Georgia Bankers Association - The Resource that Empowers

                 October 30, 2009 

GBA to Testify Monday to U.S. House Subcommittee Meeting in Atlanta

GBA President and CEO Joe Brannen will testify on behalf of the state’s banking industry to a special field hearing Monday in Atlanta of the Domestic Policy subcommittee of the U.S. House Oversight and Government Reform Committee. Rep. Dennis Kucinich (D-OH), chairman of the subcommittee, and Lynn Westmoreland (R-GA) scheduled the meeting to learn more about banking and economic issues affecting our state. We also expect U.S. Rep. David Scott (D-GA) to participate, as well as State Sen. Vincent Fort (D-District 39).

  Joe was asked to be a part of a panel testifying about bank closures in Georgia and how the state’s troubled real-estate marketplace is affecting banks’ ability to provide credit for builders, developers and other small businesses. Other panelists testifying during GBA’s portion of the hearing will be two Atlanta-area developers and a representative of Atlanta-area community development corporations. Also on tap for discussion during the hearings will be national regulatory supervision issues, foreclosure issues and general economic conditions. We’ll report on the hearings in next week’s e-Bulletin.
GBA Submits Comments to State Bar of Georgia about Garnishments
GBA this week weighed in on a request by the State Bar of Georgia for opinions about whether the answering of certain garnishments by a non-attorney employee of the garnishee is considered an unlicensed practice of law. We don't think it is, and we wanted to make sure the members of the Bar understood that banks get numerous summons of garnishment per year and some banks report the number to be in the thousands. Based on what members tell us, the task of searching for an account is solely administrative and not legal, and is best accomplished through the operations area of a bank.   A hearing on the matter is set for Nov. 13, 2009. If you have comments you’d like to submit for the record related to this matter, we encourage you to send them to Mr. Michael Brian Terry, Chair, Unlicensed Practice of Law Standing Committee, State Bar of Georgia, Suite 100, 104 Marietta Street, N.W. Atlanta, Georgia 30303. With questions, contact Elizabeth Chandler, 404.420.2027, or Joe Brannen, 404.420.2026.
‘Too-Big-to-Fail’ Resolution Bill Unveiled in House This Week
The anticipated official draft of legislation addressing resolution of large, systemically important financial firms was unveiled this week by the House Financial Services Committee and the Treasury Department. A key component of the draft legislation would create a special Resolution Fund, paid by assessments on financial companies with more than $10 billion in assets. Costs to resolve a failing firm would be repaid first from the firm’s assets at the expense of shareholders and creditors -- and to the extent of any shortfall -- from assessments paid to the Resolution Fund.  Under the legislation’s resolution process, the Securities and Exchange Commission, Fed and the appropriate federal regulator would recommend that a firm be placed into receivership. The Treasury then would appoint the FDIC to handle the receivership and other appropriate actions. As we’ve reported, we are generally supportive of the need for a detailed and specific method for resolving failures of such large institutions. We remain concerned about and opposed to the possibility of FDIC being responsible for resolving non-banks.   It is our view that added role could divert staff and resources from FDIC's primary mission to protect insured deposits as well as potentially undermine public confidence in its ability to serve in that capacity. We’re taking a look at the details of this legislation, but here are a few other things that stand out right now. Of particular importance is that the proposed legislation preserves the thrift charter for those thrifts dedicated to mortgage lending, but it does subject thrift holding companies to supervision by the Fed to eliminate opportunities for regulatory arbitrage. Also included in the legislation is a measure that would give the Federal Reserve the power to direct any large financial holding company to sell or transfer assets, or stop certain activities if the central bank determined there could be a “threat to the safety and soundness of such company or to [U.S.] financial stability.” And a council of regulators would be established to identify the companies and activities that would be subject to specific heightened oversight. We’ll keep you posted as this legislation moves through committee and other debate. With questions, contact Joe Brannen, 404.420.2026, or Elizabeth Chandler, 404.420.2027.
Overdraft Update: Maloney Introduces Overdraft Protection Bill

U.S. Rep. Carolyn Maloney (D-NY) introduced new overdraft legislation (H.R. 3904) that would require a written opt-in for banks to enroll customers in overdraft protection programs, limit overdraft fees to one per month and six per year, and require fees to be “proportional” to the cost of processing the overdrafts.

