Seventy-third annual report [1992]

DEPARTMENT OF BANKING AND FINANCE
STATE OF GEORGIA ATLANTA
SEVENTY-THIRD ANNUAL REPORT YEAR ENDING DECEMBER 31, 1992
****
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 ............................................... viii

Examination and District Work Area Map... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . xvi

Receipts and Disbursements .............................................. xvii

Legal Holidays .......................................................... xviii

Activities of State-Chartered Financial Institutions:

Applications for Reservation of a Name................................ 1 Notice of Change in Name.............................................. 4 Applications for Sale of Checks or Money Orders....................... 5 Applications for New Financial Institutions........................... 6 Approval of Dissolutions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Financial Institution Conversions..................................... 7 Financial Institution Mergers......................................... 8 State-Chartered Banks in Liquidation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Miscellaneous Applications............................................ 9 List of State and National Banks...................................... 10 List of State Credit Unions........................................... 22 Abstract of Reports of Condition of State and National Banks.......... 25 Comparative Statement of Earnings and Expenses of
State and National Banks........................................... 26 Abstract of Reports of Condition of State Credit Unions............... 27 Comparative Statement of Earnings and Expenses of
State Credit Unions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28

TABLE OF CONTENTS
Activities of Bank Offices, Branches, and Facilities of State-Chartered Banks: Branch Banks. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29 Applications to Establish a Bank Office, Branch, or Facility, and Permits to Begin Business............................ 33 Applications to Change Location of Main Office, Branch, Bank Office, or Bank Facility...................................... 37
Activities of Financial Holding Companies: Applications to Become a Financial Holding Company and/or to Acquire Voting Stock of a Financial Institution Acquisitions.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 40 New Formations. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1+2 Applications for Financial Holding Company Subsidiaries to Merge Across County Lines.......................... 43 Financial Holding Companies and Their Financial Subsidiaries....................................... 44
Activities of International and Domestic Banks: Domestic International Banking Facilities............................. 66 Representative Offices of Out-of-State Banks.......................... 67 International Bank Agencies........................................... 72 International Bank Representative Offices............................. 75
Sale of Checks or Money Orders Corporations.............................. 76 Georgia Credit Union Deposit Insurance Corporation
Statement of Assets and Liabilities. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 77 Receivership Liquidations................................................ 78 Check Casher Licenses Issued............................................. 79 Summary of Activities of Financial Institutions.......................... 85

HISTORY OF THE DEPARTMENT 1919 . . . . . . . . 1992
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 Investm~Ait 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 h~adcd by a Commissioner as successor to the former Superintr-n dent 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 Inst.i.tutions Code of Georgia (1974) which became effective April
1, 1975. Provisions of Title 7 of the Code of Georgia relaUng to Branch Banking and Bank Holding Companies were substantially amended effective July 1, 1976 to permit multi-hank holding companies under Departmentnl superv1 s1on. Bank holding companies have betm permitted to expand within a ten sta1;e southeastern region under the Department's superv i~sion. Licensing of Check Cashers was required in 1990.

SUMMARY OF CONDITION AND STRUCTURAL CHANGES IN FINANCIAL INSTITUTIONS DURING 1992

The financial and statistical information contained in this report has been compiled from the annual reports of condition submitted by the 326 state-chartered banks, one state-chartered trust company, 76 national banks, one national trust company, 107 state-chartered credit unions, one state-chartered savings bank, and 21 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 and who might be engaged in economic studies or might otherwise be interested in the evolution of Georgia's banking structure.

BANKING DIVISION

Year-end call reports reflect a 9.33% growth in the banking system for 1992. Total assets for the national and state-chartered banks amounted to $77,618,443,000 reflecting an increase of $6,625,804,000 over 1991 assets. Amounts do not include trust company assets.

Expansion of state-chartered banks through new banks, bank offices and facilities continued. An additional two banks and 24 banking offices and facilities opened or were acquired during 1992. Seven banks and 22 offices closed, converted or merged into national banks bringing the total of state bank offices to 582.

During 1992, the Department approved 34 applications by financial holding companies to acquire controlling interest in additional financial institutions. Sixteen of these applications were approved to establish new financial holding companies.

Twenty-three international representative offices of registered or authorized to year-end.

bank agencies and five international banks were do business in Georgia at

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.

BANKS (Continued)
THRIFT INSTITUTIONS DIVISION
CHECK CASHERS
SALE OF CHECKS ACT
OTHER INSTITUTIONS

SUMMARY OF CONDITION AND STRUCTURAL CHANGES IN FINANCIAL INSTITUTIONS DURING 1992

Articles of Amendment of Articles of Incorporation were approved for four banks to increase their authorized stock; two banks to increase/decrease their outstanding capital stock; one bank to change its par value of shares; twelve financial institutions to change names. Seven miscellaneous Articles of Amendment of Articles of Incorporation were approved. Permission was issued for eight banks to issue authorized but unissued shares through stock dividends or sales.

Credit Unions operating under state charter have

experienced steady growth during 1992.

Consolidated

financial and statistical reports of the 107

state-chartered credit unions reflect an increase in total

assets of $346,065,000 or 9.8% to a total of

$3,883,691,000. All state-chartered credit unions provide

their members with deposit protection through the National

Credit Union Administration.

Pursuant to Title 7, Article 4A of the Official Code of Georgia, the Department is charged with the responsibility to license and supervise Check Cashers. Two Hundred and twenty-eight licenses were issued at year-end.

The Department of Banking and Finance supervises the licensing of Check Sellers pursuant to the Georgia Sale of Checks Act enacted in 1965. Twenty-one companies with a total of 5,473 agents throughout the State were licensed to do business during 1992.

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

AMELIA W. BAKER . . . . . . . . . . . . . . . . . . . . . . . . . . . Legal Counsel

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

Reece V. Morris, CFE, Deputy Commissioner for Administration
Melinda G. Kinard, CFE, Director of Training, EDP Dianne Blackstone, Programmer Analyst Sophia E'lom, Computer Operator . . . . . . .
Marilyn Harris, Principal Accountant .. Renate Carroll, Accounting Technician II
Maggie Smith, Personnel Manager . . . .
Sonja Hencely, Confidential Secretary Rhoda Barcan, Senior Secretary Typist.
Wanda Hardmon, ClP~k Tr3Dscriber, Currency Transaction Reports. Merian Johnson, Clerk Transcriber, Currency Transaction Reports. Bonnie Steele, Clerk Transcriber, Currency Transaction Reports.
Henry "Hank" Tam, Storekeeper. . .

986-1640
986-1649 986-1648 986-1651
.986-1641 .986-1641
.986-1638
.986-1621 .986-1620
.986-1624 .986-1633 .986-1631
.986-1622

iv

SUPERVISORY
Bank, Thrift, Holding Company, and International Bank supervzszon, 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 Morris, Senior Secretary Typist . . . . . . .

District 2. District 4.

986-1646 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

WESTERN . . District 1.
District 5. District 3.

986-1630
986-1644 986-1659
986-1643 986-1642

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
MARIETTA 404-988-9444 CALHOUN 404-602-0415

DISTRICT AND ASSISTANT DISTRICT DIRECTORS
Jackson D. Hardy, CFE Drexel Beck, CFE

DISTRICT PERSONNEL

SENIOR EXAMINERS
Wi II iam D. Atkins, CFE Robert M. Braswell James M. Brooks, CFE James Emory

EXAMINERS
Ernest D. Coats, CFE Ronald F Furukawa Ira Goolsby Victor A. Greene Larry J. Moody
Billy c. Wi /son, Sr.

ASSISTANT AND SENIOR ASSISTANT EXAMINERS
James N. Askew Todd M. Burt Teresa H. Johnson Malcolm Keith Louis H. Otos Mark Pressler Charles D. Titshaw, J

2
STONE MOUNTAIN 404-879-0366 ATHENS 404-549-8596

David A. Hancock, CFE Tracy D. Whitesides, CPA/CFE

Princess Brown, CFE Janet Blackmon, CFE Harold J. Carney Michael G. Ki lieen, CFE Jenny L. Nevi lie, CPA/CFE Ned W. Overby Robert J. Rosentreter, CFE E. Nanette Sisk, CFE

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

Jeane P. Baulkmon Jon A. Bok ina Rongfeng "Becky" Li Mural i Ramachandran Carol A. Webb

3 COLLEGE PARK 404-559-6621

c. Douglas Peugh, CFE
Larry E. Shelley, CFE

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
vi

Hal F. Allen Mayra Barzaga

Gear ge E. Camp be I I Margaret W. Clarke J. Danny Preston

DISTRICT
4 DUBLIN 912-275-6740

DISTRICT AND ASSISTANT DISTRICT DIRECTORS
Robert H. Ca I I i er, CFE Gary F. Ford, CFE

DISTRICT PERSONNEL

SENIOR EXAMINERS

EXAMINERS

ASSISTANT AND SENIOR ASSISTANT EXAMINERS

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

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

H. Todd Gray Mark A. Smith

5 ALBANY 912-430-4407 VALDOSTA 912-333-5299

Robley S. Rigdon, CFE Larry T. Duke, CFE

Eugene S. C I i ne D. Ray Johnston Joyce R. Jones

Gregory 0. Lowe John F. Stuphin,lll, CFE Terry Tucker

R. Wayne Braswell Kay T. Green Joseph M. Mikula

6 DOUGLAS 912-383-4248 SAVANNAH 912-356-2770

R. Larry Herndon, CFE Jane Whitfield

James F. Mi lis, CFE David Widincamp Billy S. Wi I son, Jr., CFE

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

Gerald Bauman Robert Cothran Ernest R. Rodgers, Jr.

vii

CURRENT STAFF

E. D. "Jack" Dunn Commissioner

Steven D. Bridges, CFE Deputy Commissioner

Reece V. Morris, CFE Deputy Commissioner
for Administration

John B. Kline, CFE Deputy Commissioner
for Supervision
viii

David G. Sorrell, CFE Deputy Commissioner
for Supervision

Hal F. Allen

James N. Askew

William D. Atkins

Amelia W. Baker

Rhoda Barcan

Mayra Barzaga

Jeane P. Baulkmon

Gerald Bauman

Drexel Beck

Jeannie Benefield

Lori A. Binford

Janet Blackmon

Dianne Blackstone

Jon A. Bokina

Patrick T. Brabana

Vicki L. Brantley

ix

Robert M. Braswell

R. Wayne Braswell

James M. Brooks

Harry M. Brown

Princess Brown

Susan Brown

Todd M.Burt

Victoria Busby

M. Joel Byers

Ro~rt H. CaUier

George E. Campbell

Harold J. Carney

Renate Carroll

Judy Carter

Marpret W. Clarke

Euaeae s. CliDe

Ernest D. Coats

Robert Cotbraa

Larry T. Duke

JIIJDeS 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

Georgia High

xi

Michael Hooks

Teresa H. Johnson

Merian Johnson

D. Ra_y Johnston

Jo_yce R. Jones

Pamela S. K~~n~

Michael G. Killeen

Melinda G. Kinard

Rongfeng "Becky" Li

Dianne H. Lovett

Gregory 0 . Lowe

Grace M. Lorry

Dennis McNeer

Joseph M. Mikula

Hubert C. Miller

James F. Mills

xii

Larry J, Moody

Larry S. Moor

Cathy Morris

Wesley Morris

Jenny L. NeviUe

Wayne Orr

Louis H. Otos

Ned W. Overby

C. Douglas Peugh

Mark Pressler

J. Danny Preston

Murali Ramachandran

Billie L. Reed

George A. Reynolds

--.4'
., I-
. I 'f
Robley S. Rigdon

Ernest R. Rodgers, Jr.

Barry L. Rooks

Robert J. Rosentreter

Michael A. Rosser

xiii

Angela E. Ruddick

I

I
I IL

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

Emory L. Stanford

J , ~ 'I. \,.
.'" '... ~
Bonnie C. Steele

John F. Sutphin, m

Henry "Hank'' Tam

Vernon Tanner

Charles D. Titshaw, Jr.

Terry Tucker

xiv

Danny E. Watkins

Ricky Watkins

Carol A. Webb

Jane Whitfield

Tracy D. Whitesides

David T. Widincamp

Billy C. Wilson, Sr.

Billy S. Wilson, Jr.

XV

EXAMINATION DISTRICTS AND DISTRICT WORK AREAS

,PI s t r i c t
2 3 4 5 6

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

Designates District Work Areas

1992 RECEIPTS AND DISBURSEMENTS FISCAL YEAR

REVENUES COLLECTED

Bank Examination and Supervision Fees

$5,891,022.00

New Bank, Bank Office and Holding Company Investigation Fees

373,620.00

Credit Union Examination and Supervision Fees

670,137.00

Sale of Checks Investigation and License Fees

59,133.00

Building and Loan Examination,

Supervision and Investigation Fees

0

Holding Company Examination and Supervision Fees

398,305.00

International Bank Examination and Supervision Fees

77' 675. 00

Check Casher License Fee

57,017.00

Miscellaneous Fees and Fines

6,105.40

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

$5,539,729.90 78,643.03 43,276.09 13,170.36
226,809.36
101,180.90 4,976.43
25,192.04 215,908.66
85,790.63 46,786.03
4,792.91 109,028.66

Total Revenues Collected and Remitted

to Fiscal Division, Department of

Administrative Services

$7,533,014.40

Total Disbursements

$6,495,285.00

xvii

1992
LEGAL HOLIDAYS

January 1 .

January 19.

January 19.

February 22

.(Observed Third Monday in February).

April 26.

May 30.

(Observed Last Monday in May)

July 4.

First Monday in September

October 12.

.(Observed Second Monday in October).

November 11

Fourth Thursday in November

December 25 . . . .

New Year's Day Robert E. Lee's Birthday Martin Luther King, Jr.'s Birthday George Washington's Birthday Confederate Memorial Day
.National Memorial Day Independence Day Labor Day Columbus Day Veterans Day Thanksgiving Day
. . . . . . . . . . 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.

xviii

APPLICATIONS FOR RESERVATION OF A NAME

PROPOSED NAME

COUNTY

APPLICANT

Century Bank and Trust (proposed name change

Baldwin

Mr. R. B. Wise, President

The Merchants and Farmers

of Mi lledgevi le

P. 0. Box 768

Mi lledgevi lie

31061

Bank

Oconee Credit Union (proposed name change)

Baldwin

Melinda E. Piper, Manager

Baldwin Co. Hospital Employees

Credit Union

P.O. Box 1583

Mi lledgevi lie

31061

RIG Employees Credit Union (proposed name change)

Bibb

Bobby L. McGowan

Macon Kraft Employees Credit

4891 Mead Road

Macon

31206

Union

Tri State Credit Union (proposed name change)

Catoosa

Ronald E. McKelvy

Manager

Salem Carpet Credit Union

P.O. Box 10

Ringgold

30736

AmSouth Bank of Georgia (proposed bank)

Chattooga

Wi II iam H. Gaughran, Jr.

Suite 920

1901 Sixth Avenue North

Birmingham, AI

35203

Georgia Bank and Trust Company of Columbia County (proposed name change)

Columbia

Ronald Thigpen

President and CEO

First Columbia Bank

P.O. Box 211606

Martinez

30907

Centra I Bank & Trust (proposed name change)

Crisp

Mr. James J. McAlpin, Jr.

Powel I, Goldstein, Frazer

191 Peachtree Street

16th Floor

Atlanta

30303

& Murphy

PROPOSED NAME Three Rivers Credit Union
(proposed name change)
First Financial Bank (proposed bank)
AmTrade International Bank of Georgia (proposed bank)
Capitol City Bank & Trust Company (proposed bank)
CONSTAR Credit Union (proposed name change)
Gi Imer County Bank (proposed bank)
Trust Company Bank of North Georgia (proposed name change)
First Community Bank of Henry County (proposed name change)

APPLICATIONS FOR RESERVATION OF A NAME

COUNTY

APPLICANT

Decatur

Wanda A. Miller

Amoco Fabrics Company Credit Assoc.

u.s. Highway 27, North

Bainbridge

31717

DeKalb

Ms. Denise McKeown

Suther I and, Asb iII & Brennan

999 Peachtree Street

Atlanta

30309

Fulton

Michael D. Golden

Arnal I Golden & Gregory

55 Park Place

Atlanta

30303

Fulton

George G. Andrews
2088 West Cedar Lane, sw

Atlanta

30311

Fulton

Jack R. Ha I I eck, President/Manager

Sewe I I Emp Ioyees' Credit Union

445 Great Southwest Parkway

Atlanta

30336

Gi Imer

Johnny R. Myers

1924 Nantucket Drive

Woodstock

30188

Ha I I

John HoI I i ster Senior Attorney SunTrust Banks, P.O. Box 4418 Atlanta

Inc. 30302

Henry

Jerald L. Ikner

Founders Guaranty Bank

12 North Cedar Street

McDonough

30253

2

APPLICATIONS FOR RESERVATION OF A NAME

PROPOSED NAME

COUNTY

APPLICANT

Farmers and Merchants Bank of Irwin County (Proposed bank)

Irwin

Daniel J. Fritze Attorney P.O. Box 11070 Columbia, SC

29211

Golden Isles Credit Union (proposed name change)

Jeff Davis

Evelyn Swain

Patchogue-Plymouth Employees

Credit Association

Alma Road

Hazlehurst

31539

Jeff Davis Credit Union (proposed name change)

Jeff Davis

Ms. Ga i I Davis

Patchogue-Plymouth Employees

Credit Association

Alma Road

Hazlehurst

31539

Petro Bank (proposed credit card bank)

Muscogee

Kathleen Moates Synovus Financial P.O. Box 120 Columbus

Corp. 31902

Synovus Credit Card Bank (proposed credit card bank)

Musco gee

Kathleen Moates Synovus Financial 901 Front Avenue Suite 301 Columbus

Corp. 31901

Total Bank (proposed credit card bank)

Muscogee

Kathleen Moates Synovus Financial P.O. Box 120 Columbus

Corp. 31902

First Community Bank (proposed name change)

Toombs

Kathryn L. Knudson

Powell, Goldstein, Frazer & Murphy

191 Peachtree Street N.E.

Sixteenth Floor

Atlanta

30303

3

APPLICATIONS FOR RESERVATION OF A NAME

PROPOSED NAME

COUNTY

APPLICANT

First Community Bank of Vidalia (proposed name change)

Toombs

Shei Ia A. Burks

Powell, Goldstein, Frazer & Murphy

191 Peachtree Street N.E.

Atlanta

30303

Towns County Bank (proposed name change)

Towns

F. Sheffield Hale

Ki I patrick & Cody

1100 Peachtree Street

Atlanta

30309

Broadstreet International Bank of Georgia (proposed bank)

Unknown

John L. Gorna I I, Jr.

