPRESS COMPANY *The Citizens Bank

EATONTON Eatonton Pembroke Union Point
EDISON Edison
ELBERTON Elberton
ELLAVILLE Ellaville
FAIRBURN Fairburn
FITZGERALD Ashburn Chester Fitzgerald Pitts Sylvester
FORSYTH Forsyth
FORT OGLETHORPE Fort Oglethorpe
GAINESVILLE Gainesville

- 59 -

APPROVED
4-03-87
3-05-84 4-01-83 5-08-81 6-11-84 4-15-83
2-25-82 12-15-80 10-28-83

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

FIRST NATIONAL BANCORP Bank of Clayton The First National Bank of White County First National Bank of Habersham The Peoples Bank of Forsyth County Granite City Bank First National Bank of Gilmer County
*The First National Bank of Gainesville Bank of Banks County Pickens County Bank The First National Bank of Jackson County The Citizens Bank
LANIER BANKSHARES, INC. *Lanier National Bank
FIRST CITIZENS BANKSHARES, INC. *First Citizens Bank
CITIZENS FINANCIAL SERVICES, INC. *Citizens Union Bank
FNB BANKING COMPANY The First National Bank of Barnesville
*First National Bank of Griffin
CCB BANCSHARES, INC. *Citizens Community Bank
LOWNDES BANCSHARES, INC. *Commercial Banking Company
MGEORGIA BANKSHARES, INC. *The Pulaski Banking Company

- 60 -

GAINESVILLE Clayton Cleveland Cornelia Cumming Elberton Ellijay Gainesville Homer Jasper Jefferson Toccoa
GAINESVILLE Gainesville
GLENNVILLE Glennville
GREENSBORO Greensboro
GRIFFIN Barnesville Griffin
HAHIRA Hahira
HAHIRA Hahira
HAWKINSVILLE Hawkinsville

APPROVED 5-11-81
4-18-89 12-16-80
6-17-85 1-17-83 12-15-82 9-16-85 3-23-87

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

COASTAL BANKSHARES, INC.
*The Coastal Bank
LIBERTY SHARES, INC.
*The Hinesville Bank
COMMUNITY TRUST FINANCIAL SERVICES CORPORATION
*Community Trust Bank
FIRST HOGANSVILLE BANKSHARES, INC.
*The Citizens Bank
EMPIRE BANK CORP., INC.
*Empire Banking Company
MCINTOSH BANCSHARES, INC.
*Mcintosh State Bank
BARNETT BANKS, INC.
*Barnett Bank of Fayette County
ANB BANKSHARES, INC.
*Barnett Bank of Southeast Georgia, N.A.
SUNCOAST BANCORP, INC. FIRST CITY BANCORP, INC.
* Barnett Bank of Atlanta Barnett Bank of Southwest Georgia
JBC BANCSHARES, INC.
*Jasper Banking Company
WAYNE BANCORP, INC.
*Wayne National Bank
SOUTHERN CRESCENT FINANCIAL CORP.
*Clayton National Bank

- 61 -

HINESVILLE
Hinesville
HINESVILLE
Hinesville
HIRAM
Hiram
HOGANSVILLE
Hogansville
HOMERVILLE
Homerville
JACKSON
Jackson
JACKSONVILLE, FL
Fayetteville
BRUNSWICK
Brunswick
VERO BEACH, FL ATLANTA
Atlanta Columbus
JASPER
Jasper
JESUP
Jesup
JONESBORO
Morrow

APPROVED
7-07-82 10-24-84
2-06-91 9-23-82 11-22-88 4-24-91 11-25-86 9-19-84 11-25-86 12-02-80
7-10-85 6-14-90 10-19-89

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)

NAME

CITY

COMMEX FINANCIAL CORPORATION *First Alliance Bank

FMB BANCSHARES, INC. *Farmers and Merchants Bank

FIRST SECURITY BANKSHARES, INC. Bank of Hartwell
*Northeast Georgia Bank

COMMERCIAL BANCORP OF GWINNETT, INC. *Commercial Bank of Gwinnett, National Association

GWINNETT BANCSHARES, INC. *Gwinnett Federal Bank, Federal Savings Bank

THE GWINNETT FINANCIAL CORPORATION *The Bank of Gwinnett County

LAFAYETTE BANKSHARES, INC. *The Bank of LaFayette, Georgia

LINCOLN BANCSHARES, INC *Farmers State Bank

PERSONS BANKING COMPANY, INC. *The Peoples Bank The Bank of Perry

JEFFERSON BANCSHARES, INC. *Bank of Jefferson County

THE QUEENSBOROUGH COMPANY
*The First National Bank & Trust Company
Bank of Wadley

- 62 -

KENNESAW Kennesaw
LAKELAND Lakeland
LAVONIA Hartwell Lavonia
LAWRENCEVILLE Lawrenceville
LAWRENCEVILLE Lawrenceville
LAWRENCEVILLE Lawrenceville
LAFAYETTE LaFayette
LINCOLNTON Lincolnton
LITHONIA Lithonia Perry
LOUISVILLE Louisville
LOUISVILLE Louisville Wadley

APPROVED
11-14-88 10-11-84 11-15-83
6-06-90 3-29-90 11-03-87 1-03-84 12-03-84 8-22-80
5-11-89 11-18-85

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

SOUTH GEORGIA BANKSHARES CORP. *Peoples Bank
COMMUNITY FINANCIAL CORPORATION *Community Bank & Trust Company
BANK CORPORATION OF GEORGIA *First South Bank, N.A. AMERICORP, INC. *Ameribank, N.A.
FIRST LIBERTY FINANCIAL CORPORATION *Liberty Savings Bank, FSB
MADISON BANK CORP *Bank of Madison
F AND M HOLDING COMPANY, INC. *F & M Bank and Trust Company
AMERICAN BANKSHARES, INC. *Cobb American Bank and Trust Company
CHATTAHOOCHEE BANCORP, INC. The Chattahoochee Bank
FCS FINANCIAL CORPORATION *First Columbia Bank
THREE RIVERS BANCSHARES *Bank of Milan
BALDWIN BANCSHARES, INC. *First National Bank of Baldwin County

- 63 -

LYONS Lyons
MABLETON Mableton
MACON Fort Valley SAVANNAH Savannah
MACON Macon
MADISON Madison
MANCHESTER Manchester
MARIETTA Marietta
MARIETTA Atlanta
MARTINEZ Martinez
MILAN Milan
MILLEDGEVILLE Milledgeville

APPROVED 12-17-80 5-09-88 5-13-80 12-27-84 7-16-85 7-10-85 12-14-84 12-22-88 12-12-88 9-16-83 6-23-87 2-14-89

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

CENTRAL AND SOUTIIERN HOLDING COMPANY The Central and Southern Bank of Greensboro
*The Central & Southern Bank of Georgia
EXCHANGE BANKSHARES, INC. *Exchange Bank
FIRST ALABAMA BANCSHARES, INC. First Alabama Bank of Columbus
FMB BANKING CORPORATION *First Merchants Bank
ABC BANCORP Bank of Thomas County
*American Banking Company Bank of Quitman The Citizens Bank of Tifton
SOUTHWEST GEORGIA FINANCIAL CORPORATION *Moultrie National Bank
THE NASHVILLE HOLDING COMPANY Adel Banking Company
*The Citizens Bank
UNITED BANKSHARES, INC. *The United Banking Company
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA The Prudential Savings Bank PRUCO, INC. *The Prudential Bank and Trust Company
- 64 -

