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Filed Pursuant to Rule 424(a)
Registration Statement No. 333-62493
SUPPLEMENT NO. 1 TO PRELIMINARY PROSPECTUS DATED OCTOBER 2, 1998
On October 12, 1998, First Bank of Georgia's new Augusta branch office,
located at 2805 Wrightsboro Road, was destroyed by fire. The office, which was
under construction at the time of the fire and had not yet been occupied by the
Bank, was fully insured by the contractor. Prior to the fire, the Bank expected
the office to open in the fourth quarter of 1998. As a result of the fire, the
Bank believes the office will open in early 1999.
This Supplement No. 1 is dated October 13, 1998.
