Seventy-fourth annual report, 1993

1993
Seventy-Fourth ANNUAL REPORT

Department of Banking and Finance
State of Georgia

ZELL MILLER Governor

DEPARTMENT OF BANKING AND FINANCE
STATE OF GEORGIA ATLANTA
SEVENTY-FOURTH ANNUAL REPORT YEAR ENDING DECEMBER 31, 1993
E. D. "JACK" DUNN COMMISSIONER
STEVEN D. BRIDGES DEPUTY COMMISSIONER

HISTORY OF THE DEPARTMENT
1919 ... 1993

The Department of Banking and Finance was created by the Ex-
ecutive Reorganization Plan of 1972 as successor to the Depart-
ment of Banking. In addition to changing the name of the Department this reorganization also provided for the Department to be headed by a Commissioner as successor to the former Superintendent of Banks and transferred to the Department the supeNision of State-Chartered building and loan associations. 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 incorporation of banks and the regulation of the business of banking. In 1974 the Banking Laws were subject to substantial re-codification in the form of the Financial Institutions Code of Georgia which became effective April 1. 1975. 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 Check Act (1965); The Fiduciary
Investment Company Act (1970); International Bank Agency Act (1972); Georgia Business Development Corporation Act (1972); Regulation of Check Cashers (1990); and the Georgia Residential Mortgage Act (1993). Provisions of Title 7 of the Code of Georgia relating to Branch Banking and Bank Holding Companies were substantially amended effective July 1. 1976. to permit multi-bank holding companies under Department supeNision. Bank holding companies have been permitted to expand within a ten state southeastern region under the Department's supeNision.

TABLE OF CONTENTS

History of the Department
Personnel
Official Roster . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 District Personnel ....................................... 3 Current Staff Photos .................................... 5
Examination District Work Area Map . . . . . . . . . . . . . . . . . . . . . . 13
Receipts and Disbursements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Summary of Condition and Structural Changes . . . . . . . . . . . . . . 15
Summary of Activities of State Chartered
Financial Institutions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Financial Holding Companies and Their Financial Subsidiaries . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
Banks
Abstract of Reports of Condition of State and National Banks .............................. 39
Comparative Statement of Earnings and Expenses of State and National Banks .................... 40
List of State and National Banks .......................... 41 Branch Banks ........................................ 56
Domestic and International Banks
Representative Offices of Out-of-State Banks ................ 61 Loan Production Offices ................................ 68 International Bank Agencies ............................. 69 International Bank Representative Offices .................. 72 Domestic International Banking Facilities ................... 73

Credit Unions
Abstract of Reports of Condition of State Credit Unions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 74
Comparative Statement of Earnings and Expenses of State Credit Unions . . . . . . . . . . . . . . . . . . . . . . . . . . . . 75
List of State Credit Unions . . . . . . . . . . . . . . . . . . . . . . . . . . . . 76
Residential Mortgage Brokers, Lenders, Registrants . . . . . . . . 80
Check Casher Licenses Issued . . . . . . . . . . . . . . . . . . . . . . . . 11 0
Sale of Checks or Money Order Corporations . . . . . . . . . . . . 11 7
Georgia Credit Union Deposit Insurance Corporation Statement of Assets and Liabilities . . . . . . . . . . . . . . . . . . . . 118
Receivership Liquidations ............................ 118
Applications
Applications for Financial Holding Company Subsidiaries to Merge Across County Lines .............. 119
Applications to Become a Financial Holding Company and/or Acquire Voting Stock of a Financial Institution ................................ 120
Financial Institution Mergers . . . . . . . . . . . . . . . . . . . . . . . . . . 124 Applications for New Financial Institutions ............... 126 Financial Institution Conversions . . . . . . . . . . . . . . . . . . . . . . . 126 Applications to Establish a Bank Office, Branch, or
Facility, and Permits to Begin Business ................. 127 Applications to Change Location ..................... 131 Applications for Sale of Checks or Money Orders ......... 134 Notice of Change in Name .......................... 135 Applications for Reservation of a Name ................ 136 Miscellaneous Applications .......................... 138
State-Chartered Banks in Liquidation . . . . . . . . . . . . . . . . . . . 138
Legal Holidays . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 139

OFFICIAL ROSTER
As of April 1, 1994
E. D. DUNN Commissioner

STEVEN D. BRIDGES, CFE Deputy Commissioner
AMELIA W. BAKER ........................................................ Legal Counsel Susan Brown, Administrative Assistant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 986-1620

ADMINISTRATIVE DIVISION
Personnel, Accounting and Budget, Training, EDP Operations, Clerical Support, Currency Transaction Report Processing

REECE V. MORRIS, CFE, Deputy Commissioner for Administration ............................. 986-1640 DAVID M. HANCOCK, CFE, Deputy Commissioner for Administration . . . . . . . . . . . . . . . . . . . . . . . . . . 986-1640

Melinda G. Kinard, CFE, Director of Training, EDP ..................................... 986-1649 Ralph J. Shire, CFE, Assistant Deputy Commissioner ................................... 986-1383 Dianne Blackstone, Programmer Analyst . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 986-1648 Sophia E'lom, Computer Operator ................................................ 986-1651

Marilyn Harris, Principal Accountant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 986-1641 Renate Carroll, Accounting Technician II ........................................... 986-1632

Maggie Smith, Personnel Manager . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 986-1638

Sonja Hencely, Office Supervisor, Senior . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 986-1621

Cathy Morris, Senior Secretary Typist . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 986-1633 Bonnie Steele, Senior Secretary Typist .............................................. 986-1633

Wanda Hardman, Clerk Transcriber, Currency Transaction Reports . . . . . . . . . . . . . . . . . . . . . . . 986-1624

Henry "Hank" Tam, Storekeeper

986-1622

1

SUPERVISORY DIVISION
Bank, Thrift, Holding Company, and International Bank Supervision, Investment Securities Reports of Apparent Criminal Irregularity, Consumer Affairs, Technical and Legal
DAVID G. SORRELL, CFE, Deputy Commissioner for SupeNision . . . . . . . . EASTERN . . . . . . . . . . . . . . . 986-1629 Grace M. Lurry, CFE, Assistant Deputy Commissioner . . . . . . . . . . . District 2 . . . . . . . . . . . . . . . 986-1646 TeNenia Mitchiner, Senior Secretary Typist .......................................... 986-1657
Wayne M. Orr, CPA Assistant Deputy Commissioner . . . . . . . . . . . District 4 ............... 986-1637 Sandra Sheley, CFE, Assistant Deputy Commissioner . . . . . . . . . . . District 6 . . . . . . . . . . . . . . . 986-1636 Merion Johnson, Senior Secretary Typist ............................................ 986-1656
JOHN B. KLINE, CFE, Deputy Commissioner for SupeNision . . . . . . . . . . . WESTERN . . . . . . . . . . . . . . 986-1630 Drexel Beck, CFE, Assistant Deputy Commissioner . . . . . . . . . . . . . District 1 . . . . . . . . . . . . . . . 986-1644 Rhoda Barcan, Principal Secretary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 986-1659
Princess Brown, CFE, Assistant Deputy Commissioner . . . . . . . . . . . District 5 . . . . . . . . . . . . . . . 986-1643 Larry E. Shelley, CFE, Assistant Deputy Commissioner . . . . . . . . . . . District 3 ............... 986-1642 Nancy Chapman, Senior Secretary Typist .......................................... 986-1658
MORTGAGE DIVISION
Licensing of Mortgage Brokers, Lenders, Registrants, Consumer Protection, Consumer Complaints, Supervisory/Regulatory Activities, Statistical Reports
ROBLEY S. RIGDON, CFE, Deputy Commissioner for Mortgage and Corporate Divisions ............ 986-1371 C. Craig Smith, CFE, Assistant Deputy Commissioner .................................. 986-1372 Marilou HaNey, Administrative Assistant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 986-1268 Tonda Rountree, Principal Secretary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 986-1269 Kittie Durham, Principal Secretary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 986-5035
CORPORATE DIVISION
Application processing of all Bank, Thrift and Holding Company Applications, Corporate Charter Amendments Consumer Affairs, International Licensing, International Bank Facility Permits, Loan Production Offices,
Sale of Check Licensing, Check Cashers Licensing, Annual Reports, Department Bulletins, Georgia Credit Union Deposit Insurance Corporation, Statistical Reports, Technical and Legal
Larry S. Moor, CFE, Assistant Deputy Commissioner . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 986-1645 Vickie L. Busby, Administrative Assistant . . . . . . . . . . . . . . . . . . . . . Districts 1,5,6 ........... 986-1639 Judy Carter, Administrative Assistant . . . . . . . . . . . . . . . . . . . . . . . Districts 2,3,4 . . . . . . . . . . . 986-1647
2

DISTRICT
1 MARIETIA 404-988-9444 CALHOUN 706-602-0415

DISTRICT DIRECTORS AND SUPERVISORY EXAMINERS
Jackson D. Hardy, CFE Robert Braswell

DISTRICT PERSONNEl
As of April l. 1994
SENIOR EXAMINERS
William D. Atkins, CFE James M. Brooks, CFE Ernest D. Coats, CFE James Emory Ira Goolsby

EXAMINERS
James N. Askew Ronald F. Furukawa Victor A Greene Larry J. Moody Charles D. Titshaw, Jr. Billy C. Wilson, Sr.

ASSISTANT AND SENIOR ASSISTANT EXAMINERS
Todd M. Burt Keith T. Gilliam Teresa H. Johnson Malcolm Keith J. Caldwell McDaniel Louis H. Otos Mark Pressler Patrick J. Wilson

2 STONE MOUNTAIN 404-879-0366 ATHENS 706-549-8596

Tracy D. Whitsides, CPA/CFE Robert J. Rosentreter, CFE
Michael G. Killeen, CFE
ADMINISTRATIVE ASSISTANT Jeannie Benefield

Lori A Binford Janet Blackmon, CFE Harold J. Carney Jenny L. Neville CPA/CFE Ned W. Overby E. Nanette Sisk, CFE

M. Joel Byers Rongfeng "Becky" Li Murali Ramachandran Carol A Webb

Jon A Bokina Mike Dunagan Joseph Helmly Robert H. Herndon Darren Hodge Steve Pleger Michael Tarrh Ross Verbugge

3
COLLEGE PARK 404-559-6621

C. Douglas Peugh, CFE Georgia G. High, CFE

Mayra Barzaga Harry M. Brown Billie L. Reed Barry L. Rooks, CFE Angela Ruddick Kevin M. Sharpe Emory L. Stanford

Hal F. Allen George E. Campbell Margaret W. Clarke

Joel Badger Laura Brown Joseph Mikula Daniel J. Vano Keith Zimmerman

DISTRICT
4 DUBLIN 912-275-6740

DISTRICT PERSONNEL
As of April l, 1994

DISTRICT DIRECTORS AND SUPERVISORY EXAMINERS
Robert H. Callier, CFE Gary F. Ford, CFE

SENIOR EXAMINERS
Vicki L. Brantley, CFE Gary E. Fields, CPA Michael F. Hooks, CFE/CPA Hersha S. McDade Hubert C. Miller, CFE Wesley Morris

EXAMINERS Dennis McNeer

ASSISTANT AND SENIOR ASSISTANT EXAMINERS
Michael D. Bryan H. Todd Gray Mark A Smith

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

George A Reynolds, CFE/CPA Larry T. Duke, CFE

Eugene S. Cline D. Ray Johnston Joyce R. Jones Michael Rosser, CFE John F. Sutphin, IlL CFE

R. Wayne Braswell Kay T. Green Gregory 0. Lowe Terry Tucker

Pamela M. Andrews Melanie Cox

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

R. Larry Herndon, CFE Jane Whitfield
David Widincamp

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

Patrick T. Brahana, CFE George A Keaveney Ricky Watkins

Allen E. Jones Edward Plott Ernest R. Rodgers, Jr.

4

CURRENT STAFF

E. D. "Jack" Dunn Commissioner

Steven D. Bridges, CFE Deputy Commissioner

Reece V. Morris, CFE Deputy Commissioner for Administration

David A . Hancock, CFE Dep uty C ommissioner
tor Administration

John B. Kline, CFE Deputy Commissioner
for Supervision

Robley S. Rigdon, CFE Deputy Commissioner
for Mort a a/Corporate

David G. Sorrell, CFE Deputy Commissioner
for SuQ.ervislon

Hal F. Allen

Pamela A. Andrews

James N. Askew

William D. Atkins

Joel Badger

Amelia W. Baker

Rhoda Barcan

Mayra Barzaga

Drexel Beck

Jeannie Benefield

Lori A. Binford

Janet Blackmon

Dianne Blackstone

Jon A. Bokina

Patrick T. Brahana

Vicki l. Brantley

Robert M. Braswell

R. Wayne Braswell

James M. Brooks

Harry M. Brown

laura Brown

Princess Brown

Susan Brown

Michael D. Bryan

Todd M. Burt

Victoria Busby

M. Joel Byers

Robert H. Callier

George E. Campbell

Harold J. Carney

Renate Carroll

Judy Carter

Nancy Chapman

Margaret W. Clarke

Eugene S. Cline

Ernest D. Coats

Melanie Cox

Lorry T. Duke

Michael Dunagan

James Emory

Sophia E'lom

Gory E. Fields

Gory F. Ford

Ronald F. Furukawa

Keith Gilliam

H. Todd Gray

Kay T. Green

Victor A. Greene

Ira D. Goolsby

Wando Hardman

Jackson D. Hardy

Marilyn Harris

Morilou Harvey

Joseph Helmly

Sonja Hencely

R. Larry Herndon

Robert Herndon

Georgia High

Darren Hodge

Michael F. Hooks

Teresa H. Johnson

Merion Johnson

D. Ray Johnston

Allen E. Jones

Joyce R. Jones

George Keaveney

Malcolm Keith

Michael G. Killeen

Melinda G. Kinard

Rongfeng "Becky" Li

Gregory 0. Lowe

Grace M. Lurry

Hersha J. McDade

Caldwell McDaniel

Dennis McNeer

Joseph M. Mikula

Hubert C. Miller

James F. Mills

Tervenia Mitchiner

Larry J. Moody

Larry S. Moor

Cathy Morris

Wesley Morris

Jenny L. Neville

Wayne Orr

Louis H. Otos

Ned W. Overby

C. Douglas Peugh

1()

Steve Pleger

Edward Plott

Mark Pressler

Murali Ramachandran

Billie L. Reed

George A. Reynolds

Ernest R. Rodgers, Jr.

Barry l. Rooks

Robert J. Rosentreter

Michael A. Rosser

Tonda Rountree

Angela E. Ruddick

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

Bonnie C. Steele

John F. Sutphin, Ill

Henry "Hank" Tam

Michael Tarrh

Charles D. ntshaw, Jr.

Terry Tucker

Daniel J. Vano

Ross Verbrugge

Ricky Watkins

Carol A. Webb

Jane M. Whitfield

Tracy D. Whitesides

David T. Widincamp

Billy C. Wilson, Sr.

Billy S. Wilson, Jr.

Patrick Wilson

Keith Zimmerman

EXAMINATION DISTRICTS AND
DISTRICT WORK AREAS

DISTRICT
2 3 4 5 6

LOCATION
MARIETIA CALHOUN
STONE MOUNTAIN ATHENS
COLLEGE PARK
DUBLIN
ALBANY VALDOSTA
DOUGLAS SAVANNAH

13

FISCAL YEAR 1993 RECEIPTS AND DISBURSEMENTS

REVENUES COLLECTED

Bank Fees . . . . . . . . . . . . . . . . . . . . . . . $6,563,550.50

Check Casher Fees . . . . . . . . . . . . . . . . . . 52,321 .00

Credit Union Fees . . . . . . . . . . . . . . . . . . . 702, 136.00

Holding Company Fees

328,983.00

International Bank Fees

119,795.00

Mortgage Fees ..................... 206,000.00

Sale of Check Fees ................... 59,503.00

Miscellaneous Fees . . . . . . . . . . . . . . . . . . . 5,758.50

TOTAL REVENUES COLLECTED ARE REMITTED TO OFFICE OF THE TREASURY AND FISCAL SERVICES

DISBURSEMENTS
Personal Services . . . . . . . . . . . . . . . . . $5,907,165.27 Motor Vehicle Expense ................ 85,325.89 Supplies and Materials ................. 59,356.65 Repairs and Maintenance .............. 21,663.88 Travel Expense ...................... 283,794. 10 Motor Vehicle Equipment Purchase ........................... 86,589.86 Printing ............................. 10,593.82 Equipment Purchases ................ 199,016.27 Office Rent ........................ 224,816.68 Computer Charges ................... 30,167.45 Communications ..................... 42,886.97 Per Diem and Fees .................... 4,500.00 Other Operating Expenses . . . . . . . . . . . . 119,229.47

TOTAL RECEIPTS .................. $8,038,047.00

TOTAL DISBURSEMENTS ............. $7,075,106.31

14

SUMMARY OF CONDITION AND STRUCTURAL CHANGES IN FINANCIAL INSTITUTIONS DURING 1993

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, 72 national banks and 99 state-chartered credit unions, one state-chartered savings bank, and 23 licensed money order companies operating in this State, and other statistical information made available through the examination, investigation and licensing of financial institutions and other institutions under the supervision of the Department of Banking and Finance. This report, required by Section 7-1-74 of the Official Code of Georgia Annotated, provides factual and statistical information useful to the financial industry, financial institutions and individuals who might be engaged in economic studies or might otherwise be interested in the evolution of Georgia's banking structure.

BANKS

Year-end call reports reflect a 16% growth in the banking system for 1993. Total assets for the national and state-chartered banks amounted to $90,074,009,000 reflecting an increase of $12,445,566,000 over 1992 assets.

Expansion of state-chartered banks through new banks, bank offices and facilities continued. An additional five banks and 25 banking offices and facilities opened or were acquired during 1993. Five banks and 34 offices closed, converted or merged into national banks bringing the total of state bank offices to 573.

During 1993, the Department approved 28 applications by financial holding companies to acquire controlling interest in additional financial institutions. Ten of these applications were approved to establish new financial holding companies.

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

Trust activities continue to be conducted principally by bank trust departments. There is one state-chartered trust company. 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.

Articles of Amendment of Articles of Incorporation were approved for two banks to increase their authorized stock; two banks to change their par value of shares; nine financial institutions changed names. Six miscellaneous Articles of Amendment of Articles of Incorporation were approved. Permission was issued for 18 banks to issue authorized but unissued shares through stock dividends or sales.
15

SUMMARY OF CONDITION AND STRUCTURAL CHANGES IN FINANCIAL INSTITUTIONS DURING 1993

CREDIT UNIONS

Credit unions operating under state charter hove experienced steady growth during 1993. Consolidated financial and statistical reports of the 99 state-chartered credit unions reflect on increase in total assets of $27,192,000 or .70% to a total of $3,910,883,000. All statechartered credit unions provide their members with deposit insurance through the Notional Credit Union Administration.

CHECK CASHERS

Pursuant to Title 7, Article 4A of the Official Code of Georgia, the Deportment is charged with the responsibility to license and supervise Check Coshers. At year-end there were two hundred and nineteen check coshers licensed.

SALE OF CHECKS

The Deportment of Bonking and Finance supervises the licensing of Check Sellers pursuant to the Georgia Sole of Checks Act enacted in 1965. Twenty-three companies with a total of 5,204 agents throughout the State were licensed to do business during 1993.

MORTGAGE DIVISION

Beginning July 1, 1993, all mortgage lenders and brokers making or brokering loons secured by Georgia residential real estate were required to be licensed pursuant to the Georgia Residential Mortgage Act. As of year-end the Deportment hod licensed 624 mortgage brokers and 348 mortgage lenders. Additionally, there were 53 mortgage registrants under the oct.

OTHER INSTITUTIONS

The Deportment is charged with the responsibility of supervising the operations of Bonk Data Processing Cooperatives, Fiduciary Investment Companies and Business Development Corporations. There is one business development corporation but no fiduciary investment companies ore currently operating.

16

SUMMARY OF ACTIVITIES OF STATE CHARTERED FINANCIAL INSTITUTIONS IN 1993

FINANCIAL INSTITUTION
BANKS SAVINGS BANKS TRUST COMPANIES BUSINESS DEVELOPMENT
CORPORATIONS SAVINGS & LOANS BRANCH BANKS, BANK OFFICES & FACILITIES CREDIT UNIONS FINANCIAL HOLDING COMPANIES CHECK SELLERS CHECK CASHER DOMESTIC INTERNATIONAL BANKING FACILITIES LOAN PRODUCTION OFFICES REPRESENTATIVE OFFICES OF OUT-OF-STATE BANKS INTERNATIONAL BANK AGENCIES INTERNATIONAL BANK REPRESENTATIVE OFFICES MORTGAGE BROKERS MORTGAGE LENDERS MORTGAGE REGISTRANTS

TOTALS JAN 1, 1993
326 1 1 1
582
107 236
21 228
5
3 32
23
5

OPENED REGISTERED LICENSED
4

CONVERTED

FAILED ACQUIRED

+1

MERGED -5

CLOSED LIQUIDATED DEREGISTERED

TOTALS DEC 31, 1993
326 1 1 1

25 -1
10 3 36 1 2 9
17

-23

-11

573

-7

99

-13

233

-1

23

-45

219

6

5

-2

39

-2

21

-1

4

624 348 53

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

NAME
ADAIRSVILLE BANCSHARES, INC *Bank of Adairsville The Peoples Bank
MONTGOMERY COUNTY BANKSHARES, INC. *Montgomery County Bank
FIRST NATIONAL FINANCIAL CORPORATION *First National Bank of South Georgia
FIRST STATE CORPORATION *First State Bank & Trust Company First State Bank and Trust Company in Cordele
FOUR COUNTY BANCHSARES, 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

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

18

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

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

NAME

CITY

FIRST AMERICAN BANCORP *First American Bank and Trust Company

ATHENS Athens

GEORGIA NATIONAL BANCORP, INC *Georgia National Bank

ATHENS Athens

BANK SOUTH CORPORATION *Bank South. National Association

ATLANTA Atlanta

BROADSTREET, INC. *AmTrade International Bank of Georgia

ATLANTA Atlanta

CITIZENS BANCSHARES CORP. *Citizens Trust Bank

ATLANTA Atlanta

COMMERCIAL BANCORP OF GEORGIA INC. *Commercial Bank of Georgia

ATLANTA Atlanta

COMMUNITY BANK CAPITAL CORPORATION *Cherokee Federal Bank. Federal Savings Bank

ATLANTA Canton

COMMUNITY FINANCIAL SERVICES, INC. *Georgia Bankers Bank

ATLANTA Atlanta

EMBRY BANKSHARES, INC. *Embry National Bank

ATLANTA Atlanta

FIRST FINANCIAL MANAGEMENT CORPORATION NATIONAL BANCARD CORPORATION *First Financial Bank

ATLANTA SUNRISE FL Atlanta

MERCHANT BANK CORPORATION *The Merchant Bank of Atlanta

ATLANTA Atlanta

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

ATLANTA ATLANTA ATLANTA Atlanta

19

APPROVED 4-02-86 7-25-91
7-01-76
3-04-93
7-01-76 5-25-88 12-29-92
11-18-85
11-12-87
5-31-89 12-30-92
9-25-89
12-22-86 12-22-86 12-22-86

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

NAME

CITY

SUMMIT BANK CORPORATION *The Summit National Bank

ATLANTA Atlanta

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.

ATLANTA Gainesville ATLANTA Albany Athens Atlanta Augusta Brunswick Columbus Douglas Macon Rome Savannah NASHVILLE, TN ORLANDO, FL

BANKERS FIRST CORPORATION *Bankers First Savings Bank, FSB

AUGUSTA Augusta

GEORGIA BANK FINANCIAL CORPORATION *Georgia Bank & Trust Company of Augusta

AUGUSTA Augusta

INVESTORS FINANCIAL CORPORATION *Bainbridge National Bank

BAINBRIDGE Bainbridge

PORT CITY HOLDING COMPANY, INC. *The First Port City Bank

BAINBRIDGE Bainbridge

UNITED BANK CORPORATION *United Bank United Bank of Griffin United Bank of Pike

BARNESVILLE Barnesville Griffin Zebulon

20

APPROVED 9-11-87 1-11-85 7-01-76
3-24-87 4-17-84 11-27-91 2-14-91 8-11-81 11-25-81

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

NAME

CITY

AMSOUTH BANCORPORATION The Georgia State Bank of Rome
*AmSouth Bank of Georgia

BIRMINGHAM AL Rome Summerville

SOUTHTRUST CORPORATION *SouthTrust Bank of Columbus, N.A. SOUTHTRUST OF GEORGIA, INC *SouthTrust Bank of Georgia, N.A. SOUTHTRUST BANK OF GEORGIA, N.A. *SouthTrust Estate and Trust Company of Georgia, N.A.

BIRMINGHAM AL Columbus ATLANTA Atlanta ATLANTA Atlanta

PEOPLES BANKING CORPORATION *Peoples Bank

BLACKSHEAR Blackshear

UNITED COMMUNITY BANKS, INC. *Union County Bank Peoples Bank of Fannin County Towns County Bank

BLAIRSVILLE Blairsville Blue Ridge Hiawassee

EARLY BANCSHARES, INC. *Bank of Early

BLAKELY Blakely

FIRST STATE BANCSHARES OF BLAKELY, INC. *First State Bank of Blakely

BLAKELY Blakely

FIRST GEORGIA HOLDING, INC. *First Georgia Savings Bank, FSB

BRUNSWICK Brunswick

FIRST HARALSON CORPORATION *The First National Bank of Haralson County

BUCHANAN Buchanan

GRADY HOLDING COMPANY *First National Bank of Grady County

CAIRO Cairo

CAMILLA BANCSHARES, INC,. *Bank of Camilla

CAMILLA Camilla

P & C BANK SHARES, INC. *Planters & Citizens Bank

CAMILLA Camilla
21

APPROVED 12-31-92
5-31-89 1-10-84 4-28-92 2-28-90 2-04-88
2-02-93 6-13-86 4-28-88 3-06-84 6-30-78 3-24-92 12-30-80

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

NAME

CITY

B C BANKSHARES, INC. *Bank of Canton

CANTON Canton

SECURITY BANCORP, INC. *Security State Bank

CANTON Canton

UNITED SECURITY BANCSHARES, INC. *United Security Bank

CANTON Sparta

FIRST BANKS, INC. First Bank and Trust
*The Bank of Toccoa

CARNESVILLE Carnesville Toccoa

WGNB CORP. *West Georgia National Bank of Carrollton

CARROLLTON Carrollton

BARTOW BANCSHARES, INC. *Bartow County Bank

CARTERSVILLE Cartersville

FIRST COMMUNITY BANCORP, INC. *First Community Bank & Trust

CARTERSVILLE Cartersville

FIRST POLK BANKSHARES, INC. *The First National Bank of Polk County

CEDARTOWN Cedartown

FIRST UNION CORPORATION FIRST UNION CORPORATION OF GEORGIA *First Union National Bank of Georgia

CHARLOTIE, NC ATLANTA Atlanta

NATIONSBANK CORPORATION *NationsBank of Georgia, N.A.

CHARLOTIE, NC Savannah

FIRST CHATSWORTH BANCSHARES, INC. *The First National Bank of Chatsworth

CHATSWORTH Chatsworth

FIRST CLAYTON BANCSHARES, INC. *First Clayton Bank & Trust

CLAYTON Clayton

??

APPROVED 9-05-84 5-17-89 2-21-84 4-13-81
8-12-85 4-28-83 10-18-89 5-20-86 3-17-86 7-01-76 12-12-85 3-03-83 10-06-89

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

NAME

CITY

LIBERTY BANCORP OF GEORGIA INC. *Rabun County Bank The Gordon Bank

CLAYTON Clayton Gordon

WHITE COUNTY BANCSHARES, INC. *White County Bank

CLEVELAND Cleveland

PEOPLES COMMUNITY BANCSHARES, INC. *Peoples Community Bank

COLQUITI Colquitt

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 Island 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.

