COLONY BANKCORP INC
SC 13G, 1999-02-26
STATE COMMERCIAL BANKS
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                                 UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                            Washington, D.C.  20549


                                  SCHEDULE 13G



                   Under the Securities Exchange Act of 1934
                             (Amendment No._____)*


                             Colony Bankcorp, Inc.
- --------------------------------------------------------------------------------
                                (Name of Issuer)

                                 Common Stock
- --------------------------------------------------------------------------------
                         (Title of Class of Securities)

                                      N/A
                        ------------------------------
                                 (CUSIP Number)

Check the following box if a fee is being paid with this statement [ ] (A fee is
not required only if the filing person: (1) has a previous statement on file 
reporting beneficial ownership of more than five percent of the class of 
securities described in Item 1; and (2) has filed no amendment subsequent 
thereto reporting beneficial ownership of five percent or less of such class.) 
(See Rule 13d-7).

*The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.

The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act (however, see the
Notes).

SEC 1745 (3-98)
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=============================================================================== 
 

  CUSIP NO. N/A                     13G                       Page 2 of 4 Pages
           ---------

 
- ------------------------------------------------------------------------------
      NAMES OF REPORTING PERSONS.
 1    I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY).
                                                                                
                                                                               
      Curtis Summerlin      SSN ###-##-####
- ------------------------------------------------------------------------------
      CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (SEE INSTRUCTIONS)
 2                                                              (a) [_]
                                                                (b) [_]
      N/A                                           
- ------------------------------------------------------------------------------
      SEC USE ONLY
 3
 

- ------------------------------------------------------------------------------
      CITIZENSHIP OR PLACE OF ORGANIZATION
 4                                 

      United States
- ------------------------------------------------------------------------------
                          SOLE VOTING POWER
                     5                                                       
     NUMBER OF            
                          116,769 
      SHARES       -----------------------------------------------------------
                          SHARED VOTING POWER
   BENEFICIALLY      6       
                          
     OWNED BY             N/A
                   -----------------------------------------------------------
       EACH               SOLE DISPOSITIVE POWER
                     7       
    REPORTING             
                          116,769 
      PERSON       -----------------------------------------------------------
                          SHARED DISPOSITIVE POWER
       WITH          8       
                          N/A
- ------------------------------------------------------------------------------
      AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
 9                           
      116,769
- ------------------------------------------------------------------------------
      CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES CERTAIN SHARES
10    (SEE INSTRUCTIONS)
                                                                    [_]
      N/A 
- ------------------------------------------------------------------------------
      PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
11           
                                                                         
      5.27%
- ------------------------------------------------------------------------------
      TYPE OF REPORTING PERSON (SEE INSTRUCTIONS)
12           
      
      In.
- ------------------------------------------------------------------------------
                     *SEE INSTRUCTION BEFORE FILLING OUT!

                               Page 2 of ? pages

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                      Securities and Exchange Commission
                                 Schedule 13G

Item 1

     (a) Colony Bankcorp, Inc.

     (b) 115 South Grant Street
         P. O. Box 989
         Fitzgerald, Georgia 31750

Item 2

     (a) Curtis Summerlin

     (b) P. O. Box 309
         Broxton, Georgia 31519

     (c) United States Citizen

     (d) Colony Bankcorp, Inc. Common Stock

     (e) Not Applicable

Item 3.  Not Applicable

Item 4. Ownership.

     (a)  116,769

     (b)  5.27%
                         
     (c)  (i)   116,769
                         
          (ii)  Not Applicable
                         
          (iii) 116,769

          (iv)  Not Applicable


Item 5.  Not Applicable

Item 6.  Not Applicable

Item 7.  Not Applicable

Item 8.  Not Applicable

Item 9.  Not Applicable
<PAGE>
 
Item 10.  After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true, complete and 
correct.

                                        February 9, 1999
                                        -----------------------------
                                        Date

                                        /s/ Curtis Summerlin
                                        -----------------------------
                                        Signature

                                        Curtis Summerlin
                                        -----------------------------
                                        Name/Title


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