Winter 2014
Inside:
AgGeorgia Partners with
Second Harvest of South Georgia
The Perfect Farms
The Agricultural Economy in Transition
Property for Sale
Before Farm Credit,
there was no credit.
Leader
is published quarterly for stockholders, directors
and friends of AgGeorgia Farm Credit.
President
Jack C. Drew, Jr.
BOARD OF DIRECTORS
Gerald D. Andrews
Edward M. Beckham II
Jack W. Bentley, Jr.
William L. Brown
James B. Carlton
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. Sisk
David H. Smith
Glee C. Smith
Franklin B. Wright
EDITOR & MARKETING SPECIALIST
Rhonda Shannon
PUblisher
AgFirst Farm Credit Bank
Imagine a time when farmers were on their own—a time when
banks thought lending to farmers was too risky. Then came Farm
Credit, a cooperative established in 1916 for farmers and rural
America. For almost 100 years, through good times and bad,
Farm Credit has been there to support America’s farmers.
Farm Credit is now the nation’s largest agricultural lender—and
the only lender dedicated to agriculture. We have more experience,
resources and services to help farmers achieve their dreams than
any other lender.
When you’re ready for a lender who is dedicated to agriculture for
the long term, you’re ready for AgGeorgia Farm Credit.
800.868.6404
www.aggeorgia.com
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Address changes, questions, comments or
requests for copies of our financial reports
should be directed to AgGeorgia Farm Credit
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calling 800-868-6404. Our quarterly financial
report can also be obtained on our website:
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Email: [email protected].
Table of Contents
In August, AgGeorgia Farm Credit
participated in its first “One Can
Make a Difference” campaign. Twenty
offices collected non-perishable food
items and monetary donations to
benefit six food banks within the
Georgia Food Bank Association.
Corey Cottle, Marketing Director for
AgGeorgia, coordinated the event ...
Page 4
4 AgGeorgia Partners with
Second Harvest of South
Georgia
6 The Perfect Farms
8 The Agricultural Economy
in Transition
11 National Discount Program
12 Meet the Shealeys:
A Farm Family’s
Introduction to Co-ops
14 Association News
Famil ies grow and traditions
continue; this has been the case for
the Perfect family.
In 1957, Charles Perfect moved his
wife and three children from Croton,
Ohio to Elko, Ga.
“It started as an investment,” Ted
Perfect says. “Dad needed the whole
family to vote yes on moving.”
The 1960s were exciting times ...
Page 6
For Echols County Extension
Agent Justin Shealey, the influence
of agriculture has been a constant
presence throughout his life.
Growing up on the family farm in
Adel, Ga., Justin became acquainted
with farming and hard work at
an early age. He recalls feeding
cows and driving high-priced ...
Page 12
AgGeorgia.3.Winter 2014
15 Insurance Reminder
17 Property for Sale
AgGeorgia Partners with
Second Harvest of South Georgia
By Rhonda Shannon
In August, AgGeorgia Farm Credit
participated in its first “One Can Make
a Difference” campaign. Twenty offices
collected non-perishable food items and
monetary donations to benefit six food
banks within the Georgia Food Bank
Association. Corey Cottle, Marketing
Director for AgGeorgia, coordinated the
event and challenged the offices to collect
10,000 pounds of food; at the end of the
successful campaign, nearly 19,000 pounds
were collected.
Almost as important as the amount
of food collected and donated was the
relationship that was formed and the
awareness that was rekindled of the
importance of this vital service and their
programs. “I was shocked at some of the
area statistics of hunger provided to me by
Eliza McCall and Doug Griner of Second
Harvest of South Georgia,” said Cottle. The
impression left by those statistics spurred
the Farm Credit Associations of Georgia to
raise even more money while participating
in the Sunbelt Ag Expo in October. The
Associations auctioned local farm products
to raise nearly $3,000 more dollars for
Second Harvest of South Georgia, which
the food bank was then able to convert into
approximately $24,000 in food assistance
services, according to McCall.
Who is Second Harvest
of South Georgia?
The concept began in 1982, when a small
group of volunteers representing several
Valdosta churches formed the Unity
Food Bank. Their goal was one of giving
community non-profits easy, affordable
access to the foods and services necessary
to carry out their charitable work. The
group operated in a borrowed basement,
distributing loads of food donated from
another community food bank. Over the
Corey Cottle with AgGeorgia Farm Credit (left) presenting check to Doug Griner with Second Harvest
of South Georgia
last 31 years, the organization has grown
and transformed—changing names and
leadership, becoming independent and
nationally-accredited, and expanding
geographically and operationally.
Today, Second Harvest of South
Georgia is the leading hunger-relief
organization in the region and the second
largest food bank in the state. In addition
to the Valdosta headquarters, there are
also branches located in Albany, Douglas
and Thomasville, serving a 12,675 square
mile region made up of 30 counties. With
a total of 35 paid employees from these
four locations, more than 400 partner
agencies are served through a variety of
programs including the Food Bank, Kids
Café, Mobile Food Pantry and Teachers’
Harvest, among others.
AgGeorgia.4.Winter 2014
All food is free and must be given
to the end users at no cost. Through the
network of partner agencies, more than
1 million pounds of food is distributed per
month. Last year, 16.5 million pounds of
food and groceries were provided to those
in need in South Georgia, and Second
Harvest far exceeded that amount for 2013.
Why is this organization
so vital to South
Georgia?
According to Eliza McCall, chief marketing
officer for Second Harvest of South Georgia,
Inc., one in four South Georgians don’t
have a reliable food source, and out of that
number, one in three are children under
the age of 18. “Out of the South Georgia
population of nearly 756,000, that statistic
equates to approximately 160,000 South
Georgians, 56,000 of which are children,”
says McCall. “The latest USDA economic
research census data determined that
93 percent of this number is within our
four office service area.”
There are programs in place to offer
assistance to those in need. One such
program is Kid’s Café, a children’s feeding
program that provides kids with meals after
school and during school breaks (summer,
holidays, etc.). During the school year,
children get a meal or snack and an hour
of enrichment activities such as tutoring. At
present, the Albany and Valdosta kitchens
prepare and deliver more than 45,000
total meals and snacks monthly for area
kids. Last year, nearly 425,000 meals and
snacks we served to South Georgia children.
