Common Contracts
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A N N U A L R E P O R T 2 0 0 9April 19th, 2010
Heritage Financial Group is the mid-tier holding company for HeritageBank of the South, a community-oriented bank serving primarily South Georgia and North Central Florida through 10 full-service banking offices. The Company has a pending purchase agreement that will add five additional branches in both Southeast and Southwest Georgia when it closes, as expected, in the second quarter of 2010.