COLUMBUS COLUMBUS Albany Americus Athens Brunswick Carrollton Cochran Columbus Columbus Fort Valley Hazlehurst LaGrange Monroe Newnan Rome Statesboro Thomasville Tifton Valdosta Warner Robins CHATSWORTH Chatsworth FORT RUCKER AL

FIRST COMMERCE BANCORP, INC. *The First National Bank of Commerce

COMMERCE Commerce

23

APPROVED
5-12-83 9-19-84 4-09-91 8-25-86 7-01-76
11-30-82 10-04-88 10-27-81

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

NAME

CITY

CENTRAL BANCSHARES, INC. *Central Bank & Trust

CORDELE Cordele

MID STATE BANKS, INC. *Cordele Banking Company Planters Bank Pineview State Bank

CORDELE Cordele Hawkinsville Pineview

COMMUNITY BANKSHARES INC. Community Bank & Trust - Jackson
*Community Bank & Trust - Habersham

CORNELIA Commerce Cornelia

HABERSHAM BANCORP *Habersham Bank

CORNELIA Clarkesville

FNB NEWTON BANKSHARES, INC. *First National Bank of Newton County

COVINGTON Covington

MAIN STREET BANKS INCORPORATED Main Street Savings Bank, F.S.B.
*The Bank of Covington Southern Heritage Savings Bank

COVINGTON Conyers Covington Winterville

TCB BANCSHARES, INC. *The Commercial Bank

CRAWFORD Crawford

CENTURY SOUTH BANKS, INC. First National Bank of Union County
*Bank of Dahlonega The Bank of Ellijay Georgia First Bank

DAHLONEGA Blairsville Dahlonega Ellijay Gainesville

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

DALTON Calhoun Dalton

24

APPROVED 5-24-93 3-05-80
3-12-81 12-05-84 11-30-84 11-07-88
8-10-89 4-20-82
9-23-80

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES
C = Lead Bank)

NAME

CITY

SOUTHEASTERN BANKING CORPORATION *Southeastern Bank

DARIEN Darien

DAWSON BANCSHARES, INC. *Bank of Dawson

DAWSON Dawson

DAWSON COUNTY BANCSHARES, INC. *Dawson County Bank

DAWSONVILLE Dawsonville

FIDELITY SOUTHERN CORPORATION *Fidelity National Bank

DECATUR Decatur

M & F FINANCIAL CORPORATION *Merchants and Farmers Bank

DONALSONVILLE Donalsonville

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

DOUGLAS Douglas

SOUTHLAND BANK CORP. *The Citizens State Bank
Coffee County Bank
United Bank of Crawford

DOUGLAS Butler Douglas Roberta

CITIZENS & MERCHANTS CORPORATION *Citizens & Merchants State Bank

DOUGLASVILLE Douglasville

THORNTON HOLDING COMPANY, INC. *Douglas County Bank

DOUGLASVILLE Douglasville

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

DUBLIN Cadwell

MORRIS STATE BANCSHARES, INC. *The Morris State Bank

DUBLIN Dublin

25

APPROVED 4-14-81 9-19-83 12-03-84 12-18-79 2-01-85 3-19-91 2-13-84
11-09-89 12-17-81
7-24-79
5-24-89

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

NAME

CITY

GWINNETI BANCORP, INC *Gwinnett National Bank

DULUTH Duluth

MT. VERNON FINANCIAL CORP. *Mount Vernon Federal Savings Bank

DUNWOODY Dunwoody

CCB FINANCIAL CORPORATION *Central Carolina Bank - Georgia

DURHAM NC Columbus

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

EASTMAN Eastman Mount Vernon

JESUP FAMILY LIMITED PARTNERSHIP *Bank of Eastman

EASTMAN Eastman

PEOPLES BANKSHARES, INCORPORATED *The Peoples Bank

EATONTON Eatonton

PUTNAM-GREENE FINANCIAL CORPORATION *Farmers & Merchants Bank The Pembroke State Bank The Farmers Bank

EATONTON Eatonton Pembroke Union Point

BOE BANCSHARES, INC. *The Bank of Edison

EDISON Edison

MCCONNELL & CO., AND EBERHARDT, INC. JAM FAMILY PRTSHP L LP, & JAM FAMILY PRTSHP II, LP PINNACLE FINANCIAL CORPORATION *First National Bank in Elberton Tri-County Bank of Royston

ELBERTON ELBERTON ELBERTON Elberton Royston

MIDDLE GEORGIA CORPORATION *Bank of Ellaville CBA BANKSHARES, INC. *Citizens Bank of Americus

ELLAVILLE Ellaville AMERICUS Americus

26

APPROVED
1-27-89 12-03-93
1-22-92 1-15-85
4-17-90 2-17-84 4-03-87
3-05-84 12-23-93 12-23-93
4-01-83
5-08-81 5-27-92

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

NAME

CITY

FAIRBANCO HOLDING COMPANY, INC. *Fairburn Banking Company

FAIRBURN Fairburn

COLONY BANKCORP, INC. Ashburn Bank Bank of Dodge County
*The Bank of Fitzgerald Community Bank of Wilcox Bank of Worth

FITZGERALD Ashburn Eastman Fitzgerald Pitts Sylvester

COUNTRY BANK COMPANY *Monroe County Bank

FORSYTH Forsyth

CATOOSA BANCSHARES, INC. *Capital Bank

FORT OGLETHORPE Fort Oglethorpe

CITIZENS EXPRESS COMPANY *The Citizens Bank

GAINESVILLE Gainesville

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 Bank of Villa Rica METRO BANCORP, INC. *The Commercial Bank

GAINESVILLE Ball Ground Clayton Cleveland Cornelia Cumming Dallas Elberton Ellijay Gainesville Homer Jasper Jefferson Toccoa Villa Rica DOUGLASVILLE Douglasville

27

APPROVED
6-11-84 4-15-83
2-25-82 12-15-80 10-28-83
5-11-81
12-10-84

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

NAME

CITY

LANIER BANKSHARES, INC. *Lanier National Bank

GAINESVILLE Gainesville

FIRST CITIZENS BANKSHARES, INC *First Citizens Bank

GLENNVILLE Glennville

CITIZENS FINANCIAL SERVICES, INC. *Citizens Union Bank

GREENSBORO Greensboro

FNB BANKING COMPANY The First National Bank of Barnesville
*First National Bank of Griffin

GRIFFIN Barnesville Griffin

GF BANCSHARES, INC. *Griffin Federal Savings Bank

GRIFFIN Griffin

THE BANK HOLDING COMPANY *The Bank of Spalding County

GRIFFIN Griffin

CCB BANCSHARES, INC. *Citizens Community Bank

HAHIRA Hahira

LOWNDES BANCSHARES, INC. *Commercial Banking Company

HAHIRA Hahira

MGEORGIA BANKSHARES, INC. *The Pulaski Banking Company

HAWKINSVILLE Hawkinsville

COASTAL BANKSHARES, INC. *The Coastal Bank

HINESVILLE Hinesville

LIBERTY SHARES, INC. 'The Hinesville Bank

HINESVILLE Hinesville

COMMUNITY TRUST FINANCIAL SERVICES CORPORATION *Community Trust Bank

HIRAM Hiram

28

APPROVED
4-18-89 12-16-80 6-17-85
1-17-83
12-17-92 8-30-93
12-15-82 9-16-85 3-23-87 7-07-82 10-24-Stl 2-06-91

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

NAME

CITY

FIRST HOGANSVILLE BANKSHARES, INC. *The Citizens Bank

HOGANSVILLE Hogansville

EMPIRE BANK CORP., INC. *Empire Banking Company

HOMERVILLE Homerville

MCINTOSH BANCSHARES, INC. *Mcintosh State Bank

JACKSON Jackson

BARNEIT BANKS, INC. ANB BANKSHARES, INC. *Barnett Bank of Southeast Georgia, N.A. SUNCOAST BANCORP, INC. FIRST CITY BANCORP, INC. *Barnett Bank of Southwest Georgia

JACKSONVILLE, FL BRUNSWICK Brunswick VERO BEACH, FL ATLANTA Columbus

CRESCENT BANKING COMPANY *Crescent Bank and Trust Company

JASPER Jasper

JBC BANCSHARES, INC. *Jasper Banking Company

JASPER Jasper

WAYNE BANCORP, INC. *Wayne National Bank

JESUP Jesup

SOUTHERN CRESCENT FINANCIAL CORP. *Southern Crescent Bank

JONESBORO Union City

FIRST ALLIANCE BANCORP, INC. *First Alliance Bank

KENNESAW Marietta

FMB BANCSHARES, INC. *Farmers and Merchants Bank The United Banking Company

LAKELAND Lakeland Nashville

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

29

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

NAME

CITY

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

lAVONIA Hartwell Lavonia

COMMERCIAL BANCORP OF GWINNETI, INC. *Commercial Bank ot Gwinnett, National Association

lAWRENCEVILLE Lawrenceville

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

lAWRENCEVILLE Lawrenceville

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

lAFAYETIE LaFayette

LINCOLN BANCSHARES, INC. *Farmers State Bank

LINCOLNTON Lincolnton

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

LITHONIA Lithonia Perry

JEFFERSON BANCSHARES, INC. *Bank of Jefferson County

LOUISVILLE Louisville

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

LOUISVILLE Louisville Wadley

SOUTH GEORGIA BANKSHARES CORP. *Peoples Bank

LYONS Lyons

COMMUNITY FINANCIAL CORPORATION *Community Bank & Trust Company

MABLETON Mableton

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

30

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

NAME

CITY

BANK CORPORATION OF GEORGIA First South Bank of Ben Hill County, N.A
*First South Bank N.A. First South Bank of Middle Georgia, N.A. First South Bank of Coweta County, N.A. AMERICORP, INC. *Ameribank, N.A.

MACON Fitzgerald Fort Valley Macon Newnan SAVANNAH Savannah

FIRST LIBERTY FINANCIAL CORPORATION *First Liberty Bank

MACON Macon

MADISON BANK CORP *Bank of Madison

MADISON Madison

F AND M HOLDING COMPANY, INC. *F & M Bank and Trust Company

MANCHESTER Manchester

AMERICAN BANKSHARES, INC. *Cobb American Bank and Trust Company

MARIETTA Marietta

CHATTAHOOCHEE BANCORP, INC. *The Chattahoochee Bank

MARIETTA Atlanta

THREE RIVERS BANCSHARES *Bank of Milan

MILAN Milan

BALDWIN BANCSHARES, INC. *First National Bank of Baldwin County

MILLEDGEVILLE Milledgeville

CENTRAL AND SOUTHERN HOLDING COMPANY The Central and Southern Bank of Greensboro
*The Central & Southern Bank of Georgia

MILLEDGEVILLE Greensboro Milledgeville

CENTURY BANCORP, INC. *Century Bank and Trust

MILLEDGEVILLE Milledgeville

31

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
2-22-93

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

NAME

CITY

EXCHANGE BANKSHARES, INC. *Exchange Bank

MILLEDGEVILLE Milledgeville

FIRST ALABAMA BANCSHARES, INC. *First Alabama Bank of Columbus

MONTGOMERY Columbus

FMB BANKING CORPORATION *First Merchants Bank

MONTICELLO, FL Thomasville

ABC BANCORP Cairo Banking Company Bank of Thomas County
*American Banking Company Bank of Quitman The Citizens Bank of Tifton

MOULTRIE Cairo Coolidge Moultrie Quitman Tifton

THE NASHVILLE HOLDING COMPANY Adel Banking Company Citizens Bank & Trust
*The Citizens Bank

NASHVILLE A del Evans Nashville

THE PRUDENTIAL INSURANCE COMPANY OF AMERICA The Prudential Savings Bank, FSB PRUCO, INC. *The Prudential Bank and Trust Company

NEWARK, NJ Cartersville NEWARK, NJ Atlanta

FIRST CAPITAL BANCORP, INC. *First Capital Bank

NORCROSS Atlanta

FIRST GWINNETI BANCSHARES, INC. *First Gwinnett Bank

NORCROSS Norcross

FIRST SECURITY CORPORATION *First Security National Bank

NORCROSS Norcross

IRWIN BANKCORP, INC. *The Bank of Ocilla, Georgia

OCILLA Ocilla

32

APPROVED 10-05-83 7-24-91 11-25-86 3-23-81
5-16-85
6-27-83 6-27-83 6-28-93 7-20-90 9-14-89 9-24-84

FINANCIAL HOLDING COMPANIES AND THEIR FINANCIAL SUBSIDIARIES C = Lead Bank)

NAME

CITY

PATIERSON BANKSHARES, INC. *The Patterson Bank

PATIERSON Patterson

FAYETIE COUNTY BANCSHARES, INC. *Fayette County Bank

PEACHTREE CITY Peachtree City

PNB BANKSHARES, INC. *Peachtree National Bank

PEACHTREE CITY Peachtree City

PBC BANCSHARES, INC. *Pelham Banking Company

PELHAM Pelham

CROSSROADS BANCSHARES, INC. *Crossroads Bank of Georgia

PERRY Perry

TATINALL BANCSHARES, INC. *The Tattnall Bank

REIDSVILLE Reidsville

GEORGIA COMMUNITY BANCORP, INC. Bank of Terrell Commercial State Bank
*The Citizens State Bank

REYNOLDS Dawson Donalsonville Reynolds

BRYAN BANCORP OF GEORGIA INC. *Bryan Bank & Trust

RICHMOND HILL Richmond Hill

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

RICHMOND, VA Marietta

NW SERVICES CORPORATION *Northwest Georgia Bank

RINGGOLD Ringgold

TARA BANKSHARES CORPORATION *Tara State Bank

RIVERDALE Riverdale

FIRST COMMUNITY BANCSHARES, INC. *First Rome Bank

ROME Rome

33

APPROVED
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 7-10-87 3-17-88

NAME

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

STATE MUTUAL INSURANCE COMPANY STATCO, INC. *Home Federal Savings Bank
ROSSVILLE BANKSHARES, INC. *Rossville Bank
NORTH FULTON BANCSHARES, INC. *Milton National Bank
SOUTHERN BANK GROUP. INC. *The Northside Bank & Trust Company
METRO FINANCIAL CORPORATION *Metro Bank
SARDIS BANKSHARES, INC. *Bank of Burke County
THE SAVANNAH BANCORP, INC. *The Savannah Bank. National Association
SB&T CORPORATION *Smyrna Bank & Trust Co.
BUTION GWINNETI FINANCIAL CORP. *The Bank of Gwinnett County
GEORGIA CENTRAL BANCSHARES, INC. *Georgia Central Bank
SOPERTON NAVAL STORES. INC. SOPERTON BANCSHARES. INC. *The Bank ot Soperton

ROME ROME Rome
ROSSVILLE Rossville
ROSWELL Roswell
ROSWELL Roswell
SANDY SPRINGS Sandy Springs
SARDIS Sardis
SAVANNAH Savannah
SMYRNA Smyrna
SNELLVILLE Lawrenceville
SOCIAL CIRCLE Social Circle
SOPERTON SOPERTON Soperton

34

APPROVED 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 7-30-87 9-06-84 7-01-92 8-26-88

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

NAME

CITY

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

ST. SIMONS ISLAND Brunswick

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

STAMFORD, CT STAMFORD, CT STAMFORD, CT Atlanta

EAGLE BANCORP, INC. *Eagle Bank and Trust

STATESBORO Statesboro

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

STATESBORO Metter Statesboro

HENRY COUNTY BANCSHARES, INC. *The First State Bank

STOCKBRIDGE Stockbridge

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

STOCKBRIDGE Stockbridge

CENTRAL BANKING COMPANY *The Central Bank

SWAINSBORO Swainsboro

SPIVEY BANK SHARES, INC. *Spivey State Bank

SWAINSBORO Swainsboro

SWAINSBORO BANKSHARES, INC. *The Citizens Bank of Swainsboro

SWAINSBORO Swainsboro

SCREVEN BANCSHARES, INC. *Farmers and Merchants Bank

SYLVANIA Sylvania

FIRST BANK HOLDING COMPANY *Sylvester Banking Company

SYLVESTER Sylvester

35

APPROVED 5-05-89
6-27-88 3-05-90 2-08-82
3-07-83 10-16-89 10-07-81
8-25-86 5-27-92 10-15-90 8-22-83

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

NAME

CITY

WCG BANCSHARES, INC. *West Central Georgia Bank

THOMASTON Thomaston

ALLIED BANKSHARES, INC. Bank of Morgan County Bank of Millen
Allied Bank of Georgia

THOMSON Madison Millen Thomson

TIFTON BANKS, INC. *Tifton Bank & Trust Company

TIFTON Tifton

TRI-STATES BANKSHARES, INC. *Bank of Dade

TRENTON Trenton

TAG BANCSHARES, INC. *Citizens Bank and Trust, Inc.

TRENTON Trenton

SUMMERVILLE/TRION BANCSHARES, INC. *First National Bank of Chattooga County

TRION Summerville

EAGLE BANCSHARES. INC. *Tucker Federal Savings and Loan Association

TUCKER Tucker

MOUNTAIN HOLDING CORPORATION *Mountain National Bank

TUCKER Tucker

MIDDLE GEORGIA BANKSHARES, INC. *Citizens Bank

UNADILLA Vienna

ALTAMAHA BANCSHARES, INC. Altamaha Bank and Trust Company

UVALDA Uvalda

PAB BANKSHARES. INC. Farmers and Merchants Bank
*The Park Avenue Bank

VALDOSTA A del Valdosta

36

APPROVED
12-10-82 12-03-84
3-14-91 4-27-82 6-28-91 2-14-86 1-24-86 4-24-91 10-31-83 11-03-80 8-02-82

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

NAME

CITY

VB&T BANCSHARES CORP. *Valdosta Bank and Trust

VALDOSTA Valdosta

DBT HOLDING COMPANY *Darby Bank and Trust Company

VIDALIA Vidalia

VIDALIA BANKSHARES, INC. *First Community Bank of Vidalia

VIDALIA Vidalia

DOOLY BANCSHARES, INC. *Bank of Dooly

VIENNA Vienna

CB FINANCIAL CORP. *Citizens Bank

WARRENTON Warrenton

WASHINGTON/WILKES HOLDING COMPANY *Farmers and Merchants Bank

WASHINGTON Washington

JONES BANCSHARES, L.P. BLACKSHEAR BANCSHARES, INC. *The Blackshear Bank

WAYCROSS BLACKSHEAR Blackshear

WB&T BANKSHARES, INC. *Waycross Bank & Trust

WAYCROSS Waycross

FIRST BURKE BANKING COMPANY *The First National Bank of Waynesboro

WAYNESBORO Waynesboro

FIRST BANKSHARES OF WEST POINT, INC. *First National Bank of West Point

WEST POINT West Point

ATKINSON COUNTY BANKSHARES CORPORATION *The Peoples Bank

WILLACOOCHEE Willacoochee

BARROW BANCSHARES, INC. *Barrow Bank & Trust Company

WINDER Winder

37

APPROVED 11-29-90 1-26-90 5-27-92 4-03-85 1-09-86 3-20-86 10-29-93 12-18-90 11-22-89 2-26-86 7-13-83 9-18-80 10-24-89

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

NAME

CITY

PEOPLES HOLDING COMPANY *The Peoples Bank

WINDER Winder

WACHOVIA CORPORATION *Wachovia Bank of Georgia. National Association

WINSTON-SALEM NC Atlanta

WOODBURY BANCSHARES, INC. *The Woodbury Banking Company

WOODBURY Woodbury

TSB BANCORP, INC. *Talbot State Bank

WOODLAND Woodland

FIRST CHEROKEE BANCSHARES. INC. *First National Bank of Cherokee

WOODSTOCK Woodstock

NORTH GEORGIA NATIONAL BANCSHARES, INC. *North Georgia National Bank

WOODSTOCK Woodstock

CSRA BANK CORP. *First State Bank

WRENS Wrens

WRIGHTSVILLE BANCSHARES, INC. The Knight State Bank
*Bank of Wrightsville

WRIGHTSVILLE Dexter Wrightsville

NOTE: Bank and S&L Subsidiaries Located in other States are Omitted.

APPROVED 11-17-83 10-28-85 12-08-83 5-02-88 12-20-88 6-12-89 5-14-90 11-03-86

38

ABSTRACT OF REPORTS OF CONDITION OF STATE AND NATIONAL BANKS IN GEORGIA AS OF DECEMBER 31, 1993
WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1992
(AMOUNTS IN MILLIONS)

ASSETS

12-31-93 12-31-92 *399 Banks *403 Banks

Gross Loans . . . . . . . . . . . . . . . . . . . . . . . . 56,431 Reserve for Loan Losses ............ (1,066) Unearned Income . . . . . . . . . . . . . . . . (122)
Net Loans . . . . . . . . . . . . . . . . . . . . . . . . . 55,243 Lease Finance Receivables . . . . . . . . . . . . . 921 Interest Bearing Depository
Balances . . . . . . . . . . . . . . . . . . . . . . . . . 1,371 Securities . . . . . . . . . . . . . . . . . . . . . . . . . . 18,359 Trade Account . . . . . . . . . . . . . . . . . . . . . . . 175 Federal Funds Sold and
Securities Purchased under Agreement to Resell . . . . . . . . . . . . . . . 4,438 TOTAL EARNING ASSETS . . . . . . . . . . . . . . . 80,507 Cash and Non-Interest Bearing Depository Balances . . . . . . . . . . . . . . . . 5, 155 Bank Premises, Furniture and Fixtures . . . . . . . . . . . . . . . . . . . . . . . 1,416 Other Real Estate Owned . . . . . . . . . . . . . . 236 Intangible Assets . . . . . . . . . . . . . . . . . . . . . . 334 All Other Assets . . . . . . . . . . . . . . . . . . . . . 2,426 TOTAL ASSETS ...................... 90,074

48,814 (905) (161)
47,748 914
873 15,426
387
3,385 68,733
5,165
1,352 329 219
1,820 77,618

*Includes one savings bank; does not include trust companies
39

LIABILITIES

12-31-93 12-31-92 *399 Banks *403 Banks

Demand Deposits of IPC-Domestic

12,334

Time and Savings Deposits of

IPC - Domestic . . . . . . . . . . . . . . . . . . . 46,252

Deposits in Foreign Offices . . . . . . . . . . . . . . 883

Deposits of U.S. Government . . . . . . . . . . . . 528

Deposits of State, Counties

and Municipalities . . . . . . . . . . . . . . . . . . 2, 932

Certified and Officers' Checks . . . . . . . . . . . 333

All Other Deposits . . . . . . . . . . . . . . . . . . .

12

TOTAL DEPOSITS ..................... 63,274

Federal Funds Purchased and

Securities Sold under Agreement

to Repurchase . . . . . . . . . . . . . . . . . . . 11,263

Other Liabilities for Borrowed Money . . . . . 3,426

Mortgage Indebtedness . . . . . . . . . . . . . . . . . 24

All Other Liabilities . . . . . . . . . . . . . . . . . . . 3,068

TOTAL LIABILITIES .................... 81,055

10,753
41,643 340 326
2,833 321 939
57,155
8,804 2,031
31 2,272 70,293

Subordinated Notes and Debentures . . . . . 564

338

EQUITY CAPITAL Preferred Stock . . . . . . . . . . . . . . . . . . . . . . . 150 Common Stock . . . . . . . . . . . . . . . . . . . . . . . 604 Surplus . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3, 714 Undivided Profits and Capital Reserves . . 3,987 TOTAL EQUITY CAPITAL . . . . . . . . . . . . . . . 8,455

149 609 3,231 2,998 6,987

TOTAL LIABILITIES, SUBORDINATED NOTES AND DEBENTURES, AND EQUITY CAPITAL ......................... 90,074

77,618

STATEMENT OF EARNINGS AND EXPENSES OF STATE AND NATIONAL BANKS IN GEORGIA AS OF DECEMBER 31, 1993
WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1992
(AMOUNTS IN MILLIONS)

INTEREST INCOME

12-31-93 12-31-92 *399 Banks *403 Banks

Interest and Fees on Loans ............. 4,366 Income from Lease Financing . . . . . . . . . . . . 59 Interest on Balances with
Depository Institutions . . . . . . . . . . . . . . . . . 37 Income on Federal Funds Sold and
Securities Purchased under Agreement to Resell . . . . . . . . . . . . . . . . . 11 0 Interest and Dividends from Securities . . . . 1, 105 Trading Account Interest . . . . . . . . . . . . . . 11 TOTAl INTEREST INCOME . . . . . . . . . . . . . . 5,688

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

TOTAl INTEREST EXPENSE

2,168

2,411

NET INTEREST INCOME ................. 3,520

3,243

TOTAl NONINTEREST INCOME . . . . . . . . . . . 1,554

1,435

TOTAl OVERHEAD EXPENSE ............. 3.251

2,981

PROVISIONS FOR lOAN lOSSES . . . . . . . . . . . 424

487

SECURITIES GAINS AND lOSSES ......... . 24

117

NET OPERATING INCOME BEFORE TAXES . . . 1,423

1,327

APPliCABlE INCOME TAXES . . . . . . . . . . . . 442

399

NET OPERATING INCOME AFTER TAXES . . . . . 981

928

EXTRAORDINARY INCOME OR EXPENSES, NET 11

3

NET INCOME . . . . . . . . . . . . . . . . . . . . . . . . . 992

931 40

INTEREST EXPENSE

12-31-93 12-31-92 *399 Banks *403 Banks

Interest on Deposits . . . . . . . . . . . . . . . . . . 1, 755 Expense on Federal Funds Purchased
and Securities Sold under Agreement to Repurchase . . . . . . . . . . . . 301 Interest on Other Borrowed Money . . . . . . . . 83 Interest on Mortgages and Leases . . . . . . . . . . 3 Interest on Subordinated Notes and Debentures . . . . . . . . . . . . . . . . . . . . . . . 26 TOTAl INTEREST EXPENSE . . . . . . . . . . . . . . 2,168

2,051
302 45 4
9 2,411

OVERHEAD EXPENSE Salaries and Employee Benefits . . . . . . . . . 1,249 Net Occupancy Expense of Bank
Premises and Equipment Expenses . . . . . . 392 Other Noninterest Expenses . . . . . . . . . . . 1,61 0 TOTAL OVERHEAD EXPENSE ............. 3,251

1,212
405 1.364 2,981

*Includes one savings bank; does not include trust companies.1

STATE AND NATIONAL BANKS

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

COUNTY

NAME OF BANK

Wilcox

Dorsey State Bank

Wilcox

Wilcox County State Bank

Bartow

* Bank of Adairsville

Cook

Adel Banking Company

Cook

Farmers and Merchants Bank

Montgomery Montgomery County Bank

Wheeler

Wheeler County State Bank

Berrien

Bank of Alapaha

Dougherty * First National Bank of South Georgia

Dougherty

First State Bank & Trust Company

Dougherty

Security Bank and Trust Company of Albany

Dougherty * Trust Company Bank of South Georgia, N.A.

Wilkinson

The Four County Bank

Bacon

Alma Exchange Bank & Trust

Bacon

* The First National Bank of Alma

Fulton

First Colony Bank

Sumter

Citizens Bank of Americus

Sumter

Sumter Bank and Trust Company

Calhoun

Bostwick Banking Company

Turner

Ashburn Bank

Turner

* Community National Bank

Clarke

* Athens First Bank & Trust Company

Clarke

First American Bank and Trust Company

Clarke

* Georgia National Bank

Clarke

* Trust Company Bank of Northeast Georgia, N.A.

