Inside - AgGeorgia

Summer 2015
Inside:
Director Connections
Rambo Nurseries:
A Blooming Business
Resilient and Agile: Keys to Success
Property for Sale
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Leader
is published quarterly for stockholders, directors
and friends of AgGeorgia Farm Credit.
PRESIDENT
Jack C. Drew, Jr.
BOARD OF DIRECTORS
Edward M. Beckham II
Jack W. Bentley, Jr.
W. Howard Brown
Billy J. Clary
Dan N. Crumpton
Guy A. Daughtrey
Howard Lawson
Ronney S. Ledford
Joseph M. Meeks
Robert G. (Bobby) Miller
Richard David (Dave) Neff
J. Dan Raines, Jr.
George R. Reeves
Anne G. Smith
David H. Smith
Glee C. Smith
Franklin B. Wright
EDITOR & SENIOR
MARKETING SPECIALIST
Rhonda Shannon
PUBLISHING DIRECTOR
Padgett Mozingo
DESIGNERS
Athina Eargle
Darren Hill
Amanda Simpson
Travis Taylor
PRINTER
Professional Printers
CIRCULATION
Kathi DeFlorio
Address changes, questions, comments or
requests for copies of our financial reports
should be directed to AgGeorgia Farm Credit by
writing P.O. Box 1820, Perry, GA 31069 or calling
800-768-FARM. Our quarterly financial report
can also be obtained on our website:
www.aggeorgia.com
Email: [email protected].
COVER PHOTO
The geranium is one of the many
plants grown by Rambo Nurseries at
their facility in Dallas, Georgia.
Table of Contents
I met David Smith in an old store building
alongside a railroad track built during
the Civil War era governorship of Joseph
Brown. Owned by the Smith family, the
renovated building now serves as a venue
for meetings of the Euharlee Farmers Club,
local Extension, and family get-togethers.
The appreciation for old-meets-new is
appropriate, as we sit and talk about …
Page 4
4 Director Connections
6 Resilient and Agile: Keys to
Success
8 Rambo Nurseries: A
Blooming Business
12 Association Accolades
14 Association News
15 Insurance Reminder
17 Property for Sale
It is safe to say that Sam Rambo loved
his grandmother. As a child, he enjoyed
spending time with her, and on most
occasions that meant working with her
in the garden. Boxwoods, azaleas and
other shrubbery seemed to spawn many
conversations and lessons for the Cobb
County native. But those enjoyable times
and memories also birthed something
unexpected: a love and appreciation for …
Page 8
Congratulations to Greg Davis, 2015 Tift
County Farmer of the Year
A 3rd generation farmer, Davis operates
1,500 acres consisting of watermelons,
peanuts, cotton and corn. He lives and
farms on land that was passed from his
grandfather to his father. Davis purchased
his first farm in 2013. …
Page 12
AGGEORGIA.3.SUMMER 2015
Director Connections
Profiles from AgGeorgia Farm Credit’s Board of Directors
Article by Rhonda Shannon, Photos by Corey Cottle and Rhonda Shannon
I met David Smith in an old store building
alongside a railroad track built during the
Civil War era governorship of Joseph Brown.
Owned by the Smith family, the renovated
building now serves as a venue for meetings of
the Euharlee Farmers Club, local Extension,
and family get-togethers. The appreciation
for old-meets-new is appropriate, as we sit
and talk about the history of the family farm,
changes and challenges in view of the massive
cooling towers of Georgia Power-owned Plant
Bowen. However, the deep roots of the Smith
family in Bartow County go back long before
the opening of Plant Bowen in 1975. All around
are examples of the generational impact the
Smith family has had on this region, from
the nearby road sign bearing an ancestor’s
name to the historical Euharlee Farmers
Club membership.
David Smith, a director for AgGeorgia
Farm Credit, has served on the board and
served the members of the cooperative since
June of 1991. Currently on the Governance
Committee, Smith has held other positions
on other committees and in various capacities
during his 24 years. A full-time farmer and
ag advocate, he and his wife Jackie have two
daughters and sons-in-law who have given
them the gift of four grandchildren. All live in
close proximity, which makes it very enjoyable
with the grandchildren and very comfortable
for David. “In 1991 Jackie and I built a home
within 500 feet of the house that I was raised
in. That home was built in the 1919.”
Mr. Smith may have never strayed far from
the place of his birth and his family roots, but
that didn’t mean he and his family weren’t
able to adapt and recognize opportunity.
David and his brothers grew up assisting
their father in smaller-scale farming, but the
family farming operation has now grown to
approximately 3,000 acres of corn, wheat,
soybeans, sunflowers and the main commodity,
cotton, spread between Bartow and Gordon
Counties. In addition, the family also operates
a cotton gin and fertilizer business. Smith
and his brothers, Claude and Tom, along with
life-long friend and mentor John Carroll, all
work together to make sure this diverse
collection of businesses operates smoothly.
David is quick to point out that it’s the joint
effort between them all that ensures their
operation runs successfully.
The relationship with Farm Credit began
in 1965 when Smith’s parents purchased land
with financing from the Federal Land Bank
in Dalton, Georgia. The land was purchased
from his mother’s relatives, the Brandons,
some of whom at the time lived as far away as
Akron, Ohio. The years that followed would
see additional land being added and in 1986,
the purchase was made of the only remaining
cotton gin in operation in Northwest Georgia
located in Cave Springs. “We moved the
operation to its current location and updated
the ginning equipment. It just made sense
to make the purchase and keep it running,”
says Smith, “since the next closest one at that
time was about 30 miles away and at present,
the next closest gin is 60 miles away.” Today,
Tri-County Gin services cotton farmers in five
counties in Georgia and two in Alabama, gins
nearly 17,700 bales and is in the third season
for ginning round bale cotton. Enhancements
are currently being considered for the 2015
ginning season that would improve efficiency
in both ginning and labor.
David Smith (far right) with brothers Tom and
Claude and John Carroll (middle) take a break in
front of the old store where the Euharlee Farmers
Club meets. Their cotton gin and fertilizer company
is in the background.
AGGEORGIA.4.SUMMER 2015
“Farming is all I’ve ever known and is what I know how to do.
Serving as a director for Farm Credit has been a good experience
for me and one that I’ve never regretted.”
In 2006, the operation expanded again
with the addition of a fertilizer business, an
opportunity that was just the right fit for the
Smith operation. Starting the business from
scratch, John Carroll took the helm, using
his approximately 40 years of experience and
knowledge in the management of a fertilizer
business. Conveniently located
near the gin and the
base for the farming
operation, Carroll
Fertilizer continues
to thrive under the
careful watch and
supervision of John
Carroll as evidenced
by the six trucks it
operates and more
than 5,000 tons of
fertilizer sold in the
2014 season.