MILLEDGEVILLE Greensboro Milledgeville
MILLEDGEVILLE Milledgeville
MONTGOMERY, AL Columbus
MONTICELLO, FL Thomasville
MOULTRIE Coolidge Moultrie Quitman Tifton
MOULTRIE Moultrie
NASHVILLE Adel Nashville
NASHVILLE Nashville
NEWARK, NJ Cartersville NEWARK, NJ Atlanta

APPROVED 3-06-81
10-05-83 7-24-91
11-25-86 3-23-81
11-18-80 5-16-85 4-23-85 6-27-83 6-27-83

NAME

FINANCIAL HOLDING COMPANIES AND 'fHEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

FIRST GWINNETT BANCSHARES, INC. *First Gwinnett Bank
FIRST SECURITY CORPORATION *First Security National Bank
IRWIN BANKCORP, INC. *The Bank of Ocilla, Georgia
PATTERSON BANKSHARES, INC. *The Patterson Bank
FAYETTE COUNTY BANCSHARES, INC. *Fayette County Bank
PNB BANKSHARES, INC. *Peachtree National Bank
PBC BANCSHARES, INC. *Pelham Banking Company
TATTNALL BANCSHARES, INC. *The Tattnall Bank
GEORGIA COMMUNITY BANCORP, INC. Bank of Terrell Commercial State Bank
*The Citizens State Bank
BRYAN BANCORP OF GEORGIA, INC. *Bryan Bank & Trust
CIRCUIT CITY STORES, INC. *First North American National Bank

- 65 -

NORCROSS Norcross
NORCROSS Norcross
OCILLA Ocilla
PATTERSON Patterson
PEACHTREE CITY Peachtree City
PEACHTREE CITY Peachtree City
PELHAM Pelham
REIDSVILLE Reidsville
REYNOLDS Dawson Donalsonville Reynolds
RICHMOND HILL Richmond Hill
RICHMOND, VA Marietta

APPROVED 7-20-90 9-14-89 9-24-84 1-17-86 6-29-89 4-18-89
10-25-90 3-03-86
10-25-84
8-11-89 7-27-90

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES (* = Lead Bank)

NAME

CITY

NW SERVICES CORPORATION *Northwest Georgia Bank
TARA BANKSHARES CORPORATION *Tara State Bank
FIRST COMMUNITY BANCSHARES, INC. *First Rome Bank
FIRST SUNBELT BANKSHARES, INC. *The Georgia State Bank of Rome
STATE MUTUAL INSURANCE COMPANY STATCO, INC. *Home Federal Savings Bank
ROSSVILLE BANKSHARES, INC. *Rossville Bank
NORTH FULTON BANCSHARES, INC. *Milton National Bank
SOUTHERN BANK GROUP, INC. *The Northside Bank & Trust Company The Southside Bank & Trust Company
METRO FINANCIAL CORPORATION *Metro Bank
SARDIS BANKSHARES, INC. *Bank of Burke County
THE SAVANNAH BANCORP, INC. *The Savannah Bank National Association

- 66 -

RINGGOLD Ringgold
RIVERDALE Riverdale
ROME Rome
ROME Rome
ROME ROME Rome
ROSSVILLE Rossville
ROSWELL Roswell
ROSWELL Roswell Union City
SANDY SPRINGS Sandy Springs
SARDIS Sardis
SAVANNAH Savannah

APPROVED 12-14-83
7-10-87 3-17-88 2-27-87 6-06-90 6-06-90 8-13-84 8-21-90 5-08-87
2-27-90 11-05-86
7-09-90

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

SB&T CORPORATION *Smyrna Bank & Trust Co.

BUTTON GWINNETT BANCORP *Button Gwinnett National Bank

GEORGIA CENTRAL BANCSHARES, INC. *Georgia Central Bank

SOPERTON BANCSHARES, INC. *The Bank of Soperton

GOLDEN ISLES FINANCIAL HOLDINGS, INC. *The First Bank of Brunswick

GENERAL ELECTRIC COMPANY GE FINANCIAL SERVICES, INC. GE CAPITAL CORPORATION * Monogram Credit Card Bank of Georgia

EAGLE BANCORP, INC. *Eagle Bank and Trust

FIRST BANKING COMPANY OF SOUTHEAST GEORGIA
Metter Banking Company
*First Bulloch Bank & Trust Company

HENRY COUNTY BANCSHARES, INC. *The First State Bank

THE FIRST NATIONAL BANKSHARES OF HENRY COUNTY, INC. *The First National Bank of Henry County

CENTRAL BANKING COMPANY *The Central Bank

- 67 -

SMYRNA Smyrna
SNELLVILLE Snellville
SOCIAL CIRCLE Social Circle
SOPERTON Soperton
ST.SIMONS ISLAND Brunswick
STAMFORD, CT STAMFORD, CT STAMFORD, CT Roswell
STATESBORO Statesboro
STATESBORO Metter Statesboro
STOCKBRIDGE Stockbridge
STOCKBRIDGE Stockbridge
SWAINSBORO Swainsboro

APPROVED
10-22-87 7-30-87 9-06-84 8-26-88 5-05-89
6-27-88 3-05-90 2-08-82
3-07-83 10-16-89 10-07-81

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

SPIVEY BANK SHARES, INC. *Spivey State Bank
SCREVEN BANCSHARES, INC. *Farmers and Merchants Bank
FIRST BANK HOLDING COMPANY *Sylvester Banking Company
WCG BANCSHARES, INC. *West Central Georgia Bank
ALLIED BANKSHARES, INC. Bank of Columbia County Bank of Millen Bank of Morgan County
*Bank of Thompson
TIFTON BANKS, INC.
*Tifton Bank & Trust Company
TRI-STATES BANKSHARES, INC. *Bank of Dade
TAG BANCSHARES, INC. *Citizens Bank and Trust, Inc.
SUMMERVILLE/TRION BANCSHARES, INC. *First National Bank of Chattooga County
EAGLE BANCSHARES, INC. *Tucker Federal Savings and Loan Association
MOUNTAIN HOLDING CORPORATION *Mountain National Bank

- 68 -

SWAINSBORO Swainsboro
SYLVANIA Sylvania
SYLVESTER Sylvester
TIIOMASTON Thomaston
TIIOMSON Harlem Millen Rutledge Thomson
TIFTON Tifton
TRENTON Trenton
TRENTON Trenton
TRION Summerville
TUCKER Tucker
TUCKER Tucker

APPROVED 8-25-86
10-15-90 8-22-83 12-10-82 12-03-84
3-14-91 4-27-82 6-28-91 2-14-86 1-24-86 4-24-91

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES (* = Lead Bank)
CITY

MIDDLE GEORGIA BANKSHARES, INC. *Citizens Bank
ALTAMAHA BANCSHARES, INC. *Al tamaha Bank and Trust Company
PAB BANKSHARES, INC. Farmers and Merchants Bank
*The Park Avenue Bank
VB&T BANCSHARES CORP. *Valdosta Bank and Trust
DBT HOLDING COMPANY *Darby Bank and Trust Company
DOOLY BANCSHARES, INC. *Bank of Dooly
VILLA RICA BANCORP, INC. *Bank of Villa Rica
CB FINANCIAL CORP. *Citizens Bank
WASHINGTON/WILKES HOLDING COMPANY *Farmers and Merchants Bank
WB&T BANKSHARES, INC. *Waycross Bank & Trust
FIRST BURKE BANKING COMPANY *The First National Bank of Waynesboro

- 69 -

UNADILLA Vienna
UVALDA Uvalda
VALDOSTA Adel Valdosta
VALDOSTA Valdosta
VIDALIA Vidalia
VIENNA Vienna
VILLA RICA Villa Rica
WARRENTON Warrenton
WASHINGTON Washington
WAYCROSS Waycross
WAYNESBORO Waynesboro