Fulton

AmTrade International Bank of Georgia

Fulton

* Bank South, National Association

BEGIN BUSINESS
10-04-72 04-22-52
1899 03-01-29 01-15-48 03-01-26 01-17-45 03-25-05 05-29-91 03-31-61 08-31-70 11-01-45 09-15-41 10-14-39 05-01-51 01-18-85 03-25-37 10-28-74 03-01-36
1900 08-06-90 05-01-29 11-01-49 01-04-88
1866 03-19-93 12-07-09

TOTAL **ASSETS
4,822 25,377 27,043 45,233 35,406 54,495 16,975 37,309 42,273 314,394 159,060 387,129 '24,062 38,125 71,469 51,936 81,883 161,369 18,193 74,566 57,298 480,512 83,709 58,339 317,450 110,084 5,480,611

* Member of Federal Reserve System

** Amounts are in thousands as of 12-31-93

41

STATE AND NATIONAL BANKS

CITY
Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Augusta Augusta Bainbridge Bainbridge Ball Ground Barnesville Barnesville Barwick Baxley Blackshear Blackshear

COUNTY
Fulton Fulton Fulton DeKalb Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton Fulton DeKalb Fulton Fulton Richmond Richmond Decatur Decatur Cherokee Lamar Lamar Brooks Appling Pierce Pierce

NAME OF BANK
The Chattahoochee Bank * Citizens Trust Bank
Commercial Bank of Georgia * Embry National Bank * The Enterprise National Bank of Atlanta
First Capital Bank First Financial Bank * First Union National Bank of Georgia * Georgia Bankers Bank The Merchant Bank of Atlanta Monogram Credit Card Bank of Georgia The Prudential Bank and Trust Company * SouthTrust Bank of Georgia, N.A. * The Summit National Bank * Trust Company Bank * Wachovia Bank of Georgia, National Association Georgia Bank & Trust Company of Augusta * Trust Company Bank of Augusta, N.A. * Bainbridge National Bank The First Port City Bank Citizens Bank * The First National Bank of Barnesville United Bank Barwick Banking Company Peoples State Bank & Trust * The Blackshear Bank Peoples Bank

BEGIN BUSINESS
04-01-86 08-17-21 06-20-88 12-07-87 06-01-87 12-18-89 05-07-93 03-06-70 01-31-86 11-04-87 06-27-88 09-04-45 04-25-85 03-10-88
1891 1865 08-28-89 1871 04-01-91 10-07-7 4 10-01-26 04-02-02 06-01-72 06-01-67 07-01-66 1892 08-05-46

TOTAL **ASSETS
258,454 118,128 113,642 51,247 50,707 72,777 191,758 9,258,616 236,394 138,422 1,824,289 1,259,915 2,418,930 102,739 10,372,554 11,975,464 141,099 386,025 68,741 54,502 77,712 65,444 56,226
5,217 29,286 27,003 69,337

* Member of Federal Reserve System

** Amounts are in thousands as of 12-31-93

42

STATE AND NATIONAL BANKS

CITY
Blairsville Blairsville Blakely Blakely Blue Ridge Braselton Broxton Brunswick Brunswick Brunswick Brunswick Buchanan Buford Butler Byron Cadwell Cairo Cairo Cairo Calhoun Calhoun Camilla Camilla Canton Canton Canton Carnesville

COUNTY
Union Union Early Early Fannin Jackson Coffee Glynn Glynn Glynn Glynn Haralson Gwinnett Taylor Peach Laurens Grady Grady Grady Gordon Gordon Mitchell Mitchell Cherokee Cherokee Cherokee Franklin

NAME OF 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 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 Camilla Planters & Citizens Bank Bank of Canton Etowah Bank Security State Bank First Bank and Trust

BEGIN BUSINESS
01-04-82 03-01-50 04-28-41 05-15-37 08-01-86 12-18-48 09-01-66
1889 06-01-50 07-02-90
1894 03-04-09 12-13-84 09-04-26 02-04-63 08-23-72 11-23-03 01-01-04 06-19-18 01-12-05 02-15-88
1890 05-24-13
1892 01-29-27 10-22-90 08-01-60

TOTAL **ASSETS
45,746 191,152 40,057 50,545 79,493
6,443 19,813 196,821 136,827 46,159 388,261 99,950 80,805 31,005 88,149 50,437 78,030 18,604 80,775 171,137 78,377 48,192 60,993 226,549 238,058 40,200 56,645

* Member of Federal Reserve System

** Amounts are in thousands as of 12-31-93

43

STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Carrollton Carrollton Carrollton Cartersville Cartersville Cave Spring Cedartown Chatsworth Chatsworth Chester Chickamauga Clarkesville Claxton Claxton Clayton Clayton Clayton Cleveland Cleveland Cobbtown Cochran Cochran Colquitt Columbus Columbus Columbus Columbus

Carroll Carroll Carroll Bartow Bartow Floyd Polk Murray Murray Dodge Walker Habersham Evans Evans Rabun Rabun Rabun White White Tattnall Bleckley Bleckley Miller Muscogee Musco gee Muscogee Muscogee

Citizens Bank and Trust of West Georgia The Community Bank of Carrollton * West Georgia National Bank of Carrollton Bartow County Bank First Community Bank & Trust 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 Rabun County Bank * The First National Bank of White County White County Bank The Brown Bank The Citizens Bank of Cochran State Bank of Cochran Peoples Community Bank Barnett Bank of Southwest Georgia Central Carolina Bank- Georgia Columbus Bank and Trust Company First Alabama Bank of Columbus

BEGIN BUSINESS
07-01-47 06-15-88 09-16-46 03-28-74 10-23-89 06-15-67 01-01-20 01-24-06 08-18-75 09-26-66 05-10-10 05-01-04 02-24-41 09-03-40 07-01-04 03-05-90 10-10-75 11-17-86 10-29-76 06-24-70 07-01-42 01-05-22 10-19-73 12-01-34 05-28-93
1889 07-29-91

TOTAL **ASSETS
205,004 37,310 140,531 78,257 48,251 15,027 78,538 122,819 55,021 26,126 45,579
158,486 69,772 34,885 107,427 33,822 51,034 102,836 65,223
6,269 41,822 70,269 40,869 339,092 17,848 1,383,983 107,215

* Member of Federal Reserve System

** Amounts are in thousands as of 12-31-93

44

STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Columbus Columbus Columbus Columbus Come Commerce Commerce Conyers Coolidge Cordele Cordele Cordele Cornelia Cornelia Covington Covington Crawford Crawfordville Cumming Cumming Cuthbert Dahlonega Dahlonega Dallas Dalton Dalton Danielsville

Muscogee Muscogee Muscogee Muscogee Madison Jackson Jackson Rockdale Thomas Crisp Crisp Crisp Habersham Habersham Newton Newton Oglethorpe Taliaferro Forsyth Forsyth Randolph Lumpkin Lumpkin Paulding Whitfield Whitfield Madison

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 Central Bank and Trust Company Cordele Banking Company First State Bank and Trust Company in Cordele Community Bank & Trust- Habersham * First National Bank of Habersham The Bank of Covington * First National Bank of Newton County 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 Danielsville

BEGIN BUSINESS
04-20-89 11-20-89
1892 03-26-90 10-10-35
1892 01-01-04 01-06-89 11-20-11 06-30-93 06-15-27 01-03-39
1900 09-15-79 04-10-01 08-28-63 09-05-24 01-02-48 10-08-86 07-23-84 01-02-59 05-27-14 12-14-82 02-01-22 04-30-90 02-20-22 01-15-08

TOTAL **ASSETS
57,035 70,051 349,633 30,645 39,237 42,671 113,410 36,838 11,518 39,272 81,086 76,175 140,183 111,620 186,187 111,340 38,630 15,240 50,840 110,315 34,225 117,454 30,237 159,938 98,238 248,127 46,490

* Member of Federal Reserve System

** Amounts are in thousands as of 12-31-93

45

STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

BEGIN BUSINESS

TOTAL **ASSETS

Darien Dawson Dawson Dawsonville Dawsonville Decatur Decatur Dexter Donalsonville Donalsonville Douglas Douglas Douglas Douglasville Douglasville Douglasville Dublin Dublin Dudley Duluth Duluth East Point Eastman Eastman Eatonton Eatonton Edison

Mcintosh Terrell Terrell Dawson Dawson DeKalb DeKalb Laurens Seminole Seminole Coffee Coffee Coffee Douglas Douglas Douglas Laurens Laurens Laurens Gwinnett Gwinnett Fulton Dodge Dodge Putnam Putnam Calhoun

Southeastern Bank Bank of Dawson Bank of Terrell Dawson County Bank First Community Bank of Dawsonville Bank Atlanta * Fidelity National Bank The Knight State Bank Commercial State Bank Merchants and Farmers Bank Coffee County Bank * First National Bank of Coffee County Trust Company Bank of Coffee County Citizens & Merchants State Bank The Commercial Bank Douglas County 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

1889 07-01-11 05-01-36 07-13-53 04-22-91 12-15-87 02-12-74 02-01-67 12-16-38 09-24-25 07-01-31 09-23-91 07-05-45 10-06-87 05-01-42 06-24-74 07-06-10 10-02-58 11-01-05 04-16-84 06-01-89 03-25-88 01-02-19 04-01-49 11-15-22 05-01-44
1904

232,778 55,652 68,296 52,234 31,543 37,925
329,591 27,376 38,091 38,802 53,481 31,989 114,913 46,770 143,554 46,898 178,200 72,084 37,023 75,728 36,448 68,927 76,670 64,058 66,832 58,878 37,179

*Member of Federal Reserve System

** Amounts are in thousands as of 12-31-93

46

STATE AND NATIONAL BANKS

CITY

COUNTY

Elberton

Elbert

Elberton

Elbert

Ellaville

Schley

Ellijay

Gilmer

Ellijay

Gilmer

Evans

Columbia

Fairburn

Fulton

Fayetteville Fayette

Fitzgerald

Ben Hill

Fitzgerald

Ben Hill

Forsyth

Monroe

Forsyth

Monroe

Fort OglethorpeCatoosa

Fort Valley

Peach

Fort Valley

Peach

Franklin

Heard

Gainesville

Hall

Gainesville

Hall

Gainesville

Hall

Gainesville

Hall

Gainesville

Hall

Gainesville

Hall

Gibson

Glascock

Glennville

Tattnall

Glennville

Tattnall

Gordon

Wilkinson

Gray

Jones

NAME OF BANK
* First National Bank in Elberton Granite City Bank Bank of Ellaville The Bank of Ellijay
* First National Bank of Gilmer County Citizens Bank & Trust Fairburn Banking Company Citizens Bank and Trust of Fayette County The Bank of Fitzgerald
* First South Bank of Ben Hill County, N.A. The Farmers Bank Monroe County Bank Capital Bank The Citizens Bank
* First South Bank, N.A The Bank of Heard County The Citizens Bank
* The First National Bank of Gainesville Gainesville Bank & Trust
* Georgia First Bank * Lanier National Bank
Trust Company Bank of North Georgia Bank of Gibson First Citizens Bank The Glennville Bank and Trust Company The Gordon Bank Bank of Gray

BEGIN BUSINESS
03-12-34 01-02-28 09-16-10 06-01-14 08-29-74 10-07-88
1902 08-06-90 04-15-76 10-30-92
1910 10-15-08 08-07-64 01-01-07 10-15-24 10-18-05 06-01-13
1889 02-01-88 03-25-85 08-01-89
1957 11-27-05 01-04-43 01-18-05 08-01-46 08-28-09

TOTAL **ASSETS
122,570 103,513 34,060 104,650 46,022 75,334 70,269 62,775 86,625 20,625 37,932 31,197 58,279 55,037 98,545 34,243 98,641 975,790 81,718 83,979 53,479 321,018
7,962 44,375 58,508 28,420 65,721

* Member of Federal Reserve System

** Amounts are in thousands as of 12-31-93

47

STATE AND NATIONAL BANKS

CITY
Greensboro Greensboro Greenville Griffin Griffin Griffin Haddock Hahira Hahira Hartwell Hawkinsville Hawkinsville Hazlehurst Hiawassee Hiawassee Hinesville Hinesville Hiram Hogansville Homer Homerville Irwinton Jackson Jasper Jasper Jasper Jefferson

COUNTY

NAME OF BANK

Greene Greene Meriwether Spalding Spalding Spalding Jones Lowndes Lowndes Hart Pulaski Pulaski Jeff Davis Towns Towns Liberty Liberty Paulding Troup Banks Clinch Wilkinson Butts Pickens Pickens Pickens Jackson

The Central and Southern Bank of Greensboro Citizens Union Bank The Greenville Banking Company The Bank of Spalding County * First National Bank of Griffin United Bank of Griffin Jones County Bank Citizens Community Bank Commercial Banking Company Bank of Hartwell Planters Bank The Pulaski Banking Company Bank of Hazlehurst Bank of Hiawassee * Towns County Bank The Coastal Bank The Hinesville Bank Community Trust Bank The Citizens Bank Bank of Banks County Empire Banking Company Wilkinson County Bank Mcintosh State Bank Crescent Bank and Trust Company Jasper Banking Company Pickens County Bank * The First National Bank of Jackson County

BEGIN BUSINESS
10-14-26 04-01-46
1891 12-05-86 05-12-33 08-01-27 07-25-05 02-21-27 04-05-45 11-09-61
1896 08-27-49 10-01-06 07-21-09 12-08-84 07-09-70 11-15-11 02-02-88 12-11-61 12-28-74 06-01-45 07-16-07 09-18-64 08-14-89 03-12-45 06-18-77 01-01-08

TOTAL **ASSETS
48,787 76,071 16,662 54,477 138,416 79,352
3,681 39,822 22,831 53,202 51,472 45,347 39,034 94,941 28,331 75,589 128,456 63,934 23,771 53,412 45,998 21,039 64,205 46,721 104,589 44,622 54,766

* Member of Federal Reserve System

** Amounts are in thousands as of 12-31-93

48

STATE AND NATIONAL BANKS

CITY

COUNTY

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

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

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

BEGIN BUSINESS
12-10-69 09-26-90 05-14-90 10-27-71
1899 12-15-84 09-15-41
1907 09-23-40 10-10-88 04-21-88 07-17-05 07-27-90 01-03-66 06-25-07 12-02-11 04-26-89
1910 10-05-46 06-13-88 01-01-02 07-02-45 12-01-11 06-01-35 04-28-86 07-15-88 10-30-92

TOTAL **ASSETS
12,414 23,010 47,772 11,388 102,912 25,594 137,137 96,213 62,665 33,636 114,098 186,025 56,749
7,290 17,113 43,839 28,726 48,658 30,307 15,510 79,994 11,232 25,495 31,835 58,777 78,244 9,441

* Member of Federal Reserve System

** Amounts are in thousands as of 12-31-93

49

STATE AND NATIONAL BANKS

CITY
Macon Macon Madison Madison Manchester Marietta Marietta Marietta Marietta McDonough McRae McRae Metter Metter Milan Milledgeville Milledgeville Milledgeville Milledgeville Millen Millen Molena Monroe Monroe Monticelo Moultrie Moultrie

COUNTY

NAME OF BANK

Bibb Bibb Morgan Morgan Meriwether Cobb Cobb Cobb Cobb Henry Telfair Telfair Candler Candler Telfair Baldwin Baldwin Baldwin Baldwin Jenkins Jenkins Pike Walton Walton Jasper Colquitt Colquitt

* 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 Alliance Bank * First North American National Bank First Community Bank of Henry County The Merchants & Citizens Bank The Security State Bank Metter Banking Company Pineland State Bank Bank of Milan The Central & Southern Bank of Georgia Century Bank and Trust Exchange Bank * First National Bank of Baldwin County Bank of Millen Ogeechee Valley Bank First Bank of Pike * The National Bank of Walton County Walton Bank & Trust Co. Bank of Monticello American Banking Company * Moultrie National Bank

BEGIN BUSINESS
11-03-88 09-12-12
1890 1898 02-21-48 02-02-89 04-17-87 07-29-85 11-19-90 08-04-84 03-28-29 08-23-72 08-26-35 10-15-62 10-01-06 1884 1898 06-01-03 07-03-89 1893 01-07-74 1899 1891 08-15-88 02-10-64 10-01-71 01-03-28

TOTAL **ASSETS
66,022 558,582
44,861 37,264 25A27 69,521 78J69 134,228 257,848 40,961 39,271 28,096 67,353 27,290 16,854 195,164 97,561 94A30 4L562 39A97 18,091 14J14 11 L986 25,770 35,324 82,828 187J87

* Member of Federal Reserve System

** Amounts are in thousands as of 12-31-93

50

STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Mount Vernon Montgomery Citizens Bank & Trust Company of Mount Vernon

Nashville

Berrien

The Citizens Bank

Nashville

Berrien

The United Banking Company

Newington

Screven

Bank of Newington

Newnan

Coweta

Bank of Coweta

Newnan

Coweta

The Bank of Newnan

Newnan

Coweta

* First South Bank of Coweta County, N.A

Newton

Baker

Baker County Bank

Norcross

Gwinnett

First Gwinnett Bank

Norcross

Gwinnett * First Security National Bank

Ocilla

Irwin

The Bank of Ocilla, Georgia

Ocilla

Irwin

The First State Bank of Ocilla

Omega

Tift

South Georgia Banking Company

Patterson

Pierce

The Patterson Bank

Peachtree City Fayette

Fayette County Bank

Peachtree City Fayette

* Peachtree National Bank

Pearson

Atkinson

The Citizens Exchange Bank

Pelham

Mitchell

Pelham Banking Company

Pembroke

Bryan

The Pembroke State Bank

Perry

Houston

The Bank of Perry

Perry

Houston

Crossroads Bank of Georgia

Pine Mountain Harris

First Peoples Bank

Pineview

Wilcox

Pineview State Bank

Pitts

Wilcox

Community Bank of Wilcox

Powder Springs Cobb

Independent Bank & Trust Company

Quitman

Brooks

Bank of Quitman

Quitman

Brooks

* The Citizens National Bank of Quitman

BEGIN BUSINESS
01-24-01 03-01-43 07-15-24 08-14-19 10-06-72 11-23-87 10-30-92 10-15-06 11-30-87 06-25-85 10-01-56 06-01-43 01-02-68 06-19-07 11-03-89 09-11-86 05-12-45 12-08-36 02-11-38
1889 09-14-87 07-09-90 09-20-10 06-01-06 01-11-90
1888 08-25-34

TOTAL **ASSETS
23,702 52,499 37,284 19,946 146,475 52,059 22,744 15,853 48,190 36,275 36,180 32,018 81,347 31,385 67,684 77,726 15,210 41,037 51,413 49,385 49,721 32,000 12,991 20,678 62,474 33,216 36,086

*Member of Federal Reserve System

** Amounts are in thousands as of 12-31-93

51

STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Reidsville Reynolds Richmond Hill Rincon Ringgold Riverdale Riverdale Roberta Rochelle Rockmart Rome Rome Rome Rome Rossville Roswell Roswell Royston Sandersville Sandersville Sandy Springs Sardis Savannah Savannah Savannah Savannah Savannah

Tattnall Taylor Bryan Effingham Catoosa Clayton Clayton Crawford Wilcox Polk Floyd Floyd Floyd Floyd Walker Fulton Fulton Franklin Washington Washington Fulton Burke Chatham Chatham Chatham Chatham Chatham

The Tattnall Bank The Citizens State Bank Bryan Bank & Trust Effingham Bank & Trust Northwest Georgia Bank Peach State Bank Tara State Bank United Bank of Crawford Rochelle State Bank United Bank & Trust Company Citizens First Bank First Rome Bank The Georgia State Bank of Rome * Trust Company Bank of Northwest Georgia, N.A. Rossville Bank * Milton National Bank 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. The Carver State Bank * NationsBank of Georgia, N.A. * The Savannah Bank National Association * Trust Company of Georgia Bank of Savannah, N.A.

BEGIN BUSINESS
1900 09-08-22 12-27-89 03-14-88 08-01-04 10-04-89 03-17-84 01-08-01 08-01-47 01-16-90 01-01-11 10-03-88 01-05-78
1977 12-13-63 01-18-92 07-13-87 09-01-41 05-03-65 03-18-57 06-01-84 07-02-45 04-30-85 06-04-47
1887 08-22-90
1889

TOTAL **ASSETS
34,603 25,019 42,159 22,246 157,273 39,568 56,670 25,648 15,140 24,464 130,216 125,343 103,388 250,758 78,164 31,912 102,425 80,497 60,577 65,016 159,800 25,764 54,032 19,656 15,308,182 71,830 444,649

* Member of Federal Reserve System

** Amounts are in thousands as of 12-31-93

52

STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

BEGIN BUSINESS

TOTAL **ASSETS

Senoia Smyrna Snellville Social Circle Soperton Sparta Sparta Springfield St Simons lsld Stapleton Statesboro Statesboro Statesboro Statesboro Stockbridge Stockbridge St. Marys Summerville Summerville Summerville Swainsboro Swainsboro Swainsboro Sylvania Sylvester Sylvester Talbotton

Coweta Cobb Gwinnett Walton Treutlen Hancock Hancock Effingham Glynn Jefferson Bulloch Bulloch Bulloch Bulloch Henry Henry Camden Chattooga Chattooga Chattooga Emanuel Emanuel Emanuel Screven Worth Worth Talbot

Farmers and Merchants Bank of Senoia * Smyrna Bank & Trust Co.
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 Bank of Stapleton Eagle Bank and Trust Farmers & Merchants Bank First Bulloch Bank & Trust Company Sea Island Bank * The First National Bank of Henry County The First State Bank * First National Bank AmSouth Bank of Georgia Farmers & Merchants Bank * First National Bank of Chattooga County The Central Bank The Citizens Bank of Swainsboro Spivey State Bank Farmers and Merchants Bank Bank of Worth Sylvester Banking Company The Peoples Bank of Ta Ibotton

1889 12-23-85 01-22-90 03-08-24
1903 09-05-04 06-0l-67 12-07-89 12-12-88
1916 02-20-91 02-17-48 04-14-34
1901 12-11-90 10-08-64 07-10-89 02-01-93 02-06-26 05-22-68 11-09-20
1900 03-01-65 03-01-46 06-22-81
1898 1891

25,081 93,123 45,220 40,485 33,323 52,534
8,635 26,317 41,008 15,883 43,271 67,094 170,102 151,704 29,278 159,693 33,761 30,821 131,047 28,600 58,754 46,622 71,176 61,822 29,671 43,165 13,751

* Member of Federal Reserve System

** Amounts are in thousands as of 12-31-93

53

STATE AND NATIONAL BANKS

CITY
Thomaston Thomaston Thomasville Thomasville Thomson Thomson Tifton Tifton Tifton Toccoa Toccoa Toccoa Trenton Trenton Tucker Tucker Twin City Union City Union Point Uvalda Valdosta Valdosta Valdosta Vidalia Vidalia Vienna Vienna

COUNTY

NAME OF BANK

Upson

Bank of Upson

Upson

West Central Georgia Bank

Thomas

Commercial Bank

Thomas

First Merchants Bank

McDuffie

Allied Bank of Georgia

McDuffie

McDuffie Bank & Trust

Tift

The Citizens Bank of Tifton

Tift

First Community Bank of Tifton

Tift

Tifton Bank & Trust Company

Stephens

The Bank of Toccoa

Stephens

The Citizens Bank

Stephens

Liberty Bank & Trust

Dade

Bank of Dade

Dade

Citizens Bank and Trust, Inc.

DeKalb

DeKalb State Bank

DeKalb

* Mountain National Bank

Emanuel

Durden Banking Company, Incorporated

Fulton

Southern Crescent Bank

Greene

The Farmers Bank

Montgomery Altamaha Bank and Trust Company

Lowndes

First State Bank and Trust Company of Valdosta

Lowndes

The Park Avenue Bank

Lowndes

Valdosta Bank and Trust

Toombs

Darby Bank and Trust Company

Toombs

First Community Bank of Vidalia

Dooly

Bank of Dooly

Dooly

Citizens Bank

BEGIN BUSINESS
10-01-51 04-15-74 07-22-16 01-20-67
1891 01-09-89 04-15-48 02-24-37 04-18-88 09-01-11 03-16-51 07-23-84 01-12-56 01-18-88 08-05-91 08-02-88 07-05-35 10-31-88 09-06-11 05-16-66 03-01-06 06-28-71 08-06-90 07-01-34 10-14-65 07-30-76 07-01-31

TOTAL **ASSETS
103,397 54,741 190,971 20,426 280,367 41,366 59,199 103,166 50,426 75,303 89,481 18,137 47,950 42,263 35,054 82,209 42,425 93,637 45,840 53,507 149,714 127,193 39,737 59,685 35,358 34,287 69,431

*Member of Federal Reserve System

** Amounts are in thousands as of 12-31-93

54

STATE AND NATIONAL BANKS

CITY

COUNTY

NAME OF BANK

Villa Rica Wadley Warner Robins Warrenton Washington Watkinsville Watkinsville Waycross Waynesboro West Point Willacoochee Winder Winder Winterville Woodbury Woodland Woodstock Woodstock Wrens Wrightsville Zebulon

Carroll Jefferson Houston Warren Wilkes Oconee Oconee Ware Burke Troup Atkinson Barrow Barrow Clarke Meriwether Talbot Cherokee Cherokee Jefferson Johnson Pike

Bank of Villa Rica Bank of Wadley CB&T Bank of Middle Georgia Citizens Bank Farmers and Merchants Bank Bank of Georgia Oconee State Bank Waycross Bank & Trust * The First National Bank of Waynesboro * First National Bank of West Point The Peoples Bank Barrow Bank & Trust Company The Peoples Bank * Southern Heritage Savings Bank The Woodbury Banking Company Talbot State Bank * First National Bank of Cherokee * North Georgia National Bank First State Bank Bank of Wrightsville United Bank of Pike

BEGIN BUSINESS
1899 01-01-02 01-04-85 04-01-02 03-14-50 08-12-85 02-01-60 06-01-88 01-01-05 01-13-06 01-15-52 12-15-87 10-30-26 10-25-85 09-29-02 11-25-07 11-27-89 07-30-90 07-06-64
1897 01-31-05

TOTAL **ASSETS
53,264 20,332 127,563 24,004 110,263 36,094 80,039 56,958 48,722 93,817 19,724 54,280 98,858 24,446 17,409 22,997 46,496 55,177 41,915 43,077 61,993

* Member of Federal Reserve System

** Amounts are in thousands as of 12-31-93
55

NAME AND LOCATION OF PARENT 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
The Chattahoochee Bank Atlanta
Citizens Trust Bank Atlanta
Commercial Bank of Georgia Atlanta
Embry National Bank Atlanta

BRANCH BANKS BRANCH BANK COUNTIES
Clay, Decatur, Lee, Randolph Miller Ben HilL Irwin, Mitchell, Terrell, Thomas, Tift, Worth
Webster Franklin, Hart Jackson, Oconee, Walton Morgan
Barrow, Ben Hill, Bibb, Camden, Chatham, Clarke, Clayton, Cobb, Coffee, DeKalb, Fayette, Forsyth, Gwinnett, Henry, Houston, Jasper, Monroe, Muscogee, Rockdale, Spalding, Ware, Washington Cobb, DeKalb DeKalb Cobb Fulton
56

BRANCH BANKS

NAME AND LOCATION OF PARENT BANK

BRANCH BANK COUNTIES

First Capital Bank Atlanta
First Union National Bank of Georgia Atlanta
The Merchant Bank of Atlanta Atlanta
Reliance Trust Company Atlanta
SouthTrust Bank of Georgia, N.A. Atlanta
Summit National Bank Atlanta
Trust Company Bank Atlanta
Wachovia Bank of Georgia, National Association Atlanta
Georgia Bank & Trust Company of Augusta Augusta
Trust Company Bank of Augusta National Association Augusta