David is also
very proud of the
Euharlee Farmers
Club, a local club
in which he is
i nvolved . The
club consists of 12
An inside look at the
farmer members
Tri-County cotton gin
who meet each
month, rotating
One of the entrances
the location and
into the Smith operation
with Plant Bowen in the
farmer-host for the
background
month. The host
gives advice or
shares experiences
concerning production practices along with
providing a meal. In existence for 135 years,
and due to the guidance and instruction its
members provide, it is thought the club is a
precursor to the extension service. The club
allows for only 12 members and currently
has 3 honorary members, with John Carroll
being a recently elected honorary member. The
Euharlee Farmers Club also hosts a famously
renowned bar-b-que held annually on the
second Friday in August, with a usual attendance of nearly 600 guests.
In the more than 41 years he’s farmed,
David Smith has seen agriculture evolve into
AGGEORGIA.5.SUMMER 2015
the progressive industry it is today. In that
same span, many personal opportunities in
processing, marketing and diversification have
arisen along with the trials of weather, volatile
prices and regulatory hurdles associated with
ag production. For 23 years, this hard-earned
experience has allowed him to represent the
member-borrowers
of AgGeorgia with
a level of empathy
that can only be
derived from a daily
walk in the boots of
a farmer. As he put
it, “Farming is all
I’ve ever known and
is what I know how
to do. Serving as a
director for Farm
Credit has been a
good experience for
me and one that I’ve
never regretted.” ❚
Resilient and Agile: Keys to Success
By Dr. David M. Kohl
A successful athlete or team must be resilient
in challenging times but also demonstrate
agility to capitalize on opportunities as
they present themselves. The same can be
said for businesses, especially in the current
volatile economic cycles with surprises
around every corner. Let’s examine a few
characteristics that will position your
business to be resilient and agile.
Record Systems
Over the years working with businesses
I have observed the successful ones often
have very sound record keeping systems,
including financial records that “talk” to the
business and managers and help them make
prudent decisions. The days of operating your
business based on tax records with the goal of
minimizing taxes are gone. A record system
that includes an up-to-date balance sheet,
projected cash flows, and an income statement
adjusted for changes in inventories, receivables,
and payables to measure true profits is a great
start. Benchmarking your business to compare
with peers pertaining to key farm financial
and management characteristics will illustrate
how it stacks up to peers and determine how
your business is positioned in the industry.
Lifestyle
The great commodity super cycle’s skyrocketing commodity prices led to increased
profits and the increase of withdrawals taken
from agricultural businesses. Businesses
that are resilient but agile will separate
business and personal expenses rather than
co-mingling them. The difference between the
Dr. Dave Kohl
Businesses that are resilient but agile will
separate business and personal expenses
rather than co-mingling them.
top spenders in agriculture and those that are
modest is often $50,000 to $80,000. This illustrates that often the biggest competition for
cash flow and business growth are the checks
written out for personal consumption. Being
resilient yet agile requires living modestly
and being able to trim the excesses, especially
during a downturn.
are high on the management radar screen. A
business should always be evolving, searching
for opportunities that align with business
resources, even in the down part of the cycle.
Remember, success in business is not doing
one thing 100 percent better or a magic silver
bullet, it is examining the business and doing
100 little things each one percent better.
Leverage and Liquidity
Advisor and Coach
A business that has sustainability but is
positioned to capitalize on opportunities
will be cognizant of financial leverage and
financial liquidity. These two factors often go
hand-in-hand. The more debt a business incurs,
the higher the level of financial liquidity is
needed as a shock absorber. Excessive financial
leverage without working capital that can be
turned to cash often requires a business to sell
discounted assets at inopportune times. Too
much financial leverage without a backup of
financial liquidity often results in liquidation.
Analogous to athletics, resilient and agile
businesses often rely on a team of advisors or
coaches as part of the process. The advisors
can share expertise, but can also be catalysts
for change and represent a sounding board
in monitoring the implementation of your
plans. They can help to point the business
in the proper direction to achieve individual,
team and business goals.
Sweat the Small Stuff
Businesses that are financially resilient
and agile “sweat the small stuff.” They are
constantly looking to improve processes
and systems. Focused efforts on cost control,
production, and efficiency improvements
Your Turn
Now it is your turn. Does your business utilize
these basic components of success? Which
areas could be improved? In an agriculture
industry that is observing a wider spectrum
of business and economic outcomes, consider
implementing some strategies that will ensure
the resiliency and agility of your business. ❚
David Kohl received his M.S. and Ph.D. degrees in agricultural economics from Cornell University. For 25 years, Kohl was professor of agricultural finance and small business
management and entrepreneurship in the Department of Agricultural and Applied Economics at Virginia Tech, Blacksburg, Va. He was on special leave with the Royal Bank
of Canada working on advanced initiatives for two years, and also assisted in the launch of the successful entrepreneurship program at Cornell University. Kohl is professor
emeritus in the AAEC Department at Virginia Tech.
AGGEORGIA.6.SUMMER 2015
To receive the discounts, make sure you
To receive the discounts, make sure you
identify yourself as a Farm Credit Member and
identify yourself as a Farm Credit Member and
provide the discount codes as listed below.
provide the discount codes as listed below.
1-800-FLOWERS®
1-800-FLOWERS®
Flowers,
plants,
giftgift
baskets,
etc.etc.
GoGo
to to
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ororcall
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plants,
baskets,
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call888.755.7474.
888.755.7474.Use
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discountcode
codeFCCS
FCCSto
to receive
receive aa
15%15%
discount.
discount.
ADT
ADT
NewNew
customers
willwill
save
over
$200
more
than
the
general
customers
save
over
$200
more
than
the
generalpublic
public(with
(withcustomer
customerprequalification).
prequalification).Plus,
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you may
may
savesave
up to
off off
your
homeowners
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up 20%
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orcall
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FLORAL
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offorders
ordersvalued
valued at
at $30
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or more.
Note:
TheThe
owner
of this
business
is ais Farm
Credit
or more.
Note:
owner
of this
business
a Farm
Creditloan
loancustomer!
customer!
DELL
COMPUTERS
DELL
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Save
up 30%
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depending
configuration.
dell.com/farmcreditororcall
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anduse
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CS25031329.
