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NBG Bancorp, Inc.
P.O. Box 6507, Athens, GA 30604 * (706) 335-3122
Business Description The company is a bank holding company for The National Bank of Georgia, Athens, Georgia. The bank will operate as a community bank emphasizing prompt, personalized customer service to the individuals and businesses located in Athens, Georgia, including Clarke County, and a portion of adjacent Oconee County, including the City of Watkinsville.
Filing
Information

Not yet
public

To Trade As  - - (OTC) Industry  Financial (SIC 6712)
Type of Stock Offered Common Shares Filing Date  09/24/1999
Domestic Shares Filed 800,000 Filing Price  $10.00
Foreign Shares Filed  0 Offering Amount  $8,000,000
Company Shares  800,000 Est. Expenses  - -
Selling Shrhldrs Shares  0 Post-IPO Shares  - -
Primary
Underwriting
Group
Underwriter NameParticipationUnderwriter Phone
Non Underwritten Offering Lead Manager  
Income
Statement
and
Cash Flow
Summary
  Prior
Audited
Income
Latest
Unaudited
Income
  Full Year Audited Figures 5 Months Ending
Figures in U.S. millions except per share data             08/31/1999
Revenues   - - - - - - -
Income from Oper.   - - - - - - -
Net Income   - - - - - - -0.043
E.P.S   - - - - - - -
Revenue Growth (%)      - - - -   -
Net Income Growth (%)      - - - -   -
Oper. Profit Margin (%)    - - - - - - -
Net Profit Margin (%)    - - - - - - -
Cash Flow - Oper.     - - -0.01
Cash Flow - Inv.     - - -0.01
Cash Flow - Fin.     - - 0.03
Balance Sheet
Summary
and
Financial
Ratios
Balance sheet as of: 08/31/1999 Financial Ratios
Total Assets    0.01 Current Assets    - Current Ratio    -
Total Liab.    0.06 Current Liab.    - Debt Ratio    429.41%
Total Equity    -0.04 Working Cap.    - Debt to Equity Ratio    -
Cash    0.00    Return on Assets   -
Use Of
Proceeds
The proceeds from the proposed offering will be used to capitalize NBG, to pay organization, offering and pre-opening expenses, to improve NBG's main office and to provide working capital for NBG, including making loans and other improvements.
Legal Counsel
Registrar
Auditor
Issuer's Law Firm  Troutman Sanders LLP, of Atlanta, Georgia
Auditor  Mauldin & Jenkins
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Last updated: 09/29/1999 3:51:55 AM
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