  The bill also would require warning customers if ATM transactions would result in overdrafts and require institutions to post transactions “in such a manner that the consumer does not incur avoidable overdraft coverage fees.” This is a similar bill to the one we reported about last week (S. 1799) introduced by Sen. Chris Dodd (D-Conn). With questions, contact Joe Brannen, 404.420.2026, or Elizabeth Chandler, 404.420.2027.
New Regulations Create Secondary Market Guarantee for SBA 504 Mortgage Loans
The SBA this week published new regulations it says will create a secondary market guarantee program to provide greater liquidity for lenders and expand access to capital for small businesses. Funded through the American Recovery and Reinvestment Act, the new program would encourage sales into the secondary market of the “first mortgage” portion of small business financing made possible through the SBA’s 504 Certified Development Company (CDC) program.   “This new program will stimulate activity in the secondary market, ensuring lenders have a place to sell first mortgage loans on their books and in turn have liquidity to make more loans to small businesses,” SBA Administrator Karen Mills said. “This is another tool in our Recovery toolbox that will expand access to the capital small businesses need to drive economic growth and create jobs.” Please see the SBA press release for full details.
Fight Financial Fear with Facts, Education, Great Service

Here’s some interesting data if you’re looking for ways to structure your efforts to help your customers and build loyalty these days. The National Foundation for Credit Counseling (NFCC) released the following top financial fears as a play on the Halloween season. You can use the information to better understand your customers and look for ways to help them address these fears so you can be a trusted financial partner, rather than "just a bank." After all, you have expert bankers, products and resources to help customers with all of these issues.

  • Fear of foreclosure – With unemployment in Georgia hovering above 10 percent, many people remain concerned about their ability to pay their monthly mortgage bill.

  

  • Fear of opening bills – The NFCC says people walk into its member agency offices each month with grocery sacks filled with unopened bills.

  • Fear of having inadequate savings – The NFCC’s Financial Literacy Survey revealed that one-third of adults, roughly 72 million people, have no savings at all.

  • Fear of the holidays – If you’re already in debt, piling new debt on top of old is only adding to the problem.  Look for ways to help people save and prepare.

  • Fear of retirement – Whether the problem is due to lack of preparation, or the losses associated with the recent Wall Street meltdowns, not having enough money during retirement years is a scary situation.
2009 BankPAC Campaign Update
Since our last update, the following companies have contributed to the GBA StatePAC:

  • United Bank, Griffin, Jim Edwards, CEO

  • Demarest Strategy Group, Inc., Hilton Head Island, SC, Elaine Demarest, President

  • Banker's Dashboard, LLC, Stockbridge, Chris Bledsoe, CEO

  

Thank you for your support. Please see the BankPAC Update for year to date contributions by group. For more information, please contact Elizabeth Chandler at 404.420.2027. The 2009 BankPAC contribution forms can be downloaded here.
Georgia BankPAC Classic a Huge Success
Leadership GBA’s eighth-annual Georgia BankPAC Classic was a huge success with more than 60 bankers and Associate Members in attendance. The two-person scramble tournament was held on Oct. 28 at Idle Hour Country Club in Macon. “We were overwhelmed with the attendance and sponsors this year. Because of everyone’s support, we will definitely exceed our contribution goal to the StatePAC,” said Kelly Yielding, Leadership GBA President and Vice President at McIntosh State Bank in Jackson.   GBA BankPAC Chairman George Butler, President and CEO of The First National Bank of Barnesville, said, “Increased participation in the BankPAC is a major goal of the Association, especially now. Leadership GBA had definitely played a key role in our success and we appreciate everything they do.” A special thank you to all the sponsors that helped make the tournament a success.
‘Best Ever’ Marketing Conference Featured Inspiration, Fresh Ideas, New Techniques
“The best marketing conference ever,” is how one Georgia Bank marketer described this week’s GBA marketing conference. A strong crowd of marketing experts gathered in Atlanta to get fresh ideas about how to attract new business, help their banks evolve and tap in to new interactive marketing channels. “This was a forward-looking conference full of new ideas and information sharing among peers,” said Dick Brooks, First National Bank in Griffin, who is the outgoing Marketing Committee chairman. Attendees got a treat by hearing how one Georgia company, the Warren Featherbone Company, has stayed in business for 126 years by evolving to survive. The company started by using turkey quills to make stays used for women’s corsets. That market went away in 1936 with the advent of less expensive plastics, so the company had to evolve by finding new products to make.   Gus Whalen, CEO of the company, explained how his company managed to recognize opportunity in crisis to succeed in manufacturing, agriculture, publishing, philanthropy and banking. Participants also got an in-depth look at the news and political forces shaping public perception about banking and bank products and services, and how that is forcing our messaging to evolve. The conference concluded with a three-hour examination of evolving marketing technologies and strategies such as search engine marketing, social media marketing, mobile banking and other innovations. Tim Pannell and Amber Farley of Financial Marketing Solutions led that session, of which one attendee said, “We could have spent the whole conference on this!” Special thanks to Dick and the entire Marketing Committee for such a strong program.
Reminder: Save on Georgia Banking School, Early Registration Underway for Class of 2012 
Take advantage of the early registration rate of $1,525 by registering for the first-year class of the Georgia Banking School by Dec. 31. Tuition includes lodging, breakfasts, lunches, textbook, instruction and all class materials. The 2010 session is May 2-7.   The school provides a well-balanced curriculum featuring UGA faculty members, veteran bankers and other well-qualified industry experts and specialists. For more details or to register, please call GBA’s Marybeth Jones at 404.420.2032.
Time's Short to Register for the Loan Documentation Seminar – Nov. 3