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DIRECTV
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customers
save
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With
free
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callcall
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and
use
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From Seeds to Success
Rambo Nurseries: A Blooming Business
Article and photos by Rhonda Shannon
It is safe to say that Sam Rambo loved his
grandmother. As a child, he enjoyed spending
time with her, and on most occasions that
meant working with her in the garden.
Boxwoods, azaleas and other shrubbery
seemed to spawn many conversations and
lessons for the Cobb County native. But
those enjoyable times and memories also
birthed something unexpected: a love and
appreciation for horticulture that has now
culminated into a successful career path
known as Rambo Nurseries.
Sam Rambo
What began in 1983 as a hobby selling
shrubs and flowers door-to-door from a
redesigned family van has now expanded to
three Georgia locations in Dallas, Ringgold and
Cedartown. From an original 300-square-foot
greenhouse selling blooming flowers, Sam
Rambo and his 175 employees now supply
ornamental horticulture products to and
staff many of the Home Depots in Georgia,
Alabama and Tennessee. With an operation
that spans well over a million square feet
in greenhouses and 215 acres, the company
AGGEORGIA.8.SUMMER 2015
currently breeds, develops and houses some
5 million herbaceous ornamentals that will
eventually be sold in Home Depot stores.
“Nurseries that had been supplying to
these stores for resale were very large,” said
Sam Rambo. “We had to do things to create
value by not only supplying a different plant
but by also servicing the stores. We provide
a product at a decent price with an added
service. Since the mid-2000s, we’ve taken
this approach and have been the exclusive
provider [in the Home Depot stores we sell to].”
Hands-on Customer
Service
In all the Home Depot stores that Rambo
Nurseries supplies, the staff you see
maintaining the quality and vitality of the
plants are actually employees of Rambo, not
Home Depot. The added service of having
Rambo employees in these stores to supervise,
maintain, and manage inventory in the garden
areas has not only resulted in a better product
for consumers, but a tremendous value to
Home Depot as well. According to Rambo,
approximately 30% of the total sales for
Home Depot come from the sales in their
garden centers.
Maximizing the profits from garden
areas can have a major impact on a retail
home improvement store, especially during
an economic recession like that experienced
from 2007–2010. The stores that featured
Rambo Nurseries as their exclusive provider
during this time frame no doubt had the garden
centers to thank for helping to sustain profits.
Rambo also noted that, surprisingly, his
own business continued to grow throughout
the recession. “Our nursery business has not
been affected by the economic downturn. This
Sam Rambo shows the packaging of one of his blooming perennials to (left to right) Jessica Bassett,
Corey Cottle and Susan Jones from AgGeorgia Farm Credit
Top: Hanging baskets line the roof of a greenhouse at the Dallas location
low-ticket, home improvement item also has
a dual advantage – it’s also a feel-good item,”
says Rambo.
“Ensuring that the customer is successful in their
purchase will produce customer satisfaction which
will further produce customer loyalty.”
AGGEORGIA.9.SUMMER 2015
While the business is not generally
affected by the economy, he added that the
weather can play a major factor in sales. This is
related not only to the production of the plants,
but the effect weather has on consumers’
motivation to get out and shop. “We like to
see sunny weekends,” said Rambo, smiling.
“The ultimate goal is to secure customer
loyalty. Ensuring that the customer is
successful in their purchase will produce
customer satisfaction which will further
produce customer loyalty.”
“This low-ticket, home improvement item also has a
dual advantage — it’s also a feel-good item.”
Incorporating Instant
Success
So what goes into bringing the plant from
the nursery to your local garden center? The
nursery seems to have the process down to a
science, with an average span of approximately
12 weeks from seeding, to cutting from the
mother plant, to having a sellable product.
The staff also travels to and hosts breeders
from all over the United States and the world
to produce a better, more sustainable item
that is continually developing based on
consumer demand. “The millennial generation
wants to be successful and they want to be
successful fast,” says Rambo. “Incorporating
fertilizer that won’t break down as quickly
and providing detailed information on what
they’re purchasing is what they’re looking
for. Gone are the days when most consumers
will work in their yards for hours and hours.
They’re looking for a small plant that can be
put into a bed or a ready-mix combo so that
the result is instant without the majority of the
work being done on their hands and knees.”
This line of thinking shows that Rambo
Nurseries realizes that they have to continue
to stay ahead of consumers wants, sometimes
before consumers even realize what they want,
in order to stay competitive. “Opportunity
is lost as quickly as it could be gained,” adds
Rambo. “We have evolved because of necessity.”
As expected, pest management plays a
major role in the protection and endurance of
the massive number of flowers, not only the
blooms but the vegetation of the plant as well.
While production and efficiency are in the
forefront of their daily goals, unaddressed pest
issues could devastate and severely interfere
with their 2-3 turn production schedule.
Ensuring that no harmful chemicals are used
on any plant is the top priority of their growers’
team. Careful consideration is given to the
environment, and Rambo uses only biological
management for pest control.
Mechanical sprinklers in motion, using timers and measured moisture
application
Flowers Flourishing
with New Technology
The nursery has incorporated state-of-theart machinery to guarantee the success rate
of their plants, and their Dallas location is
fully automated. Naturally ventilated greenhouses have motorized retractable roofs that
control the amount of sunlight or rain that
is allowed on the tender vegetation. They
are also connected to Doppler weather radar
to monitor changes in wind speed and any
adverse approaching weather conditions
such as rain or hail. Motorized sprinklers
also help to distribute the exact amount of
moisture each plant receives and the exact
time when they receive it. A new software
system was recently implemented to track
orders and replenish inventory. It offers a
live availability that allows for pulling and
shipping all orders for the day.
A dwelling built in 1905 houses the office
for the operation at the Dallas location. The
Plants being labeled, watered and readied for shipment
AGGEORGIA.10.SUMMER 2015
The blue sky is in view as the roof of a greenhouse is being retracted
house was remodeled not only for structural
and practical purposes, but it is an “idea house”
for new genetic varieties and new combinations. You may see these beautiful creations
in planters on the front porch or elsewhere
around the house, before they hit stores. The
house is also a testing area for unconventional
innovations. The soffits of the house encase
an irrigation line with small, drip-irrigation
type spouts by which the hanging baskets
are watered. The watering process can be
easily and conveniently regulated with time of
watering and controlled amounts of moisture
applied to the plants, depending on what type
plants are there.