Gwinnett
Bibb, Bleckely, Burke, Chatham, Chattahoochee, Cherokee, Clayton, Cobb, Colquit, Columbia, Coweta, DeKalb, Dougherty, Douglas, Fayette, Floyd, Glynn, Gwinnett, Haralson, Harris, Henry, Jones, Laurens, Liberty, Lowndes, Macon, Murray, Muscogee, Newton, Peach, Pike, Pulaski, Putnam, Richmond, Rockdale, Screven, Spalding, Sumter, Toombs, Ware, Whitfield, Wilkes Clayton, Cobb, DeKalb
Fulton
Bartow, Carroll, Clayton, Cobb, DeKalb, Douglas, Fayette, Gwinnett, Haralson, Henry, Jackson, Lowndes, Rockdale Cobb
Carroll, Cayman Islands, Cherokee, Clayton, Cobb, DeKalb, Douglas, Gwinnett, Henry, Rockdale Bartow, Bibb, Bulloch, Chatham, Cherokee, Clayton, Cobb, Colquit, DeKalb, Fayette, Forsyth, Gordon, Gwinnett, Hall, Houston, Lumpkin, Macon, Richmond, Sumter, Walton, Wayne, Whitfield Columbia
McDuffie
57

BRANCH BANKS

NAME AND LOCATION OF PARENT BANK
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
Cairo Banking Company Cairo
Etowah Bank Canton
Citizens Bank and Trust of West Georgia Carrollton
Cohutta Banking Company Chatsworti-J
Barnett Bank of Southwest Georgia Columbus
Columbus Bank and Trust Company Columbus

BRANCH BANK COUNTIES
Ware Camden, Wayne
Camden Appling, Ware, Wayne
Bartow Thomas Cobb, Fulton, Paulding Haralson Walker Grady, Lowndes, Meriwether, Thomas Chattahoochee, Macon, Marion, Meriwether

58

BRANCH BANKS

NAME AND LOCATION OF PARENT BANK
Trust Company Bank of Columbus, N.A. Columbus
The First National Bank of Commerce Commerce
Southeastern Bank Darien
Fidelity National Bank Decatur
First South Bank, National Association Fort Valley
Trust Company Bank of North Georgia Gainesville
Citizens Community Bank Hahira
The Coastal Bank Hinesville
Bank of Banks County Homer
The First National Bank & Trust Company Louisville
Trust Company Bank of Middle Georgia, National Association Macon
The Central & Southern Bank of Georgia Milledgeville

BRANCH BANK COUNTIES
Troup Habersham, Oglethorpe Brantley, Camden, Charlton, Coffee, Jeff Davis Fulton, Cobb Johnson, Macon, Newton, Turner Fannin, Forsyth, Gwinnett Habersham, White Brooks Chatham, Long Jackson Burke Houston
Coffee, Telfair
59

BRANCH BANKS

NAME AND LOCATION OF PARENT BANK

BRANCH BANK COUNTIES

Bank of Coweta Newnan
Trust Company Bank of Northwest Georgia, National Association Rome
NationsBank of Georgia, N.A Savannah

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

Allied Bank of Georgia Thomson
Mountain National Bank Tucker
Southern Crescent Bank Union City
First National Bank of Cherokee Woodstock
North Georgia National Bank Woodstock

Columbia, Jefferson, Richmond Gwinnett Clayton Cobb Fulton

60

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

REGISTRANT
SouthTrust Bank of Alabama, N.A. 420 N. 20th Street Birmingham, AL 35203
Collateral Mortgage, Ltd. 1900 Crestwood Boulevard Birmingham, AL 35210
Compass Bank 701 South 32nd Street Birmingham, AL 35233
First National Bank of Boston (The) 100 Federal Street Boston, MA 02110
State Street Bank & Trust Company 225 Franklin Street Boston, MA 02110
Marine Midland Banks, Inc. One Marine Midland Center Buffalo, NY 14203

NAME AND LOCATION
SouthTrust Bank of Alabama, N.A. 3343 Peachtree Road Suite 1000 Atlanta, GA 30326
*Collateral Mortgage, Ltd. 5651 Whitesville Road Suite 109 Columbus, GA 31090
Compass 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 Lenox Towers, Suite 1000 3390 Peachtree Road, N.E. Atlanta, GA 30326
*Carroll McEntee & McGinley Incorporated (CM&M)
3399 Peachtree Rd, N.E. Suite 1490 Atlanta, GA 30326

61

MANAGING OFFICER, TELEPHONE NO.
Jerry W. Crigger Senior Vice Presi 404-230-8741
Linda G. Garnto Mortgage Officer 706-576-4352
Mark Frost Managing Officer 404-982-0248
James A. Mahoney Division Executiv 404-393-4676
George Grfoerer Managing Officer 404-364-6560
Dennis L. Fish Managing Officer 404-264-1200

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

REGISTRANT
NationsBank Corporation NationsBank Corporate Center 100 North Tyson Street Charlotte, NC 28255
Great Western Financial Corporation 9200 Oakdale Avenue Chatsworth, CA 91311
LaSalle National Bank 120 S. LaSalle Street Chicago, IL 60603
Sears, Roebuck and Company Sears Tower Chicago, IL 60684
Continental Bank, N.A. 231 South LaSalle Street Chicago, IL 60697
Resource Bancshares Corporation 1901 Main Street Suite 650 Columbia, SC 29201

NAME AND LOCATION
NationsBank Community Development Corporation
600 Peachtree Street, NE 19th Floor Atlanta, GA 30308
*Great Western Mortgage Corporation 861 Holcomb Bridge Road Suite 200 Roswell, GA 30076
LaSalle National Bank 5901-B Peachtree Dunwoody Road Suite 500 Atlanta, GA 30328
*Allstate Insurance Group Allstate Insurance
7000 Central Parkway Suite 700 Atlanta, GA 30328
Continental Bank, N.A. 950 East Paces Ferry Road Suite 3375 Atlanta, GA 30326
Resource Bancshares Mortgage Group Inc.
3295 River Exchange Drive Suite 420 Norcross, GA 30092
62

MANAGING OFFICER, TELEPHONE NO.
James S. Grauley Vice President 404-607-6169
C. David King Managing Officer 404-998-2182
Saul Cohen Managing Officer 404-394-0600
Mike Foley Managing Officer 404-885-3575
William I. Rau Managing Officer 404-364-3300
Keith Gettmann Senior Vice Presi 404-242-0020

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

REGISTRANT
Bane One Corporation 100 East Broad Street Columbus, OH 43271
Bluebonnet Savings Bank FSB 3100 Monti ce 11 o P.O. Box 8400 Dallas, TX 75205-0400
J.C. Penney Company, Inc. P. 0. Box 10001 Dallas, TX 75301-0001
Savings Financial Corporation c/o SMAI
3100 Monticello, Suite 9 West Dallas, TX 77205
Bane One Leasing Corporation 1401 Seventeenth Street Suite 900 Denver, CO 80202
First Interstate Bank of Denver, NA 633 Seventeenth Street Denver, CO 80202

NAME AND LOCATION
Bane One Financial Services, Inc. 2359 Windy Hill Rd Suite 210 Marietta, GA 30067-0024
*Bluebonnet Savings Bank, FSB Division
1100 Johnson Ferry Road Suite 1050 Atlanta, GA 30342
*J.C. Penney Company, Inc. Southeastern Region
North Park Pound Center 1000 Abernathy Road, N.E. Atlanta, GA 30328
American Savings Mortgage Corporation
150 Interstate North Parkway Suite 295 Atlanta, GA 30339
Bane One Leasing Corporation 9755 Dogwood Rd Roswell, GA 30075
First Interstate Bank 400 Colony Square, Suite 1006 1201 Peachtree Street Atlanta, GA 30361

63

MANAGING OFFICER, TELEPHONE NO.
Larry G. Seymour Managing Officer 404-984-9082
Dorothy Cantrell Managing Officer 404-303-8300
R. H. Seaman Regional Presiden 404-397-5600
Jerry Culpepper Managing Officer 404-980-0502
Charles Litt Managing Officer 404-642-2430
B. Jane Fortson Managing Officer 404-881-8221

REGISTRANT
Central Carolina Bank &Trust Co.
111 Corcoran Street Durham, NC 27701
Bank United of Texas, FSB 3200 Southwest Freeway Suite 1600 Houston, TX 77027
Eastern Savings Bank, FSB 11350 McCormick Road Suite 200 Executive Plaza II Hunt Valley, MD 21031
Merrill Lynch Trust Company 50 North Laura Street Suite 3650 Jacksonville, FL 32202
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
First Tennessee National Corporation
165 Madison Avenue Memphis, Tennessee 38103

REPRESENTATIVE OFFICES OF OUT-OF-STATE BANKS (O.C.G.A. 7-1-590)
NAME AND LOCATION
Central Carolina Bank & Trust Co.
778 Willowcreek Drive Atlanta, GA 30328
*Bank United of Texas, FSB 4 Concourse Parkway Suite 100 Atlanta, GA 30328
Eastern Savings Bank Outlet Square Shopping Center 4166 Buford Highway, NE Atlanta, GA 30345
Merrill Lynch Trust Company 100 Abernathy Road Suite 700, Building 400 Atlanta, GA 30328-5602
VST Financial Services, Inc. 5901-C Peachtree Dunwoody Rd Suite 420 Atlanta, GA 30328
Capital Guardian Trust Company Promenade II, Suite 2550 1230 Peachtree Street Atlanta, GA 30309
Gulf Pacific Mortgage, A Division of 1st Tennessee Bank, NA
3200 Windy Hill Road, Suite 1460 West Marietta, GA 30067
64

MANAGING OFFICER, TELEPHONE NO.
Diane C. Leeder Managing Officer 404-252-2336
Robert Odom Managing Officer 404-698-6020
Michael D. Surgen Managing Officer 404-248-1310
Lawrence H. Taylor Regional Trust Re 404-392-6680
Kenneth E. Moore Managing Officer 404-551-8822
Fred R. Betts Senior Vice Presi 404-607-6868
Alisa Reasor Managing Officer 404-850-1067

REGISTRANT
IDS Deposit Corp. 6985 Union Park Center Midvale, UT 84047
Bradford Trust Co. 330 Commerce Street Nashville, TN 37201
Gulf Coast Bank & Trust Company
200 St. Charles Avenue New Orleans, LA 70130
Chemical Banking Corporation 270 Park Avenue New York, NY 10017
Citicorp Services, Inc. 399 Park Avenue Suite 600 New York, NY 10043
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

REPRESENTATIVE OFFICES OF OUT-OF-STATE BANKS (O.C.G.A. 7-1-590)
NAME AND LOCATION
*IDS Financial Services Inc. 1200 Ashwood Parkway Suite 150 Atlanta, GA 30338
*J. C. Bradford & Co.
525 South Milledge Avenue Athens, GA 30605
Gulf Coast Bank & Trust Company
1364 Brawley Circle, NE Atlanta, GA 30319
*Chemical Financial Services Corporation
375 Northridge Road Atlanta, GA 30350
*Citicorp North America, Inc. (& Affiliates)
400 Perimeter Center Terrace Suite 600 Atlanta, GA 30346
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
65

MANAGING OFFICER, TELEPHONE NO.
Raymond E. Carother Managing Officer 404-396-7840
Robert Evans Managing Officer 706-353-0408
Juan Lago Managing Officer 404-458-3359
William A. Perkins Asstistant Vice P 404-395-1990
Warren Harnew Managing Officer 404-668-8106
Shusai Nagai General Manager 404-524-8770
Leonard H. Kidwell Managing Officer 302-456-8135

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

REGISTRANT
Valley National Financial Services Company
1600 E. Northern #125 Phoenix, AZ 85020
Mellon Bank Corporation Mellon Bank Center Pittsburgh, PA 15259-0003
Fleet Financial Group 50 Kennedy Plaza Providence, RI 02903

NAME AND LOCATION
Valley National Financial Services Company
900 Circle 75 Pkwy Suite 175 Atlanta, GA 30339
Mellon 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

BankAmerica Corporation 555 California Street San Francisco, CA 94104
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

*BankAmeri Lease 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
1696 Peachtree Parkway Suite 229 Norcross, GA 30092
66

MANAGING OFFICER, TELEPHONE NO. Donald L. Murphy Vice President 404-933-8370
Anthony Sims Managing Officer 404-994-5380
Martha Marchman Managing Officer 404-916-0404
Bill Lockhart Managing Officer 404-249-6918
John Underwood Managing Officer 404-433-1233
Robert L. Westfall, Vice President 404-263-3712

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

REGISTRANT

NAME AND LOCATION

Beneficial Corporation One Christina Centre 301 N Walnut Street Wilmington, DE 19801

*Beneficial Georgia, Inc. 2700 Dawson Road Building 2, Suite 9 Albany, GA 31701

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

MANAGING OFFICER, TELEPHONE NO.
Joseph Moye l Managing Officer 912-883-4720

67

LOAN PRODUCTION OFFICES

REGISTRANT
Georgia Bankers Bank 3715 Northside Parkway, NW Building 300, Suite 800 Atlanta, GA 30327
Cohutta Banking Company P.O. Box 10 Chatsworth, GA 30705
Crescent Banking Company 1200 Appa1achian Parkway Jasper, GA 30143
Knox Mortgage Company 203 Main Street Thomson, GA 30824
TSB Bancorp, Inc. P.O. Box 215 Woodland, GA 31836

NAME AND LOCATION
Georgia Bankers Ban~ 3715 Northside Parkway, NW Building 300, Suite 800 Albany, GA 31707
Cohutta Banking Company 2075 Airport Road Suite 9 Dalton, GA 30722
Crescent Mortgage 115 Perimeter Center Place Atlanta, GA 30346
*Knox Mortgage Company 4129 B. Columbia Road Martinez, GA 30907
Talbot State Bank Mortgage Loan Division
5624 Whitesville Road Columbus, GA 31904

*Indicates Various Other ~!a:aes an.j/or Locations Are Aiso Registered

MANAGING OFFICER, TELEPHONE NO.
J. 0. Bell Managing Officer 404-848-2900
Mike Medea lf Managing Officer 706-278-4878
Bob KenKnight Managing Officer 404-392-1611
W. Tattnall Thompso~, III Managing Officer 706-868-6300
Jimmy Davidson Vice President 706-323-4510

68

INTERNATIO~AL BANK AGENCIES (O.C.G.A. 7-1-710)

NAME AND ADDRESS

FOREIGN LOCATION

AGENT, TELEPHONE NO., AND DATE PERMIT ISSUED

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

Amsterdam, The Nederlands

W. Patrick Fischer Senior VP/Agency Manager 404-396-0066 June 24, 1977

Banca Nazionale Del Lavoro 245 Peachtree Center Avenue, NE Suite 2120, Marquis One Tower Atlanta, GA 30303-1204

Rome, Italy

Giulio Di Simone First VP and Manager 404-614-4600 February 9, 1982

Bank of Nova Scotia (The) Suite 2700 600 Peachtree Street, N.E. Atlanta, GA 30308

Toronto, Ontario, Canada

Will i am J. Brown Vice President 404-877-1500 May 27, 1977

Bank of Tokyo, Limited (The) - Atlanta Agency
133 Peachtree Street, NE., Ste. 5050 5050 Georgia Pacific Center Atlanta, GA 30303-1821

Tokyo, Japan

Masahiro Suzuki General Manager 404-577-2960 February 15, 1991

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

London, England

G. Alister Bazaz
Vice President & Director
404-859-2400
June 11, 1976

Canadian Imperial Bank of Commerce Suite 1200 2727 Paces Ferry Road Atlanta, GA 30339

Toronto, Ontario, Canada

William J. Maron Managing Director 404-319-4999 April 5, 1978

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

Frankfurt, West Germany

Andreas Bremer Senior Vice President 404-888-6500 October 31, 1978

*Agencies with no assets operate as Representa~ive Offices only
69

*GEORGIA ASSETS
lli Thousands)
360,417 494,461 255,808
19,497

INTERNATIONAL BANK AGENCIES
______ (!L_~:G._A=-_l-1-Z}O)_ _

NAMF AND ADDRESS

FOREIGN LOCATION

AGENT, TELEPHONE NO., AND DATE PE~~IT ISSUED

Credit Lyonnais Suite 1700 235 Peachtree Street, NE Atlanta, GA 30303-1406

Paris, France

David M. Cawrse Manager 404-524-3700 November 6, 1980

Cred~t Suisse Suite 3500 191 Peachtree Stree~, NW Atlanta, GA 30303-1757

Zurich, Switzerland

Robert N. Finney Vice President/Manager 404-577-6100 November 27, 1978

Dai-Ichi Kangyo Bank, Limited (The) Suite 2400 285 Peachtree Center Avenue, NE At1anta, GA 30303-1229

Tokyo, Japan

Noboru Hasegawa General Manager 404-581-0200 December 1, 1987

Daiwa Bank, Limited (The) One Peachtree Center, Suite 4420 303 Peachtree Street Atlanta, GA 30308

Osaka, Japan

Michae1 Sawicki Vice President/Manager 404-524-6544 January 3, 1990

DG BANK-Deutsche Genossenschaftsbank Suite 2510, Cain Tower 229 Peachtree s~reet, NE Atlanta, GA 30303-1601

Frankfurt, Germany

John W. Somers
Senior VP and Manager 404-524-3966 r~ay 31, 1989

ruji Bank, L-imited (The) Marquis One Tower, Suite 2100 245 Peachtree Center Avenue, NE Atlanta, GA 30303-1208

Tokyo, Japan

Kenj i Miyan1oto General Manager 404-653-2100 December 9, 1987

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

Tokyo, Japan

Shusai Nagai General ~ianager
~-04-524-8770
September 25, 1990

*Agencies ~ith no assets oper~te as Representative Offices only

70

*GEORGIA ASSETS
{In Thousands) 26,340
304,245
581,654 630,198

NAME AND ADDRESS
Kredietbank, N.V. Two Midtown Plaza, Suite 1440 1360 Peachtree Street Atlanta, GA 30309
National Bank of Canada Suite 800 200 Galleria Parkway, NW Atlanta, GA 30339
Sakura Bank, Limited (The) Marquis One Tower, Suite 2703 245 Peachtree Center Avenue, NE Atlanta, GA 30303
Sanwa Bank, Limited (The) Georgia Pacific Center, Suite 4750 133 Peachtree Street, NE Atlanta, GA 30303-1821
Standard Chartered Bank Suite 500 Two Ravinia Drive Atlanta, GA 30346-2104
Sumitomo Bank, Limited (The) Suite 3210 133 Peachtree Street Atlanta, GA 30303-3403
Tokai Bank, Limited (The) 285 Peachtree Center Avenue, NE Marquis Two Tower, Suite 2802 Atlanta, GA 30303-1229

INTERNATIONAL BANK AGENCIES
____ (O.C.G.A. 7-1-710-::....),__

FOREIGN LOCATION

AGENT, TELEPHONE NO., AND DATE PERMIT ISSUED

Brussels, Belgium

Nancy D. Halwig Senior Representative/VP 404-876-2556 March 20, 1980

Montreal, Quebec, Canada

William R. 0 1 Conner Vice President 404-980-0588 Apri1 10, 1985

Tokyo, Japan

Tetsuhide Kokido General Manager 404-521-3111 October 5, 1990

Tokyo, Japan

Mitsuo Ueyama Deputy General Manager 404-586-6880 November 14, 1984

United Kingdom

Farhang Imani Regional Manager 404-396-2900 October 19, 1981

Osaka, Japan

Masami Sumi i General Manager 404-526-8500 March 4, 1987

Nagoya, Japan

Nobuhiro Kobayashi General Manager 404-880-0000 October 10, 1989

*Agencies with no assets operate as Representative Offices only
71

*GEORGIA ASSETS (In Thousands)
335,060 662,691 131,560 448,691 199,179

NAME AND ADDRESS
Credita~stalt 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 Yasuda Trust and Banking Company, Limited
285 Peachtree Center Avenue, N.E. Suite 2104, Marquis Two Atlanta, GA 30303-1234

INTERNATIONAL R~~K REPRESENTATIVE OFFICES
_ _ _ _ ___,('"--=0'-'-.-=-C~G.=.:..:A.o.. -=-7-1-5~Q1_______ _
FOREIGN LOCATION
Vienna, Austria
Chiyoda-ku, Tokyo, Japan
Tokyo, Japan
Tokyo, Japan

REPRESENTATIVE, TELEPHONE NO.
Robert M. Biringer Managing Officer 404-390-1850
Kazunori Kameyama Chief Representative 404-659-7210
Frank t-'1adden
Ma~ager
404-730-9000
Tomoya Osada Chief Representative 404-584-7807

72

DOMESTIC INTERNATIONAL BANKING FACILITIES (O.C.G.A. 7-1-730)

PARENT ORGANIZATION

FACILITY LOCATION

NationsBank of Georgia, N.A.

International Division 600 Peachtree St, NE Atlanta, GA 30308

Wachovia Bank of Georgia, N.A.

International Division, Funds Management Dept. 191 Peachtree St., Mail Code 400 Atlanta, GA 30303

Trust Company Bank

International Division, Mail Code 074 P.O. Box 4418 Atlanta, GA 30302

Banca Nazionale Del Lavoro

International Division 245 Peachtree Center Ave., NE, Suite 2120 Atlanta, GA 30303

Bank South, N.A.

International Division P 0 Box 4387- Mail Code 78 Atlanta, GA 30302

AmTrade International Bank of Georgia

The Candler Bldg, Suite 1500 127 Peachtree Street Atlanta, GA 30303

DATE PERMIT ISSUED
December 22, 1981 January 26, 1982 February 2, 1982 October 24, 1983 December 28, 1984 March 19, 1993

73

ABSTRACT OF REPORTS OF CONDITION OF STATE CREDIT UNIONS IN GEORGIA AS OF DECEMBER 31, 1993
WITH COMPARATIVE STATEMENT AS OF DECEMBER 31, 1992 (AMOUNTS IN THOUSANDS)

ASSETS

Dec 31 % Total Dec 31 % Total Amount

1993 Assets 1992

Assets + or -

% + or -

Cash U. S. Govt. Obligations Federal Agency Securities Corporate Credit Unions All Other Investments Total Investments (Book Value) Less: Allowance for Investment Losses Net Investments Total Loans Less: Allowance for Loan Losses Net Loans
Land & Building
Other Fixed Assets Other Real Estate Owned Other Assets Total Assets Corporate Credit Unions TOTAL

49,941 610,421 534,677 400,662 262,234 1,807,994
582 1,807,412 1,230,494
18,234 1,212,260
8,100 7,916
976 84,430 3,171,036 739,847 3,910,883

1. 3% 42,483

15.6% 587,459

13.7% 379,841

10.2% 555,021

6.7% 288,648

46.2% 1,810,969

0.0%

615

46.2% 1,810,354

31.5% 1,137,833

0.5% 19,531

31.0% 1,118,302

0.2%

6,704

0.2%

6,456

0.0%

1,099

2.2% 25,089

81.1% 3,010,487

18.9% 873,208

100.0% 3,883,695

1.1% 15.1%
9.8% 14.3%
7.4% 46.6%
0.0% 46.6% 29.3%
0.5% 28.8%
0.2% 0.2% 0.0% 0.6% 77.5% 22.5% 100.0%

7,458 22,962 154,836 (154,359) (26,414) (2, 975)
( 33) (2,942) 92,661 (1,297) 93,958 1,396 1,460
(123) 59,341 160,549 (133,361) 27,187

17.6% 3.9%
40.8% -27.8%
-9.2% -0.2% -5.3% -0.2%
8.1% -6.6%
8.4% 20.8% 22.6% -11.2% 236.5%
5.3% -15.3%
0.7%

LIABILITIES

Total Borrowings

Other Notes

479

Accrued Interest Payable on Deposits

and Accrued Dividends Payable on Shares

5,080

Accounts Payable and Other Liabilities

13,937

Share Drafts

293,070

All Other Shares and Deposits

2,542,162

Total Shares and Deposits

2,835,232

Regular Reserves

85,970

Investment Valuation Reserve

2,643

Other Reserves

9,946

Undivided Earnings

217,748

Total Liabilities and Equity

3,171,036

Corporate Credit Unions

739,847

TOTAL

3,910,883

0.0%

0.0%

485

0.1%

5,601

0.4%

8,755

7.5% 270,238

65.0% 2,451,714

72.5% 2,721,952

2.2%

79,859

0.1%

628

0.3%

9,676

5.6% 183 1 132

81.1% 3,010,487

18.9% 873,208

100.0% 3,883,695

0.0% 0.0%

(400) -100.0% (5) -1.1%

0.1% 0.2% 7.0% 63.1% 70.1% 2.1% 0.0% 0.2% 4.7% 77.5% 22.5% 100.0%

( 521) 5,181 22,833 90,448 113,281 6,111 2,015
270 34,616 160,549 (133,361) 27,187

-9.3% 59.2%
8.4% 3.7% 4.2% 7.7% 321. 1% 2.8% 18.9% 5.3% -15.3% 0.7%

74

COMPARATIVE STATEMENT OF EARNINGS AND EXPENSE OF STATE CREDIT UNIONS IN GEORGIA FOR CALENDAR YEARS ENDING
DECEMBER 31, 1993 AND DECEMBER 31, 1992 (AMOUNTS IN THOUSANDS)

OPERATING INCOME
Interest on Loans Income from Investments (Excluding Gain or Loss on Trading Securities) Income (Loss) from Trading Securities Other Operating Income
Total Gross Income
OPERATING EXPENSES
Employee Compensation and Benefits Office Expense Educational and Promotional Expenses Loan Servicing Expense Professional and Outside Services Provision for Loan Losses Provision for Investment Losses Miscellaneous Operating Expenses Total Operating Expenses
Income (Loss) from Operations
Gain (Loss) on Investments Gain (Loss): Disposition of Assets Other Non-operating Income (Expenses) Income (Loss) before Cost of Funds
Interest on Borrowed Money Dividends on Shares Interest on Deposits
Net Inc (Loss) after Cost of Funds Net Reserve Transfer Net Inc (Loss) Aft Net Res Trns Add'l Trans to Reserve Accts Adjusted Net Income (Loss)

Dec 31 % Total Dec 31 % Total

1993

Income 1992

Income

116,056 54.0% 122,529 54.9%

81,338 13
17,614

37.8% 0. 0% 8.2%

84,726 52
15,779

38.0% 0.0% 7.1%

215,021 100.0% 223,085 100.0%

Amount + or -
(6' 473)
(3' 3 88) ( 39)
1,836
( 8' 064)

30,249 18,521
973 1,961 3,236 5,336
10 4,702 64,988

14.1% 8.6% 0.5% 0.9% 1. 5% 2.5% 0.0% 2.2%
30.2%

28,695 17,617
836 1,954 3,248 7,301
71 5,949 65,670

12.9% 7.9% 0.4% 0.9% 1. 5% 3.3% 0.0% 2.7%
29.4%

150,033 69.8% 157,415 70.6%

192
( 7)
(13) 150,205

0.1% 0.0% 0.0% 69.9%

124
( 5)
40 157,574

0.1% 0.0% 0.0% 70.6%

238 90,373 13,062

0.1% 42.0%
6.1%

3 97,765 19,439

0.0% 43.8%
8.7%

46,532 2,441
44,091 5,760
38,332
75

21.6% 1.1%
20.5% 2.7%
17.8%

40,368 1,403
38,965 5,375
33,590

18.1% 0.6%
17.5% 2.4%
15.1%

1,554 905 136 7 ( 12)
( 1' 965) (61)
(1,247) ( 682)
(7' 382)
69
(2)
(53) (7,369)
235 (7,392) ( 6' 3 76)
6,164 1,038 5,126
385 4,742

% + or -
-5.3%
-4.0% -75.4%
11.6%
-3.6%
5.4% 5.1% 16.3% 0.3% -0.4% -26.9% -86.2% -21.0% -1.0%
-4.7%
55.4% 47.5% -133.5% -4.7%
9075.6% -7.6%
-32.8'!;
74.0% 13.2%
7.2% 14.1%

STATE-CHARTERED CREDIT UNIONS

CITY
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

COUNTY
Dougherty Clarke Clarke Clarke DeKolb Fulton Fulton Fulton Fulton Cobb Fulton Fulton DeKolb Fulton Fulton Fulton Fulton Fulton Dekolb Fulton Fulton Fulton Fulton Fulton DeKolb

