SMITH, GAMBRELL & RUSSELL, LLP LETTERHEAD] DAVID W. SANTI (404) 815-3739 E-MAIL: DSANTI@sgratl.com December 10, 1997 Citizens Bancshares Corporation 175 John Wesley Dobbs Avenue, N.E. Atlanta, Georgia 30303 First Southern Bancshares, Inc. 2727 Panola...Merger Agreement • December 12th, 1997 • Citizens Bancshares Corp /Ga/ • State commercial banks