“In our Valdosta and Albany offices, we
have commercial kitchens where food is
prepared for children that participate in
groups like YMCA and the Boys & Girls
Clubs,” says McCall. “The leanest months
for donations are July through September,
and this is a vital time for children since
school is out.”
How can you help?
When asked what would be the most
significant reminder McCall would like
to communicate, she responded without
hesitation. “While we love and need to
receive non-perishable food items high
in nutritional value such as peanut butter
and tuna, we also welcome fresh produce
from local growers.” McCall stated that
during the spring and fall growing seasons,
growers with produce that may go unused
at their sheds and that is boxed or in a
container can be picked up by their staff
or volunteers. Generous farmers, packing
sheds, and produce wholesalers can donate
fresh produce which will be supplied to
those in need through multiple channels
including food bank distribution, mobile
food pantry, and Kids Café. During 2013’s
peak growing season, nearly 1 million
pounds of produce were collected and
distributed in a single month.
To find out more about how you can
contribute to Second Harvest of South
Georgia with monetary donations, food
items or to volunteer, visit their website at
www.feedingsga.org, or call 1-888-453-4143. z
Where others see trees,
you see investment.
Like you, Farm Credit
understands the value of
the forestry industry and the
resources trees provide. Let
Farm Credit be a resource for
you. We’ve been your trusted
lender for nearly a century. Call
us—we’re the experts.
800-868-6404
www.aggeorgia.com
Financing available for:
• Small or large tracts of land
• Operating loans
• Equipment & machinery loans • Land improvements
• Trucks & vehicle loans
• Refinancing loans
The Perfect Farms
Reprinted with permission from Georgia Cattlemen’s Association. Article & photos by Bailey K. Toates, Director of Communications for Georgia Cattlemen's Association.
Matt & Danny Perfect are valued members of the Perry branch of AgGeorgia Farm Credit.
Families grow and traditions continue; this
has been the case for the Perfect family.
In 1957, Charles Perfect moved his wife
and three children from Croton, Ohio to
Elko, Ga.
“It started as an investment,” Ted
Perfect says. “Dad needed the whole family
to vote yes on moving.”
The 1960s were exciting times for the
Perfect family. The family farm started as a
dairy and “grew into beef cows” says Ted.
Approximately 55 dairy cattle and 35 beef
cattle grazed the original 1,300 acres. In
1962, the family built a new milking parlor.
Jane and Ted married in 1965, and things
only sped up from there.
Over time, the family grew, Laurie,
Matt and Danny were born. The boys
showed Limousin cattle and the influence
of the breed is still seen in the herd today.
Laurie showed hogs for a year.
As the farm expanded, the family
needed a more efficient way to produce
their own hay. Ted stumbled across the
Vermeer manufacturer at the 1971 state fair
in Macon. He quickly decided to purchase
a baler. He later learned there was not a
Vermeer dealer in the state and decided to
go into business for himself in 1972.
By the mid-1970s the family
was primarily a stocker operation,
backgrounding cattle on their overseeded
row crop land. The Perfects saw the oppor-
tunity and continued to expand the beef
side of their operation.
The farm marketed most of their cattle
through Farm Bureau for many years. Tom
Daniels was the Farm Bureau representative
that worked with the Perfect family. Once
Farm Bureau quit marketing cattle, Daniels
continued to help the family market their
cattle. Today, the family markets their
cattle as load lots on the internet through
Bluegrass Stockyards, Lexington, Ky.
Perfect Farms became an LLC five
years ago, when Matt and Danny took over
the business. Retirement suits Ted well. He
says his job is to “enjoy retirement and goof
off.” Danny focuses more on the equipment
sales and repair, and Matt predominantly
makes decisions concerning the cattle. The
business is still a family affair with Jane
taking care of the books.
“The responsibilities of the farm are
shared,” Danny says. “Everyone is willing
to step up and do what needs to be done.”
Approximately two and half years
ago the family sold the dairy portion of
Perfect Farms and began to focus on the
beef cattle and row crop sides of the farm.
Cattle numbers on the farm once exceeded
600 head.
“The price of cattle started going up,”
Ted says. “So we started selling down.”
The farm has grown to 2,000 acres
and 500 head of commercial cattle. The
AgGeorgia.6.Winter 2014
herd contains about 60 head of purebred
Angus cattle. Of the 2,000 acres, 400 to
450 acres are planted in corn, sorghum,
peanuts and wheat.
Perfect Farms keeps three separate herds.
“We have a white herd, a red herd and
a black herd,” Matt says. “The white and
red herds get the black bulls and the black
herd gets the white bull.”
Influences of Angus, Limousin,
Hereford, Simmental and Charolais
are present in the Perfect’s herd. Matt
explained that he does this for the sole
purpose of heterosis.
Heterosis is the phenomenon that
causes crossbred individuals to have an
increased level of performance for certain
traits over and above the average performance of their purebred parents.
Crossbred cattle tend to perform
better in various areas including growth,
maternal ability and average daily gain.
All of these areas are of importance to
Perfect Farms. Some of their cattle are
marketed and others are retained for
replacement heifers. They see the benefits
of crossbreeding first-hand because of
their involvement in several segments of
the industry. Perfect Farms strives to breed
the “perfect” progeny of crossbred cattle.
“The Charolais influence has been the
best cross yet,” Matt says.
Perfect Farms have found a reputable
source of Charolais bulls at the Tifton Bull
Test Sale for many years. They are currently
using bulls from Georgia Charolais breeders
Collins and Son and Bamboo Road.
The third generation is now running
the farm. Each generation has made
tremendous contributions to the success of
Perfect Farms. The family works as a team
to keep all segments of the farm working
like a well-oiled machine. After all, that is
their specialty. z
Each generation has made tremendous contributions to the
success of Perfect Farms. The family works as a team to keep all
segments of the farm working like a well-oiled machine.
