Real Estate Offered for Sale

							 BANK OWNED REAL ESTATE
     LISTED FOR SALE

Residential Properties and Vacant Land




                         AS OF 09/24/10
       Bank Owned Real Estate For Sale                     Page 2




                         97 Travelers Way, Richmond Hill, GA
                         • 1,700 square feet home on 2.35 acres
                         • 3 bedrooms / 3 bathrooms
                         • Private horse paddock with three
                         stalls located adjacent to the Ford
                         Plantation Barn

                              Contact: The Ford Plantation Realty
                                                  (912) 756-5666
Price: $849,000



                     Lot 16 Ridge Crest, Rincon, GA
                     •  Developed half-acre lot in Effingham
                     County, ready for construction.
                                         Contact:Carolyn Sanders
                                             First Effingham Bank
                                                   (912) 826-5800
Price: $56,000


                     Lot 17 Ridge Crest, Rincon, GA
                     •  Developed half-acre lot in Effingham
                     County, ready for construction.
                                         Contact:Carolyn Sanders
                                             First Effingham Bank
                                                   (912) 826-5800
Price: $56,000


                     Lot 18 Ridge Crest, Rincon, GA
                     •  Developed half-acre lot in Effingham
                     County, ready for construction.
                                         Contact:Carolyn Sanders
                                             First Effingham Bank
                                                   (912) 826-5800
Price: $46,000


                     Lot 19 Ridge Crest, Rincon, GA
                     •  Developed half-acre lot in Effingham
                     County, ready for construction.
                                         Contact:Carolyn Sanders
                                             First Effingham Bank
                                                   (912) 826-5800
Price: $46,000
          Bank Owned Real Estate For Sale                            Page 3




 Offered at:
 $75,000 / acre - large parcel
 $175,000 / acre - small parcels

32.09 Acres—Northridge Commercial Park
Rincon, GA
• Prime Commercial Location
• Fully developed roads, utilities, and detention
• Adjacent to Lowe’s Home Center
                                                    Contact: Danny Chase
                                                     (912) 233-7111 x 112
                                                      Colliers Neely Dales
        Bank Owned Real Estate For Sale                       Page 4




Offered at $1,000,000
88.06 Acres known as Barrister Circle
• Located on Courthouse Road in Effingham County
• Water is available at this property through a well
                                            Contact: Carolyn Sanders
                                                First Effingham Bank
                                                      (912) 826-5800
        Bank Owned Real Estate For Sale                       Page 5




Offered at $9,500,000
600 +/- Acres on Lake Sinclair, A Gated Resort Community
The Sanctuary on Lake Sinclair
Hancock County, GA
• Phase I Development is complete with water, power, phone, TV and
    roads.
• Construction of a 6,000 square foot Club House has been completed
• 3.2 miles of lake shoreline. 174 Phase I Lots.
• http://www.cimls.com/data_sale/documents/flyer_69121.pdf for
    more information.

                                                Contact: Patti Burns
                                                     (478) 803-4120
                                              Fickling and Company
         Bank Owned Real Estate For Sale                     Page 6




Offered at $79,900
0.430 Acre Lot
Westbrook at Savannah Quarters

•   Great lagoon view homesite on cul-de-sac
•   Private, gated golf community
•   Partially wooded, level lot


                                               Contact: Traci Amick
                                                    (912) 692-1085
                                                 Ben Farmer Realty
         Bank Owned Real Estate For Sale                        Page 7




Offered at $99,900
9.94 Acres
Springfield, GA

•   Property located on GA Highway 119, just north of central business
    district of Springfield
•   Zoning: B-1 General Business
•   Income generated from billboard lease
•   Good location for convenience store
                                            Contact: Carolyn Sanders
                                                 First Effingham Bank
                                                       (912) 826-5800
        Bank Owned Real Estate For Sale                       Page 8




Offered at $225,000
74.75 Acres
Effingham County, GA

•   Property located off Hwy 119, south of Clyo, GA
•   Tract well suited for recreation/hunting

                                            Contact: Carolyn Sanders
                                                First Effingham Bank
                                                      (912) 826-5800