Arna I I Go I den & Gregory

55 Park Place

Atlanta

30335

PREVIOUS NAME
Sewel I Employees' Credit Union Atlanta
Amoco Fabrics Company Credit Association Bainbridge
HomeTrust Bank of Georgia Ga i nesv i I I e
Mountain Bank of Georgia Hiawassee
Commercial Exchange Bank Kennesaw
Macon Kraft Employees Credit Union Macon

NOTICE OF CHANGE IN NAME NEW NAME CONSTAR Credit Union Three Rivers Credit Union Trust Company Bank of North Georgia Towns County Bank First Alliance Bank RIG Employees Credit Union
4

APPROVAL DATE
3-04-92 10-23-92 12-28-92 12-04-92
8-22-91 8-17-92

EFFECTIVE DATE
3-06-92 11-28-92
12-08-92 1-31-92 8-19-92

PREVIOUS NAME
First Columbia Bank Martinez
Baldwin County Hospital Employee's Credit Union
Mi lledgevi lie
Merchants and Farmers Bank of Mi I I edgev i I I e Mi lledgevi lie
Clayton County Bank & Trust Company Riverdale
Bank of Thomson Thomson
Brice Banking Company, Inc. Vida I i a

NOTICE OF CHANGE IN NAME NEW NAME Georgia Bank & Trust Company of
Columbia County Oconee Credit Union
Century Bank and Trust
Peach State Bank
Allied Bank of Georgia
First Community Bank of Vidalia

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

COMPANY NAME

CITY

Barnett Check Services, Inc.

Jacksonvi I I e FL 32256

Universal Money Orders, Inc.

Dalton

GA 30721

Eagle Express Money Order

Savannah

GA 31406

Racetrac Petroleum, Inc.

Smyrna

GA 30082

Comdata Network Inc., of California

Brentwood

TN 37027

APPROVAL DATE
12-28-92 12-29-92
5-11-92 1-07-92 9-24-91 12-23-92

EFfECTIVE DATE
12-31-92
5-14-92 1-07-92 1-24-92 12-23-92

APPROVAL DATE
6-02-92 Disapproved
9-14-92 5-21-92 11-12-92

5

APPLICATIONS FOR NEW FINANCIAL INSTITUTIONS

FINANCIAL INSTITUTION

AmTrade International Bank of Georgia

127 Peachtree Street, NE

Atlanta

30303

Capitol City Bank & Trust Company

562 Lee Street, S.W.

Atlanta

30310

First Financial Bank

3 Corporate Square

Atlanta

30329

Central Carol ina Bank-Georgia

33 West 11th Street

Columbus

31901

Farmers and Merchants Bank of Irwin County

202 South Irwin Street

Oc i I I a

31774

AmSouth Bank of Georgia

10 1 East Washington Avenue

Summerv i I Ie

30747

CAPITALIZATION $ 9,500,000 $ 6,000,000 $ 3,750,000 $ 6,000,000 $ 3,400,000
s 3,000,000

APPROVAL DATE
9-11-92
8-13-92
11-24-92
1-22-92
Disapproved
12-31-92

BEGIN BUSINESS
DATE

6

APPROVAL OF DISSOLUTION

FINANCIAL INSTITUTION
International Trade Bank of Atlanta Atlanta
Reliance Credit Union Atlanta
Southern Freight Bureau Employees Credit Union Atlanta
Bu I I dog Trucking Emp I oyees Credit Union Carnesville
The Community Bank of Forsyth County Cumming

PREVIOUS NAME
Piedmont Hospital Credit Union Atlanta
Centra I Savings Bank, FSB Cordele
United Bank of Griffin, FSB Griffin
Citizens Federal Savings Bank of Rome Rome

FINANCIAL INSTITUTION CONVERSIONS CONVERTED TO Piedmont Hospital Federal Credit Union Central Bank & Trust United Bank of Griffin Citizens First Bank

APPROVAL DATE
9-23-92 10-16-92
2-11-91 7-25-91 11-18-92
APPROVAL DATE N/A
Pending 9-19-91 2-25-92

EFFECTIVE DATE
9-24-92
2-13-92 9-02-92 11-19-92
EFFECTIVE DATE
5-08-92
1-01-92 5-04-92

7

FINANCIAL INSTITUTION MERGERS

FINANCIAL INSTITUTION (SURVIVOR)
Associated Credit Union Atlanta
Mutual Savings Credit Union Atlanta
Powerco Federal Credit Union Atlanta
The Federal Employees Credit Union Atlanta
The Thrift Credit Union Atlanta
The First National Bank of Haralson County Buchanan
Calhoun First National Bank Calhoun
Commercial Exchange Bank Kennesaw
Bank of Thomson Thomson
First Railroad Community Federal Credit Union
Waycross
First Ra i I road Community Feder a I Credit Union
Waycross

MERGED INSTITUTION
Fashion Star Employees Credit Union Carrollton
Chattanooga Gas Company Credit Union Chattanooga, TN
Savannah Electric & Power Employees Credit Union
Savannah
Rock-Tenn Company Employees Credit Union Norcross
Southern St. John Federal Credit Union Jacksonv i I I e, FL
Commercial Bank Ta I I apoosa
Peoples Bank of Bartow County Cartersv i I Ie
First Peoples Bank of Cobb County Marietta
Bank of Columbia County Harlem
P.H.P Credit Association Fitzgerald
Family Lines Credit Union of Savannah Savannah

8

APPROVAL DATE
7-17-92 12-16-92
N/A
6-19-92 10-14-92
N/A N/A 8-22-91 9-24-91 N/A
N/A

EFFECTIVE DATE
9-29-92
11-01-92
7-31-92 10-01-92
6-12-92 12-31-92
1-31-92 1-24-92 7-15-92
2-28-92

STATE-CHARTERED BANKS IN LIQUIDATION

NAME OF BANK
The Citizens Bank, Dallas, Georgia
Unpaid Claims due FDIC. Estimated Value of Remaining Assets

LOCATION Da I I as

DATE CLOSED 1-10-92

DEPOSITORY
NA
$25,405,890 $ 8,373,496

First Community Bank of Cherokee
Unpaid Claims due FDIC. Estimated Value of Remaining Assets

Woodstock

3-31-92

NA
$13,678,657 $10,643,304

MISCELLANEOUS APPLICATIONS

NAME OF BANK Athens First Bank &
Trust Company Georgia Credit Union Deposit
Insurance Corporation Citizens Bank
Central Gwinnett Bank
Central Gwinnett Bank
Frederica Bank & Trust
The Southside Bank & Trust Company

LOCATION Athens Atlanta Cairo Norcross Norcross St. Simons Island
Union City

NATURE OF APPLICATION
Exercise Limited Fiduciary Powers
Changes Membership Fee Structure
Directors' Liabi I ity Indemnification
Exercise Limited Fiduciary Powers
Exercise Limited Fiduciary Powers
Exercise Limited Fiduciary Powers
Deletes Articles 7 and Adds new Article 7

APPROVED 4-06-92
11-20-92 8-12-92 7-01-92
Rescinded
10-30-92 8-07-92

9

STATE AND NATIONAL BANKS

CITY
Abbevi I I e Abbevi I I e Adairsvi I Ie Adel Adel Ai I ey A I amo Alapaha Albany Albany Albany Albany AI Ien town Alma Alma Alpharetta Americus Americus Ar I i ngton Ashburn Ashburn Athens Athens Athens Athens Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta

COUNTY
Wi I cox Wi I cox ~a. tow 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 Fulton Fulton Fulton DeKalb

- NAM- E - OF -BA- NK
Dorsey State Bank Wilcox County State Bank *Bank of Adairsvi lie 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. *First Union National Bank of Georgia *Georgia Bankers Bank Paces Bank & Trust ReI i ance Trust Company

*Member of Federal Reserve System

**Amounts are in thousands as of 12-31-92

10

BEGIN BUSINESS DATE
10-04-1972 4-22-1952 3-24-1899 3-01-1929 1-15-1948 3-01-1926 1-17-1945 3-25-1905 5-29-1991 3-31-1961 8-31-1970
11-01-1945 9-15-1941
10-14-1939 5-01-1951 1-18-1985 3-25-1937
10-28-1974 3-01-1936 7-00-1900 8-06-1990 5-00-1929
11-01-1949 1-04-1988 -1866
12-07-1909 7-10-1918 8-17-1921 6-20-1988
12-07-1987 6-11-1911 3-06-1970 1-31-1986
12-18-1989 7-01-1981

TOTAL **ASSETS
4,862 24,724 26,582 44,339 36,364 48,719 17 '491 37,968 30,471 320,173 146,038 388,837 23,384 37,469 69,657 45,806 75,727 163,167 17 '940 78,318 53,434 494,348 80,349 61,663 308,856 4,027,615 691,784 126,987 101,241 43,717 153,238 4,188,802 145,920 20,411
3,514

STATE AND NATIONAL BANKS

CITY
Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Augusta Augusta Bainbridge Bainbridge Ba I I Ground Barnesvi lie Barnesvi lie Barwick Baxley Blackshear Blackshear Blairsvi le Blairsville Blakely Blakely Blue Ridge Braselton Broxton Brunswick Brunswick Brunswick Brunswick Buchanan Buford

COUNTY
Fulton Fulton 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 Jackson Coffee Glynn Glynn Glynn Glynn Haralson Gwinnett

- NAM-E - OF -BAN-K
*SouthTrust Bank of Georgia, N.A. *SouthTrust Estate and Trust Company of Georgia, NA
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 Barnesvi lie 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 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

BEGIN BUSINESS DATE
7-00-1957 5-01-1992 7-03-1973 4-01-1986 6-01-1987 11-04-1987 9-04-1945 3-10-1988 11-08-1891 10-23-1987
-1865 8-28-1989 8-10-1871 4-01-1991 10-07-1974 10-01-1926 4-02-1902 6-01-1972 6-01-1967 7-01-1966 8-05-1946 7-07-1892 1-04-1982 3-01-1950 4-28-1941 5-15-1937 8-01-1986 12-18-1948 9-01-1966
-1889 6-01-1950 7-02-1990
-1894 3-04-1909 12-13-1984

*Member of Federal Reserve System

**Amounts are in thousands as of 12-31-92

11

TOTAL **ASSETS
1,977,096
245,709 45,750
149,592 1,277,906
77,241 9,670,227
39,769 10,347,454
76,030 377,027
69,462 57,345 71,338 57,607 54,802
5,057 30,561 61 '344 37,879 44,918 172' i74 38,065 53,973 63,736
5,534 19,367 184,071 132,603 34,792 367,300 101,163 66,011

STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Butler Byron Cadwel Cairo Cairo Cairo Calhoun Calhoun Cam i 1 1a Cam i I I a Canton Canton Canton Carnesvi lie Carro I Iton Carro I I ton Carro I Iton Cartersvi lie Cartersvi lie Cave Spring Cedartown Chatsworth Chatsworth Chester Chickamauga Clarkesvi lie Claxton Claxton Clayton Clayton Clayton Cleveland Cleveland Cobbtown Cochran

Taylor Peach Laurens Grady Grady Grady Gordon Gordon Mitchel Mitchel Cherokee Cherokee Cherokee Franklin Carrol Carrol Carrol Bartow Bartow Floyd Polk Murray Murray Dodge Walker Habersham Evans Evans Rabun Rabun Rabun White White Tattnal Bleck ley

The Citizens State Bank Middle Georgia Bank Farmers State Bank Cairo Banking Company Citizens Bank *First National Bank of Grady County *First National Bank of Northwest Georgia Georgia Bank & Trust Bank of Cami I I a 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 Carro I Iton *West Georgia National Bank of Carrollton Bartow County Bank First Community Bank & Trust Bank of Cave Spring *The First National Bank of Polk County Cohutta Banking Company *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

*Member of Federal Reserve System

**Amounts are in thousands as of 12-31-92

12

BEGIN BUSINESS DATE
9-04-1926 2-04-1963 8-23-1972 11-23-1903 1-01-1904 6-19-1918 1-12-1905 2-15-1988 1-02-1890 5-24-1913 12-18-1892 1-29-1927 10-22-1990 8-01-1960 7-01-1947 6-15-1988 9-16-1946 3-28-1974 10-23-1989 6-15-1967 1-01-1920 1-24-1906 8-18-1975 9-26-1966 5-10-1910 5-00-1904 2-24-1941 9-03-1940 7-01-1904 3-05-1990 10-10-1975 11-17-1986 10-29-1976 6-24-1970 1-05-1922

TOTAL **ASSETS
29,488 76,988 45,765 73,441 18,118 74,478 172,414 76,981 46,598 56,274 193,306 212,576 28,936 55,655 184,420 37,476 127,866 74,293 37,682 14,265 75,584 125,973 51,198 27,445 40,623 150,272 66,505 33,174 109,342 29,391 48,241 96,991 76,848
6,891 67,614

STATE AND NATIONAL BANKS

CITY
Cochran Colquitt Columbus Columbus Columbus Columbus Columbus Columbus Columbus Comer Commerce Commerce Conyers Coolidge Cordele Cordele Cornelia Cornelia Covington Covington Crawford Crawfordvi lie Cumming Cumming Cuthbert Dahlonega Dahlonega Dallas Dalton Dalton Danielsvi lie Darien Dawson Dawson Dawsonvi lie

COUNTY
Bleck ley Mi II er Musco gee Musco gee Muscogee Musco gee Musco gee Musco gee Musco gee Madison Jackson Jackson Rockdale Thomas Crisp Crisp Habersham Habersham Newton Newton Oglethorpe Ta I i aferro Forsyth Forsyth Randolph Lumpkin Lumpkin Paulding Whitfield Whitfield Madison Mcintosh Terre I I Terre I I Dawson

-NAM-E -OF -BAN-K
The Citizens Bank of Cochran The 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 *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 First National Bank of Paulding County Dalton/Whitfield Bank & Trust Hardwick Bank & Trust Company Bank of Danielsvi lie Southeastern Bank Bank of Dawson Bank of Terre I I Dawson County Bank

*Member of Federal Reserve System

**Amounts are in thousands as of 12-31-92

13

BEGIN BUSINESS DATE
7-01-1942 10-19-1973 12-00-1934
4-01-1889 7-29-1991 4 ... 20-1989 11-20-1989
-1892 3-26-1990 10-10-1935 8-25-1892 1-01-1904 1-06-1989 11-20-1911 6-15-1927 1-03-1939 8-04-1900 9-15-1979 8-28-1963 4-10-1901 9-05-1924 1-02-1948 10-08-1986 7-23-1984 1-02-1959 5-27-1914 12-14-1982 2-01-1922 4-30-1990 2-20-1922 1-15-1908 1-24-1889 7-01-1911 5-01-1936 7-13-1953

TOTAL **ASSETS
37,410 36,859 314,739 1,265,908 101,602 54,520 83,485 336,295 28,464 36,375 39,285 110,720 31 '94 7 10,902 79,803 70,082 132,124 108,207 111,845 173,269 34,842 15,657 46,642 101,451 34,232 128,786 28,588 156,039 78,122 248,105 44,093 204,849 56,915 66,046 46 '779

STATE AND NATIONAL BANKS

CITY
Dawsonv i I Ie Decatur Decatur Dexter Donalsonvi le Donalsonvi le Douglas Douglas Douglas Douglasvi le Douglasvi le Douglasvi le Dub I in Dub 1 in Dudley Duluth Duluth East Point Eastman Eastman Eatonton Eatonton Edison Elberton Elberton E I Iavi I Ie E I I i jay E I I i jay Evans Fairburn Fayettevi lie Fayettevi lie Fitzgerald Fitzgerald Forsyth

COUNTY
Dawson DeKalb DeKalb Laurens Seminole Seminole Coffee Coffee Coffee Douglas Douglas Douglas Laurens Laurens Laurens Gwinnett Gwinnett Fulton Dodge Dodge Putnam Putnam Calhoun Elbert Elbert Schley Gi Imer Gi Imer Columbia Fulton Fayette Fayette Ben Hi I I Ben Hi I I Monroe

- NAM- E - OF -BAN-K
First Community Bank of Dawsonvi lie 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 Commercia I Bank Farmers and Merchants Bank 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 *First South Bank of Ben Hi I I County, N.A. The Bank of Fitzgerald Monroe County Bank

*Member of Federal Reserve System

**Amounts are in thousands as of 12-31-92

14

BEGIN BUSINESS DATE
4-22-1991 12-15-1987
2-12-1974 2-01-1967 12-16-1938 9-24-1925 7-01-1931 9-23-1991 7-05-1945 10-06-1987 6-24-1974 5-01-1942 7-06-1910 10-02-1958 11-00-1905 4-16-1984 6-01-1989 3-25-1988 1-02-1919 4-01-1949 11-15-1922 5-01-1944
-1904 3-12-1934 1-02-1928 9-16-1910 8-29-1974 6-01-1914 10-07-1988
-1902 3-13-1906 8-06-1990 10-30-1992 4-15-1976 10-15-1908