AgGeorgia.7.Winter 2014
The Agricultural Economy in Transition
Dr. Dave Kohl
By Dr. David M. Kohl
The winds of change are blowing in the
industry may be in the economic third or
subsides to less than 7 percent, economic
agricultural economy. The great commodity
fourth, or early, innings of the cycle.
growth measured by GDP increases to 2.5
super cycle that has bestowed record
For timber, fruits, vegetables and
percent and inflation is above 2 percent or
horticulture, a positive sign is the slow
profits and paper wealth gains, particuincreases rapidly. If all three were to occur,
larly on the grain industry for a decade,
improvement of the domestic economy.
interest rates would increase, which is a key
is starting to subside. A convergence
Housing starts have been improving in
variable affecting profit and prosperity in
of events including the slowing of the
recent months, but this industry will be
American agriculture.
emerging nations’ economic growth, an
very dependent on the direction of the
While the winds of economic
10-year treasury rate, which can have a
easing of ethanol and biofuel mandates and
change are blowing, some current trends
favorable weather patterns in the southern
major influence on mortgage rates.
in agriculture will continue. The youth
movement with more young people,
hemisphere are resulting in increased crop
The winds of economic change could
women and minorities will bring new
inventories which in turn are reducing
affect land values and cash rents. Record
prices of commodities. Producers who
year-over-year land value appreciation
energy, critical thinking, and a sense of
have not developed and executed risk
up to 50 percent or 60 percent in some
entrepreneurship to agriculture. The
Midwest states could indicate an asset
management plans using forward pricing,
convergence of information, engineering
options or puts are now experiencing the
bubble ready to pop. If farmland values and
and bio-technology is in full bloom on
possibility of negative margins for the
cash rents were to decrease, the crosshairs
the American agricultural landscape. The
first time in many years. Analogous to a
would be in the Midwest and the upper
retail entrepreneurial movement of local,
baseball game, the
natural, and organic
grain industry may
agriculture, which
The convergence of information, engineering
be in the seventh
links to consumer
and bio-technology is in full bloom on the
or eighth, or late,
niche markets and
innings of the
segments, is alive and
American agricultural landscape.
economic cycle.
well. A disconnect
Switching gears to livestock and
Midwest with much less decline for the
between the general public and agriculture
poultry, resurgence is now starting to
East and West Coasts and the South. The
will continue with a more urbanized nation
occur. In recent years more prosperity in
reduction of land values will have a “delay
and public officials, which requires the
the grain industry has resulted in resources
button,” requiring back-to-back years of
agriculture industry to work together to
flowing out of the livestock and poultry
losses to force behavioral change amongst
demonstrate the importance of agriculture
industries. The result has been reduction
producers, and particularly landlords. In
to the economy, public and society.
of production numbers, which is now
other words, eventually reality will trump
The bottom line is that the winds of
shedding a favorable economic light on
hope with reduced prices and suppressed
economic change will increase the importhis side of the agricultural industry’s
margins, which in turn will diminish
tance of management skills as producers
ledger. With the possibility of strong prices
working capital, equity positions and the
navigate the dynamic environment. The
ability to operate in a profitable manner.
combined with reduced input costs for
importance of forging a strong bond between
feed and fertilizer, top managers in this
Another critical variable that is affected
the producer and lender will be critical
as players and stakeholders proactively
segment could be in a position to garner
by the winds of economic change is interest
some profitable years. Drawing on the
rates. Expect even less economic stimulus
navigate through the economic turbulence
baseball analogy again, this side of the
that may be converging on the horizon. z
from the Federal Reserve if unemployment
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.8.Winter 2014
Outstanding in the Field.
Meet our Quitman staff—Branch Manager Jared Renfroe and staff serve
Brooks, Echols, and Lowndes Counties, keeping alive the tradition
of nearly a century of excellent service from Farm Credit. Whether
you need an operating line of credit, capital for farm improvements,
or funds to purchase real estate, equipment or livestock, they have
the knowledge and experience necessary to keep you in the field.
We’ve got you covered—Land, Operating Expenses, Equipment Loans.
Call us today!
In Mrs. Betty Elsberry’s sunflower field, from the left: Ryan Coleman, Betty Elsberry, Jared Renfroe
504 East Screven Street
Quitman, Georgia
229.263.7551
www.aggeorgia.com
To receive the discounts, make sure you
To
receive
the discounts,
sure
you and
identify
yourself
as a Farmmake
Credit
Member
identify
yourself
as a codes
Farm Credit
Member
provide the
discount
as listed
below.and
provide the discount codes as listed below.
1-800-FLOWERS®
1-800-FLOWERS®
Flowers, plants, gift baskets, etc. Go to 1800flowers.com or call 888.755.7474. Use discount code FCCS to receive a
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ADT
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AgGeorgia.11.Winter 2014
Meet the Shealeys:
A Farm Family’s Introduction to Co-ops
By Corey Cottle
For Echols County Extension Agent Justin
Shealey, the influence of agriculture has
been a constant presence throughout his
life. Growing up on the family farm in
Adel, Ga., Justin became acquainted with
farming and hard work at an early age.
He recalls feeding cows and driving highpriced tractors at the age of 6, the kind of
work that develops responsibility ahead
of schedule. He credits that experience for
preparing him to be an extension agent, and
wants to pass that experience on to his son
Luke, nearly two years old.
However, with increasing numbers
of Americans being two or more generations removed from the farm, familiarity
with agriculture and stories like Justin’s
are becoming less and less common. Such
was the case with Justin’s wife, Mandi, who
grew up in Kennesaw without a farming
background. The couple met as students
at Abraham Baldwin Agricultural College
in Tifton. While Mandi’s educational path
to becoming a pre-k teacher led her out of
the suburbs of Atlanta to a college in South
The Shealeys on their farm in Adel
“I have always known
and appreciated where
my food comes from
but I never knew exactly
how much work and
risk was involved in
producing it.”
~Mandi Shealey
AgGeorgia.12.Winter 2014
Luke Shealey following in Dad’s footsteps
“The [2013 Co-op Education] conference
[for Couples] was good to ultimately see
how everything comes full circle.”