Whether it’s the breeding, production,
innovation or consideration of the environment,
Rambo Nurseries has provided products
and services that have created awe-inspiring
sceneries covering Georgia, Alabama and
Tennessee. For more than 30 years they
have made an indelible mark on many of the
residential yards and commercial landscapes
we appreciate and enjoy. It’s been an emerging
process from the days of selling flowers out of
the back of the converted family van to where
it is today. Countless days, seemingly endless
nights and a lot of hard work were included in
the formula for the nursery’s success. “Flowers
don’t know a holiday,” says Rambo. ❚
Sam Rambo explains the seeding process
AGGEORGIA.11.SUMMER 2015
Association Accolades
Congratulations to Greg Davis, 2015 Tift
County Farmer of the Year
A 3rd generation farmer, Davis operates 1,500
acres consisting of watermelons, peanuts,
cotton and corn. He lives and farms on land that
was passed from his grandfather to his father.
Davis purchased his first farm in 2013.
Presenting him with a patronage check is his
loan officer, Eddie Fresh (left). Davis is also
being presented with an AgGeorgia Yeti cooler
in congratulations of the Farmer of the Year
designation.
Catoosa County farmer James David Lyles and
his wife Tara were introduced as the Georgia
Sunbelt Farmer of the Year during the 2015
National Ag Week Kickoff at the Georgia
Freight Depot in Atlanta. Presenting the award
is Georgia Commissioner of Agriculture Gary
Black (far right).
The Lyles raise beef and poultry and grow hay
on their farm in Ringgold. They will represent
Georgia in October at the 2015 Sunbelt Expo,
where they’ll compete with nine other state
winners for the title of Swisher Sweets Sunbelt
Agricultural Expo Farmer of the Year.
Congratulations to the Lyle family on their award.
AgGeorgia Farm Credit
Financial
Reports
The Georgia Cattlemen’s Association honored
Stan and Dalton Tankersley (left and middle)
of Lincolnton as the GCA Cattlemen of the
Year. The award was given at the Cattlemen’s
Ball as part of the 54th annual convention &
trade show and 18th annual Georgia Beef Expo
in Perry at the Georgia National Fairgrounds.
Presenting the award is GCA Past President
Melvin Porter.
Tankersley Farms runs about 340 head of
Angus, Simmental influence and Charolais
influence cattle. The family is actively involved
in GCA, Lincoln Co. Farm Bureau, Lincoln Co.
Cattlemen’s Association, and Double Branches
Baptist Church. Stan and Teresa have two
daughters, Hannah Lionetti and Lauren Palmer,
in addition to son, Dalton. They also have five
grandchildren.
Copies of the Association’s Annual and Quarterly reports are available upon request free of charge by calling 1-800-8686404 or writing Carrie McCall, Chief Financial Officer, AgGeorgia Farm Credit, ACA, P.O. Box 1820, Perry, Georgia
31069 or accessing the website, www.aggeorgia.com. The Association prepares an electronic version of the Annual Report
which is available on the Association’s website within 75 days after the end of the fiscal year and distributes the Annual
Report to Shareholders within 90 days after the end of the fiscal year. The Association prepares an electronic version
of the Quarterly report within 40 days after the end of each fiscal quarter, except that no report need be prepared for
the fiscal quarter that coincides with the end of the fiscal year of the institution.
AGGEORGIA.12.SUMMER 2015
Experience and Reliability.
Meet our Rome staff—Susan Jones and Helen Hunter serve
Chattooga, Floyd and Polk Counties and work on keeping
alive the tradition of excellent service from Farm Credit. For
almost 100 years, AgGeorgia has been providing financing for
operating lines of credit, capital improvements, purchasing or
refinancing real estate, and purchasing equipment or livestock.
Stop by to see Susan or Helen and let them show you how
AgGeorgia has been helping Georgia grow for generations.
From the left, Susan Jones and Helen Hunter
701 East 2nd Avenue
Rome, GA 30162
706.291.6340
www.aggeorgia.com
Association News
Retirements
New Additions
Kay Bedgood, Branch Manager, began her
career in 1996 with South Central Farm
Credit in Sandersville, Georgia. Upon
her retirement on March 31, 2015, she had
more than 18 years of service. Kay is being
congratulated and presented a plaque and
resolution by CEO Jack Drew.
Tanner Megahee has joined the Sylvester Branch
as a Loan Officer. Tanner is from Norman Park in
Colquitt County, Georgia, and graduated from
Troy State University with a bachelor’s degree in
Business Management. Tanner began his career
with AgGeorgia on February 16, 2015.
The AgGeorgia family extends our congratulations to Mr. James Carlton, Director, on his
retirement on March 31, 2015. Mr. Carlton has
served the Association for 38 years and represented AgGeorgia, agriculture and his community
well. We wish Mr. Carlton a long, healthy and
happy retirement.
Alex McAfee began his Farm Credit career in the
Sandersville Office as a Loan Officer on March
24, 2015. Alex is a graduate of Georgia Southern
University with a Bachelor of Science in Finance.
Promotions
Melissa Redd, Branch Manager in the Waynesboro
office, has been named Branch Manager of the
Sandersville and Waynesboro branches. Melissa
has been an employee of AgGeorgia since
September of 2009, serving as Compliance Officer,
Loan Officer and Special Assets Loan Officer
before taking the first branch manager position.
Emily Reece has accepted the position of Loan
Officer in the Perry Branch. Emily began as an
intern with AgGeorgia before taking her first
full-time position in February of 2013 as a loan
officer in the Chatsworth office. She then transferred to the SAM department in September of 2013.
Joseph Stewart has accepted the position of
Branch Manager in the Perry Office. Joseph began
as an intern with AgGeorgia before taking his
first full-time position in March of 2013 as a loan
officer in Sylvester. He then transferred to Branch
Manager in our Quitman office before accepting
the current position.
AGGEORGIA.14.SUMMER 2015
Mitch Adams has joined the Chatsworth Branch as
a Loan Officer. Mitch is a graduate of the University
of Georgia with a Bachelor of Science in Forestry.
Mitch began his Farm Credit career on April 1, 2015.
Howard Brown has been elected a Director for
the AgGeorgia Farm Credit board. A native of
Macon County, Mr. Brown is a full-time farmer
and currently resides in Montezuma with his
wife, Loren, and children, Whit and Kaitlin. We
welcome Mr. Brown to the AgGeorgia family.