TOTAL **ASSETS
24,554 40,800 281,601 23,789 37,217 33,608 49 '924 22,285 116,618 43,829 41 '620 129,715 173,470 72,269 35,127 72,657 29,138 60,388 75,570 60,981 61,873 49,235 37,101 116,156 101,043 26,897 46,035 107,952 52,673 68,960 97,180 41,993 20,008 86,218 32,054

STATE AND NATIONAL BANKS

CITY
Forsyth Fort Oglethorpe Fort Valley Fort Valley Franklin Gainesvi le Gainesvi le Gainesvi le Gainesvi le Gainesvi le Gainesvi le Gibson Glennvi le Glennvi le Gordon Gray Gray Greensboro Greensboro Greenvi lie Griffin Griffin Griffin Haddock Hahira Hahira Hartwel Hawkinsvi lie Hawkinsvi lie Hazlehurst Hiawassee Hiawassee Hinesvi le Hi nesvi lie Hiram

COUNTY
Monroe Catoosa Peach Peach Heard Ha I I Hal Hal Hal Hal Hal Glascock Tattnall Tattnall Wilkinson Jones Jones Greene Greene Meriwether Spalding Spalding Spalding Jones Lowndes Lowndes Hart Pulaski Pulaski Jeff Davis Towns Towns Liberty Liberty Paulding

- NAM-E - OF -BA- NK
The Farmers Bank Capital Bank *First South Bank, N.A. The Citizens Bank The Bank of Heard County Gainesvi lie Bank & Trust *Georgia First Bank *Lanier National Bank The Citizens Bank *The First National Bank of Gainesville Trust Company Bank of North Georgia Bank of Gibson First Citizens Bank The Glennvi lie Bank and Trust Company The Gordon Bank Bank of Gray *First South Bank of Jones County, N.A. Citizens Union Bank The Central and Southern Bank of Greensboro The Greenv i I Ie Banking Company *First National Bank of Griffin The Bank of Spalding County United Bank of Griffin Jones County Bank Citizens Community Bank Commercial Banking Company Bank of Hartwe I I Planters Bank The Pulaski Banking Company Bank of Hazlehurst Bank of Hiawassee *Towns County Bank The Coastal Bank The Hinesvi lie Bank Community Trust Bank

*Member of Federal Reserve System

**Amounts are in thousands as of 12-31-92

15

BEGIN BUSINESS DATE
-1910 8-07-1964 10-15-1924 1-01-1907 10-18-1905 2-01-1988 3-25-1985 8-01-1989 6-00-1913
-1889 -1957 11-27-1905 1-04-1943 1-18-1905 8-01-1946 8-28-1909 10-30-1992 4-01-1946 10-14-1926 -1891 5-12-1933 12-05-1986 8-00-1927 7-25-1905 2-21-1927 4-05-1945 11-09-1961 3-00-1896 8-27-1949 10-00-1906 7-21-1909 12-08-1984 7-09-1970 11-15-1911 2-02-1988

TOTAL **ASSETS
38,512 58,614 95,270 48,671 32,572 73,518 64,396 46,546 99,521 898,904 309,490
6,928 38,876 52,981 26,808 58,212
8,408 78,954 53,454 16,349 142,980 48,940 71,062
3,839 34,156 23,190 50,357 51,811 46,937 40,070 89,865 19,458 69,912 108,661 54,710

STATE AND NATIONAL BANKS

CITY
Hogansv i I Ie Homer Homervi I Ie Irwinton Jackson Jasper Jasper Jasper Jefferson Jeffersonvi lie Jesup Kennesaw Kingsland Lakeland Lavonia Lavonia Lawrencev i I Ie Lawrencev i I Ie Lawrencev i I Ie Lafayette LaGrange LaGrange Leary Lenox Lincolnton Lithonia Lithonia Loganvi Je Louisvi lie Louisvi lie Lumber City Lumpkin Lyons Mableton Macon

COUNTY
Troup Banks
c 1inch
Wilkinson Butts Pickens Pickens Pickens Jackson Twiggs Wayne Cobb Camden Lanier Franklin Frank I in Gwinnett Gwinnett Gwinnett Walker Troup Troup Calhoun Cook Lincoln DeKalb DeKalb Walton Jefferson Jefferson Telfair Stewart Toombs Cobb Bibb

-NAM-E -OF -BA- NK
The Citizens Bank Bank of Banks County Empire Banking Company Wi I k i nson County Bank Mcintosh State Bank Crescent Bank and Trust Company Jasper Banking Company Pickens County Bank *The First National Bank of Jackson County Peoples State Bank *Wayne National 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 Loganvi lie 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

*Member of Federal Reserve System

**Amounts are in thousands as of 12-31-92

16

BEGIN BUSINESS DATE
12-11-1961 12-28-1974
6-01-1945 7-16-1907 9-18-1964 8-14-1989 3-12-1945 6-18-1977 1-01-1908 12-10-1969 9-26-1990 5-14-1990 10-27-1971
-1907 9-23-1940 10-10-1988 7-27-1990 4-21-1988 7-17-1905
-1899 9-15-1941 12-15-1984 1-03-1966 6-25-1907 12-02-1911 4-26-1989
-1910 10-05-1946
6-13-1988 1-01-1902 7-02-1945 12-00-1911 6-01-1935 4-28-1986 7-15-1988

TOTAL **ASSETS
24,012 48,316 42,517 20,419 63,572 30,762 95,850 44,590 46,886 1 1 , 799 18,361 38,394 1 1, 752 69,085 59,195 30,438 42,445 62,687 191,172 98,663 110,842 24,930
6,997 14,230 43,839 25,950 48,737 24,153 14,654 78,502 10,383 24,678 35,695 57,856 63,281

STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Macon Macon Madison Madison Manchester Marietta Marietta Marietta Marietta Marietta Martinez McDonough McRae McRae Metter Metter Mi ian Mi lledgevi le Mi I I edgev i le Mi lledgevi le Mi I ledgevi le Mi I I en Mi II en Molena Monroe Monroe Monticello Morrow Moultrie Moultrie Mount Vernon Nashvi lie Nashvi lie Newington Newnan

Bibb Bibb Morgan 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 Coweta

*Security National Bank *Trust Company Bank of Middle Georgia, N.A.
Bank of Madison Bank of Morgan County F & M Bank and Trust Company Charter Bank and Trust Co. Cobb American Bank and Trust Company First AI I i ance Bank *First North American National Bank Georgia Security Bank
*Georgia Bank & Trust Company of Columbia County
Founders Guaranty Bank The Merchants & Citizens Bank The Security State Bank Metter Banking Company Pineland State Bank Bank of Mi I an Century Bank and Trust Exchange Bank *First National Bank of Baldwin County The Central & Southern Bank of Georgia Bank of Mi lien Ogeechee Va I I ey 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 Bank of Coweta

*Member of Federal Reserve System

**Amounts are in thousands as of 12-31-92

17

BEGIN BUSINESS DATE
11-03-1988 9-12-1912 1-01-1890
10-01-1898 2-21-1948 2-03-1989 4-17-1987 7-29-1985
11-19-1990 8-15-1988 6-01-1984 8-04-1984 3-28-1929 8-23-1972 8-26-1935
10-15-1962 10-00-1906
3-00-1898 6-01-1903 7-03-1989 10-13-1884 3-01-1893 1-07-1974 3-00-1899
-1891 8-15-1988 2-10-1964 3-08-1990 10-01-1971 1-03-1928 1-24-1901 3-00-1943 7-15-1924 8-14-1919 10-06-1972

TOTAL **ASSETS
57,178 547,785
42,313 34,655 24,987 60' 140 77,898 88,850 81 J 7 36 41,570 56,131 29,956 37,426 25,578 67,951 26,867 16,661 93,311 92,298 37,501 228,750 36,289 21 , 401 14,782 108,647 22,237 31,855 42,171 78,579 182,568 24,990 47,844 33,837 17 J 707 132,871

STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Newnan Newnan Newton Norcross Norcross Norcross Oc i I I a Oc i I I a Omega Patterson Peachtree City Peachtree City Pearson Pelham Pembroke Perry Perry Pine Mountain Pineview Pitts Powder Springs Quitman Quitman Reidsvi lie Reynolds Richmond Hi I I Rincon Ringgold Riverdale Riverdale Roberta Roche I Ie Rockmart Rome Rome

Coweta Coweta Baker Gwinnett Gwinnett Gwinnett Irwin Irwin Tift Pierce Fayette Fayette Atkinson Mitchell Bryan Houston Houston Harris Wi I cox Wi I cox Cobb Brooks Brooks Tattnal Taylor Bryan Effingham Catoosa Clayton Clayton Crawford Wi I cox Polk Floyd Floyd

*First South Bank of Coweta County, N.A. The Bank of Newnan Baker County Bank Central Gwinnett Bank First Gwinnett Bank
*First Security National Bank The Bank of Oci I Ia, Georgia The First State Bank of Oc iII a 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 Tattna I I Bank The Citizens State Bank Bryan Bank & Trust Effingham Bank & Trust Northwest Georgia Bank Peach State Bank Tara State Bank United Bank of Crawford Roche I Ie State Bank United Bank & Trust Company Citizens First Bank First Rome Bank

*Member of Feder.al Reserve System

**Amounts are in thousands as of 12-31-92

18

BEGIN BUSINESS DATE
10-30-1992 11-23-1987 10-15-1906
8-24-1987 11-30-1987
6-25-1985 10-01-1956
6-01-1943 1-02-1968 6-19-1907 11-03-1989 9-11-1986 5-12-1945 12-08-1936 2-11-1938 9-14-1987
-1889 7-09-1990 9-20-1910 6-00-1906 1-11-1990 12-31-1888 8-25-1934 10-22-1900 9-08-1922 12-27-1989 3-14-1988 8-00-1904 10-04-1989 3-17-1984 1-08-1901 8-01-1947 1-16-1990 1-0i-1911 10-03-1988

TOTAL **ASSETS
19 '922 45,789 18,288 41,573 43,706 38,775 34,489 32,002 77 '0 11 28,952 52,136 73,780 15,434 39,237 45,368 51,641 48,927 28,222 12,514 20,837 53,663 33,978 35,646 34,439 23,763 34,989 22,241 141,847 35,094 67,243 26,338 15,012 21,616 128,583 97,752

STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Rome Rome Rossvi I le Roswe I I Roswe I I Roswe I I Royston Sandersvi lie Sandersv iII e Sandy Springs Sardis Savannah Savannah Savannah Savannah Savannah Senoia Smyrna snellville Snellville Social Circle Soperton Sparta Sparta Springfield St Simons Island St. Marys Stapleton Statesboro Statesboro Statesboro Statesboro Stockbridge Stockbridge Summerv i I I e

Floyd Floyd Walker Fulton Fulton Fulton Franklin washington Washington Fulton Burke Chatham Chatham Chatham Chatham Chatham Coweta Cobb Gwinnett Gwinnett Walton Treutlen Hancock Hancock Effingham Glynn Camden Jefferson Bu I I och Bu I I och Bulloch Bulloch Henry Henry Chattooga

The Georgia State Bank of Rome *Trust Company Bank of Northwest Georgia, N.A.
Rossvi lie Bank *Milton National Bank
Monogram Credit Card Bank of Georgia The Northside Bank & Trust Company Tri-County Bank of Royston 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 Frederica Bank & Trust *First National Bank Bank of Stapleton Eagle Bank and Trust Farmers & Merchants Bank First Bulloch Bank & Trust Company Sea 1s I and Bank *The First National Bank of Henry County The First State Bank Farmers & Merchants Bank

*Member of Federal Reserve System

**Amounts are in thousands as of 12-31-92

19

BEGIN BUSINESS DATE
1-05-1978 -1977
12-13-1963 1-18-1992 6-27-1988 7-13-1987 9-01-1941 5-03-1965 3-18-1957 6-01-1984 7-02-1945 4-30-1985 -1887 6-04-1947 8-22-1990 -1889 -1889
12-23-1985 3-22-1988 1-22-1990 3-08-1924 -1903 9-05-1904 6-01-1967
12-07-1989 12-12-1988
7-10-1989 -1916
2-20-1991 2-17-1948 4-14-1934
-1901 12-11-1990 10-08-1964
2-06-1926

TOTAL **ASSETS
96,751 244,280
78,750 16,678 1,292,487 103,321 77,757 52,953 69,284 143,341 22,506 49,899 14,224,969 17 '858 55,386 437,844 24,985 61,419 45,453 35,352 39,644 31,323 46 ' 135
7 '431 17,857 34,601 28,513 15,495 34,889 64,713 163,832 146,745 22,019 140,192 112,183

STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Summerv i I le swainsboro Swainsboro swainsboro Sylvania Sylvester Sylvester Talbotton Thomaston Thomaston Thomas vi I I e Thomas vi I Ie Thomson Thomson Tifton Tifton Tifton Toccoa Toccoa Toccoa Trenton Trenton Tucker Tucker Twin City Union City Union Point Uvalda Valdosta Valdosta Valdosta Vida I i a Vida I i a Vienna Vienna

Chattooga Emanuel Emanuel Emanuel Screven Worth Worth Talbot Upson Upson Thomas Thomas McDuffie McDuffie Tift Tift Tift Stephens Stephens Stephens Dade Dade DeKalb DeKalb Emanuel Fulton Greene Montgomery Lowndes Lowndes Lowndes Toombs Toombs Dooly Dooly

*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 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. 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 Darby Bank and Trust Company First Community Bank of Vidalia Bank of Dooly Citizens Bank

*Member of Federal Reserve System

**Amounts are in thousands as of 12-31-92

20

BEGIN BUSINESS DATE
5-22-1968 3-01-1965 11-09-1920
-1900 3-01-1946 6-22-1981 7-00-1898 1-13-1891 10-01-1951 4-15-1974 7-22-1916 1-20-1967
-1891 1-09-1989 2-24-1937 4-15-1948 4-18-1988 7-23-1984 9-01-1911 3-16-1951 1-12-1956 1-18-1988 8-05-1991 8-02-1988 7-05-1935 10-31-1988 9-06-1911 5-16-1966 3-00-1906 6-28-1971 8-06-1990 7-01-1934 10-14-1965 7-30-1976 7-01-1931

TOTAL **ASSETS
27' 158 68,761 58,225 43,331 58,037 23,778 43,225 14,152 102,557 51,619 174 '268 20,540 249,553 38,282 94' 117 58,119 52,408 14,916 77 '077 84,745 46,782 39,043 27,185 64,968 37,707 43,949 43,591 50,309 146,589 105,818 32,060 54,510 3 1 '482 33,185 64,676

STATE AND NATIONAL BANKS

CITY
Vi I I a Rica Wadley Warner Robins Warrenton Washington Watkinsvi I le Watkinsvi lie Waycross Waynesboro West Point Wi I I acoochee Winder Winder Wintervi le Woodbury Woodland Woodstock Woodstock Wrens Wrightsvi le Zebulon

COUNTY
Carroll Jefferson Houston Warren Wi I kes Oconee Oconee ware Burke Troup Atkinson Barrow Barrow Clarke Meriwether Talbot Cherokee Cherokee Jefferson Johnson Pike

NAME OF BANK
Bank of Vi I I a Rica Bank of Wad I ey 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 National Bank of Cherokee *North Georgia National Bank First State Bank Bank of Wrightsvi lie United Bank of Pike

BEGIN BUSINESS DATE
5-00-1899 1-00-1902 1-04-1985 4-00-1902 3-14-1950 8-12-1985 2-01-1960 6-01-1988 1-01-1905 1-13-1906 1-15-1952 12-15-1987 10-30-1926 10-25-1985 9-29-1902 11-25-1907 11-27-1989 7-30-1990 7-06-1964 2-16-1897 1-31-1905

TOTAL **ASSETS
56,844 23,053 123,086 24,886 99,895 32,162 78,207 56,637 47.153 94,325 17,687 47,389 90,577 22,397 15,078 19,262 41,495 37,338 36,364 39,409 58,990

*Member of Federal Reserve System

**Amounts are in thousands as of 12-31-92

21

STATE-CHARTERED CREDIT UNIONS

CITY

COUNTY

NAME OF CREDIT UNION

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 Augusta Augusta Augusta Bainbridge Baldwin

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 DeKalb Fulton Fulton Fulton Richmond Richmond Richmond Decatur Banks

Albany Federal Employees Credit Union Dairy-Pak Athens Credit Union Educators' Credit Union Georgia Power Northeast Credit Union American Heritage Credit Union Associated Credit Union Atlanta City Employees Credit Union Atlanta Cooperative Credit Association Atlanta Postal Credit Union Atlantic Steel Credit Union Bottlers Credit Union, (The) CONSTAR Credit Union Delta Employees Credit Union Feder a I Emp I oyees Credit Union, (The) Georgia Department of Human Resources Credit Union Georgia Department of Pub I ic Safety Credit Union Georgia DOT Credit Union Georgia State Dept. of Education Credit Union,(The) Georgia Telco Credit Union GPC Credit Association GTA Credit Union H M B Employees Credit Union Hospital Authority Credit Union IBEW Local 613 Credit Union Mead Employees Credit Union Mutual Savings Credit Union Pinnacle Credit Union Rei iance Credit Union Rich's Employees Credit Union State Employees' Credit Union Thrift, (The) Health Center Credit Union King Mill savings & Credit Association Richmond Co.Health Dept. Employees Cr. Union Three Rivers Credit Union Fieldale Credit Union