GBA's Loan Documentation seminar is designed for loan officers, loan administrators and credit administrators at every level. Keep your records in compliance and your customers satisfied by keeping up to speed with the basics of loan documentation. This one-day seminar will cover how to document the condition of the collateral, the condition of the title and the condition of the borrowers and guarantors.

 

Thompson Kurrie Jr. and Harrison Coleman, partners with Coleman Talley, LLP in Atlanta, are the instructors. The seminar is Tuesday, Nov. 3, at Idle Hour Country Club in Macon. The registration fee is $225, but if you register for the Advanced Loan Documentation seminar on Dec. 9 you will receive a discounted rate of $400 for both seminars. With questions, please contact GBA’s Courtenay Pope at 404.420.2015.
Don’t Miss GBA’s Bank Robbery/Physical Security Seminar – Nov. 10

The upcoming Bank Robbery/Physical Security seminar is a stand-alone event as well as Session 1 of GBA's popular Bank Security Academy. This one-day continuing education workshop is devoted to security topics of most concern to financial institutions. Topics to be covered are:

  • Bank Robbery: Robbery trends, robbery response before, during & after a bank robbery and the Employee Assistance Program

  • Physical Security:  Alarms & cameras, vaults & safes, card access, biometrics, bandit barriers & dye packs, ATMs (lighting & landscaping) and facility risk assessment will be covered

  

  • Employee Safety:  Developing a workplace non-violence program, identifying threats and dealing with problem employees and customers, plus much more.

The presenter will be Charles Williams of Marketing Advertising Consulting Services out of Eastman. Click here for more details about the Academy and start earning your certificate of graduation. For more information or to register, please call Courtenay Pope at 404.420.2015.
Last Chance to sign up for Bankruptcy, Garnishments, Liens and Levies Seminar Nov. 10
Designed for collection officers, compliance officers and operation officers, this one-day seminar will address the changes and modifications in federal bankruptcy law as well as other changes and developments in the area of liens, levies and garnishments. Bankruptcy, Garnishments, Liens and Levies seminar is scheduled for Tuesday, Nov.10, at the Idle Hour Country Club in Macon.   The registration fee is $225 for members and the instructor is Gary Moser with Moser, Rose & Cox, Valdosta. With questions or to register, please call GBA’s Courtenay Pope at 404.420.2015.
Advanced Consumer Lending Seminar – Nov. 17

This seminar is designed for lenders with one year of experience in consumer lending. This advanced class will tackle more complicated credits that require an analysis of the customer’s cash position from tax returns.  Participants will review tax returns from applicants who are self-employed to help identify their true cash position and their true income.

