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Ticker:HABC
Company Name: Habersham Bancorp

Business Overview from 10-K filing for Habersham Bancorp:

Habersham Bancorp (the "Company"), a Georgia corporation, was organized on March 9, 1984. Effective December 31, 1984, the Company acquired all of the outstanding shares of common stock of Habersham Bank ("Habersham Bank"). As a result of this transaction, the former shareholders of Habersham Bank became shareholders of the Company, and Habersham Bank became the wholly-owned subsidiary of the Company. Habersham Bank has one subsidiary, Advantage Insurers, Inc., a property, casualty and life insurance agency organized in 1997. Effective June 30, 1995, the Company acquired Security Bancorp, Inc. and its subsidiary bank, Security State Bank. The Company consolidated the charters of Security State Bank and Habersham Bank in 1999. Prior to December 2002, the Company conducted mortgage banking operations through BancMortgage Financial Corp. (BancMortgage). BancMortgage was organized as a wholly-owned non-bank subsidiary of Habersham Bank in 1996.     

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