NAME OF CREDIT UNION
Albany Federal Employees Credit Union Doiry-Pok Athens Credit Union Educators' Credit Union Georgia Power Northeast 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 Federal Employees Credit Union, (The) Georgia Deportment of Public 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 Human Services Employees' Credit Union IBEW Local 613 Credit Union Mead Employees Credit Union Mutual Savings Credit Union

No assets = in process of liquidation/merger
**Amounts ore in thousands as of 12-31-93 76

BEGIN BUSINESS
12-14-33 3-25-57 5-18-59 3-07-29 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 6-22-70 11-19-51 3-15-54 11-30-43 6-27-7 4 1-06-76 2-12-73 5-15-46 7-30-51 8-13-80 4-30-28 12-23-33

TOTAL **ASSETS
7,596 610 355
7,072 50,073 20,159
498 733,350
15,233 6,582 1,866 839,230 292,312 3,132 20,633 7,546 544,395 13,025 5,036 6,934 13,020 10,073 2,012 6,661 42,910

STATE-CHARTERED CREDIT UNIONS

CITY
Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Augusta Augusta Augusta Bainbridge Baldwin Columbus Columbus Columbus Columbus Coosa Cordele Cornelia Cornelia Cuthbert Decatur Douglas Dry Branch Dublin Duluth

COUNTY
Fulton DeKalb Fulton Fulton Fulton Fulton Richman Richmond Richmond Decatur Banks Musco gee Muscogee Muscogee Muscogee Floyd Crisp Habersham Habersham Randolph Dekalb Coffee Twiggs Laurens Gwinnett

NAME OF CREDIT UNION
Pinnacle Credit Union Reliance Credit Union Rich's Employees Credit Union State Employees' Credit Union Sunbelt 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 Columbus Health & Hospital 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 Decatur Postal Employees Credit Union Coffee General Hospital Employees Cr. Union Dry Branch Credit Union Dublin Federal Employees Credit Union Georgia Central Credit Union

No assets = in process of liquidation/merger
**Amounts are in thousands as of 12-31-93
77

BEGIN BUSINESS
11-17-26 2-02-78 3-04-38 11-14-61 4-01-72 10-24-28 3-10-76 6-30-27 12-22-52 3-01-75 11-24-80 11-02-53 11-12-57 2-26-65 12-14-82 3-31-55 5-20-47 2-19-79 1-18-65 7-01-81 10-30-51 4-11-72 1-08-51 1-16-51 5-01-36

TOTAL **ASSETS
40,072
23,643 47,490
3,159 15,568 13,273
6,524 480
3,075 5,874 2,722
264 2,101 4,710 9,775
725 5,475 1,644
60 7,032
618 2,023 4,013 739,847

STATE-CHARTERED CREDIT UNIONS

CITY

COUNTY

East Point East Point Ellenwood Forest Park Ft. McPherson Garden City Glynco Gordon Hapeville Hapeville Hazlehurst Helen Jonesboro LaFayette Macon Macon Macon Macon Macon Macon Macon Macon Marietta Marietta Marietta

Fulton Fulton Clayton Clayton Fulton Chatham Glynn Wilkinson Fulton Fulton Jeff Davis White Clayton Walker Bibb Bibb Bibb Bibb Bibb Bibb Bibb Bibb Cobb Cobb Cobb

NAME OF CREDIT UNION
East Point Municipal Employees Credit Union Fulton Teachers Credit Union American Heritage Credit Union Employees Savings & Credit Assn. Ft. McPherson Credit Union G. P. A. Credit Union, (The) Glynn County Federal Employees Credit Union White Gold Credit Union Hapeville Auto Employees Credit Union Hapeville Employees' Credit Union Jeff Davis Credit Union Orbit Savings & Credit Association Tara Credit Union Roper Corporation Employees Credit Union City Employees' Credit Union Macon Firemen's Credit Union Macon Oil Processors Credit Union Macon Police 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 Northwest Georgia Health System Credit Union

No assets =in process of liquidation/merger
** Amounts are in thousands as of 12-31-93
78

BEGIN BUSINESS
3-06-41 12-02-30 12-15-80 10-01-80 7-23-48 11-17-52 4-03-53 5-21-79 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 10-02-50 7-11-50 2-10-72 1-31-49 6-18-73 10-29-64 11-14-33 7-01-81

TOTAL **ASSETS
1,019 20,321 15,462 4,635 14,977
5,065 7,716 1,273 11,895 1,817 7,838
714 18,421
931 2,342 1,747 2,779
650 314 6,741 7,529 646 20,433 2,460 9,532

STATE-CHARTERED CREDIT UNIONS

CITY

COUNTY

Mcintyre Milledgeville Milledgeville Montezuma Nashville Norcross Rome Rome Savannah Savannah Savannah Savannah Savannah St Simons Island Statesboro Tallapoosa Thomasville Thomasville Toccoa Toccoa Valdosta Valdosta Warner Robins Wrens

Wilkinson Baldwin Baldwin Macon Berrien Gwinnett Floyd Floyd Chatham Chatham Chatham Chatham Chatham Glynn Bulloch Haralson Thomas Thomas Stephens Stephens Lowndes Lowndes Houston Jefferson

NAME OF CREDIT UNION
Engelhard Employees' Credit Union Central State Hospital Credit Union Oconee Credit Union Southern Frozen Foods Employees Credit Union Nashville Mills Employees Credit Association Genuine Parts 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 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 The Wright Credit Union Southern Pine Credit Union Valdosta Educators Credit Union Warner Robins Employees Credit Union Georgia-Tennessee Mining & Chemical Employees

BEGIN BUSINESS
3-24-80 8-28-52 1-06-58 1-01-73 1-01-73 3-08-37 4-17-26 12-07-81 8-01-55 6-10-31 9-18-64 6-23-52 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
585 9,582 1,373
449 6,086 4,275 1,291 23,207 2,129 6,422
549 8,337 8,240 9,188 8,795
1,397 17,438 8,662 3,620 23,767 3,127 4,473
62

No assets = in process of liquidation/merger
**Amounts are in thousands as of 12-31-93
79

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

B

A.W. Carswell Financial Group, Inc. The

Douglas

GA

L

Abbey Financial Corporation

Palm Beach

FL

B

Able Mortgage Corporation

Roswell

GA

L

Academy Mortgage Corp.

Tucker

GA

B

Accent Mortgage Company

Roswe 11

GA

B

Access Mortgage Company, Inc.

Decatur

GA

L

Accurate Mortgage Services

Atlanta

GA

L

AccuBanc Mortgage Corporation

Dallas

TX

L

Adana Mortgage Bankers, Inc.

Atlanta

GA

L

Advanta Mortgage Corp., USA

Atlanta

GA

B

Aertker, Steven G.

Marietta

GA

B

Aetna Mortgage Company of Augusta

Augusta

GA

B

Akridge Realty Inc

Macon

GA

B

Al-Jabere Financial Services

Augusta

GA

8

All American Mortgage, Inc.

Marietta

GA

B

All Service Mortgage, Inc.

Alpharetta

GA

B

All State Financial & Commercial Mortgage, Inc.

Atlanta

GA

L

Alliance Mortgage Company of Florida

Jacksonville

FL

L

Alliance Mortgage Company, Inc.

Savannah

GA

L

Allied Group Mortgage Company

West Des Moines

IA

L

Allison Mortgage Loan Svcg Corp

Atlanta

GA

8

Alpha Mortgage and Investment, Inc.

Savannah

GA

8

Alpha Mortgage Bankers

Atlanta

GA

B

Alternative Mortgage Co.

Albany

GA

L

America's Lending Network, Inc.

Fairfax

VA

B

America's Mortgage Source, Inc.

Atlanta

GA

B

America's Mortgage, Inc.

Kennesaw

GA

L

America's Wholesale America's Wholesaler

Pasadena

CA

R

American City Bank

Tullahoma

TN

B

American Discount Mortgage, Inc.

Atlanta

GA

B

American Federal Mtg Corp

Atlanta

GA

L

American Financial Corp of Tampa

Pittsburgh

PA

B

American Financial Group, Inc.

Kennesaw

GA

B

American Financial Mortgage Corp

Roswe 11

GA

B

American Financial Network, Inc.

Atlanta

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

80

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

L

American First Mortgage Corp

Rocky Hill

CT

L

American General Finance, Inc.

Evansville

IN

L

American Heritage Mortgage Corporation

Atlanta

GA

8

American Heritage, Inc.

Duluth

GA

L

American Home Funding, Inc.

Richmond

VA

L

American Home Mortgage Company

Atlanta

GA

L

American Home Mortgage, Inc.

Atlanta

GA

L

American Independent Mortgage, Inc.

Atlanta

GA

L

American Industrial Loan Association

Virginia Beach

VA

8

American Liberty Mortgage

Covington

KY

8

American Mortgage & Investment Services, Inc

Garden City

GA

8

American Mortgage Center, Inc

Alpharetta

GA

8

American Mortgage Company

Columbus

GA

8

American Mortgage Exchange Corp, Inc.

Atlanta

GA

B

American Mortgage Solutions, Inc.

Savannah

GA.

L

American National Financial, Inc.

Atlanta

GA

8

American Residential Lending Corporation

Smyrna

GA

L

American Residential Mortgage Corp

LaJoll a

CA

8

Amerifund Incorporated

Atlanta

GA

8

AmeriQuest, Inc.

Lilburn

GA

8

Ammex

Atlanta

GA

8

AmCash Mortgage, Inc.

Nashville

TN

R

AmSouth Mortgage Company, Inc.

Birmingham

AL

L

Anchor Mortgage

Wayne

NJ

8

Andover Mortgage Services

Tucker

GA

8

Appalachian Mortgage Corporation

Atlanta

GA

8

Arant, Marily Helene

Atlanta

GA

L

Arbor National Mortgage, Inc.

Westbury

NY

8

Archer Mortgage Corporation

Augusta

GA

L

Arlington Mortgage, Inc.

Acworth

GA

8

Armbruster Mortgage Services, Inc.

Atlanta

GA

8

Associated Mortgage

Atlanta

GA

L

Associates Financial Services of America

Albany

GA

L

Associates National Mortgage Corporation

Dallas

TX

8

Athens Mortgage Resources, Inc.

Athens

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

81

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

( R)EGISTRANT

LICENSEE NAME

CITY

ST

B

Atlanta American Mortgage of Columbus, Inc.

Columbus

GA

B

Atlanta Home Mortgage

Valdosta

GA

B

Atlanta Home Mortgage Center, Inc.

Atlanta

GA

B

Atianta Internationai Mortgage Corp

Norcross

GA

B

Atlanta Metro Mortgage, Inc.

Atlanta

GA

B

Atlanta Mortgage and Financial Services

Atlanta

GA

B

Atlanta Mortgage Funding, Inc.

Atlanta

GA

R

Atlanta Mortgage Svcs/Ga Home Equity Mortgage Co.

Tucker

GA

B

Atlanta Mortgage, Inc.

Atlanta

GA

B

Atlanta Real Estate & Mortgage Company

Atlanta

GA

B

Atlantic Federal Mortgage Corporation

Atlanta

GA

B

Atlantic Mortgage & Investments

Chattanooga

TN

B

Atlas Financial Group, Inc.

Tucker

GA

B

Atlas Home Mortgage and Financial Consultants

Lawrenceville

GA

B

Atlas Mortgage Corporation

Atlanta

GA

B

Atwater, Stanley

Lithonia

GA

L

Augusta Mortgage Co

Augusta

GA

B

Avail Mortgage Corporation

Marietta

GA

L

Avco Financial Services of GA Inc.

Valdosta

GA

B

AAA Mortgage Services

Woodstock

GA

B

ABS Financial Services, Inc.

Alpharetta

GA

L

AIB Mortgage Company

Miami

FL

L

ALFA Financial Corporation

Montgomery

AL

B

AM/CORP Insurance and Financial Services

Atlanta

GA

B

ARC Mortgage, Inc.

Alpharetta

GA

B

ATC Mortgage, Inc.

Riverdale

GA

B

B&M Mortgage Corp

College Park

GA

B

Bailey, Dewey David

Rome

GA

B

Baker, Nancy Ritch

Atlanta

GA

B

Baker, Wilburt

Lithonia

GA

B

Balkcum, Alex Odell

Columbus

GA

L

Bane One Financial Services, Inc.

Marietta

GA

L

Bane One Mortgage Corporation

Indianapolis

IN

L

Bane One, Dayton Service Corp

Dayton

OH

L

BancBoston Mortgage Corporation

Jacksonville

FL

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

82

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

( L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

L

BancPLUS Mortgage Corp

Atlanta

GA

L

Bank of New York Mortgage Company, The

Calabasas

CA

R

Bank South Mortgage, Inc.

Atlanta

GA

B

Banker 1 s Equity Corporation of NA, Inc.

Athens

GA

R

Bankers First Mortgage Corporation

Augusta

GA

R

BankAtlantic, A FSB

Ft. Lauderdale

FL

L

Barclays American Mortgage Corp

Charlotte

NC

R

Barnett Mortgage Company

Jacksonville

FL

B

Bass, William Raymond

Smyrna

GA

B

Bateman &Associates, Inc.

Dublin

GA

B

Bates, Charles Frederick

Smyrna

GA

B

Becton, Bennie

Sequoyah

GA

B

Beecham, Steven P

Atlanta

GA

L

Ben Hill Finance Company

Fitzgera 1d

GA

L

Beneficial Homeowner Service Corp

Brewster

NY

L

Beneficial Mortgage Co. of Georgia

Stone Mountain

GA

L

Beneficial Mortgage Corporation

Brewster

NY

B

Bennett, Linda D

Atlanta

GA

B

Benthill Financial Group, Inc.

Marietta

GA

B

Beverly Mortgage Corp.

Roswell

GA

B

Binion, Roy

Atlanta

GA.

L

Blazer Financial Services, Inc of GA

College Park

GA

L

Blazer Financial Services, Inc.

Columbus

GA

B

Boger, Janice LaFaye

Atlanta

GA

L

Bomar Mortgage Acceptance Corp

Irvine

CA

B

Boone and Associates, Inc.

Atlanta

GA

B

Brighter Day Mortgage, Inc

Atlanta

G.A.

B

Brookfield Funding, Inc.

Roswell

GA

B

Brookwood Mortgage Funding Corp

Atlanta

GA

B

Bryant, Sandra Eve

Warner Robins

GA

B

Buckhead Mortgage Lenders, Inc.

Atlanta

GA

B

Buford Finance Company, Inc.

Buford

GA

B

Buisson, Marion Therese

Snellville

GA

B

Buisson, Robert T.

Snellville

GA

B

BMC Financial

Hilton Head

sc

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

83

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-I-1-1020)

(B)ROKER

( L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

B

BT Mortgage Company, Inc.

Atlanta

GA

B

C&M Mortgage $ervices, Inc.

Jesup

GA

B

Campbell, Clara Belle

Lithonia

GA

8

Cannon Mortgage & Associates

College Park

GA

B

Cannon Mortgage Company, Inc.

Atlanta

GA

B

Capital & Credit Resources

Atlanta

GA

B

Capital Mortgage Services, Inc.

Atlanta

GA

B

Capital State Mortgage Bankers

Marietta

GA

L

Carl I. Brown & Company

Kansas City

MO

B

Carlino, Robert V

Atlanta

GA

L

Carlyle Funding Corp

Houston

TX

B

Carolina Federal Mortgage Co., Inc.

Savannah

GA

R

Carolina First Savings Bank, F.S.B.

Columbia

sc

B

Carrington Funding Corporation

Atlanta

GA

8

Carter, Michael R.

Roswe 11

GA

B

Carter, Virginia Milner

Duluth

GA

L

Cash Credit Corporation (GA)

Austell

GA.

L

Castle Mortgage Corporation

Birmingham

AL

B

Cathcart, Creston Mark

Smyrna

GA

B

Cawhern, Samuel E

Roswell

G.A.

B

Cawley, John Strobel, Jr.

Savannah

GA

B

Cawley, Robert, D

Savannah

GA

I
L

Center West Services, Inc.

Augusta

GA

L

Centerbank Mortgage Company

Waterbury

CT

L

Central Mortgage Corporation

Smyrna

GA

L

Century Finance Co of Brunswick

Brunswick

GA

L

Century Finance Co., Inc. of Carrollton

Carrollton

GA

L

Century Finance Co., Inc. of Marietta

Smyrna

GA

L

Century Finance Co., Inc. of Savannah

Savannah

GA

L

Century Finance Co., Inc., of Macon

Macon

GA

L

Century Finance Company of Buckhead dba Augusta

Augusta

GA

L

Century Finance Company, Inc.

Atlanta

GA

L

Century Finance Company, Inc. of Columbus

Columbus

GA

L

Century Finance Company, Inc. of Dalton

Dalton

G.A.

L

Century Finance Company, Inc. of East Point

East Point

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

84

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

( L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

L

Century Finance Company, Inc. of Georgia

Griffin

GA

L

Century Finance Company, Inc. of Rome

Rome

GA

B

Century Mortgage Corporation

Dunwoody

GA

B

Champion Mortgage Corporation

Greensboro

GA

B

Chapman, Elly Rose

Hephzibah

GA

L

Charles F. Curry Company

Kansas City

MO

B

Charter Mortgage Company

Tucker

GA

B

Charter Mortgage Group, Inc.

Hilton Head

sc

L

Chase Home Mortgage Corporation

Tampa

FL

L

Chase Manhattan of Georgia

Atlanta

GA

B

Chase Mortgage Corporation

Gainesville

GA

B

Chattahoochee Mortgage Corporation

Cumming

GA

L

Chemical Financial Services Corporation

Cleveland

OH

L

Chemical Mortgage Company

Worthington

OH

L

Chemical Residential Mortgage Corporation

Deerfield Beach

rrl~

B

Chesapeake Mortgage Corporation

Calverton

MD

B

Chicago Mortgage Corp

Roswell

GA

B

Chisolm, Joseph C.

Norcross

GA

B

Choice Financial Services

Adairsville

GA

B

Choice Mortgage Funding, Inc.

Woodstock

GA

L

Citfed Mortgage Corporation of America

Dayton

OH

L

Citicorp Mortgage, Inc.

St. Louis

MO

R

Citizens and Southern Mortgage Corporation

Atlanta

GA

R

Citizens Bank of MacClenny

Macclenny

FL

B

Citizens Federal Mortgage

Atlanta

GA

B

Citizens Fidelity Mortgage Corp

Marietta

GA

B

Citizens Financial Network

Atlanta

GA

L

Citizens Mortgage Corporation

Atlanta

GA

L

Citizens Savings & Loan Corp

Chattanooga

TN

B

City First and Second Mortgage Company

Atlanta

GA

L

City Wide Mortgage, Inc.

Smyrna

GA

B

Clements, William K.

Atlanta

GA

B

Coastal Mortgage

Atlanta

GA

B

Coastal Plains Financial Services, Inc.

Tifton

GA

L

Coats & Co., Inc.

Birmingham

AL

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

85

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

L

Cobb Mortgage Company

Marietta

GA

B

Cobb Mortgage Professionals, Inc

Marietta

GA

B

Cole Mortgage

Cochran

GA

L

Collateral Mortgage, Ltd

Birmingham

A.L

L

Colonial Mortgage Company

Montgomery

AL

L

Columbia National Mortgage Corp.

Savannah

GA

I L

Columbus Finance Company

Atlanta

GA

L

Comerica Mortgage Corporation

Auburn Hills

MI

B

Commerce Equity Mortgage Corp

Smyrna

GA

B

Commerce Equity Mortgage Corporation of Macon

Macon

GA

L

Commercial Credit Plan, Inc

Baltimore

MD

L

Commercial Credit Plan, Inc.

Baltimore

MD

L

Commercial Finance Company

Thomaston

GA

B

Common Cents Equity Center

Chattanooga

TN

R

Commonwealth United Mortgage

Houston

TX

B

Community Federal Mortgage, Inc.

Atlanta

GA

B

Community Lenders Group, Inc.

Lilburn

GA

L

Community Lending Corporation

College Park

MD

B

Community Mortgage Services, Inc.

Roswell

GA

B

Cone, James

Atlanta

GA

B

Confidential Financial Services

Smyrna

GA

L

Consolidated Loan Company

Albany

GA

B

Consumer Financial Options, Inc.

Decatur

GA

B

Continental Mortgage and Investment Corp

Smyrna

GA

B

Continental Mortgage Company

Chamblee

GA

L

ContiMortgage Corporation

Atlanta

GA

B

Corey Mortgage Services, Inc.

Atlanta

GA

L

Corinthian Mortgage Corporation

Overland Park

KS

B

Cornerstone Mortgage Corp.

Norcross

GA

L

Correspondents Mortgage Company, LP

Greensboro

NC

B

Cotton State Mortgage, Inc.

Tucker

GA

B

CoWest Mortgage Corp.

Dallas

TX

B

Crafter, Harold

Macon

GA

B

Crane, John Michael

Atlanta

GA

B

Crawford, Michael Carwile

Smyrna

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

86

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

B

Creative Home Funding

L

Creative Mortgage/Creative Mtg Brokers

L

Credit Depot Corporation

L

Credit Union Financial Services, Inc.

L

Crestar Mortgage Capital Corporation

L

Crestar Mortgage Corporation

L

Crossland Mortgage Corp

B

Crowe Mortgage Company

B

Crown Mortgage Co

L

Cuna Mortgage Corporation

R

CB&T Bank of Russell County

L

CDC Mortgage

L

CFC Mortgage Corporation

L

CIT Group Inc., The

L

CMK T/A Mortgage Capital Investor

L

CMS Mortgage Services, Inc.

B

CS Mortgage & Financial

B

CSRA Mortgage Company

L

CTX Mortgage Company

8

D&A Inc

B

Davis, Benjamin

B

Davis, Margaret Jane

B

Deerfield Financial Services

B

Dependable Mortgage

L

Deposit Guaranty Mortgage

L

Developers Mortgage Corporation

B

Dineen, Frank Thomas

L

Directors Mortgage Loan Corporation

B

Diversified Mortgage Services, Inc.

B

Diversified Residential Mortgage, Inc.

B

Dividend Mortgage

B

Domestic Financial Centers Corp

L

Domestic Mortgage, Inc.

B

Dove Funding, Inc.

L

Dovenmuehle Mortgage, Inc.

Lawrenceville

GA

Forest Park

GA

Gainesville

GA

Tucker

GA

Richmond

VA

Richmond

VA

Salt Lake City

UT

Phenix City

AL

Smyrna

GA

Middleton

WI

Phenix City

AL

Atlanta

GA

Smyrna

GA.

Atlanta

GA

Springfield

VA

Mayfield Heights

OH

Decatur

GA

Martinez

GA

Dallas

TX

Smyrna

GA

Martinez

GA

Tucker

GA

Columbus

GA

Dalton

GA

Jackson

MS

Vienna

VA

Albany

GA

Riverside

CA

Woodstock

GA

Dunwoody

GA

Norcross

GA

Atlanta

GA

Atlanta

GA

Chattanooga

TN

Schaumburg

IL

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

87

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

L

Dover Mortgage Company

Charlotte

NC

R

Dreyfus Security Savings Bank, FSB, The

Paramus

NJ

B

Duke, David L

Smyrna

GA

L

Dunwoody Mortgage, Inc.

Atlanta

GA

L

E.F.M. Mortgage Bankers, Inc.

Burbank

CA

L

Eagle Capital Mortgage, Ltd. (L.P.)

Dallas

TX

B

East West Mortgage Co.

Dunwoody

GA

R

Eastern Home Mortgage

Atlanta

GA

B

Eastern Mortgage Centers, Inc.

Atlanta

GA

B

Economy Mortgage, Inc.

Marietta

GA

B

Elite Mortgage Group, Inc.

Woodstock

GA

B

Ellington, Edward Lee

Smyrna

GA

B

Embassy Mortgage Services, Inc.

Lilburn

GA

B

Emerald Financial Services, Inc.

Jonesboro

GA

L

Emory Mortgage

Tucker

GA

L

Empire of America Realty Credit Corp

Buffalo

NY

L

EnTrust Funding

Columbia

MD

L

Equi-financial, L.P.

E. Providence

RI

B

Equity Finance & Investment Corp

East Point

Gf..

B

Equity Financial Services, Inc.

Carrollton

GA

B

Equity Mortgage Consultants

Atlanta

GA

B

Equity Mortgage Consultants, Inc.

Belvedere

sc

B

Equity Mortgage Trust, Ltd.

Marietta

GA

L

Equity One, Inc.

Marietta

GA

L

EquiCredit Corporation of America

Jacksonville

FL

L

EquiCredit Corporation of GA

Atlanta

GA

L

Essex Home Mortgage Servicing Corp

Virginia Beach

VA

B

Excel Mortgage Co., Inc.

Lawrenceville

GA

8

Executive Mortgage Corporation

Roswell

GA

L

Express Funding, Inc.

Irvine

CA

L

EMC Mortgage Corporation

Irving

TX

L

EQ Services, Inc.

Atlanta

GA

B

F.T.C., Inc.

Tybee Island

GA

B

Fairfax Mortgage Reserve

Athens

GA

L

Fairfield Financial of Athens, Inc.

Athens

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

88

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

B

Fairfield Financial Associates of Columbus

Columbus

GA

B

Fairfield Financial Associates of Dalton

Dalton

GA

L

Fairfield Financial Associates of Macon

Macon

GA

B

Fairfield Mortgage Associates of Atlanta

Atlanta

GA

B

Fairfield Mortgage Associates of Gainesville

Gainesville

GA

B

Fairingstone Mortgage and Investment Services

Atlanta

GA

B

Family Financial Services of Chattanooga, Inc.

Chattanooga

TN

B

Family Mortgage Services, Inc.

Atlanta

GA

R

Farm &Home Savings Association

Nevada

MO

L

Federal Credit Company

Warner Robins

GA

B

Federal Home Mortgage

Duluth

GA

B

Federal Mortgage Associates, Inc.

Dunwoody

GA

B

Federal Mortgage Corporation

Atlanta

GA

B

Federated Mortgage, Inc.

Atlanta

GA

B

Fest, Paul Edward

Smyrna

GA

L

Fidelity Bond &Mortgage Company

Blue Bell

PA

L

Fidelity Financial Services Inc.

East Point

GA

B

Fidelity Group, Inc., The

Atlanta

GA

B

Fidelity Home Funding, Inc.

Atlanta

GA

R

Fidelity National Mortgage Corp

Decatur

GA

B

Financial Mortgage Center, Inc.

Fayetteville

GA

B

Financial Services of Atlanta

Atlanta

GA

B

Financial Services Group, Inc.

Atlanta

GA

B

Financial Services, Inc.

Brunswick

GA

B

Financial Services, LTD.

Thomaston

GA

B

First American Funding

Stone Mountain

GA

B

First American Mortgage Corp

Norcross

GA

B

First American Mtg Corp of Sarasota

Atlanta

GA

B

First Atlanta Mortgage Corporation

Stone Mountain

GA

B

First Atlantic Mortgage, Inc.

Atlanta

GA

L

First Bankers Mortgage Corp

Waco

TX

B

First Bankers Mortgage Corporation

Columbus

GA

L

First Bankers Mortgage Services, Inc.

Ft. Lauderdale

FL

L

First California Mortgage Company

Reno

NV

B

First Capital Mortgage Corporation

Birmingham

AL

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

89

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-I-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

L

First Carolina Corporation

Savannah

GA

B

First Choice Mtg Company, Inc.

Martinez

GA

L

First Commercial Mortgage Company

Little Rock

AR

L

First Dublin Financial Services, Inc.

Dublin

GA

B

First Equitable Mortgage Co., Inc.

Atlanta

GA

L

First Family Financial Services of GA, Inc.

Atlanta

GA

B

First Federa 1 Fi nanci a1 Svcs Inc.

Roswell

GA

B

First Financial of Atlanta, Inc.