Employees recently receiving
promotions or new corporate titles:
Employees recently receiving new
corporate officer appointments:
Pam Arthur, Royston Branch - Branch Operations Coordinator IV
Joe Stewart, Perry Branch - Vice President
Adam Dye, Washington Branch - Loan Officer I
Becky Carroll, Operations/Corporate - Assistant Vice President
Betty Elsberry, Quitman Branch - Branch Operations Coordinator IV
Adam Flakes, Waynesboro Branch - Assistant Vice President
Josh Hall, Dublin Branch - Loan Officer I
Ryan King, Royston Branch - Assistant Vice President
Susan Jones, Rome Outpost/Cartersville Branch - Loan Officer III
Mark Lindsey, Information Technology/Corporate - Assistant Vice President
Bo Lowry, Corporate Office - Director of Risk Management II
Donna Perrin, Tifton Branch - Assistant Vice President
Frances Reno, Royston Branch - Loan Specialist I
Vikki J. Wooley, Administrative/Corporate - Vice President
Lacy Royal, Corporate Office - Chief Credit Officer IV
Dominee Thomas, Waynesboro Branch - Loan Assistant V
Sarah Williams, Dublin Branch - Loan Specialist II
Vikki Wooley, Corporate Office - Corporate Secretary/HR Specialist II
Steve Yearta, Corporate Office - Chief Credit Officer IV
Insurance Reminder
AgGeorgia Farm Credit, Agricultural Credit
Association (Association) loan agreements
and/or commitment letters stipulate that
borrowers obtain and maintain insurance on
property pledged as security for loans with
the association named as mortgagee or loss
payee as appropriate.
This notice is a reminder that the
minimum amount of coverage required
to be maintained is the lesser of your loan
balance(s), the actual cash value of the property,
the replacement cost of the property or the
amount stipulated by your loan officer. Since
the amount required could be less than the
amount for which the property can be insured,
you are encouraged to consider higher limits
where applicable to adequately protect your
equity interest in the property.
If the property securing your loan consists
of improved real estate, unless otherwise
advised, at a minimum, your policy must
insure against the following perils: fire and
lightening, wind, hail, aircraft or vehicle
damage, riot or civil commotion, explosion,
smoke damage, water damage (other than
flood), falling objects, weight of snow, ice or
sleet and vandalism. Loss or damage from
flooding is also required if your loan was
made after October 4, 1996, and at the time
the loan was made the property was located in
a government mandate Special Flood Hazard
Area and flood insurance was available.
AGGEORGIA.15.SUMMER 2015
If the property securing your indebtedness consists of personal property including
vehicles, machinery or equipment, in addition
to the causes of loss cited in the preceding
paragraph, the property must also be insured
against theft, and where applicable, such
as with mobile machinery and equipment,
collision and upset.
If your current coverage does not
conform to these requirements, please
contact your insurance representative and
effect the necessary changes to insure your
coverage does comply with these requirements. Please contact your local AgGeorgia
Farm Credit representative if you have any
questions or comments. ❚
Equipment Loans for
any Farming Operation
From small to large and anything in between, our
Farm Credit EXPRESS equipment program provides a
quick approval process to get you back to business.
Visit farmcreditexpress.com for a list of participating
dealerships and ask your local dealer how easy it
is to use Farm Credit EXPRESS.
farmcreditexpress.com
Property for Sale
Properties for sale are listed as a service to our readers. Information is furnished by real estate agents and individuals and
AgGeorgia Farm Credit is not responsible for the accuracy of the listing contents. If you have property for sale in Georgia that
you wish to list in the Leader magazine please contact Rhonda Shannon for details at [email protected] or 229-382-4300.
BANKS
with Mike Smith Forestry & Realty, LLC at
[email protected] or (706) 554-3008.
farming community between Metter & Swainsboro.
Located on county maintained road. Reduced, only
$1,900.00 per acre. Contact Bill Breiner with
LandMart.com at [email protected] or(478)
452-5180.
CHATTAHOOCHEE
12.55+/- acres. Private wooded land in Banks
County. This property is located in Commerce
approximately 8+/- acres from the Tanger Outlet
Mall. If you want private country living then this
lot is for you. Come build your dream home. Contact
Tim Hill with Community Partners Realty at
[email protected] or (678) 227-3437.
BURKE
109 acres. Creek Road and Buck Lane, 18 miles
east of Waynesboro near Girard, all wooded, timber
harvested 10-15 years ago, branch and beaver pond
on property line, great hunting tract, a lot of wildlife
sign, $141,800. Will divide into 75 and 33 acre tracts.
www.GeorgiaLand.com. Contact Chad Shivers with
Shivers Real Estate at [email protected] or
(706) 833-9114.
467 acres. Wooded acreage, Smith Road, 8 miles
southeast of Cusseta, 25 miles southeast of Columbus,
hardwood/pine mix, road system, streams, timber
investment, hunting/recreation. $677,150. www.
GeorgiaLand.com. Contact Chad Shivers with Shivers
Real Estate at [email protected] or (706)
833-9114.
CLARKE
PRICE REDUCED. This tract is a sportsman’s paradise.
Everything is there ready to enjoy with a good road
system. There is a great updated 1,900 sq. ft. cabin
with 2 bedrooms and large fire place. Also, there are
two large storage outbuildings along with a cook
shed. There are 3 wells, 2 for the pond and 1 for the
house. Contact Max Boswell with Mary Yelton Realty
at [email protected] or (706) 871-9141.
99 acres. William Tinley Road, 25 miles south of
Augusta, 15 miles west of Waynesboro, 32 acres
cultivated, 20 acres planted pines, 35 acres wooded,
8 acres underground gas line easement, diverse tract
with hunting/recreation, timber investment, and
farm lease income. $168,470. www.GeorgiaLand.
com. Contact Chad Shivers with Shivers Real Estate
at [email protected] or (706) 833-9114.
CANDLER
34.8 Acres. Listed @ $47,500. Nice small tract for
hunting and all other outside recreational activities.
2 small creeks on this property and a beaver pond
for ducks. Merchantable timber. Home site. Located
on Nathaniel Howard Road. Contact Michael Smith
210 acres. Big barn road farm. 117 acres tillable, 6
acre pond, 50 acres cut-over planted pines, potential
ag conversion on timberland, good farm soils, strong
AGGEORGIA.17.SUMMER 2015
Tallassee Estates. Conveniently located to Athens
and Loop 10. It offers double paved road frontage,
woods and a creek. The two homes on the property
that could be used as rental properties or create your
own private retreat here in Athens. Currently the
zoning is RS-15 opening the possibilities for development. Contact Mark Costello with Southern Land
Exchange at [email protected]
or (706) 549-5050.
COLQUITT
perimeter is fenced and cross fenced for cattle or
horses. Unique 3 bdrm/2ba custom built log home
with yellow and white pine through out. Large barn
with plumbing and power. MLS#904789. Contact
Dena Jackson with The Slocumb Company at
[email protected] or (229) 456-3081.