APPROVED 10-31-83 11-03-80 8-02-82
11-29-90 1-26-90 4-03-85 8-15-86 1-09-86 3-20-86
11-22-89 2-26-86

NAME

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
(* = Lead Bank)
CITY

FIRST BANKSHARES OF WEST POINT, INC. *First National Bank of West Point
ATKINSON COUNTY BANKSHARES CORPORATION *The Peoples Bank
BARROW BANCSHARES, INC. *Barrow Bank & Trust Company
PEOPLES HOLDING COMPANY *The Peoples Bank
WOODBURY BANCSHARES, INC. *The Woodbury Banking Company
TSB BANCORP, INC. *Talbot State Bank
FIRST CHEROKEE BANCSHARES, INC. *First National Bank of Cherokee
FIRST COMMUNITY CORPORATION *First Community Bank of Cherokee
NORTH GEORGIA NATIONAL BANCSHARES, INC. *North Georgia National Bank
CSRA BANK CORP. *First State Bank
WRIGHTSVILLE BANCSHARES, INC. *Bank of Wrightsville
NOTE: Bank and S&L Subsidiaries Located in Other States Are Omitted
- 70 -

WEST POINT West Point
WILLACOOCHEE Willacoochee
WINDER Winder
WINDER Winder
WOODBURY Woodbury
WOODLAND Woodland
WOODSTOCK Woodstock
WOODSTOCK Woodstock
WOODSTOCK Woodstock
WRENS Wrens
WRIGHTSVILLE Wrightsville

APPROVED 7-13-83 9-18-80
10-24-89 11-17-83 12-08-83 5-02-88 12-20-88 7-21-87 6-12-89 5-14-90 11-03-86

PARENT ORGANIZATION NationsBank of Georgia, N.A. First American Bank, N.A. Wachovia Bank of Georgia, N.A. Trust Company Bank Banca Nazionale Del Lavoro Bank South, N.A.

DOMESTIC INTERNATIONAL BANKING FACILITIES (O.C.G.A. 7-1-730)
FACILITY LOCATION
International Division P.O.Box 4899, 34 Broad Street, N.W. Atlanta, GA 30303-4899
International Division 2000 RiverEdge Parkway, N.W. Atlanta, GA 30328
International Division 191 Peachtree Street, N.E. Atlanta, GA 30303
International Division P 0 Box 4418, Mai I Code 062 Atlanta, GA 30302
International Division 245 Peachtree Center Ave., N.E., Suite 2120 Atlanta, GA 30303-1204
International Division P 0 Box 4387 - Mai I Code 16 Atlanta, GA 30303

DATE PERMIT ISSUED December 22, 1981 January 06, 1982 January 26, 1982 February 02, 1982 October 24, 1983 December 28, 1984

- 71 -

REGISTRANT Citicorp North America, Inc.
(& Affi I iates) 211 Perimeter Center Parkway Atlanta, GA 30346 Great Western Financial Corporation 8484 Wi !shire Boulevard Beverly Hi I Is, CA 90211
Col lateral Mortgage, Ltd. 1900 Crestwood Boulevard Birmingham, AL 35210
First National Bank of Boston (The) 100 Federal Street Boston, MA 02110
State Street Bank & Trust Company 225 Frankl in Street Boston, MA 02110
Marine Midland Banks, Inc. One Marine Midland Center Buffalo, NY 14203
Bank I I I inois Company P.O. Box 310 Champaign, IL 61824-0310
NCNB National Bank of North Carolina
One NCNB Plaza Charlotte, NC 28255

REPRESENTATIVE OFFICES OF OUT-OF-STATE BANKS (O.C.G.A. 7-1-590)
NAME AND LOCATION
*Citicorp Leasing, Inc. 400 Perimeter Center Terrace Atlanta, GA 30346
*Great Western Mortgage Corporation 861 Holcomb Bridge Road Suite 200 & 207 Roswel I, GA 30076
*Col lateral Mortgage, Ltd. 5651 Whitesvi I le Road Suite 109 Columbus, GA 31090
*The First National Bank of Boston 400 Perimeter Center Terrace Suite 745 Atlanta, GA 30340
State Street Bank & Trust Company Monarch Plaza Bui !ding, Suite 736 3414 Peachtree Road, N.E. Atlanta, GA 30326
*Carrol I McEntee & McGinley Incorporated (CM&M)
3399 Peachtree Rd, N.E. Suite 1490 Atlanta, GA 30326 Bank I I I inois Company Suite 460, Ashford Green 4170 Ashford Dunwoody Road Atlanta, GA 30319
NCNB National Bank of North Caro I ina
Lincoln Perimeter Building, Suite 275 4151 Ashford Dunwoody Road Atlanta, GA 30319
- 72 -

MANAGING OFFICER, TELEPHONE NO.
Richard Derr Managing Officer 404-668-8585
Susan Hennessey Managing Officer 404-998-2182
Harriette Cameron Mortgage Officer 404-576-4352
James A. Mahoney Division Executive 404-393-4676
Kent D. Mi tche I I Vice President 404-364-9500
Dennis L. Fish Managing Officer 404-264-1200
Michael P. McCray Managing Officer 404-256-1447
Robert E. Spears President 404-257-8010

REGISTRANT
Sears, Roebuck and Company Sears Tower Chicago, IL 60684
Continental Bank, N.A. 231 South La Sa I Ie Chicago, IL 60697
Bane One Leasing Corporation 2400 Corporate Exchange Suite 300 Columbus, OH 43231
Bluebonnet Savings Bank FSB 3100 Monticello P.O. Box 8400 Dallas, TX 75205-0400
J.C. Penney Company, Inc. P. 0. Box 659000 Dallas, TX 75240-6740
First Interstate Bank of Denver, NA 633 Seventeenth Street Denver, CO 80270
First American Savings Bank, F .S.B. 4411 West Market Street P. 0. Box 26984 Greensboro, NC 27419-6984
United Savings Association of Texas FSB
3200 Southwest Freeway Suite 2000 Houston, TX 77027

REPRESENTATIVE OFFICES OF OUT-OF-STATE BANKS (O.C.G.A. 7-1-590)
NAME AND LOCATION
*AI Istate Insurance Group AI Istate Insurance
5500 Interstate North Parkway Atlanta, GA 30328-4698
Continental Bank, N.A. 950 East Paces Ferry Road Suite 3375 Atlanta, GA 30326
Bane One Leasing First Municiple Leasing
9755 Dogwood Suite 101 Roswel I, GA 30075 Bluebonnet Mortgage Servicing
Division 600 West Peachtree One Georgia Center, Suite 770 Atlanta, GA 30308 J.C. Penney Company, Inc.
Southeastern Region 715 Peachtree Street Atlanta, GA 30308
First Interstate Bank Investment Banking Division
945 E. Paces Ferry Road Suite 1990 Atlanta, GA 30326
First American Savings, F.S.B. CAMI Mortgage & Invest.
1770 Indian Trai I Road Suite 125 Norcross, GA 30093-3122 *United Savings Association
of Texas FSB 4 Concourse Parkway Suite 200 Atlanta, GA 30328
- 73 -

MANAGING OFFICER, TELEPHONE NO.
Stephen P. Georgeson Managing Officer 404-885-3575
G. Robert Muehlhauser Managing Officer 404-364-3300
Charles Litt Managing Officer 404-642-2430
Dorothy Cantre I I Managing Officer 404-249-7400
R. H. Seaman Regional President 404-397-5600
Jane Fortson Managing Officer 404-240-4330
Frank J. Geiss Managing Officer 404-279-8002
Jeff Marsh Managing Officer 404-698-6020