  Sign up now for the Advanced Consumer Lending seminar on Nov. 17 at Idle Hour Country Club in Macon. With questions, please call GBA’s Courtenay Pope at 404.420.2015.
401(k) Retirement Plan Administration & Investments Seminar– Nov. 17 & 18
The annual GBA Retirement Services 401(k) Administration & Investment Seminar will be held in two sessions again this year to accommodate more bankers from across the state. The dates and locations are at the GBA office in Atlanta on Tuesday,     Nov. 17, or at Idle Hour Country Club in Macon on Wednesday, Nov. 18. Investment review, 401(k) testing, year-end census submission, administration procedures and legal updates will be covered.   The seminar is also a great opportunity to meet the GBA Retirement Services staff and providers who work so closely with the 401(k) Trust member banks.  The programs offered through GBA Retirement Services provide flexibility to meet the needs of any bank or associate member who may be looking to add or change their qualified retirement plan. For more information, contact Mandy Richards at 404.420.2025.

Managing Interest Rate Risk Highlights the AIB Schedule for November
Here are the instructor-led AIB online classes offered in November. These courses are instructor-facilitated with weekly assignments and can be taken from your home or your office. All you need is a computer, printer and Internet access. (Classes with an asterisk * require Microsoft Excel Software.) Please register two weeks in advance to secure a seat in the class.  

Please see the AIB Online Course Schedule for a complete listing or call GBA’s Alison Moreau at 404.420.2034 with questions.
Register for GBA Webinars Today – HMDA, Regulatory Exam Prep., Compliance and Others
GBA will offer the following webinars the week of Nov. 2:   All webinars are live and allow time for questions and answers. The $250 registration fee gives you access to one web site “seat,” one telephone site license and all handout materials. If you can’t attend the webinar, you may buy the audio CD, handout materials and a password to see the information online. With questions, please call GBA’s Courtenay Pope at 404.420.2015.
GBA Retirement Plans Announce Third Quarter 2009 Results
Third quarter 2009 was another great quarter for investors in the stock market. All of the LifeStylesSM” portfolios greatly exceeded their year-to-date benchmarks, and participants who stayed invested in equities and maintained a long-term investment philosophy recovered much of their losses from 2008. For GBA Retirement Plan participants, the investment returns of both investment managers, Reliance Trust Company and Atlanta Capital Management, performed well against major market indexes and other competitive funds and models. Please see the update for detailed returns. Both firms continue to focus on high-quality stocks and mutual funds to help minimize risks in the portfolios and funds. The LifeStylesSM portfolios are a great way to ensure participants are well diversified and to allow participants to make investment decisions in a simplified way. Please see the third quarter 2009 investment newsletters produced by Reliance Trust Company and Atlanta Capital Management.   Members of the GBA Master Trust have ongoing investment education for their participants through re-enrollment meetings and an enrollment DVD or online video. GBA Retirement Services, Inc. continues to focus on long-term performance and diversification as a primary objective when investing in retirement plans. The third-party 401(k) administrator for the GBA Master Trust, Alliance Benefit Group, continues to do an outstanding job providing daily 401(k) administration, timely turnaround of quarterly statements, ongoing web site features and upgrades, and annual training and education for the member banks in the Trust. Alliance Benefit Group also offers payroll services for Trust members at reduced rates. For information, call Mandy Richards at 404.420.2025.
2009 Salary Survey Complete
The completed survey has been mailed or e-mailed this week to those banks that participated in the compilation. We are very excited about this year’s survey and feel certain the information collected will be a valuable resource for you throughout the next year!   If you were unable to participate but would still like to receive a copy, contact Kenyetta Parks at 404.420.2035. The results are available in hard copy or PDF format.
Order Now: Georgia Financial Directories Supplies are Limited
The Georgia Financial Directory contains complete information about all the banks in the state and is invaluable to banking professionals. Also included are listings of Associate Members, members of the Bank Counsel Section and GBA's Strategic Partners.   Get yours today because quantities are limited. Complete the easy online order form, or for more information contact Kenyetta Parks, 404.420.2035.
Save Money with Electronic Titles
With many banks looking for ways to cut costs during this economic downturn, it’s nice to know there are companies with the foresight to provide products that can deliver immediate savings. One of the Georgia Bankers Association’s newest strategic partners, Decision Dynamics, Inc. (DDI) supplies the Premier eTitleLien™ Internet-based product for electronic liens and titles (ELT) management that not only saves you money, but reduces processing time, prevents fraud, and enhances customer service.