Affordable home. Located in a peaceful country
setting that is surrounded by beautiful farmland.
This would make a great starter home or for someone
who is looking to downsize. Located in the Hamilton
School District. MLS # 904876. Contact Dena
Jackson with The Slocumb Company at denacjp@
yahoo.com or (229) 456-3081.
ELBERT
22.88 acres. In Royston, nice level open land that
10.32 acres. In eastern Colquitt county. Sided by
two paved roads, 832 ft on one & 532 ft on other.
Small pond and good pine tree population. Mostly
clear cut and suitable for sub dividing for mobile
homes. $37,000 or most suitable offer. Call Homer
Eldridge at (229) 891-1230.
is currently cultivated. Would make a great place to
have build a house and have a horse or cattle farm.
$102960. Contact Amanda Smith with Burdette
Realty at [email protected] or (706) 680-1800.
DODGE
124.73 acres. Cabin in the Woods. PRICED TO
10.49 acres. This custom built home is located just
outside of the city limits in a very peaceful setting.
The 3bdrm/2.5bath home offers a nice and open
floor plan, living room with fireplace, eat-in kitchen
and separate dining room. Master bedroom with
master bath, garden tub and separate walk in shower.
MLS# 904562. Contact Dena Jackson with The
Slocumb Company at [email protected] or (229)
456-3081.
8 acres. 1054 Telfair Line Rd. Milan Ga. Awesome
country home, a sportsman’s dream, 2800 sq. ft, 2
story, 4 bdrm, 3 bath cedar house. Standing seam
metal roof, barn/shop, pump house. Anderson
windows, masonry fireplace, green house & practice
range. View tour: http://www.visualtour.com/show.
asp?t=3501315 & www.arealtormom.com. Contact
Susan Evans with Susan Evans Realty, llc at [email protected] or (912) 423-9291.
SELL! $375,000. Cabin built in 2006. Upland white
and red oak make this a great deer and turkey tract.
Three streams provide water source for wildlife. Dbl.
deck deer stand positioned on scenic hardwood ridge;
areas of merchantable pine timber. Numerous ATV
trails provide easy access thru property. Contact
Eddie Drinkard with Drinkard Real Estate Sales,
Inc. at [email protected] or (706) 318-3636.
Pristine Lake Russell. PRICE REDUCED! 2 tracts
3.59 acres. A true southern style home with rocking
chair front and back porches in a peaceful setting
surrounded by beautiful hardwood trees and planted
pines. The two story home offers 4 bedrooms, 2.5
baths, open floor plan and basement. Hamilton
School District. MLS#904837. Contact Dena Jackson
with The Slocumb Company at denacjp@yahoo.
com or (229) 456-3081.
48+/- acres. 969 Phillip Estes Rd. Eastman Ga.
available: 94.35 acres and 91.94 acres. $270,000.
92.00 Acres @ $2,935/ac. Some of the property lines
are within 250-300 feet of the shoreline. The property
fronts on Dry Fork Landing Road and is only 1 mile
from a public boat landing. Contact Eddie Drinkard
with Drinkard Real Estate Sales, Inc. at eddie.
[email protected] or (706) 318-3636.
Beautiful brick home. Wooded lot, centrally located
between Dublin & Eastman off Middle Ground
Church Rd. Built in ‘05, 3 Bed 2 Bath w/ central
living area. Vaulted and Trey Ceilings! Visual tour
@ http://www.visualtour.com/show.asp?t=3419909.
Listing @ www.arealtormom.com. Contact Susan
Evans with Susan Evans Realty, llc at arealtormom@
gmail.com or (912) 423-9291.
122+/- acres. A large country estate that has been
organically managed as a sustainable farm for the
past decade. Full-property perimeter and interior
fencing makes this perfect for organic livestock
71.69 acres. Peaceful setting offering an abundance
of wildlife, woods and two stocked ponds. The entire
AGGEORGIA.18.SUMMER 2015
production or horse property. Contact Tim Hill with
Community Partners Realty at TimHelpsYou@
gmail.com or (678) 227-3437.
FRANKLIN
Great investment opportunity! 22 lots in the Orchard
142.97 acres. Cattle farm inCarnesville. 3 bedroom
Golf Community located 90 miles NE of Atlanta.
Gated 24/7, clubhouse, swimming, tennis, playground
and multiple lakes for your enjoyment. $264,000.
Contact Ruth Camp with Shield Realtors at ruth@
ruthcamp.com or (706) 499-4720.
32+/- acres. Scenic rolling land. Fenced with pasture
and barns. 4BR/3.5BA 3200 sq.ft. home built in
1907 in great condition. $600K for all. Owner willing
to sell home with less acreage. Contact Patricia Bower
with Keller Williams Realty Lanier Partners at
[email protected] or (770) 530-6300.
HANCOCK
ranch house. 6 acre pond. Fully fenced. 70+/- acres
of pasture. 60+/- acres of timber. Beautiful farm with
views. $650K. Contact Austin Breiner with LandMart
at [email protected] or(478) 414-8419.
GREENE
38 +/- acres. Stunning shoals and extremely noisy
73 acres. Cattle farm/home site. Bank-owned with
water! Wooded tract, both sides of Yellow Bank
Creek. Near Clarkesville and Cornelia, several prime
building sites. Driveway already in to creek. Possible
owner financing. $329,000. Contact Ruth Camp
with Shield Realtors at [email protected] or (706)
499-4720.
a REDUCED PRICE at $233,995. 1 acre pond.
Mostly pasture. Sherill Creek frontage. Union Point,
GA. Contact Austin Breiner with LandMart at
[email protected] or(478) 414-8419.
92 acres. Big hardwood timber, flowing creek with
pond site, nice established food plots, very quiet
setting, big deer on camera, great turkey hunting,
big buck country. Contact Aubrey Breiner with
LandMart.com, LLC at [email protected] or
(478) 454-7980.
HABERSHAM
12 +/- acres. Build your dream home! Property
overlooks Soque River, 778 feet of frontage on
Georgia’s most famous trout stream, located 5 miles
from downtown Clarkesville. (102587) $350,000.
Contact Marty Simmons with Shield Realtors at
[email protected] or (770) 597-4219.
45.9 acres. In Clarkesville, long frontage on Soque
River, mountain views with several building sites.
20 acres of pasture, perfect for horse farm or private
estate. Close to town. In conservation program, new
owner must agree to keep until it expires. $689,400.
Contact Bill Camp with Shield Realtors at bill@
billcamp.com or (706) 499-4720.