~ Justin Shealey
Justin & Mandi at Lake Chatuge
Georgia that revolves around agriculture,
her knowledge of farming was still virtually
non-existent until the couple began dating.
“I have always known and appreciated
where my food comes from but I never
knew exactly how much work and risk
was involved in producing it,” said Mandi.
Justin was happy to introduce her to
agriculture. “She didn’t know much about
farming but liked going out to the farm,
riding on the tractor and was interested
in learning about crops,” said Justin. Still,
she preferred to have a hands-off approach
to the operation even after the couple was
married, especially when it came to the
financial matters of the farm.
The Shealeys’ farming operation
currently consists of 130 acres of cotton, 45
acres of wheat, and a small herd of Angus
and Brangus cattle. Members of AgGeorgia
Farm Credit since 2011, they have steadily
grown their operation while keeping it
at a manageable size in consideration of
both the Shealeys’ full-time jobs. Justin
credits AgGeorgia’s Joel Pitts with helping
them expand. “Joel got us started when
we didn’t have anything [for the farm]
but a tractor and hay baler,” said Justin.
“Everything else was borrowed from my
father and grandfather.”
As the Shealeys’ operation grew, so
did Justin’s desire for his wife’s participation in the farm. So when Joel Pitts
called and presented the opportunity
for the couple to attend the 2013 Co-op
Education Conference for Couples, the
Shealeys jumped at the chance. Held in
August at Ridges Resort & Marina on Lake
Chatuge, the conference’s main focus is
to educate concerning the economic and
service benefits of co-ops and the differences between cooperatives and corporations. The event is open to cooperative
members from several southeast states, and
couples are sponsored by the respective
co-ops to which they belong. In addition
to the opportunity to network with other
cooperative members and leaders, the
conference also extends the opportunity
to learn about the history of cooperatives,
the different types (Electrical Membership
Cooperatives or EMCs, farm supply
co-ops and credit cooperatives such as
Farm Credit), and the benefits of these
arrangements. Sandwiched around a trip
to Brasstown Bald and some relaxing time
on the lake, the Shealeys were able to meet
other couples from North Carolina, South
Carolina, Kentucky, and Virginia. They
collectively gained a greater appreciation
of how co-ops play a role in the daily life
of farmers. “The conference was good to
AgGeorgia.13.Winter 2014
ultimately see how everything comes full
circle,” said Justin. “Funds from co-ops like
Farm Credit purchase crop inputs from
the local farm supply co-op, which then
produce the crop you sell to pay off your
operating loan and feed your family.”
As for Mandi, learning about co-ops at
the conference made her want to be more
involved in the daily finances and details
of the farm operation. “I was nervous about
handling the books at first, but it has been
fun seeing and learning how the finances
for the farm work.” Justin wouldn’t have
it any other way. He is perfectly suited as
an extension agent, just as content to see
others’ knowledge of farming grow as he
is to spray cotton or feed cows. z
Luke and Justin share a ride on a module builder.
Association News
Director Positions
Promotions
Glee C. Smith has been appointed as an
outside director. A native of Warrenton, Ga.,
she obtained her undergraduate degree from
Randolph-Macon Woman’s College, her
law degree from Samford University, and is
an active member in good standing with the
Georgia Bar Association.
Donna Perrin has accepted the position of loan
officer for the Tifton Branch. Donna began with
Farm Credit in August 2013 as a loan specialist.
She has more than 29 years’ experience in
accounting and finance.
AgGeorgia is also pleased to announce the results of the recent
Director Elections and congratulate the successful candidates.
For the six Director positions expiring December 31, 2013, all six
current directors were re-elected to their respective positions for a
three-year term. These were: Edward M. Beckham II of Perry; Billy
J. Clary of Cordele; Guy A. Daughtrey of Lenox; J. Dan Raines Jr. of
Ashburn; David H. Smith of Cartersville; and Franklin B. Wright
of Talking Rock.
Linda Sapp has accepted the branch manager
position for the Dublin Branch. She has been
employed with AgGeorgia since July 2003 and
has served the Dublin office in customer support
and as a loan officer. Linda has more than 28
years’ experience in the financial industry.
Rhonda Shannon has accepted the position of
marketing communications and advertising
specialist. She joined AgGeorgia in 2003 as a
secondary market mortgage loan originator and
in 2008 expanded her career by becoming a loan
officer with the Tifton Branch. She has several
years’ experience in finance and marketing.
Edward M. Beckham II
Billy J. Clary
Guy A. Daughtrey
J. Dan Raines Jr.
David H. Smith
Franklin B. Wright
Joe Taylor has accepted the position of branch
manager for the Washington Office. Joe began
his AgGeorgia career in the Royston branch,
and after nine years transferred to Washington
in 2012.
Staff Update
Emily Reece has relocated from the Chatsworth
office to the Perry corporate office to join the
SAM department. She began her AgGeorgia
career as an intern in the Tifton branch while
a UGA student on the ABAC campus.
AgGeorgia.14.Winter 2014
AgGeorgia Farm Credit
Financial
Reports
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.
New Staff
William Gable began
his Farm Credit career
in the Royston office
as a loan officer. Originally from Barnwell,
S.C., William is a
graduate of Clemson
University with a
masters of science in applied economics
and statistics. He brings with him several
years of financing experience.
Jane Kennedy joined
our staff as an administrative assistant. She
will be working in the
Perry corporate office
and has more than 20
years of accounting
and administrative
experience in the construction and banking
industries. Jane has an associates degree in
accounting from Cincinnati Technical College.
Jamie Sheffield is a
loan officer in the
Dublin branch, and
has been involved
in ag financing since
September 2011. Jamie
is a graduate of Georgia
Southern University
with a bachelors degree in finance.
Tamara Shrable joined
the Perry branch
office as a loan officer.
She has more than
seven years banking
experience, and has a
bachelors of international business degree
from Johnson & Wales University.
Ignatius (Nash)
Murph joined
AgGeorgia Farm
Credit’s Perry branch.
He is a graduate of the
University of Georgia
with a bachelors of
business administration in banking & finance. He has several
years financing experience.
