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          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>307 FLINT AVENUE</AddressLine1Txt>
            <AddressLine2Txt>ATT VIRGINIA GRIFFIN</AddressLine2Txt>
            <CityNm>ALBANY</CityNm>
            <StateAbbreviationCd>GA</StateAbbreviationCd>
            <ZIPCd>31701</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>NONE</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>CHARITABLE CONTRIBUTION</GrantOrContributionPurposeTxt>
          <Amt>5000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>BARNEY'S RUN</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>P O BOX 70111</AddressLine1Txt>
            <AddressLine2Txt>ST PAUL EPISCOPAL CHURCH</AddressLine2Txt>
            <CityNm>ALBANY</CityNm>
            <StateAbbreviationCd>GA</StateAbbreviationCd>
            <ZIPCd>31709</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>NONE</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>CHARITABLE CONTRIBUTION</GrantOrContributionPurposeTxt>
          <Amt>2500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>GRACEWAY</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>411 TIFT AVENUE</AddressLine1Txt>
            <CityNm>ALBANY</CityNm>
            <StateAbbreviationCd>GA</StateAbbreviationCd>
            <ZIPCd>31701</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <GrantOrContributionPurposeTxt>CHARITABLE CONTRIBUTION</GrantOrContributionPurposeTxt>
          <Amt>7500</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>SALLY WETHERBEE ADOPTION CTR</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>2223 DAWSON RD</AddressLine1Txt>
            <CityNm>ALBANY</CityNm>
            <StateAbbreviationCd>GA</StateAbbreviationCd>
            <ZIPCd>31707</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>NONE</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>CHARITABLE CONTRIBUTION</GrantOrContributionPurposeTxt>
          <Amt>10000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>SOUTH GEORGIA COUNCIL BSA INC</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>1841 NORMAN DRIVE</AddressLine1Txt>
            <AddressLine2Txt>ATT SAM MCCORD</AddressLine2Txt>
            <CityNm>VALDOSTA</CityNm>
            <StateAbbreviationCd>GA</StateAbbreviationCd>
            <ZIPCd>31601</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>NONE</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>CHARITABLE CONTRIBUTION</GrantOrContributionPurposeTxt>
          <Amt>6000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>WILSON HOSPICE HOUSE</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>320 FOUNDATION LANE</AddressLine1Txt>
            <AddressLine2Txt>J STEPHENS PHOEBE HEALTH</AddressLine2Txt>
            <CityNm>ALBANY</CityNm>
            <StateAbbreviationCd>GA</StateAbbreviationCd>
            <ZIPCd>31707</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>NONE</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>CHARITABLE CONTRIBUTION</GrantOrContributionPurposeTxt>
          <Amt>6000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <GrantOrContributionPdDurYrGrp>
          <RecipientBusinessName>
            <BusinessNameLine1Txt>FAMILY CONNECTION OF TURNER COUNTY</BusinessNameLine1Txt>
          </RecipientBusinessName>
          <RecipientUSAddress>
            <AddressLine1Txt>705 HUDSON AVE</AddressLine1Txt>
            <AddressLine2Txt>BEVERLY NORTH</AddressLine2Txt>