No assets in process of I iquidation/merger

**Amounts are in thousands as of 12-31-92

22

BEGIN BUSINESS DATE
12-14-33 3-25-57 5-18-59 3-07-29
12-15-80 1-23-56 8-30-28 2-02-39
11-03-25 11-26-26
6-08-73 1-14-75 3-08-40 3-31-30 7-30-51 6-22-70 11-19-51 3-15-54 11-30-43 6-27-74 1-06-76 2-12-73 5-15-46 8-13-80 4-30-28 12-23-33 11-17-26 2-02-78 3-04-38 11-14-61 10-24-28 3-10-76 6-30-27 12-22-52 3-01-75 11-24-80

TOTAL **ASSETS
6,414 594 319
6,729 15,325 43,876 21,043
506 652,900
13,380 6,863 1 , 516
805,167 269,049
9,083 3,328 19,779 7 J 195 529,874 11,186 4,625 6,227 13,065 1 J 754 6' 115 39,005 36,355
21,245 44,002 15,903 11 ,595
5,992 429
2,536 5,326

STATE-CHARTERED CREDIT UNIONS

CITY

COUNTY

NAME OF CREDIT UNION

Columbus Columbus Columbus Columbus Columbus Coosa Cordele Cornelia Cornelia Cuthbert Dalton Decatur Decatur Douglas Dry Branch Dub I in Duluth East Point East Point East Point Forest Park Ft. McPherson Gainesvi lie Garden City Glynco Gordon Griffin Hapevi lie Hapeville Hazlehurst Helen Jonesboro LaFayette Macon Macon Macon

Musco gee Musco gee Musco gee Musco gee Musco gee Floyd Crisp Habersham Habersham Randolph Whitfield Dekalb DeKa I b Coffee Twiggs Laurens Gwinnett Fulton Fulton Fulton Clayton Fulton Ha I I Chatham Glynn Wilkinson Spalding Fulton Fulton Jeff Davis White Clayton Walker Bibb Bibb Bibb

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 Genera I Hosp ita I Emp I oyees Cr. Union Dry Branch Credit Union Dub I in Feder a I Emp I oyees Credit Union Georgia Central Credit Union Colonial Credit Union East Point Municipal Employees Credit Union Fulton Teachers Credit Union 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 White Gold Credit Union Sunbelt Credit Union Hapevi lie Auto Employees Credit Union Hapevi lie Employees' Credit Union Patchogue-Plymouth Employees Credit Association Orbit Savings & Credit Association Tara Credit Union Roper Corporation Employees Credit Union City Employees' Credit Union Macon Firemen's Credit Union Macon Oi I Processors Credit Union

No assets in process of I iquidation/merger

**Amounts are in thousands as of 12-31-92

23

BEGIN BUSINESS DATE
11-02-53 1-07-27
11-12-57 2-26-65
12-14-82 3-31-55 5-20-47 2-19-79 1-18-65 7-01-81 8-27-52
10-30-51 5-29-34 4-11-72 1-08-51 1-16-51 5-01-36 8-13-29 3-06-41
12-02-30 10-01-80
7-23-48 11-11-74 11-17-52
4-03-53 5-21-79 4-01-72 7-09-82 5-21-79 8-15-68 10-20-77 1-25-71 5-07-74 2-28-51 4-18-42 3-12-46

TOTAL **ASSETS
2,422 22,726
284 2,054 4,405 9,714
678 5,025 1 , 46 3
31
7,463 6, 178
534 1 , 715 3,452 873,208 10,406
801 18,836
4,500 13,612
2,893 4.668 7,075 1,144 2,999 1 1 , 7 40 2,282 8,745
720 16,524
874 2,015 1, 428 2,819

STATE-CHARTERED CREDIT UNIONS

CITY

COUNTY

Macon

Bibb

Macon

Bibb

Macon

Bibb

Macon

Bibb

Macon

Bibb

Marietta

Cobb

Marietta

Cobb

Marietta

Cobb

Mcintyre

Wilkinson

Milledgevi le

Baldwin

Mi lledgevi le

Baldwin

Montezuma

Macon

Moultrie

Colquitt

Nashville

Berrien

Norcross

Gwinnett

Ringgold

Catoosa

Rome

Floyd

Rome

Floyd

Savannah

Chatham

Savannah

Chatham

Savannah

Chatham

Savannah

Chatham

Savannah

Chatham

Savannah

Chatham

St Simons Island Glynn

Statesboro

Bu I I och

Ta I I apoosa

Haralson

Thomasvi lie

Thomas

Thomasvi lie

Thomas

Toccoa

Stephens

Toccoa

Stephens

Valdosta

Lowndes

Valdosta

Lowndes

Warner Robins

Houston

Wrens

Jefferson

NAME OF CREDIT UNION
Macon Pol ice Credit Union Macon Water Works Credit Union Medical Center of Central Ga. Credit Union RIG Employees Credit Union Smith and Sons Employees Credit Union C-MAR Credit Union Chevron Southern Credit Union Kennestone Regional Credit Union Engelhard Employees' Credit Union Centra 1 State Hasp ita I Credit Union Oconee Credit Union Southern Frozen Foods Employees Credit Union Moultrie Container Employees Credit Union Nashvi lie Mi lis Employees Credit Association Genuine Parts Credit Union Salem Carpet Credit Union Floyd County Postal Employees Credit Union Northwest Georgia Credit Union Health Employees Chatham County Credit Union Savannah Federal Credit Union Savannah J-Mers Credit Union Savannah Postal Credit Union Savannah Reg i ona I Hasp ita I 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

No assets = in process of I iquidation/merger

**Amounts are in thousands as of 12-31-92

24

BEGIN BUSINESS DATE
10-02-50 7-11-50 2-10-72 1-31-49 6-18-73
10-29-64 11-14-33
7-01-81 3-24-80 8-28-52 1-06-58 1-01-73 3-28-83 1-01-73 3-08-37 8-01-73 4-17-26 12-07-81 8-01-55 6-10-31 9-18-64 6-23-52 4-21-72 2-06-50 6-02-80 8-01-74 4-16-62 10-13-70 2-28-72 4-05-82 11-18-63 7-30-54 1-18-73 10-09-69 3-31-70

TOTAL **ASSETS
588 326 6,070 7,814 643 18,067 2,345 8,489 482 8,924 1 '297 445 463 6,300 3,964 2,945 1 '3 36 21,340 1, 946 5,827 648 7,270 293 7,872 9,832 6,806
1 '459 15,339
7,940 3,359 22,384 2,886 4' 175
83

DEPAR'IMENT OF BANKING AND FINANCE STATE OF GEORGIA
ABSTRACI' OF REPORTS OF CONDITION OF STATE AND NATIONAL BANKS IN GEORGIA AS OF DECEMBER 31, 1992
WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1991 (Am::>t.mts in Millions)

December 31, 1992
403 Banks *

ASSETS GrOss loans
Reserve for IDan losses
Unearned incare
Net I.Dans
r.ease Finance Receivables

48,814 (905) (161)
47,748 914

Interest Bearing Depository Balances

873

SecUrities
Trade Account Federal Funds Sold and Securities Purchased

15,426 387

under Agreerrent to Resell

3,385

'IUI'AL EARNING ASSETS

68,733

cash and Non-Interest Bearing Depository Balances 5,165

Bank Premises, Furniture and Fixtures

1,352

other Real Estate CWned

329

Intangible Assets

219

All other Assets

1,820

TOI'ALASSETS

77,618

De~ber 31, 1991
404 Banks *
43,850 (786) (185)
42,879 557 894
14,556 361
3,391 62,638 4,619 1,314
415 230 1,777 70,993

LIABILITIES Demand Deposits of IPC - IX>rrestic Tine and Savings Deposits of IPC - !Xm'estic Deposits in Foreign Offices
Deposits of u.s. Government
Deposits of State, Counties, and Municipalities Certified and Officers' Checks All other Deposits TOI'AL DEPOSITS
Federal Funds Purchased and Securities Sold under Agreerrent to Repurchase
other Liabilities for Borrowed Money Mortgage Indebtedness All other Liabilities TOTAL LIABILITIES
Subordinated 'Notes and Del:entures
EQJ'ITY CAPITAL Preferra:l Stock Ccmron Stock Surplus Undivided Profits and capital Reserves TOTAL EX,}UITY CAPITAL
'lDI'AL LIABILITIES, SUBORDINATED NarES AND DEBENTURES, AND EQUITY CAPITAL

10,753 41,643
340 326 2,833 321 939 57,155
8,804 2,031
31 2,272 70,293
338
149 609 3,231 2,998 6,987
77,618

L() N
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

* Includes one savings bank; does not include two trust companies.

DEPARIMENT OF BANKING AND FINAN::E
STATE OF GEORGIA
Ca.1PAHATIVE STATEMENT OF EARNINGS AND EXPENSES
OF STATE AND NATICNAL BANKS IN GEORGIA
FOR CALENDAR YEARS ENDING DOCMBER 31, 1992, AND DECEMBER 31, 1991 (Amounts in Millions)

December 31, 1992 December 31, 1991

403 Banks *

404 Banks *

INTEREST INCOME
Interest and Fees on Loans Income from lease Financing Interest on Balances with
Depository Institutions Incame on Federal Funds Sold and Securities
Purchased under Agreement to Resell Interest and Dividends from Securities Trading Account Interest
'IOI'AL INTEREST INCX>ME

4,318 57
40
167 1,061
11
5,654

INTEREST EXPENSE
Interest on Deposits Expense on Federal Funds Purchased and Securities
Sold under Agreerrent to Repurchase Interest on other Borrowed M:mey Interest on Mortgages and leases Interest on Subordinated Notes and Debentures
TOI'AL INTEREST EXPENSE

2,051
302 45
4 9 2,411

NET INTEREST INCX>ME

3,243

TOTAL IDNINTERFST INCOME

1,435

OVERHEAD EXPENSE Salaries and Employee Benefits Net Occupancy Expense of Bank Premises
and Equipnent Expenses other Noninterest Expenses
'IOTAL OVERHEAD EXPENSES

1,212
405 1,364 2,981

PROVISICN FOR WAN LC:SSES

487

SECURITIES GAINS AND LOSSES

117

NET OPERATING INCCME BEFORE TAXES

1,327

APPLICABLE INcn-1E TAXES

399

NET OPERATING INCOME AFTER TAXES

928

EXTRAORDINARY INa:>ME OR EXPENSES, NET

3

NET INCOME

931

* Includes one savings bank; does not include two trust canpanies.

4,677 57
77
208 1,150
12 6,181
2,801
411 29
4
21 3,266
2,915
1,201
1,166
366 1,245 2,777
573
74
840
247
593
2
595

DEPARTMENT OF BANKING AND FINANCE STATE OF GEORGIA
ABSTRACT OF REPORTS OF CONDITION OF STATE CREDIT UNIONS IN GEORGIA AS OF DECEMBER 31, 1992
WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1991 (AMOUNTS IN THOUSANOS)

Number of Credit Unions Number of Primary Members
ASSETS Cash and Demand Deposits
us. Govt. Obligations
c~rporate Credit Unions Other Investments Net Loans Fixed Assets Other Assets
TOTAL ASSETS
LIABILITIES Share Drafts All Other Deposits Div./Interest Payoble Notes Payable Accounts Payable and
Other Liabilities
TOTAL LIABILITIES EQUITY CAPITAL
t~ember Shares Reserves Undivided Earnings
TOTAL EQUITY CAPITAL TOTAL LIABILITIES AND
EQUITY CAPITAL

Dec. 31 1992
104 540,981

?-6 Total Assets

Dec. 31 ?,; Tot a I 1991 Assets 112 531,531

Amount 9() + or - + or -

65,648 587,459 1,402,380 667,407 1, 119,789 13,189 27,819
3,883,691
- - ------ -

1. 7% 15.1% 36.1% 17.2% 28.8?-o 0.3% 0.8%
---
100.0%
----

67,706 736,768 1,317,011 253,435 1,114,290
12,747 35,669
----
3,537,626
------

1. 9% 20.8% 37.2% 7. 2?,; 31.5% 0. 4?1)
1.0%
100.0%
- - - - - -

(2,058) -3.0% (149,309) -20.3%
85,369 6. 5?,; 413,972 163. 3?-o
5,499 0. 5?,; 442 3.5%
(7,850) -22.0%
----
346,065 9 .8?-o
----

270,237 3,280,991
7,200 11,712
26,604
----------
3,596,744

7. O?<l 84.5% 0.2% 0.3%
0.6%
------
92. 6?;;

233,000 3,008,914
101072 11,112
28,710
--~------
3, 291,808
------

6.6% 85. O?-o 0.3% 0. 3?-o
0.8%
---
93. 0?\1

r-
37,237 16.0% N 272,077 9.0%
(2,872) -28. 5-06 600 5.4%

(2,106)
---
304,936

-7. 3?-; 9. v~

7,387 95,029 184,531
---------
286,947
----
3,883,691
-------

0.2% 2.4% 4.8%
7.4%
----
100 .0;:
----

7,180 87,525 151,113
---------
245,818
3,537,626
-- -----------

0. 2?r; 2.5% 4. 396 -7.0%
--
100.0?,;

207 7,504 33,418
--
41,129

2.9% 8.6 9,; 22. ]?:,
---
16.7%

346,065 9.W-o
---

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, 1992 AND DECEMBER 31, 1991

OPERATING INCOME Interest On Loans Income from Investments Other Income

Dec. 31 1992

% Total Dec. 31 % Total

Income

1991 Income

Amount

?.< 0

+ or - + or -

122,608 116,442 15,967

48.1% 45.6% 6.3%

134,677 131,670 14,067

48. O?a 47.0%
5 .0<1

(12, 069) -9 .0?<1 (15,228) -11.6%
1,900 13.5%

TOTAL OPERATING INCOME OPERATING EXPENSES
Employee Comp. &Benefits
Office Expenses In1.erest on Borrowed Money Other Expenses

255,017 100.0%

29,241 17,330
4
12,856

11.5%
6 .SO;;
0.0% 5 .0?;;

TOTAL OPERATING EXPENSES Income before Reserve
Transfers and Securities Gains and Losses
Net Reserve Transfer

59,431 23.3%

195,586 131044

76 .??;; 5.1%

Income before Securities Gains and Losses

182,542

Securities Gains/Losses, Net

125

Other Nonoperating Gains/Losses

35

71.6% 0.0% 0.0%

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

182,702 71.6% 1461 110 57.3%

NET INCOME RETAINED

36,592 14.3%

280,414 100.0% (25,397) -9.1%

27,070 15,910
534 20,635

9. 7% 21171 8.0%

5 .7?<1

1,420 8. 9o

0.1%

(530) -99.3%

7.4% (7,779) -37.7%

64,149 22.9%

216,265 17,428

77.1% (20,679) -9.6% 6.2% (4,384) -25.2%

198,837 24 111

70.9% 0.0% 0.0%

(16,295) -8.2% 101 420.8% (76) 0.0%

198,972 70.9?;; (16,270) -8.2% 181,499 64.7% (35,389) -19.5% 17,473 6.2% 19,119 109.4%

CHARTER 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
Athens First Bank & Trust Company Athens
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
Commercial Bank of Georgia Atlanta

BRANCH BANKS

BRANCH COUNTY

COUNTIES

Dougherty

Clay, Decatur, Lee, Randolph

Dougherty

Mi I I er

Dougherty

Mitchell, Terrell, Thomas, Tift, Worth

Sumter Clarke Clarke

Webster Frankl in, Hart, Jackson, Oconee, Walton Morgan

Fulton
Cobb Fulton Fulton Fulton
29

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

CHARTER NAME OF BANK
First Union National Bank of Georgia Atlanta
The Merchant Bank of Atlanta Atlanta
SouthTrust Bank of Georgia, N.A. Atlanta
Trust Company Bank Atlanta
Wachovia Bank of Georgia, National Association Atlanta
Trust Company Bank of Augusta, National Association Augusta
Peoples Bank Blackshear
Barnett Bank of Southeast Georgia, National Association Brunswick
The Coastal Bank of Georgia Brunswick
Trust Company Bank of Southeast Georgia, National Association Brunswick
First National Bank of Northwest Georgia Calhoun

BRANCH BANKS

BRANCH COUNTY

COUNTIES

Fulton

Bibb, Burke, Chatham, Chattahoochee, Cherokee, Cobb, Columbia, Coweta, DeKalb, Fayette, Floyd, Gwinnett, Haralson, Harris, Henry, Lowndes, Murray, Muscogee, Richmond, Screven, Spalding, Toombs, ware, Whitfield, Wilkes

Fulton

Clayton, Cobb, DeKalb

Fulton Fulton Fulton
Richmond

Bartow, Carroll, Clayton, Cobb, DeKalb, Douglas, Gwinnett, Haralson, Henry, Lowndes
Carro I I, Cayman Is I ands, Cherokee, c Iayton, Cobb,
DeKalb, Douglas, Gwinnett, Henry, Rockdale
Bartow, Bibb, Bulloch, Chatham, Cherokee, Clayton, Cobb, DeKalb, Fayette, Forsyth, Gordon, Gwinnett, Ha I I, Houston, Lumpkin, Macon, Richmond, Sumter, Walton, Wayne, Whitfield
McDuffie

Pierce Glynn

ware Camden, Wayne

Glynn Glynn

Camden App I i ng, Ware, Wayne

Gordon
30

Bartow

CHARTER NAME OF BANK
Cairo Banking Company Cairo
Etowah Bank Canton
Citizens Bank and Trust of West Georgia Carro I I ton
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
Fide I i ty Nation a I Bank Decatur
First South Bank, National Association Fort va 1 1ey
Trust Company Bank of North Georgia Gainesville
Citizens Community Bank Hahira