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.Winter 2014
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. z
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 COUNTY
BURKE COUNTY
Perfect hunting preserve, 257 acre tract. Planted
WORKING POULTRY FARM IN ALTO GA. This is a
18.5+/- acre poultry farm currently in operation with
Mar Jac. According to Banks County Tax Assessors
there are (4) 400 X 36 chicken houses, (3) 400 X 40
chicken houses , 28 X 48 home, 24 X 18 workshop
and a 36 X 18 tractor shed. There are 2 wells on the
property with Baldwin City water at the road. The
home has handicap access, 3 bedrooms and 2 full
baths. It’s total electric with a standing gas log heater
and a 100 gallon water tank. There is also an attached
garage. The shop has water and is heated by propane
and has an AC window unit. Owner is extremely
motivated. Call Kathy Bolling at United Country
770.601.3974 or 678.963.5390
pines, beautiful pond, huge enclosed shop, 4bdr
hunting lodge with some cleared acreage for cattle or
agriculture. Additional 1924 acre tract in the wetland
preserve program. This tract has approximately 200
acres in planted pines. Call Brenda DeLoach with
Southern Traditions Realty 229.507.0622.
Small Farm, 56 acres with cabin. 12 acres of
thinned 21 yr. old pines, small catfish pond,
outstanding hunting on paved road, 12 miles west of
Waynesboro, several options pursuant to property.
$239,000.00. Contact J. Lou Schlein 706-830-7959
[email protected]
COFFEE COUNTY
BERRIEN COUNTY
Absolutely gorgeous 345 acre tract fronting the
Satilla River and Wiggins Creek! This is a hunter’s
Beautiful Alapaha River front property. Approx
320 acres with some home site. Great hunting tract.
Fronts on Hwy 129. Contact Southern Traditions
Realty at 229-686-1712.
dream with areas perfect for quail hunting, deer,
turkey...you name it! 20-30 year old planted pines
perfect for future income, gorgeous oaks, good interior
roads. Gorgeous home with top of the line everything,
huge rooms, fireplace in den, open floor plan, huge
master suite, office and craft room, huge 50 X 30
Barn and 20 X 20 heated and cooled shop. Can be
subdivided and purchased with or without the home.
Call Brenda DeLoach with Southern Traditions
Realty 229.507.0622.
AgGeorgia.17.Winter 2014
Horse or Cattle farm with excellent Deer and
turkey hunting. Borders on Hog Creek on the west
side. Fenced and cross fenced, pastures are all in Alicia
Bermuda grass. Two bedroom one bath farm house,
mobile home, deep well, 50 x 90 metal barn with
concrete floor, two storage buildings. There are 2
ponds stocked. Very private yet only 4 miles to
Nicholls, 16 miles to Douglas, 10 miles to Alma and
26 miles to Waycross. Beautiful rolling pastures with
scattered oaks, a must see to appreciate. Call Brenda
D e L o a c h w i t h S o u t h e r n Tr a d i t i o n s
Realty 229.507.0622.
Colquitt County
19 Cherokee Road, Moultrie, GA. Luxury home
This property is on a paved road just 1 mile off
US Highway 319, about a mile south of Norman
Park, Georgia in Colquitt County. A total of 7.7
acres for $34,900. It has 600 feet frontage on Bear
Creek Road and goes 560 feet deep. Originally it was
2 lots. If divided into 2 lots you could have a single
family dwelling on each lot. Mobile homes are
allowed. MLS#117745 Call Ronnie Dunn at Century
21 Smith Branch & Pope 229-388-7283
- pre-qualified buyers only. 2913 sf, 4 BR/3 full
Baths/2 half Baths, Extras such as Mahogany wood
walls in study - Heart pine flooring - granite
countertops- Unique home $610,000 - MLS#903289
- Call 229-985-3032.
Berlin – 236 Langford. 2 BR/1BA fireplace, large
corner lot, priced in the $40’s. MLS #903257
Wiregrass Subdivision – 3 Bracken Drive. 4
Shadowood Subdivision – 153 Shadowood Drive.
362 CO Kennedy Road, Moultrie, GA. 7.5 acres
with 1,736 sf home. 3 BR/2 BA. 30 x 40 Garage/
Shop. Great investment potential $119,900. MLS#903051 Call 229-985-3032
New listing, 3 BR/2 1/2 Bath Family Rm, Sep Dining
Rm, large Kitchen with lots of cabinets, laundry/work
room, hardwood floors, floored attic. $325,000 MLS
#903660. Browning Brass Key
Realty 229-985-3032.
BR/2BA, large dining room – kitchen combo, family
room, fenced yard, 2 car garage, $172,000 MLS
#903281
Wiregrass Subdivision – 2 Bracken Drive.
Executive home with 3 BR/2 ? BA LR/DR, Family
room, Sunroom, large kitchen, workshop in fenced
back yard. $234,900 MLS #903155 Wiregrass Subdivision – 24 Wiregrass Circle. 3
BR/2BA, great room with vaulted ceiling, sep dining
area, screened porch, fenced back yard, 2 car garage
- $155,000 MLS #903092.
Cook County
Southgate Condominiums – 1720 Eastview Lane.
2 Old Tram Road, Moultrie, GA. Executive home
in one of Moultrie’s finest neighborhoods! 5 BR/3
1/2 Baths, exquisite décor, perfect for entertaining. $360,000 MLS#903066 Call 229-985-3032. A great price at $85,000, corner lot, cathedral ceiling,
covered patio, will have new roof, new central heat
and air – MLS 903385
Rosemont Condominiums – 309 Floral Drive.
2 BR/2 BA, LR/DR, kitchen , LR/DR, Kitchen,
den - $110,000 MLS #902964
Rosemont Condominiums – 313 Floral Drive. 2
BR/2 BA LR/DR, Kitchen, den, $110,000 MLS
– 902965
1363 GA Hwy 133 South, Moultrie, GA. 3 BR/2
BA w/family room new kitchen countertops,
remodeled bathroom, new paint throughout - fenced
in backyard with storage building. $89,000 MLS#903452 - Call 229-985-3032
AgGeorgia.18.Winter 2014
Large 2.26 acre building lot in an established
residential neighborhood in Adel, Georgia. It’s
on a paved street and the city provides water and
sewer in this area. Requires only 1500 sf minimum
heated. Not zoned for mobile homes. $28,000 MLS
#121555 call Ronnie Dunn at Century 21 Smith
Branch & Pope 229-388-7283.