Atlanta

GA

B

First Financial Mortgage Svcs Inc.

Norcross

GA

L

First Financial Services of Gainesville

Gainesville

GA

L

First Franklin Financial Corp

Toccoa

GA

B

First Global Mortgage Corporation

Atlanta

GA

L

First Home Mortgage, Inc.

Houston

TX

L

First Investment Company

Columbus

OH

L

First Investors Mortgage, Co.

Athens

GA

L

First Jefferson Mortgage Corp

Newport News

VA

R

First Metro Mortgage Co

Stockbridge

GA

B

First Mortgage Bane of Georgia

Marietta

GA

B

First Mortgage Group, Inc.

Austell

GA

B

First Mortgage Solutions

Atlanta

GA

L

First National Funding, Inc.

Ft. Walton Beach

FL

B

First Realty Mortgage Corporation

Roswell

GA

B

First Residential Mortgage Co of GA

Norcross

GA

L

First Savings Mortgage Corporation

Vienna

VA

B

First South Credit Corporation

Atlanta

GA

B

First South Mortgage & Financial Services, Inc.

Richmond Hill

GA

L

First Town Mortgage Corporation

Atlanta

GA

B

First Trust Mortgage

Ellenwood

GA

L

First Trust Mortgage Corporation

Louisville

KY

R

First Union Home Equity Corporation

Charlotte

NC

R

First Union Mortgage Corporation

Charlotte

NC

B

Fitness Financial Services

McDonough

GA

L

Fleet r1nance, Inc. (RI)

Atlanta

GA

L

Fleet Finance, Inc. of Georgia

Marietta

GA

L

Fleet Mortgage Corp

Milwaukee

WI

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

90

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

L

Fleet Real Estate Funding Corp

Columbia

sc

B

Flexible Solutions, Inc.

Woodstock

GA

L

Ford Consumer Finance Company, Inc.

Atlanta

GA

B

Ford Mortgage Services, Inc.

Newnan

GA

R

Fortune Bank

Clearwater

FL

B

Foundation Mortage Corporation

Marietta

GA

B

Franklin Mortgage Services

Alpharetta

GA

L

Frazier & Frazier G.A., Inc.

Decatur

AL

B

Freedom Financial Services, Inc.

Columbus

GA

L

Freedom Home Mortgage Corporation

Mt. Laure 1

NJ

L

Freedom Mortgage Corporation

Sa 1t Lake City

UT

B

Funding Center of GA, Inc.

Atlanta

GA

B

Future Funding Inc

Marietta

GA

L

FBS Mortgage Corporation

St. Paul

MN

B

G&S Financial Corporation

Atlanta

GA

B

Galambos, Edward Roger

Smyrna

GA

B

Galin, Murray A

Savannah

GA

B

Galt Investments

Athens

GA

B

Garner, Grafton E.

LaFayette

GA

L

Gateway Mortgage Company

Atlanta

GA

L

General Mortgage Corporation of America

Cape Coral

FL

B

Georgecink, Elizabeth J

Marietta

GA

B

Georgia Equity Mortgage, Inc.

Atlanta

GA

B

Georgia Home Loan, Inc.

Macon

G.A.

B

Georgia Home Mortgage Co.

Marietta

GA

B

Georgia Home Mortgage, Co., The

Gainesville

GA

B

Georgia Lending Institute, Inc. The

Milledgeville

GA

B

Georgia Mortgage Assistance

Atlanta

GA

L

Georgia Mortgage Corp., Inc.

Atlanta

GA

B

Georgia Mortgage FHA/VA, Inc.

Atlanta

GA

B

Georgia Mutual Mortgage Corporation

Atlanta

GA

B

Georgia Mutual Mortgage Funding Corporation

Norcross

GA

B

Georgia Security Mortgage Corp

Marietta

GA

8

Georgia Union Mortgage Co, L.P.

Martinez

G.A.

B

Gillooly, John R.

Smyrna

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

91

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

B

Gina Wyliy Muir Inc.

Marietta

GA

B

Girasole, Gary A

Dunwoody

GA

B

Gleason &Associates Investments

Chamblee

GA

B

Global Mortgage Services, Inc.

St. Louis

MD

B

Golden Mortgage Co.

Savannah

GA

B

Gordon, William Henry

Moultrie

GA

B

Gorsline Financial Services

Gainesville

GA

B

Gray, Homer Gerald

Phenix City

AL

B

Great American Lending Group, Inc.

Atlanta

GA

B

Great Lakes Mortgage Co.

Tucker

GA

B

Great Oak Mortgage Corporation

Atlanta

GA

B

Great Southern Financial, Inc.

Atlanta

GA

L

Great Western Mortgage Corp

Chatsworth

CA

B

Greater Atlanta Mtg Company

Atlanta

GA

L

Green Tree Financial Corp

Smyrna

GA

L

Greentree Financial Services, Inc.

Augusta

GA

L

Greentree Mortgage Company, LP

Marlton

NJ

B

Greenville Mortgage Corporation

Greenville

GA

B

Grove, Richard Allen

Kennesaw

GA

R

Guaranty Bank, SSB

Milwaukee

WI

L

Guardian Finance or E-Z Loan Stores

Watkinsville

GA

L

Guild Mortgage Company

San Diego

CA

B

Gulf Financial Service

Marietta

GA

B

Gulfstream Financial Svcs of N Fla, Inc.

Jacksonville

FL

L

GE Capital Corporation

Stamford

CT

L

GE Capital Mortgage Services, Inc.

Cherry Hill

NJ

L

GMAC Mortgage Corporation of Iowa

Waterloo

IA

L

GMAC Mortgage Corporation of PA

Atlanta

GA

B

Hairston, Rome Russell

Atlanta

GA

B

Hale &Associates

Marietta

GA

B

Hamilton Federal Mortgage Corporation

Atlanta

GA

L

Hamilton Financial Corporation

San Francisco

CA

B

Hammond Crossing Mortgage Co., Inc.

Atlanta

GA

B

Hammond Mortgage Company

Cumming

GA

L

Harbor Financial Mortgage Corporation

Houston

TX

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

92

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

( L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

B

Harbour Mortgage Corporation

B

Hartney, Scott

L

Harvest Mortgage Co., Inc.

B

Henderson Financial Services

B

Heritage Homes & Mtgs.

B

Heritage Mortgage Associates, L.P.

B

Heslen &Associates

B

Highwood, Carla Vonette

8

Hillcrest Mortgage & Properties, Inc.

B

Hilton Mortgage Corporation II

B

Hinton, Sandra Denease

8

Hobbs, Alma F

L

Home Credit, Inc.

B

Home Funding Corporation

B

Home Funds Mortgage, Inc.

B

Home Lending Corporation

B

Home Loan Center, Inc.

B

Home Mortgage Corporation

B

Home Mortgage Network, Inc.

B

Home Mortgage Services, Inc.

B

Homefunders, Ltd.

B

Homemakers Mortgage Company

B

Homeowners Equity Company

B

Homeowners Financial Services, Inc.

L

Homeowners Mortgage Enterprises, Inc.

B

Homestead Mortgage, Inc.

B

Hometrust Mortgage

B

Hometrust Mortgage Corporation

L

HomeSouth Mortgage Corporation

B

HomeState Mortgage Corporation

R

Household Bank, FSB (''HB 11 )

L

Household Realty Corporation

B

Howard, Ruth Powell

B

Huckle, Bruce Edward

L

Huntington Mortgage Company, The

Richmond Hill

GA

Roswell

GA

Atlanta

GA

Atlanta

GA

Thomasville

GA

Newnan

GA

Augusta

GA

Atlanta

GA

Atlanta

GA

Columbus

GA

Warner Robins

GA

Atlanta

GA

Athens

GA

Marietta

GA

Atlanta

GA.

Atlanta

GA

Atlanta

GA

Smyrna

GA

Atlanta

GA

Atlanta

GA

Marietta

GA

Marietta

GA

Eastman

GA

Norcross

GA

Columbia

sc

Columbus

GA

Atlanta

GA

Hollywood

FL

Atlanta

GA

Atlanta

GA

Prospect Heights

IL

Prospect Heights

IL

Smyrna

GA

Snellville

GA

Columbus

OH

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

93

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

L

HSA Servicing Corporation

Irwindale

CA

L

Ideal Mortgage Company

Norcross

GA

L

Independence One Mortgage Corporation

Southfield

MI

B

Independent Mortgage Advisors

Roswell

GA

B

Independent Mortgage Brokers, Inc.

Savannah

GA

L

Independent Mortgage Servicing Corp

Winter Park

FL

L

Industry Mortgage Company, LP

Tampa

FL

B

Inland Mortgage Company, Inc.

Fayetteville

GA

L

Inland Mortgage Corporation

Atlanta

GA

B

Insured Credit Service of GA, Inc.

Norcross

GA

L

Integon Life Insurance Corporation

Winston-Salem

NC

B

Integra Mortgage, Inc.

Atlanta

GA

B

Integra Mortgage, Inc.

Atlanta

GA

B

Integra-T-Mortgage

Canton

GA

B

Intercoastal Mortgage Corporation

Augusta

GA

B

International Atlanta Mortgage Co

Dunwoody

GA

B

International Mortgage

Rincon

GA

B

International Mortgage Brokers, Corp

Chamblee

GA

B

Intersouth Mortgage, Inc.

Marietta

GA

B

Interstate Financial Systems

Atlanta

GA

R

InterFirst

Troy

MI

B

Invest America Mortgage Corp

L

ICM Mortgage Corporation

College Park

GA

Greenwood Village

co

L

ITT Financial Services

Norcross

GA

B

J A MConsultants, Inc.

Alexandria

IN

L

J.I. Kislak Mortgage Corporation

Miami Lakes

FL

L

J.I. Kislak Mortgage Service Corporation

Miami Lakes

FL

L

James B. Nutter & Co

Kansas City

MD

B

Jeffcoat, John M.

Atlanta

GA

L

Jefferson County Finance Co., Inc.

Louisville

GA

B

Jefferson Mortgage Services, Inc.

Duluth

GA

B

Jenny Pruitt &Associates, Inc.

Atlanta

GA

L

John Hancock Real Estate Finance, Inc.

Statesboro

GA

L

John Paul Jones Company

Summerville

GA

L

John Wieland Home, Inc.

College Park

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

94

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93x

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

L

Johnson &Associates Mortgage Co., Inc.

Birmingham

AL

B

Johnson, Herbert Frederick

Smyrna

GA

B

Johnson, Moira E

Thomson

GA

B

Jon Browne &Associates Financial Group

Stone Mountain

GA

B

Jones, Claude David

Warner Robins

GA

B

Justus Mortgage Inc

Marietta

GA

L

JHM Mortgage Services Corporation

Mclean

VA

B

Kalpak, Ara Franklin

Duluth

GA

B

Katz, Ira

Atlanta

GA

B

Kelley, Walter McCoy, Jr.

Marietta

GA

B

Kemper, Martha F.

Atlanta

GA

L

Kennesaw Finance Co

Marietta

GA

L

Kennesaw Finance Co. of Austell

Marietta

GA

B

Kenney, Keith L.

Atlanta

GA

L

KeyCorp Mortgage, Inc.

Buffalo

NY

B

Kingston Mortgage, Inc.

Marietta

GA

L

Kipling Mortgage Group, Inc.

Atlanta

GA

B

Kirkland Mortgage Corporation

Atlanta

GA

R

Knox Mortgage Company

Martinez

GA

L

Knutson Mortgage Corporation

Bloomington

MN

B

Lakeside Mortgage Brokers, Inc.

Stone Mountain

GA

B

Lane Hill Mortgage Company, Inc.

Jacksonville

FL

B

Lane, Felton, Jr.

Martinez

GA

B

Lanier Mortgage

Ga i nesvi 11 e

GA

B

Lanier Mortgage & Investment Co

Columbus

GA

R

Leader Federal Bank for Savings

Memphis

TN

B

Leadership Mortgage Services, Inc.

Tucker

GA

L

Lehman Capital Corporation

New York

NY

B

Lender Representative Group, Inc., The

Atlanta

GA

B

Lenders Associates Corporation

Atlanta

GA

L

Lenders Financial Corporation

Mclean

VA

B

Lending Group, Inc., The

Snellville

GA

L

Lennar Funding Corporation

Miami

FL

B

Lenox Mortgage, Inc.

Atlanta

GA

L

Lib Properties, Ltd.

Atlanta

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

95

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

L

Liberty Lending Services, Inc.

R

. Liberty Mortgage Corporation

B

Lincoln Mortgage & Investment, Inc.

L

Lincoln Service Mortgage Corporation

B

Lincolnshire Financial Group, Inc.

B

Lindsey, Joseph L.

L

Loan America Financial Corporation

L

Lomas Mortgage USA, Inc.

B

Lone Pine Mortgage Corporation

R

Long Beach Bank, FSB

B

Long, David J

B

Long, Robert Walter

B

Lovejoy &Associates, Inc.

B

Low Country Mortgage, Inc.

B

Lowe &Associates

B

Luper, William Scott

B

Lutz, Eric Wade

B

Lyons, Donnie

B

LCL Funding, Inc.

B

LFG Mortgage Services

B

M. Baptise Enterprises

B

M.D.C. Mortgage Corp., Inc.

L

M-West Mortgage Corporation

B

MacKenzie Financial Group, Inc.

R

Magnolia Federal Bank for Savings

B

Major Mortgage Corporation

L

Malone Mortgage Company

B

Marathon Mortgage Corp.

B

Marathon Mortgage Corporation

B

Marietta Mortgage Services, Ltd.

L

Marine Midland Mortgage Corporation

B

Market Force Mortgage

B

Market Force Mortgage

L

Market Street Mortgage Corporation

L

Matrix Capital Mortgage Corporation

Wilmington

OH

Doraville

GA

Marietta

GA

Owensboro

KY

Atlanta

GA

Albany

GA

Miami Lakes

FL

Dallas

TX

Norcross

GA

Orange

CA

North Augusta

sc

Athens

GA

Atlanta

GA

Savannah

GA

Thomson

GA

Smyrna

GA

Allentown

PA

Fort Valley

GA

Wheaton

IL

Roswell

GA

Decatur

GA

Atlanta

GA

Orange

CA

Marietta

GA.

Hattiesburg

MS

Roswell

GA

Dallas

TX

Atlanta

GA

Atlanta

GA

Marietta

GA

Buffalo

NY

Roswell

GA

Snellville

GA

Clearwater

FL

Atlanta

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

96

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

B

McAninch, Elizabeth A

Atlanta

GA

L

McCaughan Mortgage Company, Inc.

Coral Gables

FL

B

McGuire, Cynthia Jeanne

Roswell

GA

B

McKenzie Associates

Albany

GA

B

McNatt & Malone Mortgage Company

Marietta

GA

B

McNeeley, Dennis Eugene

Norcross

GA

B

Megargee, Richard Willard

Smyrna

GA

L

Mellon Mortgage Company

Houston

TX

B

Merchants Business Brokerage, Inc.

Smyrna

GA

B

Merchants Financial Group, Ltd., The

Atlanta

GA

B

Mercury Capital Services, Inc.

Roswell

GA

L

Meridian Mortgage Corporation

Wayne

PA

B

Meriwether Mortgage Services

Hogansville

GA

B

Merrill Lynch & Co.

New York

NY

L

Merrill Lynch Credit Corporation

Jacksonville

FL

L

Metmor Financial

Overland Park

KS

L

Metro Home Mortgage, Inc.

Suwanee

GA

B

Metro Mortgage Company

Marietta

GA

B

Metro Mortgage Network, Inc.

Atlanta

GA

B

Metropolitan Mortgage Corporation

Savannah

GA

B

MetroFirst Mortgage Corporation

Atlanta

GA

L

MetWest Services

Spokane

WA

B

Mid State Brokerage Co.

Macon

GA

R

MidFirst Bank, State Savings Bank

Oklahoma City

OK

B

Miller, Robert James

Snellville

GA

B

Miracle Mortgage Money Corporation

Columbus

GA

L

Mitchell County Loan Company

Pelham

GA

B

Mock, Ray S.

Tucker

GA

L

Modern Mortgage & Investors Corporation

Atlanta

GA

L

Molton, Allen &Williams Corporation

Birmingham

AL

B

Money Depot, Inc., The

Smyrna

GA

B

Money Finder, Inc, The

Chattanooga

TN

B

Money Locators, The

Jonesboro

GA

L

Money Store Investment Corporation, The

Sacramento

CA

L

Money Store, Inc., The

Marietta

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

97

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

L

Money Store, Inc, The

Sacramento

CA

L

Money Tree, Inc., The

Bainbridge

GA

L

Monogram Home Equity Corporation

Sa 1t Lake City

UT

B

Montclaire Mortgage Corporation

Atlanta

GA

B

Monterey Mortgage Corp.

Savannah

GA

B

Monticello Mortgage Corporation

Atlanta

GA

B

Moore, Harold Earl, Sr.

Atlanta

GA

B

Morningstar Mortgage Corporation, Inc.

Marietta

GA

B

Morrow, Willorene Barrow

Lawrenceville

GA

B

Mortgage & Financial Resources

Fayetteville

GA

B

Mortgage and Investment Services, Inc.

Rome

GA

B

Mortgage Alliance Network, Inc.

Dunwoody

GA

B

Mortgage Associated Lending Corporation

Stone Mountain

GA

B

Mortgage Associates Trust, Inc.

Duluth

GA

8

Mortgage Associates, Inc.

Smyrna

GA

L

Mortgage Authority, Inc., The

W. Bloomfield

MI

8

Mortgage Bane of Georgia Lending Corporation

Chamblee

GA

R

Mortgage Bank, Inc., The

Dunwoody

GA

8

Mortgage Brokers, Inc.

Duluth

GA

8

Mortgage Center, Inc.

Atlanta

GA

L

Mortgage Corner, Inc., The

Waterbury

CT

L

Mortgage Counseling Services, Inc.

College Park

GA

8

Mortgage Depot, The

Duluth

GA

8

Mortgage Equity Services, Inc.

Augusta

GA

8

Mortgage Experts, Inc.

Norcross

GA

8

Mortgage Express, Ltd.

Chamblee

GA

B

Mortgage Gallery, The

Roswe 11

GA

B

Mortgage Group, The

Roswell

GA

8

Mortgage Helper, Inc., The

Augusta

GA

8

Mortgage Information Services, Inc.

Columbus

GA

8

Mortgage Investment Services

Marietta

GA

8

Mortgage Lenders Group, Inc.

Atlanta

GA

L

Mortgage Lion, Inc., The

Jacksonville

FL

B

Mortgage Loan Center, Inc. The

Monroe

GA

B

Mortgage Loan Connection, Inc.

Decatur

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

98

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

( L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

B

Mortgage Market Associates

Perry

GA

8

Mortgage Market Services, Inc.

Lithonia

GA

B

Mortgage Master, Inc., The

Marietta

GA

B

Mortgage Masters

Gainesville

GA

B

Mortgage Masters, Inc.

Dublin

GA

B

Mortgage Outlet, Inc. The

Atlanta

GA

B

Mortgage Place, The

Dublin

GA

L

Mortgage Plus Incorporated

Atlanta

GA

B

Mortgage Research

Atlanta

GA

8

Mortgage Research Group, The

Tucker

GA

L

Mortgage Service America Co.

Reno

NV

B

Mortgage Services of Georgia

Jefferson

GA

B

Mortgage Solutions, Inc.

Marietta

GA

8

Mortgage Source, Inc.

Jacksonville

FL

B

Mortgage South of Tennessee, Inc.

Chattanooga

TN

B

Mortgage South Lenders, Inc.

Marietta

GA

B

Mortgage South, Inc.

Smyrna

GA

L

Mortgage Trust Corporation

Atlanta

GA

B

Mortgage Underwriters, Inc.

Marietta

GA

B

Mountain Federal Mortgage

Ellijay

GA

L

Mountain States Mortgage Center, Inc.

Sandy

UT

B

Multi Mortgage Corporation

Smyrna

GA

B

Munson, Thomas J.

Atlanta

GA

L

M8NA CSI

Newark

DE

B

MGA Mortgage Services, Inc.

College Park

GA

L

MLA, Inc.

Southfield

MI

B

MRAC Mortgage

Overland Park

KS

B

Nash, Steven A

Chamblee

GA

L

National City Mortgage Co

Miamisburg

OH

8

National Finance Corporation

Clifton Park

NY

B

National Home Equity, Inc.

Chattanooga

TN

L

National Life Insurance Company

Montpelier

VT

B

National Loan Processing & Affiliates, Inc.

Atlanta

GA

L

National Loan Servicecenter, Inc.

Atlanta

GA

L

National Mortgage Company

Memphis

TN

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

99

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

L

National Mortgage Corporation

Denver

co

L

National Mortgage Investments Co., Inc.

Griffin

GA

B

National Mortgage Resources, Inc.

Atlanta

GA

B

National Mtg & RE Services, Inc.

Marietta

GA

L

Nations Mortgage Inc.

Owings Mills

MD

L

NationsBanc Mortgage Corporation

Dallas

TX

R

NationsCredit Financial Services Corp

Allentown

PA

B

Nationwide Financial Corporation

Atlanta

GA

L

Nationwide Mortgage Services, Inc.

Atlanta

GA

B

Network Mortgage Services, Inc.

Duluth

GA

B

New London Equity

Atlanta

GA

R

New South Federal Savings Bank

Birmingham

AL

B

New Stone Mortgage Corporation

Decatur

GA

B

New York Funding, Inc.

Atlanta

GA

B

Newton, Will Hill III

Atlanta

GA

L

North American Mortgage Company

Santa Rosa

CP..

B

Northside Mortgage

Macon

GA

B

Northside Mortgage Co

Chattanooga

TN

L

Norwest Financial Georgia, Inc.

Atlanta

GA

L

Norwest Mortgage, Inc.

Des Moines

IA

L

Novus Financial Corporation

Riverwoods

IL

B

NOB Mortgage Services, Inc.

Atlanta

GA

B

NGN Financial Services, Inc.

Atlanta

GA

R

Oceanmark Bank, F.S.B.

N. Miami Beach

FL

B

Ocmulgee Land and Loan Company, Inc.

Macon

GA

B

Official Mortgage and Investments

Atlanta

GA

L

Old Republic Insured Financial Acceptc Corp

Chicago

IL

L

Omni Funding Corporation

Atlanta

GA

B

Omni Mortgage Corporation

Atlanta

GA

B

Optimum Mortgage Resources

Decatur

GA

L

Option One Mortgage Corp

Santa Ana

CA

B

Oslin Mortgage Corporation

Chattanooga

TN

B

Oyerinde, Dapo

Smyrna

GA

B

P.C. Mortgage & Financial Services

Morrow

GA

B

Pan World Finance Corporation

Norcross

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

100

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93~

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

L

Paragon Mortgage Corporation

Smyrna

GA

B

Paramount Financial Group, Inc., The

Atlanta

GA

B

Paramount Mortgage Corporation

Atlanta

GA

L

Parkway Mortgage, Inc.

Atlanta

GA

B

Pass and Associates

Jacksonville

FL

B

Pavlick, Linda Marie

Acworth

GA

B

Peach State Funding, Inc.

Atlanta

GA

B

Peach State Mortgage Corporation

Marietta

GA

L

Peachstate Home Equity

Gretna

LA

B

Peachtree Mortgage, Inc. of Athens

Athens

GA

B

PeachBanc Mortgage

Atlanta

GA

B

Peasant, George Alexander, Jr.

Atlanta

GA

B

Peavler, Phillip Gene

Martinez

GA

B

Penntrust

Atlanta

GA

R

People 1 s Bank

Bridgeport

CT

L

Peoples Financial Corporation of Canton

Canton

GA

L

Peoples Financial Corporation of Cartersville

Cartersville

GA

L

Peoples Financial Corporation of Dalton

Dalton

GA

L

Peoples Financial Corporation of DeKalb

Tucker

GA

L

Peoples Financial Corporation of Mableton

Mableton

GA

L

Peoples Financial Corporation of Marietta

Marietta

GA

L

Peoples Financial Corporation of Rome

Rome

GA

L

Peoples Financial Corporation of Valdosta

Valdosta

GA

L

Peoples Financial Corproation of Griffin

Griffin

GA

L

Peoples Loan and Finance Corporation

Marietta

GA

B

Perimeter First Funding Corporation

Atlanta

GA

L

Perimeter Mortgage, Inc.

Atlanta

GA

B

Perry, Michael Alan

Warner Robins

GA

B

Pettersson &Associates

Perry

GA

B

Phillips, Keith Williams

Lithonia

GA

B

Phi 11 i ps , Ted L

Jonesboro

GA

B

Phoenix Financial Group, Inc.

Atlanta

GA

L

Phoenix Financial Service, Inc.

Birmingham

AL

B

Phoenix Mortgage Corporation

Marietta

GA

L

Phone America Mortgage

Atlanta

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

101

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

B

Pinckard, Scott Patterson

Hamilton

GA

L

Pine State Mortgage Corporation

Atlanta

GA

B

Pinnacle Mortgage Corporation

Nashville

TN

L

Pioneer Credit Company

Cleveland

TN

B

Pittman Mortgage Company, Inc.

Augusta

GA

B

Pittman, Grady H.

Gray

GA

B

Planned Mortgage Solutions

Alpharetta

GA

B

Platinum Mortgage Corp.

Jonesboro

GA

L

Platte Valley Funding, LP

Scottsbluff

NE

R

Plaza Home Mortgage Bank

Santa Ana

CA

B

Porter, Marion Thomas

Fort Valley

GA

R

Portfolio Acceptance Corporation

Dallas

TX

B

Power Mortgage Company of GA, Inc. The

Woodstock

GA

B

Preferred Credit

Lexington

KY

L

Preferred Financial Funding Inc.

Atlanta

G.A.

B

Preferred Mortgage Services

Atlanta

GA

B

Premier Atlanta Mortgage Co., Inc.

Atlanta

GA

B

Premier Financial Services, Inc.

Duluth

GA

B

Premier Home Mortgage, Inc.

Hi nesvi 11 e

GA

L

Premier Lending Corporation

Atlanta

GA

L

Premier Mortgage Company

Baton Rouge

LA

B

Premier Mortgage, Inc.

Norcross

GA

B

Prestige Mortgage Services, Inc.

Woodstock

GA

L

Prime Mortgage Investors, Inc.

Coral Gables

FL

B

Primerica Financial Serv Home Mtg Inc

Duluth

GA

B

Primerica Financial Services

Atlanta

GA

L

Principal Mutual Life Insurance Co

Des Moines

IA

L

Principal Residential Mortgage, Inc

Des Moines

IA

B

Pritchett, Edgar Preston, Jr.

Columbus

GA

B

Professional Mortgage Services

Lithonia

GA

B

Professional Mortgage Services, Inc.

Jacksonville

FL

B

Professional Mortgage, Inc.

Snellville

GA

L

Progressive Mortgage Corporation

Conyers

GA

B

Prosperity Mortgage Corporation

Tucker

GA

L

Providence Mortgage Corp. of NC

Charlotte

NC

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

102

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

( L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

B

Providence Mortgage, Inc.

Tucker

GA

B

Province Capital, Inc.

Marietta

GA

R

Prudential Home Mortgage Company, Inc., The

Clayton

MO

R

Prudential Insurance Company of America, The

Newark

NJ

R

Prudential Real Estate Financial Service of GA LP

Roswell

GA

B

Puckhaber, Kurt David

Chamblee

GA

B

PDQ Mortgage Company

Kennesaw

GA

B

PFM Mortgage Services

Atlanta

GA

L

PHH US Mortgage Corporation

Mount Laurel

NJ

L

PNC Mortgage Corp of America

Vernon Hills

IL

R

Quincy State Bank, The

Quincy

FL

B

Rabun Mortgage Co.

Mountain City

GA

B

Rainbow Financial Services, Inc.