BRANCH BANKS

BRANCH COUNTY

COUNTIES

Grady

Thomas

Cherokee

Cobb, Fulton, Paulding

Carro I I

Haralson

Murray

Walker

Musco gee

Grady, Lowndes, Meriwether, Thomas

Muscogee

Chattahoochee, Macon, Marion, Meriwether

Musco gee

Troup

Jackson

Habersham, Oglethorpe

Mcintosh

Brantley, Camden, Charlton, Coffee, Jeff Davis

DeKalb

Fulton, Cobb

Peach

Johnson, Macon, Turner

Ha I I

Fannin, Forsyth, Gwinnett, Habersham, White

Lowndes 31

Brooks

CHARTER NAME OF BANK
The Coastal Bank Hinesvi lie
Bank of Banks County Homer
The First National Bank & Trust Company Louisvi lie
Trust Company Bank of Middle Georgia, National Association Macon
The Central & Southern Bank of Georgia Mi lledgevi lie
Bank of Coweta Newnan
Trust Company Bank of Northwest Georgia National Association Rome
NationsBank of Georgia, N.A. Savannah
AI I ied Bank of Georgia Thomson
First National Bank of Cherokee Woodstock
North Georgia National Bank Woodstock

BRANCH BANKS

BRANCH COUNTY

COUNTIES

Liberty

Chatham, Long

Banks

Jackson

Jefferson

Burke

Bibb

Houston

Baldwin Coweta Floyd

Coffee, Telfair Meriwether Polk

Chatham
McDuffie Cherokee Cherokee
32

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

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

FINANCIAL INSTITUTION Capitol City Bank & Trust Company Atlanta
Citizens Trust Bank Atlanta
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

BANK OFFICE, BRANCH, OR FACILITY

APPROVAL DATE

Cascade Road Office

2358 Cascade Road

Atlanta

30311

8-13-92

Cub Foods Store #50 Office

2201 Lawrencev i I Ie Highway

Decatur

30033

10-20-92

Clairmont Road Office

3361 Clairmont Road

Atlanta

30329

2-17-92

Mableton Office

5987 Mableton Parkway

Mableton

30059

3-25-92

Smyrna Branch

945 Windy Hi II Road

Smyrna

30081

3-25-92

Windward Parkway Office

5475 Windward Parkway W.

Alpharetta

30201

Rescinded

Galleria Drive-In Facility

300 Galleria Parkway

Atlanta

30339

6-24-92

Johnson Ferry Road Medical and Professional

Banking Center Fac i I i ty

1100 Johnson Ferry Road, Suite 435

Atlanta

30342

11-24-92

St. Anne's Terrace Faci I ity

3100 Northside Parkway

Atlanta

30327

6-29-92

33

BEGIN BUSINESS
DATE
11-23-92 5-18-92 3-30-92 3-30-92
7-13-92
8-06-92

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

FINANCIAL INSTITUTION Trust Company Bank Atlanta
Trust Company Bank Atlanta
Georgia Bank & Trust Company of Augusta Augusta
Peoples Bank & Trust Buford
Georgia Bank & Trust Calhoun
Bank of Canton Canton
Etowah Bank Canton
Etowah Bank Canton
Columbus Bank and Trust Company Columbus

BANK OFFICE, BRANCH, OR FACILITY

Medlock Bridge Office

9600 Medlock Bridge Road

Duluth

30136

Steve Reynolds Blvd. Office

1100 Hampton Green

Duluth

30136

Medical Center Office

1530 Walton Way

Augusta

30904

Historic Buford Downtown Office

101 East Main Street

Buford

30518

North 41 Office

940 N. 'ria I I Street

Calhoun

30701

Hickory Flat Office

6290 Hickory Flat Highway

Canton

30114

Roswel I Branch

43 Crossvi I le Road

Roswe I I

30075

Highway 92 West Office

1650 Highway 92 West

Woodstock

30188

Green Island Office

6739 River Road

Columbus

31904

34

APPROVAL DATE
1-22-92 1-22-92
4-03-92 4-06-92 Rescinded 8-27-92 3-20-92 3-31-92 7-23-91

BEGIN BUSINESS
DATE 12-14-92 9-28-92 12-0i-92
6-01-92
3-30-92 4-01-92 9-14-92

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

FINANCIAL INSTITUTION Citizens Bank & Trust Evans
Barnett Bank of Fayette County Fayettevi lie
Bank of Fitzgerald Fitzgerald
Bank of Heard County Franklin
United Bank of Griffin Griffin
The Coastal Bank Hinesvi lie
First Macon Bank & Trust Macon
American Banking Company Moultrie
Bank of Coweta Newnan

BANK OFFICE, BRANCH, OR FACILITY

Fury's Ferry Office

360 Fury's Ferry Road

Martinez

30907

Peachtree City Office

472 Crosstown Road

Peachtree City

30269

Grant Street Office

516 S. Grant Street

Fitzgerald

31750

Ephesus Faci I ity

24500 Georgia Highway 100

Ephesus

30217

Northside Office

1500 West Mcintosh Road

Griffin

30223

Pooler Office

501 West Highway 80

Pooler

31322

Forsyth Road Office

4511 Forsyth Road

Macon

31210

Quitman Highway Office

1707 First Avenue, SE

Moultrie

31768

Longstreet Community Office

3132 Highway 34

Newnan

30263

APPROVAL DATE
11-30-92 4-10-92
10-31-91 10-16-92 10-26-92
Pending 7-24-92 1-24-92 Pending

35

BEGIN BUSINESS
DATE 6-15-92 5-01-92
8-10-92

FINANCIAL INSTITUTION The Bank of Newnan Newnan
Crossroads Bank of Georgia Perry
First Peoples Bank Pine Mountain
Tara State Bank Riverdale
Bank of Morgan County Rutledge
Metro Bank Sandy Springs
Spivey State Bank Swainsboro
Allied Bank of Georgia Thomson
Allied Bank of Georgia Thomson

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

BANK OFFICE, BRANCH, OR FACILITY

Sharpsburg Office

3091 East Highway 34

Sharpsburg

30277

Houston Road Office

106 South Houston Road

Warner Robins

31088

Waverly Hall Facility

280 O'Neal Drive

Waverly Ha II

31831

Lake City Office

5690 Jonesboro Road

Lake City

30260

Rutledge Office

Result of main office relocation

105 Newborn Road

Rutledge

30663

Embassy Row Faci I ity

6600 Peachtree-Dunwoody Road

Building 400, Suite 210

Atlanta

30328

Piggly Wiggly Supermarket Office #2

South Main Street

Swainsboro

30401

Peach Orchard Road Office

2507 Peach Orchard Road

Augusta

30906

Louisvi lie Branch

900 Peachtree Street

Louisville

30434

36

APPROVAL DATE
12-28-92 3-10-92 1-23-92
Rescinded 11-30-92
5-18-92
Pending 1-29-92 3-26-92

BEGIN BUSINESS
DATE 3-16-92 5-21-92
6-29-92
3-02-92 3-30-92

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

FINANCIAL INSTITUTION
Dorsey State Bank Abbevi lie

CHANGE LOCATION OF

Main Office

FROM 127 South Depot Street

Abbev i I I e

31001

TO

415 South Broad Street

Abbevi lie

31001

Albany Federal Employees Credit Union Albany
Security Bank and Trust Company of Albany Albany
Security Bank and Trust Company of Albany Albany
Commercial Bank of Georgia Atlanta
State Employees Credit Union Atlanta

Main office

FROM 1501 s. Slappey Boulevard

Albany

31706

TO

1110 Centennial Avenue

Albany

31706

Five Points Office to East Albany Office

FROM 2107 East Broad Avenue

Albany

31705

TO

2102 East Oglethorpe Boulevard

Albany

31705

Main Office

FROM 700 Pine Avenue

Albany

TO

401 Pine Avenue

Albany

31702 31702

Smyrna Branch to Windy Hi I I Branch

FROM 945 Windy Hi I I Road

Smyrna

30080

TO

1041 Windy Hi II Road

Smyrna

30080

Main Office

FROM 265 Capitol Place

Atlanta

30334

TO

130 Memorial Drive, sw

Atlanta

30334

37

APPROVAL DATE
10-23-91
10-05-92
12-14-92
3-08-91
10-20-92
4-19-90

EFFECTIVE DATE
12-07-92
4-06-92
4-10-92

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

FINANCIAL INSTITUTION

CHANGE LOCATION OF

Peoples Bank Blackshear
Citizens Bank and Trust of West Georgia Carrollton
Rome Kraft Employees Credit Union Coosa
The Fort McPherson Credit Union Ft. McPherson
Bank of Hiawassee Hiawassee
First Alliance Bank Kennesaw

Waycross Branch

FROM 600 Plant

Waycross

TO

810 Plant

Waycross

Avenue Avenue

31501 31501

Tallapoosa Drive-In Faci I ity

to Atlanta Street Office

FROM 8 s. Alewine Street

Tallapoosa

30176

TO

75 East Atlanta Street

Ta I I apoosa

30176

Main FROM
TO

Office

4590-B Alabama Highway

Coosa

30129

Two lots west on Alabama

Coosa

30129

Highway

Main Office

FROM Building 16, Ninninger Way

Ft. McPerson

30330

TO

Bui I ding 248

Ft. McPerson

30330

Young Harris Office

FROM Co I I ege Street

Young Harris

TO

Highway 76

Young Harris

30582 30582

Main Office

FROM 2760 Cobb Parkway

Kennesaw

30144

TO

63 Barrett Parkway

Marietta

30066

38

APPROVAL DATE
3-10-92 9-20-91
7-30-92 10-08-91
1-09-91 10-14-92

EFFECTIVE DATE
4-20-92 1-29-92
5-11-92 3-30-92 12-31-92

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

FINANCIAL INSTITUTION First Alliance Bank Kennesaw
Bank of Lenox Lenox
Central & Southern Bank of Georgia Mi lledgevi lie
Bank of Morgan County Rutledge
The Bank of Worth Sylvester
North Georgia Credit Union Toccoa

CHANGE LOCATION OF

Ernest Barrett Parkway Office

to Kennesaw Office

FROM 63 Barrett Parkway

Marietta

30066

TO

2760 Cobb Parkway

Kennesaw

30144

Adel Facility to Adel Office
FROM 104 w. 1st Street

Adel

31620

TO

607 W. 4th Street

Adel

31620

Douglas Branch

FROM 101 N. Peterson Avenue

Douglas

31533

TO

434 S. Peterson Avenue

Douglas

31533

Main Office

FROM 105 Newborn Road

Rutledge

30663

TO

1460 Eatonton Road

Madison

30650

Main Office
FROM 402 w. Frankl in Street

Sylvester

31791

TO

601 N. Main Street

Sylvester

31791

Main Office

FROM U.S. Post Office Bui I ding

Toccoa

30577

TO

589 Mize Road

Toccoa

30577

39

APPROVAL DATE
10-14-92
7-08-92
1-06-92
11-30-92
6-29-92
12-18-91

EFFECTIVE DATE
12-31-92
8-17-92
4-20-92

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

BANK HOLDING COMPANY

TO ACQUIRE

ACQUISITIONS ONLY:

AmSouth Bancorporation

Birmingham

AL

AmSouth Bank of Georgia

Summervi I le

GA

SunTrust Banks, Inc.

Alanta

GA

HomeTrust Bank of Georgia

Gainesvi lie

GA

First Financial Management Corporation

Atlanta

GA

First Financial Bank

Atlanta

GA

Georgia Bank Financial Corporation

Augusta

GA

First Columbia Bank

Martinez

GA

United Community Banks, Inc.

BIairs vi I Ie

GA

Peoples Bank of Fannin County

Blue Ridge

GA

United Community Banks, Inc.

BIairs vi I Ie

GA

Mountain Bank of Georgia

Hiawassee

GA

Peoples Preferred Bancshares, Inc.

Colquitt

GA

Bank of Columbia

Columbia

AL

Synovus Financial Corp.

Columbus

GA

First Commercial Bancshares, Inc.

Jasper

AL

Hardwick Holding Company

Dalton

GA

Peoples Bank of Bartow County

Cartersville

GA

Middle Georgia Corporation

E I Iav i I Ie

GA

Citizens Bank of Americus

Americus

GA

First National Bancorp

Gainesvi lie

GA

First National Bank of Paulding County

Da I I as

GA

First National Bancorp

Gainesvi lie

GA

Citizens Bank

Ba I I Ground

GA

40

APPROVAL DATE
12-31-92 12-15-92 12-30-92 10-22-92
2-24-92 7-01-92 4-16-92 12-09-92 3-19-92 5-27-92 1-16-92 9-16-92

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

BANK HOLDING COMPANY

TO ACQUIRE

ACQUISITIONS ONLY:

Bank Corporation of Georgia

Macon

GA

First South Bank of Ben Hi I I County, N.A.

Fitzgerald

GA

Bank Corporation of Georgia

Macon

GA

First South Bank of Jones County, N.A.

Gray

GA

Bank Corporation of Georgia

Macon

GA

First South Bank of Coweta County, N.A.

Newnan

GA

ABC Bancorp

Moultrie

GA

Cairo Banking Company

Cairo

GA

Southern Bank Group, Inc.

Roswe I I

GA

The Southside Bank & Trust Company

Union City

GA

Button Gw i nne t t Banco r p , I nc .

Snellvi lie

GA

The Bank of Gwinnett County

Lawrencev i I Ie

GA

CCB Financial Corporation

Durham

NC

Centra I Caro I ina Bank - Georgi a

Columbus

Ga

APPROVAL DATE
5-06-92 5-06-92 5-06-92 9-15-92 Rescinded 12-08-92 1-22-92

41

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

BANK HOLDING COMPANY

TO ACQUIRE

NEW FORMATIONS:

CBA Bankshares, Inc.

Americus

GA

Citizens Bank of Americus

Americus

GA

Broadstreet, Inc.

Atlanta

GA

AmTrade International Bank

Atlanta

GA

Community Bank Capital Corporation

Atlanta

GA

Cherokee Federal Bank, Federal Savings Bank

Canton

GA

First American Bank of Georgia, N.A.

Atlanta

GA

First American Trust Company, N.A.

Atlanta

GA

International Trade Bankcorp

Atlanta

GA

International Trade Bank of Atlanta

Atlanta

GA

SouthTrust Bank of Georgia, N.A.

Atlanta

GA

First American Trust Company, N.A.

Atlanta

GA

Early Bancshares, Inc.

Blakely

GA

Bank of Early

Blakely

GA

Cam i I a Bancshares, Inc.

Cami Ia

GA

Bank of Cam i I I a

Cam i I I a

GA

GF Bancshares, Inc.

Griffin

GA

Griffin Federal Savings Bank

Griffin

GA

Crescent Banking Company

Jasper

GA

Crescent Bank and Trust Company

Jasper

GA

Century Bancorp, Inc.

Mi lledgevi lie

GA

Century Bank and Trust

Mi lledgevi lie

GA

42

APPROVAL DATE
5-27-92 Pending 12-29-92 4-23-92 Rescinded 4-28-92 Pending 3-24-92 12-17-92 4-03-92 Pending

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

BANK HOLDING COMPANY

NEW FORMATIONS:

The ESOP & Trust of Southwest Georgia Financial Corp.

Crossroads Bancshares, Inc.

Perry

GA

Peach State Bankshares, Inc.

Riverdale

GA

Swainsboro Banks hares, Inc.

Swainsboro

GA

Vidalia Bankshares, Inc.

Vidalia

GA

TO ACQUIRE

Moultrie National Bank

Moultrie

GA

Crossroads Bank of Georgia

Perry

GA

Peach State Bank

Riverdale

GA

The Citizens Bank of Swainsboro

Swainsboro

GA

Brice Banking Company, Inc.

