MERIT HOLDING CORP /GA
15-15D, 1999-09-30
NATIONAL COMMERCIAL BANKS
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549

                                     FORM 15

CERTIFICATION  AND NOTICE OF TERMINATION OF REGISTRATION  UNDER SECTION 12(g) OF
THE SECURITIES  EXCHANGE ACT OF 1934 OR SUSPENSION OF DUTY TO FILE REPORTS UNDER
SECTIONS 13 and 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934.

                                                Commission File Number   0-25938

Merit Holding Corporation
- --------------------------------------------------------------------------------
         (Exact name of registrant as specified in its charter)

5100 LaVista Road, Tucker Georgia 30085 (770)491-8808
- --------------------------------------------------------------------------------
(Address,  including zip code,  and telephone  number,  including  area code, of
registrant's principal executive offices)

Common Stock, $2.50 par value
- --------------------------------------------------------------------------------
          (Title of each class of securities covered by this Form)

None
- --------------------------------------------------------------------------------
(Titles of all other classes of securities for which a duty to file reports
under section 13(a) or 15(d) remains)

Please place an X in the box(es) to designate, the appropriate rule provision(s)
relied upon to terminate or suspend the duty to file reports:

 Rule 12g-4(a)(1)(i)        |_|      Rule 12h-3(b)(1)(i)          |X|
 Rule 12g-4(a)(1)(ii)       |_|      Rule 12h-3(b)(1)(ii)         |_|
 Rule 12g-4(a)(2)(i)        |_|      Rule 12h-3(b)(2)(i)          |_|
 Rule 12g-4(a)(2)(ii)       |_|      Rule 12h-3(b)(2)(ii)         |_|
                                     Rule 15d-6                   |_|

Approximate  number of holders of record as of the certification or
notice date: None
             -----
Pursuant  to the  requirements  of the  Securities  Exchange  Act of 1934  Merit
Holding  Corporation  has caused this  certification/notice  to be signed on its
behalf by the undersigned duly authorized person.

Date: September 30, 1999                  By:  /s/Kathleen Moates
                                             -----------------------------------
                                               Kathleen Moates

                                          Its: Counsel
                                              ----------------------------------

Instruction:  This  form is  required  by Rules  12g-4,  12h-3  and 15d-6 of the
General Rules and  Regulations  under the  Securities  Exchange Act of 1934. The
registrant  shall file with the Commission three copies of Form 15, one of which
shall be manually signed.  It may be signed by an officer of the registrant,  by
counsel or by any other duly authorized person. The name and title of the person
signing the form shall be typed or printed under the signature.

acq\merit\form15.wpd





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