REGISTRANT
Eastern Savings Bank, FSB 11350 McCormick Road Suite 200 Executive Plaza I I Hunt Val ley MD 21031
American Savings Mortgage Corporation
P.O. Box 2600 Lake Jackson, TX 77566
Security Pacific National Bank 333 South Hope Street Los Angeles, CA 90071
Fleet Mortgage Corp 11200 West Parkland Avenue P. 0. Box 800 Mi !waukee, WI 53201-0800
Manufacturers Hanover Company 270 Park Avenue New York, NY 10017
Industrial Bank of Japan Trust Company (The)
245 Park Avenue New York, NY 10167-0037
Chemical Banking Corporation 277 Park Avenue New York, NY 10172
MBNA America Bank, N.A. 400 Christiana Road Newark, DE 19713

REPRESENTATIVE OFFICES OF OUT-OF-STATE BANKS (O.C.G.A. 7-1-590)
NAME AND LOCATION
Eastern Savings Bank Outlet Square Shopping Center 4166 Buford Highway, NE Atlanta, GA 30345
American Savings Mortgage Corporation
1899 Powers Ferry Road Suite 420 Marietta, GA 30067 *Security Pacific Financial Services
of Georgia, Inc. 2400 Lake Park Drive Suite 100 Smyrna, GA 30080 *Fleet Mortgage Corp. 1400 Lake Hearn Drive Suite 201 Atlanta, GA 30319
*The CIT Group/Sales Financing, Inc. 2877 Brandywine Road Suite 300 Atlanta, GA 30341
The Industrial Bank of Japan Trust Atlanta Rep Office
One Ninety One Peachtree Tower 191 Peachtree Street, N.E. Atlanta, GA 30303-1757 *Chemical Financial Services
Corporation 2302 Parklake Drive, N.E. Atlanta, GA 30345
MBNA Marketing Systems, Inc. 2600 Century Parkway, NE Atlanta, GA 30345
- 74 -

MANAGING OFFICER, TELEPHONE NO.
Michael D. Surgen Managing Officer 404-248-1310
Michael Jackson Managing Officer 404-980-0502
John Underwood Managing Officer 404-433-1233
Katie Keeney Managing Officer 404-843-1755
Phi I Trimble Managing Officer 404-986-7600
Ken Kiyoshi Chief Representative 404-524-8770
Jack Crowe I 1 Assistant Vice President 404-939-5176
David Maxwe I I Managing Officer 404-315-8811

REPRESENTATIVE OFFICES OF OUT-OF-STATE BANKS (O.C.G.A. 7-1-590)

REGISTRANT

NAME AND LOCATION

AmSouth Bank of Florida 70 N. Baylen Street Pensacola, FL 32501
Provident National Bank 100 South Broad Street
P. o. Box 7648
Phi !adelphia, PA 19102

AmSouth Commercial Real Estate Corporation
570 Colonial Park Drive Suite 303 Roswel I, GA 30075
PNC Realty Services 200 Galleria Parkway Suite 1650 Atlanta, GA 30339

Mellon Bank Corporation Mellon Bank Center Pittsburgh, PA 15259-0003
IDS Deposit Corp. 6985 Union Park Center Salt Lake City, UT 84047

Mellon Financial Services Corp Atlanta Regional Lockbox
1640 Phoenix Blvd. Suite 110 Atlanta, GA 00000
*IDS Financial Services Inc. 1200 Ashwood Parkway Suite 150 Atlanta, GA 30338

Bank of America, National Trust & Savings Association
Bank of America Center, 555 California Street P. 0. Box 37000 San Francisco, CA 94137
Boatmen's National Bank of St. Louis (The)
One Boatmen's Plaza 800 Market Street St. Louis, MO 63101
Merri I I Lynch Trust Company 3160 Fifth Avenue North Suite 102 St. Petersburg, FL 33713

*Bank of America, National Trust &
Savings Association 1230 Peachtree Street, NE Suite 3600 Atlanta, GA 30309
The Boatmen's National Bank of St. Louis
5696 Peachtree Parkway Suite 229 Norcross, GA 30092
Merri I I Lynch Trust Company 1000 Abernathy Road Suite 700, Building 400 Atlanta, GA 30328-5020

Knox Mortgage Company 203 Main Street Thomson, GA 30824

*Knox Mortgage Company 4129 B. Columbia Road Martinez, GA 30907

- 75 -

MANAGING OFFICER, TELEPHONE NO.
John W. Harrison Managing Officer 404-641-9705
Suzanne E. Hale Managing Officer 404-984-0707
Anthony Sims Managing Officer 404-994-5380
Raymond E. Carothers, Jr. Managing Officer 404-396-7840
Vicky Ferguson Managing Officer 404-249-6918
Robert L. Westfal I, Jr. Assistant Vice President 404-263-3712
Larry H. Taylor Regional Trust Rep. 404-282-2222
Bob G. Taylor Managing Officer 404-868-6300

REGISTRANT 33. Beneficial Corporation
400 Bellevue Parkway Wilmington, DE 19809 34. TSB Bancorp, Inc. P.O. Drawer B Woodland, GA 31836

REPRESENTATIVE OFFICES OF OUT-OF-STATE BANKS (O.C.G.A. 7-1-590)
NAME AND LOCATION
*Beneficial Georgia, Inc. 2700 Dawson Road Bui !ding 2, Suite 9 Albany, GA 31701
*Talbot State Bank P.O. Drawer B Woodland, GA 31836

*Indicates Various Other Names and/or Locations Are Also Registered

MANAGING OFFICER, TELEPHONE NO.
David Springeron Managing Officer 912-883-4720
Jimmy Davidson Vice President 404-674-2215

- 76 -

NAME AND ADDRESS

INTERNATIONAL BANK AGENCIES (O.C.G.A. 7-1-710)
FOREIGN LOCATION

AGENT, TELEPHONE NO., AND DATE LICENSE ISSUED

ABN AMRO Bank N. V. Suite 1200 One Ravinia Drive Atlanta, GA 30346-2103

Amsterdam, The Nederlands

Banca Nazionale Del Lavoro 245 Peachtree Center Avenue, N.E. Suite 2120 Atlanta, GA 30303-1204

Rome, Italy

Bank of Nova Scotia (The) Suite 650 55 Park Place Atlanta, GA 30303-2530

Toronto, Ontario, Canada

Bank of Tokyo, Limited (The)-Atlanta Agency 133 Peachtree Street, NE 5050 Georgia Pacific Center Atlanta, GA 30303

Tokyo, Japan

Barclays Bank PLC 300 Galleria Parkway, NW Suite 800 Atlanta, GA 30339

London, England

Canadian Imperial Bank of Commerce Suite 650 200 Galleria Parkway, NW Atlanta, GA 30339-5944

Toronto, Ontario, Canada

Commerzbank Aktiengesel lschaft Promenade Two, Suite 3500 1230 Peachtree Street, NE Atlanta, GA 30309

Frankfurt, West Germany

Credit Lyonnais Suite 1700 235 Peachtree Street, NE Atlanta, GA 30303

Paris, France

Credit Suisse Suite 3500 191 Peachtree Street, NW Atlanta, GA 30303-1757

Zurich, Switzerland

Creditanstalt-Bankverein Suite 1680 Two Ravinia Drive Atlanta, GA 30346

Vienna, Austria

*Agencies with no assets operate as Representative Offices only
- 77 -

W. Patrick Fischer Senior VP/Agency Manager 404-396-0066 June 24, 1977
Alessandro DiGiovanni Senior Vice President 404-614-4600 February 09, 1982
Wi I I iam J. Brown Vice President 404-581-0807 May 27, 1977
Norimichi Kanari Chief Representative 404-577-2960 February 15, 1991
Samuel G. Barnes Vice President & Manager 404-859-2400 June 11, 1976
John A. Reade Vice President-Director 404-955-8989 Apri I 05, 1978
Peter K. Thiels Senior Vice President 404-873-6868 October 31, 1978
Vladimir Labun Vice President & Manager 404-524-3700 November 06, 1980
Robert N. Finney Vice President/Manager 404-577-6100 November 27, 1978
Robert M. Biringer Vice President 404-390-1850 October 13, 1988

