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May 5, 1997 Mr. Henry S. Bishop President and Chief Executive Officer First Georgia Holding, Inc. 1703 Gloucester Street Brunswick, GA 31520 Dear Mr. Bishop: This is to confirm that the client-auditor relationship between First Georgia Holding, Inc. And KPMG Peat Marwick LLP has ceased. Very truly yours, KPMG PEAT MARWICK LLP --------------------- CC: Chief Account Securities and Exchange Commission
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