Ellijay

GA

B

Rainbow Mortgage

Fairburn

GA

B

Raintree Mortgage Services, Inc.

Marietta

GA

B

Rams Head Ltd

Macon

GA

B

Randolph Mortgage Company

Chattanooga

TN

R

Real Estate Financing, Inc.

Montgomery

AL

B

Real Estate Lenders

Roswell

GA

B

Real Estate Mortgage Svc Co

Smyrna

GA

L

Realty Mortgage Corporation

Jackson

MS

B

Regency Mortgage Services, Inc.

B

Reliance Mortgage & Realty Co

Atlanta

GA

Chattanooga

TN

L

Relocation Financial Services, Inc.

Norwell

MA

B

Relocorp M-1 Mortgage, Inc.

Edison

NJ

L

Republic Land & Investment Co

Atlanta

GA

L

Republic Mortgage Corporation

Memphis

TN

L

Res-Com Financial Corporation

Atlanta

GA

L

Residential Funding Corporation

Atlanta

GA

R

Residential Loan Processing Center

Milwaukee

WI

B

Residential Mortgage Brokers, Inc.

Dunwoody

GA

L

Residential Mortgage Services, Inc.

Davie

FL

8

Resolution Mortgage Corporation

Atlanta

GA

L

Resource Bancshares Mortgage Group, Inc.

Columbia

sc

8

Resource Financial Corporation

Stone Mountain

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

103

RESIDENTIAL MORTGAGE BROKERS. LENDERS. AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

( L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

B

Responsive Finance, Inc.

R

Reynold Carolina Federal Credit Union

B

Riblet, Jeffrey A.

B

Ridley, Pinckney Kibbee

B

Rise Mortgage & Financial

B

Rivercrest Mortgage Corporation

B

Riverside Mortgage Corporation

B

Riviera Mortgage Company, Inc.

B

Rockdale Mortgage Company

B

Rodgers Mortgage Company

B

Roswell Mortgage Services, Inc.

B

Roswell Mortgage Services, Inc.

B

Roswell Mortgage Services, Inc.

B

Royal American Mortgage, Inc.

L

Royal Palm Mortgage Corp

L

Ryland Mortgage Company

B

REK Investors Mortgage, Inc.

B

S K Associates

B

Sadler, Robyn S.

B

Safeway Mortgage & Investments, Inc.

B

Sanders, Scarlet Denise

L

Sandia Mortgage Corporation

L

Sandy Springs Associates, Inc.

8

Scales, Lillian S.

L

Scenic Mortgage Company

8

Seacoast Equities, Inc.

L

Security Bancorp, Inc.

8

Security First Mortgage, Inc.

B

Security Mortgage Funding, Inc.

L

Security Pacific Finance Credit Corp

B

Selective Financial Services, Inc.

8

Sganga, Michael Anthony, Sr.

B

Shepard, David Louis

L

Shoptaw-James, Inc.

B

Shuman &Associates, Inc.

Forest Park

GA

Winston-Salem

NC

Atlanta

GA

Smyrna

GA

Atlanta

GA

Atlanta

GA

Norcross

GA

Roswe 11

GA

Conyers

GA

Columbus

GA

Roswell

GA

Roswell

GA

Roswell

GA.

Atlanta

GA

Delray Beach

FL

Columbia

MD

Snellville

GA

Peachtree City

GA

Savannah

GA

Smyrna

GA

Warner Robins

GA

Albuquerque

NM

Atlanta

GA

Decatur

GA

Chattanooga

TN

Atlanta

GA

Scottsdale

AZ

Marietta

GA

Doraville

GA

Atlanta

GA

Morrow

GA

Martinez

GA

Tifton

GA

Atlanta

G.A

Norcross

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

104

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

R

Signet Bank/Maryland

Baltimore

MD

B

Smith-Senior, Thelma

Atlanta

GA

B

Smith, Ha 1 C. II I

Atlanta

GA

B

Smith, Richard Thomas

Atlanta

GA

B

Soden, Eugene V, Jr.

Smyrna

GA

L

Source One Mortgage Services Corporation

Farmington Hills

MI

L

South Georgia Equity Corporation

Tifton

GA

B

South State Mortgage, Inc.

Atlanta

GA

L

South State Mortgage, Inc.

Atlanta

G.A

B

South States Investments

Macon

GA

B

Southeast Mortgage of Georgia, Inc.

Lawrenceville

GA

B

Southeast Mortgage Lenders, Inc.

Savannah

GA

B

Southeastern Associates

Winder

GA

B

Southeastern Mortgage and Fincl Svcs, Inc

Norcross

GA

R

Southeastern Mortgage Corporation

Albany

GA

B

Southeastern Service Co.

Macon

GA

B

Southern Capital Mortgage Company

Columbus

GA

B

Southern Capital Mortgage Corporation

Atlanta

GA

L

Southern Crescent Mortgage & Inv Corp

Fayetteville

GA

B

Southern Financial and Equity Corp

Atlanta

GA

B

Southern Financial Network, Inc. The

Stone Mountain

GA

B

Southern Financial Services

Atlanta

GA

L

Southern Financial, Inc.

Dalton

GA

B

Southern Funding, Inc.

Columbus

GA

B

Southern Heritage Mortgage Corporation

Atlanta

GA

B

Southern Home Equity Corporation

Newnan

GA

B

Southern Lenders

Union City

GA

B

Southern Lenders & Investors

Augusta

GA

B

Southern Lending, Inc.

Tucker

GA

B

Southern Mortgage & Lending Corporation

Athens

GA

B

Southern Mortgage Services

Stockbridge

GA

B

Southern Residential Mortgage, Inc.

Dallas

GA

B

Southern Security Financial Group, Inc.

Roswe 11

GA

B

Southern Trust Mortgage

Atlanta

GA

R

Southland Bank

Dothan

AL

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

105

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

( L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

B

SouthBank Mortgage Corporation

Atlanta

GA

B

SouthState Financial Network, Inc.

Norcross

GA

R

SouthTrust Mortgage Corporation

Birmingham

AL

L

Sovereign Mortgage Corporation

Marietta

GA

B

Spalding Properties Corporation

Roswell

GA

L

Spartan Mortgage Inc.

Savannah

GA

B

Spear Enterprises

College Park

GA

B

Spectrum Mortgage Services

Atlanta

GA

B

Springfield Financial Corporation

Douglasville

GA

L

St. James Servicing Corporation

Atlanta

GA

L

Standard Mortgage Corporation, Inc.

Atlanta

GA

L

State Financial Acceptance Corp

Dallas

TX

B

State Street Financial Services

Roswell

GA

B

Sterling Home Funding, Inc.

Conyers

GA

B

Sterling Mortgage Corporation

Marietta

GP..

B

Stewart Mortgage Corporation

Duluth

GA

B

Stone Mountain Builders, Inc.

Lilburn

GA

B

Stone Mountain Mortgage, Inc.

Stone Mountain

GA

B

Stonegate Mortgage of Athens

Athens

GA

B

Summerville Mortgage Company, Inc.

Augusta

GA

B

Summit Mortgage Bankers, Inc.

Newnan

GA

B

Summit Ridge Mortgage

Lawrenceville

GA

L

Sun America Mortgage Corporation, Inc

Atlanta

GA

B

Sunbelt Mortgage and Financial Services, Inc.

Fitzgerald

GA

L

Sunbelt National Mortgage Corp.

Dallas

TX

R

Suncoast Savings & Loan Assoc., FSA

Hollywood

FL

L

Sunshine Mortgage Corporation

Marietta

GA

B

Suntory Funding

Wrightstown

NJ

B

SunStates Mortgage Corporation

Atlanta

GA

R

SunTrust Mortgage,Inc.

Atlanta

GA

8

Superior Financial Corporation

St Simons Island

GA

L

Swainsboro Financial Services, Inc.

Swainsboro

GA

L

SC Funding Corporation

Costa Mesa

CA

B

T&M Business & Financial Services, Inc.

Duluth

GA

L

Tapley Finance Corporation

Dublin

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

106

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CI1~

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

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

---------------

ST

8

Tara Mortgage

I
L

Taylor, Bean & Whitaker Mortgage Corp

Marti 11ez Ocala

G_,A
rL

L

Temple-Inland Mortgage Co~poratio~

Austin

TX

B

Terrace Mortgage Company

Atianta

GA

B

Title l Mortgage Corporation

Rockmart

GA

B

Tompkins, Jill A.

Augusta

GA

8

Torch Mortgage Corporation

Alpharetta

G.b,

B

Total Financial Services, Inc.

Marietta

GA

L

Tower Financial Services, Inc.

Atlanta

G.A_

L

Traditional Mortgage Corporation

Tucker

GA

R

Trans Financial Bank of Tenn FSB

Tullahoma

Tt-;

B

Trans/Mark Mortgage Services

Atlanta

G._t,,

L

Transamerica Financial Services

Los Angeles

CA

L

Transworld Mortgage Corporation

Houston

TX

L

TranSouth Mortgage Corporation

.A.l bar.y

G.to.

B

Tri City Mortgage Broker

Columbus

GA

B

Tri Star Mortgage

Lilbun1

GA

L

Troy & Nichols, Inc.

Monroe

LA

L

Trustcorp Mortgage Company

South Bend

IN

R

Trustmark National Bank

Jac~~son

MS

L

Turner Finance Company

Bainbridge

Gr\

L

TCF Mortgage Corporation

Minneapolis

MN

8

TLC, Inc

Lilburn

GA

L

TMC Mortgage Co., LP

McLea.n

VA

L

TMS Mortgage Inc.

Marietta

G.A

B

U.S. Money Source, Inc.

Marietta

GA

B

U.S. Mortgage Corporation of Delaware, Inc.

~~t. Laure 1

NJ

8

U.S. Mortgage Lending Corporation

Marietta

GA

B

U.S.A. Mortgage, Inc.

Cleveland

TN

L

Union Financial Corp

Mclear.

VA

8

Union Security Mortgage Corp.

Douglasville

GA

8

United Home Mortgage Company, Inc.

Marietta

GA.

L

United Mortgage Investors, Inc.

Decatur

GA

B

United Service Financial Corp

Stone Mol'ntain

GA.

Unitower Mortgage Corporation

Miami

FL

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

107

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

(R)EGISTRANT

LICENSEE NAME

CITY

ST

L

Unity Mortgage Corp

L

Universal American Mortgage Co

B

Universal Financial Group, Inc.

L

UDC Mortgage Corporation

L

UNICOR Mortgage

B

Valley Mortgage Co., Inc.

L

Valley National Financial Services Co

R

Vanguard Bank and Trust Company

B

Vanguard Mortgage Corp

B

Vantage Mortgage Corporation

L

Venture Mortgage, Inc.

R

Virginia Federal Savings Bank

B

Vlass Capital, Inc.

B

W. H. Scott &Associates, Inc.

B

W.O. Little Mortgage Corp

R

Wachovia Mortgage Company

B

Walker, Edgar H

B

Walker, James Randall

L

Walter Capital Corporation

L

Washington Square Mortgage Co

L

Washtenaw Mortgage Company

B

Waters, John W.

L

Way Acceptance Company

L

Wendover Funding, Inc.

L

West Star Financial Corporation

B

Westside Mortgage

L

Weyerhaeuser Mortgage Company

B

Whitaker, Gregory D.

B

Whitesides, Robert Edward

B

Wholesale Lending Corporation

L

Wieland Financial Services, Inc.

L

Wilkes Finance Corp

B

Williams, Arthur L, III

B

Williams, Jerry Bernard

B

Windy Hill Mortgage

Atlanta

GA

Miami

FL

Tifton

GA

Tempe

AZ

Baton Rouge

LA

Atlanta

GA

Atlanta

GA

Valparaiso

FL

Atlanta

GA

Atlanta

GA

Atlanta

GA

Richmond

VA

Dunwoody

GA

LaGrange

GA

Marietta

GA

Winston-Salem

NC

Marietta

GA

Carrollton

GA

Tallahassee

FL

West Des Moines

IA

Ann Arbor

MI

East Point

GA

Vidalia

GA

Greensboro

NC

Centennial Park

AZ

Austell

GA

Concord

CA

Smyrna

GA

Norcross

GA

Douglasville

GA

College Park

GA

Mableton

GA

Monroe

GA

Lithonia

GA

Marietta

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.

108

RESIDENTIAL MORTGAGE BROKERS, LENDERS, AND REGISTRANTS

LICENSED OR REGISTERED AS OF: 12-31-93*

(O.C.G.A. 7-1-1000 THRU 7-1-1-1020)

(B)ROKER

(L)ENDER

( R)EGISTRANT

LICENSEE NAME

CITY

ST

B

Wood Insurance and Financial Services

B

Woods &Associates

B

Wooton, Michael Steven

L

Wrens Finance Co., Inc.

B

Your Mortgage Stop

B

Zellco Mortgage Services, INc.

B

1st Atlanta Mortgage

B

1st Central Mortgage Inc.

L

1st Mortgage Lending Group

B

1st Southern Mortgage Corporation

B

1st Warner Robins, Inc.

L

1st 2nd Mortgage Company of NJ, Inc.

B

3 MMortgage, Inc.

Macon

GA

Savannah

GA

Marietta

GA

Wrens

GA

Tunnel Hill

GA

Atlanta

GA

Chamblee

GA

Atlanta

GA

Atlanta

GA

Marietta

GA

Warner Robins

GA

Cresskill

NJ

Atlanta

GA

NOTE: SOME OF THE LISTED INSTITUTIONS HAVE CLOSED SINCE 12-31-93.
109

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

CITY

APPLICANT NAME

TRADENAME

Albany Albany Alpharetta Athens
Athen~
Athens Athens Athens Athens Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atianta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta

*Ace's Liquors', Inc.
Jaxx Liquors, Inc. Beverage Depot Inc. Arthur J. Floyd Classic Cash, Inc. Defo, Inc. *J's Variety, Inc. *John Thomas Swartz Inc. *Young J. Son
Ae Sok Chang *Alex Supermarket, Inc. Atlanta Cash It Here, Inc.
*8 &W Supermarket, Inc.
8&8 Checking, Inc. Bankhead Liquors Store, Inc. Bharat Business Systems, Inc. *Brian Y. Choi
Cash Depot, Inc. Chae Hun Shim Check Cashers, Inc. 3 Check It Out, Inc. Checks Unlimited, Inc. Chek Cash, Inc. Choi Kwang Woong Dennis B. Lee Dollie Meils *Edward C. Shim First Pryor Corporation *Five Star Supermarket, Inc. Fulton Beverage Center, Inc. Greenbacks, Inc. H.Y., Inc.
Hare & Sheth, Inc.
*Hwang's Enterprises, Inc.

Ace's Liquors 1 , Inc. Jaxx Beer and Wine
Beverage Depot Beer & Wine
Floyd's Package Store Classic Cash, Inc. Chase Street Package J's Variety Big A Bottle Shop 4 Tigers Bankhead Supermar~et Alex Supermarket, Inc:. Atlanta Cash It Here, Inc.
B & WSupermarket, Inc.
Checks Unlimited #3 Tower Package Store Olympic Package Store Hunter Hill Supermarket
Cash Depot
D &M Liquor Storf
Check Casners, Inc. #1 Check It Out, Inc. Checks Unlimited #1 Chek Cash West End Food Mart Five Points Variety ADR Financial Services Atlanta Package Store Pryor Liquor Store Five Star Supermarket, Inc. Fulton Beverage Center, Inc. Greenbacks, Inc. H.Y., Inc.
Flags Liquor Store Skyland Point Bottle Store

* ~ EXEMPT (O.C.G.A. 7-1-709)
110

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

CITY

APPLICANT NAME

TRADENAME

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

J&J Check Cashing, Inc. *J&M Enterprises, Inc. Jack Raymond Halfon *Jae Ook Choi *Jai Man Yoon Jerry's Pawn Shop, Inc. *Jin Tae Yum *Jinik Yim Joong Hyun Yu Jorge Giraldo
Kleem Enterprises, Ltd. *Kwang-Jun No *Kwon and Han, Inc. ~L & Y Foods, Inc.
Loomba Check Cashing, Inc. Michael George Ware, Sr. *Moon S. Kim Moreland Ave Liquor Inc. N. N. B., Inc. Northco, Inc. *Northside Beverage and Food, Inc. Northside Corp. Pong C. Shin *Pu Sik Noh Randy T. Richardson Rong's Enterprises, Inc. *S.V.R., Inc. *Sang Hwa Jung Second & Boulevard, Inc. *Shoppers Market *Shoppers Market, Inc. *Sok Hui Yi *Soon Heung Chun *Sun G. Choi

Checks Unlimited #2 Little Five Point Liquor Bim's Liquor Store
Windsor Supermarket Southeast Package Store Jerry's Pawn Shop Winston's Grocery Peachtree Towers Package Store DouAna Package Store Jorge Giraldo Check Cashing Co. Moreland Check Cashing Star Liquor Store Economy Thriftown Super Giant Food Check Cashing
M& R Check Cashing Co.
Oasis Food Mart Tower Package Store Ajax Beverage Center Brookhaven Liquor, Beer and Wine Depot
Joe's Liquor Tower Package Store Esquire Liquor Store Arrow Liquor Store Randy's Quick Stop
U.S.A. Package Store Charlie's Package Store
J & J Grocery Town & Country Shoppers Market Shoppers Super Market, Inc. Pryor Road Supermarket Techwood Grocery Alewine Grocery Store

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

111

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

CITY

APPLICANT NAME

TRADENAME

Atlanta Atlanta
Atlanta Atlanta Atlanta Atlanta Atlanta Atlanta. Atlanta Atlanta Atlanta Atlanta Atlanta Augusta Augusta Augusta Austell Austell Bainbridge Brase lt.on
Brunswick Calhoun Calhoun Camilla Cartersville Chamblee Chamblee Clarkston College Park College Park College Park College Park College Park College Park.

*Sung Uk Kim
Tesfa Inc. The Money Depot Financial Services, Inc.
Tom Howell &Associates, Inc.
Tri J, Inc. *Ung J. Lee
Vi sha 1 Investments, Inc. We-See Enterprises, Inc. *Woo Suk Park
Zemui Gebrechristos 15 Moreland Corporation
365 Cleveland Inc. *556 Service Store, Inc.
Danny Allen Newman, Inc.
R & L Johnson, Inc.
Smile Gas Inc. Express Check Cashing, Inc. Sanish, Inc. Cash Check Inc. of Georgia Phillip Underwood Golden Isles Pharmacy, Inc. Michael Stan McEntyre *Raymond J. Brown
Russell Watson Liberty Check Cashers of Cartersville, Inc. Brass Investments Inc. Jung Ho Kim Otten Financial Services, Inc, Alabama Checkcashers, Inc. Cash N Go, Inc. Elfinesh Teklegiorgis Good Libations, Inc. Leelin, Inc. *Myung S. Chung

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

112

Broadway Package Store Cash-A-Check Plus Money Depot (The) Money World Kala 1 s Package Family Supermarket Airport Package Store
We-See Enterprises, Inc. Tax & Financial Service
King 1 s Food Store Banks Liquor Store MW Liquors Old South Package Store 556 Package Store Check-X-Change 56 Package Shop Smile Gas #28 Express Check Cashing Mr. Check Casher
Braselton Pawn and Check Cashing Golden Isles Pharmacy Cash In A Flash J.J. 1 s Package Store Watson 1 s Supermart Liberty Check Cashers Two Guy 1 s Package Store
S & S Bottle Shop
Check-X-Change AAA Checkcashers, Inc. Cash N Go, Inc. Ethio Check Cashing Good Libations Check Cashing
Kilroy's Beer &Wine
Short Stop

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

CITY

APPLICANT NAME

College Park College Park Columbus Columbus Columbus Columbus Columbus Columbus Conley Conyers Covington
Covington Da 11 as Decatur Decatur Decatur Decatur Decatur Decatur Decatur Decatur Decatur Decatur Decatur Decatur Doraville Doraville Doraville Doraville
Doraville Douglasville Duluth East Point East Point

USA Cash, Inc. Vita R. Mitchell
Booker & Cooper, Inc.
*Griggs, Inc. James G. Watson Kenneth/Vilma Bright Muscogee Traders, Inc. Steve's Check Casher, Inc. Wood's Package Store, Inc. The Check Mart, Inc. Adolphus Lester, Sr. MCS Investments, Inc.
Barry K & Debora L. Puckett
Bang J. Kim *Chong Sup Lee *Eum S. Yee
Glenwood Corporation Ha 1' s Co 1umbi a, Inc. Hal's Liquor, Inc. Kenneth Allen Patterson
*Ki H. Yu
*Myung Hoon Ji *Ray & K, I nc . 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
Anndav Corporation *ABC Thrifty Supermarket, Inc.
Bain, Inc.

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

113

-TR-AD-EN-AM-E
USA Cash Star Buc~ Scratch-Cash-A-Check
B & C Beverages
Money Back Food Store #23 Check Cashers Fast Trax Enterprises U-Need-A Pawn Mr. Check Casher Wood's Package Store, Inc. The Check Mart, Inc. Covington Check Cashing The Check Mart P.C.C.S. #1 Gene's Check Cashing Shields Market College Inn Package Store JA Liquors Hal's Package Store Ha 1' s Package The Check Facility and Money World #3 Food Castle Grocery Store
M& MPackage 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 Mobile Monetary ABC Thrifty Supermarket, Inc. All Purpose Temps

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

CITY

APPLICANT NAME

TRADENAME

East Point East Point Forest Park Forest Park Forest Park Forest Park Forest Park Fort Va 11 ey Gainesville Gainesville Griffin
Hapeville Hinesville Hinesville Hinesville Hinesville Hinesville Hinesville Jonesboro Jonesboro Jonesboro Kennesaw Lawrenceville Lawrenceville Lawrenceville Lawrenceville LaGrange Lilburn Lithonia Macon Macon Macon Macon Marietta

*Chang Ki Kim
Ski, Inc. Hong Enterprises, Inc. Main Street Grocery, Inc. Nandi Corporation Sharma, Incorporated Won's Inc. *Marsha 11 Young Nekam Security, Inc. *Paul H. Ahn Northside Bottle Shop, Inc.
RONIR, Inc. Briscoe Enterprises, Inc. James Roberson Lawrence Raymond Hammock Ms. Money Financial Services Inc. Paul Jack Kerr Pijit P. Healy
Carey D. Moss
Jay Enterprises, Inc. *Soon Ja Choe Southern Merchandise Company, Inc.
Centrai Gwinnett Check Cashers, Inc. Danko Quik Cash, Inc. N&I Enterprises, Inc. Raymond Andrew Bradberry * Ri c ha rd Fu11er *Billy Ray Co 1e
Erin Young ae Lee Bo Hui Lee HEE Development Company, Inc. *Westend Package Store, Inc. William Robert Parrish *Abbas-Shahlaie

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

114

Lee's Drive-In Grocery
Stanton Package Store
Shopwise Beer & Wine/Hong's Liquor
Main Street Grocery, Inc. Digjam Check Cashing Dixie Package/V.K. Liquor Parkway Bottle Shop Young 1 s Super Foods Georgia Checks Queen City Package Store Sam's Check Cashing Store Galanti's Beer and Wine The Money Man Mr. Cash One Stop Package Shop Ms. Money Paul Jack Kerr Check Cashing PJ: Checks Cashing
Moss Pawn &Tackle Shop
Herbert's Food Mart
Big H Amoco
Two Guys 101 Package Store Check Changers Quik Cash Spur Raymond Andrew Bradberry Fuller's Superette Cole's Service Station Young's Supermarket
ABC Liquor Store Fast Cash Check Cashing Westend Package Store The Jewelry Box Party Package Store

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

CITY

APPLICANT NAME

TRADENAME

Marietta Marietta Marietta Marietta Marietta Marietta Marietta Marietta Marietta Marietta Marietta McDonough Mill edgevi ll e Milledgeville
Newnan Norcross Norcross Norcross Red Oak Red Oak Riverdale Riverdale Rome Rossville Rossville Roswe 11 Savannah Savannah Savannah Savannah Savannah
Savannah Savannah Smyrna

Abraham Bronstein Ali Torabi Anjay Corp.
Avis I. DiStefano Convenient Check Cashers, Inc. Dennis Lamont McClure Sr. Johnson Ferry Beverage, Inc. Joseph Colbert, Jr. Jupiter Enterprises, Inc. Marietta Market, Inc. *Mohammad Shahlaie JENN-JENN Unlimited, Inc. Chester L. Gunby *Milledgeville Finance Company, Inc. *Casey Kim Atlanta Check Cashers, Inc. Community Business Center, Inc. Minesh, Inc. F&S Check Cashing, Inc. *Winn-Dixie Store #1893 Riverdale Bottle Shop, Inc. S & V Check Cashing, Inc. Cash-A-Check Quik, Inc. Money Exchange, Inc. Stephan Kenneth Jack EMK Group, Ltd. Blake's Chevron Self Service, Inc. Friedman Services, Inc. Harry's Liquorama, Inc. Mickey's Package Shops, Inc. *Stiles Avenue Quick and Package Shope Tyrone E. Shurling Wheaton Liquor's, Inc. ACE Cash Express, Inc.

Franklin Road Check Cashers Number One Check Cashing Services Dick's Package Store Check Express Convenient Check Cashers, Inc. American Check Cashers Sherlock's Charlie's Beer & Wine Goodtimes Beverage Center Marietta Check Cashers Bells Ferry Package Store The Check Mart III Cash for Checks Milledgeville Finance Company, Inc. Papa Joe's Food Store Atlanta Check Cashers, Inc. Community Checks Cashed Pop Top Package & Deli F&S Check Cashing, Inc. Winn Dixie Store #1893 New South Package Store Check Cashing Cash-A-Check Quik, Inc. Check-X-Change
Mom & Pop Title Shop
Mobile Monetary Blake's Chevron Self Service PJ's Check Casher
Harry's Beer &Wine
Mickey's Package Shop C.D.C. Beverage Desoto Grocery Check Cashing Bubba's Check Cashing ACE America's Cash Express

*=EXEMPT (O.C.G.A. 7-l-709)
115

CITY
Smyrna Smyrna Smyrna Snell vi lie Stockbridge Stone Mountain Stone Mountain Toccoa Tucker Tucker Union City Valdosta Waycross Waynesboro Woodstock

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

APPLICANT NAME

TRADENAME

Dicheve Company, Inc. Liquid Gold, Inc. *Rami n Torabi
South Gwinnett Check Cashers, Inc. TND, Inc.
Atkinson &Atkinson Associates, Inc.
Willie J. Register, Jr. Maypole Chevrolet-Geo-Subaru, Inc. ChecksFirst Corporation *Fortune Partner, Inc. A&M Enterprise Inc. A.AA Cash-A-Check, Inc. *Paul Boatright DeLaigle Check Cashing Co., Inc. Liberty Check Cashers of GA, Inc. (Woodstock)

Cash Plus Doc's Wines and Spirits Ray's Package Store
Check Changers Stockbridge Check Cashing Smoke Rise Bottle Shoppe, Inc. Check First Maypole Chevrolet ChecksFirst Corporation Pardner's Two Liquor Store Shannon Beverage Outlet National Check Cashing Edd's Package Store
DeLaigle Check Cashing Co., Inc. Liberty Check Cashers

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

116

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

NAME OF LICENSEE

U.S. LOCATION

No. of GA AGENTS

American Express Travel Related Services Company, Inc. Certified Express Circle K Money Order Corporation Citicorp & Citicorp Service, Inc. Comdata Network, Inc. Eagle Express Money Orders Fidelity Express Money Order Company Francheque S.A. Global Express Money Orders, Inc. Integrated Payment Systems, Inc. lnterpayment Services Limited Mid-America Money Order Company North American Money Order Company, Inc. Ruesch International, Inc. Societe Francoise du Cheque de Voyage Swiss Bankers Travellers Cheque Centre Thomas Cook Australia Thomas Cook Currency Services, Inc. Thomas Cook, Inc. Travelers Express Company, Inc. Travellers Cheque Associates, Ltd. U. S. Express Money Order Western U:1ion Financial Services, Inc.

