O. Mitchell Smith

Heritage Financial Group provides financial services to individuals and small to mid-sized businesses. The lending activities of the Group include residence loans, multi-family residence loans, commercial property loans, consumer and commercial business loans. The Group offers deposit accounts having different interest rates and terms, which generally include savings accounts, money market deposits, term certificate accounts and checking accounts. The Group operates through six full service banking offices in Albany, Georgia, and Dougherty, Lee, Mitchell and Worth counties in Georgia. It provides investment products, life, health, disability and long-term care insurance. The company was founded in February 2002 and is headquartered in Albany, GA.

Heritage Financial Group, Inc. operates as a bank holding company, which provides commercial banking, retail banking, mortgage banking and wealth management activities through its subsidiary, HeritageBank of the South. It provides credit based products, deposit accounts, corporate cash management, investment support and other services to commercial and retail clients. The company operates its business through two segments: Banking and Mortgage Banking. Heritage Financial Group was founded in May 2010 and is headquartered in Albany, GA.

Heritage Bank of the South provides commercial banking services. It offers online, personal banking, investment and commercial banking services. The company has operations in Albany, Sylvester, Reidsville, Collins, Ocala and Lake City. The company was founded by Brad Smith in 1999 and is headquartered in Albany, GA