*GEORGIA ASSETS (In Thousands) 538,422 581,455 4,071,759 278,243
592,280 109,383 39,296

NAME AND ADDRESS

INTERNATIONAL BANK AGENCIES (O.C.G.A. 7-1-710)
FOREIGN LOCATION

AGENT, TELEPHONE NO., AND DATE LICENSE ISSUED

Dai-lchi Kangyo Bank, Limited (The) Suite 2400 285 Peachtree Center Avenue, N.E. Atlanta, GA 30303-1229

Tokyo, Japan

Daiwa Bank, Limited (The) Marquis Two Tower, Suite 2301 285 Peachtree Center Avenue Atlanta, GA 30303-1235

Osaka, Japan

DG BANK-Deutsche Genossenschaftsbank Suite 2510, Cain Tower 229 Peachtree Street, NE Atlanta, GA 30303-1608

Frankfurt, West Germany

Fuji Bank, Limited (The) Marquis One Tower, Suite 2100 245 Peachtree Center Avenue, NE Atlanta, GA 30303-1204

Tokyo, Japan

Industrial Bank of Japan, Limited (The) One Ninety One Peachtree Tower 191 Peachtree Street, N.E., Suite 3600 Atlanta, GA 30303-1757

Tokyo, Japan

lNG Bank d/b/a NMB Bank Suite 950 200 Galleria Parkway, NW Atlanta, GA 30339

The Netherlands

Kredietbank, N.Y. Two Midtown Plaza, Suite 1440 1360 Peachtree Street Atlanta, GA 30309

Brussels, Belgium

National Bank of Canada Suite 800 200 Galleria Parkway, NW Atlanta, GA 30339

Montreal, Quebec, Canada

Royal Bank of Canada Georgia Pacific Building 133 Peachtree Street, Suite 4630 Atlanta, GA 30303-1821

Montreal, Quebec, Canada

Sakura Bank, Limited (The) Marquis One Tower, Suite 2703 245 Peachtree Center Avenue, NE Atlanta, GA 30303

Tokyo, Japan

*Agencies with no assets operate as Representative Offices only
- 78 -

Noboru Hasegawa General Manager 404-581-0200 December 01, 1987
Michael Sawicki Vice President/Manager 404-524-6544 January 03, 1990
John W. Somers Senior VP and Manager 404-524-3966 May 31, 1989
Shoji Kurita General Manager 404-653-2100 December 09, 1987
Ken Kiyoshi General Manager 404-524-8770 September 25, 1990
Patricia B. Buck Assistant Manager 404-956-9200 November 03, 1987
Nancy D. Halwig Senior Representative/VP 404-876-2556 March 20, 1980
Wi I I iam R. O'Conner Vice President 404-980-0588 Apri I 10, 1985
Don Calancie Senior Manager 404-880-5000 March 23, 1989
Shigemoto Morisaki General Manager 404-521-3111 October 05, 1990

*GEORGIA ASSETS (In Thousands) 476,644
500,282 322,690
293,226

NAME AND ADDRESS
Sanwa Bank, Limited (The) Georgia Pacific Center, Suite 4750 133 Peachtree Street, NE Atlanta, GA 30303-1821
Standard Chartered Bank Suite 400 Two Ravinia Drive Atlanta, GA 30346-2104
Sumitomo Bank, Limited (The) Suite 3210 133 Peachtree Street Atlanta, GA 30303
Tokai Bank, Limited (The) 285 Peachtree Center Avenue, NE Marquis Two Tower, Suite 2802 Atlanta, GA 30303

INTERNATIONAL BANK AGENCIES (O.C.G.A. 7-1-710)
FOREIGN LOCATION

AGENT, TELEPHONE NO., AND DATE LICENSE ISSUED

Tokyo, Japan United Kingdom Osaka, Japan Nagoya, Japan

Shinichi Hiraga General Manager 404-586-6880 November 14, 1984
Richard B. Land Regional Manager 404-396-2900 October 19, 1981
Takashige Morihara General Manager 404-526-8500 March 04, 1987
Tomio Tanaka General Manager 404-880-0000 October 10, 1989

*Agencies with no assets operate as Representative Offices only

*GEORGIA ASSETS (In Thousands) 870,832 79,781 538,913 142,218

- 79 -

NAME AND ADDRESS
The Long-Term Credit Bank of Japan, Ltd.
Suite 2801, Marquis One Tower 245 Peachtree Center Avenue, N.E. Atlanta, GA 30303-1228 The Mitsubishi Bank, Ltd, Atlanta
Corporate Banking Office One Ninety One Peachtree Tower 191 Peachtree Street, Suite 1170 Atlanta, GA 30303-1757 The Sumitomo Trust & Banking
Co., Ltd. Marquis Two Tower, Suite 2105 285 Peachtree Center Avenue, N.E. Atlanta, GA 30303 The Yasuda Trust and Banking
Company, Limited 285 Peachtree Center Avenue, N.E. Suite 2104, Marquis Two Atlanta, GA 30303-1234

INTERNATIONAL BANK REPRESENTATIVE OFFICES (O.C.G.A. 7-1-721) FOREIGN LOCATION Tokyo, Japan
Tokyo, Japan
Osaka, Japan
Tokyo, Japan

REPRESENTATIVE, TELEPHONE NO.
Yasuyoshi Tsuji Chief Representative 404-659-7210
Yukuo Ashidai Manager 404-730-9000
Tetsuo lwamura Chief Representative 404-523-3550
Tomoya Osada Chief Representative 404-584-7807

- 80 -

SALE OF CHECKS OR MONEY ORDERS CORPORATIONS (O.C.G.A 7-1-680-692)

NAME OF LICENSEE
American Express Travel Related Services Company, Inc.

- LO- CA- TIO-N New York, NY

NO. OF GA AGENTS 929

BA Cheque Corporation &
BankAmerican Corporation

San Francisco, CA

70

Circle K Money Order Corporation

Phoenix, AZ

179

Citicorp & Citicorp Service, Inc.

Chicago, IL

549

Comdata Network, Inc.

Brentwood, TN

466

Fidelity Express Money Order Company

Sulphur Springs, TX

90

Global Express Money Orders, Inc. Interpayment Services Limited

Silver Springs, MD New York, NY

204
* 297

Mid-America Money Order Company

Louisville, KY

13

North American Money Order Company, Inc. College Park, GA

96

Ruesch International, Inc.

New York, NY

1

Societe Francaise du Cheque de Voyage

New York, NY

19

Swiss Bankers Travellers Cheque Centre New York, NY

7

Thomas Cook Currency Services, Inc.

Atlanta, GA

4

Thomas Cook, Inc.

Princeton, NJ

92

Travelers Express Company, Inc.

Minneapolis, MN

2043

Travellers Cheque Associates, Ltd.

New York, NY

26

U. S. Express Money Order

Stone Mountain, GA

24

Western Union Financial Services, Inc. Upper Saddle River, NJ

530

NOTE: All State and National Banks, State and Federal Savings and Loan Associations, Federal Savings Banks, State and Federal Credit Unions maintaining their principal place of business in Georgia may sell checks without obtaining a special license. A listing of State and National Banks, State Savings and Loan Associations and State Credit Unions is included herein. A listing of Federal Savings and Loan Associations, Federal Savings Banks, and Federal Credit Unions may be obtained from the appropriate Federal regulatory agency; i.e., Office of Thrift Supervision, National Credit Union Administration.
* Estimated

GEORGIA CREDIT UNION DEPOSIT INSURANCE CORPORATION STATEMENT OF ASSETS AND LIABILITIES

12-31-91

ASSETS

Cash in Bank.