ELBERT COUNTY
Emanuel County
MUST SEE PROPERTY! This rolling pasture w/year
Calhoun drive, extremely private location on
59.75 +/- Acres. Wooded with a nice creek, 3
bedroom 2 bath home on a full basement, hardwood
and tile flooring, reduced $299,900. Contact Kenneth
Savage at Savage Real Estate & Auction Company at
770-718-8297 www.savagerealestate.com #3124
568 acre recreational timber investment located
on Hwy 56 and the Little Ohoopee River. 158 acres
of 1989 PP, 115 acres of 2007 PP, balance in hardwood
and ildlife plots. Tract has been prequalified for a
conservation easement. Great turkey and deer tract.
$1500per acre. 478-214-0559 johnbickley@
comsouth.net.
around mountain views is spectacular. Includes 24+
acres, a branch running thru it and pond site. Located
near the hospital but very private. Also has nice
2BR/1BA home in good shape. This very special
property is a sleeper! $199,900 (100783) Marty
706-839-7118
FRANKLIN COUNTY
MOUNTAIN TOP!! Golden opportunity with
Big Buck Tract: 195 acres. Nice hardwoods provide
excellent wildlife habitat. Investment opportunities
with 140 acres of planted pines. Camper and storage
bldg. included. $1,950/AC. Contact Eddie Drinkard,
706-318-3636, email:[email protected], or
visit website:DrinkardRealEstateSales.com
Crump Mill Road, beautiful secluded land.
25.78 +/- Acres with 2 creeks and a duck pond
property is 70% pasture and 30% wooded with plenty
of wildlife. $128,692. Contact Kenneth Savage at
Savage Real Estate & Auction Company at 770-7188297 www.savagerealestate.com #3124
uncommon privacy. 5BR/3.5BA ideal sanctuary just
waiting for you. Hardi-plank and stone exterior. Huge
workshop, finished terrace level and two wood stoves.
Easy to make pasture if wanted, 40x60 barn w/power,
water and full RV hookups already in place. Miles of
trails for riding and hiking. Situated on 30+ acres
with mature hardwoods. More acreage available.
$895,000 (100540) Ruth 706-499-4702
Williams Bridge Road, 280 +/- acres. Great
location property lays well priced to sell $697,200.
Contact Kenneth Savage at Savage Real Estate &
Auction Company at 770-718-8297 www.savagerealestate.com #3124
Habersham County
Long Cove at Lake Russell, 186.29 acres. 4,700
feet of Corps of Engineers frontage. Some property
lines are within 250 to 3200 feet of the
shoreline. Individual tract sizes are 91.94 acres priced
at $295,000 and 94.35 acres priced at $375,000. Private gated entrance fronts on Dry Fork Landing
Road and is located 13 miles from Elberton. Property
is located 1 mile from public boat ramp and within
sight of Lake Russell Park and Arrow Head Point
Golf Course. Beautiful hardwoods and winding
stream through bottom provide an ideal habitat for
deer, turkey and small game. Several established
wildlife food plots. Merchantable pine timber
provides for present and future income. Graveled
interior roads provide easy access and good ATV
riding. Contact Eddie Drinkard, 706-318-3636,
email:[email protected], or visit
website:DrinkardRealEstateSales.com
BEAUTIFUL 19+ ACRE FARM!! Just No. of Clarkes-
ville, GA!! Home is 4-Sided Brick, 3BR/2BA, tongue
& groove sun room, open floor plan, large master,
hardwood floors throughout, FP, country kitchen,
2-car garage. Property is mostly rolling pasture. Extra
large shop/storage bldg. & large equipment shed.
Deep creek frontage. $399,900 (99313) Bill Camp
706-499-4720
SPECTACULAR - Special 27 acres! Features 20
acres in pasture, the rest in hardwoods, 2 nice branches
and a lot of fencing. No prettier small farm in
Habersham County, very convenient location.
$214,000 (100294) Bill 706-499-4720
AgGeorgia.19.Winter 2014
HANCOCK COUNTY
Houston County
Cedar Lane, 12.52 acres. What a great place to
58.65 acres. 8 acres dove field, 2 smaller fields,
creek, mature hardwoods, cabin, pole barn, storage
building. What more do you need? Priced at $1,995
per acre. Contact Town & Country Real Estate @
478-552-5681 or www.tandcrealestate.com
525 acre irrigated farm in Houston County, GA.
Paved frontage with good fertile soils. Located on
Hwy 26/Scott Road/Jersey Road. Two ponds. 4
pivots/1 well. 318 acres irrigated, 66 acres in long
leaf pines, 32 acres merchantable pine timber, 15 acre
homestead, 80 acres natural timber. $3648 per acre.
478-214-0559 [email protected]
build! Private wooded land bordered by two creeks.
Minutes to Athens and Royston. Priced
at $93,900. Call Deborah Burdette at Burdette Realty
office 706-795-3600 or cell 706-207-2825.
OGLETHORPE COUNTY
IRWIN COUNTY
40 acres. 11 miles West of Sparta, GA with 1,453
feet of frontage in Glen Harper Road. 25’x36’ pole
barn with electricity. Three creek bottoms and good
interior road system. All marketable timber has been
cut. $1,195 per acre. Contact Town & Country @
478-552-5681 or www.tandcrealestate.com
Harris County
Eades Road Tract, 440 Acres. Outstanding timber,
Absolutely gorgeous homeplace or recreational
tract! Beautiful 32 acres of established coastal
bermuda pasture for horses, cows or extra income.