            <CityNm>ASHBURN</CityNm>
            <StateAbbreviationCd>GA</StateAbbreviationCd>
            <ZIPCd>31714</ZIPCd>
          </RecipientUSAddress>
          <RecipientRelationshipTxt>NONE</RecipientRelationshipTxt>
          <RecipientFoundationStatusTxt>NONE</RecipientFoundationStatusTxt>
          <GrantOrContributionPurposeTxt>CHARITABLE CONTRIBUTION</GrantOrContributionPurposeTxt>
          <Amt>20000</Amt>
        </GrantOrContributionPdDurYrGrp>
        <TotalGrantOrContriPdDurYrAmt>75000</TotalGrantOrContriPdDurYrAmt>
      </SupplementaryInformationGrp>
      <AnalysisIncomeProducingActyGrp>
        <IntOnSavAndTempCashInvstGrp>
          <RelatedOrExemptFunctionIncmAmt>26381</RelatedOrExemptFunctionIncmAmt>
        </IntOnSavAndTempCashInvstGrp>
        <DivAndIntFromSecPartVIIGrp>
          <RelatedOrExemptFunctionIncmAmt>31806</RelatedOrExemptFunctionIncmAmt>
        </DivAndIntFromSecPartVIIGrp>
        <GainSalesAstOthThanInvntryGrp>
          <RelatedOrExemptFunctionIncmAmt>47664</RelatedOrExemptFunctionIncmAmt>
        </GainSalesAstOthThanInvntryGrp>
        <SubtotalsIncmProducingActyGrp>
          <RelatedOrExemptFunctionIncmAmt>105851</RelatedOrExemptFunctionIncmAmt>
        </SubtotalsIncmProducingActyGrp>
        <TotalIncomeProducingActyAmt>105851</TotalIncomeProducingActyAmt>
      </AnalysisIncomeProducingActyGrp>
      <TrnsfrTransRlnNonchrtblEOGrp>
        <TrnsfrOfCashToNonchrtblEOInd>false</TrnsfrOfCashToNonchrtblEOInd>
        <TrnsfrOtherAssetNonchrtblEOInd>false</TrnsfrOtherAssetNonchrtblEOInd>
        <SalesOrExchangesOfAssetsInd>false</SalesOrExchangesOfAssetsInd>
        <PurchaseOfAssetsNonchrtblEOInd>false</PurchaseOfAssetsNonchrtblEOInd>
        <RentalOfFacilitiesOthAssetsInd>false</RentalOfFacilitiesOthAssetsInd>
        <ReimbursementArrangementsInd>false</ReimbursementArrangementsInd>
        <LoansOrLoanGuaranteesInd>false</LoansOrLoanGuaranteesInd>
        <PerformanceOfServicesEtcInd>false</PerformanceOfServicesEtcInd>
        <SharingOfFacilitiesEtcInd>false</SharingOfFacilitiesEtcInd>
        <RelationshipsNonchrtblEOInd>false</RelationshipsNonchrtblEOInd>
      </TrnsfrTransRlnNonchrtblEOGrp>
    </IRS990PF>
    <AccountingFeesSchedule documentId="RetDoc2">
      <AccountingFeesDetail>
        <CategoryTxt>TAX PREPARATION</CategoryTxt>
        <Amt>1372</Amt>
        <NetInvestmentIncomeAmt>1372</NetInvestmentIncomeAmt>
      </AccountingFeesDetail>
    </AccountingFeesSchedule>
    <GainLossSaleOtherAssetsSch documentId="RetDoc3">
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>REGIONS BANK</AssetDesc>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <GrossSalesPriceAmt>72523</GrossSalesPriceAmt>
        <BasisAmt>68748</BasisAmt>
        <TotalNetAmt>3775</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>REGIONS BANK</AssetDesc>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <GrossSalesPriceAmt>57612</GrossSalesPriceAmt>
        <BasisAmt>57735</BasisAmt>
        <TotalNetAmt>-123</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>REGIONS BANK</AssetDesc>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <GrossSalesPriceAmt>391008</GrossSalesPriceAmt>
        <BasisAmt>371347</BasisAmt>
        <TotalNetAmt>19661</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
      <GainLossSaleOtherAssetGrp>
        <AssetDesc>REGIONS BANK</AssetDesc>
        <HowAcquiredTxt>PURCHASE</HowAcquiredTxt>
        <GrossSalesPriceAmt>17035</GrossSalesPriceAmt>