Vidalia

GA

APPLICATIONS FOR FINANCIAL HOLDING COMPANY SUBSIDIARIES TO MERGE ACROSS COUNTY LINES

APPROVAL DATE
12-02-92 6-02-92
Withdrawn 5-27-92 5-27-92

NAME OF HOLDING COMPANY
HARDWICK HOLDING COMPANY Peoples Bank of Bartow County Calhoun First National Bank

CITY
Dalton Cartersv i I Ie Calhoun

COUNTY
Hardwick Bartow Gordon

APPROVED 12-17-92

43

NAME

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

ADAIRSVILLE BANCSHARES, INC. *Bank of Ada i rsvi lie 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

ADAIRSVILLE Adairsville Crawfordvi lie
AILEY Ai I ey
ALBANY Albany
ALBANY Albany Cordele
ALLENTOWN Allentown Jeffersonvi lie
ALMA Alma
ALMA Alma Baxley Kingsland
ALPHARETTA Alpharetta
ARLINGTON Arlington
ASHBURN Ashburn

44

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
CITIZENS BANCSHARES CORP. *Citizens Trust Bank
COMMERCIAL BANCORP OF GEORGIA, INC. *Commercial Bank of Georgia
COMMUNITY BANK CAPITAL CORPORATION *Cherokee Federal Bank, Federal Savings Bank
COMMUNITY F I NANG IAL SERVICES, INC. *Georgia Bankers Bank
EMBRY BANK SHARES, INC. *Embry National Bank
FIRST FINANCIAL MANAGEMENT CORPORATION *Georgia Federal Bank, FSB NATIONAL BANCARD CORPORATION *First Financial Bank
MERCHANT BANK CORPORATION *The Merchant Bank of Atlanta

ATHENS Athens
ATHENS Athens
ATLANTA Atlanta
ATLANTA Atlanta
ATLANTA Atlanta
ATLANTA Canton
ATLANTA Atlanta
ATLANTA Atlanta
ATLANTA Atlanta SUNRISE, FL Atlanta
ATLANTA Atlanta

45

APPROVED 4-02-86 7-25-91 7-01-76 7-01-76 5-25-88
12-29-92 11-18-85 11-12-87
5-31-89 12-30-92
9-25-89

NAME

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

NORO FINANCIAL CORPORATION NORO-HOME FEDERAL HOLDING COMPANY, N.V. NORO-THRIFT HOLDING COMPANY *HomeBanc Federal Savings Bank
SUMMIT BANK CORPORATION *The Summit National Bank
SUNTRUST BANKS, INC. *Trust Company Bank of North Georgia 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
GEORGIA BANK FINANCIAL CORPORATION *Georgia Bank & Trust Company of Augusta Georgia Bank & Trust Company of Columbia County

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

46

APPROVED 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 11-27-91

NAME

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

INVESTORS FINANCIAL CORPORATION *Bainbridge National Bank
PORT CITY HOLDING COMPANY, INC. *The First Port City Bank
UNITED BANK CORPORATION *United Bank United Bank of Griffin United Bank of Crawford United Bank of Pike
AMSOUTH BANCORPORATION *AmSouth Bank of Georgia
SOUTHTRUST CORPORATION *SouthTrust Bank of Columbus,N.A. SOUTHTRUST OF GEORG I A, INC. *SouthTrust Bank of Georgia, N.A. SOUTHTRUST BANK OF GEORGIA, N.A. *SouthTrust Estate and Trust Company of Georgia, N.A.
BLACKSHEAR BANCSHARES, INC. *The Blackshear Bank
PEOPLES BANKING CORPORATION *Peoples Bank
UNITED COMMUNITY BANKS, INC. *Union County Bank Peoples Bank of Fannin County Towns County Bank
FIRST STATE BANCSHARES OF BLAKELY, INC. *First State Bank of Blakely

BAINBRIDGE Bainbridge
BAINBRIDGE Bainbridge
BARNESVILLE Barnesvi lie Griffin Roberta Zebulon
BIRMINGHAM, AL Summervi lie
BIRMINGHAM, AL Columbus ATLANTA Atlanta ATLANTA Atlanta
BLACKSHEAR Blackshear
BLACKSHEAR Blackshear
BLAIRSVILLE Blairsvi lie Blue Ridge Hiawassee
BLAKELY Blakely

47

APPROVED 2-14-91 8-11-81
11-25-81
12-31-92 5-31-89 1-10-84 4-28-92
12-18-90 2-28-90 2-04-88
6-13-86

NAME

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

FIRST GEORG I A 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
GRADY HOLDING COMPANY *First National Bank of Grady County
CAMILLA BANCSHARES, INC. *Bank of Cam i I I a
P 8c C BANK SHARES, INC. *Planters 8c Citizens Bank
B C BANKSHARES, INC. *Bank of Canton
SECURITY BANCORP, INC. *Security State Bank
UN I TED SECURITY BANCSHARES, INC. *United Security Bank
FIRST BANKS, INC. First Bank and Trust
*The Bank of Toccoa
WGNB CORP. *West Georgi a Nation a I Bank of Carro I I ton

BRUNSWICK Brunswick
BUCHANAN Buchanan
BUTLER Butler Douglas
CAIRO Cairo
CAMILLA Cam i I I a
CAMILLA Cam iII a
CANTON Canton
CANTON Canton
CANTON Sparta
CARNESVILLE Carnesv iII e Toccoa
CARROLLTON Carrollton

48

APPROVED 4-28-88 3-06-84 2-13-84
6-30-78 3-24-92 12-30-80 9-05-84 5-17-89 2-21-84 4-13-81
8-12-85

NAME

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

BARTOW BANCSHARES, INC. *Bartow County Bank
FIRST COMMUNITY BANCORP, INC. *First Community Bank & Trust
FIRST POLK BANKS HARES, 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.
FIRST CHATSWORTH BANCSHARES, INC. *The First National Bank of Chatsworth
FIRST CLAYTON BANCSHARES, INC. *First Clayton Bank & Trust Company
LIBERTY BAN CORP OF GEORG I A, INC. *Rabun County Bank The Gordon Bank
WHITE COUNTY BANCSHARES, INC. *White County Bank
PEOPLES PREFERRED BANCSHARES, INC. *The Peoples Bank

CARTERSVILLE Cartersvi lie
CARTERSVILLE Cartersvi I le
CEDARTOWN Cedartown
CHARLOTTE, NC ATLANTA Atlanta
CHARLOTTE, NC Savannah
CHATSWORTH Chatsworth
CLAYTON C I ayton
CLAYTON Clayton Gordon
CLEVELAND Cleveland
COLQUITT Colquitt

49

APPROVED 4-28-83
10-18-89 5-20-86 3-17-86 7-01-76
12-12-85 3-03-83
10-06-89 5-12-83
9-19-84 4-09-91

NAME

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

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 First Bank Sea Is I and 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 FIRST COMMERCIAL BANCSHARES, INC.
FIRST COMMERCE BAN CORP, INC. *The First National Bank of Commerce
MID STATE BANKS, INC. *Cordele Banking Company Planters Bank Pineview State Bank

COLUMBUS COLUMBUS Albany Americus Athens Brunswick Carro! I ton Cochran Columbus Columbus Fort Va I ley Hazlehurst LaGrange Monroe Newnan Rome Statesboro Thomasv i I I e Tifton Valdosta Warner Robins CHATSWORTH Chatsworth FORT RUCKER, AL
COMMERCE Commerce
CORDELE Cordele Hawkinsvi lie Pineview

50

APPROVED 8-25-86 7-01-76
11-30-82 10-04-88 10-27-81
3-05-80

NAME

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

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.Y. CREDIT AND COMMERCE AMERICAN INVESTMENT, B.V. FIRST AMERICAN CORPORATION FIRST AMERICAN BANKSHARES, INC. FIRST AMERICAN BANK OF VIRGINIA *First American Bank of Georgia, N.A.

CENTURY SOUTH BANKS, INC. First National Bank of
*Bank of Dahlonega The Bank of E I I i jay Georgia First Bank

Union

County

HARDWICK HOLDING COMPANY First National Bank of Northwest Georgia
*Hardwick Bank & Trust Company

CORNELIA Commerce Cornelia
CORNELIA Clarkesvi le
COVINGTON Covington
COVINGTON Conyers Covington Winterville
CRAWFORD Crawford
CURACAO, N'LANDS AMSTERDAM,N'LAND WASHINGTON, DC WASHINGTON, DC MCLEAN, Vi<. Atlanta
DAHLONEGA Blairsville Dahlonega E I I i jay Gainesvi lie
DALTON Calhoun Dalton

51

APPROVED 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 8-25-92 4-20-82
9-23-80

NAME

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

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
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 Commercia I Bank
THORNTON HOLDING COMPANY, INC. *Douglas County Bank

DARIEN Darien
DAWSON Dawson
DAWSONVILLE Dawsonv i I I e
DECATUR Decatur
DECATUR Decatur
DECATUR Decatur
DONALSONVILLE Dona Isonv i I Ie
DOUGLAS Douglas
DOUGLASVILLE Douglasvi lie
DOUGLASVILLE Douglasville
DOUGLASVILLE Douglasvi lie

52

APPROVED 4-14-81 9-19-83
12-03-84 8-25-88
12-18-79 7-14-89 2-01-85 3-19-91
11-09-89 12-10-84 12-17-81

NAME

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

FARMERS BANCSHARES, INC. *Farmers State Bank The Security State Bank
MORRIS STATE BANCSHARES, INC. *The Morris State Bank
GwiNNETT BANCORP, INC. *Gwinnett National Bank
CCB FINANCIAL CORPORATION *Centra I Caro I ina Bank - Georgi a
CITIZENS CORPORATION *Citizens Bank & Trust Company Citizens Bank & Trust Company or Mount Vernon
JESSUP FAMILY LIMITED PARTNERSHIP *Bank of Eastman
PEOPLES BANKSHARES, INCORPORATED *The Peoples Bank
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

DUBLIN Cadwel McRae
DUBLIN Dub I in
DULUTH Duluth
DURHAM, NC Columbus
EASTMAN Eastman Mount Vernon
EASTMAN Eastman
EATONTON Eatonton
EATONTON Eatonton Pembroke Union Point
EDISON Edison
ELBERTON Elberton

53

APPROVED 7-24-]C, 5-24-89 i-27-89 1-22-92 1-15-85 4-17-90 2-17-84 4-03-87
3-05-84 4-01-83

NAME

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

MIDDLE GEORGIA CORPORATION *Bank of Ellaville CBA BANK SHARES, INC. *Citizens Bank of Americus
FA I RBANCO HOLDING COMPANY, INC. *Fairburn Banking Company
COLONY BANK CORP, INC. Ashburn Bank Bank of Dodge County
*The Bank of Fitzgerald Community Bank of Wi I cox Bank of Worth
COUNTRY BANK HOLDING COMPANY *Monroe County Bank
CATOOSA BANCSHARES, INC. *Capital Bank
CITIZENS EXPRESS COMPANY *The Citizens Bank
FIRST NATIONAL BANCORP Citizens Bank Bank of Clayton The First National Bank of White County First National Bank of Habersham The Peoples Bank of Forsyth County The First National Bank of Paulding 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
54

ELLAVILLE E I I av i I I e AMERICUS Americus
FAIRBURN Fairburn
FITZGERALD Ashburn Chester Fitzgerald pitts Sylvester
FORSYTH Forsyth
FORT OGLETHORP:C Fort Oglethorpe
GAINESVILLE Gainesville
GAINESVILLE Ba I I Ground Clayton Cleveland Cornelia Cumming
D a I I as
Elberton E I I i jay Gainesvi le Homer Jasper Jefferson Toccoa

APPROVED
5-08-81 5-27-92 6-11-81.! 4-15-83
2-25-82 12-15-80 10-28-83
5- 11-81

NAME

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

LANIER BANK SHARES, 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
GF BANCSHARES, INC. *Griffin Federal Savings Bank
CCB BANCSHARES, INC. *Citizens Community Bank
LOWNDES BANCSHARES, INC. *Commercial Banking Company
MGEORG IA BANKS HARES, INC. *The Pulaski Banking Company
COASTAL BANK SHARES, INC. *The Coastal Bank
LIBERTY SHARES, INC. *The Hinesvi lie Bank
COMMUNITY TRUST FINANCIAL SERVICES CORPORATION *Community Trust Bank

GAINESVILLE Gainesville
GLENNVILLE Glennvi I Je
GREENSBORO Greensboro
GRIFF IN Barnesvi lie Griffin
GRIFF IN Griffin
HAHIRA Hahir2
HAHIRA Hahira
HAWKINSVILLE Hawkinsville
HINESVILLE Hinesville
HINESVILLE Hinesville
HIRAM Hiram

55

APPROVED 4-18-89
12-16-80 6-17-85 1-17-83
12-17-92 12-15-82
9-16-85 3-23-87 7-07-82 10-24-84 2-06-91

NAME

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

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 BANK SHARES, INC. *Barnett Bank of Southeast Georgia, N.A. SUNCOAST BANCORP, INC. FIRST CITY BAN CORP, INC. *Barnett Bank of Atlanta Barnett Bank of Southwest Georgia
CRESCENT BANKING COMPANY *Crescent Bank and Trust Company
JBC BANCSHARES, INC. *Jasper Banking Company
WAYNE BANCORP, INC. *Wayne National Bank
SOUTHERN CRESCENT FINANCIAL CORP. *Clayton National Bank
FIRST ALLIANCE BAN CORP, INC. *First AI liance Bank
FMB BANCSHARES, INC. *Farmers and Merchants Bank

HOGANSVILLE Hogansv i I Ie
HOMERVILLE Homervi lie
JACKSON Jackson
JACKSONVILLE, FL Fayettevi lie BRUNSWICK Brunswick VERO BEACH, FL ATLANTA Atlanta Columbus
JASPER Jasper
JASPER Jasper
JESUP Jesup
JONESBORO Morrow
KENNESAW Marietta
LAKELAND Lakeland

56

APPROVED 9-23-82
11-22-88 4-24-91
11-25-86 9-19-84
11-25-86 12-02-80
4-03-92 7-10-85 6-14-90 10-19-89 11-14-88 10-11-84

NAME

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

FIRST SECURITY BANK SHARES, INC. Bank of Hartwel I
*Northeast Georgia Bank
COMMERCIAL BANCORP OF GWINNETT, INC. *Commercial Bank of Gwinnett, National Association
GWINNETT BANCSHARES, INC. *Gwinnett Federal Bank, Federal Savings Bank
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
SOUTH GEORGIA BANKSHARES CORP. *Peoples Bank
COMMUNITY FINANCIAL CORPORATION *Community Bank & Trust Company

LAVONIA Hartwell Lavonia
LAWRENCEVILLE Lawrencevi lie
LAWRENCEVILLE Lawrencev i I Ie
LAFAYETTE LaFayette
LINCOLNTON Lincolnton
LITHONIA Lithonia Perry
LOUISVILLE Louisville
LOUISVILLE Louisvi lie wad 1ey
LYONS Lyons
MABLETON Mableton

57

APPROVED 11-15-83
6-06-90 3-29-90 1-03-84 12-03-84 8-22-80
5-11-89 11-18-85
12-17-80 5-09-88

NAME

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

BANK CORPORATION OF GEORGIA First South Bank of Ben Hi II County, N.A.
*First South Bank, N.A. First South Bank of Jones County, N.A. First South Bank of Coweta County, 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 BANK SHARES, INC. *Cobb American Bank and Trust Company
CHATTAHOOCHEE BANCORP, INC. *The Chattahoochee Bank
THREE RIVERS BANCSHARES *Bank of Mi I an
BALOW IN BANCSHARES, INC. *First National Bank of Baldwin County
CENTRAL AND SOUTHERN HOLDING COMPANY The Central and Southern Bank of Greensboro
*The Central & Southern Bank of Georgia
EXCHANGE BANK SHARES, INC. *Exchange Bank

MACON Fitzgerald Fort Va I Iey Gray Newnan SAVANNAH Savannah
MACON Macon
MADISON Madison
MANCHESTER Manchester
MARIETTA Marietta
MARIETTA Atlanta
MILAN Mi I an
MILLEDGEVILLE Mi lledgevi lie
MILLEDGEVILLE Greensboro Mi lledgevi lie
MILLEDGEVILLE Milledgeville

58

APPROVED 5-13-80
12-27-84 7-16-85 7-10-85
12-14-84 12-22-88 12-12-88
6-23-87 2-14-89 3-06-81
10-05-83

NAME

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

FIRST ALABAMA BANCSHARES, INC. *First Alabama Bank of Columbus
FMB BANKING CORPORATION *First Merchants Bank
ABC BANCORP Cairo Banking Company Bank of Thomas County
*American Banking Company Bank of Quit111an The Citizens Bank of Tifton
THE ESOP & TRUST OF SOUTHWEST GEORGIA FINANCIAL CORP. SOUTHWEST GEORGIA FINANCIAL CORPORATION *Moultrie National Bank
THE NASHVILLE HOLDING COMPANY Adel Banking Company
*The Citizens Bank
UN I TED BANKSHARES, INC. *The United Banking Company
THE PRUDENTIAL INSURANCE COMPANY OF AMERICA The Prudential Savings Bank, FSB PRUCO, INC. *The Prudential Bank and Trust Company
FIRST GW I NNETT BANCSHARES, INC. *First Gwinnett Bank
FIRST SECURITY CORPORATION *First Security National Bank

MONTGOMERY Columbus
MONT I CELLO, FL Thomasvi lie
MOULTRIE Cairo Coolidge Moultrie Quitman Tifton
MOULTRIE MOULTRIE Moultrie
NASHVILLE Adel Nashvi lie
NASHVILLE Nashvi lie
NEWARK, NJ Cartersv i I Ie NEWARK, NJ Atlanta
NORCROSS Norcross
NORCROSS Norcross

59

APPROVED 7-24-91
11-25-86 3-23-81
12-02-92 11-18-80
5-16-85
4-23-85 6-27-83 6-27-83 7-20-90 9-14-89

NAME

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

IRWIN BANKCORP, INC. *The Bank of Oci I Ia, Georgia

PATTERSON BANKS HARES, INC. *The Patterson Bank

FAYETTE COUNTY BANCSHARES, INC. *Fayette County Bank

PNB BANK SHARES, INC. *Peachtree National Bank

PBC BANCSHARES, INC. *Pelham Banking Company

CROSSROADS BANCSHARES, INC. *Crossroads Bank of Georgia

TATTNALL BANCSHARES, INC. *The Tattna I I Bank

GEORG I A COMMUNITY BANCORP, Bank of Terre I I Commercial State Bank
*The Citizens State Bank

INC.

BRYAN BANCORP OF GEORGIA, INC. *Bryan Bank & Trust

CIRCUIT CITY STORES, INC. *First North American National Bank

NW SERVICES CORPORATION *Northwest Georgia Bank

OCILLA Oc i I I a
PATTERSON Patterson
PEACHTREE CITY Peachtree City
PEACHTREE CITY Peachtree city
PELHAM Pelham
PERRY Perry
REIDSVILLE Reidsville
REYNOLDS Dawson Donalsonvi I Ie Reynolds
RICHMOND HILL Richmond Hi I I
RICHMOND, VA Marietta
RINGGOLD Ringgold

60

APPROVED 9-24-84 1-17-86 6-29-89 4-18-89
10-25-90 6-02-92 3-03-86
10-25-84
8-11-89 7-27-90 12-14-83

NAME

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

TARA BANKSHARES CORPORATION *Tara State Bank
FIRST COMMUNITY BANCSHARES, INC. *First Rome Bank
FIRST SUNBEL T BANKS HARES, INC. *The Georgia State Bank of Rome
STATE MUTUAL INSURANCE COMPANY STATCO, INC. *Home Federal Savings Bank
ROSSVILLE BANKSHARES, INC. *Rossv i I Ie Bank
NORTH FULTON BANCSHARES, INC. *M i I ton Nation a I Bank
SOUTHERN BANK GROUP, INC. *The Northside Bank & Trust Company
METRO FINANCIAL CORPORATION *Metro Bank
SARDIS BANK SHARES, INC. *Bank of Burke County
THE SAVANNAH BANCORP, INC. *The Savannah Bank National Association
SB&T CORPORATION *Smyrna Bank & Trust Co.