Approximately 94 acres of pines and hardwoods
bordering a small creek and surrounded by large tracts
makes this a perfect recreational tract! Abundance of
deer, turkey and other wildlife! Includes 3br, 2ba,
mobile home and a large equipment shed. Contact
Southern Traditions Realty at 229-686-1712.
beautiful creek and hardwood bottom. Interior roads
and food plots. ONLY $1,995/AC. Contact Eddie
Drinkard, 706-318-3636, email:eddie.drinkard@
gmail.com, or visit web site: www.DrinkardRealEstateSales.com
Madison County
Buffalo Creek Tract, 356 Acres. 2 Bedroom Cabin,
150 acres pasture, merchantable pine timber, 48’ x
60’ barn. Great Hunting! Price Reduced to $2495/
AC. Contact Eddie Drinkard, 706-318-3636,
email:[email protected], or visit web site:
www.DrinkardRealEstateSales.com
116 Longleaf Way Callaway Gardens - Pine
Mountain, GA. 2 BR/2 1/2 BA home on .3 acres. Beautiful home for permanent home or vacation
home. All the extras with Community Swimming
pool and recreation area. $250,000 MLS#902534
Call 229-985-3032.
McGee Fitzpatrick Road, 74.61 acres. This
property is located with in minutes of Commerce,
Banks Crossing, Ila and Athens. Paved road
frontage, wooded with some open pasture, two creeks
that run into one. This property would make a great
farm. Priced at $313,362. Call Gerry Burdette at
Burdette Realty office 706-795-3600 or cell
706-207-2820.
Sandy Cross Farm, 108.53 Acres. Beautiful 35
acre pasture; 35 acres in cultivation; 25 acres in
planted pines; 2 streams, pond site. Ready for cattle
or horses. $3,950/AC. Contact Eddie Drinkard,
AgGeorgia.20.Winter 2014
706-318-3636, email:[email protected],
or visit web site: www.DrinkardRealEstateSales.com
Tift County
PICKENS COUNTY
An escape close to town. Lot is an ideal place for
Popular neighborhood North of Tifton 5 bedrooms
and 4 baths. Upstairs has just been finished and has
Stivers road, bank owned and very motivated.
153.98 +/- Acre tract of pasture and woods. Rolling
acreage with lots of road frontage. $550,000 Contact
Kenneth Savage at Savage Real Estate & Auction
Company at 770-718-8297 www.savagerealestate.
com #3124
Taylor County
2 bedrooms with large closets, an office (needs floor
covering) and a full bath along with lots of easy access
attic storage. This home has a 2 car garage, screened
in back porch, concrete patio, fenced back yard and
the large swing set will stay for the kiddies. Stainless
steel kitchen appliances will stay. $205,000. MLS#122119 Call Ronnie Dunn at Century 21
Smith Branch & Pope 229-388-7283
a home site. Property consists of 12 acres with 5.5
acres of vineyard and has pecan trees that can be
harvested. Take advantage of the beautiful vineyard
and enjoy extra income. There is a septic tank in place.
$110,000.00. Call Traci Haswell (229) 848-2453
Must See – 3 BR/2 1/2 baths, 2,768 sqft, sits
on 6.34 acres. Elegant home is in excellent condition
255 acre recreational timber investment
property, Located in a prime location. Cabin with
utilities, Grain bin, horse shed, well, 135 acres planted
pines,45 acres crop land, small pond. Paved frontage
with Gates. Deer, turkey and doves. $1450 per acre.
Bickley & Assoc. 478-214-0559 johnbickley@
comsouth.net
Tifton’s most popular Northside neighborhood. 815 48th Street. Over 1800 sf heated, split floorplan
all appliances included, even the washer and dryer,
fireplace, security system and underground sprinklers. Hardwood floors, ceramic tile and carpet. 12 X15
outside storage building, privacy fenced rear yard, &
2 car garage. $159,900 MLS 122510 Call Ronnie
Dunn at Century 21 Smith Branch & Pope
229-388-7283.
THOMAS COUNTY
featuring an open floor plan with solid pine floors,
pine trim throughout home and custom oak cabinets.
The bonus room above garage is approx. 670 sq. ft.
with electricity and access to plumbing. Master
bedroom is approx. 21 x 16 with a large walk-in closet,
a custom designed closet organizer, and outside access
to the back porch. Also has a roomy whirlpool tub,
walk-in shower and a linen closet. Bedrooms are
approx. 13 x 18 with useable dormers and two
spacious closets. 2010 roof has 35 year architectural
shingles. Walls throughout home are insulated for a
superior sound barrier and climate control. Home
has an attic fan capable of cooling entire home, gas
fire place, sprinkler system and security system. Two
story barn measures 24 x 34 with two stalls, slab
foundation, electricity, two bay doors and standard
side entry. Rear property is enclosed with electric
fence. Decorative vinyl fence features night lighting
creating an attractive entrance. $305,000.00. Call
Traci Haswell (229) 848-2453
Brick home in Omega under $70,000. 119 Oak
2087 Baker Rd, Coolidge GA 31738. A Truly one
of a kind property located between Moultrie and
Thomasville . Nestled on 10.75 acres you will find
this completely renovated cabin, a large horse barn
with 6 stalls and lots of storage space. The cabin is
full of charm and personality offering 2 bedrooms,
1.5 bath, open living room and eat-in area.
Throughout the home is natural colored wood giving
the cabin a warm and cozy feeling. Fenced pasture
great for horses or livestock. Excellent location for
horse riding. Mature pecan, fig, peach trees and grapes.
MLS # 903398. Call Dena Jackson @ The Slocumb
Company. 229-985-9331 or 229-456-3081
Street with all new double pane vinyl insulated
windows installed in 2009. Lifetime metal roof
installed in 2012. New HVAC motor in 2013 and
reinsulated the attic in 2013. Dishwasher, stove and
refrigerator will stay along with 2 10X10 storage
buildings. Fenced back yard, mature pecan tree and
a wonderful playhouse for the children. MLS 122619 Call Ronnie Dunn at Century 21 Smith Branch &
Pope 229-388-7283.
AgGeorgia.21.Winter 2014
One of a kind three story home on 45 acres with
five bedrooms three and a half baths and approx.
4,678 sq. ft. Custom brick entry with a paved and
concrete drive. Eextensive detail throughout with
wood flooring that is refurbished antique heart pine.