. . . . . . . $ 68,985

Investments - Certificates of Deposit, etc. 16,815,489

Due from Members . . . . .

-0-

Due from Credit Unions in Liquidation

202,055

Fixed Assets.

6,300

Other Assets.

521,594

TOTAL ASSETS . . .

$17,614,423 ====

12-31-90
$ 56,148 13,300,365 3,032,867 483,499 27,410 303,169 $17,203,458

Nco LIABILITIES, RESERVES, CAPITAL

Miscellaneous Accounts Payable.

$ 26,836

$ 4,290

Reserve Against Insurance Liabilities

8,386,632

7,943,438

Capital - Members' Paid-in Fees .

9,200,955

9,255,730

TOTAL LIABILITIES, RESERVES, CAPITAL.

$17,614,423 ====--==

$17,203,458

NAME OF CREDIT UNION

RECEIVERSHIP LIQUIDATIONS

LOCATION

CLOSED

RECEIVER OR DEPUTY RECEIVER

Augusta Plant, TRW United Greenfield Divisions Employees' Credit Union Unpaid Claims Liquidation Expenses Payable Estimated Value of Remaining Assets

Augusta

3-09-79

GCUDIC
$12,327.52
-o-
-o-

Marion Manufacturing Credit Union Unpaid Claims Liquidation Expenses Payable Estimated Value of Remaining Assets

Atlanta

SAV Employees' Credit Union Unpaid Claims Liquidation Expenses Payable Estimated Value of Remaining Assets

Atlanta

5-15-81

GCUDIC $ 5,588.24
-o-o-

9-23-76

(V') CX)
GCUDIC $22,257.64
-0-
-o-

DDI Employees' Credit Union

Dalton

Unpaid Claims

Estimated Value of Remaining Assets

7-29-80

GCUDIC $ 461.00
-0-

Christian Churches Credit Union Unpaid Claims Liquidation Expenses Payable Estimated Value of Remaining Assets

Fayetteville

7-13-88

GCUDIC $202,808.00
-0-
$199,556.00

CHECK CASHERS (O.C.G.A. 7-1-700)

CITY

STATE APPLICANT NAME

Albany Albany Albany Athens Athens Athens Athens Athens Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta At anta At anta At anta At anta At anta At anta At anta At anta At anta At anta At anta At anta At anta At anta At anta At anta At anta At anta At anta At anta At anta At anta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta

GA *Ace's Liquors', Inc.

GA

Jaxx Liquors, Inc.

GA

Sadler Check Cashing of Albany, Inc.

GA

Arthur J. Floyd

GA

Chase Street Bev. Inc.

GA

Classic Cash, Inc.

GA

Timothy Eze Otuonye

GA *Young c. Son

GA

Ae Sok Chang

GA

Alabama Checkcashers, Inc.

GA *Alex Supermarket, Inc.

GA

Atlanta Cash It Here, Inc.

GA

Atlanta Check Cashers, Inc.

GA

Atlanta Money Exchange, Inc.

GA *B & W Supermarket, Inc.

GA *Bankhead Liquor Store Partnership

GA

Bankhead Liquors, Inc.

GA *Brian Y. Choi

GA

Chae Hun Shim

GA

Check Cashers, Inc.

GA

Check It Out, Inc.

GA

Checks Unlimited, Inc.

GA

Chek Cash, Inc.

GA *Chin Y. Son

GA

Choi Kwang Woong

GA *Chum Ja Yum

GA *Cindy Kim

GA *Curtis L. Holmes

GA *Dan L. Simpson

GA

Dennis B. Lee

GA

Do I I i e Me I I s

GA *Doran Liquors, Inc.

GA

Economy Liquor Store, Inc.

GA *Edward C. Shim

GA

Fast Check, Inc.

GA

Federal Financial Centers, Inc.

GA

First Pryor Corporation

GA *Five Star Supermarket, Inc.

GA

Fulton Beverage Center, Inc.

GA

Greenbacks, Inc.

GA *Han & Chang Enterprises, Inc.

GA

Hare & Sheth, Inc.

GA

Hiram Jackson Landers, Jr.

GA

International Monetary Systems, Inc.

GA *J&M Enterprises, Inc.

GA

Jack Raymond Halfon

GA *Jae Ook Choi

GA *Jae Yong Kim

GA *Jai Man Yoon

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

- 84 -

TRADE NAME Ace's Liquors', Inc. Jaxx Beer and Wine Mr. Money Check Casher Floyd's Package Store Chase Street Package Classic Cash, Inc. Express Check Cashing Center 4 Tigers Bankhead Supermarket AAA Checkcashers, Inc. Alex Supermarket, Inc. Atlanta Cash It Here, Inc. Atlanta Check Cashers, Inc. Atlanta Money Exchange, Inc. B & W Supermarket, Inc. Bankhead Liquor Store Tower Package Store Hunter Hi I I Supermarket D & M Liquor Store Check Cashers, Inc. #1 & #3 Check It Out, Inc. Checks Unlimited, Inc. Chek Cash Shoppers Market West End Food Mart Alewine Grocery Store Danneman's Supermarket Discount Foods Salvage Simpson's Food Store Five Points variety ADR Financial Services Powers Ferry Bottle Shop, Inc. Economy Liquor Store, Inc. Atlanta Package Store Fast Check of Georgia, Inc. Federal Financial Centers, Inc. Pryor Liquor Store Five Star Supermarket, Inc. Fulton Beverage Center, Inc. Greenbacks, Inc. Stewart Avenue Liquor Store Flags Liquor Store cash Depot Check-X-Change Little Five Point Liquor Bim's Windsor Supermarket No. 1 Supermarket Southeast Package Store

CHECK CASHERS (O.C.G.A. 7-1-700)

CITY

STATE APPLICANT NAME

Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta At anta At anta At anta At anta At anta At anta At anta At anta At anta At anta At anta At anta At anta Augusta Augusta Augusta Augusta

GA *Jin Tae Yum

GA *Jinik Yim

GA

Joong Hyun Yu

GA *Jung B. Lim

GA

Kleem Enterprises, Ltd.

GA *Kwang-Jun No

GA *Kwon and Han, Inc.

GA *L & Y Foods, Inc.

GA *Liberty- Prosperity, Inc.

GA

Michael George Ware, Sr.

GA *Moon S. Kim

GA

N . N . B . , I nc .

GA *Nam K. Bang

GA *Natt Nwokolo

GA

Northco, Inc.

GA *Northside Beverage and Food, Inc.

GA

Northside Corp.

GA *Otis W. Weaver

GA *Park's Atlanta Avenue Grocery, Inc.

GA *Pu Sik Noh

GA

R.C.B. Inc.

GA

Randy T. Richardson

GA *Robert Soon Cho Yi

GA

Rong's Enterprises Inc.

GA

RON IR, Inc.

GA *S . V. R , I nc .

GA

Sadler Check Cashing of Atlanta, GA, Inc.

GA *Sagar, Inc.

GA *Samson's Food Center, Inc.

GA *Sang Hwa Jung

GA *Seung Woo Lee

GA *Shoppers Market, Inc.

GA *Soon Heung Chun

GA *Sung Uk Kim

GA

Tesfa Inc.

GA

Tom Howe I I & Associates, Inc.

GA *Top Business Investment, Inc.

GA

Vishal Investments, Inc.

