UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of Earliest Event Reported): September 22, 2004 SOUTHWEST GEORGIA FINANCIAL CORPORATION ------------------------------------------------------ (Exact name of Registrant as Specified in its Charter) Georgia 001-12053 58-1392259 ------------------------------- ------------------------ ------------------- (State or other Jurisdiction of (Commission File Number) (IRS Employer Incorporation or Organization Identification No.) 201 First Street, S.E. Moultrie, Georgia 31768 ---------------------------------------- ---------- (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (229) 985-1120 Not Applicable ------------------------------------------------------------- (Former name or former address, if changed since last report) ITEM 8.01 OTHER EVENTS On September 22, 2004, Southwest Georgia Financial Corporation issued a press release announcing its combination cash and 20% stock dividend. The $.13 regular quarterly cash dividend is payable October 29, 2004 to shareholders of record on October 4, 2004. The stock dividend is payable October 29, 2004 to shareholders of record on October 7, 2004. The Company will pay cash for fractional shares based on the last sale price of record date. The Company has approximately 2.7 million shares of common stock outstanding. ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS (c) Exhibits: The following exhibit is furnished pursuant to Item 8 "Other Events," is not to be considered "filed" under the Securities Exchange Act of 1934, as amended, ("Exchange Act") and shall not be incorporated by reference into any filing by Southwest Georgia Financial Corporation under the Securities Act of 1933, as amended, ("Securities Act") or the Exchange Act. Exhibit 99: Southwest Georgia Financial Corporation's press release dated September 22, 2004. SIGNATURES Pursuant to the requirements of the Securities and Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the undersigned hereunto duly authorized. SOUTHWEST GEORGIA FINANCIAL CORPORATION /s/George R. Kirkland -------------------------------------- By: George R. Kirkland Senior Vice President and Treasurer September 27, 2004 --------------------------------------- Date EXHIBIT INDEX Exhibit No. Description ----------- -------------------------------------- 99 Press Release dated September 22, 2004