Stain and leaded glass is integrated throughout the
home, no expense was spared in the molding around
the door ways and crown molding. A Rinnai natural
gas water heating system was added in 2009. Two gas
log fireplaces both featuring refinished antique solid
oak wood mantels. Surround sound throughout home
including the master suite porch. The master suite
has two walk-in closets with mirrored sliding doors
(one having a custom designed closet organizer),
sitting area, oversized whirlpool tub bordered by floor
length stain glass windows, walk-in shower and private
screened-in brick porch with double sliding glass
doors and as stated surround sound. Kitchen features
granite counter tops, walk-in pantry, tin ceiling,
commercial gas stove with electric double oven, built
in Subzero side by side refrigerator/freezer and work
island. Build in full freezer is located in the utility
room. Bar area includes built in cabinets, granite
counter tops, barstool space, saloon café doors and
ice maker. The detached garage is approx 1200 sq ft.
with 3 bay doors, standard door entry, central heat
and air unit, custom cabinets and attic storage.
Property is minutes from town, schools and hospital.
Seller is willing to sell property with less acreage.
$895,000.00. Call Traci Haswell (229) 848-2453.
one of the barns there is an overhang that was built
for the alpacas. The home is a 5 bedroom/3 bath split
level that has been recently updated with numerous
upgrades. The kitchen has hardwood floors, granite
countertops and a tile backsplash; the breakfast room
has custom benches with storage below; the family
room is open with lots of natural light and trey
ceilings. Off the back is a huge deck with beautiful
views of the pastures and woods. Downstairs has
oversized bedrooms, den and a bar. The security
system has a sensor for any broken glass. $289,000
Call Sue Vetsch at United Country 678.963.5390 or
678.410.8793
WASHINGTON COUNTY
WHITE COUNTY
Sandy flats road – bank owned and ready to make
a deal. Beautiful and secluded 292 +/- acres with a
stream and a pond. $1,449,000 Contact Kenneth
Savage at Savage Real Estate & Auction Company at
770-718-8297 www.savagerealestate.com #3124
Walton County
5796 Smith Robson Road – GREAT BUY! Country
home with 11.61 acres just 9 miles from Sandersville.
(between Sandersville and Milledgeville). 3 Bedrooms,
2 Baths, horse barn, pole barns, abundant fruit trees.
$189,000. Contact Town & Country Real Estate @
478-552-5681 or www.tandcrealestate.com
HORSE FARM WITH A RESIDENCE CLOSE TO GIHP.
This property is 10.25+/- acres and has a 4 stall barn,
2 large foaling stalls, a large pasture and 5 paddocks
all with horse safe fencing and water. Includes a lighted
arena, hot walker for 6 horses and l tack room and
workshop. Also out back is a fenced dog area. The
home has rocking chair front porch, an open living
room with built in bookcases and a fireplace. The
kitchen has been updated with counter tops and
fixtures. The Master suite is roomy and has a new
master bath along with his/her closets. A sun room
off the back that overlooks the property. $249,900
Call Sue Vetsch at United Country 678.963.5390 or
678.410.8793
37.36 CAREFULLY TIMBERED ACRES! In south-
eastern White County. Quality hardwoods remain.
Branch runs across rear of property. Approx 2,000 ft
on paved county road. Unrestricted. Magnificent
seasonal long range views. Full-time seclusion possible
for a perfect estate or two, or subdivision possible off
county road. Easy access from Cleveland, Clarkesville
or Cornelia – just a hop away from Hwy 985.
$250,312 (99020) Rose Mariee 678-776-7437
WILKINSON COUNTY
1723 Riddleville Mt, Moriah Road. Beautiful
country home on 56.72 acres. Open pasture,
woodlands, planted long leaf pines, fruit trees, pecan
trees, and barns. Home completely remodeled in
1998. 4 Bedrooms, 3 Baths, Family Room with
fireplace. Great master bedroom suite. $310,000.
Contact Town & Country Real Estate @ 478-5525681 or www.tandcrealestate.com
1,094.96+/- Acre Recreation Tract in Wilkinson
County on Oconee River. The tract is located
HORSE & EXOTIC FARM WITH HOME IN WALTON
COUNTY GA. Perfect little farm nestled back off the
road on 4.991+/- acres, mostly pasture fenced and
cross fenced. It has a 4 stall run in barn with gates,
an additional run in stall is attached to the utility
barn that also houses hay, feed and trailer storage.
Another 8x10 barn is currently being used for
chickens. Electricity and water runs to all of the barns
currently being used for alpacas and horses. Off of
497 Dixon Grove Road. 2 story brick home on 16.6
acres of beautiful pasture. 4 Bedroom, 3 Baths, great
closet space, and 2 car garage. $225,000. Contact
Town & Country Real Estate @ 478-552-5681 or
www.tandcrealestate.com
AgGeorgia.22.Winter 2014
approximately 10.6 miles southeast of Toomsboro,
GA. Acreage consists of 2 different tracts: The Pond
Tract and River Tract. The Pond tract contains
approximately 350 acres of planted pines, an approximate 13 acre fully stocked pond, and an approximate
10 acre dove field. The River tract is a mixture of
hardwoods, cypress and cut over and has approximately 1.5 miles of frontage on the Oconee River.
Electrical power, deep well and septic field are in
place. There is an approximate 3,600 square foot
metal storage building on slab. Additional chattel is
included. Contact Bruce Elliott at Bruce Elliott &
Associates, Inc., 478-746-0700 or [email protected]
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balances and recent transactions.
Plus, you can make payments
and transfer funds to an external
checking or savings account.
www.aggeorgia.com
In order to use the mobileRoots app, you must first sign up for AccountAccess online at www.aggeorgia.com.
mobileRoots is a trademark of AgFirst Farm Credit Bank. Android is a trademark of Google Inc. Apple and iPhone are trademarks of Apple Inc.
PRSRT STD
U.S. POSTAGE
AgGeorgia Farm Credit
P.O. Box 1820
Perry, GA 31069
PAID
COLUMBIA SC
PERMIT 1160
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