New York, NY Smyrna,GA Phoenix, AZ Chicago, IL
Brentwood, TN Savannah, GA Sulphur Springs, TX
Princeton, NJ Silver Spring, MD
New York, NY New York, NY
Louisville, KY Atlanta, GA New York, NY New York, NY New York, NY Princeton, NJ Atlanta, GA Princeton, NJ Minneapolis, MN New York, NY Stone Mountain, GA Upper Saddle River, NJ

1475 47
103
400 264
2
2
4 243
0 161 24 343
1
26
5 3
4 65 1475 32 47 478

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 SupeNision, National Credit Union Administration.
117

GEORGIA CREDIT UNION DEPOSIT INSURANCE CORPORATION STATEMENT OF ASSETS AND LIABILITIES

ASSElS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12-31 -93
Cash in Bank ........................... S 3,31 7
Investments Certificates of Deposit, etc. . .............. 3,298,052
Due from Members . . . . . . . . . . . . . . . . . . . . . . . . . . . . -0Due from Credit Unions in Liquidation ......... 359,017 Fixed Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . -00ther Assets ............................. 833,176

12-31-92
s 38,901
5,744,187 -0-
559,876 2,431
520,686

LIABILITIES, . . . . . . . . . . . . . . . . . . . . . . . . . 12-31 -93
Miscellaneous
Accounts Payable ................. S 17,550
Reserve Against Insurance Liabilities . . . . . . . . . . . . . . . . . . . . . . . . . 4,281,236
CapitolMembers' Paid-in Fees . . . . . . . . . . . . . . 194,776

12-31-92
$9,854 6,660,447
195,780

TOTAL . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $4,493,562 $6,866,081

TOTAL ............................ $4,493,562 $6,866,081

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

NAME OF CREDIT UNION
Christian Churches Credit Union
Unpaid Claims Liquidation Expenses Payable Estimated Value of Remaining Assets

RECEIVERSHIP LIQUIDATIONS
LOCATION Fayetteville

CLOSED 7-13-88

118

RECEIVER
GCUDIC
$51,988.00 200.00
$52,253.00

APPLICATIONS FOR FINANCIAL HOLDING COMPANY SUBSIDIARIES TO MERGE ACROSS COUNTY LINES

NAME OF HOLDING COMPANY

CITY

COUNTY

First Union Corporation Decatur Federal Savings and Loan Association First Union National Bank of Georgia
Georgia Bank Financial Corporation Georgia Bank & Trust Company of Columbia County Georgia Bank & Trust Company of Augusta
Mountain Holding Corporation Button Gwinnett National Bank Mountain National Bank
Bank South Corporation Barnett Bank of Fayette County Bank South, National Association
Southern Crescent Financial Corp The Southside Bank & Trust Company Clayton National Bank
Summit Bank Corporation Vinings Bank & Trust National Association The Summit National Bank

Charlotte, NC Decatur Atlanta
Augusta Martinez Augusta
Tucker Norcross Tucker
Atlanta Fayetteville Atlanta
Morrow Union City Morrow
Atlanta Atlanta Atlanta

Mecklenburg DeKalb Fulton
Richmond Columbia Richmond
DeKalb Gwinnett DeKalb
Fulton Fayette Fulton
Clayton Fulton Clayton
DeKalb Cobb DeKalb

119

APPROVED
1-05-93 5-21-93 8-30-93 9-07-93 10-22-93 12-22-93

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

BANK HOLDING COMPANY

ACQUISITIONS ONLY:

AmSouth Bancorporation

Birmingham

AL

AmSouth Bancorporation

Birmingham

AL

SouthTrust Corporation

Birmingham

AL

Bank South Corporation

Atlanta

GA

Bank South Corporation

Atlanta

GA

Bank South Corporation

Atlanta

GA

Bank South Corporation

Atlanta

GA

Summit Bank Corporation

Atlanta

GA

Southland Bank Corporation

Butler

GA

Century South Banks, Inc.

Dahlonega

GA

Pinnacle Financial Corporation

Elberton

GA

TO ACQUIRE

First Federal Savings Bank

Calhoun

GA

The Georgia State Bank of Rome

Rome

GA

Prime Bank, FSB

Decatur

GA

Barnett Bank of Atlanta

Atlanta

GA

Chattahoochee Bancorp, Inc.

Atlanta

GA

Merchant Bank Corporation

Atlanta

GA

Barnett Bank of Fayette County Fayetteville GA

Vinings Bank & Trust, N.A.
Atlanta

United Bank of Crawford

Roberta

GA

The Martin Bank (inactive charter)

Martin

TN

Tri-County Bank of Royston

Royston

GA

120

APPROVAL DATE
Pending 12-06-93 2-04-93 9-07-93 Pending
Pending 9-07-93 12-22-93 12-22-93 Pending 12-23-93

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

BANK HOLDING COMPANY

ACQUISITIONS ONLY:

First National Bancorp

Gainesville

GA

First National Bancorp

Gainesville

GA

FMB Bancshares, Inc.

Lakeland

GA

Bank Corporation of Georgia

Macon

GA

Southern Crescent Financial Corp.

Morrow

GA

Nashville Holding Company

Nashville

GA

First Capital Bancorp, Inc.

Norcross

GA

Mountain Holding Corporation

Tucker

GA

Wrightsville Bancshares, Inc. Wrightsville GA

First Union Corporation

Charlotte

NC

First Union Corporation

Charlotte

NC

TO ACQUIRE

The Community Bank of Carrollton

Carrollton

GA

Bank of Villa Rica

Villa Rica

GA

The United Banking Company

Nashville

GA

Ameribank, N.A.

Savannah

GA

The Southside Bank & Trust Company

Union City

GA

Citizens Bank & Trust

Evans

GA

Paces Bank & Trust

Atlanta

GA

Button Gwinnett National Bank

Norcross

GA

The Knight State Bank

Dexter

GA

Georgia Federal Bank, FSB

Atlanta

GA

Decatur Federal Savings and Loan Association

Decatur

GA

121

APPROVAL DATE
8-09-93 5-25-93 6-03-93 5-25-93 10-22-93 5-11-93 6-28-93 8-03-93 10-26-93 5-12-93 1-05-93

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

BANK HOLDING COMPANY

NEW FORMATIONS:

Broadstreet, Inc.

Atlanta

GA

HomeBanc Mortgage Corporation

Atlanta

GA

Early Bancshares, Inc.

Blakely

GA

Central Bankshares, Inc.

Cordele

GA

Mt. Vernon Financial Corp.

Dunwoody

GA

JAM Family Partnership I, and II, L.P.

Elberton

GA

McConnell & Co. and Eberhardt, Inc.

Elberton

GA

The Bank Holding Company

Griffin

GA

FLAG Financial Corporation

LaGrange

GA

Century Bancorp, Inc. Milledgeville GA

TO ACQUIRE

AmTrade International Bank

Atlanta

GA

HomeBanc Federal Savings Bank

Atlanta

GA

Bank of Early

Blakely

GA

Central Bank & Trust

Cordele

GA

Mt. Vernon Federal Savings Bank

Dunwoody

GA

Pinnacle Financial Corporation

Elberton

GA

Pinnacle Financial Corporation

Elberton

GA

The Bank of Spalding County

Griffin

GA

First Federal Savings Bank of LaGrange

LaGrange

GA

Century Bank and Trust Milledgeville GA

122

APPROVAL DATE
3-04-93 Pending 2-02-93 5-24-93 12-03-93 12-23-93 12-23-93 8-30-93 Pending 2-22-93

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

BANK HOLDING COMPANY

NEW FORMATIONS:

ESOP & Trust of Southwest Georgia Financial Corp

Moultrie

GA

First Capital Bancorp, Inc.

Norcross

GA

Jones Bancshares, L.P.

Waycross

GA

TO ACQUIRE

Moultrie National Bank

Moultrie

GA

Central Gwinnett Bank

Norcross

GA

The Blackshear Bank

Blackshear

GA

APPROVAL DATE
Rescinded 6-28-93 10-29-93

123

FINANCIAL INSTITUTION (SURVIVOR)
AmTrade International Bank of Georgia Atlanta
Bank South, National Association Atlanta
Bank South, National Association Atlanta
GEMC Federal Credit Union Atlanta
Mutual Savings Credit Union Atlanta
Paces Bank & Trust
under name of First Capital Bank Atlanta
Georgia Bank & Trust Company of Augusta
Augusta
Georgia Federal Credit Union Clarkston
Georgia Federal Credit Union Clarkston
Hallco Federal Credit Union Gainesville
First Alliance Bank Marietta

FINANCIAL INSTITUTION MERGERS
MERGED INSTITUTION
First American International Bank (Edge Agreement Corporation)
Miami, FL
Barnett Bank of Atlanta Atlanta
Barnett Bank of Fayette County Fayetteville
N.G.E.M.C. Credit Union Dalton
Chattanooga Gas Company Credit Union Chattanooga, TN
Central Gwinnett Bank Norcross
Georgia Bank &Trust Company
of Columbia County Martinez
Kraft Employees Credit Union Decatur
Salem Carpet Credit Union Ringgold
Northeast Georgia Health Services Credit Union
Gainesville
Georgia Security Bank Marietta
124

APPROVAL DATE 3-19-93
9-07-93 9-07-93 11-12-92 12-16-92 7-09-93
5-21-93
7-01-93 7-01-93 4-29-92
10-13-93

EFFECTIVE DATE
3-19-93
12-02-93 12-02-93 1-01-93 1-31-93 8-12-93
7-01-93
7-01-93 7-01-93 4-15-93
11-05-93

FINANCIAL INSTITUTION (SURVIVOR)
Lockheed Georgia Employees Federal Credit Union
Marietta
Savannah Postal Credit Union Savannah
Multiple Employees Group Federal Credit Union
Thomasville
The Southside Bank & Trust Company
Union City

FINANCIAL INSTITUTION MERGERS
MERGED INSTITUTION
Colonial Credit Union East Point
Savannah Regional Hospital Credit Union Savannah Moultrie Container Employees Credit Union Moultrie
Clayton National Bank Morrow

APPROVAL DATE
7-13-93
1-14-93 8-20-93
ll-12-93

EFFECTIVE DATE
7-13-93
3-02-93 10-31-93
11-12-93

125

APPLICATIONS FOR NEW FINANCIAL INSTITUTIONS

FINANCIAL INSTITUTION

AmTrade International Bank of Georgia

127 Peachtree Street, NE

Atlanta

30303

First Financial Bank

3 Corporate Square

Atlanta

30329

Central Carolina Bank-Georgia

33 West 11th Street

Columbus

31901

Gilmer County Bank

315 Industrial Boulevard

Ellijay

30540

AmSouth Bank of Georgia

101 East Washington Avenue

Summerville

30747

CAPITALIZATION
$ 9,500,000 $ 70,000,000 $ 6,000,000 $ 4,000,000 $ 3,000,000

PREVIOUS NAME
Columbus Postal Credit Union Columbus
Central Savings Bank, F.S.B. Cordele

FINANCIAL INSTITUTION CONVERSIONS CONVERTED TO
Columbus Postal Federal Credit Union
Central Bank &Trust
126

APPROVAL DATE
9-11-92 11-24-92 1-22-92
Pending 12-31-92

BEGIN BUSINESS
DATE
3-19-93 5-07-93 5-28-93
2-01-93

APPROVAL DATE
7-15-93
5-24-93

EFFECTIVE DATE
12-10-93
6-30-93

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

FINANCIAL INSTITUTION Capitol City Bank & Trust Company
Atlanta
Paces Bank & Trust
Atlanta
Reliance Trust Company Atlanta
Trust Company Bank Atlanta
Trust Company Bank Atlanta
Trust Company Bank Atlanta
Georgia Bank & Trust
Calhoun
Bank of Canton Canton
First Community Bank & Trust
Cartersville

BANK OFFICE, BRANCH, OR FACILITY

Cascade Road Office

2358 Cascade Road

Atlanta

30311

Indian Trail Branch

1725 Indian Trail Road

Norcross

00000

Sales and Marketing Office

950 East Paces Ferry Road, NE

Suite 2840

Atlanta

30320

North Point Mall Office

6565 Eastside Drive

Alpharetta

30201

Johnson Ferry Road Medical and Professional

Banking Center Facility

Atlanta

30342

Dunwoody Office

1710 Mt. Vernon Road

Dunwoody

30338

North 41 Office

940 North Wall Street, N.W.

Calhoun

30703

Hickory Flat Office

6290 Hickory Flat Highway

Canton

30114

Adairsville Office

5827 Joe Frank Harris Parkway

Adairsville

30103

127

APPROVAL DATE
8-13-92 7-09-93 4-21-93
4-27-93 11-24-92 9-14-93 9-17-93 8-27-92 8-30-93

BEGIN BUSINESS
DATE
8-12-93 4-26-93 10-18-93 3-01-93
9-10-93 10-21-93

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

FINANCIAL INSTITUTION Cordele Banking Company Cordele
Dalton/Whitfield Bank & Trust
Dalton
Citizens Bank & Trust
Evans
Bank of Heard County Franklin
Georgia First Bank Gainesville
Bank of Gray Gray
United Bank of Griffin Griffin
The Coastal Bank Hinesville

BANK OFFICE, BRANCH, OR FACILITY

Warwick Office

2447 Georgia Highway 300 South

Cordele

31015

East Walnut-Winn Dixie Facility

Winn Dixie #1837

East Walnut Avenue/Airport Road

Dalton

30722

Fury 1 s Ferry Office

360 Fury 1 s Ferry Road

Martinez

30907

Ephesus Facility

24500 Georgia Highway 100

Ephesus

30217

Limestone Parkway Office

2550-A Limestone Parkway

Gainesville

30505

Southside Office

Gray Highway & Old Clinton Road

Gray

31032

Northside Office

1500 West Mcintosh Road

Griffin

30223

Pooler Office

501 West Highway 80

Pooler

31322

APPROVAL DATE 3-01-93
12-09-93
11-30-92 10-16-92
6-17-93 3-29-93 10-26-92 1-25-93

128

BEGIN BUSINESS
DATE 5-17-93
9-07-93 8-14-93 10-16-93 5-10-93 2-08-93

FINANCIAL INSTITUTION
The Hinesville Bank Hinesville
The Hinesville Bank Hinesville
First Macon Bank & Trust
Macon
The Chattahoochee Bank Marietta
Bank of Coweta Newnan
The Bank of Newnan Newnan
First Gwinnett Bank Norcross
Fayette County Bank Peachtree City
Peach State Bank Riverdale

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

BANK OFFICE, BRANCH, OR FACILITY

Food Max Office

555 West Oglethorpe Highway

Hinesville

31313

Liberty Square Office

149 West Hendry Street

Hinesville

31313

Forsyth Road Office

4511 Forsyth Road

Macon

31210

East Cobb Banking House Office

S.E. Corner of Johnson Ferry and

Little Willeo Road

Marietta

30068

Longstreet Community Office

3132 Highway 34

Newnan

30263

Sharpsburg Office

3091 East Highway 34

Sharpsburg

30277

Peachtree Parkway Office

5450 Peachtree Parkway

Norcross

30092

Kedron Office 100 Kedron Drive Peachtree City 30269

Jonesboro Office

SW Corner, Ga Hwy 54 & 138

Jonesboro

30236

129

APPROVAL DATE
6-08-93 6-08-93 7-24-92 8-02-93
2-09-93 12-28-92 7-08-93
2-19-93 8-16-93

BEGIN BUSINESS
DATE
7-26-93 10-12-93
2-16-93
7-30-93 7-24-93

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

FINANCIAL INSTITUTION Northside Bank & Trust Company
Roswe 11
Tri-County Bank of Royston Royston
Bank of Morgan County Rutledge
Farmers and Merchants Bank of Senoia Senoia
Spivey State Bank Swainsboro
Barrow Bank & Trust Company
Winder
Southern Heritage Savings Bank Winterville

BANK OFFICE, BRANCH, OR FACILITY

Roswell Village Office

10524 Alpharetta Highway

Roswell

30076

Cook Street Office

791 Cook Street

Royston

30662

Rutledge Office

Result of main office relocation

105 Newborn Road

Rutledge

30663

Temple Avenue Office

138 Temple Avenue

Newnan

30263

Piggly Wiggly Supermarket Office #2

South Main Street

Swainsboro

30401

Ingles Supermarket Office

Georgia Highway 8 at Etheridge

Auburn

30203

Gaines School Road Office

190 Gaines School Road

Athens

30605

APPROVAL DATE
12-01-93 7-08-93 11-30-92
12-03-93 1-12-93 7-07-93 5-13-93

BEGIN BUSINESS
DATE
9-29-93 5-24-93
1-13-93 8-28-93 9-13-93

130

APPLICATIONS TO CHANGE LOCATION

FINANCIAL INSTITUTION

CHANGE LOCATION OF

APPROVAL DATE

Albany Federal Employees Credit Union Albany

Main Office

FROM 1501 S. Slappey Boulevard

Albany

31706

TO 1110 Centennial Avenue

Albany

31706

10-05-92

Security Bank and Trust Company of Albany Albany

Five Points Office to East Albany Office

FROM 2107 East Broad Avenue

Albany

31705

TO 2102 East Oglethorpe Boulevard

Albany

31705

12-14-92

American Heritage Credit Union Atlanta

Main Office

from Fulton County to Henry County

FROM 1611 Jonesboro Road, S. E.

Atlanta

30315

TO 5032 Old Grant Road

Ellenwood

30049

10-01-93

Citizens Trust Bank Atlanta

Greenbriar Kroger Store Office

to Greenbriar Office

FROM 3030 Headland Drive, S.W.

Atlanta

30331

TO 2641 Greenbriar Parkway, S.W.

Atlanta

30331

8-13-93

The Bottlers Credit Union Atlanta

Main Office from Fulton Cty to Cobb Cty

FROM 100 Galleria Parkway, N.W., Suite 7007

Atlanta

30339

TO 2110 Powers Ferry Road

Atlanta

30339

10-22-93

Trust Company Bank Atlanta

Fairburn Road Branch FROM 6157 Fairburn Road
Douglasville 30134 TO 5641 Fairburn Road
Douglasville 30134

4-21-93

131

EFFECTIVE DATE
9-13-93
6-02-93

FINANCIAL INSTITUTION
Three Rivers Credit Union Bainbridge
Etowah Bank Canton
Rome Kraft Employees Credit Union Coosa
Douglas County Bank Douglasville
Dublin Federal Employees Credit Union Dublin
Sunbelt Credit Union Griffin

APPLICATIONS TO CHANGE LOCATION

CHANGE LOCATION OF

APPROVAL DATE

Main Office

FROM U.S. Highway 27 North

Bainbridge

31717

TO 1/4 mile North on U.S. Highway 27 North

Bainbridge

31717

2-17-93

Hiram Office

FROM Highway 278 at Highway 92

Hiram

30141

TO 2216 Atlanta Highway

Hiram

30141

3-26-93

Main Office

FROM 4590-B Alabama Highway

Coosa

30129

TO Two lots west on Alabama Highway

Coosa

30129

7-30-92

Main Office

FROM 5641 Fairburn Road

Douglasville

30134

TO 6157 Fairburn Road

Douglasville 30134

4-22-93

Downtown Office

FROM 204 West Jackson Street

Dublin

31021

TO 101 North Jefferson Street

Dublin

31021

3-03-93

Main Office

FROM 605 West Solomon Street

Griffin

30223

TO 8307 Dunwoody Place

Atlanta

30350

3-19-93

132

EFFECTIVE DATE
8-02-93 11-08-93
6-01-93 4-05-93 3-23-93

FINANCIAL INSTITUTION
The Bank of Gwinnett County Lawrenceville
The Bank of Gwinnett County Lawrenceville
Bank of Lenox Lenox
The Pembroke State Bank Pembroke
Monogram Credit Card Bank of Georgia Roswe 11
Bank of Morgan County Rutledge

APPLICATIONS TO CHANGE LOCATION

CHANGE LOCATION OF

Killian Hill Office

FROM 1010 Killian Hill Road

Lilburn

30247

TO 4700 U.S. Highway 29

Lilburn

30247

Snellville Office

FROM 2168 Scenic Highway

Snellville

30278

TO 2230 Scenic Highway

Snellville

30278

Adel Facility to Adel Office

FROM 104 W. 1st Street

Adel

.

31620

TO 607 W. 4th Street

Adel

31620

Richmond Hill Office FROM U.S. Highway 17 S.
Richmond Hill 31324 TO 1 West Ford Avenue
Richmond Hill 31324

Main Office

FROM 1000 Holcomb Woods Parkway, Suite 230

Roswell

30076

TO 7840 Roswell Road, Building 100

Atlanta

30350

Main Office

FROM 105 Newborn Road

Rutledge

30663

TO 1460 Eatonton Road

Madison

30650

APPROVAL DATE
10-13-93 8-02-93 7-08-92 9-17-93 6-15-93 11-30-92

133

EFFECTIVE DATE
9-24-93 1-02-93
6-28-93 5-24-93

APPLICATIONS TO CHANGE LOCATION

FINANCIAL INSTITUTION The Bank of Worth Sylvester
Allied Bank of Georgia Thomson
Wright Manufacturing Employees Credit Union Toccoa

CHANGE LOCATION OF

Main Office
FROM 402 w. Franklin Street

Sylvester

31791

TO 601 N. Main Street

Sylvester

31791

Grovetown FROM 305

wO.ffRicoebinson

Avenue

Grovetown

30813

TO 101 w. Robinson Avenue

Grovetown

30813

Main Office
FROM 626 w. Currahee Street

Toccoa

30577

TO 209A W. Savannah Street

Toccoa

30577

COMPANY NAME

Francheque, S.A. Paris, France

75016

Thomas Cook Australia PTY Ltd.

S. Melbourne AUS

03205

Integrated Payment Systems Inc.

Englewood

CO 30111

APPLICATIONS FOR SALE OF CHECKS OR MONEY ORDERS (O.C.G.A. 7-1-683)
134

APPROVAL DATE
6-29-92

EFFECTIVE DATE
5-03-93

4-28-93

6-21-93

7-27-93

8-23-93

APPROVAL DATE
11-08-93
11-08-93
12-29-93

PREVIOUS NAME
Georgia Department of Human Resources Credit Union
Atlanta
The Peoples Bank Colquitt
HomeTrust Bank of Georgia Gainesville
Patchogue-Plymouth Employees Credit Association
Hazlehurst
Kennestone Regional Credit Union Marietta
First Columbia Bank Martinez
Founders Guaranty Bank McDonough
Central Gwinnett Bank Norcross
Central Gwinnett Bank & Paces Bank & Trust
Norcross/Atlanta
Wright Manufacturing Employees Credit Union Toccoa
Southside Bank & Trust Company
Union City

NOTICE OF CHANGE IN NAME
NEW NAME
Human Services Employees' Credit Union

APPROVAL

EFFECTIVE

- -----=.D::..:...:Ac.:....T=-E -----=D:.:_:A-'-'TE=---

3-19-93

3-23-93

Peoples Community Bank Trust Company Bank of North Georgia Jeff Davis Credit Union

10-14-93 12-28-92 3-19-93

10-19-93 1-01-93 3-23-93

Northwest Georgia Health System Credit Union 10-20-93

Georgia Bank & Trust Company
of Columbia County
First Community Bank of Henry County

12-28-92 4-02-93

First Capital Bank

7-09-93

First Capital Bank

7-09-93

The Wright Credit Union

10-08-93

Southern Crescent Bank

11-12-93

10-26-93 1-01-93 4-06-93 7-31-93 8-12-93 10-18-93 11-12-93

135

APPLICATIONS FOR RESERVATION OF A NAME

PROPOSED NAME

COUNTY

APPLICANT

Southern Crescent Bank (proposed name change)

Clayton/Fulton

Mr. David M. Calhoun

Long, Aldridge & Norman

303 Peachtree Street

Suite 5300

Atlanta

30308

Northwest Georgia Health System Credit Union (proposed name change)

Cobb

Mr. Don Rackley

President

Kennestone Regional Credit Union

P.O. Box 3237

Marietta

30061

Farmers and Merchants Community Bank (name change)

Coweta

Ms. Rebecca L. Cook

Farmers and Merchants Bk of Senoia

8180 East Highway 16

Senoia

30276

Central Bank & Trust
(proposed name change)

Crisp

Mr. James J. McAlpin, Jr.

Powell, Goldstein, Frazer & Murphy

191 Peachtree Street

Atlanta

30303

Human Services Employees Credit Union (proposed name change)

DeKalb

Ms. R. Elaine Robbins, President

Georgia Department of Human

Resources Credit Union

P.O. Box 8838

Atlanta

30306

Gilmer County Bank (proposed bank)

Gilmer

Mr. Robert M. Moler

Financial Solutions

2945 Flowers Road South, Suite 147

Atlanta

30341

First Capital Bank (proposed name change)

Gwinnett
136

Ms. Kathryn L. Knudson

Powell, Goldstein, Frazer & Murphy

191 Peachtree Street

16th Floor

Atlanta

30303

PROPOSED NAME
Peoples Community Bank (proposed name change)
Regions Bank (proposed name change)
Regions Bank of Georgia (proposed name change)
The Wright Credit Union (proposed name change)

APPLICATIONS FOR RESERVATION OF A NAME

COUNTY

APPLICANT

Miller

Mr. Rickey E. Stuckey

President

The Peoples Bank

203 Crawford Street

Colquitt

31737

Muscogee

Mr. R. E. Steiner III

First Alabama Bank Building

8 Commerce Street

Montgomery

36104

Muscogee Stephens

Mr. R. E. Steiner III

First Alabama Bank Building

8 Commerce Street

Montgomery

36104

Ms. Linda G. Pitts

President/Manager

Wright Manufacturing Employees CU

P.O. Box 238

Toccoa

30577

137

MISCELLANEOUS APPLICATIONS

NAME OF BANK
Union County Bank Union County Bank United Banking Company Frederica Bank & Trust DeKalb State Bank Woodbury Banking Company

LOCATION
Blairsville Blairsville Nashville St. Simons Island Tucker Woodbury

NATURE OF APPLICATION
Grant Trust Powers Exercise Limited Fiduciary Powers Directors Liability Rescission of Limited Fiduciary Powers Directors Liability Directors Liability

APPROVED
7-19-93 8-04-93 6-25-93 6-04-93 8-30-93 5-18-93

STATE-CHARTERED BANKS IN LIQUIDATION

NAME OF BANK

LOCATION

DATE CLOSE

DEPOSITORY

The Citizens Bank, Dallas, Georgia

Dallas

1-10-92

NA

Unpaid Claims due FDIC ................................................................ $38,958,438.90
s Estimated Value of Remaining Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4.683.069.00

First Community Bank of Cherokee

Woodstock

3-31-92

NA

s Unpaid Claims due FDIC ................................................................ $31.341.351.39
Estimated Value of Remaining Assets . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5,299.275.00

138

1993 LEGAL HOLIDAYS

January 1

New Year's Day

January 19 ..................................................... Martin Luther King, Jr's Birthday

January 19 ........................................................... Robert E. Lee's Birthday

February 22 ......... (Observed Third Monday in February) . . . . . . . . . . . . . George Washington's Birthday

April 26 ........................................................... Confederate Memorial Day

May 30 . . . . . . . . . . . . (Observed Last Monday in May) . . . . . . . . . . . . . . . . . . . . . . . National Memorial Day

July 4 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Independence Day

First Monday In September . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Labor Day

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

November 11 ................................................................. Veterans Day

Fourth Thursday in November . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Thanksgiving Day

December 25 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Christmas Day

Whenever a public and legal holiday occurred on a Saturday, the preceding Friday was observed as a public holiday. Whenever a public and legal holiday occurred on a Sunday, the following Monday was observed as a public c:1d legal holiday.

State Government Offices closed the 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. Financial Institutions may close on these days in addition to the listed Legal Holidays.

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