GA

Wi I I iam Todd Corley

GA *Woo Suk Park

GA *Y & J Inc.

GA

Zemui Gebrechristos

GA

15 Moreland Corporation

GA

365 Cleveland Inc.

GA

556 Service Store, Inc.

GA *Chapparel I Package Store, Inc.

GA

Danny AI len Newman, Inc.

GA *Kenneth M. Broome

GA *Nora Dorn Freeman

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

- 85 -

TRADE NAME
Winston's Grocery Peachtree Towers Package Store DouAna Package Store Denny's Super Value Moreland Check Cashing Star Liquor Store Economy Thriftown Super Giant Food Skyland Beverage Center M & R Check Cashing Co. Oasis Curb Market Ajax Beverage Center Ryan's Super Market Alfreds and Company Brookhaven Liquor, Beer and Wine Depot Joe's Liquor Tower Beer & Wine We-See Enterprises Joe's Grocery Store Arrow Liquor Store Check-X-Change Randy's Quick Stop Danneman's Supermarket U.S.A. Package Store Benny's Package Store Charlie's Package Store Mister Money Check Casher Sagar, Inc. The Beer Shoppe J & J Grocery Family Supermarket Shoppers Super Market, Inc. Techwood Groceries Broadway Package Store Cash-A-Check Plus Money World T J's Food Mart Airport Package Store The Money Depot Financial Services King's Food Store Y & J Package Store Banks Liquor Store MW Liquors Old South Package Store 556 Package Store Chapparel I Package Store, Inc. Check-X-Change KB's Pawn Shop/OK Pawn Shop Kissingbower Road Package Shop

CHECK CASHERS (O.C.G.A. 7-1-700)

CITY

STATE APPLICANT NAME

Augusta Augusta Austell Auste I I Braselton Brunswick Brunswick Calhoun Calhoun Cami I I a Canton Carters vi I Ie Cartersvi I Ie Chamblee Chamblee Clarkston Co I 1ege Park Co I 1ege Park
Co I Iege Park College Park College Park Co I Iege Park Co I Iege Park Co I Iege Park
Co I Iege Park Co I Iege Park Co I 1ege Park Columbus Columbus Columbus Columbus Columbus Columbus Conyers Conyers Conyers Conyers Conyers Covington Covington Covington Cumming Decatur Decatur Decatur Decatur Decatur Decatur Decatur

GA

R & L Johnson, Inc.

GA *Song's Curb Market, Inc.

GA

Express Check Cashing, Inc.

GA

San ish, Inc.

GA

Phi I I ip Underwood

GA *Bluestein, Inc.

GA

Golden Isles Pharmacy, Inc.

GA

Michael Stan McEntyre

GA *Raymond J. Brown

GA

Russe I I Watson

GA *Tommy Stansel & Claude J. Stansel, Jr.

GA *Cartersvi I le Beverage Company

GA

Liberty Check Cashers of Cartersvi I le

GA

Brass Investments Inc.

GA

Jung Ho Kim

GA

Smith Nicholson Company

GA

Ashok Grover

GA

Cash N Go, Inc.

GA *Do H. Kim

GA

lshwar Enterprises, Inc.

GA *James C. Kang

GA

Lee I i n, Inc .

GA *M & K Enterprises, Inc.

GA

Metro Check Cashing, Inc.

GA

Mu Iu, Inc.

GA *Myung S. Kim

GA *The Big Enterprises, Inc.

GA

Booker and Cooper, Inc.

GA *Griggs, Inc.

GA

Hendrix Foods, Inc.

GA

Herb's Pawn Shop, Inc.

GA

James G. Watson

GA

Steve's Check Casher, Inc.

GA *Jasper's Liquor Cabinet, Inc.

GA *Kwon's Community Grocery, Inc.

GA *Lee D. Arms

GA

The Check Mart, Inc.

GA

U.S. Package Stores, Inc.

GA

Adolphus Lester, Sr.

GA *Kyung Hwan Kim

GA

MCS Investments, Inc.

GA *J i mbe I , Inc .

GA *Chul Lee

GA

Eric Paige Company, Inc.

GA *Food Castle, Inc.

GA

Glenwood Corporation

GA

H. A. Shahid & Company, Inc.

GA

Hal's Columbia, Inc.

GA

Ha I 's Liquor, Inc.

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

- 86 -

TRADE NAME 56 Package Shop Col lege Bowl Package Shop Express Check Cashing Mr. Check Casher Braselton Pawn and Check Cashing Sportsman Package Golden Isles Pharmacy Cash In A Flash J.J. 's Package Store Watson's Supermart Top Shop Cartersvi I le Beverage Company Liberty Check Cashers Two Guy's Package Store
S & s Bottle Shop
Check-X-Change Check Cashing Center Cash N Go, Inc. Best Supermarket Dollar Wise Check Cashing Camp Creek Package & Liquor Store Ki troy's Beer & Wine Stonegate Bottle Shop Metro Check Cashing Check-X-Change Short Stop Grocery Big Super Valu B & C Beverages Money Back Food Store #23 Jack's Grocery Herb's Jewelers, Inc. Check Cashers Mr. Check Casher Jasper's Liquor Cabinet, Inc. Community Grocery Arms Beverage and Package The Check Mart, Inc. U.S. Package Stores, Inc. Covington Check Cashing Johnson's Super Market The Check Mart Harry's Olde Town Bottle Shop Big H Food Store Big AI 's Beer & Wine/Glenwood Columbia Liquor Food Castle Food Store JA Liquors Check Cashing Financial Service Hal's Package Store Ha I' s Package

CHECK CASHERS (O.C.G.A. 7-1-700)

CITY

STATE APPLICANT NAME

Decatur Decatur Decatur Decatur Decatur Decatur Decatur Decatur Decatur Doravi I Ie Doravi lie Doravi lie Doraville Doravi I Ie Douglasvi lie Duluth Duluth East Point East Point East Point East Point Forest Park Forest Park Forest Park Forest Park Forest Park Forest Park Forest Park Fort Valley Gainesvi lie Griffin Hinesville Hinesville Hinesville Hi nesvi lie Jonesboro Jonesboro Kennesaw Lawrencevi lie Lawrencevi lie Lawrencevi lie Lawrencevi lie Lawrencev i I Ie LaGrange LaGrange Lilburn Lithonia Macon Macon

GA

James E. Rainey

GA

Kenneth AI len Patterson

GA *Kwong Hue Vee

GA *M & P Corp

GA *Mekedw Benbenu

GA *Ray & K, Inc.

GA

Tae S. Lee

GA

The Fleming Corp., Georgia

GA

TESHAN, Inc.

GA

M. I . A. N . I nc .

GA

Peach State Check cashing Centers, Inc.

GA

Pramit, Inc.

GA

Pr i tnea I Investments, Inc.

GA

U.S. Check Cashing Services of Georgia, Inc.

GA

5 & 20 Package Store, Inc.

GA

Anndav Corporation

GA *Legacy, Inc.

GA *ABC Thrifty Supermarket, Inc.

GA

Ba in, Inc.

GA *Chang Ki Kim

GA

Sohan Singh Tucker

GA

Express Exchange Associates, Inc.

GA

Hong Enterprises, Inc.

GA

Main Street Grocery, Inc.

GA

Sharma Corporation

GA *Sun? Won Kim

GA

Won s Inc.

GA *Zap Corporation

GA *Marshal I Young

GA *Paul H. Ahn

GA

Northside Bottle Shop, Inc.

GA

Brisco Enterprises, Inc.

GA

Lawrence Raymond Hammock

GA

Liberty Package Corporation

GA

Ms. Money Financial Services Inc.

GA *Soon Ja Choe

GA

The New Check Cashing Store

GA

Shawnee Mechnical Contractors, Inc.