  • Cut Costs/Save Time
     At a recent Premier eTitleLien™ Users Group meeting, vehicle loan preparation specialists from various lenders remarked that electronic titling saves about one half of their preparation and follow-up time spent on titling activities. Hard cost savings are realized through reduced mailing costs and requests for duplicate titles. Actual savings vary, and a Cost/Benefit Analysis Model is available upon request, to help you estimate the costs savings for your bank.

  • Reduce Fraud
     Premier eTitleLien™ has a built-in “Lien Alert” system and other safeguards so lenders and consumers benefit from the reduction in fraud inherent in any paper-based process. The risk of criminals obtaining multiple fraudulent loans on titles is greatly reduced when titles are recorded and released electronically.

 

  • Enhance Customer Service
     Loan operations personnel will have a complete picture of your entire vehicle title portfolio. Rather than being overwhelmed by receipting, sorting, imaging, and filing paper titles and matching them to loans manually, they can focus on those that require attention. Electronic titling also eliminates the manual effort required to retrieve titles for release. In addition, your customers benefit by receiving a clear title issued by the state upon loan payoff which is delivered much faster than the manual approach.

  • Customer Focused
     Decision Dynamics, Inc. takes pride in delivering superior products with superb customer service. DDI is eager to be the electronic liens and titles (ELT) service provider for all GBA members.

Let Premier eTitleLien™ Help Your Bank Save Money. DDI will be happy to arrange a meeting to discuss electronic titling in more detail, as well as provide a demonstration of how Premier eTitleLien™ works. Contact Ann Gunning or Tim Snyder at 803.808.0117.
Banks Gain CRA Credit for Loans or Investment in the Senior Housing Crime Prevention Foundation
The Senior Housing Crime Prevention Foundation is a nonprofit organization based in Memphis that offers banks a measurable, no-risk, high-yielding avenue for gaining CRA credit. By making a loan or an investment with a guaranteed return, banks receive credit for Community Reinvestment Act (CRA) requirements. The foundation uses the funds to set up Senior Crimestopper programs for nursing homes and senior HUD housing units in the bank’s direct CRA assessment areas. Banks also may reposition or recycle existing bonds in their portfolios to capture the same effect, and in doing so create a new annual CRA credit from bonds in the existing portfolios. Banks may elect to invest or lend funds to the foundation and will qualify for CRA credits either way.   All dollars invested in or loaned to the foundation are fully collateralized with investment-grade bonds, which are selected with the bank’s input depending on the degree of risk it wants to take. Banks are guaranteed a return on the coupon value of the bonds minus moderate basis-points spread to cover the cost of the Crimestoppers program. For more information, please contact Lori Millar at 877.232.0859 or Levi Crabtree at 404.420.2022.
Find a Job, Post a Job with GBA Job Bank
The Georgia Bankers Association offers free job posting resources for our member banks. These listings can be viewed online or through our bi-weekly publication included in the GBA Bulletin.   Resume postings are also available. For more information, please call Kenyetta Parks at 404.420.2035.
Read All About It -- Send Us Your News

Please remember to include the Georgia Bankers Association on the list of recipients for announcements about promotions, new employees and special recognition your bank has received.

  We want to share your news with your colleagues across the state. Please forward your announcements and photos to GBA's Lydia Thomas.

Newsmakers

We Will Miss…
Otto Conn Morrison, former President and CEO of Exchange Bank and its parent company, Exchange Bankshares, Inc., in Milledgeville. Otto served as trustee of Georgia Bankers Association Retirement Services, Inc., formerly Georgia Bankers Association Pension and Profit Sharing Trust, and was also a founding director of The Bankers Bank, Atlanta.

Donald H. Norris, founding Chairman of North Georgia Bank in Watkinsville. Don had remained on the bank’s Board of Directors until his death.

Jackson - McIntosh State Bank
Brandie Deraney has been promoted to Assistant Vice President, Garrett Wild to Banking Officer, and Melinda Lewis to Assistant Banking Officer. Alicia Washington has been promoted to President of McIntosh Financial Services.

Jonesboro - Heritage Bank
Marvin “Moe” Brooks has joined the bank as Vice President.

Johns Creek - KeyWorth Bank
Chris Braun has been promoted to Senior Vice President, Commercial Lending and Kristen Phillips to Banking Officer and Accountant.

