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•   Community banks focus attention on the needs of local families, businesses and farmers. Conversely, many of the nation’s megabanks are structured to place a priority on serving large corporations.

•   Unlike many larger banks that may take deposits in one state and lend in others, community banks channel most of their loans to the neighborhoods where their depositors live and work, helping to keep local communities vibrant and growing.

•   Community bank officers are generally accessible to their customers on-site. CEOs at megabanks are often headquartered in office suites, away from daily customers dealings.

•   Community bank officers are typically deeply involved in local community affairs, while large-bank officers are likely to be detached physically and emotionally from the communities where their branches are located.

•   Many community banks are willing to consider character, family history and discretionary spending in making loans. Megabanks, on the other hand, often apply impersonal qualification criteria, such as credit scoring, to all loan decisions without regard to individual circumstances.

•   Community banks offer nimble decision-making on business loans because decisions are made locally. Megabanks must often convene loan-approval committees in another state.

•   Because community banks are themselves small businesses, they understand the needs of small-business owners. Their core concern is lending to small businesses and farms. The core concern of the mega banks is corporate America.




If you need to access our account without a computer, it is as easy as your telephone. Touchtone Access (706-647-9111) gives you current account information, the ability to transfer funds between accounts and a new feature that will allow you to report your debit card as LOST or STOLEN during NON-BANKING HOURS. This is a free service and available 24 hours a day, 7 days a week! Come by any of our offices or call (706) 647-8951 for more details on how to sign up.


Another helpful telephone service we offer is our Weatherphone (706) 647-7000. The time, temperature and weather service is available 24 hours a day, seven days a week. Be prepared for any type of weather before heading out for the day.

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