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. 39