SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13G
(Rule 13d - 102)
INFORMATION TO BE INCLUDED IN STATEMENTS FILED
PURSUANT TO RULES 13d-1(b) AND (c) AND AMENDMENTS
THERETO FILED PURSUANT TO 13d-2(B)
(Amendment No. 4)*
First Cherokee Bancshares, Inc.
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(Name of Issuer)
Common Stock
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(Title of Class of Securities)
319-45P-107
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(CUSIP Number)
November 19, 1999
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(Date of Event Which Requires Filing of this Statement)
Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:
|_| Rule 13d-1(b)
|x| Rule 13d-1(c)
|_| Rule 13d-1(d)
1/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 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).
<PAGE>
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1 NAME OF REPORTING PERSON
S.S. OR I.R.S. IDENTIFICATION NO. OF ABOVE PERSON
Dennis M. Lord
Social Security Number: ###-##-####
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2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) |_|
(b) |_|
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3 SEC USE ONLY
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4 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
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NUMBER OF 5 SOLE VOTING POWER
SHARES 17,620
BENEFICIALLY
OWNED BY
EACH
REPORTING
PERSON
WITH
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6 SHARED VOTING POWER
19,360
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7 SOLE DISPOSITIVE POWER
17,620
---------------------------------------------------
8 SHARED DISPOSITIVE POWER
19,360
- --------------------------------------------------------------------------------
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
36,980
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10 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES |_|
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11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
5.0%
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12 TYPE OF REPORTING PERSON
IN
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<PAGE>
Item 1(a). Name of Issuer:
First Cherokee Bancshares, Inc.
Item 1(b). Address of Issuer's Principal Executive Offices:
9860 Highway 92
Woodstock, Ga. 30188
Item 2(a). Name of Person Filing:
Dennis M. Lord
Item 2(b). Address of Principal Business Office or, if None, Residence:
3155 Trickum Rd.
Woodstock, Ga. 30188
Item 2(c). Citizenship:
United States
Item 2(d). Title of Class of Securities:
Common Stock, $1.00 Par Value
Item 2(e). CUSIP Number:
319-45P-107
Item 3. If this statement is filed pursuant to Rules 13d-1(b), or 13d-2(b),
check whether the person filing is:
Inapplicable
If this statement is filed pursuant to Rule 13d-1(c), check here. ____
Item 4. Ownership:
(a) Amount beneficially owned: 36,980
(b) Percent of class: 5.0%
(c) Number of shares as to which such person has
(i) sole power to vote or direct the vote: 17,620
(ii) shared power to vote or direct the vote: 19,360
(iii) sole power to dispose or to direct the disposition of:
17,620
(iv) shared power to dispose or direct the disposition of:
19,360
Item 5. Ownership of Five Percent or Less of a Class:
If this statement is being filed to report the fact that as of the
date hereof the reporting person has ceased to be the beneficial
ownerof more than five percent of the class of securities, check the
following [x]
<PAGE>
Item 6. Ownership of More than Five Percent on Behalf of Another Person:
Inapplicable
Item 7. Identification and Classification of the Subsidiary Which
Acquired the Security Being Reported on by the Parent Holding Company:
Inapplicable
Item 8. Identification and Classification of the Members of the Group:
Inapplicable
Item 9. Notice of Dissolution of Group:
Inapplicable
Item 10. Certification:
By signing below I certify that, to the best of my knowledge and
belief, the securities referred to above were not acquired and are not held for
the purpose of or with the effect of changing or influencing the control of the
issuer of the securities and were not acquired and are not held in connection
with or as a participant in any transaction having that purpose or effect.
SIGNATURE
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.
Date: February 11, 2000
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Signature: /s/dennis m. lord
Name: Dennis M. Lord
