U.S. SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
Form 10-KSB/A
(Mark One)
X ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
- -------- EXCHANGE ACT OF 1934 (FEE REQUIRED)
For the fiscal year ended September 30, 1995
------------------
- -------- TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES
EXCHANGE ACT OF 1934 (NO FEE REQUIRED)
For the transition period _____________ to _____________
Commission file number: 0-16657
FIRST GEORGIA HOLDING, INC.
(Name of Small Business Issuer)
Georgia 58-1781773
(State or other jurisdiction (IRS Employer
of incorporation or organization) Identification
Number)
1703 Gloucester Street, Brunswick, GA 31521
(Address of principal executive offices)
Registrant's telephone number, including area code: (912) 267-7283
Securities registered pursuant to Section 12(b) of the Act: None
Securities registered pursuant to Section 12(g) of the Act:
Common Stock, par value $1.00
-----------------------------
Check whether the issuer (1) has filed all reports required to be filed by
section 12 or 15(d) of the Exchange Act of 1934 during the past 12
months (or for such shorter period that the registrant was required to file
such reports), and (2) has been subject to such filing requirements for
the past 60 days. Yes X No
--- ----
Check if there is no disclosure of delinquent filers in response to Item
405 of Regulation S-B contained in this form, and no disclosure will be
contained, to the best of registrant's knowledge, in definitive proxy or
information statement incorporated by reference in Part III of this Form
10-KSB or any amendment to this Form 10-K. [X]
State issuer's revenues for its most recent fiscal year $12,895,153
----------
State the aggregate market value of the voting stock held by non-affiliates of
the registrant as of December 1, 1995:
778,651 Shares of Common Stock, $1.00 par value -- $6,914,421 based
-------------------------------------------------------------------
upon approximate market value of $8.88 per share at December 1, 1995.
---------------------------------------------------------------------
State the number of shares outstanding of each of the issuer's classes of
common stock, as of December 1, 1995:
Common Stock, $1.00 par value -- 1,326,641 shares
-------------------------------------------------
DOCUMENTS INCORPORATED BY REFERENCE
Portions of the Company's Proxy Statement (the "Proxy Statement") for
the Annual Meeting of Shareholders scheduled to be held January 22,
1996 are incorporated by reference into Part I and Part III.
Portions of the Company's Annual Report (the "Annual Report") to
Shareholders for the year ended September 30, 1995 are incorporated
by reference into Part I, Part II and Part III.
<PAGE>
FIRST GEORGIA HOLDING, INC.
FORM 10-KSB
INDEX
Part I PAGE
Item 1. Business . . . . . . . . . . . . . . . . . . . 3
Item 2. Description of Properties . . . . . . . . . . . 34
Item 3. Legal Proceedings . . . . . . . . . . . . . . . 35
Item 4. Submission of Matters to a Vote of
Security Holders . . . . . . . . . . . . . . . 35
Part II
Item 5. Market for Common Equity and Related
Stockholder Matters . . . . . . . . . . . . . . 35
Item 6. Management's Discussion and Analysis or Plan
of Operation . . . . . . . . . . . . . . . . . 35
Item 7. Financial Statements . . . . . . . . . . . . . 35
Item 8. Changes in and Disagreements with Accountants
on Accounting and Financial Disclosure . . . . 35
Part III
Item 9. Directors, Executive Officers, Promoters and
Control Persons; Compliance with Section 16(a)
of the Exchange Act . . . . .. . . . . . . . . 35
Item 10. Executive Compensation . . . . . . . . . . . . 36
Item 11. Security Ownership of Certain
Beneficial Owners and Management . . . . . . . 36
Item 12. Certain Relationships and Related
Transactions . . . . . . . . . . . . . . . . . 36
Item 13. Exhibits and Reports on Form 8-K . . . . . . . 36
Signatures . . . . . . . . . . . . . . . . . . . . . . 37
Exhibit Index . . . . . . . . . . . . . . . . . . . . 39
<PAGE>
SIGNATURES
G.F. COOLIDGE III
G.F. Coolidge III Chief Financial Officer
(principal financial and
accounting officer) December 29, 1995
<PAGE>
EXHIBIT INDEX
Exhibit No. Document Sequentially Numbered
- ------------ ---------------- ---------------------
Page
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3.(i) Articles of Incorporation of First
Georgia Holding, Inc. incorporated
herein by reference to Appendix B to
the Proxy Statement and Prospectus
included in the Registration Statement
on Form S-4 (SEC No. 33-19150),
filed December 18, 1987 ("Form S-4"),
as amended on December 31, 1987
("Amendment No. 1") First Georgia
Savings Bank, F.S.B. is now known as
First Georgia Bank, F.S.B N/A
3.(ii) Amended By-Laws of First Georgia
Holding, Inc. incorporated by reference
to Exhibit 3(ii) of the Form 10-KSB for
the year ended September 30, 1994
(the "1994 10-KSB") N/A
*10.1 First Georgia Holding, Inc. 1995 Stock [Appendix A
Incentive Plan of the Proxy
Statement]
*10.2 First Georgia Holding, Inc. Employee [Appendix B
Stock Purchase Plan of the Proxy
Statement]
*10.3 Qualified 401 (k) Standardized Profit
Sharing Plan, Adoption Agreement,
First Georgia Savings Bank, F.S.B.,
incorporated herein by reference to
Exhibit 10.3 of the Form 10-K for the
year ended September 30, 1992 (the
"1992 10-K") N/A
*10.4 Qualified Retirement Plan, Basic Plan
Document, First Georgia Savings
Bank, F.S.B., incorporated herein by
reference to Exhibit 10.4 of the 1992
10-K N/A
<PAGE>
13 First Georgia Holding, Inc. 1995
Annual Report 41
21 Subsidiaries of First Georgia Holding,
Inc. incorporated by reference to
Exhibit 21.6 of the Form 10-KSB for
the year ended September 30, 1993
(the "1993 10-KSB) N/A
23 Consent of KPMG Peat Marwick LLP 42
24 A Power of Attorney is set forth on the
signature pages to this Form 10-KSB 37
27 Financial Data Schedule for the 1995
10-KSB. 43
99.1 The Company's Proxy Statement for
the Annual Meeting of Shareholders
(the "Proxy")to be held January 22,
1996, incorporated by reference to the
Proxy filed December 14, 1995. N/A
* The indicated exhibit is a compensatory plan required to be filed as an
exhibit to this Form 10-KSB.6
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<NAME> FIRST GEORGIA HOLDING, INC.
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