RIVERDALE Riverdale
ROME Rome
ROME Rome
ROME ROME Rome
ROSSVILLE Rossville
ROSWELL Roswe I I
ROSWELL Roswe I I
SANDY SPRINGS Sandy Springs
SARDIS Sardis
SAVANNAH Savannah
SMYRNA Smyrna

61

APPROVED 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
10-22-87

NAME

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

BUTTON GWINNETT FINANCIAL CORP *Button Gwinnett National Bank THE GWINNETT FINANCIAL CORPORATION *The Bank of Gwinnett County
GEORG IA CENTRAL BANCSHARES, INC. *Georgia Central Bank
SOPERTON NAVAL STORES, INC. 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 BANK SHARES OF HENRY COUNTY, INC. *The First National Bank of Henry County
CENTRAL BANKING COMPANY *The Central Bank

SNELLVILLE Snellville LAWRENCEVILLE Lawrencev i I Ie
SOCIAL CIRCLE Social Circle
SOPERTON SOPERTON Soperton
ST.SIMONS ISLAND Brunswick
STAMFORD, CT STAMFORD, CT STAMFORD, CT Roswe I I
STATESBORO Statesboro
STATESBORO Metter Statesboro
STOCKBRIDGE Stockbridge
STOCKBRIDGE Stockbridge
SWAINSBORO Swainsboro

62

APPROVED 7-30-87
11-03-87 9-06-84 7-01-92 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
SWAINSBORO BANKS HARES, INC. *The Citizens Bank of Swainsboro
SCREVEN BANCSHARES, INC. *Farmers and Merchants Bank
FIRST BANK HOLDING COMPANY *Sylvester Banking Company
WCG BANCSHARES, INC. *West Central Georgia Bank
ALL I ED BANK SHARES, INC. Bank of Morgan County Bank of Mi lien
*Allied Bank of Georgia
TIFTON BANKS, INC. *Tifton Bank & Trust Company
TR I-STATES BANKSHARES, INC. *Bank of Dade
TAG BANCSHARES, INC. *Citizens Bank and Trust, Inc.
SUMMERY ILLE/TR ION BANCSHARES, INC. *First National Bank of Chattooga County
EAGLE BANCSHARES, INC. *Tucker Federal Savings and Loan Association

SWAINSBORO Swainsboro
SWAINSBORO Swainsboro
SYLVANIA Sylvania
SYLVESTER Sylvester
THOMASTON Thomaston
THOMSON Madison Mi II en Thomson
TIFTON Tifton
TRENTON Trenton
TRENTON Trenton
TRION Summerv i I Ie
TUCKER Tucker

63

APPROVED 8-25-86 5-27-92
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

NAME

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

MOUNTAIN HOLDING CORPORATION *Mountain National Bank
MIDDLE GEORGIA BANKSHARES, INC. *Citizens Bank
ALTAMAHA BANCSHARES, INC. *Aitamaha 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
VIDALIA BANKSHARES, INC. *First Community Bank of Vidalia
DOOL Y BANCSHARES, INC. *Bank of Dooly
VILLA RICA BANCORP, INC. *Bank of Vi I Ia Rica
CB FINANCIAL CORP. *Citizens Bank
WASHINGTON/WILKES HOLDING COMPANY *Farmers and Merchants Bank
WB&T BANK SHARES, INC. *Waycross Bank & Trust

TUCKER Tucker
UNADILLA Vienna
UVALDA Uvalda
VALDOSTA Adel Valdosta
VALDOSTA Valdosta
VIDALIA Vida I i a
VIDALIA Vida I i a
VIENNA Vienna
VILLA RICA Vi I Ia Rica
WARRENTON Warrenton
WASHINGTON washington
WAYCROSS Waycross

64

APPROVED 4-24-91
10-31-83 11-03-80
8-02-82
11-29-90 1-26-90 5-27-92 4-03-85 8-15-86 1-09-86 3-20-86
11-22-89

NAME

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

FIRST BURKE BANKING COMPANY *The First National Bank of Waynesboro
FIRST BANK SHARES OF WEST PO I NT, 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 BAN CORP, INC. *Talbot State Bank
FIRST CHEROKEE BANCSHARES, INC. *First National Bank of Cherokee
NORTH GEORG I A NATIONAL BANCSHARES, INC. *North Georgia National Bank
CSRA BANK CORP. *First State Bank
WRIGHTSVILLE BANCSHARES, INC. *Bank of Wr i ghtsv i I I e

WAYNESBORO Waynesboro
WEST POINT West Point
WILLACOOCHEE Wi 1 I acoochee
WINDER Winder
WINDER Winder
WOODBURY Woodbury
WOODLAND Woodland
WOODSTOCK Woodstock
WOODSTOCK Woodstock
WRENS Wrens
WRIGHTSVILLE Wrightsvi lie

NOTE: Bank and S&L Subsidiaries Located in Other States Are Omitted

65

APPROVED 2-26-86 7-13-83 9-18-80
10-24-89 11-17-83 12-08-83
5-02-88 12-20-88
6-12-89 5-14-90 11-03-86

PARENT ORGANIZATION NationsBank of Georgia, 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, Funds Management P.O. Box 4148 Mai I Code 400 Atlanta, GA 30302
International Division P 0 Box 4418, Ma i I Code 062 Atlanta, GA 30302
International Division 245 Peachtree Center Ave., NE, Suite 2120 Atlanta, GA 30303-1204
International Division P 0 Box 4387 - Mai I Code 78 Atlanta, GA 30302

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

66

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

REGISTRANT
Col lateral Mortgage, Ltd. 1900 Crestwood Boulevard Birmingham, AL 35210
Central Bank of the South 701 South 20th Street Birmingham, AL 35233
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 of I I I i no is P.O. Box 128 Champaign, IL 61824-0128
Great Western Financial Corporation 9200 Oakdale Avenue Chatsworth, CA 91311
Cohutta Banking Company P.O. Box 10 Chatsworth, GA 30705

NAME AND LOCATION
*Col lateral Mortgage, Ltd. 5651 Whitesvi I le Road Suite 109 Columbus, GA 31090
Central Fiduciary Services, Ltd., Inc.
1925 Century Blvd. Suite 4 Atlanta, GA 30345
*The First National Bank of Boston 400 Perimeter Center Terrace Suite 745 Atlanta, GA 30340
State Street Bank & Trust Company Monarch Plaza Building, 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
*Great Western Mortgage Corporation 861 Holcomb Bridge Road Suite 200 Roswel I, GA 30076
Cohutta Banking Company 2705 Airport Road Dalton, GA 30722

67

MANAGING OFFICER, TELEPHONE NO.
Linda G. Garnto Mortgage Officer 404-576-4352
Mark Frost Managing Officer 404-982-0248
James A. Mahoney Division Executive 404-393-4676
Kent D. Mitchell Vice President 404-364-9500
Dennis L. Fish Managing Officer 404-264-1200
Michael P. McCray Managing Officer 404-256-1447
Bruce Younger Managing Officer 404-998-2182
Edward Lewandowski Managing Officer 706-695-9431

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

REGISTRANT Sears, Roebuck and Company Sears Tower Chicago, IL 60684
Continental Bank, N.A. 231 South LaS a I Ie Street Chicago, IL 60697
Bane One Leasing Corporation 2400 Corporate Exchange Drive Suite 300 Columbus, OH 43231 Bane One Corporation 100 East Broad Street Columbus, OH 43271
Bluebonnet Savings Bank FSB 3100 Monticello P.O. Box 8400 Dallas, TX 75205-0400 J.C. Penney Company, Inc. P . 0. Box 1000 1 Dallas, TX 75301-0001
First Interstate Bank of Denver, NA 633 Seventeenth Street Denver, CO 80202
Bank United of Texas, FSB 3200 Southwest Freeway Suite 2000 Houston, TX 77027

NAME AND LOCATION *AI lstate Insurance Group
AI Istate Insurance 7000 Central Parkway Suite 700 Atlanta, GA 30328 Continental Bank, N.A. 950 East Paces Ferry Road Suite 3375 Atlanta, GA 30326 Bane One Leasing Corporation 9755 Dogwood Rd Roswel I, GA 30075
Bane One Financial Services, Inc. 2359 Windy Hi I I Rd Suite 210 Marietta, GA 30067 Bluebonnet Mortgage Servicing
Division 1100 Johnson Ferry Road Suite 1050 Atlanta, GA 30342 J.C. Penney Company, Inc.
Southeastern Region 1000 Abernathy Rd, NE Atlanta, GA 30328 First Interstate Bank 400 Colony Square, Suite 1006 1201 Peachtree Street Atlanta, GA 30361 *Bank United of Texas, FSB 4 Concourse Parkway Suite 100 Atlanta, GA 30328

68

MANAGING OFFICER, TELEPHONE NO.
Mike Foley Managing Officer 404-885-3575
G. Robert Muehlhauser Managing Officer 404-364-3300
Charles Litt Managing Officer 404-642-2430
Larry G. Seymour Managing Officer 404-984-9082
Dorothy Cantre I I Managing Officer 404-303-8300
R. H. Seaman Regional President 404-397-5600
B. Jane Fortson Managing Officers 404-881-8221
Robert Odom Managing Officer 404-698-6020

REGISTRANT
Eastern Savings Bank, FSB 11350 McCormick Road Suite 200 Executive Plaza I I Hunt Valley, MD 21031
Merri I I Lynch Trust Company 121 West Forsyth Street Suite 700 Jacksonvi I le, FL 32202
Savings Financial Corporation P.O. Box 618 Lake Jackson, TX 77566
Vine Street Trust Company 360 East Vine Street Lexington, KY 40507
Capital Guardian Trust Company 333 South Hope Street 52nd Floor Los Angeles, CA 90071
IDS Deposit Corp. 6985 Union Park Center Midvale, UT 84047
Chemical Banking Corporation 270 Park Avenue New York, NY 10017
Citicorp Services, Inc. 399 Park Avenue New York, NY 10043

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
Merri I I Lynch Trust Company 100 Abernathy Road Suite 700, Bui Iding 400 Atlanta, GA 30328-5602
American Savings Mortgage Corporation
1899 Powers Ferry Road Suite 420 Marietta, GA 30067 VST Financial Services, Inc. 5901-C Peachtree Dunwoody Rd Suite 420 Atlanta, GA 30328
Capital Guardian Trust Company Promenade I I, Suite 2550 1230 Peachtree Street Atlanta, GA 30309
*IDS Financial Services Inc. 1200 Ashwood Parkway Suite 150 Atlanta, GA 30338
*Chemical Financial Services Corporation
375 Northridge Road Atlanta, GA 30350
*Citicorp North America, Inc. (& Affi I iates)
400 Perimeter Center Terrace Suite 600 Atlanta, GA 30346
69

MANAGING OFFICER, TELEPHONE NO.
Michael D. Surgen Managing Officer 404-248-1310
Lawrence H. Taylor Regional Trust Rep. 404-392-6680
Rex Hagood Managing Officer 404-980-0502
Kenneth E. Moore Managing Officer 404-551-8822
Fred R. Betts Senior Vice President 706-607-6868
Raymond E. Carothers, Jr. Managing Officer 404-396-7840
Wi I I iam A. Perkins Asstistant Vice President 404-395-1990
Lee Sewe I I Managing Officer 404-668-8106

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

REGISTRANT
Industrial Bank of Japan Trust Company (The)
245 Park Avenue 22nd Floor New York, NY 10167-0037
MBNA Corporation 400 Christiana Road Newark, DE 19713

NAME AND LOCATION
The Industrial Bank of Japan Trust Atlanta Rep Office
One Ninety One Peachtree Tower 191 Peachtree Street, N.E. Suite 3600 Atlanta, GA 30303-1757
MBNA Consumer Services, Inc. 2600 Century Parkway, NE Atlanta, GA 30345

AmSouth Bank of Florida 70 N. Baylen Street Pensacola, FL 32501
Mel Ion Bank Corporation Mellon Bank Center Pittsburgh, PA 15259-0003
Fleet/Norstar Financial Group, Inc. 50 Kennedy Plaza Providence, Rl

AmSouth Commercial Real Estate Corporation
570 Colonial Park Drive Suite 303 Roswel I, GA 30075
Mel Jon Financial Services Corp Atlanta Regional Lockbox
1640 Phoenix Blvd. Suite 110 Atlanta, GA 30349
*Fleet Mortgage Corp. 1775 The Exchange Suite 240 Atlanta, GA 30339

Bank of America, National Trust & savings Association
Bank of America Center, 555 California Street
P. o. Box 37000
San Francisco, CA 94137
BankAmerica Corporation Bank America NS&T
555 California Street San Francisco, CA 94104
Boatmen's National Bank of St. Louis (The)
One Boatmen's Plaza 800 Market Street St. Louis, MO 63101

*BankAmeriLease 1230 Peachtree Street, NE Suite 3600 Atlanta, GA 30309
*Security Pacific Finance Credit Corp.
2400 Lake Park Drive Suite 100 Smyrna, GA 30080
The Boatmen's National Bank of St. Louis
5696 Peachtree Parkway Suite 229 Norcross, GA 30092

70

MANAGING OFFICER, TELEPHONE NO.
Ken Kiyoshi Senior Vice President 404-524-8770
Leonard H. Kidwel I Managing Officer 302-456-8135
John W. Harrison Managing Officer 404-641-9705
Anthony Sims Managing Officer 404-994-5380
Martha Marchman Managing Officer 404-916-0404
Bi I I Lockhart Managing Officer 404-249-6918
John Underwood Managing Officer 404-433-1233
Robert L. Westfal I, Jr. Vice President 404-263-3712

REGISTRANT
Knox Mortgage Company 203 Main Street Thomson, GA 30824
Beneficial Corporation 400 Bellevue Parkway Wilmington, DE 19809
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
*Knox Mortgage Company 4129 B. Columbia Road Martinez, GA 30907
*Beneficial Georgia, Inc. 2700 Dawson Road Bui !ding 2, Suite 9 Albany, GA 31701
*Talbot State Bank 317-B Bankhead Avenue Carrollton, GA 30117

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

MANAGING OFFICER, TELEPHONE NO.
w. Tattnal 1 Thompson, 111
Managing Officer 404-868-6300
Joseph Moyel Managing Officer 912-883-4720
Jimmy Davidson Vice President 404-834-8700

71

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, NE Suite 2120, Marquis One Tower 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 1200 2727 Paces Ferry Road Atlanta, GA 30339

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 30303-1406

Paris, France

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

Zurich, Switzerland

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

Tokyo, Japan

*Agencies with no assets operate as Representative Offices only 72

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 May27, 1977
Masahiro Suzuki General Manager 404-577-2960 February 15, 1991
Samuel G. Barnes Vice President & Manager 404-859-2400 June 11, 1976
John A. Reade Vice President-Director 404-319-4999 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
Noboru Hasegawa General Manager 404-581-0200 December 01, 1987

*GEORGIA ASSETS ( In Thousands) 419,026 489,722 4,364,116 298,779
26,085 22,972
409,706

NAME AND ADDRESS

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

AGENT, TELEPHONE NO., AND DATE LICENSE ISSUED

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, 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 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 Bui Iding 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

Sanwa Bank, Limited (The) Georgia Pacific Center, Suite 4750 133 Peachtree Street, NE Atlanta, GA 30303-1821

Tokyo, Japan

*Agencies with no assets operate as Representative Offices only 73

Michael Sawicki Vice President/Manager 404-524-6544 January 03, 1990
John W. Somers Senior VP and Manager 404-524-3966 May 31, 1989
Kenji Miyamoto General Manager 404-653-2100 December 09, 1987
Ken Kiyoshi General Manager 404-524-8770 September 25, 1990
James W. Latimer Vice President & Rep 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 G. Calancie Senior Manager 404-880-5000 March 23, 1989
Shigemoto Morisaki General Manager 404-521-3111 October 05, 1990
Nobuyuki Korenaga Deputy General Manager 404-586-6880 November 14, 1984

*GEORGIA ASSETS (In Thousands) 413,303 422,135
323,304 691,486

NAME AND ADDRESS
Standard Chartered Bank Suite 500 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 30303-1235

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

AGENT, TELEPHONE NO., AND DATE LICENSE ISSUED

United Kingdom Osaka, Japan Nagoya, Japan

Farhang lmani Regional Manager 404-396-2900 October 19, 1981
Masami Sumi i General Manager 404-526-8500 March 04, 1987
Nobuhiro Kobayashi General Manager 404-880-0000 October 10, 1989

*Agencies with no assets operate as Representative Offices only

*GEORGIA ASSETS ( In Thousands) 98,340 478,579 202,447

74

NAME AND ADDRESS
Creditanstalt Atlanta Representative Office
2 Ravinia Drive Suite 1680 Atlanta, GA 30346
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 T~o Atlanta, GA 30303-1234

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

REPRESENTATIVE, TELEPHONE NO.
Robert M. Biringer Managing Officer 404-390-1850
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

75

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

NAME OF LICENSEE

American Express Travel Related Services Barnett Check Services, Inc. Certified Express Circle K Money Order Corporation Citicorp 8: Citicorp Service, Inc. Comdata Network, Inc. Eagle Express Money Orders Fidelity Express Money Order Company Global Express Money Orders, Inc. lnterpayment Services Limited Mid-America Money Order Company North American Money Order Company, Inc. Ruesch I nternat ion a I, Inc. Societe Francaise du Cheque de Voyage Swiss Bankers Travellers Cheque Centre Thomas Cook Currency Services, Inc. Thomas Cook, Inc. Travelers Express Company, Inc. Travellers Cheque Associates, Ltd. U. S. Express Money Order Western Union Financial Services, Inc.

Company,

Inc.