        <BasisAmt>14145</BasisAmt>
        <TotalNetAmt>2890</TotalNetAmt>
      </GainLossSaleOtherAssetGrp>
    </GainLossSaleOtherAssetsSch>
    <InvestmentsCorpBondsSchedule documentId="RetDoc4">
      <InvestmentsCorporateBondsGrp>
        <BondNm>CORPORATE BONDS</BondNm>
        <EOYBookValueAmt>326680</EOYBookValueAmt>
        <EOYFMVAmt>337116</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
      <InvestmentsCorporateBondsGrp>
        <BondNm>MORTGAGE BACKED SECURITIES</BondNm>
        <EOYBookValueAmt>330606</EOYBookValueAmt>
        <EOYFMVAmt>340218</EOYFMVAmt>
      </InvestmentsCorporateBondsGrp>
    </InvestmentsCorpBondsSchedule>
    <InvestmentsCorpStockSchedule documentId="RetDoc5">
      <InvestmentsCorporateStockGrp>
        <StockNm>COMMON STOCK</StockNm>
        <EOYBookValueAmt>420600</EOYBookValueAmt>
        <EOYFMVAmt>603145</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>CORPORATE STOCK</StockNm>
        <EOYBookValueAmt>238949</EOYBookValueAmt>
        <EOYFMVAmt>249211</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>MUTUAL FUNDS</StockNm>
        <EOYBookValueAmt>367170</EOYBookValueAmt>
        <EOYFMVAmt>386357</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>MUTUAL FUNDS INTERNATIONAL</StockNm>
        <EOYBookValueAmt>168865</EOYBookValueAmt>
        <EOYFMVAmt>190320</EOYFMVAmt>
      </InvestmentsCorporateStockGrp>
      <InvestmentsCorporateStockGrp>
        <StockNm>FOREIGN STOCK</StockNm>
      </InvestmentsCorporateStockGrp>
    </InvestmentsCorpStockSchedule>
    <InvestmentsGovtObligationsSch documentId="RetDoc6">
      <USGovtObligationsBookVlEOYAmt>150394</USGovtObligationsBookVlEOYAmt>
      <USGovtObligationsEOYFMVAmt>161723</USGovtObligationsEOYFMVAmt>
    </InvestmentsGovtObligationsSch>
    <OtherAssetsSchedule documentId="RetDoc7">
      <OtherAssetsScheduleGrp>
        <Desc>MISCELLANEOUS</Desc>
        <BOYBookValueAmt>18638</BOYBookValueAmt>
        <EOYBookValueAmt>18638</EOYBookValueAmt>
      </OtherAssetsScheduleGrp>
    </OtherAssetsSchedule>
    <OtherIncreasesSchedule documentId="RetDoc8">
      <OtherIncreasesDetail>
        <Desc>ACCOUNTING DIFFERENCES</Desc>
        <Amt>566</Amt>
      </OtherIncreasesDetail>
    </OtherIncreasesSchedule>
    <OtherProfessionalFeesSchedule documentId="RetDoc9">
      <OtherProfessionalFeesDetail>
        <CategoryTxt>LEGAL FEES</CategoryTxt>
        <Amt>6884</Amt>
        <NetInvestmentIncomeAmt>6884</NetInvestmentIncomeAmt>
      </OtherProfessionalFeesDetail>
      <OtherProfessionalFeesDetail>
        <CategoryTxt>TRUSTEE FEES</CategoryTxt>
        <Amt>14727</Amt>
        <NetInvestmentIncomeAmt>14727</NetInvestmentIncomeAmt>
      </OtherProfessionalFeesDetail>
      <OtherProfessionalFeesDetail>
        <CategoryTxt>CUSTODIAN MANAGEMENT FEES</CategoryTxt>
        <Amt>12767</Amt>
        <NetInvestmentIncomeAmt>12767</NetInvestmentIncomeAmt>
      </OtherProfessionalFeesDetail>
    </OtherProfessionalFeesSchedule>
    <TaxesSchedule documentId="RetDoc10">
      <TaxesDetail>
        <CategoryTxt>TAXES INCOME</CategoryTxt>
        <Amt>1542</Amt>
        <DisbursementsCharitablePrpsAmt>1542</DisbursementsCharitablePrpsAmt>
      </TaxesDetail>
      <TaxesDetail>
        <CategoryTxt>TAXES FOREIGN</CategoryTxt>
        <Amt>787</Amt>
        <NetInvestmentIncomeAmt>787</NetInvestmentIncomeAmt>
      </TaxesDetail>
    </TaxesSchedule>
  </ReturnData>
</Return>