GA

Danko Quik Cash, Inc.

GA

F. Thomas James- Gwinnett Check Cashers

GA

N&l Enterprises, Inc.

GA

Raymond Andrew Bradberry

GA

The Cash Exchange, Inc.

GA *Bi I ly L. Bishop

GA *Richard Fuller

GA *Billy Ray Cole

GA

Erin Young ae Lee

GA

Bo Hui Lee

GA *Charles R. Kare, Jr.

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

- 87 -

TRADE NAME
Certified Check Cashing The Check Facility and Money World #3 Col lege Inn Package Store P & N Package Store Crown Package/Ethio Liquor Ray's Liquor Store Big Man Package Store Crown Package Check Cashing Check-X-Change Tower Package Store Check-X-Change Gwinnett Convenience Store Little Farm #2 Foodmart Payrol I Services of America (PSA) 5 & 20 Package Store, Inc./Sack Em Up Bottle Shop Mob i Ie Monetary Pleasant Hi I I Package Store ABC Thrifty Supermarket, Inc. Harold's Package Lee's Drive-In Grocery Stanton Package Store Chek X Change Shopwise Beer & Wine/Hong's Liquor Main Street Grocery, Inc. Dixie Package/V.K. Liquor Parkway Grocery Parkway Bottle Shop Forest Park Bottle Shop Young's Super Foods Queen City Package Store Sam's Check Cashing Store The Money Man Sportsman Package/Party Package Liberty Square Package Ms. Money Big H Amoco The New Check Cashing Store Two Guys' 101 Package Store Danko Quik Cash, Inc. Check Changers Spur Raymond Andrew Bradberry Cash Exchange Poor Boy Grocery #2 Fuller's Superette Cole's Service Station Young's Supermarket ABC Liquor Store K's Bottle Shop

CHECK CASHERS (O.C.G.A. 7-1-700)

CITY

STATE APPLICANT NAME

Macon Macon Macon Macon Marietta Marietta Marietta Marietta Marietta Marietta Marietta Marietta Marietta Newnan Norcross Norcross Norcross Riverdale Rossville Roswe I I Savannah Savannah Savannah Savannah Savannah Savannah Savannah Savannah Savannah Savannah Smyrna Smyrna Smyrna Smyrna Smyrna Smyrna Stockbridge Stockbridge Stone Mountain Stone Mountain Sylvania Talbotton Tenn iII e Thomasvi lie Thomasvi lie Tucker Tucker Union City Valdosta

GA

Estate of Clyde F. McCook

GA

Joseph B. Kendrick

GA

Mr. Money Check Casher of Macon

GA *Westend Package Store, Inc.

GA

Anjay Corp.

GA *Chae Yong Yang

GA

Convenient Check Cashers, Inc.

GA

Joseph Colbert, Jr.

GA *Jung Ja Lee

GA

Jupiter Enterprises, Inc.

GA

Marietta Market, Inc.

GA

Michael Salomon/Bernard Cass

GA *Mohammad Shahlaie

GA *Casey Kim

GA

Community Business Center, Inc.

GA

E-Z Check Cashing, Inc.

GA

Mi nes h, Inc.

GA

Riverdale Bottle Shop, Inc.

GA

Money Exchange, Inc.

GA

EMK Group, Ltd.

GA

Alan M. Sadler

GA *AAA Beverage Center, Inc.

GA

Blake's Chevron Self Service, Inc.

GA

Harry's Liquorama, Inc.

GA

Mickey's Package Shops, Inc.

GA *Orin Cruse Inc.

GA *Stiles Avenue Quick and Package Shope

GA *Time Saver Minit Markets, Inc.

GA

Tyrone E. Shurl ing

GA

Wheaton Liquor's, Inc.

GA

A G Investments, Inc.

GA

ACE Cash Express, Inc.

GA

B & W. Management Co., Inc.

GA

Dicheve Company, Inc.

GA

Liquid Gold, Inc.

GA *Sunrise Enterprises, Inc.

GA

Chek-Express, Inc.

GA

TND, Inc.

GA *Atkinson & Atkinson Associates, Inc.

GA *Tae Mun Kim

GA

Thomas R.Biackburn

GA *Hamp' s, Inc.

GA *Martin Terry Lord

GA *Carrol I Hi I I Package Store, Inc.

GA *Subermarket Packages, Inc.

GA *JAI International, Inc.

GA

National Check Cashers Corporation

GA

A&M Enterprise Inc.

GA

AAA Cash-A-Check, Inc.

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

- 88 -

TRADE NAME Busy Corner Liquor Store Riverside Check Cashing Mister Money Check Casher Westend Package Store Dick's Package Store Mini Max Food Convenient Check Cashers, Inc. Chari ie's Beer & Wine Atlanta Road Grocery Goodtimes Beverage Center Marietta Check Cashers Mr. Happy's Check Cashing Bel Is Ferry Package Store Papa Joe's Food Store Community Business Center, Inc. E-Z Check Cashing Pop Top Package & Deli New South Package Store Check-X-Change Mob i Ie Monetary Mister Money Check Casher AAA Beverage Center, Inc. Blake's Chevron Self Service Harrys Liquorama Mickey's Package Shop Augusta Ave Package Shop C.D.C. Beverage Time Saver Desoto Grocery Check Cashing Bubba's Check Cashing Check-X-Change ACE America's Cash Express Corner Package Cash Plus Doc's Wines and Spirits One Stop Package Store Mob i Ie Monetary Stockbridge Check Cashing Smoke Rise Bottle Shoppe, Inc. Redan Package Store/TMK Jax Liquor Store Screven County Collection Agency Hamp's Inc. Sleepyfs Package Store Carrol I Hi I I Package Store, Inc. Outlet Package Stores Pardner's Two Liquor Store National Check Cashers Corporation Shannon Beverage Outlet National Check Cashing

CITY Warner Robins Waycross Waynesboro Woodstock

STATE GA GA GA GA

CHECK CASHERS (O.C.G.A. 7-1-700)

APPLICANT NAME

Tim Thomas & Pansey Thomas *Paul Boatright
Dele i g Ie Check Cashing Company, Inc. Liberty Check Cashers of GA, Inc.

TOTAL:

249

TRADE NAME Parkway Bai I Bonding Co. Edd's Package Store Delaigle Check Cashing Company, Inc. Liberty Check Cashers

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

- 89 -

SUMMARY OF ACTIVITIES OF STATE CHARTERED FINANCIAL INSTITUTIONS 1991

FINANCIAL INSTITUTION
BANKS
SAVINGS BANKS
TRUST COMPANIES
BUSINESS DEVELOPMENT CORPORATIONS
SAVINGS & LOANS BRANCH BANKS,
BANK OFFICES AND FACILITIES
CREDIT UNIONS FINANCIAL
HOLDING COMPANIES
CHECK SELLERS
CHECK CASHERS DOMESTIC
INTERNATIONAL BANKING FACILITIES
REPRESENTATIVE OFFICES OF OUT-OF-STATE BANKS
INTERNATIONAL BANK AGENCIES

OPENED

TOTALS

REGISTERED

JANUARY 1 1991 LICENSED CONVERTED

3

335

4

-1

1

1

1 2 -1

529

54

-1

125

236

12

22

2

260

62

6

40

4

23

1

ACQUIRED
24 1

MERGED -10
-1 17 -21
-9

CLOSED

LIQUIDATED

TOTALS

DEREGISTERED DECEMBER 31 , 1991

331 1 1

1

-22

580

-1

115

-15

234

-5

19

-73

249

6

-10

34

24

INTERNATIONAL BANK

REPRESENTATIVE OFFICES

7

-1

-2

4

- 90 -