  


Norris


Braun
Brooks


Phillips

Calendar of Events
Details for November

 

Conferences

 
Dec. 3-4 Credit Conference Atlanta
Jan. 20-21 Financial Risk Management Conference Atlanta
Mar. 2-3 Operations and Technology Conference Atlanta
Mar. 17-19 HR Professionals Institute Atlanta
Apr. 13-14 Security Conference Atlanta
May 13-14 Rural Development and Lending Conference Savannah
     

Conventions/Events

 
Jan. 13 Legislative Reception Atlanta
June 13-16 Annual Convention Charleston, SC
 

Schools

 
Nov. 1-6 Southern Operations and Technology School Athens
Feb. 22-24 Southeastern School of Advanced Commercial Lending Nashville, TN
March 7-12 Southeastern School of Consumer Credit Nashville, TN
May 2-7 Georgia Banking School Athens
 

 

 
 

Seminars

 
Nov. 3 Loan Documentation Macon
Nov. 3 Lender, Know Thyself: HMDA Reporting, the Ground Floor of Fair Lending Exams Webinar
Nov. 4 Analyzing Personal Financial Statements Macon
Nov. 4 Preparing for Your Next Regulatory Exam…or rather being prepared for your next regulatory exam Webinar
Nov. 5 Opening Trust, Fiduciary and Minor Accounts--Documentation and Compliance Requirements Webinar
Nov. 5 FACT ACT - New Accuracy & Integrity Rules Webinar
Nov. 5 Professional Life Skills: Projecting an Image that Wows Webinar
Nov. 9 Opening Deposit Accounts II: Personal Accounts: Documenting Existence & Authority Webinar
Nov. 10 Bankruptcy, Garnishment, Liens & Levies Macon
Nov. 10 Bank Security Seminar:
Bank Robbery/Physical Security		 Macon
Nov. 10 Basic Cash Flow Analysis Webinar
Nov. 10 TISA (Regulation DD) Compliance Webinar
Nov. 12 Construction Lending Webinar
Nov. 12 Analyzing Financial Statements Webinar
Nov. 12 RESPA, Part 2: Understanding & Completing the New Good Faith Estimate Webinar
Nov. 16 Accounting Essentials for Bankers Webinar
Nov. 17 Advanced Consumer Lending Macon
Nov. 17 Retirement Plan Administration and Investments Seminar Atlanta
Nov. 17 Safe Deposit Compliance & Legal - 2009 Update Webinar
Nov. 17 Are You Accepting Proper Appraisals? New Regulator Attention to the Requirements Webinar
Nov. 17 STOP the Losses, START the Cross-Selling Webinar
Nov. 18 Retirement Plan Administration and Investments Seminar Macon
Nov. 19 What to Do When a Deposit Customer Dies Webinar
Nov. 19 Opening Deposit Accounts III: Fiduciary Accounts: Documenting Ownership & Authority Webinar
Nov. 20 RESPA, Part 3: Understanding & Completing the New HUD-1/1A Webinar
Dec. 3 2009 IRS Information Reporting, Part 1 Webinar
Dec. 8 Special Rules for Private Education Loans Webinar
Dec. 9 Advanced Loan Documentation Macon
Dec. 10 Collections and Recoveries Macon
Dec. 10 2009 IRS Information Reporting, Part 2 Webinar
Dec. 16 Bank Secrecy Act Compliance - A NEW ERA Macon
Dec. 17 Analyzing Commercial Financial Statements Macon
Jan. 19 Bank Security Seminar: Employee Investigations Macon
Jan. 28 Bank Security Seminar: BSA/AML Compliance Macon

Feb. 18

Bank Security Seminar: Effective Information Security Management

Macon
Mar. 11 Bank Security Seminar: Fraud Macon
   
  American Institute of Banking (AIB)  
Ongoing AIB Online Courses Online
Ongoing AIB Online - Instructor-led Online
  AIB Classroom Courses  
     
Board/Committee Meetings  
Jan. 13 GBA Board of Directors Atlanta
     
  Roundtables/Peer Groups  

Nov. 4

President/CEO Roundtable, Group 5

Macon
Nov. 5 President/CEO Roundtable, Group 4 Macon
Nov. 6 President/CEO Roundtable, Group 2 Macon
Nov. 20 President/CEO Roundtable, Group 1 Macon
 
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Georgia Bankers Association • 50 Hurt Plaza, Suite 1050, Atlanta, GA 30303 • Phone 404.522.1501 • Fax 404.522.9848 • www.gabankers.com