LOCATION
New York, NY Jacksonv i I I e, FL Smyrna, GA Phoenix, AZ Chicago, IL Brentwood, TN Savannah, GA Sulphur Springs, TX Silver Spring, MD New York, NY Louisville, KY Atlanta, GA New York, NY New York, NY New York, NY Atlanta, GA Princeton, NJ Minneapolis, NM New York, NY Stone Mountain, GA Upper Saddle River, NJ

NO. OF GA AGENTS
1086 43 44
1 19 558 468
13 84 203 194 26 214
21
6 5 85
1707 27 42
527

NOTE: All State and National Banks, Federal Savings and Loan Association, 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 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.

76

GEORGIA CREDIT UNION DEPOSIT INSURANCE CORPORATION STATEMENT OF ASSETS AND LIABILITIES

12-31-92

ASSETS

cash in Bank.

$

38,901

Investments - Certificates of Deposit, etc. 5,744,187

Due from Members.

-0-

Due from Credit Unions in Liquidation

559,876

Fixed Assets.

2,431

Other Assets.

520,686

TOTAL ASSETS.

$ 6,866,081

12-31-91

$

68,985

16,815,1~89

-0-

202,055

6,300

521,594

$17,614,423

LIABILITIES, RESERVES, CAPITAL Mi see I I aneous Accounts Payab I e. Reserve Against Insurance Liabilities Capital - Members' Paid-in Fees .
TOTAL LIABILITIES, RESERVES, CAPITAL.

$

9,854

6,660,447

195,780

$ 6,866,081

$

26,836

8,386,632

9,200,955

$17,614,423

NOTE: All Credit Unions Operating in Georgia are now insured by the National Credit Union Administration.

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

At I anta

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

Atlanta

5-15-81

GCUDIC $ 5,588.24
-0-0-
rco-

9-23-76

GCUDIC $22,257.64
-0-
-o-

DDI Employees' Credit Union Unpaid Claims Estimated Value of Remaining Assets

Dalton

7-29-80

GCUDIC $ 461.00
-0-

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

Fayettevi lie

7-13-88

GCUDIC $202,093.00
322.00 $201,884.00

Check Cashers (O.C.G.A. 7-1-700)

CITY Albany Albany Albany Athens Athens 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 Atlanta Atlanta

APPLICANT NAME *Ace's Liquors', Inc.
J aXX L i quo r s , Inc . Sadler Check Cashing of Albany, Arthur J. Floyd Classic Cash, Inc. Defo, Inc. Timothy Eze Otuonye *Young C. Son Ae Sok Chang Alabama Checkcashers, Inc. *A I ex Supermarket, Inc. Archie S. Wu Atlanta Cash It Here, Inc. Atlanta Check Cashers, Inc. *B & W Supermarket, Inc. B&B Checking, Inc. Bankhead Liquors Store, Inc. Brian Y. Choi Cash Depot, Inc. Chae Hun Shim Check Cas hers, Inc. 3 Check It Out, Inc. Checks Unlimited, Inc. Chek Cash, Inc. Choi Kwang Woong Dennis B. Lee Do I I i e Me I Is *Edward C. Shim Federal Financial Centers, Inc. First Pryor Corporation *Five Star Supermarket, Inc. Fulton Beverage Center, Inc. Greenbacks, Inc. H. Y., Inc. *Han & Chang Enterprises, Inc. Hare & Sheth, Inc. International Monetary Systems, J&J Check Cashing, Inc. *J&M Enterprises, Inc.

Inc. Inc.

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

79

TRADE NAME Ace's Liquors', Inc. Jaxx Beer and Wine Mr. Money Check Casher Floyd's Package Store Classic Cash, Inc. Chase Street Package Express Check Cashing Center 4 Tigers Bankhead Supermarket AAA Checkcashers, Inc. AIex Supermarket, Inc. U.S.A. Package Store Atlanta Cash It Here, Inc. Atlanta Check Cashers, Inc. B & W Supermarket, Inc. Checks Unlimited #3 Tower Package Store Hunter Hi I I Supermarket Cash Depot D & M Liquor Store Check Cashers, Inc. #1 & #3 Check It Out, Inc. Checks Unlimited #1 Chek Cash West End Food Mart Five Points Variety ADR Financial Services Atlanta Package Store Federal Financial Centers, Inc. Pryor Liquor Store Five Star Supermarket, Inc. Fulton Beverage Center, Inc. Greenbacks, Inc. H. Y., Inc. Stewart Avenue Liquor Store Flags Liquor Store Check-X-Change Checks Unlimited #2 Little Five Point Liquor

Check Cashers (O.C.G.A. 7-1-700)

CITY 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 Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta

APPLICANT NAME Jack Raymond Halfon *Jae Ook Choi *Jae Yong Kim *Jai Man Yoon Jerry's Pawn Shop, Inc. *Jim Sun Sung *Jin Tae Yum *Jinik Yim Joong Hyun Yu *Jung B. Lim Kleem Enterprises, Ltd. *Kwang-Jun No *Kwon and Han, Inc. *Kwon's Package Store, Inc. *L & Y Foods, Inc. *Liberty- Prosperity, Inc. Michael George Ware, Sr. *Moon S. Kim N. N. B., Inc. Northco, Inc. *Northside Beverage and Food, Inc. Northside Corp. *Park's At Iant a Avenue Grocery, Inc. Pong C. Shin *Pu Sik Noh Randy T. Richardson *S. V. R. , Inc. Sadler Check Cashing of Atlanta, GA, *Sang Hwa Jung Second & Boulevard, Inc. *Seung W. Lee *Shoppers Market *Shoppers Market, Inc. *Sok Hui Yi *Soon Heung Chun Sudesh Loomba *Sun G. Choi *Sung Uk Kim Tesfa Inc.

Inc.

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

80

TRADE NAME Bim's Liquor Store Windsor Supermarket No. 1 Supermarket Southeast Package Store Jerry's Pawn Shop B & H Liquor Store Winston's Grocery Peachtree Towers Package Store DouAna Package Store Denny's Super Value Moreland Check Cashing Star Liquor Store Economy Thriftown Kwon's Package Store Super Giant Food Skyland Beverage Center M & R Check Cashing Co. Oasis Curb Market Ajax Beverage Center Brookhaven Liquor, Beer and Wine Depot Joe's Liquor Tower Beer & Wine Joe's Grocery Store Esquire Liquor Store Arrow Liquor Store Randy's Quick Stop Char I i e 's Package Store Mister Money Check Casher J & J Grocery Town & Country Fami Iy Supermarket Shoppers Market Shoppers Super Market, Inc. Pryor Road Supermarket Techwood Grocery Check Cashing Alewine Grocery Store Broadway Package Store Cash-A-Check Plus

Check Cashers (O.C.G.A. 7-1-700)

CITY Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Augusta Augusta Austell Austell Braselton Brunswick Brunswick Calhoun Calhoun Cam i I I a Canton Cartersvi lie Chamblee Chamblee College Park College Park College Park College Park College Park College Park College Park Columbus Columbus Columbus
Columbus Columbus Conley Conyers Conyers Covington

APPLICANT NAME Tom Howell & Associates, Inc. Tri J, Inc. Vishal Investments, Inc. Wi II iam Todd Corley *Woo Suk Park Zemui Gebrechristos 15 Moreland Corporation 365 Cleveland Inc. *556 Service Store, Inc. Danny Allen Newman, Inc. R & L Johnson, Inc. Express Check Cashing, Inc. Sanish, Inc. Phi I I i p Underwood Golden Isles Pharmacy, Inc. *H & M Pharmacy Mi chae I Stan McEntyre *Raymond J. Brown Russe I I Watson *Tommy Stanse 1 & C I au de J. Stanse I, Jr. Liberty Check Cashers of Cartersvi lie, Brass Investments Inc. Jung Ho Kim C-Park, Inc. Cash N Go, Inc. *Do H. Kim *James C. Kang Lee I in, Inc. *The Big Enterprises, Inc. USA Cash, Inc. Booker & Cooper, Inc. *Griggs, Inc. Hendrix Foods, Inc. James G. Watson Steve's Check Casher, Inc. Wood's Package Store, Inc. *Jasper's Liquor Cabinet, Inc. The Check Mart, Inc. Adolphus Lester, Sr.

Inc.

TRADE NAME Money World Kala's Package Airport Package Store The Money Depot Financial Services King's Food Store Banks Liquor Store MW Liquors Old South Package Store 556 Package Store Check-X-Change 56 Package Shop Express Check Cashing Mr. Check Casher Braselton Pawn and Check Cashing Golden Isles Pharmacy H & M Pharmacy Cash In A F Iash J.J. 's Package Store Watson's Supermart Top Shop Liberty Check Cashers Two Guy's Package Store
S & s Bottle Shop
C-Park Cash N Go, Inc. Best Supermarket Parkway Package Store Ki I roy's Beer & Wine Big Super Valu USA Cash B & C Beverages Money Back Food Store #23 Jack's Grocery Check Cashers Mr. Check Casher Wood's Package Store, Inc. Jasper's Liquor Cabinet, Inc. The Check Mart, Inc. Covington Check Cashing

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

81

Check Cashers (O.C.G.A. 7-1-700)

CITY Covington Cusseta Da I I as Decatur Decatur Decatur Decatur Decatur Decatur Decatur Decatur Decatur Decatur Decatur Decatur Decatur Doravi I Ie Doravi le Doravi le Doravi le Doravi le Douglasvi lie Douglasvi lie Doug Iasvi Ie Duluth East Point East Point East Point East Point Forest Park Forest Park Forest Park Forest Park Forest Park Fort Valley Gainesvi lie Gainesvi le Gainesvi le Griffin

APPLICANT NAME MCS Investments, Inc. *Coleman Enterprises, Inc. Barry K & Debora L. Puckett *Chul Lee Glenwood Corporation H. A. Shahid & Company, Inc. Ha I 's Co I umb i a, Inc. Hal's Liquor, Inc. Kenneth AI len Patterson *Ki H. Yu *Kwong Hue Yee *M & P Corp *Myung Hoon Ji *Ray & K, Inc. Tae Sung Lee TESHAN, Inc. M. I . A. N. Inc. Peach State Check Cashing Centers, Inc. Pramit, Inc. Pritneal Investments, Inc. U.S. Check Cashing Services of Georgia, Inc. John W. Fulghum Title Exchange & Pawn of Douglasvi lie, Inc. 5 & 20 Package Store, Inc. Anndav Corporation *ABC Thrifty Supermarket, Inc. Bain, Inc. *Chang Ki Kim Ski, Inc. Express Exchange Associates, Inc. Hong Enterprises, Inc. Main Street Grocery, Inc. Sharma, Incorporated Won's Inc. *Marsha I I Young Nekam Security, Inc. *Paul H. Ahn Title Exchange & Pawn of Gainesvi lie, Inc. Northside Bottle Shop, Inc.

TRADE NAME The Check Mart Coleman's P.C.C.S. #1 Big H Food Store JA Liquors Check Cashing Financial Service Ha I' s Package Store Ha I' s Package The Check Faci I ity and Money World #3 Food Castle Grocery Store Co I Iege Inn Package Store P & N Package Store M & M Liquor Store Ray's Liquor Store Big Man Package Store Check-X-Change Tower Package Store Check-X-Change Gwinnett Convenience Store Little Farm #2 Foodmart Payroll Services of America (PSA) A-1 Check Cashing Title Exchange & Pawn of Douglasvi lie, Inc. 5 & 20 Package Store, Inc./Sack Em Up Bottle Shop Mob i Ie Monetary 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 Bottle Shop Young's Super Foods Georgia Checks Queen City Package Store Title Exchange & Pawn of Gainesvi lie, Inc. Sam's Check Cashing Store

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

82

Check Cashers (O.C.G.A. 7-1-700)

CITY Hapevi le Hinesvi le Hinesvi le Hinesvi le Hinesvi le Hinesvi le Jonesboro Jonesboro Jonesboro Jonesboro Kennesaw Lawrencev i Ie Lawrencev i Ie Lawrencev i Ie Lawrencev i Ie LaGrange LaGrange Lilburn Lithonia Macon Macon Macon Macon Macon Macon Marietta Marietta Marietta Marietta Marietta Marietta Marietta Marietta Marietta Marietta Milledgevi I Ie Newnan Norcross Norcross

APPLICANT NAME RONIR, Inc. Briscoe Enterprises, Inc. James Roberson Lawrence Raymond Hammock Ms. Money Financial Services Inc. Pau I Jack Kerr Carey D. Moss Jay Enterprises, Inc. *Soon Ja Choe The New Check Cashing Store, Inc. Shawnee Mechnical Contractors, Inc. Danko Quik Cash, Inc. F. Thomas James - Gwinnett Check Cashers N&l Enterprises, Inc. Raymond Andrew Bradberry *Billy L. Bishop *Richard Fuller *Billy Ray Cole Erin Young ae Lee Bo Hui Lee *Estate of Clyde F. McCook Joseph B. Kendrick Mr. Money Check Casher of Macon *Westend Package Store, Inc. William Robert Parrish Anjay Corp. Avis 1. DiStefano *Chae Yong Yang Convenient Check Cashers, Inc. Joseph Colbert, Jr. *Jung Ja Lee Jupiter Enterprises, Inc. Marietta Market, Inc. Michael Salomon/Bernard Cass *Mohammad Shahlaie Chester L. Gunby *Casey Kim Community Business Center, Inc. E-Z Check Cashing, Inc.

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

83

TRADE NAME Galanti's Package Store The Money Man Mr. Cash Sportsman Package and Party Package Ms. Money Paul Jack Kerr Check Cashing Moss Pawn & Tackle Shop Herbert's Food Mart Big H Amoco The New Check Cashing Store Two Guys' 101 Package Store Quik Cash, Check Changers I Gwinnett Check Cashers Spur Raymond Andrew Bradberry Poor Boy Grocery #2 Fu I Ier 1 s Superette Cole's Service Station Young's Supermarket ABC Liquor Store Busy Corner Liquor Store Riverside Check Cashing Mister Money Check Casher Westend Package Store The Jewelry Box Dick's Package Store Check Express 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 Be I Is Ferry Package Store Cash for Checks Papa Joe's Food Store Community Business Center, Inc. E-Z Check Cashing

CITY Norcross Red Oak Riverdale Riverdale Rome Rossville Roswe I I Savannah Savannah Savannah Savannah Savannah Savannah Savannah Savannah Smyrna Smyrna Smyrna Smyrna Smyrna Stockbridge Stockbridge Sylvania Talbotton Tenni lie Tucker Tucker Union City Valdosta warner Robins Waycross Waynesboro woodstock

Check Cashers (O.C.G.A. 7-1-700)

APPLICANT NAME Minesh, Inc. *Winn-Dixie Store #1893 Riverdale Bottle Shop, Inc. S & V Check Cashing, Inc. Cash-A-Check Qui k, Inc. Money Exchange, Inc. EMK Group, Ltd. Alan M. Sadler Blake's Chevron Self Service, Inc. Harry's Liquorama, Inc. Mickey's Package Shops, Inc. *Orin Cruse Inc. *St i Ies Avenue Quick and Package Shope Tyrone E. Shurl ing Wheaton Liquor's, Inc. A G Investments, Inc. ACE Cash Express, Inc. Di cheve Company, Inc. Liquid Gold, Inc. *Ramin Torabi Chek-Express, Inc. TND, Inc. Thomas R.Biackburn *Hamp's, Inc. *Martin Terry Lord *JAI International, Inc. National Check cashers Corporation A&M Enterprise Inc. AAA Cash-A-Check, Inc. Tim Thomas & Pansey Thomas *Paul Boatright DeLaigle Check Cashing Co., Inc. Liberty Check Cashers of GA, Inc.

TRADE NAME Pop Top Package & Deli Winn Dixie Store #1893 New South Package Store Check Cashing Cash-A-Check Quik, Inc. Check-X-Change Mobile Monetary Mister Money Check Casher Blake's Chevron Self Service Harrys Liquorama Mickey's Package Shop Augusta Ave Package Shop C.D.C. Beverage Desoto Grocery Check Cashing Bubba's Check Cashing Check-X-Change ACE America's Cash Express Cash Plus Doc's Wines and Spirits Ray's Package Store Mob i I e Monetary Stockbridge Check Cashing Screven county Co I Iect ion Agency Hamp's, Inc. Sleepy's Package Store Pardner's Two Liquor Store National Check Cashers Corporation Shannon Beverage Outlet National Check Cashing Parkway Bonding Co. Edd's Package Store DeLaigle Check Cashing Co., Inc. Liberty Check Cashers

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

84

SUMMARY OF ACTIVITIES OF STATE CHARTERED FINANCIAL INSTITUTIONS 1992

FINANCIAL INSTITUTION BANKS

TOTALS

!JANUARY 1,

I

I

I

331

1992

OPENED
!REGISTERED
I LICENSED I I

CONVERTED
+2 -1

SAVINGS BANKS

TRUST COMPANIES

BUSINESS DEVELOPMENT CORPORATIONS

SAVINGS & LOANS BRANCH BANKS,
BANK OFFICES AND FACILITIES

580

23

+1

CREDIT UNIONS

115

FINANCIAL

HOLDING COMPANIES

234

16

CHECK SELLERS

19

3

CHECK CASHERS

249

44

DOMESTIC

INTERNATIONAL BANKING

FACILITIES

6

REPRESENTATIVE OFFICES

OF OUT-OF-STATE BANKS

34

5

INTERNATIONAL BANK

AGENCIES

24

INTERNATIONAL BANK

REPRESENTATIVE OFFICES

4

FAILED/ ACQUIRED
-2
-4

MERGED -4
-5

CLOSED LIQUIDATED DEREG I STEREO

TOTALS

!DECEMBER 31,

I

I

I

326

1992

-13

582

-8

107

-14

236

-1

21

-65

228

-1

5

-4

35

-1

23

5

85