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 ------------------------------------------------------ (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 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 -------------------------------------- By: George R. Kirkland Senior Vice President and Treasurer January 31, 2005 --------------------------------------- Date EXHIBIT INDEX Exhibit No. Description ----------- -------------------------------------- 99 Press Release dated January 31, 2005