100 acres. New on market, better hurry! Fantastic
hunting tract near Powellton. Loaded with mature
pine and hardwood timber. Dirt road frontage, good
interior roads, small utility right-of-way and beautiful
creek. $2,150 per acre. Contact Beverly Webb with
Town & Country Real Estate at info@tandcrealestate.
com or (478) 552-5681.
JACKSON
30 +/- acres. Mountain top estate! Gated entrance,
360 degree views, large workshop, enclosed 40ft x
60ft barn w/electric & water. 3BR craftsman style
home, additional finished room on terrace level w/
bath. Easy access to Helen, Clarkesville, Gainesville
& Atlanta. $799,000. (100540) Contact Ruth Camp
with Shield Realtors at [email protected] or (706)
499-4702.
27+/- acres. Property fronts Hazel Creek. 2 homes,
pasture, workshop. $399,900. Contact Patricia Bower
with Keller Williams Realty Lanier Partners at
[email protected] or (770) 530-6300.
21 +/- acres. This gated lake front property is
waiting for you to build your dream home. The
secluded property sits on a private lake with over
1800+/- feet of water frontage. The listing is a combination of two parcels. One parcel is 13.09+/- and is
AGGEORGIA.19.SUMMER 2015
located within the subdivision of Cardinal Lake and
the other a joining parcel is 8+/- acres. Contact Tim
Hill with Community Partners Realty at
[email protected] or (678) 227-3437.
JOHNSON
JASPER
An old road system covers the entire property
meandering through the mature hardwoods along
the drains and creek. County paved rd frontage.
Offered for $3250 per acre. Contest Mark Costello
with Southern Land Exchange at [email protected] or (706) 207-5850.
15 acres. This stately estate boasts a remarkable 7.5
30 acre lake. Big dock with boat slip, 90x50 barn
with 1br/1ba apartment, excellent road system, great
deer and turkey hunting, duck and quail potential,
mature hardwood, quality deer managed for years,
very quiet and private, double paved road frontage,
multiple home sites, 1 hr 20 minutes from Atlanta.
Contact Aubrey Breiner with LandMart.com, LLC
at [email protected] or (478) 454-7980.
acre lake! This home was custom designed and abounds
with windows for many great views of the lake and
fenced pool area. Built with the finest material and
ornately designed. Tour @ http://www.visualtour.
com/show.asp?t=3465880 & www.arealtormom.
com. Contact Susan Evans with Susan Evans Realty,
llc at [email protected] or (912) 423-9291.
MADISON
15.79 +/- acres. Breeder farm with a log cabin
home. The residence has 3 bedrooms and 2 full
bathrooms. The living room has a beautiful over-sized
stone fireplace and up above are hardy wood beams.
The kitchen is open and full of nature sunlight.
Contact Tim Hill with Community Partners Realty
at [email protected] or (678) 227-3437.
MCDUFFIE
JEFFERSON
5.76 acres. Great find! Wooded acres with a creek
to build, hunt, or bring your mobile home. $23,300.
Contact Amanda Smith with Burdette Realty at
[email protected] or (706) 680-1800.
120 +/- acres. The Harrison Homeplace. $650,000.
Approx. 45 acres is in established pasture; approx.
30 acres is cultivated currently in soybeans, and
appprox. 5 acres is a pecan grove. The 1920s home
is in excellent condition and has 3 Bedrms., 2 1/2
Baths, Living room, Dining rm., Firepl., Central
H/A, and a large screened-in front porch. Contact
Eddie Drinkard with Drinkard Real Estate Sales,
Inc. at [email protected] or (706) 318-3636.
297 acres. Newman Smith Road, 3 miles north of
Bartow, 232 acres hardwood/pine mix (hardwood
cut about 2008), powerline easement, Williamson
Swamp Creek, will divide into 2 tracts, $1100/acre.
Contact Chad Shivers with Shivers Real Estate at
[email protected] or (706) 833-9114.
JENKINS
Madison Lake & Shoals. 5 +/- acre lake with several
MITCHELL
cabin sites that would overlook the lake, 75% planted
pine timberland with trees over 15 years old, 25% is
hardwoods. A great hunting tract with food plots
good interior roads and duck boxes on the lake.
Offered for $2950 per acre. Contact JR Smith with
Southern Land Exchange at whitetiger30646@
yahoo.com or (706) 207-0152.
107 acre farm. Saxon Road, 12 miles northeast of
Millen, 66 acres cultivated, 8.5 acre hay field, 32
acres wooded, farm lease income, lots of wildlife
sign. Pretty property for investment, farming, hunting/
recreation. $183,300. Contact Chad Shivers with
Shivers Real Estate at [email protected] or
(706) 833-9114.
21.38 acres. Secluded 4 bedroom home located
Hardwood Hill. A great recreational property or
home place/farm. Nice open fields leading up to the
hilltop offers long views of the surrounding counties.
AGGEORGIA.20.SUMMER 2015
conveniently between Moultrie and Camilla. This
home is surrounded by mature pecan trees and open
pasture fenced for horses or cattle. Additional 1
bdrm/1bath guest house. Large shed for equipment
and barn. MLS# 904782. Contact Dena Jackson
with The Slocumb Company at denacjp@yahoo.
com or (229) 456-3081.
MORGAN
hunter, there are established food plots and 8 to 10
deer stands. Beautiful property! Contact Eddie
Drinkard with Drinkard Real Estate Sales, Inc. at
[email protected] or (706) 318-3636.
WASHINGTON
PULASKI
15 +/- acres. Hidden Pines Farm is a horse farm
in Morgan County. This breeding farm has multiple
paddocks and pastures. The large barn has 14 stalls
w/concrete isle way, feed room, run in and out pens
and a stallion pen. There are breeding stocks and a
stanchion for treating your horses. The second barn
is used for storage. The house is 3514 +/- sq. ft. Contact
Tim Hill with Community Partners Realty at
[email protected] or (678) 227-3437.
NORTHWEST GEORGIA
Poultry Houses. Four 500 feet well-kept broiler
poultry houses for sale in Northwest Georgia. Contract
with Pilgrim Pride. They will honor new contract
with new owner. Farm includes cake machine, back
up generator with automatic transfer switch and a
mobile home with paying occupant. Travel trailer
set up for worker on farm. Poultry houses are Class A
pay. Contact Pam Duckworth with D and H Poultry
at [email protected] or (706) 346-0217.
