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): January 31, 2005
SOUTHWEST GEORGIA FINANCIAL CORPORATION
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(Exact name of Registrant as Specified in its Charter)
Georgia 001-12053 58-1392259
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(State or other Jurisdiction of (Commission File Number) (IRS Employer
Incorporation or Organization Identification No.)
201 First Street, S.E.
Moultrie, Georgia 31768
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(Address of principal executive offices) (Zip Code)
Registrant's telephone number, including area code: (229) 985-1120
Not Applicable
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(Former name or former address, if changed since last report)
ITEM 8.01 OTHER EVENTS
On January 31, 2005, Southwest Georgia Financial Corporation issued a
press release announcing its results of operation for the quarterly period
and year ended December 31, 2004. A copy of the press release is attached
hereto as Exhibit 99 and is incorporated herein by reference. This
information is also deemed to be furnished under Item 12 in accordance with
SEC release number 33-8216.
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
January 31, 2005.
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
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By: George R. Kirkland
Senior Vice President and Treasurer
January 31, 2005
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Date
EXHIBIT INDEX
Exhibit No. Description
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99 Press Release dated January 31, 2005