141.34 acres. Hamburg State Park Road. 6,700
768 +/- acres. This unique tract has been developed
for silvopasture, which integrates livestock and timber
production on the same land providing multiple
income opportunities. Asking $2,150,400 ($2,800/
ac) Visit our website at www.fwforestry.net. Contact
Jody Strickland with F & W Forestry Services, Inc.”
at [email protected] or (478) 954-8058.
RICHMOND
17.79 acres. Beautiful home located at 278 Edwards
OGLETHORPE
63.47 acres. Listed @ $344900. Nice property
located in Hephzibah. Approximately 50% fenced
pasture and balance in woods. Great location for
cattle or horses. Nice home with inground pool.
Several outbuildings for storage. Contact Michael
Smith with Mike Smith Forestry & Realty, LLC”
at [email protected] or (706) 554-3008.
Mallard Branch. Out in the country property, yet
feet of frontage on the Little Ogeechee River. 18 year
old planted pines were 5th row thinned in 2012.
Great deer, turkey, and hog hunting! Beautiful timber
and interior road system. Outbuilding with water
and power. $2,200 per acre. Contact Beverly Webb
with Town & Country Real Estate at [email protected] or (478) 552-5681.
Ford Road, Tennille, GA. Property is fenced with
pasture, woodlands, and Ohoopee River frontage.
Cyprus siding Barn and chicken house. Home has
3 Bedrooms, 3 Baths, Living Room, Dining Room,
Utility Room, and Bonus Room. Priced at $228,500.
Contact Beverly Webb with Town & Country Real
Estate at [email protected] or (478) 552-5681.
STEPHENS
convenient to the city. This property has a good
balance of planted pines, hardwood ridges and water.
An existing road network can be cleared to provide
access to most of the property by vehicle. A perennial
creek crosses the property and provides water for
wildlife. Offered for $1900 per acre. Contact Jesse
Johnson with Southern Land Exchange at jjohnson@
southernlandexchange.com or (706) 549-5050.
83 acre farm. Located just outside of Sandersville,
89 +/- acres. Lake access. Great hunting land. Road
GA. Paved road frontage. Open land suitable for
row crops, cattle horses, etc. Marketable timber and
some cutover. Power line across rear of property.
Great hunting and homesites. Great buy at $1,750
per acre. Contact Beverly Webb with Town & Country
Real Estate at [email protected] or (478)
552-5681.
frontage on both Hwy 17 Toccoa By-Pass & Hwy
106. Owner Financing available. $667,500. Contact
Patricia Bower with Keller Williams Realty Lanier
Partners at [email protected] or (770)
530-6300.
112.84 acres. Cabin and pond on Wolfskin,
$775,000. A 2,000 sq. ft. cabin, built in 2011, is well
suited for weekend retreat or full-time residence.
The cabin is picturesquely situated overlooking a 3
acre stocked pond with large covered dock. For the
126 acres. Old farmhouse, near Davisboro, GA.
Recently cutover with buffers and SMZ’s along Steel
AGGEORGIA.21.SUMMER 2015
Creek. Plenty of deer and turkey. Ideal weekend
get-away or permanent residence. Only $1,550 per
acre!! Contact Tom Bell with Town & Country Real
Estate at [email protected] or (478) 552-5681.
WILKES
WEBSTER
276 acres. Clark Creek Tract, $1,895 per acre.
95 acres. War Hill Farm is a turn-key farm for sale!
775 +/- acres. Timberland. This tract is well suited
for timber investment and recreational hunting.
Asking $1,050,000 ($1,355/ac) Incl. trailer, well and
electricity. Recent timber inventory available. Contact
Jody Strickland (#290344) with F&W Forestry
Services, Inc at [email protected] or (478)
954-8058.
Pasture, pines/hardwoods, pond, pole barn and
paved road frontage this tract has it all, including
approx 30 acres of pasture with a small pond and
creek. There are several excellent home sites overlooking
the pasture and pond. Offered for $3250 per Ac.
Call Jesse 706.614.4855. Contact Jesse Johnson with
Southern Land Exchange at [email protected] or (706) 549-5050.
AGGEORGIA.22.SUMMER 2015
Beautiful Clark Creek is a major Wilkes Co. creek.
Lots of hardwoods make ideal deer, turkey and small
game habitat. Approx. 175 acs. of 16 year old pines
almost ready for first thinning. A 2 to 3 acre open
field makes for an ideal wildlife food plot. Over 2,700
ft. frontage on Bunch Road. Contact Eddie Drinkard
with Drinkard Real Estate Sales, Inc. at eddie.
[email protected] or (706) 318-3636.
LandMart.coM
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and IInvestMent
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Agriculture
Timber
Recreation
Development
Waterfront
Full
ull Service
ervice Brokerage
rokerage - We
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and
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P.O. Box 1820
Perry, GA 31069
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Office Locations
Cartersville
Gainesville
Ocilla
Sandersville
1300 East Main Street
Cartersville, GA 30120
(770) 382-3637
501 Broad Street
Gainesville, GA 30501
(770) 534-5395
302 S. Cherry Street
Ocilla, GA 31774
(229) 468-5900
775 Sparta Road
Sandersville, GA 31082
(478) 552-6922
Chatsworth
LaFayette
Perry
Sylvester
19 Woodlake Drive
Chatsworth, GA 30705
(706) 695-0020
700 East Villanow Street
LaFayette, GA 30728
(706) 638-1940
468 Perry Parkway
Perry, GA 31069
(478) 987-1434
105 Dexter Wilson Blvd
Sylvester, GA 31791
(229) 776-5599
Clarkesville
Montezuma
Quitman
Tifton
102 Blacksnake Road
Mt. Airy, GA 30563
(706) 754-4158
317 Walnut Street
Montezuma, GA 31063
(478) 472-5156
504 E. Screven Street
Quitman, GA 31643
(229) 263-7551
1807 King Road
Tifton, GA 31794
(229) 382-4300
Cordele
Moultrie
Rome
Washington
1207 South Greer Street
Cordele, GA 31010
(229) 273-3927
22 5th Avenue., SE
Moultrie, GA 31768
(229) 985-3893
701 East 2nd Avenue
Rome, GA 30162
(706) 291-6340
U.S. 78, 311 North Bypass
Washington, GA 30673
(706) 678-7088
Dublin
Nashville
Royston
Waynesboro
826 Bellevue Avenue
Dublin, GA 31021
(478) 272-3255
707 N. Davis Street
Nashville, GA 31639
(229) 686-5081
675 Church Street
Royston, GA 30662
(706) 245-6142
176 Highway 80 West
Waynesboro, GA 30830
(706) 554-2107
www.aggeorgia.com